Your CIBIL score is like a report card of your financial health. Banks, NBFCs, and credit card companies check this score before approving loans or credit cards. A higher score means better chances of approval with lower interest rates.
But if your score is low, don’t worry — you can improve it! Let’s understand how.
🔎 What is a Good CIBIL Score?
750 and above → Excellent (high chances of loan/credit card approval)
700 – 749 → Good (approval chances are still strong)
650 – 699 → Average (you may get approval but with higher interest rates)
- Below 650 → Poor (difficult to get loans or credit cards)
how to improve cibil score
1. Pay Your EMIs & Credit Card Bills on Time
Your payment history has the biggest impact on your CIBIL score. Even one late payment can reduce your score.
👉 Set auto-pay or reminders to never miss due dates.
2. Keep Credit Utilization Below 30%
If your card limit is ₹1,00,000, try not to spend more than ₹30,000 monthly.
👉 High usage = risk signal for banks. Keep it low to boost your score.
3. Avoid Applying for Too Many Loans at Once
Each loan/credit card application triggers a hard inquiry on your report. Too many applications = lower score.
👉 Apply only when necessary.
4. Maintain a Mix of Credit Types
A healthy balance of secured loans (home/car loan) + unsecured loans (personal loan/credit cards) improves your profile.
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5. Don’t Close Old Credit Cards
The longer your credit history, the better. Closing old cards reduces your credit age.
👉 Keep old cards active with small transactions.
6. Check Your Credit Report Regularly
Sometimes errors (wrong entries, duplicate loans) reduce your score.
👉 Download free reports from CIBIL once a year and raise disputes if needed.
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🚀 Quick Tips for Faster Results
Pay off outstanding dues immediately.
Increase your credit card limit (but don’t increase spending).
Convert large spends into EMIs to manage repayments better.
Become an authorized user on someone else’s good credit card.
❓ Frequently Asked Questions (FAQs)
Q1. How long does it take to improve a CIBIL score?
➡ Usually, 3–6 months with disciplined repayments and low credit usage.
Q2. Can I improve my CIBIL score without a credit card?
➡ Yes. Paying EMIs on loans, utility bills, or becoming a guarantor can also help.
Q3. Does checking my CIBIL score reduce it?
➡ No. Self-check (soft inquiry) has no impact. Only banks’ checks (hard inquiries) affect it.
🏆 Final Words
A good CIBIL score is the key to financial freedom. By paying on time, keeping utilization low, and managing loans smartly, you can quickly build a strong score above 750.
👉 Start today — your future self will thank you!