Credit Health Report

Get a detailed understanding of your credit history, learn

about the factors that affect your CIBIL Score, and see how
you can manage your credit health like a pro!

Last refresh date: 24 December 2023

 Credit Score
Your CIBIL Score ranges between 300 and 900. A score of 700 or
higher can help you get better terms on loans and cards.

Personal Details
This includes your name, date of birth, PAN, Aadhaar, and other
details.

Credit Factors
The factors that affect your CIBIL Score such as repayment history,
credit utilisation, credit enquiries and more.

Account Summary
This offers an overview of all your loans and credit cards. It contains
the details of the lending institutions, account details, and more.

Credit Enquiry
An overview of all your credit enquiries – typically made by financial
institutions.

Do’s and Don’ts

The things you need to keep in mind to build a good credit history.
This will help you improve and maintain a good credit profile.
 Your credit score is Great
Congratulations, your credit score helps you get loan approval
763 with ease.

Lenders use credit scores to assess an individual's creditworthiness when considering loan
applications. A good credit score improves the chances of loan approvals at lower interest
rates, while a poor score may result in loan rejections or high-interest rates. It's crucial to
maintain a good credit score by paying debts on time, limiting credit utilisation, and not
applying for too much credit too frequently.

Trends
This chart helps you understand how your credit score has changed over time.

763 /900 ↓ 4 Points

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Personal details
Name Date of birth Gender
DEEPAK S 01/06/1984 Male
Identification type PAN
Income Tax ID Number XXXXXX209C
(PAN)

Contact information

Address 1
SADASIVAN HOUSE KERALA SENATE HOUSE CAMPUS TRIVANDRUM
Category Status Date Reported
Residence - 12/04/2023
Address 1
DISTRICT POLICE CHIEF OPPOSITE VIKAS BHAVAN BUSTAND NEAR SCHOOL
Category Status Date Reported
Office - 07/01/2022
Address 1
GOVERNMENT OF KERALA DISTRICT POLICE OFF ICE TRIVANDRUM RURAL PMG VIKAS
BHAVAN BU STAND PINCODE 695033 PMG
Category Status Date Reported
Office - 20/08/2021
Address 1
TRIVANDRUM
Category Status Date Reported
Office - 08/06/2021

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Contact information

Telephone number Telephone number Extension

type
Mobile Phone 918921560094 -
Mobile Phone 918921560094 -
Home Phone 04718921560094 -
Office Phone 4712346252 -
Email contact
Email address 1 MAILTDEEPAKS@GMAIL.COM

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Credit Factors
Your credit score is impacted by these factors

Repayment History FAIR Credit Card Utilisation FAIR

Record of all your past and present payments Percentage of credit utilised from the total credit
made to your lenders card amount extended by your lenders.
"You have made 99% payments on time (↑ 0.68% “You have utilised 80% amount of your total credit
change from last score refresh)" card limit (↓ 0.95% change from last score refresh)”
On time payments Total payments Utilised limit Total credit card limit
145 146 Rs. 2,34,674 Rs. 2,92,000

Types Of Credit BAD Length Of Credit History GOOD

Refers to the different accounts for credit cards Refers to the age of your oldest and newest
and loans and their nature whether secured or accounts to determine the average credit age
unsecured. “Your oldest account is 95 months old (↓ 66%
“Your secured loans to total loans ratio is 0% (→ 0% change from last score refresh)”
change from last score refresh)”
Secured loan balance Unsecured loan balance Oldest account Newest account
- Rs. 7,19,835 95 months - months

Credit Enquiries BAD

Every time a lender checks your credit score after

you apply for a loan or credit card
“There have been 32 enquiries on your PAN (→ 0%
change from last score refresh)”
Total enquiries till Enquiries in past 3
date months
32 7

The CIBIL Score essentially helps lenders decide whether you should be given a loan. It is
important to understand the factors that influence your score to ensure that you have a good
score that will help you access funds when you need them. For example, your CIBIL Score
increases once you successfully clear an existing loan and decreases when you make a large
number of loan enquiries.

