12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT

CONSUMER CIR
CONSUMER: Ganeshpriyan Govindan DATE: 17-12-2024
MEMBER ID: NB67258888_CIRC2CNPE1 TIME: 14:02:01
MEMBER REFERENCE
NUMBER:
2534293505 CONTROL NUMBER: 008494551724

CONSUMER INFORMATION:
NAME: GANESH PRIYAN KARIYAN GOVINDHAN
DATE OF BIRTH: 30-05-1984 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

1. PRESENCE OF DELINQUENCY
2. PRESENCE OF DELINQUENCY IN THE RECENT PAST
CREDITVISION® SCORE 652 3.
4.
PRESENCE OF DELINQUENCY IN LAST 12 MONTHS
HIGH BALANCE BUILD-UP ON SECURED LOANS
5. LOW PROPORTION OF SATISFACTORY TRADES

POSSIBLE RANGE FOR CREDITVISION® SCORE

Consumer with at least one trade on the bureau in last 36 months : 300 (high risk) to 900 (low risk)
Consumer not in CIBIL database or history older than 36 months : -1

* At least one tradeline with information updated in last 36 months is required.

IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE
INCOME TAX ID NUMBER (PAN) ATLPG3983A

VOTER ID XWO0102491
RATION CARD NUMBER 06G/198038

UNIVERSAL ID NUMBER (UID) NOT DISCLOSED 18-08-2016

CKYC 40070736163637

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION
NOT CLASSIFIED 9786631988

MOBILE PHONE 9786631988

NOT CLASSIFIED 9790243694

MOBILE PHONE 9790243694

EMAIL CONTACT(S):
EMAIL ADDRESS
GANESH1984@GMAIL.COM

GANESHPRIYAN884@GMAIL.COM

ADDRESS(ES):

ADDRESS : GANESH FANCY STORE, ,NO 05, MAIN ROAD , ,VEMBAKKAM - 604410 , , CHEYYAR ,TAMIL NADU ,604506

CATEGORY: OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED: 10-05-2019

(e)
ADDRESS : NO 10B ,MAIN ROAD ,VEMBAKKAM - 604410 , ,, CHEYYAR ,TAMIL NADU ,604506

CATEGORY: OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED: 29-08-2018

ADDRESS : NO 207, ROTTU STREET ,VENGALATHUR , , ,UMAIYALPURAM , VENGALATHUR - 604410 , ,NEAR PILLAIYAR KOVIL , CHEYYAR ,TAMIL NADU ,604506

CATEGORY: NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED: 30-04-2017

ADDRESS : NO 1-175 KULA STREET, ,UMAIYALPURAM VILLAGE, VENGALATHUR POST, ,CHEYYAR TK 604410 ,TIRUVANNAMALAI ,TAMIL NADU ,604410

CATEGORY: NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED: 31-05-2015

EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE REPORTED OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
INDICATOR INCOME INDICATOR
PERSONAL LOAN 30-06-2023 Others Not Available Not Available Not Available

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED
All Accounts TOTAL:20 HIGH CR/SANC. AMT:21,96,543 CURRENT:3,43,555 RECENT:29-07-2024

OVERDUE:3 OVERDUE:1,03,048 OLDEST:13-05-2015

ZERO-BALANCE:17
ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 1/6
12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT
All Enquiries 4 0 3 1 04-06-2024

ACCOUNT(S):
ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:26-07-2023 CURRENT BALANCE:0

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-06- EMI:93,604

2024
TYPE:GOLD LOAN INTEREST RATE:12.65
CLOSED:14-06-2024
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-06-2024

PMT HIST END:01-07-2023

LAST PAYMENT:14-06-2024

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

SUB SUB SUB STD STD STD STD STD STD STD STD STD
06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:10-05-2024 SANCTIONED:89,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-11- CURRENT BALANCE:86,441

2024
TYPE:TWO-WHEELER LOAN OVERDUE:11,648
PMT HIST START:01-11-2024
OWNERSHIP:INDIVIDUAL EMI:3,883
PMT HIST END:01-05-2024
PAYMENT FREQUENCY: Monthly
LAST PAYMENT:05-09-2024
INTEREST RATE:22.00

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

086 056 025 026 000 000 000

11-24 10-24 09-24 08-24 07-24 06-24 05-24

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:29-07-2024 SANCTIONED:95,792

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-11- CURRENT BALANCE:94,219

2024
TYPE:TWO-WHEELER LOAN OVERDUE:7,400
PMT HIST START:01-11-2024
OWNERSHIP:INDIVIDUAL EMI:3,700
PMT HIST END:01-07-2024
PAYMENT FREQUENCY: Monthly
LAST PAYMENT:18-09-2024
REPAYMENT TENURE:36

