CCONSUMER BASE ™ CHM Ref #:

Prepared For:
IDFC250627CR209728066
IDFC
REPORT Application ID: 0608006444
For SANJAY KUMAR DHRUW Date of
27-06-2025 [Link]
Request:
Date of Issue: 27-06-2025

Inquiry Input Information

Name: SANJAY KUMAR DHRUW DOB/Age: 17-07-1986 Gender: MALE

Father: Spouse: Mother:

Phone Numbers: 8085095017 ID(s): XXXXXXXX6380 [UID] Email ID(s):

GXGPD7334M [PAN]

Entity Id:

Current Address: bajarang chouk reseda, po raseda, BALODA BAZAR 493332 CG

Other Address:

CRIF HM Score(S):

SCORE NAME SCORE SCORING FACTORS

Very recent delinquency observed
PERFORM CONSUMER 2.2 510 Score Range : 300-900 Delinquency observed in recent past
Delinquency observed in the past
Tip: Positive impact on credit score Negative impact on credit score

Personal Information - Variations

Tip: These are applicant's personal information variations as contributed by various financial institutions.

Name Variations Reported On DOB Variations Reported On

SANJAY KUMAR DHRUW S/O SAVAN KUMAR DHRUW 31-05-2025 17-07-1986 31-05-2025
SANJAY KUMAR DHRUW 31-05-2025
SANJAY DHRW DHRUW 15-03-2025 Phone Variations Reported On
7224031663 31-05-2025
Address Variations Reported On
NUVOCO CEMENT PLANT RISDA BALODA BAZAR BALODA BAZAR RAIPUR ID Variations Reported On
31-05-2025
493332 493332 CG GXGPD7334M [PAN] 15-03-2025
BAJARANG CHOUK RASEDA RASEDA BALODA BAZAR RAIPUR CHHATTISGARH SDN1005644 [Voter ID] 31-05-2025
15-06-2025
493332 493332 CG
BAJARANG CHOUK RASEDA BALODA BAZAR RAIPUR 493332 493332 CG 31-05-2025
HNO 244 MANDIR CHOUNK RASEDA TEH BALODA BAZAR DIST RAIPUR
31-05-2025
RASEDAMANDIR CHUNK CHUNKRAIPUR 493332 CG

Email ID Variations Reported On

sanjaydhruw654@[Link] 15-03-2025

Tip: All amounts are in INR.

Account Summary
Tip: Current Balance & Disbursed Amount is considered ONLY for ACTIVE accounts.

Type Number of Account(s) Active Account(s) Overdue Account(s) Current Balance Amt Disbd/ High Credit
Primary Match 7 3 4 4,080 2,000
Total 7 3 4 4,080 2,000

Inquiries in last 24 Months: 5 New Account(s) in last 6 Months: 0 New Delinquent Account(s) in last 6 Months: 0

Account Information
1 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 15-06-2025
ACTIVE

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2025 Company Confidential Data
Ltd
 Ownership: INDIVIDUAL Disbursed Date: 15-04-2024 Disbd Amt/High Credit: 1,000
Credit Limit: Last Payment Date: Current Balance: 2,080
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 1 Overdue Amt: 2,080

Payment History/Asset Classification:

January February March April May June July August September October November December
2025 265/XXX 293/XXX 324/XXX 354/XXX 385/XXX 400/XXX - - - - - -
2024 - - - XXX/STD 020/XXX 050/XXX 081/XXX 112/XXX 142/XXX 173/XXX 203/XXX 234/XXX

2 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 15-06-2025
ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 10-04-2024 Disbd Amt/High Credit: 500

Credit Limit: Last Payment Date: Current Balance: 1,000
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 1 Overdue Amt: 1,000

Payment History/Asset Classification:

January February March April May June July August September October November December
2025 270/XXX 298/XXX 329/XXX 359/XXX 390/XXX 405/XXX - - - - - -
2024 - - - 004/XXX 025/XXX 055/XXX 086/XXX 117/XXX 147/XXX 178/XXX 208/XXX 239/XXX

3 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 15-06-2025
ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 10-04-2024 Disbd Amt/High Credit: 500

Credit Limit: Last Payment Date: Current Balance: 1,000
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 1 Overdue Amt: 1,000

Payment History/Asset Classification:

January February March April May June July August September October November December
2025 270/XXX 298/XXX 329/XXX 359/XXX 390/XXX 405/XXX - - - - - -
2024 - - - 004/XXX 025/XXX 055/XXX 086/XXX 117/XXX 147/XXX 178/XXX 208/XXX 239/XXX

4 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-04-2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 10-04-2024 Disbd Amt/High Credit: 500

Credit Limit: Last Payment Date: 10-04-2024 Current Balance: 0
Cash Limit: Closed Date: 10-04-2024 Last Paid Amt: 494
InstlAmt/Freq: Tenure(month): 1 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 - - - 000/XXX - - - - - - - -

5 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-04-2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 17-03-2024 Disbd Amt/High Credit: 1,000

Credit Limit: Last Payment Date: 10-04-2024 Current Balance: 0
Cash Limit: Closed Date: 10-04-2024 Last Paid Amt: 1,040
InstlAmt/Freq: Tenure(month): 1 Overdue Amt: 0

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2025 Company Confidential Data
Ltd
 Payment History/Asset Classification:

January February March April May June July August September October November December
2024 - - 000/XXX 000/XXX - - - - - - - -

