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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!

Last refresh date: 28 August 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

759 with ease.

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.

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


nirmal kumar 25/06/1980 Male

Identification type PAN


Income Tax ID Number XXXXXX844L
(PAN)

Contact information

Address 1
MALKAJGIRI
Category Status Date Reported
Permanent - 22/07/2022

Address 1
500014, HYDERABAD, TELANGANA HYDERABAD
Category Status Date Reported
Residence - 13/07/2022

Address 1
MAHINDRA TOWERS NO 17/18 PATTULOS , ROADROYAPETTAH ANNA SALAI MOUNT ROAD ,, , ,
CHENNAI
Category Status Date Reported
Office - 08/07/2022

Address 1
NO42 CHENNAI CHENNAI CHENNAI
Category Status Date Reported
Residence - 04/07/2022

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
Office Phone 9884626781 -
Mobile Phone 9884626781 -
Mobile Phone 9841012345 -
Office Phone 27846276 -

Email contact
Email address 1 SBOANIRMAL@YAHOO.COM
Email address 2 BALAKAMATCHI.NIRMALKUMAR@MAHINDRA.COM
Email address 3 BALAKAMATCHI.NIMALKUMAR@MAHINDRA.COM
Email address 4 NIRMAL25JONE@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 Percentage of credit utilised from the total credit
made to your lenders card amount extended by your lenders.
"You have made 93% payments on time ( 0 % → “You have utilised 32% amount of your total credit
change from last score refresh)" card limit ( 0 % change from last score refresh)”

On time payments Total payments Utilised limit Total credit card limit
608 651 Rs. 3,02,748 Rs. 9,55,400

Types Of Credit GOOD Length Of Credit History GOOD

Refers to the different accounts for credit cards


Refers to the age of your oldest and newest
and loans and their nature whether secured or
accounts to determine the average credit age
unsecured.
“Your oldest account is 264 months old ( 0 %→
“Your secured loans to total loans ratio is 34 % ( →
change from last score refresh)”
0% change from last score refresh)”
Secured loan balance Unsecured loan balance Oldest account Newest account
Rs. 27,36,606 Rs. 54,19,120 264 months - months

Credit Enquiries BAD

Every time a lender checks your credit score after


you apply for a loan or credit card
“There have been 50 enquiries on your PAN ( 0 % →

change from last score refresh)”

Total enquiries till Enquiries in past 3


date months
50 15

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 time. have missed a few EMIs.

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

Personal Loan | NAVI

Sanctioned loan amount: Rs. 3,70,000 Ownership: Individual

Date of last payment: -

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 010002606744 Rs. 3,70,000
Current balance Cash limit Amount overdue
Rs. 3,70,000 - -
Rate of interest Repayment tenure EMI amount
22 48 Rs. 11,700
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
05/08/2023 - 05/08/2023
Payment start date Payment end date Date of last payment
01/08/2023 01/08/2023 -

Payment Status

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

Personal Loan | TCFSL

Sanctioned loan amount: Rs. 5,79,700 Ownership: Individual

Date of last payment: -

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan TCFPL0453000011994358 Rs. 5,79,700
Current balance Cash limit Amount overdue
Rs. 5,67,559 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
18/04/2023 - 31/07/2023
Payment start date Payment end date Date of last payment
01/04/2023 01/07/2023 -

Payment Status

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

Personal Loan | ADITYA BIRLA F L

Sanctioned loan amount: Rs. 5,00,000 Ownership: Individual

Date of last payment: 06/07/2023

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan ABHYD0PL000000575227 Rs. 5,00,000
Current balance Cash limit Amount overdue
Rs. 4,45,312 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
21/07/2022 - 31/07/2023
Payment start date Payment end date Date of last payment
01/07/2022 01/07/2023 06/07/2023

Payment Status

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

Personal Loan | TCFSL

Sanctioned loan amount: Rs. 10,18,715 Ownership: Individual

Date of last payment: -

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan TCFPL0453000011444953 Rs. 10,18,715
Current balance Cash limit Amount overdue
Rs. 8,53,843 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
28/05/2022 - 31/07/2023
Payment start date Payment end date Date of last payment
01/05/2022 01/07/2023 -

Payment Status

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

Personal Loan | HDFC BANK

Sanctioned loan amount: Rs. 39,00,000 Ownership: Individual

Date of last payment: 07/07/2023

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 124516650 Rs. 39,00,000
Current balance Cash limit Amount overdue
Rs. 28,72,661 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
25/11/2021 - 31/07/2023
Payment start date Payment end date Date of last payment
01/11/2021 01/07/2023 07/07/2023

