Monethics Analysis

Personal Info
Name of the Account Holder TOUSHIF SHAIKH
Address ROOM NO 416 C WING MAMTA COP HSG, SOCIETY DR AMBEDKAR NAGAR, MA
Email SREHAN013@GMAIL.COM
PAN EEBPS4165B
Mobile Number XXXXX03573
Perfios Transaction ID 6XFL1621587920041

Summary Info
Name of the Bank HDFC Bank, India
Account Number 50100289426619
Account Type Savings
IFSC Code HDFC0001108
MICR Code 400240144
Employer Name API Holdings Pvt Ltd
Same Cheque Bounces 0
Average FOIR 43.02%
Average Expenses to Income Ratio 99.93%
Average EMI 7.96
Average EOD/EMI Ratio 28353.46%
Processing Type Net Banking Fetch
Monthwise Details
Nov-20 Dec-20
Opening Balance 77.83 147.83
Closing Balance 147.83 1,538.55
Average Balance 2,004.58 2,103.27
Total No. of Credit Transactions 31 64
Total Amount of Credit Transactions 66,429.40 179,568.81
Total No. of Debit Transactions 34 73
Total Amount of Debit Transactions 66,359.40 178,178.09
Total No of Technical Inward Returns 0 0
Total Amount of Technical Inward Returns 0.00 0.00
Total No of Non-Technical Inward Returns 0 0
Total Amount of Non-Technical Inward Returns 0.00 0.00
Total No of Outward Returns 0 0
Total Amount of Outward Returns 0.00 0.00
Total No of Obligations 0 8
Total Amount of Obligations 0.00 35,502.92
Total No of EMI Bounces 0 0
Total Amount of EMI Bounces 0.00 0.00
Inward Fund Transfer 66,408.40 174,526.31
Outward Fund Transfer 48,009.00 94,017.96
Same Party In Debit & Credit 13 15
Same Party In Debit & Credit - Total Credits 10,300.00 47,790.00
Same Party In Debit & Credit - Total Debits 22,930.00 19,930.00
Cyclical Rotation Transactions 0 0

Perfios Insights Page 1 of 79

Monethics Analysis
Cyclical Rotation Amount 0.00 0.00
Investment Income 0.00 23.00
Investment Expense 1,733.00 0.00
Salary 20,843.00 20,217.00
Additional Income 0.00 23.00
Additional Income Percentage 0.00% 0.11%
Total No of Reimbursements 0 0
Total Amount of Reimbursements 0.00 0.00
Total Loan Credits Amount 1.00 0.00
Total Loan Credits Count 1 0
Total Amount of Interest Credits 0.00 23.00
Total Amount of Credit card payments 0.00 0.00
Penalty Charges 0.00 0.00
Utility Payments 0.00 0.00
Tax Payments 0.00 0.00
Cash Withdrawal Amount 12,000.00 31,400.00
Cash Withdrawal Count 5 5
Cash Deposit Amount 0.00 0.00
Cash Deposit Count 0 0
Cheque Withdrawal Amount 0.00 0.00
Cheque Withdrawal Count 0 0
Cheque Deposit Amount 0.00 0.00
Cheque Deposit Count 0 0
Total No of High Value Credits 1 2
Total Amount of High Value Credits 20,843.00 40,217.00
Total No of High Value Debits 0 0
Total Amount of High Value Debits 0.00 0.00
Total NEFT/IMPS/RTGS/UPI Credits 29 62
Total NEFT/IMPS/RTGS/UPI Debits 24 58
Channel Vs Non Channel 8.33% 3.79%
FOIR (Fixed Obligation Income Ratio) 0.00% 175.61%
Monthly EMI Amount 9.61 9.32
EOD/EMI Ratio 20859.64% 22564.28%
Immediate big debit after Salary credit N N

Perfios Insights Page 2 of 79

 Monethics Analysis

G, SOCIETY DR AMBEDKAR NAGAR, MA

0.43
1.00

283.53

Jan-21 Feb-21 Mar-21 Apr-21

1,538.55 5.32 9.82 52.82
5.32 9.82 52.82 306.62
2,687.95 2,653.68 1,180.72 2,911.58
19 26 24 22
81,434.15 46,995.50 43,091.50 47,927.00
52 23 34 34
82,967.38 46,991.00 43,048.50 47,673.20
0 0 0 0
0.00 0.00 0.00 0.00
0 0 0 0
0.00 0.00 0.00 0.00
0 0 0 0
0.00 0.00 0.00 0.00
1 0 0 0
9,056.88 0.00 0.00 0.00
0 0 0 0
0.00 0.00 0.00 0.00
71,825.00 46,994.00 43,063.00 36,923.00
33,749.90 24,023.00 38,601.00 43,155.00
12 11 11 10
5,701.00 19,001.00 20,952.00 16,400.00
4,631.00 9,300.00 17,555.00 18,600.00
0 0 0 0

Perfios Insights Page 3 of 79

Monethics Analysis
0.00 0.00 0.00 0.00
0.00 0.00 16.00 0.00
0.00 0.00 0.00 0.00
30,000.00 10,843.00 10,843.00 10,843.00
0.00 0.00 16.00 0.00
0.00% 0.00% 0.15% 0.00%
0 0 0 0
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0 0 0 0
0.00 0.00 16.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
21.00 448.00 49.00 802.00
0.00 0.00 0.00 0.00
38,200.00 19,500.00 4,000.00 3,500.00
11 4 5 2
8,500.00 0.00 0.00 11,000.00
1 0 0 3
0.00 0.00 0.00 0.00
0 0 0 0
0.00 0.00 0.00 0.00
0 0 0 0
2 1 3 2
50,843.00 10,843.00 27,343.00 16,843.00
0 0 0 0
0.00 0.00 0.00 0.00
13 25 21 19
29 17 26 30
20.34% 8.89% 9.43% 9.80%
30.19% 0.00% 0.00% 0.00%
13.83 5.00 5.00 5.00
19433.20% 53081.40% 23617.96% 58240.29%
N N N N

Perfios Insights Page 4 of 79

Monethics Analysis

TOTAL AVERAGE
1,832.17 305.36
2,060.96 343.49
13,541.78 2,256.96
186 31
465,446.36 77,574.39
250 41.6666666666667
465,217.57 77,536.26
0 0
0.00 0.00
0 0
0.00 0.00
0 0
0.00 0.00
9 1.5
44,559.80 7,426.63
0 0
0.00 0.00
439,739.71 73,289.95
281,555.86 46,925.98
72 12
120,144.00 20,024.00
92,946.00 15,491.00
0 0

Perfios Insights Page 5 of 79

Monethics Analysis
0.00 0.00
39.00 6.50
1,733.00 288.83
103,589.00 17,264.83
39.00 6.50
0.04%
0 0
0.00 0.00
1.00 0.17
1 0.166666666666667
39.00 6.50
0.00 0.00
0.00 0.00
1,320.00 220.00
0.00 0.00
108,600.00 18,100.00
32 5.33333333333333
19,500.00 3,250.00
4 0.666666666666667
0.00 0.00
0 0
0.00 0.00
0 0
11 1.83333333333333
166,932.00 27,822.00
0 0
0.00 0.00
169 28.1666666666667
184 30.6666666666667
10.10%
34.30%
47.76 7.96
32966.13%

Perfios Insights Page 6 of 79

Monethics EOD Balances
Day/Month Nov-20 Dec-20 Jan-21 Feb-21
1 77.83 17.83 1,645.45 5.32
2 7,430.33 17.83 1,145.45 4,506.32
3 1,220.33 17.83 145.45 3,506.32
4 720.33 17.83 145.45 2,406.32
5 520.33 685.51 145.45 2,406.32
6 520.33 1,612.51 145.45 1,706.32
7 472.83 2,994.78 45.45 117.32
8 472.83 3,001.28 225.45 18.32
9 472.83 2,230.60 725.45 19.82
10 72.83 3,926.28 704.45 19.82
11 1,072.83 3,926.28 1,185.20 1,019.82
12 1,072.83 2,727.03 185.20 11,098.82
13 3,326.83 4,738.46 5,830.42 13,348.82
14 9,326.83 3,698.96 5,531.92 12,848.82
15 9,326.83 1,865.91 5,031.92 12,798.82
16 4,326.83 1,010.12 4,331.92 5,798.82
17 3,326.83 700.12 2,431.92 1,798.82
18 3,326.83 13,102.36 16,683.42 28.82
19 3,106.83 13,102.36 10,579.52 128.82
20 1,097.83 2.36 8,021.52 128.82
21 1,103.83 1,573.38 9,221.72 128.82
22 1,003.83 1,174.88 5,665.72 128.82
23 105.33 1,174.88 2,165.72 88.82
24 105.33 22.45 565.72 58.82
25 205.33 22.45 358.82 58.82
26 2,408.33 22.45 158.82 58.82
27 2,408.33 222.45 108.82 58.82
28 909.33 22.45 98.82 9.82
29 447.83 15.55 85.32
30 147.83 15.55 5.32
31 1,538.55 5.32

Perfios Insights Page 7 of 79

Monethics EOD Balances
Mar-21 Apr-21
4.82 52.82
4.82 56.82
4.82 2,056.82
4.82 1,046.82
4.82 1,046.82
4.82 897.82
4.82 897.82
4.82 848.82
5.57 799.82
1,241.57 799.82
1,221.57 649.82
2,644.57 11,492.82
1,928.57 10,142.82
1,928.57 4,542.82
4,429.32 3,422.82
4,429.32 7,422.82
3,429.32 7,422.82
2,779.32 1,122.82
1,479.32 1,022.82
1,479.32 1,022.82
1,479.32 418.82
1,465.82 3,518.82
1,465.82 3,501.12
65.82 3,601.12
65.82 4,005.12
65.82 3,756.62
65.82 5,856.62
16.82 5,356.62
4,786.82 256.62
36.82 306.62
52.82

Perfios Insights Page 8 of 79

Monethics Transactions (Acc1)
Cheque
Sl. No. Date Description Amount
No.
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
1 02-Nov-20 TOUSIF SHAIKH-23003258731DC (IFSC 20,843.00
23003258731DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
47 24-Nov-20 TOUSIF SHAIKH-23124511491DC (IFSC 8,000.00
23124511491DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
106 09-Dec-20 TOUSHIF SHAIKH-23215084881DC (IFSC 20,217.00
23215084881DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
220 13-Jan-21 TOUSHIF SHAIKH-23414202171DC (IFSC 20,843.00
23414202171DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
240 18-Jan-21 TOUSHIF SHAIKH-23437594121DC (IFSC 30,000.00
23437594121DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
295 12-Feb-21 TOUSHIF SHAIKH-23592967181DC (IFSC 10,843.00
23592967181DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
345 12-Mar-21 TOUSHIF SHAIKH-23778973071DC (IFSC 10,843.00
23778973071DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
398 12-Apr-21 TOUSHIF SHAIKH-23985079131DC (IFSC 10,843.00
23985079131DC)

