It is possible to score 850 in the CIBIL, but it is very rare. The CIBIL score ranges from 300 to 900, with 900 being the highest possible score. An 850 CIBIL score would indicate that you have an excellent credit history and are a very low risk borrower.
To achieve an 850 CIBIL score, you would need to have a long and consistent history of paying your bills on time, a low debt-to-income ratio, and a good mix of credit accounts. It is also important to have a relatively long credit history, as lenders generally prefer to lend to borrowers with a proven track record of responsible credit use.
Keep in mind that the CIBIL score is just one factor that lenders consider when evaluating loan applications. Other factors, such as your income, employment history, and assets, can also play a role in a lender’s decision to approve or deny a loan.
Overall, while it is possible to achieve an 850 CIBIL score, it is not something that most people are able to accomplish. It requires a long history of responsible credit use and a strong financial profile.