Supported Credit Policy Parameters

We support a large number of variables from the credit reports. Details below.

S. No	Parameter Name	Comment
1.	credit_score	The credit score of the customer.
2.	monthly_emi	Current estimated monthly EMI of the customer from the credit report. The estimation is done via AI, trained on lakhs of credit reports.
3.	num_cc_current_dpd_gte_30	The number of credit card accounts with current DPD >= 30. Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report. Only Active credit card accounts which have a DPD reported in the last 3 months are considered. Note that 30 can be replaced by any number you want.
4.	num_other_current_dpd_gte_30	The number of non-credit card accounts with current DPD >= 30. Note that current DPD for an account is the last DPD seen in the credit report of account. Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered. Note that 30 can be replaced by any number you want.
5.	num_cc_last_dpd_gte_30	The number of credit card accounts with last DPD >= 30. Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report. Only Active credit card accounts which have a DPD reported in the last 3 months are considered. Note that 30 can be replaced by any number you want.
6.	num_other_last_dpd_gte_30	The number of non-credit card accounts with last DPD >= 30. Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report. Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered. Note that 30 can be replaced by any number you want.
7.	max_dpd_more_than_60_months_old_cc	Maximum DPD in all credit card accounts reported more than 5 years ago. Note that 60 can be replaced by any number you want.
8.	max_dpd_more_than_60_months_old_other	Maximum DPD in all non-credit card accounts reported more than 5 years ago. Note that 60 can be replaced by any number you want.
9.	max_dpd_last_60_months_other	Maximum DPD in all non-credit card accounts reported in the last 5 years. Note that 60 can be replaced by any number you want.
10.	max_dpd_last_60_months_cc	Maximum DPD in all credit card accounts reported in the last 5 years. Note that 60 can be replaced by any number you want.
11.	max_dpd_last_12_months_cc_other	Maximum DPD in all accounts reported in last 1 year. Note that 12 can be replaced by any number you want.
12.	num_consecutive_dpd_last_36_months_gt_50	The number of consecutive DPDs > 50 seen in last 3 years. Note that 36 and 50 can be replaced by any number you want.
13.	current_dpd_other	Current DPD across all non-credit card accounts. Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report. Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
14.	current_dpd_cc	Current DPD across all credit card accounts. Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report. Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
15.	current_dpd_cc_other	Current DPD across all accounts. Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report. Only Active accounts which have a DPD reported in the last 3 months are considered.
16.	last_dpd_other	Last DPD across all non-credit card account. Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report. Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered.
17.	last_dpd_cc	Last DPD across all credit card account. Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report. Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
18.	last_dpd_cc_other	Last DPD across all accounts. Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report. Only Active accounts which have a DPD reported in the last 3 months are considered.
19.	num_written_off_accounts	The number of accounts which are written off.
20.	total_overdue_cc	The total current overdue amount for credit cards.
21.	total_overdue_other	The total current overdue amount for non-credit cards.
22.	total_overdue_cc_other	Total overdue across all accounts.
23.	dual_pan	If dual PAN is seen on the credit report or not.
24.	credit_age	Credit age of the customer, i.e., the number of months since the first account was opened until the time report is pulled.
25.	num_credit_data_points	The number of the credit data point, i.e., the number of DPD points which are available in the report.
26.	percentage_dpds_lt_50	percentage of DPD reportings less than 50. Note that 50 can be replaced with any number you want.
27.	residing_in_this_pincode_since	Number of months since the customer has an address with the current pin code.
28.	is_ntc	Whether the customer is NTC or not per the credit report.
29.	total_number_of_accounts	Total number of accounts in the credit report.
30.	number_of_active_accounts	Number of active accounts in the credit report.
31.	number_of_closed_accounts	Number of closed accounts in the credit report.
32.	number_of_sf/wd/wo/settled_accounts	Number of sf/wd/wo/settled accounts in the credit report.
33.	total_current_balance_amount	Total current balance of all accounts in the credit report.
34.	sf/wd/wo/settled_amount	Total current balance of sf/wd/wo/settled accounts in the credit report.
35.	secured_accounts_amount	Total current balance of secured accounts in the credit report.
36.	unsecured_accounts_amount	Total current balance of unsecured accounts in the credit report.
37.	credit_enquiry_last_7_days	Number of credit enquiries in the last 7 days.
38.	credit_enquiry_last_30_days	Number of credit enquiries in the last 30 days.
39.	credit_enquiry_last_90_days	Number of credit enquiries in the last 90 days.
40.	credit_enquiry_last_180_days	Number of credit enquiries in the last 180 days.
41.	non_credit_enquiry_last_7_days	Number of non-credit enquiries in the last 7 days.
42.	non_credit_enquiry_last_30_days	Number of non-credit enquiries in the last 30 days.
43.	non_credit_enquiry_last_90_days	Number of non-credit enquiries in the last 90 days.
44.	non_credit_enquiry_last_180_days	Number of non-credit enquiries in the last 180 days.