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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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About Us - Welcome to DailyWealthTips.in

Namaste and Welcome!

If you are a student, a young professional, or just someone looking to make sense of your money in India, you have come to the right place.

Who Am I? My name is Arjun Devkatte, and like many of you, I am a student navigating the competitive world of exams and finances.

I started DailyWealthTips.in with a single goal: To decode the complex world of finance for the common Indian student.

In school and college, we are taught history and science, but no one teaches us how to save pocket money, which apps actually pay real cash, or how to apply for government scholarships.

What You Will Find Here: I don't believe in boring financial jargon. On this blog, I write simple, practical guides on:

  • Legit Earning Methods: Apps and side hustles that actually work in India (No scams).

  • Student Savings: How to manage your monthly budget while living in a hostel or PG.

  • Banking & Schemes: Unlocking government benefits and understanding banking hacks.

  • Smart Investing: How to start small with just ₹100 or ₹500.

My Promise: Every article on this site is researched and tested. If I recommend an app, it’s because I have checked it myself. I believe in honest, transparent advice.

Thank you for being part of this journey. Let’s build a wealthier future together.

Connect With Me: Have a question or a topic request? Email me at: devkattearjun201@gmail.com 

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