CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
CONSUMER INFORMATION:
NAME: SASIDHAR MURUGANATHAN
DATE OF BIRTH: 22-09-1991 GENDER: MALE
CIBIL TRANSUNION SCORE(S):
SCORE NAME SCORE SCORING FACTORS
CREDITVISION® SCORE
638 1:
2:
PRESENCE OF DELINQUENCY IN THE RECENT PAST
PRESENCE OF SEVERE DELINQUENCY AS OF RECENT UPDATE
3: PRESENCE OF DELINQUENCY
4: PRESENCE OF DELINQUENCY IN LAST 12 MONTHS
5: LOW CREDIT AGE
PERSONAL LOAN SCORE
576 1:
2:
ONE OR MORE TRADES WITH RESTRUCTURED DEBT IN THE PAST 24 MONTHS.
OVER DUE AMOUNT TOO HIGH.
3: PRESENCE OF DELINQUENCY.
4: NOT ENOUGH AVAILABLE CREDIT.
EARLY RISK SCORE
0 1: SCORE NOT AVAILABLE.
POSSIBLE RANGE FOR CREDITVISION® SCORE
Consumer with at least one trade on the bureau in last 36 months : 300 (High risk) to 900 (low risk)
Consumer not in CIBIL database or history older than 36 months : -1
* At least one tradeline with information updated in last 36 months is required.
POSSIBLE RANGE FOR PERSONAL LOAN SCORE
Consumers with more than 1 month credit history* : 300 (high risk) to 900 (low risk)
Consumers not in CIBIL database or with insufficient information for scoring* : -1
* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.
POSSIBLE RANGE FOR EARLY RISK SCORE
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
Consumer with at least one trade on the bureau in last 36 months : 1300 (High Risk) to 1900 (Low Risk)
Consumer not in CIBIL database or history older than 36 months : -1
Consumer with enquiry purpose other than personal and consumer loan : 0
* At least one tradeline with information updated in last 36 months is required
IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE
INCOME TAX ID NUMBER (PAN) FKZPS8013K
VOTER ID NUMBER UYU0246652
TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION
OFFICE PHONE 9791412483
MOBILE PHONE 8760884743
MOBILE PHONE 9791412483
EMAIL CONTACT(S):
EMAIL ADDRESS
[email protected]
ADDRESS(ES):
ADDRESS :46 KALAIVANAR ST KOTTUR ROAD POLLACHI TAMIL NADU 642001
CATEGORY:PERMANENT ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023
ADDRESS :46 KALAIVANAR ST KOTTUR ROAD POLLACHI TAMIL NADU 642001
CATEGORY:OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023
ADDRESS :46 KALAIVANAR ST KOTTUR ROAD POLLACHI TAMIL NADU 642001
CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023
ADDRESS :146 KALAIVANAR STREET POLLACHI COIMBATO RE POLLACHI POLLACHI (M) TAMIL NADU 642001
CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:31-12-2023
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 2 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR
GOLD LOAN 31-12-2023 OTHERS Not Available Not Available Not Available
SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED
All Accounts TOTAL: 3 HIGH CR/SANC. AMT: 5,39,802 CURRENT: 3,06,834 RECENT: 10-07-2023
OVERDUE: 1 OVERDUE: 3,06,834 OLDEST: 25-02-2014
ZERO-BALANCE: 2
ENQUIRIES
Only Last 36 months enquiries will be displayed in the Credit report
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT
All Enquiries 36 0 14 6 22-03-2025
ACCOUNT(S):
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED OPENED: 25-02-2014 SANCTIONED: 3,40,000
ACCOUNT NUMBER: NOT LAST PAYMENT: 31-05-2021 CURRENT BALANCE: 3,06,834
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 3,06,834
TYPE: EDUCATION LOAN 15-04-2025 EMI: 3,525
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-04-2025 PMT FREQ: MONTHLY
COLLATERAL TYPE: NO COLLATERAL PMT HIST END: 01-05-2022 REPAYMENT TENURE: 159
INTEREST RATE: 11.50
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900
04-25 03-25 02-25 01-25 12-24 11-24 10-24 09-24 08-24 07-24 06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23
