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Decimal Lending

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Attribute Search

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Product Programs

5 of 5 — configure and manage decision applications.

Policies

Master list of policies and their attribute mappings.

Bank Statement SA

SP_BKS_SA_01

Underwriting

Evaluates savings account behaviour — salary credits, balances, bounces and obligations for lending decisions.

In-Principle Approval

Data Sources: Bank Statement Ind

1 Data Sources 6 Attributes 4 Rules

GST Sourcing Policy

SP_GST_REG_01

Compliance

Ensures PAN is linked to at least one active GSTIN as per GSTN.

FTR/GateKeeping

Data Sources: GST Return, PAN

2 Data Sources 6 Attributes 4 Rules

Lending KYC — Individual

LENDING_IND_KYC

AML/KYC

Ensures compliance with KYC regulations — Aadhaar–PAN linking and Aadhaar verification.

FTR/GateKeeping

Data Sources: Aadhaar, PAN

2 Data Sources 3 Attributes 3 Rules

Bureau Sourcing

SP_CBNI_SRC_01

Bureau

Consumer bureau eligibility check based on score, DPD and enquiries.

Approval/Rejection

Data Sources: Bureau Ind

1 Data Sources 3 Attributes 3 Rules

Aadhaar Authenticity

SP_AADHAAR_01

AML/KYC

Ensures Aadhaar is authenticated successfully with UIDAI.

FTR/GateKeeping

Data Sources: Aadhaar

1 Data Sources 2 Attributes 2 Rules

Average Banking Behaviour

ABB_POL_001

Credit

Evaluates customer banking behaviour including balances, inflows, outflows and stability across bank accounts.

In-Principle Approval

Data Sources: Bank Statement Ind

1 Data Sources 2 Attributes 2 Rules

Udyam MSME Eligibility

SP_UDY_01

Eligibility

Validates Udyam MSME registration for business borrowers.

Approval/Rejection

Data Sources: Udyam Certificate

1 Data Sources 2 Attributes 2 Rules

Form 16 Income Check

SP_F16_INC

Documentation

Salaried income verification through Form 16 employer certificate.

In-Principle Approval

Data Sources: Form 16

1 Data Sources 2 Attributes 2 Rules

Document Fraud Screen

FRAUD_DOC_01

Fraud

Cross-document forgery and tamper screening.

FTR/GateKeeping

Data Sources: Aadhaar, Bank Statement Ind, GST Return

3 Data Sources 3 Attributes 3 Rules

Data Sources

38 of 38 data sources available for PPD mapping.

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