Calculate your current utilisation rate, see the CIBIL impact and get actionable strategies to reduce it — including mid-cycle payment and limit increase tips.
Credit utilisation ratio (CUR) = total outstanding balance / total credit limit. CIBIL recommends keeping this below 30% for a healthy score. Below 10% gives the best score boost. Above 50% can drop your score by 30–80 points.
Not necessarily. Banks report your balance to CIBIL on your statement date, not the due date. Even if you pay in full each month, CIBIL sees the statement balance. To show low utilisation, either make mid-cycle payments or request a higher credit limit.
Yes. CIBIL tracks both overall utilisation AND per-card utilisation. A single card above 50–60% hurts your score even if overall utilisation is fine. Try to keep each card below 30%.
Changes in credit utilisation reflect in CIBIL score within 30–45 days (one billing cycle). Unlike late payments which stay for 7 years, utilisation changes are reflected almost immediately.
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