How to Increase CIBIL Score
Your score improves as lenders report good behaviour month after month. There are no instant fixes, but these habits make the biggest difference.
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Key points
What you should know
- 01
Pay every due on time
Repayment history carries the most weight. Set up auto-debit so an EMI or card bill is never missed.
- 02
Use under 30% of card limits
High card balances signal stress. Pay down balances or ask for a higher limit to bring utilisation down.
- 03
Apply only when needed
Each loan or card application adds a hard enquiry. Several in a short time can pull your score down.