how can i improve my credit score

Improving your credit score involves disciplined financial habits over time.

• Always ensure all loan EMIs and credit card bills are paid by the due date, as payment history is critical.
• Keep your credit utilisation ratio low, ideally below 30% of your total credit limit.
• Maintain a good mix of secured (like home or auto loans) and unsecured credit (like credit cards).
• Limit new loan or credit card applications, and regularly check your credit report for any errors.