CONSUMER CIR

CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

CONSUMER INFORMATION:
NAME: HEREKAR HEREKAR SWAPNA

DATE OF BIRTH: 12-02-1987 GENDER: FEMALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CREDITVISION® SCORE
660 1:
2:
PRESENCE OF DELINQUENCY
PRESENCE OF DELINQUENCY IN THE RECENT PAST
3: PRESENCE OF SEVERE DELINQUENCY AS OF RECENT UPDATE
4: LOW PROPORTION OF SATISFACTORY TRADES

PERSONAL LOAN SCORE

523 1:
2:
ONE OR MORE TRADES WITH SUIT FILED STATUS IN THE PAST 24 MONTHS.
ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.
3: ONE OR MORE TRADES WITH RESTRUCTURED DEBT IN THE PAST 24 MONTHS.
4: OVER DUE AMOUNT TOO HIGH.
5: PRESENCE OF DELINQUENCY.
6: PRESENCE OF A MINOR DELINQUENCY ON PERSONAL LOAN.
7: LOW AVERAGE TRADE AGE.
8: NOT ENOUGH AVAILABLE CREDIT.

POSSIBLE RANGE FOR CREDITVISION® SCORE

Consumer with at least one trade on the bureau in last 36 months : 300 (High risk) to 900 (low risk)
Consumer not in CIBIL database or history older than 36 months : -1

* At least one tradeline with information updated in last 36 months is required.

POSSIBLE RANGE FOR PERSONAL LOAN SCORE

Consumers with more than 1 month credit history* : 300 (high risk) to 900 (low risk)
Consumers not in CIBIL database or with insufficient information for scoring* : -1

* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE

INCOME TAX ID NUMBER (PAN) HAWPS3328N

UNIVERSAL ID NUMBER (UID) XXXXXXXXXXXX

CKYC 10033025514818

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

MOBILE PHONE 8247072263

MOBILE PHONE 9848576774

MOBILE PHONE 7981213820

OFFICE PHONE 27161514

EMAIL CONTACT(S):
EMAIL ADDRESS

[email protected]

[email protected]

[email protected]

[email protected]

ADDRESS(ES):

ADDRESS :H NO 2-3 KEESARA MAIN ROAD KEESARA HYDERABAD GANAPURAM TELANGANA 501301

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:30-04-2024

ADDRESS :1 91 5 KEESARA KEESARA MANDAL ANDHRA PRADESH 501301

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023

ADDRESS :H NO:2-3,NEAR BANK,KEESARA 2663 TELANGANA TELANGANA 501301

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:31-12-2023

ADDRESS :H NO:2-2 KEESARA,MEDCHAL,RANGA REDDY,HYD ERABAD, 2663 TELANGANA TELANGANA 500083

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 2 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:31-12-2023

EMPLOYMENT INFORMATION:
ACCOUNT TYPE DATE OCCUPATION CODE INCOME NET / GROSS INCOME MONTHLY / ANNUAL
REPORTED INDICATOR INCOME INDICATOR

TWO-WHEELER LOAN 31-01-2024 SELF EMPLOYED Not Available Not Available Not Available

SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED

All Accounts TOTAL: 12 HIGH CR/SANC. AMT: 21,28,789 CURRENT: 12,63,144 RECENT: 12-10-2023

OVERDUE: 6 OVERDUE: 14,26,205 OLDEST: 27-09-2017

ZERO-BALANCE: 5

ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

All Enquiries 12 0 4 1 06-06-2024

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 11-11-2019 SANCTIONED: 1,50,000 SUIT FILED /WILFUL DEFAULT: SUIT
ACCOUNT NUMBER: NOT LAST PAYMENT: 16-03-2021 CURRENT BALANCE: 0 FILED
DISCLOSED REPORTED AND CERTIFIED: EMI: 6,792 CREDIT FACILITY STATUS: WRITTEN
TYPE: BUSINESS LOAN - 29-02-2024 PMT FREQ: MONTHLY OFF AND ACCOUNT SOLD
UNSECURED PMT HIST START: 01-02-2024 REPAYMENT TENURE: 36
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-03-2021

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 900 900 900 900 900 872 841 810 780 749 719 688 659 628 598 568 537
02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22

507 476 445 415 384 354 323 295 264 233 203 172 142 111 080 050 XXX XXX
08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 30-09-2020 SANCTIONED: 53,271

ACCOUNT NUMBER: NOT REPORTED AND CERTIFIED: CURRENT BALANCE: 53,271
DISCLOSED 31-10-2023 OVERDUE: 51,735

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 3 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

