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Calculator
The share of your card limits you are using, per card and combined — and what it takes to reach a target you set yourself.
Card 1
Card 2
Card 3 (leave the limit at ₹0 if you only have two)
A target you choose, not a rule. No bureau publishes a safe threshold — CIBIL's guidance is only that high utilisation “may negatively impact” a score.
Overall utilisation
31.3%
₹47,000 used of ₹1,50,000 available
Hover a segment for value + share.
To reach 30% (a balance of ₹45,000), pay down ₹2,000 across these cards.
Per card
Utilisation is one of the inputs bureaus name — CIBIL lists high credit utilisation among its four key factors — but no bureau publishes a weighting or a cut-off, so nothing here predicts a score change. The maths is balance ÷ limit, per card and combined.
Three cards with ₹1,00,000, ₹50,000 and ₹0 limits and outstanding balances of ₹35,000 and ₹12,000 give an overall utilisation of about 31.3% — ₹47,000 used of ₹1,50,000 available. Enter your own limits and balances to see the per-card and combined figure, plus the paydown that would bring the total to a target you set.
Utilisation is the outstanding balance divided by the sanctioned limit, calculated for each card and then for the total (total outstanding ÷ total limit). The target balance is the target percentage applied to your total limit, and the paydown is the difference between today's total outstanding and that target balance, floored at zero. Cards entered with a zero limit are excluded from the totals rather than counted as fully utilised.
You enter your own balances and limits; nothing is fetched from a bureau, and no data leaves the browser. The target utilisation is a planning figure you choose — no bureau publishes a safe threshold, and this tool does not predict a score change.
No Indian bureau publishes a threshold. CIBIL names high credit utilisation as one of the four key factors behind a score and says it may negatively impact it, but it does not say at what ratio. The default 30% here is a planning target you can change, not a rule.
Both are informative. The total shows how much of your available credit you are using overall; a single card running close to its own limit can matter on its own even when the total looks modest. This calculator shows both.
Lenders report the balance they see on their own reporting cycle, so when you pay can change which balance gets reported. RBI's reporting regime runs on four reference dates a month, so a mid-cycle payment is more likely to be reflected than it was under monthly reporting.
The balance exceeds the sanctioned limit, which is a utilisation figure above 100% and usually also triggers an over-limit fee from the issuer. The calculator flags those cards separately.
CIBIL names high credit utilisation among its four key factors behind a score, and Experian lists credit utilisation among its inputs. Neither publishes a weighting or a cut-off, so treat the number as a signal you can control rather than a threshold you must pass. The arithmetic is simply balance ÷ limit.