how to improve cibil score without credit card

You can improve your CIBIL score without a credit card by establishing a good repayment history through other financial products and responsible financial habits.

• Secure and consistently repay a loan from a bank or NBFC, such as a personal or secured loan.
• Obtain a secured credit card backed by a Fixed Deposit and use it diligently, making all payments on time.
• Request to be added as an authorised user on a family member's or friend's credit card with an excellent payment record.
• Ensure the timely payment of all existing loan EMIs, rent, and utility bills, as consistent financial discipline builds your credit profile.