why cibil score is low

Your CIBIL Score is low because it reflects negative past credit behavior, which signals higher risk to lenders. The most common reasons include:

• Late or missed payments on loan EMIs and credit card dues, as payment history is the most important factor.
• A high Credit Utilisation Ratio (CUR), meaning you are consistently using close to your credit limit (ideally keep it below 30%).
• Making multiple applications for new loans or credit cards within a short period, which results in numerous hard inquiries.
• Inaccurate information or errors that may be present on your credit report.