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CHR Report - 28 August 2023
CHR Report - 28 August 2023
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.
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
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
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
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
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.
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
ACTIVE
Account Details:
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
ACTIVE
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2010
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
Account Details:
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
ACTIVE
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2010
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
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
Account Details:
Payment Status
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2013
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
Account Details:
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
Account Details:
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
Account Details:
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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
Account Details:
Payment Status
Year/
Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
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 >
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
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 >