LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : PARMESHWAR KRISHNARAM

Customer ID :
Application Reference Number : B143918536
Loan Sourcing Date: 2022-05-27 19:57:34

This audit trail document evidences the complete system generated electronic logs/record to demonstrate the
commencement of exchange of information/data between PARMESHWAR KRISHNARAM & Bajaj
Finance Limited (“BFL”) till the complete acceptance of Loan Application, MITC, eMandate, and Master
Terms & conditions uploaded at: B143918536 (collectively referred as “Loan Documentation”) by
PARMESHWAR KRISHNARAM for availing loans as described below vide mobile OTP acceptance in
respect of Application Reference Number: B143918536 as final and binding on PARMESHWAR
KRISHNARAM.

The audit trail containing electronic records / Logs captured in Section - A (Audit Trail Summary Sheet of
electronic record / logs) below evidences the electronic transaction acceptance and execution by the customer
on BFL platform in connection with loan availed by the customer. Further, Section - B evidences the
chronological details of electronic transaction logs stored in BFL application(s). Section C contains the live
photo of PARMESHWAR KRISHNARAM along with Invoice /Product & FOS. The electronic records
detailed in Section A to C evidences the loan transaction journey, acceptance and execution of the Loan
documentation.

Section A – Audit Trail Summary Sheet of Electronics Record/logs

Particulars Details
Application Reference Number B143918536
Loan Amount (Rs.) 22000
Loan Type Digital Product Finance
Tennure of Loan 15
IP Address of BFL 106.214.40.200
IP Address of Customer's Device 2401:4900:56b6:1553:29aa:5ebc:a484:1865
Mobile number of Customer 9340942812
Email ID of Customer (if available) [email protected]
FOS Name & Emp ID VISHAL GUPTA & 454163
FOS email ID(if available)
FOS/Merchant IP Address 106.214.40.200
Latitude:
Geo-tagging details
Longitude:
Live Photo of Customer Y
 Live Photo of Customer along with Invoice Y
and FOS

Market Place Particulars Details

EMI Card Number
E-Com/Merchant/Dealer portal Name
Second OTP Generation Requested
On

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : PARMESHWAR KRISHNARAM

Customer ID :
Application Reference Number : B143918536
Loan Sourcing Date: 2022-05-27 19:57:34

Section B – Audit Trail Transaction History With Intake to

Corresponding Details in Section A above
Date & Cluster /
Action Taken Transaction Log Output log status
Time Stage
FROM: VISHAL GUPTA,
Emp ID/FOS ID: 454163,
Application link BFL IP Address: 106.214.40.200
Loan Application
2022-05-27 Loan delivered to TO:
Link successfully
20:01:26 Application PARMESHWAR Mobile Number : 9340942812 & ,
sent
KRISHNARAM IP Address: Latitude:
Longitude:
of PARMESHWAR KRISHNARAM
FROM:
Application Reference Number:B143918536,
PARMESHWAR Mobile Number:9340942812,
KRISHNARAM IP
opened / accessed Address:2401:4900:56b6:1553:29aa:5ebc:a484:1865 Loan Application
the link to apply for opened and filled
2022-05-27 Loan loan by filling of PARMESHWAR KRISHNARAM by
20:01:26 Application required details and TO:
PARMESHWAR
uploading FOS ID: 454163,
KRISHNARAM
documents in BFL FOS Name :VISHAL GUPTA,
presence of BFL FOS/MERCHANT IP Address:
FOS 106.214.40.200,
FOS email (if available):,
BFL IP Address: 106.214.40.200
PARMESHWAR
KRISHNARAM FROM:
read, verified, Application Reference Number:B143918536,
agreed & accepted Mobile Number:9340942812,
the terms and Customer's IP
Address:2401:4900:56b6:1553:29aa:5ebc:a484:1865
 conditions of Loan of PARMESHWAR KRISHNARAM Application
2022-05-27 First OTP Documentation TO: submitted by
20:01:22 Authentication (defined above) by FOS Name: VISHAL GUPTA, PARMESHWAR
clicking on FOS EMP ID: 454163, KRISHNARAM
“SUBMIT FOS email ID (if available):, to generate OTP
BUTTON” FOS/MERCHANT IP Address:
application to 106.214.40.200,
generate OTP from BFL IP Address: 106.214.40.200
BFL software
application.
FROM:
OTP generated and Application Reference Number:B143918536,
sent to BFL IP Address:106.214.40.200,
OTP sent to
2022-05-27 First OTP PARMESHWAR TO:
PARMESHWAR
20:01:26 Authentication KRISHNARAM Mobile Number:9340942812,
Customer IP Address: KRISHNARAM
from BFL software
application 2401:4900:56b6:1553:29aa:5ebc:a484:1865
of PARMESHWAR KRISHNARAM
FROM:
Application Reference Number:B143918536,
BFL IP Address:106.214.40.200, OTP Received by
OTP Received by
2022-05-27 First OTP TO:
PARMESHWAR
20:01:49 Authentication Mobile Number:9340942812, PARMESHWAR
KRISHNARAM Customer IP address
KRISHNARAM
:2401:4900:56b6:1553:29aa:5ebc:a484:1865
of PARMESHWAR KRISHNARAM
PARMESHWAR
FROM:
KRISHNARAM Digitally accepted
Customer Name:PARMESHWAR KRISHNARAM,
clicks on "I accept PDF encrypted
Application Reference Number:B143918536,
checkbox" by file containing in
Mobile Number:9340942812,
putting OTP and respect of said
IP address of customer
2022-05-27 First OTP Mobile Number to Loan
2401:4900:56b6:1553:29aa:5ebc:a484:1865
20:01:22 Authentication finalize accepting Documentation
TO:
to terms & stored in BFL
BFL IP Address:106.214.40.200,
conditions of said server for
EMP/FOS/MERCHANT IP Address:
Loan verification &
106.214.40.200,
Documentation validation
FOS Name: VISHAL GUPTA
(defined above)

