India is a sunshine country but why the people here are vitamin D deficient?
The CIBIL score (Credit Information Bureau (India) Limited score) is a three-digit number that represents an individual's creditworthiness. It is calculated based on the data in the individual's credit report. Here's a detailed breakdown of how the CIBIL score is calculated: 1. Components of CIBIL SRead more
The CIBIL score (Credit Information Bureau (India) Limited score) is a three-digit number that represents an individual’s creditworthiness. It is calculated based on the data in the individual’s credit report. Here’s a detailed breakdown of how the CIBIL score is calculated:
1. Components of CIBIL Score
The CIBIL score is typically influenced by the following factors:
A. Payment History (35%)
Timely repayment of loans and credit card bills positively impacts the score.
Delayed payments, defaults, or settlements reduce the score.
B. Credit Utilization (30%)
The proportion of credit used compared to the total credit limit.
High utilization indicates dependency on credit, which negatively affects the score.
C. Credit Mix and Duration (25%)
The diversity of credit accounts (secured loans like home/car loans and unsecured loans like credit cards/personal loans) improves the score.
Longer credit history with consistent repayment behavior increases the score.
D. Number of Hard Inquiries (10%)
Frequent applications for loans or credit cards result in hard inquiries by lenders, which can lower the score.
Multiple inquiries in a short period signal credit hunger, affecting the score negatively.
2. Key Metrics in Credit Report
Account Age: Older credit accounts demonstrate long-term financial reliability.
Debt-to-Income Ratio: Lower ratios indicate better financial health.
Negative Records: Loan defaults, write-offs, or bankruptcies have a significant adverse impact.
3. Weightage of Factors
Payment history holds the highest weightage, reflecting your reliability in repaying debts.
A balanced mix of secured and unsecured credit and a longer credit history contribute significantly to a high score.
4. Score Range
300–549: Poor (Credit applications are usually denied).
550–649: Average (Higher chances of loan rejection).
650–749: Good (Eligible for loans, but at higher interest rates).
750–900: Excellent (Easily approved for loans with favorable terms).
How to Monitor Your CIBIL Score?
Obtain a free annual CIBIL report from the CIBIL website or authorized financial institutions.
Regularly monitor for discrepancies or errors in your credit report and report them for rectification.
By maintaining a disciplined financial approach—timely payments, low credit utilization, and a good credit mix—you can ensure a healthy CIBIL score.
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Yes, India is a sunshine-rich country, but a significant portion of the population is vitamin D deficient. This paradox can be attributed to several factors: 1. Lifestyle Choices Urbanization and Indoor Lifestyle: Many people, especially in urban areas, spend most of their time indoors, limiting expRead more
Yes, India is a sunshine-rich country, but a significant portion of the population is vitamin D deficient. This paradox can be attributed to several factors:
1. Lifestyle Choices
Urbanization and Indoor Lifestyle: Many people, especially in urban areas, spend most of their time indoors, limiting exposure to sunlight.
Use of Sunscreen and Clothing: Sunscreen and full-body covering clothing reduce skin exposure to UVB rays needed for vitamin D synthesis.
2. Dietary Habits
Lack of Fortified Foods: Traditional Indian diets are not typically rich in vitamin D, and fortification of foods like milk is not widespread.
Low Consumption of Animal Products: Many Indians follow vegetarian diets, which may lack natural sources of vitamin D like fatty fish, egg yolks, and liver.
3. Cultural Practices
Skin Coverage for Modesty: Cultural norms often involve wearing clothing that covers most of the skin, reducing sun exposure.
4. Geographical Factors
Pollution: High levels of air pollution in many Indian cities block UVB rays, reducing their effectiveness for vitamin D production.
Latitude: While India gets ample sunlight, regions farther from the equator might not have sufficient UVB rays during certain times of the year.
5. Skin Pigmentation
Melanin Content: Indian skin generally has higher melanin, which reduces the skin’s ability to produce vitamin D from sunlight.
6. Health Awareness
Lack of Awareness: Many people are unaware of the importance of vitamin D and the need for direct sunlight exposure.
Focus on Fair Skin: Cultural preferences for fair skin discourage sun exposure.
Addressing the Issue
Regular Sun Exposure: Spending 15–30 minutes in sunlight daily, especially in the morning or late afternoon, can help.
Dietary Changes: Including fortified foods and vitamin D-rich sources like mushrooms and fortified milk.
Supplements: In cases of severe deficiency, vitamin D supplements prescribed by healthcare providers can be effective.
Raising awareness about these factors can help reduce vitamin D deficiency despite abundant sunlight in India.
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