Perfios Insights Page 9 of 79

Monethics Transactions (Acc1)

Category Balance

Transfer from SWIFTO UNIT OF API H 20,920.83

Transfer from SWIFTO UNIT OF API H 8,105.33

Transfer from SWIFTO UNIT OF API H 22,018.28

Transfer from SWIFTO UNIT OF API H 21,028.20

Transfer from SWIFTO UNIT OF API H 32,381.92

Transfer from SWIFTO UNIT OF API H 11,798.82

Transfer from SWIFTO UNIT OF API H 10,944.57

Transfer from SWIFTO UNIT OF API H 11,492.82

Perfios Insights Page 10 of 79

Monethics Recurring Credits
Cheque
Group Sl. No. Date Description
No.
UPI-ASIF SHAIKH-ASIF84043@OKHDFCBANK-
1 1 07-Feb-21 HDFC0001114-103810244826-UPI (Ref#
103810244826)
UPI-RAJU RAM-RAJUNCT-1@OKHDFCBANK-
1 2 06-Mar-21 HDFC0001108-106519997893-UPI (Ref#
106519997893)
UPI-MOHD ZUBER TAWAKKAL-
ZUBER9930767131-1@OKHDFCBANK-
1 3 11-Apr-21
BARB0DBMAHM-110113481087-UPI (Ref#
110113481087)
UPI-MOHD IRFAN-SH0854148@OKHDFCBANK-
1 4 15-Apr-21 SBIN0001884-110522213455-UPI (Ref#
110522213455)
UPI-SANDEEP RAJESH SHARM-SS9312571-
1 5 16-Apr-21 1@OKHDFCBANK-KKBK0001351-
110617762446-UPI (Ref# 110617762446)
UPI-SANDEEP RAJESH SHARM-SS9312571-
1 6 22-Apr-21 1@OKHDFCBANK-KKBK0001351-
111214130886-UPI (Ref# 111214130886)
UPI-SANDEEP RAJESH SHARM-ss9312571-
1 7 27-Apr-21 1@okhdfcbank-KKBK0001351-111717505155-UPI
(Ref# 111717505155)
UPI-PUJARI SHIVA RAMALU-
2 1 13-Nov-20 POOJARISHIVA395@OKAXIS-SRCB0000106-
031809266275-UPI (Ref# 31809266275)
UPI-PUJARI SHIVA RAMALU-
2 2 13-Nov-20 POOJARISHIVA395@OKAXIS-SRCB0000106-
031809278457-UPI (Ref# 31809278457)
UPI-PUJARI SHIVA RAMALU-
2 3 13-Nov-20 POOJARISHIVA395@OKAXIS-SRCB0000106-
031809476671-UPI (Ref# 31809476671)
UPI-PUJARI SHIVA RAMALU-
2 4 07-Dec-20 POOJARISHIVA395@OKAXIS-SRCB0000106-
034213304663-UPI (Ref# 34213304663)
UPI-PUJARI SHIVA RAMALU-
2 5 24-Mar-21 POOJARISHIVA395@OKAXIS-SRCB0000106-
108318077439-UPI (Ref# 108318077439)
UPI-PUJARI SHIVA RAMALU-
2 6 19-Apr-21 POOJARISHIVA395@OKAXIS-SRCB0000106-
110917173692-UPI (Ref# 110917173692)
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 1 07-Feb-21
103848919480-PAYMENT FROM PHONE (Ref#
103848919480)
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 2 07-Feb-21
103887773847-PAYMENT FROM PHONE (Ref#
103887773847)
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 3 16-Feb-21
104774161963-PAYMENT FROM PHONE (Ref#
104774161963)

Perfios Insights Page 11 of 79

Monethics Recurring Credits
Cheque
Group Sl. No. Date Description
No.
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 4 20-Feb-21
105118340234-PAYMENT FROM PHONE (Ref#
105118340234)
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 5 29-Mar-21
108835425169-PAYMENT FROM PHONE (Ref#
108835425169)
UPI-SHAIKH MOHD MOHSIN-
MOHSINS999991@YBL-SRCB0000264-
3 6 04-Apr-21
109418706916-PAYMENT FROM PHONE (Ref#
109418706916)
UPI-SHAIKH MOHD MOHSIN M-
MOHSINS99999@YBL-ABHY0065020-
3 7 15-Apr-21
110569379782-PAYMENT FROM PHONE (Ref#
110569379782)
UPI-MOHAMMAD JAFAR ABDUL-
4 1 16-Nov-20 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
032105093117-SADDU (Ref# 32105093117)
UPI-MOHAMMAD JAFAR ABDUL-
4 2 03-Feb-21 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
103421419064-SADDU (Ref# 103421419064)
UPI-MOHAMMAD JAFAR ABDUL-
4 3 18-Feb-21 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
104921239604-SADDU (Ref# 104921239604)
UPI-MOHAMMAD JAFAR ABDUL-
4 4 20-Feb-21 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
105117437891-SADDU (Ref# 105117437891)
UPI-MOHAMMAD JAFAR ABDUL-
4 5 24-Mar-21 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
108321203172-SADDU (Ref# 108321203172)
UPI-MOHAMMAD JAFAR ABDUL-
4 6 13-Apr-21 SHAIKHJAFAR72524@OKICICI-BARB0MCMAHI-
110314191091-SADDU (Ref# 110314191091)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 1 02-Nov-20 TOUSIF SHAIKH-23003258731DC (IFSC
23003258731DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 2 24-Nov-20 TOUSIF SHAIKH-23124511491DC (IFSC
23124511491DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 3 09-Dec-20 TOUSHIF SHAIKH-23215084881DC (IFSC
23215084881DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 4 13-Jan-21 TOUSHIF SHAIKH-23414202171DC (IFSC
23414202171DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 5 18-Jan-21 TOUSHIF SHAIKH-23437594121DC (IFSC
23437594121DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 6 12-Feb-21 TOUSHIF SHAIKH-23592967181DC (IFSC
23592967181DC)

Perfios Insights Page 12 of 79

Monethics Recurring Credits
Cheque
Group Sl. No. Date Description
No.
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 7 12-Mar-21 TOUSHIF SHAIKH-23778973071DC (IFSC
23778973071DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 8 12-Apr-21 TOUSHIF SHAIKH-23985079131DC (IFSC
23985079131DC)
IMPS-031820784547-FINNEW SOLUTIONS PRI-
6 1 13-Nov-20 HDFC-XXXXXXXXXXX7988-NA (Ref#
31820784547)
IMPS-031822841739-FINNEW SOLUTIONS PRI-
6 2 13-Nov-20 HDFC-XXXXXXXXXXX7988-NA (Ref#
31822841739)
IMPS-036621778707-FINNEW SOLUTIONS PRI-
6 3 31-Dec-20 HDFC-XXXXXXXXXXX7988-NA (Ref#
36621778707)
IMPS-104423652563-FINNEW SOLUTIONS PRI-
6 4 13-Feb-21 HDFC-XXXXXXXXXXX7988-NA (Ref#
104423652563)
IMPS-107223962731-FINNEW SOLUTIONS PRI-
6 5 13-Mar-21 HDFC-XXXXXXXXXXX7988-NA (Ref#
107223962731)
IMPS-109812849550-FINNEW SOLUTIONS PRI-
6 6 08-Apr-21 HDFC-XXXXXXXXXXX7988-NA (Ref#
109812849550)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 1 13-Nov-20 UTIB0000553-031810095763-REWARDED FOR
PAYIN (Ref# 31810095763)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 2 21-Nov-20 UTIB0000553-032614765605-REWARDED FOR
PAYIN (Ref# 32614765605)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 3 29-Nov-20 UTIB0000553-033400937263-REWARDED FOR
PAYIN (Ref# 33400937263)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 4 06-Dec-20 UTIB0000553-034113549858-REWARDED FOR
PAYIN (Ref# 34113549858)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 5 08-Dec-20 UTIB0000553-034301498567-REWARDED FOR
PAYIN (Ref# 34301498567)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 6 14-Dec-20 UTIB0000553-034918125942-REWARDED FOR
PAYIN (Ref# 34918125942)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 7 10-Mar-21 UTIB0000553-106920228828-UPI (Ref#
106920228828)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 8 22-Mar-21 UTIB0000553-108116923533-UPI (Ref#
108116923533)
UPI-GOOGLEPAY-GOOG-PAYMENT@OKAXIS-
7 9 02-Apr-21 UTIB0000553-109223714134-UPI (Ref#
109223714134)