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : PARMESHWAR KRISHNARAM

Customer ID :
Application Reference Number : B143918536
Loan Sourcing Date: 2022-05-27 19:57:34

Date & Cluster /

Action Taken Transaction Log details Output log status
Time Stage
Loan Approved by
FROM:
BFL (Salesforce
Application Reference Number:B143918536, Emp
system) and bit.ly
email ID (if available) : , EMP IP Loan Approved
link containing
Address:106.214.40.200,
 2022-05-27 Approval encrypted pdf with TO: by BFL
20:49:36 details of Customer Name:PARMESHWAR KRISHNARAM, Salesforce
disbursement sent to Cust Mobile Number:9340942812, Cust IP System.
PARMESHWAR Address:2401:4900:56b6:1553:d0ab:71aa:7184:f9cd
KRISHNARAM
Second OTP SMS & Email
generated and sent to FROM: confirmation sent
PARMESHWAR IP Address of BFL:106.214.40.200, BFL Emp name by VISHAL
KRISHNARAM & ID:VISHAL GUPTA 454163, Application GUPTA of BFL
2022-05-27 Second OTP via SMS to Reference Number:B143918536 to
20:49:36 Authentication {firstOtpFosMobile} TO: PARMESHWAR
& emailed to to Customer Name:PARMESHWAR KRISHNARAM, KRISHNARAM
record acceptance for Cust Mobile Number:9340942812, Cust IP for obtaining
disbursal and Address:2401:4900:56b6:1553:d0ab:71aa:7184:f9cd disbursement &
eMandate; eMandate
OTP for
FROM:
Acceptance
PARMESHWAR Application Reference Number:B143918536, IP
received by
KRISHNARAM Address of BFL:106.214.40.200, BFL Emp name &
PARMESHWAR
2022-05-27 Second OTP opened the Second ID:VISHAL GUPTA 454163
KRISHNARAM
20:49:57 Authentication OTP link clicked on TO:
for endorsing
“I Accept Check Mobile Number of Customer:9340942812, IP
acceptance for
Box” Address of
disbursement and
Customer:2401:4900:56b6:1553:d0ab:71aa:7184:f9cd
eMandate
Encrypted PDF
opened and accepted PARMESHWAR
by KRISHNARAM
PARMESHWAR FROM: accepted the
2022-05-27 Second OTP KRISHNARAM by Application Reference Number:B143918536, disbursement &
20:49:57 Authentication submitting the OTP Customer Name:PARMESHWAR KRISHNARAM, eMandate details
and Mobile Number Cust Mobile Number:9340942812, by submitting the
as confirmation to OTP & Mobile
disbursement and Number
eMandate details

LOAN TRANSACTION AUDIT TRAIL SHEET

Customer Name : PARMESHWAR KRISHNARAM

Customer ID :
Application Reference Number : B143918536
Loan Sourcing Date: 2022-05-27 19:57:34

Date &
Cluster / Stage Action Taken Transaction Log details Output log status
Time
PDF encrypted
FROM:
file containing
Application Reference Number:B143918536, Digitally accepted
Loan
Customer Name:PARMESHWAR KRISHNARAM, encrypted PDF file
Documentation,
Cust Mobile Number:9340942812, Cust IP containing in respect of
2022-05-27 Second OTP Disbursement
Address:2401:4900:56b6:1553:d0ab:71aa:7184:f9cd said Loan document
20:49:57 Authentication details and
stored in BFL server at
eMandate
TO: IP
details created
BFL IP Address:106.214.40.200, BFL Emp address:106.214.40.200
and got stored
name:VISHAL GUPTA
in BFL server
 Audit Trail
Annexure
created and
annexed with
Encrypted PDF
filed stored in
BFL Server
containing Annexure of
Loan FROM:
“Transaction Audit
Application Customer Name:PARMESHWAR KRISHNARAM,
Trail Sheet” attached to
2022-05-31 Transaction with Audit Cust Mobile Number:9340942812, Application
encrypted pdf
20:00:06 Completed Trail Sheet, Reference Number:B143918536
document containing
Master T&Cs, TO:
____ stored in BFL
ECS / Date Time
server
Electronic
Payment
Mandate, KYC
and welcome
intimation &
Loan EMI
payment
schedules
Complete PDF
file in respect
of said Loan
Documentation
Application Reference Number:B143918536,
2022-05-31 Transaction (defiled above)
Customer Name:PARMESHWAR KRISHNARAM, Process Complete
20:00:06 Completed along with
Customer Mobile:9340942812,
audit trail
history got
stored in BFL
server
FROM:
Encrypted pdf
Customer Name:PARMESHWAR KRISHNARAM,
Loan
Application Reference Number:B143918536,
Documentation Application Reference
Mobile Number:9340942812, of PARMESHWAR
2022-05-27 Verification & opened and Number.B143918536,
verified by KRISHNARAM verified and validated
20:49:57 Validation
TO:
VISHAL VISHAL GUPTA
BFL IP Address:106.214.40.200, Emp Name:
GUPTA of
VISHAL GUPTA, Emp email ID (if available): ,
BFL
EMP IP Address:106.214.40.200,

SECTION - C (Audit Trail Summary Sheet of customer Photo and

Invoice Copy)
FOS/Merchant IP address : 106.214.40.200
Photo upload time : 2022-05-27 20:33:42
Customer Photo: Link