Your CIBIL score decides both approval and interest rate. Pay every EMI and credit card bill on or before the due date — payment history carries the highest weight.
Keep credit card usage under 30% of the limit. Repeatedly maxing out cards signals stress even when you pay in full.
Avoid applying to many lenders at once. Each application creates a hard enquiry and clusters of enquiries pull the score down.
Check your report for errors: closed loans shown as active, or someone else's account tagged to your PAN. Disputes are free and usually resolved in 30 days.
← Back to all articles