[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: 3.11
DSCR: 2.06
Current Ratio: 1.10
ICR (EBIT): 4.13
ICR (EBITDA): 6.21
TOL/TNW: 3.80
Bureau Score: 601
Number of Loans: 4
DPD 12 Months: 7
Average Monthly Balance: ₹1,695,327
Credit Utilisation: 60.1%
GST Compliance Rate: 93.4%
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: 0.29
DSCR: 2.11
Current Ratio: 3.53
ICR (EBIT): 3.20
ICR (EBITDA): 4.94
TOL/TNW: 0.12
Bureau Score: 772
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,775,791
Credit Utilisation: 52.1%
GST Compliance Rate: 82.6%
Business Vintage: 21.7 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: 4.10
DSCR: 2.09
Current Ratio: 7.89
ICR (EBIT): 0.82
ICR (EBITDA): 6.90
TOL/TNW: 2.30
Bureau Score: 883
Number of Loans: 0
DPD 12 Months: 76
Average Monthly Balance: ₹4,285,785
Credit Utilisation: 20.1%
GST Compliance Rate: 70.9%
Business Vintage: 2.2 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: 5.60
DSCR: 0.65
Current Ratio: 0.79
ICR (EBIT): 1.37
ICR (EBITDA): 1.87
TOL/TNW: 5.72
Bureau Score: 810
Number of Loans: 1
DPD 12 Months: 78
Average Monthly Balance: ₹3,844,796
Credit Utilisation: 65.6%
GST Compliance Rate: 91.6%
Business Vintage: 11.4 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: 1.82
DSCR: 1.32
Current Ratio: 5.27
ICR (EBIT): 1.47
ICR (EBITDA): 1.16
TOL/TNW: 3.58
Bureau Score: 767
Number of Loans: 1
DPD 12 Months: 6
Average Monthly Balance: ₹1,566,515
Credit Utilisation: 88.1%
GST Compliance Rate: 72.5%
Business Vintage: 1.5 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: 1.43
DSCR: 0.79
Current Ratio: 5.86
ICR (EBIT): 5.36
ICR (EBITDA): 0.81
TOL/TNW: 5.85
Bureau Score: 473
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,629,667
Credit Utilisation: 19.5%
GST Compliance Rate: 50.6%
Business Vintage: 21.4 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: 5.72
DSCR: 0.56
Current Ratio: 4.78
ICR (EBIT): 3.76
ICR (EBITDA): 1.80
TOL/TNW: 5.65
Bureau Score: 516
Number of Loans: 1
DPD 12 Months: 115
Average Monthly Balance: ₹2,063,382
Credit Utilisation: 15.8%
GST Compliance Rate: 58.7%
Business Vintage: 24.0 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: 3.12
DSCR: 2.60
Current Ratio: 7.47
ICR (EBIT): 5.40
ICR (EBITDA): 2.96
TOL/TNW: 1.75
Bureau Score: 417
Number of Loans: 9
DPD 12 Months: 114
Average Monthly Balance: ₹4,439,230
Credit Utilisation: 51.1%
GST Compliance Rate: 70.6%
Business Vintage: 6.8 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: 0.46
DSCR: 1.75
Current Ratio: 3.19
ICR (EBIT): 4.38
ICR (EBITDA): 2.59
TOL/TNW: 1.08
Bureau Score: 709
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹4,880,666
Credit Utilisation: 73.3%
GST Compliance Rate: 82.3%
Business Vintage: 10.3 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: 1.18
DSCR: 2.16
Current Ratio: 2.23
ICR (EBIT): 4.43
ICR (EBITDA): 1.39
TOL/TNW: 0.27
Bureau Score: 757
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹78,222
Credit Utilisation: 35.6%
GST Compliance Rate: 80.9%
Business Vintage: 20.1 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: 3.20
DSCR: 1.37
Current Ratio: 4.28
ICR (EBIT): 5.64
ICR (EBITDA): 0.87
TOL/TNW: 5.48
Bureau Score: 629
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹2,296,063
Credit Utilisation: 17.1%
GST Compliance Rate: 69.3%
Business Vintage: 15.6 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: 2.76
DSCR: 2.43
Current Ratio: 3.86
ICR (EBIT): 5.57
ICR (EBITDA): 5.58
TOL/TNW: 0.69
Bureau Score: 826
Number of Loans: 8
DPD 12 Months: 104
Average Monthly Balance: ₹593,131
