Improve Your CIBIL Score in 90 Days

Your CIBIL score decides not just whether you're approved, but the interest rate you're offered. The good news: focused habits can lift it meaningfully in about three months.

Pay every EMI and card bill on time

Payment history is the single biggest factor. Set auto-pay for at least the minimum due so a forgotten date never dents your score.

Lower your credit utilisation

Using more than 30% of your card limit signals credit hunger. Pay down balances or request a limit increase to bring utilisation down.

Don't chase every offer

• ✓ Each hard enquiry can shave a few points
• ✓ Space out loan and card applications
• ✓ Keep old, well-managed accounts open for a longer history

Check your report for errors

Incorrect defaults or accounts you don't recognise can unfairly drag your score. Pull your report, and raise a dispute for anything inaccurate.

Reality check: 90 days of discipline builds momentum, but the biggest gains compound over time. Start now and your next loan will cost you less.