CONSUMER BASE™ CHM Ref #:

Prepared For:
SHUB231010CR860002757
SHUBHAM HOUSING
REPORT Application ID: 189040217268
For AKANKSHA MISHRA Date of Request: 10-10-2023 16:44:05
Date of Issue: 10-10-2023

Inquiry Input Information

Name: AKANKSHA MISHRA DOB/Age: 07-05-1994 Gender: FEMALE

Father: Spouse: Mother:

PhoneNumbers: ID(s): XXXXXXXX0593 [UID] Email ID(s):

GKZPM7059A [PAN]

EntityId:

CurrentAddress: LUCKNOW, LUCKNOW, NIRALA NAGAR Lucknow 226020 UP

OtherAddress: LUCKNOW, LUCKNOW, NIRALA NAGAR Lucknow 226020 UP

CRIF HM Score(S):

SCORE NAME SCORE SCORING FACTORS

Decent number of self/overall loans disbursed in the past
Delinquency observed in recent past
PERFORM CONSUMER 2.0 425 Score Range : 300-900 Relatively low credit age of open contracts
Considerably high utilization of credit limit on self/overall revolving
accounts
Tip: Positive impact on credit score Negative impact on credit score

Personal Information -Variations

Tip: Theseare applicant's personal information variations as contributedby various financial institutions.

Reported DOB Variations ReportedOn

Name Variations
On 31-08-
07-05-1994
31-08- 2023
AKANKSHA MISHRA
2023
31-08- Phone Variations ReportedOn
AKANKSHA AWASTHI
2023 31-08-
9454331534
2023
AddressVariations ReportedOn 30-11-
9795182452
538K 707, TRIVENI NAGAR NIRALA NAGAR - 2, NIRALA NAGAR, 31-08- 2022
LUCKNO W LUCKNOW 226020 UP 2023 31-08-
7752827104
NIRALA NAGAR 538K 707 TRIVENI NAGAR NIRALA NAGAR 2 30-04- 2023
LUCKNOW 1528 UTTAR PRADESH 226020 UP 2022
349 GAURBHEET FAIZULLAGANJ LUCKNOW 1528 UTTAR PRADESH 31-01- ID Variations ReportedOn
226020 UP 2023 31-08-
GKZPM7059A [PAN]
31-05- 2023
1528 UTTAR PRADESH 226020 UP
2023
538K 707TRIVENI NAGAR NIRALA NAGAR 2 NIRALA NAGAR 31-08-
LUCKNOW LUCKNOW UP IN 226020 UP 2023
SATVIK INTERPRISES FAJULA GANJ SITA PUR ROAD LUCKNOW 31-08-
226020 UP 2023
537/BH/802 BHARAT NAGAR NEAR SEETAPUR, R OAD NIRALA 31-08-
NAGAR, , ; LUCKNOW; 226020 UP 2023
136CO ANOOP KUMAR MISHRA, NIRALA NAGAR, 0237NIRALA
NAGAR, 538K707, TRIVENI NAGAR0335NIRALA NAGAR - 2, 31-07-
LUCKNOW, LUCKNOW, 0432UTTAR PRADES H, INDIA, 226020 64 64 2023
226020 UP
31-08-
538K 707 TRIVENI NAGAR LUCKNOW LUCKNOW 226020 UP
2023
538K 707TRIVENI NAGAR NIRALA NAGAR 2 NIR ALA NAGAR, 30-09-
LUCKNOW LUCKNOW UP IN, , LUCK NOW, UP, 226020 226020 UP 2023
538K-707 TRIVENI NAGAR GUPTA AATA CHAKKI LUCKNOW 226020 31-08-
UP 2023
538K/707 TRIVENI NAGAR NIRALA NAGAR-2 LUCKNOW LUCKNOW 31-08-
226020 UP 2023
HOUSE NO 538K-707 TRIVENI NAGAR GUPTA AATA CHAKKI 31-08-
LUCKNOW 226020 UP 2023
 EmailID Variations ReportedOn
31-08-
satvikmishra7752@gmail.com
2023
30-09-
rammishra9454@gmail.com
2023
31-08-
akankshamishra7752@gmail.com
2023

Tip: Allamounts are in INR.

Account Summary
Tip: Current Balance & Disbursed Amount is considered ONLY for ACTIVE accounts.