Payment Status

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

2023 --- --- --- --- ---

2022

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 >
Detailed Account Summary
ACTIVE

Housing Loan | INDIABULLS HFC

Sanctioned loan amount: Rs. 29,70,000 Ownership: Individual

Date of last payment: 05/07/2023

Account Details:

Type of account Account number Sanctioned loan amount


Housing Loan HHLCHE00266232 Rs. 29,70,000
Current balance Cash limit Amount overdue
Rs. 27,36,606 - -
Rate of interest Repayment tenure EMI amount
- 390 -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
26/03/2016 - 31/07/2023
Payment start date Payment end date Date of last payment
01/08/2020 01/07/2023 05/07/2023

Payment Status

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

2023 --- --- --- --- ---

2022

2021

2020 --- --- --- --- --- --- ---

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 | HSBC

Sanctioned loan amount: Rs. 72,394 Ownership: Individual

Date of last payment: 16/06/2009

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 4384599912236147 Rs. 72,394
Current balance Cash limit Amount overdue
Rs. 6,997 - Rs. 6,997
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
11/02/2006 - 31/12/2010
Payment start date Payment end date Date of last payment
01/01/2008 01/12/2010 16/06/2009

Payment Status

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

2010

2009 --- ---

2008 --- --- --- --- ---

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 | HDFC BANK

Sanctioned loan amount: Rs. 7,19,687 Ownership: Individual

Date of last payment: 10/07/2023

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 0004854980807751567 Rs. 7,19,687
Current balance Cash limit Amount overdue
Rs. 3,02,748 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
28/02/2009 - 31/07/2023
Payment start date Payment end date Date of last payment
01/08/2020 01/07/2023 10/07/2023

Payment Status

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

2023 --- --- --- --- ---

2022

2021

2020 --- --- --- --- --- --- ---

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 | HSBC

Sanctioned loan amount: Rs. 64,610 Ownership: Individual

Date of last payment: 15/06/2009

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 4384599999568453 Rs. 64,610
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
08/11/2006 - 31/12/2010
Payment start date Payment end date Date of last payment
01/01/2008 01/12/2010 15/06/2009

Payment Status

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

2010

2009 --- ---

2008 --- --- --- --- ---

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 | ICICI BANK

Sanctioned loan amount: - Ownership: Individual

Date of last payment: 04/10/2010

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 377041349449008 -
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
25/08/2006 - 30/09/2021
Payment start date Payment end date Date of last payment
01/10/2018 01/09/2021 04/10/2010

Payment Status

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

2021 --- --- --- --- --- ---

2020 --- --- --- --- --- --- --- --- --- ---

2019 --- --- --- --- --- --- --- --- --- --- ---

2018 --- --- --- --- --- --- --- --- --- --- --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 10,81,000 Ownership: Individual

Date of last payment: 05/11/2022

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 73656176 Rs. 10,81,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
12/08/2022 05/11/2022 30/11/2022
Payment start date Payment end date Date of last payment
01/08/2022 01/11/2022 05/11/2022

Payment Status

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

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

Personal Loan | BHANIXFIN

Sanctioned loan amount: Rs. 3,01,201 Ownership: Individual

Date of last payment: 28/06/2023

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan CL1452556 Rs. 3,01,201
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
41 18 Rs. 23,510
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
27/07/2022 28/06/2023 30/06/2023
Payment start date Payment end date Date of last payment
01/07/2022 01/06/2023 28/06/2023

Payment Status

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 3,13,000 Ownership: Individual

Date of last payment: 05/11/2022

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 73508524 Rs. 3,13,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
04/05/2022 05/11/2022 30/11/2022
Payment start date Payment end date Date of last payment
01/05/2022 01/11/2022 05/11/2022

Payment Status

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

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 2,45,000 Ownership: Individual

Date of last payment: 08/02/2022

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 73299213 Rs. 2,45,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
02/11/2021 08/02/2022 28/02/2022
Payment start date Payment end date Date of last payment
01/01/2022 01/02/2022 08/02/2022

Payment Status

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

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 9,70,000 Ownership: Individual

Date of last payment: 12/08/2022

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 73006204 Rs. 9,70,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
15/04/2021 12/08/2022 31/08/2022
Payment start date Payment end date Date of last payment
01/04/2021 01/08/2022 12/08/2022

Payment Status

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

2022 --- --- --- ---

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 >
Detailed Account Summary
CLOSED

