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CIBIL Report: What Does "NA" or "NH" Represent In Terms of Score?


In the loan application procedure, the CIBIL Score is quite important. The lender verifies the applicant's CIBIL Score and Report after the applicant makes an application and gives it to the lender. If the CIBIL Score is low, the lender may opt to reject the application outright


The CIBIL Score is a three-digit numeric summary of your credit history that runs from 300 to 900. It is calculated using information from the 'Accounts' and 'Enquiries' sections of your CIBIL Report. The closer your credit score is to 900, the more likely your loan application will be granted.

CIBIL Report: What Does

What is CIBIL Score 2.0?

The CIBIL Score 2.0 is a new and improved version of the CIBIL Score that was created with current trends and changes in consumer profiles and credit data in mind. Banks are progressively transitioning to the new version, and there may be some differences between it and the previous version (i.e., the score 2.0 may be lower than the earlier version). Please keep in mind that the score on the dashboard is from a previous version. The difference in credit scores, on the other hand, has no bearing on credit decision during the loan approval process because both versions of the score may have different score eligibility cut off while processing the loan application.


For persons with a credit history of lesser than six months, the CIBIL Score 2.0 provides a risk index score range. In an earlier edition, these people were labeled as having "No History - NH." The scale runs from one to five, with one indicating "high risk" and five indicating "low risk."

What does it mean when Score is "NA" or "NH"?

While these Scores are not considered bad by lenders, certain lenders have credit policies that limit them from granting loans to applicants with "NA" or "NH" Scores. As a result, you may have a greater chance of getting a loan elsewhere.

A score of "NA" or "NH" isn't necessarily a bad thing. These could signify one of the following:

  • You don't have a credit history, in other words, you're new to the credit system.
  • You haven't used your credit in a recent couple of years.
  • You have no credit vulnerability because you have all add-on credit cards.

The number -1 (NH) in the CIBIL score denotes that the borrower has no credit history or track record.

On a CIBILTM credit report, a credit score of 0 (NA) implies that no credit history is available (NA). The borrower's usable credit history is less than 6 months old, as indicated by this score.

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