SAMPLE REPORT — illustrative output for evaluation purposes. Applicant identity, contact details, address, ID numbers and photos have been fictionalized/replaced; underlying analysis structure and figures are representative of real AI Agent output.
AI AGENT · SAMPLE CREDIT EVALUATION REPORT
Suresh Patil
Om Sai Mobile (Electronics) · Sample Town, Maharashtra
Applicant
Suresh Patil
Business
Om Sai Mobile (Electronics)
Bureau Score
716 Caution
Total Outstanding Debt
₹267,581
Location
Sample Town, Maharashtra
Decision
APPROVE
1Applicant & Business Photos
Shop Front
Inside Shop
Selfie with Shop
| Photo Type | Captured | Geo-tag | Notes |
|---|---|---|---|
| Selfie of applicant (with shop) | Yes | 19.50, 75.00 | Captured |
| Shop exterior / front | Yes | 19.50, 75.00 | Captured |
| Shop interior | Yes | 19.50, 75.00 | Captured |
| Business proof document | Yes | — | Shop & Establishment licence on file |
2Applicant & Business Profile
Applicant Identity
| Full Name | Suresh Patil |
| Date of Birth | 16-05-1997 |
| Gender | M |
| PAN | XXXX****7Z |
| Aadhaar | xxxxxxxx0000 (masked) |
| Address | India,, Sample District, Sample Road, 400001, Sample Village, Maharashtra, Sample Taluka, Sample Town |
| KYC Verification | Verified via Digilocker, face match 98% |
Contactability
| Primary Mobile | 9876500003 |
| Not provided |
Business Profile
| Business Name | Om Sai Mobile |
| Type | Electronics |
| Self-Declared Annual Turnover | < ₹10L |
| Business Proof | Shop & Establishment licence |
Business proof exists (Shop & Establishment licence) and geo-tag is consistent (~1.2km offset). Two issues found on close read: (1) a ₹2,87,110 single-transaction credit from "Poonawalla Fincorp" is a loan disbursement, not business income — correctly excluded from the adjusted income figure below after review; (2) "Sureshkumar Patlia" (₹1.82L CR / ₹85,500 DR) is the applicant's own name in a garbled/typo'd narration form ("Sureshkumar" collapsed) — this is very likely a self-transfer between his own accounts/wallets, not genuine trade, and is not excluded below since it cannot be confirmed with full certainty from narration alone. If confirmed self-transfer, true adjusted income would be lower than shown. Declared turnover (<₹10L/yr) is roughly in the right range against ~₹14.7L/yr annualized adjusted income — a modest, plausible overshoot rather than an alarming mismatch.
Location & Geo-Verification
| City / State | Sample Town, Maharashtra 400001 |
| Geo-tag Offset | ~1.2 km — Consistent |
Family & Related Business
| Relation | Name | Source / Confidence |
|---|---|---|
| No family relations confirmed from KYC extract this pass | ||
| Related Business / Counterparty | Role | Evidence |
|---|---|---|
| Poonawalla Fincorp | Lender — loan disbursement | ₹2,87,110 / 1 txn — correctly excluded from income |
| "Sureshkumar Patlia" (garbled own name) | Likely self-transfer | ₹1.82L CR / ₹85,500 DR — Possible self-transfer, not excluded — see business callout |
| Prakash Joshi | Recurring counterparty | ₹1.71L / 68 txns |
| Anjali Sharma (2 narration variants) | Bilateral, possible family | ₹1.74L CR / ₹1.16L DR |
| Vantage Motors LLP | Vehicle purchase/EMI | ₹2.50L / 4 txns — large debit |
3Banking Profile & Cash Flow
Account Ownership Verification
| Bank | Account No. | Holder Name on Account | Holder PAN | Match? | Used in Evaluation? |
|---|---|---|---|---|---|
| HDFC Bank | XXXXXXXXXX4321 | SURESH PATIL | XXXX****7Z | Full PAN match | Yes |
1 account(s) linked; 1 matched by PAN/name.
Account Overview (verified accounts only)
| Bank | Account No. | Type | Opened | Status | AA Data Window | Latest Balance |
|---|---|---|---|---|---|---|
| HDFC Bank | XXXXXXXXXX4321 | SAVINGS | 2020-06-16 | Active | 2025-02-23 → 2025-09-22 | ₹5,246 |
Window: 2025-02-24 → 2026-06-17 (17 months).
Credit Transaction Cleaning
| Category | Amount (₹) | Txns | % of Credits | Treatment |
|---|---|---|---|---|
| Business / Customer payment | 2,011,231 | 928 | 64.3% | Kept |
| Loan disbursement | 543,340 | 19 | 17.4% | Excluded |
| Cash deposit | 398,000 | 18 | 12.7% | Kept (review) |
| Self-transfer (own account) | 165,251 | 32 | 5.3% | Excluded |
| Reversal / Refund | 12,023 | 8 | 0.4% | Excluded |
| BC / Money-transfer pass-through | 1 | 1 | 0.0% | Excluded |
| Total Raw Credits | 3,129,845 | 1006 | 100% | — |
Adjusted business income = ₹2,011,231 over 17 months ≈ ₹118,308/month.