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Account Summary
View all your loans and credit cards summary in one place.

Good Account Bad Account

Indicates that you have Indicates that you may
made all your EMIs on time. have missed a few EMIs.

Credit card
Timely payments and responsible credit card usage can positively impact your credit report.
Personal Loan
Applying for multiple personal loans within a short timeframe may raise concerns among lenders.
Auto Loan
Co-signing an auto loan for someone else can impact your credit report. If the primary borrower
misses payments, it can negatively affect your credit standing.
Home Loan
A home loan with a low debt-to-income ratio can positively impact your credit report.
Other Loan
A diverse credit mix that includes various types of loans can benefit your credit report.

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Personal Loan | FEDERAL BANK
Sanctioned loan amount: Rs. 1,80,000 Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Personal Loan 75007600395235 Rs. 1,80,000
Current balance Cash limit Amount overdue
Rs. 1,80,000 - -
Rate of interest Repayment tenure EMI amount
17 48 Rs. 5,194
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
26/11/2023 - 30/11/2023
Payment start date Payment end date Date of last payment
01/11/2023 01/11/2023 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Other | ADITYA BIRLA F L
Sanctioned loan amount: Rs. 1,04,000 Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Other LXW-M09023-242933804 Rs. 1,04,000
Current balance Cash limit Amount overdue
Rs. 1,04,000 - -
Rate of interest Repayment tenure EMI amount
- - Rs. 6,886
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
20/10/2023 - 31/10/2023
Payment start date Payment end date Date of last payment
01/10/2023 01/10/2023 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Consumer Loan | HDB
Sanctioned loan amount: Rs. 15,197 Ownership: Individual
Date of last payment: 02/11/2023

Account Details:
Type of account Account number Sanctioned loan amount
Consumer Loan 36627564 Rs. 15,197
Current balance Cash limit Amount overdue
Rs. 3,460 - -
Rate of interest Repayment tenure EMI amount
- 9 Rs. 1,832
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
12/07/2023 - 30/11/2023
Payment start date Payment end date Date of last payment
01/07/2023 01/11/2023 02/11/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Personal Loan | BAJAJ FIN LTD
Sanctioned loan amount: Rs. 2,22,982 Ownership: Individual
Date of last payment: 02/10/2023

Account Details:
Type of account Account number Sanctioned loan amount
Personal Loan P414PPP7334102 Rs. 2,22,982
Current balance Cash limit Amount overdue
Rs. 1,92,376 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
06/04/2023 - 30/11/2023
Payment start date Payment end date Date of last payment
01/04/2023 01/11/2023 02/10/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Other | ADITYA BIRLA F L
Sanctioned loan amount: Rs. 30,000 Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Other LXW-M06822-231828753 Rs. 30,000
Current balance Cash limit Amount overdue
Rs. 5,325 - -
Rate of interest Repayment tenure EMI amount
- - Rs. 2,765
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
09/12/2022 - 31/10/2023
Payment start date Payment end date Date of last payment
01/12/2022 01/10/2023 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- ---

2022 --- --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Personal Loan | IDFC FIRST BANK
Sanctioned loan amount: Rs. 30,000 Ownership: Individual
Date of last payment: 02/02/2022

Account Details:
Type of account Account number Sanctioned loan amount
Personal Loan FLIPKART-51085188 Rs. 30,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 24 -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
10/11/2021 - 30/11/2023
Payment start date Payment end date Date of last payment
01/11/2021 01/11/2023 02/02/2022

