CIBIL Score mismatch between personal app & Bank hit

[CcMaverick]

Today I noticed something interesting with CIBIL score.
I have CIBIL subscription and it shows my score on app as 801.
I was exploring a few options for Home loan & went to Bank of India for inquiry.
They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that my CIBIL was 801 so was not expecting any better rates from them.
However, to my surprise my CIBIL score which was fetched by bank's system was 829 while the one that I see on my app is 801.

Is this normal? Do banks see a different CIBIL than what it shows us on CIBIL App or 3rd party apps like Gpay, paytm?

Also, most of the banks have better interest rates on CIBIL 824+ & I was always under the impression that 824 is not possible for me as my score is stuck between 800-805 since past 2 years.
P.S. I already have a ongoing HL in HDFC.

 

[asha_kanta_sharma]

• Not really. This difference is normal and banks generally rely on the hard inquiry score for lending decisions.
• Keep your credit healthy, pay EMIs on time, and maintain low utilization to keep or improve that score.