SGQK 009FZ04426 NA 2153448921, 2153448923 CCR 1 17-09-2025 10:20:12 10 0E Mrs. madhu kol Mrs. madhu kol W/O ajay kumar H Patharauda jawa jila reewa Mp MP 486223 Patharauda jawa jila reewa Mp MP 486223 8305368625 M 1999-09-16 1 XXXXXXXXXXXX 8305368625 101 101 MADHU KOL 1999-01-01 Female 26 25000 2025-08-29 MMBPK3382C XCI3665239 20096956245270 VILLAGE PATHDOURA PATHRAUDA TEONTHAR REWA DADARI MP 486223 N/A VILLAGE PATHDOURA PATHRAUDA TEONTHAR REWA DADARI WB 486223 N/A VILL AND PO,PATHDOURA TEH JAWA REWA MP MP 486223 Rents,Primary VILLAGE PATHDOURA PATHRAUDA TEONTHAR REWA DADARI MP 486223 N/A VILL AND PO,PATHDOURA TEH JAWA REWA MP MP 486223 Rents,Primary 8305368625 25000 6150 2 1 82265.00 6320.00 1 4360.00 1 62962.00 1 13040.00 Two-Wheeler Loan on 29-07-2024 82370.00 0.00 Two-Wheeler Loan on 29-07-2024 0.00 88 1 1 0 19303.00 Microfinance - Personal Loan on 15-07-2024 1960.00 0.00 1 40000 40000 Microfinance - Personal Loan on 15-07-2024 0.00 0 1 ********** FINANCE Two-Wheeler Loan Individual 62962 13040 4360 Yes 82370 2025-08-31 2024-07-29 24 4360 Monthly 60-89 days past due 60+ 88 * * 60+ 88 * * 60+ 87 * * 30+ 57 * * 01+ 26 * * 01+ 27 * * 000 0 * * 000 0 * * 000 0 * * 000 0 * * 000 0 * * 000 0 * * 000 0 * * NEW 0 * * 88 MADHU KOL 01-01-1999 Female XCI3665239 VILLAGE PATHDOURA PATHRAUDA TEONTHAR REWA DADARI MP 486223 8305368625 3421790491 25000 1355SBR00169 19303 VFS Capital Limited 0 40000 JLG Individual BUSINESS 40000 2025-09-12 2025-09-12 2024-07-15 1 2024-07-15 2024-07-05 40000 52 Bi-weekly 980 AJAY KOL Husband AJAY KOL Husband Current Account 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 NEW 0 1355 13550128 0 C 40000 29 0 The entire information contained in this report is furnished by various Credit Institutions/members ("Members"), which is neither controlled nor subjected to any alteration by Equifax Credit Information Services Private Limited (ECIS). ECIS by using its proprietary search match logic tools, in compliance with the CIC Laws has collated the information and has generated this report. ECIS provides this report on a best effort basis and does not guarantee the timelines, correctness or completeness of the information contained therein. The use of this report will be governed by the terms and conditions accepted by You or as per Membership Agreement entered by the Member with ECIS. Lending decisions are taken by Members/Credit Institutions who access these reports and may differ from Member to Member. ECIS doesn’t tell a lender whether they should offer credit or not to its customer/borrower– it is solely for the lender to decide. MFI.Microfinance Risk Score MRS 803 103 Sanction Amount 106 Max cycle across all MFIs RTL.ERS4.0 4.0 ERS 643 500 Occurances of delinquent account 502 Overdue Amount 504 Sanction Amount on Derog trades XML/HTML2153448921_2153448923.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   17-09-2025
REPORT ORDER NO.:   2153448921, 2153448923TIME:   10:20:12
REFERENCE NUMBER:   NA
 

Consumer Name: MADHU

Personal Information
Previous Name:  
Alias Name:  
DOB:   01-01-1999
Age:   26   Years   8   Months
Gender:   Female
Monthly Family Income : Rs.25,000
Income - Reported Date : 2025-08-29
Occupation:  
Identification
PAN:   MMBPK3382C
Voter ID:   XCI3665239
Passport ID:  
UID:  
Driver's License:  
Ration Card:  
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:   20096956245270
Contact Details
Home: 
Office: 
Mobile:  8305368625
Alt. Home/Other No.: 
Alt. Office: 
Alt. Mobile: 
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   VILLAGE PATHDOURA PATHRAUDA TEONTHA R REWA DADARI   MP   486223   29-08-2025  
N/A   VILLAGE PATHDOURA PATHRAUDA TEONTHA R REWA DADARI   WB   486223   15-08-2025  
N/A   VILL AND PO PATHDOURA TEH JAWA REW A MP   MP   486223   30-06-2025  
N/A   VILLAGE PATHDOURA PATHRAUDA TEONTHA R REWA DADARI   MP   486223   03-01-2025  
N/A   VILL AND PO PATHDOURA TEH JAWA REW A MP   MP   486223   15-12-2024  
 

