A CIBIL score of 600 often puts borrowers in a difficult position. While it’s not the worst score, it’s not strong enough to easily qualify for low-interest loans, premium credit cards, or quick approvals. Lenders consider a score below 650 as “moderately risky,” which means they may either reject your application or offer you credit at a higher interest rate. The good news is that improving your credit score is absolutely possible — and you can upgrade it from 600 to 750 smoothly with the right strategy.
In this guide, you’ll learn how to increase CIBIL score from 600 to 750 using practical steps, smart habits, and long-term financial discipline.
1. Check Your Credit Report for Errors
The first step to boosting your score is reviewing your CIBIL report. Many people don’t realize that their low score may be caused by incorrect details, outdated information, or wrongly reported overdue payments.
Dispute errors immediately, such as:
- Wrong personal details
- Loans or credit cards not belonging to you
- Payments marked as “late” even after paying on time
Once corrected, your score can rise quickly.
2. Pay All Your EMIs and Credit Card Bills on Time
Your payment history makes up more than 35% of your CIBIL score. Even one missed or late payment can drag your score down drastically.
To avoid this:
- Enable auto-debit for EMIs
- Pay your credit card bill before the due date
- Never pay just the minimum balance
Consistent on-time payments over a few months can significantly boost your score.
3. Reduce Your Credit Card Utilisation Ratio
If your credit limit is ₹1,00,000, try to keep monthly usage below ₹30,000. High utilisation signals financial stress to lenders and reduces your credit score.
To manage this:
- Use multiple cards to distribute spending
- Request a credit limit increase
- Avoid maxing out your cards
A low utilisation ratio helps your score rise steadily.
4. Avoid Applying for Multiple Loans or Credit Cards
Each loan or credit card application generates a “hard inquiry.” Too many inquiries within a short time signal desperation, reducing your CIBIL score.
When improving your score from 600 to 750, apply only when necessary. Allow at least 3–6 months between applications.
5. Clear Outstanding Dues and Settle Old Accounts Carefully
If you have old unpaid credit card bills, overdue EMIs, or loan defaults, clear them as soon as possible. Outstanding dues heavily impact your score.
Avoid “settlements,” unless absolutely needed, because settled accounts stay on your report and indicate risk to future lenders.
6. Build a Healthy Credit Mix
A strong credit profile includes a mix of secured (home loan, vehicle loan) and unsecured credit (credit cards, personal loans).
If you’ve only used credit cards till now, consider adding a small secured loan like a consumer durable loan or gold loan. It helps build a balanced credit history.
7. Keep Old Credit Accounts Active
Old accounts help build long credit history — a key factor for a strong score.
Don’t close your oldest credit card, even if you rarely use it. Maintaining older accounts adds stability to your credit profile.
Final Thoughts
Increasing your CIBIL score from 600 to 750 isn’t an overnight process, but with consistent habits and responsible credit behaviour, it’s absolutely achievable. Focus on timely payments, controlled utilisation, error-free reports, and a balanced credit mix. Within a few months, you’ll notice steady improvement — opening the door to better loan offers, higher credit limits, and stronger financial confidence.