API Development

Crimecheck NA
E-Score Risk
Blackbox Risk
Scoreme NA
ITR NA
MCA NA

Data source Parameter

Score
90+ DPD
Consumer bureau SMA
Overdue
Other DPD

CMR
90+ DPD
Commercial bureau
SMA
Overdue
Other DPD

Post loan DSCR

Cash runway

Financial statements
Debtor days

Creditor days
 Stock days
Other surrogate checks As per last shared policy

CRPC cases
Crimecheck

CIVIL Case
Integration Risk Spoc
T&P Prashant
T&P Ashok
T&P Ashok
T&P Prashant
T&P Prashant
T&P Prashant

Criteria Remarks Apllicability

>675, NTC None
0 None
None None
<1000 Can be cleared with NOC and Applicable to all co
justification borrower

<=6, NTC
0
Applicable to Entity
None
<1000 Can be cleared with NOC and
justification
can go to 0.7 if funding
>=0.8 runway is > 12 months PAT positive company

Calculated based on Liquid

cash/1.3*monthly EBIDTA
> N+1 months burn PAT negative company

<90, Can be extended based on Mitigation on Increase against

industry type last year will not be applicable All companies

<90, Can be extended based on Mitigation on Increase against

industry type last year will not be applicable All companies
<90, Can be extended based on Mitigation on Increase against
industry type last year will not be applicable All companies
As per last shared policy All borrowers
No Very high and high risk cases other Can be proceed with NOC
than trafic cases from authority All companies
No Very high and high risk cases other Can be proceed with NOC
than basic taxation cases from authority All companies
Projects Expected completion date
GST registration certificate OCR
ITR Parser
Shareholding pattern parser
Bank statement parser
Tempering check on documents
Variables
Total number of cases :-Very high risk
Number of disposed cases :-Very high risk
No of pending cases :-Very high risk
No of convicted cases:-Very high risk
No of CIVIL Cases:-Very high risk
No of criminal cases :-Very high risk
No of tribunal cases :-Very high risk
Negotiable instrument act cases :-Very high risk
Traffic rules cases:-Very high risk
No of arbitration cases:-Very high risk
Total number of cases :-High risk
Number of disposed cases :-High risk
No of pending cases :-High risk
No of convicted cases:-High risk
No of CIVIL Cases:-High risk
No of criminal cases :-High risk
No of tribunal cases :-High risk
Negotiable instrument act cases :-High risk
Traffic rules cases:-High risk
No of arbitration cases:-High risk
Total number of cases :-Moderate/Average risk
Number of disposed cases :-Moderate/Average risk
No of pending cases :-Moderate/Average risk
No of convicted cases:-Moderate/Average risk
No of CIVIL Cases:-Moderate/Average risk
No of criminal cases :-Moderate/Average risk
No of tribunal cases :-Moderate/Average risk
Negotiable instrument act cases :-Moderate/Average risk
Traffic rules cases:-Moderate/Average risk
No of arbitration cases:-Moderate/Average risk
Total number of cases :-Low risk
Number of disposed cases :-Low risk
No of pending cases :-Low risk
No of convicted cases:-Low risk
No of CIVIL Cases:-Low risk
No of criminal cases :-Low risk
No of tribunal cases :-Low risk
Negotiable instrument act cases :-Low risk
Traffic rules cases:-Low risk
No of arbitration cases:-Low risk
NCLT movement Flag
IBBI Flag