How to Increase CIBIL Score From 600 to 750: 7 Practical Ways

 A CIBIL score of 600 can make it harder to get a personal loan or credit card at favourable terms. While improving your score from 600 to 750 does not happen overnight, consistent financial habits can gradually strengthen your credit profile.

A score of 750 or above is generally viewed positively by many lenders, although each lender has its own eligibility criteria. If your current CIBIL score is around 600, focusing on timely payments, lower credit utilisation, and responsible borrowing can help you move towards a stronger score.

Here are seven practical ways to improve your CIBIL score from 600 to 750.

1. Pay EMIs and Credit Card Bills on Time

Your payment history is one of the most important factors in your credit profile. Missing EMI or credit card payments can negatively affect your credit history.

Set up automatic payments or reminders for your loan EMIs and credit card bills. Try to pay the full credit card outstanding by the due date rather than only the minimum amount.

If you have missed payments in the past, don't panic. Start making every payment on time going forward. A consistent repayment history can gradually help improve your credit profile.

2. Keep Credit Card Utilisation Low

Credit utilisation refers to how much of your available credit limit you are using.

For example, if your credit card limit is ₹1,00,000 and you regularly use ₹70,000, your utilisation is 70%. High utilisation may indicate that you are relying heavily on available credit.

As a general strategy, try to keep your utilisation below 30% of your total available limit. If possible, maintaining it even lower can demonstrate that you are not heavily dependent on revolving credit.

Instead of spending close to your credit limit every month, consider spreading large purchases across different months or paying outstanding amounts before the billing cycle closes when appropriate.

3. Avoid Applying for Too Many Loans or Credit Cards

Every time you apply for credit, a lender may make a hard enquiry on your credit report. Multiple credit applications within a short period can make you appear credit-hungry to potential lenders.

If your CIBIL score is 600, avoid submitting applications to several banks and loan apps at the same time.

Before applying, check the lender's eligibility requirements and apply only when you have a reasonable chance of qualifying.

Remember that checking your own CIBIL report is different from applying for credit and does not have the same effect as a lender's hard enquiry.

4. Check Your CIBIL Report for Errors

Sometimes, a low credit score may be affected by incorrect information on your credit report.

Review your CIBIL report carefully and check details such as:

• Personal information
• Loan and credit card accounts
• Outstanding balances
• Payment history
• Closed accounts
• Credit enquiries
• Accounts that you do not recognise

If you identify incorrect information, raise a dispute with the relevant credit information company and/or the lender that reported the information.

Correcting genuine errors can help ensure that your credit profile accurately reflects your financial history.

5. Pay Existing Debt and Reduce Outstanding Balances

If you have multiple outstanding loans or significant credit card debt, creating a repayment plan can help you manage your credit more effectively.

Start by listing your outstanding balances, interest rates and monthly EMIs. Prioritise expensive debt while continuing to make the required payments on all accounts.

For credit cards, paying the total outstanding amount rather than repeatedly carrying a balance can also help you avoid accumulating additional interest.

However, don't take a new loan simply to repay another loan unless you have carefully compared the costs and repayment terms.

6. Maintain Older Credit Accounts Responsibly

The length of your credit history can also be relevant to your overall credit profile.

If you have an older credit card that you manage responsibly and it does not have an unreasonable cost, think carefully before closing it. Closing an old account may change your available credit and the overall structure of your credit history.

At the same time, you should not keep a credit card only because it is old if it has high fees or is otherwise unsuitable for you.

The key is to maintain credit accounts responsibly rather than opening or closing accounts frequently without a clear reason.

7. Build a Consistent Credit History

Improving a CIBIL score from 600 to 750 requires patience. There is no guaranteed method to increase your score by a specific number of points within a fixed period.

If you currently have limited credit history, responsible use of an appropriate credit product may help establish a stronger repayment record over time.

The important habits are simple: borrow only what you can comfortably repay, pay on time, keep credit utilisation under control and avoid unnecessary applications.

How Long Does It Take to Increase CIBIL Score From 600 to 750?

There is no fixed timeline for moving from 600 to 750. Your progress depends on factors such as missed payments, outstanding debt, credit utilisation, length of credit history, number of credit accounts and recent credit enquiries.

If your score is low because of recent missed payments or high outstanding balances, improvement may take time. Consistently following good credit practices can help your profile strengthen as lenders and credit bureaus receive updated information.

Rather than focusing only on reaching 750 quickly, concentrate on maintaining healthy credit behaviour every month.

Can You Get a Personal Loan With a 600 CIBIL Score?

It may still be possible to get a personal loan with a 600 CIBIL score, but approval is not guaranteed. Lenders may consider several factors, including income, employment or business profile, existing debt, repayment history, age, loan amount and their internal credit policies.

A lower score may also affect the interest rate, loan amount or other terms offered.

If you are considering a loan, compare the total cost of borrowing and make sure the EMI fits comfortably within your budget.

Final Thoughts

Increasing your CIBIL score from 600 to 750 is a process rather than a quick fix. Start with the basics: pay every EMI and credit card bill on time, keep credit utilisation low, reduce outstanding debt, avoid unnecessary credit applications and regularly review your credit report.

Most importantly, don't rely on companies promising an instant jump in your CIBIL score. Your credit profile improves through accurate reporting and consistent financial behaviour over time.

A higher CIBIL score can improve your chances of accessing credit, but maintaining responsible borrowing habits is more important than chasing a particular number.