Perfios Insights Page 13 of 79

Monethics Recurring Credits

Amount Category Balance

100.00 Transfer from ASIF84043@OKHDFCBANK 117.32

100.00 Transfer from RAJUNCT-1@OKHDFCBANK 104.82

Transfer from ZUBER9930767131-

100.00 1@OKHDFCBANK 749.82

100.00 Transfer from SH0854148@OKHDFCBANK 3,422.82

Transfer from SS9312571-

4,000.00 1@OKHDFCBANK 7,422.82

Transfer from SS9312571-

100.00 1@OKHDFCBANK 3,518.82

Transfer from SS9312571-

100.00 1@OKHDFCBANK 5,856.62

1,000.00 Transfer from POOJARISHIVA395@OKAXIS 3,122.83

50.00 Transfer from POOJARISHIVA395@OKAXIS 3,172.83

1,000.00 Transfer from POOJARISHIVA395@OKAXIS 6,172.83

1,000.00 Transfer from POOJARISHIVA395@OKAXIS 5,478.51

500.00 Transfer from POOJARISHIVA395@OKAXIS 1,865.82

100.00 Transfer from POOJARISHIVA395@OKAXIS 1,222.82

1,700.00 Transfer from MOHSINS999991@YBL 3,406.32

150.00 Transfer from MOHSINS999991@YBL 3,556.32

1,000.00 Transfer from MOHSINS999991@YBL 5,798.82

Perfios Insights Page 14 of 79

Monethics Recurring Credits

Amount Category Balance

2,000.00 Transfer from MOHSINS999991@YBL 7,128.82

6,000.00 Transfer from MOHSINS999991@YBL 6,016.82

2,750.00 Transfer from MOHSINS999991@YBL 6,046.82

2,880.00 Transfer from MOHSINS99999@YBL 7,422.82

Transfer from
1,000.00 SHAIKHJAFAR72524@OKICICI 5,326.83

Transfer from
500.00 SHAIKHJAFAR72524@OKICICI 3,506.32

Transfer from
2,000.00 SHAIKHJAFAR72524@OKICICI 3,798.82

Transfer from
5,000.00 SHAIKHJAFAR72524@OKICICI 5,128.82

Transfer from
200.00 SHAIKHJAFAR72524@OKICICI 565.82

Transfer from
4,100.00 SHAIKHJAFAR72524@OKICICI 19,592.82

20,843.00 Transfer from SWIFTO UNIT OF API H 20,920.83

8,000.00 Transfer from SWIFTO UNIT OF API H 8,105.33

20,217.00 Transfer from SWIFTO UNIT OF API H 22,018.28

20,843.00 Transfer from SWIFTO UNIT OF API H 21,028.20

30,000.00 Transfer from SWIFTO UNIT OF API H 32,381.92

10,843.00 Transfer from SWIFTO UNIT OF API H 11,798.82

Perfios Insights Page 15 of 79

Monethics Recurring Credits

Amount Category Balance

10,843.00 Transfer from SWIFTO UNIT OF API H 10,944.57

10,843.00 Transfer from SWIFTO UNIT OF API H 11,492.82

200.00 Transfer from FINNEW SOLUTIONS PRI 325.83

1,000.00 Transfer from FINNEW SOLUTIONS PRI 1,325.83

1,500.00 Transfer from FINNEW SOLUTIONS PRI 1,515.55

300.00 Transfer from FINNEW SOLUTIONS PRI 13,348.82

248.00 Transfer from FINNEW SOLUTIONS PRI 1,928.57

100.00 Transfer from FINNEW SOLUTIONS PRI 997.82

3.00 Cash Back 125.83

6.00 Cash Back 1,103.83

8.00 Cash Back 917.33

6.00 Cash Back 691.51

5.00 Cash Back 2,999.78

7.00 Cash Back 2,897.46

6.00 Cash Back 1,491.57

5.00 Cash Back 2,234.32

4.00 Cash Back 56.82

Perfios Insights Page 16 of 79

Monethics Recurring Debits
Cheque
Group Sl. No. Date Description
No.
UPI-PHONEPE-EURONET@YBL-YESB0YBLUPI-
1 1 07-Nov-20 031284385911-PAYMENT FROM PHONE (Ref#
31284385911)
UPI-PHONEPE-EURONET@YBL-YESB0YBLUPI-
1 2 28-Nov-20 033315805285-PAYMENT FROM PHONE (Ref#
33315805285)
UPI-PHONEPE-EURONET@YBL-YESB0YBLUPI-
1 3 14-Dec-20 034931839308-PAYMENT FROM PHONE (Ref#
34931839308)
POS 652166XXXXXX8733 MOBIKWIK (Ref#
1 4 15-Dec-20
35014987269)
UPI-PHONEPE-EURONET@YBL-YESB0YBLUPI-
1 5 19-Jan-21 101976826619-PAYMENT FROM PHONE (Ref#
101976826619)
POS 652166XXXXXX8733 MOBIKWIK (Ref#
1 6 22-Jan-21
102214285113)
UPI-ALIF DHABA-PAYTM-57188709@PAYTM-
1 7 23-Jan-21 PYTM0123456-102302808859-UPI (Ref#
102302808859)
UPI-PAYTM-ADD-MONEY@PAYTM-
1 8 10-Mar-21 PYTM0123456-106914833429-
OID13075318023@ADD (Ref# 106914833429)
UPI-RUMMY REAL-PAYTM-61822485@PAYTM-
1 9 18-Mar-21 PYTM0123456-107700129099-
OIDPTM202103181149 (Ref# 107700129099)
UPI-RUMMY REAL-PAYTM-61822485@PAYTM-
1 10 04-Apr-21 PYTM0123456-109425992588-
OIDPTM202104041243 (Ref# 109425992588)
UPI-PAYTM-ADD-MONEY@PAYTM-
1 11 09-Apr-21 PYTM0123456-109972777316-
OID202104091599662 (Ref# 109972777316)
UPI-RUMMY REAL-PAYTM-61822485@PAYTM-
1 12 11-Apr-21 PYTM0123456-110001199050-
OIDPTM202104102358 (Ref# 110001199050)
UPI-RUMMY REAL-PAYTM-61822485@PAYTM-
1 13 11-Apr-21 PYTM0123456-110101467002-
OIDPTM202104110053 (Ref# 110101467002)
UPI-RUMMY REAL-PAYTM-61822485@PAYTM-
1 14 11-Apr-21 PYTM0123456-110121166345-
OIDPTM202104111958 (Ref# 110121166345)
UPI-PhonePe-EURONET@ybl-YESB0YBLUPI-
1 15 25-Apr-21 111581499234-Payment from Phone (Ref#
111581499234)

Perfios Insights Page 17 of 79

Monethics Recurring Debits

Amount Category Balance

(49.00) Transfer to Wallet 471.33

(599.00) Transfer to Wallet 1,809.33

(39.00) Transfer to Wallet 4,190.46

(3,556.00) Transfer to Wallet 2,064.91

(39.00) Transfer to Wallet 10,644.42

(3,556.00) Transfer to Wallet 5,665.72

(3,300.00) Transfer to Wallet 2,365.72

(250.00) Transfer to Wallet 1,241.57

(50.00) Transfer to Wallet 3,379.32

(10.00) Transfer to Wallet 2,046.82

(49.00) Transfer to Wallet 799.82

(50.00) Transfer to Wallet 749.82

(100.00) Transfer to Wallet 649.82

(100.00) Transfer to Wallet 649.82

(47.00) Transfer to Wallet 3,554.12

Perfios Insights Page 18 of 79

Monethics Funds Received

Top 10 Funds Received

Nov-20
Description Amount
Transfer from SWIFTO UNIT OF API H 28,843.00
Transfer from RAZORPAY SOFTWARE
12,463.40
P
Transfer from 8169568667@YBL 6,000.00
Transfer from 1@OKHDFCBANK 3,600.00
Transfer from 9324153362@YBL 3,050.00
Transfer from
2,200.00
BADSHASHAIK169@OKHDFCBANK
Transfer from
2,050.00
POOJARISHIVA395@OKAXIS
Transfer from 9819968667@YBL 2,001.00
Transfer from
2,000.00
AQIB6660@OKHDFCBANK
Transfer from FINNEW SOLUTIONS PRI 1,200.00
Dec-20
Description Amount
Transfer from RAZORPAY SOFTWARE
81,900.31
P
Transfer from SWIFTO UNIT OF API H 20,217.00
Transfer from
20,000.00
IBRAHIMSHAIKH43903@OKICICI
Transfer from
20,000.00
VIKASPAL471@OKHDFCBANK
Transfer from CASHFREE PAYMENTS
9,240.00
IN
Transfer from
2,500.00
AAMIRSHAH1311@OKHDFCBANK
Transfer from
2,000.00
ANSARIMDSOHAIL123@OKSBI
Transfer from
2,000.00
SHABANAMEHFOOZ123@OKICICI
Transfer from
1,700.00
IMRAANSHAIKH077@OKHDFCBANK
Transfer from SAIMUDDI1211@OKAXIS 1,700.00
Jan-21
Description Amount
Transfer from SWIFTO UNIT OF API H 50,843.00
Transfer from 8850054869@YBL 13,000.00
Transfer from
3,200.00
AKBARSHAIKH759@OKICICI
Transfer from 8268404491@YBL 1,000.00
Transfer from
1,000.00
ABDUL.TALIB003@OKHDFCBANK
Transfer from
1,000.00
RP93PAWARROHIT@OKHDFCBANK
Transfer from 9967929408@YBL 500.00

Perfios Insights Page 19 of 79

Monethics Funds Received
Transfer from
500.00
IMRANKHAN00541@OKSBI
Transfer from RAJUNCT-
500.00
1@OKHDFCBANK
Transfer from
PUNITCHAUDHARI565@OKHDFCBAN 281.00
K
Feb-21
Description Amount
Transfer from SWIFTO UNIT OF API H 10,843.00
Transfer from
7,500.00
SHAIKHJAFAR72524@OKICICI
Transfer from
5,000.00
ANANDGAIKWAD442@OKHDFCBANK
Transfer from MOHSINS999991@YBL 4,850.00
Transfer from
3,501.00
SHAIKHFEROZ8424@OKSBI
Transfer from
3,000.00
VIKASPAL471@OKHDFCBANK
Transfer from
2,800.00
AQIB6660@OKHDFCBANK
Transfer from
2,700.00
JUNAIDSHAIKH0971@OKHDFCBANK
Transfer from
2,000.00
ABDUL.TALIB003@OKHDFCBANK
Transfer from 7021479511@YBL 1,000.00
Mar-21
Description Amount
Transfer from SWIFTO UNIT OF API H 10,843.00
Transfer from
10,500.00
MEHFOOZSHAIKH813.MS-1@OKICICI
Transfer from MOHSINS999991@YBL 6,000.00
Transfer from RAJUNCT-
5,100.00
1@OKHDFCBANK
Transfer from
2,500.00
IMRAANSHAIKH077@OKHDFCBANK
Transfer from
2,050.00
DEEPAKLK7@OKHDFCBANK
Transfer from AJAYJOGTALE-
1,200.00
2@OKHDFCBANK
Transfer from 7021479511@YBL 1,000.00
Transfer from
AMRESHBAHUBALINO.1@OKHDFCBA 1,000.00
NK
Transfer from 9967361251@IBL 700.00
Apr-21
Description Amount
Transfer from SWIFTO UNIT OF API H 10,843.00
Transfer from
SHAMSHERMOHDARIF9321- 6,000.00
1@OKAXIS

Perfios Insights Page 20 of 79

Monethics Funds Received
Transfer from SS9312571-
4,200.00
1@OKHDFCBANK
Transfer from
4,100.00
SHAIKHJAFAR72524@OKICICI
Transfer from MOHSINS99999@YBL 2,880.00
Transfer from MOHSINS999991@YBL 2,750.00
Transfer from
2,500.00
NNRAWAL8454944014@OKICICI
Transfer from 8097361512@YBL 1,250.00
Transfer from AAMIRSHAH1311-
1,000.00
1@OKHDFCBANK
Transfer from
500.00
ANSARIIMRAN4232@OKAXIS