Personal Loan | HDFC BANK

Sanctioned loan amount: Rs. 30,00,000 Ownership: Individual

Date of last payment: 26/11/2021

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 116635127 Rs. 30,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
31/01/2021 26/11/2021 30/11/2021
Payment start date Payment end date Date of last payment
01/01/2021 01/11/2021 26/11/2021

Payment Sta tus

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

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 >
Detailed Account Summary
CLOSED

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 13,28,000 Ownership: Individual

Date of last payment: 08/02/2021

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 72804626 Rs. 13,28,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
27/11/2020 08/02/2021 28/02/2021
Payment start date Payment end date Date of last payment
01/11/2020 01/02/2021 08/02/2021

Payment Status

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

2021 --- --- --- --- --- --- --- --- --- ---

2020 --- --- --- --- --- --- --- --- --- ---

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

Personal Loan | HDFC BANK

Sanctioned loan amount: Rs. 8,00,000 Ownership: Individual

Date of last payment: 02/02/2021

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 110775523 Rs. 8,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
11/03/2020 02/02/2021 28/02/2021
Payment start date Payment end date Date of last payment
01/03/2020 01/02/2021 02/02/2021

Payment Status

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

2021 --- --- --- --- --- --- --- --- --- ---

2020 --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 9,47,000 Ownership: Individual

Date of last payment: 27/11/2020

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 72454160 Rs. 9,47,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
06/03/2020 27/11/2020 30/11/2020
Payment start date Payment end date Date of last payment
01/03/2020 01/11/2020 27/11/2020

Payment Status

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

2020 --- --- ---

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

Personal Loan | AXIS BANK

Sanctioned loan amount: Rs. 10,00,000 Ownership: Individual

Date of last payment: 05/05/2021

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan PPR008204232857 Rs. 10,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 60 Rs. 21,988
Payment frequency Type of collateral Value of collateral
Monthly No Collateral -
Date opened Date closed Date reported
24/06/2019 05/05/2021 31/05/2021
Payment start date Payment end date Date of last payment
01/06/2019 01/05/2021 05/05/2021

Payment Status

Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
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 >
Detailed Account Summary
CLOSED

Gold Loan | MUTHOOTFIN

Sanctioned loan amount: Rs. 5,76,200 Ownership: Individual

Date of last payment: 04/01/2020

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan F6662 Rs. 5,76,200
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 10 -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
18/05/2019 25/01/2020 04/01/2023
Payment start date Payment end date Date of last payment
01/02/2020 01/01/2023 04/01/2020

Payment Status

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

2023 --- --- --- --- --- --- --- --- --- --- ---

2022 --- --- --- --- --- --- --- --- --- --- --- ---

2021 --- --- --- --- --- --- --- --- --- --- --- ---

2020 --- --- --- --- --- --- --- --- --- --- ---

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

Gold Loan | MUTHOOTFIN

Sanctioned loan amount: Rs. 5,76,200 Ownership: Individual

Date of last payment: 04/01/2020

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan F6662/F875 Rs. 5,76,200
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 10 -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
18/05/2019 25/01/2020 04/01/2023
Payment start date Payment end date Date of last payment
01/02/2020 01/01/2023 04/01/2020

Payment Status

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

2023 --- --- --- --- --- --- --- --- --- --- ---

2022 --- --- --- --- --- --- --- --- --- --- --- ---

2021 --- --- --- --- --- --- --- --- --- --- --- ---

2020 --- --- --- --- --- --- --- --- --- --- --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 3,95,000 Ownership: Individual

Date of last payment: 02/02/2019

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 71666464 Rs. 3,95,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
07/09/2018 02/02/2019 28/02/2019
Payment start date Payment end date Date of last payment
01/09/2018 01/02/2019 02/02/2019

Payment Status

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

2019 --- --- --- --- --- --- --- --- --- ---

2018 --- --- --- --- --- --- --- ---

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

Personal Loan | HDFC BANK

Sanctioned loan amount: Rs. 6,00,000 Ownership: Individual

Date of last payment: 12/03/2020

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 55213945 Rs. 6,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
28/02/2018 12/03/2020 31/03/2020
Payment start date Payment end date Date of last payment
01/02/2018 01/03/2020 12/03/2020

Payment Status

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

2020 --- --- --- --- --- --- --- --- ---

2019

2018 ---

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

Overdraft | HDFC BANK

Sanctioned loan amount: - Ownership: Individual

Date of last payment: 29/05/2019

Account Details:

Type of account Account number Sanctioned loan amount


Overdraft 50200024859478 -
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
09/05/2017 06/08/2019 06/08/2019
Payment start date Payment end date Date of last payment
01/05/2017 01/08/2019 29/05/2019

