ERN : 1693745270190

Report Date : 03-09-2023

Sumit Tikul Barua's Credit Report Powered by

< Credit Score

Your Credit Report is summarized in the form of Credit Score which ranges from 300 - 900.

Score Factors
Payment History : How you repay your EMIs & credit card bills
770
Credit Enquiries : New loan and credit card applications
Credit Utilization : Percentage of your Credit Limit you use
Credit History : Age of your oldest credit account
Total Accounts : Total number of active Credit Cards and Loans

< Report Summary

Credit Account Summary Current Balance Amount Summary Credit Enquiry Summary

Total Accounts 10 Total Current Bal. amt. 5,59,965.00 Last 7 days credit enquiries 0

Active Accounts 5 SF/WD/WO/Settled amt 0 Last 30 days credit enquiries 0

Closed Accounts 5 Secured Accounts amt 4,12,273.00 Last 90 days credit enquiries 0

SF/WD/WO/Settled 0 Unsecured Accounts amt 1,47,692.00 Last 180 days credit enquiries 0
 < SUMMARY : Credit Account Information

This section displays summary of all your reported credit accounts found in the Credit Bureau database.

Account Sanction
Serial Financial Account Date Account Current Amount
Account No Holder Date Opened Amt/Highest
No. Institution type Reported Status Balance Overdue
Type Credit

Two-
1 HDFC Bank Ltd wheeler XXXX6473 Individual 31-07-2023 CLOSED 30-11-2019 1,72,370.00 0 0
Loan

AU Small Auto
2 XXXXXXXXXXXX0227 Joint 30-06-2023 ACTIVE 20-03-2021 6,00,000.00 3,66,106.00 0
Finance Bank Loan

Credit
3 HDFC Bank Ltd XXXXXXXXXXXXXXX9315 Individual 31-07-2023 ACTIVE 25-11-2021 61,064.00 13,468.00 -
Card

Tata Capital
Two-
Financial
4 wheeler XXXXXXXXXXXXXXXXX4291 Individual 30-06-2023 ACTIVE 20-11-2021 78,100.00 46,167.00 0
Services
Loan
Limited.

EarlySalary Personal
5 XXXXXX2908 Individual 28-02-2023 CLOSED 09-02-2022 4,044.00 0 0
Services Pvt Ltd Loan

IDFC FIRST Personal

6 XXXX6264 Individual 30-06-2023 CLOSED 29-03-2022 16,000.00 0 0
BANK LIMITED Loan

IDFC FIRST Personal

7 XXXX4518 Individual 31-07-2023 ACTIVE 18-05-2022 1,98,649.00 1,34,224.00 0
BANK LIMITED Loan

Krazybee
Personal
8 Services Private XXXXXXXXXSJJG Individual 31-12-2022 CLOSED 20-06-2022 1,400.00 0 0
Loan
Limited

Cholamandalam
Investment and
Personal
9 Finance XXXXXXXXXXXXXXXX8438 Individual 30-06-2023 CLOSED 20-06-2022 5,600.00 0 0
Loan
Company
Limited

Inno n
Personal
10 Solutions Pvt XXXXXXXXXX2963 Individual 31-01-2023 ACTIVE 15-12-2022 5,000.00 0 0
Loan
Ltd
 < Credit Account Information Details

This section has information provided to our Bureau Partner by banks , credit/ nancial institutions and other credit
grantors with whom you have a credit/loan account

Two-wheeler Loan HDFC Bank Ltd < Acct 1

Address 1 GHODBUNDER ROAD 933 YADAV CHAWL KAVESAR,PATLIPADA THANE WEST, 400607

Account terms Account description Account Details

Account Number XXXX6473 Date Reported 31-07-2023 Credit Limit Amt -

Date Opened 30-11-2019 Loan Type Two-wheeler Loan EMI -

Date Closed 04-07-2023 Account Status CLOSED Repayment Tenure 0

Account Holder Type Individual Highest Credit 1,72,370.00 Total Write-o Amt -

Rate of Interest - Current Balance 0 Principal Write-o -

Value of Collateral 0 Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 04-07-2023

Payment History

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

2023 0 0 0 0 0 0 0

2022 0 0 0 0 0 0 28 28 0 0 0 0

2021 0 0 0 0 0 0 0 0 0 0 0 0

2020 0 0 0 0 0 26 26 0 26 0 0 0

2019 0

Consumer Personal details on the Two-wheeler Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN - - -

Occupation - O ce Phone 8291304545 - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Auto Loan AU Small Finance Bank < Acct 2

Address 1 ROOM NO 933 YADAV CHAWL KAVESAR,GHODBUNDER ROAD PATLIPADA CHITALSAR,MANPADA THANE WEST,
400607

Account terms Account description Account Details

Account Number XXXXXXXXXXXX0227 Date Reported 30-06-2023 Credit Limit Amt -

Date Opened 20-03-2021 Loan Type Auto Loan EMI -

Date Closed - Account Status ACTIVE Repayment Tenure 60

Account Holder Type Joint Highest Credit 6,00,000.00 Total Write-o Amt -

Rate of Interest - Current Balance 3,66,106.00 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 18-06-2023

