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A couple of months back, a colleague went to our salary account bank to apply for a personal loan. He was rejected. The reason he was given astounded me - that you have not taken any loans/Credit Card's in the past & hence your Cibil score is low - so, you are not eligible for a loan.
What to do to build the CIBIL Score?
First thing is to check your CIBIL Credit Report and find out whether all your details are correct.
Check these threads-
how to improve my cibil score?
No Credit Score in CIBIL - how to get loan/credit card
Yes, To build your credit score take credit card from any bank, make payments regularly so that you can build good credit score
Never default your credit card bills or loan EMI. Pay them without fail and within a specified period.