KA
Kiran Abbasi
Over-extended household · Islamabad · APP-24111 · received 30 Sept 2026
Requested
PKR 120,000
Term
18 months
Purpose
Medical
- Repay probability
- 64%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 614.
- Utility bills paid on time−33
Paid 9 of 24 utility bills on or before the due date.
- Mobile number age+27
Same mobile number for 9 years 6 months.
- Overdrawn days−19
Account was overdrawn about 22.4 days a month.
- Savings buffer−15
Balance typically covers 0.0 months of spending.
- Utility bills left unpaid−9
6 utility bills were left unpaid for over 30 days.
- Spending volatility+9
Monthly spending ranged from PKR 59,450 to PKR 84,450.
- Income covers spending−7
Spending exceeded income by 8% over the year.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Ravi Commercial Bank · last 12 months
Money inMoney out
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score614 vs approve ≥ 660, decline < 560
- Debt-to-income11% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Overdraft patternOverdrawn ~22.4 days a month
- Utility arrears6 bills unpaid past 30 days
- Monthly instalment
- PKR 8,241
- Verified income
- PKR 72,400
- Existing instalments
- PKR 0
- Max affordable
- PKR 421,000
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—