Perfios Insights Page 21 of 79

Monethics Funds Remittances

Top 10 Funds Remittances

Nov-20
Description Amount
Transfer to
16,300.00
VIKASPAL471@OKHDFCBANK
Transfer to
10,250.00
ABBASSHAIKH1541978@OKAXIS
Transfer to
SWIFTOBASWARAJ123@OKHDFCBAN 8,000.00
K
Transfer to
2,000.00
KKHAN031080@OKHDFCBANK
Transfer to
2,000.00
POOJARISHIVA395@OKAXIS
Transfer to
2,000.00
SHAIKHDANISH4U@OKAXIS
Transfer out 1,750.00
Insurance 1,733.00
Transfer to
1,000.00
ABDUL.TALIB003@OKHDFCBANK
Transfer to Q67487593@YBL 992.00
Dec-20
Description Amount
Loan 35,502.92
Transfer to
23,721.31
KUDOS.RAZORPAY@HDFCBANK
Transfer to FAIZKHANSAE123@YBL 20,001.00
Transfer to RAZORPAY@ICICI 17,155.65
Transfer to
4,400.00
ANSARIIMRAN4232@OKAXIS
Transfer to
4,000.00
KKHAN031080@OKHDFCBANK
Transfer to Wallet 3,595.00
Transfer to AAMIRSHAH1311-
2,500.00
1@OKHDFCBANK
Transfer to
2,300.00
VIKASPAL471@OKHDFCBANK
Transfer to
2,000.00
JASWANTLODHA9004@OKAXIS
Jan-21
Description Amount
Transfer to VIKASPAL471@OKSBI 15,000.00
Loan 9,056.88
Transfer to Wallet 6,895.00
Transfer to
3,540.90
KUDOS.RAZORPAY@HDFCBANK
Transfer to AAMIRSHAH1311-
1,500.00
1@OKHDFCBANK
Transfer to
1,058.00
OYOROOMS.RZP@HDFCBANK

Perfios Insights Page 22 of 79

Monethics Funds Remittances
Transfer to
1,000.00
ABDUL.TALIB003@OKHDFCBANK
Transfer to
1,000.00
FAROOQUESHAIKH261196@OKICICI
Transfer to HUSAINSHAIKH089-
1,000.00
1@OKAXIS
Transfer to JAMAFRI7866-1@OKAXIS 600.00
Feb-21
Description Amount
Transfer to
10,500.00
MOHSINS99999@OKHDFCBANK
Transfer to
6,500.00
BASWARAJPOOJARI86@OKICICI
Transfer to 7276100277@OKBIZAXIS 3,539.00
Salary Paid 2,550.00
Transfer to
1,000.00
SHAIKHFEROZ8424@OKSBI
Transfer to
700.00
BADSHASHAIK169@OKHDFCBANK
Transfer to
500.00
GPARANDEKAR28@OKAXIS
Transfer to RAHIMANSARI8276-
500.00
2@OKICICI
Transfer to
500.00
SHAIKHJAFAR72524@OKICICI
Utilities 448.00
Mar-21
Description Amount
Transfer to
9,000.00
MOHSINS99999@OKHDFCBANK
Transfer out 6,020.00
Transfer to RAJUNCT-
5,000.00
1@OKHDFCBANK
Transfer to MEHFOOZSHAIKH813.MS-
4,750.00
1@OKICICI
Transfer to
2,500.00
FAROOQUESHAIKH261196@OKICICI
Transfer to
2,000.00
ANSARIIMRAN4232@OKAXIS
Transfer to MAHESHPAWAR36585-
1,500.00
1@OKHDFCBANK
Transfer to 7021479511@YBL 1,300.00
Transfer to
1,005.00
BADSHASHAIK169@OKHDFCBANK
Transfer to MANOJNET40@OKAXIS 1,000.00
Apr-21
Description Amount
Transfer to MEHFOOZSHAIKH813.MS-
10,950.00
1@OKICICI
Transfer out 6,150.00
Transfer to
5,000.00
MAIZABEENS9@OKHDFCBANK

Perfios Insights Page 23 of 79

Monethics Funds Remittances
Transfer to
4,100.00
SHAIKHJAFAR72524@OKICICI
Transfer to
MOHAMMEDBILAL9920@OKHDFCBAN 4,000.00
K
Transfer to saadrocky124@oksbi 4,000.00
Transfer to MDGULREZSHAIKH45-
1,700.00
2@OKICICI
Transfer to 7021479511@YBL 1,600.00
Transfer to q67487593@ybl 1,500.00
Transfer to farzanashaikh7123@okaxis 1,100.00

Perfios Insights Page 24 of 79

 Bank Name
Monethics Account No. Obligation Sheet
HDFC Bank, India 50100289426619

Field Nov-20 Dec-20 Jan-21 Feb-21

Count of EMIs 0 8 1 0
Min Date 0 9 13 0
Max Date 0 18 13 0
EMI Amounts Dates
5596.41 0 9 0 0
1510.5 0 9 0 0
2022.86 0 15 0 0
6230.82 0 15 0 0
2526.36 0 16 0 0
6978.8 0 16 0 0
3029.86 0 18 0 0
7607.31 0 18 0 0
9056.88 0 0 13 0

Perfios Insights Page 25 of 79

Monethics Obligation Sheet

Mar-21 Apr-21 Total

0 0 9
0 0
0 0

0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

Perfios Insights Page 26 of 79

 Salary Xns

Sl. No. Date Cheque No. Description Amount Category

NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-

1 2020-11-02 TOUSIF SHAIKH-23003258731DC (IFSC 20,843.00 Transfer from SWIFTO UNIT OF API H
23003258731DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
2 2020-12-09 TOUSHIF SHAIKH-23215084881DC (IFSC 20,217.00 Transfer from SWIFTO UNIT OF API H
23215084881DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
3 2021-01-18 TOUSHIF SHAIKH-23437594121DC (IFSC 30,000.00 Transfer from SWIFTO UNIT OF API H
23437594121DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
4 2021-02-12 TOUSHIF SHAIKH-23592967181DC (IFSC 10,843.00 Transfer from SWIFTO UNIT OF API H
23592967181DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
5 2021-03-12 TOUSHIF SHAIKH-23778973071DC (IFSC 10,843.00 Transfer from SWIFTO UNIT OF API H
23778973071DC)
NEFT CR-ICIC0SF0002-SWIFTO UNIT OF API H-
6 2021-04-12 TOUSHIF SHAIKH-23985079131DC (IFSC 10,843.00 Transfer from SWIFTO UNIT OF API H
23985079131DC)

Perfios Insights Page 27 of 79

 Salary Xns
Mode of Salary Employer Name
Balance Month Identification Mode
Credit Matched?

20,920.83 Nov-20 NEFT Other Credit Not-Matched

22,018.28 Dec-20 NEFT Other Credit Not-Matched

32,381.92 Jan-21 NEFT Other Credit Not-Matched

11,798.82 Feb-21 NEFT Other Credit Not-Matched

10,944.57 Mar-21 NEFT Other Credit Not-Matched

11,492.82 Apr-21 NEFT Other Credit Not-Matched

Perfios Insights Page 28 of 79

 Same Party - Cr Dr
Month Party Name Cr Txns Cr Amount
Nov-20 IMRAANSHAIKH077@OKHD 1 1,000.00
Dec-20 IMRAANSHAIKH077@OKHD 3 1,700.00
Jan-21 IMRAANSHAIKH077@OKHD 0 0.00
Feb-21 IMRAANSHAIKH077@OKHD 0 0.00
Mar-21 IMRAANSHAIKH077@OKHD 2 2,500.00
Apr-21 IMRAANSHAIKH077@OKHD 0 0.00
Nov-20 9324153362@YBL 2 3,050.00
Dec-20 9324153362@YBL 0 0.00
Jan-21 9324153362@YBL 0 0.00
Feb-21 9324153362@YBL 0 0.00
Mar-21 9324153362@YBL 0 0.00
Apr-21 9324153362@YBL 0 0.00
Nov-20 POOJARISHIVA395@OKAX 3 2,050.00
Dec-20 POOJARISHIVA395@OKAX 1 1,000.00
Jan-21 POOJARISHIVA395@OKAX 0 0.00
Feb-21 POOJARISHIVA395@OKAX 0 0.00
Mar-21 POOJARISHIVA395@OKAX 1 500.00
Apr-21 POOJARISHIVA395@OKAX 1 100.00
Nov-20 BADSHASHAIK169@OKHDF 1 2,200.00
Dec-20 BADSHASHAIK169@OKHDF 0 0.00
Jan-21 BADSHASHAIK169@OKHDF 0 0.00
Feb-21 BADSHASHAIK169@OKHDF 0 0.00
Mar-21 BADSHASHAIK169@OKHDF 0 0.00
Apr-21 BADSHASHAIK169@OKHDF 0 0.00
Nov-20 SHAIKHJAFAR72524@OKI 1 1,000.00
Dec-20 SHAIKHJAFAR72524@OKI 0 0.00
Jan-21 SHAIKHJAFAR72524@OKI 0 0.00
Feb-21 SHAIKHJAFAR72524@OKI 3 7,500.00
Mar-21 SHAIKHJAFAR72524@OKI 1 200.00
Apr-21 SHAIKHJAFAR72524@OKI 1 4,100.00
Nov-20 AKBARSHAIKH759@OKICI 2 900.00
Dec-20 AKBARSHAIKH759@OKICI 0 0.00
Jan-21 AKBARSHAIKH759@OKICI 1 3,200.00
Feb-21 AKBARSHAIKH759@OKICI 0 0.00
Mar-21 AKBARSHAIKH759@OKICI 0 0.00
Apr-21 AKBARSHAIKH759@OKICI 0 0.00
Nov-20 MEHFOOZSHAIKH813.MS- 1 100.00
Dec-20 MEHFOOZSHAIKH813.MS- 0 0.00
Jan-21 MEHFOOZSHAIKH813.MS- 0 0.00
Feb-21 MEHFOOZSHAIKH813.MS- 0 0.00
Mar-21 MEHFOOZSHAIKH813.MS- 1 10,500.00
Apr-21 MEHFOOZSHAIKH813.MS- 0 0.00
Nov-20 ASIF84043@OKHDFCBANK 0 0.00
Dec-20 ASIF84043@OKHDFCBANK 1 200.00
Jan-21 ASIF84043@OKHDFCBANK 0 0.00
Feb-21 ASIF84043@OKHDFCBANK 1 100.00

