LO-2604-0015

PERSONAL Loan

auto approve

₹1,75,000 · 24 months

Fraud verdict

8/100

clean

Credit score

762/850

auto_approve

EMI / Rate

₹8,421

14.20% p.a.

Credit officer narrative

RBI-compliant explainable decision

Borrower exhibits Tier 1 prime-grade signals: stable salary credit for 24 months, FOIR of 22% post-EMI, and zero DPD across 4 credit accounts. Recommend auto-approve at 14.2% with standard NACH mandate.

Borrower-facing explanation

Plain language, KFS-ready

Great news! Based on your strong credit history and stable income, your application is approved at our best rate.

Strengths

Stable salary credit
FOIR < 35%
Zero DPD

Concerns

High utilisation on credit card

Improvement plan

Reduce credit card utilisation to <30%