Payment Status

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

2019 --- --- --- --- --- ---

2018

2017 --- --- --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 2,02,000 Ownership: Individual

Date of last payment: 14/02/2017

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 70654410 Rs. 2,02,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
29/11/2016 14/02/2017 28/02/2017
Payment start date Payment end date Date of last payment
01/11/2016 01/02/2017 14/02/2017

Payment Status

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

2017 --- --- --- --- --- --- --- --- --- ---

2016 --- --- --- --- --- --- --- --- --- ---

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

Personal Loan | ICICI BANK

Sanctioned loan amount: Rs. 5,00,000 Ownership: Individual

Date of last payment: 19/03/2018

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan LPCHE00034768644 Rs. 5,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
19/09/2016 22/03/2018 31/07/2018
Payment start date Payment end date Date of last payment
01/09/2016 01/07/2018 19/03/2018

Payment Status

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

2018 --- --- --- --- --- --- --- ---

2017

2016 --- --- --- --- --- --- --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 4,25,000 Ownership: Individual

Date of last payment: 07/09/2018

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 70523829 Rs. 4,25,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
01/09/2016 07/09/2018 30/09/2018
Payment start date Payment end date Date of last payment
01/03/2017 01/09/2018 07/09/2018

Payment Status

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

2018 --- --- ---

2017 --- ---

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

Housing Loan | INDIABULLS HFC

Sanctioned loan amount: Rs. 15,15,225 Ownership: Individual

Date of last payment: 09/03/2020

Account Details:

Type of account Account number Sanctioned loan amount


Housing Loan HHLCHE00269946 Rs. 15,15,225
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 288 -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
25/04/2016 13/03/2020 31/05/2020
Payment start date Payment end date Date of last payment
01/06/2017 01/05/2020 09/03/2020

Payment Status

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

2020 --- --- --- --- --- --- ---

2019

2018

2017 --- --- --- --- ---

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

Property Loan | INDIABULLS HFC

Sanctioned loan amount: Rs. 99,877 Ownership: Individual

Date of last payment: 05/06/2023

Account Details:

Type of account Account number Sanctioned loan amount


Property Loan HHECHE00267396 Rs. 99,877
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 470 -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
31/03/2016 14/06/2023 31/07/2023
Payment start date Payment end date Date of last payment
01/08/2020 01/07/2023 05/06/2023

Payment Status

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

2023 --- --- --- --- ---

2022

2021

2020 --- --- --- --- --- --- ---

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

Gold Loan | HDFC BANK

Sanctioned loan amount: Rs. 3,74,000 Ownership: Individual

Date of last payment: 12/09/2016

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 70258272 Rs. 3,74,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
22/03/2016 12/09/2016 30/09/2016
Payment start date Payment end date Date of last payment
01/03/2016 01/09/2016 12/09/2016

Payment Status

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

2016 --- --- --- --- ---

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

Gold Loan | MANAPPURAM

Sanctioned loan amount: Rs. 44,800 Ownership: Individual

Date of last payment: 01/02/2016

Account Details:

Type of account Account number Sanctioned loan amount


Gold Loan 0118690700012018 Rs. 44,800
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
10/10/2015 01/02/2016 30/06/2016
Payment start date Payment end date Date of last payment
01/10/2015 01/06/2016 01/02/2016

Payment Status

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

2016 --- --- --- --- --- --- ---

2015 --- --- --- --- --- --- --- --- ---

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

Housing Loan | PIRAMALFIN

Sanctioned loan amount: Rs. 20,86,973 Ownership: Individual

Date of last payment: -

Account Details:

Type of account Account number Sanctioned loan amount


Housing Loan 21300041307 Rs. 20,86,973
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
10 78 Rs. 21,058
Payment frequency Type of collateral Value of collateral
Monthly Property Rs. 23,60,600
Date opened Date closed Date reported
03/02/2015 10/05/2016 31/12/2020
Payment start date Payment end date Date of last payment
01/01/2018 01/12/2020 -

Payment Status

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

2020

2019 ---

2018

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

Other | SBI

Sanctioned loan amount: Rs. 6,23,000 Ownership: Individual

Date of last payment: 10/02/2017

Account Details:

Type of account Account number Sanctioned loan amount


Other 00000034433157492 Rs. 6,23,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
10 60 Rs. 13,530
Payment frequency Type of collateral Value of collateral
Monthly Property -
Date opened Date closed Date reported
28/11/2014 16/02/2017 28/02/2017
Payment start date Payment end date Date of last payment
01/11/2014 01/02/2017 10/02/2017

