6 factors including salary, employment status have no bearing on it

Let us suppose, a Delhi-based school teacher Ajay Misha teaches in a private school as a middle school teacher for a paltry salary. He hails from a small village in UP but shifted to Delhi a couple of  years ago. 

His low salary and employment with a private school have no bearing whatsoever on his credit score which may still be high so long as he is regular in his credit card payment. 

Some factors which do not affect your CIBIL score:

Income level: Your income level does not directly affect your CIBIL score. However, it indirectly influences your creditworthiness as lenders assess your ability to repay loans based on your income.

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Employment status: Whether you are employed, self-employed, or unemployed, it does not directly affect your CIBIL score. However, your employment status might impact your ability to obtain credit.

Savings: Details about your savings accounts, investments, or assets are not considered in calculating your CIBIL score.

Insurance policies: Having or not having insurance policies, such as life insurance, health insurance, or car insurance, does not influence your CIBIL score.

Utility bills: Payment of utility bills such as electricity, water, or gas bills typically does not impact your credit score unless they are in default and referred to a collection agency.

Social media activity: Your social media presence, activities, or behaviour do not affect your CIBIL score.

It is vital to note that while these factors do not directly impact your CIBIL score, they may still be considered by lenders when evaluating your creditworthiness through other means. 

Your credit score is essentially based on these factors: credit history, repayment behaviour, credit utilisation, debts, and other financial factors.