how to improve your credit score

You can improve your credit score by establishing consistent, disciplined financial habits.

• Pay all your EMIs and credit card bills on or before the due date, as timely payments are the most critical factor.
• Maintain a low credit utilisation ratio, ideally keeping your outstanding balance below 30% of your total credit limit.
• Avoid applying for multiple new loans or credit cards within a short period, and check your credit report regularly for any discrepancies.
• Keep older credit accounts open to build a longer, positive credit history.