How to build a credit score from zero?

To build a credit score from zero in India, the most effective way is to start with a secured credit card issued against a Fixed Deposit. Since you have no prior credit history, banks use the deposit as collateral. Additionally, you can apply for a small consumer durable loan or become an add-on card member on a family member's account. Always pay your bills in full and on time, as repayment history is the most critical factor for bureaus like CIBIL. Maintain low credit utilization and avoid frequent loan applications to build a strong score.