Dear Sir/ Madam,

This is to inform you that I have applied for a loan against property for a loan amount of Rs.
1,50,00,000/- with your bank. While processing my case there was queries raised by your credit team
about my Cibil records following are the clarification for the same:-

Sr No Name of the Bank  Category Loan amount  Current Outs

1 ICICI Bank  Consumer Loan 23000 88065

2 CITI bank Credit Card 88734 0

3 Axis Bank Credit Card 370000 28264
4 Axis Bank Home Loan 21600000 869400
5 Bajaj OD 1105583 110558
6 Amex Credit Card 0 0
7 Axis Bank Auto loan 1520000 76630
8 HDFC Home Loan 4491031 399559
9 BMW  finance Auto loan 3900000 117124
10 TATA housing Home Loan 10817908 798387
11 SBI card Credit Card 100000 -130
12 HDFC LIP lip 508848 34193
13 HDFC Home Loan 9113000 574009

14 Axis Bank Credit Card 235000 -26

15 New India Home Loan 500000 0
16 Kotak Credit Card 150000 0
17 New India Auto loan 900000 0
18 New India Home Loan 500000 0
19 New India Home Loan 2710000 0

20 Axis Bank PL 300000 0

21 HDFC PL 1200000 0

22 CITI bank Credit Card 30000 -23

23 RBS PLC PL 175000 0

24 CITI bank PL 110000 0

25 HSBC Credit Card 15000 0
26 CITI bank Credit Card 789636 0
 27 ICICI Bank  Credit Card 67578 0

28 CITI bank Credit Card 241235 0

29 Clixclap PL 40408 0

Note :- I never defaulted on my loans except two personal loans which was for the year 2006
wherein there was a job change and the concerned bank was not executing the change of ECS
mode to the other salary account. Apart from this i have availed a multiple loan and the same
got approved all the EMI's are regular with NIL over dues. Requesting you to kindly accept my
clarification and do the needful.