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Ayesha Iqbal

Salaried employee · Lahore · APP-24113 · received 24 Sept 2026
Requested
PKR 145,000
Term
12 months
Purpose
Home repair
727Good · Grade B300850
Repay probability
90%
Confidence
High
Score trend
6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 727.

  • Utility bills paid on time
    +20

    Paid 16 of 24 utility bills on or before the due date.

  • Spending volatility
    +20

    Monthly spending ranged from PKR 57,050 to PKR 73,550.

  • Data sources connected
    +16

    5 of 5 data sources connected.

  • Overdrawn days
    +10

    Account never went overdrawn.

  • Wallet balance cushion
    −7

    Average wallet balance of PKR 3,688 against PKR 8,196 monthly wallet spend.

  • Mobile number age
    +7

    Same mobile number for 7 years 4 months.

  • Mobile account activity
    +6

    Mobile account was topped up in 11 of the last 12 months.

Cash flow

Indus Savings Bank · last 12 months

Money inMoney out

Recommendation

Approve

Meets policy. Above the instant limit, so an analyst confirms.

  • Credit score
    727 vs approve ≥ 660, decline < 560
  • Debt-to-income
    21% of income vs 40% limit
  • Data coverage
    5 of 5 sources connected (minimum 3)
  • Loan tier
    Above PKR 100,000 — analyst review and documents required
  • Utility arrears
    2 bills unpaid past 30 days
Monthly instalment
PKR 13,993
Verified income
PKR 68,000
Existing instalments
PKR 0
Max affordable
PKR 281,000
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