LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : SAURABH VINOD

Customer ID :
Application Reference Number : B138245754
Loan Sourcing Date: 2022-04-10 14:04:35

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between SAURABH VINOD & Bajaj Finance Limited
(“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master Terms & conditions
uploaded at: B138245754 (collectively referred as “Loan Documentation”) by SAURABH VINOD for
availing loans as described below vide mobile OTP acceptance in respect of Application Reference Number:
B138245754 as final and binding on SAURABH VINOD.

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 SAURABH VINOD 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 B138245754
Loan Amount (Rs.) 29000
Loan Type Consumer Durable
Tennure of Loan 10
IP Address of BFL 106.204.18.87
IP Address of Customer's Device 14.102.66.113
Mobile number of Customer 8950101095
Email ID of Customer (if available) saurabhmandal9896@gmail.com
FOS Name & Emp ID Jaideep Malik & 150288
FOS email ID(if available)
FOS/Merchant IP Address 106.204.18.87
Latitude:29.1334565
Geo-tagging details
Longitude:76.713846
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 : SAURABH VINOD

Customer ID :
Application Reference Number : B138245754
Loan Sourcing Date: 2022-04-10 14:04:35

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: Jaideep Malik,
Emp ID/FOS ID:
150288,
BFL IP Address:
Loan
106.204.18.87
Application
2022-04-10 Loan Application link delivered to TO:
Link
14:01:12 Application SAURABH VINOD Mobile Number
successfully
: 8950101095 & ,
sent
IP Address:
Latitude:29.1334565
Longitude:76.713846
of SAURABH VINOD
FROM:
Application Reference
Number:B138245754,
Mobile
Number:8950101095,
IP
Address:14.102.66.113
of SAURABH VINOD Loan
SAURABH VINOD opened / TO: Application
2022-04-10 Loan accessed the link to apply for loan by FOS ID: 150288, opened and
14:01:12 Application filling required details and uploading BFL FOS Name filled by
documents in presence of BFL FOS :Jaideep Malik, SAURABH
FOS/MERCHANT IP VINOD
Address:
106.204.18.87,
 FOS email (if
available):,
BFL IP Address:
106.204.18.87
FROM:
Application Reference
Number:B138245754,
Mobile
Number:8950101095,
Customer's IP
SAURABH VINOD read, verified, Address:14.102.66.113
agreed & accepted the terms and of SAURABH VINOD Application
conditions of Loan Documentation TO: submitted by
2022-04-10 First OTP
(defined above) by clicking on FOS Name: Jaideep SAURABH
14:03:26 Authentication
“SUBMIT BUTTON” application to Malik, VINOD to
generate OTP from BFL software FOS EMP ID: 150288, generate OTP
application. FOS email ID (if
available):,
FOS/MERCHANT IP
Address:
106.204.18.87,
BFL IP Address:
106.204.18.87
FROM:
Application Reference
Number:B138245754,
BFL IP
OTP generated and sent to Address:106.204.18.87, OTP sent to
2022-04-10 First OTP
SAURABH VINOD from BFL TO: SAURABH
14:01:12 Authentication
software application Mobile VINOD
Number:8950101095,
Customer IP Address:
14.102.66.113
of SAURABH VINOD
FROM:
Application Reference
Number:B138245754,
BFL IP
OTP Received
Address:106.204.18.87,
2022-04-10 First OTP OTP Received by SAURABH by
TO:
14:03:26 Authentication VINOD SAURABH
Mobile
VINOD
Number:8950101095,
Customer IP address
:14.102.66.113
of SAURABH VINOD
FROM:
Customer
Name:SAURABH
VINOD,
Digitally
Application Reference
accepted PDF
Number:B138245754,
encrypted file
SAURABH VINOD clicks on "I Mobile
 accept checkbox" by putting OTP Number:8950101095, containing in
2022-04-10 First OTP and Mobile Number to finalize IP address of customer respect of said
14:03:26 Authentication accepting to terms & conditions of 14.102.66.113 Loan
said Loan Documentation (defined TO: Documentation
above) BFL IP stored in BFL
Address:106.204.18.87, server for
EMP/FOS/MERCHANT verification &
IP Address: validation
106.204.18.87,
FOS Name: Jaideep
Malik

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : SAURABH VINOD

Customer ID :
Application Reference Number : B138245754
Loan Sourcing Date: 2022-04-10 14:04:35

