CONSUMER CREDIT REPORT V2.

0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Consumer Name: NIRBHYA JAIN

Personal Information Identification Contact Details
Previous Name: PAN: BBPPJ7777J Home : 9899908808
Alias Name: Voter ID: Office :
DOB: 24-03-1985 Passport ID: Mobile : 9899908808
Age: 40 Years 2 Months UID: Alt. Home/Other No. :
Gender: Male Driver's License: Alt. Office :
Monthly Family Income : Ration Card: Alt. Mobile :
Income - Reported Date : Photo Credit Card: Email: [email protected]
Occupation: SALARIED ID - Other: 40005034295077
NREGA card number:
CKYC:

Consumer Address:
Type Address State Postal Date Reported
Primary S/O MOTI LAL JAIN H,NO X 183/1 GALI,NO 9 BRAHAMPURI BHAJAN DL 110053 28-02-2025
PURA GHONDA NORTH EAST DELHI INDIA SHIV MANDIR 110053
Primary H NO-X-183/1 GALI NO-9 BRAHAMPURI GHONDA SHIV MANDIR DELHI DL 110053 31-01-2025
110053
Primary H NO X 183 1 GALI,NO 9 GHONDA BRAHAMPURI NORTH EAST 7077 DL 110053 30-11-2024
DELHI
Primary H NO-X-183/1 GALI NO-9 DELHI BHAJAN PURI GONDA SHIV MANDIR DL 110053 30-04-2024
110053
Primary H NO-X-183/1 GALI NO-9 DELHI BHAJAN PURI GONDA 110053 DL 110053 30-09-2023

Score Detail(s):
Score Name Score ScoringElement
Equifax Risk Score 4.0 794 1 . Total Utilization
2 . Total Credit Exposure
3 . Delinquency Presence

Account Summary :
Consolidated Credit Summary
OVERALL
Number of Open Accounts: 5 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs.1,74,402
RETAIL
Number of Open Accounts: 5 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs.1,74,402
Total Accounts: 15 Total Past Due Amount: 0.00 Recent Account: Personal Loan on
20-02-2025
Total Sanction Amount: Rs.2,22,967 Total High Credit: 0 Oldest Account: Consumer Loan on
10-04-2023
MICROFINANCE

Copyright © 2010 Equifax Credit Information Services Private Limited -1-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Number of Open Accounts: Number of Past Due Accounts: Total Outstanding Balance:
Recent Account: Installment amount: Total Past Due Amount:

Account Details:
Accounts
RETAIL
Acct # **********
Balance: Rs.9,253 Open: Yes Date Reported: 30-04-2025
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 26-06-2024
Type: Consumer Loan
Last Payment: Last Payment Date: 02-04-2025 Date Closed:
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.37,000 Reason:
DaysPastDue :

Repayment Tenure: 12 Payment Amount: Rs.3,083 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Current Account

Asset Classification:
Suit Filed Status:

History
Account Status : 000 000 000 000 000 000 000 000 000 000 NEW
Asset Classification : * * * * * * * * * * *
Suit Filed Status : * * * * * * * * * * *
Days Past Due : 000 000 000 000 000 000 000 000 000 000 000
04-25 03-25 02-25 01-25 12-24 11-24 10-24 09-24 08-24 07-24 06-24

RETAIL
Acct # **********
Balance: Rs.86,865 Open: Yes Date Reported: 30-04-2025
Institution: BANK
Past Due Amount: 0 Interest Rate: Date Opened: 31-10-2024
Type: Two-wheeler Loan
Last Payment: Rs.17,605 Last Payment Date: 03-04-2025 Date Closed:
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.97,506 Reason:
DaysPastDue :

Repayment Tenure: 36 Payment Amount: Rs.3,521 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Current Account

Asset Classification:
Suit Filed Status:

History
Account Status : 000 000 000 000 * NEW NEW
Asset Classification : * * * * * * *
Suit Filed Status : * * * * * * *
Days Past Due : 000 000 000 000 *** 000 000
04-25 03-25 02-25 01-25 12-24 11-24 10-24

