CIBIL

CONSUMER: AJAY BHUSAN BHARDWAJ
DATE:29-12-2014
MEMBER ID: BN01065291
TIME: 17:43:37
MEMBER REFERENCE NUMBER:
CONTROL NUMBER: 77,47,75,091
CONSUMER INFORMATION:
NAME: AJAY BHUSHAN BHARDWAGE
DATE OF BIRTH: 25-12-1965
GENDER: MALE
CIBIL TRANSUNION SCORE(S):

SCORE NAME
SCORE
SCORING FACTORS
CIBIL TRANSUNION SCORE

VERSION 2.0
554
1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.

2: LENGTH OF TIME SINCE MOST RECENT ACCOUNT DELINQUENCY IS TOO SHORT.
3: PRESENCE OF ACCOUNT DELINQUENCY IN THE PAST.
4: NUMBER OF ACTIVE TRADES WITH A BALANCE TOO HIGH IN PROPORTION TO TOTAL
TRADES.
PERSONAL LOAN SCORE
545
1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.

2: OVER DUE AMOUNT TOO HIGH.
3: LOW AVERAGE TRADE AGE.
4: PRESENCE OF DELINQUENCY.
5: NOT ENOUGH AVAILABLE CREDIT.
6: LOW PROPORTION OF SATISFACTORY TRADES.
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
* 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.
POSSIBLE RANGE FOR CIBIL TRANSUNION PERSONAL LOAN SCORE

Consumers with more than 1 month credit history*
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
INCOME TAX ID NUMBER (PAN)
AADPB9953C
ISSUE DATE
EXPIRATION DATE
TELEPHONE(S):
TELEPHONE TYPE
TELEPHONE NUMBER
OFFICE PHONE
26181255
Services provided in association with
TELEPHONE EXTENSION
COPYRIGHT 2011 CREDIT INFORMATION BUREAU (INDIA) LIMITED. ALL RIGHTS RESERVED.
PAGE 1 OF 7
DATE:29-12-2014
TIME: 17:43:37
OFFICE PHONE
09810067190
OFFICE PHONE
09810067190
OFFICE PHONE
09810067190
EMAIL CONTACT(S):
EMAIL ADDRESS
AJAY@OMNICOMP.IN
ADDRESS(ES):
ADDRESS F 128/2 1ST FLOOR MOHAMMADPUR BEHIND BHIKAJI CAMA PLACE NEW DELHI 110066 APO ADDRESS 900000
CATEGORY:OFFICE ADDRESS
RESIDENCE CODE:RENTED
DATE REPORTED:31-07-2014
ADDRESS M 24 THIRD FLOOR LAJPAT NAGAR II DELHI 110024

