how does cibil score increase

A CIBIL Score increases by maintaining disciplined and responsible credit management over time.

• Always ensure timely and full repayment of all loan EMIs and credit card bills.
• Maintain a low credit utilisation ratio, ideally keeping your credit usage below 30% of your total limit.
• Limit applications for new credit, as multiple hard inquiries can temporarily lower your score.
• Regularly check your credit report for mistakes and raise a dispute immediately to rectify them.
• Cultivate a healthy mix of secured and unsecured credit with a long credit history.