Amt Disbd/High
Type Numberof Account(s) ActiveAccount(s) OverdueAccount(s) CurrentBalance
Credit
PrimaryMatch 12 9 1 5,17,205 4,67,360
Total 12 9 1 5,17,205 4,67,360

New DelinquentAccount(s) in last 6

Inquiries inlast 24 Months:4 New Account(s)in last 6 Months:5
Months:1

Account Information

Info.as of:31-08-
1 AccountType:BUSINESS LOAN UNSECURED Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 26-08-2023 Disbd Amt/High Credit: 1,07,500

ACTIVE

CreditLimit: Last Payment Date: Current Balance: 1,07,500

CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 - - - - - - - 000/XXX - - - -

Info.as of:31-08-
2 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 06-08-2023 Disbd Amt/High Credit: 50,000

ACTIVE

CreditLimit: Last Payment Date: 05-09-2023 Current Balance: 27,034

CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 - - - - - - - 000/XXX - - - -

Info.as of:30-09-
3 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

26-07-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 5,000
2023
21-09-
ACTIVE

CreditLimit: Last Payment Date: Current Balance: 2,68,970

2023
CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0
Status: No Suit filed Principal Writeoff Amt:
Settlement Amt: Total Writeoff Amt:

PaymentHistory/Asset Classification:
 January February March April May June July August September October November December
2023 - - - - - - 000/STD XXX/XXX 000/STD - - -

Info.as of:30-06-
4 AccountType:OTHER Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 02-06-2023 Disbd Amt/High Credit: 5,000

ACTIVE

CreditLimit: Last Payment Date: 04-07-2023 Current Balance: 1,377

CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 - - - - - 000/XXX - - - - - -

Info.as of:31-08-
5 AccountType:CREDIT CARD Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 25-02-2023 Disbd Amt/High Credit: 18,318

ACTIVE

CreditLimit: 25,000 Last Payment Date: 22-08-2023 Current Balance: 16,502

CashLimit: 5,000 Closed Date: Last Paid Amt: 979
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -

Linked Accounts:
Account Number Credit Limit High Credit Amount Overdue Disbursed Date Closed Date Last Payment Date
XXXX 25,000 18,318 0 25-02-2023 22-05-2023

Info.as of:31-08-
6 AccountType:TWO-WHEELER LOAN Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 14-12-2022 Disbd Amt/High Credit: 76,542

ACTIVE

CreditLimit: Last Payment Date: Current Balance: 58,545

CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX XXX/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -
2022 - - - - - - - - - - - 000/XXX

Info.as of:31-08-
7 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

Ownership: INDIVIDUAL Disbursed Date: 13-10-2022 Disbd Amt/High Credit: 25,000

ACTIVE

CreditLimit: Last Payment Date: 02-08-2023 Current Balance: 4,564

CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 2,352/Monthly Tenure(month): 12 Overdue Amt: 0
 PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -
2022 - - - - - - - - - 000/XXX 000/XXX 000/STD

Info.as of:31-08-
8 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

24-03-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 80,000
2022
31-08-
ACTIVE

CreditLimit: Last Payment Date: Current Balance: 0

2023
CashLimit: Closed Date: Last Paid Amt: 13,848
InstlAmt/Freq: Tenure(month): 24 Overdue Amt: 0
Status: No Suit filed Principal Writeoff Amt:
Settlement Amt: Total Writeoff Amt:

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -
2022 - - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

Info.as of:31-08-
9 AccountType:MICROFINANCE BUSINESS LOAN Credit Grantor:XXXX Account #:xxxx
2023

17-02-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 1,00,000
2022
10-08-
ACTIVE

CreditLimit: Last Payment Date: Current Balance: 32,713

2023
CashLimit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 5,065/Monthly Tenure(month): 24 Overdue Amt: 4,787
Status: No Suit filed Principal Writeoff Amt:
Settlement Amt: Total Writeoff Amt:

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 000/STD 000/STD 000/STD 000/STD 000/STD 021/STD 000/STD 022/STD - - - -
2022 - - XXX/XXX XXX/XXX XXX/XXX XXX/XXX 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD

Info.as of:31-08-
10 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

03-05-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 3,899
2023
31-07-
0
CLOSED

CreditLimit: Last Payment Date: Current Balance:

2023
07-08-
CashLimit: Closed Date: Last Paid Amt: 4,056
2023
InstlAmt/Freq: 1,352/Monthly Tenure(month): 3 Overdue Amt: 0
Status: No Suit filed Principal Writeoff Amt:
Settlement Amt: Total Writeoff Amt:

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 - - - - 000/XXX 000/XXX 000/XXX 000/XXX - - - -

Info.as of:31-01-
11 AccountType:CONSUMER LOAN Credit Grantor:XXXX Account #:xxxx
2023

15-04-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 20,556
2022
02-01-
CreditLimit: Last Payment Date: Current Balance: 0
CLOSED

2023
09-01-
CashLimit: Closed Date: Last Paid Amt: 22,000
2023
InstlAmt/Freq: 2,750/Monthly Tenure(month): 8 Overdue Amt: 0
 Status: No Suit filed Principal Writeoff Amt:

Settlement Amt: Total Writeoff Amt:

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX - - - - - - - - - - -
2022 - - - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

Info.as of:31-08-
12 AccountType:PERSONAL LOAN Credit Grantor:XXXX Account #:xxxx
2023

15-12-
Ownership: INDIVIDUAL Disbursed Date: Disbd Amt/High Credit: 5,000
2021
22-02-
0
CLOSED

CreditLimit: Last Payment Date: Current Balance:

2022
18-10-
CashLimit: Closed Date: Last Paid Amt:
2022
InstlAmt/Freq: Tenure(month): 3 Overdue Amt: 0
Status: Principal Writeoff Amt: 0
Settlement Amt: 0 Total Writeoff Amt:

