LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Tarana Khatun

Customer ID : 159421366
Application Reference Number : B165081937
Loan Sourcing Date: 2022-10-23 18:09:57

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between Tarana Khatun & Bajaj Finance Limited
(“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master Terms & conditions
uploaded at: B165081937 (collectively referred as “Loan Documentation”) by Tarana Khatun for availing
loans as described below vide mobile OTP acceptance in respect of Application Reference Number:
B165081937 as final and binding on Tarana Khatun.

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 Tarana Khatun 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 B165081937
Loan Amount (Rs.) 3599
Loan Type Consumer Durable
Tennure of Loan 12
IP Address of BFL 157.35.17.248
IP Address of Customer's Device 2401:4900:3b3e:3f99:28c2:db70:49d3:325c
Mobile number of Customer 6201714300
Email ID of Customer (if available)
FOS Name & Emp ID URMILA KUMARI & 419398
FOS email ID(if available)
FOS/Merchant IP Address
Latitude:
Geo-tagging details
Longitude:
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 : Tarana Khatun

Customer ID : 159421366
Application Reference Number : B165081937
Loan Sourcing Date: 2022-10-23 18:09:57

Section B – Audit Trail Transaction History With Intake to

Corresponding Details in Section A above
Date
Cluster /
& Action Taken Transaction Log Output log status
Stage
Time
FROM: URMILA
KUMARI,
Emp ID/FOS ID:
419398,
BFL IP Address:
Loan Application
Loan 157.35.17.248
Application link delivered to Tarana Khatun Link successfully
Application TO:
sent
Mobile Number
: 6201714300 & ,
IP Address: Latitude:
Longitude:
of Tarana Khatun
FROM:
Application Reference
Number:B165081937,
Mobile
Number:6201714300,
IP Address:
of Tarana Khatun
TO:
Tarana Khatun opened / accessed the link to apply Loan Application
Loan FOS ID: 419398,
for loan by filling required details and uploading opened and filled
Application BFL FOS Name
documents in presence of BFL FOS by Tarana Khatun
:URMILA KUMARI,
FOS/MERCHANT IP
Address:
157.35.17.248,
FOS email (if
available):,
BFL IP Address:
157.35.17.248
 FROM:
Application Reference
Number:B165081937,
Mobile
Number:6201714300,
Customer's IP Address:
of Tarana Khatun
Tarana Khatun read, verified, agreed & accepted
TO: Application
the terms and conditions of Loan Documentation
First OTP FOS Name: URMILA submitted by
(defined above) by clicking on “SUBMIT
Authentication KUMARI, Tarana Khatun to
BUTTON” application to generate OTP from BFL
FOS EMP ID: 419398, generate OTP
software application.
FOS email ID (if
available):,
FOS/MERCHANT IP
Address:
157.35.17.248,
BFL IP Address:
157.35.17.248
FROM:
Application Reference
Number:B165081937,
BFL IP Address:,
First OTP OTP generated and sent to Tarana Khatun from OTP sent to
TO:
Authentication BFL software application Tarana Khatun
Mobile
Number:6201714300,
Customer IP Address:
of Tarana Khatun
FROM:
Application Reference
Number:B165081937,
BFL IP Address:,
First OTP OTP Received by
OTP Received by Tarana Khatun TO:
Authentication Tarana Khatun
Mobile
Number:6201714300,
Customer IP address :
of Tarana Khatun
FROM:
Customer Name:Tarana
Khatun,
Application Reference
Digitally accepted
Number:B165081937,
PDF encrypted file
Mobile containing in
Tarana Khatun clicks on "I accept checkbox" by Number:6201714300,
respect of said
First OTP putting OTP and Mobile Number to finalize IP address of customer
Loan
Authentication accepting to terms & conditions of said Loan Documentation
Documentation (defined above) TO: stored in BFL
BFL IP Address:, server for
EMP/FOS/MERCHANT verification &
IP Address: validation
,
FOS Name: URMILA
KUMARI

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Tarana Khatun
Customer ID : 159421366
Application Reference Number : B165081937
Loan Sourcing Date: 2022-10-23 18:09:57

