If you are first time loan applicant, without a CIBIL score, then choose to apply to a bank or a NBFC with whom having a CIBIL score is not mandatory. (yourloanadvisors.com)
Take a few minutes and read about several of the popular first time loan programs below: (firsttimehomefinancing.com)
ICICI Bank offers the facility of a Personal Loan to first time loan applicants & to customers with a credit history. (yourloanadvisors.com)