LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Kishanbhai Govabhai Karangiya

Customer ID :
Application Reference Number : BR55284648
Loan Sourcing Date: 2021-11-08 11:57:06

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between Kishanbhai Govabhai Karangiya & Bajaj
Finance Limited (“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master
Terms & conditions uploaded at: BR55284648 (collectively referred as “Loan Documentation”) by
Kishanbhai Govabhai Karangiya for availing loans as described below vide mobile OTP acceptance in
respect of Application Reference Number: BR55284648 as final and binding on Kishanbhai Govabhai
Karangiya.

The audit trail containing electronic records / Logs captured in Section - A (Audit Trail Summary Sheet of
electronic record / logs) below evidences the electronic transaction acceptance and execution by the customer
on BFL platform in connection with loan availed by the customer. Further, Section - B evidences the
chronological details of electronic transaction logs stored in BFL application(s). Section C contains the live
photo of Kishanbhai Govabhai Karangiya along with Invoice /Product & FOS. The electronic records
detailed in Section A to C evidences the loan transaction journey, acceptance and execution of the Loan
documentation.

Section A – Audit Trail Summary Sheet of Electronics Record/logs

Particulars Details
Application Reference Number BR55284648
Loan Amount (Rs.) 22000
Loan Type Rural Consumer Durable
Tennure of Loan 12
IP Address of BFL 49.34.188.109
IP Address of Customer's Device 157.32.126.244
Mobile number of Customer 6354335096
Email ID of Customer (if available)
FOS Name & Emp ID SaurabhRavi & 983760
FOS email ID(if available)
FOS/Merchant IP Address 49.34.188.109
Latitude:21.9020707
Geo-tagging details
Longitude:70.03223
Live Photo of Customer Y
 Live Photo of Customer along with Invoice Y
and FOS

Market Place Particulars Details

EMI Card Number
E-Com/Merchant/Dealer portal Name
Second OTP Generation Requested
On

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Kishanbhai Govabhai Karangiya

Customer ID :
Application Reference Number : BR55284648
Loan Sourcing Date: 2021-11-08 11:57:06

Section B – Audit Trail Transaction History With Intake to

Corresponding Details in Section A above
Date & Cluster / Output log
Action Taken Transaction Log
Time Stage status
FROM: Jadeja
Dhandeepsinh,
Emp ID/FOS ID:
983760,
BFL IP Address:
Loan
49.34.188.109
Application
2021-11-08 Loan Application link delivered to TO:
Link
11:38:23 Application Kishanbhai Govabhai Karangiya Mobile Number
successfully
: 6354335096 & ,
sent
IP Address:
Latitude:21.9020707
Longitude:70.03223
of Kishanbhai
Govabhai Karangiya
FROM:
Application Reference
Number:BR55284648,
Mobile
Number:6354335096,
IP
Address:157.32.126.244
of Kishanbhai Loan
Kishanbhai Govabhai Karangiya Govabhai Karangiya Application
opened / accessed the link to apply TO: opened and
2021-11-08 Loan
11:38:23 Application for loan by filling required detailsFOS ID: 983760, filled by
and uploading documents in BFL FOS Name :Jadeja Kishanbhai
presence of BFL FOS Dhandeepsinh, Govabhai
FOS/MERCHANT IP Karangiya
Address:
49.34.188.109,
FOS email (if
available):,
BFL IP Address:
49.34.188.109
FROM:
Application Reference
Number:BR55284648,
Mobile
Number:6354335096,
Customer's IP
Address:157.32.126.244
Kishanbhai Govabhai Karangiya Application
of Kishanbhai
read, verified, agreed & accepted the submitted by
Govabhai Karangiya
terms and conditions of Loan
2021-11-08 First OTP TO: Kishanbhai
Documentation (defined above) by
11:42:26 Authentication FOS Name: Govabhai
clicking on “SUBMIT BUTTON”
SaurabhRavi, Karangiya to
application to generate OTP from
FOS EMP ID: 983760, generate OTP
BFL software application.
FOS email ID (if
available):,
FOS/MERCHANT IP
Address:
49.34.188.109,
BFL IP Address:
49.34.188.109
FROM:
Application Reference
Number:BR55284648,
BFL IP
Address:49.34.188.109, OTP sent to
OTP generated and sent to
2021-11-08 First OTP TO: Kishanbhai
Kishanbhai Govabhai Karangiya
11:38:23 Authentication Mobile Govabhai
from BFL software application
Number:6354335096, Karangiya
Customer IP Address:
157.32.126.244
of Kishanbhai
Govabhai Karangiya
FROM:
Application Reference
Number:BR55284648,
BFL IP
Address:49.34.188.109, OTP Received
TO: by
2021-11-08 First OTP OTP Received by Kishanbhai
Mobile Kishanbhai
11:42:26 Authentication Govabhai Karangiya
Number:6354335096, Govabhai
Customer IP address Karangiya
:157.32.126.244
 of Kishanbhai
Govabhai Karangiya
FROM:
Customer
Name:Kishanbhai
Govabhai Karangiya,
Digitally
Application Reference
accepted PDF
Number:BR55284648,
encrypted file
Kishanbhai Govabhai Karangiya Mobile
containing in
clicks on "I accept checkbox" by Number:6354335096,
respect of said
2021-11-08 First OTP putting OTP and Mobile Number to IP address of customer
Loan
11:42:26 Authentication finalize accepting to terms & 157.32.126.244
Documentation
conditions of said Loan TO:
stored in BFL
Documentation (defined above) BFL IP
server for
Address:49.34.188.109,
verification &
EMP/FOS/MERCHANT
validation
IP Address:
49.34.188.109,
FOS Name:
SaurabhRavi

