SGQK 009FZ04426 NA 2335409131, 2335409132 CCR 1 27-12-2025 09:40:49 10 0E Mrs. maya sharma Mrs. maya sharma W/O harish sharma H Barau chauraha Baikunthpur MP 486441 Barau chauraha Baikunthpur MP 486441 9630913521 M 1987-12-26 1 XXXXXXXXXXXX 9630913521 102 102 MAYA SHARMA 1988-01-01 Female 38 SELF EMPLOYED 24000 2025-09-30 OQJPS0341P XCI3048493 XXXXXXXXXXXX XCI3048493 40091708499244 W/O HANSH SHARMA 1203 WARD 04 NAGAR,PARISAD BAIKUNTHPURSIRMAOR BAIKUNTHPUR REWA SIRMAOR MADHYA PRADESH - 486441 BAIKUNTHPUR REWA MADHYAPRADESH MP 486441 Owns,Permanent 03 030 SATNA MP 486441 N/A 9111639092 SELF EMPLOYED 24000 2 0 303906.00 12586.00 1 10456.00 0 278016.00 1 0.00 Business Loan - Secured on 07-05-2025 300000.00 0.00 Business Loan - Secured on 07-05-2025 0.00 0 1 1 0 25890.00 Microfinance - Personal Loan on 07-02-2025 2130.00 0.00 1 40000 40000 Microfinance - Personal Loan on 07-02-2025 0.00 0 1 BARWALA LEASING AND FINANCE (P) LTD. 2025-11-05 11:07 31 ********** FINANCE Business Loan - Secured Joint Account 278016 0 62736 Yes 300000 2025-12-05 2025-12-15 2025-05-07 28.00 48 10456 Monthly Current Account Standard 000 0 * STD 000 0 * STD 000 0 * STD 000 0 * STD 000 0 * STD 000 0 * STD 000 0 * STD NEW 0 * STD 0 MAYA SHARMA SHARMA 01-01-1988 Female XCI3048493 XCI3048493 XXXXXXXXXXXX 03 030 SATNA MP 486441 9993639092 3769836724 24000 51988150000303 25890 Jana Small Finance Bank Ltd 0 40000 JLG Individual A - AGRICULTURE/ AGR 40000 2025-12-06 2025-12-15 2025-02-07 2025-02-07 40000 24 Monthly 2130 HARISH SHARMA Wife Current Account 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 000 0 NEW 0 5198 SANGEETA BAIKUN51980001 0 L 40000 1 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 800 103 Sanction Amount 106 Max cycle across all MFIs RTL.ERS4.0 4.0 ERS 766 703 Total Utilization 704 Credit Card Utilization 702 Total Credit Exposure XML/HTML2335409131_2335409132.html
 

CONSUMER CREDIT REPORT V2.0
 
CLIENT ID:   009FZ04426DATE:   27-12-2025
REPORT ORDER NO.:   2335409131, 2335409132TIME:   09:40:49
REFERENCE NUMBER:   NA
 

Consumer Name: MAYA

Personal Information
Previous Name:  
Alias Name:  
DOB:   01-01-1988
Age:   37   Years   11   Months
Gender:   Female
Monthly Family Income : Rs.24,000
Income - Reported Date : 2025-09-30
Occupation:   SELF EMPLOYED
Identification
PAN:   OQJPS0341P
Voter ID:   XCI3048493
Passport ID:  
UID:   XXXXXXXXXXXX
Driver's License:  
Ration Card:   XCI3048493
NREGA card number:  
CKYC:  
Photo Credit Card:  
ID - Other:   40091708499244
Contact Details
Home: 
Office: 
Mobile:  9111639092
Alt. Home/Other No.: 
Alt. Office: 
Alt. Mobile: 
Email: 
 

Consumer Address:

TypeAddressStatePostalDate Reported
N/A   W/O HANSH SHARMA 1203 WARD 04 NAGAR PARISAD BAIKUNTHPURSIRMAOR BAIKUN THPUR REWA SIRMAOR MADHYA PRADESH - 486441 BAIKUNTHPUR REWA MADHYAPRAD ESH   MP   486441   15-12-2025  
N/A   03 030 SATNA   MP   486441   30-09-2025  
 

Equifax Score(s):

Score NameScoreScoring Factors
 

Score Detail(s):

