Hey!
It's never late to start. Also, you can attempt upsc from 21-32 years (age limit). If you start now, and doesn't succeed, don't worry keep working on your skills, knowledge, never give up and in next years you will crack that. Keep reading some real life motivational stories or watch motivational videos, this will give you confidence. And, as you said you are scared about exams such as cet, keep calm and remember that from the age of 6,you are giving exams every year and there is nothing new now in exams. Keep practicing, this will help you.
To know more about upsc, kindly visit the link given below
https://www.google.com/amp/s/competition.careers360.com/articles/upsc-ias/amp
Good Luck
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