Credit Utilization Calculator
This credit utilization calculator shows what percentage of your total available credit you're currently using — one of the biggest factors in your credit score after payment history. Enter your card balances and limits to see your ratio.
The combined current balance across all your credit cards.
The combined credit limit across all your credit cards.
Credit utilization
सेव करने के लिए लॉग इन करें24.00%
The percentage of your total available credit you're currently using.
Frequently asked questions
Does paying my card in full every month avoid utilization entirely?+
Not necessarily — most issuers report your statement balance, not your ₹0 post-payment balance. Even if you pay in full every month, a high balance on your statement date can still show as high utilization to the credit bureaus.
Is 0% utilization the best score?+
Not quite — many scoring models, including CIBIL's, actually favor a small amount of utilization (roughly 1-10%) over exactly 0%, since it shows active, responsible use of credit rather than no usage at all.
Does requesting a higher credit limit help?+
Yes, if your balances stay the same — a higher limit with the same balance lowers your utilization ratio. Just be aware the request itself may involve a hard credit inquiry, which has a small, separate, temporary effect on your score.