Score NameScoreScoreAttribute ValueAttributeDescription / ScoringElement
MRS

800

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

766

1 . Total Utilization
2 . Credit Card Utilization
3 . Total Credit Exposure
 

Account Summary:

Consolidated Credit Summary
OVERALL
Number of Open Accounts: 2 Number of Past Due Accounts: 0 Total Outstanding Balance: Rs. 3,03,906
Total Installment Amount: 12586.00 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: 0 Total Outstanding Balance: Rs. 2,78,016
Total Accounts:1 Total Past Due Amount: 0 Recent Account: on Business Loan - Secured on 07-05-2025
Total Sanction Amount: Rs. 3,00,000 Total High Credit: 0 Oldest Account: on Business Loan - Secured on 07-05-2025
Max Days Past Due: 0 Total Write-Off Amount: 0.00 Number Of Loans With Reported EMI: 1
Installment Amount: Rs. 10,456 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. 25,890
Recent Account: on Microfinance - Personal Loan on 07-02-2025 Installment Amount: Rs. 2,130 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 07-02-2025 No. of 60+ DPD Accounts with Outstanding > 3000 each:

 

Account Details:

Accounts
RETAIL
Acct # **********
Institution : FINANCE
Type : Business Loan - Secured
Ownership Type : Joint Account
DaysPastDue : 0		Balance : Rs.2,78,016
Past Due Amount : 0
Last Payment : Rs.62,736
Write-off Amount :
Institution Type:
MaxDaysPastDue : 		Open : Yes
Interest Rate : 28.00
Last Payment Date : 05-12-2025
Sanction Amount : Rs.3,00,000
FirstDaysPastDueDate : 		Date Reported : 15-12-2025
Date Opened : 07-05-2025
Date Closed :
Reason :
Repayment Tenure : 48
Dispute Code : 		Payment Amount : Rs.10,456
Term Frequency : Monthly		Credit Limit :
Branch Id :
Kendra ID : 		Collateral Value :
Collateral Type :
Account status : Current Account
Asset Classification : Standard
Suit Filed Status :
History 48 Months
Account Status : 000000000000000000000NEW
Asset Classification :STDSTDSTDSTDSTDSTDSTDSTD
Suit Filed Status :********
Days Past Due :000000000000000000000000
12 - 2511 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 25
MICROFINANCE
Name: MAYA SHARMA SHARMA
Ration Card: XCI3048493		DOB: 01-01-1988
UID: XXXXXXXXXXXX		Gender: Female
PAN: 		VoterID: XCI3048493
OtherID:
Address: 03 030 SATNAState: MPPostal: 486441
Monthly Family Income: Rs.24,000
Acct # 51988150000303
Institution : Jana Small Finance Bank Ltd
Loan Category : JLG Individual
Loan Purpose : A - AGRICULTURE/ AGR
DaysPastDue : 0		Current Balance : Rs.25,890
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 : 06-12-2025
Reason :
FirstDaysPastDueDate : 		Date Reported : 15-12-2025
Date Opened : 07-02-2025
Date Closed :
Date Written Off :
Loan Cycle ID :
No. of Installments : 24
Key Person Name : HARISH SHARMA
Dispute Code : 		Repayment Frequency : Monthly
Installment Amount : Rs.2,130
Key Person Relationship : Wife
Branch Id : 5198
Kendra ID : SANGEETA BAIKUN51980001		Sanction Amount : Rs.40,000
Applied Amount : Rs.40,000
Nominee Name : 		Date Sanctioned : 07-02-2025
Date Applied :
Nominee Relationship :
History 24 Months : 000000000000000000000000000000NEW
Days Past Due :000000000000000000000000000000000
12 - 2511 - 2510 - 2509 - 2508 - 2507 - 2506 - 2505 - 2504 - 2503 - 2502 - 25
 

Enquiries :

InstitutionDateTimePurposeAmount
BARWALA LEASING AND FINANCE (P) LTD. 05-11-2025 11:07  Secured Credit Card    
 
 

Input Enquiry:

Personal & Account Information
Consumer's Full Name:   Mrs. maya sharma
Consumer's First Name:   Mrs. maya sharma
Husband :  W/O harish sharma
DOB:   26-12-1987
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 :  9630913521
Other Phone : 
Contact Details
Address Information 1 :
Address: Barau chauraha Baikunthpur
State: MP
Postal: 486441
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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