SGQK 009FZ04426 NA 2256649565, 2256649567 CCR 1 15-11-2025 11:54:46 10 0E Mr. saroj devi Mr. saroj devi S/O sunil F Gadwa jawa MP 486223 Gadwa jawa MP 486223 7389850762 M 1989-11-15 1 XXXXXXXXXXXX 7389850762 101 101 SAROJ DEVI 1989-01-01 Female 36 34000 2025-06-15 XCI2505477 XXXXXXXXXXXX XCI2505477 GADHWA POST GADHWAREWAMADHYAPRADESH MP 486223 N/A GADHWA POST GADHWAREWAMADHYAPRADESH MP 486226 N/A 95 GADHWA VILLEGE GADHAVA TEHSIL JAWA,DISTRICT MP 486223 REWA MADHYA PRADESH 486223 N/A 95 GADHAVA REWA MADHYA PRADESH 486223 N/A VILL-95 GADHWA VILLEGE GADHAVA TEHSIL JAWA,DISTRICT REWA MP 486223JAWAREWA486223 MP 486223 N/A 7843078962 8349625956 7024915736 M001 -1 34000 2150 34000 2150 32000 9750 113 Y 1 1 7767.00 952.00 1 1 7767.00 Microfinance - Personal Loan on 22-03-2024 952.00 3404.00 4 20000 20000 Microfinance - Personal Loan on 17-02-2020 0.00 112 1 CREDITACCESS GRAMEEN LIMITED 2024-10-01 16:11 0E 30000 CREDITACCESS GRAMEEN LIMITED 2024-10-01 16:11 0E 30000 SAROJ DEVI 01-01-1989 Female XCI2505477 GADHWA POST GADHWAREWAMADHYAPRADESH MP 486223 7843078962 7843078962 3266152062 34000 LO2408275899HG 7767 CREDITACCESS GRAMEEN LIMITED 3404 20000 JLG Individual MINOR.HOUSE.REPAIR 20000 2025-07-18 2025-11-14 2024-03-22 2024-03-22 2024-03-22 20000 104 Weekly 238 SUNEEL Husband SUNEEL Husband 90-119 days past due 90+ 112 90+ 98 60+ 67 30+ 35 01+ 7 000 0 01+ 2 000 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 IN0010897 40300416 112 C SAROJ DEVI 01-01-1989 Female XCI2505477 GADHWA POST GADHWAREWAMADHYAPRADESH MP 486223 7843078962 7843078962 2786140870 34000 LN076489841 0 CREDITACCESS GRAMEEN LIMITED 0 50000 JLG Individual BAKERY.BUSINESS 50000 2024-03-29 2025-06-15 2023-06-23 2025-03-18 2 2023-06-23 2023-06-22 50000 104 Weekly 604 SUNEEL Husband SUNEEL Husband Closed Account CLSD 0 CLSD 0 CLSD 0 CLSD 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 0 000 0 000 0 000 0 000 0 000 0 * * 000 0 IN0010897 40300416 0 C SAROJ 01-01-1989 Female XCI2505477 XXXXXXXXXXXX 95 GADHWA VILLEGE GADHAVA TEHSIL JAWA DISTRICT MP 486223 REWA MADHYA PRADESH 486223 7024915736 2040897278 32000 7045467 License Cancelled Entity 0 Sonata Finance Pvt Ltd 0 50760 JLG Individual TRADORS SHOP 50760 2023-10-24 2023-12-31 2021-09-29 2023-10-24 10 2021-09-29 2021-09-29 50760 53 Bi-weekly 1200 SUNEEL KUMAR CHARMKAR Husband Closed Account CLSD 0 * * CLSD 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 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 263 26575 0 C 50760 SAROJ DEVI 01-01-1989 Female XCI2505477 VILL-95 GADHWA VILLEGE GADHAVA TEHSIL JAWA DISTRICT REWA MP 486223JAWAREWA486223 MP 486223 8349625956 1619220786 7400789-SONATA 0 Indusind Bank Limited 0 25975 JLG Individual PATTAL SHOP 25975 2021-09-30 2022-02-14 2020-02-17 2021-09-30 2 2020-02-11 2020-02-11 25975 RAMNEVAJ Father Closed Account CLSD 0 * * * * CLSD 0 CLSD 0 CLSD 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 0 000 0 000 0 000 0 000 0 000 0 INDUSIND-SONATA-REW:CIT:04 002311_020002291 0 38 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 463 104 Delinquency 101 Delinquency XML/HTML2256649565_2256649567.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   15-11-2025
REPORT ORDER NO.:   2256649565, 2256649567TIME:   11:54:46
REFERENCE NUMBER:   NA
 