INTEREST RATE:22.84

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

058 028 000 000 000

11-24 10-24 09-24 08-24 07-24

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:24-06-2021 SANCTIONED:73,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-11- CURRENT BALANCE:1,62,895

2024
TYPE:TWO-WHEELER LOAN OVERDUE:84,000
PMT HIST START:01-11-2024
OWNERSHIP:INDIVIDUAL EMI:4,000
PMT HIST END:01-04-2023
PAYMENT FREQUENCY: Monthly

REPAYMENT TENURE:24

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

030 030 030 030 030 030 030 030 030 030 030 785 753 723 692 662 631 055
11-24 10-24 09-24 08-24 07-24 06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23

025 000
05-23 04-23

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:28-10-2022 CURRENT BALANCE:0

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-07- EMI:84,000

2023
TYPE:GOLD LOAN INTEREST RATE:11.50
CLOSED:26-07-2023
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-07-2023

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 2/6
12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT
PMT HIST END:01-10-2022

LAST PAYMENT:26-07-2023

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

STD STD STD STD STD STD STD STD STD STD
07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:23-07-2021 SANCTIONED:91,451 CREDIT FACILITY

STATUS:SETTLED
ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-06- CURRENT BALANCE:0
2023 SETTLEMENT:60,000
TYPE:PERSONAL LOAN EMI:3,122
CLOSED:27-03-2023
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-06-2023
REPAYMENT TENURE:49
PMT HIST END:01-07-2021
ACTUAL PAYMENT:50,000
LAST PAYMENT:21-03-2023

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 XXX XXX 000 056 059 028 000 000 000 000 000 000 000 000 000 000 000
06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22

000 000 000 000 000 000

12-21 11-21 10-21 09-21 08-21 07-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:20-08-2020 SANCTIONED:2,92,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-10- CURRENT BALANCE:0

2021
TYPE:GOLD LOAN EMI:9,699
CLOSED:31-10-2021
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-10-2021
REPAYMENT TENURE:36
PMT HIST END:01-08-2020
ACTUAL PAYMENT:3,59,748
LAST PAYMENT:26-10-2021

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 206 176 145 114 112 081 051 020 023 000 000 000 000 000
10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21 01-21 12-20 11-20 10-20 09-20 08-20

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:10-01-2020 SANCTIONED:1,49,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-08- CURRENT BALANCE:0

2020
TYPE:GOLD LOAN EMI:7,014
CLOSED:19-08-2020
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-08-2020
REPAYMENT TENURE:28
PMT HIST END:01-01-2020
ACTUAL PAYMENT:1,31,320
LAST PAYMENT:18-08-2020

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000

08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:10-01-2020 SANCTIONED:76,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-08- CURRENT BALANCE:0

2020
TYPE:GOLD LOAN EMI:3,578
CLOSED:19-08-2020
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-08-2020
REPAYMENT TENURE:28
PMT HIST END:01-01-2020
ACTUAL PAYMENT:66,990
LAST PAYMENT:18-08-2020

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000

08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20

ACCOUNT DATES AMOUNTS STATUS

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 3/6
12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT

MEMBER NAME:NOT DISCLOSED OPENED:20-09-2019 SANCTIONED:2,00,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-12- CURRENT BALANCE:0

2019
TYPE:GOLD LOAN
CLOSED:23-12-2019
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-12-2019

PMT HIST END:01-09-2019

LAST PAYMENT:23-12-2019

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000

12-19 11-19 10-19 09-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:09-09-2019 SANCTIONED:2,00,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-12- CURRENT BALANCE:0

2019
TYPE:GOLD LOAN
CLOSED:23-12-2019
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-12-2019

PMT HIST END:01-09-2019

LAST PAYMENT:23-12-2019

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000

12-19 11-19 10-19 09-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:26-10-2018 SANCTIONED:57,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-08- CURRENT BALANCE:0

2019
TYPE:GOLD LOAN
CLOSED:20-08-2019
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-08-2019

PMT HIST END:01-10-2018

LAST PAYMENT:20-08-2019

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 XXX 000 000 000
08-19 07-19 06-19 05-19 04-19 03-19 02-19 01-19 12-18 11-18 10-18

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:27-07-2017 SANCTIONED:80,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-08- CURRENT BALANCE:0

