Where your score stands
A score of 750+ usually unlocks the best, lowest-interest offers.
Pay every EMI & card bill on time
Payment history is ~35% of your score — the single biggest factor. Even one missed or late payment hurts. Automate minimum payments so nothing slips.
Keep credit utilisation under 30%
Using more than 30% of your card limit signals credit hunger. Keep balances low, or ask for a higher limit and don't use it.
Maintain a healthy credit mix
A balance of secured (home/auto) and unsecured (cards/personal) loans, all handled well, shows lenders you can manage different kinds of credit.
Don't close your oldest cards
Length of credit history helps your score. Keep old, no-fee cards active with a small recurring spend rather than closing them.
Limit hard enquiries
Every loan/card application triggers a hard enquiry that dips your score. Don't apply to many lenders at once — compare offers first, apply once.
Check your report & dispute errors
Review your CIBIL report at least once a year. Wrong defaults or accounts you don't recognise can quietly drag your score — dispute them promptly.
Avoid over-leveraging
Too many active loans raise your risk profile. Clear smaller debts before taking new ones, and keep your total EMIs well within your income.
Be patient and consistent
A strong score is built over months of steady behaviour, not overnight. Consistency is what moves you into the 750+ band — and the lowest rates.
Live EMI calculator
Move the sliders to see your monthly EMI, total interest and what a better rate saves you.
Indicative only. Actual EMI, rate and eligibility depend on the lender and your credit profile. A 750+ CIBIL score typically earns the lowest advertised rate.