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CONSUMER CIR

CONSUMER: PANKAJ DAS DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 10:53:25


MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,00,406

CONSUMER INFORMATION:
NAME: PANKAJ ... DAS S/O SRI SANTARAM DAS

DATE OF BIRTH: 11-09-1988 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CIBIL TRANSUNION SCORE


VERSION 2.0 632 1: LENGTH OF TIME SINCE MOST RECENT ACCOUNT DELINQUENCY IS TOO SHORT.
2: NUMBER OF ACTIVE TRADES WITH A BALANCE TOO HIGH IN PROPORTION TO TOTAL
TRADES.
3: PRESENCE OF ACCOUNT DELINQUENCY IN THE PAST.
4: LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED IS TOO SHORT.

POSSIBLE RANGE FOR CIBIL TRANSUNION SCORE VERSION 2.0

Consumers with more than 6 months credit history* : 300 (high risk) to 900 (low risk)
Consumers having less than 6 months credit history* : 1 (high risk) to 5 (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) AWBPD4652L

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

NOT CLASSIFIED 9957080295

MOBILE PHONE 918256030713

MOBILE PHONE 9957000764

OFFICE PHONE 9577225517

EMAIL CONTACT(S):

ADDRESS(ES):

ADDRESS(e):GOLAGHAT GOLAGHAT, GOLAGHAT TLK, GOLAGHAT DIST ASSAM 785621

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:30-12-2017

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 5

TransUnion CIBIL CIN : U72300MH2000PLC128359


CONSUMER CIR
CONSUMER: PANKAJ DAS DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 10:53:25


MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,00,406

ADDRESS:ADD ASSAM 785612

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:29-02-2016

ADDRESS:KURUBAHI GAON PO- CHINAKON CHARIALI NEAR L P SCHOOL GOLAGHAT ASSAM 785612

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:31-10-2014

ADDRESS:C/O SHRI SANTARAM DAS VILLKURUABAHI NAGAYA PAR POCHINAKON CHAR GOLAGHAT DISTRICT GOLAGHAT ASSAM
785615

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:11-11-2013

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

KISAN CREDIT CARD 28-02-2018 OTHERS Not Available Not Available Not Available

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

All Accounts TOTAL: 8 HIGH CR/SANC. AMT: 15,44,078 CURRENT: 2,35,700 RECENT: 18-10-2014
OVERDUE: 0 OVERDUE: 0 OLDEST: 23-10-2009
ZERO-BALANCE: 2

ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

All Enquiries 3 0 1 0 30-12-2017

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 18-10-2014 SANCTIONED: 60,500


ACCOUNT NUMBER: NOT LAST PAYMENT: 07-02-2018 CURRENT BALANCE: 60,063
DISCLOSED REPORTED AND CERTIFIED: INTEREST RATE: 7.00
TYPE: KISAN CREDIT CARD 28-02-2018 ACTUAL PAYMENT: 2,000
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-02-2018
COLLATERAL VALUE: 35066 PMT HIST END: 01-03-2015
COLLATERAL TYPE: PROPERTY

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 XXX STD STD STD STD
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 09-16

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 2 OF 5

TransUnion CIBIL CIN : U72300MH2000PLC128359


CONSUMER CIR
CONSUMER: PANKAJ DAS DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 10:53:25


MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,00,406

STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
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 06-15 05-15 04-15 03-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 09-10-2013 SANCTIONED: 3,04,289


ACCOUNT NUMBER: 0794306724032 LAST PAYMENT: 09-01-2018 CURRENT BALANCE: 41,892
TYPE: COMMERCIAL VEHICLE REPORTED AND CERTIFIED: EMI: 5,071
LOAN 31-01-2018 PMT FREQ: MONTHLY
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-01-2018 REPAYMENT TENURE: 60
COLLATERAL VALUE: 381289 PMT HIST END: 01-01-2018 INTEREST RATE: 12.15
COLLATERAL TYPE: PROPERTY

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

STD
01-18

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 09-10-2013 SANCTIONED: 3,04,289


ACCOUNT NUMBER: 0794306724032 LAST PAYMENT: 09-12-2017 CURRENT BALANCE: 40,846
TYPE: MUDRA LOANS - SHISHU / REPORTED AND CERTIFIED: EMI: 5,071
KISHOR / TARUN 30-12-2017 PMT FREQ: MONTHLY
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-12-2017 REPAYMENT TENURE: 60
COLLATERAL VALUE: 381289 PMT HIST END: 01-10-2014 INTEREST RATE: 12.15
COLLATERAL TYPE: PROPERTY ACTUAL PAYMENT: 20,000