Credit Utilisation: 85.0%
GST Compliance Rate: 55.1%
Business Vintage: 6.0 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: 2.01
DSCR: 1.08
Current Ratio: 1.29
ICR (EBIT): 3.74
ICR (EBITDA): 5.82
TOL/TNW: 2.57
Bureau Score: 849
Number of Loans: 9
DPD 12 Months: 28
Average Monthly Balance: ₹3,936,456
Credit Utilisation: 53.7%
GST Compliance Rate: 61.9%
Business Vintage: 16.5 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: 1.96
DSCR: 2.85
Current Ratio: 3.64
ICR (EBIT): 0.81
ICR (EBITDA): 4.65
TOL/TNW: 0.65
Bureau Score: 799
Number of Loans: 6
DPD 12 Months: 4
Average Monthly Balance: ₹4,238,052
Credit Utilisation: 12.1%
GST Compliance Rate: 96.5%
Business Vintage: 10.6 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: 3.94
DSCR: 2.90
Current Ratio: 3.41
ICR (EBIT): 4.03
ICR (EBITDA): 4.99
TOL/TNW: 0.85
Bureau Score: 551
Number of Loans: 8
DPD 12 Months: 20
Average Monthly Balance: ₹4,242,638
Credit Utilisation: 65.6%
GST Compliance Rate: 74.7%
Business Vintage: 4.6 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: 2.70
DSCR: 1.59
Current Ratio: 2.80
ICR (EBIT): 4.43
ICR (EBITDA): 1.65
TOL/TNW: 5.62
Bureau Score: 393
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹2,575,177
Credit Utilisation: 73.8%
GST Compliance Rate: 75.2%
Business Vintage: 19.9 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: 2.63
DSCR: 2.62
Current Ratio: 6.12
ICR (EBIT): 2.73
ICR (EBITDA): 2.29
TOL/TNW: 2.46
Bureau Score: 850
Number of Loans: 1
DPD 12 Months: 46
Average Monthly Balance: ₹3,153,513
Credit Utilisation: 56.1%
GST Compliance Rate: 87.1%
Business Vintage: 2.9 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: 3.95
DSCR: 2.15
Current Ratio: 5.49
ICR (EBIT): 4.98
ICR (EBITDA): 3.76
TOL/TNW: 1.42
Bureau Score: 570
Number of Loans: 7
DPD 12 Months: 14
Average Monthly Balance: ₹1,118,939
Credit Utilisation: 97.6%
GST Compliance Rate: 88.2%
Business Vintage: 24.1 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: 2.68
DSCR: 2.38
Current Ratio: 0.88
ICR (EBIT): 3.01
ICR (EBITDA): 4.59
TOL/TNW: 1.65
Bureau Score: 671
Number of Loans: 6
DPD 12 Months: 36
Average Monthly Balance: ₹4,769,787
Credit Utilisation: 66.0%
GST Compliance Rate: 92.1%
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: 0.58
DSCR: 2.73
Current Ratio: 3.30
ICR (EBIT): 3.03
ICR (EBITDA): 4.55
TOL/TNW: 1.98
Bureau Score: 888
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,368,467
Credit Utilisation: 90.1%
GST Compliance Rate: 90.9%
Business Vintage: 20.5 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: 0.58
DSCR: 2.45
Current Ratio: 4.32
ICR (EBIT): 4.95
ICR (EBITDA): 4.36
TOL/TNW: 1.68
Bureau Score: 724
Number of Loans: 10
DPD 12 Months: 75
Average Monthly Balance: ₹4,932,859
Credit Utilisation: 11.8%
GST Compliance Rate: 93.9%
Business Vintage: 20.0 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: 5.19
DSCR: 2.73
Current Ratio: 3.12
ICR (EBIT): 1.32
ICR (EBITDA): 1.27
TOL/TNW: 5.55
Bureau Score: 646
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,916,261
Credit Utilisation: 88.4%
GST Compliance Rate: 96.6%
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: 0.38
DSCR: 1.95
Current Ratio: 4.49
ICR (EBIT): 5.14
ICR (EBITDA): 3.48
TOL/TNW: 0.75
Bureau Score: 835
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,169,399
Credit Utilisation: 11.9%
GST Compliance Rate: 91.5%
Business Vintage: 6.4 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: 3.21
DSCR: 1.84
Current Ratio: 2.95
ICR (EBIT): 2.69
ICR (EBITDA): 1.50
TOL/TNW: 5.73
Bureau Score: 359
