CONSUMER CIR

CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

CONSUMER INFORMATION:
NAME: NARESH KUMAR SHARMA S/O SU RESH CHAND SHARMA

DATE OF BIRTH: 26-06-1981 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CREDITVISION® SCORE
767 1:
2:
PAYMENT MADE IN PROPORTION TO TOTAL BALANCE OUTSTANDING IS LOW
HIGH BALANCE IN PROPORTION TO HIGH CREDIT AMOUNT IN THE LAST 12
MONTHS
3: HIGH PROPORTION OF OUTSTANDING TRADES
4: HIGH BALANCE BUILD-UP ON NON-MORTGAGE LOANS

PERSONAL LOAN SCORE

805 1: LOW AVERAGE TRADE AGE.

EARLY RISK SCORE

0 1: SCORE NOT AVAILABLE.

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.

POSSIBLE RANGE FOR PERSONAL LOAN SCORE

Consumers with more than 1 month credit history* : 300 (high risk) to 900 (low risk)
Consumers not in CIBIL database or with insufficient information for scoring* : -1

* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.

POSSIBLE RANGE FOR EARLY RISK SCORE

Consumer with at least one trade on the bureau in last 36 months : 1300 (High Risk) to 1900 (Low Risk)
Consumer not in CIBIL database or history older than 36 months : -1
Consumer with enquiry purpose other than personal and consumer loan : 0

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

* 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) AXMPS4588A

VOTER ID NUMBER BLR/1623800

UNIVERSAL ID NUMBER (UID) XXXXXXXXXXXX

CKYC 60036212453283

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

MOBILE PHONE 9414240252

NOT CLASSIFIED 9414240252

EMAIL CONTACT(S):
EMAIL ADDRESS

NARESHRAMA1980@GMAIL.COM

NARESHRAMA1980@GMAIL.COM

ADDRESS(ES):

ADDRESS :S/O-SURESH CHAND SHARMA,INDRA COLONY GURUDWARA K PEECHE,WARD NUM 09, SAWAI MA GURUDWARA KE PEECHE
SAWAI MADHOPUR 322001 RAJASTHAN 322001

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:30-09-2024

ADDRESS :S/O SURESH CHAND SHARMA INDRA COLONY SAWAI MADHOPUR WARD NUM 09 GURUDWARA K PEECHE SAWAI MADHOPUR
SAWAI MADHOPUR RAJASTHAN 322001

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:30-04-2024

ADDRESS :S/O SURESH CHAND SHARMA INDRA COLONY SAWAI MADHOPUR WARD NUM 09 GURUDWARA K PEECHE SAWAI MADHOPUR
SAWAI MADHOPUR RAJASTHAN 322001

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE: DATE REPORTED:30-04-2024

ADDRESS :S O SURESH CHAND SHARMA INDRA COLONY SAW AI MADHOPUR WARD NUM 09 GURUDWARA K PEEC HE SAWAI MADHOPUR
RAJASTHAN 322001

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 2 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023

EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR

CREDIT CARD 30-09-2024 Not Available 2500000 Not Available Not Available

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED

All Accounts TOTAL: 11 HIGH CR/SANC. AMT: 1,33,52,814 CURRENT: 69,31,284 RECENT: 24-09-2024

OVERDUE: 0 OVERDUE: 0 OLDEST: 05-08-2014

ZERO-BALANCE: 8

ENQUIRIES
Only Last 36 months enquiries will be displayed in the Credit report
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

All Enquiries 10 1 4 3 25-11-2024

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 24-09-2024 CURRENT BALANCE: 0

ACCOUNT NUMBER: NOT CLOSED: 31-10-2024 CREDIT LIMIT: 50,000
DISCLOSED REPORTED AND CERTIFIED: CASH LIMIT: 20,000
TYPE: CREDIT CARD 31-10-2024
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-10-2024
PMT HIST END: 01-09-2024