Equifax Score(s):

Score NameScoreScoring Factors
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

803

1 . Sanction Amount
2 . Max cycle across all MFIs
Equifax Risk Score 4.0

643

1 . Occurances of delinquent account
2 . Overdue Amount
3 . Sanction Amount on Derog trades
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 2 Number of Past Due Accounts: 1 Total Outstanding Balance: Rs. 82,265
Total Installment Amount: 6320.00 No. of 60+ DPD Accounts: 0 Total Outstanding Balance 60+ DPD Accounts: 0
Total Unsecured Outstanding Balance: 0
RETAIL
Number of Open Accounts: 1 Number of Past Due Accounts: 1 Total Outstanding Balance: Rs. 62,962
Total Accounts:1 Total Past Due Amount: Rs. 13,040 Recent Account: on Two-Wheeler Loan on 29-07-2024
Total Sanction Amount: Rs. 82,370 Total High Credit: 0 Oldest Account: on Two-Wheeler Loan on 29-07-2024
Max Days Past Due: 88 Total Write-Off Amount: 0.00 Number Of Loans With Reported EMI: 1
Installment Amount: Rs. 4,360 No. of 60+ DPD Accounts::  Total Outstanding Balance 60+ DPD Accounts:
Total Unsecured Outstanding Balance:
MICROFINANCE
Number of Open Accounts: 1 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 19,303
Recent Account: on Microfinance - Personal Loan on 15-07-2024 Installment Amount: Rs. 1,960 Total Past Due Amount: 0
Total Accounts:1 Total Sanction Amount: Rs. 40,000 Total High Credit: Rs. 40,000
Max Days Past Due: 0 Total Write-Off Amount: 0.00 Number Of Loans With Reported EMI: 1
No. of Active Lenders:  No. of 60+ DPD Accounts:  Total Outstanding Balance 60+ DPD Accounts:
Oldest Account: on Microfinance - Personal Loan on 15-07-2024 No. of 60+ DPD Accounts with Outstanding > 3000 each:

 

Account Details:

Accounts
RETAIL
Acct # **********
Institution : FINANCE
Type : Two-Wheeler Loan
Ownership Type : Individual
DaysPastDue : 88		Balance : Rs.62,962
Past Due Amount : Rs.13,040
Last Payment : Rs.4,360
Write-off Amount :
Institution Type:
MaxDaysPastDue : 		Open : Yes
Interest Rate :
Last Payment Date :
Sanction Amount : Rs.82,370
FirstDaysPastDueDate : 		Date Reported : 31-08-2025
Date Opened : 29-07-2024
Date Closed :
Reason :
Repayment Tenure : 24
Dispute Code : 		Payment Amount : Rs.4,360
Term Frequency : Monthly		Credit Limit :
Branch Id :
Kendra ID : 		Collateral Value :
Collateral Type :
Account status : 60-89 days past due
Asset Classification :
Suit Filed Status :
History 48 Months
Account Status : 60+60+60+30+01+01+000000000000000000000NEW
Asset Classification :**************
Suit Filed Status :**************
Days Past Due :088088087057026027000000000000000000000000
08 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 24
MICROFINANCE
Name: MADHU KOL
Ration Card: 		DOB: 01-01-1999
UID: 		Gender: Female
PAN: 		VoterID: XCI3665239
OtherID:
Address: VILLAGE PATHDOURA PATHRAUDA TEONTHAR REW A DADARIState: MPPostal: 486223
Monthly Family Income: Rs.25,000
Acct # 1355SBR00169
Institution : VFS Capital Limited
Loan Category : JLG Individual
Loan Purpose : BUSINESS
DaysPastDue : 0		Current Balance : Rs.19,303
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.40,000
Last Payment Date : 12-09-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 12-09-2025
Date Opened : 15-07-2024
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 52
Key Person Name : AJAY KOL
Dispute Code : 		Repayment Frequency : Bi-weekly
Installment Amount : Rs.980
Key Person Relationship : Husband
Branch Id : 1355
Kendra ID : 13550128		Sanction Amount : Rs.40,000
Applied Amount : Rs.40,000
Nominee Name : AJAY KOL		Date Sanctioned : 15-07-2024
Date Applied : 05-07-2024
Nominee Relationship : Husband
History 24 Months : 000000000000000000000000000000000000000000NEW
Days Past Due :000000000000000000000000000000000000000000000
09 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 24
 

