Your CIBIL score determines your loan eligibility, interest rate, and which banks will approve you. A score of 750+ can save you lakhs over the life of a loan.
What Affects Your CIBIL Score
| Factor |
Weight |
| Payment history |
35% |
| Credit utilisation |
30% |
| Length of credit history |
15% |
| Credit mix |
10% |
| New inquiries |
10% |
30-Day Actions
- Pay all overdue amounts immediately — even partial payment is recorded and helps
- Check your CIBIL report for errors — visit cibil.com, one free report per year. Errors can be disputed and corrected in 30 days.
- Stop all new credit applications — every inquiry drops score 5–10 points
- Pay credit card bills in full — any balance above 30% of limit hurts your score
60–90 Day Actions
- Get a secured credit card against your FD — use lightly, pay in full monthly
- Bring credit card utilisation below 30% of your total limit
- Set up autopay for all EMIs — one missed payment drops score 50–100 points
Realistic Timelines
| Journey |
Timeline |
| 700 → 750 |
3–6 months |
| 650 → 700 |
6–9 months |
| 600 → 650 |
9–12 months |
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