Published on Jul 23, 2025Updated on Dec 29, 2025
You might have come across recommendations to pay EMIs, credit card dues, and even utility bills on time to maintain a healthy credit score. But do all bills impact your score equally?
Understanding the kind of bills that affect CIBIL score can help you manage credit more effectively and maintain a strong financial profile.
Certain bills directly impact your credit score in India, especially those related to credit and loans. Timely payments on these accounts help build a positive credit history, while missed payments can harm your score. Key bills that affect your CIBIL score include:
These are regularly reported to credit bureaus and significantly influence your credit score.
Not all bills impact your credit score in India. Payments that are not credit-related usually aren't reported to national credit bureaus and don’t directly influence your credit history, even if paid late. These include:
While these bills don’t affect your credit score, timely payments are still important to avoid service disruptions and late payment penalties.
Missing or delaying payments on bills that affect your CIBIL score can have serious consequences. Even a single missed payment can bring your score down, while repeated delays signal poor credit behaviour to lenders. The key impacts include:
Repayment defaults, whether minor or major, can negatively impact your credit health. These typically involve bills that affect your CIBIL score, such as loan EMIs and credit card dues.
Financial institutions maintain detailed credit history reports of borrowers to check their credit scores. Such a CIBIL report can be traced back to the first time you applied for credit. A positive credit history affects your credit score favourably.
One good way to maintain a long and healthy credit history is to hold on to your old credit cards. When you discontinue a credit card, you lose the credit score that comes with it. This can lead to a drop in your credit rating.
Credit utilisation ratio refers to the amount of credit that is availed from a given limit. It is calculated as a percentage.
For example, if you possess 3 credit cards that have individual credit limits of INR 1.5 lakh, INR 1 lakh and INR 50,000 respectively, you have a total credit limit of INR 3 lakhs. If you have drawn INR 90,000 on these cards, you will have a credit utilisation ratio of 30%.
The creditworthiness of a borrower is determined by how low the credit utilisation ratio is. When they check a credit score, lenders prefer a ratio that is less than 30%. If you want to maintain a healthy credit utilisation ratio, avoid using up too much of your credit limit. You can do this by paying your credit card bills regularly.
Suppose your monthly income is INR 50,000 and the total EMI you pay is INR 10,000. Your EMI to income ratio will be 20%.
When lenders check a credit score, they prefer a maximum EMI-to-income ratio of up to 30%. This is based on the assumption that you will need at least 30% of your monthly income to meet your expenses. However, if you are applying with a co-applicant who also has a stable income, the joint EMI-to-income ratio will be considered.
Timely payments of your EMI, loans, and credit card bills will help you to maintain a good CIBIL report. A healthy credit score will enable you to command favourable terms of borrowing from lenders in the future.
Maintaining a good credit score requires consistent and responsible financial habits, especially when it comes to bills that affect the CIBIL score. Timely repayments and prudent credit usage play a key role in building a strong credit profile.
Understanding which bills affect your CIBIL score is essential for managing your financial health. While only credit-related bill payments impact your score in India, maintaining timely repayments and avoiding defaults can help you build and sustain a strong credit profile. Regular monitoring of your credit report and responsible repayment behaviour are key to long-term financial stability and access to better lending opportunities.
If you're looking for financial support to manage your expenses, consider a personal loan from SMFG India Credit. We offer funds of up to INR 30 lakhs* at competitive interest rates and with flexible repayment options. Check your eligibility and apply online today!
* Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us
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