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Kishanbhai Govabhai Karangiya

Customer ID :
Application Reference Number : BR55284648
Loan Sourcing Date: 2021-11-08 11:57:06

Date & Cluster /

Action Taken Transaction Log details Output log status
Time Stage
FROM:
Application Reference
Number:BR55284648,
Emp email ID (if
Loan Approved by BFL available) : , EMP IP
(Salesforce system) and bit.ly Address:49.34.188.109,
Loan Approved by
2021-11-08 link containing encrypted pdf TO:
Approval BFL Salesforce
12:15:37 with details of disbursement Customer
System.
sent to Kishanbhai Name:Kishanbhai
Govabhai Karangiya Govabhai Karangiya,
Cust Mobile
Number:6354335096,
Cust IP
Address:157.32.126.244
FROM:
IP Address of
BFL:49.34.188.109, BFL SMS & Email
Emp name & ID:Jadeja confirmation sent by
 Second OTP generated and Dhandeepsinh 390231, Jadeja
sent to Kishanbhai Application Reference Dhandeepsinh of
Number:BR55284648
2021-11-08 Second OTP Govabhai Karangiya via BFL to Kishanbhai
TO:
12:15:37 Authentication SMS to {firstOtpFosMobile} Govabhai
& emailed to to record Customer Karangiya for
acceptance for disbursal and Name:Kishanbhai obtaining
eMandate; Govabhai Karangiya, disbursement &
Cust Mobile eMandate
Number:6354335096,
Cust IP
Address:157.32.126.244
FROM:
Application Reference
Number:BR55284648, IP OTP for Acceptance
Address of received by
Kishanbhai Govabhai BFL:49.34.188.109, BFL Kishanbhai
2021-11-08 Second OTP Karangiya opened the Emp name & ID:Jadeja Govabhai
12:18:14 Authentication Second OTP link clicked on “ Dhandeepsinh 390231 Karangiya for
I Accept Check Box” TO: endorsing acceptance
Mobile Number of for disbursement and
Customer:6354335096, eMandate
IP Address of
Customer:157.32.126.244
FROM:
Encrypted PDF opened and Kishanbhai
Application Reference
accepted by Kishanbhai Govabhai
Number:BR55284648,
Govabhai Karangiya by Karangiya accepted
2021-11-08 Second OTP Customer
submitting the OTP and the disbursement &
12:18:14 Authentication Name:Kishanbhai
Mobile Number as eMandate details by
Govabhai Karangiya,
confirmation to disbursement submitting the OTP
Cust Mobile
and eMandate details & Mobile Number
Number:6354335096,

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Kishanbhai Govabhai Karangiya

Customer ID :
Application Reference Number : BR55284648
Loan Sourcing Date: 2021-11-08 11:57:06

Date &
Cluster / Stage Action Taken Transaction Log details Output log status
Time
FROM:
Application Reference
Number:BR55284648,
Customer
Name:Kishanbhai
PDF encrypted file Govabhai Karangiya, Digitally accepted
containing Loan Cust Mobile encrypted PDF file
Documentation, Number:6354335096, containing in respect
2021-11-08 Second OTP
Disbursement details and Cust IP of said Loan
12:18:14 Authentication
 eMandate details created Address:157.32.126.244 document stored in
and got stored in BFL BFL server at IP
server TO: address:49.34.188.109
BFL IP
Address:49.34.188.109,
BFL Emp name:Jadeja
Dhandeepsinh
Audit Trail Annexure
created and annexed with FROM:
Encrypted PDF filed Customer
Annexure of
stored in BFL Server Name:Kishanbhai
“Transaction Audit
containing Loan Govabhai Karangiya,
Trail Sheet” attached
2021-11-12 Transaction Application with Audit Cust Mobile
to encrypted pdf
13:51:21 Completed Trail Sheet, Master Number:6354335096,
document containing
T&Cs, ECS / Electronic Application Reference
____ stored in BFL
Payment Mandate, KYC Number:BR55284648
server
and welcome intimation TO:
& Loan EMI payment Date Time
schedules
Application Reference
Complete PDF file in
Number:BR55284648,
respect of said Loan
Customer
2021-11-12 Transaction Documentation (defiled
Name:Kishanbhai Process Complete
13:51:21 Completed above) along with audit
Govabhai Karangiya,
trail history got stored in
Customer
BFL server
Mobile:6354335096,
FROM:
Customer
Name:Kishanbhai
Govabhai Karangiya,
Application Reference
Number:BR55284648,
Mobile
Application Reference
Encrypted pdf Loan Number:6354335096,
Number.BR55284648,
2021-11-08 Verification & Documentation opened of Kishanbhai
verified and validated
12:18:14 Validation and verified by Jadeja Govabhai Karangiya
Jadeja
Dhandeepsinh of BFL TO:
Dhandeepsinh
BFL IP
Address:49.34.188.109,
Emp Name: Jadeja
Dhandeepsinh, Emp
email ID (if available): ,
EMP IP
Address:49.34.188.109,

SECTION - C (Audit Trail Summary Sheet of customer Photo and

Invoice Copy)
FOS/Merchant IP address : 49.34.188.109
Photo upload time : 2021-11-08 12:13:11
Customer Photo: Link