CHM Ref #: SHIK250403CR024137460

CONSUMER BASE™ REPORT Prepared For: SHIKSHA FINANCIAL SERVICES

For DIVYA K
Application ID: 03042025113325328259
Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Inquiry Input Information

Name: DIVYA K DOB/Age: 30-05-1995 Gender: FEMALE

Father: Spouse: Mother:
Phone Numbers: 9952131831 ID(s): XXXXXXXX5827 [UID] Email ID(s):
EWWPD6599B [PAN]
Entity Id:
Current Address: L7/57, TNHB GANAPATHY NAGAR Namakkal 637001 TN
Other Address:

CRIF HM Score(S):
SCORE NAME SCORE SCORING FACTORS
Very recent delinquency observed
PERFORM CONSUMER 2.2 533 Score Range : 300-900 Delinquency observed in recent past
Delinquency observed in the past
Tip: Positive im pact on credit score Negative im pact 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

DHIVYA DHIVYA 30-11-2019 30-05-1995 31-01-2024
DHIVYA KRISHNAN 31-03-2022 25-10-1995 30-09-2022
DHIVYA K D/O KRISHNAN 31-07-2024
Phone Variations Reported On
K DHIVYA K DHIVYA 30-11-2020
DHIVYA K 31-07-2022 07358889431 31-03-2017
DHIVYA 31-07-2023 7358889431 31-01-2024
DHIVYA K KRISHNAN 30-09-2022 9384537887 28-02-2021
K DHIVYA 31-01-2024 ID Variations Reported On
KRISHNAN DHIVYA 31-07-2023 EWWPD6599B [PAN] 31-01-2024
Address Variations Reported On
0 [PAN] 30-09-2022
1 [Voter ID] 31-07-2022
 Address Variations Reported On
134NO. L757 TNHB GANAPATHI NAGAR 1191 1191 635109 TN 30-11-2020 1 [Voter ID] 31-07-2022
NAMAKKAL, TAMIL NADU, 637001 637001 TN 30-11-2019
L7/57 TNHB GANAPATHI NAGAR MOHANUR ROAD NAMAKKAL NAMAKKAL 31-03-2022
NAMAKKAL 637001 TN
L 7, 57 T N H B GANAPATHY NAGAR, MOHANUR ROAD, 600001 TN 31-01-2024
L7/57 T N H B GANAPATHY NAGAR, MOHANUR RO NAMAKKAL VASANTHAPURAM 28-02-2025
NAMAKKAL 637002 TN
TRICHY ROAD TRICHY ROAD NAMAKAKL NEAR SB I BANK NAMAKKAL NAMAKKAL 28-02-2021
637001 TN
L7/57 TNHB, GANAPATHYNAGAR, MOHANUR ROAD NEAR SPORTS CLUB 637001 TN 30-09-2022
L7-57, TNHB, GANAPATHI NAGAR, MOHANUR ROAD, , PENTHACOSTAL CHARCH, 31-07-2023
COIMBATORE 637001 TN
L 7 / 57 T N H B GANAPATHY NAGAR, MOHANUR 637001 TN 31-07-2024
L 7 , 57 T N H B GANAPATHY NAGAR, MOHANUR ROAD, NAMAKKAL, NAMAKKAL, 30-11-2024
NAMAKKAL, NAMAKKAL, 637001, TAMIL NADU, INDIA 600001 TN
D NO:L7/57 TNHB, GANAPATHI NAGAR MOHANU R ROAD, NAMAKKAL NAMAKKAL 31-07-2024
637001 TN

Email ID Variations Reported On

[email protected] 31-01-2024
[email protected] 31-07-2024

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 23 2 2 44,768 82,200
Total 23 2 2 44,768 82,200
Inquiries in last 24 Months: 18 New Account(s) in last 6 Months: 2 New Delinquent Account(s) in last 6 Months: 0

Account Information

1 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 15-03-
2025

Ownership: INDIVIDUAL Disbursed Date: 04-03-2025 Disbd Amt/High Credit: 42,200

ACTIVE

Credit Limit: Last Payment Date: Current Balance: 42,200

Cash Limit: Closed Date: 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
2025 - - 000/XXX - - - - - - - - -
 2 Account Type: BUSINESS LOAN UNSECURED Credit Grantor: XXXX Account #: xxxx Info. as of: 28-02-
2025

