Online Documents verification

ONLINE VERIFICATIONOF DOCUMENTS

Presented by, Abinash Kr. Mandilwar Chief Manager & Faculty Member BOI Staff Training College, Bhopal

PAN VERIFICATION

“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 NetworkF4

ONLINE VERIFICATION OF PAN CARD NUMBER

SEARCH PAN CHEQUE IN GOOGLE

30/09/1967

MANDILWARKUMARABINASH

704628SUBMI

T

YOU MAY SEARCH NAME & OTHER DETAILS THROUGH PAN

TYPE ‘KNOW DETAILS THROUGH PAN NUMBER’HTTPS://INCOMETAXINDIAEFILING.GOV.IN/E-FILING/SERVICES/KNOWYOURJURISDICTIONLINK.HTML

AFEPT0634E

614830SUBMI

T

YOU WILL GET THE DETAIL OF PAN

YOU MAY VERIFY FROM OTHER SITE ALSO

http://pancardoffice.com/know-pan-card-holder-name-address-pan-number/

AFEPT0634E158634

SUBMIT

YOU WILL GET THE DETAIL OF PAN

ONLINE ITR VERIFICATION

FOR ONLINE ITR VERICATION VISIT HTTPS://INCOMETAXINDIAEFILING.GOV.IN/E-FILING/USERLOGIN/LOGINHOME.HTML

Filled the

required field

NOW YOU ARE LOG IN

USER NAME

CLICK

HERE

Now click here

Now click ITR-V OR RECEIPT

NOW YOU WILL GET ITR IN PDF WITH PASSWORD PROTECTED

PASSWORD PAN (IN SMALL) +DOB (DDMMYYYY)

YOU CAN GET ACKNOLEDMENT RECEIPT ALSO

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.

AADHAR (UIDAI) VERIFICATION

FOR VERIFICATION OF AADHAR

WRITE AADHA

R NUMBE

R

297805730991

0123

VERIFY

Security code

YOU WILL GET STATUS OF AADHAR

ONLINE CHECKING OF LINKING STATUS OF

AADHAR CARD WITH BANKHTTPS://RESIDENT.UIDAI.NET.IN/

Aadhar No.

Security code

YOU WILL GET BANK LINK STATUS

TINCSTSERVICE TAX No.

verification

TAXPAYER IDENTIFICATION NUMBER (TIN) VERIFICATION

Search Google ‘TIN No. verification IN MP’

SERVICE TAX ASSESSEE NUMBER VERIFICATIN

YOU WILL GET THE DETAIL OF ASSESSEE

ONLINE VERIFICATION OF COMPANY CHARGE MCA21

RBI DEFAULTER LIST IS AVAILABLE IN CAPSLOG IN CAPS

YOU MAY SEARCH RBI DEFAULTER LIST

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)

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)

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.

Now click on Add Security Interest on the left hand side under column Data Collection and you

will get the following screen:

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 :

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 Satisfiedas per following screen:

CIBIL Credit Information Bureau

(India) Limited

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.

MEMBERS OF CIBIL Banks

Financial Institutions

Non Banking Financial Companies

Housing Financing Companies

Credit Card Companies

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.

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)

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

ANALYSIS OF CIBIL SCORE

Score Analysis

-1Borrower 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.

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

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

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

CHECK THE CIBIL SCORE3. 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.