Improve CIBIL Score

Check for bounce charges in your loan account.

If you miss EMI , you need to clear EMI + Charges immediately...

Some Banks will keep on adding bounce charges every month till entire charges are cleared.

Check your loan statement for every six months.

If there is mismatch between income and EMI obligation, discuss with family and settle it, before it turns to a monster.

Good Credit score can help you in getting instant loan, to meet emergency requirement like Medical bill, School Fees Etc....

Overdues effect your CIBIL SCORE the most.. check and clear overdues on priority.