How to gain a credit score?

To gain a credit score in India, you must start building a credit history by using credit products responsibly. You can begin by applying for a secured credit card against a fixed deposit or a small consumer durable loan. Ensure you pay all your bills and EMIs in full and on time. Maintaining a low credit utilization ratio, ideally below 30%, and avoiding multiple simultaneous loan applications will also help establish and improve your score over a period of 6 to 12 months.