AM
Ali Malik
Small shop owner · Hyderabad · APP-24136 · received 20 Sept 2026
Requested
PKR 245,000
Term
24 months
Purpose
Working capital
- Repay probability
- 63%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 608.
- Overdrawn days−26
Account was overdrawn about 27.3 days a month.
- Utility bills paid on time+20
Paid 16 of 24 utility bills on or before the due date.
- Mobile number age−19
Same mobile number for 4 years 8 months.
- Savings buffer−15
Balance typically covers 0.0 months of spending.
- Income covers spending−9
Spending exceeded income by 11% over the year.
- Wallet balance cushion−4
Average wallet balance of PKR 11,521 against PKR 17,596 monthly wallet spend.
- Mobile account activity−4
Mobile account was topped up in 10 of the last 12 months.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Margalla Bank · last 12 months
Money inMoney out
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score608 vs approve ≥ 660, decline < 560
- Debt-to-income6% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Overdraft patternOverdrawn ~27.3 days a month
- Utility arrears2 bills unpaid past 30 days
- Monthly instalment
- PKR 13,448
- Verified income
- PKR 220,375
- Existing instalments
- PKR 0
- Max affordable
- PKR 1,605,000
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—