Ownership: INDIVIDUAL Disbursed Date: 27-09-2023 Disbd Amt/High Credit: 40,000

ACTIVE

Credit Limit: Last Payment Date: Current Balance: 2,568

Cash Limit: Closed Date: 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
2025 000/XXX 000/XXX - - - - - - - - - -
2024 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX
2023 - - - - - - - - 000/XXX 000/XXX 000/XXX 000/XXX

3 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 15-03-
2025
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 14-11-2024 Disbd Amt/High Credit: 38,500

Credit Limit: Last Payment Date: 04-03-2025 Current Balance: 0
Cash Limit: Closed Date: 04-03-2025 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
2025 000/XXX 000/XXX 000/XXX - - - - - - - - -
2024 - - - - - - - - - - 000/XXX 000/XXX

4 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-11-
2024

Ownership: INDIVIDUAL Disbursed Date: 12-01-2024 Disbd Amt/High Credit: 4,000

CLOSED

Credit Limit: Last Payment Date: 22-11-2024 Current Balance: 5,045

Cash Limit: Closed Date: 22-11-2024 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 5,045
Status: Suit filed/Written-off Principal Writeoff Amt: 4,000
Settlement Amt: Total Writeoff Amt: 5,045

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 011/SUB XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX 262/SUB XXX/XXX 323/STD -

5 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-01-
2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 30-12-2023 Disbd Amt/High Credit: 4,000

Credit Limit: Last Payment Date: 12-01-2024 Current Balance: 0
Cash Limit: Closed Date: 12-01-2024 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
2024 000/STD - - - - - - - - - - -
2023 - - - - - - - - - - - 000/SUB
6 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-07-
2024

Ownership: INDIVIDUAL Disbursed Date: 30-12-2023 Disbd Amt/High Credit: 1,500

CLOSED

Credit Limit: Last Payment Date: 01-07-2024 Current Balance: 0

Cash Limit: Closed Date: 01-07-2024 Last Paid Amt: 1,704
InstlAmt/Freq: 1,545/Monthly Tenure(month): 1 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
2024 001/XXX 030/XXX 061/XXX 091/XXX 122/XXX 152/XXX 000/XXX - - - - -
2023 - - - - - - - - - - - 000/XXX

7 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-12-
2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 20-12-2023 Disbd Amt/High Credit: 3,500

Credit Limit: Last Payment Date: 30-12-2023 Current Balance: 0
Cash Limit: Closed Date: 30-12-2023 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
2023 - - - - - - - - - - - 000/STD

8 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-12-
2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 07-12-2023 Disbd Amt/High Credit: 1,200

Credit Limit: Last Payment Date: 20-12-2023 Current Balance: 0
Cash Limit: Closed Date: 20-12-2023 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
2023 - - - - - - - - - - - 000/STD
9 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 09-02-
2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 14-11-2023 Disbd Amt/High Credit: 15,920

Credit Limit: Last Payment Date: 09-02-2024 Current Balance: 0
Cash Limit: Closed Date: 09-02-2024 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
2024 XXX/XXX 000/XXX - - - - - - - - - -
2023 - - - - - - - - - - 000/XXX 000/XXX

10 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 14-11-2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 22-03-2023 Disbd Amt/High Credit: 13,600

Credit Limit: Last Payment Date: 14-11-2023 Current Balance: 0
Cash Limit: Closed Date: 14-11-2023 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
2023 - - 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX -

11 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 22-03-
2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 21-09-2022 Disbd Amt/High Credit: 13,600

Credit Limit: Last Payment Date: 22-03-2023 Current Balance: 0
Cash Limit: Closed Date: 22-03-2023 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
2023 000/XXX 000/XXX 000/XXX - - - - - - - - -
2022 - - - - - - - - 000/XXX 000/XXX 000/XXX 000/XXX

12 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-09-
2022
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 25-06-2022 Disbd Amt/High Credit: 13,600

Credit Limit: Last Payment Date: 21-09-2022 Current Balance: 0
Cash Limit: Closed Date: 21-09-2022 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
2022 - - - - - - 000/XXX 000/XXX 000/XXX - - -
13 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-06-
2022
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 02-04-2022 Disbd Amt/High Credit: 13,800

Credit Limit: Last Payment Date: 25-06-2022 Current Balance: 0
Cash Limit: Closed Date: 25-06-2022 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
2022 - - - - 000/XXX 000/XXX - - - - - -

