CONSUMER CIR

CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

CONSUMER INFORMATION:
NAME: MUKESH KUMAR DUA S/O PREM CH DUA

DATE OF BIRTH: 27-09-1968 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CIBIL TRANSUNION SCORE

VERSION 1.0 517 1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.
2: TOO MANY TRADELINES 91+ DAYS DELINQUENT IN THE PAST 6 MONTHS.
3: CREDIT CARD BALANCES ARE TOO HIGH IN PROPORTION TO HIGH CREDIT AMOUNT.
4: HIGH NUMBER OF TRADES WITH LOW PROPORTION OF SATISFACTORY TRADES.
5: PRESENCE OF A TRADELINE 91+ DAYS DELINQUENT 7 TO 12 MONTHS AGO.
6: PRESENCE OF A TRADELINE 91+ DAYS DELINQUENT 13 OR MORE MONTHS AGO.

PERSONAL LOAN SCORE

531 1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.
2: OVER DUE AMOUNT TOO HIGH.
3: LOW AVERAGE TRADE AGE.
4: PRESENCE OF DELINQUENCY.
5: NOT ENOUGH AVAILABLE CREDIT.
6: TOTAL BALANCE OF DELINQUENCIES IS TOO HIGH.

POSSIBLE RANGE FOR CIBIL TRANSUNION SCORE VERSION 1.0

Consumers with more than 6 months credit history* : 300 (high risk) to 900 (low risk)
Consumers with less than 6 months credit history* : 0
Consumers not in CIBIL database or with insufficient information for scoring* : -1

* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.

POSSIBLE RANGE FOR CIBIL TRANSUNION PERSONAL LOAN SCORE

Consumers with more than 1 month credit history* : 300 (high risk) to 900 (low risk)
Consumers not in CIBIL database or with insufficient information for scoring* : -1

* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.

IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE

INCOME TAX ID NUMBER (PAN) AEAPD4532J

VOTER ID NUMBER RJ15114135630

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

RATION CARD NUMBER 03628

UNIVERSAL ID NUMBER (UID) 748658533358

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

NOT CLASSIFIED 8360480300

MOBILE PHONE 8003339655

MOBILE PHONE 919571769458

MOBILE PHONE 8058043539

EMAIL CONTACT(S):
EMAIL ADDRESS

MUKESHDUA8@GMAIL.COM

ADDRESS(ES):

ADDRESS:IKLERA ROAD RAJASTHAN 325221

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE:RENTED DATE REPORTED:28-02-2018

ADDRESS:S/O.PREM CHAND DUA 1189 GADHI CHOWK CHHIPA BADAUD TEH CHHIP BARAN BARAN RAJASTHAN 325205

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:13-03-2015

ADDRESS:H.NO. 1 205 SWAMI VIVEKANAND N GR NR KOTA UNIVERSITY KOTA JAIPUR RAJASTHAN 302001

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:31-01-2015

ADDRESS:GADI CHOWK HAAT BAZAR CHHIPABAROD TEHSIL-CHHIPABAROD DISTRICT-BARAN RAJASTHAN 325221

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:31-12-2014

EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR

GOLD LOAN 31-12-2018 OTHERS Not Available Not Available Not Available

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED

All Accounts TOTAL: 14 HIGH CR/SANC. AMT: 57,27,491 CURRENT: 23,99,528 RECENT: 30-12-2017

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CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

OVERDUE: 6 OVERDUE: 8,32,656 OLDEST: 11-10-2003

ZERO-BALANCE: 8

ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

All Enquiries 11 1 0 0 02-02-2019

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 18-04-2007 SANCTIONED: 97,500 WRITTEN OFF /SETTLED STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 30-08-2008 CURRENT BALANCE: 78,369 WRITTEN-OFF
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 78,369 WRITTEN OFF (TOTAL): 78,369
TYPE: PERSONAL LOAN 31-12-2018 WRITTEN OFF (PRINCIPAL): 72,066
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-12-2018
PMT HIST END: 01-01-2016

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 XXX 900 900 900 900 900 900 900 900 900 900
12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17 08-17 07-17

900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900
06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16 01-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 02-04-2006 HIGH CREDIT: 56,899

ACCOUNT NUMBER: NOT LAST PAYMENT: 28-11-2007 CURRENT BALANCE: 56,899
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 56,899
TYPE: CREDIT CARD 28-01-2019 CREDIT LIMIT: 25,000
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-01-2019 CASH LIMIT:
PMT HIST END: 01-02-2016