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

000 000
10-24 09-24

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 19-10-2023 SANCTIONED: 7,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 06-11-2023 CURRENT BALANCE: 0
DISCLOSED REPORTED AND CERTIFIED: EMI: 206
TYPE: CONSUMER LOAN 30-11-2024 PMT FREQ: MONTHLY

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 3 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

OWNERSHIP: INDIVIDUAL PMT HIST START: 01-11-2024

PMT HIST END: 01-10-2023

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

000 000 000 000 000 000 000 000 000 000 000 000 000 000
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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 19-10-2023 SANCTIONED: 28,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 06-11-2023 CURRENT BALANCE: 0
DISCLOSED REPORTED AND CERTIFIED: EMI: 824
TYPE: CONSUMER LOAN 30-11-2024 PMT FREQ: MONTHLY
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-11-2024
PMT HIST END: 01-10-2023

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

000 000 000 000 000 000 000 000 000 000 000 000 000 000
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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: BOB OPENED: 16-10-2023 SANCTIONED: 9,95,000

ACCOUNT NUMBER: 45780600002374 LAST PAYMENT: 10-11-2024 CURRENT BALANCE: 8,76,775
TYPE: AUTO LOAN REPORTED AND CERTIFIED: EMI: 15,933
OWNERSHIP: JOINT 30-11-2024 PMT FREQ: MONTHLY
COLLATERAL VALUE: 1421590 PMT HIST START: 01-11-2024 REPAYMENT TENURE: 84
COLLATERAL TYPE: PROPERTY PMT HIST END: 01-10-2023 INTEREST RATE: 8.85
ACTUAL PAYMENT: 15,933

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

000 000 000 000 000 000 000 000 000 000 000 STD STD STD
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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: BOB OPENED: 16-03-2023 SANCTIONED: 51,77,000

ACCOUNT NUMBER: 45780600002085 LAST PAYMENT: 10-12-2024 CURRENT BALANCE: 45,73,769
TYPE: HOUSING LOAN REPORTED AND CERTIFIED: EMI: 45,092
OWNERSHIP: JOINT 15-12-2024 PMT FREQ: MONTHLY
COLLATERAL VALUE: 13000000 PMT HIST START: 01-12-2024 REPAYMENT TENURE: 240
COLLATERAL TYPE: PROPERTY PMT HIST END: 01-03-2023 INTEREST RATE: 8.550
ACTUAL PAYMENT: 45,092

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

000 000 000 000 000 000 000 000 000 000 000 000 STD STD STD STD STD STD
12-24 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

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 4 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

STD STD STD STD

06-23 05-23 04-23 03-23

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: BOB OPENED: 25-07-2022 SANCTIONED: 50,000

ACCOUNT NUMBER: 45780600001836 LAST PAYMENT: 14-09-2022 CURRENT BALANCE: 0
TYPE: PERSONAL LOAN CLOSED: 17-10-2022 EMI: 3,143
OWNERSHIP: INDIVIDUAL REPORTED AND CERTIFIED: PMT FREQ: MONTHLY
COLLATERAL TYPE: NO COLLATERAL 31-10-2022 REPAYMENT TENURE: 18
PMT HIST START: 01-10-2022 INTEREST RATE: 16.00
PMT HIST END: 01-07-2022

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

STD STD STD STD

10-22 09-22 08-22 07-22

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: BOB OPENED: 23-07-2021 SANCTIONED: 30,00,000

ACCOUNT NUMBER: 45780400000240 LAST PAYMENT: 31-08-2021 CURRENT BALANCE: 14,80,740
TYPE: PROPERTY LOAN REPORTED AND CERTIFIED: INTEREST RATE: 7.65
OWNERSHIP: GUARANTOR 31-08-2021 ACTUAL PAYMENT: 28,93,152
COLLATERAL TYPE: NO COLLATERAL PMT HIST START: 01-08-2021
PMT HIST END: 01-07-2021

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

STD STD
08-21 07-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 28-08-2019 SANCTIONED: 14,80,000

