RQ
Rabia Qureshi
Over-extended household · Faisalabad · APP-24108 · received 14 Sept 2026
Requested
PKR 100,000
Term
12 months
Purpose
Medical
- Repay probability
- 75%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 652.
- Mobile number age−27
Same mobile number for 3 years 9 months.
- Overdrawn days+10
Account never went overdrawn.
- Spending volatility+9
Monthly spending ranged from PKR 79,100 to PKR 120,650.
- Savings buffer−8
Balance typically covers 0.9 months of spending.
- Mobile account activity+6
Mobile account was topped up in 11 of the last 12 months.
- Failed mobile payments−5
3 of 24 mobile payments failed.
- Utility bills left unpaid+5
No utility bill was left unpaid past 30 days.
Not connected: Mobile wallet. Those factors are scored at the population average and lower confidence.
Cash flow
Indus Savings Bank · last 12 months
Money inMoney out
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score652 vs approve ≥ 660, decline < 560
- Debt-to-income22% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 9,651
- Verified income
- PKR 99,300
- Existing instalments
- PKR 12,300
- Max affordable
- PKR 284,000
Income source: median monthly bank deposits
Decision
Approved
“Borderline score but stable income and on-time utilities. Approved with standard terms.”
Imran Javed · 15 Sept 2026
Data shared
- Utility bills
- Mobile account
- Mobile wallet—
- Bank account
- Repayment history