WordsHow much of your limit you use
Utilisation
The share of your credit limit you’re using at a given moment: owing ₹30,000 on a ₹1,00,000 limit is 30 per cent, and paying it down to ₹10,000 makes it 10 per cent.
Experian, one of India’s four credit bureaus, works it out across all the credit available to you and counts it as a high-impact factor in its score. A bureau sees the balance your bank last reported, and RBI’s rules have banks report it four times a month, as on the 9th, 16th, 23rd and last day.
Where this comes from
- Experian India, Frequently Asked QuestionsWhat are the score factors? and What is in a Credit Report?
- RBI, Credit Information Reporting Directions, 2025Paragraphs 10(2) and 25, as updated 1 July 2026
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What happened to members, not financial advice. Offers change, so check with the bank. Terms of use