How to Improve Your CIBIL Score in 6 Months
Your CIBIL score is a 3-digit number (300–900) that determines whether a bank will lend to you — and at what interest rate. A score above 750 gets you the best loan rates.
Step 1: Pay all EMIs and credit card bills on time
Payment history accounts for 35% of your credit score. A single missed payment can drop your score by 50–100 points. Set up auto-pay for all your loans.
Step 2: Keep credit utilisation below 30%
If your credit card limit is ₹1 lakh, never use more than ₹30,000. High utilisation signals financial stress to lenders.
Step 3: Don't apply for multiple loans simultaneously
Every loan application triggers a "hard enquiry" on your report. Multiple enquiries in a short period lower your score.
Step 4: Check your report for errors
Get a free CIBIL report at cibil.com. Dispute any errors — wrong account details or incorrect defaults can unfairly lower your score.
Score Guide
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