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 ---

2022

2021 --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | HDFC BANK
Sanctioned loan amount: Rs. 97,524 Ownership: Individual
Date of last payment: 30/10/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0001016240008356950 Rs. 97,524
Current balance Cash limit Amount overdue
Rs. 49,030 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
05/09/2023 - 30/11/2023
Payment start date Payment end date Date of last payment
01/09/2023 01/11/2023 30/10/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | AXIS BANK
Sanctioned loan amount: Rs. 13,577 Ownership: Individual
Date of last payment: 30/11/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 102000014336538 Rs. 13,577
Current balance Cash limit Amount overdue
Rs. 45,612 Rs. 15,600 -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
08/06/2023 - 30/11/2023
Payment start date Payment end date Date of last payment
01/06/2023 01/11/2023 30/11/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | RBL BANK LTD
Sanctioned loan amount: Rs. 51,260 Ownership: Individual
Date of last payment: 30/11/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0007478700048874724 Rs. 51,260
Current balance Cash limit Amount overdue
Rs. 47,991 Rs. 2,009 -
Rate of interest Repayment tenure EMI amount
45 - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
18/03/2023 - 12/12/2023
Payment start date Payment end date Date of last payment
01/04/2023 01/12/2023 30/11/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | RBL BANK LTD
Sanctioned loan amount: - Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0007478830003498274 -
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
18/03/2023 - 12/04/2023
Payment start date Payment end date Date of last payment
01/04/2023 01/04/2023 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | SBI CARD
Sanctioned loan amount: Rs. 62,201 Ownership: Individual
Date of last payment: 05/11/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0004611199675464716 Rs. 62,201
Current balance Cash limit Amount overdue
Rs. 61,199 Rs. 3,000 -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
30/11/2021 - 08/12/2023
Payment start date Payment end date Date of last payment
01/01/2022 01/12/2023 05/11/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023

2022 ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | ICICI BANK
Sanctioned loan amount: Rs. 58,310 Ownership: Individual
Date of last payment: 07/11/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0000000020162831 Rs. 58,310
Current balance Cash limit Amount overdue
Rs. 30,842 Rs. 8,000 -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
30/07/2021 - 21/11/2023
Payment start date Payment end date Date of last payment
01/08/2021 01/11/2023 07/11/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 ---

2022

2021 --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED
Other | ADITYA BIRLA F L
Sanctioned loan amount: Rs. 95,000 Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Other LXW-M09022-232248593 Rs. 95,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - Rs. 6,430
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
06/03/2023 20/10/2023 31/10/2023
Payment start date Payment end date Date of last payment
01/03/2023 01/10/2023 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED
Personal Loan | IDFC FIRST BANK
Sanctioned loan amount: Rs. 25,000 Ownership: Individual
Date of last payment: 02/03/2022

Account Details:
Type of account Account number Sanctioned loan amount
Personal Loan 66592818 Rs. 25,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 12 -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
02/03/2022 09/11/2022 30/11/2022
Payment start date Payment end date Date of last payment
01/03/2022 01/11/2022 02/03/2022

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2022 --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED
Gold Loan | MANAPPURAM
Sanctioned loan amount: Rs. 14,000 Ownership: Individual
Date of last payment: 28/06/2016

Account Details:
Type of account Account number Sanctioned loan amount
Gold Loan 0100780700801329 Rs. 14,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
12/01/2016 28/06/2016 15/08/2016
Payment start date Payment end date Date of last payment
01/01/2016 01/08/2016 28/06/2016

