can i get personal loan without cibil score

Yes, getting a personal loan without a CIBIL score is challenging but possible in India. Since lenders use the score to assess your creditworthiness, having no history increases their risk. You can improve your approval chances by:

• Applying with a guarantor who has a good credit history.
• Providing strong income proof like salary slips and bank statements.
• Considering a secured loan, such as a Gold Loan, where collateral is pledged.

Be aware that loans approved without a CIBIL history may often carry a higher interest rate.