CONSUMER BASE™ REPORTCHM Ref #: 4455551745675099

Prepared For: The Money Fair

For Ravi kumar
Date of Request: 26-04-2025
Includes Microfinance

Inquiry Input Information

Name: Ravi kumar DOB/Age: -

Father: - Gender: -
Phone Numbers: 9304335070 Spouse: -
Entity Id: DTC0000210 Mother: -
Current Address: ID(s): [ PAN ]
Email ID(s): -

CRIF HM Score (s):

SCORE NAME SCORE SCORING FACTORS

Very recent delinquency observed

PERFORM CONSUMER 2.0 695 Delinquency observed in the past

Score Range : 300-900
Substantial proportion of outstanding balance to disbursed amount

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 Birth Date

RAVI KUMARCHOUDHARY 31-07-2019

Address Variations Reported On

S O RAMJEET CHOUDHARY NEAR RAM MANDIR RANCHI 834001 JH 31-01-2024

NO GOSAI TOLI RANCHI CHUTIA 834001 JH 31-05-2024

GOSSAI TOLI CHUTIA, RANCHI JHARKHAND 834001 JH 30-06-2024

NEARRAMMANDIRGOSAITOLICHUTIA RANCHI 834001 JH 31-07-2019

NEAR RAM MANDIR, GOSAI TOLI, CHUTIA 834001 JH 31-08-2021

GOSSAI TOLI CHUTIA, RANCHI JHARKHAND RANCHI JHARKHAND 834001 JH 30-09-2024

B-26 GOSSAI TOLI CHUTIA CHUTIA NEAR ITI COLLEGE RANCHI JHARKHAND 834001 834001 JH 31-08-2022
S O RAMJEET CHOUDHARY, NEAR RAM MANDIR G OSAI TOLI, 601 JHARKHAND 834001 JH 31-07-2024

RANCHI, JHARKHAND, 834001 834001 JH 30-04-2019

S O RAMJEET CHOUDHARY NEAR RAM MANDIR GOSAI TOLI CHUTIA RANCHI JHARKHAND 834001 834001 JH 31-10-2023

ITI COLLEGE NEAR RAM MANDIR HOUSE NO-6 TANK ROAD CHUTLE RANCHI PS CHUTLA RANCHI 834001 JHARKHAND 834001 JH 30-09-2024

S O RAMJEET CHOUDHARY GOSAI TOLI GOSAI RANCHI 834001 JH 30-11-2024

Email ID Variations
rk1357055@gmail.com

ID Variations Phone Variations

BXPPC1622R [PAN] 6209792989

XXXXXXXX6828 [UID] 9304335070

30080812079852 [Other]

Tip: All amounts are in INR.

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

Number of Zero Balance Overdue Current Overdue Amt Disbd/ High

Type
Account(s) Account(s) Account(s) Balance Balance Credit

Primary
30 30 0 0 0 70,000
Match

Total 30 30 0 0 0 70,000

Total Inquiries : Inquiries in last Months: 1 Inquiries in last 12 Months: Inquiries in last 30 Days:

Account Information

1 Account Type: Consumer Loan (IDFC)

 Member Short Name: NOT DISCLOSED Date Opened: 05-07-2023

High Credit Amount: 70,000 Ownership Indicator: Individual

A
C Last Payment Date: 16-07-2024 0
T
I Date Reported: 31-03-2025 Payment Start Date: 01-03-2025
V
E
Payment End Date: 01-07-2023

Predicted Emi Amount:

Payment Tenure:60 Actual Payment Amount:59,737

Suit Filed:No Suit filed

Payment History/Asset Classification

January February March April May June July August September October November December

2025 000 000 000 - - - - - - - - -

2024 000 000 000 000 000 000 000 000 000 000 000 000

2023 - - - - - - 000 000 000 000 000 000

- - - - - - - - - - -

2 Account Type: Personal Loan (CITRA FINANCIALS PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 20-06-2024

High Credit Amount: 5,000 Ownership Indicator: Individual

C
L Last Payment Date: 23-09-2024 0
O
S Date Reported: 30-09-2024 Payment Start Date: 01-09-2024
E
D
Payment End Date: 01-06-2024

