Over-Indebtedness
Every household’s loans counted across all lenders before one more is added.
Why it matters
Borrowers hold loans from several MFIs, banks and apps; officers skim bureau reports and miss the household repayment total and the industry’s three-lender limit.
How the solution handles it
Agents read every bureau report for the household, link members into one family view, count lenders and outstanding amounts against the guardrails, and find overdues and write-offs. A credit manager approves or stops each loan, with the reason written in plain words.
How a household is checked
Five agents read every bureau report, link the household, count lenders and repayments and find overdues; a credit manager approves or stops each loan.
What it reads, and what it hands back.
What goes in
- Bureau reports for each household member
- Application and household roster
- Existing loan repayment schedules
- Board-approved lending policy
What comes out
- Household debt map
- Lender count and overdue flags
- Repayment-to-income result
- Stop or proceed note with reasons
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: RBI Microfinance Directions, 2022, ¶5.1 (all household loans counted) · MFIN guardrails 2024–25 (≤ 3 lenders) · “Target” = design goal, measured in the live solution · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every group’s file checked member by member, so loans disburse the day after GRT, not a week later.
Household IncomeEvery household’s income assessed and its repayments tested against the 50% cap before a loan is made.
Field Officer AssistantEvery field question answered in seconds, in the officer’s language, citing the policy page.
Build this
for your team.
We’ll show Over-Indebtedness running on your own documents.