CIBIL Score & Report
Control Number : 8,98,68,30,890
Date : 19/04/2025
Hello, NAGARATHNA M
Your CIBIL Score is 667 as of Date : 19/04/2025
300 900
667
CIBIL Score is a 3 digit numeric summary of your credit history & ranges from 300 to 900.
This section reflects your CIBIL Score, which is widely used by loan providers to evaluate loan
applications. Your score ranges between 300 and 900, and is calculated based on the
information available in the "Accounts" and "Enquiry"section of your CIBIL Report. The closer
your score is to 900, the more confidence the lender will have in your ability to repay the loan.
Higher your score, the better chances of your application getting approved.
Please note in some cases you might be displayed a CIBIL Score of "NH" which indicates one
of the following 3 things:
1. You have a credit card or loan account, but no credit activity in the last three years.
2. Lenders may have made enquiries, but you do not have any credit activity.
3. You only have add-on credit cards, and no credit exposure.
PERSONAL DETAILS
Name
NAGARATHNA M
Date Of Birth Gender
02/11/1978 Female
IDENTIFICATION DETAILS
Identification Type
Income Tax ID Number (PAN)
ID Number
APFPM7184M
Issue Date Expiry Date
-- --
Identification Type
Voter ID Number
ID Number
WEC5015672***
Issue Date Expiry Date
-- --
Identification Type
CKYC
ID Number
50097140490714
Issue Date Expiry Date
-- --
ADDRESS DETAILS
Address
NO 32B 4TH PHASE AVVERAHA LLI DOBASAPETE INDUSTRIAL AREA 6407
Karnataka 562111
Category
Not Categorized
Residence Code
Date Reported
31/01/2024
Address
#29 7TH CROSS MUKAMBIKANAGAR HOSKERA HALLI BANJALORESOUTH
BANASANKARI 111 STAGE Karnataka 560085
Category
Residence Address
R id C d
Residence Code
Date Reported
18/01/2024
Address
29 7TH CROSS MUKAMBIKANAGAR HOSKERAHALLI BSK III Karnataka
560085
Category
Residence Address
Residence Code
Owned
Date Reported
31/12/2023
Address
NO 9 7TH CRS MUKAMBIKA NAGARA HOSAKEREHALLI BSK 3RD STAGE NR
MUKAMBIKA TEMPL BANGALORE Karnataka 560085
Category
Permanent Address
Residence Code
Owned
Date Reported
22/09/2020
CONTACT DETAILS
Telephone Number Type
Not Classified
Telephone Number
919845356085
Telephone Extension
--
Telephone Number Type
Mobile Phone
Telephone Number
919845356085
Telephone Extension
--
Telephone Number Type
Mobile Phone
Telephone Number
9945366085
Telephone Extension
--
EMAIL DETAILS
Email ID
GOWRISHANKARMN@REDIFF.COM
EMPLOYMENT DETAILS
Account Type Date Reported
Gold Loan 21/12/2024
Occupation Income
Salaried -
Monthly / Annual Income Indicator Net / Gross Income Indicator
- -
ALL ACCOUNTS
OPEN ACCOUNTS
Member Name
AXIS BANK
Account Type
Credit Card
Account Number
1570000000595395
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
₹2,42,000
High Credit
₹ 1,61,962
Current Balance
₹1,00,137
Cash Limit
₹72,600
Amount Overdue
₹47,090
Rate of Interest
--
Repayment Tenure
--
EMI Amount
--
Payment Frequency
--
Actual Payment Amount
--
Date Opened / Disbursed
27/06/2022
Date Closed
--
Date of Last Payment
11/03/2025
Date Reported And Certified
31/03/2025
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
Written-off
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/06/2022
Payment End Date
01/03/2025
Payment History
Mar 2025 506
Feb 2025 475
