Credit Health Report

Get a detailed understanding of your credit history, learn about

the factors that affect your CIBIL Score, and see how you can
manage your credit health like a pro!

06 June 2023
 Credit Score
Your CIBIL Score ranges between 300 and 900. A score of 700 or
higher can help you get better terms on loans and cards.

Personal Details
This includes your name, date of birth, PAN, Aadhaar, and other
details.

Credit Factors
The factors that affect your CIBIL Score such as repayment
history, credit utilisation, credit enquiries and more.

Account Summary
This offers an overview of all your loans and credit cards. It
contains the details of the lending institutions, account details,
and more.

Credit Enquiry
An overview of all your credit enquiries – typically made by
financial institutions.

Do’s and Don’ts

The things you need to keep in mind to build a good credit
history. This will help you improve and maintain a good credit
profile.
 your credit score is great
Congratulations, your credit score helps you get loan approval with ease.

757
Lenders use credit scores to assess an individual's creditworthiness when considering loan applications. A
good credit score improves the chances of loan approvals at lower interest rates, while a poor score may result
in loan rejections or high-interest rates. It's crucial to maintain a good credit score by paying debts on time,
limiting credit utilisation, and not applying for too much credit too frequently.

Trends
This chart helps you understand how your credit score has changed over time.

757
0 Points


/900

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Personal details

Name Date of birth Gender

BIKASH NAHAK 08/12/1999 Male

Identification type PAN

Income Tax ID Number (PAN) XXXXXX949P

Contact information

Address 1
JWL COLD STORE PVT LTD PADEGAR PANVEL NAVI MUMBAI RAIGARH MAHARASHTRA 410206
Category Status Date Reported
Office - 04/11/2022

Address 2
206 P DHARMU BAI NIWAS PARGAON PANVEL URAN PANVEL ROAD RAIGARH MAHARASHTRA 410206
Category Status Date Reported
Residence Rented 04/11/2022

Address 3
S/O PRANANATH NAHAK ODIA ALAPUR ODIA CHATRAPUR ODISHA 761029
Category Status Date Reported
Permanent - 04/11/2022

Address 4
NAVI MUMBAI MAHARASHTRA 410206
Category Status Date Reported
Others Owned 09/05/2022

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Contact information

Telephone number Telephone number Extension

type
Mobile Phone 9324586848 -
Office Phone 7208581255 -
Mobile Phone 7208581255 -
Mobile Phone 8249022794 -

Email contact
Email address 1 BIKASHNAHAK21@GMAIL.COM

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Credit Factors
Your credit score is impacted by these factors

Repayment History FAIR Credit Card Utilisation GOOD

Record of all your past and present payments made to your Percentage of credit utilised from the total credit card
lenders. amount extended by your lenders.
"You have made 61% payments on time ("→ 0% change from “You have utilised 0% amount of your total credit card limit
last score refresh)" ("→ 0% change from last score refresh)”

On time payments Total payments Utilised limit Total credit card limit
31 51 Rs. 0 Rs. 65,000

Types Of Credit BAD Length Of Credit History GOOD

Refers to the different accounts for credit cards and loans

Refers to the age of your oldest and newest accounts to
and their nature whether secured or unsecured.
determine the average credit age
“Your secured loans to total loans ratio is 0% ("→ 0%
“Your oldest account is 48 months old ("→ 0% change from
change from last score refresh)”
last score refresh)”

Secured loan balance Unsecured loan balance Oldest account Newest account
Rs. 0 Rs. 0 48 months 1 months

Credit Enquiries FAIR

Every time a lender checks your credit score after you

apply for a loan or credit card.
“There have been 16 enquiries on your PAN ("→ 0% change
from last score refresh)”

Total enquiries till date Enquiries in past 3 months

16 7

The CIBIL Score essentially helps lenders decide whether you should be given a loan. It is important to understand
the factors that influence your score to ensure that you have a good score that will help you access funds when you
need them. For example, your CIBIL Score increases once you successfully clear an existing loan and decreases
when you make a large number of loan enquiries.

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Account Summary
View all your loans and credit cards summary in one place.

