Latest Credit Score Rule in India 2025 – What’s New & What It Means for You
Your credit score is one of the most important numbers in your financial life. It influences your ability to borrow, get low interest rates, and even rent a home. With new RBI-backed credit score updates in 2025, understanding the latest rules is essential.
What’s New in the Latest Credit Score Rules (2025)
Top 5 Changes in Credit Score Calculation:
1. Reduced Impact of Loan Inquiries
Multiple credit card or loan applications no longer hurt your score drastically. Each hard inquiry now reduces your score by only 2–3 points (earlier 8–10).
2. Buy Now, Pay Later (BNPL) Reporting
All BNPL accounts now show up in your credit report. Missing BNPL payments can lower your score like credit card defaults.
3. Utility Bills Now Count
Payments for electricity, internet, and postpaid mobile bills now contribute positively to your credit history.
4. Better Weightage to Credit Mix
A balance of secured (home/auto loans) and unsecured (credit card, personal loans) credit will boost your score.
5. More Granular Payment Tracking
Making only the minimum due, or delaying partial payments, will now be reflected more strictly in your score.
Infographic: Credit Score Rule 2025 - What Changed
Meet Riya (Age: 28, Location: Pune)
This example shows how the new rules balance good and bad habits, and how you can control your score better.
Tips to Maintain a Healthy Credit Score in 2025
- Avoid unnecessary credit applications in a short period
- Always pay BNPL dues on time
- Automate utility bill payments
- Maintain a mix of secured and unsecured credit
- Check your credit report every 3 months on platforms like CIBIL, CRIF, or Experian
Conclusion
The new credit score rules in 2025 make the system fairer, but also stricter. Your everyday habits now play a bigger role. Small things like paying your electricity bill on time can help build a strong CIBIL score.
Build 750+ Credit Score
- No deposit required
- Credit improves in 30 days
- ₹500 Credit Builder Loan
- ₹175 EMI with ₹175 Amazon voucher back
- No income proof needed
Frequently Asked Questions
- Detailed credit report with personalised insights
- Expert consultation for credit improvement
- Access to credit education courses and webinars
- Optional ₹500 credit builder loan for eligible members
Latest Credit Score Rule in India 2025 – What’s New & What It Means for You
Your credit score is one of the most important numbers in your financial life. It influences your ability to borrow, get low interest rates, and even rent a home. With new RBI-backed credit score updates in 2025, understanding the latest rules is essential.
What’s New in the Latest Credit Score Rules (2025)
Top 5 Changes in Credit Score Calculation:
1. Reduced Impact of Loan Inquiries
Multiple credit card or loan applications no longer hurt your score drastically. Each hard inquiry now reduces your score by only 2–3 points (earlier 8–10).
2. Buy Now, Pay Later (BNPL) Reporting
All BNPL accounts now show up in your credit report. Missing BNPL payments can lower your score like credit card defaults.
3. Utility Bills Now Count
Payments for electricity, internet, and postpaid mobile bills now contribute positively to your credit history.
4. Better Weightage to Credit Mix
A balance of secured (home/auto loans) and unsecured (credit card, personal loans) credit will boost your score.
5. More Granular Payment Tracking
Making only the minimum due, or delaying partial payments, will now be reflected more strictly in your score.
Infographic: Credit Score Rule 2025 - What Changed
Meet Riya (Age: 28, Location: Pune)
This example shows how the new rules balance good and bad habits, and how you can control your score better.
Tips to Maintain a Healthy Credit Score in 2025
- Avoid unnecessary credit applications in a short period
- Always pay BNPL dues on time
- Automate utility bill payments
- Maintain a mix of secured and unsecured credit
- Check your credit report every 3 months on platforms like CIBIL, CRIF, or Experian
Conclusion
The new credit score rules in 2025 make the system fairer, but also stricter. Your everyday habits now play a bigger role. Small things like paying your electricity bill on time can help build a strong CIBIL score.
Build 750+ Credit Score
- No deposit required
- Credit improves in 30 days
- ₹500 Credit Builder Loan
- ₹175 EMI with ₹175 Amazon voucher back
- No income proof needed
Frequently Asked Questions
- Detailed credit report with personalised insights
- Expert consultation for credit improvement
- Access to credit education courses and webinars
- Optional ₹500 credit builder loan for eligible members