how to maintain cibil score

To maintain a good CIBIL score, focus on consistent and responsible financial habits.

• Always pay your EMIs and credit card bills on or before the due date, as timely repayment is the most crucial factor.
• Keep your credit utilisation ratio low, ideally below 30% of your total available credit limit.
• Avoid applying for multiple loans or credit cards in a short period, as this indicates a high reliance on credit.
• Maintain a healthy mix of secured and unsecured credit, and regularly check your credit report for any errors or discrepancies.