14 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-03-
2022
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 14-11-2019 Disbd Amt/High Credit: 2,500

Credit Limit: Last Payment Date: 12-03-2022 Current Balance: 0
Cash Limit: Closed Date: 12-03-2022 Last Paid Amt: 5,037
InstlAmt/Freq: Tenure(month): 0 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2022 795/XXX 823/XXX 000/XXX - - - - - - - - -
2021 430/XXX 458/XXX XXX/XXX 519/XXX 550/XXX 580/XXX 611/XXX 642/XXX 672/XXX 703/XXX 733/XXX 764/XXX
2020 XXX/XXX XXX/XXX 106/XXX 131/XXX XXX/XXX XXX/XXX 223/XXX 277/XXX XXX/XXX 338/XXX 368/XXX 399/XXX
2019 - - - - - - - - - - - XXX/XXX

15 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-07-
2023

Ownership: INDIVIDUAL Disbursed Date: 14-11-2019 Disbd Amt/High Credit: 5,000

CLOSED

Credit Limit: Last Payment Date: 20-07-2023 Current Balance: 0

Cash Limit: Closed Date: 20-07-2023 Last Paid Amt:
InstlAmt/Freq: Tenure(month): 2 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
2023 900/SUB 900/SUB 900/SUB 900/SUB 900/SUB 900/SUB 000/STD - - - - -
2022 778/SUB 806/SUB 837/SUB 867/SUB 898/SUB 900/SUB 900/SUB 900/SUB 900/SUB 900/SUB 900/SUB 900/SUB
2021 413/SUB 441/SUB 472/SUB 502/SUB 533/SUB 563/SUB 594/SUB 625/SUB 655/SUB 686/SUB 716/SUB 747/SUB
2020 - - - - - - - 260/SUB 290/SUB 321/SUB 351/SUB 382/SUB

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
No Collateral

16 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-07-
2023
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 01-11-2019 Disbd Amt/High Credit: 5,000

Credit Limit: Last Payment Date: 19-12-2020 Current Balance: 0
Cash Limit: Closed Date: 28-11-2021 Last Paid Amt:
InstlAmt/Freq: 5,037 Tenure(month): 0 Overdue Amt: 0
 Payment History/Asset Classification:
January February March April May June July August September October November December
2021 440/XXX 468/XXX 499/XXX 529/XXX 560/XXX 590/XXX 621/XXX 652/XXX 682/XXX 713/XXX 000/XXX -
2020 XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX XXX/XXX 290/XXX 320/XXX 351/XXX 381/XXX 409/XXX
2019 - - - - - - - - - - - XXX/XXX

17 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-11-2019

Ownership: INDIVIDUAL Disbursed Date: 06-10-2019 Disbd Amt/High Credit: 5,000

CLOSED

Credit Limit: Last Payment Date: 14-11-2019 Current Balance: 0

Cash Limit: Closed Date: 14-11-2019 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 - - - - - - - - - 000/STD 000/STD -

Collateral/Security Details:
Security Type Type of Charge Security Value Date Of Value
No Collateral

18 Account Type: CONSUMER LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-07-
2024
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 09-08-2019 Disbd Amt/High Credit: 13,990

Credit Limit: Last Payment Date: 02-09-2020 Current Balance: 0
Cash Limit: Closed Date: 21-06-2024 Last Paid Amt:
InstlAmt/Freq: 1,399/Monthly Tenure(month): 16 Overdue Amt: 0

Payment History/Asset Classification:

January February March April May June July August September October November December
2024 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX - - - - - -
2023 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX 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
2021 - - - - - - XXX/XXX 000/XXX 000/XXX 000/XXX 000/XXX 000/XXX

19 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-11-
2020

Ownership: INDIVIDUAL Disbursed Date: 04-07-2019 Disbd Amt/High Credit: 10,300

CLOSED

Credit Limit: Last Payment Date: 31-10-2019 Current Balance: 8,833

Cash Limit: Closed Date: Last Paid Amt:
InstlAmt/Freq: Tenure(month): 12 Overdue Amt: 13,203
Status: Account Sold Principal Writeoff Amt:
Settlement Amt: Total Writeoff Amt:

Payment History/Asset Classification:

January February March April May June July August September October November December
2020 090/STD 119/STD 150/STD 180/STD 211/STD 241/STD 272/STD 303/STD 333/STD 364/STD 394/STD -
2019 - - - - - - 000/STD 000/STD 000/STD 000/STD 028/STD 059/STD
20 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-09-
2017
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 24-06-2017 Disbd Amt/High Credit: 7,300

