What Exactly Makes Up Your CIBIL Score? Full
Breakdown You Must Know
Your
CIBIL score isn't a random number. It’s calculated based on 5 key components —
and each one can make or break your future loan approvals.
🟠 1. Payment History (35%)
The
biggest factor. Delayed EMI? Missed credit card payment? That’s a red flag.
Tip: Always set EMI auto-debit and
credit card payment reminders.
🟠 2. Credit Utilization Ratio (30%)
Don’t use
more than 30–40% of your available limit. Using 80–90% regularly is a warning
sign to lenders.
Tip: If you have a ₹1 lakh credit
card limit, stay within ₹30,000/month.
🟠 3. Credit History Length (15%)
Older
accounts = better score. Don’t close your first credit card — it's your credit age
anchor.
🟠 4. Credit Mix (10%)
A healthy
mix of secured (home loan, car loan) and unsecured credit (credit cards) is
ideal.
Only
credit cards? That’s risky. Only loans? Not ideal either.
🟠 5. New Credit Enquiries (10%)
Every
time you apply for a loan/credit card, it’s recorded as a hard enquiry. Too
many = risky borrower.
Tip: Don’t apply to 5 banks at once —
choose carefully.
✅ Conclusion
CIBIL is
not a mystery — it’s math. If you understand its components, you can improve
and protect your score strategically.
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