⚖️ Credit Scorecard Parameters
Risk-weighted assessment across 6 dimensions
CIBIL Score
Weight: 30%718Good
FOIR (Fixed Obligation to Income Ratio)
Weight: 20%38%Good
Business Vintage
Weight: 15%6 yearsExcellent
Banking Behaviour
Weight: 15%Good ABB · Low bouncesGood
Industry Risk
Weight: 10%Retail Trade — MediumMedium
Exposure Concentration
Weight: 10%2 existing loansAcceptable