Credit Limit: Last Payment Date: 21-09-2017 Current Balance: 0
Cash Limit: Closed Date: 21-09-2017 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
2017 - - - - - 000/STD 000/STD 000/STD 000/XXX - - -

21 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 30-06-
2017
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 28-03-2017 Disbd Amt/High Credit: 7,400

Credit Limit: Last Payment Date: 24-06-2017 Current Balance: 0
Cash Limit: Closed Date: 24-06-2017 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
2017 - - 000/STD 000/STD 000/STD 000/XXX - - - - - -

22 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-03-
2017
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 08-03-2017 Disbd Amt/High Credit: 15,000

Credit Limit: Last Payment Date: 28-03-2017 Current Balance: 0
Cash Limit: Closed Date: 28-03-2017 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
2017 - - 000/XXX - - - - - - - - -

23 Account Type: GOLD LOAN Credit Grantor: XXXX Account #: xxxx Info. as of: 31-03-
2017
CLOSED

Ownership: INDIVIDUAL Disbursed Date: 09-12-2016 Disbd Amt/High Credit: 15,000

Credit Limit: Last Payment Date: 08-03-2017 Current Balance: 0
Cash Limit: Closed Date: 08-03-2017 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
2017 000/STD 000/STD 000/XXX - - - - - - - - -
2016 - - - - - - - - - - - 000/STD
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Tip: All amounts are in INR

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

Type Association Account Summary Disbursed Amount Instalment Amount Current Balance
Own Other Active Closed Default Own Other Own Other Own Other
Primary Match 0 9 4 13 0 - 2,02,000 - 12,750 - 91,143
Secondary Match 0 0 0 0 0 - - - - - -

Account Details - Primary

 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

1 Member & Account Information with Credit Grantor: SWARNODHAYAM CREDITS PRIVATE LIMITED (Branch: 1011)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 / 29 years (31-05-2024) Info. As On: 15-03-2025

Relationships: KRISHNAN (Father) ID(s): XXXXXXXX5827 (UID) Phone Numbers: 7358889431

CHITHRA (Mother) RHB0876391 (Voters Id)
Current Monthly Household Income: 25,000
Address: L7/57 TNHB GANAPATHY NAGAR MOHANUR ROAD NAMAKKAL Namakkal TN 637002
Other
Address: L7/57 TNHB GANAPATHY NAGAR MOHANUR ROAD NAMAKKAL Namakkal TN 637002

Account Type: JLG INDIVIDUAL Disbursed Date: 24-05-2024 Amt Disbursed: 40,000 Info. As On: 15-03-2025
Account #: xxxx Closed Date: Current Balance: 7,629 Amount Write-Off: 0
Instl Freq: WEEKLY Instl Amount: 900 Amount Overdue: 0 DPD: 0
Account Remarks:
ACTIVE

Payment History:
January February March April May June July August September October November December
2025 000 000 000 - - - - - - - - -
2024 - - - - 000 000 000 000 000 XXX XXX 000
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

2 Member & Account Information with Credit Grantor: YES BANK (Branch: 061043-NOCPL)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 Info. As On: 15-03-2025

Relationships: ASHOKUMAR (Husband) ID(s): XXXXXXX8446 (UID) Phone Numbers: 8903791831

CHITRA (Mother) RHB0876391 (Voters Id)
Current L 7 57 T N H B GANAPATHY NAGAR MOHANUR ROAD NAMAKKAL NAMAKKAL, Monthly Household Income: 25,000
Address: MOHANUR V, NAMAKKAL TN 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 15-05-2024 Amt Disbursed: 42,000 Info. As On: 15-03-2025
Account #: xxxx Closed Date: Current Balance: 28,701 Amount Write-Off: 0
ACTIVE

Instl Freq: MONTHLY Instl Amount: 3,015 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2025 000 000 000 - - - - - - - - -
2024 - - - - 000 000 000 000 000 000 000 000

3 Member & Account Information with Credit Grantor: ESAF SMALL FINANCE BANK LIMITED (Branch: 5016)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 / 28 years (02-10-2024) Info. As On: 28-02-2025

Relationships: ASHOKUMAR NADESAN ID(s): XXXXXXXX5827 (UID) Phone Numbers:

