[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.19
DSCR: 2.66
Current Ratio: 2.98
ICR (EBIT): 4.19
ICR (EBITDA): 2.13
TOL/TNW: 0.96
Bureau Score: 856
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,922,554
Credit Utilisation: 49.3%
GST Compliance Rate: 97.9%
Business Vintage: 9.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.11
DSCR: 2.97
Current Ratio: 4.93
ICR (EBIT): 1.11
ICR (EBITDA): 3.85
TOL/TNW: 3.28
Bureau Score: 840
Number of Loans: 4
DPD 12 Months: 56
Average Monthly Balance: ₹1,366,293
Credit Utilisation: 77.8%
GST Compliance Rate: 85.0%
Business Vintage: 2.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.66
DSCR: 2.37
Current Ratio: 1.59
ICR (EBIT): 3.40
ICR (EBITDA): 5.49
TOL/TNW: 1.54
Bureau Score: 818
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,225,219
Credit Utilisation: 63.5%
GST Compliance Rate: 91.9%
Business Vintage: 11.4 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.57
DSCR: 2.90
Current Ratio: 2.15
ICR (EBIT): 3.22
ICR (EBITDA): 2.34
TOL/TNW: 2.96
Bureau Score: 610
Number of Loans: 7
DPD 12 Months: 57
Average Monthly Balance: ₹4,672,126
Credit Utilisation: 22.8%
GST Compliance Rate: 70.5%
Business Vintage: 12.5 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.89
DSCR: 0.59
Current Ratio: 6.37
ICR (EBIT): 2.55
ICR (EBITDA): 2.57
TOL/TNW: 1.22
Bureau Score: 489
Number of Loans: 9
DPD 12 Months: 36
Average Monthly Balance: ₹149,759
Credit Utilisation: 96.0%
GST Compliance Rate: 67.9%
Business Vintage: 24.1 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.13
DSCR: 1.72
Current Ratio: 0.52
ICR (EBIT): 5.70
ICR (EBITDA): 5.72
TOL/TNW: 2.01
Bureau Score: 605
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹2,547,583
Credit Utilisation: 42.6%
GST Compliance Rate: 58.8%
Business Vintage: 21.2 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.58
DSCR: 2.65
Current Ratio: 2.65
ICR (EBIT): 5.94
ICR (EBITDA): 6.39
TOL/TNW: 1.84
Bureau Score: 729
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹4,114,031
Credit Utilisation: 43.8%
GST Compliance Rate: 82.1%
Business Vintage: 17.6 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.66
DSCR: 0.62
Current Ratio: 0.84
ICR (EBIT): 3.24
ICR (EBITDA): 3.95
TOL/TNW: 5.08
Bureau Score: 855
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,898,439
Credit Utilisation: 52.5%
GST Compliance Rate: 71.3%
Business Vintage: 22.8 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.22
DSCR: 2.57
Current Ratio: 7.82
ICR (EBIT): 4.73
ICR (EBITDA): 5.28
TOL/TNW: 1.73
Bureau Score: 774
Number of Loans: 3
DPD 12 Months: 65
Average Monthly Balance: ₹2,909,258
Credit Utilisation: 39.1%
GST Compliance Rate: 90.7%
Business Vintage: 5.1 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.20
DSCR: 0.66
Current Ratio: 1.38
ICR (EBIT): 2.71
ICR (EBITDA): 3.46
TOL/TNW: 3.16
Bureau Score: 518
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹3,141,305
Credit Utilisation: 23.5%
GST Compliance Rate: 52.5%
Business Vintage: 5.0 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.20
DSCR: 1.57
Current Ratio: 4.84
ICR (EBIT): 3.59
ICR (EBITDA): 1.22
TOL/TNW: 4.41
Bureau Score: 522
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,281,251
Credit Utilisation: 10.8%
GST Compliance Rate: 82.7%
Business Vintage: 23.0 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.24
DSCR: 2.94
Current Ratio: 5.27
ICR (EBIT): 4.04
ICR (EBITDA): 4.29
TOL/TNW: 1.49
