CONSUMER CIR

CONSUMER: RAMEN KUMAR BORAH DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 11:01:55

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,06,780

CONSUMER INFORMATION:
NAME: RAMEN KUMAR BORAH

DATE OF BIRTH: 31-12-1967 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

CIBIL TRANSUNION SCORE

VERSION 2.0 572 1: LENGTH OF TIME SINCE MOST RECENT ACCOUNT DELINQUENCY IS TOO SHORT.
2: PRESENCE OF ACCOUNT DELINQUENCY IN THE PAST.
3: NUMBER OF ACTIVE TRADES WITH A BALANCE TOO HIGH IN PROPORTION TO TOTAL
TRADES.
4: LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED IS TOO SHORT.

PERSONAL LOAN SCORE

674 1: ONE OR MORE TRADES WITH RESTRUCTURED DEBT IN THE PAST 24 MONTHS.
2: OVER DUE AMOUNT TOO HIGH.
3: PRESENCE OF DELINQUENCY.

POSSIBLE RANGE FOR CIBIL TRANSUNION SCORE VERSION 2.0

Consumers with more than 6 months credit history* : 300 (high risk) to 900 (low risk)
Consumers having less than 6 months credit history* : 1 (high risk) to 5 (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.

POSSIBLE RANGE FOR CIBIL TRANSUNION 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.

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

INCOME TAX ID NUMBER (PAN) AMFPB1484J

VOTER ID NUMBER MLF1194565

TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

OFFICE PHONE(e) 9101116583

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 4

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: RAMEN KUMAR BORAH DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 11:01:55

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,06,780

OFFICE PHONE 9435593322

OFFICE PHONE 9954363806

MOBILE PHONE 9435593322

EMAIL CONTACT(S):

ADDRESS(ES):

ADDRESS(e):RAMEN BORAH ,DHODANG ,, ,GAYANDOYA HIGH SCHOOL , GOLAGHAT ASSAM 785619

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:05-04-2018

ADDRESS(e):MOHURA KAMARGAON ,GOLAGHAT ,, ,NEAR KAMARGAON TINALI , GOLAGHAT ASSAM 785619

CATEGORY:OFFICE ADDRESS RESIDENCE CODE:OWNED DATE REPORTED:09-03-2018

ADDRESS:VIILLAGE - DHODANG -BOSAPATHAR 9IN FRONT OF GYANODOI VIDYALAY) VILL-DHODANG PO-NUMALIGARH GOLAGHAT
ASSAM 785619

CATEGORY:NOT CATEGORIZED RESIDENCE CODE: DATE REPORTED:29-02-2016

ADDRESS:C/O:SARBA BORAH VILL:BOCHAPATHAR GAON, P O:KAMARGAON GOLAGHAT DISTRICT GOLAGHAT ASSAM 785619

CATEGORY:PERMANENT ADDRESS RESIDENCE CODE: DATE REPORTED:02-09-2013

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

HOUSING LOAN 31-01-2018 SALARIED Not Available Not Available Not Available

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

All Accounts TOTAL: 4 HIGH CR/SANC. AMT: 17,74,200 CURRENT: 12,57,027 RECENT: 27-09-2016
OVERDUE: 1 OVERDUE: 17,045 OLDEST: 20-06-2009
ZERO-BALANCE: 1

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

All Enquiries 5 2 1 0 05-04-2018

ACCOUNT(S):

ACCOUNT DATES AMOUNTS STATUS

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 2 OF 4

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: RAMEN KUMAR BORAH DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 11:01:55

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,06,780

MEMBER NAME: UNITED BANK OPENED: 27-09-2016 SANCTIONED: 4,50,000

ACCOUNT NUMBER: 0794306726173
TYPE: HOUSING LOAN
OWNERSHIP: INDIVIDUAL
COLLATERAL VALUE: 2917000
COLLATERAL TYPE: PROPERTY
LAST PAYMENT: 27-01-2018 CURRENT BALANCE: 4,22,037
REPORTED AND CERTIFIED: OVERDUE: 17,045
31-01-2018 EMI: 5,848
PMT HIST START: 01-01-2018 PMT FREQ: MONTHLY
PMT HIST END: 01-09-2016 REPAYMENT TENURE: 120
INTEREST RATE: 8.90

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

065 033 034 034 003 STD STD STD STD STD STD STD STD STD STD STD STD
01-18 12-17 11-17 10-17 09-17 08-17 07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 30-06-2015 SANCTIONED: 10,00,000