TYPE: GECL LOAN UNSECURED PMT HIST START: 01-10-2023 EMI: 1,821
OWNERSHIP: JOINT PMT HIST END: 01-11-2020
COLLATERAL TYPE: NO COLLATERAL

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 872 842 811 783 752 721 691 660 630 XXX 568 538
10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22

507 477 446 418 387 356 326 295 265 234 203 173 142 112 081 053 022 021
04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21 01-21 12-20 11-20

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 24-10-2019 SANCTIONED: 2,61,742 CREDIT FACILITY STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 06-12-2019 CURRENT BALANCE: 4,33,489 WRITTEN-OFF
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 2,47,788 WRITTEN OFF (TOTAL): 5,70,095
TYPE: BUSINESS LOAN - 30-06-2024 EMI: 6,108 WRITTEN OFF (PRINCIPAL): 2,51,939
UNSECURED PMT HIST START: 01-06-2024 PMT FREQ: MONTHLY
OWNERSHIP: JOINT PMT HIST END: 01-06-2021 REPAYMENT TENURE: 115

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 879 849 818 788 757 726 696 665 635 604 576
06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23

545 514 484 453 423 386 356 326 296 266 236 206 176 146 116 086 056 025
12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 29-08-2019 SANCTIONED: 2,17,441 CREDIT FACILITY STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 23-06-2021 CURRENT BALANCE: 1,85,242 WRITTEN-OFF
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 1,27,332 WRITTEN OFF (TOTAL): 1,27,332
TYPE: BUSINESS LOAN - GENERAL 30-06-2024 EMI: 1,524
OWNERSHIP: JOINT PMT HIST START: 01-06-2024 PMT FREQ: MONTHLY
PMT HIST END: 01-07-2021 REPAYMENT TENURE: 43
ACTUAL PAYMENT: 69,347

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 882
06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23

851 820 790 759 729 698 667 637 606 576 545 517 485 454 424 393 363 332
12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 28-02-2019 SANCTIONED: 3,00,000 CREDIT FACILITY STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 05-11-2020 CURRENT BALANCE: 2,34,729 WRITTEN-OFF
DISCLOSED OVERDUE: 6,32,410 WRITTEN OFF (TOTAL): 6,49,410

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 4 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

TYPE: PERSONAL LOAN REPORTED AND CERTIFIED: EMI: 9,456 WRITTEN OFF (PRINCIPAL): 2,34,729
OWNERSHIP: JOINT 30-06-2024 PMT FREQ: MONTHLY
PMT HIST START: 01-06-2024 REPAYMENT TENURE: 41
PMT HIST END: 01-07-2021 ACTUAL PAYMENT: 1,294

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900 900
06-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23

900 880 850 819 789 758 727 697 666 636 605 577 545 514 484 453 423 392
12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 25-05-2018 SANCTIONED: 5,00,000

ACCOUNT NUMBER: NOT REPORTED AND CERTIFIED: CURRENT BALANCE: 2,82,226
DISCLOSED 31-10-2023 OVERDUE: 3,48,971
TYPE: BUSINESS LOAN - PRIORITY PMT HIST START: 01-10-2023 EMI: 19,616
SECTOR - SMALL BUSINESS PMT HIST END: 01-11-2020 REPAYMENT TENURE: 36
OWNERSHIP: JOINT
COLLATERAL TYPE: NO COLLATERAL

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

900 900 900 900 900 900 900 900 879 851 820 789 759 728 698 XXX 636 606
10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22

575 545 514 486 455 424 394 363 333 302 271 241 210 180 149 121 090 059
04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21 01-21 12-20 11-20

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 05-11-2019 SANCTIONED: 12,920 CREDIT FACILITY STATUS:
ACCOUNT NUMBER: NOT LAST PAYMENT: 05-11-2020 CURRENT BALANCE: 6,792 RESTRUCTURED DUE TO
DISCLOSED REPORTED AND CERTIFIED: OVERDUE: 17,969 COVID-19
TYPE: PERSONAL LOAN 31-05-2024 REPAYMENT TENURE: 36
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-05-2024
PMT HIST END: 01-06-2021

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

634 603 573 542 513 482 451 421 390 360 329 298 268 XXX 207 176 117 117
05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23 07-23 06-23 05-23 04-23 03-23 02-23 01-23 12-22

086 056 025 000 000 000 XXX 000 000 000 000 000 000 000 000 000 000 000
11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21 06-21

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 12-10-2023 SANCTIONED: 1,03,225

CURRENT BALANCE: 67,395

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 5 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

