Borrow today
Interest rate (p.a.)
36%
Rate tier: Declined: high-cost lender at 36% a year
- Monthly payment (EMI)
- ₹9,161
- Total interest
- ₹1,29,787
Explainable credit, in plain words
Why was this loan declined, and what fixes it?
Enter the numbers from your credit report. Pathway names the reasons, finds the smallest realistic set of changes that turns a decline into an approval, and shows the month you could apply again.
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Pathway score
Declined507
- Loan Type
- Unsecured Loan
- Loan Amount
- ₹5,00,000
- Hard Inquiries (6M)
- 0Low recent inquiry activity
- Approval needs
- 650
- Chance of default in 2 years
- 44.5%
- When
- Approved in 18 months
Assessment Note: For this assessment, loan type, loan amount, collateral, and inquiry activity are considered separately from the credit-risk model.
Skip the typing: fill from your bank
Account Aggregator is the RBI-regulated way to share bank data. You approve in your bank's own flow, and Pathway reads your data once.
Applicant profile
Use the figures on your credit report. Everything below updates as you type.
Credit history
Loan Information
Required for Application AssessmentSpecify loan facility structure and parameters. (ML credit risk score is evaluated independently).
Number of recent hard credit inquiries. Soft inquiries are not included.
Your answer
You are at 507. 143 points from approval. About 18 months.
Score and timing come from the credit model and a simulation of your plan.
Plain-language summary
Asha, this application was declined with a Pathway score of 507 (approval needs 650). The biggest factor: You are using 97% of your credit card limits. High balances signal stretched finances. If you follow the plan below, you are projected to be approved in about 18 months.
Uses Claude only if the server has an API key; otherwise you keep the template.
Why
The reasons behind this decision
Ranked by how many score points each factor costs, compared with the average applicant.
Credit card utilisation
You are using 97% of your credit card limits. High balances signal stretched finances.
−84 ptsLate 30–59 days (DPD)
2 payment(s) were 30–59 days past due (DPD) in the last 2 years.
−71 ptsLate 60–89 days (DPD)
1 payment(s) were 60–89 days past due (DPD) in the last 2 years.
−53 ptsFOIR (EMIs as % of income)
EMIs and other fixed payments take 62% of your income (FOIR).
−11 pts
Inside the score
What lifts your score and what pulls it down
Every input the model reads, in score points, compared with an average applicant.
Lifts your score
- Late 90+ days (DPD)+5 points
Pulls it down
- Credit card utilisation−84 points
- Late 30–59 days (DPD)−71 points
- Late 60–89 days (DPD)−53 points
- FOIR (EMIs as % of income)−11 points
- Monthly income−2 points
- Income not provided−2 points
- Active loans and cards−2 points
- Income given as 0 or 1−1 points
Points are exact contributions from the model, not estimates.
What
The lowest-effort plan that flips the decision
Only changes a person can realistically make. Age, dependents and real-estate loans are not used by the model.
- TodayDeclined507 pts
- Step 1Time
Pay every bill on time for 18 months so past late payments age out
18 mo · effort 2.7
- Step 2Actionable
Bring credit card balances down from 97% to 92% of your limits
1 mo · effort 0.5
- Re-applyApproved*Score after the plan: 651
Not used by the modelAge · Dependents · Real-estate loans
Total effort: 3.2 · *projected
What if
Try a change and watch the score move
Move the sliders. The same model scores the new numbers instantly. Nothing is saved.
Your numbers
97%
Today: 97%
62%
Today: 62%
+0%
Today: ₹56,000
4
Today: 4
0
Late payments older than 24 months drop off.
New result
Decision: DeclinedNew score
507Change: 0 points
- Points to approval
- 143 points
- Yearly rate
- No prime offer
- Monthly EMI
- No prime offer
- Interest saved
- No saving yet
On ₹2,00,000 over 36 months. Rates are illustrative.
Worth
What the plan is worth in money
The same personal loan, taken today versus after the plan. Interest rates are illustrative, not offers.
Follow the plan and save ₹69,490 in interest
Your monthly payment (EMI) drops by ₹1,930 a month.
Term
Borrow after the plan
Interest rate (p.a.)
18%
Rate tier: Fair tier
- Monthly payment (EMI)
- ₹7,230
- Total interest
- ₹60,297
40 more points reaches the Good tier (15% a year) and saves another ₹10,707.
Illustrative rate ladder
A higher Pathway score unlocks a lower rate.
Excellent
Score 760+
10.5%Interest rate (p.a.)
Very good
Score 720+
12.5%Interest rate (p.a.)
Good
Score 690+
15%Interest rate (p.a.)
Fair
Score 650+
After the plan18%Interest rate (p.a.)
Declined
Below 650
You today36%Interest rate (p.a.)
When
Month-by-month projection
Score versus the approval line if you follow the plan, and if you change nothing.
Likely approved in 18 months
Exactly on plan: Approved in 18 months
Best and worst case alike: 18 months
96% of 400 simulated futures reach approval within 36 months
- With plan
- No changes
- Likely range (10th–90th percentile)
- Approval needs 650
- Projected approval
Government Credit Opportunity & Scheme Matching
Alternative Government-Supported Pathways
Your conventional credit score is only one pathway. We matched public credit-linked subsidies, collateral guarantees, and priority lending schemes against published official criteria.
4
Relevant Schemes
Refine Eligibility Signals
Loan Amount: ₹5,00,000 (unsecured)Filter Schemes:
Important Disclosure: Scheme matches are based on the information provided and published criteria in Pathway's verified dataset. They are not a guarantee of loan approval, sanction, or subsidy. Final eligibility and approval are determined by the concerned government authority, implementing agency, or lender.
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Business model
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Borrowers
Free
- Reasons, plan and timeline
- Goal planner and offer check
- English, Hindi and Marathi
Banks and NBFCs
Licence
- Plain-language reasons for every declined application, which RBI's Fair Practices Code asks lenders to give in writing
- A printable rejection letter that includes a plan to approval
- A fairness audit across age and income groups
Fintechs and lending apps
API
- The borrower's plan shown inside your own app
- Reason codes in three languages
- API in development: pilots come first
We have not set prices yet. We are looking for a first lender or fintech to pilot with.