CONSUMER CIR

CONSUMER: GAGAN KUMAR DATE:23-05-2019

MEMBER ID: BN01130522 TIME: 11:10:21

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,91,40,09,041

CONSUMER INFORMATION:
NAME: GAGAN KUMAR SO PREM NATH

DATE OF BIRTH: 22-12-1986 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CREDITVISION® SCORE
649 1:
2:
PRESENCE OF DELINQUENCY
PRESENCE OF SEVERE DELINQUENCY AS OF RECENT UPDATE
3: PRESENCE OF DELINQUENCY IN THE RECENT PAST
4: LOW PROPORTION OF SATISFACTORY TRADES

PERSONAL LOAN SCORE

529 1:
2:
PRESENCE OF DELINQUENCY.
OVER DUE AMOUNT TOO HIGH.
3: NOT ENOUGH AVAILABLE CREDIT.

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.

IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE

INCOME TAX ID NUMBER (PAN) BRKPK7739L

UNIVERSAL ID NUMBER (UID) 965296219878

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CONSUMER CIR
CONSUMER: GAGAN KUMAR DATE:23-05-2019

MEMBER ID: BN01130522 TIME: 11:10:21

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,91,40,09,041

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

MOBILE PHONE 9988306414

EMAIL CONTACT(S):

ADDRESS(ES):

ADDRESS :S/O PREM NATH,518,NAVA MOHALLA,W-50 LAKKAR BAZAR,LUDHIANA PUNJAB 141008

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:10-11-2015

ADDRESS :S/O PREM NATH , H NO 518 NAVA MOHALLA LAKAR BAZAR LUDHIANA PUNJAB 141008

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:18-07-2014

ADDRESS :LAKKAR BAZAR LUDHIANA PUNJAB 141001

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:12-06-2011

ADDRESS :H.NO.OLD635,NEW518.NEW MOHALLA.LAKKAR BA ZAAR. MIDIUM LUDHIANA PUNJAB 141002

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:22-05-2011

EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR

LOAN AGAINST BANK 28-02-2019 OTHERS Not Available Not Available Not Available
DEPOSITS

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED

All Accounts TOTAL: 4 HIGH CR/SANC. AMT: 1,73,500 CURRENT: 93,164 RECENT: 21-03-2017

OVERDUE: 1 OVERDUE: 2,554 OLDEST: 27-05-2011

ZERO-BALANCE: 3

ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

All Enquiries 7 1 0 1 22-05-2019

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: GAGAN KUMAR DATE:23-05-2019

MEMBER ID: BN01130522 TIME: 11:10:21

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,91,40,09,041

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: PUNJAB AND SIND OPENED: 21-03-2017 SANCTIONED: 90,000

ACCOUNT NUMBER: 05221300002021 REPORTED AND CERTIFIED: CURRENT BALANCE: 93,164
TYPE: LOAN AGAINST BANK 28-02-2019 OVERDUE: 2,554
DEPOSITS PMT HIST START: 01-02-2019 INTEREST RATE: 8.50
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-03-2017 ACTUAL PAYMENT: 44,000
COLLATERAL VALUE: 100000
COLLATERAL TYPE: SAVING
ACCOUNT AND FIXED DEPOSIT

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

121 093 062 031 000 000 000 000 000 000 000 000 000 000 031 031 000 000
02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17

000 000 000 000 000 000

08-17 07-17 06-17 05-17 04-17 03-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: PUNJAB AND SIND OPENED: 16-11-2015 SANCTIONED: 50,000

ACCOUNT NUMBER: 05221200000313 CLOSED: 12-12-2018 CURRENT BALANCE: 0
TYPE: AUTO LOAN REPORTED AND CERTIFIED: EMI: 1,613
OWNERSHIP: INDIVIDUAL 31-03-2019 PMT FREQ: MONTHLY
COLLATERAL TYPE: NO COLLATERAL PMT HIST START: 01-03-2019 REPAYMENT TENURE: 36
PMT HIST END: 01-04-2016 ACTUAL PAYMENT: 58,772

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 XXX 051 020 001 000 031 001 000 031 001 062 060 029 001 000 062 032
03-19 02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17

001 000 001 000 000 000 000 000 000 000 001 001 001 001 001 000 001 001
09-17 08-17 07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 29-08-2014 SANCTIONED: 17,500

ACCOUNT NUMBER: NOT LAST PAYMENT: 02-05-2015 CURRENT BALANCE: 0
DISCLOSED CLOSED: 11-06-2015
TYPE: CONSUMER LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 31-05-2017
PMT HIST START: 01-05-2017
PMT HIST END: 01-07-2015

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 XXX 000 000 000 XXX XXX XXX XXX XXX XXX XXX XXX

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CONSUMER CIR
CONSUMER: GAGAN KUMAR DATE:23-05-2019

MEMBER ID: BN01130522 TIME: 11:10:21

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,91,40,09,041

05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16 01-16 12-15

XXX XXX XXX XXX 000

11-15 10-15 09-15 08-15 07-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 27-05-2011 SANCTIONED: 16,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 05-02-2012 CURRENT BALANCE: 0
DISCLOSED CLOSED: 05-03-2012
TYPE: CONSUMER LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 31-05-2013
PMT HIST START: 01-03-2012
PMT HIST END: 01-06-2011

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 STD STD STD XXX STD STD STD STD
03-12 02-12 01-12 12-11 11-11 10-11 09-11 08-11 07-11 06-11

ENQUIRIES:

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

PUNJAB & SIND 22-05-2019 AUTO LOAN 65,000

NOT DISCLOSED 12-03-2018 CONSUMER LOAN 50,000

PUNJAB & SIND 10-11-2015 AUTO LOAN 50,000

PUNJAB & SIND 03-10-2015 OVERDRAFT 50,000

NOT DISCLOSED 18-07-2014 CONSUMER LOAN 20,000

NOT DISCLOSED 22-10-2012 PERSONAL LOAN 56,000

NOT DISCLOSED 22-05-2011 CONSUMER LOAN 16,000

END OF REPORT ON GAGAN KUMAR

All information ("Information") contained in this credit information report (CIR) is the current and up to date information collated by TransUnion CIBIL
Limited based on information provided by its various members ("Members"). By accessing and using the Information, the user acknowledges and
accepts the following: While TransUnion CIBIL takes reasonable care in preparing the CIR, TransUnion CIBIL shall not be responsible for errors and/or
omissions caused by inaccurate or inadequate information submitted to it. However, TransUnion CIBIL shall take reasonable steps to ensure accurate
reproduction of the information submitted by the Members and, to the extent statutorily permitted, it shall correct any such inaccuracies in the CIR. Further,
TransUnion CIBIL does not guarantee the adequacy or completeness of the information and/or its suitability for any specific purpose nor is TransUnion
CIBIL responsible for any access or reliance on the CIR. The CIR is not a recommendation by TransUnion CIBIL to any Member to (i) lend or not to lend;

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TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: GAGAN KUMAR DATE:23-05-2019

MEMBER ID: BN01130522 TIME: 11:10:21

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,91,40,09,041

(ii) enter into or not to enter into any financial transaction with the concerned individual/entity. Credit Scores do not form part of the CIR. The use of the CIR
is governed by the provisions of the Credit Information Companies (Regulation) Act, 2005, the Credit Information Companies Regulations, 2006, Credit
Information Companies Rules, 2006 and the terms and conditions of the Operating Rules for TransUnion CIBIL and its Members.

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TransUnion CIBIL CIN : U72300MH2000PLC128359