Bureau Score: 881
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹2,977,055
Credit Utilisation: 23.3%
GST Compliance Rate: 84.5%
Business Vintage: 6.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.56
DSCR: 1.52
Current Ratio: 4.50
ICR (EBIT): 5.21
ICR (EBITDA): 4.41
TOL/TNW: 1.11
Bureau Score: 705
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹518,299
Credit Utilisation: 39.2%
GST Compliance Rate: 96.7%
Business Vintage: 7.9 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 3.91
DSCR: 1.72
Current Ratio: 1.42
ICR (EBIT): 1.15
ICR (EBITDA): 5.24
TOL/TNW: 0.62
Bureau Score: 606
Number of Loans: 1
DPD 12 Months: 39
Average Monthly Balance: ₹339,022
Credit Utilisation: 44.0%
GST Compliance Rate: 84.1%
Business Vintage: 13.5 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.39
DSCR: 2.05
Current Ratio: 1.83
ICR (EBIT): 4.44
ICR (EBITDA): 6.27
TOL/TNW: 2.79
Bureau Score: 564
Number of Loans: 3
DPD 12 Months: 53
Average Monthly Balance: ₹3,972,919
Credit Utilisation: 36.4%
GST Compliance Rate: 75.8%
Business Vintage: 4.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.22
DSCR: 1.99
Current Ratio: 0.57
ICR (EBIT): 2.27
ICR (EBITDA): 4.00
TOL/TNW: 4.85
Bureau Score: 475
Number of Loans: 2
DPD 12 Months: 71
Average Monthly Balance: ₹3,347,968
Credit Utilisation: 94.1%
GST Compliance Rate: 66.6%
Business Vintage: 7.2 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.06
DSCR: 2.44
Current Ratio: 7.04
ICR (EBIT): 1.85
ICR (EBITDA): 1.40
TOL/TNW: 1.62
Bureau Score: 529
Number of Loans: 6
DPD 12 Months: 63
Average Monthly Balance: ₹2,340,508
Credit Utilisation: 69.1%
GST Compliance Rate: 69.8%
Business Vintage: 8.3 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.46
DSCR: 2.38
Current Ratio: 5.69
ICR (EBIT): 4.85
ICR (EBITDA): 5.04
TOL/TNW: 0.55
Bureau Score: 794
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹2,551,642
Credit Utilisation: 37.3%
GST Compliance Rate: 88.0%
Business Vintage: 8.1 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.77
DSCR: 1.70
Current Ratio: 3.19
ICR (EBIT): 4.03
ICR (EBITDA): 6.67
TOL/TNW: 3.13
Bureau Score: 790
Number of Loans: 9
DPD 12 Months: 45
Average Monthly Balance: ₹4,869,575
Credit Utilisation: 54.3%
GST Compliance Rate: 96.9%
Business Vintage: 8.5 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.88
DSCR: 2.25
Current Ratio: 4.81
ICR (EBIT): 4.21
ICR (EBITDA): 5.02
TOL/TNW: 3.42
Bureau Score: 844
Number of Loans: 5
DPD 12 Months: 75
Average Monthly Balance: ₹2,538,902
Credit Utilisation: 44.7%
GST Compliance Rate: 66.5%
Business Vintage: 20.4 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.45
DSCR: 2.50
Current Ratio: 7.68
ICR (EBIT): 0.81
ICR (EBITDA): 6.08
TOL/TNW: 5.61
Bureau Score: 897
Number of Loans: 1
DPD 12 Months: 16
Average Monthly Balance: ₹990,956
Credit Utilisation: 75.1%
GST Compliance Rate: 91.5%
Business Vintage: 5.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.67
DSCR: 2.95
Current Ratio: 5.18
ICR (EBIT): 2.38
ICR (EBITDA): 4.99
TOL/TNW: 1.37
Bureau Score: 817
Number of Loans: 1
DPD 12 Months: 74
Average Monthly Balance: ₹295,661
Credit Utilisation: 28.0%
GST Compliance Rate: 81.4%
Business Vintage: 3.6 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.78
DSCR: 2.89
Current Ratio: 0.64
ICR (EBIT): 2.32
ICR (EBITDA): 4.22
TOL/TNW: 3.68
Bureau Score: 484
Number of Loans: 1
DPD 12 Months: 16
Average Monthly Balance: ₹2,982,791
Credit Utilisation: 19.6%
