Consented Consumer Credit Report

CLIENT ID: DATE: 2023-03-09

740309520
REPORT ORDER NO.: TIME: 03:50:08
REFERENCE NUMBER: 22de48cb6ca6f29bb2c3540cc95d5f81

Consumer Name: VINOD GUPTA

Personal Information Identification Contact Details
Previous Name: PAN: AKSPG1887D Home:
Alias Name: Voter ID: Office:
DOB: 1977-11-14 Passport ID: Mobile: 9830027594
Age: 45 Years 0 Months UID: XXXXXXXXXXXX Alt. Home/Other No.:
Gender: Male Driver's License: Alt. Office:
Total Income: Rs. Ration Card: Alt. Mobile: 8981114482
Occupation: Photo Credit Card: Email: VINOD.GUPTA0075@GMAIL.COM
ID - Other:

Consumer Address:
Type Address State Postal Date Reported
- 44/2/A PARUI PACCA ROAD JOGASHRAM BEHALA WB 700061 2023-01-31
BAKULTALA KOLKATA KOLKATA
Primary 44/2/A PARUI PAKA ROAD KOLKATA 15 WEST WB 700061 2018-05-31
BENGAL
Primary 44/2/A PARUI PACCA ROAD BAKUKTALA WB 700061 2017-05-31
KOLKATA KOLKATA WEST BENGAL
- 44/2/A PARUI PACCA ROAD JOGASHRAM WB 700061 2016-10-31
BAKULTALA BEHALA KOLKATA KOLKATA
- 44/2/A PARUI PACCA ROAD JOGASHRAM WB 700061 2012-07-31
BAKULTALA BEHALA KOLKATA PARNASREE

Score:
Name Value
M001 715

Recent Activity :
Recent Activity (last 90 days)
Total Inquiries : 0 Accounts opened: 0 Accounts Updated: 5 Accounts Delinquent: 0

Summary*:
Credit Report Summary
Number of Accounts : 18 Total Balance Amount : Rs. 2748675.00 Recent Account : 17-09-2021
Number of Open Accounts : 6 Total Past Due Amount : Rs. 0.00 Oldest Account : 07-11-2009
Number of Past Due Accounts : 0 Total High Credit : Rs. 0.00 Total Credit Limit : Rs. 0.0
Number of Write-off Accounts : 0 Total Sanction Amount : Rs. 3074777.00 Single Highest Credit : Rs. 0.00
Number of Zero Balance Total Monthly Payment Single Highest Sanction
Accounts : 1 Amount : Rs. 64894.00 Amount : Rs. 2070000.00
Most Severe Status < 24 Months
:
Average Open Balance : Rs. 458112.50 Single Highest Balance : Rs. 2037741.00

*As per data reported at a tradeline level in the account details section

Account Details:
Accounts

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : Yes Date Reported : 2022-11-30
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Opened : 2014-05-24
Ownership Type : Individual
Repayment Tenure : 12
Dispute Code : -
Last Payment : Rs. 24000
Write-off Amount : Rs. -
Institution Type: -
Monthly Payment Amount :Rs.3000
Term Frequency : Monthly
Last Payment Date : 2015-02-05 Date Closed : -
Sanction Amount : Rs.36000 Reason : -
Credit Limit : Rs. - Account status : Current Account
Collateral Value : Rs.-
Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 425 Open : Yes
Type : Gold Loan
Past Due Amount : Rs. - Interest Rate : 11.000 Date Reported : 2016-06-30
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2014-10-30
Repayment Tenure : 30
Write-off Amount : Rs. - Sanction Amount : Rs.25000 Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.32258 Collateral Value : Rs.19445 Account status : Current Account
Term Frequency : Monthly Collateral Type : Gold

Acct # **********
Institution : BANK
Balance : Rs. 518193 Open : Yes
Type : Auto Loan
Past Due Amount : Rs. - Interest Rate : 8.000 Date Reported : 2023-01-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2020-09-03
Repayment Tenure : 84
Write-off Amount : Rs. - Sanction Amount : Rs.713000 Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.10937 Collateral Value : Rs.839808 Account status : Standard
Term Frequency : Monthly Collateral Type : Property

Acct # **********
Institution : BANK
Balance : Rs. 142035 Open : Yes
Type : Housing Loan
Past Due Amount : Rs. - Interest Rate : 9.000 Date Reported : 2023-01-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2021-04-28
Repayment Tenure : 300
Write-off Amount : Rs. - Sanction Amount : Rs.144677 Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.991 Collateral Value : Rs.- Account status : Standard
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 2037741 Open : Yes
Type : Housing Loan
Past Due Amount : Rs. - Interest Rate : 10.000 Date Reported : 2023-01-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2021-04-28
Repayment Tenure : 300
Write-off Amount : Rs. - Sanction Amount : Rs.2070000 Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.15029 Collateral Value : Rs.2930500 Account status : Standard
Term Frequency : Monthly Collateral Type : Property

