04/09/2023, 16:29 Consumer Base Report

CONSUMER BASE™ REPORT CHM Ref #:

Prepared For:
UMME230622CR613059632
UMMEED HOUSING FINANCE PVT LTD
For VISHAL TYAGI
Application ID: G500010926001
Date of Request: 22-06-2023 22:03:49
Date of Issue: 22-06-2023

Inquiry Input Information

Name: VISHAL TYAGI DOB/Age: 01-07-1979 / 43 years Gender:

Father: Spouse: Mother:

Phone Numbers: 8476094399 ID(s): 579269566672 [Other] Email ID(s):

Entity Id:

Current Address:

Other Address:

CRIF HM Score(S):

SCORE NAME SCORE SCORING FACTORS

No/minimal missed payments in recent past
Considerably high credit age of open contracts
PERFORM CONSUMER 2.0 691 Score Range : 300-900
Decent number of self/overall loans disbursed in the past
Considerably high utilization of credit limit on self/overall revolving accounts
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

VISHAL TYAGI S O RAMKUMAR TYAGI 30-06-2019 01-07-1979 31-07-2021
VISHAL TYAGI S/O RAMKUMARY 30-04-2023
Phone Variations Reported On
B'VISHAL' B'TYAGI' 30-04-2023
8476094399 31-07-2021
VISHAL TYAGI 31-07-2021
9410340139 28-02-2021
VISHAL TYAGI SO RAMKUMAR T 30-11-2020
9837230285 31-08-2020
Address Variations Reported On
ID Variations Reported On
PASUPATI VIHAR JASPUR KHURD UDDHAM SINGH NAGAR PASUPATI VIHAR JASPUR
KHURD NEAR RUDRAKSH GARDEN UDHAM SINGH NAGAR UTTARANCHAL 244713 31-12-2021 BDPPT3451B [PAN] 31-07-2021
UTTARANCHAL 244713 244713 UK 1 [Voter ID] 28-02-2021
SO RAM KUMAR KUNDESHWARI PASUPATI VIHAR JASPUR KHURD KASHIPUR 244713 10506283 [Voter ID] 31-07-2021
30-04-2023
UK 5512414 [Ration Card] 30-06-2019
PASUPATI VIHAR JASPUR KHURD UDDHAM SINGH NAGAR KASHIPUR - NEAR ROLE 8500NTPT2001 [Driving License] 30-06-2019
31-05-2023
MODEL SCHOOL UDHAM SINGH NAGAR UTTARANCHAL 244713 244713 244713 UK
PASUPATI VIHAR JASPUR KHURD UDDHAM SINGH NAGAR KASHIPUR - NEAR ROLE
28-02-2021
MODEL SCHOOL UDHAM SINGH NAGAR 244713 UK
PASUPATI VIHAR JASPUR KHURD PASUPATI VIH AR JASPUR KHURD KASHIPUR
31-08-2020
KASHIPUR 244713 UK
S/O RAM KUMAR KUNDESHWARI PASUPATI VIHAR JASPUR KHURD KASHIPUR
31-05-2023
UDHAM SINGH NAGAR 244713 UK
PASUPATI VIHAR, JASPUR KHURD NEAR RUDRAKSH GARDEN KASHIPUR 10277
31-07-2021
244713 UK
PASUPATI VIHAR JASPUR KHURD PASUPATI VIH AR JASPUR KHURD NULL KASHIPUR
31-08-2020
UDHAM SINGH NAGAR 244713 UK
PASUPATI VIHAR JASPUR KHURD UDDHAM SINGH NAGAR KASHIPUR - NEAR ROLE
31-05-2023
MODEL SCHOOL UTTARANCHAL 244713 244713 UK
PASUPATI VIHAR JASPUR KHURD KASHIPUR UDH AM SINGH NAGAR UA 244713
30-04-2023
244713 UK
VI-DAURARA PO-REHRA AMROHA ALIC1 244255 UP 30-04-2023
VI-DAURARA PO-REHRA AMROHA 244255 UP 30-06-2019
VILL MILAK NARAYAN PUR TANDA BADLI ROAD VILL MILAK NARAYAN PUR
31-08-2020
KASHIPUR KASHIPUR 244713 UK
MILAK NARAYAN PUR TAHSEEL TANDA RAMPUR TANDA 244925 UP 28-02-2021
VI-DAURARA 244255 UP 30-11-2020