GST Compliance Rate: 87.3%
Business Vintage: 2.3 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.15
DSCR: 2.06
Current Ratio: 3.92
ICR (EBIT): 5.63
ICR (EBITDA): 4.19
TOL/TNW: 1.99
Bureau Score: 784
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹84,847
Credit Utilisation: 66.7%
GST Compliance Rate: 83.3%
Business Vintage: 19.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.87
DSCR: 1.51
Current Ratio: 1.22
ICR (EBIT): 4.61
ICR (EBITDA): 4.47
TOL/TNW: 2.40
Bureau Score: 827
Number of Loans: 7
DPD 12 Months: 100
Average Monthly Balance: ₹1,118,939
Credit Utilisation: 97.6%
GST Compliance Rate: 85.2%
Business Vintage: 24.1 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.52
DSCR: 2.17
Current Ratio: 6.96
ICR (EBIT): 3.29
ICR (EBITDA): 0.76
TOL/TNW: 0.56
Bureau Score: 713
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹2,651,721
Credit Utilisation: 49.1%
GST Compliance Rate: 86.7%
Business Vintage: 17.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.86
DSCR: 1.72
Current Ratio: 7.21
ICR (EBIT): 5.69
ICR (EBITDA): 5.57
TOL/TNW: 4.32
Bureau Score: 557
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,308,122
Credit Utilisation: 78.4%
GST Compliance Rate: 51.0%
Business Vintage: 11.9 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.25
DSCR: 2.85
Current Ratio: 0.97
ICR (EBIT): 5.94
ICR (EBITDA): 4.69
TOL/TNW: 3.91
Bureau Score: 703
Number of Loans: 10
DPD 12 Months: 49
Average Monthly Balance: ₹3,940,095
Credit Utilisation: 25.6%
GST Compliance Rate: 72.0%
Business Vintage: 2.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.84
DSCR: 1.01
Current Ratio: 1.19
ICR (EBIT): 1.47
ICR (EBITDA): 4.33
TOL/TNW: 0.42
Bureau Score: 531
Number of Loans: 1
DPD 12 Months: 108
Average Monthly Balance: ₹1,877,672
Credit Utilisation: 52.6%
GST Compliance Rate: 63.7%
Business Vintage: 24.1 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.22
DSCR: 0.84
Current Ratio: 2.45
ICR (EBIT): 3.46
ICR (EBITDA): 0.98
TOL/TNW: 0.88
Bureau Score: 897
Number of Loans: 2
DPD 12 Months: 100
Average Monthly Balance: ₹2,352,285
Credit Utilisation: 7.1%
GST Compliance Rate: 98.9%
Business Vintage: 20.3 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.47
DSCR: 2.40
Current Ratio: 2.98
ICR (EBIT): 1.00
ICR (EBITDA): 5.19
TOL/TNW: 5.61
Bureau Score: 810
Number of Loans: 8
DPD 12 Months: 72
Average Monthly Balance: ₹3,999,152
Credit Utilisation: 63.4%
GST Compliance Rate: 65.4%
Business Vintage: 23.5 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.96
DSCR: 1.26
Current Ratio: 1.00
ICR (EBIT): 4.18
ICR (EBITDA): 2.37
TOL/TNW: 2.22
Bureau Score: 677
Number of Loans: 2
DPD 12 Months: 40
Average Monthly Balance: ₹1,353,787
Credit Utilisation: 22.9%
GST Compliance Rate: 64.1%
Business Vintage: 3.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 3.96
DSCR: 0.34
Current Ratio: 5.19
ICR (EBIT): 0.73
ICR (EBITDA): 3.22
TOL/TNW: 2.62
Bureau Score: 769
Number of Loans: 9
DPD 12 Months: 81
Average Monthly Balance: ₹1,231,294
Credit Utilisation: 85.2%
GST Compliance Rate: 98.7%
Business Vintage: 8.0 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.51
DSCR: 2.48
Current Ratio: 0.54
ICR (EBIT): 3.79
ICR (EBITDA): 4.83
TOL/TNW: 2.31
Bureau Score: 616
Number of Loans: 6
DPD 12 Months: 5
Average Monthly Balance: ₹2,876,790
Credit Utilisation: 51.2%
GST Compliance Rate: 91.6%
Business Vintage: 23.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.57
