November 24, 2025 · 9 mins read
Santosh Kumar
Today’s economy is mostly a debt-based economy, meaning more and more people are dependent on credit or borrowing and lending for their personal and business growth. They are dependent on credits and loans from the government and/or the private sector to boost their economic growth. A CIBIL score acts as a crucial tool for banks and other financial institutions to approve or reject a loan or credit card.
A CIBIL score, also known as a credit score, is a three-digit number between 300 and 900 that is an indicator of one’s personal loan eligibility and/or credit card eligibility. It is a measure of one’s financial credibility. Various financial factors influence one's CIBIL score, namely, loan repayment history, current status of outstanding loans, credit history, etc. CIBIL stands for Credit Information Bureau (India) Limited. A higher CIBIL score of 800 and above is considered excellent. High CIBIL scores assure borrowers of faster approval of loans and credit cards with low interest rates. A CIBIL score from 700 to 799 is considered good, with borrowers paying all their dues, namely EMI and bills, on time. CIBIL scores less than 700, though a fair score, make it difficult to get loans and credit cards, or loans are issued with lower credit limits but high interest rates. A credit score from 300 to 600 is categorized by lenders as poor or very poor.
To increase one’s creditworthiness and CIBIL score, one may wonder how to increase the CIBIL score from 650 to 750. In today's world, it is essential that we keep our credit score high so that we can be ready to face any financial emergency. At the same time, maintaining a CIBIL score of more than 750 is challenging but not too difficult. There are many ways experts suggest to increase the CIBIL score from 650 to 750. Some of them are:
The first and foremost way to increase CIBIL score from 650 to 750 is to make a note of all dues and EMIs and repay them on time, meaning on or before the due date. In case of a credit card due, it is better to finish off the dues as fast as possible, as paying just the minimum balance leads to higher interest on the remaining amount. Borrowers can set up automatic, timely reminders to pay their bills on time.
It is better to stay updated on credit scores and debts, as it helps to manage our finances better. Borrowers must monitor their statements as and when they are available. A high credit score makes us eligible for more loans. Checking credit reports every few months will ensure there are no unnecessary errors, which may lead to an increased debt accumulation burden.
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To increase CIBIL score from 650 to 750, borrowers must first avoid multiple loans and try to settle the existing loans as soon as possible. In case of situations where borrowers cannot avoid multiple loans, it is better to space out the loans, as borrowers may get some time to finish off the remaining loans to some extent.
The credit utilization ratio is the ratio of credit utilized to the total credit available. Total credit available is set by the lender. Wise financial advice is to keep the credit utilization ratio below 30%. A credit utilization ratio of more than 30% is likely to negatively impact one’s CIBIL score.
The majority of credit cards offer lucrative offers to users in the form of cashback, discounts, rewards, etc. This often results in overspending and thereby, the increasing financial burden on borrowers. Borrowers must keep track of their expenses and set up a habit of spending only as needed and not unnecessarily.
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Settling the balance in full on a monthly basis goes a long way in increasing the CIBIL score. Borrowers can utilize the interest-free period to pay off their dues and thus reduce penalties due to late payments or overdue amounts. This is one of the best answers on how to increase CIBIL score from 650 to 750. Paying dues in full also makes borrowers eligible for more discounts, rewards, and cashbacks.
Maintaining financial discipline and setting financial goals helps in repaying debts on time, thereby helping borrowers secure a good credit history. This helps to increase the CIBIL score in no time.
Secured loans require collateral, while an unsecured loan does not. Secured loans include mortgage loans, vehicle loans, etc. Unsecured loans include personal loans, credit cards, etc. Secured loans have lower interest rates compared to unsecured loans. It is not easy to juggle both these loans together. To have a positive impact on credit history and increase CIBIL score, borrowers must know how to balance a mix of secured loans and unsecured loans and repay both on time.
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The longer the credit history, the higher the credit score. One of the ways to increase a CIBIL score from 650 to 750 is a long credit history. It is advisable not to close the old, unutilized cards but to keep them open, as it has a huge positive impact on the credit score.
With a CIBIL score as low as 650 or less, borrowers must limit their new credit card applications, as each new credit card inquiry acts as a hard inquiry, which will be reflected on the borrower’s credit history. This may further lower the creditworthiness of the borrowers.
A CIBIL score of 650 or more is a prerequisite for new credit card applications. The ZET credit card issued by SBM is the only credit card that does not require a CIBIL score. In fact, as it is backed by fixed deposits (FD), it does not need proof of income either. The ZET credit card is a lifetime free credit card with no annual fees or joining fees. As it is backed by FD, the credit limit is set at 90% of the FD amount. It is a boon for those who are yet to start their credit history or are struggling to increase their credit scores. The ZET credit card offers the same host of benefits as other credit cards in the form of cashbacks, discounts, rewards, and vouchers in both online and offline modes.
A CIBIL score of 650 may be considered poor. A good and consistent financial discipline, repaying all dues and EMIs on time, keeping credit utilization lower than 30%, and limiting new loans and new credit card applications are some of the answers on how to increase CIBIL score from 650 to 750. Borrowers must set financial goals and track their finances.
Delayed or partial payments affect CIBIL scores negatively. In case of financial stress or not being able to pay EMIs or debts on time, borrowers can always take the help of financial counselors who will guide them effectively to manage finances and increase their CIBIL score.
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A high CIBIL score of 800 or above is an indication of excellent credit history. A CIBIL score of 700 to 799 is indicative of a good credit history, while a CIBIL score of less than 700 is considered fair to poor, and such individuals with CIBIL scores less than 700 are considered high risk by lenders.
It is possible to increase a CIBIL score from 650 to 750 by following some simple yet crucial steps. Some of these steps are managing expenses wisely, living within one’s means, having a positive payment history, and repaying loans and EMIs on time. It is better to pay off any loan in full and before the due date to avoid paying unnecessarily high interest rates.
A CIBIL score of 650 is considered fair by the majority of lenders. Individuals with a 650 CIBIL score do get approved for credit cards or other loans, but such loans are often accompanied by higher interest rates and lower credit limits. So, it is always better to increase the CIBIL score from 650 to 750.
A credit utilization ratio is the ratio of credit utilized to the total credit limit available. The ideal credit utilization ratio is considered to be 30% or lower.
One of the best ways to increase CIBIL score is not to close old, unutilized credit cards and to use them rarely to keep them active. A long credit history positively impacts one’s CIBIL scores.
Applying for many credit cards at a time negatively impacts our CIBIL scores, as multiple credit cards are indicative of financial emergency and are deemed high risk by lenders. So it is advisable to finish off the dues of the existing credit cards before applying for new ones.
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