This is a detailed guide about credit utilisation ratio: the single biggest lever for your cibil score. We cover everything you need to know to make smarter financial decisions in India.
Why this matters for you
India's lending and credit landscape is uniquely complex. Between opaque lender policies, hard-to-understand credit reports, and a dizzying number of loan and card options, most people end up paying more than they should.
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The average ScoreUp user improves their credit score by 47 points in their first 90 days.
How ScoreUp helps
Instead of reading 10 articles and still being unsure, just ask ScoreUp. Connect your accounts, describe your situation in plain English (or Hindi), and get a straight answer backed by your actual data.
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