Credit Evaluation tab

The Credit Evaluation tab is where the AI Employee does its work. Every income document, bank statement, and obligation entered on the file rolls up here into a single credit picture — FOIR, DSCR, eligibility, and which lenders the file is likely to fit.

What's on the tab

The tab groups the analysis into logical sections:

1. Income summary

• Gross monthly income — pulled from salary slips (Salaried) or computed from bank statements + GST returns (Self-Employed).
• Net take-home — after statutory deductions.
• Other income — rental, dividends, interest, etc.
• Existing EMIs — sum of running loan EMIs from the Existing Obligations card on File Details + EMIs the BSA detected in the bank statement.

2. FOIR (Fixed Obligations to Income Ratio)

FOIR = (Existing EMIs + Proposed EMI) / Net Monthly Income × 100

Banks typically want FOIR under 50–60%. SigmaDSA computes FOIR for the requested EMI and shows whether the file is within each lender's tolerance.

3. DSCR (Debt Service Coverage Ratio) — Self-Employed / Business loans

DSCR = Net Operating Income / Total Debt Service

A DSCR above 1.5× is usually safe for term loans, above 1.25× for working capital. SigmaDSA pulls operating income from GST + ITR data and total debt service from BSA + obligations.

4. Bank Statement Analysis

Output of the AI Employee's automatic statement parsing:

• Average monthly inflow — across the past 6/12 months.
• Average monthly outflow — EMI + UPI + cards + cash withdrawals.
• Salary credits detected — date/amount/source bank.
• Existing EMIs detected — auto-matched to loan accounts.
• Bounce count — cheque/ECS/auto-debit failures (red flag for lenders).
• Average balance — useful for cash-flow loans.

5. CIBIL / Credit Bureau

If the tenant has CIBIL integration enabled:

• CIBIL Score — the applicant's bureau score.
• Active loans — running tradelines pulled from CIBIL.
• Defaults / late payments — flagged with severity.
• Inquiries — recent loan applications.

6. Lender matching

The system runs each panel lender's eligibility rules against this file's profile and shows:

• Lender name.
• Pass / Marginal / Fail verdict per rule (FOIR cap, minimum salary, employment tenure, etc.).
• Estimated approved amount if the lender accepts.
• One-click "Add to Bank Logins" to submit.

Common flows from this tab

• File doesn't fit a lender — the matching panel will show Fail — FOIR exceeds 55% cap. Reduce the requested amount or extend tenure to bring FOIR down.
• Bank Statement Analyzer output looks wrong → go to Documents → find the bank statement → Re-extract. Re-extracting also re-runs BSA.
• Want to use a different CIBIL score — admins can override the bureau score on the File Details tab if the bureau pull was stale.

Next steps

• Documents tab
• Bank Logins tab
• Upload documents