Daily Wealth Tips

"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, a degree gets you an interview, but a Skill gets you the job. The world has changed. Companies like Google, Tesla, and even Indian startups don't care about your marks as much as they care about what you can build . If you want to earn ₹50,000+ per month while still in college, stop memorizing textbooks and start learning one of these 5 High-Income Skills. 1. Video Editing Content is King, but Video is the Emperor. The Demand: Every YouTuber, Instagram Influencer, and Business needs video editors for Reels and Shorts. Potential Pay: Beginners charge ₹500 to ₹1,000 per Reel . Professionals charge ₹50,000 per month for managing a channel. Tools to Learn: Premiere Pro (Advanced) or CapCut (Mobile). 2. Copywriting Can you write words that sell? What is it? Writing text for ads, websites, and emails that convinces people to buy. Why it pays: If your words help a company make ₹1 Lakh, they will happily pay you ₹10,000. How to start: Read books on psychology and marketing....

The biggest catch-22 for students is: "To get a job, you need experience. But to get experience, you need a job." When you sit down to write your first Resume or CV, the page looks scary and empty. You haven't worked at a company yet, so what do you write? The secret is: Employers hire students for potential, not history. Here is how to fill your resume and get hired in 2025, even if you are a fresher. 1. Focus on "Projects," Not "Jobs" If you don't have job experience, show your work experience. What to write: Did you organize a college fest? Did you build a small website? Did you volunteer at an NGO? Why it matters: It proves you have leadership and management skills, even without a formal salary. 2. Add Certifications (The Cheat Code) This is the easiest way to fill the empty space. Strategy: Complete free online courses from Google or Microsoft. Adding "Google Certified Digital Marketer" looks much better than a blank space. Wher...

If you want to earn money online, start a YouTube channel, or open a bank account, you need one document: The PAN Card. Many students think they need to be 18+ or have a job to get one. That is a myth. Even a student can get a PAN card. And the best part? You don't need to pay an agent ₹300 or ₹500. You can apply from your phone for just ₹107 . Here is the step-by-step guide to getting your PAN card delivered to your hostel or home. 1. Why Do You Need It? To Receive Money: Apps like Upstox, Google AdSense, and Internshala will not pay you without a PAN number. To Open Bank Accounts: Mandatory for most Zero Balance accounts. Tax Refunds: To claim money back from the government. 2. Documents Required Keep these ready as scanned photos (or use Adobe Scan app): Aadhaar Card (Address & ID Proof). Passport Size Photo (Soft copy). Signature (Sign on white paper and take a photo). 3. The Application Process (NSDL) Don't use fake apps. Use the official government portal. Go t...