When you plan on availing a loan, you do your research to get the best possible lending option available in the financial market. Comparing multiple lenders and what they have to offer in terms of the loan will give you an idea whether it is the right kind of lending for you. Numerous banks and lending institutions offer a reasonable rate of interest for personal loans. So, you do not have to pay high-interest rates on loan. When choosing the lender, make sure to compare the rates and options offered in the market and opt for the one that works for you. Generally, a reasonable interest rate on loan is one that’s lower than the national average rate, which is 9.41% p.a. Your credit score, debt-to-income ratio and other factors all determine the interest rate for personal loan.

To get low-interest rates on loan, you need to make sure you have a good credit score, less financial liabilities, higher income and no default record in your credit history. However, there are times when loan application might get rejected for some other reasons. Apart from the eligibility criteria of the loan we tend to miss little details when submitting the loan application, that might lead to rejection of your loan.

Eligibility Criteria

There are specific personal loan eligibility criteria that need to be fulfilled to avail a loan. They are as follows:

• To apply for a personal loan the applicant should be between the ages of 23 to 55 years
• If you are an Indian resident you are eligible for a personal loan
• You should be an employed at an MNC, private or a public limited company

Documents Required

The documents required to get a personal loan are as follows-

• KYC documents such as PAN, Aadhaar Card, Driving license, Voter’s ID, Passport
• Bank Statements for the last three months
• Salary slip of the previous two months
• Passport-size Photographs

Unexpected Reasons for Personal Loan Rejection

• Credit Report Errors

Your credit report contains all the financial information of an individual’s past loan repayments and credit cards. Lenders consider your past behaviour along with your present activity to determine your loan repayment intent in the future. Your credit score is an important factor considered by the lenders when availing a personal loan. The lenders make the final decision of granting the loan based on your score. If your credit score is low then there are higher chances of getting your loan application rejected or you may be charged with a high-interest rate on loan. With a good credit score, the lender gets convinced that you will be able to repay the loan on time.

• A signature mismatch can lead to rejection

When you submit the loan documents and application form you need to make sure your signature is the same everywhere. Though it is quite understandable that you are supposed to provide your signature on many forms and documents. There are chances of making a different signature compared to the documents. Hence, you need to make sure the signature is correct to avoid mismatch that may lead to rejection of your loan.

• Absence of NOC (No Objection Certificate)

If you have already closed your previous loan and are planning to get another loan you need to get a NOC from your previous lender. Without a NOC your loan application will get rejected. When you get this certificate it gets reflected in your CIBIL report. If the lenders check your credit history and don’t find a NOC of your previous loan, your application might get rejected. So, make sure to get it from your previous lender before you apply for a new loan.

• Bank’s Loan Default List

If you want to avail a loan and you live in a location or area that falls under a negative zone or falls under the bank’s defaulter list, there are high chances of getting your loan application rejected. Banks and financial institutions have their own record of address, location and other details and if your current location is under the defaulter list or a negative zone there are higher chances of loan rejection.

• Inaccurate information

Since a personal loan is an unsecured type of loan every detail mentioned of a borrower is verified for authenticity. If the lender finds any inaccurate information mentioned in the application form the loan gets rejected. Hence, it is essential to carefully provide accurate information and read the filled up form before submitting it.

Are you planning to get a hair transplant? Do you know which of the two types of Hair Transplant Procedures, namely, Follicular Unit Transplant that is, FUT, and Follicular Unit Extraction that is FUE are better? Do you know the difference between these two methods? Well, it’s not only you, many other patients also have the same question. So in this article, we have views on this topic from two specialists Dr. Manas Jain & Dr. Mohit Srivastava who are working in this field for several years & are known for best in class hair transplant.

Dr. Manas Jain is one of the best hair transplant surgeon in Mysore. In this article he will be explaining the whole hair transplant process & will elaborate the two major procedures of hair transplant.

hairnimages.com, who is established hair transplant surgeon in Surat. In this article, he will be explaining the difference between FUE & FUT & will also guide you to select the best surgeon for hair transplant. This article will help you to make the best decision while selecting the method of hair transplant.

