how to increase cibil score from 0

A CIBIL score of 0 or -1 means you currently have no credit history. To build and increase your score, you must first start by taking on credit and managing it responsibly.

• Apply for a secured credit card (e.g., against a Fixed Deposit) or a small secured loan, as these are easier to obtain without a history.
• Make all credit card bill payments and loan EMIs consistently on time to establish a positive payment history.
• Avoid applying for multiple loans or credit cards simultaneously, as too many inquiries can harm your new credit profile.