ACCOUNT NUMBER: 0794306725156
TYPE: HOUSING LOAN
OWNERSHIP: INDIVIDUAL
COLLATERAL VALUE: 2294000
COLLATERAL TYPE: PROPERTY
LAST PAYMENT: 31-01-2018 CURRENT BALANCE: 8,11,280
REPORTED AND CERTIFIED: EMI: 14,025
31-01-2018 PMT FREQ: MONTHLY
PMT HIST START: 01-01-2018 REPAYMENT TENURE: 120
PMT HIST END: 01-06-2015 INTEREST RATE: 9.65

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

SMA SMA SMA STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
01-18 12-17 11-17 10-17 09-17 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

STD XXX STD XXX STD STD STD STD STD STD XXX STD STD STD
07-16 06-16 05-16 04-16 03-16 02-16 01-16 12-15 11-15 10-15 09-15 08-15 07-15 06-15

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: UNITED BANK OPENED: 27-09-2013 SANCTIONED: 2,95,000

ACCOUNT NUMBER: 0794306723954 CLOSED: 20-09-2016 CURRENT BALANCE: 0
TYPE: BUSINESS LOAN - PRIORITY REPORTED AND CERTIFIED:
SECTOR - AGRICULTURE 30-09-2016
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-09-2016
PMT HIST END: 01-10-2013

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

STD STD STD XXX STD XXX STD STD STD STD STD STD XXX STD STD STD STD XXX
09-16 08-16 07-16 06-16 05-16 04-16 03-16 02-16 01-16 12-15 11-15 10-15 09-15 08-15 07-15 06-15 05-15 04-15

STD STD STD XXX XXX XXX STD STD XXX STD STD XXX STD XXX XXX XXX STD XXX
03-15 02-15 01-15 12-14 11-14 10-14 09-14 08-14 07-14 06-14 05-14 04-14 03-14 02-14 01-14 12-13 11-13 10-13

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 20-06-2009 SANCTIONED: 29,200

ACCOUNT NUMBER: NOT LAST PAYMENT: 29-06-2017 CURRENT BALANCE: 23,710

© 2017 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 3 OF 4

TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
CONSUMER: RAMEN KUMAR BORAH DATE:10-04-2018

MEMBER ID: BN01180794 TIME: 11:01:55

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 2,29,84,06,780

DISCLOSED REPORTED AND CERTIFIED: INTEREST RATE: 12.00

TYPE: KISAN CREDIT CARD 28-02-2018
OWNERSHIP: INDIVIDUAL PMT HIST START: 01-02-2018
COLLATERAL VALUE: 18750 PMT HIST END: 01-02-2016
COLLATERAL TYPE: PROPERTY

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

STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD STD
02-18 01-18 12-17 11-17 10-17 09-17 08-17 07-17 06-17 05-17 04-17 03-17 02-17 01-17 12-16 11-16 10-16 09-16

STD STD STD STD STD STD STD

08-16 07-16 06-16 05-16 04-16 03-16 02-16

ENQUIRIES:

MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT

NOT DISCLOSED 05-04-2018 PERSONAL LOAN 5,70,000

NOT DISCLOSED 15-03-2018 PERSONAL LOAN 3,50,000

NOT DISCLOSED 09-03-2018 PERSONAL LOAN 3,50,000

NOT DISCLOSED 09-05-2014 HOUSING LOAN 13,75,834

UNITED BANK 02-09-2013 PERSONAL LOAN 2,95,000

END OF REPORT ON RAMEN KUMAR BORAH

All information ("Information") contained in this credit information report (CIR) is the current and up to date information collated by TransUnion CIBIL
Limited based on information provided by its various members ("Members"). By accessing and using the Information, the user acknowledges and accepts
the following: While TransUnion CIBIL takes reasonable care in preparing the CIR, TransUnion CIBIL shall not be responsible for errors and/or omissions
caused by inaccurate or inadequate information submitted to it. However, TransUnion CIBIL shall take reasonable steps to ensure accurate reproduction
of the information submitted by the Members and, to the extent statutorily permitted, it shall correct any such inaccuracies in the CIR. Further, TransUnion
CIBIL does not guarantee the adequacy or completeness of the information and/or its suitability for any specific purpose nor is TransUnion CIBIL
responsible for any access or reliance on the CIR. The CIR is not a recommendation by TransUnion CIBIL to any Member to (i) lend or not to lend; (ii)
enter into or not to enter into any financial transaction with the concerned individual/entity. Credit Scores do not form part of the CIR. The use of the CIR is
governed by the provisions of the Credit Information Companies (Regulation) Act, 2005, the Credit Information Companies Regulations, 2006, Credit
Information Companies Rules, 2006 and the terms and conditions of the Operating Rules for TransUnion CIBIL and its Members.

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TransUnion CIBIL CIN : U72300MH2000PLC128359