Credit Assessment Report

Personal Information
Name: PUNAM DEVI Enq No: 43251043414 Enq Date: 15/05/2025

DOB: 01/01/1981 Age: Gender:

PAN No. Aadhar No. XXXXXXXXXXXX Voter ID: XFT5240569

Phone No.: 8429151685 Alternate No. Email ID:

Current Address: 1,OJHVALIYA,LUXMIPUR,KUSHINAGAR

Report Date: 15/05/2025 Report Valid Till:

Score & Eligible Amount Details

MFI : 802 Retail : 759 Amount Eligible : 100,000.00

Credit Summary
Unity Other FI Total

Cumulative Disbursement Amount 0.00 715,095.00 715,095.00

No. of lenders 0 2 2.00

Cumulative Disbursement Amount 0.00 160,000.00 160,000.00

Principal Outstanding 0.00 23,333.00 23,333.00

No. of Loans 0 2 2.00
Active Loan EMI Serviced 0.00 7,800.00 7,800.00

No. of loans in DPD 0 0 0.00

Highest DPD 0 0

Overdue Amount 0.00 0.00 0.00

Restructured Loan Accounts

Cumulative Disbursement Amount 0.00 555,095.00 555,095.00
No. of Loans 0 18 18.00
No. of loans in DPD 0 0 0.00

Highest DPD 0 0

Overdue Amount 0.00 0.00 0.00

Closed Loan
Write-Off Loan Accounts 0 0 0.00
Write-Off Amount 0.00 0.00 0.00
Restructured Loan Accounts

Settlement Accounts
Post Write-off Settlement Accounts

Active Loans
SLNO Lender Account Type Disbursed Date Current Overdue Date
Amount Opened Balance Amount Reported

1 Others Retail 120,000.00 2024-01-23 52,140.00 0.00 2025-04-15

2 Others Microfinance 40,000.00 2024-05-04 23,333.00 0.00 2025-04-15

 Closed Loans
SLNO Lender Account Type Disbursed Date Date Overdue Write-Off Settlement
Amount Opened Closed Amount Amount Amount
1 Others Microfinance 15,000.00 2015-04-30 2016-04-30 0.00 0.00
2 Others Microfinance 20,000.00 2015-07-09 2016-09-14 0.00 0.00
3 Others Microfinance 40,000.00 2016-05-05 2018-05-31 0.00 0.00
4 Others Microfinance 30,000.00 2016-09-14 2018-02-13 0.00 0.00
5 Others Microfinance 5,000.00 2016-12-27 2018-01-02 0.00 0.00
6 Others Microfinance 26,150.00 2017-06-23 2018-06-08 0.00 0.00
7 Others Microfinance 35,000.00 2018-02-13 2019-12-11 0.00 0.00
8 Others Microfinance 29,579.00 2018-07-13 2018-07-27 0.00 0.00
9 Others Microfinance 29,579.00 2018-08-17 2019-08-02 0.00 0.00
10 Others Microfinance 32,148.00 2019-08-16 2021-02-05 0.00 0.00
11 Others Microfinance 45,000.00 2019-12-11 2021-09-16 0.00 0.00
12 Others Microfinance 32,591.00 2020-01-10 2021-02-19 0.00 0.00
13 Others Microfinance 60,000.00 2020-03-07 2021-12-14 0.00 0.00
14 Others Microfinance 18,007.00 2020-07-17 2021-02-19 0.00 0.00
15 Others Microfinance 6,753.00 2021-02-05 2021-02-19 0.00 0.00
16 Others Microfinance 35,288.00 2021-02-22 2024-02-16 0.00 0.00
17 Others Microfinance 50,000.00 2021-09-16 2023-05-05 0.00 0.00
18 Others Microfinance 45,000.00 2023-08-21 2025-03-18 0.00 0.00

Repeat Customer Track Record

Type of Loan Loan EMI MOB’s MOB’s Current DPD in Overdue Last Status
Amount Amount Serviced Pending POS latest 12 Amount Payment (Active /
(No. of (No. of MOB’s Upto Closed)
EMI EMI (Month -
Serviced) Pending) year)
 Individual Loan Details