Predicted Emi Amount:

Interest Rate:120.0

Suit Filed:No Suit filed Date Closed:23-09-2024

Payment History/Asset Classification

January February March April May June July August September October November December

2024 - - - - - 000 000 000 000 - - -

- - - - - - - - - - -

3 Account Type: Personal Loan (MPOKKET FINANCIAL SERVICES)

Member Short Name: NOT DISCLOSED Date Opened: 11-04-2021

High Credit Amount: 2,000 Ownership Indicator: Individual

C
L Last Payment Date: 23-08-2022 0
O
S Date Reported: 31-08-2022 Payment Start Date: 01-08-2022
E
D
Payment End Date: 01-04-2021

Predicted Emi Amount:

Date Closed:23-08-2022

Payment History/Asset Classification

January February March April May June July August September October November December

2022 269 269 300 323 354 384 415 000 - - - -

2021 - - - XXX 004 029 108 110 XXX 166 179 222

- - - - - - - - - - -

4 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 18-03-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 02-04-2019 0
O
S Date Reported: 30-04-2019 Payment Start Date: 01-04-2019
E
D
Payment End Date: 01-04-2019

Predicted Emi Amount:

Date Closed:02-04-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - XXX - - - - - - - -

- - - - - - - - - - -

5 Account Type: Personal Loan (SMICC)

Member Short Name: NOT DISCLOSED Date Opened: 02-04-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 02-04-2019 0
O
S Date Reported: 31-07-2019 Payment Start Date: 01-04-2019
E
D
Payment End Date: 01-04-2019

Predicted Emi Amount:

Date Closed:22-04-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - XXX - - - - - - - -
 - - - - - - - - - - -

6 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 18-04-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 04-05-2019 0
O
S Date Reported: 31-05-2019 Payment Start Date: 01-05-2019
E
D
Payment End Date: 01-05-2019

Predicted Emi Amount:

Date Closed:04-05-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - XXX - - - - - - -

- - - - - - - - - - -

7 Account Type: Personal Loan (SMICC)

Member Short Name: NOT DISCLOSED Date Opened: 07-05-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 07-05-2019 0
O
S Date Reported: 31-07-2019 Payment Start Date: 01-05-2019
E
D
Payment End Date: 01-05-2019

Predicted Emi Amount:

Date Closed:23-05-2019
Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - XXX - - - - - - -

- - - - - - - - - - -

8 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 23-05-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 11-06-2019 0
O
S Date Reported: 30-06-2019 Payment Start Date: 01-06-2019
E
D
Payment End Date: 01-06-2019

Predicted Emi Amount:

Date Closed:11-06-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - - XXX - - - - - -

- - - - - - - - - - -

9 Account Type: Personal Loan (SMICC)

 Member Short Name: NOT DISCLOSED Date Opened: 11-06-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 11-06-2019 0
O
S Date Reported: 31-07-2019 Payment Start Date: 01-07-2019
E
D
Payment End Date: 01-06-2019

Predicted Emi Amount:

Date Closed:01-07-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - - 004 000 - - - - -

- - - - - - - - - - -

10 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 09-07-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 25-07-2019 0
O
S Date Reported: 31-07-2019 Payment Start Date: 01-07-2019
E
D
Payment End Date: 01-07-2019

Predicted Emi Amount:

Date Closed:25-07-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - - - 000 - - - - -
 - - - - - - - - - - -

11 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 02-08-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 03-09-2019 0
O
S Date Reported: 30-09-2019 Payment Start Date: 01-09-2019
E
D
Payment End Date: 01-08-2019

Predicted Emi Amount:

Date Closed:03-09-2019

Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - - - - 000 000 - - -

- - - - - - - - - - -

12 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 05-09-2019

High Credit Amount: 2,200 Ownership Indicator: Individual

C
L Last Payment Date: 05-10-2019 0
O
S Date Reported: 31-10-2019 Payment Start Date: 01-10-2019
E
D
Payment End Date: 01-09-2019

Predicted Emi Amount:

Date Closed:05-10-2019
Payment History/Asset Classification

January February March April May June July August September October November December

2019 - - - - - - - - 000 000 - -

- - - - - - - - - - -

13 Account Type: Personal Loan (JALAN CHEMICALS INDUSTRIES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 05-02-2021

High Credit Amount: 2,000 Ownership Indicator: Individual

C
L 0
O
S Date Reported: 04-08-2022 Payment Start Date: 01-08-2022
E
D
Payment End Date: 01-03-2021

Predicted Emi Amount:

Date Closed:04-08-2022

Payment History/Asset Classification

January February March April May June July August September October November December

2022 250 275 306 329 360 390 XXX 000 - - - -

2021 - - XXX XXX 010 032 111 115 148 172 185 229

- - - - - - - - - - -

14 Account Type: Personal Loan (JALAN CHEMICALS INDUSTRIES PRIVATE LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 02-03-2021

High Credit Amount: 2,000 Ownership Indicator: Individual

C
L 0
O
S Date Reported: 04-08-2022 Payment Start Date: 01-08-2022
E
D
Payment End Date: 01-03-2021

Predicted Emi Amount:

Date Closed:04-08-2022

Payment History/Asset Classification

January February March April May June July August September October November December

2022 195 220 251 274 305 335 XXX 000 - - - -

2021 - - XXX XXX XXX XXX 056 060 093 117 130 174

- - - - - - - - - - -

15 Account Type: Personal Loan (JALAN CHEMICALS INDUSTRIES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 12-03-2021

High Credit Amount: 2,000 Ownership Indicator: Individual

C
L 0
O
S Date Reported: 04-08-2022 Payment Start Date: 01-08-2022
E
D
Payment End Date: 01-03-2021

Predicted Emi Amount:

Date Closed:04-08-2022

Payment History/Asset Classification

January February March April May June July August September October November December
2022 245 270 301 324 355 385 XXX 000 - - - -

2021 - - XXX XXX 005 027 106 110 143 167 180 224

- - - - - - - - - - -

16 Account Type: Personal Loan (JALAN CHEMICALS INDUSTRIES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 23-04-2021

High Credit Amount: 1,000 Ownership Indicator: Individual

C
L Last Payment Date: 10-07-2021 0
O
S Date Reported: 31-07-2021 Payment Start Date: 01-07-2021
E
D
Payment End Date: 01-04-2021

Predicted Emi Amount:

Date Closed:10-07-2021

Payment History/Asset Classification

January February March April May June July August September October November December

2021 - - - XXX XXX 014 000 - - - - -

- - - - - - - - - - -

17 Account Type: Personal Loan (ZED LEAFIN PRIVATE LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 09-06-2024

High Credit Amount: 5,000 Ownership Indicator: Individual

C
L Last Payment Date: 13-09-2024 0
O
S Date Reported: 30-09-2024 Payment Start Date: 01-09-2024
E
D
Payment End Date: 01-06-2024

Predicted Emi Amount: 3,200

Date Closed:13-09-2024

Payment Frequency:3,200

Payment History/Asset Classification

January February March April May June July August September October November December

2024 - - - - - 000 000 XXX 000 - - -

- - - - - - - - - - -

18 Account Type: Personal Loan (BRANCH INTERNATIONAL FINANCIAL SERVICES PVT LTD)

Member Short Name: NOT DISCLOSED Date Opened: 01-06-2021

High Credit Amount: 750 Ownership Indicator: Individual

C
L Last Payment Date: 03-08-2021 0
O
S Date Reported: 31-08-2021 Payment Start Date: 01-08-2021
E
D
Payment End Date: 01-06-2021

Predicted Emi Amount:

Date Closed:03-08-2021

Payment History/Asset Classification

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

- - - - - - - - - - -

19 Account Type: Personal Loan (YUVARAJ FINANCE PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 20-07-2023

High Credit Amount: 500 Ownership Indicator: Individual

C
L Last Payment Date: 14-08-2023 0
O
S Date Reported: 30-11-2024 Payment Start Date: 01-08-2023
E
D
Payment End Date: 01-08-2023