Perfios Insights Page 29 of 79

 Same Party - Cr Dr
Mar-21 ASIF84043@OKHDFCBANK 0 0.00
Apr-21 ASIF84043@OKHDFCBANK 0 0.00
Nov-20 RAJUNCT-1@OKHDFCBANK 0 0.00
Dec-20 RAJUNCT-1@OKHDFCBANK 1 500.00
Jan-21 RAJUNCT-1@OKHDFCBANK 1 500.00
Feb-21 RAJUNCT-1@OKHDFCBANK 0 0.00
Mar-21 RAJUNCT-1@OKHDFCBANK 2 5,100.00
Apr-21 RAJUNCT-1@OKHDFCBANK 0 0.00
Nov-20 SHAMSHERMOHDARIF9321 0 0.00
Dec-20 SHAMSHERMOHDARIF9321 3 1,390.00
Jan-21 SHAMSHERMOHDARIF9321 0 0.00
Feb-21 SHAMSHERMOHDARIF9321 0 0.00
Mar-21 SHAMSHERMOHDARIF9321 0 0.00
Apr-21 SHAMSHERMOHDARIF9321 2 6,000.00
Nov-20 IBRAHIMSHAIKH43903@O 0 0.00
Dec-20 IBRAHIMSHAIKH43903@O 1 20,000.00
Jan-21 IBRAHIMSHAIKH43903@O 0 0.00
Feb-21 IBRAHIMSHAIKH43903@O 0 0.00
Mar-21 IBRAHIMSHAIKH43903@O 0 0.00
Apr-21 IBRAHIMSHAIKH43903@O 0 0.00
Nov-20 KKHAN031080@OKHDFCBA 0 0.00
Dec-20 KKHAN031080@OKHDFCBA 1 1,000.00
Jan-21 KKHAN031080@OKHDFCBA 0 0.00
Feb-21 KKHAN031080@OKHDFCBA 0 0.00
Mar-21 KKHAN031080@OKHDFCBA 0 0.00
Apr-21 KKHAN031080@OKHDFCBA 0 0.00
Nov-20 VIKASPAL471@OKHDFCBA 0 0.00
Dec-20 VIKASPAL471@OKHDFCBA 2 20,000.00
Jan-21 VIKASPAL471@OKHDFCBA 0 0.00
Feb-21 VIKASPAL471@OKHDFCBA 1 3,000.00
Mar-21 VIKASPAL471@OKHDFCBA 0 0.00
Apr-21 VIKASPAL471@OKHDFCBA 0 0.00
Nov-20 SHAIKHFEROZ8424@OKSB 0 0.00
Dec-20 SHAIKHFEROZ8424@OKSB 1 1,000.00
Jan-21 SHAIKHFEROZ8424@OKSB 0 0.00
Feb-21 SHAIKHFEROZ8424@OKSB 2 3,501.00
Mar-21 SHAIKHFEROZ8424@OKSB 0 0.00
Apr-21 SHAIKHFEROZ8424@OKSB 0 0.00
Nov-20 AAMIRSHAH1311-1@OKHD 0 0.00
Dec-20 AAMIRSHAH1311-1@OKHD 1 700.00
Jan-21 AAMIRSHAH1311-1@OKHD 0 0.00
Feb-21 AAMIRSHAH1311-1@OKHD 0 0.00
Mar-21 AAMIRSHAH1311-1@OKHD 0 0.00
Apr-21 AAMIRSHAH1311-1@OKHD 1 1,000.00
Nov-20 ABDUL.TALIB003@OKHDF 0 0.00
Dec-20 ABDUL.TALIB003@OKHDF 1 200.00
Jan-21 ABDUL.TALIB003@OKHDF 1 1,000.00

Perfios Insights Page 30 of 79

 Same Party - Cr Dr
Feb-21 ABDUL.TALIB003@OKHDF 1 2,000.00
Mar-21 ABDUL.TALIB003@OKHDF 0 0.00
Apr-21 ABDUL.TALIB003@OKHDF 0 0.00
Nov-20 MOHSINS99999-1@OKICI 0 0.00
Dec-20 MOHSINS99999-1@OKICI 1 100.00
Jan-21 MOHSINS99999-1@OKICI 0 0.00
Feb-21 MOHSINS99999-1@OKICI 0 0.00
Mar-21 MOHSINS99999-1@OKICI 0 0.00
Apr-21 MOHSINS99999-1@OKICI 0 0.00
Nov-20 9137793915@YBL 0 0.00
Dec-20 9137793915@YBL 0 0.00
Jan-21 9137793915@YBL 1 1.00
Feb-21 9137793915@YBL 0 0.00
Mar-21 9137793915@YBL 0 0.00
Apr-21 9137793915@YBL 0 0.00
Nov-20 8268404491@YBL 0 0.00
Dec-20 8268404491@YBL 0 0.00
Jan-21 8268404491@YBL 1 1,000.00
Feb-21 8268404491@YBL 0 0.00
Mar-21 8268404491@YBL 0 0.00
Apr-21 8268404491@YBL 0 0.00
Nov-20 FAROOQUESHAIKH261196 0 0.00
Dec-20 FAROOQUESHAIKH261196 0 0.00
Jan-21 FAROOQUESHAIKH261196 0 0.00
Feb-21 FAROOQUESHAIKH261196 1 1,000.00
Mar-21 FAROOQUESHAIKH261196 0 0.00
Apr-21 FAROOQUESHAIKH261196 0 0.00
Nov-20 ANSARIIMRAN4232@OKAX 0 0.00
Dec-20 ANSARIIMRAN4232@OKAX 0 0.00
Jan-21 ANSARIIMRAN4232@OKAX 0 0.00
Feb-21 ANSARIIMRAN4232@OKAX 2 600.00
Mar-21 ANSARIIMRAN4232@OKAX 1 500.00
Apr-21 ANSARIIMRAN4232@OKAX 1 500.00
Nov-20 GPARANDEKAR28@OKAXIS 0 0.00
Dec-20 GPARANDEKAR28@OKAXIS 0 0.00
Jan-21 GPARANDEKAR28@OKAXIS 0 0.00
Feb-21 GPARANDEKAR28@OKAXIS 2 300.00
Mar-21 GPARANDEKAR28@OKAXIS 0 0.00
Apr-21 GPARANDEKAR28@OKAXIS 0 0.00
Nov-20 7021479511@YBL 0 0.00
Dec-20 7021479511@YBL 0 0.00
Jan-21 7021479511@YBL 0 0.00
Feb-21 7021479511@YBL 1 1,000.00
Mar-21 7021479511@YBL 1 1,000.00
Apr-21 7021479511@YBL 0 0.00
Nov-20 BASWARAJPOOJARI86@OK 0 0.00
Dec-20 BASWARAJPOOJARI86@OK 0 0.00

Perfios Insights Page 31 of 79

 Same Party - Cr Dr
Jan-21 BASWARAJPOOJARI86@OK 0 0.00
Feb-21 BASWARAJPOOJARI86@OK 0 0.00
Mar-21 BASWARAJPOOJARI86@OK 1 452.00
Apr-21 BASWARAJPOOJARI86@OK 1 500.00
Nov-20 JALALMULLA18723@OKIC 0 0.00
Dec-20 JALALMULLA18723@OKIC 0 0.00
Jan-21 JALALMULLA18723@OKIC 0 0.00
Feb-21 JALALMULLA18723@OKIC 0 0.00
Mar-21 JALALMULLA18723@OKIC 1 200.00
Apr-21 JALALMULLA18723@OKIC 0 0.00
Nov-20 SS9312571-1@OKHDFCBA 0 0.00
Dec-20 SS9312571-1@OKHDFCBA 0 0.00
Jan-21 SS9312571-1@OKHDFCBA 0 0.00
Feb-21 SS9312571-1@OKHDFCBA 0 0.00
Mar-21 SS9312571-1@OKHDFCBA 0 0.00
Apr-21 SS9312571-1@OKHDFCBA 3 4,200.00

Perfios Insights Page 32 of 79

 Same Party - Cr Dr
Dr Txns Dr Amount
0 0.00
1 600.00
1 200.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 80.00
0 0.00
0 0.00
0 0.00
1 2,000.00
1 1,000.00
0 0.00
0 0.00
0 0.00
1 500.00
0 0.00
0 0.00
1 500.00
1 700.00
2 1,005.00
0 0.00
0 0.00
0 0.00
0 0.00
1 500.00
1 1,000.00
1 4,100.00
2 330.00
1 30.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 2,000.00
1 50.00
0 0.00
1 4,750.00
2 10,950.00
0 0.00
1 200.00
0 0.00
1 100.00

Perfios Insights Page 33 of 79

 Same Party - Cr Dr
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 5,000.00
0 0.00
1 300.00
2 1,200.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 1,500.00
0 0.00
0 0.00
0 0.00
0 0.00
1 2,000.00
2 4,000.00
0 0.00
0 0.00
0 0.00
0 0.00
3 16,300.00
2 2,300.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 1,000.00
0 0.00
0 0.00
1 500.00
1 2,500.00
1 1,500.00
0 0.00
0 0.00
0 0.00
1 1,000.00
0 0.00
1 1,000.00

Perfios Insights Page 34 of 79

 Same Party - Cr Dr
0 0.00
0 0.00
0 0.00
1 500.00
1 200.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 1.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 1,000.00
0 0.00
0 0.00
1 1,000.00
0 0.00
1 2,500.00
0 0.00
0 0.00
3 4,400.00
1 300.00
0 0.00
2 2,000.00
1 50.00
0 0.00
0 0.00
0 0.00
1 500.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 1,300.00
1 1,600.00
0 0.00
0 0.00

Perfios Insights Page 35 of 79

 Same Party - Cr Dr
0 0.00
1 6,500.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
0 0.00
1 400.00

Perfios Insights Page 36 of 79

Monethics Expense Analysis
Weekdays
ITEM Nov-20 Dec-20
Utility Payments 0.00 0.00
Credit Card Payments 0.00 0.00
Bank Charges 0.00 0.00
Loan 0.00 35,502.92
Cash Withdrawals 7,500.00 18,900.00
Investments 0.00 0.00

Weekends
ITEM Nov-20 Dec-20
Utility Payments 0.00 0.00
Credit Card Payments 0.00 0.00
Bank Charges 0.00 0.00
Loan 0.00 0.00
Cash Withdrawals 4,500.00 12,500.00
Investments 1,733.00 0.00

