BureauLink Ref#: 29522049

Application ID: RLMS

CONSOLIDATED CONSUMER CREDIT REPORT Date of Request 28-08-2023 10:55:48
Date of Issue 28-08-2023 10:59:57

INQUIRY INPUT INFORMATION

Name: SONU S/O JAGPAL DOB/Age: 07-06-1992 Gender : Male
Father: Spouse: Mother:
Phone Number(s) 8: 082574002 ID(s): DUDPS5144D[PAN] Email ID(s): RATHEESONU945@GMAIL.COM
Address(es)
Permanent : S/O JAGPAL, LAKHAN MAJRA, LAKHAN MAJRA(9 5), , , ROHTAK Haryana 124514
Residence :
Office :

BUREAU RESPONSES SUMMARY

Bureau Control Ref Status Error
CIBIL 1252371909 SUCCESS
Experian 1693200463732 SUCCESS

CREDIT SCORE
Bureau SCORE NAME RANGE SCORE SCORING FACTORS(Upto 4 only)
1. HIGH PROPORTION OF OUTSTANDING TRADES
CIBIL CreditVision Score 300-900 00769 2. PRESENCE OF SEVERE DELINQUENCY
3. HIGH BALANCE BUILD-UP ON NON-MORTGAGE LOANS
1. Low average trade age
CIBIL Personal Loan Score 300-900 00710 2. Presence of a high number of enquiries
3. Low proportion of satisfactory trades
Experian 300-900 812
ACCOUNT SUMMARY
Tip: Current Balance & Sanctioned Amount is considered ONLY for ACTIVE accounts.

NUMBER OF ACCOUNT(S) & INQUIRIES

TOTAL ACTIVE CLOSED ZERO BALANCE NO. OF NO. OF NO. OF

Bureau
ACCOUNT(S) ACCOUNT(S) ACCOUNT(S) ACCOUNT(S) INQUIRIES(TOTAL) INQUIRIES IN 30 DAYS INQUIRIES IN 60 DAYS
CIBIL 8 4 3 4 18 5 6
Experian 6 2 4 4 10 1
AMOUNT(S) & HISTORY

Bureau SANCTIONED AMOUNT CURRENT BALANCE OVERDUE BALANCE LENGTH OF CREDIT HISTORY AVERAGE ACCOUNT AGE
CIBIL 2,218,634 2,049,240 0
Experian 1,993,954 0

ACCOUNT HISTORY
1 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 95,156 DISBURSED ON : 22-07-2023

ACCOUNT INFO
 Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-07-2023 No Collateral
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 95,156
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2023 - - - - - - 000 - - - - -
2 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 1,800 DISBURSED ON : 18-07-2023

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-07-2023 No Collateral
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL Monthly 1,800
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2023 - - - - - - 000 - - - - -
3 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 320,000 DISBURSED ON : 14-10-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL SBI 00000041351873980 31-07-2023
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 6,141Monthly 292,089
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
 January February March April May June July August September October November December
2023 STD STD STD STD STD STD STD - - - - -
2022 - - - - - - - - - STD STD STD
4 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 1,800,000 DISBURSED ON : 13-10-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-07-2023 01-07-2023 No Collateral
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 34,072Monthly 1,660,195
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2023 000 000 000 000 000 000 000 - - - - -
2022 - - - - - - - - - 000 000 000
5 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 400,000 DISBURSED ON : 07-04-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL SBI 00000040904588270 30-11-2022 21-10-2022 05-11-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 18,569Monthly 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2022 - - - STD STD STD STD STD STD STD STD -
6 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 150,000 DISBURSED ON : 08-04-2020

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL SBI 00000039253438458 30-04-2022 31-08-2021 07-04-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 2,962Monthly 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2022 STD STD STD STD - - - - - - - -
2021 STD STD STD STD STD 029 029 STD STD XXX STD STD
2020 - - - STD STD STD STD STD STD STD STD STD
7 ACCOUNT TYPE : Auto Loan (Personal) SANCTIONED AMOUNT : 260,000 DISBURSED ON : 10-01-2018

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-12-2021 14-12-2021 15-12-2021
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL Monthly 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2021 000 000 000 000 000 000 000 000 000 000 XXX 000
2020 000 000 000 000 000 000 000 000 000 000 000 000
2019 000 000 000 000 000 000 000 000 000 000 000 000
8 ACCOUNT TYPE : Credit Card SANCTIONED AMOUNT : 1,678 DISBURSED ON : 31-01-2016