ACCOUNT NUMBER: NOT CLOSED: 27-04-2020 CURRENT BALANCE: 0
DISCLOSED REPORTED AND CERTIFIED: EMI: 14,80,000
TYPE: LOAN AGAINST BANK 31-05-2020 PMT FREQ: MONTHLY
DEPOSITS PMT HIST START: 01-05-2020 REPAYMENT TENURE: 10
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-08-2019 INTEREST RATE: 9.25
COLLATERAL TYPE: NO COLLATERAL ACTUAL PAYMENT: 17,39,954

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

000 000 185 186 157 126 095 065 034 004
05-20 04-20 03-20 02-20 01-20 12-19 11-19 10-19 09-19 08-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 26-08-2019 SANCTIONED: 15,00,000

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 5 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

ACCOUNT NUMBER: NOT CLOSED: 27-04-2020 CURRENT BALANCE: 0

DISCLOSED REPORTED AND CERTIFIED: EMI: 15,00,000
TYPE: LOAN AGAINST BANK 31-05-2020 PMT FREQ: MONTHLY
DEPOSITS PMT HIST START: 01-05-2020 REPAYMENT TENURE: 34
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-08-2019 INTEREST RATE: 8.50
COLLATERAL TYPE: NO COLLATERAL ACTUAL PAYMENT: 17,54,380

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

000 000 000 000 000 000 000 000 000 000
05-20 04-20 03-20 02-20 01-20 12-19 11-19 10-19 09-19 08-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 28-06-2018 HIGH CREDIT: 15,814

ACCOUNT NUMBER: NOT LAST PAYMENT: 01-01-2019 CURRENT BALANCE: 0
DISCLOSED CLOSED: 08-08-2022 CREDIT LIMIT: 10,000
TYPE: CREDIT CARD REPORTED AND CERTIFIED: CASH LIMIT: 3,000
OWNERSHIP: INDIVIDUAL 31-10-2022 ACTUAL PAYMENT: 15,814
PMT HIST START: 01-10-2022
PMT HIST END: 01-11-2019

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

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000
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 09-21 08-21 07-21 06-21 05-21

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000
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 03-20 02-20 01-20 12-19 11-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 05-08-2014 SANCTIONED: 11,00,000

ACCOUNT NUMBER: NOT CLOSED: 01-08-2019 CURRENT BALANCE: 0
DISCLOSED REPORTED AND CERTIFIED: EMI: 10,982
TYPE: HOUSING LOAN 30-09-2019 PMT FREQ: MONTHLY
OWNERSHIP: JOINT PMT HIST START: 01-09-2019 REPAYMENT TENURE: 240
COLLATERAL TYPE: NO COLLATERAL PMT HIST END: 01-10-2016 INTEREST RATE: 9.950
ACTUAL PAYMENT: 14,46,329

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

000 000 000 XXX XXX 000 000 000 000 000 000 000 000 000 000 000 000 000
09-19 08-19 07-19 06-19 05-19 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

000 000 000 000 000 000 000 000 000 000 XXX 000 000 000 000 000 XXX 000
03-18 02-18 01-18 12-17 11-17 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

ENQUIRIES:

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 6 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: NARESH KUMAR SHARMA DATE:23-12-2024

MEMBER ID: BN05030117 TIME: 15:58:24

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 8,51,78,30,082

Only Last 36 months enquiries will be displayed in the Credit report

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

BOB 25-11-2024 OVERDRAFT 1

NOT DISCLOSED 09-09-2024 CREDIT CARD 50,000

BOB 04-04-2024 HOUSING LOAN 1

NOT DISCLOSED 29-01-2024 CREDIT CARD 50,000

NOT DISCLOSED 24-01-2024 CREDIT CARD 50,000

BOB 12-10-2023 AUTO LOAN 9,95,000

BOB 24-07-2023 OVERDRAFT 1

BOB 13-03-2023 HOUSING LOAN 50,00,000

BOB 28-10-2022 HOUSING LOAN 1

BOB 21-07-2022 BUSINESS LOAN - 1

GENERAL

END OF REPORT ON NARESH KUMAR SHARMA

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.

© 2024 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 7 OF 7

TransUnion CIBIL CIN : U72300MH2000PLC128359