Perfios Insights Page 37 of 79

Monethics Expense Analysis

Jan-21 Feb-21 Mar-21 Apr-21

0.00 399.00 0.00 753.00
0.00 0.00 0.00 0.00
135.70 0.00 0.00 17.70
9,056.88 0.00 0.00 0.00
31,000.00 12,500.00 4,000.00 0.00
0.00 0.00 0.00 0.00

Jan-21 Feb-21 Mar-21 Apr-21

21.00 49.00 49.00 49.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
7,200.00 7,000.00 0.00 3,500.00
0.00 0.00 0.00 0.00

Perfios Insights Page 38 of 79

Monethics Expense Analysis

Total Average
1,152.00 192.00
0.00 0.00
153.40 25.57
44,559.80 7,426.63
73,900.00 12,316.67
0.00 0.00

Total Average
168.00 28.00
0.00 0.00
0.00 0.00
0.00 0.00
34,700.00 5,783.33
1,733.00 288.83

Perfios Insights Page 39 of 79

Monethics ITRV Details
ITRV Details
Personal Details
Name TOUSHIF SHAIKH
Address Room no 416 c wing manta society , , Dr ambed Kar naga , M
Pan EEBPS4165B
Status Individual
AadhaarNo NA

ITRV Information (Assessment Year : 2020-21)

Form Number ITR-4
Original/Revised 0
Designation Of AO
Acknowledgement Number 352485700130521
Date Of Submission 2021-05-13

Income Details (Assessment Year : 2020-21)

Gross Total Income 0
Deductions Under Chapter6A 0
Total Income 246770
Current Year Loss 0
Net Tax Payable 0
Interest Payable 1000
Total Tax And InterestPayable 1000
AdvanceTax 0
TDS 0
TCS 0
Self Assessment Tax 0
Total Tax Paid 2467
TaxPayable 0
Refund 1470
Agriculture 0
Others 0

Perfios Insights Page 40 of 79

Monethics ITRV Details

Perfios Insights Page 41 of 79

Monethics Statements Considered

File Name Institution Account No Transaction Start Date

NBF1 HDFC Bank, India 50100289426619 2/Nov/20

Perfios Insights Page 42 of 79

Monethics Statements Considered

Transaction End Date Name as in Statement Address as in Statement Mobile as in Statement

ROOM NO 416 C WING

MAMTA COP HSG,
SOCIETY DR AMBEDKAR
30/Apr/21 TOUSHIF SHAIKH NAGAR, MATUNGA XXXXX03573
LABOUR CAMP, MUMBAI,
MAHARASHTRA, 400019,
INDIA

Perfios Insights Page 43 of 79

Monethics Statements Considered

Landline as in Statement Email as in Statement PAN as in Statement Password Protected

SREHAN013@GMAIL.CO
EEBPS4165B No
M

Perfios Insights Page 44 of 79

Monethics Statements Considered

Statement Status Perfios Transaction Id

NA 6XFL1621587920041

Perfios Insights Page 45 of 79

Monethics FCU Indicators
# Possible Fraud Indicators Identified?
Account with Low vintage
1 Account opening date is available/ fetched and account opening date is N
less than a year from the generated date of this report.

Atm Cash withdrawal

2 ATM withdrawals with cheque number or mode of payment is N
NEFT/RTGS

Cash Deposit On Holidays

3 N
Cash Deposit transactions happening on holidays

Cheque deposit on holidays

4 Cheque deposit transactions happening on holidays N

Interest Credit Transactions

5 Take a look at all Interest credit transactions. They should be periodic. N
Savings account interest payments should be quarterly/half-yearly.

Interest transactions on holiday

6 N
Interest credited on a holiday

Neft transactions on holiday

7 NEFT mode of transactions happening on a holiday N

Rotation of Money
Cyclic deposit of funds into an account and withdrawal/transfer of funds
8 N
to another account after getting promotional interest or bonus from a
promotional scheme of a bank.

Rtgs transactions on holiday

9 N
RTGS mode of transactions happening on a holiday

Suspicious Salary Credits

10 N
Salary credits on bank holidays and round figure credits.

Suspicious ATM Withdrawals

11 ATM Withdrawals having amount not being multiple of 100, or outside N
the permissible range.

Suspicious bank eStatement

12 Suspicious bank eStatements are those statements having a Statement N
Status of "FRAUD" OR "REFER".

Perfios Insights Page 46 of 79

Monethics FCU Indicators

Suspicious RTGS Transactions

13 N
RTGS transactions have a minimum amount limit as prescribed by RBI.

Transactions on Bank holidays

14 NEFT, RTGS and cheque deposit transactions cannot happen on Bank N
holidays
Total number of types and count of Fraud indicators 0

# Behavioural/Transactional Indicators Identified?

Immediate big debit after Salary credit
15 Withdrawal of big amount of money soon after salary credit may be due N
to forged salary entries.

Cheque number in series

16 N
Cheque number should not be in series

EMI Cheque Bounce

17 N
Consecutive EMI Cheque bounce observed for the period

Credit EOD Balances

18 N
OD/CC account shows credit balance i.e, positive EOD balance

Credit Interest not reflecting

19 N
Interest credit transactions not reflecting in the account

Credit followed only by cash withdrawal

20 Cumulative Credits in a day through cheque/NEFT/RTGS/Cash deposit Y
followed by only cash withdrawals

Debit EOD Balances

21 Savings or Current Account shows debit balance i.e, negative EOD N
balance

Debit Interest not reflecting

22 N
Interest debit transactions not reflecting in the account

Discontinuity in credits/ receivables

23 For non-retail customers, identify if the delay between two successive N
credits is more than 15 days.

Equal Credit Debit

Total amount of credit is exactly same as the total amount of debit, or
24 N
total number of credit transactions is exactly same as the total number of
debit transactions - both scenarios are extremely unlikely.

Perfios Insights Page 47 of 79

Monethics FCU Indicators

Cash deposit higher than maximum salary

25 N
Cash deposit transactions with amount greater than maximum salary

Huge Balances
26 Huge Balances greater than specified amount threshold for durations N
greater than the specified time period

Immediate cash withdrawals after cash deposit

27 N
Withdrawal of huge % of cash deposited within less amount of time

Irregular Transactions
28 N
Total number of credit transactions is less than 20.

Irregular EMI Transaction

29 EMI/ECS type transactions which did not happen on Same day of every Y
Month.

30 Irregular Interest Charges N

Interest Charges which are not in all months within a narrow date range.

31 Irregular Salary Credits N

Salary Credits which are not in all months within a narrow date range.

Irregular Transfers to Parties

32 Transactions categorized as 'Transfer to ABC' which are not in all months Y
within a narrow date range.

Low Transactions
33 N
Month for which total number of transactions are less than 5.

More and frequent Cash Deposits than Salary

34 Higher number or amount of cash deposits than salary is an unlikely N
scenario.

Neft Imps with cheque number

35 N
NEFT or IMPS transactions with cheque number

Neft Imps Rtgs against salary

36 N
Salary transactions with mode NEFT, IMPS or RTGS

Negative EOD Balance

37 End of day bank balance on any day in an Savings account is unlikely to N
be negative.

No Monthly POS transactions

38 N
Months for which there no POS transactions

Perfios Insights Page 48 of 79

Monethics FCU Indicators

No Transactions in the Expected Range

39 N
Months for which there are no transactions before 5th and after 20th.

Only cash transactions

40 Maximum transactions involving cash deposit or withdrawals N

Parties present in both debits and credits

41 Y
List of parties who are both Suppliers and Buyers.

Rejected Statements
42 N
Statements edited by blacklisted editors, including online tools

Revenue Sheriff transactions

43 N
Tax default payments made to Revenue Sheriffs

44 Round figure Tax Payments N

Tax paid amounts are usually not round figures, such as multiple of 100.

Rounded salary transaction

45 N
Salary transactions with rounded amount value

Salary Credit Amount remains unchanged over extended period

46 Salary amount usually changes over time, particularly during the tail-end N
of financial year, due to change of TDS amount.

Salary through IMPS/ UPI

47 N
Identifies salary credits done through IMPS or UPI.

Suspicious mode of salary

48 N
Salary txns with mode of payment as IMPS, MPAY or cheque

Suspicious salary debits

49 Y
Transactions categorised as Salary Paid

Unusual Activity Of OD/CC Account

Count of debits and credits for a single day is less than 50% of average
50 N
monthly transaction count (debits + credits) or more than 50% of average
monthly transaction count (debits + credits).
Total number of types and count of Behavioural/ transactional indicators 5

20 Credit followed only by cash withdrawals

Cheque
Sl. No. Date Description Amount
No.
NWD-652166XXXXXX8733-CMN9003-MUMBAI
1 14-Jan-21 (10,000.00)
NOR (Ref# 101413292231)

Perfios Insights Page 49 of 79

Monethics FCU Indicators
NWD-652166XXXXXX8733-CMN9003-MUMBAI
2 14-Jan-21 (2,000.00)
NOR (Ref# 101413292232)
ATW-652166XXXXXX8733-S1ANMM02-MUMBAI
3 20-Jan-21 (10,000.00)
(Ref# 2405)

41 Parties present in both debits and credits

Sl. No. Party Name
1 IMRAANSHAIKH077@OKHD
2 9324153362@YBL
3 POOJARISHIVA395@OKAX
4 BADSHASHAIK169@OKHDF
5 SHAIKHJAFAR72524@OKI
6 AKBARSHAIKH759@OKICI
7 MEHFOOZSHAIKH813.MS-
8 ASIF84043@OKHDFCBANK
9 RAJUNCT-1@OKHDFCBANK
10 SHAMSHERMOHDARIF9321
11 IBRAHIMSHAIKH43903@O
12 KKHAN031080@OKHDFCBA
13 VIKASPAL471@OKHDFCBA
14 SHAIKHFEROZ8424@OKSB
15 AAMIRSHAH1311-1@OKHD
16 ABDUL.TALIB003@OKHDF
17 MOHSINS99999-1@OKICI
18 9137793915@YBL
19 8268404491@YBL
20 FAROOQUESHAIKH261196
21 ANSARIIMRAN4232@OKAX
22 GPARANDEKAR28@OKAXIS
23 7021479511@YBL
24 BASWARAJPOOJARI86@OK
25 SS9312571-1@OKHDFCBA
BACK
49 Salary Paid Transactions
Cheque
Sl. No. Date Description Amount
No.
UPI-YELLAPPA NAGAPPA KON-
1 13-Feb-21 KONKALAYELU786@OKSBI-SBIN0001266- (2,550.00)
104418914289-SALARY (Ref# 104418914289)

Perfios Insights Page 50 of 79

Monethics FCU Indicators
Count of Triggers

Perfios Insights Page 51 of 79

Monethics FCU Indicators

Remarks

Perfios Insights Page 52 of 79

Monethics FCU Indicators

10 out of 78 parties

Perfios Insights Page 53 of 79

Monethics FCU Indicators

25

30

Category Balance

Cash Withdrawal 7,730.42

Perfios Insights Page 54 of 79

Monethics FCU Indicators

Cash Withdrawal 5,730.42

Cash Withdrawal 579.52

BACK

Category Balance

Salary Paid 13,548.82

BACK

Perfios Insights Page 55 of 79

Monethics FCU Irregular Xns
29 Irregular EMI Transactions
Cheque
Group Sl. No. Date Description Amount Category Balance
No.