Date & Cluster / Transaction Log Output log

Action Taken
Time Stage details status
FROM:
Application Reference
Number:B165081937,
Emp email ID (if
Loan Approved by BFL available) : , EMP IP
(Salesforce system) and Address:, Loan Approved
2022-10-23 bit.ly link containing TO: by BFL
Approval
18:13:40 encrypted pdf with details Customer Salesforce
of disbursement sent to Name:Tarana Khatun, System.
Tarana Khatun Cust Mobile
Number:6201714300,
Cust IP Address:
2401:4900:3b3e:3f99
:28c2:db70:49d3:325c
FROM:
IP Address of
BFL:157.35.17.248,
BFL Emp name & ID:
SMS & Email
Urmila Kumari
Second OTP generated and confirmation sent
419398, Application
sent to Tarana Khatun via by Urmila
Reference
SMS to Kumari of BFL
2022-10-23 Second OTP Number:B165081937
{firstOtpFosMobile} & to Tarana
18:13:40 Authentication TO:
emailed to to record Khatun for
Customer
acceptance for disbursal obtaining
Name:Tarana Khatun,
and eMandate; disbursement &
Cust Mobile
eMandate
Number:6201714300,
Cust IP Address:
2401:4900:3b3e:3f99
:28c2:db70:49d3:325c
FROM:
Application Reference
Number:B165081937,
IP Address of OTP for
BFL:157.35.17.248, Acceptance
BFL Emp name & ID: received by
Tarana Khatun opened the Urmila Kumari 419398 Tarana
2022-10-23 Second OTP
Second OTP link clicked Khatun for
18:13:50 Authentication
on “I Accept Check Box” TO: endorsing
Mobile Number of acceptance for
Customer:6201714300, disbursement and
IP Address of eMandate
Customer:
2401:4900:3b3e:3f99
:28c2:db70:49d3:325c
Encrypted PDF opened and FROM: Tarana Khatun
accepted by Tarana Application Reference accepted the
Khatun by submitting the Number:B165081937, disbursement &
OTP and Mobile Number Customer eMandate details
2022-10-23 Second OTP
18:13:50 Authentication
 as confirmation to Name:Tarana Khatun, by submitting the
disbursement and Cust Mobile OTP & Mobile
eMandate details Number:6201714300, Number

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Tarana Khatun

Customer ID : 159421366
Application Reference Number : B165081937
Loan Sourcing Date: 2022-10-23 18:09:57

Date &
Cluster / Stage Action Taken Transaction Log details Output log status
Time
FROM:
Application Reference
Number:
B165081937, Customer
Name:Tarana Khatun, Digitally accepted
Cust Mobile encrypted PDF file
PDF encrypted file containing Loan
Number:6201714300, containing in respect
2022-10-23 Second OTP Documentation, Disbursement details and
Cust IP Address: of said Loan
18:13:50 Authentication eMandate details created and got stored in
2401:4900:3b3e:3f99 document stored in
BFL server
:28c2:db70:49d3:325c BFL server at IP
TO: address:157.35.17.248
BFL IP
Address:157.35.17.248,
BFL Emp name:
Urmila Kumari
FROM:
Audit Trail Annexure created and annexed Customer Annexure of
with Encrypted PDF filed stored in BFL Name:Tarana Khatun, “Transaction Audit
Server containing Loan Application with Cust Mobile Trail Sheet” attached
2022-10-25 Transaction
Audit Trail Sheet, Master T&Cs, ECS / Number:6201714300, to encrypted pdf
13:11:45 Completed
Electronic Payment Mandate, KYC and Application Reference document containing
welcome intimation & Loan EMI payment Number:B165081937 ____ stored in BFL
schedules TO: server
Date Time
Application Reference
Number:
Complete PDF file in respect of said Loan
2022-10-25 Transaction B165081937, Customer
Documentation (defiled above) along with Process Complete
13:11:45 Completed Name:Tarana Khatun,
audit trail history got stored in BFL server
Customer
Mobile:6201714300,
FROM:
Customer
Name:Tarana Khatun,
Application Reference
Number:
B165081937, Mobile
Number:6201714300, Application Reference
2022-10-23 Verification & Encrypted pdf Loan Documentation opened of Tarana Khatun Number.B165081937,
18:13:50 Validation and verified by URMILA KUMARI of BFL TO: verified and validated
BFL IP Urmila Kumari
Address:157.35.17.248,
Emp Name: Urmila
 Kumari, Emp email ID
(if available): , EMP IP
Address:,

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

Invoice Copy)
FOS/Merchant IP address :