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 900 900 900 900 900 900 XXX XXX 900 900 900
01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17 08-17

900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900
07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 09-11-2015 SANCTIONED: 3,50,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 29-07-2017 CURRENT BALANCE: 2,52,649
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 2,52,649
TYPE: AUTO LOAN 31-01-2019 EMI: 17,850
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-01-2019 PMT FREQ: MONTHLY

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

COLLATERAL TYPE: NO PMT HIST END: 01-01-2019 REPAYMENT TENURE: 23

COLLATERAL INTEREST RATE: 18.168

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

697
01-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 27-11-2015 SANCTIONED: 4,00,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 31-01-2019 CURRENT BALANCE: 3,93,367
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 3,93,367
TYPE: AUTO LOAN 31-01-2019 EMI: 13,890
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-01-2019 PMT FREQ: MONTHLY
COLLATERAL TYPE: NO PMT HIST END: 01-01-2019 REPAYMENT TENURE: 35
COLLATERAL INTEREST RATE: 13.435

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

636
01-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: BOB OPENED: 07-11-2015 SANCTIONED: 8,00,000

ACCOUNT NUMBER: 35400600000234 LAST PAYMENT: 16-01-2018 CURRENT BALANCE: 6,57,084
TYPE: AUTO LOAN REPORTED AND CERTIFIED: OVERDUE: 40,212
OWNERSHIP: INDIVIDUAL 31-01-2019 EMI: 13,216
PMT HIST START: 01-01-2019 PMT FREQ: MONTHLY
PMT HIST END: 01-02-2016 REPAYMENT TENURE: 65
INTEREST RATE: 9.65

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

541 510 479 SUB SUB SUB SUB SUB SUB SUB SUB SUB SUB SUB STD STD STD STD
01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17 08-17

STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 30-12-2017 SANCTIONED: 1,00,826

ACCOUNT NUMBER: NOT CLOSED: 05-12-2018 CURRENT BALANCE: 0
DISCLOSED REPORTED AND CERTIFIED: EMI: 43
TYPE: GOLD LOAN 31-12-2018 REPAYMENT TENURE: 11
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-12-2018
COLLATERAL TYPE: GOLD PMT HIST END: 01-02-2018

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 XXX 000 000 000 000 000 000 000 000 000
12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 12-12-2014 SANCTIONED: 9,50,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 31-12-2018 CURRENT BALANCE: 9,61,160
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 11,160
TYPE: PROPERTY LOAN 31-12-2018
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-12-2018
COLLATERAL VALUE: 4000000 PMT HIST END: 01-01-2016
COLLATERAL TYPE: PROPERTY

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

STD 061 061 030 062 061 STD STD STD STD STD STD STD STD STD STD STD STD
12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17 08-17 07-17

STD STD 062 032 001 062 STD STD STD STD STD STD STD STD STD STD STD STD
06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16 01-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 13-01-2006 SANCTIONED: 2,03,500

ACCOUNT NUMBER: NOT LAST PAYMENT: 18-09-2008 CURRENT BALANCE: 0
DISCLOSED CLOSED: 29-09-2008
TYPE: PERSONAL LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 30-11-2013
PMT HIST START: 01-09-2008
PMT HIST END: 01-09-2008

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000
09-08

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 26-04-2004 SANCTIONED: 8,00,000 WRITTEN OFF /SETTLED STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 26-11-2013 CURRENT BALANCE: 0 SETTLED
DISCLOSED CLOSED: 30-11-2013
TYPE: HOUSING LOAN REPORTED AND CERTIFIED:
OWNERSHIP: JOINT 30-11-2013
PMT HIST START: 01-11-2013
PMT HIST END: 01-12-2010

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 083 083 083 083 083 083 083 113 083 083 053 083 053 053 000 053 053

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CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

11-13 10-13 09-13 08-13 07-13 06-13 05-13 04-13 03-13 02-13 01-13 12-12 11-12 10-12 09-12 08-12 07-12 06-12

053 083 083 083 083 053 083 083 053 113 083 113 083 083 113 083 083 053
05-12 04-12 03-12 02-12 01-12 12-11 11-11 10-11 09-11 08-11 07-11 06-11 05-11 04-11 03-11 02-11 01-11 12-10

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 11-10-2003 SANCTIONED: 20,766

ACCOUNT NUMBER: NOT LAST PAYMENT: 07-10-2005 CURRENT BALANCE: 0
DISCLOSED CLOSED: 29-10-2005
TYPE: TWO-WHEELER LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 30-11-2013
PMT HIST START: 01-10-2005
PMT HIST END: 01-10-2005