UPI-SI
CREVA
CAPITAL
SER-
KISSHT.
RAZORP
AY@HDF
CBANK-
HDFC000
1 1 ### (5,596.41) Loan ###
0499-
03440238
1138-
PAYMEN
T FROM
PHONE
(Ref#
34402381
138)

UPI-
RHINO
FINANCE
PRIVAT-
CASHXL.
RZP@HD
FCBANK-
HDFC000
1 2 ### 0053- (1,510.50) Loan 2,230.60
03445048
1968-
PAYMEN
T FROM
PHONE
(Ref#
34450481
968)

Perfios Insights Page 56 of 79

Monethics FCU Irregular Xns

UPI-
RHINO
FINANCE
PRIVAT-
CASHXL.
RZP@HD
FCBANK-
HDFC000
1 3 ### 0053- (2,022.86) Loan 1,676.10
03504620
2214-
PAYMEN
T FROM
PHONE
(Ref#
35046202
214)

UPI-
COMGO
OGLEAN
DROIDAP
PS-
KISSHAT
@IDFCB
ANK-
1 4 ### IDFB0040 (6,230.82) Loan 1,345.28
101-
03501068
7301-
PAYM681
88871813
1C2 (Ref#
35010687
301)

UPI-
RHINO
FINANCE
PRIVAT-
CASHXL.
RZP@HD
FCBANK-
HDFC000
1 5 ### 0053- (2,526.36) Loan 5,152.15
03519090
0873-
PAYMEN
T FROM
PHONE
(Ref#
35190900
873)

Perfios Insights Page 57 of 79

Monethics FCU Irregular Xns

UPI-
COMGO
OGLEAN
DROIDAP
PS-
KISSHAT
@IDFCB
ANK-
IDFB0040
1 6 ### (6,978.80) Loan 465.35
101-
03511608
2590-
PAYM816
81687145
2QH
(Ref#
35116082
590)

UPI-
RHINO
FINANCE
PRIVAT-
CASHXL.
RZP@HD
FCBANK-
HDFC000
1 7 ### 0053- (3,029.86) Loan 7,570.26
03536439
0599-
PAYMEN
T FROM
PHONE
(Ref#
35364390
599)

UPI-
COMGO
OGLEAN
DROIDAP
PS-
KISSHAT
@IDFCB
ANK-
IDFB0040
1 8 ### (7,607.31) Loan 6,043.73
101-
03531753
2641-
PAYM881
69398323
6WX
(Ref#
35317532
641)

Perfios Insights Page 58 of 79

Monethics FCU Irregular Xns

UPI-
COMGO
OGLEAN
DROIDAP
PS-
KISSHAT
@IDFCB
ANK-
1 9 13-Jan-21 IDFB0040 (9,056.88) Loan ###
101-
10131926
4335-
PAYM161
84483529
2LB (Ref#
10131926
4335)

BACK
32 Irregular Transfers to Parties
Cheque
Group Sl. No. Date Description Amount Category Balance
No.

UPI-MR
MOHD
AAMIR
MOHD I-
AAMIRSH
AH1311- Transfer to
1@OKHD AAMIRSH
1 1 ### FCBANK- (500.00) AH1311- 720.33
IDIB000A 1@OKHDF
023- CBANK
03091721
4157-UPI
(Ref#
30917214
157)

UPI-MR
MOHD
AAMIR
MOHD I-
AAMIRSH
AH1311- Transfer to
1@OKHD AAMIRSH
1 2 ### FCBANK- (2,500.00) AH1311- 1,285.51
IDIB000A 1@OKHDF
023- CBANK
03401413
4236-UPI
(Ref#
34014134
236)

Perfios Insights Page 59 of 79

Monethics FCU Irregular Xns

UPI-MR
MOHD
AAMIR
MOHD I-
AAMIRSH
AH1311- Transfer to
1@OKHD AAMIRSH
1 3 13-Jan-21 FCBANK- (1,500.00) AH1311- 5,930.42
IDIB000A 1@OKHDF
023- CBANK
10131969
4863-UPI
(Ref#
10131969
4863)

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 1 ### XIS- (2,000.00) RAN4232 17.83
BARB0M @OKAXIS
CMAHI-
03372257
2529-UPI
(Ref#
33722572
529)

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 2 ### XIS- (200.00) RAN4232 1,612.51
BARB0M @OKAXIS
CMAHI-
03412067
0010-UPI
(Ref#
34120670
010)

Perfios Insights Page 60 of 79

Monethics FCU Irregular Xns

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 3 ### XIS- (2,200.00) RAN4232 ###
BARB0M @OKAXIS
CMAHI-
03441870
1496-UPI
(Ref#
34418701
496)

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 4 08-Jan-21 XIS- (300.00) RAN4232 245.45
BARB0M @OKAXIS
CMAHI-
10081323
4794-UPI
(Ref#
10081323
4794)

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 5 ### XIS- (1,000.00) RAN4232 3,985.57
BARB0M @OKAXIS
CMAHI-
10692082
1208-UPI
(Ref#
10692082
1208)

Perfios Insights Page 61 of 79

Monethics FCU Irregular Xns

UPI-
IMRAN
HUSAIN
ANSARI-
ANSARII
MRAN42
32@OKA Transfer to
ANSARIIM
2 6 ### XIS- (1,000.00) RAN4232 3,429.32
BARB0M @OKAXIS
CMAHI-
10762058
1912-UPI
(Ref#
10762058
1912)

UPI-
BADSHA
SHAIKH
ZAMEER-
BADSHA
SHAIK16 Transfer to
9@OKHD BADSHASH
3 1 02-Jan-21 FCBANK- (500.00) AIK169@O 1,145.45
BARB0M KHDFCBA
CMAHI- NK
10022228
1457-UPI
(Ref#
10022228
1457)

UPI-
BADSHA
SHAIKH
ZAMEER-
BADSHA
SHAIK16 Transfer to
9@OKHD BADSHASH
3 2 ### FCBANK- (700.00) AIK169@O ###
BARB0M KHDFCBA
CMAHI- NK
10432065
5990-UPI
(Ref#
10432065
5990)

Perfios Insights Page 62 of 79

Monethics FCU Irregular Xns

UPI-
BADSHA
SHAIKH
ZAMEER-
BADSHA
SHAIK16 Transfer to
9@OKHD BADSHASH
3 3 ### FCBANK- (1,000.00) AIK169@O 9.82
BARB0M KHDFCBA
CMAHI- NK
10601804
1679-UPI
(Ref#
10601804
1679)

UPI-
BADSHA
SHAIKH
ZAMEER-
BADSHA
SHAIK16 Transfer to
9@OKHD BADSHASH
3 4 ### FCBANK- (5.00) AIK169@O 4.82
BARB0M KHDFCBA
CMAHI- NK
10602143
9247-UPI
(Ref#
10602143
9247)

UPI-
ABDUL
HAQUE-
GPAY-
11170732
848@OK Transfer to
GPAY-
BIZAXIS-
4 1 ### (700.00) 111764973 1,728.03
UTIB0000 69@OKBIZ
000- AXIS
03481511
3565-UPI
(Ref#
34815113
565)

Perfios Insights Page 63 of 79

Monethics FCU Irregular Xns

UPI-
ROMAAN
CANTEE
N-GPAY-
11176659
345@OK Transfer to
GPAY-
BIZAXIS-
4 2 ### (64.00) 111764973 955.82
UTIB0000 69@OKBIZ
000- AXIS
10430030
6611-UPI
(Ref#
10430030
6611)

UPI-BCB
HARISH
SHETTY
PA-
GPAY-
11176497 Transfer to
369@OK GPAY-
4 3 ### BIZAXIS- (20.00) 111764973 4,985.57
UTIB0000 69@OKBIZ
000- AXIS
10692046
9889-UPI
(Ref#
10692046
9889)

UPI-BCB
HARISH
SHETTY
PA-
GPAY-
11176497 Transfer to
369@OK GPAY-
4 4 ### BIZAXIS- (20.00) 111764973 1,221.57
UTIB0000 69@OKBIZ
000- AXIS
10702077
7334-UPI
(Ref#
10702077
7334)

Perfios Insights Page 64 of 79

Monethics FCU Irregular Xns

UPI-SHRI
SHOWAM
I
SAMART
H-GPAY-
11182048 Transfer to
871@OK GPAY-
4 5 ### BIZAXIS- (200.00) 111764973 2,229.32
UTIB0000 69@OKBIZ
000- AXIS
10771527
2967-UPI
(Ref#
10771527
2967)

UPI-
MEHFOO
Z
SHAIKH-
MEHFOO
ZSHAIKH
813.MS- Transfer to
MEHFOOZ
1@OKICI
5 1 ### (2,000.00) SHAIKH81 1,826.28
CI- 3.MS-
ICIC0003 1@OKICICI
450-
03471204
2598-UPI
(Ref#
34712042
598)

UPI-
MEHFOO
Z
SHAIKH-
MEHFOO
ZSHAIKH
813.MS- Transfer to
MEHFOOZ
1@OKICI
5 2 18-Jan-21 (50.00) SHAIKH81 2,381.92
CI- 3.MS-
ICIC0003 1@OKICICI
450-
10181477
1846-UPI
(Ref#
10181477
1846)

Perfios Insights Page 65 of 79

Monethics FCU Irregular Xns

UPI-
MEHFOO
Z
SHAIKH-
MEHFOO
ZSHAIKH
813.MS- Transfer to
MEHFOOZ
1@OKICI
5 3 ### (4,750.00) SHAIKH81 7,229.32
CI- 3.MS-
ICIC0003 1@OKICICI
450-
10811512
6537-UPI
(Ref#
10811512
6537)

