Cibil Score is calculated using the following benchmarks

1) On-time Payments (High Impact) – Keep the % of on-time/total good. In case you miss a few payments then try to increase the number of total payments on time. Keep your auto payment facility turned ON. There is a hack, from all of your cards try to spend a small/minimum amount of at least 1 rupees every month. Also keep paying that as an auto payment facility. By this way you can increase your total number on time payments against delayed payment

2) Credit Utilization (High Impact) Keep your card limits highest possible. Distribute your spending across time and across all your credit lines. This will make your credit Utilization lowest possible. In case if you are worried about over spending or fraud then set a customized limit of lower value to reduce loss chances.

3) Credit Age (Medium Impact) Keep your credit accounts (Specially Credit Cards, Not home loans) active for longer duration. Stay a longer customer. Don’t close your old cards, either keep on renewing them or upgrade/downgrade as per need.

4) New Credit Accounts (Low Impact) Don’t apply for new cards in a short time intervals. Give a gap between consecutive credit applications

5) Credit Mix (Low Impact) Try to keep a good credit mix of different categories like home loan, credit card, personal loan etc.