4
Checks Passed
1
Review Needed
0
Pending
Low
Risk Rating
External Verification Checks
Real-time KYC verification from external databases
PAN VerificationPassed
1.2s
Income Tax Department API•2024-01-15 09:35:22
Valid PAN
pan Status:Active
name Match:100% Match
aadhaar Linked:Yes
last Updated:2023-12-01
CKYC SearchPassed
2.1s
Central KYC Registry•2024-01-15 09:36:15
CKYC Record Found
ckyc Id:CK1234567890
kyc Status:Verified
last Kyc Date:2023-06-15
kyc Type:Full KYC
Credit Bureau CheckPassed
3.5s
CIBIL / Experian•2024-01-15 09:37:45
Credit Score: 752
credit Score:752
score Range:Good (700-900)
active Accounts:4
defaults:0
enquiries30 Days:1
Risk Contribution:15 points
Address VerificationReview
2.8s
Utility Records API•2024-01-15 09:39:12
Partial Match
match Score:78%
utility Provider:Tata Power
address Variation:Flat no. differs
recommendation:Manual verification recommended
Risk Contribution:25 points
Risk Assessment
AI-consolidated risk scoring
20/ 100
Based on 4 verification checks
Risk Factor Breakdown
PAN Verification0/25
CKYC Status0/25
Credit History5/25
Address Match15/25
Risk Indicators
Good credit history (752)
Valid CKYC record exists
Address verification partial
AI Recommendation
Low risk profile. All critical checks passed. Recommend proceeding with approval after manual address verification.
Consolidated Customer View
Complete customer profile from all verified sources
Personal Details
full NameRajesh Kumar Sharma
father NameMohan Lal Sharma
dob15-03-1985
genderMale
marital StatusMarried
nationalityIndian
Identity Documents
PAN
ABCPS1234K
PAN StatusActive & Verified
Aadhaar
XXXX XXXX 4567
CKYC IDCK1234567890
Contact Information
Mobile
9876543210
Email
rajesh.sharma@email.com
Address
42, Lokhandwala Complex, Andheri West, Mumbai 400053
Partial VerificationFinancial Profile
OccupationBusiness Owner
Annual Income15-25 Lakhs
Credit Score752 - Good
Existing CustomerNone