CATEGORY:NOT CATEGORIZED
RESIDENCE CODE:
ADDRESS F 128/8 MOHD PUR BEHIND BHIKAJI CAMA A PLACE DELHI 110066
CATEGORY:NOT CATEGORIZED
RESIDENCE CODE:
ADDRESS F-128/3 IST FLOOR MOHAMMADPUR BEHIND BHIKAJI KAMA PLACE NEW DELHI DELHI DELHI 110066
CATEGORY:PERMANENT ADDRESS
RESIDENCE CODE:
EMPLOYMENT INFORMATION :
ACCOUNT TYPE
DATE
OCCUPATION CODE
INCOME
REPORTED
CREDIT CARD
30-11-2014
SALARIED
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: 11
HIGH CR/SANC. AMT: 15,38,920
CURRENT: 26,124
RECENT: 22-11-2012
OVERDUE: 5,448
OLDEST: 28-03-2002
OVERDUE: 1
ZERO-BALANCE: 9
ENQUIRIES
ENQUIRY PURPOSE
TOTAL
PAST 30 DAYS
PAST 12 MONTHS
PAST 24 MONTHS
RECENT
21
24-12-2014
All Enquiries
ACCOUNT(S):
ACCOUNT
DATES
AMOUNTS
STATUS
PAGE 2 OF 7
DATE:29-12-2014
TIME: 17:43:37
MEMBER NAME: NOT DISCLOSED
OPENED: 19-05-2007
SANCTIONED: 5,448
WRITTEN OFF /SETTLED STATUS:
ACCOUNT NUMBER: NOT
LAST PAYMENT: 17-08-2007
CURRENT BALANCE: 5,448
WRITTEN-OFF
DISCLOSED
TYPE: OTHER
OWNERSHIP: INDIVIDUAL
REPORTED AND CERTIFIED:
OVERDUE: 5,448
31-10-2014
PMT HIST START: 01-10-2014
PMT HIST END: 01-11-2011
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
150
150
150
150
150
150
150
150
150
146
115
085
XXX
023
000
000
000
000
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
07-13
06-13
05-13
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
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
01-12
12-11
11-11
ACCOUNT
DATES
AMOUNTS
OPENED: 22-11-2012
SANCTIONED: 24,901
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: CONSUMER LOAN
CLOSED: 23-09-2013
REPAYMENT TENURE: 9
STATUS
30-09-2014
STD
09-13
ACCOUNT
DATES
AMOUNTS
OPENED: 07-11-2011
SANCTIONED: 81,010
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: CONSUMER LOAN
CLOSED: 05-10-2012
STATUS
30-11-2014
000
000
000
000
000
000
XXX
000
000
STD
STD
10-12
09-12
08-12
07-12
06-12
05-12
04-12
03-12
02-12
01-12
12-11
ACCOUNT
DATES
AMOUNTS
OPENED: 30-08-2008
SANCTIONED: 1,50,000
ACCOUNT NUMBER: NOT
CLOSED: 22-01-2009
CURRENT BALANCE: 0
DISCLOSED
TYPE: OTHER
EMI: 25,809
31-07-2012
PMT FREQ: MONTHLY
REPAYMENT TENURE: 6
STATUS
PAGE 3 OF 7
DATE:29-12-2014
TIME: 17:43:37
INTEREST RATE: 9.50
STD
07-12
ACCOUNT
DATES
AMOUNTS
STATUS
OPENED: 25-08-2007
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: USED CAR LOAN
CLOSED: 17-11-2010
30-11-2010
000
000
000
000
000
000
000
000
XXX
000
000
000
000
000
000
000
000
000
11-10
10-10
09-10
08-10
07-10
06-10
05-10
04-10
03-10
02-10
01-10
12-09
11-09
10-09
09-09
08-09
07-09
06-09
XXX
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
05-09
04-09
03-09
02-09
01-09
12-08
11-08
10-08
09-08
08-08
07-08
06-08
05-08
04-08
03-08
02-08
01-08
12-07
ACCOUNT
DATES
AMOUNTS
STATUS
OPENED: 01-08-2005
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: AUTO LOAN
CLOSED: 12-07-2008
31-07-2008
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
07-08
06-08
05-08
04-08
03-08
02-08
01-08
12-07
11-07
10-07
09-07
08-07
07-07
06-07
05-07
04-07
03-07
02-07
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
STD
01-07
12-06
11-06
10-06
09-06
08-06
07-06
06-06
05-06
04-06
03-06
02-06
01-06
12-05
11-05
10-05
09-05
08-05
ACCOUNT
DATES
AMOUNTS
OPENED: 03-06-2005
HIGH CREDIT: 2,284
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: CREDIT CARD
OWNERSHIP: AUTHORISED USER
CLOSED: 31-05-2008
STATUS
18-07-2011
PAGE 4 OF 7
DATE:29-12-2014
TIME: 17:43:37
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
05-08
04-08
03-08
02-08
01-08
12-07
11-07
10-07
09-07
08-07
07-07
06-07
05-07
04-07
03-07
02-07
01-07
12-06
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
000
11-06
10-06
09-06
08-06
07-06
06-06
05-06
04-06
03-06
02-06
01-06
12-05
11-05
10-05
09-05
08-05
07-05
ACCOUNT
DATES
AMOUNTS
STATUS
OPENED: 01-07-2004
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 0
DISCLOSED
TYPE: AUTO LOAN
CLOSED: 26-05-2007
29-11-2014
000
05-07
ACCOUNT
DATES
AMOUNTS
STATUS
OPENED: 26-01-2003
HIGH CREDIT: 5,277
ACCOUNT NUMBER: NOT
CLOSED: 24-02-2007
CURRENT BALANCE: 0
DISCLOSED
TYPE: CREDIT CARD
PMT FREQ: MONTHLY
30-11-2014
000
000
000
000
000
000
009
000
000
000
000
000
000
000
000
XXX
000
000
02-07
01-07
12-06
11-06
10-06
09-06
08-06
07-06
06-06
05-06
04-06
03-06
02-06
01-06
12-05
11-05
10-05
09-05
000
000
000
XXX
XXX
000
000
000
XXX
XXX
000
08-05
07-05
06-05
05-05
04-05
03-05
02-05
01-05
12-04
11-04
10-04
ACCOUNT
DATES
AMOUNTS
STATUS
OPENED: 28-03-2002
HIGH CREDIT: 75,000
ACCOUNT NUMBER: NOT
CURRENT BALANCE: 20,676
DISCLOSED
TYPE: CREDIT CARD
31-10-2014
000
000
000
000
000
000
000
000
000
000
000
000
000
030
015
000
000
015
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
07-13
06-13
05-13
000
000
000
000
000
000
015
000
000
015
000
015
000
000
000
000
000
000
PAGE 5 OF 7
DATE:29-12-2014
TIME: 17:43:37
04-13
03-13
02-13
01-13
12-12
11-12
10-12
09-12
08-12
07-12
06-12
05-12
ACCOUNT
DATES
AMOUNTS
OPENED: 19-06-2007
CURRENT BALANCE: 0
ACCOUNT NUMBER: NOT
CLOSED: 25-06-2010
CREDIT LIMIT: 1,00,000
DISCLOSED
TYPE: CREDIT CARD
CASH LIMIT: 30,000
30-11-2014
PMT FREQ: MONTHLY
04-12
03-12
02-12
01-12
12-11
11-11
STATUS

