How to increase CIBIL score without a credit card?

You can increase your CIBIL score without a credit card by establishing a responsible repayment history through alternative credit products and financial discipline. Key methods include:

• Taking a small personal or consumer durable loan and ensuring all EMIs are paid on time.
• Applying for a gold loan or a loan against a fixed deposit to build a positive credit mix.
• Reporting monthly rent payments through verified third-party services to reflect financial reliability.
• Ensuring timely payment of utility and post-paid mobile bills to demonstrate discipline.