Introduction
More than just a number, a CIBIL score represents your creditworthiness and plays a major role in deciding whether you qualify for credit cards and loans. If your CIBIL score is around 600, it can become problematic.
A score below 600 is considered low, which means you may face:
Loan rejections
Higher interest rates
Lower credit limits
On the other hand, a CIBIL score of 750 or above is considered excellent. With such a score, you can negotiate better loan terms, get lower interest rates, and enjoy faster loan approvals.
Can CIBIL Score Be Improved?
Absolutely — and faster than you might think.
If your current score is around 600, you may face loan rejections or expensive interest rates. The good news is that with consistent effort and the right strategies, you can improve your CIBIL score to 750 or higher within a few months.
Why You Need a Good CIBIL Score
Your CIBIL score is like a financial passport.
A high score (750+) helps you:
Get easy home loan approvals
Secure lower interest rates
Access premium credit cards
Negotiate better EMI terms
A low score, however, can limit your financial opportunities and force you to accept costly loans.
Steps to Increase Your CIBIL Score from 600 to 750
1. Never Miss EMIs or Credit Card Bills
Around 35% of your CIBIL score depends on your repayment history.
Take action:
Enable auto-pay or reminders for EMIs and credit card bills.
Why it matters:
Even a single missed payment can drop your score. But six months of timely payments can start rebuilding it.
2. Keep Credit Utilization Ratio Low
High credit card usage shows heavy dependency on credit.
Take action:
Try to use less than 30% of your total credit limit.
Example:
If your limit is ₹1,00,000, keep usage below ₹30,000.
Pro tip:
If eligible, accept a credit limit increase but don’t increase spending.
3. Avoid Multiple Loan or Card Applications
Every application triggers a hard inquiry, which slightly lowers your score.
Take action:
Compare offers first and apply only when necessary.
4. Maintain a Healthy Credit Mix
A balanced mix of:
Secured loans (home, car)
Unsecured loans (credit cards, personal loans)
shows responsible credit behaviour.
Example:
One home loan + one credit card is better than four credit cards only.
5. Check Your CIBIL Report for Errors
Incorrect data like:
Closed loans shown as active
Wrong outstanding balances
can damage your score.
Take action:
Check your report on the TransUnion CIBIL website and raise disputes immediately.
6. Use a Secured Credit Card
If your score is low, premium cards may reject you.
Solution:
Apply for a secured credit card against a fixed deposit.
Why it helps:
Regular usage + timely payments improve your score.
7. Reduce Existing Debt Strategically
High outstanding balances hurt your score.
Take action:
First clear:
High-interest credit cards
Small loans
Even partial repayments help.
8. Keep Old Credit Cards Active
Length of credit history matters.
Take action:
Make small transactions every few months on old cards.
Only keep them if:
Annual fees are low
You can manage spending
How Much Time Does It Take to Improve CIBIL Score?
Most people see improvement within 4 to 12 months, depending on:
Past financial mistakes
Payment consistency
Debt levels
Serious issues like defaults or settlements may take longer, but consistent good habits always work.
You also like to read: Home Loan Eligibility Calculator: How Much Loan Can I Get?
Conclusion
Improving your CIBIL score from 600 to 750 is completely achievable with disciplined financial behaviour. By paying EMIs on time, keeping credit usage low, maintaining a healthy credit mix, and monitoring your credit report, you can steadily rebuild your credit profile.
A strong CIBIL score opens doors to:
Better loans
Lower interest rates
Greater financial freedom
The key is consistency and patience.
