Hello Saumya, the cut off varies for every year. If you're scoring 490 then your rank should be in between 58390-70540. You can check your rank range here :-https://medicine.careers360.com/neet-rank-predictor/result
As far as the college goes, it depends on the cut off and ranks this year. You can predict your colleges though :- https://medicine.careers360.com/neet-college-predictor

Good luck