Meets the cutoff
Bureau score 745 against a sample cutoff of 700. A three-times-income rule would suggest ₹1,14,000 before other eligibility checks.
This comparison uses one simplified rule, not every capability of a production scorecard.
Sentinel / Decision walkthrough
One profile.
Two ways to ask the question.
A score cutoff answers whether a profile meets a rule. A risk curve asks how the estimated default probability changes with the amount and product. Compare those questions on the same synthetic profile.
5.53% illustrative PD
Intent-strong · Bullet loan · ₹60,000. Compare the entire curve with a 8% PD ceiling and explore how the product changes the estimate.
A PD ceiling is one policy input; it is not a complete lending decision.
◇ Curve intersections mark where the selected PD ceiling is reached.Full probability range. Curves remain visible across the full exposure range.
Intent-strong · Product-conditioned Si and Sa positions feed these same curves. The 3D maps use the selected exposure; this chart shows the whole exposure range.
Strong repayment behaviour sits alongside a smaller cash-flow buffer. Intent and ability do not tell the same story. All profiles, curves and outcomes here are synthetic. Product comparisons assume the same default definition and horizon, with credit lines fully drawn. This illustrates the questions an engine can answer; it does not establish performance superiority.