CCONSUMER BASE ™ CHM Ref #:

Prepared For:
IDFC241107CR731823431
IDFC
REPORT Application ID: 0606878337
For PRAKASH RANGASAMY Date of
07-11-2024 14:45:33
Request:
Date of Issue: 07-11-2024

Inquiry Input Information

Name: PRAKASH RANGASAMY DOB/Age: 13-03-1978 Gender: MALE

Father: Spouse: Mother:

Phone Numbers: 9159197539 ID(s): XXXXXXXX4273 [UID] Email ID(s):

BPBPP0193N [PAN]

Entity Id:

Current Address: 46 2 sabthagiri garden pathirikuppam, post Kumarapettai Cuddalore Cuddalore, CUDDALORE 607401 TN

Other Address:

CRIF HM Score(S):

SCORE NAME SCORE SCORING FACTORS

No/minimal recent missed payments
PERFORM CONSUMER 2.2 716 Score Range : 300-900 Substantial proportion of outstanding balance to disbursed amount
Decent number of self/overall loans disbursed in the recent past
Tip: Positive impact on credit score Negative impact on credit score

Personal Information - Variations

Tip: These are applicant's personal information variations as contributed by various financial institutions.

Name Variations Reported On DOB Variations Reported On

PRAKASH RANGASAMY 31-10-2024 13-03-1978 31-10-2024
PRAKASH RANGASWAMY 08-10-2024
PRAKASH R 31-03-2024 Phone Variations Reported On
07094423417 31-10-2024
Address Variations Reported On 9159197539 31-10-2024
NO.46/2 SABTHAGIRI GARDEN ARESEIPERIYANKUPPAM, PATHIRIKUPPAM PO 8675630435 28-02-2021
31-10-2024
KUMARAPETTAI, TIRUVANDIPURAM CUDDALORE 607401 TN
NO 38A 607302 TN 31-01-2024 ID Variations Reported On
38A VAITHIMUDALAI STREET MEENATCHIPETTAI KURINJIPADI S.O CUDDALORE, BPBPP0193N [PAN] 31-10-2024
30-06-2020
TAMIL NADU 607302 TN 1 [Voter ID] 29-02-2020
NO 85 P ADALISWARAR NAGAR CUDDALORE - NEAR VAO OFFICE NO 85 P TAMIL
31-03-2023
NADU 607004 607004 TN
NO. 46/2; SABTHAGIRI GARDEN ARESEIPERIYAKUPPAM THIRUVANTHIPURAM
08-10-2024
NEAR TEMPLE CUDDALORE 607401 TN
NO 85 P ADALISWARAR NAGAR NO 85 P CUDDALORE TAMIL NADU 607004 607004
31-03-2022
TN
NEAR VAO OFFICE ARISIPERIYANKUPPAM, CUDDALORE 607401 TN 31-10-2024
NO 85 P ADALISWARAR NAGAR CUDDALORE - NE AR VAO OFFICE VELLORE
31-08-2024
607004 TN
NO 85 SIPCOT INDUSTRIAL ESTATE ORAGADAM KANCHEEPURAM
28-02-2021
KANCHEEPURAM 602105 TN
85, PADALEESWARAR NAGAR ARISIPERIYANKUPPAM PADIRIKUPPAM B.O
30-06-2020
CUDDALORE, TAMIL NADU 607401 TN
NO.38A, VAITHI MUDHALI STREET 607302 30-09-2021
NO:85 SRI PADALEESWARAR NAGAR CUDDALORE VELLORE 607004 TN 29-02-2020
NO 85 PALALISWARAR NAGAR ARISIPERIYANKUPPAM TAMILNADU 607004
31-08-2024
607004 TN
NO 85 P ADALISWARAR NAGAR CUDDALORE - NEAR VAO OFFICE TAMIL NADU
30-06-2023
607004 607004 TN
NO:85 SRI PADAALEESWARAR NAGAR ARISIPERI YANKUPPAM CUDDALORE

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd
 31-12-2019
VELLORE 607004 TN
NO. 46/2; SABTHAGIRI GARDEN ARESEIPERIYAKUPPAM THIRUVANTHIPURAM
30-09-2024
NEAR TEMPLE TAMILNADU 607401 607401 TN

Email ID Variations Reported On

GURUPRAKASH78@GMAIL.COM 08-10-2024

Tip: All amounts are in INR.