(Husband) RHB0876391 (Voters Id)
ASHOKUMAR NADESAN
(Husband)
Current Monthly Household Income: 3,00,000
Address: L 7 / 57 T N H B GANAPATHY NAGAR MOHANUR ROAD TN 637001
Other
Address: L 7 / 57 T N H B GANAPATHY NAGAR MOHANUR ROAD NAMAKKAL NAMAKKKAL TN 637001

Account Type: JLG INDIVIDUAL Disbursed Date: 29-04-2024 Amt Disbursed: 50,000 Info. As On: 23-03-2025
Account #: xxxx Closed Date: Current Balance: 32,671 Amount Write-Off: 0
ACTIVE

Instl Freq: MONTHLY Instl Amount: 2,695 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2025 000 000 000 - - - - - - - - -
2024 - - - 000 000 000 000 000 000 000 000 000

Account Type: JLG INDIVIDUAL Disbursed Date: 14-10-2022 Amt Disbursed: 30,000 Info. As On: 30-06-2024
Account #: xxxx Closed Date: 29-04-2024 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: MONTHLY Instl Amount: 2,020 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2024 000 000 000 000 - - - - - - - -
2023 - - - - 000 XXX 000 000 000 000 000 000
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

4 Member & Account Information with Credit Grantor: IDFC (Branch: 80107)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 / 28 years (31-10-2023) Info. As On: 15-03-2025

Relationships: ASHOKKUMAR NATESAN ID(s): Phone Numbers: 9952131831

(Husband)
ASHOKKUMAR NATESAN
(Husband)
Current L 7 57 T N H B Ganapathy Nagar Mohanur, Road Namakkal Namakkal, , Namakkal TN Monthly Household Income: 30,000
Address: 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 09-10-2023 Amt Disbursed: 70,000 Info. As On: 15-03-2025
Account #: xxxx Closed Date: Current Balance: 22,142 Amount Write-Off: 0
ACTIVE

Instl Freq: WEEKLY Instl Amount: 860 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2025 000 000 000 - - - - - - - - -
2024 - - - 000 000 000 000 000 000 000 000 000

Account Type: JLG INDIVIDUAL Disbursed Date: 18-03-2023 Amt Disbursed: 35,000 Info. As On: 31-10-2023
Account #: xxxx Closed Date: 09-10-2023 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: OTHER Instl Amount: 770 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2023 - - - XXX XXX 000 000 000 000 000 - -

5 Member & Account Information with Credit Grantor: ARISE INVESTMENTS AND CAPITAL LIMITED (Branch: 0023)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 / 28 years (27-03-2023) Info. As On: 29-02-2024

Relationships: ASHOK KUMAR N (Husband) ID(s): XXXXXXXX5827 (UID) Phone Numbers:

ASHOK KUMAR N (Husband) RHB0876391 (Other Id)
Current Monthly Household Income: 20,000
Address: L7/57 GANAPATHI NAGAR MOHANUR ROAD NAMAKKAL TN 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 23-03-2023 Amt Disbursed: 30,000 Info. As On: 16-03-2024
Account #: xxxx Closed Date: 14-03-2024 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: WEEKLY Instl Amount: 750 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2024 000 000 000 - - - - - - - - -
2023 - - - 000 000 000 000 000 000 000 000 000
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Member
Name: DHIVYA KRISHNAN DOB/Age: 25-10-1995 / 23 years (01-08-2018) Info. As On: 01-10-2019

Relationships: ASHOKKUMAR (Husband) ID(s): 354741885827 (Other Id) Phone Numbers:

ASHOKKUMAR (Husband) RHB0876391 (Other Id)
Current Monthly Household Income:
Address: L7/57 TNHB GANAPATHY NAGAR MOHANUR ROAD NAMAKKAL NAMAKKAL TN 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 11-01-2019 Amt Disbursed: 5,000 Info. As On: 01-07-2019
Account #: xxxx Closed Date: 03-06-2019 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: WEEKLY Instl Amount: 275 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2019 - 000 000 000 000 000 - - - - - -

Account Type: JLG INDIVIDUAL Disbursed Date: 17-07-2018 Amt Disbursed: 25,000 Info. As On: 30-09-2019
Account #: xxxx Closed Date: 10-07-2019 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: WEEKLY Instl Amount: 625 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2019 000 000 000 000 000 000 000 - - - - -
2018 - - - - - - - 000 000 000 000 000