Consumer Name: SAROJ

Personal Information
Previous Name:  
Alias Name:  
DOB:   01-01-1989
Age:   36   Years   10   Months
Gender:   Female
Monthly Family Income : Rs.34,000
Income - Reported Date : 2025-06-15
Occupation:  
Identification
PAN:  
Voter ID:   XCI2505477
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration Card:   XCI2505477
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:  
Contact Details
Home:  7843078962
Office: 
Mobile: 
Alt. Home/Other No.:  8349625956
Alt. Office: 
Alt. Mobile:  7024915736
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   GADHWA POST GADHWAREWAMADHYAPRADESH   MP   486223   28-02-2025  
N/A   GADHWA POST GADHWAREWAMADHYAPRADESH   MP   486226   31-01-2024  
N/A   95 GADHWA VILLEGE GADHAVA TEHSIL JA WA DISTRICT MP 486223 REWA MADHYA PRADESH     486223   31-12-2023  
N/A   95 GADHAVA REWA MADHYA PRADESH     486223   31-12-2023  
N/A   VILL-95 GADHWA VILLEGE GADHAVA TEHS IL JAWA DISTRICT REWA MP 486223JAW AREWA486223   MP   486223   14-02-2022  
 

Equifax Score(s):

Score NameScoreScoring Factors
Equifax Risk Score - Retail

-1
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

463

1 . Delinquency
2 . Delinquency
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 1 Number of Past Due Accounts: 1 Total Outstanding Balance: Rs. 7,767
Total Installment Amount: 952.00 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: 1 Total Outstanding Balance: Rs. 7,767
Recent Account: on Microfinance - Personal Loan on 22-03-2024 Installment Amount: Rs. 952 Total Past Due Amount: Rs. 3,404
Total Accounts:4 Total Sanction Amount: Rs. 20,000 Total High Credit: Rs. 20,000
Max Days Past Due: 112 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 17-02-2020 No. of 60+ DPD Accounts with Outstanding > 3000 each:

 

Account Details:

