0 Notes 190511 075317 bd6

CONSUMER CIR
CONSUMER: SHUVAJOY CHAKRABORTY DATE:08-05-2019
MEMBER ID: BN01180794 TIME: 06:24:22
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428
CONSUMER INFORMATION:
NAME: SHUVAJOY CHAKRABORTY
DATE OF BIRTH: 24-12-1986 GENDER: MALE
CIBIL TRANSUNION SCORE(S):
SCORE NAME SCORE SCORING FACTORS
CREDITVISION® SCORE
745 1:
2:
PRESENCE OF SEVERE DELINQUENCY
HIGH PROPORTION OF OUTSTANDING TRADES
3: HIGH BALANCE BUILD-UP ON NON-MORTGAGE LOANS
4: PAYMENT MADE IN PROPORTION TO TOTAL CARD BALANCE OUTSTANDING IS
LOW
5:
PERSONAL LOAN SCORE

763 1:
2:
LOW AVERAGE TRADE AGE.
PRESENCE OF A HIGH NUMBER OF ENQUIRIES.
3: LOW PROPORTION OF SATISFACTORY TRADES.
4: CREDIT CARD BALANCES ARE HIGH IN PROPORTION TO HIGH CREDIT AMOUNT.
5: TOO FEW SATISFACTORY BANKCARD ACCOUNTS.
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.
IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE
INCOME TAX ID NUMBER (PAN) AQXPC8705D
© 2019 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 7
TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22
VOTER ID NUMBER UBL1203546
DRIVER'S LICENSE NUMBER 755668860077
UNIVERSAL ID NUMBER (UID) 755668860077
TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION
OFFICE PHONE(e) 8811004337
MOBILE PHONE(e) 9051648090
OFFICE PHONE 8240580569
MOBILE PHONE 8240580569
EMAIL CONTACT(S):
EMAIL ADDRESS
[email protected]
[email protected]
ADDRESS(ES):
(e)
ADDRESS :S/O BIJOY CHAKRABORTY , NU-MANS PARK , PO-PAILAN HAT , CHAK RAJU MOLLA , CHAK RAJUMOLLA , SOUTH 24 WEST
BENGAL 700104
CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:01-05-2019
(e)
ADDRESS :KOLKATA KOLKATA KOLKATA WEST BENGAL 700104
(e)
ADDRESS :785001 785001 785001 JORHAT ASSAM 785001
(e)
ADDRESS :NUMANS PARK WEST BENGAL 700104
CATEGORY:PERMANENT ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:08-04-2019

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22
EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR
PERSONAL LOAN 15-04-2019 SALARIED Not Available Not Available Not Available
SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED
All Accounts TOTAL: 11 HIGH CR/SANC. AMT: 31,09,385 CURRENT: 10,82,290 RECENT: 17-01-2019
OVERDUE: 0 OVERDUE: 0 OLDEST: 08-04-2016
ZERO-BALANCE: 5
ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT
All Enquiries 19 10 4 5 06-05-2019
ACCOUNT(S):
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: UNITED BANK OPENED: 17-01-2019 SANCTIONED: 3,00,000

ACCOUNT NUMBER: 0794306727914 LAST PAYMENT: 31-03-2019 CURRENT BALANCE: 2,75,179
TYPE: PERSONAL LOAN REPORTED AND CERTIFIED: EMI: 6,323
OWNERSHIP: INDIVIDUAL 15-04-2019 PMT FREQ: MONTHLY
PMT HIST START: 01-04-2019 REPAYMENT TENURE: 60
PMT HIST END: 01-01-2019 INTEREST RATE: 9.65
ACTUAL PAYMENT: 6,500
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
STD STD STD STD

04-19 03-19 02-19 01-19

ACCOUNT NUMBER: 0794250030667 REPORTED AND CERTIFIED: CURRENT BALANCE: 90,000
TYPE: OTHER 31-12-2018 INTEREST RATE: 8.85
OWNERSHIP: JOINT PMT HIST START: 01-12-2018
COLLATERAL VALUE: 110000 PMT HIST END: 01-12-2018
COLLATERAL TYPE: PROPERTY