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹2,388,212
Credit Utilisation: 71.4%
GST Compliance Rate: 91.8%
Business Vintage: 7.3 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: 0.91
DSCR: 2.20
Current Ratio: 0.59
ICR (EBIT): 2.37
ICR (EBITDA): 1.82
TOL/TNW: 3.47
Bureau Score: 515
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹2,438,798
Credit Utilisation: 13.7%
GST Compliance Rate: 96.8%
Business Vintage: 21.8 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: 3.83
DSCR: 2.51
Current Ratio: 3.76
ICR (EBIT): 3.93
ICR (EBITDA): 3.12
TOL/TNW: 4.28
Bureau Score: 632
Number of Loans: 5
DPD 12 Months: 111
Average Monthly Balance: ₹4,001,424
Credit Utilisation: 37.1%
GST Compliance Rate: 70.6%
Business Vintage: 14.8 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: 1.17
DSCR: 1.71
Current Ratio: 3.07
ICR (EBIT): 4.19
ICR (EBITDA): 6.41
TOL/TNW: 1.62
Bureau Score: 740
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,294,308
Credit Utilisation: 50.8%
GST Compliance Rate: 94.9%
Business Vintage: 4.4 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: 0.80
DSCR: 1.99
Current Ratio: 7.63
ICR (EBIT): 3.69
ICR (EBITDA): 5.52
TOL/TNW: 0.98
Bureau Score: 714
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹1,770,590
Credit Utilisation: 41.4%
GST Compliance Rate: 84.8%
Business Vintage: 17.4 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: 4.12
DSCR: 1.99
Current Ratio: 0.57
ICR (EBIT): 3.40
ICR (EBITDA): 2.42
TOL/TNW: 1.06
Bureau Score: 525
Number of Loans: 6
DPD 12 Months: 93
Average Monthly Balance: ₹2,971,196
Credit Utilisation: 32.2%
GST Compliance Rate: 51.2%
Business Vintage: 24.9 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: 1.28
DSCR: 2.90
Current Ratio: 7.38
ICR (EBIT): 4.76
ICR (EBITDA): 1.58
TOL/TNW: 0.12
Bureau Score: 741
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,347,548
Credit Utilisation: 35.3%
GST Compliance Rate: 89.8%
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: 1.98
DSCR: 1.46
Current Ratio: 2.62
ICR (EBIT): 1.29
ICR (EBITDA): 1.94
TOL/TNW: 0.58
Bureau Score: 897
Number of Loans: 8
DPD 12 Months: 20
Average Monthly Balance: ₹3,405,171
Credit Utilisation: 95.5%
GST Compliance Rate: 81.2%
Business Vintage: 5.6 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: 0.71
DSCR: 2.97
Current Ratio: 5.79
ICR (EBIT): 5.20
ICR (EBITDA): 5.10
TOL/TNW: 0.33
Bureau Score: 796
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹2,863,335
Credit Utilisation: 11.3%
GST Compliance Rate: 93.4%
Business Vintage: 22.3 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: 1.30
DSCR: 2.60
Current Ratio: 6.10
ICR (EBIT): 3.92
ICR (EBITDA): 2.47
TOL/TNW: 1.90
Bureau Score: 725
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹2,168,532
Credit Utilisation: 98.7%
GST Compliance Rate: 86.2%
Business Vintage: 5.2 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: 2.14
DSCR: 1.57
Current Ratio: 6.18
ICR (EBIT): 2.04
ICR (EBITDA): 1.81
TOL/TNW: 2.27
Bureau Score: 698
Number of Loans: 10
DPD 12 Months: 19
Average Monthly Balance: ₹1,597,150
Credit Utilisation: 15.8%
GST Compliance Rate: 92.0%
Business Vintage: 19.7 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: 0.55
DSCR: 2.63
Current Ratio: 7.59
ICR (EBIT): 3.93
ICR (EBITDA): 5.36
TOL/TNW: 0.74
Bureau Score: 866
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,619,999
Credit Utilisation: 59.0%
GST Compliance Rate: 91.5%
Business Vintage: 22.2 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: 3.85
DSCR: 2.65
Current Ratio: 3.06
ICR (EBIT): 4.57
ICR (EBITDA): 3.55
