How do I improve my credit score?

Improving your credit score requires consistent and disciplined financial habits over time. You can enhance your score by following these steps:

• Pay all loan EMIs and credit card bills in full by the due date to build a positive repayment history.
• Maintain a low credit utilisation ratio, ideally keeping it below 30% of your total limit.
• Avoid applying for multiple credit cards or loans within a short period to prevent too many hard inquiries.
• Regularly check your credit report for inaccuracies and raise disputes with the credit bureau to correct any errors.