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000
10-05

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 27-05-2006 SANCTIONED: 65,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 26-04-2007 CURRENT BALANCE: 0
DISCLOSED CLOSED: 28-04-2007
TYPE: PERSONAL LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 03-05-2007
PMT HIST START: 01-04-2007
PMT HIST END: 01-09-2006

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

XXX 000 000 XXX 000 000 XXX 011

04-07 03-07 02-07 01-07 12-06 11-06 10-06 09-06

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 30-04-2005 SANCTIONED: 8,91,500

ACCOUNT NUMBER: NOT LAST PAYMENT: 08-09-2008 CURRENT BALANCE: 0
DISCLOSED CLOSED: 08-09-2008
TYPE: AUTO LOAN REPORTED AND CERTIFIED:
OWNERSHIP: JOINT 14-02-2013
PMT HIST START: 01-09-2008
PMT HIST END: 01-09-2008

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

XXX
09-08

ACCOUNT DATES AMOUNTS STATUS

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

MEMBER NAME: NOT DISCLOSED OPENED: 30-04-2005 SANCTIONED: 8,91,500

ACCOUNT NUMBER: NOT LAST PAYMENT: 28-07-2008 CURRENT BALANCE: 0
DISCLOSED CLOSED: 28-07-2008
TYPE: AUTO LOAN REPORTED AND CERTIFIED:
OWNERSHIP: JOINT 30-06-2010
PMT HIST START: 01-07-2008
PMT HIST END: 01-07-2008

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

XXX
07-08

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 08-11-2004 SANCTIONED: 1,00,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 10-03-2006 CURRENT BALANCE: 0
DISCLOSED CLOSED: 19-04-2006
TYPE: BUSINESS LOAN - GENERAL REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 31-01-2010
PMT HIST START: 01-04-2006
PMT HIST END: 01-11-2004

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

XXX STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
04-06 03-06 02-06 01-06 12-05 11-05 10-05 09-05 08-05 07-05 06-05 05-05 04-05 03-05 02-05 01-05 12-04 11-04

ENQUIRIES:

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

BOB 02-02-2019 BUSINESS LOAN - 7,00,000

SECURED

NOT DISCLOSED 14-12-2016 PROPERTY LOAN 10,00,000

NOT DISCLOSED 02-08-2016 OTHER 1,000

NOT DISCLOSED 13-03-2015 PROPERTY LOAN 50,00,000

NOT DISCLOSED 13-12-2014 OVERDRAFT 9,50,000

NOT DISCLOSED 03-02-2014 AUTO LOAN 4,25,000

NOT DISCLOSED 03-06-2013 PERSONAL LOAN 15,00,000

NOT DISCLOSED 14-04-2007 BUSINESS LOAN - 1,15,000

GENERAL

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: MUKESH DUA DATE:23-02-2019

MEMBER ID: BN05031356 TIME: 14:20:43

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,81,04,42,993

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 29-03-2007 PERSONAL LOAN 97,500

NOT DISCLOSED 14-02-2007 CREDIT CARD 3,00,000

NOT DISCLOSED 27-03-2006 CREDIT CARD 1,00,000

END OF REPORT ON MUKESH DUA

All information ("Information") contained in this credit information report (CIR) is the current and up to date information collated by TransUnion CIBIL
Limited based on information provided by its various members ("Members"). By accessing and using the Information, the user acknowledges and accepts
the following: While TransUnion CIBIL takes reasonable care in preparing the CIR, TransUnion CIBIL shall not be responsible for errors and/or omissions
caused by inaccurate or inadequate information submitted to it. However, TransUnion CIBIL shall take reasonable steps to ensure accurate reproduction
of the information submitted by the Members and, to the extent statutorily permitted, it shall correct any such inaccuracies in the CIR. Further, TransUnion
CIBIL does not guarantee the adequacy or completeness of the information and/or its suitability for any specific purpose nor is TransUnion CIBIL
responsible for any access or reliance on the CIR. The CIR is not a recommendation by TransUnion CIBIL to any Member to (i) lend or not to lend; (ii)
enter into or not to enter into any financial transaction with the concerned individual/entity. Credit Scores do not form part of the CIR. The use of the CIR is
governed by the provisions of the Credit Information Companies (Regulation) Act, 2005, the Credit Information Companies Regulations, 2006, Credit
Information Companies Rules, 2006 and the terms and conditions of the Operating Rules for TransUnion CIBIL and its Members.

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