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Blog #2: Does CIBIL Score Really Matter? A Hidden fact about Loan.

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                                             What is a CIBIL Score? A CIBIL score is a three-digit number ranging from 300 to 900 that represents an individual's creditworthiness . It is generated by TransUnion CIBIL , one of India's major credit bureaus , based on an individual’s credit history, repayment behavior, and financial habits . A higher CIBIL score increases the likelihood of obtaining loans and credit cards at good terms . Credit Score Range: Category Score Range Excellent 801-900 Very Good 761-800 Good 701-760 Average 601-700 Needs Help 300-600 Source: Paisabazaar Why is CIBIL Score Important? Loan and Credit Card Approval – Banks and financial institutions use the CIBIL score to assess risk before app...

Blog#1: Is a Sustainable Future Rooted in the Circular Economy?

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     Audio on circular economy   Is a Sustainable Future Rooted in the Circular Economy? (A)         Introduction: What is a Circular Economy? In a world where resources are depleting at an alarming rate, the circular economy emerges as a revolutionary model to ensure sustainability and long-term economic stability. Unlike the traditional linear economy (take-make-dispose), the circular economy focuses on reduce, reuse, and recycle , promoting efficient resource utilization. " The circular economy is not just about waste management; it’s about redesigning systems for sustainability." (B) The circular economy operates on three key principles . The first principle is Eliminating Waste and Pollution , which focuses on designing out waste at the production level by using biodegradable or recyclable materials such as cotton bags. It also involves preventing pollution by adopting sustainable production methods, such as utilizing re...