how to grow cibil score

To grow your CIBIL score, maintain disciplined financial habits over time.

• Always pay all your credit card bills and loan EMIs on time, as payment history is the most important factor.
• Keep your credit utilisation ratio low, ideally below 30% of your total available credit limit.
• Avoid applying for multiple new credit facilities simultaneously, as frequent inquiries can temporarily lower your score.
• Regularly check your credit report for any errors or inaccuracies and dispute them promptly.
• Maintain a healthy mix of secured and unsecured credit to demonstrate responsible borrowing.