How to get a loan without CIBIL?

To obtain a loan without a CIBIL score, you can explore options such as applying with a guarantor who has a strong credit history, requesting a smaller loan amount, or applying for a collateral-based loan like a gold loan. Lenders may also consider your income proof to assess your repayment capability if you are new to credit. Be aware that loans without a CIBIL score may come with a higher rate of interest.