how to increase credit score in india

To increase your credit score in India, focus on consistent and responsible credit habits:

• Ensure all loan EMIs and credit card bills are paid on time, as payment history is the most critical factor.
• Keep your credit utilization ratio low, ideally below 30% of your total available credit limit.
• Avoid making multiple credit applications in a short period.
• Regularly review your credit report for any errors and have them corrected.
• Maintain a good mix of secured and unsecured loans, and do not prematurely close old credit accounts.