900 900 900 900 882 852 821 791 760 732 701 670 640 609 579 532 511 487
10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED OPENED: 10-07-2023 SANCTIONED: 51,000
ACCOUNT NUMBER: NOT LAST PAYMENT: 18-04-2024 CURRENT BALANCE: 0
DISCLOSED CLOSED: 18-04-2024 PMT FREQ: MONTHLY
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 3 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
TYPE: GOLD LOAN REPORTED AND CERTIFIED: ACTUAL PAYMENT: 699
OWNERSHIP: INDIVIDUAL 30-04-2024
PMT HIST START: 01-04-2024
PMT HIST END: 01-07-2023
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
000 000 000 000 000 000 000 000 000 000
04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED OPENED: 30-03-2021 SANCTIONED: 1,48,802
ACCOUNT NUMBER: NOT LAST PAYMENT: 05-04-2023 CURRENT BALANCE: 0
DISCLOSED CLOSED: 05-04-2023 PMT FREQ: MONTHLY
TYPE: TWO-WHEELER LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 30-04-2023
PMT HIST START: 01-04-2023
PMT HIST END: 01-03-2021
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000
04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21
000 000 000 000 000 000 000 000
10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21
ENQUIRIES:
Only Last 36 months enquiries will be displayed in the Credit report
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 22-03-2025 PERSONAL LOAN 13,00,000
NOT DISCLOSED 18-03-2025 PERSONAL LOAN 5,00,000
NOT DISCLOSED 17-03-2025 PERSONAL LOAN 1,00,000
NOT DISCLOSED 20-02-2025 OTHER 10
NOT DISCLOSED 15-02-2025 HOUSING LOAN 25,00,000
NOT DISCLOSED 05-02-2025 HOUSING LOAN 2,000
NOT DISCLOSED 07-12-2024 PROPERTY LOAN 20,00,000
NOT DISCLOSED 14-10-2024 PERSONAL LOAN 4,00,000
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 4 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 03-10-2024 OTHER 10,000
NOT DISCLOSED 11-09-2024 PERSONAL LOAN 1
NOT DISCLOSED 05-09-2024 HOUSING LOAN 20,00,000
NOT DISCLOSED 05-09-2024 HOUSING LOAN 7,00,000
NOT DISCLOSED 02-09-2024 PERSONAL LOAN 5,00,000
NOT DISCLOSED 29-05-2024 MICROFINANCE - 1,000
PERSONAL LOAN
NOT DISCLOSED 26-02-2024 PROPERTY LOAN 25,00,000
NOT DISCLOSED 06-12-2023 BUSINESS LOAN - 1
GENERAL
NOT DISCLOSED 16-10-2023 COMMERCIAL VEHICLE 1,000
LOAN
NOT DISCLOSED 02-10-2023 CONSUMER LOAN 35,000
NOT DISCLOSED 13-09-2023 HOUSING LOAN 15,00,000
NOT DISCLOSED 10-07-2023 GOLD LOAN 70,000
NOT DISCLOSED 06-04-2023 BUSINESS LOAN - 1,00,000
GENERAL
NOT DISCLOSED 05-04-2023 TWO-WHEELER LOAN 2,00,000
NOT DISCLOSED 03-04-2023 TWO-WHEELER LOAN 2,11,341
NOT DISCLOSED 03-04-2023 TWO-WHEELER LOAN 2,11,341
NOT DISCLOSED 30-03-2023 CREDIT CARD 1,00,000
NOT DISCLOSED 28-03-2023 CREDIT CARD 1,000
NOT DISCLOSED 13-03-2023 CREDIT CARD 1,000
NOT DISCLOSED 13-03-2023 PERSONAL LOAN 2,00,000
NOT DISCLOSED 27-01-2023 BUSINESS LOAN - 8,00,000
GENERAL
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 5 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
CONSUMER CIR
CONSUMER: SASIDHAR M DATE:22-04-2025
MEMBER ID: BN05032878 TIME: 23:05:36
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 9,00,01,98,286
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 09-01-2023 HOUSING LOAN 30,00,000
NOT DISCLOSED 30-12-2022 BUSINESS LOAN - 10,00,000
GENERAL
NOT DISCLOSED 01-12-2022 PERSONAL LOAN 25,000
NOT DISCLOSED 08-08-2022 PERSONAL LOAN 25,000
NOT DISCLOSED 07-08-2022 CONSUMER LOAN 49,000
NOT DISCLOSED 23-06-2022 CREDIT CARD 1,000
NOT DISCLOSED 28-05-2022 CREDIT CARD 1,000
END OF REPORT ON SASIDHAR M
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.
© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 6 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359
