does emi affect cibil score

Yes, your Equated Monthly Installments (EMIs) directly affect your CIBIL Score. Timely and consistent repayment is one of the most critical factors that helps build a strong credit history and increase your score, as it demonstrates financial discipline. Conversely, missing or delaying even a single EMI payment can severely damage your credit profile, potentially causing a significant drop in your CIBIL score and making future loan approvals more difficult. Lenders rely on this repayment history to assess your creditworthiness.