Based on the facts you have stated, you are eligible to apply for an OBC Non-Creamy Layer certificate for Central Government jobs, and there is no legal bar in your case.
For Central Government OBC–NCL determination, the law is very clear that only the income and status of the parents are relevant, not the income of the applicant. Your annual income of ₹25 lakh is therefore irrelevant for deciding creamy layer status. Similarly, the fact that your name does not appear on your parents’ ration card has no bearing on eligibility.
The ₹8 lakh limit applies only to parents’ income from sources other than salary and agriculture. Salary income and agricultural income of parents are expressly excluded while calculating the creamy layer limit. Income from business, profession, interest, rent or other non-salary sources alone is taken into account. Since you have stated that your parents’ total annual income from all sources is only ₹1 lakh, it is well below the prescribed limit, even assuming it is entirely from non-salary sources.
Your ownership of a second-hand car worth ₹1 lakh and property in your own name does not affect your eligibility. Asset ownership is not a criterion for OBC Non-Creamy Layer; it is relevant only for EWS category and not for OBC reservations.
Creamy layer status is determined automatically only in cases where either parent is a Group A government officer, or both parents are Group B officers, or where a parent holds a constitutional or high statutory post. If none of these conditions apply to your parents, income criteria alone governs eligibility. From what you have stated, no such disqualification exists.
Accordingly, you should declare only your parents’ income in the OBC–NCL application meant for Central Government employment. You should not include your own income. If any local authority insists on adding your income, you may clarify that you are applying under Central Government OBC Non-Creamy Layer norms, which are governed by DoPT guidelines and not state-specific rules.