how to increase credit score

To increase your credit score (like CIBIL), focus on consistent and responsible credit behaviour, as payment history is critical. You should:

• Always pay your loan EMIs and credit card bills on time.
• Maintain a low credit utilisation ratio, ideally below 30% of your total limit.
• Avoid applying for multiple new loans or credit cards in a short period, which causes hard inquiries.
• Keep a healthy mix of secured and unsecured credit and regularly check your credit report for errors.