Amna Siddiqui

Over-extended household · Sialkot · APP-24116 · received 25 Sept 2026

Requested

PKR 210,000

Term

9 months

Purpose

Debt consolidation

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 597.

Utility bills paid on time
−71
Paid 4 of 24 utility bills on or before the due date.
Instalments paid on time
−18
Paid 2 of 9 previous loan instalments on time.
Mobile account activity
+15
Mobile account was topped up in 12 of the last 12 months.
Mobile number age
+10
Same mobile number for 7 years 8 months.
Wallet balance cushion
−8
Average wallet balance of PKR 32,588 against PKR 99,725 monthly wallet spend.
Data sources connected
+2
4 of 5 data sources connected.
Failed mobile payments
+2
1 of 25 mobile payments failed.

Not connected: Bank account. Those factors are scored at the population average and lower confidence.

No bank account connected

Bank data not shared

Income was estimated from wallet activity instead. Ask the customer to connect a bank account for larger amounts.

Refer

Borderline on one or more checks. Route to an analyst.

Income source: wallet activity (estimated)

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