NTC (New to Credit) (क्रेडिट में नए (एनटीसी))
New to Credit means you have never taken a loan or credit card, so credit bureaus have no history on you and cannot compute a normal score. Lenders assess NTC borrowers on income, banking behaviour and alternate data instead, often starting with smaller amounts.
Worked example
A 24-year-old earning ₹28,000 a month with no credit history applies: CIBIL returns "NA/NH" instead of a score. A lender may approve a smaller first loan, say ₹10,000, and repaying it on time starts building the score.