ICICI Bank Dubai Address

Industrial Credit and Investment Corporation of India Limited (ICICI) Bank Limited has one branch in Dubai, United Arab Emirates. It was registered on October 23, 2005 and is located in Dubai International Financial Centre (DIFC). DIFC is regulated by Dubai Financial Services Authority (DFSA). People can contact ICICI Bank Dubai at their following registered office:

ICICI Bank Limited
Dubai International Financial Center (DIFC),
505, Level 5, Gate Precinct, Building 4,
Sheikh Zayed Road, P.O. 506529,
Dubai, United Arab Emirates
Contact Phone Number: UAE: + 8000 9114 001 & Dubai + 971 4 307 0307 (Toll Free Numbers)
E-mail: nri@icicibank.com

ICICI Dubai Representative Office Address

Suite No. 404,
The Business Centre Building,
Khalid Bin Al Waleed Street,
Near Burjuman,
P O Box: 28758,
Dubai, U.A.E.
Tel: + 8000 9114 001 (toll free)
Fax: + 971 4 396 6994

These days, having a good CIBIL score is something that all financial planners stress upon, and with good reason. Your CIBIL score is a numerical indication of your overall financial health and behavior, especially when it comes to your diligence in paying off your debts.

What is a good CIBIL score?

Anyone can check their CIBIL score by logging into their Credit Information Report or CIR. The CIBIL score is a number between 300 and 900. A good CIBIL score range is generally considered to be 700-900, with most lenders preferring individuals with a score of 750 or higher. Your current CIBIL score can go up or down depending upon your financial behavior, such as paying off your loan EMIs and credit card payments. It is important for everyone to keep reviewing their CIBIL score to ensure that a good score is maintained.

How can a good CIBIL score be maintained?        

With all the focus on having a good CIBIL score, it can end up becoming a source of stress. But maintaining a good CIBIL score isn't as hard as it sounds. The most important thing to do is to pay all your dues in time as late payments are not good for your score. Maintain only a few credit cards and take loans for essentials rather than for all trivial expenses. These steps are also applicable for those looking to improve CIBIL score to avail of its benefits.

5 benefits of having a good CIBIL Score

1. Get a more suitable credit card

Having a good CIBIL score puts you in the bank's good books, which means you can shop around for a credit card that is better suited to your expenses, such as airplane travel, fuel consumption or shopping. You can also find one that offers you a lower interest rate, and if you already have a high interest credit card, you can transfer the balance to the new one.

2. Take out a home loan

If you have a good CIBIL score above 750 and are thinking of buying a house, now's the perfect time. A good score gives you negotiating power with banks, who will offer you a much lower interest rate on your loan which can end up saving you a lot of money in the long term. Besides, your loan approval process will be a lot smoother and faster than someone with a lower CIBIL score.

3. Shop around for Insurance

While earlier a CIBIL score applied only to credit cards and loans, more organizations are now looking into a person's CIBIL score to decide whether to do business with him or not. The Credit Information Companies Regulation Act (CICRA) allows various organizations like telecom and insurance companies to access credit information databases. So this opens up the possibility in the future that you could be offered a lower insurance premium for a higher CIBIL score, following a trend that has already been in play in other countries.

On applying for any new kind of credit, like a credit card or a loan, a temporary lowering of the CIBIL score can be seen. This is an issue that is caused by a hard inquiry done by the lenders, and is soon resolved as the inquiry is over. However, it is still important to keep checking your CIR and ensuring that your CIBIL score is within the healthy range, so that you can enjoy even more benefits in the future.

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