Your score of 745 is 'Good' but not 'Premium' yet.
Most private banks will approve your loan, but they might quote a slightly higher rate (12-14%).
Avoid Multiple Applications: Do not apply to 4-5 banks at once. Each rejection will drop your score by ~20 points.
Salary Account Leverage: Your best bet is the bank where your salary is credited. They have your cash flow history and will offer better terms than outsiders.
Improvement Tip: If you can wait 2 months, lower your credit card utilization below 30% to push your score to 750+.
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