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

Type Number of Account(s) Active Account(s) Overdue Account(s) Current Balance Amt Disbd/ High Credit
Primary Match 12 5 0 19,19,653 19,46,158
Total 12 5 0 19,19,653 19,46,158

Inquiries in last 24 Months: 4 New Account(s) in last 6 Months: 1 New Delinquent Account(s) in last 6 Months: 0

Account Information
1 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 08-10-2024
ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 04-10-2024 Disbd Amt/High Credit: 59,880

Credit Limit: Last Payment Date: Current Balance: 56,886
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 - - - - - - - - - 000/XXX - -

2 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-09-2024
ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 14-04-2024 Disbd Amt/High Credit: 2,79,578

Credit Limit: Last Payment Date: 02-08-2024 Current Balance: 2,39,224
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 - - - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - -

3 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-09-2024
ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 24-03-2020 Disbd Amt/High Credit: 2,32,000

Credit Limit: Last Payment Date: 02-08-2024 Current Balance: 43,048
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - -
2023 000/XXX 000/XXX 000/XXX 000/XXX 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 000/XXX 000/XXX
2021 - - - - - - - - - 000/XXX 000/XXX 000/XXX

4 Account Type: HOUSING LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-10-2024
ACTIVE

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd
 Ownership: JOINT Disbursed Date: 11-11-2019 Disbd Amt/High Credit: 5,00,000
Credit Limit: Last Payment Date: Current Balance: 5,68,408
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 5,803/Monthly Tenure(month): 264 Overdue Amt:
Status: Restructured due to COVID-19 Principal Writeoff Amt: 0
Settlement Amt: 0 Total Writeoff Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD - -
2023 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD
2022 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD
2021 - - - - - - - - - - XXX/STD XXX/STD

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
No Collateral 17,56,000
17,56,000
Property 17,56,000
5 Account Type: HOUSING LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-10-2024
ACTIVE

Ownership: JOINT Disbursed Date: 04-11-2019 Disbd Amt/High Credit: 8,74,700

Credit Limit: Last Payment Date: Current Balance: 10,12,087
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 9,854/Monthly Tenure(month): 264 Overdue Amt:
Status: Restructured due to COVID-19 Principal Writeoff Amt: 0
Settlement Amt: 0 Total Writeoff Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD - -
2023 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD 029/STD 029/STD XXX/STD XXX/STD XXX/STD
2022 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD
2021 - - - - - - - - - - XXX/STD XXX/STD

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
Property 26,34,000
No Collateral 26,34,000
26,34,000
6 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-08-2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 09-11-2022 Disbd Amt/High Credit: 7,900

Credit Limit: Last Payment Date: 02-07-2023 Current Balance: 0
Cash Limit: Closed Date: 06-07-2023 Last Paid Amt:
InstlAmt/Freq: 988/Monthly Tenure(month): 8 Overdue Amt: 0

Payment History/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 - - - - -
2022 - - - - - - - - - - 000/XXX 000/XXX

7 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-08-2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 09-11-2022 Disbd Amt/High Credit: 19,000

Credit Limit: Last Payment Date: 02-07-2023 Current Balance: 0
Cash Limit: Closed Date: 04-07-2023 Last Paid Amt:
InstlAmt/Freq: 2,375/Monthly Tenure(month): 8 Overdue Amt: 0

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd
 Payment History/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 - - - - -
2022 - - - - - - - - - - 000/XXX 000/XXX

8 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-03-2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 06-06-2022 Disbd Amt/High Credit: 15,920

Credit Limit: Last Payment Date: 02-02-2023 Current Balance: 0
Cash Limit: Closed Date: 05-02-2023 Last Paid Amt:
InstlAmt/Freq: 1,990/Monthly Tenure(month): 8 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX - - - - - - - - - -
2022 - - - - - 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 15,920 0 06-06-2022
9 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-03-2022
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 18-06-2021 Disbd Amt/High Credit: 19,990

