Policy Comparison
Compare two lending policy versions side by side — diff, business impact, segments and release notes.
Current Version
Compare With Version
Min Credit Score
Eligibility680660
Min Monthly Income
Eligibility₹35,000₹30,000
Base Interest Rate
Pricing13.25%12.75%
Processing Fee
Pricing1.75%1.5%
Women Borrower Rate Discount
PricingAdded parameter · value 0.25%
Fraud Score Cap
Risk6065
Max FOIR
Risk50%55%
Max LTV
Risk80%82%
Manual Review Bureau Threshold
Workflow720700
Projections are model-estimated from the delta between selected versions.
Biggest Beneficiary
Women Entrepreneurs
New rate discount unlocks price-sensitive borrowers.
+11% projected approvals
Also Impacted
MSME
Higher FOIR ceiling accepts more working-capital applicants.
+6% projected approvals
Also Impacted
Salaried
Minor uplift from adjacent policy relaxations.
+2% projected approvals
Objective
Reduce manual reviews while improving approval quality.
Why the policy changed
v4.8 introduced FOIR relaxation; this release tightens fraud thresholds to balance risk.
Expected business outcome
-12% manual reviews and +3.2% approval rate after release.
Objective
Expand approval funnel for near-prime borrowers without materially raising portfolio risk.
Why the policy changed
Analysis of the last 90 days shows a stable NPA trend on borrowers in the 660–720 bureau band. Loosening the floor is the fastest lever to grow volume in Tier-2 markets.
Expected business outcome
Grow Personal Loan approvals by ~8% and increase MSME onboarding, with an expected ≤0.4% uptick in 90-DPD portfolio risk.
Take action on this comparison
v4.9 (Live) is currently live. Proposed target: v5.0 (Draft).