Wait for 7 months more… And use secure one less than 30 % every month… Pay on time…
And go for a co branded, and the co branded app use regularly for 6 months…
Then apply for a unsecured in March 24 … You will definitely received one .
( And also check your bank report on which credit credit bureau , if you see they don’t report any perticular bureau then apply for one other secure who reported the bureau.
And please use same Mobile number, email ID and address all time.)
And yes you can file your ITR in this month… Select as a self employed and select agriculture as a business 
)