TOL/TNW: 3.30
Bureau Score: 679
Number of Loans: 10
DPD 12 Months: 12
Average Monthly Balance: ₹774,523
Credit Utilisation: 25.7%
GST Compliance Rate: 77.5%
Business Vintage: 1.9 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: 4.73
DSCR: 1.65
Current Ratio: 6.45
ICR (EBIT): 2.51
ICR (EBITDA): 2.43
TOL/TNW: 4.88
Bureau Score: 314
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹928,114
Credit Utilisation: 88.4%
GST Compliance Rate: 78.2%
Business Vintage: 16.8 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: 1.41
DSCR: 2.07
Current Ratio: 1.72
ICR (EBIT): 2.02
ICR (EBITDA): 4.27
TOL/TNW: 5.33
Bureau Score: 305
Number of Loans: 7
DPD 12 Months: 21
Average Monthly Balance: ₹4,780,725
Credit Utilisation: 93.1%
GST Compliance Rate: 87.3%
Business Vintage: 11.8 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: 0.87
DSCR: 2.79
Current Ratio: 7.05
ICR (EBIT): 5.05
ICR (EBITDA): 2.75
TOL/TNW: 1.73
Bureau Score: 825
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹3,578,831
Credit Utilisation: 0.6%
GST Compliance Rate: 98.2%
Business Vintage: 12.2 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: 0.38
DSCR: 1.60
Current Ratio: 7.14
ICR (EBIT): 4.38
ICR (EBITDA): 3.31
TOL/TNW: 1.01
Bureau Score: 870
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹1,871,238
Credit Utilisation: 27.1%
GST Compliance Rate: 85.0%
Business Vintage: 24.7 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: 0.30
DSCR: 1.89
Current Ratio: 2.50
ICR (EBIT): 3.91
ICR (EBITDA): 3.80
TOL/TNW: 1.54
Bureau Score: 792
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹328,888
Credit Utilisation: 30.7%
GST Compliance Rate: 92.1%
Business Vintage: 11.8 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: 4.02
DSCR: 2.40
Current Ratio: 3.58
ICR (EBIT): 3.59
ICR (EBITDA): 5.54
TOL/TNW: 3.30
Bureau Score: 672
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹695,241
Credit Utilisation: 9.9%
GST Compliance Rate: 59.2%
Business Vintage: 10.8 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: 5.31
DSCR: 2.66
Current Ratio: 2.64
ICR (EBIT): 4.20
ICR (EBITDA): 2.50
TOL/TNW: 3.19
Bureau Score: 441
Number of Loans: 10
DPD 12 Months: 100
Average Monthly Balance: ₹3,717,671
Credit Utilisation: 40.2%
GST Compliance Rate: 95.7%
Business Vintage: 2.7 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: 2.69
DSCR: 2.69
Current Ratio: 3.37
ICR (EBIT): 5.33
ICR (EBITDA): 2.03
TOL/TNW: 3.21
Bureau Score: 828
Number of Loans: 9
DPD 12 Months: 77
Average Monthly Balance: ₹2,182,946
Credit Utilisation: 81.3%
GST Compliance Rate: 79.7%
Business Vintage: 7.5 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: 0.56
DSCR: 2.41
Current Ratio: 5.34
ICR (EBIT): 4.02
ICR (EBITDA): 6.99
TOL/TNW: 0.97
Bureau Score: 748
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹324,603
Credit Utilisation: 85.5%
GST Compliance Rate: 83.7%
Business Vintage: 16.3 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: 1.29
DSCR: 2.67
Current Ratio: 7.98
ICR (EBIT): 3.61
ICR (EBITDA): 6.07
TOL/TNW: 0.44
Bureau Score: 744
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹1,372,997
Credit Utilisation: 14.2%
GST Compliance Rate: 90.3%
Business Vintage: 25.0 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: 5.75
DSCR: 2.12
Current Ratio: 4.18
ICR (EBIT): 1.94
ICR (EBITDA): 4.34
TOL/TNW: 3.41
Bureau Score: 688
Number of Loans: 4
DPD 12 Months: 26
Average Monthly Balance: ₹15,503
Credit Utilisation: 38.1%
GST Compliance Rate: 85.4%
Business Vintage: 12.4 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: 3.21
