Credit Score & Report

Date : 06/02/2025 Control Number : 8,700,706,051

Your CIBIL Score Where You Stand

17% 778-900

20% 765-777

703 900
21% 748-764

300 22% 723-747

As of 06/02/2025.
20% 300-722 703
Based on the Transunion CIBIL data

Personal Information
Personal Details
Name BISWAS CHANCHAL

DOB 12/12/1982

Gender Male

Identification

Identification Type Number Issue Date Expiration Date

Income Tax ID Number (PAN) BEGPB6234N - -

Voter ID Number DMB1593532 - -

Driver's License Number 60095240136447 - -

CKYC 60081001478640 - -

Contact Information
Address History

Address Category Residence Code Date Reported

MADHYAPARA MAUJA DOGACHI J L, NO 113 Residence Address - 24/07/2020

DIS T NADIA, , ; DOGACHI; West Bengal 741185

MAA TARA BAG CENTER- ALL KINDS OF BAG Not Categorized - 11/11/2010
MA VILL-DOGACHI (MADHYAPARA) PO-
DOGACHI PS- DIST-NADIA NEAR PANCHAYET
OFFICE West Bengal 741185
M/S CHANCHAL BISWAS-FOAMBAGFAC VILL Not Categorized - 11/11/2010
MADHYAPARA DOGACHI PO DOGACHI PS KO
TWALI DIST NADIA KOTWALI. West Bengal
741185

