Hlo ji appke cibil score kuch jyda hee kaam hai, government employee honese kuch nhi hogaa, lekin app secured loan sakte hoo , matlab app loan against gold or property..
Cibil score increase hone me ktna time lge ga 6 months minimum, get a fd backed CC and use it 30 % of credit limit, pay used limit before due date , eventually it will increase your cibil score , agar unsecured keliye appy karetho reject hoga..
