how to make good cibil score

A good CIBIL score, typically 750 and above, is built through consistent and responsible financial habits.

• Ensure all your loan EMIs and credit card bills are paid on time, every time, as payment history is the most important factor.
• Keep your credit utilization ratio low, ideally below 30% of your total available credit limit.
• Limit new credit applications and avoid applying for multiple loans in a short timeframe.
• Maintain a healthy mix of secured (like home loans) and unsecured (like credit cards) credit.
• Regularly check your CIBIL report for errors and dispute any inaccurate information promptly.