How to Increase CIBIL Score from 400 to 750 Fast

A CIBIL score of 400 shows that you have a high credit risk. To recover this, you need to have consistent effort and the right strategy. So it is important for you to know how to increase CIBIL score from 400 to 750. It can take from six to twelve months.

Let’s explore how to increase the CIBIL score from 400 to 750.

What is a CIBIL Score?

A CIBIL score is a three-digit number that shows how good you are at handling credit. It usually ranges from 300 to 900.

It is calculated based on:

• Repayment history
• Credit utilisation ratio
• Types and duration of credit
• Number of credit inquiries

A score above 750 is seen as good and makes it easier to get loans or credit cards approved faster. You can get this often with lower interest rates.

Why Does a Score of 400 Happen?

This CIBIL score usually shows:

• Delayed payments
• Settled or defaulted accounts
• Very high credit usage
• Serious reporting errors

If you want to improve your CIBIL score from 400 to 750, first you need to know that there is a problem and then take steps to fix it.

Steps on How to Increase CIBIL Score from 400 to 750

Here is how you can improve CIBIL score from 400 to 750:

Step 1: Check credit report and fix errors

Get your credit report from CIBIL and check it closely. Look for any wrong details, repeated entries or incorrect pending amounts. Dispute errors immediately.

Step 2: Clear outstanding dues or settle defaults

If you have missed payments, talk to your bank and try to settle the amount. Or you can also make a new payment plan. Always collect written confirmation of settlement. Paying off old dues reduces negative weight on your report and helps start your recovery process.

Step 3: Use a secured credit card/credit builder loan

If you cannot get an unsecured loan, apply for a secured credit card. It is backed by a fixed deposit, so approval is easier. You can also try a credit-builder loan that helps you build your repayment record. Both these options report your payment history to CIBIL. When you pay on time, it creates a positive credit record. Using these products responsibly is one of the best ways to increase CIBIL score from 400 to 750.

Step 4: Maintain low credit utilisation

Try to use less than 30% of your total credit limit. Usually between 10% and 20%. Using a small portion of your credit shows that you manage money and helps improve your CIBIL score from 400 to 750.

Step 5: Avoid hard inquiries

Every hard inquiry slightly reduces your score. Apply for credit only when necessary and space out applications by a few months. Avoid multiple applications while rebuilding your score.

Practical Monthly Plan to Increase CIBIL Score from 400 to 750

Here is a monthly plan that you can follow:

By following this, you can increase CIBIL score from 400 to 750. Most people see some progress in about six months and a big improvement as the year goes by.

Score 400 vs Score 750: Loan Eligibility Comparison

Here is an easy comparison you can follow:

This shows why it is worth aiming to increase the CIBIL score from 400 to 750. It directly affects your loan terms, interest rates, and access to financial products.

Everyday Habits to Boost Your Score Quickly

• Pay all EMIs and credit card bills on or before the due date
• Prioritise clearing large outstanding balances
• Pay credit card bills before the statement date to lower reported utilisation
• Keep your old credit accounts open to show a long credit history
• Do not spend too much or use credit for things you do not need

Can You Improve CIBIL Score from 400 to 750 Without Taking New Loans

Yes. You can improve your CIBIL score from 400 to 750 without new loans by focusing on:

• Clearing dues
• Fixing report errors
• Maintaining low utilisation
• Ensuring consistent on-time payments

However, a secured credit product often helps you rebuild faster by adding positive payment history.

Why Secured Products and Bank Programmes Help

Banks and NBFCs offer secured credit cards or credit-builder loans designed for low-score customers. For example, SBI and other major banks provide fixed-deposit-backed credit cards.

Using these responsibly gives CIBIL a clear record of improved financial behaviour and helps you increase your CIBIL score from 400 to 750 steadily.

Monitoring Your Progress

Check your credit report every few months using CIBIL or trusted fintech apps. By keeping an eye on it regularly, you can find mistakes early and stay encouraged to improve. If your score does not go up, look at how you are repaying your loans and using credit to find what is going wrong.

How My Mudra Can Help You Improve Your CIBIL Score

My Mudra offers simple and guided solutions to help you increase your CIBIL score from 400 to 750 and regain financial confidence. Here’s how:

• Access expert guidance: You can find articles on credit management, repayment discipline, and credit utilisation ratio on the My Mudra Blog.
• Check your CIBIL score instantly: You can check your current credit score and understand where you stand financially.
• Compare multiple lenders in one place: We connect you to banks and NBFCs. There, you can compare interest rates, terms, and eligibility.
• Explore credit options: Find secured credit cards, loans, and other programmes made to help rebuild your score responsibly.
• Apply online with ease: Complete your application securely online, track progress, and start improving your credit profile without paperwork.
• Stay informed: You can find regular tips and resources to build good financial habits and keep your credit stable in the long run.

Check your CIBIL score and apply for a loan with My Mudra to get your credit back.

Summing Up

Knowing how to increase CIBIL score from 400 to 750 is important for you. Increasing your CIBIL score takes time and regular effort. But the result is definitely worth it. For guided loan and credit options, you can visit My Mudra. We help you achieve stronger credit health and better financial opportunities.

Also Read:
- How to Increase CIBIL Score from 600 to 750 in India
- How to Increase CIBIL Score from 500 to 750 in India