LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Shuvabrata Dam

Customer ID :
Application Reference Number : B195772780
Loan Sourcing Date: 2023-06-17 19:38:38

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between Shuvabrata Dam & Bajaj Finance Limited
(“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master Terms & conditions
uploaded at: B195772780 (collectively referred as “Loan Documentation”) by Shuvabrata Dam for availing
loans as described below vide mobile OTP acceptance in respect of Application Reference Number:
B195772780 as final and binding on Shuvabrata Dam.

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). The electronic records
detailed in Section A and B evidence 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 B195772780
Loan Amount (Rs.) 39900
Loan Type Consumer Durable
Tenure of Loan 9 Months
49.37.35.136
IP Address of BFL

157.40.104.153
IP Address of Customer's Device

Mobile number of Customer 6291623221

Email ID of Customer (if available) sherlock211.holmes@gmail.com
FOS Name & Emp ID GOURAB KUNDU & 147552
FOS email ID(if available)

FOS/Merchant IP Address
 LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Shuvabrata Dam

Customer ID :
Application Reference Number : B195772780
Loan Sourcing Date: 2023-06-17 19:38:38

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: ,
Emp ID/FOS ID: ,
BFL IP Address:
49.37.35.136
Loan Loan Application Link
Application link delivered to Shuvabrata Dam TO:
Application successfully sent
Mobile Number
: 6291623221 & ,
IP Address: Latitude:
Longitude:
of Shuvabrata Dam
FROM:
Application Reference
Number:
B195772780,
Mobile
Number:6291623221,
IP Address:
157.40.104.153

Shuvabrata Dam of Shuvabrata Dam

Loan Application
Loan opened / accessed the link to apply for loan by filling TO:
opened and filled by
Application required details and uploading documents in presence FOS ID: ,
Shuvabrata Dam
of BFL FOS BFL FOS Name :,
FOS/MERCHANT IP
Address:
49.37.35.136

,
FOS email (if
available):,
BFL IP Address:
49.37.35.136

FROM:
Application Reference
Number:
B195772780,
Mobile
Number:6291623221,
Customer's IP Address:
157.40.104.153

of Shuvabrata Dam
Shuvabrata Dam TO:
First OTP read,verified,agreed & accepted the terms and FOS Name: GOURAB Application submitted
Authentication conditions of Loan Documentation (defined above) by KUNDU, by Shuvabrata Dam
clicking on “SUBMIT BUTTON” application to FOS EMP ID: , to generate OTP
generate OTP from BFL software application. FOS email ID (if
available):,
FOS/MERCHANT IP
Address:
49.37.35.136

BFL IP Address:
49.37.35.136

FROM:
Application Reference
Number:
B195772780,
BFL IP Address:

First OTP OTP generated and sent to Shuvabrata Dam from BFL , OTP sent to Shuvabrata
Authentication software application TO: Dam
Mobile
Number:6291623221,
Customer IP Address:
157.40.104.153

of Shuvabrata Dam
FROM:
Application Reference
Number:
B195772780,
BFL IP Address:

First OTP , OTP Received by

OTP Received by Shuvabrata Dam
Authentication TO: Shuvabrata Dam
Mobile
Number:6291623221,
Customer IP address :
157.40.104.153

of Shuvabrata Dam
FROM:
Customer
Name:Shuvabrata Dam,
Application Reference
Number:
B195772780,
Mobile
Number:6291623221,
IP address of customer
157.40.104.153
Digitally accepted PDF
Shuvabrata Dam clicks on "I accept checkbox" by encrypted file containing
First OTP putting OTP and Mobile Number to finalize accepting in respect of said Loan
TO:
Authentication to terms & conditions of said Loan Documentation Documentation stored in
BFL IP Address:
(defined above) BFL server for
verification & validation
,
EMP/FOS/MERCHANT
 IP Address:

,
FOS Name: GOURAB
KUNDU

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Shuvabrata Dam

Customer ID :
Application Reference Number : B195772780
Loan Sourcing Date: 2023-06-17 19:38:38

Date & Cluster /

Action Taken Transaction Log details Output log status
Time Stage
FROM:
Application Reference
Number:B195772780,
Emp email ID (if available)
:
,
BFL IP Address:
Loan Approved by BFL (Salesforce
2023-06-17 system) and bit.ly link containing Loan Approved by BFL
Approval
19:50:52 encrypted pdf with details of , Salesforce System.
disbursement sent to Shuvabrata Dam TO:
Customer Name:
Shuvabrata Dam,
Cust Mobile Number:
6291623221,
Cust IP Address:

157.40.104.153
FROM:
IP Address of
BFL:49.37.35.136

,
BFL Emp name & ID:
Gourab kundu
147552,
SMS & Email confirmation
Application Reference
Second OTP generated and sent to sent by Gourab kundu of
2023-06-17 Second OTP Number:
Shuvabrata Dam via SMS to record BFL to Shuvabrata Dam for
19:50:52 Authentication B195772780
acceptance for disbursal and eMandate; obtaining disbursement &
eMandate
TO:
Customer Name:
Shuvabrata Dam,
Cust Mobile Number:
6291623221,
Cust IP Address:

157.40.104.153
FROM:
Application Reference
 Number:
B195772780,
IP Address of BFL:
49.37.35.136
OTP for Acceptance received
Shuvabrata Dam opened the Second ,
2023-06-17 Second OTP OTP link clicked on “I Accept Check by Shuvabrata Dam for
BFL Emp name & ID: endorsing acceptance for
19:51:13 Authentication Box” Gourab kundu disbursement and eMandate
147552

TO:
Mobile Number of
Customer:
6291623221,
IP Address of Customer:
157.40.104.153
FROM:
Encrypted PDF opened and accepted by
Application Reference Shuvabrata Dam accepted the
Shuvabrata Dam by submitting the
2023-06-17 Second OTP Number:B195772780, disbursement & eMandate
OTP and Mobile Number as
19:51:13 Authentication Customer Name:Shuvabrata details by submitting the OTP
confirmation to disbursement and
Dam, Cust Mobile & Mobile Number
eMandate details
Number:6291623221,

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : Shuvabrata Dam

Customer ID :
Application Reference Number : B195772780
Loan Sourcing Date: 2023-06-17 19:38:38

Date & Transaction Log Output log

Cluster / Stage Action Taken
Time details status
FROM:
Application
Reference Number:
B195772780, Digitally
Customer Name: accepted
Shuvabrata Dam, encrypted PDF
Cust Mobile Number: file containing
6291623221, Cust IP in respect of
PDF encrypted file containing Loan Documentation, Address: said Loan
2023-06-17 Second OTP
Disbursement details and eMandate details created and got 157.40.104.153 document
19:51:13 Authentication
stored in BFL server stored in BFL
server at IP
TO: address:
BFL IP Address: 49.37.35.136
49.37.35.136

,
BFL Emp name:
Gourab kundu
FROM:
Customer Name:
Shuvabrata Dam,
Application
Reference Number:
B195772780,
Mobile Number:
6291623221, Application
 of Shuvabrata Dam Reference
2023-06-22 Verification & Encrypted pdf Loan Documentation opened and verified by TO: Number.
18:14:06 Validation Gourab kundu of BFL BFL IP Address: B195772780,
49.37.35.136 verified and
validated
, Gourab kundu
Emp Name: Gourab
kundu,
Emp email ID (if
available):
,
EMP IP Address:
,
FROM:
Customer
Annexure of
Name:Shuvabrata
“Transaction
Dam,
Audit Trail Annexure created and annexed with Encrypted Audit Trail
Cust Mobile
PDF filed stored in BFL Server containing Loan Application Sheet” attached
2023-06-22 Transaction Number:6291623221,
with Audit Trail Sheet, Master T&Cs, ECS / Electronic to encrypted
18:14:06 Completed Application
Payment Mandate, KYC and welcome intimation & Loan pdf document
Reference
EMI payment schedules containing ____
Number:B195772780
stored in BFL
server
TO:
Date Time
Application
Reference Number:
B195772780,
Complete PDF file in respect of said Loan Documentation
2023-06-22 Transaction Customer Process
(defiled above) along with audit trail history got stored in
18:14:06 Completed Name:Shuvabrata Complete
BFL server
Dam,
Customer
Mobile:6291623221,
Successfully
Storage of
The Sanction Cum Chargeslip sent in OTP SMS and stored PDF file
2023-06-22 Sanction Cum
accepted by customer by submission of OTP, is stored in BFL internal systems of Sanction
18:14:06 Chargeslip in
PDF file BFL Records Cum Chargeslip
BFL Records
in BFL Records