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22
STD
12-18
MEMBER NAME: NOT DISCLOSED OPENED: 20-04-2018 HIGH CREDIT: 70,275

ACCOUNT NUMBER: NOT LAST PAYMENT: 24-02-2019 CURRENT BALANCE: 57,728
DISCLOSED REPORTED AND CERTIFIED: CREDIT LIMIT: 80,000
TYPE: CREDIT CARD 08-03-2019 CASH LIMIT:
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-03-2019
PMT HIST END: 01-05-2018
000 000 000 000 000 000 000 000 000 000 000
03-19 02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18
MEMBER NAME: UNITED BANK OPENED: 17-04-2018 HIGH CREDIT: 64,162

ACCOUNT NUMBER: LAST PAYMENT: 27-03-2019 CURRENT BALANCE: 27,292
6528780003705008 REPORTED AND CERTIFIED: CREDIT LIMIT: 1,48,754
TYPE: CREDIT CARD 31-03-2019 CASH LIMIT: 29,751
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-03-2019 PMT FREQ: MONTHLY
000 000 000 000 000 000 000 000 000 000 000
03-19 02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18

ACCOUNT NUMBER: 0794306727057 LAST PAYMENT: 28-02-2019 CURRENT BALANCE: 0
TYPE: PERSONAL LOAN CLOSED: 28-03-2019 EMI: 6,323
OWNERSHIP: INDIVIDUAL REPORTED AND CERTIFIED: PMT FREQ: MONTHLY
31-03-2019 REPAYMENT TENURE: 60
PMT HIST START: 01-03-2019 INTEREST RATE: 9.65
PMT HIST END: 01-12-2017 ACTUAL PAYMENT: 43,617
SMA SMA STD STD STD STD STD STD STD STD STD STD STD STD STD STD
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

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22

TYPE: AUTO LOAN REPORTED AND CERTIFIED: PMT FREQ: MONTHLY
OWNERSHIP: INDIVIDUAL 31-07-2018 REPAYMENT TENURE: 120
COLLATERAL VALUE: 478669 PMT HIST START: 01-07-2018 INTEREST RATE: 9.65
COLLATERAL TYPE: PROPERTY PMT HIST END: 01-08-2017 ACTUAL PAYMENT: 3,600
STD XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX STD
07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17 09-17 08-17

ACCOUNT NUMBER: 0136300078029 CLOSED: 13-04-2017 CURRENT BALANCE: 0
TYPE: CONSUMER LOAN REPORTED AND CERTIFIED: PMT FREQ: QUARTERLY
OWNERSHIP: INDIVIDUAL 30-06-2017
COLLATERAL TYPE: NO COLLATERAL PMT HIST START: 01-06-2017
STD STD STD

06-17 05-17 04-17

TYPE: CONSUMER LOAN REPORTED AND CERTIFIED: PMT FREQ: QUARTERLY
OWNERSHIP: INDIVIDUAL 31-03-2017 REPAYMENT TENURE: 60
STD STD STD

03-17 02-17 01-17

TYPE: PERSONAL LOAN REPORTED AND CERTIFIED: PMT FREQ: QUARTERLY
OWNERSHIP: INDIVIDUAL 31-07-2018 INTEREST RATE: 8.800
STD XXX STD SMA XXX XXX XXX XXX STD XXX XXX STD STD STD STD STD STD STD

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22
07-18 06-18 05-18 04-18 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
STD
01-17

TYPE: OVERDRAFT REPORTED AND CERTIFIED: PMT FREQ: QUARTERLY
OWNERSHIP: INDIVIDUAL 30-06-2017
STD STD STD STD

06-17 05-17 04-17 03-17

TYPE: OTHER REPORTED AND CERTIFIED: PMT FREQ: QUARTERLY
OWNERSHIP: INDIVIDUAL 30-12-2017 INTEREST RATE: 9.00
XXX XXX 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
ENQUIRIES:
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 06-05-2019 PERSONAL LOAN 5,00,000
NOT DISCLOSED 05-05-2019 PERSONAL LOAN 50,000

