What is the difference between a personal credit score and a business credit score?
- Posted: 21st November, 2025
- Updated: 24th November, 2025
*T&C Apply
ShareShare
https://www.shriramfinance.in/financial-faq-what-is-the-difference-between-a-personal-credit-score-and-a-business-credit-score
Personal scores show how you manage credit, while business scores show how your company manages credit. Both matter if you’re a business owner, since lenders may check your personal and business scores before approving funding.
| Feature | Personal Credit Score | Business Credit Score |
| What it measures | Individual’s borrowing and repayment habits | Company’s creditworthiness and repayment history |
| Data based on | PAN/Aadhaar, personal loans, credit cards, credit history | Company registration, revenue, debt, payment to suppliers, cash flow |
| Who is assessed | Individual | Business entity |
| Score range (India) | 300–900 | 300–900 |
| Used for | Personal loans, credit cards, consumer lending | Business loans, trade credit, commercial vehicle loans |
| Who uses the score | Banks and NBFCs giving personal credit | Business lenders, trade partners, commercial financiers |
| Key factors | Repayment history, credit utilization, credit mix, duration | Repayment record, debt, revenue, industry risk, time in business |
Popular FAQs
- What are the different types of credit ratings?
- Who are the users of credit rating?
- What are some of the red flags in your business credit report?
- Will all three credit bureaus give you the same credit score?
- How can I improve my credit score of 600?
- How can I get instant money without a credit score?
- What is a credit builder loan?
- Can I get a personal loan with a 540 credit score?
- What interest rate can I get on a personal loan with an 800 credit score?
- How much can I borrow with a 720 credit score on a personal loan?
Recent FAQs
- What is a Fixed Deposit?
- Does FD pay monthly interest?
- Will I have to pay a penalty to withdraw FD before its time?
- Can I Start an FD online?
- Which Type of FD is Best?
- Can I Deposit 10 Lakhs in FD?
- Does FD Renew Automatically?
- How can I break my FD without penalty?
- What is the maximum time limit of FD?
- Does FD have a lock-in period?
Check your Free Credit Score
Most Viewed FAQs
- How do I check my loan balance?
- Can I schedule future payments for my municipal bills online?
- Is it safe to make insurance premium payments online?
- Can I pay insurance premiums with a credit card online?
- How can I pay my insurance premium online?
- Can I renew my insurance policy online?
- What is an insurance premium, and why do I need to pay it?
- What are the benefits of renewing insurance policies online?
- How can I find the amount of my municipal water bill online?
You may be interested in
- Home
- Financial FAQs
- What is the difference between a personal credit score and a business credit score?
