SI
Sana Iqbal
Over-extended household · Faisalabad · APP-24103 · received 19 Sept 2026
Requested
PKR 145,000
Term
12 months
Purpose
Rent advance
- Repay probability
- 35%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 527.
- Utility bills paid on time−48
Paid 7 of 24 utility bills on or before the due date.
- Overdrawn days−27
Account was overdrawn about 28.3 days a month.
- Mobile number age−22
Same mobile number for 4 years 4 months.
- Data sources connected+16
5 of 5 data sources connected.
- Savings buffer−15
Balance typically covers 0.0 months of spending.
- Instalments paid on time−12
Paid 4 of 12 previous loan instalments on time.
- Utility bills left unpaid−12
7 utility bills were left unpaid for over 30 days.
Cash flow
Ravi Commercial Bank · last 12 months
Money inMoney out
Recommendation
Decline
Fails a hard policy check. Recommend decline with reasons.
- Credit score527 vs approve ≥ 660, decline < 560
- Debt-to-income20% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Overdraft patternOverdrawn ~28.3 days a month
- Utility arrears7 bills unpaid past 30 days
- Monthly instalment
- PKR 13,993
- Verified income
- PKR 71,000
- Existing instalments
- PKR 0
- Max affordable
- PKR 294,000
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