Credit Cards
Credit Utilization Ratio Calculator
Computes your credit utilization ratio, one of the most influential factors in your credit score.
Your details
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Credit utilization
30.00%
Your credit utilization is 30.0% — within the commonly recommended under-30% range.
How this is calculated
Credit utilization % = Total outstanding balance ÷ Total credit limit × 100.
Frequently asked questions
What's a good credit utilization ratio?
Below 30% is a commonly cited threshold; below 10% is even better for those optimizing hard for their credit score. It's calculated both per-card and across all cards combined.
Why does utilization matter so much?
It's one of the most heavily weighted factors in most Indian credit scoring models, second only to payment history — high utilization signals higher risk to lenders even if you always pay on time.
Does paying off my card before the statement date help?
Yes — utilization is often reported based on your statement balance, so paying down before the statement is generated can lower the reported ratio even if you always pay in full by the due date.