Issues with urine and creatine is 0. 90.

I am 32 years old Female with a creatine 0.90 and trace protein in blood. My H1b is 4.5 and my fasting is 102... i was detected with some renal concretions a few months back. I generally have severe pain in my lower abdomen and back in every one- two months. It effects my urination also like frequent urination and cloudy too. Sometimes i have feelin of heaviness in my obdomen and after I pee it's less but feels like I need to pee again. I take urikind km sachet and I feel fine. But this is recurring. My urine test shows puss cells 2-3, epthelial cells 1-2 and no rbc cells and protein is trace. Pl suggest next steps, is it the renal concretions, UTI or some kidney damage. I smoke on weekly basis and don't have a very active lifestyle. My Height is 5.6 and weight is 67.5 and hb is 10.80.