What is Credit Utilization Ratio (CUR)?

CUR is the percentage of your total available credit limit that you are currently using. If you have a 1 Lakh limit and a 40k outstanding balance, your CUR is 40%.

Why is 30% the magic number?

Credit bureaus like CIBIL penalize your score if your CUR exceeds 30%, as it signals you are 'credit hungry' and potentially a high-risk borrower.

Does CUR apply per card or total?

Bureaus look at both. Having a 90% utilization on one card but 10% on another is still bad. You should keep individual AND overall CUR below 30%.

Credit Utilization Ratio Calculator

Check your Credit Utilization Ratio (CUR) across active credit cards. Optimize spending limits to protect your CIBIL score from hard drops.

＋Equis / CUR Alert

FORM CR · REV. 04 · MMXXVI

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CIBIL Health

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How Credit Utilization Impacts Your CIBIL Score

Your Credit Utilization Ratio (CUR) accounts for nearly 30% of your total CIBIL score calculation. It measures how much of your available credit you are actively using. Lenders use this metric to determine if you are "credit hungry" or a responsible borrower.

CUR Bracket	Impact on CIBIL Score	Lender Perception
0% to 10%	Excellent Growth	Highly responsible borrower; optimal for premium card approvals.
11% to 30%	Positive / Stable	Standard usage; safe zone for maintaining a good score.
31% to 50%	Slight Negative Impact	Approaching limits; new loan approvals might get delayed.
> 50%	Severe Damage	Credit hungry; high risk of default leading to rejections.

Frequently Asked Questions

What is a good credit utilization ratio in India?expand_more

In India, a Credit Utilization Ratio (CUR) below 30% is considered excellent and helps boost your CIBIL score. Keeping it consistently under this threshold signals to banks that you manage your finances well and do not over-rely on credit.

How is the credit utilization ratio calculated?expand_more

It is calculated by dividing your total outstanding credit card balances by your total available credit limit across all cards, then multiplying by 100 to get a percentage. For example, if you have a total limit of ₹1,00,000 and you have spent ₹25,000, your CUR is 25%.

Should I keep my credit utilization at 0%?expand_more

No, keeping your CUR at exactly 0% indicates to lenders that you are not actively using credit, which does not help in building a credit history. A CUR between 1% and 10% is optimal for maximum CIBIL score growth, as it proves you use credit but pay it off responsibly.

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