"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...
Finding a good laptop on a student budget is hard. You want something fast enough for assignments, coding, and maybe some light gaming, but most "good" laptops cost ₹50,000+.
However, if you know where to look, you can find machines that offer great performance without breaking the bank. Whether you are an Arts, Commerce, or Engineering student, here are the top 5 laptops under ₹30k that offer the best value for money in 2025.
1. ASUS Vivobook 15 (Best All-Rounder)
ASUS rules the budget market right now.
Specs: Usually comes with Intel i3 (11th/12th Gen) or Ryzen 3.
Why for Students: It is slim, lightweight, and looks very premium. The keyboard is comfortable for typing long assignments.
Price: Often drops to ₹28,000 during sales.
2. HP 15s (The Reliable Choice)
If you want a brand that lasts for 4 years of college, go with HP.
Display: It has a great Anti-Glare screen, which is good for your eyes during late-night study sessions.
Battery: Excellent battery life (usually 6-7 hours) and supports fast charging.
Service: HP has service centers in almost every city in India.
3. Acer Extensa 15 (Best Performance)
Acer often gives you better specs for a lower price.
Performance: You can often find this with 8GB RAM and 512GB SSD, which makes it very fast for opening apps and browsing.
Design: It is a bit plain looking, but it is built like a tank.
Best for: Students who care about speed more than looks.
4. Lenovo IdeaPad Slim 3
A favorite among coding beginners.
Build: Very sturdy and durable.
Audio: Has Dolby Audio speakers, making it great for watching movies in your hostel room.
Privacy: Comes with a physical camera shutter (so no one can spy on you).
5. Infinix INBook Y1 Plus (The New King)
Infinix is a newer brand (like Xiaomi was for phones), but they are disrupting the laptop market.
The Shock: They offer a Full HD Display, Metal Body, and Backlit Keyboard for under ₹30k. No other brand gives this.
Risk: Service center network is smaller than HP/Dell, but the value is unbeatable.
Conclusion: How to Buy Smart
Never buy a laptop at MRP.
Wait for the Amazon/Flipkart sale.
Use your bank card for an instant 10% discount.
Crucial Step: Check if you can get a Student Discount.
Wait, you don't know how to get a Student Discount?
I wrote a full guide on how to save money on electronics here:
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