How to efficiently cleanup my loans for maximum impact on Cibil score ?
Have a clean history of emi repayment from January 2026 onwards....i dont have any credit cards as of now...if I have a surplus cash of Rs 6 lakhs by June 1st week of 2026....how must I do the repayments ? Loans are as following
Bajaj finserv personal loan ( app based eligibility) , 7 months old - 3264 every 2nd ( 63k pending to pay towards the principal , loan sanctioned on 12/10/2025 )
L&T finance ather scooter loan , 15 month old - 5009 every 3rd ( 93 k total payable , 14 out of 36 emi's paid )
Sundaram finance creta car loan , 9 months old - 9630 every month 10th ( loan sanctioned on 01/09/2025 ) ( till march, 2031 to pay )
Kerala bank msme loan , 24 plus months old - 4250 every month 14th ( loan sanction date is 15/04/2024 , 136 k more principal to pay )
Sbi personal loan ( pre - approved and taken on 14/11/2023 ) , 29 months old - 6792 every month 15th ( 46 k around to pay )
Muthoot gold loan - 31600 availed on 13/02/2026 , 29539 more to pay ( interest and part payments payment made on time till now )
Muthoot gold loan - 59300 availed on 08/04/2026 , 59346 more to pay ( interest paid fully as of now )
Thanks in advance