DSCR: 1.10
Current Ratio: 5.02
ICR (EBIT): 4.27
ICR (EBITDA): 0.51
TOL/TNW: 2.12
Bureau Score: 636
Number of Loans: 5
DPD 12 Months: 4
Average Monthly Balance: ₹1,903,180
Credit Utilisation: 48.9%
GST Compliance Rate: 71.6%
Business Vintage: 12.3 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.57
DSCR: 0.86
Current Ratio: 1.78
ICR (EBIT): 2.78
ICR (EBITDA): 4.17
TOL/TNW: 1.84
Bureau Score: 319
Number of Loans: 6
DPD 12 Months: 73
Average Monthly Balance: ₹2,335,093
Credit Utilisation: 89.0%
GST Compliance Rate: 91.8%
Business Vintage: 4.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.71
DSCR: 2.26
Current Ratio: 5.98
ICR (EBIT): 4.72
ICR (EBITDA): 6.81
TOL/TNW: 0.90
Bureau Score: 843
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹221,472
Credit Utilisation: 43.1%
GST Compliance Rate: 83.5%
Business Vintage: 18.4 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.47
DSCR: 0.60
Current Ratio: 0.55
ICR (EBIT): 2.69
ICR (EBITDA): 3.69
TOL/TNW: 5.21
Bureau Score: 496
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹590,050
Credit Utilisation: 92.9%
GST Compliance Rate: 97.3%
Business Vintage: 15.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.29
DSCR: 1.57
Current Ratio: 2.50
ICR (EBIT): 4.00
ICR (EBITDA): 4.88
TOL/TNW: 2.22
Bureau Score: 753
Number of Loans: 7
DPD 12 Months: 52
Average Monthly Balance: ₹4,747,784
Credit Utilisation: 99.5%
GST Compliance Rate: 73.6%
Business Vintage: 1.4 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.21
DSCR: 1.91
Current Ratio: 5.03
ICR (EBIT): 4.89
ICR (EBITDA): 0.61
TOL/TNW: 1.92
Bureau Score: 705
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹1,515,247
Credit Utilisation: 91.3%
GST Compliance Rate: 81.0%
Business Vintage: 11.7 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.64
DSCR: 2.40
Current Ratio: 7.82
ICR (EBIT): 3.83
ICR (EBITDA): 6.50
TOL/TNW: 0.72
Bureau Score: 721
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹3,200,921
Credit Utilisation: 47.7%
GST Compliance Rate: 88.9%
Business Vintage: 21.4 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 3.14
DSCR: 0.52
Current Ratio: 3.47
ICR (EBIT): 2.65
ICR (EBITDA): 5.18
TOL/TNW: 4.09
Bureau Score: 772
Number of Loans: 10
DPD 12 Months: 76
Average Monthly Balance: ₹4,507,260
Credit Utilisation: 19.6%
GST Compliance Rate: 67.6%
Business Vintage: 23.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.25
DSCR: 2.34
Current Ratio: 5.54
ICR (EBIT): 5.23
ICR (EBITDA): 1.14
TOL/TNW: 0.22
Bureau Score: 719
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹2,323,487
Credit Utilisation: 25.6%
GST Compliance Rate: 90.4%
Business Vintage: 18.7 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.08
DSCR: 0.51
Current Ratio: 6.08
ICR (EBIT): 3.40
ICR (EBITDA): 3.99
TOL/TNW: 5.11
Bureau Score: 859
Number of Loans: 9
DPD 12 Months: 42
Average Monthly Balance: ₹3,524,094
Credit Utilisation: 60.3%
GST Compliance Rate: 57.7%
Business Vintage: 9.9 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.21
DSCR: 1.18
Current Ratio: 6.89
ICR (EBIT): 1.53
ICR (EBITDA): 4.16
TOL/TNW: 5.67
Bureau Score: 825
Number of Loans: 7
DPD 12 Months: 58
Average Monthly Balance: ₹4,177,798
Credit Utilisation: 99.2%
GST Compliance Rate: 94.3%
Business Vintage: 21.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.02
DSCR: 2.78
Current Ratio: 3.58
ICR (EBIT): 1.48
ICR (EBITDA): 2.07
TOL/TNW: 5.41
Bureau Score: 776
Number of Loans: 0
