FilesCredit Evaluation
CIBIL Score section
The CIBIL Score section of the Credit Evaluation editor — bureau pull, score, vintage, active accounts, defaults, enquiries, and classifier output.
The CIBIL Score section captures the applicant's credit bureau footprint — the single most important input most lenders look at.
What's on the section
- Pull Bureau button — triggers an API call to CIBIL (or your tenant's configured bureau) using the applicant's PAN + DOB. Requires the CIBIL integration to be enabled in Admin → Integrations.
- CIBIL Score — the numeric score (300–900 for Personal). Manually editable if you've pulled the report outside SigmaDSA.
- Report Vintage — when the report was pulled. Lenders typically want a report ≤ 30 days old.
- Classifier — Excellent / Good / Fair / Poor / No Hit bucket. Used by lender-matching rules.
- Active Accounts — count of currently-open tradelines.
- Closed Accounts — count of historical closures.
- Overdue Amount — total ₹ across overdue tradelines (red flag if > 0).
- Total DPD — sum of days-past-due across all tradelines in the last 24 months.
- Recent Enquiries — count of credit pulls in the last 6 months (high count signals desperation).
- Defaults / Written-Off — count of accounts in default or W/O status.
- Bureau PDF — upload the full bureau report; lenders may want to see it.
What lenders look at
| Score range | What it tells lenders |
|---|---|
| 800+ | Pristine — top-tier banks compete; lowest rates. |
| 750–799 | Excellent — most products are approved as quoted. |
| 700–749 | Good — approvals likely but ROI may be ~25–50 bps higher. |
| 650–699 | Fair — some lenders pass; expect higher ROI or smaller ticket. |
| 600–649 | Borderline — only NBFCs and small-finance banks; sub-prime pricing. |
| Below 600 | Poor — most files get rejected; sub-prime / co-applicant strategy required. |
| No Hit / Thin File | No credit history — first-time borrower. Income proof + co-applicant matter most. |
Common flows from this section
- Fresh file with no bureau pull → click Pull Bureau → score populates → if score < 650, consider adding a co-applicant before submitting.
- Recent defaults → the section flags any account currently in default; review the Existing Loans section to confirm whether the file should proceed.
- Many recent enquiries — file has been "shopped around" — call it out to the lender's RM so they don't see it as a surprise.
- Bureau API returns "No Hit" for a self-employed applicant → check if there's a CIBIL Commercial record under the business entity; pull both.
Next steps
Overview section
The Overview section of the Credit Evaluation editor — Business Identity, Loan Details, Business Details, and Internal flags. The applicant + file basics every underwriting decision starts from.
Bank Statement section
The Bank Statement section of the Credit Evaluation editor — AI Bank Statement Analyzer output covering inflows, outflows, salary detection, existing EMIs, bounces, average balance.