Caution: Your score of 685 makes you a 'Risky Borrower' to banks.

Big banks (SBI/HDFC) may reject your application or ask for a high interest rate (16%+).

• Add a Co-applicant: Adding a spouse or parent with a 750+ score can help you get approved instantly at lower rates.
• Look at NBFCs: Companies like Bajaj Finance, Tata Capital, or Aditya Birla are more lenient with scores in the 650 range, though rates will be higher.
• Don't Apply Blindly: Use an eligibility checker tool first. A hard rejection now could push you into the 'Poor' category.