RETAIL
Acct # **********
Balance: Rs.299 Open: Yes Date Reported: 30-04-2025
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 26-06-2024
Type: Consumer Loan
Last Payment: Last Payment Date: 02-04-2025 Date Closed:
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.1,199 Reason:
DaysPastDue :

Repayment Tenure: 12 Payment Amount: Rs.100 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Current Account

Asset Classification:
Suit Filed Status:

Copyright © 2010 Equifax Credit Information Services Private Limited -2-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

History
Account Status : 000 000 000 000 000 000 000 000 000 000 NEW
Asset Classification : * * * * * * * * * * *
Suit Filed Status : * * * * * * * * * * *
Days Past Due : 000 000 000 000 000 000 000 000 000 000 000
04-25 03-25 02-25 01-25 12-24 11-24 10-24 09-24 08-24 07-24 06-24

RETAIL
Acct # **********
Balance: Rs.13,999 Open: Yes Date Reported: 30-04-2025
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 20-01-2025
Type: Consumer Loan
Last Payment: Last Payment Date: 02-04-2025 Date Closed:
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.21,999 Reason:
DaysPastDue :

Repayment Tenure: 11 Payment Amount: Rs.2,000 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Current Account

Asset Classification:
Suit Filed Status:

History
Account Status : 000 000 000 NEW
Asset Classification : * * * *
Suit Filed Status : * * * *
Days Past Due : 000 000 000 000
04-25 03-25 02-25 01-25

RETAIL
Acct # **********
Balance: Rs.63,986 Open: Yes Date Reported: 30-04-2025
Institution: FINANCE
Past Due Amount: 0 Interest Rate: 31.00 Date Opened: 20-02-2025
Type: Personal Loan
Last Payment: Last Payment Date: 02-04-2025 Date Closed:
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.65,263 Reason:
DaysPastDue :

Repayment Tenure: 33 Payment Amount: Rs.2,963 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Current Account

Asset Classification:
Suit Filed Status:

History
Account Status : 000 000 NEW
Asset Classification : * * *
Suit Filed Status : * * *
Days Past Due : 000 000 000
04-25 03-25 02-25

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 15-02-2025
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 14-06-2024
Type: Consumer Loan
Last Payment: Last Payment Date: 02-12-2024 Date Closed: 03-12-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.17,499 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 6 Payment Amount: Rs.2,917 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD CLSD 000 000 000 000 000 NEW

Copyright © 2010 Equifax Credit Information Services Private Limited -3-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Asset Classification : * * * * * * * * *
Suit Filed Status : * * * * * * * * *
Days Past Due : 000 000 000 000 000 000 000 000 000
02-25 01-25 12-24 11-24 10-24 09-24 08-24 07-24 06-24

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-08-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 07-03-2024
Type: Consumer Loan
Last Payment: Last Payment Date: 02-06-2024 Date Closed: 08-07-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.23,000 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 12 Payment Amount: Rs.1,917 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD 000 000 000
Asset Classification : * * * * *
Suit Filed Status : * * * * *
Days Past Due : 000 000 000 000 000
08-24 07-24 06-24 05-24 04-24

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-08-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 11-06-2024
Type: Consumer Loan
Last Payment: Last Payment Date: 02-07-2024 Date Closed: 08-07-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.18,000 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 12 Payment Amount: Rs.1,500 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD NEW
Asset Classification : * * *
Suit Filed Status : * * *
Days Past Due : 000 000 000
08-24 07-24 06-24

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-07-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 03-02-2024
Type: Consumer Loan
Last Payment: Rs.16,455 Last Payment Date: 15-07-2024 Date Closed: 16-07-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.43,194 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 16 Payment Amount: Rs.2,875 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD 000 000 000 000 NEW
Asset Classification : * * * * * *

Copyright © 2010 Equifax Credit Information Services Private Limited -4-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Suit Filed Status : * * * * * *

