https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540293
Good explanation. Taking all extreme values, I got 765 which is 5 more than my score of cibil score of 760. 
Credit Score (CIBIL) Formula Revealed
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How CIBIL Score is Calculated in India ?
Check CIBIL Score formula & learn how does it calculated.
Now, This is the Ratio, that our Credit Score comes from and has an Impact on Gaining and Losing Credit Score in Points.
1. PAYMENT HISTORY-
This is the Most Important Factor, Now see the Parameter/Table
Now, You Can ADD THE POINTS - Eg-
1. If you have just recently paid like 0-4 months then add 15-25 Points.
2. If there is no delay in payment then add 85-95 Points
3. No Bankruptcy - Add 75-85 Points
Now, See even if you don't pay the bank/NBFC then also you will get a score but see the points gap,
2. DEBT BURDEN/CREDIT UTILIZATION-
Now, See if you don't have any burden then also point score will be less or even if you have heavy debt burden then marks will be deducted or less score. So, I will add 20-29% which is 145-155 points along with previous points.
3. LENGTH OF CREDIT HISTORY-
The most important thing look at the points in increasing order along with years,so better to keep our old products active.
Add No.of Months like which is the longest credit report product for you mine is in 12-23 months, so I will add 105-115 points with the previous one. (It can be seen in the cibil report or directly in OneScore App)
4.RECENT SEARCHES FOR CREDIT/CREDIT ENQUIRIES-
Now, See How Many Enquiries have you made in CIBIL in the Last 6 Months that also impact, Add this previous one.
5. TYPES OF CREDIT/MIXTURE OF CREDIT ACCOUNTS-
It is always healthy if you have a mixture of Loans like Credit Card, Personal loans, Home loans, etc. Now, see the table
NOW, ADD All those Five Things and final outcome would be your expected Credit Score,offcourse it would be not accurate but it's 90-95% Accurate.This Formula has been applied to 20 Different People and the Results were +/-20 Points are here and there.
Try and comment.
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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also read How to check CIBIL Score free online ?
Top Comments
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540294
Good one 
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540302
Good one..
How to find No of different credits?
I have CC and Home loan..
No vehicl loans and personal loans
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540307
Thanks For Info Bro.
How Many Cc You Have?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540313
10 points difference for me, but mine is standard case, can’t say if it will work for everyone.
Someone with high utilisation and/or non-payments can comment.
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540317
credit mix makes ur credit score increase easily n dont close old ccs it wil effect score
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540334
OK, so I need to add 2/3 new CCs… that’s it.
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540338
whats the score of Nirav Modi ?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540502
good share bro!
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540507
interesting
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540523
Can someone explain me debt burden? If I have 6 cards and I use one card majorly and its limit is also minimum … Like 30k and I utilise 25k and for rest cards I hardly use 5% …. Then debt will be calculated on overall limit(sum of all cards limit) or per card?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540563
Xhaster wrote:Can someone explain me debt burden? If I have 6 cards and I use one card majorly and its limit is also minimum … Like 30k and I utilise 25k and for rest cards I hardly use 5% …. Then debt will be calculated on overall limit(sum of all cards limit) or per card?
Yes, the debt burden will be calculated as the overall limit of what you spend.
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540565
Xhaster wrote:Can someone explain me debt burden? If I have 6 cards and I use one card majorly and its limit is also minimum … Like 30k and I utilise 25k and for rest cards I hardly use 5% …. Then debt will be calculated on overall limit(sum of all cards limit) or per card?
Total debt/total limit
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540572
EkdamSastaRaju wrote:860.... He took company corporate loans, not personal loanswhats the score of Nirav Modi ?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540603
Vinod358 wrote:Good one..
How to find No of different credits?
I have CC and Home loan..
No vehicl loans and personal loans
In Your CIBIL Report, See the Account Like If there are 2 credit cards from 2 different banks, then also credit account will be considered as 1, so add a loan account then your mixture of accounts will be 2.
1- VEHICLE LOAN
1- PERSONAL LOAN
Your account lies in Mixture of 2 different loan accounts.
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540637
I still think this mainly applies to below 800 cibil score, there must be something "extra" involved to keep a consistent 800+ cibil score.
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540655
by this formula my credit score should have been 300. But it's around 720 from last 1 year..
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540676
Good one
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540725
Cibil scores are scam, if you use credit card to max use they reduce your rating.
If you dont have any credits going they reduce your ratings.
You pay your loans early they deduct 80-100 points... Its all sham thats why two methods dont give same output
I have 650 rating in experian and 850 rating in CRIF
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540761
Dileep_kumar wrote:credit mix makes ur credit score increase easily n dont close old ccs it wil effect score
If old card is upgraded then it will be treated as new or old credit?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540783
Expand
shriAyodhya wrote:
If old card is upgraded then it will be treated as new or old credit?
Account number remains same after upgrade, no effect...
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540812
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540818
Tony007 wrote:Thanks For Info Bro.
How Many Cc You Have?
13. 14th one just got approved
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540823
No transection will increase score?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540859
Op from where u got this info?
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540862
EkdamSastaRaju wrote:whats the score of Nirav Modi ?
Ask Vijay Mallya too 
https://www.desidime.com/discussions/credit-score-cibil-formula-revealed?page=1#post_8540888
What needs to be done to get 800+? My CIBIL got reset a few months back. Don’t know how it happened. On-time payments are showing 7/7 in CIBIL, though account age is showing as 11 years because of CC and few loan accounts are 1+ years old.
Experian shows 140+payments!!
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whats the score of Nirav Modi ?