SGQK 009FZ04426 NA 2321498830, 2321498829 CCR 1 19-12-2025 22:37:41 10 0E Mr. poonam gupta Mr. poonam gupta S/O kedarnath gupta F Chilla rewa MP MP 486220 Chilla rewa MP MP 486220 9131351237 M 2004-12-19 1 XXXXXXXXXXXX 9131351237 101 101 POONAM GUPTA 2003-01-01 Female 22 AGRI AND AGRI ALLIED 25000 2025-12-05 SJZ3530391 XXXXXXXXXXXX SJZ3530391 50098507922622 ADDRESS C/O KEDARNATH GUPTA 133 WARD,NO 13 CHILLA EPOST TEONTHAR TEONITHAR PO,TEONTHAR DIST,REWA MADHYA PRADESH - 486220 UP 486220 N/A CHILLA REWA MADHYA PRADESH MP 486220 N/A HILLA REWA MADHYA PRADESH MP 486220 N/A TEONTHAR REWA CHILLA TEONTHAR 133 WARD,NO 13 CHILLA POST TEONTHAR MADHYA PRADESH MP 486220 N/A PRITHVIRAJ CHAUHANREWAMADHYAPRADESH MP 486220 N/A 6268329729 7898887828 9131351237 919131351237 M001 -1 AGRI AND AGRI ALLIED 25000 0 25000 8417 2 25000 4167 25000 4167 HOUSEWIFE 15000 0 5 0 100493.00 12418.00 5 0 100493.00 Microfinance - Personal Loan on 05-11-2025 12418.00 0.00 5 206625 206625 Microfinance - Personal Loan on 10-05-2024 0.00 0 5 Indusind Bank Limited 2025-11-05 13:06 1E Spandana Sphoorty Financial Ltd 2025-06-20 17:00 3E 30000 POONAM GUPTA 01-01-2003 Female SJZ3530391 HILLA REWA MADHYA PRADESH MP 486220 9131351237 9131351237 4218689531 25000 E213367050161501-4111894000434834 46845 Indusind Bank Limited 0 49625 JLG Individual LIVESTOCKS 49625 2025-12-10 2025-12-15 2025-11-05 1 2025-11-05 2025-11-05 75970 75 Weekly 790 KEDAR NATH Husband Current Account 000 0 NEW 0 INDUSIND-BFIL-E2:13 E2:13:367 0 L 49625 POONAM GUPTA 01-01-2003 Female SJZ3530391 SJZ3530391 ADDRESS C/O KEDARNATH GUPTA 133 WARD NO 13 CHILLA EPOST TEONTHAR TEONITHAR PO TEONTHAR DIST REWA MADHYA PRADESH - 486220 UP 486220 7898887828 3382751785 25000 357608472 1317 Spandana Sphoorty Financial Ltd 0 42000 JLG Individual AGRICULTURE & FARMIN 42000 2025-12-13 2025-12-13 2024-07-15 1 2024-07-15 2024-07-15 75 Weekly 670 KEDAR NATH GUPTA Husband KEDAR NATH GUPTA 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 2687 555192 0 0 POONAM GUPTA 21-03-2003 Female SJZ3530391 PRITHVIRAJ CHAUHANREWAMADHYAPRADESH MP 486220 6268329729 6268329729 3274967715 25000 LO241317R33C0M 13071 CREDITACCESS GRAMEEN LIMITED 0 50000 JLG Individual BUFFALO.PURCHASE 50000 2025-11-28 2025-11-30 2024-05-10 1 2024-05-10 2024-05-10 50000 104 Weekly 600 RAMESH Father 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 0 000 0 000 0 000 0 000 0 NEW 0 IN0010912 21927100 0 C POONAM GUPTA 01-01-2003 Female XXXXXXXXXXXX C/O KEDARNATH GUPTA TEONTHAR TEONTHAR 133 WARD NO 13 CHILLA POST TEONTHAR REWA REWA MP 486220 919131351237 919131351237 3814786846 15000 75057705889723 30512 Federal Bank Limited 0 45000 JLG Individual NON FARM 45000 2025-11-11 2025-11-30 2025-02-04 2025-02-04 45000 24 Monthly 2430 KUSUM DEVI Mother Current Account 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 7505 7505 0 POONAM GUPTA 21-03-2003 Female SJZ3530391 PRITHVIRAJ CHAUHANREWAMADHYAPRADESH MP 486220 6268329729 6268329729 3880616724 25000 LO251159D77M45 8748 CREDITACCESS GRAMEEN LIMITED 0 20000 JLG Individual EDUCATION 20000 2025-11-28 2025-11-30 2025-04-25 1 2025-04-25 2025-04-25 20000 52 Weekly 437 RAMESH Father Current Account 000 0 000 0 000 0 000 0 000 0 000 0 000 0 NEW 0 IN0010912 21927100 0 C 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 737 103 Sanction Amount 102 Number of Loans in Cycle1 XML/HTML2321498830_2321498829.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   19-12-2025
REPORT ORDER NO.:   2321498830, 2321498829TIME:   22:37:41
REFERENCE NUMBER:   NA
 

