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IDBI · Digital Lending

MSME Financial Health Card

ACCOUNT AGGREGATORconsent verified · 12-mo window
Meera Textiles & Trading
GSTIN ••••7F2Z1 · Udyam ••••4471
New-to-BankSeasonal Trader

Composite Health Score

Refer
Red
Eligible
₹1.4L
Rate band
16.2–18.2%
Tenor
24mo
Exp. loss
₹0.3L

Data coverage

Full-file · 100% signal
Bank (AA)GSTEPFOUPIUtility

Seven-Dimension Breakdown

Cash Flow Health
23
Repayment Capacity
42
Stability & Vintage
35
Compliance
38
Leverage
67
Growth Momentum
42
Operational Footprint
48
  • GST filing delaysCompliance · gst_filing_delay [24.375, 32.625)
    lowers score by −6
  • Outflows outpace inflowsCash Flow Health · net_inflow_ratio [1.107, 1.167)
    lowers score by −4
  • Gaps in GST filingCompliance · gst_filing_regularity [0.292, 0.458)
    lowers score by −4
  • Irregular EPFO contributionsStability & Vintage · epfo_regularity [0.208, 0.458)
    lowers score by −3
  • Short operating vintageStability & Vintage · months_active [27.5, 34.5)
    lowers score by −1

Path to a stronger score

Actionable steps ranked by projected score lift — the route from credit-invisible to creditworthy.

  • File GST returns on time
    Compliance · target 0 days late
    +26 pts
  • Route more receipts through the business account
    Cash Flow Health · target 1.5× outflow
    +20 pts
  • File every GST period — no gaps
    Compliance · target 100%
    +12 pts
What-if

File GST returns on time → a projected +26 points, unlocking a higher offer at a lower rate band.

Open simulator →
Integration-ready:Account Aggregator (FIU)Unified Lending InterfaceOCEN-compatible decisioning

Assessed by IDBI MSME Health model v1 · explainable scorecard · every point traceable