ERN: 1570147641519

Report Date: 04-10-2019

Sandeep Kumar's Credit Report Provided by

‹ Credit Score

Your Credit Report is summarized in the form of Credit Score which ranges from 300 - 900.

Score Factors
Payment History : Percentage of payments made on time
822 Credit Card Utilization : Percentage of your Credit Limit being used
Age Of Credit History : Age of your oldest open account
Total Account : Total number of your Credit Card and Loans

‹ Report Summary

Credit Account Summary Current Balance Amount Summary Credit Enquiry Summary

Total Accounts 2 Total Current Bal. amt 62,838.00 Last 7 days credit enquiries 0

Active Accounts 2 SF/WD/WO/Settled amt 0 Last 30 days credit enquiries 0

Closed Accounts 0 Secured Accounts amt 0 Last 90 days credit enquiries 0

SF/WD/WO/Settled 0 Unsecured Accounts amt 62,838.00 Last 180 days credit enquiries 0
‹ SUMMARY : Credit Account Information

This section displays summary of all your reported credit accounts found in the Credit Bureau database.

Lender Account Account No Ownership Date Account Date Sanction Current Amount
type Reported Status Opened Amt / Balance Overdue
Highest
Credit

Acct HDFC Consumer 0004815080044131109 Individual 31-07-2019 ACTIVE 25-03-2019 84,000.00 62,838.00 -
1 Bank Loan
Ltd
Acct IVL Personal IPERJAL01920654 Individual 31-07-2019 ACTIVE 08-03-2019 3,000.00 0 0
2 Finance Loan
Ltd
 ‹ Credit Account Information details

This section has information based on the details provided to our Bureau Partner by all our member banks, credit / financial
institutions and other credit grantors with whom you have a credit / loan account.

Consumer Loan HDFC Bank Ltd ‹ Acct 1

Address 1 S/O BANARSI DASS,PATTI KHURAMPUR MALSIAN,NEAR MANDIR, 144701

Consumer Loan

Account terms Account description Account details

Account Number 0004815080044131 Date Reported 31-07-2019

Credit Limit Amt -
109

Loan Type Consumer

Date Opened 25-03-2019 EMI -
Loan

Date Closed - Account Status ACTIVE Repayment Tenure 0

Ownership Individual Highest Credit 84,000.00 Total Write-off Amt -

Rate of Interest - Current Balance 62,838.00 Principal Write-off -

Value of Collateral - Amount Overdue - Settlement Amt -

Type of Collateral - Last Payment Date 15-07-2019

Payment History

DPD Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan

2019 0 0 0 0 0

Consumer Personal details on the Consumer Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of
Expiry
Gender MALE Mobile 8196065751 -
PAN BFFPK4565M - -
Occupation - Office Phone - -
Passport - - -
Email address -
Voter ID - - -
Aadhaar/UID - - -
Driving
- - -
License
Ration Card - - -
Personal Loan IVL Finance Ltd ‹ Acct 2

Address 1 131SO BANARSI DASS PATTI,KHURAMPUR0209MAISIAN 2 2, 144701

Personal Loan

Account terms Account description Account details

Account Number IPERJAL01920654 Date Reported 31-07-2019 Credit Limit Amt -

Loan Type Personal

Date Opened 08-03-2019 EMI -
Loan

Date Closed - Account Status ACTIVE Repayment Tenure 3

Ownership Individual Highest Credit 3,000.00 Total Write-off Amt -

Rate of Interest - Current Balance 0 Principal Write-off -

Value of Collateral - Amount Overdue 0 Settlement Amt -

Type of Collateral - Last Payment Date -

Payment History

DPD Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan

2019 0 0 0 0 0

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of
Expiry
Gender MALE Mobile 6239649001 -
PAN BFFPK4565M - -
Occupation - Office Phone - -
Passport - - -
Email address -
Voter ID - - -
Aadhaar/UID - - -
Driving
- - -
License
Ration Card - - -
 ‹ Contacting Us

Kindly contact us in case of any discrepancies in your report. We would be happy to help you.
Please feel free to contact us if you have any questions.
Email: creditreport@paisabazaar.com

‹ Legend

SF/WD/WO/SETTLED : Credit Accounts that are Suit Filed/ Wilful Default/ Written Off/ Settled.
ACTIVE* : Credit accounts which are less than 90 days past due.
ACTIVE** : Credit accounts which are over 90 days past due.
Closed : Credit accounts that have 'Date Closed' populated.
DPD : Days Past Due. Number of days that have passed from the agreed payment due date of EMI.
DPD '0' : The number '0' in the circle indicates that the Payment is made as agreed and the credit account is up to date.
DPD >0 : The number in the circle indicates the "Days Past Due" reported by the respective lender.
When the below alphabets are shown in the DPD table, it means the lender is reporting Asset Classification and indicates the following:
S : Standard: An account which is overdue for less than 90 days is considered as a Standard asset as per RBI guidelines.
M : Special Mention: These accounts are "Standard" assets but for some discrepancy the lending organization would like to monitor this
account closely.
B : Substandard: An account which is overdue by 90 days for a period of less than or equal to 12 months is classified as Substandard asset as
per RBI guidelines
D : Doubtful: An account which is overdue by 90 days for more than 12 months is classified as doubtful asset as per RBI guidelines.
L : Loss: An account where loss has been identified but the amount has not been written off, wholly or partially is classified as Loss asset as
per RBI guidelines.

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