KM
Kiran Malik
Salaried employee · Sialkot · APP-24115 · received 24 Sept 2026
Requested
PKR 275,000
Term
12 months
Purpose
Motorbike
- Repay probability
- 88%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 716.
- Utility bills paid on time+35
Paid 18 of 24 utility bills on or before the due date.
- 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.
- Mobile number age−14
Same mobile number for 5 years 2 months.
- Savings buffer−14
Balance typically covers 0.2 months of spending.
- Instalments paid on time+9
Paid 5 of 7 previous loan instalments on time.
- Spending volatility+9
Monthly spending ranged from PKR 84,450 to PKR 125,400.
Cash flow
Margalla Bank · last 12 months
Money inMoney out
Recommendation
Approve
Meets policy. Above the instant limit, so an analyst confirms.
- Credit score716 vs approve ≥ 660, decline < 560
- Debt-to-income34% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Utility arrears3 bills unpaid past 30 days
- Monthly instalment
- PKR 26,539
- Verified income
- PKR 107,200
- Existing instalments
- PKR 9,400
- Max affordable
- PKR 346,000
Income source: median monthly bank deposits
Decision
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Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history