how to increase my cibil score

To increase your CIBIL score, adopt disciplined financial habits and responsible credit management. Focus on these key practices:

• Pay all loan EMIs and credit card bills consistently on time, as payment history is the most critical factor.
• Keep your credit utilisation low, ideally below 30% of your available credit limit.
• Avoid making multiple credit or loan applications within a short period.
• Regularly check your credit report for errors and dispute any inaccuracies immediately.
• Maintain a healthy mix of secured and unsecured credit over a longer period.