6 Member & Account Information with Credit Grantor: SURYODAY (Branch: 187)

Member
Name: DHIVYA KRISHNAN DOB/Age: 30-05-1995 / 27 years (30-09-2022) Info. As On: 31-12-2024

Relationships: ASHOKKUMAR NATESAN ID(s): RHB0876391 (Voters Id) Phone Numbers: 7358889431
(Husband) 11G0191880 (Ration Card) 7358889431
KRISHNAN (Father)
Current Monthly Household Income: 25,000
Address: L 7 / 57 T N H B Ganapathy Nagar Mohanur Road Namakkal Namakkal TN 637001
Other
Address: 7/57 GANAATHY NAGAR Tiruchengode TN 637302

Account Type: JLG INDIVIDUAL Disbursed Date: 01-10-2022 Amt Disbursed: 50,000 Info. As On: 31-12-2024
Account #: xxxx Closed Date: 04-10-2024 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: MONTHLY Instl Amount: 2,700 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2024 000 000 000 000 000 000 000 000 000 000 - -
2023 - - - - - - - - - - 000 000
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Account Type: JLG INDIVIDUAL Disbursed Date: 28-09-2018 Amt Disbursed: 36,000 Info. As On: 01-10-2022
Account #: xxxx Closed Date: 12-07-2022 Current Balance: 0 Amount Write-Off: 0
Instl Freq: MONTHLY Instl Amount: 2,000 Amount Overdue: 0 DPD: 0
Account Remarks:
CLOSED

Payment History:
January February March April May June July August September October November December
2022 480 511 539 570 600 631 661 - - - - -
2021 - - - - - - - 327 358 388 419 449

Account Type: JLG INDIVIDUAL Disbursed Date: 15-05-2018 Amt Disbursed: 28,000 Info. As On: 01-10-2022
Account #: xxxx Closed Date: 12-07-2022 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: MONTHLY Instl Amount: 1,500 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2022 480 511 539 570 600 631 661 - - - - -
2021 - - - - - - - 327 358 388 419 449
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

7 Member & Account Information with Credit Grantor: SATIN (Branch: 01239)

Member
Name: DHIVYA DOB/Age: 30-05-1995 / 25 years (31-08-2019) Info. As On: 30-09-2024

Relationships: ASHOKKUMAR (Husband) ID(s): XXXXXXXXXXXXXXXXXXXXkA== Phone Numbers: 7358889431

ASHOKKUMAR (Husband) (UID) 7358889431
RHB0876391 (Voters Id)
Current Monthly Household Income: 25,000
Address: L7 57 TNHB Namakkal Namakkal TN 637001
Other
Address: L7 57 TNHB Namakkal GANAPATHI NAGAR Namakkal TN 637015

Account Type: JLG INDIVIDUAL Disbursed Date: 12-07-2022 Amt Disbursed: 45,000 Info. As On: 30-09-2024
Account #: xxxx Closed Date: 15-07-2024 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: BIWEEKLY Instl Amount: 1,205 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2024 000 000 000 000 000 000 000 - - - - -
2023 - - - - - - - 000 000 000 000 000

Account Type: JLG INDIVIDUAL Disbursed Date: 13-01-2021 Amt Disbursed: 35,000 Info. As On: 30-09-2022
Account #: xxxx Closed Date: 11-07-2022 Current Balance: 0 Amount Write-Off: 0
BIWEEKLY 875 0 DPD: 0
CLOSED

Instl Freq: Instl Amount: Amount Overdue:

Restructured due to
Account Remarks:
COVID-19, SEP-2021
Payment History:
January February March April May June July August September October November December
2022 000 000 000 000 000 000 000 - - - - -
2021 - - - - - - - 000 015 001 029 029
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Account Type: JLG INDIVIDUAL Disbursed Date: 05-08-2019 Amt Disbursed: 25,000 Info. As On: 31-03-2021
Account #: xxxx Closed Date: 13-01-2021 Current Balance: 0 Amount Write-Off: 0
Instl Freq: BIWEEKLY Instl Amount: 1,100 Amount Overdue: 0 DPD: 0
Account Remarks:
Payment History:
January February March April May June July August September October November December
2021 000 - - - - - - - - - - -
CLOSED

2020 - 000 000 000 000 000 000 XXX 015 043 071 099
 CHM Ref #: SHIK250403CR024137460
ADVANCED OVERLAP R EPORT Prepared For: SHIKSHA FINANCIAL SERVICES
DIVYA k Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

