How to Increase CIBIL Score from 500 to 750 in India

Your CIBIL score shows your creditworthiness. If it is around 500, it means lenders see you as a risky borrower. But the good news is, you can move from 500 to 750 with consistent effort and the right approach.

Let’s see how to increase CIBIL score from 500 to 750 in a realistic 6 to 9-month plan.

What is a CIBIL Score?

A CIBIL score is a three-digit number that shows how well you manage credit. It usually ranges from 300 to 900. The higher your score, the better your chances of getting loans or credit cards easily.

It is based on your repayment history, loan amount, credit utilisation, and number of enquiries. A score above 750 is considered good, while a score around 500 means you need to rebuild your credit behaviour to gain lender trust.

Why Is Your CIBIL Score Low?

Common reasons include:

• Missed or delayed loan and credit card payments
• High credit card utilisation (using over 30% of your limit)
• Multiple loan or card applications within a short period
• Short credit history or no active credit accounts
• Errors in your CIBIL report that lower your score unfairly

The first step to improve CIBIL score from 500 to 750 is to know what is affecting it. Download your CIBIL report and check for mistakes.

Guide On How to Increase CIBIL Score from 500 to 750

Follow these steps if you want to increase your CIBIL score:

1. Check and Correct Your Credit Report

Start by reviewing your report. If you find any wrong entries, dispute them online with CIBIL. Fixing incorrect data is one of the quickest ways how to improve CIBIL score immediately.

2. Pay Every EMI and Bill on Time

Paying your bills on time helps the most. Set up auto-debit or reminders so you never miss a payment. Every timely payment brings you closer to a 750 score.

3. Keep Credit Card Usage Below 30%

If your card limit is ₹1 lakh, try not to spend more than ₹30,000. High usage signals dependency on credit and can pull your score down.

4. Avoid Too Many New Applications

Every fresh loan or credit card enquiry temporarily reduces your score. Apply only for what you need and space out applications.

5. Build a Balanced Credit Mix

Have a mix of secured and unsecured accounts. Lenders view this as responsible credit behaviour.

6. Use Secured Credit Cards or Builder Loans

If your score is low, you can rebuild through a secured credit card backed by a fixed deposit. For example, how to increase CIBIL score from 500 to 750 SBI often includes using SBI’s secured card or credit-builder loan. These products record timely payments and raise your score gradually.

7. Clear Old Dues Strategically

Clear your pending dues or turn your payments into easy EMIs. Paying on time regularly helps you improve your credit score.

8. Track Progress Monthly

Use free credit-monitoring tools to see small improvements. With steady discipline, you can effectively raise your CIBIL score from 500 to 750.

How to Increase Your CIBIL Score Online?

You can handle nearly the entire process online:

• Download your CIBIL report digitally
• Raise disputes on the CIBIL portal
• Pay EMIs and card bills using automatic online payments
• Apply for secured credit cards and instant personal loan digitally through trusted partners

Fintech partners such as My Mudra connect you with leading banks and NBFCs, helping you find options suitable for your profile. We can show you how to increase CIBIL score from 500 to 750 online faster.

How to Improve CIBIL Score from 500 to 750 Without Taking a New Loan?

You can increase your score without a new loan. Many people ask how to increase CIBIL score from 500 to 750 without loan. The answer lies in maintaining your existing accounts responsibly.

• Keep paying your current EMIs and card bills on time
• Lower your credit card balance
• Avoid unnecessary new borrowing

If you still need to rebuild credit quickly, a small secured product can speed things up without adding a real financial burden.

How Long Does It Really Take To Increase CIBIL Score from 500 to 750?

Raising your score from 500 to 750 takes time and patience. If you pay your bills on time and use your credit wisely, you can see good progress in about six to nine months. If you correct major report errors or close settled accounts early, progress may come even faster. Short-cuts or “instant-fix” claims rarely work in the long run.

Tips On How to Increase CIBIL Score from 500 to 750 Immediately

Here are small but effective actions that can bring quick positive changes:

• Pay your credit card bill before the statement date
• Avoid withdrawing cash on credit cards
• Do not co-sign loans for others if you are rebuilding your score
• Review your report every three months to track growth

These realistic steps show how to improve CIBIL score immediately without taking risky actions.

Summing Up

Knowing how to improve CIBIL score from 500 to 750 is important. It needs patience, consistency and smart financial habits. With secured cards or SBI-backed credit programmes, you can speed up the process. 

For easier loan comparisons and trusted lender options, you can explore My Mudra. We provide you with a reliable way to strengthen your credit journey and secure better financial opportunities.

Also Read:
- How to Improve CIBIL Score Instantly?
- 5 Tips to Improve CIBIL Score