CONSUMER: GURSEWAK SINGH

DATE:26-03-2015

MEMBER ID: BN01130051

TIME: 11:57:43

MEMBER REFERENCE NUMBER: PSB

CONTROL NUMBER: 81,13,63,605

CONSUMER INFORMATION:
NAME: GURSEWAK SINGH
DATE OF BIRTH: 25-07-1971

GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME

SCORE

SCORING FACTORS

CIBIL TRANSUNION SCORE

VERSION 2.0

576

1: LENGTH OF TIME SINCE MOST RECENT ACCOUNT DELINQUENCY IS TOO SHORT.

2: PRESENCE OF ACCOUNT DELINQUENCY IN THE PAST.
3: NUMBER OF ACTIVE TRADES WITH A BALANCE TOO HIGH IN PROPORTION TO TOTAL

TRADES.
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*
Consumers having less than 6 months credit history*
Consumers not in CIBIL database or with insufficient information for scoring*

:
:
:

300 (high risk) to 900 (low risk)

1 (high risk) to 5 (low risk)
-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

INCOME TAX ID NUMBER (PAN)

CYAPS7320D

VOTER ID NUMBER

PB/13/098/051296

DRIVER'S LICENSE NUMBER

17639

ISSUE DATE

EXPIRATION DATE

TELEPHONE(S):
TELEPHONE TYPE

TELEPHONE NUMBER

NOT CLASSIFIED

01682240522

NOT CLASSIFIED

919814171608

TELEPHONE EXTENSION

EMAIL CONTACT(S):
ADDRESS(ES):
ADDRESS S/O DIAL SINGH VILL MEHAL PO KOTISE KHAN TEHSIL AND DISTT MOGA KOT ISA KHAN PUNJAB 142043
CATEGORY:RESIDENCE ADDRESS

RESIDENCE CODE:OWNED

DATE REPORTED:30-04-2013

ADDRESS VILL MEHAL TEH MOGA DISTT MOGA MOGA HO PUNJAB 142043
CATEGORY:NOT CATEGORIZED

Services provided in association with

RESIDENCE CODE:

DATE REPORTED:30-06-2004

COPYRIGHT 2011 CREDIT INFORMATION BUREAU (INDIA) LIMITED. ALL RIGHTS RESERVED.

PAGE 1 OF 3

CONSUMER: GURSEWAK SINGH

DATE:26-03-2015

MEMBER ID: BN01130051

TIME: 11:57:43

MEMBER REFERENCE NUMBER: PSB

CONTROL NUMBER: 81,13,63,605

EMPLOYMENT INFORMATION :
ACCOUNT TYPE

DATE

OCCUPATION CODE

INCOME

REPORTED

OVERDRAFT

31-01-2015

OTHERS

Not Available

NET / GROSS INCOME

MONTHLY / ANNUAL

INDICATOR

INCOME INDICATOR

Not Available

Not Available

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE

All Accounts

ACCOUNTS

ADVANCES

BALANCES

DATE OPENED

TOTAL: 3

HIGH CR/SANC. AMT: 24,60,448

CURRENT: 3,46,681

RECENT: 17-01-2013

OVERDUE: 30,063

OLDEST: 20-09-2011

OVERDUE: 1
ZERO-BALANCE: 1

ENQUIRIES
ENQUIRY PURPOSE

TOTAL

PAST 30 DAYS

PAST 12 MONTHS

PAST 24 MONTHS

RECENT

07-03-2015

All Enquiries

ACCOUNT(S):
ACCOUNT

DATES

AMOUNTS

STATUS

MEMBER NAME: NOT DISCLOSED

OPENED: 17-01-2013

SANCTIONED: 4,60,000

ACCOUNT NUMBER: NOT

LAST PAYMENT: 28-02-2015

CURRENT BALANCE: 2,94,663

DISCLOSED
TYPE: AUTO LOAN
OWNERSHIP: GUARANTOR

REPORTED AND CERTIFIED:

