Credit Engine
Feed it a raw bureau report. Get back a risk grade, a priced offer, and the exact reasons behind them — deterministic, explainable, and the same every time for the same inputs.
Deterministic, low-latency decisioning. No fabricated benchmarks — we publish numbers once they're measured in your deployment.
Two stages: knock out, then price.
Eligibility is a hard gate. Only files that pass reach pricing, where a transparent scorecard places each applicant into one of ten grades.
Eligibility knockouts
Deterministic pass/fail policy gates — minimum score, age and income bounds, active defaults, recent enquiries, DPD ceilings, FOIR caps. Any knockout fails fast and returns exactly which rule stopped the file.
10-grade risk-based pricing
Passing files cascade grade 1 → 10; the first grade whose gates pass yields the priced offer. Each grade carries two rate bands — a daily rate for the 30-day bullet product and a monthly rate for EMI personal loans (reducing balance). Same knockouts, same grading, both products.
The full rate card is below — real policy defaults, configurable per tenant.
Ten grades, two rate bands.
The engine's default policy. A grade prices the bullet product in a daily rate and the EMI product in a monthly reducing-balance rate — one grading, two products.
| Grade | Label | Limit (₹) | Bullet · %/day | EMI · %/month |
|---|---|---|---|---|
| 01 | Premium | 50,000 | 0.70 | 1.50 |
| 02 | Elite | 45,000 | 0.80 | 1.70 |
| 03 | Prime | 40,000 | 0.90 | 1.90 |
| 04 | Standard | 30,000 | 1.00 | 2.10 |
| 05 | Near-prime | 20,000 | 1.10 | 2.30 |
| 06 | Watch | 15,000 | 1.20 | 2.50 |
| 07 | Sub-prime | 10,000 | 1.30 | 2.70 |
| 08 | High-risk | 7,000 | 1.40 | 2.90 |
| 09 | Thin-file | 5,000 | 1.50 | 3.10 |
| 10 | Entry | 3,000 | 1.50 | 3.30 |
Default policy values; every gate, limit, and band is tenant-configurable. EMI tenures: 3, 6, 9, or 12 months, amortized on a reducing balance.
Every decision shows its work.
No score without a reason. Each response carries the rules that fired and the contribution of each factor — ready for adverse-action notices and audit.
{
"grade": 4,
"fired_rules": [
{ "id": "KO_ACTIVE_DEFAULT", "result": "pass" },
{ "id": "KO_MIN_SCORE", "result": "pass" },
{ "id": "GRADE_4_GATE", "result": "matched" }
],
"score_contributions": [
{ "factor": "bureau_score", "points": +48 },
{ "factor": "tradeline_mix", "points": +12 },
{ "factor": "dpd_history", "points": -22 },
{ "factor": "foir", "points": -14 }
],
"offer": {
"limit": 30000,
"daily_rate": "1.00%",
"monthly_rate": "2.10%"
}
}Fired rules
The ordered list of policy rules evaluated and whether each passed, failed, or applied an adjustment.
Score contributions
Signed points per factor, so you can see precisely why a file landed where it did.
Adverse-action ready
The reason codes map cleanly to declined / counter-offer notices your compliance team can stand behind.
One report shape, any bureau.
The engine normalizes every bureau into one internal report shape, so your rules are written once and run against any source. Adapters for CIBIL, CRIF High Mark, Experian, and Equifax are enabled on onboarding with your credentials — we don't present them as live until your keys are wired.
- 01CIBILOn onboarding
- 02CRIF High MarkOn onboarding
- 03ExperianOn onboarding
- 04EquifaxOn onboarding
Run a real bureau report through it.
Bring a scenario. We'll show you the knockouts, the grade, the priced offer in both rate bands, and the reasons — live.