how can i improve my cibil score

You can improve your CIBIL score by maintaining disciplined credit habits.

• Pay all your EMIs and credit card bills on or before the due date, as payment history is the most critical factor.
• Keep your credit utilisation ratio low, ideally below 30% of your total available credit limit.
• Avoid applying for multiple loans or credit cards within a short period, as frequent hard inquiries can temporarily lower your score.
• Regularly check your credit report for errors and promptly dispute any inaccuracies you find.
• Maintain a healthy mix of secured and unsecured credit over time.