Get a High CIBIL Score With These 4 Super Smart Tricks

A high CIBIL score is actually well within reach of most of us Indians. Yet, we miss out on some relatively small initiatives that can help us achieve that goal.

Accordingly, in this article, we share some intuitive tricks that can easily ensure you have a high CIBIL score. However, before we get to that, it is important to get a brief perspective on the CIBIL score and what its implications are.

Essentially, your CIBIL score is indicative of your overall creditworthiness. CIBIL by itself stands for Credit Information Bureau of India Limited. In 2017, American consumer credit reporting agency TransUnion acquired a majority 92.1% stake in CIBIL, whereby the latter started being referred to as TransUnion CIBIL.

Now as far as CIBIL scores are concerned, they typically range between 300 to 900, with 900 being a perfect score which is practically impossible to achieve. Instead, the closer you are to a score of 700 to 750, your creditworthiness would be considered quite good and most lenders would be more than happy to lend to you.

With that perspective in mind, let us look at ways and means by which this score of 700+ can be achieved with ease.

1. Timely Payments for a High CIBIL Score

Timely payments of ALL your dues play a big part in ensuring a high CIBIL score. This includes not only your loan repayments but in fact all dues repayable at a later date, say your phone bill, your electricity bill, your gas bill, and so on.

Essentially, pretty much all “postpaid” payments, wherein you avail services first and then pay for them later, must be paid in time. Otherwise, as you become delinquent, your dues are reported to CIBIL which then downgrades your creditworthiness, reflecting in a poor CIBIL score.

2. Lesser Credit Inquiries

Frequent inquiries for credit hamper your CIBIL score. Therefore, it is in your own interest to ensure that you do not make excessive inquiries to receive more credit.

Remember that every such inquiry eventually gets reported to CIBIL since most lenders look into the database to assess your creditworthiness. Repeated instances of your name and other particulars appearing in the search results ultimately reflects poorly on you.

Therefore, keep credit inquiries to the minimum. If you have been rejected recently, by one or a few entities, it is in your interest to avoid inquiring any further. Otherwise, not only will you not get credit as desired, it will affect your CIBIL score drastically.

CIBIL Scores and their Implications

3. Modest Credit Utilisation

Even when you have credit available to you, it is advisable that you use it modestly. An excellent example would be your credit card; even if you are paying it off in full when it is due, it is not recommended that you use your available credit completely.

Instead, remain prudent and utilise the credit given to you only as much as is really required. Maxing out your credit limit regularly will invariably get reported to CIBIL which could downgrade your CIBIL score.

4. Judicious Mix of Secured and Unsecured Loans

Examples of secured loans are auto or home loans while instances of unsecured loans include credit cards and personal loans. A healthy mix of both is important for you to have a high CIBIL score. Too many unsecured loans will have a particularly negative impact on your score so avoid that scenario to the maximum extent possible.


Clearly, some rather simple ideas can go a long way towards ensuring a high CIBIL score. As you might have figured out by now, it is all about financial discipline; if you can have that, nothing can stop you from achieving the CIBIL score you have been hoping to achieve. Remember these tips to keep your score hight!

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