8 Member & Account Information with Credit Grantor: GRAMEENKOOTA (Branch: AO0509)

Member
Name: DHIVYA K DOB/Age: 23 years (21-06-2018) Info. As On: 30-11-2023

Relationships: ASHOKKUMAR (Father) ID(s): 11/G/0191880 (Ration Card) Phone Numbers: 7358889431
Current Monthly Household Income:
Address: 7/57, GANAPATHYNAHAR, MOGANUR ROAD, NAMAKKAL, TAMIL NADU, 637001 TN 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 21-06-2018 Amt Disbursed: 30,000 Info. As On: 30-11-2023
Account #: xxxx Closed Date: 02-08-2023 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: MONTHLY Instl Amount: 1,250 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2023 000 000 000 000 XXX 000 XXX 000 - - - -
2022 - - - - - - - - 000 000 000 000

9 Member & Account Information with Credit Grantor: AXIS BANK (Branch: 3037)

Member
Name: DHIVYA KRISHNAN DOB/Age: 25-10-1995 / 23 years (31-10-2018) Info. As On: 30-09-2024

Relationships: ID(s): Phone Numbers:

Current Monthly Household Income: 0
Address: L7 57 TNHB GANAPATHI NAGAR MOH NAMAKKAL TAMIL NADU 637001. TN 637001
Other
Address:

Account Type: JLG INDIVIDUAL Disbursed Date: 01-06-2018 Amt Disbursed: 26,000 Info. As On: 30-09-2024
Account #: xxxx Closed Date: 01-08-2024 Current Balance: 0 Amount Write-Off: 0
CLOSED

Instl Freq: MONTHLY Instl Amount: 0 Amount Overdue: 0 DPD: 0

Account Remarks:
Payment History:
January February March April May June July August September October November December
2024 000 000 000 000 000 000 000 000 - - - -
2023 - - - - - - - - 000 000 000 000

CHM Ref #: SHIK250403CR024137460

GROUP DETAILS Prepared For: SHIKSHA FINANCIAL SERVICES
Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

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) 2025 CRIF High Mark Credit Information Services Pvt. Ltd Company Confidential Data
 CHM Ref #: SHIK250403CR024137460
GROUP DETAILS Prepared For: SHIKSHA FINANCIAL SERVICES
Date of Request: 03-04-2025 11:33:25
Date of Issue: 03-04-2025

Type Association Account Summary Disbursed Amount Instalment Amount Current Balance
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 22-07-2023 OTHER 10,000
XXXX 23-10-2023 OTHER 40,039
XXXX 12-09-2024 OTHER 3,00,000
XXXX 22-09-2023 OTHER 10,000
XXXX 24-05-2024 OTHER 40,000
XXXX 02-11-2024 Other 1
XXXX 02-02-2024 OTHER 40,039
XXXX 18-01-2025 OTHER 1,00,000
XXXX 29-06-2023 OTHER 60,000
XXXX 11-09-2024 OTHER 0
XXXX 24-03-2025 OTHER 11,00,000
XXXX 02-08-2024 OTHER 50,000
XXXX 08-10-2024 OTHER 50,000
XXXX 21-03-2024 OTHER 70,000
XXXX 02-02-2024 OTHER 50,000
XXXX 08-07-2023 OTHER 50,000
XXXX 03-07-2024 OTHER 7,20,000
XXXX 03-07-2024 OTHER 3,00,000
-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
 CHM Ref #: SHIK250403CR024137460
GROUP DETAILS
Disclaimer: This document contains proprietary information to CRIF High Mark and is prepared by using the proprietary match logic of CRIFPrepared
High Mark For:may not
SHIKSHA
be usedFINANCIAL
or disclosedSERVICES
to
others, except with the written permission of CRIF High Mark. Any paper copy of this document will be considered uncontrolled.Date If youof are
Request:
not the03-04-2025 11:33:25you are not
intended recipient,
authorized to read, print, retain, copy, disseminate, distribute, or use this information or any part thereof. PERFORM score provided
Datein of
this document
Issue: is joint work of CRIF SPA
03-04-2025
(Italy) and CRIF High Mark (India).

Copyrights reserved (c) 2025 CRIF High Mark Credit Information Services Pvt. Ltd Company Confidential Data

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) 2025 CRIF High Mark Credit Information Services Pvt. Ltd Company Confidential Data