I have a personal loan from city fonancial,during 16 months there are 9 bounces(3 times both presentatonns and 3 times single presentation) but a cleared all bounce charges this month and all emi so now I will pay all payment in time so will I be able to get my home loan after 3 years and what should I do yo to improve my credit rating.

The only real sure fire way of improving your credit rating is to ensure ALL of your payments are made in a timely manner and that you don't over stretch yourself with other credit commitments.