Days Past Due : 000 000 000 000 000 000
07-24 06-24 05-24 04-24 03-24 02-24

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 20-06-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 12-04-2023
Type: Credit Card
Last Payment: Last Payment Date: Date Closed: 07-06-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : 0 Reason: Closed Account
DaysPastDue :

Repayment Tenure: Payment Amount: Credit Limit: Rs.40,000 Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW
Asset Classification : * * * * * * * * * * * * * * *
Suit Filed Status : * * * * * * * * * * * * * * *
Days Past Due : 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000
06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-05-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 31-08-2023
Type: Consumer Loan
Last Payment: Last Payment Date: 02-03-2024 Date Closed: 07-04-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.14,999 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 7 Payment Amount: Rs.2,143 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD * * 000 000 000 000 NEW
Asset Classification : * * * * * * * * *
Suit Filed Status : * * * * * * * * *
Days Past Due : 000 000 *** *** 000 000 000 000 000
05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 30-04-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 29-08-2023
Type: Consumer Loan
Last Payment: Last Payment Date: 02-02-2024 Date Closed: 05-03-2024
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.10,999 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 6 Payment Amount: Rs.1,834 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD * * 000 000 000 000 000 NEW
Asset Classification : * * * * * * * * *
Suit Filed Status : * * * * * * * * *

Copyright © 2010 Equifax Credit Information Services Private Limited -5-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Days Past Due : 000 *** *** 000 000 000 000 000 000
04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-01-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 10-04-2023
Type: Consumer Loan
Last Payment: Last Payment Date: 02-11-2023 Date Closed: 08-12-2023
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.18,500 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 8 Payment Amount: Rs.2,313 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD 000 000 000 * 000 000 NEW
Asset Classification : * * * * * * * * *
Suit Filed Status : * * * * * * * * *
Days Past Due : 000 000 000 000 000 *** 000 000 000
01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 31-01-2024
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 10-04-2023
Type: Consumer Loan
Last Payment: Last Payment Date: 02-11-2023 Date Closed: 05-12-2023
Ownership Type: Individual
Write-off Amount: Sanction Amount : Rs.36,500 Reason: Closed Account
DaysPastDue :

Repayment Tenure: 9 Payment Amount: Rs.4,056 Credit Limit: Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD CLSD 000 000 000 * * 000 NEW
Asset Classification : * * * * * * * * *
Suit Filed Status : * * * * * * * * *
Days Past Due : 000 000 000 000 000 *** *** 000 000
01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23

RETAIL
Acct # **********
Balance: 0 Open: No Date Reported: 20-05-2023
Institution: FINANCE
Past Due Amount: 0 Interest Rate: Date Opened: 12-04-2023
Type: Credit Card
Last Payment: Last Payment Date: Date Closed: 18-05-2023
Ownership Type: Individual
Write-off Amount: Sanction Amount : 0 Reason: Closed Account
DaysPastDue :

Repayment Tenure: Payment Amount: Credit Limit: 0 Collateral Value:

Dispute Code: Term Frequency: Monthly Collateral Type:

Account status:Closed Account

Asset Classification:
Suit Filed Status:

History
Account Status : CLSD NEW
Asset Classification : * *
Suit Filed Status : * *
Days Past Due : 000 000
05-23 04-23

Copyright © 2010 Equifax Credit Information Services Private Limited -6-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

Enquiries:
Institution Date Time Purpose Amount

Input Enquiry:
Personal & Account Information ID & Phone Numbers Contact Details
Consumer’s First Name : NIRBHYA PAN: BBPPJ7777J Address Information 1:
Consumer’s Family Name : JAIN Voter ID: Address : DELHI DELHI
Mother : NA Passport ID: State : DL
DOB : 24-03-1985 UID: Postal : 110053
Gender : Male Driver's License: Address Information 2:
Inquiry / Request Purpose : Business Loan - General Ration ID: Address :
Member ID / Unique Account Number: ID - Other: State :
Transaction Amount: ID - Other: Postal :
Inquiry Account 1: Home Phone : Address Information 3:
Inquiry Account 2: Mobile Phone : Address :
Inquiry Account 3: Other Phone : State :
Inquiry Account 4: Postal :
Branch ID :
Kendra / Centre ID :

