AK
Ayesha Khan
Freelancer · Lahore · APP-24101 · received 19 Sept 2026
Requested
PKR 150,000
Term
12 months
Purpose
Laptop
- Repay probability
- 84%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 691.
- Utility bills paid on time+50
Paid 20 of 24 utility bills on or before the due date.
- Mobile account activity−22
Mobile account was topped up in 8 of the last 12 months.
- Spending volatility−16
Monthly spending ranged from PKR 57,050 to PKR 141,250.
- Overdrawn days+10
Account never went overdrawn.
- Wallet balance cushion−7
Average wallet balance of PKR 7,696 against PKR 16,288 monthly wallet spend.
- Utility bills left unpaid+5
No utility bill was left unpaid past 30 days.
- Income covers spending+4
Income exceeded spending by 11% over the year.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Indus Savings Bank · last 12 months
Money inMoney out
Recommendation
Approve
Meets policy. Above the instant limit, so an analyst confirms.
- Credit score691 vs approve ≥ 660, decline < 560
- Debt-to-income13% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Monthly instalment
- PKR 14,476
- Verified income
- PKR 111,300
- Existing instalments
- PKR 0
- Max affordable
- PKR 461,000
Income source: median monthly bank deposits
Decision
The model recommends; you decide. A reason is required and goes to the audit log.
Add a short reason to enable the buttons.
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history—