Realised the importance of even 1 point in CIBIL score today

I'm looking to take a home loan soon. Explored a lot of banks and finally came across union Bank offering the lowest rates.

However they give 8.1% to people with score of 800 & above and 8.2% to people with score between 750-799.

And guess what's my score! 799 😭

Any tips on increasing it?

Have been paying on time since 2016, just 1 late payment in 2018. No open loans. ~25L Total credit limit across cards. Utilisation is always around 5% & might have gone to 10-15% at best.