Date & Cluster / Transaction Log

Action Taken
Time Stage
Loan Approved by BFL
(Salesforce system) and bit.ly
2022-04-10
Approval link containing encrypted pdf
14:28:17
with details of disbursement
sent to SAURABH VINOD
Second OTP generated and
sent to SAURABH VINOD
via SMS to
2022-04-10 Second OTP
{firstOtpFosMobile} &
14:28:17 Authentication
emailed to to record
acceptance for disbursal and Customer
eMandate;
Output log status
details
FROM:
Application Reference
Number:B138245754,
Emp email ID (if
available) : , EMP IP
Address:106.204.18.87,
Loan Approved by
BFL Salesforce
TO:
System.
Customer
Name:SAURABH
VINOD, Cust Mobile
Number:8950101095,
Cust IP
Address:14.102.66.97
FROM:
IP Address of
BFL:106.204.144.63,
BFL Emp name &
ID:Jaideep Malik SMS & Email
150288, Application confirmation sent by
Reference Jaideep Malik of BFL
Number:B138245754 to SAURABH
TO:
VINOD for obtaining
disbursement &
Name:SAURABH eMandate
VINOD, Cust Mobile
Number:8950101095,
 Cust IP
Address:14.102.66.97
FROM:
Application Reference
Number:B138245754,
IP Address of OTP for Acceptance
BFL:106.204.144.63, received by
SAURABH VINOD opened BFL Emp name & SAURABH VINOD
2022-04-10 Second OTP
the Second OTP link clicked ID:Jaideep Malik for endorsing
14:39:06 Authentication
on “I Accept Check Box” 150288 acceptance for
TO: disbursement and
Mobile Number of eMandate
Customer:8950101095,
IP Address of
Customer:14.102.66.97
FROM:
Encrypted PDF opened and SAURABH VINOD
Application Reference
accepted by SAURABH accepted the
Number:B138245754,
2022-04-10 Second OTP VINOD by submitting the disbursement &
Customer
14:39:06 Authentication OTP and Mobile Number as eMandate details by
Name:SAURABH
confirmation to disbursement submitting the OTP &
VINOD, Cust Mobile
and eMandate details Mobile Number
Number:8950101095,

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : SAURABH VINOD

Customer ID :
Application Reference Number : B138245754
Loan Sourcing Date: 2022-04-10 14:04:35

Date &
Cluster / Stage Action Taken Transaction Log details Output log status
Time
FROM:
Application Reference
Number:B138245754,
Customer
PDF encrypted file Digitally accepted
Name:SAURABH
containing Loan encrypted PDF file
VINOD, Cust Mobile
Documentation, containing in respect
2022-04-10 Second OTP Number:8950101095,
Disbursement details and of said Loan
14:39:06 Authentication Cust IP
eMandate details created document stored in
Address:14.102.66.97
and got stored in BFL BFL server at IP
TO:
server address:106.204.18.87
BFL IP
Address:106.204.144.63,
BFL Emp name:Jaideep
Malik
Audit Trail Annexure
created and annexed
FROM:
with Encrypted PDF
Customer Annexure of
 filed stored in BFL Name:SAURABH “Transaction Audit
Server containing Loan VINOD, Cust Mobile Trail Sheet” attached
2022-04-12 Transaction Application with Audit Number:8950101095, to encrypted pdf
18:49:22 Completed Trail Sheet, Master Application Reference document containing
T&Cs, ECS / Electronic Number:B138245754 ____ stored in BFL
Payment Mandate, KYC TO: server
and welcome intimation Date Time
& Loan EMI payment
schedules
Complete PDF file in Application Reference
respect of said Loan Number:B138245754,
2022-04-12 Transaction Documentation (defiled Customer
Process Complete
18:49:22 Completed above) along with audit Name:SAURABH
trail history got stored in
VINOD, Customer
BFL server Mobile:8950101095,
FROM:
Customer
Name:SAURABH
VINOD, Application
Reference
Number:B138245754,
Encrypted pdf Loan Mobile Application Reference
2022-04-10 Verification & Documentation opened Number:8950101095, of Number.B138245754,
14:39:06 Validation and verified by Jaideep SAURABH VINOD verified and validated
Malik of BFL TO: Jaideep Malik
BFL IP
Address:106.204.144.63,
Emp Name: Jaideep
Malik, Emp email ID (if
available): , EMP IP
Address:106.204.18.87,

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

Invoice Copy)
FOS/Merchant IP address : 106.204.18.87
Photo upload time : 2022-04-11 12:32:29
Customer Photo: Link