Hello Access Indians,

My name is Yusuf, and I am from Mumbai. I am currently working in a private
sector job with a minimum salary. From the past 5–6 months, I have been
trying to apply for different types of loans, but unfortunately I have not
received a single approved offer till now.

I mainly need a personal loan. When I saw that personal loan is not getting
approved, I also tried material loans. Recently I even visited a mobile
shop to buy a phone on finance. For background, I have never taken any loan
before in my life, so there is no CIBIL or credit score in my name.

Government banks are not ready to give me a loan due to my current CTC, and
private finance companies are offering very small amounts, or some
executives are rejecting me because of my disability, maybe due to lack of
awareness.

I have been searching for 7–8 months continuously but no proper solution is
coming.

I request all members, especially anyone from the financial field, to
please guide me. From where can I borrow the required loan amount with my
basic salary? Any suggestions or proper direction will be very helpful for
me.

Thank you in advance for your support.

Regards,
Yusuf

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