Payment History

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

2023 0 0 0 0 0

2022 0 0 0 0 0 0 0 0 0 0 0 0

2021 0 0 0 0 0 0 0 0 0 0

Consumer Personal details on the Auto Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone - - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Credit Card HDFC Bank Ltd < Acct 3

Address 1 933 YADAV CHAWL PATLIPADA,GHODBUNDER ROAD, 400607

Account terms Account description Account Details

Account Number XXXXXXXXXXXXXXX9315 Date Reported 31-07-2023 Credit Limit Amt 50,000.00

Date Opened 25-11-2021 Loan Type Credit Card EMI -

Date Closed - Account Status ACTIVE Repayment Tenure 0

Account Holder Type Individual Highest Credit 61,064.00 Total Write-o Amt -

Rate of Interest - Current Balance 13,468.00 Principal Write-o -

Value of Collateral - Amount Past Due - Settlement Amt -

Type of Collateral - Last Payment Date 13-07-2023

Payment History

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

2023 0 0 0 0 0 0 0

2022 0 0 0 0 0 0 30 31 30 0 0 0

2021 0 0

Consumer Personal details on the Credit Card

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone 8291304545 - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Two-wheeler Loan < Acct 4
Tata Capital Financial Services Limited.

Address 1 933 YADAV CHAWL KAVESAR PATLIPADA THANE, 400607

Account terms Account description Account Details

Account Number XXXXXXXXXXXXXXXXX4291 Date Reported 30-06-2023 Credit Limit Amt -

Date Opened 20-11-2021 Loan Type Two-wheeler Loan EMI -

Date Closed - Account Status ACTIVE Repayment Tenure 0

Account Holder Type Individual Highest Credit 78,100.00 Total Write-o Amt -

Rate of Interest - Current Balance 46,167.00 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date -

Payment History

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

2023 0 0 0 0 0 0

2022 0 0 0 0 0 0 0 0 0 0 0 0

2021 0 0

Consumer Personal details on the Two-wheeler Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile - - PAN EBRPB0774A - -

Occupation - O ce Phone - - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan EarlySalary Services Pvt Ltd < Acct 5

Address 1 HOUSE NO-933, PATLIPADA, GHODBUNDER R,OAD, , THANE, 400607

Account terms Account description Account Details

Account Number XXXXXX2908 Date Reported 28-02-2023 Credit Limit Amt -

Date Opened 09-02-2022 Loan Type Personal Loan EMI -

Date Closed 08-02-2023 Account Status CLOSED Repayment Tenure 0

Account Holder Type Individual Highest Credit 4,044.00 Total Write-o Amt -

Rate of Interest - Current Balance 0 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 08-02-2023

Payment History

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

2023 147 0

2022 0 0 0 0 0 25 56 86 117 147 147

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone - - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan IDFC FIRST BANK LIMITED < Acct 6

Address 1 ROOM NO. 933, YADAV CHAWL,PATLIPADA, GHO,DBUNDER ROAD,THANE,WEST,THANEMCORP,THANE THANE

MH,MH,IN, 400607

Account terms Account description Account Details

Account Number XXXX6264 Date Reported 30-06-2023 Credit Limit Amt -

Date Opened 29-03-2022 Loan Type Personal Loan EMI -

Date Closed 28-06-2023 Account Status CLOSED Repayment Tenure 24

Account Holder Type Individual Highest Credit 16,000.00 Total Write-o Amt -

Rate of Interest - Current Balance 0 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 01-01-2023

Payment History

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

2023 0 0 0 0 0 0

2022 0 0 0 0 0 0 0 0 21 0

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone 8291304545 - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan IDFC FIRST BANK LIMITED < Acct 7

Address 1 ROOM NO 933 YADAV CHAWL PATLIPADA GHODBU,NDER ROAD THANE WEST THANEMCORP THANE,TH ANE MH
MH IN 1981 MAHARASHTRA, 400607

Account terms Account description Account Details

Account Number XXXX4518 Date Reported 31-07-2023 Credit Limit Amt -

Date Opened 18-05-2022 Loan Type Personal Loan EMI -

Date Closed - Account Status ACTIVE Repayment Tenure 36

Account Holder Type Individual Highest Credit 1,98,649.00 Total Write-o Amt -

Rate of Interest - Current Balance 1,34,224.00 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 02-07-2023

Payment History

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

2023 0 0 0 0 0 0 0

2022 0 0 0 0 0 0 0 0

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone - - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan Krazybee Services Private Limited < Acct 8

