Thanks for the reply.

After I posted my question, In the mean time I tested this scenario, I noticed some difference, when I added individual columns with individual indexes, it showed me result in 59 seconds, on the other hand it pulled the records in 84 seconds if I run query with composite index.

I am not questioning your opinion, rather I have less knowledge and I would like to know the technical difference between both of the scenarios.

Thanks for your time.