Noor Javed

Student or first job · Hyderabad · APP-24127 · received 17 Sept 2026

Requested

PKR 75,000

Term

9 months

Purpose

Education fees

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 578.

Mobile number age
−49
Same mobile number for 1 years 6 months.
Utility bills paid on time
−33
Paid 9 of 24 utility bills on or before the due date.
Data sources connected
−11
3 of 5 data sources connected.
Failed mobile payments
+6
No failed mobile payments.
Mobile account activity
+6
Mobile account was topped up in 11 of the last 12 months.
Wallet balance cushion
−4
Average wallet balance of PKR 14,838 against PKR 21,579 monthly wallet spend.
Utility bills left unpaid
−2
3 utility bills were left unpaid for over 30 days.

Not connected: Bank account, Repayment history. 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

Declined

“Affordability does not hold at the requested amount. Declined; customer invited to reapply for a smaller loan.”

Imran Javed · 18 Sept 2026

Data shared