Jan 2025 447
Dec 2024 416
Nov 2024 385
Oct 2024 355
Sep 2024 324
Aug 2024 293
Jul 2024 263
Jun 2024 231
May 2024 202
Apr 2024 171
Mar 2024 140
Feb 2024 110
Jan 2024 81
Dec 2023 63
Nov 2023 32
Oct 2023 32
Sep 2023 0
Aug 2023 0
Jul 2023 0
Jun 2023 0
May 2023 63
Apr 2023 32
Mar 2023 2
Feb 2023 0
Jan 2023 33
Dec 2022 0
Nov 2022 0
Oct 2022 63
Sep 2022 32
Aug 2022 0
Jul 2022 0
Jun 2022 0
STD: Standard
DBT:Doubtful
###: Number of days past due
SMA:Special Mention account
LSS:Loss
XXX: Not Reported
SUB:Substandard
Member Name
AXIS BANK
Account Type
Credit Card
Account Number
089000000329956
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
₹2,42,000
High Credit
₹ 2,88,309
Current Balance
₹2,31,830
Cash Limit
₹9,400
Amount Overdue
₹1,17,383
Rate of Interest
--
Repayment Tenure
--
EMI Amount
--
Payment Frequency
--
Actual Payment Amount
--
Date Opened / Disbursed
24/06/2015
Date Closed
--
Date of Last Payment
19/02/2025
Date Reported And Certified
31/03/2025
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
Written-off
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/04/2022
Payment End Date
01/03/2025
Payment History
Mar 2025 498
Feb 2025 467
Jan 2025 439
Dec 2024 408
Nov 2024 377
Oct 2024 347
Sep 2024 316
Aug 2024 285
Jul 2024 255
Jun 2024 223
May 2024 207
Apr 2024 176
Mar 2024 146
Feb 2024 115
Jan 2024 86
Dec 2023 84
Nov 2023 85
Oct 2023 86
Sep 2023 83
Aug 2023 53
Jul 2023 85
Jun 2023 85
May 2023 55
Apr 2023 24
Mar 2023 0
Feb 2023 0
Jan 2023 0
Dec 2022 0
Nov 2022 24
Oct 2022 55
Sep 2022 24
Aug 2022 0
Jul 2022 0
Jun 2022 0
May 2022 0
Apr 2022 0
STD: Standard
DBT:Doubtful
###: Number of days past due
SMA:Special Mention account
LSS:Loss
XXX: Not Reported
SUB:Substandard
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PF00001948
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
Sanctioned Amount
₹ 1,52,700
Current Balance
₹1,56,583
Cash Limit
--
Amount Overdue
--
Rate of Interest
9.00%
Repayment Tenure
12
EMI Amount
₹1,52,700
Payment Frequency
Monthly
Actual Payment Amount
--
Date Opened / Disbursed
20/12/2024
Date Closed
--
Date of Last Payment
20/12/2024
Date Reported And Certified
08/04/2025
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/12/2024
Payment End Date
01/04/2025
Payment History
Apr 2025 0
Mar 2025 0
Feb 2025 0
Jan 2025 0
Dec 2024 0
STD: Standard
DBT:Doubtful
###: Number of days past due
SMA:Special Mention account
LSS:Loss
XXX: Not Reported
SUB:Substandard
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PF00001568
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
Sanctioned Amount
₹ 5,47,500
Current Balance
₹5,87,120
Cash Limit
--
Amount Overdue
--
Rate of Interest
9.00%
Repayment Tenure
12
EMI Amount
₹5,47,500
Payment Frequency
Monthly
Actual Payment Amount
--
Date Opened / Disbursed
26/06/2024
Date Closed
--
Date of Last Payment
27/06/2024
Date Reported And Certified
08/04/2025
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/06/2024
Payment End Date
01/04/2025
Payment History
Apr 2025 0
Mar 2025 0
Feb 2025 0
Jan 2025 0
Dec 2024 0
Nov 2024 0
Oct 2024 0
Sep 2024 0
Aug 2024 0
Jul 2024 0
Jun 2024 0
STD: Standard
DBT:Doubtful
###: Number of days past due
SMA:Special Mention account
LSS:Loss
XXX: Not Reported
SUB:Substandard
CLOSED ACCOUNTS
