"Rejected." That is the message you will see when you apply for your first Personal Loan or Credit Card if you have no CIBIL score. In India, "No Credit History" is almost as bad as "Bad Credit History." Whether you want to buy an iPhone on EMI, get a bike loan, or apply for a Premium Credit Card, you need a CIBIL score of 750 or higher . But how do you build a score if no bank will give you a loan? This is the classic "Chicken and Egg" problem. Fortunately, in 2025, there are 3 guaranteed ways to build a perfect score without having a job or salary slip. 1. The "FD-Backed" Credit Card (The Golden Ticket) This is the fastest way to build a score from scratch (0 to 750). How it works: You give the bank a small Fixed Deposit (e.g., ₹2,000 or ₹5,000). In return, they give you a Credit Card with a limit of 90% of your deposit. Why banks love it: Since they have your deposit, there is zero risk for them. Best Cards for this: IDFC First WOW...
In 2025, your college degree is not enough. Companies are looking for skills. But as students, we can't afford expensive courses on Coursera or Udemy that cost ₹3,000 or ₹5,000.
The good news? The biggest tech giants in the world—Google, Microsoft, and Harvard—offer professional courses for FREE. And yes, they give you a certificate that you can put on your CV or LinkedIn profile.
Today, I am sharing the top 5 free courses that will help you get a job.
1. Google Digital Garage (Digital Marketing)
This is the "Gold Standard" for beginners.
What you learn: SEO, Social Media Marketing, and Email Strategy.
Duration: 40 Hours (Self-paced).
Certificate: Yes, a recognized certificate from Google.
Cost: ₹0.
2. Microsoft Excel for Beginners (Udemy Free Section)
Every job—whether it is a Bank PO, CA, or Engineer—requires Excel skills.
How to find it: Go to Udemy and filter for "Price: Free."
What you learn: Pivot tables, VLOOKUP, and managing data.
Why do it: Mentioning "Advanced Excel" on your resume instantly makes you more hireable.
3. CS50 by Harvard University (Introduction to Computer Science)
Want to learn coding but don't know where to start?
Platform: edX.org
What you learn: The basics of C, Python, SQL, and how computers think.
Value: You get to say you studied a course from Harvard University.
Cost: The course is free (You have to pay only if you want the verified certificate, but the knowledge is free).
4. Tata Strive (TCS iON)
Tata Consultancy Services (TCS) offers a free career-edge course.
Course Name: TCS iON Career Edge.
What you learn: Communication skills, presentation skills, and email etiquette (how to write professional emails).
Certificate: Yes, digital certificate from TCS.
5. Great Learning Academy (Data Science & Python)
Data Science is the highest-paying job in 2025.
What they offer: 2-hour crash courses in Python, Data Science, and AI.
Certificate: Yes, you get a certificate of completion instantly after passing a small quiz.
Cost: Lifetime free.
Conclusion
Stop wasting your internet data on Reels. Spend 1 hour a day on these courses. By next month, you will have 5 new certificates to show on your LinkedIn profile.
Want to earn money while you study?
Check out my guide: 👉
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