I would suggest, CIBIL Credit Score below 750, will face difficulties in getting personal loans by any banks and NBFCs at normal interest rates. Poor credit scores highlights the risks with future loans, for that you need to improve your credit score.
If your bank rejects your application, it makes your credit score go down. In such a case you can talk to the bank, where you are using its services for couple of years. Sometimes the branch managers consider your loan application based on the relationship and past records of the bank. Similarly, if you can repay the loans on time this adds value to credit score.
You can use your Fixed Deposit to get a personal loan. The amount of loan can be equal to the amount you have in your FD. Suggestion is that it is better not to use your property and asset. If you are unfortunate then there are chances you ruin your assets and properties. Then your bank will not follow mercy to grab your assets.