Hair Transplant:

So, let us try to understand what a hair transplant actually is. Basically, a hair transplant is a process where a surgeon extracts your own hair from your donor area and implants it onto the recipient area or bald area. Majorly the back of your scalp is used as the donor area & is also known as the permanent hair zone. The grafts are extracted from this donor area either by the FUT or FUE procedure.

Hair transplant is a costly procedure. But remember, you are spending only once for the treatment as it is a permanent solution to hair loss. Click here to know more about hair transplant cost.

Follicular Unit Transplant (FUT):

In this procedure, a thin strip of 4 to 6 inches is extracted from the donor area which is later divided into 500 to 2000 grafts. The number of grafts required depend upon the level of your baldness, hair type & quality as well. These grafts are then implanted in the recipient area.

Follicular Unit Extraction (FUE):

This is a recent & more advanced method of hair transplant. A surgeon will extract individual hair follicles rather than extracting a strip. The entire scalp is shaved off before the transplant. The surgeon will numb the area & will use a follicle extracting pen, also known as a punch needle to extract individual hair follicles.

Implanting Process:

The implanting process is more or less the same for both methods. Your surgeon will numb the recipient area so that you won’t feel any pain during the process. He then will use a small needle or scalpel to make small slits in your scalp. Hair grafts are then implanted in those slits. Each hair graft contains 2-4 hair. The whole process takes around 6-8 hours to complete. Though it depends upon the number of grafts. Usually, a patient needs 1000-5000 grafts. But the focus here is the quality of grafts, rather than quantity.

Post Surgery:

After the surgery, the scalp is usually very sensitive. Patients will feel some discomfort & pain in the scalp when the anesthesia will start to wear off. Your surgeon may also ask to consume certain medications to manage the post-surgery pain. 2- 3 weeks after the surgery, you will notice hair fall from the recipient area. However, you need not worry as this is a part of the treatment itself. Once the shedding phase is completed, it will take around 6 to 8 months for new hair to grow again.

FUT vs FUE:

Now as we have gone through the surgery process, let’s try to compare the two most common methods of hair transplant that are Follicular Unit Transplant & Follicular Unit Extraction. We can majorly differentiate the two processes on the following basis.

• Scar- As mentioned earlier, in FUT a whole strip is extracted from the back of your scalp, which means it is a more invasive process. As a result, it leaves a permanent visible linear scar on the donor area. But in the case of FUE, it is a more minimally invasive method where one hair follicle or groups of follicles are removed one at a time using a very small instrument. It leaves small circular marks that are recovered within 15-20 days after the surgery.
• Pain- Both these procedures are done under local anesthesia and therefore, patients don’t feel pain during the procedure. However, after the FUT procedures, patients will feel some tension on the scalp due to the removal of a strip. This tension will fade away eventually. The healing time
  

for the FUE method is comparatively less than the FUT method. In fact, the pain felt by a patient during the FUE method is almost negligible. Patients will feel some numbness during the FUT method. But one doesn’t feel such numbness during the FUE method. Patients will face minimal swelling after both procedures. This swelling is common & it reduces in 6 to 8 days.

• Result- It is important to store these grafts safely and properly as well. These grafts are extremely delicate and they dehydrate very quickly. In the FUE procedure, the ratio of yield of these grafts and their survival rate tends to be less comparatively. The survival rate is comparatively higher in the FUT procedure. If these grafts aren’t handled carefully in both of the procedures, then this can damage the healthy hair follicles which will impact the result adversely. The number of grafts getting damaged during storage is less in the FUT procedure.

Selecting The Right Surgeon:

Whatever the extraction method is, the success of a hair transplant depends on various other factors as well. Such as the Surgeon’s experience, skills, and training impact the success rate of the surgery. No matter what procedure you go for, we always suggest looking for an experienced doctor & a clinic where modern facilities are available.