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 16-06-2022 16-03-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 17,000 Monthly 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2022 000 000 000 000 000 000 - - - - - -
2021 000 000 003 000 000 000 000 000 000 XXX 000 000
2020 000 000 000 000 000 000 000 000 000 000 000 000
 2019 - - - - - - XXX 000 000 000 000 000
9 ACCOUNT TYPE : CREDIT CARD SANCTIONED AMOUNT : 1,678 DISBURSED ON : 31-01-2016

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian XXXXXXXXXX XXXXXXXXXXXXXXX3467 16-06-2023 16-03-2022 11-10-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 17,000 0 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian CLOSED
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2023 0 0 - 0 0 0 - - - - - -
2022 0 0 0 0 0 0 0 0 0 - - 0
2021 0 0 3 - 0 0 0 0 0 0 0 0
2020 0 0 0 0 0 0 0 - 0 0 0 0
2019 0 0 0 0 0 0 0 0 0 0 0 0
2018 0 - 0 - 0 0 0 0 0 0 0 0
2017 0 0 0 0 0 0 0 0 0 0 0 0
2016 - - - - - - - - - 0 0 0
10 ACCOUNT TYPE : AUTO LOAN SANCTIONED AMOUNT : 260,000 DISBURSED ON : 10-01-2018

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian XXXXXXXXXX XXXXX023C 31-12-2021 14-12-2021 15-12-2021
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 0 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian CLOSED No Suit Filed 0
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2021 0 0 0 0 0 0 0 0 0 0 0 0
2020 0 0 0 0 0 0 0 0 0 0 0 0
2019 0 0 0 0 0 0 0 0 0 0 0 0
2018 0 - 0 - 0 0 0 0 0 0 - 0
11 ACCOUNT TYPE : PERSONAL LOAN SANCTIONED AMOUNT : 150,000 DISBURSED ON : 08-04-2020

ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian State Bank of India 00000039253438458 30-04-2022 07-04-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian CLOSED 0 0 0
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2022 - - - - - - - - - - - -
2021 - - - - - 29/S 29/S - - - - -
2020 - - - - - - - - - - - -
12 ACCOUNT TYPE : PERSONAL LOAN SANCTIONED AMOUNT : 400,000 DISBURSED ON : 07-04-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian State Bank of India 00000040904588270 30-11-2022 05-11-2022
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 0
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian CLOSED 0 0 0
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2022 - - - - - - - - - - - -
13 ACCOUNT TYPE : PERSONAL LOAN SANCTIONED AMOUNT : 320,000 DISBURSED ON : 14-10-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian State Bank of India 00000041351873980 30-06-2023
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 295,453
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian ACTIVE 0 0 0
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
 January February March April May June July August September October November December
2023 - - - - - - - - - - - -
2022 - - - - - - - - - - - -
14 ACCOUNT TYPE : PERSONAL LOAN SANCTIONED AMOUNT : 1,800,000 DISBURSED ON : 13-10-2022

ACCOUNT INFO

Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
Experian XXXXXXXXXX XXXXXXXXXXXX7625 31-05-2023 01-05-2023 0
AMOUNT(S)

Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
Experian 1,698,501
STATUS

Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
Experian ACTIVE 0 0 0
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

January February March April May June July August September October November December
2023 0 0 0 0 0 - - - - - - -
2022 - - - - - - - - - 0 0 0

INQUIRIES (reported for past 24 months)

