Calculate your credit utilisation ratio across all credit cards and see exactly how it's impacting your CIBIL score — and what to do about it.
It's the % of your total credit limit you're currently using. CIBIL tracks this monthly across all your cards. Aim for below 30% overall — ideally below 10% for an excellent score.
Credit utilisation ratio (CUR) is one of the most impactful factors in your CIBIL score, accounting for around 30% of the total score. It measures how much of your available revolving credit you're using at any given time. Most lenders in India prefer borrowers with a CUR below 30%, and CIBIL rewards those who stay below 10%.
No — credit utilisation only applies to revolving credit (credit cards, credit lines, overdraft facilities). Instalment loans like personal loans, home loans, and car loans are tracked separately under credit history and repayment behaviour categories.
CIBIL scores update monthly after banks report. If you pay down your card before the statement date, the lower balance is reported in the current cycle and reflected in your CIBIL score within 30–45 days. It's one of the fastest ways to improve your score.
No — closing unused credit cards reduces your total available credit, which increases your utilisation ratio and can hurt your score. Unless a card has high annual fees, keeping it open (with zero or minimal spend) is usually better for your credit profile.
750+ is considered excellent for home loan approval and the best interest rates. 700–749 gets approval at slightly higher rates. Below 700, most banks will reject or offer significantly higher rates. SBI and HDFC typically require 700+ for standard home loans.
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