UPI-
MEHFOO
Z
SHAIKH-
MEHFOO
ZSHAIKH
813.MS- Transfer to
MEHFOOZ
1@OKICI
5 4 13-Apr-21 (5,350.00) SHAIKH81 ###
CI- 3.MS-
ICIC0003 1@OKICICI
450-
11031820
9147-UPI
(Ref#
11031820
9147)

UPI-
MEHFOO
Z
SHAIKH-
MEHFOO
ZSHAIKH
813.MS- Transfer to
MEHFOOZ
1@OKICI
5 5 14-Apr-21 (5,600.00) SHAIKH81 4,542.82
CI- 3.MS-
ICIC0003 1@OKICICI
450-
11041343
2479-UPI
(Ref#
11041343
2479)

Perfios Insights Page 66 of 79

Monethics FCU Irregular Xns

UPI-OYO
ROOMS-
OYOROO
MS.RZP
@AXISB
ANK- Transfer to
OYOROO
UTIB0001
6 1 ### (759.00) MS.RZP@ 1,847.83
506- HDFCBAN
03251211 K
7182-
OYOROO
MS (Ref#
32512117
182)

UPI-OYO
ROOMS-
OYOROO
MS.RZP
@HDFCB
ANK- Transfer to
OYOROO
HDFC000
6 2 ### (933.00) MS.RZP@ 69.36
0499- HDFCBAN
03561186 K
2524-
OYOROO
MS (Ref#
35611862
524)

UPI-OYO
ROOMS-
OYOROO
MS.RZP
@HDFCB
ANK- Transfer to
OYOROO
HDFC000
6 3 20-Jan-21 (1,058.00) MS.RZP@ 8,021.52
0499- HDFCBAN
10201162 K
5767-
OYOROO
MS (Ref#
10201162
5767)

Perfios Insights Page 67 of 79

Monethics FCU Irregular Xns

UPI-OYO
ROOMS-
OYOROO
MS.RZP
@AXISB
ANK- Transfer to
OYOROO
UTIB0001
6 4 ### (964.00) MS.RZP@ 1,680.57
506- HDFCBAN
10721071 K
6010-
OYOROO
MS (Ref#
10721071
6010)

UPI-
PUJARI
SHIVA
RAMALU-
POOJARI
SHIVA39
5@OKAX Transfer to
POOJARIS
7 1 ### IS- (2,000.00) HIVA395@ 8,920.83
SRCB000 OKAXIS
0106-
03071842
5628-UPI
(Ref#
30718425
628)

UPI-
PUJARI
SHIVA
RAMALU-
POOJARI
SHIVA39
5@OKAX Transfer to
POOJARIS
7 2 ### IS- (1,000.00) HIVA395@ 3,024.38
SRCB000 OKAXIS
0106-
03421357
1080-UPI
(Ref#
34213571
080)

Perfios Insights Page 68 of 79

Monethics FCU Irregular Xns

UPI-
PUJARI
SHIVA
RAMALU-
POOJARI
SHIVA39
5@OKAX Transfer to
POOJARIS
7 3 02-Apr-21 IS- (500.00) HIVA395@ 52.82
SRCB000 OKAXIS
0106-
10921746
4748-UPI
(Ref#
10921746
4748)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 1 ### 3456- (10.00) Q6012691 1,220.33
03081151 3@YBL
7145-
PAYMEN
T FROM
PHONE
(Ref#
30811517
145)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 2 ### 3456- (20.00) Q6012691 3,106.83
03249158 3@YBL
6607-
PAYMEN
T FROM
PHONE
(Ref#
32491586
607)

Perfios Insights Page 69 of 79

Monethics FCU Irregular Xns

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
Transfer to
13@YBL-
8 3 ### (10.00) Q6012691 700.12
PYTM012 3@YBL
3456-
03522034
3950-UPI
(Ref#
35220343
950)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
Transfer to
13@YBL-
8 4 ### (10.00) Q6012691 ###
PYTM012 3@YBL
3456-
03532017
8936-UPI
(Ref#
35320178
936)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 5 11-Jan-21 3456- (20.00) Q6012691 1,685.20
10112750 3@YBL
1764-
PAYMEN
T FROM
PHONE
(Ref#
10112750
1764)

Perfios Insights Page 70 of 79

Monethics FCU Irregular Xns

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 6 21-Jan-21 3456- (10.00) Q6012691 9,221.72
10216259 3@YBL
1073-
PAYMEN
T FROM
PHONE
(Ref#
10216259
1073)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 7 28-Jan-21 3456- (10.00) Q6012691 98.82
10286345 3@YBL
0825-
PAYMEN
T FROM
PHONE
(Ref#
10286345
0825)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 8 ### 3456- (40.00) Q6012691 88.82
10546592 3@YBL
1347-
PAYMEN
T FROM
PHONE
(Ref#
10546592
1347)

Perfios Insights Page 71 of 79

Monethics FCU Irregular Xns

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
13@YBL-
PYTM012 Transfer to
8 9 ### 3456- (30.00) Q6012691 58.82
10551301 3@YBL
0033-
PAYMEN
T FROM
PHONE
(Ref#
10551301
0033)

UPI-
PRAKAS
H
DEVCHA
ND JAI-
Q601269
Transfer to
13@YBL-
8 10 ### (20.00) Q6012691 101.57
PYTM012 3@YBL
3456-
10711701
8312-UPI
(Ref#
10711701
8312)

UPI-
MOHAM
MAD
JAFAR
ABDUL-
SHAIKHJ
AFAR725 Transfer to
24@OKIC SHAIKHJAF
9 1 ### (500.00) AR72524 1,706.32
ICI-
BARB0M @OKICICI
CMAHI-
10371985
2023-UPI
(Ref#
10371985
2023)

Perfios Insights Page 72 of 79

Monethics FCU Irregular Xns

UPI-
MOHAM
MAD
JAFAR
ABDUL-
SHAIKHJ
AFAR725 Transfer to
24@OKIC SHAIKHJAF
9 2 ### (1,000.00) AR72524 121.57
ICI-
BARB0M @OKICICI
CMAHI-
10711193
5762-UPI
(Ref#
10711193
5762)

UPI-
MOHAM
MAD
JAFAR
ABDUL-
SHAIKHJ
AFAR725 Transfer to
24@OKIC SHAIKHJAF
9 3 13-Apr-21 (4,100.00) AR72524 ###
ICI-
BARB0M @OKICICI
CMAHI-
11031562
5336-UPI
(Ref#
11031562
5336)

UPI-
PHONEP
E-
EURONE
T@YBL-
YESB0YB
LUPI-
Transfer to
10 1 ### 03128438 (49.00) Wallet 471.33
5911-
PAYMEN
T FROM
PHONE
(Ref#
31284385
911)

Perfios Insights Page 73 of 79

Monethics FCU Irregular Xns

UPI-
PHONEP
E-
EURONE
T@YBL-
YESB0YB
LUPI-
Transfer to
10 2 ### 03331580 (599.00) Wallet 1,809.33
5285-
PAYMEN
T FROM
PHONE
(Ref#
33315805
285)

UPI-
PHONEP
E-
EURONE
T@YBL-
YESB0YB
LUPI-
Transfer to
10 3 ### 03493183 (39.00) Wallet 4,190.46
9308-
PAYMEN
T FROM
PHONE
(Ref#
34931839
308)

UPI-
PHONEP
E-
EURONE
T@YBL-
YESB0YB
LUPI-
Transfer to
10 4 19-Jan-21 10197682 (39.00) Wallet ###
6619-
PAYMEN
T FROM
PHONE
(Ref#
10197682
6619)

Perfios Insights Page 74 of 79

Monethics FCU Irregular Xns

UPI-ALIF
DHABA-
PAYTM-
57188709
@PAYTM
-
Transfer to
10 5 23-Jan-21 PYTM012 (3,300.00) Wallet 2,365.72
3456-
10230280
8859-UPI
(Ref#
10230280
8859)

UPI-
PAYTM-
ADD-
MONEY
@PAYTM
-
PYTM012
3456- Transfer to
10 6 ### (250.00) Wallet 1,241.57
10691483
3429-
OID13075
318023@
ADD
(Ref#
10691483
3429)

UPI-
RUMMY
REAL-
PAYTM-
61822485
@PAYTM
-
PYTM012 Transfer to
10 7 ### (50.00) Wallet 3,379.32
3456-
10770012
9099-
OIDPTM2
02103181
149 (Ref#
10770012
9099)

Perfios Insights Page 75 of 79

Monethics FCU Irregular Xns

UPI-
RUMMY
REAL-
PAYTM-
61822485
@PAYTM
-
PYTM012 Transfer to
10 8 04-Apr-21 (10.00) Wallet 2,046.82
3456-
10942599
2588-
OIDPTM2
02104041
243 (Ref#
10942599
2588)

UPI-
PAYTM-
ADD-
MONEY
@PAYTM
-
PYTM012
Transfer to
10 9 09-Apr-21 3456- (49.00) Wallet 799.82
10997277
7316-
OID20210
40915996
62 (Ref#
10997277
7316)

UPI-
RUMMY
REAL-
PAYTM-
61822485
@PAYTM
-
PYTM012 Transfer to
10 10 11-Apr-21 (50.00) Wallet 749.82
3456-
11000119
9050-
OIDPTM2
02104102
358 (Ref#
11000119
9050)

Perfios Insights Page 76 of 79

Monethics FCU Irregular Xns

UPI-
RUMMY
REAL-
PAYTM-
61822485
@PAYTM
-
PYTM012 Transfer to
10 11 11-Apr-21 (100.00) Wallet 649.82
3456-
11010146
7002-
OIDPTM2
02104110
053 (Ref#
11010146
7002)

UPI-
RUMMY
REAL-
PAYTM-
61822485
@PAYTM
-
PYTM012 Transfer to
10 12 11-Apr-21 (100.00) Wallet 649.82
3456-
11012116
6345-
OIDPTM2
02104111
958 (Ref#
11012116
6345)

UPI-
PhonePe-
EURONE
T@ybl-
YESB0YB
LUPI-
11158149 Transfer to
10 13 25-Apr-21 (47.00) Wallet 3,554.12
9234-
Payment
from
Phone
(Ref#
11158149
9234)

BACK

Perfios Insights Page 77 of 79

 Score range
300 to 600
Debit Score - 601 to 700
852
6XFL1621587920041 701 to 750
751 to 850
Greater than 850
 Interpretation
Poor
Fair
Good
Great
Excellent