Card utilisation, explained

Utilisation is how much of your credit-card limit you are using right now. If your limit is ₹50,000 and your balance is ₹40,000, your utilisation is 80% — which looks risky to lenders.

Bringing it below 30% is one of the fastest ways to lift your score, often within a statement cycle or two. Pay down balances before the statement date, or ask for a limit increase (and do not spend more).