Credit utilisation calculator
Check your credit utilisation ratio across cards and see its impact on your score.
Credit utilisation ratio (CUR)
Add your total credit limit and total outstanding balance to see your utilisation ratio and how it affects your credit score. Aim below 30%.
Add up the credit limits across all your cards and revolving lines.
The combined amount currently used / owed on those cards.
- Used30%
- Available70%
Credit utilisation ratio
30.0%
Good range
Score impact
Good range
below the 30% threshold lenders prefer — aim under 10% for an excellent score
Outstanding balance
₹30,000
Available credit limit
₹1,00,000
₹70,000 unused
A loan can consolidate card balances and lower utilisation.
From two numbers to your CUR
Utilisation is one of the biggest levers on a credit score, and it's entirely in your control. Here's how the ratio is built.
Total up your cards
Add the credit limits across every card and revolving line into one figure.
Add your balances
Enter the combined amount you currently owe across those same accounts.
Read your ratio
Utilisation = total balance ÷ total limit × 100. We label it Excellent, Good, Fair or Poor.
Bring it below 30%
Lenders prefer utilisation under 30%; under 10% is ideal. The lower the ratio, the better for your score.
Why credit utilisation matters
Your credit utilisation ratio is the percentage of your total available credit that you're using right now. Because it reflects how reliant you are on credit, it carries a lot of weight in how lenders and credit bureaus assess you — often second only to your repayment history.
Keep utilisation low and your score tends to climb; let balances creep up toward your limits and it can fall even when every payment is on time. This calculator scores your ratio against four bands — Excellent (10% or below), Good (up to 30%), Fair (up to 50%) and Poor (above 50%) — so you know exactly where you stand and how much headroom you have.
This tool is for guidance only and does not represent a credit decision. Your actual score is calculated by the credit bureaus using their own models. PakkaLoan does not lend directly.
Credit utilisation questions, answered
Credit utilisation ratio is the share of your available revolving credit that you're currently using. It is calculated as total outstanding balance ÷ total credit limit × 100, across all your credit cards and lines. It is one of the most influential factors in a credit score.
Lower is better. This calculator uses four bands: 10% or below is Excellent, up to 30% is Good, up to 50% is Fair, and above 50% is Poor (high risk). Aim to keep utilisation below 30% — and below 10% for an excellent score.
Pay down outstanding balances, avoid maxing out any single card, ask for a higher credit limit (without increasing spending), or spread spending across cards. Consolidating high card balances into a single lower-rate loan can also bring your overall utilisation down quickly.
Yes. High utilisation signals to lenders that you may be over-reliant on credit, which can pull your score down even if you pay on time. Reducing your balances relative to your limits is one of the fastest ways to improve a score.
No. It is a planning tool — entering your limits and balances here has no effect on your credit score. A formal credit enquiry is only raised when you proceed with a specific lender and they assess your application.
Consolidate balances with a personal loan
Rolling high-interest card balances into a single lower-rate loan can cut your utilisation and simplify repayment. Compare offers in one place.