Payment Status

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

2017 --- --- --- --- --- --- --- --- --- ---

2016

2015

2014 --- --- --- --- --- --- --- --- --- ---

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

Housing Loan | HDFCBANKeHDFCLTD

Sanctioned loan amount: Rs. 25,81,574 Ownership: Individual

Date of last payment: 08/09/2014

Account Details:

Type of account Account number Sanctioned loan amount


Housing Loan 305-603033972 Rs. 25,81,574
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- 240 Rs. 25,774
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
13/12/2011 31/08/2014 31/03/2015
Payment start date Payment end date Date of last payment
01/03/2012 01/08/2014 08/09/2014

Payment Status

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

2014 --- --- --- ---

2013

2012 --- ---

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

Auto Loan (Personal) | SBI

Sanctioned loan amount: Rs. 4,33,000 Ownership: Individual

Date of last payment: 30/10/2014

Account Details:

Type of account Account number Sanctioned loan amount


Auto Loan (Personal) 00000030918243654 Rs. 4,33,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
14 60 Rs. 8,901
Payment frequency Type of collateral Value of collateral
Monthly Property -
Date opened Date closed Date reported
04/12/2009 06/11/2014 31/12/2016
Payment start date Payment end date Date of last payment
01/01/2014 01/12/2016 30/10/2014

Payment Status

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

2016 --- --- --- --- --- --- --- --- --- --- ---

2015 --- --- --- --- --- --- --- --- --- --- ---

2014 ---

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

Personal Loan | HDFC BANK

Sanctioned loan amount: Rs. 1,00,000 Ownership: Individual

Date of last payment: 10/12/2008

Account Details:

Type of account Account number Sanctioned loan amount


Personal Loan 11005510 Rs. 1,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
23/12/2006 10/12/2008 31/12/2008
Payment start date Payment end date Date of last payment
01/12/2006 01/12/2008 10/12/2008

Payment Status

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

2008

2007 ---

2006 --- --- --- --- --- --- --- --- --- --- ---

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 | ICICI BANK

Sanctioned loan amount: Rs. 30,000 Ownership: Individual

Date of last payment: 05/06/2007

Account Details:

Type of account Account number Sanctioned loan amount


Two-wheeler Loan LTBNG00007122020 Rs. 30,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
03/07/2006 25/06/2007 15/07/2013
Payment start date Payment end date Date of last payment
01/01/2007 01/06/2007 05/06/2007

Payment Status

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

2007 --- --- --- --- --- --- --- --- --- --- ---

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

Credit Card | CITIBANK

Sanctioned loan amount: Rs. 6,101 Ownership: Individual

Date of last payment: 12/12/2007

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 5546379541745004 Rs. 6,101
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
31/01/2007 20/05/2009 16/07/2011
Payment start date Payment end date Date of last payment
01/02/2007 01/05/2009 12/12/2007

Payment Status

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

2009 --- --- --- --- --- --- ---

2008

2007 ---

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

Credit Card | CITIBANK

Sanctioned loan amount: - Ownership: Authorized User

Date of last payment: -

Account Details:

Type of account Account number Sanctioned loan amount


Credit Card 5546199307316109 -
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
30/07/2001 23/02/2006 31/07/2006
Payment start date Payment end date Date of last payment
01/07/2005 01/02/2006 -

Payment Status

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

2006 --- --- --- --- --- --- --- --- --- --- ---

2005 --- --- --- --- --- ---

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 >
Dos & Dont’s to improve your CIBIL score

Do’s Dont’s

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

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

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

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

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

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

SCB 28/08/2023 Personal Loan 45,00,000


AXIS FIN 24/08/2023 Personal Loan 40,00,000
AXIS BANK 24/04/2023 Personal Loan 50,000
RBL BANK 24/03/2023 Credit Card 1,000
LNTFIN 19/02/2023 Consumer Loan 15,000
BAJAJ FIN LTD 18/01/2023 Other 1,50,000
ICICI BANK 11/11/2022 Credit Card 1,00,000
PAYUFINAN 08/10/2022 Other 5,000
BAJAJ FIN LTD 05/10/2022 Other 1,50,000
ADITYA BIRLA F L 04/09/2022 Personal Loan 10,00,000
INDUSIND BANK 04/08/2021 Credit Card 50,000
NAVI 04/07/2021 Personal Loan 5,000
FINNABLE 02/06/2021 Personal Loan 50,000
ICICI BANK 29/05/2021 Credit Card 75,000

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 >
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 >

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