DPD 12 Months: 60
Average Monthly Balance: ₹63,784
Credit Utilisation: 96.7%
GST Compliance Rate: 90.9%
Business Vintage: 19.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 3.54
DSCR: 2.18
Current Ratio: 7.91
ICR (EBIT): 3.19
ICR (EBITDA): 3.15
TOL/TNW: 1.50
Bureau Score: 767
Number of Loans: 9
DPD 12 Months: 40
Average Monthly Balance: ₹689,882
Credit Utilisation: 61.0%
GST Compliance Rate: 74.1%
Business Vintage: 10.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.94
DSCR: 2.96
Current Ratio: 5.78
ICR (EBIT): 5.52
ICR (EBITDA): 3.44
TOL/TNW: 1.92
Bureau Score: 765
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,522,258
Credit Utilisation: 55.4%
GST Compliance Rate: 93.4%
Business Vintage: 21.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.56
DSCR: 2.76
Current Ratio: 7.53
ICR (EBIT): 2.18
ICR (EBITDA): 3.52
TOL/TNW: 1.12
Bureau Score: 714
Number of Loans: 0
DPD 12 Months: 61
Average Monthly Balance: ₹821,369
Credit Utilisation: 35.6%
GST Compliance Rate: 82.7%
Business Vintage: 23.4 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.31
DSCR: 1.38
Current Ratio: 0.52
ICR (EBIT): 4.92
ICR (EBITDA): 1.48
TOL/TNW: 3.26
Bureau Score: 810
Number of Loans: 10
DPD 12 Months: 83
Average Monthly Balance: ₹2,249,611
Credit Utilisation: 0.9%
GST Compliance Rate: 83.1%
Business Vintage: 15.2 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.85
DSCR: 2.57
Current Ratio: 1.60
ICR (EBIT): 2.99
ICR (EBITDA): 5.12
TOL/TNW: 0.23
Bureau Score: 716
Number of Loans: 6
DPD 12 Months: 111
Average Monthly Balance: ₹4,302,623
Credit Utilisation: 19.0%
GST Compliance Rate: 92.7%
Business Vintage: 8.5 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.33
DSCR: 1.85
Current Ratio: 3.77
ICR (EBIT): 3.07
ICR (EBITDA): 6.14
TOL/TNW: 1.07
Bureau Score: 802
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹3,126,268
Credit Utilisation: 22.6%
GST Compliance Rate: 85.9%
Business Vintage: 3.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.13
DSCR: 2.68
Current Ratio: 3.95
ICR (EBIT): 5.60
ICR (EBITDA): 5.11
TOL/TNW: 0.65
Bureau Score: 767
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,258,345
Credit Utilisation: 44.3%
GST Compliance Rate: 97.6%
Business Vintage: 19.8 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.65
DSCR: 1.79
Current Ratio: 3.70
ICR (EBIT): 5.65
ICR (EBITDA): 2.26
TOL/TNW: 1.04
Bureau Score: 711
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹256,612
Credit Utilisation: 32.0%
GST Compliance Rate: 88.8%
Business Vintage: 6.2 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.65
DSCR: 2.48
Current Ratio: 4.92
ICR (EBIT): 2.61
ICR (EBITDA): 1.85
TOL/TNW: 2.38
Bureau Score: 542
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹4,321,859
Credit Utilisation: 38.7%
GST Compliance Rate: 77.0%
Business Vintage: 16.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.88
DSCR: 1.23
Current Ratio: 2.16
ICR (EBIT): 3.61
ICR (EBITDA): 4.58
TOL/TNW: 4.11
Bureau Score: 890
Number of Loans: 10
DPD 12 Months: 73
Average Monthly Balance: ₹3,717,033
Credit Utilisation: 1.1%
GST Compliance Rate: 75.5%
Business Vintage: 8.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.69
DSCR: 1.66
Current Ratio: 2.61
ICR (EBIT): 5.53
ICR (EBITDA): 0.52
TOL/TNW: 0.33
Bureau Score: 867
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹3,080,516
Credit Utilisation: 7.7%
GST Compliance Rate: 99.7%
