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How to Build a 750+ CIBIL Score from Zero (Step-by-Step Guide for Students 2025)

"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...
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How Students Are Earning ₹500 Daily Using This "Secret" App (No Investment)

Let's be real. As students in India, we are almost always broke. We want to buy new books, pay for exam forms, or just have some extra cash for a trip, but asking parents for money feels wrong after a certain age.

I was in the same boat until I found a method that actually works. I isn't talking about "filling surveys" for ₹2 or "watching ads." I am talking about a legitimate, government-regulated method that is helping Indian students earn ₹500 to ₹1,000 per day with zero investment.

Today, I am welcoming you to DailyWealthTips.in, and for my first post, I am sharing the #1 secret that is working right now.

The "Secret" Method: Refer and Earn You might have seen ads for investment apps like Upstox during IPL matches. They are India’s biggest stock brokers, backed by huge investors (like Ratan Tata).

Instead of paying crores to TV channels for ads, they prefer to pay you to invite new users.

  • The Offer: They pay ₹300 to ₹700 for every single friend you invite.

  • The Best Part: The money comes directly to your bank account. It is real cash, not "points."

Step-by-Step Guide to Earn ₹1,500 Today:

Step 1: Create Your Free Account To get your own referral link, you first need to be a user. It is 100% free for students to join. 👉  https://upstox.onelink.me/0H1s/FU9419

(Note: You will need your Aadhaar linked to your mobile number for KYC. This is mandatory by SEBI for safety).

Step 2: Get Your Link Once your account is active (usually within 2-4 hours), open the app. Go to the "Account" or "Profile" section and look for the "Refer & Earn" tab. Copy that link.

Step 3: The "Roommate Strategy" (How to Earn Fast) Do not just spam your link on Facebook. That never works. Instead, use this smart trick:

  1. Go to your roommate, cousin, or best friend.

  2. Tell them honestly: "Bhai, open this free account using my link. I need one referral to win a contest/bonus, and it costs you nothing."

  3. Help them complete the KYC process.

  4. BOOM: Within 24 hours, you will see ₹500 credited to your account.

Step 4: Repeat If you do this with just 3 friends, you make ₹1,500. That is enough for your monthly mobile recharge, snacks, and even a new book!

Is It Safe? Yes. These are SEBI-registered companies. Your data is secure, and you are not paying a single rupee to join.

Conclusion Stop scrolling Instagram reels and start earning. This offer changes frequently, so I recommend you start today before they reduce the amount.

Ready to start? 👉 https://upstox.onelink.me/0H1s/FU9419

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