Acct # **********
Institution : BANK
Balance : Rs. 50281 Open : Yes
Type : Gold Loan
Past Due Amount : Rs. - Interest Rate : 8.000 Date Reported : 2023-01-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2021-09-17
Repayment Tenure : 36
Write-off Amount : Rs. - Sanction Amount : Rs.86100 Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.2679 Collateral Value : Rs.131361 Account status : Standard
Term Frequency : Monthly Collateral Type : Gold

Acct # **********
Institution : FINANCE
Balance : Rs. -17 Open : No
Type : Credit Card
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2022-12-28
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2019-04-07 Date Opened : 2017-05-06
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.- Date Closed : 2018-10-05
Dispute Code : -
Institution Type: - Credit Limit : Rs. 62000 Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Balance : Rs. 0 Open : No
Institution : BANK
Past Due Amount : Rs. - Interest Rate : 7.000
Type : Loan Against Bank Deposits
Last Payment : Rs. - Last Payment Date : - Date Reported : 2018-04-30
Ownership Type : Individual
Write-off Amount : Rs. - Sanction Amount : Rs.173000 Date Opened : 2013-04-11
Repayment Tenure : 24
Institution Type: - Credit Limit : Rs. -
Dispute Code : - Monthly Payment Amount :Rs.7691 Collateral Value : Rs.- Date Closed : 2018-04-04
Term Frequency : Monthly Collateral Type : - Reason : Closed Account
Account status : Closed Account

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2018-04-30
Ownership Type : Individual
Last Payment : Rs. 23512 Last Payment Date : 2018-02-05 Date Opened : 2017-05-31
Repayment Tenure : 12
Write-off Amount : Rs. - Sanction Amount : Rs.35266 Date Closed : 2018-04-08
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.2939 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2018-04-30
Ownership Type : Individual
Last Payment : Rs. 23512 Last Payment Date : 2018-02-05 Date Opened : 2017-05-30
Repayment Tenure : 12
Write-off Amount : Rs. - Sanction Amount : Rs.35266 Date Closed : 2018-04-08
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.2939 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Auto Loan
Past Due Amount : Rs. - Interest Rate : 10.000 Date Reported : 2017-09-30
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2012-07-21
Repayment Tenure : 60
Write-off Amount : Rs. - Sanction Amount : Rs.385000 Date Closed : 2017-09-26
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.10649 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : FINANCE
Balance : Rs. 0 Open : No
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2017-05-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2014-09-19 Date Opened : 2014-01-28
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.12400 Date Closed : 2014-11-21
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : - Collateral Type : -

Acct # **********
Institution : FINANCE
Balance : Rs. 0 Open : No
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2017-05-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2014-09-19 Date Opened : 2014-01-28
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.12000 Date Closed : 2014-11-21
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : - Collateral Type : -

Acct # **********
Institution : FINANCE
Balance : Rs. 0 Open : No
Type : Consumer Loan
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2017-05-31
Ownership Type : Joint Account
Last Payment : Rs. - Last Payment Date : 2014-10-02 Date Opened : 2014-01-28
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.15800 Date Closed : 2014-11-10
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : - Collateral Type : -

Acct # **********
Institution : FINANCE
Balance : Rs. 0 Open : No
Type : Credit Card
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2017-04-17
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2014-12-16 Date Opened : 2009-11-07
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.- Date Closed : 2016-03-25
Dispute Code : -
Reason : Closed Account
Account status : Closed Account
 Institution Type: - Credit Limit : Rs. 0
Monthly Payment Amount :Rs.- Collateral Value : Rs.-
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Auto Loan
Past Due Amount : Rs. - Interest Rate : 13.000 Date Reported : 2016-06-30
Ownership Type : Individual
Last Payment : Rs. 3970 Last Payment Date : 2016-06-18 Date Opened : 2010-09-24
Repayment Tenure : 60
Write-off Amount : Rs. - Sanction Amount : Rs.200000 Date Closed : 2016-06-20
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.4459 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Personal Loan
Past Due Amount : Rs. - Interest Rate : 15.000 Date Reported : 2013-09-30
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2012-06-21
Repayment Tenure : 60
Write-off Amount : Rs. - Sanction Amount : Rs.500000 Date Closed : 2013-09-13
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.11492 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Acct # **********
Institution : BANK
Balance : Rs. 0 Open : No
Type : Personal Loan
Past Due Amount : Rs. - Interest Rate : 15.000 Date Reported : 2012-07-31
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : - Date Opened : 2011-12-27
Repayment Tenure : 60
Write-off Amount : Rs. - Sanction Amount : Rs.50000 Date Closed : 2012-06-21
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.1449 Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Monthly Collateral Type : -

Enquiry Summary:
Purpose Total Past 30 Days Past 12 Months Past 24 Months Recent
ALL 0 0 0 0

Enquiries :
Institution Date Purpose Amount

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
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
Suit Filed, Willful Default and Written
SWDW
Off
SET Settled
* Data Not Reported
RCV Restructured Due to COVID19

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