This article is general information, not financial advice. Please verify terms with your bank/NBFC before acting.
Simple habits that move the needle over months.
Your CIBIL score reflects repayment behaviour. Improvement is gradual but reliable with disciplined habits.
Set auto-pay for EMIs/bills, reduce credit card balances, and review your credit report periodically to fix errors.
- Lower utilisation by pre-paying part of statement before due date.
- Maintain old accounts to preserve credit age.
- Space out credit applications; use soft-check tools where available.