You don't have a credit history and credit score.

Who will have a Credit Score?
If you have had ever taken a loan (personal, auto, education, home etc.), or if you have got a credit card, or if you have bought products on EMI, you should have a credit history and credit score. When you take loan or credit card, the bank inform CIBIL and CIBIL updates credit details in your credit file. If not, you have no profile/file in CIBIL.

You may or may not get a personal loan. You might get home loan/vehicle loan/credit card etc.
To understand the terms, check this article.