Hira Khan

Over-extended household · Hyderabad · APP-24133 · received 21 Sept 2026

Requested

PKR 125,000

Term

12 months

Purpose

Rent advance

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 639.

Mobile number age
+27
Same mobile number for 9 years 6 months.
Utility bills paid on time
−26
Paid 5 of 12 utility bills on or before the due date.
Wallet balance cushion
−11
Average wallet balance of PKR 9,783 against PKR 80,713 monthly wallet spend.
Days late on instalments
−10
Instalments were paid 66.7 days late on average.
Utility bills left unpaid
−4
2 utility bills were left unpaid for over 30 days.
Mobile account activity
−4
Mobile account was topped up in 10 of the last 12 months.
Instalments paid on time
−3
Paid 6 of 12 previous loan instalments on time.

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