2017
TYPE:GOLD LOAN
CLOSED:10-08-2017
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-08-2017

PMT HIST END:01-07-2017

LAST PAYMENT:10-08-2017

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000
08-17 07-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:13-06-2017 SANCTIONED:57,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-04- CURRENT BALANCE:0

2019
TYPE:TWO-WHEELER LOAN EMI:3,254
CLOSED:25-04-2019
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-04-2019
REPAYMENT TENURE:24
PMT HIST END:01-06-2017
ACTUAL PAYMENT:10,024

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 4/6
12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT

000 000 000 000 000 024 XXX 024 025 025 024 025 000 000 000 000 000 000
04-19 03-19 02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17

000 000 000 000 000

10-17 09-17 08-17 07-17 06-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:19-04-2017 SANCTIONED:61,300

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-07- CURRENT BALANCE:0

2017
TYPE:GOLD LOAN
CLOSED:27-07-2017
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-07-2017

PMT HIST END:01-04-2017

LAST PAYMENT:27-07-2017

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000

07-17 06-17 05-17 04-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:18-04-2017 SANCTIONED:50,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-04- CURRENT BALANCE:0

2017
TYPE:GOLD LOAN
CLOSED:18-04-2017
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-04-2017

PMT HIST END:01-04-2017

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000
04-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:18-04-2017 SANCTIONED:55,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:30-04- CURRENT BALANCE:0

2017
TYPE:GOLD LOAN
CLOSED:19-04-2017
OWNERSHIP:INDIVIDUAL
PMT HIST START:01-04-2017

PMT HIST END:01-04-2017

LAST PAYMENT:19-04-2017

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000
04-17

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:01-08-2015 SANCTIONED:30,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-10- CURRENT BALANCE:0

2017
TYPE:GOLD LOAN EMI:40,530
CLOSED:31-10-2017
OWNERSHIP:INDIVIDUAL PAYMENT FREQUENCY: Monthly
PMT HIST START:01-10-2017
COLLATERAL TYPE:GOLD REPAYMENT TENURE:36
PMT HIST END:01-08-2015
INTEREST RATE:11.00
LAST PAYMENT:01-08-2016

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
10-17 09-17 08-17 07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16

STD STD STD STD STD STD STD STD STD

04-16 03-16 02-16 01-16 12-15 11-15 10-15 09-15 08-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:13-05-2015 SANCTIONED:40,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:31-12- CURRENT BALANCE:0

2016
TYPE:GOLD LOAN EMI:54,065
CLOSED:08-07-2016

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 5/6
12/17/24, 2:02 PM CIBIL: CONSUMER INFORMATION REPORT
OWNERSHIP:INDIVIDUAL PMT HIST START:01-12-2016 PAYMENT FREQUENCY: Monthly

COLLATERAL TYPE:GOLD PMT HIST END:01-05-2015 REPAYMENT TENURE:36

INTEREST RATE:11.00

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

STD XXX XXX XXX XXX STD STD STD STD STD STD STD STD STD STD STD STD STD
12-16 11-16 10-16 09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16 01-16 12-15 11-15 10-15 09-15 08-15 07-15

STD STD
06-15 05-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME:NOT DISCLOSED OPENED:21-05-2019 SANCTIONED:5,00,000

ACCOUNT NUMBER:NOT DISCLOSED REPORTED AND CERTIFIED:10-10- CURRENT BALANCE:0

2023
TYPE:PERSONAL LOAN EMI:12,970
CLOSED:27-03-2023
OWNERSHIP:JOINT PAYMENT FREQUENCY: Monthly
PMT HIST START:01-03-2023
REPAYMENT TENURE:67
PMT HIST END:01-04-2020
ACTUAL PAYMENT:13,000
LAST PAYMENT:25-03-2023

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

XXX 117 120 089 058 058 058 059 058 058 028 027 028 025 028 000 000 000
03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21

000 027 000 026 000 000 000 000 000 000 000 000 000 000 000 000 000 000
09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21 01-21 12-20 11-20 10-20 09-20 08-20 07-20 06-20 05-20 04-20

ENQUIRIES:
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 04-06-2024 CONSUMER LOAN 20,000

NOT DISCLOSED 04-06-2024 CONSUMER LOAN 20,000
NOT DISCLOSED 20-04-2024 Auto Loan (Personal) 1
NOT DISCLOSED 28-07-2023 CONSUMER LOAN 50,000

END OF REPORT ON GANESH PRIYAN KARIYAN GOVINDHAN

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.

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved
TransUnion CIBIL CIN : U72300MH2000PLC128359

https://hffc--c.vf.force.com/servlet/servlet.FileDownload?file=00PNo00000Ibyl1MAB 6/6