I have 2 loans. One I am paying on time correctly. Another one I am paying partially.
How it will affect my CIBIL Credit score?.
It will impact your score negatively. The score looks at all the Loans. There should be moderate amount and number of loans. The another aspect is ALL loans should be paid ON-TIME and in FULL.
If you are paying partly on one loan, it will drag the overall score down. By how much would depend on the loan amount and the time it is over due.
It would be best if you talk to your bank and ask them to re-amortize to a lower amount and longer duration. This would then start to improve the score.