Improving your CIBIL score in just 90 days is completely possible with the right habits. By paying EMIs on time, reducing credit card utilisation, clearing small dues, avoiding new credit applications, and fixing errors in your report, you can boost your score by 40–90 points and unlock better loan opportunities.

Loan rejection isn’t about luck — lenders follow strict checks. From CIBIL score issues and high credit utilisation to job instability and document mismatches, small mistakes can lead to rejection. This guide reveals 7 insider tips lenders don’t tell you — so you can apply confidently, boost approval chances, and get your personal loan without stress.

First-time borrowers no longer need a CIBIL score to apply for loans. As per RBI’s new guidelines, banks must assess applicants based on income, employment, and repayment capacity—not just credit history. This opens doors for young professionals and fresh applicants to access credit with greater ease and transparency.