XXX
XXX
XXX
000
000
000
06-10
05-10
04-10
03-10
02-10
01-10
ENQUIRIES:
MEMBER
ENQUIRY DATE
ENQUIRY PURPOSE
ENQUIRY AMOUNT
NOT DISCLOSED
24-12-2014
BUSINESS LOAN GENERAL
25,00,000
NOT DISCLOSED
04-08-2014
CREDIT CARD
1,00,000
NOT DISCLOSED
02-08-2014
CREDIT CARD
1,00,000
NOT DISCLOSED
26-07-2014
CREDIT CARD
1,50,000
NOT DISCLOSED
25-07-2014
CREDIT CARD
1,50,000
NOT DISCLOSED
07-07-2014
OTHER
60,000
NOT DISCLOSED
09-11-2012
CONSUMER LOAN
27,900
NOT DISCLOSED
25-05-2012
OTHER
50,00,000
NOT DISCLOSED
16-04-2012
PROPERTY LOAN
50,00,000
NOT DISCLOSED
09-01-2012
PROPERTY LOAN
50,00,000
NOT DISCLOSED
23-10-2011
CONSUMER LOAN
1,00,000
NOT DISCLOSED
18-03-2011
AUTO LOAN
5,00,000
NOT DISCLOSED
20-07-2009
CREDIT CARD
50,000
NOT DISCLOSED
25-04-2009
OTHER
20,000
NOT DISCLOSED
04-12-2008
OTHER
60,000
NOT DISCLOSED
21-07-2008
OTHER
50,000
NOT DISCLOSED
09-04-2008
OTHER
50,000
PAGE 6 OF 7
DATE:29-12-2014
TIME: 17:43:37
MEMBER
ENQUIRY DATE
ENQUIRY PURPOSE
ENQUIRY AMOUNT
NOT DISCLOSED
09-08-2007
AUTO LOAN
NOT DISCLOSED
07-08-2007
OTHER
10,000
NOT DISCLOSED
11-05-2007
OTHER
40,000
NOT DISCLOSED
30-05-2006
PERSONAL LOAN
6,00,000
1,00,000
END OF REPORT ON AJAY BHUSAN BHARDWAJ
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.
PAGE 7 OF 7

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CONSUMER: AJAY BHUSAN BHARDWAJ

MEMBER ID: BN01065291

MEMBER REFERENCE NUMBER:

CONTROL NUMBER: 77,47,75,091

CIBIL TRANSUNION SCORE(S):

CIBIL TRANSUNION SCORE

1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.

PERSONAL LOAN SCORE

1: ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.

POSSIBLE RANGE FOR CIBIL TRANSUNION SCORE VERSION 2.0

300 (high risk) to 900 (low risk)

POSSIBLE RANGE FOR CIBIL TRANSUNION PERSONAL LOAN SCORE

300 (high risk) to 900 (low risk)

INCOME TAX ID NUMBER (PAN)

Services provided in association with

CONSUMER: AJAY BHUSAN BHARDWAJ

MEMBER ID: BN01065291

MEMBER REFERENCE NUMBER:

CONTROL NUMBER: 77,47,75,091

ADDRESS M 24 THIRD FLOOR LAJPAT NAGAR II DELHI 110024

NET / GROSS INCOME

HIGH CR/SANC. AMT: 15,38,920

Services provided in association with

CONSUMER: AJAY BHUSAN BHARDWAJ

MEMBER ID: BN01065291

MEMBER REFERENCE NUMBER:

CONTROL NUMBER: 77,47,75,091

MEMBER NAME: NOT DISCLOSED

WRITTEN OFF /SETTLED STATUS:

ACCOUNT NUMBER: NOT

LAST PAYMENT: 17-08-2007

CURRENT BALANCE: 5,448

REPORTED AND CERTIFIED:

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

MEMBER NAME: NOT DISCLOSED

ACCOUNT NUMBER: NOT

LAST PAYMENT: 23-09-2013

REPORTED AND CERTIFIED:

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

MEMBER NAME: NOT DISCLOSED

ACCOUNT NUMBER: NOT

LAST PAYMENT: 05-10-2012

REPORTED AND CERTIFIED:

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

MEMBER NAME: NOT DISCLOSED

ACCOUNT NUMBER: NOT

REPORTED AND CERTIFIED:

PMT FREQ: MONTHLY

PMT HIST START: 01-07-2012

Services provided in association with

CONSUMER: AJAY BHUSAN BHARDWAJ

MEMBER ID: BN01065291

MEMBER REFERENCE NUMBER:

CONTROL NUMBER: 77,47,75,091

PMT HIST END: 01-07-2012

INTEREST RATE: 9.50

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

MEMBER NAME: NOT DISCLOSED

ACCOUNT NUMBER: NOT

LAST PAYMENT: 15-11-2010