When it comes to diagnosing a problem with a film photograph, you have to go back to the negative. Many things can change during the printing process (traditional darkroom) or scanning process, or even the scan -> print process. Because of that, if there is a problem to address, it needs to be addressed at the negative.
But, lets assume that:
- The film was developed properly
- The film was scanned properly
If this is the case, then the problem is severe underexposure. Color negative film has a muddy gray look to it when even slightly underexposed...this image is noisy, muddy, lacks contrast and clarity...all signs of underexposure.
If you look at the negative and that negative is "thin", then this confirms severe underexposure.
Why your image is underexposed is another issue with a lot of potential culprits - but the most common is user error followed by faulty metering. Make sure that you are using new, properly stored film, that your camera's light meter works and you know how to use it. Then, with color negative film, err on the side of caution by overexposing all of your shots by +1 f/stop. Color-negative film was designed to handle severe overexposure with ease so give it some light!