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I have been employed for 4 months and I do not have a credit card nor IT returns yet. I'm applying from Luxembourg embassy. My trip is a week long and I have enough cash in my account to cover my expenses.

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Many factors can play a role and it's difficult to predict the outcome. A longer work history/more stable situation would certainly help. These statistics are already a few years old but in 2012 the refusal rate for application from India across all Schengen member states was 6.1%, which is not bad compared to some other countries but still means there is a non-negligible chance to be refused a visa.

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