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2016 --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Dos & Dont’s to improve your CIBIL score
Do’s
Pay your bills on time: Make sure to pay your
credit card bills and loan EMIs on time. This is
the most important factor that affects your
CIBIL Score.
Check your credit report regularly: Check your
credit report regularly and ensure that all the
information on it is correct. If you find any
discrepancies, report them to the credit
bureau immediately.
Keep your credit utilisation low: Try to keep
your credit utilisation ratio below 30%. This
means that you should not use more than
30% of your credit limit.
Diversify your credit portfolio: Having a mix of
different types of credit, such as a credit
card, a personal loan, and a home loan can
improve your CIBIL Score.
Maintain a long credit history: The longer your
credit history, the better it is for your CIBIL
Score. So, avoid closing old credit accounts,
as they add to your credit history.
Set up automatic payments: Setting up
automatic payments for your bills and loans
will ensure that you don't miss any payments.
The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors
Dont’s
Don't apply for too much credit at once: Avoid
applying for too many loans or credit cards at
the same time. This can make you look credit
hungry and can negatively affect your CIBIL
Score.
Don't default on your payments: Missing
payments or defaulting on your loans can
have a severe impact on your CIBIL Score.
Don't close old credit accounts: Closing old
credit accounts can reduce the length of your
credit history, which can negatively impact
your CIBIL Score.
Don't exceed your credit limit: Try not to
exceed your credit limit, as this can show that
you are unable to manage your finances.
Don't ignore your credit report: Ignoring your
credit report can lead to errors or fraud going
unnoticed, which can negatively impact your
CIBIL Score.
Don't co-sign for loans: Co-signing for
someone else's loan can negatively affect
your CIBIL Score if they default on the loan.
Account Summary Do's and Don'ts Credit Enquiry >
 Credit Enquiry Information
Member name Date of enquiry Enquiry purpose Enquiry amount
SBI 29/11/2023 Personal Loan 3,00,000
FEDERAL BANK 25/11/2023 Personal Loan 10,000
EARLYSALARY 25/11/2023 Personal Loan 2,00,000
PAYUFINAN 25/11/2023 Personal Loan 5,000
ICICI BANK 25/11/2023 Personal Loan 5,00,000
VIVIFIN 25/11/2023 Personal Loan 17,500
ADITYA BIRLA F L 20/10/2023 Personal Loan 1,04,000
HDFC BANK 04/09/2023 Credit Card 1,000
HDFC BANK 28/08/2023 Credit Card 1,000
HDFC BANK 23/08/2023 Credit Card 1,000
HDB 06/07/2023 Consumer Loan 50,000
INDUSIND BANK 09/06/2023 Credit Card 50,000
AXIS BANK 24/05/2023 Credit Card 10,000
HDFC BANK 26/04/2023 Credit Card 1,000
BAJAJ FIN LTD 06/04/2023 Other 1,50,000
BAJAJ FIN LTD 06/04/2023 Other 1,50,000
BAJAJ FIN LTD 05/04/2023 Other 1,50,000
RBL BANK LTD 16/03/2023 Credit Card 1,000
AXIS BANK 09/03/2023 Credit Card 10,000
ADITYA BIRLA F L 06/03/2023 Personal Loan 95,000
IDFC FIRST BANK 30/01/2023 Credit Card 20,000
NAHAR 09/12/2022 Consumer Loan 50,000
AXIS BANK 09/09/2022 Credit Card 10,000
SBI CARD 18/06/2022 Credit Card 100
IDFC FIRST BANK 02/03/2022 Consumer Loan 10,000
SBI CARD 25/11/2021 Credit Card 100
IDFC FIRST BANK 22/09/2021 Consumer Loan 10,000
IDFC FIRST BANK 22/09/2021 Consumer Loan 10,000
SBI CARD 16/09/2021 Credit Card 100
ICICI BANK 27/07/2021 Credit Card 10,000
SBI CARD 08/06/2021 Credit Card 100
SBI CARD 08/06/2021 Credit Card 100

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
End of Credit Health Report
Disclaimer: "All information contained in this credit report has been collated by TransUnion CIBIL Limited (TU
CIBIL) based on information provided/ submitted by its various members("Members"), as part of periodic data
submission and Members are required to ensure accuracy, completeness and veracity of the information
submitted. The credit report is generated using the proprietary search and match logic of TU CIBIL. TU CIBIL
uses its best efforts to ensure accuracy, completeness and veracity of the information contained in the
Report and shall only be liable and / or responsible if any discrepancies are directly attributable to TU CIBIL.
The use of this report is governed by the terms and conditions of the Operating Rules for TU CIBIL and its
Members."

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >