LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Gurpreet Verma

Customer ID : 126090449
Application Reference Number : B188104585
Loan Sourcing Date: 2023-04-29 16:52:58

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between Gurpreet Verma & Bajaj Finance Limited
(“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master Terms & conditions
uploaded at: B188104585 (collectively referred as “Loan Documentation”) by Gurpreet Verma for availing
loans as described below vide mobile OTP acceptance in respect of Application Reference Number:
B188104585 as final and binding on Gurpreet Verma.

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 Gurpreet Verma 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 B188104585
Loan Amount (Rs.) 48000
Loan Type Consumer Durable
Tennure of Loan 15 Months
IP Address of BFL 103.40.198.231
IP Address of Customer's Device 152.58.79.246
Mobile number of Customer 9855391534
Email ID of Customer (if available) gurpreetverma523@gmail.com
FOS Name & Emp ID Harwinder Singh & 316973
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
Partner Order ID
ATOS Acquiring Channel of AUTH
Online Portal Name

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Gurpreet Verma

Customer ID : 126090449
Application Reference Number : B188104585
Loan Sourcing Date: 2023-04-29 16:52:58

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: Harwinder
Singh,
Emp ID/FOS ID:
316973,
BFL IP Address:
Loan Application
Loan 103.40.198.231
Application link delivered to Gurpreet Verma Link successfully
Application TO:
sent
Mobile Number
: 9855391534 & ,
IP Address: Latitude:
Longitude:
of Gurpreet Verma
FROM:
Application Reference
Number:
B188104585,
Mobile
Number:9855391534,
IP Address:

Gurpreet Verma of Gurpreet Verma Loan Application

Loan opened / accessed the link to apply for loan by TO: opened and filled by
Application filling required details and uploading documents in FOS ID: 316973,
presence of BFL FOS BFL FOS Name Gurpreet Verma
:Harwinder Singh,
 FOS/MERCHANT IP
Address:
103.40.198.231,
FOS email (if
available):,
BFL IP Address:
103.40.198.231
FROM:
Application Reference
Number:
B188104585,
Mobile
Number:9855391534,
Customer's IP Address:
Gurpreet Verma
of Gurpreet Verma Application
read,verified,agreed & accepted the terms and
First OTP TO: submitted by
conditions of Loan Documentation (defined above)
Authentication FOS Name: Harwinder Gurpreet Verma
by clicking on “SUBMIT BUTTON” application to
Singh, to generate OTP
generate OTP from BFL software application.
FOS EMP ID: 316973,
FOS email ID (if
available):,
FOS/MERCHANT IP
Address:
103.40.198.231,
BFL IP Address:
103.40.198.231
FROM:
Application Reference
Number:
B188104585,
BFL IP Address:
First OTP OTP generated and sent to Gurpreet Verma from , OTP sent to
Authentication BFL software application TO: Gurpreet Verma
Mobile
Number:9855391534,
Customer IP Address:

of Gurpreet Verma
FROM:
Application Reference
Number:
B188104585,
BFL IP Address:
First OTP , OTP Received by
OTP Received by Gurpreet Verma
Authentication TO: Gurpreet Verma
Mobile
Number:9855391534,
Customer IP address :

of Gurpreet Verma
FROM:
Customer
Name:Gurpreet Verma,
Application Reference
Number:
B188104585, Digitally accepted
Mobile PDF encrypted file
Gurpreet Verma clicks on "I accept checkbox" by Number:9855391534, containing in
 First OTP putting OTP and Mobile Number to finalize IP address of customer respect of said Loan
Authentication accepting to terms & conditions of said Loan Documentation
Documentation (defined above) TO: stored in BFL server
BFL IP Address: for verification &
, validation
EMP/FOS/MERCHANT
IP Address:
,
FOS Name: Harwinder
Singh

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Gurpreet Verma

Customer ID : 126090449
Application Reference Number : B188104585
Loan Sourcing Date: 2023-04-29 16:52:58

