As per the RBI Master Direction on Credit Information Companies, 2025, the credit score of an individual borrower is expressed on a scale of:

Under the Master Direction on Credit Information Companies issued by the Reserve Bank of India in 2025, the credit score assigned to an individual borrower is expressed on a scale ranging from 300 to 900. A score of 300 indicates the poorest credit profile while a score of 900 indicates the best creditworthiness, and lending institutions use the score along with the credit information report to assess default risk before sanctioning loans. The RBI directions require credit information companies to follow standardised formats, resolve disputes within prescribed timelines and disclose the reasons for a score when asked by the borrower. Accordingly, the correct scale is 300 to 900 and the other ranges mentioned are incorrect.