·Kola Bhaskar & Kola Madhulatha·Home Construction·Warangal, Telangana · ₹18.0L · 15y · 13.5%
CCC — Credit CommitteeGate 10/12FTRCPU · Phase 2SLA 3h 20m
498
R3
EasyScore
Moderate Risk
Band PD ~ 4.8% · Trend ↗ +12 vs last pull
RM: Rohith Medida
CIBIL — Main / Co
/
Both above 700
KYC risk
Low Risk
Aadhaar + PAN verified
Stability index
0.7
2 weak factors (vintage / residence)
Progress
8/12 · 67%

Applicants & household

Address: Hno 2-210 Chennaraopet, Makdumpuram Narasampat, Warangal, Telangana 506332
Kola Bhaskar
Main applicant · Self · 36 yrs · Senior Secondary 12 Pass
Income considered
Work profile
Salesman (MDO)
Income program
Salaried Cheque
Employer
Recruman Services
Designation
MDO — Sales & Marketing
DOJ
01-Nov-2024 · 1.5 yrs
Total experience
2 years (MDO) · 5 yrs total experience
UANEPFO
102145769798 ✓
BankPerfios
Canara xxxxxx8010
CIBILBureau
759 · NTC — thin file
Eligible income (VEI)Tab 2
₹18,501
Kola Madhulatha
Co-applicant 1 · Spouse · 37 yrs · Senior Secondary 12 Pass
Income considered
Work profile
Tailor / Business owner
Income program
Assessed Income
Employer
Mahalaxmi Ladies Emporium & Kangan Hall
Designation
Owner
DOJ
~2018 · 6 yrs
Total experience
10 years total
UAN
—
BankPerfios
SBI xxxxxx5886
CIBILBureau
706 · NTC
Eligible income (VEI)Tab 2
₹30,000

3-Address OVD register

Tab 1 · Sprint 3 — Current / Permanent / Mailing per applicant
3-Address OVD register
RBI / HFC norms — every applicant must capture Current (with OVD), Permanent and optional Mailing
OVD gate passed
Kola Bhaskar
Aadhaar · XXXX XXXX 0000
Issued 12-Jul-2014
OVD verified
Hno 4-128, Sai Nivasam
Subedari Colony
Hanamkonda, Telangana 506001
· 10 months at address· Rented
Kola Madhulatha
Aadhaar · XXXX XXXX 0001
Issued 08-Mar-2015
OVD verified
Hno 4-128, Sai Nivasam
Subedari Colony
Hanamkonda, Telangana 506001
· 10 months at address· Rented

Internal & external checks

Kola Bhaskar
  • CIBIL Score
    759 · pulled 08-Apr-2026
  • CRIF Score
    NTC — thin file
  • Aadhaar verification
    KYC approved
  • PAN verification
    Matched
  • Bank account (AA)
    Canara xxxxxx8010 · Verified
  • UAN / EPF
    102145769798 · Verified
  • RCU check
    Pending — blocks gate
  • Crime check
    Pending — blocks gate
  • Office / business FI
    Not initiated
  • PD visit
    08-Apr-2026 · Karthik D.
  • Penny drop
    Canara verified ✓
  • ITR verification
    Not available
Kola Madhulatha
  • CIBIL Score
    706 · pulled 08-Apr-2026
  • CRIF Score
    NTC
  • Aadhaar verification
    KYC approved
  • Bank account (AA)
    SBI xxxxxx5886 · Verified
  • PD visit
    08-Apr-2026 confirmed
  • RCU check
    Pending
  • Crime check
    Pending
  • Business FI
    Premises shifted — re-verify

Stability composite

  • Residence stability60% · New address, <1 yr at current
  • Employment continuity50% · Current role 1.5 yrs, 5 yrs total
  • Income stability95% · Salary consistent 6 months
  • Banking regularity88% · No bounces, regular EMI

PD calls & AI summary

  • 10-Apr 02:20 · Karthik Devulapalli → Shiva G · 918498892002ReferenceCredit
  • 10-Apr 02:19 · Karthik Devulapalli → Harish · 918555982599ReferenceCredit
PD AI summary: Employment confirmed: Yes · Salary ₹18,501 credited to Canara on 3rd of month confirmed · Reporting manager Jaysheel Reddy confirmed employment · Business premises of co-applicant visited — currently in temporary rented setup, will shift to own premises post-construction · PD status: Positive
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EHFL · CAM v2 · 2026