If, for any reason, your CIBIL score is low due to some check Bounce, you can increase your CIBIL score by taking gold loans. You should take small gold loans, for example, 10, 000, 15, 000, or 20, 000. Take two to three gold loans, and these gold loans should also be taken from Muthoot Gold Finance. The reason is, Muthoot Finance updates their customers' loan data to the CIBIL bureau every 6 days. This way, your CIBIL report will grow faster. By increasing your CIBIL score in this way, you will get mortgage loans and home loans at a lower interest rate. If your CIBIL score is above 700, you will get home loans from any nationalized banks, that is, government banks, at a low interest rate of 7.2%. Similarly, you will get mortgage loans also at a lower interest rate, ranging from 9.5% to 10.5%.