"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...
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.
Where to get them: There are many free resources available online.
3. Highlight "Soft Skills"
Companies can teach you technical work, but they can't teach you attitude.
List these skills: Communication, Time Management, Teamwork, and adaptability.
Pro Tip: Don't just list them; give an example. (e.g., "Teamwork: Led a team of 5 for the college debate competition").
4. Use Professional Templates (Don't use Word)
A black-and-white Word document looks boring.
Use Canva: Go to Canva.com and search for "Student Resume."
Use Novoresume: They have specific templates for freshers that look very modern and clean.
Rule: Keep it to One Page. No recruiter reads page 2.
5. The "Summary" Section
This is the top 2 lines of your resume.
Bad: "Looking for a job."
Good: "Motivated B.Com student with a passion for finance and data analysis. Looking to apply my Excel skills to help [Company Name] grow."
Conclusion
Your resume is your marketing brochure. Don't lie on it, but don't be shy either. You have more skills than you think. Build that CV and start applying!
Need certificates to fill your Resume?
I have listed the best ones here: 👉
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