how to increase cibil score without credit card

You can increase your CIBIL score without a credit card by establishing a positive payment history with other forms of credit. Consider taking a small secured loan, such as a gold loan or a loan against a Fixed Deposit, and ensure all your EMIs are paid on time. Becoming an authorised user on a family member's existing credit card with a good payment record can also help your profile. Furthermore, consistently making timely payments on any existing debt, like an auto or personal loan, and regularly checking your credit report for errors are vital steps to build a healthy credit history and improve your score.