Enquiries :

InstitutionDateTimePurposeAmount
 
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mrs. madhu kol
Consumer's First Name:   Mrs. madhu kol
Husband :  W/O ajay kumar
DOB:   16-09-1999
Gender:   Female
Inquiry / Request Purpose:   JLG Group
Member ID / Unique Account Number:  
Transaction Amount:  
Inquiry Account 1:  
Inquiry Account 2:  
Inquiry Account 3:  
Inquiry Account 4:  
ID & Phone Numbers
PAN:  
Voter ID:  
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration ID:  
ID - Other:  
ID - Other:  
Home Phone : 
Mobile Phone :  8305368625
Other Phone : 
Contact Details
Address Information 1 :
Address: Patharauda jawa jila reewa Mp
State: MP
Postal: 486223
Address Information 2 :
Address:
State:
Postal:
Address Information 3 :
Address:
State:
Postal:
Branch ID:  
Kendra / Centre ID:  
 

Glossary, Terms and Explanations:

 
History: 
Code Description
000current account
CLSDPaid or closed account/zero balance
NEWNew Account
LNSBLoan Submitted
LANDLoan Approved - Not yet disbursed
INACAccount is Inactive
CONContact Member for Status
01+1-29 days past due
30+30-59 days past due
DECLoan Declined
60+60-89 days past due
SPMSpecial Mention
SUBSub-standard
RESRestructured Loan
RGMRestructured Loan - Govt Mandate
RNCRestructured Loan - Natural Calamity
SETSettled
SFSuit 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
DBTDoubtful
FPDFirst Payment Default
WDF Willful Default
PWOSPost Written Off Settled
WOF Charge Off/Written Off
Non-Delnqt Non-Delinquent
STDStandard
SUBSub-standard
DBTDoubtful
LOSSLoss
SPMSpecial Mention Account
SFRSuit Filed-Restructured
SFSuit Filed
WDFWillful Default
SFWDSuit Filed-Willful Default
WOFWritten Off
SFWOSuit Filed and Written Off
WDWOWillful Default and Written Off
SWDWSuit Filed, Willful Default and Written Off
SETSettled
*Data Not Reported
RCVRestructured Due to COVID19
RCRestructured and Closed
PWOSPost Write Off Settled
PWOCPost Write Off Closed
ASAuctioned and Settled
RPSRepossessed and Settled
GIGuarantee Invoked
CANCancelled
01Account Ownership Disputed
02Account Status Disputed
03Account Balance Disputed
04Account Ownership Type Disputed
05Account Needs to be closed
06Account History Disputed
07Suit Filed / Willful Status Disputed
08Asset Classification Status Disputed
09Sanction Amount Disputed
10Name Correction Requested
11Address information Disputed
12DOB Disputed
13Contact Number Disputed
14Gender Flag Disputed
15Total Income Disputed
16Occupation Disputed
17Pan Information Disputed
18Voter Information Disputed
19Passport Information Disputed
20Driver's License information Disputed
21State Code Disputed
22Date closed Disputed
23Credit Limit Disputed
24Write-off / Settled Amount Disputed
25Loan / Credit Type Disputed
26Collateral Details Disputed
27Email Id Disputed
28MFI - Loan Category Disputed
29MFI - Repayment Frequency Disputed
30MFI - Installment Amount Disputed
31MFI - Key Person Name Disputed
32Dispute Closed
 
 
Contact Us:           Phone: 1800 209 3247     Fax: +91-22-6112-7950     Email: ecissupport@equifax.com

The entire information contained in this report is furnished by various Credit Institutions/members ("Members"), which is neither controlled nor subjected to any alteration by Equifax Credit Information Services Private Limited (ECIS). ECIS by using its proprietary search match logic tools, in compliance with the CIC Laws has collated the information and has generated this report. ECIS provides this report on a best effort basis and does not guarantee the timelines, correctness or completeness of the information contained therein. The use of this report will be governed by the terms and conditions accepted by You or as per Membership Agreement entered by the Member with ECIS. Lending decisions are taken by Members/Credit Institutions who access these reports and may differ from Member to Member. ECIS doesn’t tell a lender whether they should offer credit or not to its customer/borrower– it is solely for the lender to decide.

]]>