Business Vintage: 20.9 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.91
DSCR: 1.75
Current Ratio: 6.19
ICR (EBIT): 5.48
ICR (EBITDA): 6.52
TOL/TNW: 1.29
Bureau Score: 718
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹2,282,333
Credit Utilisation: 12.4%
GST Compliance Rate: 95.2%
Business Vintage: 10.9 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.25
DSCR: 2.56
Current Ratio: 3.22
ICR (EBIT): 1.43
ICR (EBITDA): 2.43
TOL/TNW: 0.48
Bureau Score: 544
Number of Loans: 7
DPD 12 Months: 80
Average Monthly Balance: ₹907,913
Credit Utilisation: 11.9%
GST Compliance Rate: 54.2%
Business Vintage: 20.6 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.75
DSCR: 1.63
Current Ratio: 4.57
ICR (EBIT): 1.92
ICR (EBITDA): 2.81
TOL/TNW: 1.15
Bureau Score: 547
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹1,999,822
Credit Utilisation: 84.1%
GST Compliance Rate: 78.1%
Business Vintage: 20.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.89
DSCR: 1.49
Current Ratio: 4.20
ICR (EBIT): 2.17
ICR (EBITDA): 2.10
TOL/TNW: 2.71
Bureau Score: 886
Number of Loans: 0
DPD 12 Months: 4
Average Monthly Balance: ₹4,375,325
Credit Utilisation: 80.6%
GST Compliance Rate: 92.3%
Business Vintage: 16.7 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.29
DSCR: 1.87
Current Ratio: 4.63
ICR (EBIT): 3.92
ICR (EBITDA): 2.10
TOL/TNW: 0.94
Bureau Score: 873
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹620,112
Credit Utilisation: 87.5%
GST Compliance Rate: 96.1%
Business Vintage: 20.4 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.46
DSCR: 2.16
Current Ratio: 6.80
ICR (EBIT): 2.94
ICR (EBITDA): 3.19
TOL/TNW: 5.56
Bureau Score: 532
Number of Loans: 8
DPD 12 Months: 108
Average Monthly Balance: ₹3,243,469
Credit Utilisation: 19.5%
GST Compliance Rate: 54.3%
Business Vintage: 17.9 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.20
DSCR: 1.37
Current Ratio: 1.94
ICR (EBIT): 3.81
ICR (EBITDA): 3.45
TOL/TNW: 3.02
Bureau Score: 727
Number of Loans: 3
DPD 12 Months: 113
Average Monthly Balance: ₹1,605,065
Credit Utilisation: 50.7%
GST Compliance Rate: 73.5%
Business Vintage: 17.4 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.85
DSCR: 2.07
Current Ratio: 1.81
ICR (EBIT): 0.63
ICR (EBITDA): 4.68
TOL/TNW: 1.28
Bureau Score: 581
Number of Loans: 10
DPD 12 Months: 53
Average Monthly Balance: ₹2,355,802
Credit Utilisation: 66.6%
GST Compliance Rate: 91.5%
Business Vintage: 5.1 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.22
DSCR: 2.96
Current Ratio: 2.40
ICR (EBIT): 5.38
ICR (EBITDA): 3.06
TOL/TNW: 1.52
Bureau Score: 802
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹4,725,303
Credit Utilisation: 82.0%
GST Compliance Rate: 82.9%
Business Vintage: 13.7 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.91
DSCR: 1.53
Current Ratio: 1.97
ICR (EBIT): 2.87
ICR (EBITDA): 0.65
TOL/TNW: 1.26
Bureau Score: 702
Number of Loans: 4
DPD 12 Months: 6
Average Monthly Balance: ₹3,157,278
Credit Utilisation: 55.0%
GST Compliance Rate: 88.8%
Business Vintage: 13.2 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.36
DSCR: 1.68
Current Ratio: 2.01
ICR (EBIT): 3.24
ICR (EBITDA): 6.63
TOL/TNW: 1.71
Bureau Score: 762
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹914,102
Credit Utilisation: 90.1%
GST Compliance Rate: 87.7%
Business Vintage: 12.1 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.37
DSCR: 2.17
Current Ratio: 2.02
ICR (EBIT): 0.96
ICR (EBITDA): 0.67