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PA00000511
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹97,000
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
9.00%
Repayment Tenure
12
EMI Amount
₹97,000
Payment Frequency
Monthly
Actual Payment Amount
₹1,05,111
Date Opened / Disbursed
08/12/2023
Date Closed
20/12/2024
Date of Last Payment
20/12/2024
Date Reported And Certified
31/12/2024
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/12/2023
Payment End Date
01/12/2024
Payment History
Dec 2024 0
Nov 2024 0
Oct 2024 0
Sep 2024 0
Aug 2024 0
Jul 2024 0
Jun 2024 0
May 2024 0
Apr 2024 0
Mar 2024 0
Feb 2024 0
Jan 2024 0
Dec 2023 0
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PF00001382
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹44,000
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
9.25%
Repayment Tenure
12
EMI Amount
₹44,000
Payment Frequency
Monthly
Actual Payment Amount
₹44,223
Date Opened / Disbursed
08/12/2023
Date Closed
20/12/2024
Date of Last Payment
20/12/2024
Date Reported And Certified
31/12/2024
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/12/2023
Payment End Date
01/12/2024
Payment History
Dec 2024 0
Nov 2024 0
Oct 2024 0
Sep 2024 0
Aug 2024 0
Jul 2024 0
Jun 2024 0
May 2024 0
Apr 2024 0
Mar 2024 0
Feb 2024 0
Jan 2024 0
Dec 2023 0
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
CHOLA INVST FIN
Account Type
Commercial Vehicle Loan
Account Number
XVFPNMG00005984987
Ownership
Joint
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹9,32,250
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
--
Repayment Tenure
--
EMI Amount
--
Payment Frequency
--
Actual Payment Amount
--
Date Opened / Disbursed
11/09/2023
Date Closed
13/02/2024
Date of Last Payment
20/12/2023
Date Reported And Certified
30/09/2024
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/01/2024
Payment End Date
01/09/2024
Payment History
Sep 2024 0
Aug 2024 XXX
Jul 2024 XXX
Jun 2024 XXX
May 2024 XXX
Apr 2024 XXX
Mar 2024 XXX
Feb 2024 0
Jan 2024 0
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PA00000087
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹2,00,000
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
8.85%
Repayment Tenure
12
EMI Amount
₹2,00,000
Payment Frequency
Monthly
Actual Payment Amount
₹2,00,561
Date Opened / Disbursed
19/06/2023
Date Closed
26/06/2024
Date of Last Payment
26/06/2024
Date Reported And Certified
30/06/2024
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/06/2023
Payment End Date
01/06/2024
Payment History
Jun 2024 0
May 2024 0
Apr 2024 0
Mar 2024 0
Feb 2024 0
Jan 2024 0
Dec 2023 0
Nov 2023 0
Oct 2023 0
Sep 2023 0
Aug 2023 0
Jul 2023 0
Jun 2023 0
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
PNB
Account Type
Gold Loan
Account Number
593500PF00001258
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹1,27,843
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
9.25%
Repayment Tenure
12
EMI Amount
₹1,27,000
Payment Frequency
Monthly
Actual Payment Amount
₹1,27,332
Date Opened / Disbursed
19/06/2023
Date Closed
26/06/2024
Date of Last Payment
26/06/2024
Date Reported And Certified
30/06/2024
Value of Collateral
--
Type of Collateral
--
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/06/2023
Payment End Date