Consumer Name: POONAM

Personal Information
Previous Name:  
Alias Name:  
DOB:   01-01-2003
Age:   22   Years   11   Months
Gender:   Female
Monthly Family Income : Rs.25,000
Income - Reported Date : 2025-12-05
Occupation:   AGRI AND AGRI ALLIED
Identification
PAN:  
Voter ID:   SJZ3530391
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration Card:   SJZ3530391
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:  
Contact Details
Home:  6268329729
Office: 
Mobile: 
Alt. Home/Other No.:  7898887828
Alt. Office: 
Alt. Mobile:  9131351237 , 919131351237
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   ADDRESS C/O KEDARNATH GUPTA 133 WAR D NO 13 CHILLA EPOST TEONTHAR TEON ITHAR PO TEONTHAR DIST REWA MADHY A PRADESH - 486220   UP   486220   05-12-2025  
N/A   CHILLA REWA MADHYA PRADESH   MP   486220   15-11-2025  
N/A   HILLA REWA MADHYA PRADESH   MP   486220   15-11-2025  
N/A   TEONTHAR REWA CHILLA TEONTHAR 133 W ARD NO 13 CHILLA POST TEONTHAR MAD HYA PRADESH   MP   486220   05-11-2025  
N/A   PRITHVIRAJ CHAUHANREWAMADHYAPRADESH   MP   486220   15-08-2025  
 

Equifax Score(s):

Score NameScoreScoring Factors
Equifax Risk Score - Retail

-1
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

737

1 . Sanction Amount
2 . Number of Loans in Cycle1
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 5 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 1,00,493
Total Installment Amount: 12418.00 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: 5 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 1,00,493
Recent Account: on Microfinance - Personal Loan on 05-11-2025 Installment Amount: Rs. 12,418 Total Past Due Amount: 0
Total Accounts:5 Total Sanction Amount: Rs. 2,06,625 Total High Credit: Rs. 2,06,625
Max Days Past Due: 0 Total Write-Off Amount: 0.00 Number Of Loans With Reported EMI: 5
No. of Active Lenders:  No. of 60+ DPD Accounts:  Total Outstanding Balance 60+ DPD Accounts:
Oldest Account: on Microfinance - Personal Loan on 10-05-2024 No. of 60+ DPD Accounts with Outstanding > 3000 each:

 

Account Details:

Accounts
MICROFINANCE
Name: POONAM GUPTA
Ration Card: 		DOB: 01-01-2003
UID: 		Gender: Female
PAN: 		VoterID: SJZ3530391
OtherID:
Address: HILLA REWA MADHYA PRADESHState: MPPostal: 486220
Monthly Family Income: Rs.25,000
Acct # E213367050161501-4111894000434834
Institution : Indusind Bank Limited
Loan Category : JLG Individual
Loan Purpose : LIVESTOCKS
DaysPastDue : 0		Current Balance : Rs.46,845
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.49,625
Last Payment Date : 10-12-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 15-12-2025
Date Opened : 05-11-2025
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 75
Key Person Name : KEDAR NATH
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.790
Key Person Relationship : Husband
Branch Id : INDUSIND-BFIL-E2:13
Kendra ID : E2:13:367		Sanction Amount : Rs.49,625
Applied Amount : Rs.75,970
Nominee Name : 		Date Sanctioned : 05-11-2025
Date Applied : 05-11-2025
Nominee Relationship :
History 24 Months : 000NEW
Days Past Due :000000
12 - 2511 - 25
MICROFINANCE
Name: POONAM GUPTA
Ration Card: SJZ3530391		DOB: 01-01-2003
UID: 		Gender: Female
PAN: 		VoterID: SJZ3530391
OtherID:
Address: ADDRESS C/O KEDARNATH GUPTA 133 WARD NO 13 CHILLA EPOST TEONTHAR TEONITHAR PO TEONTHAR DIST REWA MADHYA PRADESH - 486 220State: UPPostal: 486220
Monthly Family Income: Rs.25,000
Acct # 357608472
Institution : Spandana Sphoorty Financial Ltd
Loan Category : JLG Individual
Loan Purpose : AGRICULTURE & FARMIN
DaysPastDue : 0		Current Balance : Rs.1,317
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.42,000
Last Payment Date : 13-12-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 13-12-2025
Date Opened : 15-07-2024
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 75
Key Person Name : KEDAR NATH GUPTA
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.670
Key Person Relationship : Husband
Branch Id : 2687
Kendra ID : 555192		Sanction Amount : Rs.42,000
Applied Amount :
Nominee Name : KEDAR NATH GUPTA		Date Sanctioned : 15-07-2024
Date Applied : 15-07-2024
Nominee Relationship : Husband
History 24 Months : 000000000000000000000*000**000000000000000000NEW
Days Past Due :000000000000000000000***000******000000000000000000000
12 - 2511 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 24
MICROFINANCE
Name: POONAM GUPTA
Ration Card: 		DOB: 21-03-2003
UID: 		Gender: Female
PAN: 		VoterID: SJZ3530391
OtherID:
Address: PRITHVIRAJ CHAUHANREWAMADHYAPRADESHState: MPPostal: 486220
Monthly Family Income: Rs.25,000
Acct # LO241317R33C0M
Institution : CREDITACCESS GRAMEEN LIMITED
Loan Category : JLG Individual
Loan Purpose : BUFFALO.PURCHASE
DaysPastDue : 0		Current Balance : Rs.13,071
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.50,000
Last Payment Date : 28-11-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 30-11-2025
Date Opened : 10-05-2024
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 104
Key Person Name : RAMESH
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.600
Key Person Relationship : Father
Branch Id : IN0010912
Kendra ID : 21927100		Sanction Amount : Rs.50,000
Applied Amount : Rs.50,000
Nominee Name : 		Date Sanctioned : 10-05-2024
Date Applied : 10-05-2024
Nominee Relationship :
History 24 Months : 000000000000000000000000000000000000000000000000000000NEW
Days Past Due :000000000000000000000000000000000000000000000000000000000
11 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 2410 - 2409 - 2408 - 2407 - 2406 - 2405 - 24
MICROFINANCE
Name: POONAM GUPTA
Ration Card: 		DOB: 01-01-2003
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID:
OtherID:
Address: C/O KEDARNATH GUPTA TEONTHAR TEONTHAR 13 3 WARD NO 13 CHILLA POST TEONTHAR REWA REWAState: MPPostal: 486220
Monthly Family Income: Rs.15,000
Acct # 75057705889723
Institution : Federal Bank Limited
Loan Category : JLG Individual
Loan Purpose : NON FARM
DaysPastDue : 0		Current Balance : Rs.30,512
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 : 11-11-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 30-11-2025
Date Opened : 04-02-2025
Date Closed :
Date Written Off :
Loan Cycle ID :
No. of Installments : 24
Key Person Name : KUSUM 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 : 04-02-2025
Date Applied :
Nominee Relationship :
History 24 Months : 000000000000000000000000000
Days Past Due :000000000000000000000000000
11 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 25
MICROFINANCE
Name: POONAM GUPTA
Ration Card: 		DOB: 21-03-2003
UID: 		Gender: Female
PAN: 		VoterID: SJZ3530391
OtherID:
Address: PRITHVIRAJ CHAUHANREWAMADHYAPRADESHState: MPPostal: 486220
Monthly Family Income: Rs.25,000
Acct # LO251159D77M45
Institution : CREDITACCESS GRAMEEN LIMITED
Loan Category : JLG Individual
Loan Purpose : EDUCATION
DaysPastDue : 0		Current Balance : Rs.8,748
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 0		Status : Current Account
Disbursed Amount : Rs.20,000
Last Payment Date : 28-11-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 30-11-2025
Date Opened : 25-04-2025
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 52
Key Person Name : RAMESH
Dispute Code : 		Repayment Frequency : Weekly
Installment Amount : Rs.437
Key Person Relationship : Father
Branch Id : IN0010912
Kendra ID : 21927100		Sanction Amount : Rs.20,000
Applied Amount : Rs.20,000
Nominee Name : 		Date Sanctioned : 25-04-2025
Date Applied : 25-04-2025
Nominee Relationship :
History 24 Months : 000000000000000000000NEW
Days Past Due :000000000000000000000000
11 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 25
 

Enquiries :

InstitutionDateTimePurposeAmount
Indusind Bank Limited 05-11-2025 13:06  JLG Individual    
Spandana Sphoorty Financial Ltd 20-06-2025 17:00  SHG Group   Rs. 30,000 
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mr. poonam gupta
Consumer's First Name:   Mr. poonam gupta
Father :  S/O kedarnath gupta
DOB:   19-12-2004
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 :  9131351237
Other Phone : 
Contact Details
Address Information 1 :
Address: Chilla rewa 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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