TOL/TNW: 2.48
Bureau Score: 672
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,872,574
Credit Utilisation: 6.7%
GST Compliance Rate: 90.7%
Business Vintage: 17.1 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.18
DSCR: 2.60
Current Ratio: 4.71
ICR (EBIT): 2.46
ICR (EBITDA): 0.60
TOL/TNW: 2.18
Bureau Score: 537
Number of Loans: 8
DPD 12 Months: 95
Average Monthly Balance: ₹851,244
Credit Utilisation: 8.5%
GST Compliance Rate: 55.7%
Business Vintage: 9.1 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.35
DSCR: 1.51
Current Ratio: 4.03
ICR (EBIT): 4.74
ICR (EBITDA): 1.68
TOL/TNW: 1.93
Bureau Score: 841
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,730,876
Credit Utilisation: 15.9%
GST Compliance Rate: 79.2%
Business Vintage: 20.9 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.34
DSCR: 0.74
Current Ratio: 4.23
ICR (EBIT): 2.80
ICR (EBITDA): 3.29
TOL/TNW: 4.97
Bureau Score: 400
Number of Loans: 1
DPD 12 Months: 41
Average Monthly Balance: ₹3,741,226
Credit Utilisation: 32.3%
GST Compliance Rate: 61.7%
Business Vintage: 16.1 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.52
DSCR: 1.88
Current Ratio: 7.51
ICR (EBIT): 5.68
ICR (EBITDA): 4.94
TOL/TNW: 1.17
Bureau Score: 877
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹1,060,015
Credit Utilisation: 77.0%
GST Compliance Rate: 97.9%
Business Vintage: 18.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.29
DSCR: 2.97
Current Ratio: 3.50
ICR (EBIT): 3.58
ICR (EBITDA): 0.64
TOL/TNW: 1.74
Bureau Score: 836
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹1,752,337
Credit Utilisation: 29.9%
GST Compliance Rate: 88.2%
Business Vintage: 13.4 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.66
DSCR: 1.07
Current Ratio: 2.09
ICR (EBIT): 4.30
ICR (EBITDA): 1.76
TOL/TNW: 5.53
Bureau Score: 847
Number of Loans: 9
DPD 12 Months: 88
Average Monthly Balance: ₹2,584,805
Credit Utilisation: 1.8%
GST Compliance Rate: 90.9%
Business Vintage: 3.7 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.17
DSCR: 1.51
Current Ratio: 5.52
ICR (EBIT): 4.99
ICR (EBITDA): 4.72
TOL/TNW: 4.49
Bureau Score: 450
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹664,908
Credit Utilisation: 7.9%
GST Compliance Rate: 75.2%
Business Vintage: 17.6 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.93
DSCR: 1.98
Current Ratio: 6.58
ICR (EBIT): 4.45
ICR (EBITDA): 3.88
TOL/TNW: 0.78
Bureau Score: 762
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,819,224
Credit Utilisation: 35.9%
GST Compliance Rate: 81.8%
Business Vintage: 17.0 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.86
DSCR: 1.27
Current Ratio: 5.79
ICR (EBIT): 0.57
ICR (EBITDA): 2.72
TOL/TNW: 1.30
Bureau Score: 568
Number of Loans: 6
DPD 12 Months: 40
Average Monthly Balance: ₹4,004,918
Credit Utilisation: 20.6%
GST Compliance Rate: 79.5%
Business Vintage: 4.3 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.68
DSCR: 1.70
Current Ratio: 2.07
ICR (EBIT): 3.44
ICR (EBITDA): 3.36
TOL/TNW: 1.49
Bureau Score: 777
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,562,674
Credit Utilisation: 55.8%
GST Compliance Rate: 97.9%
Business Vintage: 9.9 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.93
DSCR: 1.61
Current Ratio: 7.48
ICR (EBIT): 4.85
ICR (EBITDA): 5.77
TOL/TNW: 2.11
Bureau Score: 524
Number of Loans: 9
DPD 12 Months: 31
Average Monthly Balance: ₹1,803,941
Credit Utilisation: 54.1%
GST Compliance Rate: 59.0%