Address 1 THANE,MAHARASHTRA,400607, 400607

Account terms Account description Account Details

Account Number XXXXXXXXXSJJG Date Reported 31-12-2022 Credit Limit Amt -

Date Opened 20-06-2022 Loan Type Personal Loan EMI -

Date Closed 16-12-2022 Account Status CLOSED Repayment Tenure 0

Account Holder Type Individual Highest Credit 1,400.00 Total Write-o Amt 0

Rate of Interest - Current Balance 0 Principal Write-o 0

Value of Collateral - Amount Past Due 0 Settlement Amt 0

Type of Collateral - Last Payment Date 16-12-2022

Payment History

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

2022 0 0 39 69 100 130 0

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile 8291304545 - PAN EBRPB0774A - -

Occupation - O ce Phone - - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan < Acct 9
Cholamandalam Investment and Finance Company
Limited

Address 1 S/O TIKUL BINANDA BARUA, GHODBUNDER ROA,D, 933 YADAV CHAWL KAVESAR THANE, THAN,E,
MAHARASHTRA,, 400607

Account terms Account description Account Details

Account Number XXXXXXXXXXXXXXXX8438 Date Reported 30-06-2023 Credit Limit Amt -

Date Opened 20-06-2022 Loan Type Personal Loan EMI -

Date Closed 16-12-2022 Account Status CLOSED Repayment Tenure 0

Account Holder Type Individual Highest Credit 5,600.00 Total Write-o Amt -

Rate of Interest - Current Balance 0 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 16-12-2022

Payment History

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

2023 0

2022 69 101 131

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile - - PAN EBRPB0774A - -

Occupation - O ce Phone 8291304545 - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
Personal Loan Inno n Solutions Pvt Ltd < Acct 10

Address 1 S/O TIKUL BINANDA BARUA,GHODBUNDER ROAD,,PATLIPADA,933 YADAV CHAWL

KAVESAR,THANE,,THANE,MAHARASHTRA,400607, 400607

Account terms Account description Account Details

Account Number XXXXXXXXXX2963 Date Reported 31-01-2023 Credit Limit Amt -

Date Opened 15-12-2022 Loan Type Personal Loan EMI -

Date Closed - Account Status ACTIVE Repayment Tenure 0

Account Holder Type Individual Highest Credit 5,000.00 Total Write-o Amt -

Rate of Interest - Current Balance 0 Principal Write-o -

Value of Collateral - Amount Past Due 0 Settlement Amt -

Type of Collateral - Last Payment Date 15-12-2022

Payment History

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

2023 0

2022 0 26 87 118 148 0

Consumer Personal details on the Personal Loan

Date of Birth Phone Type Phone Number Extension ID Type ID Number Date of issue Date of expiry

Gender MALE Mobile - - PAN EBRPB0774A - -

Occupation - O ce Phone 8291304545 - passport - - -

Email address - Voter ID - - -

Aadhaar/UID - - -

Driving License - - -

Ration Card - - -
 < Credit Enquiries

This section shows the names of the credit institutions that have processed a credit/loan application for you.

Enquiry 1

Search Type Personal Loan ERN 1580587240443 Amount applied for 10,000.00

Financial Institution
Application Date 02-02-2020 Duration Of Agreement 15
PC Financial Services Pvt. Ltd.

Enquiry 2

Search Type
ERN 1569082324416 Amount applied for 36,698.00
accountType.Two/Three Wheeler Loan

Financial Institution
Application Date 21-09-2019 Duration Of Agreement 8
Home Credit India Finance Pvt. Ltd

Enquiry 3

Search Type Personal Loan ERN 1567620737102 Amount applied for 0

Financial Institution
Application Date 04-09-2019 Duration Of Agreement 0
PC Financial Services Pvt. Ltd.
 < Support

If you nd any discrepancy in your report , please raise a dispute with our partners at consumer.support@in.experian.com .
For any other queries , feel free to contact us at creditreport@paisabazaar.com

< Legend

SF/WD/WO/SETTLED : Credit Accounts that are Suit Filed/ Wilful Default/ Written O / Settled

ACTIVE* : Credit accounts which are less than 90 days past due.

ACTIVE** : Credit accounts which are over 90 days past due.

Closed : Credit accounts that have 'Date Closed' populated.

DPD : Days Past Due. Number of days that have passed from the agreed payment due date of EMI.

DPD '0' : The number '0' in the circle indicates that the Payment is made as agreed and the credit account is up to date.

DPD >0 : The number in the circle indicates the "Days Past Due" reported by the respective lender.

When the below alphabets are shown in the DPD table, it means the lender is reporting Asset Classi cation and indicates the following:

S : Standard: An account which is overdue for less than 90 days is considered as a Standard asset as per RBI guidelines.

M : Special Mention: These accounts are "Standard" assets but for some discrepancy the lending organization would like to monitor this
account closely.

B : Substandard: An account which is overdue by 90 days for a period of less than or equal to 12 months is classi ed as Substandard asset
as per RBI guidelines

D : Doubtful: An account which is overdue by 90 days for more than 12 months is classi ed as doubtful asset as per RBI guidelines.

L : Loss: An account where loss has been identi ed but the amount has not been written o , wholly or partially is classi ed as Loss asset
as per RBI guidelines.

<---------- END OF REPORT ---------->