Credit Health Suite
Monitor your CIBIL score, understand what drives it, and follow a personalised roadmap to 800+.
Your score is in the Good range (600–749). A score above 750 unlocks the best interest rates.
Jun 24, 2025
In 30 days
Score Factors
Payment History
97% on-time
Excellent ✓Credit Utilisation
42%
FairKeep below 30% to improve your score.
Credit Age
4.2 years
Good ✓Enquiries
2 hard pulls (6 mo)
FairAvoid new loan applications for 6 months.
Active Loans
| Loan Type | Lender | Outstanding | EMI | Next Due | Status |
|---|---|---|---|---|---|
| Personal Loan | HDFC Bank | ₹3,20,000 | ₹8,450/mo | Jul 5, 2025 | Current |
| Credit Card | ICICI | ₹45,000 balance | ₹4,500 min | Jul 15, 2025 | Current |
| Personal Loan | Bajaj Finance | ₹1,80,000 | ₹5,200/mo | Jul 10, 2025 | Current |
Score History
Score improved +44 pts over 6 months
Improvement Tips
Reduce card utilisation to below 30%
+15 ptsPay down ₹30,000 on your ICICI credit card to bring utilisation from 42% to under 30%.
No new loan applications for 6 months
+8 ptsEvery hard enquiry can knock 5–10 pts off your score. A 6-month pause lets existing pulls decay.
Increase oldest credit card limit
+5 ptsRequest a credit limit increase on your longest-held card to reduce overall utilisation ratio.
Ready to reach 800+?
Follow your personalised 6-month credit builder roadmap.