Lender Name BANK Sanction Amount 120,000.00

Account No. ********** Current Balance 52,140.00

Disbursement Date 2024-01-23 Overdue Amount 0.00
Reported date 2025-04-15 Write-Off Amount 0.00

Loan Type Retail EMI 5,600.00

Account Status Current Account Last received amount 1,400.00
Last Repayment Closure date
Date 2025-04-14

Purpose Business Loan - Secured

key 04-25 03-25 02-2501-25 12-24 11-24 10-24 09-24 08-24 07-2406-24 05-24 04-24 03-24 02-24
Payment Status 000 000 000 000 000 000 000 STD STD STD STD STD STD * STD

Lender Name Satin Credit Care Network Ltd Sanction Amount 20,000.00

Account No. 002780005241 Current Balance 0.00

Disbursement Date 2015-07-09 Overdue Amount 0.00
Reported date 2017-04-28 Write-Off Amount 0.00

Loan Type Microfinance EMI 410.00

Account Status Closed Account Last received amount 410.00
Last Repayment Closure date
Date 2016-09-14 2016-09-14

Purpose A05
key 04-17 03-17 02-1701-17 12-16 11-16 10-16 09-16 08-16 07-1606-16 05-16 04-16 03-16 02-16 01-16 12-15 11-15 10-15 09-15 08-15 07-15
Payment Status CLSD* * * CLSD* 000 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW NEW

Lender Name Utkarsh Small Finance Bank Ltd Sanction Amount 60,000.00

Account No. 1169090000030365 Current Balance 0.00

Disbursement Date 2020-03-07 Overdue Amount 0.00
Reported date 2021-12-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,900.00

Account Status Closed Account Last received amount 1,450.00
Last Repayment Closure date
Date 2021-12-14 2021-12-14

Purpose GENERAL-KIRANA STORE

key 12-21 11-21 10-2109-21 08-21 07-21 06-21 05-21 04-21 03-2102-21 01-21 12-20 11-20 10-20 09-20 08-20 07-20 06-20 05-20 04-20 03-20
Payment Status CLSD000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Satin Credit Care Network Ltd Sanction Amount 35,000.00

Account No. 2374377 Current Balance 0.00

Disbursement Date 2018-02-13 Overdue Amount 0.00
Reported date 2020-02-29 Write-Off Amount 0.00

Loan Type Microfinance EMI 1,680.00

Account Status Closed Account Last received amount 840.00
Last Repayment Closure date
Date 2019-12-11 2019-12-11

Purpose AGRICULTURE
key 02-20 01-20 12-1911-19 10-19 09-19 08-19 07-19 06-19 05-1904-19 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
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Lender Name AU Small Finance Bank Limited Sanction Amount 40,000.00

Account No. 24900005358276 Current Balance 23,333.00

Disbursement Date 2024-05-04 Overdue Amount 0.00
Reported date 2025-04-15 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,200.00

Account Status Current Account Last received amount 2,200.00
Last Repayment Closure date
Date 2025-04-02

Purpose COW BUSINESS

key 04-25 03-25 02-2501-25 12-24 11-24 10-24 09-24 08-24 07-2406-24 05-24
Payment Status 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Satin Credit Care Network Ltd Sanction Amount 30,000.00

Account No. 2780011820 Current Balance 0.00

Disbursement Date 2016-09-14 Overdue Amount 0.00
Reported date 2018-04-30 Write-Off Amount 0.00

Loan Type Microfinance EMI 900.00

Account Status Closed Account Last received amount 450.00
Last Repayment Closure date
Date 2018-02-13 2018-02-13

Purpose AGRICULTURE
key 04-18 03-18 02-1801-18 12-17 11-17 10-17 09-17 08-17 07-1706-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 000 01+ 000 000 NEW NEW

Lender Name Satin Credit Care Network Ltd Sanction Amount 5,000.00

Account No. 2780012664 Current Balance 0.00

Disbursement Date 2016-12-27 Overdue Amount 0.00
Reported date 2018-03-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 440.00

