AI Loan Sanction Predictor

Advanced risk appraisal engine using 2026-compliant neural scoring. Assess creditworthiness, CIBIL reliability, and DSCR sustainability with forensic accuracy.

Neural Scoring Risk Tiering 2026 Ready

Predictive Appraisal Logic

The 2026 Underwriting Framework prioritizes **Cash Flow Coverage** over static collateral. This predictor audits the **DSCR Threshold (Min 1.25)** and **Leverage Ratio (Max 2.0)** against sectoral volatility. A CIBIL score below 750 or variance in audited data triggers immediate "Risk-Tier C" classification.

Credit ManagersBank UnderwritersRisk Analysts

Sanction Pass Probability

Outcome: Low

Primary Appraisal GradeC

Final Classification

CIBIL Reliability Score780

PRIME STATUS

Underwriting Parameters

CIBIL Score (Prime 750+)

Current Ratio (Min 1.33)

DSCR (Target 1.25+)

Leverage (Debt/TNW)

Op. Margin (%)

Industry Sector Risk Exposure (80%)

Score visualization

0%APPROVAL ODDS

GEMINI ANALYTICS

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Get instant narrative insights analyzing sales trajectories, operating margins, liquidity benchmarks (1.33 Current Ratio), and audit red flags using Google Gemini 1.5 Flash.

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