ACCOUNT NUMBER: NOT REPORTED AND CERTIFIED: EMI: 6,875

DISCLOSED 31-05-2024 PMT FREQ: MONTHLY
TYPE: TWO-WHEELER LOAN PMT HIST START: 01-05-2024 REPAYMENT TENURE: 18
OWNERSHIP: INDIVIDUAL PMT HIST END: 01-10-2023 ACTUAL PAYMENT: 6,875

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000

05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: SBI OPENED: 05-03-2022 SANCTIONED: 2,56,600

ACCOUNT NUMBER: LAST PAYMENT: 05-03-2022 CURRENT BALANCE: 0
00000040830812249 CLOSED: 04-06-2022 EMI: 2,75,332
TYPE: GOLD LOAN REPORTED AND CERTIFIED: REPAYMENT TENURE: 12
OWNERSHIP: INDIVIDUAL 30-06-2022 INTEREST RATE: 7.00
COLLATERAL TYPE: GOLD PMT HIST START: 01-06-2022
PMT HIST END: 01-03-2022

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

STD STD STD STD

06-22 05-22 04-22 03-22

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 02-01-2020 HIGH CREDIT: 590

ACCOUNT NUMBER: NOT LAST PAYMENT: 07-06-2020 CURRENT BALANCE: 0
DISCLOSED CLOSED: 20-10-2020
TYPE: CREDIT CARD REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 31-01-2021
PMT HIST START: 01-01-2021
PMT HIST END: 01-01-2020

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000 000 000 000 000 000
01-21 12-20 11-20 10-20 09-20 08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 29-03-2019 SANCTIONED: 63,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 07-01-2020 CURRENT BALANCE: 0
DISCLOSED CLOSED: 07-01-2020 PMT FREQ: MONTHLY
TYPE: CONSUMER LOAN REPORTED AND CERTIFIED: ACTUAL PAYMENT: 7,627
OWNERSHIP: INDIVIDUAL 31-01-2020
PMT HIST START: 01-01-2020
PMT HIST END: 01-04-2019

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 6 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000 000 000
01-20 12-19 11-19 10-19 09-19 08-19 07-19 06-19 05-19 04-19

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 27-09-2017 SANCTIONED: 2,10,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 04-03-2019 CURRENT BALANCE: 0
DISCLOSED CLOSED: 04-03-2019
TYPE: PERSONAL LOAN REPORTED AND CERTIFIED:
OWNERSHIP: JOINT 31-03-2019
PMT HIST START: 01-03-2019
PMT HIST END: 01-09-2017

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000
03-19 02-19 01-19 12-18 11-18 10-18 09-18 08-18 07-18 06-18 05-18 04-18 03-18 02-18 01-18 12-17 11-17 10-17

000
09-17

ENQUIRIES:

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 06-06-2024 CONSUMER LOAN 20,000

NOT DISCLOSED 11-01-2024 MICROFINANCE - 1,00,000

BUSINESS LOAN

NOT DISCLOSED 07-10-2023 TWO-WHEELER LOAN 10,500

NOT DISCLOSED 14-09-2023 TWO-WHEELER LOAN 85,000

NOT DISCLOSED 12-06-2023 PERSONAL LOAN 25,000

NOT DISCLOSED 05-06-2022 PERSONAL LOAN 25,000

SBI 05-03-2022 GOLD LOAN 2,56,600

NOT DISCLOSED 02-01-2022 TWO-WHEELER LOAN 74,000

NOT DISCLOSED 11-09-2021 CONSUMER LOAN 10,000

NOT DISCLOSED 11-09-2021 CONSUMER LOAN 16,000

NOT DISCLOSED 13-08-2021 CONSUMER LOAN 2,50,000

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 7 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: HEREKAR SWAPNA DATE:18-07-2024

MEMBER ID: BS00115009_SHYD08026 TIME: 22:37:50

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,84,74,43,956

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 15-07-2021 CREDIT CARD 100

END OF REPORT ON HEREKAR SWAPNA

All information contained in this credit report has been collated by TransUnion CIBIL Limited ( TU CIBIL) based on information provided/ submitted by
its various members("Members"), as part of periodic data submission and Members are required to ensure accuracy, completeness and veracity of the
information submitted. The credit report is generated using the proprietary search and match logic of TU CIBIL. TU CIBIL uses its best efforts to ensure
accuracy, completeness and veracity of the information contained in the Report, and shall only be liable and / or responsible if any discrepancies are directly
attributable to TU CIBIL. The use of this report is governed by the terms and conditions of the Operating Rules for TU CIBIL and its Members.

© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 8 OF 8

TransUnion CIBIL CIN : U72300MH2000PLC128359