Online KYC Documents verification and CIBIL Search

1. ONLINE VERIFICATION
OF DOCUMENTS
Presented by,
Abinash Kr. Mandilwar
Chief Manager & Faculty Member
BOI Staff Training College, Bhopal

2. PAN VERIFICATION

3. “PANCHK”
Enter “PAN No.” &
Press
This Option is used to Check the
Authenticity of a “PAN No.”.
This menu is Directly Linked to
(“TIN”)
Tax Information Network
F4

4. ONLINE VERIFICATION OF PAN CARD NUMBER
SEARCH PAN CHEQUE IN GOOGLE
30/09/1967
MANDILWAR
KUMAR
ABINASH
704628
SUBMIT

6. PAN VERIFICATION
WWW.TIN-NSDL.COM

7. PAN VERIFICATION
WWW.TIN-NSDL.COM

8. PAN VERIFICATION
WWW.TIN-NSDL.COM

9. ONLINE ITR VERIFICATION

10. FOR ONLINE ITR VERICATION VISIT
HTTPS://INCOMETAXINDIAEFILING.GOV.IN/E-FILING/USERLOGIN/LOGINHOME.HTML
Filled the
required
field

11. NOW YOU ARE LOG IN
USER NAME
CLICK
HERE

12. Now
click
here
Now click ITR-V OR RECEIPT

13. NOW YOU WILL GET ITR IN PDF WITH PASSWORD PROTECTED
PASSWORD PAN (IN SMALL) +DOB (DDMMYYYY)

14. YOU CAN GET ACKNOLEDMENT RECEIPT ALSO

15. AADHAAR (UIDAI) VERIFICATION

16. FOR VERIFICATION OF AADHAAR
WRITE
AADHAR
NUMBER
297805730991
0123
VERIFY
Security code

17. YOU WILL GET STATUS OF AADHAAR

18. ONLINE CHECKING OF LINKING STATUS OF
AADHAAR CARD WITH BANK
HTTPS://RESIDENT.UIDAI.NET.IN/

19. Aadhar No.
Security
code

20. YOU WILL GET BANK LINK STATUS

21. VOTERS CARD SEARCH
HTTP://WWW.ELECTORALSEARCH.IN/

22. VOTERS CARD SEARCH
HTTP://WWW.ELECTORALSEARCH.IN/

23. DRIVING LICENSE SEARCH
HTTP://MIS.MPTRANSPORT.ORG/MPLOGIN/ESEW
A/DRIVINGLICENSESEARCH.ASPX

24. VAHAN REGISTRATION
ONLINE VERIFICATION OF VEHICLE
REGISTRATION IN INDIA
By SMS all over India on MOBILE No.
7 7 3 8 2 9 9 8 9 9
 TYPE - “VAHAN MHO5BK8403”
 and SMS on Mobile No. 7738299899. You will get
details of vehicle and hypothecation bank name by
SMS within short time.

25. VAHAN REGISTRATION – MP
HTTP://MPTRANSPORT.ORG/MPLOGIN/ESEWA/VE
HICLESEARCH.ASPX

26. VAHAN REGISTRATION – MP
HTTP://MPTRANSPORT.ORG/MPLOGIN/ESEWA/VE
HICLESEARCH.ASPX

27. VAHAN REGISTRATION – MP
HTTP://MPTRANSPORT.ORG/MPLOGIN/ESEWA/VE
HICLESEARCH.ASPX

28. HTTPS://VAHAN.NIC.IN/NRSERVICES/FACES
/USER/JSP/SEARCHSTATUS.JSP

29. VAHAN REGISTRATION
HTTPS://PARIVAHAN.GOV.IN/

30. GOODS AND SERVICE TAX (GST)VERIFICATION
(WWW.GST.GOV.IN)

31. GOODS AND SERVICE TAX (GST) VERIFICATION
(WWW.GST.GOV.IN)

32. HTTP://LANDRECORDS.MP.GOV.IN

33. ONLINE VERIFICATION OF COMPANY CHARGE MCA21

37. RBI DEFAULTER LIST IS AVAILABLE IN CAPS
LOG IN CAPS

38. YOU MAY SEARCH RBI DEFAULTER LIST

39. CERSAI--IMPORTANT POINTS TO REMEMBER
 On line search to be taken on CERSAI website
www.cersai.org.in before processing any loan
application
 Copy of the search report to be kept along with
security documents
 In case of No Records copy of printout of screenshot
duly signed by officer taking search to be kept on
record
 Bank’s charge with CERSAI to be registered
immediately after creation of valid EQM & before
disbursement of loan
 (BC 107/40 Dt. 01.06.2013)

40. IMPORTANT POINTS TO REMEMBER
 Branch to make token disbursement,
create EQM & then only go for
disbursement
 Confirmation of registration of charge with
CERSAI with Asset ID No. received from
CERSAI to be kept on record
 CERSAI charge is a part of CPA exercise
(BC 107/98 Dt. 30.08.2013)

41. HOW TO CHECK WHETHER CHARGE ON PROPERTY
PROPOSED TO BE MORTGAGED ALREADY EXISTS OR NOT
Type www.cersai.org on address bar for login. Put USER
ID and Password.
If not registered member, go to Public Search column
and click. Following Screen will appear:
Fee for search is 50.00 (plus Service Tax) which
is to be paid online.
 Search can be performed in the following 4
simple steps:
1. Click Pay and Search Link.
2. Fill the details of property you want to search
and confirm.
3. Proceed to pay the fee.
4. Download Report.