Date & Cluster /

Action Taken Transaction Log details Output log status
Time Stage
FROM:
Application Reference
Number:B188104585,
Emp email ID (if
Loan Approved by BFL (Salesforce
available) : , BFL IP
system) and bit.ly link containing
2023-04-29 Address:, Loan Approved by BFL
Approval encrypted pdf with details of
19:43:03 TO: Salesforce System.
disbursement sent to Gurpreet
Customer Name:Gurpreet
Verma
Verma, Cust Mobile
Number:9855391534,
Cust IP Address:
152.58.79.246
FROM:
IP Address of
BFL:103.40.198.231,
BFL Emp name & ID:
Harwinder Singh 316973, SMS & Email confirmation
Second OTP generated and sent to
Application Reference sent by Harwinder Singh of
2023-04-29 Second OTP Gurpreet Verma via SMS to
Number:B188104585 BFL to Gurpreet Verma
19:43:03 Authentication record acceptance for disbursal and
TO: for obtaining disbursement
eMandate;
Customer Name:Gurpreet & eMandate
Verma, Cust Mobile
Number:9855391534,
Cust IP Address:
152.58.79.246
FROM:
Application Reference
Number:B188104585, IP
Address of
BFL:103.40.198.231, OTP for Acceptance
Gurpreet Verma opened the Second BFL Emp name & ID: received by Gurpreet
2023-04-29 Second OTP
OTP link clicked on “I Accept Harwinder Singh 316973 Verma for endorsing
19:44:33 Authentication
Check Box” TO:

Encrypted PDF opened and
accepted by Gurpreet Verma by
2023-04-29 Second OTP
submitting the OTP and Mobile
19:44:33 Authentication
Number as confirmation to
disbursement and eMandate details
Mobile Number of acceptance for
Customer:9855391534, disbursement and eMandate
IP Address of Customer:
152.58.79.246
FROM:
Gurpreet Verma accepted
Application Reference
the disbursement &
Number:B188104585,
eMandate details by
Customer Name:Gurpreet
submitting the OTP &
Verma, Cust Mobile
Mobile Number
Number:9855391534,

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Gurpreet Verma

Customer ID : 126090449
Application Reference Number : B188104585
Loan Sourcing Date: 2023-04-29 16:52:58

Date &
Cluster / Stage Action Taken Transaction Log details Output log status
Time
FROM:
Application Reference
Number:
B188104585, Customer
Name:Gurpreet Verma, Digitally accepted
Cust Mobile encrypted PDF file
PDF encrypted file containing Loan
Number:9855391534, containing in respect of
2023-04-29 Second OTP Documentation, Disbursement details and
Cust IP Address: said Loan document
19:44:33 Authentication eMandate details created and got stored
152.58.79.246 stored in BFL server at
in BFL server
IP
TO: address:103.40.198.231
BFL IP
Address:103.40.198.231,
BFL Emp name:
Harwinder Singh
FROM:
Customer
Name:Gurpreet Verma,
Application Reference
Number:
B188104585, Mobile
Application Reference
Encrypted pdf Loan Documentation Number:9855391534, of
2023-04-29 Verification & Number.B188104585,
opened and verified by Harwinder Singh Gurpreet Verma
21:03:05 Validation verified and validated
of BFL TO:
Harwinder Singh
BFL IP
Address:103.40.198.231,
Emp Name: Harwinder
Singh, Emp email ID (if
available): , EMP IP
Address:,
FROM:
Audit Trail Annexure created and Customer Annexure of
annexed with Encrypted PDF filed stored Name:Gurpreet Verma, “Transaction Audit
in BFL Server containing Loan Cust Mobile Trail Sheet” attached to
2023-04-29 Transaction Application with Audit Trail Sheet, Number:9855391534, encrypted pdf
 21:03:05 Completed Master T&Cs, ECS / Electronic Payment Application Reference document containing
Mandate, KYC and welcome intimation Number:B188104585 ____ stored in BFL
& Loan EMI payment schedules TO: server
Date Time
Application Reference
Complete PDF file in respect of said Number:
2023-04-29 Transaction Loan Documentation (defiled above) B188104585, Customer
Process Complete
21:03:05 Completed along with audit trail history got stored in Name:Gurpreet Verma,
BFL server Customer
Mobile:9855391534,
Storage of The Sanction Cum Chargeslip sent in Successfully stored
2023-04-29 Sanction Cum OTP SMS and accepted by customer by PDF file of Sanction
BFL internal systems
21:03:05 Chargeslip in submission of OTP, is stored in PDF file Cum Chargeslip in
BFL Records BFL Records BFL Records

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

Invoice Copy)
FOS/Merchant IP address :