Email ID Variations Reported On

vishaltyagi79@gmail.com 28-02-2021
VT308021@GMAIL.COM 31-05-2023

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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 14 5 0 16,680 2,69,616
Total 14 5 0 16,680 2,69,616

Inquiries in last 24 Months: 1 New Account(s) in last 6 Months: 2 New Delinquent Account(s) in last 6 Months: 0

Account Information

1 Account Type: OTHER Credit Grantor: XXXX Account #: xxxx Info. as of: 30-04-2023

Ownership: INDIVIDUAL Disbursed Date: 03-04-2023 Disbd Amt/High Credit: 8,000

ACTIVE

Credit Limit: Last Payment Date: 30-04-2023 Current Balance: 0

Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 0 Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 - - - 000/STD - - - - - - - -

2 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-05-2023

Ownership: INDIVIDUAL Disbursed Date: 12-12-2022 Disbd Amt/High Credit: 13,000

ACTIVE

Credit Limit: Last Payment Date: 02-06-2023 Current Balance: 3,900

Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: 1,300/Monthly Tenure(month): 10 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - - - - -
2022 - - - - - - - - - - - 000/XXX

3 Account Type: CREDIT CARD Credit Grantor: XXXX Account #: xxxx Info. as of: 31-05-2023

Ownership: INDIVIDUAL Disbursed Date: 18-06-2022 Disbd Amt/High Credit: 22,616

ACTIVE

Credit Limit: 21,000 Last Payment Date: 04-05-2023 Current Balance: 19,273
Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/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 20,854 18-06-2022 27-07-2022

4 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-05-2023

Ownership: INDIVIDUAL Disbursed Date: 15-01-2022 Disbd Amt/High Credit: 37,000

Credit Limit: Last Payment Date: 02-06-2023 Current Balance: 25,213
ACTIV

Cash Limit: Closed Date: Last Paid Amt:

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VE
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - - - - -
2022 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

5 Account Type: BUSINESS LOAN PRIORITY SECTOR AGRICULTURE Credit Grantor: XXXX Account #: xxxx Info. as of: 30-04-2023

Ownership: INDIVIDUAL Disbursed Date: 14-02-2020 Disbd Amt/High Credit: 1,89,000

ACTIVE

Credit Limit: Last Payment Date: Current Balance: -31,706

Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 XXX/STD XXX/STD XXX/STD XXX/STD - - - - - - - -
2022 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD
2021 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD
2020 - - - - XXX/STD XXX/XXX XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD

6 Account Type: OTHER Credit Grantor: XXXX Account #: xxxx Info. as of: 30-04-2023

Ownership: INDIVIDUAL Disbursed Date: 14-11-2021 Disbd Amt/High Credit: 3,000

CLOSED

Credit Limit: Last Payment Date: 01-04-2023 Current Balance: 0

Cash Limit: Closed Date: 02-04-2023 Last Paid Amt:
InstlAmt/Freq: 0 Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2023 000/STD 000/STD 000/STD 000/STD - - - - - - - -
2022 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD 000/STD
2021 - - - - - - - - - - 000/STD 000/STD

7 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-06-2022

Ownership: INDIVIDUAL Disbursed Date: 09-11-2021 Disbd Amt/High Credit: 13,000

CLOSED

Credit Limit: Last Payment Date: 02-04-2022 Current Balance: 0

Cash Limit: Closed Date: 16-05-2022 Last Paid Amt:
InstlAmt/Freq: 1,858/Monthly Tenure(month): 7 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2022 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - - - - -
2021 - - - - - - - - - - 000/XXX 000/XXX

8 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-11-2022

Ownership: INDIVIDUAL Disbursed Date: 20-09-2020 Disbd Amt/High Credit: 20,000

Credit Limit: Last Payment Date: 02-09-2022 Current Balance: 0
CLOSED

Cash Limit: Closed Date: 10-10-2022 Last Paid Amt:

InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

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Payment History/Asset Classification:

January February March April May June July August September October November December
2022 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - -
2021 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX
2020 - - - - - - - - 000/XXX 000/XXX 000/XXX 000/XXX