Account Status Closed Account Last received amount 220.00
Last Repayment Closure date
Date 2018-01-02 2018-01-02

Purpose EMERGENCY
key 03-18 02-18 01-1812-17 11-17 10-17 09-17 08-17 07-17 06-1705-17 04-17 03-17 02-17 01-17
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 01+ 01+ 000 000 NEW

Lender Name Jana Small Finance Bank Ltd Sanction Amount 15,000.00

Account No. 32088140026511 Current Balance 0.00

Disbursement Date 2015-04-30 Overdue Amount 0.00
Reported date 2016-07-07 Write-Off Amount 0.00

Loan Type Microfinance EMI 0.00

Account Status Closed Account Last received amount 0.00
Last Repayment Closure date
Date 2016-04-30

Purpose A - BUYING EBUSINESS

key 07-16 06-16 05-1604-16 03-16 02-16 01-16 12-15 11-15 10-1509-15 08-15 07-15 06-15 05-15
Payment Status CLSDCLSD * 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Jana Small Finance Bank Ltd Sanction Amount 40,000.00

Account No. 32088190005466 Current Balance 0.00

Disbursement Date 2016-05-05 Overdue Amount 0.00
Reported date 2018-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,150.00

Account Status Closed Account Last received amount 2,150.00
Last Repayment Closure date
Date 2018-05-31 2018-05-31

Purpose A - BUYING EQUIPMENT

key 07-18 06-18 05-1804-18 03-18 02-18 01-18 12-17 11-17 10-1709-17 08-17 07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16 08-16
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Lender Name RBL Bank Limited Sanction Amount 45,000.00

Account No. 5555881016722778 Current Balance 0.00

Disbursement Date 2023-08-21 Overdue Amount 0.00
Reported date 2025-04-15 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,410.00

Account Status Closed Account Last received amount 2,410.00
Last Repayment Closure date
Date 2025-03-18 2025-03-18

Purpose MARGINAL FARMERS

key 04-25 03-25 02-2501-25 12-24 11-24 10-24 09-24 08-24 07-2406-24 05-24 04-24 03-24 02-24 01-24 12-23 11-23 10-23 09-23 08-23
Payment Status CLSDCLSD 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Satin Credit Care Network Ltd Sanction Amount 45,000.00

Account No. 8001047604 Current Balance 0.00

Disbursement Date 2019-12-11 Overdue Amount 0.00
Reported date 2021-11-30 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,494.00

Account Status Closed Account Last received amount 1,247.00
Last Repayment Closure date
Date 2021-09-16 2021-09-16

Purpose AGRICULTURE
key 11-21 10-21 09-2108-21 07-21 06-21 05-21 04-21 03-21 02-2101-21 12-20 11-20 10-20 09-20 08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20 12-19
Payment Status CLSDCLSD CLSDRCV RCV RCV 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Satin Credit Care Network Ltd Sanction Amount 50,000.00

Account No. 8007354774 Current Balance 0.00

Disbursement Date 2021-09-16 Overdue Amount 0.00
Reported date 2023-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,500.00

Account Status Closed Account Last received amount 1,250.00
Last Repayment Closure date
Date 2023-05-05 2023-05-05

Purpose TRANSPORTATION
key 07-23 06-23 05-2304-23 03-23 02-23 01-23 12-22 11-22 10-2209-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 35,288.00

Account No. L3090490102085201-4111655000003732 Current Balance 0.00

Disbursement Date 2021-02-22 Overdue Amount 0.00
Reported date 2024-04-30 Write-Off Amount 0.00

Loan Type Microfinance EMI 1,200.00

Account Status Closed Account Last received amount 300.00
Last Repayment Closure date
Date 2024-02-16 2024-02-16

Purpose LIVESTOCKS
key 04-24 03-24 02-2401-24 12-23 11-23 10-23 09-23 08-23 07-2306-23 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
Payment Status CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Lender Name Indusind Bank Limited Sanction Amount 29,579.00