Telephone Numbers

Telephone Number Type Telephone Number Telephone Extension

Office Phone 9434419917

Mobile Phone 9434419917

Email Addresses

Email Addresses

NA@NA.NA

Employment Information
Employment Data

Account Type Gold Loan

Date Reported 31/03/2024

Occupation Others

Income -
Monthly / Annual Income Indicator -

Net / Gross Income Indicator -

Account Information
Accounts

Member Name Account Type Account Number Ownership

BOI Mudra Loans – Shishu / 412265910000002 Individual

Kishor / Tarun

Account Details

Credit Limit -

Sanctioned Amount 76,000

Current Balance 27,870

Cash Limit -

Amount Overdue 2,537

Rate of Interest 9.35

Repayment Tenure 54

EMI Amount 2,111

Payment Frequency Monthly

Actual Payment Amount 56,911

Date Opened / Disbursed 26/06/2021

Date Closed -

Date of Last Payment 03/01/2025

Date Reported And Certified 22/01/2025

Value of Collateral -

Type of Collateral Property

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/02/2022

Payment End Date 01/01/2025

Jan 2025 54 Jan 2024 30

Dec 2024 32 Dec 2023 63

Nov 2024 62 Nov 2023 32

Oct 2024 63 Oct 2023 63

Sep 2024 63 Sep 2023 32

Aug 2024 63 Aug 2023 63

Jul 2024 63 Jul 2023 32

Jun 2024 62 Jun 2023 1

May 2024 42 May 2023 63

Apr 2024 88 Apr 2023 32

Mar 2024 62 Mar 2023 61

Feb 2024 62 Feb 2023 STD

Jan 2023 STD

Dec 2022 STD

Nov 2022 STD

Oct 2022 STD

Sep 2022 STD

Aug 2022 STD

Jul 2022 STD

 Jun 2022 STD

May 2022 STD

Apr 2022 STD

Mar 2022 STD

Feb 2022 STD

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

BANDHAN BANK Gold Loan 90001133003760 Individual

Account Details

Credit Limit -

Sanctioned Amount 80,900

Current Balance 80,721

Cash Limit -

Amount Overdue 80,721

Rate of Interest 16.50

Repayment Tenure 11
EMI Amount 80,900

Payment Frequency Monthly

Actual Payment Amount 80,900

Date Opened / Disbursed 21/02/2024

Date Closed -

Date of Last Payment 07/01/2025

Date Reported And Certified 15/01/2025

Value of Collateral 1,08,960

Type of Collateral Gold

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/02/2024

Payment End Date 01/01/2025

 Jan 2025 11

Dec 2024 0

Nov 2024 26

Oct 2024 0

Sep 2024 0

Aug 2024 0

Jul 2024 0

Jun 2024 0

May 2024 88

Apr 2024 57

Mar 2024 27

Feb 2024 0

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

BANDHAN BANK Gold Loan 73220000320552 Joint

Account Details
Credit Limit -

Sanctioned Amount 65,600

Current Balance 0

Cash Limit -

Amount Overdue 0

Rate of Interest 15.75

Repayment Tenure 24

EMI Amount 819

Payment Frequency Monthly

Actual Payment Amount 819

Date Opened / Disbursed 25/07/2022

Date Closed 21/02/2024

Date of Last Payment 21/02/2024

Date Reported And Certified 29/02/2024

Value of Collateral -

Type of Collateral No Collateral

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/07/2022

Payment End Date 01/02/2024

Feb 2024 0 Feb 2023 55

Jan 2024 27 Jan 2023 27

Dec 2023 0 Dec 2022 0

Nov 2023 0 Nov 2022 57

Oct 2023 0 Oct 2022 27

Sep 2023 0 Sep 2022 0

Aug 2023 58 Aug 2022 0

Jul 2023 27 Jul 2022 0

Jun 2023 26

May 2023 57

Apr 2023 26
 Mar 2023 5

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

BANDHAN BANK Gold Loan 73200000207343 Individual

Account Details

Credit Limit -

Sanctioned Amount 57,200

Current Balance 0

Cash Limit -

Amount Overdue 0

Rate of Interest 16.00

Repayment Tenure 24

EMI Amount -

Payment Frequency Monthly

Actual Payment Amount -

Date Opened / Disbursed 24/07/2020

Date Closed 25/07/2022

Date of Last Payment 25/07/2022

Date Reported And Certified 31/12/2022

Value of Collateral -

Type of Collateral No Collateral

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/07/2020

Payment End Date 01/12/2022

Dec 2022 0 Dec 2021 57

Nov 2022 0 Nov 2021 26

Oct 2022 0 Oct 2021 88

Sep 2022 0 Sep 2021 57

Aug 2022 0 Aug 2021 27

Jul 2022 0 Jul 2021 27

Jun 2022 0 Jun 2021 0

May 2022 27 May 2021 0

Apr 2022 0 Apr 2021 26

Mar 2022 27 Mar 2021 24

Feb 2022 0 Feb 2021 0

Jan 2022 27 Jan 2021 64

Dec 2020 33

Nov 2020 0

Oct 2020 62

Sep 2020 32

Aug 2020 0

Jul 2020 0

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard
BOI Loan Against Bank Deposits 412261110000188 Individual

