CREDIT REPORT
CLIENT ID: DATE: 2025-03-20
REPORT ORDER NO.:1851830159 TIME: 14:21:10
REFERENCE NUMBER: 76e287a3aa9f0d628f71f11bc0cda1cf
Consumer Name: HARMESH SINGH
Personal Information Identification Contact Details
Previous Name: PAN: LAOPS1259Q Home:
Alias Name: Voter ID: Office:
DOB: 1992-08-21 Passport ID: Mobile: 9988364691
Age: 32 Years 0 Months UID: XXXXXXXXXXXX Alt. Home/Other No.:
Gender: Male Driver's License: Alt. Office:
Total Income: Rs. 50001 Ration Card: Alt. Mobile: 8572000143
Occupation: Photo Credit Card: Email:
[email protected] ID - Other:
Consumer Address:
Type Address State Postal Date Reported
Primary SO BHAGVAN SINGH WARD NO 6 GHAGGA PB 147102 2025-02-28
Owns 101 BLOCK NO 05 BHIRDHANA NEAR KAMBOJ HR 125050 2025-01-31
DHARMSHALA BIRDHANA 139 FATEHABAD
FATEHABAD HR IN 125050 HARYANA FATEHABAD
INDIA
Primary WARD NO6 GHAGGA MAIN ROAD NEAR PB 147102 2025-01-31
GURUDWARA AKALGARH SAHIB PATIALA
Primary S/O BHAGVAN SINGH WARD NO 6 GHAGGA PB 147102 2024-12-29
PATIALA NEAR POWER HOUSE GHAGGA
- S/O SH BHAGVAN SINGH C/O ACE COOLING PB 160062 2024-08-31
SOLUTIONS PLOT NO 1235 SEC 82 JLPL MOHALI
Score:
Name Value
ERS4.0 427
Recent Activity :
Recent Activity (last 90 days)
Total Inquiries : 0 Accounts opened: 0 Accounts Updated: 4 Accounts Delinquent: 4
Summary*:
Credit Report Summary
Number of Accounts : 6 Total Balance Amount : Rs. 616891.00 Recent Account : 27-06-2024
Number of Open Accounts : 4 Total Past Due Amount : Rs. 26444.00 Oldest Account : 17-12-2019
Number of Past Due Accounts : 2 Total High Credit : Rs. 103732.00 Total Credit Limit : Rs. 95000.0
Number of Write-off Accounts : 0 Total Sanction Amount : Rs. 502000.00 Single Highest Credit : Rs. 57519.00
Number of Zero Balance Total Monthly Payment Single Highest Sanction
Accounts : 0 Amount : Rs. 2080.00 Amount : Rs. 500000.00
Most Severe Status < 24 Months
:
Average Open Balance : Rs. 154222.75 Single Highest Balance : Rs. 508100.00
*As per data reported at a tradeline level in the account details section
Account Details:
Accounts
Acct # XXXXXXXXXXXXXXX4905
Institution : SBI Cards and Payment Balance : Rs. 45464 Open : Yes
Services Ltd
Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2025-03-01
Type : Credit Card
Last Payment : Rs. 4471 Last Payment Date : 2025-01-28 Date Opened : 2022-07-11
Ownership Type : Individual
Write-off Amount : Rs. - Sanction Amount : Rs.- Date Closed : -
Repayment Tenure : -
Institution Type: - Credit Limit : Rs. 55000 Reason : -
Dispute Code : -
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Current Account
Term Frequency : Monthly Collateral Type : -
Acct # XXXXXXXXXX0650
Institution : Punjab and Sind Bank
Type : Mudra Loans - Shishu / Kishor / Balance : Rs. 508100 Open : Yes
Tarun Past Due Amount : Rs. 0 Interest Rate : - Date Reported : 2025-02-28
Ownership Type : Joint Account Last Payment : Rs. 5000 Last Payment Date : 2025-01-13 Date Opened : 2024-01-11
Repayment Tenure : - Write-off Amount : Rs. - Sanction Amount : Rs.500000 Date Closed : -
Dispute Code : - Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.- Collateral Value : Rs.800000 Account status : Current Account
Term Frequency : - Collateral Type : Others
Acct # XXXXXXXXXXXXXXX9919
Institution : HDFC Bank Limited
Balance : Rs. 44223 Open : Yes
Type : Credit Card
Past Due Amount : Rs. 7340 Interest Rate : - Date Reported : 2025-03-15
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2025-02-28 Date Opened : 2019-12-17
Repayment Tenure : -
Write-off Amount : Rs. - Sanction Amount : Rs.- Date Closed : -
Dispute Code : -
Institution Type: - Credit Limit : Rs. 40000 Reason : -
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : 30-59 days past due
Term Frequency : - Collateral Type : -
Acct # XXXXXXXXXXX4270
Institution : Muthoot Fincorp Ltd.
