Why credit score may not rise right after paying off a personal loan?

Borrowers should not expect their CIBIL Score to rise immediately after fully repaying a personal loan, as per Livemint. CIBIL says lenders generally provide account information within 30-45 days, so the report may initially show the previous outstanding balance or active status. Borrowers should obtain a loan closure letter/no dues certificate and check their credit report after sufficient time.