Credit Limit: Last Payment Date: 02-02-2022 Current Balance: 0
Cash Limit: Closed Date: 10-02-2022 Last Paid Amt:
InstlAmt/Freq: 2,499 Tenure(month): 8 Overdue Amt: 0

Payment History/Asset Classification:

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

10 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 28-02-2021
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 05-12-2019 Disbd Amt/High Credit: 16,590

Credit Limit: Last Payment Date: 31-10-2020 Current Balance: 0
Cash Limit: Closed Date: 24-08-2020 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -
2019 - - - - - - - - - - - 000/XXX

11 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 08-07-2020
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 16-11-2019 Disbd Amt/High Credit: 28,800

Credit Limit: Last Payment Date: 08-07-2020 Current Balance: 0
Cash Limit: Closed Date: 08-07-2020 Last Paid Amt: 0
InstlAmt/Freq: Tenure(month): 12 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 000/XXX 000/XXX 000/XXX XXX/XXX 000/XXX 000/XXX 000/XXX - - - - -
- - - - - - - - - - XXX/XXX

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd
 2019 - - - - - - - - - - 000/XXX XXX/XXX

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
Gold 28,800
12 Account Type: HOUSING LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-01-2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 26-06-2018 Disbd Amt/High Credit: 9,00,000

Credit Limit: Last Payment Date: 15-11-2019 Current Balance: 0
Cash Limit: Closed Date: 15-11-2019 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 120 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2019 XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX -
2018 - - - - - - XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
31,08,825
Property 31,08,825
31,08,825

AA DVANCED O VERLAP REPORT CHM Ref #:

Prepared For:
IDFC241107CR731823431
IDFC
Prakash Rangasamy
Date of
07-11-2024 14:45:33
Request:
Date of Issue: 07-11-2024

Tip: All amounts are in INR

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

Association Account Summary Disbursed Amount Instalment Amount Current Balance

Type
Own Other Active Closed Default Own Other Own Other Own Other
Primary Match 0 0 0 0 0 - - - - - -
Secondary Match 0 0 0 0 0 - - - - - -

Account Details - Primary

GROUP DETAILS CHM Ref #:

Prepared For:
IDFC241107CR731823431
IDFC
Date of
07-11-2024 14:45:33
Request:
Date of Issue: 07-11-2024

Tip: All amounts are in INR

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

Association Account Summary Disbursed Amount Instalment Amount Current Balance

Type
Own Other Active Closed Default Own Other Own Other Own Other
Primary Match 0 0 0 0 0 - - - - - -
Secondary Match 0 0 0 0 0 - - - - - -

Account Details - Primary

Inquiries (reported for past 24 months)

Credit Grantor Date of Inquiry Purpose Amount Remark
XXXX 14-08-2023 OTHER 15,000
XXXX 30-08-2023 OTHER 0

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd
XXXX 14-04-2023 OTHER 40,000
XXXX 29-09-2023 Personal Loan 5,00,000
-END OF INDIVIDUAL REPORT-

Appendix
Section Code Description
Indicates number of accounts that the applicant has defaulted on within the last 6
Account Summary Number of Delinquent Accounts
months
Account Information - Credit Grantor XXXX Name of grantor undisclosed as credit grantor is different from inquiring institution
Account Information - Account # xxxx Account Number undisclosed as credit grantor is different from inquiring institution
Payment History / Asset Classification XXX Data not reported by institution
Payment History / Asset Classification - Not applicable
Payment History / Asset Classification STD Account Reported as STANDARD Asset
Payment History / Asset Classification SUB Account Reported as SUB-STANDARD Asset
Payment History / Asset Classification DBT Account Reported as DOUBTFUL Asset
Payment History / Asset Classification LOS Account Reported as LOSS Asset
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Account Information - Account # CI-Ceased/Membership Terminated Credit Institution has Ceased to Operate or Membership Terminated

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2024 Company Confidential Data
Ltd