Debit Breakdown
| Category | Amount (₹) | Txns | % of Debits |
|---|---|---|---|
| Peer / Friends transfer | 2,660,865 | 1173 | 85.2% |
| Loan repayment / EMI | 254,268 | 346 | 8.1% |
| Business payment | 108,360 | 95 | 3.5% |
| Credit card payment | 49,846 | 9 | 1.6% |
| Self-transfer (own account) | 49,500 | 7 | 1.6% |
| Total Raw Debits | 3,122,839 | 1630 | 100% |
Monthly Cash Flow (17 months)
| Month | Raw Credit | Raw Debit | Adjusted Biz Income | Visible EMI Debit |
|---|---|---|---|---|
| 2025-02 | 0 | 6,195 | 0 | 0 |
| 2025-03 | 128,158 | 114,795 | 109,953 | 12,503 |
| 2025-04 | 36,043 | 51,221 | 36,043 | 12,075 |
| 2025-05 | 402,230 | 395,285 | 86,160 | 8,573 |
| 2025-06 | 162,233 | 158,129 | 138,823 | 6,974 |
| 2025-07 | 208,046 | 215,197 | 137,944 | 16,133 |
| 2025-08 | 283,470 | 283,259 | 141,779 | 29,863 |
| 2025-09 | 165,033 | 161,479 | 119,695 | 11,713 |
| 2025-10 | 261,646 | 267,862 | 170,311 | 19,883 |
| 2025-11 | 239,524 | 236,435 | 196,875 | 10,100 |
| 2025-12 | 191,856 | 195,970 | 179,592 | 9,782 |
| 2026-01 | 186,975 | 187,003 | 131,221 | 45,047 |
| 2026-02 | 232,536 | 225,748 | 141,716 | 18,137 |
| 2026-03 | 138,544 | 140,432 | 133,244 | 18,931 |
| 2026-04 | 133,282 | 139,921 | 86,582 | 25,360 |
| 2026-05 | 194,560 | 193,008 | 132,060 | 7,528 |
| 2026-06 | 165,709 | 150,901 | 69,232 | 1,666 |
Account Stability
Avg End-of-Day Balance
₹9,829
Min Balance (any day)
₹33
Days EOD < ₹500
6.9%
EOD balance < ₹500 on 6.9% of days (min ₹33).
Fraud Indicators
| Check | Result | Notes |
|---|---|---|
| Round-trip reconciliation | Not run this pass | — |
4Bureau Profile Analysis
Bureau Score
716 Caution
Total Accounts
40 (6 active / 34 closed)
Outstanding Balance
₹267,581
Write-offs / Settled
0 / 0
Inquiries (12m / 6m)
3 / 0
Credit Vintage
Since Nov-2021
716 (Caution), 0 lifetime 30+ DPD across 40 accounts.
DPD History — Lifetime (all tradelines, active + closed)
DPD > 0 instances (lifetime)
1
30+ DPD instances
0
90+ DPD instances
0
1 lifetime DPD>0; 0 reached 30+.
Active Tradelines (6 accounts, current balance ≥ 0)
| Account Type | Opened | Current Balance | Sanctioned | Est. Tenure (mo) | Est. Monthly EMI | DPD Instances | 30+ DPD |
|---|---|---|---|---|---|---|---|
| Business Loan - Priority Sector - Small Business | 24-04-2026 | ₹32,365 | ₹36,000 | 13 | ₹2,490 | 0 | 0 |
| Loan, Personal Cash | 09-10-2025 | ₹10,862 | ₹30,000 | 4 | ₹2,716 | 0 | 0 |
| Loan, Personal Cash | 16-05-2025 | ₹221,345 | ₹300,000 | 20 | ₹11,067 | 0 | 0 |
| Credit Card | 30-03-2024 | ₹2,100 | ₹15,000 | 8 | ₹262 | 0 | 0 |
| Credit Card | 28-04-2023 | ₹0 | ₹14,558 | — | ₹0 | 0 | 0 |
| Short Term Personal Loan [Unsecured] | 21-11-2022 | ₹1 | ₹30,000 | 2 | ₹0 | 0 | 0 |
| Total Estimated Monthly EMI Obligation (bureau, active accounts) | ₹16,535 | — | — | ||||
6 active accounts, ₹267,581 outstanding, est. EMI ₹16,535/month.
5Cross-Verification — Bureau vs Banking
| Signal | Bureau | Banking (observed) | Match? |
|---|---|---|---|
| Estimated monthly EMI obligation | ₹16,535 | ₹14,957 | Bureau-modelled used for FOIR |
Bureau-modelled EMI used for FOIR calculation.
6Income Triangulation
| Source | Monthly Income Estimate | Confidence |
|---|---|---|
| Banking cash flow (adjusted) | ₹118,308 | Medium |
| Triangulated Income | ₹118,308 | Banking-based |
7Decision Summary
| Loan amount requested | ₹20,000 |
| True FOIR at requested amount | ≈ 17.5% |
| Risk Category | Low |
| Decision | APPROVE |
Why approve: This is one of the stronger files in the batch — an actual Shop & Establishment licence on record, geo-tag consistent with the declared address, healthy FOIR (~17%), and acceptable balance distribution. The Poonawalla Fincorp disbursement and the likely self-transfer noted in §2 are both minor relative to the overall picture and don't change the recommendation.
APPENDIX — additional sections, not part of the frozen 1–7 core
AFlags & Alerts
| Flag | Triggered | Notes |
|---|---|---|
| Bureau score band | Caution | 716 |
| No business verification (bKYC) on file | Yes | — |
| Chronic near-zero balance (Rule 1) | No | 6.9% of days EOD < ₹500 |
| True FOIR > 65% (Rule 4) | No | ≈17.5% |
| Business proof on file | Yes — Shop & Establishment licence | — |
| Geo-tag mismatch | No | ~1.2km offset, consistent |