Predicted Emi Amount: 644

Date Closed:14-08-2023

Payment Frequency:644

Payment History/Asset Classification

January February March April May June July August September October November December

2023 - - - - - - - XXX - - - -

- - - - - - - - - - -

20 Account Type: JLG Individual (JAYANTH FINANCIAL SERVICES PRIVATE LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 17-08-2023

High Credit Amount: 1,000 Ownership Indicator: Primary

C
L Last Payment Date: 01-09-2023 0
O
S Date Reported: 31-10-2023 Payment Start Date: 01-09-2023
E
D
Payment End Date: 01-08-2023 Credit Limit: 1,000

Predicted Emi Amount: 1,499

Payment Tenure:1

Date Closed:01-09-2023

Payment Frequency:1,499/Monthly

Payment History/Asset Classification

January February March April May June July August September October November December

2023 - - - - - - - 000 000 - - -

- - - - - - - - - - -

21 Account Type: JLG Individual (JAYANTH FINANCIAL SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 08-09-2023

High Credit Amount: 3,000 Ownership Indicator: Primary

C
L Last Payment Date: 04-10-2023 0
O
S Date Reported: 31-10-2023 Payment Start Date: 01-10-2023
E
D
Payment End Date: 01-10-2023 Credit Limit: 3,000

Predicted Emi Amount: 4,498

Payment Tenure:1

Date Closed:04-10-2023

Payment Frequency:4,498/Monthly

Payment History/Asset Classification

 January February March April May June July August September October November December

2023 - - - - - - - - - 000 - -

- - - - - - - - - - -

22 Account Type: Personal Loan (YUVARAJ FINANCE PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 07-10-2023

High Credit Amount: 4,000 Ownership Indicator: Individual

C
L Last Payment Date: 05-11-2023 0
O
S Date Reported: 30-11-2024 Payment Start Date: 01-11-2023
E
D
Payment End Date: 01-11-2023

Predicted Emi Amount: 5,997

Date Closed:05-11-2023

Payment Frequency:5,997

Payment History/Asset Classification

January February March April May June July August September October November December

2023 - - - - - - - - - - XXX -

- - - - - - - - - - -

23 Account Type: Consumer Loan (IDFC)

 Member Short Name: NOT DISCLOSED Date Opened: 11-10-2023

High Credit Amount: 16,780 Ownership Indicator: Individual

C
L Last Payment Date: 16-07-2024 0
O
S Date Reported: 31-07-2024 Payment Start Date: 01-07-2024
E
D
Payment End Date: 01-10-2023

Predicted Emi Amount: 2,066

Payment Tenure:9 Actual Payment Amount:18,650

Suit Filed:No Suit filed Date Closed:23-07-2024

Payment Frequency:2,066/Monthly

Payment History/Asset Classification

January February March April May June July August September October November December

2024 000 000 000 000 000 026 000 - - - - -

2023 - - - - - - - - - 000 000 000

- - - - - - - - - - -

24 Account Type: Personal Loan (YUVARAJ FINANCE PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 04-12-2023

High Credit Amount: 4,000 Ownership Indicator: Individual

C
L Last Payment Date: 27-12-2023 0
O
S Date Reported: 30-11-2024 Payment Start Date: 01-12-2023
E
D
Payment End Date: 01-12-2023

Predicted Emi Amount: 5,997

Date Closed:27-12-2023

Payment Frequency:5,997

Payment History/Asset Classification

 January February March April May June July August September October November December

2023 - - - - - - - - - - - 000

- - - - - - - - - - -

25 Account Type: Personal Loan (YUVARAJ FINANCE PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 01-01-2024

High Credit Amount: 6,000 Ownership Indicator: Individual

C
L Last Payment Date: 30-10-2024 0
O
S Date Reported: 30-11-2024 Payment Start Date: 01-10-2024
E
D
Payment End Date: 01-01-2024

Predicted Emi Amount: 8,997

Date Closed:30-10-2024

Payment Frequency:8,997

Payment History/Asset Classification

January February March April May June July August September October November December

