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How to improve your CIBIL score?

10 Easy ways to improve your CIBIL Score in India

The CIBIL score plays a crucial role in assessing an individual’s creditworthiness and eligibility for financial services. A favourable score facilitates access to more favourable loan conditions, reduced interest rates, and expanded credit opportunities. Through the adoption of responsible financial practices and the application of strategic credit management strategies, individuals can enhance their CIBIL score, thereby optimising their credit profile and reaping the advantages associated with a robust credit standing.

Here, we share some of the best ways on how to increase your credit score.

Ways to Improve Your CIBIL Score


Wondering, ‘How to increase CIBIL score?’ Improving one’s score, a crucial determinant of creditworthiness in India, entails several strategic steps. Here is an in-depth analysis of each method:

1. Maintain Healthy Credit

Consistent use and timely repayment of credit are essential. This behaviour demonstrates reliability and responsibility to potential lenders, thereby positively influencing the credit score.

2. Avoid Being a Guarantor

Serving as a guarantor can be risky, as the primary borrower’s default will adversely affect your credit score. It is advisable to agree to such arrangements only if you are certain of the borrower’s financial stability and repayment capacity.

3. Avoid Acquiring Multiple Loans

Applying for multiple loans within a short time frame can be perceived as a sign of financial instability by lenders, which may result in a lower credit score.

4. Increase Your Credit Limit

By obtaining a higher credit card limit while maintaining the same level of expenditure, you can lower your credit utilisation ratio. This lower ratio will gradually lead to an improved credit score.

5. Maintain the Credit Card Ratio

It is crucial to do a credit score check and know its limitations. It is recommended to keep your credit utilisation below 30% of your available credit limit. This practice signals responsible credit management to lenders.

6. Repay Your Dues Promptly

It is crucial to make timely payments for your credit card bills and loan EMIs. Delinquent payments are a major detriment to one’s credit score.

7. Monitor Your Credit Card Activity

Regular review of credit card statements and credit reports can help identify errors or unauthorised transactions that may harm your credit score. Prompt action on any discrepancies is vital.

8. Limit Applications for New Credit

Each credit inquiry can marginally reduce your score. Hence, it is important to limit the number of new credit applications to maintain a stable credit score.

9. Ensure Timely Repayments

Consistently repaying credit obligations on time is one of the most critical factors in maintaining and improving a credit score.

10. Opt for Longer Loan Tenures

Choosing a longer loan tenure can reduce the monthly repayment burden, making it easier to meet repayment obligations on time. Although this means paying more interest over the life of the loan, it helps maintain a good credit history.

By adhering to these strategies, individuals can effectively improve and sustain a high CIBIL score, thereby enhancing their creditworthiness and access to financial products.

How Long Does It Take to Improve a Credit Score?

People often enquire, ‘How to improve credit score fast?’ Improving a credit score typically takes around 4 to 12 months, depending on the severity of past credit issues and the consistency of positive credit behaviours. Regular on-time payments, reduced credit utilisation, and prudent management of new credit applications contribute to gradual improvement. Major derogatory marks, like defaults or bankruptcies, may take longer to mitigate. Persistent efforts and responsible credit practices are essential for sustained improvement and maintaining a high credit score over time.


So, those who seek to increase their credit score, especially in India, can look at the above discussion. Improving one’s CIBIL score is a strategic endeavour requiring disciplined financial habits and responsible credit management. By diligently adhering to practices such as timely repayment of dues, maintaining a healthy credit utilisation ratio, and monitoring credit activity for errors, individuals can steadily improve their creditworthiness. While the timeline for improvement varies, consistent adherence to these strategies over time is key to achieving a higher CIBIL score and accessing better financial opportunities.