As per the RBI Master Direction on Credit Information Companies issued in 2025, the credit score of a borrower is expressed on a scale of -

The Reserve Bank of India's Master Direction on Credit Information Companies, issued in 2025, standardised the credit score format of credit information companies and prescribed a uniform scale of 300 to 900, on which a higher score indicates a more creditworthy borrower. The Direction aims to make credit scores comparable across credit information companies and to strengthen the accuracy, privacy and disclosure framework governing them. Credit information companies registered under the Credit Information Companies (Regulation) Act, 2005 are required to follow the notified format. The ranges suggested in the other options, such as 100 to 900 or 300 to 850, do not conform to the prescribed scale. Hence the correct score range is 300 to 900.