9 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-09-2021

Ownership: INDIVIDUAL Disbursed Date: 31-08-2020 Disbd Amt/High Credit: 20,698

CLOSED

Credit Limit: Last Payment Date: 02-07-2021 Current Balance: 0

Cash Limit: Closed Date: 21-08-2021 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2021 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - -
2020 - - - - - - - - 000/XXX 000/XXX 000/XXX 000/XXX

10 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 28-02-2021

Ownership: INDIVIDUAL Disbursed Date: 10-07-2020 Disbd Amt/High Credit: 14,500

CLOSED

Credit Limit: Last Payment Date: 02-09-2020 Current Balance: 0

Cash Limit: Closed Date: 31-08-2020 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 - - - - - - 000/XXX 000/XXX - - - -

11 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 28-02-2021

Ownership: INDIVIDUAL Disbursed Date: 10-07-2020 Disbd Amt/High Credit: 14,500

CLOSED

Credit Limit: Last Payment Date: 02-09-2020 Current Balance: 0

Cash Limit: Closed Date: 31-08-2020 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 - - - - - - 000/XXX 000/XXX - - - -

12 Account Type: TWO-WHEELER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-07-2021

Ownership: INDIVIDUAL Disbursed Date: 21-08-2019 Disbd Amt/High Credit: 44,592

CLOSED

Credit Limit: Last Payment Date: Current Balance: 0

Cash Limit: Closed Date: 06-07-2021 Last Paid Amt:
InstlAmt/Freq: 2,441 Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2021 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - - -
2020 000/STD 000/STD 000/STD 028/STD 000/STD 000/STD 029/STD 000/STD 000/STD 000/STD 000/STD 000/STD
2019 - - - - - - - XXX/STD XXX/STD 000/STD 000/STD 000/STD

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13 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 28-02-2021

Ownership: INDIVIDUAL Disbursed Date: 13-04-2019 Disbd Amt/High Credit: 12,990

CLOSED

Credit Limit: Last Payment Date: 02-11-2019 Current Balance: 0

Cash Limit: Closed Date: 06-02-2020 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 000/XXX 000/XXX - - - - - - - - - -
2019 - - - 000/XXX 000/XXX 000/XXX XXX/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

14 Account Type: KISAN CREDIT CARD Credit Grantor: XXXX Account #: xxxx Info. as of: 31-12-2019

Ownership: INDIVIDUAL Disbursed Date: 17-09-2013 Disbd Amt/High Credit:

Credit Limit: Last Payment Date: 31-03-2019 Current Balance: 0
CLOSED

Cash Limit: Closed Date: 31-12-2019 Last Paid Amt:

InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0
Status: Principal Writeoff Amt: 0
Settlement Amt: 0 Total Writeoff Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2019 XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/STD XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX 000/STD
2018 XXX/STD XXX/STD XXX/STD XXX/XXX XXX/XXX XXX/STD XXX/STD XXX/XXX XXX/STD XXX/STD XXX/STD XXX/STD
2017 XXX/XXX XXX/XXX XXX/STD XXX/STD XXX/STD XXX/XXX XXX/STD XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX

Advanced Overlap Report CHM Ref #:

Prepared For:
UMME230622CR613059632
UMMEED HOUSING FINANCE PVT LTD
vishal tyagi
Date of Request: 22-06-2023 22:03:49
Date of Issue: 22-06-2023

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:
UMME230622CR613059632
UMMEED HOUSING FINANCE PVT LTD
Date of Request: 22-06-2023 22:03:49
Date of Issue: 22-06-2023

Tip: All amounts are in INR

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

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).

Copyrights reserved (c) 2023 CRIF High Mark Credit Information Services Pvt. Ltd Company Confidential Data

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04/09/2023, 16:29 Consumer Base Report

GROUP DETAILS CHM Ref #:

Prepared For:
UMME230622CR613059632
UMMEED HOUSING FINANCE PVT LTD
Date of Request: 22-06-2023 22:03:49
Date of Issue: 22-06-2023

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

XXXX 30-04-2022 Credit Card 1,000
-END OF INDIVIDUAL REPORT-

Appendix

Section Code Description

Account Summary Number of Delinquent Accounts Indicates number of accounts that the applicant has defaulted on within the last 6 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

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).

Copyrights reserved (c) 2023 CRIF High Mark Credit Information Services Pvt. Ltd Company Confidential Data

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