Improve Your Credit Health: 5 Simple Rules for a Better CIBIL Score

Pay Your EMIs & Credit Card Bills on Time

Timely payments help improve your credit/CIBIL score and show lenders you’re a responsible borrower.

Keep Your Credit Utilisation Below 30%

Using too much credit can hurt your score. Maintain an optimal balance to improve CIBIL score.

Avoid Multiple Loan Applications

Frequent loan applications lead to hard enquiries, which may lower your CIBIL score.

Maintain a Healthy Credit Mix

A good mix of secured and unsecured loans can help improve your credit profile over time.

Regularly Check Your CIBIL Score

A CIBIL score check helps you track progress and spot errors that might affect your score.

Check Your CIBIL Score and Apply with Confidence

Have a 750+ CIBIL score ? Apply for personal loans of up to INR 30 lakhs* with SMFG India Credit.

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* Please note that this webstory 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