Glossary, Terms and Explanations:

History
Code Description
000 current account
CLSD Paid or closed account/zero balance
NEW New Account
LNSB Loan Submitted
LAND Loan Approved - Not yet disbursed
INAC Account is Inactive
CON Contact Member for Status
01+ 1-29 days past due
30+ 30-59 days past due
DEC Loan Declined
60+ 60-89 days past due
SPM Special Mention
SUB Sub-standard
RES Restructured Loan
RGM Restructured Loan - Govt Mandate
RNC Restructured Loan - Natural Calamity
SET Settled
SF Suit Filed

Copyright © 2010 Equifax Credit Information Services Private Limited -7-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

90+ 90-119 days past due

120+ 120-179 days past due
180+ 180-359 days past due
360+ 360-539 days past due
540+ 540-719 days past due
720+ 720 or more days past due
DBT Doubtful
FPD First Payment Default
WDF Willful Default
PWOS Post Written Off Settled
WOF Charge Off/Written Off
Non-Delnqt Non-Delinquent
STD Standard
SUB Sub-standard
DBT Doubtful
LOSS Loss
SPM Special Mention Account
SFR Suit Filed-Restructured
SF Suit Filed
WDF Willful Default
SFWD Suit Filed-Willful Default
WOF Written Off
SFWO Suit Filed and Written Off
WDWO Willful Default and Written Off
SWDW Suit Filed, Willful Default and Written Off
SET Settled
* Data Not Reported
RCV Restructured Due to COVID19
PWOS Post Write Off Settled
PWOC Post Write Off Closed
RC Restructured and Closed
AS Auctioned and Settled
RPS Repossessed and Settled
GI Guarantee Invoked
CAN Cancelled
01 Account Ownership Disputed
02 Account Status Disputed
03 Account Balance Disputed
04 Account Ownership Type Disputed
05 Account Needs to be closed
06 Account History Disputed
07 Suit Filed / Willful Status Disputed
08 Asset Classification Status Disputed
09 Sanction Amount Disputed
10 Name Correction Requested
11 Address information Disputed
12 DOB Disputed
13 Contact Number Disputed
14 Gender Flag Disputed
15 Total Income Disputed
16 Occupation Disputed
17 Pan Information Disputed

Copyright © 2010 Equifax Credit Information Services Private Limited -8-

 CONSUMER CREDIT REPORT V2.0
CLIENT ID: 027FZ32242 DATE: 27-05-2025
REPORT ORDER NO.: 1954087562, 1954087561 TIME: 17:34:53
REFERENCE NUMBER:

18 Voter Information Disputed

19 Passport Information Disputed
20 Driver
21 State Code Disputed
22 Date closed Disputed
23 Credit Limit Disputed
24 Write-off / Settled Amount Disputed
25 Loan / Credit Type Disputed
26 Collateral Details Disputed
27 Email Id Disputed
28 MFI - Loan Category Disputed
29 MFI - Repayment Frequency Disputed
30 MFI - Installment Amount Disputed
31 MFI - Key Person Name Disputed
32 Dispute Closed

Contact Us: Phone: 1800 209 3247 Fax: +91-22-6112-7950 Email: [email protected]

The entire information contained in this report is furnished by various Credit Institutions/members ("Members"), which is neither controlled nor subjected to
any alteration by Equifax Credit Information Services Private Limited (ECIS). ECIS by using its proprietary search match logic tools, in compliance with the
CIC Laws has collated the information and has generated this report. ECIS provides this report on a best effort basis and does not guarantee the timelines,
correctness or completeness of the information contained therein. The use of this report will be governed by the terms and conditions accepted by You or
as per Membership Agreement entered by the Member with ECIS. Lending decisions are taken by Members/Credit Institutions who access these reports
and may differ from Member to Member. ECIS doesn’t tell a lender whether they should offer credit or not to its customer/borrower– it is solely for the
lender to decide.

Copyright © 2010 Equifax Credit Information Services Private Limited -9-