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How do I build a credit score from zero?
Updated · CardKhoj Editorial Team
Short answer
Start with a product that reports to credit bureaus: a secured credit card against a fixed deposit, an entry-level card from your salary bank, or a small consumer-durable loan. Use it lightly, pay every bill in full and on time, and you will usually have a score of 700+ within 6 to 12 months.
Step-by-step plan
- Get your first credit line — a secured credit card is the easiest option if banks reject you.
- Use it for small regular expenses such as a phone bill or groceries.
- Keep utilisation low — under 30% of the limit.
- Pay in full before the due date every month; set up auto-debit.
- Do not apply for many products at once — wait at least six months between applications.
- Check your report after a few months to make sure your account appears correctly.
How long it takes
A score is usually generated after about six months of credit history. Lenders report to bureaus every 15 days, so good behaviour shows up quickly.
Mistakes to avoid
- Taking “instant” loans from unregulated apps — late payments are reported and damage a new profile.
- Becoming a guarantor before you understand the risk — if the borrower defaults, it hits your score too.
This answer is general information, not personalised financial or tax advice. Rules, rates and limits change — confirm with your bank, the RBI or a qualified adviser before making decisions.