New Delhi, March 17 -- In India, there is much emphasis on maintaining a good credit score to obtain loans and credit cards. However, it's challenging for many people to build their credit history if they don't possess a credit card.

The best part for all such cases is that there are a number of effective means through which you can establish a good credit score without credit cards. On a fundamental level it is important to maintain a healthy credit utilisation ratio. Here are 5 easy ways through which you can establish a credit profile and a good credit score without a credit card:

The easiest way of possessing a credit score even without a credit card is to take a small loan from a bank or a Non-Banking Financial Company (NBFC).

Baj...