"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...
"Active Income" is when you trade time for money (like a job). If you stop working, the money stops. "Passive Income" is when you do the work once, and the money keeps coming for months or years.
As a student, you are busy with classes and exams. You need income sources that don't require you to work 8 hours a day. Here are 7 proven ways to build passive income in India with zero or low investment.
1. Sell Your Old Notes (StudyPool)
If you are a topper who makes neat handwritten notes, you are sitting on a goldmine.
How it works: Scan your notes (Physics, Math, History) and upload them to sites like StudyPool or Notesgen.
The Income: Every time a student downloads your PDF, you get paid. You upload once, but earn 100 times.
2. Affiliate Marketing (The Big One)
This is how most bloggers earn.
The Concept: You share a link to a product (like a Laptop or Book) on Amazon. If someone buys it, Amazon pays you a commission (e.g., 5% to 10%).
How to start: Sign up for Amazon Associates (once you have a blog). Share links in your class WhatsApp group.
3. Print on Demand (Merch)
Are you creative? Can you design a funny slogan like "Engineering Survivor"?
Platform: Use Redbubble or TeeShopper.
Zero Cost: You just upload the design. When a customer buys a T-Shirt, the company prints and ships it. You keep the profit margin.
4. Stock Photography
Do you have a phone with a good camera?
The Income: Take photos of everyday things (Street food, Traffic, nature) and upload them to Shutterstock or Pexels.
Passive: Companies buy these photos for ads. One photo can earn you royalties for years.
5. Create a Faceless YouTube Channel
You don't need to show your face.
Idea: Create "Lofi Music" playlists for studying or "Top 10" fact videos using stock footage.
Monetization: Once you get views, YouTube pays you ad revenue every month forever.
6. Dividend Stocks
This requires a little money (maybe ₹500).
Strategy: Buy shares of companies like ITC or Coal India.
The Passive Part: These companies share their profits with you. Every year, they deposit money directly into your bank account just for holding the share.
7. Referral Programs (The Easiest)
This is the fastest way to start.
Concept: Apps like Upstox or Google Pay pay you to invite friends.
Why it's passive: If you write a blog post about it (like this website!), people will find your link on Google and sign up while you sleep.
Conclusion
Passive income is not "Easy Money." It takes hard work upfront to set up the system. But once it is running, it buys you freedom. Start one of these methods today.
Want to start with Method #7?
Here is the best referral app to earn ₹500 today: 👉
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