Need genuine advice for a ₹1 lakh loan

Hi everyone,
I’m a salaried employee earning ₹25,000/month with a CIBIL score around 616 due to past repayment mistakes. I urgently need ₹1 lakh in cash for a personal emergency, but banks and loan apps are rejecting me.
I’m not asking anyone for money— if anyone can help I’m ready to meet you in Ahmedabad only genuine advice.
Can anyone suggest:
Banks or NBFCs that may consider low CIBIL with a stable salary?
Salary-based loan options?
Any legal way to improve my chances?
Please don’t suggest scams or agents asking for advance fees.
Any genuine advice would really help. Thank you.