OVERDUE: 30,063

28-02-2015

EMI: 13,000

PMT HIST START: 01-02-2015

PMT FREQ: MONTHLY

PMT HIST END: 01-01-2013

REPAYMENT TENURE: 47
ACTUAL PAYMENT: 4,60,000

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

081

083

113

082

114

083

083

083

052

052

052

050

019

000

XXX

000

000

000

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

01-14

12-13

11-13

10-13

09-13

000

000

000

000

000

000

000

000

08-13

07-13

06-13

05-13

04-13

03-13

02-13

01-13

ACCOUNT

DATES

AMOUNTS

MEMBER NAME: NOT DISCLOSED

OPENED: 20-09-2011

SANCTIONED: 20,00,000

ACCOUNT NUMBER: NOT

LAST PAYMENT: 29-12-2014

CURRENT BALANCE: 52,018

DISCLOSED
TYPE: OVERDRAFT
OWNERSHIP: INDIVIDUAL

REPORTED AND CERTIFIED:

STATUS

31-01-2015
PMT HIST START: 01-01-2015
PMT HIST END: 01-02-2012

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

Services provided in association with

COPYRIGHT 2011 CREDIT INFORMATION BUREAU (INDIA) LIMITED. ALL RIGHTS RESERVED.

PAGE 2 OF 3

CONSUMER: GURSEWAK SINGH

DATE:26-03-2015

MEMBER ID: BN01130051

TIME: 11:57:43

MEMBER REFERENCE NUMBER: PSB

CONTROL NUMBER: 81,13,63,605

000

000

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

01-15

12-14

11-14

10-14

09-14

08-14

07-14

06-14

05-14

04-14

03-14

02-14

01-14

12-13

11-13

10-13

09-13

08-13

XXX

XXX

XXX

XXX

XXX

XXX

XXX

XXX

000

031

XXX

000

000

000

000

030

XXX

000

07-13

06-13

05-13

04-13

03-13

02-13

01-13

12-12

11-12

10-12

09-12

08-12

07-12

06-12

05-12

04-12

03-12

02-12

ACCOUNT

DATES

AMOUNTS

STATUS

MEMBER NAME: NOT DISCLOSED

OPENED: 28-12-2012

HIGH CREDIT: 448

ACCOUNT NUMBER: NOT

LAST PAYMENT: 29-01-2014

CURRENT BALANCE: 0

DISCLOSED
TYPE: CREDIT CARD
OWNERSHIP: INDIVIDUAL

CLOSED: 27-02-2014
REPORTED AND CERTIFIED:

22-09-2014
PMT HIST START: 01-02-2014
PMT HIST END: 01-03-2011

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

XXX

000

000

000

000

000

000

000

000

000

000

000

000

000

000

02-14

01-14

12-13

11-13

10-13

09-13

08-13

07-13

06-13

05-13

04-13

03-13

02-13

01-13

12-12

ENQUIRIES:
MEMBER

ENQUIRY DATE

ENQUIRY PURPOSE

ENQUIRY AMOUNT

PUNJAB & SIND

07-03-2015

BUSINESS LOAN PRIORITY SECTOR SMALL BUSINESS

25,00,000

NOT DISCLOSED

26-07-2013

OTHER

20,00,000

NOT DISCLOSED

03-09-2012

OTHER

20,00,000

NOT DISCLOSED

13-08-2011

PROPERTY LOAN

20,00,000

NOT DISCLOSED

27-06-2011

PROPERTY LOAN

23,50,000

END OF REPORT ON GURSEWAK SINGH

All information contained in this credit report has been collated by Credit Information Bureau (India) Limited (CIBIL) based on information provided by its
various members ("Members").Consequently CIBIL does not accept any responsibility on the accuracy, completeness, and veracity of any and all such
information as provided.The information is current and up to date to such extent as provided by its Members. Any information contained herein does not
reflect the views of CIBIL or its directors or employees.The use of this report is governed by the terms and conditions of the Operating Rules for CIBIL and
its Members.

Services provided in association with

COPYRIGHT 2011 CREDIT INFORMATION BUREAU (INDIA) LIMITED. ALL RIGHTS RESERVED.

PAGE 3 OF 3