43. Now click on Add Security Interest on the left hand side under
column Data Collection and you will get the following screen:

44. Now click on Yes or No. Mostly it is Yes under first two
columns and No under third column. Now also click on
Please select and select the type of property and press
enter key. Following screen will appear :
Now click on all the 4 columns and keep the information ready :

45. Click on Proceed, you will get the following screen

46. Now fill up required columns but red astrick marked are
compulsory and you will get following screen.

47. Now click on FIND SIMILAR ASSETto know as to whether
any charge exists on the Property proposed to be
mortgaged. You will get the remark the functionality can
be inquired at two times only. Click O.K. and you will get
the details of property and if charge of any bank exists, it
will show under Satisfaction Status as Not Satisfied
as per following screen:

48. ONLINE SEARCH

49. CIBIL
Credit Information Bureau
(India) Limited

50. WHAT IS CIBIL
 CIBIL is a Credit information company founded in
August 2000.
 CIBIL India’s 1st credit information Bureau was
established by SBI and HDFC , with 40%
shareholding of each , while Dun & Bradstreet
information services India Pvt Ltd and Trans
Union International Inc. hold 10% each.
 CIBIL is a repository of information, which
contains the credit history of commercial and
consumer borrowers.

51. MEMBERS OF CIBIL
 Banks
 Financial Institutions
 Non Banking Financial Companies
 Housing Financing Companies
 Credit Card Companies

52. ON WHICH SEGMENTS DOES CIBIL
PROVIDE CREDIT REPORTS?
 CIBIL is a composite Credit Bureau, which
caters to both commercial and consumer
segments.
 The Consumer Credit Bureau covers credit
availed by individuals while the Commercial
Credit Bureau covers credit availed by non-
individuals such as partnership firms,
proprietary concerns, private and public limited
companies, etc.

53. CIBIL SCORE
 A Credit Score or the CIBIL Trans
Union Score is a three-digit numeric
summary of your credit history
 The score is derived using the
credit history found in your Credit
Information Report (CIR)

54.  CIBIL scores are calculated on the basis of at
least 6 months of financial data of an
individual.
 The CIBIL score ranges from 300 to 900.
 The data indicates that loan providers prefers
credit scores which are greater than 750.
CIBIL SCORE - MEANING

55. ANALYSIS OF CIBIL SCORE
Score Analysis
-1
Borrower has no history of borrowings with
any member of CIBIL
300 – 600 In general credit cards and loans are not
provided to people in this slab.
601 – 750 This is intermediate range of scores and will
allow to borrow from various lenders ,
however banks may refer to overall financial
position.
750+ Scores above 750 considered to be good and
will help getting loan or a credit card with
ease.

56.  Cheque Bounce/ dishonors
 Irregular Loan Payments
 Defaulting on Credit Card bills / making
late payments or consistent part payments.
 Defaulting as a Guarantor.
Reasons for Low Cibil score

57.  Quick processing of loan and credit card
applications.
 More negotiating power.
 Easy availability of credit such as Loans.
 Assurance of Safety.
ADVANTAGES OF HIGHER CIBIL SCORE

58. CHECK YOUR CIBIL SCORE
 We advise you to check your CIBIL score before apply
for a loan as it could be one of the reasons why a
bank may reject the loan application. Steps to check
your CIBIL Score online:
 1. Fill up an online application form on www.cibil.com
(Fill all the personal details like name, address, date
of birth, company information and income type.)
 2. Pay Rs. 470 as charges for obtaining your CIBIL
score and Customer Information Report

59. CHECK THE CIBIL SCORE
3. Authenticate yourself by answering at least three out of the
five personal questions which will be based on your credit
history like loans and credit cards availed by you till date.
4. Post authentication you will be mailed your CIBIL score
immediately.
5. If you are unable to authenticate yourself online, you will
have to take a printout of the form, attach your identity
proof (PAN Card, Passport, Voter’s ID or Driver’s License)
and address proof (Bank Statement, Electricity/Telephone
Bill, Passport, Credit Card Statement or Voter’s ID) and
send the same to CIBIL.

64. CIBIL SCORE

65. If you see "Not Disclosed" for an account, identify
the lender and loan account number.
 If you find an inaccuracy, submit a dispute.
If you have already filed a dispute, check if the
account was updated.
If you could not verify your identity online, upload
supporting documents.
If you already submitted documents to verify your
identity, get an update.
22 - 6638 4600 / 22 - 6140 4300
CIBIL SCORE