Account No. L309049220062104-4111655000003732 Current Balance 0.00

Disbursement Date 2018-07-13 Overdue Amount 0.00
Reported date 2018-08-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,600.00

Account Status Closed Account Last received amount 650.00
Last Repayment Closure date
Date 2018-07-27 2018-07-27

Purpose 0302
key 08-18 07-18
Payment Status CLSDCLSD

Lender Name Indusind Bank Limited Sanction Amount 26,150.00

Account No. L309341010032103-4111655000003732 Current Balance 0.00

Disbursement Date 2017-06-23 Overdue Amount 0.00
Reported date 2018-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,092.00

Account Status Closed Account Last received amount 523.00
Last Repayment Closure date
Date 2018-06-08 2018-06-08

Purpose 0624
key 07-18 06-18 05-1804-18 03-18 02-18 01-18 12-17 11-17 10-1709-17 08-17 07-17 06-17
Payment Status CLSDCLSD 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 29,579.00

Account No. L309384020042105-4111655000003732 Current Balance 0.00

Disbursement Date 2018-08-17 Overdue Amount 0.00
Reported date 2019-12-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,600.00

Account Status Closed Account Last received amount 650.00
Last Repayment Closure date
Date 2019-08-02 2019-08-02

Purpose 0302
key 12-19 11-19 10-1909-19 08-19 07-19 06-19 05-19 04-19 03-1902-19 01-19 12-18 11-18 10-18 09-18 08-18
Payment Status CLSDCLSD CLSDCLSD CLSD000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 32,148.00

Account No. L309384020042106-4111655000003732 Current Balance 0.00

Disbursement Date 2019-08-16 Overdue Amount 0.00
Reported date 2021-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,400.00

Account Status Closed Account Last received amount 600.00
Last Repayment Closure date
Date 2021-02-05 2021-02-05

Purpose 0302
key 07-21 06-21 05-2104-21 03-21 02-21 01-21 12-20 11-20 10-2009-20 08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20 12-19 11-19 10-19 09-19 08-19
Payment Status CLSDCLSD CLSDCLSD CLSDCLSD 30+ 01+ 01+ 01+ 000 000 000 000 000 000 000 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 32,591.00

Account No. L309384020042402-4111655000003732 Current Balance 0.00

Disbursement Date 2020-01-10 Overdue Amount 0.00
Reported date 2021-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 2,000.00

Account Status Closed Account Last received amount 500.00
Last Repayment Closure date
Date 2021-02-19 2021-02-19

Purpose 0303
key 07-21 06-21 05-2104-21 03-21 02-21 01-21 12-20 11-20 10-2009-20 08-20 07-20 06-20 05-20 04-20 03-20 02-20 01-20
Payment Status CLSDCLSD CLSDCLSD CLSDCLSD 30+ 01+ 01+ 01+ 000 000 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 18,007.00

Account No. L3093840200480001-4111655000003732 Current Balance 0.00

Disbursement Date 2020-07-17 Overdue Amount 0.00
Reported date 2021-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 1,600.00

Account Status Closed Account Last received amount 400.00
Last Repayment Closure date
Date 2021-02-19 2021-02-19

Purpose 0303
key 07-21 06-21 05-2104-21 03-21 02-21 01-21 12-20 11-20 10-2009-20 08-20 07-20
Payment Status CLSDCLSD CLSDCLSD CLSDCLSD 000 000 000 000 000 000 NEW

Lender Name Indusind Bank Limited Sanction Amount 6,753.00

Account No. L3093840200485101-4111655000003732 Current Balance 0.00

Disbursement Date 2021-02-05 Overdue Amount 0.00
Reported date 2021-07-31 Write-Off Amount 0.00

Loan Type Microfinance EMI 600.00

Account Status Closed Account Last received amount 150.00
Last Repayment Closure date
Date 2021-02-19 2021-02-19

Purpose 0524
key 07-21 06-21 05-2104-21 03-21 02-21
Payment Status CLSDCLSD CLSDCLSD CLSDCLSD

Enquiries

Institution Date Purpose Amount

FINANCE 2024-11-30 01 75,000.00