SGQK 009FZ04426 NA 2176702924, 2176702925 CCR 1 29-09-2025 10:05:34 10 0E Mrs. nidhi gupta Mrs. nidhi gupta W/O prabhakar gupta H Chilla post teonther jila reewa Mp MP 486220 Chilla post teonther jila reewa Mp MP 486220 8269694050 M 2001-09-28 1 XXXXXXXXXXXX 8269694050 101 101 NIDHI GUPTA 2000-06-15 Female 25 HOUSEWIFE 15000 2025-07-31 ENJPG7035R XXXXXXXXXXXX 60071535071944 C/O PRABHAKAR GUPTA TEONTHAR TEONTHAR 181 GRAM CHILLA REWA REWA MP 486220 N/A GRAM CHILLA81 MADHYA PRADESH MP 486220 N/A C O PRABHAKAR GUPTA 181 TEONTHAR GRAM CHILLA REWA MP 486220 N/A C O PRABHAKAR GUPTA 181 TEONTHAR REWA MP 486220 N/A C O PRABHAKAR GUPTA 181 TEONTHAR GRAM CHILLA REWA MP 486220 N/A 918269694050 918269694050 7999327084 M001 -1 HOUSEWIFE 15000 0 BUSINESS - RETAIL 10000 1 0 33954.00 2430.00 1 0 33954.00 Microfinance - Personal Loan on 05-02-2025 2430.00 0.00 2 45000 45000 Microfinance - Personal Loan on 15-07-2024 0.00 0 1 Shri Ram Finance Corporation Pvt Ltd 2025-05-16 14:13 00 Village Financial Services Pvt Ltd 2024-11-04 14:56 0E NIDHI GUPTA 15-06-2000 Female XXXXXXXXXXXX C/O PRABHAKAR GUPTA TEONTHAR TEONTHAR 181 GRAM CHILLA REWA REWA MP 486220 918269694050 918269694050 3814765984 15000 75057705897114 33954 Federal Bank Limited 0 45000 JLG Individual NON FARM 45000 2025-09-04 2025-09-15 2025-02-05 2025-02-05 45000 24 Monthly 2430 GAYATRI DEVI Mother Current Account 000 0 000 0 000 0 000 0 000 0 000 0 000 0 7505 7505 0 NIDHI GUPTA 15-06-2000 Female ENJPG7035R C O PRABHAKAR GUPTA 181 TEONTHAR GRAM CHILLA REWA MP 486220 7999327084 3423988321 10000 90001248273510 0 Bandhan Bank Limited 0 50000 JLG Individual GROCERY STATIONARY 50000 2025-02-20 2025-04-15 2024-07-15 2025-02-20 10 50000 48 Weekly 1158 PRABHAKAR GUPTA Other Closed Account CLSD 0 CLSD 0 CLSD 0 000 0 000 0 000 0 000 0 000 0 000 0 NEW 0 1611 1246400147 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 825 106 Max cycle across all MFIs 103 Sanction Amount XML/HTML2176702924_2176702925.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   29-09-2025
REPORT ORDER NO.:   2176702924, 2176702925TIME:   10:05:34
REFERENCE NUMBER:   NA
 

Consumer Name: NIDHI

Personal Information
Previous Name:  
Alias Name:  
DOB:   15-06-2000
Age:   25   Years   3   Months
Gender:   Female
Monthly Family Income : Rs.15,000
Income - Reported Date : 2025-07-31
Occupation:   HOUSEWIFE
Identification
PAN:   ENJPG7035R
Voter ID:  
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration Card:  
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:   60071535071944
Contact Details
Home:  918269694050
Office: 
Mobile: 
Alt. Home/Other No.: 
Alt. Office: 
Alt. Mobile:  918269694050 , 7999327084
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   C/O PRABHAKAR GUPTA TEONTHAR TEONTH AR 181 GRAM CHILLA REWA REWA   MP   486220   31-07-2025  
N/A   GRAM CHILLA81 MADHYA PRADESH   MP   486220   31-07-2025  
N/A   C O PRABHAKAR GUPTA 181 TEONTHAR GR AM CHILLA REWA   MP   486220   15-01-2025  
N/A   C O PRABHAKAR GUPTA 181 TEONTHAR RE WA   MP   486220   15-01-2025  
N/A   C O PRABHAKAR GUPTA 181 TEONTHAR GR AM CHILLA REWA   MP   486220   30-12-2024  
 

