SGQK 009FZ04426 NA 2321498593, 2321498594 CCR 1 19-12-2025 22:37:22 10 0E Mr. panchavatee Mr. panchavatee S/O ramadas F Patana,mahmupur MP 486111 Patana,mahmupur MP 486111 9669567272 M 1973-12-19 1 XXXXXXXXXXXX 9669567272 102 102 PANCHVATI SAKET 1975-01-01 Female 51 SELF EMPLOYEED 37500 2025-11-30 CMZ0604850 XXXXXXXXXXXX 168110727 71530334 PATANA PATNA PATNA PATNA SIRMOUR MP 486111 N/A PATANA PATNAPATNA PATNA SIRMOUR MP 486111 N/A PATANA PATNA PATNA-PATNA SIRMOUR MP 486111 N/A 9669567272 M001 -1 SELF EMPLOYEED 37500 0 SELF EMPLOYEED 58500 0 1 0 97669.00 3850.00 1 0 97669.00 Microfinance - Personal Loan on 19-11-2025 3850.00 0.00 2 97669 97669 Microfinance - Personal Loan on 25-11-2024 0.00 0 1 PANCHVATI SAKET 01-01-1975 Female CMZ0604850 XXXXXXXXXXXX PATANA PATNA PATNA PATNA SIRMOUR MP 486111 9669567272 4243796431 58500 L11257189089 97669 L&T Finance 0 97669 JLG Individual 97669 2025-11-30 2025-11-19 1 2025-11-19 2025-11-19 97669 36 Monthly 3850 RAMDAS SAKET Wife New Account NEW 0 4473 4473 0 C 97669 PANCHVATI SAKET 01-01-1975 Female 168110727 XXXXXXXXXXXX 71530334 PATANA PATNA PATNA PATNA SIRMOUR MP 486111 9669567272 3613755071 37500 L11244933594 0 L&T Finance 0 47716 JLG Individual 47716 2025-11-30 2024-11-25 2025-11-19 1 2024-11-25 2024-11-25 47716 24 Monthly 2550 RAMDAS SAKET Wife Closed Account CLSD 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 4473 4473 0 C 47716 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 822 103 Sanction Amount 106 Max cycle across all MFIs XML/HTML2321498593_2321498594.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   19-12-2025
REPORT ORDER NO.:   2321498593, 2321498594TIME:   22:37:22
REFERENCE NUMBER:   NA
 

Consumer Name: PANCHVATI

Personal Information
Previous Name:  
Alias Name:  
DOB:   01-01-1975
Age:   50   Years   11   Months
Gender:   Female
Monthly Family Income : Rs.37,500
Income - Reported Date : 2025-11-30
Occupation:   SELF EMPLOYEED
Identification
PAN:  
Voter ID:   CMZ0604850
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration Card:   168110727
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:   71530334
Contact Details
Home: 
Office: 
Mobile:  9669567272
Alt. Home/Other No.: 
Alt. Office: 
Alt. Mobile: 
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   PATANA PATNA PATNA PATNA SIRMOUR   MP   486111   30-11-2025  
N/A   PATANA PATNAPATNA PATNA SIRMOUR   MP   486111   30-11-2025  
N/A   PATANA PATNA PATNA-PATNA SIRMOUR   MP   486111   19-11-2025  
 

Equifax Score(s):

Score NameScoreScoring Factors
Equifax Risk Score - Retail

-1
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

822

1 . Sanction Amount
2 . Max cycle across all MFIs
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 1 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 97,669
Total Installment Amount: 3850.00 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. 97,669
Recent Account: on Microfinance - Personal Loan on 19-11-2025 Installment Amount: Rs. 3,850 Total Past Due Amount: 0
Total Accounts:2 Total Sanction Amount: Rs. 97,669 Total High Credit: Rs. 97,669
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 25-11-2024 No. of 60+ DPD Accounts with Outstanding > 3000 each:

 

Account Details:

Accounts
MICROFINANCE
Name: PANCHVATI SAKET
Ration Card: 		DOB: 01-01-1975
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID: CMZ0604850
OtherID:
Address: PATANA PATNA PATNA PATNA SIRMOURState: MPPostal: 486111
Monthly Family Income: Rs.58,500
Acct # L11257189089
Institution : L&T Finance
Loan Category : JLG Individual
Loan Purpose :
DaysPastDue : 0		Current Balance : Rs.97,669
Past Due Amount : 0
Last Payment :
Write-off Amount :
Institution Type: MFI
MaxDaysPastDue : 		Status : New Account
Disbursed Amount : Rs.97,669
Last Payment Date :
Reason :
FirstDaysPastDueDate : 		Date Reported : 30-11-2025
Date Opened : 19-11-2025
Date Closed :
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 36
Key Person Name : RAMDAS SAKET
Dispute Code : 		Repayment Frequency : Monthly
Installment Amount : Rs.3,850
Key Person Relationship : Wife
Branch Id : 4473
Kendra ID : 4473		Sanction Amount : Rs.97,669
Applied Amount : Rs.97,669
Nominee Name : 		Date Sanctioned : 19-11-2025
Date Applied : 19-11-2025
Nominee Relationship :
History 24 Months : NEW
Days Past Due :000
11 - 25
MICROFINANCE
Name: PANCHVATI SAKET
Ration Card: 168110727		DOB: 01-01-1975
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID:
OtherID: 71530334
Address: PATANA PATNA PATNA PATNA SIRMOURState: MPPostal: 486111
Monthly Family Income: Rs.37,500
Acct # L11244933594
Institution : L&T Finance
Loan Category : JLG Individual
Loan Purpose :
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.47,716
Last Payment Date :
Reason :
FirstDaysPastDueDate : 		Date Reported : 30-11-2025
Date Opened : 25-11-2024
Date Closed : 19-11-2025
Date Written Off :
Loan Cycle ID : 1
No. of Installments : 24
Key Person Name : RAMDAS SAKET
Dispute Code : 		Repayment Frequency : Monthly
Installment Amount : Rs.2,550
Key Person Relationship : Wife
Branch Id : 4473
Kendra ID : 4473		Sanction Amount : Rs.47,716
Applied Amount : Rs.47,716
Nominee Name : 		Date Sanctioned : 25-11-2024
Date Applied : 25-11-2024
Nominee Relationship :
History 24 Months : CLSD000000000000000000000000000000000NEW
Days Past Due :000000000000000000000000000000000000000
11 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 2501 - 2512 - 2411 - 24
 

Enquiries :

InstitutionDateTimePurposeAmount
 
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mr. panchavatee
Consumer's First Name:   Mr. panchavatee
Father :  S/O ramadas
DOB:   19-12-1973
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 :  9669567272
Other Phone : 
Contact Details
Address Information 1 :
Address: Patana,mahmupur
State: MP
Postal: 486111
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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