Account Details

Credit Limit -

Sanctioned Amount 3,50,000

Current Balance 0

Cash Limit -

Amount Overdue 0

Rate of Interest 9.30

Repayment Tenure -

EMI Amount -

Payment Frequency -

Actual Payment Amount -

Date Opened / Disbursed 04/02/2016

Date Closed 01/10/2016

Date of Last Payment -

Date Reported And Certified 01/10/2016

Value of Collateral -
Type of Collateral Saving Account and Fixed Deposit

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/02/2016

Payment End Date 01/10/2016

Oct 2016 0

Sep 2016 STD

Aug 2016 STD

Jul 2016 STD

Jun 2016 STD

May 2016 STD

Apr 2016 STD

Mar 2016 STD

 Feb 2016 STD

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

BOI Loan Against Bank Deposits 412261110000187 Individual

Account Details

Credit Limit -

Sanctioned Amount 50,000

Current Balance 0

Cash Limit -

Amount Overdue 0

Rate of Interest -

Repayment Tenure -

EMI Amount -

Payment Frequency -

Actual Payment Amount -

Date Opened / Disbursed 20/01/2016

Date Closed 02/03/2019

Date of Last Payment 16/02/2016

Date Reported And Certified 31/03/2019

Value of Collateral 0

Type of Collateral Saving Account and Fixed Deposit

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/04/2016

Payment End Date 01/03/2019

Mar 2019 STD Mar 2018 XXX

Feb 2019 STD Feb 2018 XXX

Jan 2019 STD Jan 2018 XXX

Dec 2018 STD Dec 2017 XXX

Nov 2018 STD Nov 2017 XXX

Oct 2018 STD Oct 2017 XXX

Sep 2018 XXX Sep 2017 XXX

Aug 2018 XXX Aug 2017 XXX

Jul 2018 XXX Jul 2017 XXX

Jun 2018 XXX Jun 2017 XXX

May 2018 XXX May 2017 XXX

Apr 2018 XXX Apr 2017 XXX

Mar 2017 XXX

Feb 2017 XXX

Jan 2017 XXX

Dec 2016 XXX

Nov 2016 XXX

Oct 2016 XXX

Sep 2016 XXX

Aug 2016 XXX

Jul 2016 XXX

Jun 2016 XXX

 May 2016 XXX

Apr 2016 XXX

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

BOI Business Loan – Priority 412230110000012 Individual

Sector – Others

Account Details

Credit Limit -

Sanctioned Amount 4,50,000

Current Balance 4,49,848

Cash Limit -

Amount Overdue 0

Rate of Interest 10.85

Repayment Tenure -

EMI Amount -

Payment Frequency -
Actual Payment Amount -

Date Opened / Disbursed 18/01/2013

Date Closed -

Date of Last Payment 21/01/2025

Date Reported And Certified 22/01/2025

Value of Collateral -

Type of Collateral Property

Suit - Filed / Willful Default -

Credit Facility Status Restructured Loan

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/02/2022

Payment End Date 01/01/2025

Jan 2025 0 Jan 2024 72

Dec 2024 11 Dec 2023 41

Nov 2024 0 Nov 2023 10

Oct 2024 72 Oct 2023 41

Sep 2024 41 Sep 2023 10

Aug 2024 11 Aug 2023 11

Jul 2024 73 Jul 2023 72

Jun 2024 42 Jun 2023 41

May 2024 0 May 2023 11

Apr 2024 37 Apr 2023 10

Mar 2024 1 Mar 2023 11

Feb 2024 0 Feb 2023 STD

Jan 2023 STD

Dec 2022 STD

Nov 2022 STD

Oct 2022 STD

Sep 2022 XXX

Aug 2022 STD

Jul 2022 STD

Jun 2022 STD

 May 2022 STD

Apr 2022 STD

Mar 2022 STD

Feb 2022 STD

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard

HDFC BANK Two-wheeler Loan 17737845 Individual

Account Details

Credit Limit -

Sanctioned Amount 26,500

Current Balance 0

Cash Limit -

Amount Overdue 0

Rate of Interest -

Repayment Tenure -

EMI Amount -
Payment Frequency -

Actual Payment Amount -

Date Opened / Disbursed 25/11/2010

Date Closed 07/11/2012

Date of Last Payment 07/11/2012

Date Reported And Certified 30/11/2012

Value of Collateral -

Type of Collateral -

Suit - Filed / Willful Default -

Credit Facility Status -

Written-off Amount (Total) -

Written-off Amount (Principal) -

Settlement Amount -

Payment Status (up to 36 months)

Payment Start Date 01/11/2010

Payment End Date 01/11/2012

Nov 2012 0 Nov 2011 0

Oct 2012 0 Oct 2011 0

Sep 2012 0 Sep 2011 0

Aug 2012 0 Aug 2011 0

Jul 2012 0 Jul 2011 0

Jun 2012 0 Jun 2011 0

May 2012 0 May 2011 0

Apr 2012 0 Apr 2011 0

Mar 2012 0 Mar 2011 0

Feb 2012 0 Feb 2011 0

Jan 2012 0 Jan 2011 0

Dec 2011 0 Dec 2010 0

Nov 2010 0

STD: Standard DBT:Doubtful ###: Number of days

past due
SMA:Special Mention LSS:Loss XXX: Not Reported
account
SUB:Substandard
 Enquiry Information
Enquiry Summary

Member Name Date of Enquiry Enquiry Purpose

IIFL 14/06/2024 Business Loan – Priority Sector –

Small Business

Bandhan Bank 21/02/2024 Microfinance – Personal Loan

Bandhan Bank 25/07/2022 Microfinance – Business Loan

(e) Indicates the value provided by bank when you applied for a credit facility.

Disclaimer : 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.

In case of any discrepancy in Personal / Account Information pertaining to Loan Accounts / Credit Cards, concerned Financial Institutions /
Credit Card Company (CCC) may also please be contacted for required clarification.

COPYRIGHT 2025 TRANSUNION CIBIL. ALL RIGHTS RESERVED.

For more information, please visit our website at www.cibil.com