01/06/2024
Payment History
Jun 2024 0
May 2024 0
Apr 2024 0
Mar 2024 0
Feb 2024 0
Jan 2024 0
Dec 2023 0
Nov 2023 0
Oct 2023 0
Sep 2023 0
Aug 2023 0
Jul 2023 0
Jun 2023 0
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
SBI
Account Type
Gold Loan
Account Number
00000040800032116
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹2,08,000
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
7.00%
Repayment Tenure
12
EMI Amount
₹2,23,184
Payment Frequency
--
Actual Payment Amount
--
Date Opened / Disbursed
21/02/2022
Date Closed
19/06/2023
Date of Last Payment
23/05/2023
Date Reported And Certified
30/06/2023
Value of Collateral
--
Type of Collateral
Gold
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/02/2022
Payment End Date
01/06/2023
Payment History
Jun 2023 STD
May 2023 900
Apr 2023 89
Mar 2023 59
Feb 2023 29
Jan 2023 STD
Dec 2022 STD
Nov 2022 STD
Oct 2022 STD
Sep 2022 STD
Aug 2022 STD
Jul 2022 STD
Jun 2022 STD
May 2022 STD
Apr 2022 STD
Mar 2022 STD
Feb 2022 STD
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
Member Name
SBI
Account Type
Personal Loan
Account Number
00000039904064641
Ownership
Individual
ACCOUNT DETAILS
Credit Limit
--
High Credit
₹2,31,000
Current Balance
--
Cash Limit
--
Amount Overdue
--
Rate of Interest
8.00%
Repayment Tenure
12
EMI Amount
₹2,48,278
Payment Frequency
--
Actual Payment Amount
₹20,000
Date Opened / Disbursed
31/12/2020
Date Closed
21/02/2022
Date of Last Payment
08/02/2022
Date Reported And Certified
28/02/2022
Value of Collateral
--
Type of Collateral
Gold
Suit - Filed / Willful Default
--
Credit Facility Status
--
Written-off Amount (Total)
--
Written-off Amount (Principal)
--
Settlement Amount
--
PAYMENT STATUS
Payment Start Date
01/12/2020
Payment End Date
01/02/2022
Payment History
Feb 2022 STD
Jan 2022 59
Dec 2021 29
Nov 2021 STD
Oct 2021 STD
Sep 2021 STD
Aug 2021 STD
Jul 2021 STD
Jun 2021 STD
May 2021 STD
Apr 2021 STD
Mar 2021 STD
Feb 2021 STD
Jan 2021 STD
Dec 2020 STD
STD: Standard
DBT: Doubtful
###: Number of Days Past Due
SMA: Special Mention Account
SUB: Substandard
LSS: Loss
XXX: Not Reported
ENQUIRY DETAILS
Member Name
SMALLFIN
Date Of Enquiry
31/01/2025
Enquiry Purpose
Consumer Loan
Member Name
BAJAJ FIN LTD
Date Of Enquiry
21/10/2024
Enquiry Purpose
Consumer Loan
Member Name
IOB
Date Of Enquiry
08/10/2024
Enquiry Purpose
Housing Loan
Member Name
INDIAN BANK
Date Of Enquiry
07/10/2024
Enquiry Purpose
Housing Loan
Member Name
PNB
Date Of Enquiry
25/06/2024
Enquiry Purpose
Other
Member Name
IIFL
Date Of Enquiry
09/02/2024
Enquiry Purpose
Property Loan
Member Name
MUTHOOTNAN
Date Of Enquiry
09/01/2024
Enquiry Purpose
Personal Loan
Member Name
AMBIT
Date Of Enquiry
12/09/2023
Enquiry Purpose
Consumer Loan
Member Name
CHOLA INVST FIN
Date Of Enquiry
11/09/2023
Enquiry Purpose
Auto Loan Personal
Member Name
CHOLA INVST FIN
Date Of Enquiry
24/08/2023
Enquiry Purpose
Auto Loan Personal
End of report
Disclaimer: 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.
In case of any discrepancy in Personal / Account Information pertaining to Loan Accounts /
Credit Cards, concerned Financial Institutions / Credit Card Company (CCC) may also please be
contacted for required clarification.
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