Check your credit report from CIBIL
Note your CIBIL score range, usually 300 to 900
Identify payment history, credit utilization, credit mix, credit inquiries, and credit age
Assign higher weight to payment history and credit utilization
Add points for on-time repayments
Subtract points for late payments, defaults, or settlements
Subtract points for high credit card usage
Subtract points for multiple recent loan applications
Add points for a long and healthy credit history
Add points for a balanced mix of secured and unsecured credit
Compare the final score with lender requirements for home loan eligibility