A cold-rolled steel sheet comprising, in % by mass:
- C:
- 0.070 to 0.140%;
- Si:
- 0.80 to 1.80%;
- and
- Mn:
- 1.80 to 2.80%,
- in area ratio in a structure observed with a scanning electron microscope,
- bainite, tempered martensite, and hard phases composed of at least one of cementite and MA made up of quenched martensite and retained austenite combined together account for 85% or more in total,
- the hard phase that has a breadth of 0.4 μm or less and a length of 1.2 μm or more accounts for 0.5% or more,
- the hard phase that has a breadth of 1.2 μm or more accounts for 5.0% or less, and
- structures other than the bainite, the tempered martensite, and the hard phases account for 15% or less;
- and
- in volume ratio measured by X-ray diffractometry, retained austenite accounts for 3.0% or more and 7.0% or less,
- wherein the cold-rolled steel sheet has a tensile strength of 900 MPa or more.