Applicant & Loan Details
Required for database record & audit
GO / NO-GO Policy Knockout Criteria (Disqualifiers)
Qualitative Parameters
Weightage: 45%
Score: —
Age
Weight: 10
Attribute
Scoring Scale
Score
21–30 years
3
31–40 years
5
41–50 years
10
>50 years
7
Comments
Business Vintage
Weight: 10
Attribute
Scoring Scale
Score
<5 years
2
5–10 years
5
11–15 years
8
>15 years
10
Comments
Home & Shop Ownership
Weight: 10
Attribute
Scoring Scale
Score
Rented
5
Owned
10
Parental
7
Comments
Constitution
Weight: 5
Attribute
Scoring Scale
Score
Proprietorship
1
Partnership
3
Company
5
Comments
Income Source
Weight: 10
Attribute
Scoring Scale
Score
Single Source
5
Customer has other income
10
Customer family has other income
8
Comments
Quantitative Parameters
Weightage: 55%
Score: —
Debt Burden Ratio (DBR)
Weight: 20
Attribute
Scoring Scale
Score
≤30%
20
31–35%
15
36–40%
10
41–45%
8
>45%
5
Comments
Gross Margin
Weight: 10
Attribute
Scoring Scale
Score
≤10%
3
11–20%
5
21–30%
8
>30%
10
Comments
Working Capital Cycle
Weight: 10
Attribute
Scoring Scale
Score
<30 days
10
31–60 days
7
61–90 days
5
>90 days
2
Comments
Customer Margin in Transaction
Weight: 10
Attribute
Scoring Scale
Score
>40%
10
36–40%
8
31–35%
6
26–30%
4
<25%
2
Comments
Average Banking
Weight: 5
Attribute
Scoring Scale
Score
Less than 1×
1
1× – 1.5×
2
1.5× – 2×
4
Greater than 2×
5
Comments
Evaluation Completeness
0 of 20 fields completed
Final Score & Credit Assessment
Total Maximum Score: 100
—
out of 100
Credit Risk Tier
Pending
Complete all fields to see risk assessment
Standard Scoring Bands
Lowest Risk85–100
Low Risk71–84
Moderate Risk61–70
High Risk47–60
Highest Risk29–46