Good Account Bad Account

Indicates that you have Indicates that you may
made all your EMIs on have missed a few EMIs.
time.

Credit card
Timely payments and responsible credit card usage can positively impact your credit report.
Personal Loan
Applying for multiple personal loans within a short timeframe may raise concerns among lenders.
Auto Loan
Co-signing an auto loan for someone else can impact your credit report. If the primary borrower misses payments, it
can negatively affect your credit standing.
Home Loan
A home loan with a low debt-to-income ratio can positively impact your credit report.
Other Loan
A diverse credit mix that includes various types of loans can benefit your credit report.

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE

Credit Card | SBI CARD

High Credit Amount: Rs. 4,690 Ownership: Individual
Date of last payment: 25/02/2023

Account details:

Type of account Credit card number Highest credit utilisation

Credit Card 0004377486008102046 Rs. 4,690

Current balance Cash limit Amount overdue

- Rs. 500 -

Account description:

Rate of interest Repayment tenure EMI amount

- - -

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

28/09/2022 - 05/05/2023

Payment start date Payment end date Date of last payment

01/11/2022 01/05/2023 25/02/2023

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- ---     

2022   --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE

Credit Card | BOB FINANCIAL

High Credit Amount: - Ownership: Individual
Date of last payment: -

Account details:

Type of account Credit card number Highest credit utilisation

Credit Card 3061198783023940889 -

Current balance Cash limit Amount overdue

- - -

Account description:

Rate of interest Repayment tenure EMI amount

- - -

Payment frequency Type of collateral Value of collateral

- - -

Account dates:

Date opened Date closed Date reported

18/03/2023 - 17/05/2023

Payment start date Payment end date Date of last payment

01/04/2023 01/05/2023 -

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- ---   --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE

Credit Card | RBL BANK LTD

High Credit Amount: - Ownership: Individual
Date of last payment: -

Account details:

Type of account Credit card number Highest credit utilisation

Credit Card 0007478830004074496 -

Current balance Cash limit Amount overdue

- Rs. 3,500 -

Account description:

Rate of interest Repayment tenure EMI amount

- - -

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

26/04/2023 - 14/05/2023

Payment start date Payment end date Date of last payment

01/05/2023 01/05/2023 -

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- ---  --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE

Credit Card | RBL BANK LTD

High Credit Amount: - Ownership: Individual
Date of last payment: -

Account details:

Type of account Credit card number Highest credit utilisation

Credit Card 0007478830003896956 -

Current balance Cash limit Amount overdue

- - -

Account description:

Rate of interest Repayment tenure EMI amount

- - -

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

26/04/2023 - 14/05/2023

Payment start date Payment end date Date of last payment

01/05/2023 01/05/2023 -

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- ---  --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE

Credit Card | RBL BANK LTD

High Credit Amount: - Ownership: Individual
Date of last payment: -

Account details:

Type of account Credit card number Highest credit utilisation

Credit Card 0007478650016041196 -

Current balance Cash limit Amount overdue

- - -

Account description:

Rate of interest Repayment tenure EMI amount

- - -

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

26/04/2023 - 14/05/2023

Payment start date Payment end date Date of last payment

01/05/2023 01/05/2023 -

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- ---  --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED

Consumer Loan | BAJAJ FIN LTD

Sanctioned loan amount: Rs. 22,500 Ownership: Individual
Date of last payment: 02/11/2022

Account details:

Type of account Account number Sanctioned loan amount

Consumer Loan 5770CDHY723265 Rs. 22,500

Current balance Cash limit Amount overdue

- - -

Account description:

Rate of interest Repayment tenure EMI amount

- 10 months Rs. 2,250

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

28/02/2022 07/12/2022 31/01/2023

Payment start date Payment end date Date of last payment

01/02/2022 01/01/2023 02/11/2022

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2023 --- --- --- --- --- --- --- --- --- --- --- 

2022            ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED

Two-wheeler Loan | HERO FINCORP

Sanctioned loan amount: Rs. 57,000 Ownership: Individual
Date of last payment: 23/09/2021

Account details:

Type of account Account number Sanctioned loan amount

Two-wheeler Loan QABTWL00100004005914 Rs. 57,000

Current balance Cash limit Amount overdue

- - -

Account description:

Rate of interest Repayment tenure EMI amount

17.58% 25 months Rs. 1,551

Payment frequency Type of collateral Value of collateral

Monthly - -

Account dates:

Date opened Date closed Date reported

09/05/2019 27/09/2021 30/09/2021

Payment start date Payment end date Date of last payment

01/07/2019 01/09/2021 23/09/2021

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Payment Status

Year/
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Month

2021 --- --- ---         

2020            

2019       --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Do’s and Don’ts

Do's Dont's

Pay your bills on time: Make sure to pay your credit Don't apply for too much credit at once: Avoid
card bills and loan EMIs on time. This is the most applying for too many loans or credit cards at the
important factor that affects your CIBIL Score. same time. This can make you look credit hungry and
can negatively affect your CIBIL Score.

Check your credit report regularly: Check your credit Don't default on your payments: Missing payments or
report regularly and ensure that all the information on defaulting on your loans can have a severe impact on
it is correct. If you find any discrepancies, report your CIBIL Score.
them to the credit bureau immediately.

Keep your credit utilisation low: Try to keep your Don't close old credit accounts: Closing old credit
credit utilisation ratio below 30%. This means that you accounts can reduce the length of your credit history,
should not use more than 30% of your credit limit. which can negatively impact your CIBIL Score.

Diversify your credit portfolio: Having a mix of Don't exceed your credit limit: Try not to exceed your
different types of credit, such as a credit card, a credit limit, as this can show that you are unable to
personal loan, and a home loan can improve your manage your finances.
CIBIL Score.

Maintain a long credit history: The longer your credit Don't ignore your credit report: Ignoring your credit
history, the better it is for your CIBIL Score. So, avoid report can lead to errors or fraud going unnoticed,
closing old credit accounts, as they add to your credit which can negatively impact your CIBIL Score.
history.

Set up automatic payments: Setting up automatic Don't co-sign for loans: Co-signing for someone else's
payments for your bills and loans will ensure that you loan can negatively affect your CIBIL Score if they
don't miss any payments. default on the loan.

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Credit Enquiry Information

MEMBER NAME DATE OF ENQUIRY ENQUIRY PURPOSE ENQUIRY AMOUNT

AXIS BANK 05-06-2023 CREDIT CARD 10,000
RBL BANK 27-04-2023 CREDIT CARD 1,000
RBL BANK LTD 24-04-2023 CREDIT CARD 1,000
BAJAJ FIN LTD 28-03-2023 OTHER 1,50,000
RBL BANK 24-03-2023 CREDIT CARD 1,000
RBL BANK LTD 22-03-2023 CREDIT CARD 1,000
RBL BANK LTD 20-03-2023 CREDIT CARD 1,000
HDFC BANK 03-02-2023 CREDIT CARD 1,000
IDFC FIRST BANK 17-01-2023 CONSUMER LOAN 10,000
IDFC FIRST BANK 17-01-2023 CONSUMER LOAN 10,000
SBI CARD 26-09-2022 CREDIT CARD 100
SBI CARD 21-09-2022 CREDIT CARD 100
AXIS BANK 25-08-2022 CREDIT CARD 10,000
BAJAJ FIN LTD 09-05-2022 PERSONAL LOAN 25,000
BAJAJ FIN LTD 26-02-2022 CONSUMER LOAN 22,500
HDFC BANK 26-02-2022 CONSUMER LOAN 50,000

End of Credit Health Report

Disclaimer: "All information contained in this credit report has been collated by TransUnion CIBIL Limited (TU CIBIL) based on
information provided/ submitted by its various members("Members"), as part of periodic data submission and Members are required
to ensure accuracy, completeness and veracity of the information submitted. The credit report is generated using the proprietary
search and match logic of TU CIBIL. TU CIBIL uses its best efforts to ensure accuracy, completeness and veracity of the information
contained in the Report and shall only be liable and / or responsible if any discrepancies are directly attributable to TU CIBIL. The
use of this report is governed by the terms and conditions of the Operating Rules for TU CIBIL and its Members."

The details in the report are derived “as is" from the CIBIL Report

< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >