Big move from the RBI in 2025: your credit score will now reflect your payments almost instantly, not weeks later. If you’ve ever waited for a loan clearance or credit card limit update to show up in your report — this is for you.
Timeline of Change
| Period | Update Frequency | When It Shows in Your Score |
|---|---|---|
| Before 2025 | Monthly | After 30–45 days |
| From Jan 2025 | Fortnightly | Within 7–10 days |
| Now (July 2025 →) | Real-Time (rolling out) | Same day or next  |
As confirmed by RBI Deputy Governor M. Rajeshwar Rao, the move to real-time credit reporting is aimed at making the system more responsive and borrower-friendly.
Why It Matters
Paid your EMI on time? It reflects immediately.
Cleared a loan? That good behavior shows up right away.
Applying for a new credit card or top-up? Lenders see your latest score, not an outdated one.
What You Should Do
- Monitor your credit report more frequently — use apps like CIBIL, OneScore, or CreditMantri.
- Act on disputes faster — errors won’t linger in your profile as long.
- Time your applications better — recent repayments or closures now work in your favor quickly.
My Take
This shift to real-time is long overdue. For anyone who uses credit responsibly, this is a win. No more waiting for your score to catch up with your actions. If you’re strategic about your financial moves, you’ll feel the impact right away — especially when applying for loans, cards, or credit limit increases.