Last updated: 21 August 2026
Methods
- App request + income proof
- Salary slips/ITR — limit 2-3x income
- 6 mo on-time + 30-50% use → auto
- FD top-up
- Customer care negotiate
What Helps
| Factor | Effect |
|---|---|
| Income ↑ | Direct |
| CIBIL 750+ | Faster |
| Utilization 30-50% | Need dikhta |
Frequently Asked Questions
Q: How often request?
A: 6 months gap.
Q: Hurt score?
A: Some banks do a hard inquiry — most use a soft one.
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