Credit Utilisation Ratio Calculator
Your utilisation ratio is ~30% of your CIBIL score — second only to payment history. Enter your cards to see where you stand and how much to pay down.
Card 1
Card 2
Your utilisation
30.0%
You are inside the healthy zone. Staying under 30% keeps this factor working in your favour.
Total limit
₹1,50,000
Total balance
₹45,000
Why closing a card can backfire
Closing a card removes its limit from your total — which raises your utilisation ratio even if your spending doesn't change. Try it: remove a card above and watch the ratio jump. This is why keeping old no-fee cards open usually helps your score.
Confused by CIBIL myths?
We bust the 9 biggest credit score myths that cost Indians money.
Note: Utilisation is one major factor (~30%) in your CIBIL score, but not the only one — payment history (~35%), credit age, mix, and inquiries also matter. This tool estimates your overall utilisation ratio; bureaus may also look at per-card utilisation. It's a guide to a healthy range, not a score prediction. Check your actual score free via the official CIBIL site. Not financial advice.