OS
Omar Siddiqui
Small shop owner · Islamabad · APP-24121 · received 26 Sept 2026
Requested
PKR 300,000
Term
18 months
Purpose
Shop expansion
- Repay probability
- 78%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 660.
- Utility bills paid on time−18
Paid 11 of 24 utility bills on or before the due date.
- Mobile number age+15
Same mobile number for 8 years 3 months.
- Savings buffer−9
Balance typically covers 0.9 months of spending.
- Overdrawn days+6
Account was overdrawn about 2.5 days a month.
- Mobile account activity−4
Mobile account was topped up in 10 of the last 12 months.
- Spending volatility+4
Monthly spending ranged from PKR 89,300 to PKR 159,650.
- Utility bills left unpaid+3
1 utility bill was left unpaid for over 30 days.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Indus Savings Bank · last 12 months
Money inMoney out
Recommendation
Approve
Meets policy. Above the instant limit, so an analyst confirms.
- Credit score660 vs approve ≥ 660, decline < 560
- Debt-to-income16% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Monthly instalment
- PKR 20,602
- Verified income
- PKR 132,400
- Existing instalments
- PKR 0
- Max affordable
- PKR 771,000
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—