HQ
Hamza Qureshi
Salaried employee · Islamabad · APP-24104 · received 18 Sept 2026
Requested
PKR 85,000
Term
9 months
Purpose
Home repair
- Repay probability
- 95%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 779.
- Utility bills paid on time+42
Paid 19 of 24 utility bills on or before the due date.
- Mobile number age+32
Same mobile number for 10 years 11 months.
- Spending volatility+19
Monthly spending ranged from PKR 94,800 to PKR 130,350.
- Data sources connected+16
5 of 5 data sources connected.
- Mobile account activity+15
Mobile account was topped up in 12 of the last 12 months.
- Instalments paid on time−12
Paid 2 of 6 previous loan instalments on time.
- Savings buffer−11
Balance typically covers 0.5 months of spending.
Cash flow
Ravi Commercial Bank · last 12 months
Money inMoney out
Recommendation
Approve
Meets every policy check. Eligible for instant approval.
- Credit score779 vs approve ≥ 660, decline < 560
- Debt-to-income21% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 10,580
- Verified income
- PKR 118,300
- Existing instalments
- PKR 14,700
- Max affordable
- PKR 262,000
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