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Fin Shorts| May 22, 2025

After Paying All Debts How Long Does Cibil Take To Update The Score?

After you clear all outstanding debts, CIBIL Socre is  updates y in the regular monthly cycle—usually within 30–45 days.

  • Lender Reporting: Banks and NBFCs submit your repayment data by the 4th working day of each month.
  • Score Refresh: CIBIL processes and publishes updated scores around the 10th of every month.
  • Timing Impact:
    • If you pay before the 4th, your clean status shows up around the 10th (≈ 7 days later).
    • If you pay after the 4th, it appears in the next month’s cycle (≈ 30–45 days total).
  • Weekend/Holiday Delays: If the 10th falls on a non-working day, updates may slip by 1–2 days.
  • Action Tip: Verify your report after each 10th to confirm that repayments are reflected accurately.

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