Currently, lenders report data fortnightly. From mid-2026, this will shift to weekly updates, meaning your CIBIL or other credit scores will reflect payments, new loans, or missed EMIs much quicker — often within days.
Key Benefits:
Timely payments will boost scores faster
Late payments will show up sooner, encouraging better financial discipline
More accurate and transparent lending decisions
Globally, banks are also adopting newer scoring models that include rent, utility bills, and BNPL payments to help people with limited credit history.
Expert Advice: Keep your credit card usage under 30% and pay all bills on time. With faster updates, good habits will reward you quicker.
This reform is expected to make the entire credit system more efficient and customer-friendly.
