Credit Utilisation

Calculate your credit utilisation ratio across all credit cards. Understand its impact on your CIBIL score and how to optimise it below 30%.

Credit Utilisation Calculator

Calculate credit utilisation ratio and its impact on your CIBIL score

Card 1 — Credit limit Rs 1,00,000
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Card 1 — Balance used Rs 30,000
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Card 2 — Credit limit Rs 50,000
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Card 2 — Balance used Rs 10,000
Rs
Card 3 — Credit limit Rs 0
Rs
Card 3 — Balance used Rs 0
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Overall utilisation
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Total credit limit
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across all cards
Total balance
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amount used
Card 1 utilisation---
Card 2 utilisation---
Card 3 utilisation---
Available credit---
Overall utilisation---

Keep utilisation below 30% for a healthy CIBIL score. Below 10% is ideal.

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ThriftRupee Insight

Credit utilisation is the second biggest factor in your CIBIL score (after payment history). Keep it below 30% for a good score and below 10% for an excellent score. Trick: ask your bank to increase your credit limit without increasing spending -- this instantly lowers utilisation. Also, spreading expenses across multiple cards keeps per-card utilisation lower, which helps even if total utilisation is the same.

Credit Utilisation Calculator India 2026

Calculate your credit utilisation ratio across up to 3 credit cards. See individual and overall utilisation, and understand its impact on your CIBIL score.

Frequently asked questions

What is credit utilisation ratio?▼
Credit utilisation = (Total balance used / Total credit limit) x 100. If you have Rs 1 lakh credit limit and Rs 30,000 outstanding, your utilisation is 30%. CIBIL and other bureaus calculate this on both individual card and aggregate basis. High utilisation signals credit stress and lowers your score.
What is a good credit utilisation ratio?▼
Below 30% is generally considered good. Below 10% is excellent and can push your CIBIL score to 750+. Above 50% starts hurting your score significantly. Above 75% is considered high risk. The optimal sweet spot is 1-10% utilisation -- using the card but not too much. Zero utilisation (not using cards at all) is not ideal either, as it shows no credit activity.
How can I reduce my credit utilisation quickly?▼
Pay down balances before the statement date (not just the due date) -- utilisation is captured at statement generation. Request a credit limit increase from your bank. Spread spending across multiple cards. Get a new credit card to increase total available credit. Avoid closing old cards as this reduces your total limit and raises utilisation.

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