How to Increase Your CIBIL Score

Improving your CIBIL score requires consistent financial discipline. Start by paying all EMIs and credit card bills on time, as timely payments have the most significant impact. Maintain a healthy credit mix of secured and unsecured loans, and keep your credit utilization ratio below 30%. Avoid multiple loan inquiries within a short time, as they can signal credit hunger. Regularly check your CIBIL report for errors and get them corrected promptly. Keep old credit accounts open to build a longer credit history. With these smart habits, you can steadily raise your CIBIL score and improve your chances of securing credit easily.