Bureau MEMBER NAME DATE PURPOSE OWNERSHIP AMOUNT
CIBIL NOT DISCLOSED 19-08-2023 Personal Loan 2,000,000
CIBIL NOT DISCLOSED 18-08-2023 Personal Loan 95,000
CIBIL NOT DISCLOSED 16-08-2023 Other 150,000
CIBIL NOT DISCLOSED 16-08-2023 Personal Loan 30,000
CIBIL NOT DISCLOSED 05-08-2023 Personal Loan 2,050,000
CIBIL NOT DISCLOSED 22-07-2023 Personal Loan 76,124
CIBIL NOT DISCLOSED 21-05-2023 Personal Loan 3,000
CIBIL SBI 10-04-2023 Personal Loan 100,000
CIBIL NOT DISCLOSED 13-01-2023 Personal Loan 95,000
CIBIL NOT DISCLOSED 15-10-2022 Credit Card 10,000
CIBIL SBI 11-10-2022 Personal Loan 320,000
CIBIL NOT DISCLOSED 10-10-2022 Personal Loan 1,500,000
CIBIL NOT DISCLOSED 08-07-2022 Credit Card 100
CIBIL NOT DISCLOSED 09-05-2022 Credit Card 100
CIBIL NOT DISCLOSED 07-04-2022 Credit Card 100
CIBIL SBI 06-04-2022 Personal Loan 400,000
CIBIL SBI 06-04-2022 Business Loan – Priority Sector – Agriculture 200,000
CIBIL SBI 11-02-2022 Personal Loan 1,200,000
EXPERIAN XXXXXXXXXX 24-07-2023 Others NaN
EXPERIAN State Bank of India 11-02-2022 Personal Loan 1,200,000
EXPERIAN XXXXXXXXXX 14-12-2021 Personal Loan 0
EXPERIAN XXXXXXXXXX 18-08-2023 Others 0

PERSONAL INFO VARIATIONS

ID VARIATIONS
Bureau Pan Passport Driving License Voter ID Ration Card UID Additional ID
PHONE & EMAIL VARIATIONS

ADDRESS VARIATIONS

EMPLOYMENT INFORMATION
Bureau ACCOUNT TYPE REPORTED DATE OCCUPATION INCOME NET/GROSS INCOME Monthly INCOME Monthly/ANNUAL DISPUTE DATE DISPUTE REMARKS
CIBIL Personal Loan 31-07-2023 Salaried

APPENDIX
SECTION CODE DESCRIPTION
Account Summary Number of Delinquent Accounts Indicates number of accounts that the applicant has defaulted on within the last 6 months
Account Information - Credit Grantor xxxx Name of grantor undisclosed as credit grantor is different from inquiring institution
Account Information - Account # xxxx Account Number undisclosed as credit grantor is different from inquiring institution
Payment History / Asset Classification XXX Field not reported by institution
Payment History / Asset Classification - Not applicable
Payment History / Asset Classification STD Account Reported as STANDARD Asset
Payment History / Asset Classification SUB Account Reported as SUB-STANDARD Asset
Payment History / Asset Classification DBT Account Reported as DOUBTFUL Asset
Payment History / Asset Classification LOS Account Reported as LOSS Asset
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Payment History / Asset Classification 000 Current account
Payment History / Asset Classification CLSD Paid or closed account/zero balance
Payment History / Asset Classification NEW New Account
Payment History / Asset Classification LNSB Loan Submitted
Payment History / Asset Classification LAND Loan Approved, Not Yet Disbursed
Payment History / Asset Classification INAC Account is Inactive
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Payment History / Asset Classification CON Contact Member for Status
Payment History / Asset Classification 01+ 1-30 days past due
Payment History / Asset Classification 31+ 31-60 days past due
Payment History / Asset Classification 61+ 61-90 days past due
Payment History / Asset Classification 91+ 91-120 days past due
Payment History / Asset Classification 121+ 121 - 179 days past due
Payment History / Asset Classification 181+ 180 or more days past due
Payment History / Asset Classification DEC Loan Declined
Payment History / Asset Classification PWOS Post Written Off Settled
Payment History / Asset Classification SPM Special Mention
Payment History / Asset Classification SUB Sub-standard
Payment History / Asset Classification RES Restructured Loan
Payment History / Asset Classification RGM Restructured Loan - Govt Mandate
Payment History / Asset Classification SET Settled
Payment History / Asset Classification DBT Doubtful
Payment History / Asset Classification FPD First Payment Default
Payment History / Asset Classification * Data Not Reported
Payment History / Asset Classification WOF Charge Off/Written Off
Payment History / Asset Classification WDF Wilful Default
Payment History / Asset Classification SF Suit Filed
Payment History / Asset Classification SFWD Suit Filed, Wilful Default
Payment History / Asset Classification SFWO Suit Filed and Written Off
Payment History / Asset Classification WDWO Wilful Default and Written Off
Payment History / Asset Classification SWDW Suit Filed, Wilful Default, and Written Off
---------------------------------END OF REPORT---------------------------------