5 Practical Ways to Improve Your CIBIL Score

Your CIBIL score is one of the first things a lender checks, and even a 20-30 point improvement can change which offers you're eligible for.

1. Pay every EMI and credit card bill on time — payment history carries the most weight in your score.

2. Keep your credit utilization under 30% of your total limit across all cards.

3. Avoid applying for multiple loans or cards in a short window, since each hard inquiry has a small negative impact.

4. Maintain a healthy mix of secured and unsecured credit rather than relying on one type.

5. Check your credit report periodically for errors and get them corrected with the bureau promptly.

A free CIBIL check on our homepage is a good first step before you apply for any new credit.