how i can improve my cibil score

You can improve your CIBIL score by consistently demonstrating responsible credit behavior:

• Always pay your loan EMIs and credit card dues on time. Payment history is the most important factor.
• Maintain a low credit utilisation ratio, ideally keeping your spending below 30% of your total available credit limit.
• Limit new credit applications, as frequent hard inquiries can negatively affect your score.
• Regularly monitor your credit report to check for and rectify any incorrect information or errors.
• Maintain older credit accounts to lengthen your credit history, and foster a healthy mix of different credit types.