Business Vintage: 18.7 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 2.99
DSCR: 2.38
Current Ratio: 2.85
ICR (EBIT): 3.68
ICR (EBITDA): 6.45
TOL/TNW: 2.36
Bureau Score: 412
Number of Loans: 6
DPD 12 Months: 105
Average Monthly Balance: ₹4,189,566
Credit Utilisation: 68.4%
GST Compliance Rate: 68.5%
Business Vintage: 7.9 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.06
DSCR: 2.99
Current Ratio: 7.31
ICR (EBIT): 4.60
ICR (EBITDA): 4.79
TOL/TNW: 4.83
Bureau Score: 635
Number of Loans: 10
DPD 12 Months: 53
Average Monthly Balance: ₹3,558,097
Credit Utilisation: 94.7%
GST Compliance Rate: 91.3%
Business Vintage: 3.3 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.02
DSCR: 2.13
Current Ratio: 2.21
ICR (EBIT): 5.99
ICR (EBITDA): 1.72
TOL/TNW: 0.30
Bureau Score: 865
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,696,763
Credit Utilisation: 9.5%
GST Compliance Rate: 82.1%
Business Vintage: 3.6 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.46
DSCR: 2.73
Current Ratio: 2.27
ICR (EBIT): 3.91
ICR (EBITDA): 4.14
TOL/TNW: 1.98
Bureau Score: 672
Number of Loans: 5
DPD 12 Months: 58
Average Monthly Balance: ₹612,582
Credit Utilisation: 48.3%
GST Compliance Rate: 64.1%
Business Vintage: 2.0 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.22
DSCR: 2.23
Current Ratio: 2.76
ICR (EBIT): 3.86
ICR (EBITDA): 5.35
TOL/TNW: 1.43
Bureau Score: 745
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹1,009,941
Credit Utilisation: 99.1%
GST Compliance Rate: 90.3%
Business Vintage: 11.3 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 1.26
DSCR: 2.95
Current Ratio: 5.72
ICR (EBIT): 4.02
ICR (EBITDA): 6.49
TOL/TNW: 1.27
Bureau Score: 722
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹774,756
Credit Utilisation: 77.6%
GST Compliance Rate: 80.6%
Business Vintage: 16.2 years

[Assistant] Healthy


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 0.30
DSCR: 1.13
Current Ratio: 3.52
ICR (EBIT): 5.40
ICR (EBITDA): 3.82
TOL/TNW: 5.75
Bureau Score: 594
Number of Loans: 3
DPD 12 Months: 63
Average Monthly Balance: ₹1,594,189
Credit Utilisation: 51.9%
GST Compliance Rate: 62.8%
Business Vintage: 19.8 years

[Assistant] Monitor


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 4.44
DSCR: 1.77
Current Ratio: 3.02
ICR (EBIT): 0.94
ICR (EBITDA): 0.81
TOL/TNW: 3.85
Bureau Score: 471
Number of Loans: 3
DPD 12 Months: 32
Average Monthly Balance: ₹1,063,414
Credit Utilisation: 77.8%
GST Compliance Rate: 72.5%
Business Vintage: 23.7 years

[Assistant] Reject


[System]
You are an expert Indian MSME credit risk assessment model for OPL (One Platform for Lending).

Given a loan applicant's financial metrics, classify the credit risk as exactly one of:
- Healthy: Strong financials, low risk — approve the loan
- Monitor: Moderate risk — approve with conditions and ongoing monitoring
- Reject: High risk — decline the loan application

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau Score < 550, GST Compliance < 60%
- Monitor: everything else

Respond with ONLY the classification: Healthy, Monitor, or Reject.

[User]
Classify this loan application:

DE Ratio: 5.70
DSCR: 2.49
Current Ratio: 0.79
ICR (EBIT): 2.29
ICR (EBITDA): 2.59
TOL/TNW: 2.49
Bureau Score: 703
Number of Loans: 8
DPD 12 Months: 85
Average Monthly Balance: ₹3,883,834
Credit Utilisation: 17.3%
GST Compliance Rate: 81.1%
Business Vintage: 6.9 years

[Assistant] Monitor