Well, it seems that building a credit score from scratch is like a catch-22. How can I establish credibility quickly without taking on unnecessary debt? I want to build a strong profile for the future, but I’m terrified of making a mistake that will be hard to fix later.

Hi.

I recently got to know about the Kisan Vikas Patra (KVP). Is it worth it to invest in it? What are the current interest rates and maturity periods? Are there any tax advantages for me in it?