"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 TCS—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. If you want to put a Google Logo on your resume, start here.
Course Name: Fundamentals of Digital Marketing.
What you learn: SEO, Social Media Strategy, and Email Marketing.
Duration: 40 Hours (Self-paced).
Certificate: Yes, you get a globally recognized certificate from Google & IAB Europe for free.
Cost: ₹0.
2. Microsoft Learn (Student Hub)
Microsoft usually charges for exams, but they have a special section for students.
The Trick: Join the "Microsoft Cloud Skills Challenge" or sign up for the Student Hub.
What you learn: AI Fundamentals, Azure Data, and Power Platform.
Benefit: If you complete their learning path challenges, they often give you a 100% Discount Voucher to take the official Microsoft Certification Exam for free.
Alternative: You can also earn free "Digital Badges" instantly on their site to show on LinkedIn.
3. TCS iON Career Edge (Young Professional)
For Indian students, a certificate from Tata Consultancy Services (TCS) is a huge trust signal for employers.
Course Name: TCS iON Career Edge – Young Professional.
Duration: 15 Days (2 hours/day).
What you learn: Communication skills, how to write professional emails, and interview preparation.
Certificate: Yes, a verifiable digital certificate from TCS.
4. Great Learning Academy (Data Science & Python)
Data Science is the highest-paying job in 2025. You don't need to pay for basics.
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.
Why it's good: Perfect for beginners who want to test if they like coding before spending money.
5. HubSpot Academy (Social Media Marketing)
If you want to work in marketing or become a freelancer, this is the best free resource.
What you learn: How to grow on Instagram, Content Strategy, and Inbound Marketing.
Certificate: Yes, highly respected in the marketing industry.
Cost: 100% 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, and you won't have spent a single rupee.
Want to earn money while you study?
Check out my guide: 👉
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