Balance : Rs. 0 Open : No
Type : Gold Loan
Past Due Amount : Rs. 0 Interest Rate : 0.16 Date Reported : 2024-10-06
Ownership Type : Individual
Last Payment : Rs. - Last Payment Date : 2024-09-30 Date Opened : 2024-06-27
Repayment Tenure : 13
Write-off Amount : Rs. - Sanction Amount : Rs.340250 Date Closed : 2024-10-01
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : Bullet Payment Collateral Type : -
Acct # XXXXXXXXX0197
Institution : Canara Bank
Balance : Rs. 0 Open : No
Type : Personal Loan
Past Due Amount : Rs. - Interest Rate : 11 Date Reported : 2024-08-31
Ownership Type : Individual
Last Payment : Rs. 6 Last Payment Date : 2024-08-06 Date Opened : 2021-07-06
Repayment Tenure : 36
Write-off Amount : Rs. - Sanction Amount : Rs.25000 Date Closed : 2024-08-13
Dispute Code : -
Institution Type: - Credit Limit : Rs. - Reason : Closed Account
Monthly Payment Amount :Rs.- Collateral Value : Rs.- Account status : Closed Account
Term Frequency : - Collateral Type : -
Acct # X10CE
Institution : PayMe India Financial
Services Private Limited Balance : Rs. 19104 Open : Yes
Type : Personal Loan Past Due Amount : Rs. 19104 Interest Rate : 3 Date Reported : 2025-02-28
Ownership Type : Individual Last Payment : Rs. 2080 Last Payment Date : 2023-07-17 Date Opened : 2023-05-30
Repayment Tenure : 1 Write-off Amount : Rs. - Sanction Amount : Rs.2000 Date Closed : -
Dispute Code : - Institution Type: - Credit Limit : Rs. - Reason : -
Monthly Payment Amount :Rs.2080 Collateral Value : Rs.- Account status : 540-719 days past due
Term Frequency : - Collateral Type : -
Enquiry Summary:
Purpose Total Past 30 Days Past 12 Months Past 24 Months Recent
ALL 6 0 0 2 2023-07-28
Enquiries :
Institution Date Purpose Amount
HDFC Bank Limited 2023-07-28 10 1000
Indusind Bank Limited 2023-04-19 10 1
Glossary, Terms and Explanations:
History:
Code Description
000 current account
CLSD Paid or closed account/zero balance
NEW New Account
LNSB Loan Submitted
LAND Loan Approved - Not yet disbursed
INAC Account is Inactive
CON Contact Member for Status
01+ 1-29 days past due
30+ 30-59 days past due
DEC Loan Declined
60+ 60-89 days past due
SPM Special Mention
SUB Sub-standard
RES Restructured Loan
RGM Restructured Loan - Govt Mandate
RNC Restructured Loan - Natural Calamity
SET Settled
SF Suit Filed
90+ 90-119 days past due
120+ 120-179 days past due
180+ 180-359 days past due
360+ 360-539 days past due
540+ 540-719 days past due
720+ 720 or more days past due
DBT Doubtful
FPD First Payment Default
WDF Willful Default
PWOS Post Written Off Settled
WOF Charge Off/Written Off
Non-Delnqt Non-Delinquent
STD Standard
SUB Sub-standard
DBT Doubtful
LOSS Loss
SPM Special Mention Account
SFR Suit Filed-Restructured
SF Suit Filed
WDF Willful Default
SFWD Suit Filed-Willful Default
WOF Written Off
SFWO Suit Filed and Written Off
WDWO Willful Default and Written Off
Suit Filed, Willful Default and Written
SWDW
Off
SET Settled
* Data Not Reported
RCV Restructured Due to COVID19
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