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

STD 021 114 083 STD STD STD STD STD STD STD STD STD STD STD STD STD STD
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 09-16 08-16 07-16

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

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 17-01-2013 SANCTIONED: 45,000


ACCOUNT NUMBER: NOT LAST PAYMENT: 31-03-2018 CURRENT BALANCE: 58,418
DISCLOSED REPORTED AND CERTIFIED:
TYPE: BUSINESS LOAN - PRIORITY 31-03-2018
SECTOR - AGRICULTURE PMT HIST START: 01-03-2018
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-04-2015
COLLATERAL VALUE: 50000
COLLATERAL TYPE: PROPERTY

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

STD STD STD STD STD STD STD STD STD STD STD 491 461 430 402 STD STD STD
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

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 3 OF 5

TransUnion CIBIL CIN : U72300MH2000PLC128359


CONSUMER CIR
CONSUMER: PANKAJ DAS DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 10:53:25


MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,00,406

STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
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 06-15 05-15 04-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 13-10-2012 SANCTIONED: 5,00,000


ACCOUNT NUMBER: NOT LAST PAYMENT: 31-10-2012 CURRENT BALANCE: 0
DISCLOSED CLOSED: 20-11-2012 EMI: 11,313
TYPE: BUSINESS LOAN - PRIORITY REPORTED AND CERTIFIED: REPAYMENT TENURE: 46
SECTOR - AGRICULTURE 10-01-2014
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-11-2012
PMT HIST END: 01-12-2009

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

000 STD
11-12 10-12

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 15-05-2012 SANCTIONED: 3,05,000


ACCOUNT NUMBER: NOT LAST PAYMENT: 30-12-2016 CURRENT BALANCE: 8,794
DISCLOSED CLOSED: 11-01-2017 EMI: 10,100
TYPE: COMMERCIAL VEHICLE REPORTED AND CERTIFIED: PMT FREQ: MONTHLY
LOAN 31-01-2017 REPAYMENT TENURE: 47
OWNERSHIP: GUARANTOR PMT HIST START: 01-01-2017 INTEREST RATE: 17.12
COLLATERAL TYPE: PROPERTY PMT HIST END: 01-02-2014 ACTUAL PAYMENT: 4,75,167

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

000 000 233 203 172 202 233 202 233 202 202 XXX 204 203 172 142 111 XXX
01-17 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

050 050 020 019 020 017 020 020 019 020 050 051 081 080 081 109 079 079
07-15 06-15 05-15 04-15 03-15 02-15 01-15 12-14 11-14 10-14 09-14 08-14 07-14 06-14 05-14 04-14 03-14 02-14

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 12-10-2011 SANCTIONED: 25,000


ACCOUNT NUMBER: NOT LAST PAYMENT: 04-03-2016 CURRENT BALANCE: 25,687
DISCLOSED REPORTED AND CERTIFIED:
TYPE: BUSINESS LOAN - PRIORITY 31-01-2018
SECTOR - OTHERS PMT HIST START: 01-01-2018
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-10-2016

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
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

ACCOUNT DATES AMOUNTS STATUS

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 4 OF 5

TransUnion CIBIL CIN : U72300MH2000PLC128359


CONSUMER CIR
CONSUMER: PANKAJ DAS DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 10:53:25


MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,00,406

MEMBER NAME: NOT DISCLOSED OPENED: 23-10-2009 CURRENT BALANCE: 0


ACCOUNT NUMBER: NOT CLOSED: 16-01-2013 INTEREST RATE: 1.00
DISCLOSED REPORTED AND CERTIFIED:
TYPE: BUSINESS LOAN - PRIORITY 31-12-2016
SECTOR - AGRICULTURE PMT HIST START: 01-12-2016
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-12-2016

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

STD
12-16

ENQUIRIES:

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 30-12-2017 AUTO LOAN 1,63,000

UNITED BANK 09-10-2013 BUSINESS LOAN - 5,00,000


GENERAL

NOT DISCLOSED 12-05-2012 COMMERCIAL VEHICLE 3,06,000


LOAN

END OF REPORT ON PANKAJ DAS

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.

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 5 OF 5

TransUnion CIBIL CIN : U72300MH2000PLC128359

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