Accounts
MICROFINANCE
Name: SAROJ DEVI
Ration Card: 		DOB: 01-01-1989
UID: 		Gender: Female
PAN: 		VoterID: XCI2505477
OtherID:
Address: GADHWA POST GADHWAREWAMADHYAPRADESHState: MPPostal: 486223
Monthly Family Income: Rs.34,000
Acct # LO2408275899HG
Institution : CREDITACCESS GRAMEEN LIMITED
Loan Category : JLG Individual
Loan Purpose : MINOR.HOUSE.REPAIR
DaysPastDue : 112		Current Balance : Rs.7,767
Past Due Amount : Rs.3,404
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 112		Status : 90-119 days past due
Disbursed Amount : Rs.20,000
Last Payment Date : 18-07-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 14-11-2025
Date Opened : 22-03-2024
Date Closed :
Date Written Off :
Loan Cycle ID :
No. of Installments : 104
Key Person Name : SUNEEL
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.238
Key Person Relationship : Husband
Branch Id : IN0010897
Kendra ID : 40300416		Sanction Amount : Rs.20,000
Applied Amount : Rs.20,000
Nominee Name : SUNEEL		Date Sanctioned : 22-03-2024
Date Applied : 22-03-2024
Nominee Relationship : Husband
History 24 Months : 90+90+60+30+01+00001+000000000000000000000000000000000000000NEW
Days Past Due :112098067035007000002000000000000000000000000000000000000000000
11 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 2406 - 2405 - 2404 - 2403 - 24
MICROFINANCE
Name: SAROJ DEVI
Ration Card: 		DOB: 01-01-1989
UID: 		Gender: Female
PAN: 		VoterID: XCI2505477
OtherID:
Address: GADHWA POST GADHWAREWAMADHYAPRADESHState: MPPostal: 486223
Monthly Family Income: Rs.34,000
Acct # LN076489841
Institution : CREDITACCESS GRAMEEN LIMITED
Loan Category : JLG Individual
Loan Purpose : BAKERY.BUSINESS
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 : 29-03-2024
Reason :
FirstDaysPastDueDate : 		Date Reported : 15-06-2025
Date Opened : 23-06-2023
Date Closed : 18-03-2025
Date Written Off :
Loan Cycle ID : 2
No. of Installments : 104
Key Person Name : SUNEEL
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.604
Key Person Relationship : Husband
Branch Id : IN0010897
Kendra ID : 40300416		Sanction Amount : Rs.50,000
Applied Amount : Rs.50,000
Nominee Name : SUNEEL		Date Sanctioned : 23-06-2023
Date Applied : 22-06-2023
Nominee Relationship : Husband
History 24 Months : CLSDCLSDCLSDCLSD000000000000000000000000000000000000000000000000000000*000
Days Past Due :000000000000000000000000000000000000000000000000000000000000000000***000
06 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 2406 - 2405 - 2404 - 2403 - 2402 - 2401 - 2412 - 2311 - 2310 - 2309 - 2308 - 2307 - 23
MICROFINANCE
Name: SAROJ
Ration Card: 		DOB: 01-01-1989
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID: XCI2505477
OtherID:
Address: 95 GADHWA VILLEGE GADHAVA TEHSIL JAWA D ISTRICT MP 486223 REWA MADHYA PRADESHState: Postal: 486223
Monthly Family Income: Rs.32,000
Acct # 7045467 License Cancelled Entity
Institution : Sonata Finance Pvt Ltd
Loan Category : JLG Individual
Loan Purpose : TRADORS SHOP
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.50,760
Last Payment Date : 24-10-2023
Reason :
FirstDaysPastDueDate : 		Date Reported : 31-12-2023
Date Opened : 29-09-2021
Date Closed : 24-10-2023
Date Written Off :
Loan Cycle ID : 10
No. of Installments : 53
Key Person Name : SUNEEL KUMAR CHARMKAR
Dispute Code : 		Repayment Frequency : Bi-weekly
Installment Amount : Rs.1,200
Key Person Relationship : Husband
Branch Id : 263
Kendra ID : 26575		Sanction Amount : Rs.50,760
Applied Amount : Rs.50,760
Nominee Name : 		Date Sanctioned : 29-09-2021
Date Applied : 29-09-2021
Nominee Relationship :
History 24 Months : CLSD*CLSD000000000000000000000000000000000000000000000000000000000000000
Days Past Due :000***000000000000000000000000000000000000000000000000000000000000000000
12 - 2311 - 2310 - 2309 - 2308 - 2307 - 2306 - 2305 - 2304 - 2303 - 2302 - 2301 - 2312 - 2211 - 2210 - 2209 - 2208 - 2207 - 2206 - 2205 - 2204 - 2203 - 2202 - 2201 - 22
MICROFINANCE
Name: SAROJ DEVI
Ration Card: XCI2505477		DOB: 01-01-1989
UID: 		Gender: Female
PAN: 		VoterID:
OtherID:
Address: VILL-95 GADHWA VILLEGE GADHAVA TEHSIL JA WA DISTRICT REWA MP 486223JAWAREWA48622 3State: MPPostal: 486223
Monthly Family Income:
Acct # 7400789-SONATA
Institution : Indusind Bank Limited
Loan Category : JLG Individual
Loan Purpose : PATTAL SHOP
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.25,975
Last Payment Date : 30-09-2021
Reason :
FirstDaysPastDueDate : 		Date Reported : 14-02-2022
Date Opened : 17-02-2020
Date Closed : 30-09-2021
Date Written Off :
Loan Cycle ID : 2
No. of Installments :
Key Person Name : RAMNEVAJ
Dispute Code : 		Repayment Frequency :
Installment Amount :
Key Person Relationship : Father
Branch Id : INDUSIND-SONATA-REW:CIT:04
Kendra ID : 002311_020002291		Sanction Amount : Rs.25,975
Applied Amount : Rs.25,975
Nominee Name : 		Date Sanctioned : 11-02-2020
Date Applied : 11-02-2020
Nominee Relationship :
History 24 Months : CLSD**CLSDCLSDCLSD000000000000000000000000000000000000000000000000000000
Days Past Due :000******000000000000000000000000000000000000000000000000000000000000000
02 - 2201 - 2212 - 2111 - 2110 - 2109 - 2108 - 2107 - 2106 - 2105 - 2104 - 2103 - 2102 - 2101 - 2112 - 2011 - 2010 - 2009 - 2008 - 2007 - 2006 - 2005 - 2004 - 2003 - 20
 

Enquiries :

InstitutionDateTimePurposeAmount
CREDITACCESS GRAMEEN LIMITED 01-10-2024 16:11  JLG Group   Rs. 30,000 
CREDITACCESS GRAMEEN LIMITED 01-10-2024 16:11  JLG Group   Rs. 30,000 
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mr. saroj devi
Consumer's First Name:   Mr. saroj devi
Father :  S/O sunil
DOB:   15-11-1989
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 :  7389850762
Other Phone : 
Contact Details
Address Information 1 :
Address: Gadwa jawa
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.

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