How to get a better credit score?

To improve your credit score, focus on consistent financial discipline. Always pay your credit card bills and loan EMIs on or before the due date. Keep your credit utilization ratio below 30 percent of your total limit. Avoid applying for multiple loans or credit cards in a short period, as each hard inquiry can lower your score. Maintain a healthy mix of secured and unsecured credit, and regularly check your CIBIL report to identify and dispute any inaccuracies with the credit bureau.