mob-head
Get App
close img

Find all the help you need

Download our app and find help on your fingertips

apple-logo playstore-logo
Download our app
Help Center

Support topics, Contact us, FAQs and more

Explore Personal Banking
Accounts
Deposits
Loans
Wealth & Insure
Payments
Cards
Blogs
What's special about us
Customer Support
Explore all Credit Cards
Premium Metal
0% Forex & Travel
Lifetime Free
10X Rewards
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
More
Customer Support
Explore NRI Banking
NRI Savings Account
NRI Fixed Deposit
GIFT City
FOREX Solutions
Transfer to NRE
Markets & Beyond
Customer Support
Explore Startup Solutions
Explore Corporate Banking
Corporate Account
Cash Management Services
Supply Chain Finance
Corporate Lending
Treasury
NBFC Financing
Customer Support
BRAVO (Auto Sweep)
Explore Business Banking
MSME Accounts
Trade Services
MSME Loan
MSME Solutions
Debit Card
Offers
Customer Support
Explore GIFT City
About Us
Investors
Careers
IDFC FIRST Academy
ESG

FOLLOW US ON :

Download Now

  • App Store
  • Google Play

Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

    Know More

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

    Apply Now

FinFIRST Blogs

Credit Card Savings Account Personal Loan Home Loan Car Loan Education Loan Two Wheeler Loan NRI Business Banking Fixed Deposit Finance Beyond Banking MyFIRST Mobile Banking Startup Banking Investments Salary Account Current Account Used Car Loan Used Two Wheeler Loan
Apply Now

Personal Loan

How to Improve Your CIBIL Score from 600 to 750 Quickly

Key Takeaways

  • Key Takeaway ImageA CIBIL score of 750+ is considered good and boost your chances of getting a loan.
  • Key Takeaway ImagePaying EMIs and credit card bills on time is the most effective way to boost your score.
  • Key Takeaway ImageKeeping credit utilization low and maintaining a healthy mix of loans helps strengthen your profile.
02 Sep 2025 by Team FinFIRST
how-to-improve-cibil-score-600-to-750
Apply Now

If your CIBIL score is around 600, you may face challenges getting approved for loans or credit cards. Lenders generally consider 750 and above as a good CIBIL score, as it indicates that you are responsible with loans and credit in general.

The good news? With the right steps, you can increase your CIBIL score from 600 to 750 over time. Read on to get actionable strategies, practical examples, and a clear path to achieving a healthier credit score.

READ MORE

international trip
Plan a five-star vacation without breaking your holiday budget
pre-approved personal loan​
A complete guide to getting instant approval on digital personal loans

Here are the steps to increase your CIBIL Score from 600 to 750
 

1. Never miss your EMIs and credit card bill
 

Your repayment history makes up the largest share of your CIBIL score, i.e around 35%.

Action: Enable auto-payments using standing instructions or reminders for bill payments.

Why it matters: Even a single missed EMI or late payment can reduce your CIBIL score. On the other hand, six months of timely payments can steadily rebuild it.

2. Keep Credit Utilization Ratio low
 

Overspending using credit cards suggests a high dependency on credit.

Action: If your credit card limit is ₹1,00,000, try to keep your usage below 30% of this limit. This includes any amount used for EMI purchases.

Pro tip: Accept a credit limit upgrade, if eligible, but avoid increasing your spending.

3. Avoid Multiple Loan or Credit Card Applications in a short time
 

Each new loan or credit card application triggers a hard inquiry by the lender which can lower your CIBIL score slightly.

Action: Compare loan and credit card offers before applying.

4. Maintain a Healthy Credit Mix
 

Having a healthy balance of secured loans (like home or car loans) and unsecured loans (like personal loans and credit cards) can help in building a strong credit profile.

Example: A mix of a home loan and credit card can look more balanced than having only multiple credit cards.

5. Check Your CIBIL Report for Errors
 

Errors in your CIBIL report such as incorrect outstanding balances or old settled loans can negatively affect your score.

Action: Review your report regularly on the TransUnion CIBIL website or any other trustworthy credit score apps or websites. If you spot any errors, raise a dispute immediately.

6. Consider a Secured Credit Card
 

Impact: If your score is around 600, you may not qualify for premium or high credit limit cards. A secured credit card, issued against a fixed deposit, is easier to get approved for.

Why it helps: Using it responsibly and paying bills on time can help you improve your CIBIL score.

7. Reduce Existing Debt Strategically
 

Impact: High outstanding balances increase your credit utilization and drag your score down.

Action: Start by paying off smaller loans or high-interest credit card balances first. Even partial repayments on time help.

Pro tip: If you have debt across multiple cards or loans, you can consolidate them into a single personal loan with lower interest (such as FIRSTmoney Personal Loan). This simplifies repayments and improves credit discipline.

With IDFC FIRST Bank’s FIRSTmoney Personal Loan:

8. Don’t Close Old Credit Cards
 

Impact: The length of your credit history is another factor in your CIBIL score. Older loan and credit cards add to your credibility.

Action: Even if you no longer use an old credit card frequently, keep it active by making a small transaction every few months. However, this is advisable only if you are not incurring hefty annual fees for it.

Take control of your CIBIL score today
 

A score of 600 doesn’t have to limit your financial opportunities. With consistent efforts and responsible credit use, you can reach the 750+ milestone and unlock better loan and credit card options.

Frequently Asked Questions

How long does it take to increase a CIBIL score from 600 to 750?

You can gradual improvement within 6–12 months if you follow disciplined credit practices.

Can I increase my CIBIL score fast in 30 days?

A drastic jump in 30 days is unlikely, but clearing outstanding dues or correcting report errors can help you see early improvements.

Is 600 a very bad CIBIL score?

600 is considered below average CIBIL score. It may lead to loan rejections or higher interest rates compared to someone with a higher credit score.

Does taking a personal loan improve my CIBIL score?

Yes. A personal loan, when repaid on time, builds a positive repayment history that contributes to a better CIBIL score.

Will checking my own CIBIL score reduce it?

No. Checking your CIBIL score is a soft inquiry, which has no impact on it. Only lender enquiries for new loans can affect your CIBIL score.

What is considered a good CIBIL score for personal loans?

A score of 750+ is generally considered good for getting personal loans on better terms. With IDFC FIRST Bank, you can get a personal loan with a CIBIL score of 730 and above.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

Prev

Strategies to speed up your personal digital loan process easily
Next

How short-term loans support non-salaried professionals

Related Products

Related Articles

Download IDFC FIRST Bank App

Tags

You might also be interested in:

Savings Account

Savings Account
Personal Loan

Personal Loan
Credit Card

Credit Card
Home Loan

Home Loan
Two Wheeler Loan

Two Wheeler Loan

Contents