What is the minimum CIBIL score required for a home loan in 2026?

A CIBIL score of 720 is considered good and you should be able to get competitive home loan rates. Most banks approve scores of 750+ for the best rates, but 720 is above the minimum threshold of 650-700 that most banks require. At 720, expect rates around 8.50-8.75% from top banks like HDFC and SBI.

A CIBIL score of 720 is considered good and you should be able to get competitive home loan rates. Most banks approve scores of 750+ for the best rates, but 720 is above the minimum threshold of 650-700 that most banks require. At 720, expect rates around 8.50-8.75% from top banks like HDFC and SBI.

A CIBIL score of 720 is considered good and you should be able to get competitive home loan rates. Most banks approve scores of 750+ for the best rates, but 720 is above the minimum threshold of 650-700 that most banks require. At 720, expect rates around 8.50-8.75% from top banks like HDFC and SBI.

Different banks have different criteria. HDFC typically wants 750+, SBI is more flexible at 700+, and ICICI falls in between. At 720, you may not get the absolute best rate but should still qualify for a decent deal. Improve your score by paying bills on time and reducing credit utilization below 30%.

Different banks have different criteria. HDFC typically wants 750+, SBI is more flexible at 700+, and ICICI falls in between. At 720, you may not get the absolute best rate but should still qualify for a decent deal. Improve your score by paying bills on time and reducing credit utilization below 30%.

Different banks have different criteria. HDFC typically wants 750+, SBI is more flexible at 700+, and ICICI falls in between. At 720, you may not get the absolute best rate but should still qualify for a decent deal. Improve your score by paying bills on time and reducing credit utilization below 30%.