Equifax Score(s):

Score NameScoreScoring Factors
Equifax Risk Score - Retail

-1
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

825

1 . Max cycle across all MFIs
2 . Sanction Amount
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 1 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 33,954
Total Installment Amount: 2430.00 No. of 60+ DPD Accounts: 0 Total Outstanding Balance 60+ DPD Accounts: 0
Total Unsecured Outstanding Balance:
RETAIL
Number of Open Accounts:  Number of Past Due Accounts:  Total Outstanding Balance:
Total Accounts: Total Past Due Amount:    Recent Account:
Total Sanction Amount:  Total High Credit:    Oldest Account:
Max Days Past Due:  Total Write-Off Amount:  Number Of Loans With Reported EMI:
Installment Amount:  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. 33,954
Recent Account: on Microfinance - Personal Loan on 05-02-2025 Installment Amount: Rs. 2,430 Total Past Due Amount: 0
Total Accounts:2 Total Sanction Amount: Rs. 45,000 Total High Credit: Rs. 45,000
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
MICROFINANCE
Name: NIDHI GUPTA
Ration Card: 		DOB: 15-06-2000
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID:
OtherID:
Address: C/O PRABHAKAR GUPTA TEONTHAR TEONTHAR 18 1 GRAM CHILLA REWA REWAState: MPPostal: 486220
Monthly Family Income: Rs.15,000
Acct # 75057705897114
Institution : Federal Bank Limited
Loan Category : JLG Individual
Loan Purpose : NON FARM
DaysPastDue : 0		Current Balance : Rs.33,954
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.45,000
Last Payment Date : 04-09-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 15-09-2025
Date Opened : 05-02-2025
Date Closed :
Date Written Off :
Loan Cycle ID :
No. of Installments : 24
Key Person Name : GAYATRI DEVI
Dispute Code : 		Repayment Frequency : Monthly
Installment Amount : Rs.2,430
Key Person Relationship : Mother
Branch Id : 7505
Kendra ID : 7505		Sanction Amount : Rs.45,000
Applied Amount : Rs.45,000
Nominee Name : 		Date Sanctioned : 05-02-2025
Date Applied :
Nominee Relationship :
History 24 Months : 000000000000000000000
Days Past Due :000000000000000000000
09 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 25
MICROFINANCE
Name: NIDHI GUPTA
Ration Card: 		DOB: 15-06-2000
UID: 		Gender: Female
PAN: ENJPG7035R		VoterID:
OtherID:
Address: C O PRABHAKAR GUPTA 181 TEONTHAR GRAM CH ILLA REWAState: MPPostal: 486220
Monthly Family Income: Rs.10,000
Acct # 90001248273510
Institution : Bandhan Bank Limited
Loan Category : JLG Individual
Loan Purpose : GROCERY STATIONARY
DaysPastDue : 0		Current Balance : 0
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Closed Account
Disbursed Amount : Rs.50,000
Last Payment Date : 20-02-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 15-04-2025
Date Opened : 15-07-2024
Date Closed : 20-02-2025
Date Written Off :
Loan Cycle ID : 10
No. of Installments : 48
Key Person Name : PRABHAKAR GUPTA
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.1,158
Key Person Relationship : Other
Branch Id : 1611
Kendra ID : 1246400147		Sanction Amount : Rs.50,000
Applied Amount : Rs.50,000
Nominee Name : 		Date Sanctioned :
Date Applied :
Nominee Relationship :
History 24 Months : CLSDCLSDCLSD000000000000000000NEW
Days Past Due :000000000000000000000000000000
04 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 24
 

Enquiries :

InstitutionDateTimePurposeAmount
Shri Ram Finance Corporation Pvt Ltd 16-05-2025 14:13  Other    
Village Financial Services Pvt Ltd 04-11-2024 14:56  JLG Group    
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mrs. nidhi gupta
Consumer's First Name:   Mrs. nidhi gupta
Husband :  W/O prabhakar gupta
DOB:   28-09-2001
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 :  8269694050
Other Phone : 
Contact Details
Address Information 1 :
Address: Chilla post teonther jila reewa Mp
State: MP
Postal: 486220
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.

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