A CIBIL credit score of 750 or higher is the benchmark for securing the lowest interest rates on personal loans, car loans, and mortgages.

1. Keep Credit Utilization Below 30%

If your credit card limit is ₹1,00,000, avoid spending more than ₹30,000 in a billing cycle. High credit utilization signals financial distress to credit bureaus.

2. Never Miss an EMI or Minimum Due Date

Payment history accounts for roughly 35% of your credit score calculation. Set up automated standing instructions to ensure zero payment defaults.

3. Avoid Applying for Multiple Loans Simultaneously

Each loan application triggers a "Hard Inquiry" on your credit report. Multiple inquiries within a short window temporarily drop your score.

4. Maintain a Healthy Credit Mix

A balanced portfolio containing both secured debt (home/car loan) and unsecured debt (credit card/personal loan) builds high credit reliability.