Selecting Right Method:

Both of these procedures can bring you good results. One cannot simply say that only one of these procedures is better than the others. Both these procedures come with their own pros and cons. What method is better for you is something you need to discuss with your surgeon. Your surgeon will carefully observe your scalp, the quality of your remaining hair, and the hair density of the donor area. They also observe the donor to recipient ratio to determine the number of grafts to be extracted. They will carry out some comprehensive tests to determine whether FUE or FUT will be the right extraction method for you. Remember, choosing the right extraction method is very important for a successful hair transplant. For patients suffering from Grade 5 or Grade 6 baldness, they may even need for both these procedures to be done in combination with one another. Nowadays, most patients prefer the FUE procedure over the FUT procedure due to less pain & minimal scar.

Final Takeaway:

Remember, whether you choose FUT or FUE, both these method comes with their own advantages and disadvantages. Therefore, you need to make a well-informed decision for your hair transplant. Discuss your expectations clearly & frankly with your surgeon. Talk to your surgeon about which procedure will suit you the best. Tell your surgeon about your expectations from this surgery, also mention your time constraints or availabilities. Cost is a very important factor. So, discuss it with your surgeon and then only make the decision of going for a hair transplant. Your surgeon will be helping you in choosing the right extraction method for you.

Total dissolved Solids, popularly known as TDS, are inorganic components present in the drinking water. It includes salt, heavy metals, and certain traces of organic ingredients dissolved in water.

Sometimes, these organic matters that are naturally present in the drinking water can be extremely harmful. The TDS present is a significant reason for turbidity and sediments in drinking water. If it is left unfiltered, TDS can be a cause of different fatal diseases.

TDS can be measured in the form of the combined aggregate of organic and inorganic substances present in the drinking water. This includes anything prevalent in the water other than the pure H20 molecules. These solids include salts, minerals, and organic matters showing the general indication of water quality.

The TDS is measured in terms of milligrams/ unit volume of water or mg/l. It is also denoted in parts per million (ppm).

Here are some factors affecting TDS in your drinking water.

1. High Flow Rates

When we refer to the TDS concentration, the water body’s flow rate can be a prominent factor. Fast-flowing water can have more amounts of large-sized sediment. During heavy rains, the water picks up clay, salt, silt, and many other things like leaves, soil, or other particles.

In addition to this, a variation in the flow rate can have a tremendous effect on total suspended particles. Change in the water current’s speed or direction results in the suspension of particulate substances from sediments.

2. Soil Erosion

Soil erosion is a result of improper or mishandling of resources on the surface of the land. This may be a result of unsolicited logging, mining activities, forest fires, and construction. The eroded soil particles are carried to the surface water during storms, which increases TDS and TSS levels in the drinking water.

3. Urban Runoff

As soon as the storm passes, the debris, dust, and other solid particles from the commercial or residential places get washed away straight into the streams. It is also common in urban areas that the pavement increases the infiltration and also the velocity. Eventually, all these sediments and particles are carried into the streams and brooks during storms.

4. Surplus Septic & Wastewater System

One of the major factors leading to higher TDS in drinking water is the wastewater mechanism. These particles present in the water treatment plants greatly impact the TDS levels of the water you drink.

The residential areas’ wastewater system carries human excreta, food leftovers, and other materials flushed in the drain. The initial filtration and treatment discard most solid impurities, but not everything impure component is removed during this process.

5. Rotting Animals & Plants

Many plants and animals rot in the surrounding, and their decayed body and other suspended particles are carried to the natural water bodies. When mixed with water, it has a huge impact on the TDS and TSS levels of drinking water.

Concluding Thoughts

Hence, it is often said that it is incredibly vital to measure the TDS levels in the drinking water. When the TDS levels go over 1000 mg/liter, it is generally considered ill-fit for human beings for drinking purposes. A high TDS level is also an indication of potential harm to the populace, making a case for further scrutinization.

More often than not, high levels of TDS result from chloride, sodium, and potassium. These ions have negligible short term effects. However, toxic ions, like lead arsenic, nitrate, cadmium, etc., might also dissolve in water. This is where it becomes crucial to take note of the TDS levels in the drinking water.  I hope the five factors that I have mentioned in this write-up helps you understand the importance of checking TDS levels before drinking water.