PaymentHistory/Asset Classification:

January February March April May June July August September October November December
2022 000/STD 000/STD XXX/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD - -
2021 - - - - - - - - - - - 000/STD

ADVANCEDOVERLAP REPORT CHM Ref #:

Prepared For:
SHUB231010CR860002757
SHUBHAM HOUSING
AKANKSHA MISHRA
Date of Request: 10-10-2023 16:44:05
Date of Issue: 10-10-2023

Tip:All amounts are in INR

Summary
Tip: Current Balance, Disbursed Amount &Instalment Amount is considered ONLY for ACTIVE account

Association AccountSummary DisbursedAmount InstalmentAmount CurrentBalance

Type
Own Other Active Closed Default Own Other Own Other Own Other
PrimaryMatch 0 1 0 2 0 - - - - - -
SecondaryMatch 0 0 0 0 0 - - - - - -

Account Details - Primary

1 Member& Account Information with Credit Grantor:XXXX (Branch: 12073)

MemberName: AKANKSHA AWASTHI DOB/Age: 07-05-1994 / 27 years () Info. As On: 31-07-2022

Relationships: ANOOP KUMAR MISHRA ID(s): XXXXXXXX0593 (UID) PhoneNumbers: 9454331534

(Husband) 240858640593 (Other Id)

537/BH/802 bharat nagar near seetapur; Road Nirala Nagar; ; ; LUCKNOW Monthly HouseholdIncome:
CurrentAddress:
UP 226020

OtherAddress: 537/BH/802 bharat nagar near seetapur; Road Nirala Nagar; ; ; LUCKNOW UP 226020

AccountType: JLG INDIVIDUAL DisbursedDate: 26-04-2021 Amt Disbursed: 50,000 Info. As On: 31-07-2022
Account#: xxxx Closed Date: 14-02-2022 CurrentBalance: 0 AmountWrite-Off: 0
CLOSED

InstlFreq: WEEKLY Instl Amount: 1,135 AmountOverdue: DPD: 0

Account Remarks:

PaymentHistory:
January February March April May June July August September October November December
2022 000 000 - - - - - - - - - -
2021 - - - - 000 000 000 000 000 000 000 000
 AccountType: JLG INDIVIDUAL DisbursedDate: 09-12-2019 Amt Disbursed: 25,000 Info. As On: 31-08-2021
Account#: xxxx Closed Date: 26-04-2021 CurrentBalance: 0 AmountWrite-Off: 0
CLOSED

InstlFreq: WEEKLY Instl Amount: 530 AmountOverdue: 0 DPD: 0

Account Remarks:

PaymentHistory:
January February March April May June July August September October November December
2021 000 000 000 000 - - - - - - - -
2020 - - - - 000 000 000 000 000 000 000 000

GROUP DETAILS CHM Ref #:

Prepared For:
SHUB231010CR860002757
SHUBHAM HOUSING
Date of Request: 10-10-2023 16:44:05
Date of Issue: 10-10-2023

Tip:All amounts are in INR

Summary
Tip: Current Balance, Disbursed Amount &Instalment Amount is considered ONLY for ACTIVE account

Association AccountSummary DisbursedAmount InstalmentAmount CurrentBalance

Type
Own Other Active Closed Default Own Other Own Other Own Other
PrimaryMatch 0 0 0 0 0 - - - - - -
SecondaryMatch 0 0 0 0 0 - - - - - -

Account Details - Primary

Inquiries (reported for past 24months)

Credit Grantor Date of Inquiry Purpose Amount Remark

Business Loan
XXXX 06-10-2022 0
General
XXXX 15-04-2022 Consumer Loan 28,500
Business Loan
XXXX 05-11-2022 0
General
SHUBHAM HOUSING
DEVELOPMENT 05-10-2023 OTHER 7,00,000
FINANCE COMPANY
-END OFINDIVIDUAL REPORT-

Appendix

Section Code Description

Indicates number of accounts that the applicant hasdefaulted on within
AccountSummary Numberof Delinquent Accounts
the last 6 months
Name of grantor undisclosed as credit grantor isdifferent from inquiring
AccountInformation - Credit Grantor XXXX
institution
Account Number undisclosed as credit grantor isdifferent from inquiring
AccountInformation - Account # xxxx
institution
PaymentHistory / Asset Classification XXX Datanot reported by institution
PaymentHistory / Asset Classification - Not applicable
PaymentHistory / Asset Classification STD AccountReported as STANDARD Asset
PaymentHistory / Asset Classification SUB AccountReported as SUB-STANDARD Asset
PaymentHistory / Asset Classification DBT AccountReported as DOUBTFUL Asset
PaymentHistory / Asset Classification LOS AccountReported as LOSS Asset
PaymentHistory / Asset Classification SMA AccountReported as SPECIAL MENTION
CI-Ceased/Membership
Account Information - Account # Credit Institution has Ceased to Operate or Membership Terminated
Terminated

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