how to increase your cibil score

To increase your CIBIL score, focus on disciplined financial habits:

• Always pay your loan EMIs and credit card bills on time; payment history is the most crucial factor.
• Reduce your credit utilisation ratio, ideally keeping the amount borrowed below 30% of your total credit limit.
• Avoid taking multiple loans or applying for new credit frequently in a short span of time.
• Maintain a healthy mix of secured and unsecured credit over time.
• Regularly check your CIBIL report for errors and raise a dispute to rectify any inaccuracies promptly.