2024 000 000 000 000 000 005 036 067 097 000 - -

- - - - - - - - - - -

26 Account Type: Personal Loan (NORTHERN ARC CAPITAL LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 11-03-2024

High Credit Amount: 5,000 Ownership Indicator: Individual

C
L 0
O
S Date Reported: 31-05-2024 Payment Start Date: 01-05-2024
E
D
Payment End Date: 01-03-2024

Predicted Emi Amount: 1,776

Interest Rate:39.0

Payment Tenure:3

Date Closed:28-05-2024

Payment Frequency:1,776

Payment History/Asset Classification

January February March April May June July August September October November December

2024 - - 000 000 000 - - - - - - -

- - - - - - - - - - -

27 Account Type: Personal Loan (CITRA FINANCIALS PRIVATE LTD)

Member Short Name: NOT DISCLOSED Date Opened: 15-03-2024

High Credit Amount: 5,000 Ownership Indicator: Individual

C
L 0
O
S Date Reported: 30-06-2024 Payment Start Date: 01-06-2024
E
D
Payment End Date: 01-03-2024

Predicted Emi Amount:

Interest Rate:120.0

Date Closed:14-06-2024

Payment History/Asset Classification

 January February March April May June July August September October November December

2024 - - 000 000 000 000 - - - - - -

- - - - - - - - - - -

28 Account Type: Personal Loan (ZED LEAFIN PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 18-03-2024

High Credit Amount: 4,000 Ownership Indicator: Individual

C
L Last Payment Date: 26-03-2024 0
O
S Date Reported: 31-03-2024 Payment Start Date: 01-03-2024
E
D
Payment End Date: 01-03-2024

Predicted Emi Amount: 4,260

Actual Payment Amount:4,160

Suit Filed:No Suit filed Date Closed:26-03-2024

Payment Frequency:4,260

Payment History/Asset Classification

January February March April May June July August September October November December

2024 - - 000 - - - - - - - - -

- - - - - - - - - - -

29 Account Type: Personal Loan (ZED LEAFIN PRIVATE LIMITED)

 Member Short Name: NOT DISCLOSED Date Opened: 27-03-2024

High Credit Amount: 6,000 Ownership Indicator: Individual

C
L Last Payment Date: 03-05-2024 0
O
S Date Reported: 31-05-2024 Payment Start Date: 01-05-2024
E
D
Payment End Date: 01-03-2024

Predicted Emi Amount: 3,990

Actual Payment Amount:7,110

Suit Filed:No Suit filed Date Closed:03-05-2024

Payment Frequency:3,990

Payment History/Asset Classification

January February March April May June July August September October November December

2024 - - 000 XXX 000 - - - - - - -

- - - - - - - - - - -

30 Account Type: Personal Loan (KRAZYBEE SERVICES PRIVATE LIMITED)

Member Short Name: NOT DISCLOSED Date Opened: 01-03-2019

High Credit Amount: 1,500 Ownership Indicator: Individual

C
L Last Payment Date: 17-03-2019 0
O
S Date Reported: 31-03-2019 Payment Start Date: 01-03-2019
E
D
Payment End Date: 01-03-2019

Predicted Emi Amount:

Date Closed:17-03-2019

Payment History/Asset Classification

 January February March April May June July August September October November December

2019 - - XXX - - - - - - - - -

- - - - - - - - - - -

Inquiries (reported for past 24 months)

Member Name Date of Inquiry Purpose Amount

HDFC BANK LTD 16-12-2024 Credit Card 1,000

CITRA FINANCIALS PRIVATE LTD 23-09-2024 OTHER 5,000

FINCFRIENDS PRIVATE LIMITED 22-06-2024 Housing Loan 0

LNT FINANCE 19-05-2024 Consumer Loan 15,000

INNOFIN SOLUTIONS PRIVATE LIMITED 06-04-2024 OTHER 10,000

LNT FINANCE 14-03-2024 OTHER 15,000

RINKPI FINANCE AND CONSULTANTS 13-03-2024 OTHER 2,000

FDPL FINANCE PRIVATE LIMITED 13-03-2024 Personal Loan 0