Credit Guides for India
Understand CIBIL scores, credit cards, and loans with clear, practical guides built for Indian readers.
We focus on plain language, India-specific rules, and worked examples—so you can build credit confidently, avoid fees, and choose borrowing options that actually fit your budget. Explore the sections below to jump into basics, card strategies, report fixes, and loan comparisons.
Credit Basics & Must-Reads
Short, practical guides to improve your score, understand limits, and compare smarter before applying.
Increase CIBIL: 750 → 800
Habits that nudge your score upward—utilisation control, report hygiene, and realistic timelines.
Card Limit by Salary (India)
How banks estimate limits + worked examples by monthly income so you set the right expectations.
AI Loans in India: Hidden Benefits
Faster approvals, sharper risk checks, and where to be careful before saying yes.
Credit Score — What It Is & Quick Improvements
A short, plain-English primer for Indian readers. Use this to understand the score and take fast, practical steps—without leaving this page.
i What is a Credit Score & Why it Matters?
A credit score is a three-digit summary of your creditworthiness (common range: 300–900). Lenders use it to shape approvals, interest rates, and limits. A higher score generally means faster approvals and better terms.
- Payment history: On-time EMIs/card bills are critical; late marks hurt quickly.
- Credit utilisation: Lower usage of your available limit looks safer to lenders.
- Credit mix: Handling both revolving (cards) and term loans responsibly helps profile depth.
✓ 5 Simple Steps to Improve Your Score
- Pay on time: Enable reminders/autopay; even one late can drop the score.
- Keep utilisation low: Aim well below ~30% of total limit, especially on statement date.
- Review reports: Fix errors (wrong late marks, duplicates, outdated details) with proofs.
- Don’t close old accounts: Age and total limit help; downgrade to no-fee instead.
- Limit new applications: Space them out (3–6 months) to avoid inquiry clusters.
About This Page — FAQs
This Credit Guides page combines both credit card and loan information in one place. These FAQs explain what we cover and how to use the page.
› What topics are covered here?
Everything you need to get started with credit in India: score fundamentals (CIBIL), reading and fixing reports, credit card basics and fees, and loan concepts such as EMIs, costs, and when to choose which option.
› Do you provide personalised financial advice?
No. These guides are educational and explain frameworks with examples. For decisions specific to your situation, please consult a qualified professional.
› Are these guides India-specific?
Yes. We focus on Indian credit systems, terms, and regulators. Examples and wording are tuned for Indian readers.
› Do you review specific banks or promote products?
We stay brand-neutral. Our aim is to explain how credit works, the costs to watch, and how to compare options—so you can decide confidently.
› How often do you update these guides?
We revise when rules, fees, or market practices change. Time-sensitive pages note “Last updated” within the content when applicable.
› Can I request a topic or report a correction?
Yes. Send your idea or correction with the page URL and details. We prioritise clarity and fix verified issues promptly. Email: sevafundsofficial@gmail.com
› Do you collect personal information on this page?
No forms are required to read these guides. If you email us, we use your address only to respond. See our Privacy Policy for more on data handling.
› How should I navigate this page?
Start with the overview sections (Credit Basics, CIBIL & Reports), then move to Credit Cards and Loans. Use the comparisons and tools sections for quick decisions and checklists.