CONSUMER CIR
MEMBER ID: BN01180794 TIME: 06:24:22
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
UNITED BANK 08-04-2019 CONSUMER LOAN 5,00,000
NOT DISCLOSED 01-04-2019 CONSUMER LOAN 50,000
NOT DISCLOSED 17-04-2018 CREDIT CARD 10,000
UNITED BANK 10-04-2018 CREDIT CARD 30,000
UNITED BANK 23-05-2017 BUSINESS LOAN - 15,00,000

PRIORITY SECTOR -
SMALL BUSINESS
END OF REPORT ON SHUVAJOY CHAKRABORTY
All information ("Information") contained in this credit information report (CIR) is the current and up to date information collated by TransUnion CIBIL
Limited based on information provided by its various members ("Members"). By accessing and using the Information, the user acknowledges and
accepts the following: While TransUnion CIBIL takes reasonable care in preparing the CIR, TransUnion CIBIL shall not be responsible for errors and/or
omissions caused by inaccurate or inadequate information submitted to it. However, TransUnion CIBIL shall take reasonable steps to ensure accurate
reproduction of the information submitted by the Members and, to the extent statutorily permitted, it shall correct any such inaccuracies in the CIR. Further,
TransUnion CIBIL does not guarantee the adequacy or completeness of the information and/or its suitability for any specific purpose nor is TransUnion
CIBIL responsible for any access or reliance on the CIR. The CIR is not a recommendation by TransUnion CIBIL to any Member to (i) lend or not to lend;
(ii) enter into or not to enter into any financial transaction with the concerned individual/entity. Credit Scores do not form part of the CIR. The use of the CIR
is governed by the provisions of the Credit Information Companies (Regulation) Act, 2005, the Credit Information Companies Regulations, 2006, Credit
Information Companies Rules, 2006 and the terms and conditions of the Operating Rules for TransUnion CIBIL and its Members.

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CONSUMER CIR

CONSUMER: SHUVAJOY CHAKRABORTY DATE:08-05-2019

MEMBER ID: BN01180794 TIME: 06:24:22

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428

DATE OF BIRTH: 24-12-1986 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

PERSONAL LOAN SCORE

POSSIBLE RANGE FOR CREDITVISION® SCORE

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

POSSIBLE RANGE FOR PERSONAL LOAN SCORE

INCOME TAX ID NUMBER (PAN) AQXPC8705D

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN01180794 TIME: 06:24:22

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428

VOTER ID NUMBER UBL1203546

DRIVER'S LICENSE NUMBER 755668860077

UNIVERSAL ID NUMBER (UID) 755668860077

OFFICE PHONE(e) 8811004337

MOBILE PHONE(e) 9051648090

OFFICE PHONE 8240580569

MOBILE PHONE 8240580569

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:01-05-2019

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:28-04-2019

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:17-04-2019

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:08-04-2019

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN01180794 TIME: 06:24:22

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428

OVERDUE: 0 OVERDUE: 0 OLDEST: 08-04-2016

All Enquiries 19 10 4 5 06-05-2019

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 17-01-2019 SANCTIONED: 3,00,000

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

STD STD STD STD

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 19-12-2018 SANCTIONED: 1,00,000

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN01180794 TIME: 06:24:22

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428

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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 20-04-2018 HIGH CREDIT: 70,275

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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 17-04-2018 HIGH CREDIT: 64,162

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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 08-12-2017 SANCTIONED: 3,00,000

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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 18-08-2017 SANCTIONED: 4,30,000

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN01180794 TIME: 06:24:22

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,89,40,23,428

ACCOUNT NUMBER: 0136300078755 LAST PAYMENT: 31-07-2018 CURRENT BALANCE: 3,57,800

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

ACCOUNT DATES AMOUNTS STATUS