6 Account Type: TWO-WHEELER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-05-2025
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 25-03-2022 Disbd Amt/High Credit: 55,128

Credit Limit: Last Payment Date: 29-05-2025 Current Balance: 0
Cash Limit: Closed Date: 31-05-2025 Last Paid Amt: 65,790
InstlAmt/Freq: 2,918/Monthly Tenure(month): 24 Overdue Amt: 0
Status: No Suit filed/Settled Principal Writeoff Amt: 3,373
Settlement Amt: 19,162 Total Writeoff Amt: 19,161

Payment History/Asset Classification:

January February March April May June July August September October November December
2025 478/SUB 506/SUB 506/SUB 536/SUB 000/STD - - - - - - -
2024 173/SUB 202/SUB 233/SUB 263/SUB 294/SUB 324/SUB 355/SUB 386/SUB 385/SUB 416/SUB 446/SUB 477/SUB
2023 020/STD 017/STD 020/STD 050/STD 050/STD 050/STD 050/STD 051/STD 081/STD 112/SUB 142/SUB 173/SUB
2022 - - - - - 019/STD 020/STD 020/STD 019/STD 020/STD 019/STD 020/STD

7 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-05-2025
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 29-01-2022 Disbd Amt/High Credit: 60,000

Credit Limit: Last Payment Date: 09-09-2024 Current Balance: 34,122
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 43,236
Status: No Suit filed/Written-off Principal Writeoff Amt: 35,900
Settlement Amt: Total Writeoff Amt: 35,900

Payment History/Asset Classification:

January February March April May June July August September October November December
2025 452/XXX 480/XXX 511/XXX 541/XXX 572/XXX - - - - - - -
2024 117/XXX 147/XXX 177/XXX 207/XXX 239/XXX 268/XXX 299/XXX 330/XXX 329/XXX 360/XXX 390/XXX 421/XXX
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 025/XXX 055/XXX 087/XXX
2022 - - - - - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

Linked Accounts:
Account Number Credit Limit High Credit Amount Overdue Disbursed Date Closed Date Last Payment Date
XXXX 60,000 0 29-01-2022 14-06-2022

AA DVANCED O VERLAP REPORT CHM Ref #:

Prepared For:
IDFC250627CR209728066
IDFC
Sanjay Kumar Dhruw
Date of
27-06-2025 [Link]
Request:
Date of Issue: 27-06-2025

Tip: All amounts are in INR

Summary
Tip: Current Balance, Disbursed Amount & Instalment Amount is considered ONLY for ACTIVE account

Association Account Summary Disbursed Amount Instalment Amount Current Balance

Type
Own Other Active Closed Default Own Other Own Other Own Other
Primary Match 0 0 0 0 0 - - - - - -
Secondary Match 0 0 0 0 0 - - - - - -

Account Details - Primary

GROUP DETAILS CHM Ref #:

Prepared For:
IDFC250627CR209728066
IDFC
Date of
27-06-2025 [Link]
Request:
Date of Issue: 27-06-2025

Tip: All amounts are in INR

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2025 Company Confidential Data
Ltd
 Summary
Tip: Current Balance, Disbursed Amount & Instalment Amount is considered ONLY for ACTIVE account

Association Account Summary Disbursed Amount Instalment Amount Current Balance

Type
Own Other Active Closed Default Own Other Own Other Own Other
Primary Match 0 0 0 0 0 - - - - - -
Secondary Match 0 0 0 0 0 - - - - - -

Account Details - Primary

Inquiries (reported for past 24 months)

Credit Grantor Date of Inquiry Purpose Amount Remark
IDFC 13-09-2023 OTHER 1,50,000
XXXX 29-09-2024 Personal Loan 0
XXXX 07-09-2024 OTHER 40,000
XXXX 11-06-2023 Personal Loan 0
XXXX 18-03-2025 Personal Loan 0
-END OF INDIVIDUAL REPORT-

Appendix
Section Code Description
Indicates number of accounts that the applicant has defaulted on within the last 6
Account Summary Number of Delinquent Accounts
months
Account Information - Credit Grantor XXXX Name of grantor undisclosed as credit grantor is different from inquiring institution
Account Information - Account # xxxx Account Number undisclosed as credit grantor is different from inquiring institution
Payment History / Asset Classification XXX Data not reported by institution
Payment History / Asset Classification - Not applicable
Payment History / Asset Classification STD Account Reported as STANDARD Asset
Payment History / Asset Classification SUB Account Reported as SUB-STANDARD Asset
Payment History / Asset Classification DBT Account Reported as DOUBTFUL Asset
Payment History / Asset Classification LOS Account Reported as LOSS Asset
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Account Information - Account # CI-Ceased/Membership Terminated Credit Institution has Ceased to Operate or Membership Terminated
Account Information - Account # License Cancelled Entities License of the credit institution cancelled by RBI

Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIF
High Mark may not be used or disclosed to others, except with the written permission of CRIF High Mark. Any paper copy of this
document will be considered uncontrolled. If you are not the intended recipient, you are not authorized to read, print, retain, copy,
disseminate, distribute, or use this information or any part thereof. PERFORM score provided in this document is joint work of CRIF
SPA (Italy) and CRIF High Mark (India).
CRIF High Mark Credit Information Services Pvt.
Copyrights reserved (c) 2025 Company Confidential Data
Ltd