DSCR: 0.71
Current Ratio: 4.63
ICR (EBIT): 1.06
ICR (EBITDA): 2.26
TOL/TNW: 0.98
Bureau Score: 865
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹4,751,237
Credit Utilisation: 12.4%
GST Compliance Rate: 64.0%
Business Vintage: 22.1 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: 3.17
DSCR: 0.86
Current Ratio: 5.17
ICR (EBIT): 5.87
ICR (EBITDA): 5.43
TOL/TNW: 1.17
Bureau Score: 601
Number of Loans: 3
DPD 12 Months: 63
Average Monthly Balance: ₹771,369
Credit Utilisation: 19.0%
GST Compliance Rate: 61.6%
Business Vintage: 15.2 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: 3.89
DSCR: 1.06
Current Ratio: 4.94
ICR (EBIT): 5.74
ICR (EBITDA): 3.86
TOL/TNW: 1.80
Bureau Score: 606
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,537,936
Credit Utilisation: 83.4%
GST Compliance Rate: 65.5%
Business Vintage: 18.4 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: 3.86
DSCR: 0.37
Current Ratio: 4.08
ICR (EBIT): 3.28
ICR (EBITDA): 1.95
TOL/TNW: 4.46
Bureau Score: 308
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹3,013,213
Credit Utilisation: 67.4%
GST Compliance Rate: 97.6%
Business Vintage: 10.1 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: 3.89
DSCR: 0.76
Current Ratio: 6.80
ICR (EBIT): 5.21
ICR (EBITDA): 6.43
TOL/TNW: 5.19
Bureau Score: 548
Number of Loans: 3
DPD 12 Months: 117
Average Monthly Balance: ₹2,126,431
Credit Utilisation: 51.8%
GST Compliance Rate: 65.5%
Business Vintage: 19.6 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: 2.00
DSCR: 2.99
Current Ratio: 3.58
ICR (EBIT): 3.47
ICR (EBITDA): 4.82
TOL/TNW: 4.97
Bureau Score: 489
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹2,218,154
Credit Utilisation: 48.0%
GST Compliance Rate: 59.9%
Business Vintage: 1.8 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: 3.20
DSCR: 2.37
Current Ratio: 6.77
ICR (EBIT): 4.10
ICR (EBITDA): 0.74
TOL/TNW: 1.16
Bureau Score: 802
Number of Loans: 8
DPD 12 Months: 64
Average Monthly Balance: ₹1,444,577
Credit Utilisation: 73.3%
GST Compliance Rate: 64.3%
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: 0.40
DSCR: 1.52
Current Ratio: 3.09
ICR (EBIT): 3.09
ICR (EBITDA): 5.91
TOL/TNW: 1.34
Bureau Score: 785
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹1,070,706
Credit Utilisation: 3.5%
GST Compliance Rate: 97.0%
Business Vintage: 23.1 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: 3.70
DSCR: 2.03
Current Ratio: 2.87
ICR (EBIT): 1.85
ICR (EBITDA): 4.81
TOL/TNW: 2.46
Bureau Score: 381
Number of Loans: 8
DPD 12 Months: 115
Average Monthly Balance: ₹2,925,962
Credit Utilisation: 99.7%
GST Compliance Rate: 84.0%
Business Vintage: 15.8 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: 3.31
DSCR: 2.46
Current Ratio: 0.63
ICR (EBIT): 2.32
ICR (EBITDA): 2.90
TOL/TNW: 0.38
Bureau Score: 604
Number of Loans: 10
DPD 12 Months: 55
Average Monthly Balance: ₹4,368,712
Credit Utilisation: 5.2%
GST Compliance Rate: 62.4%
Business Vintage: 6.7 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: 0.39
DSCR: 2.22
Current Ratio: 5.30
ICR (EBIT): 3.17
ICR (EBITDA): 3.44
TOL/TNW: 1.15
Bureau Score: 773
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,685,618
Credit Utilisation: 34.3%
GST Compliance Rate: 93.0%
Business Vintage: 22.3 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: 0.52
DSCR: 2.64
Current Ratio: 3.49
ICR (EBIT): 5.29
ICR (EBITDA): 5.57
TOL/TNW: 1.41
Bureau Score: 876
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,512,856
Credit Utilisation: 52.9%
GST Compliance Rate: 94.7%
Business Vintage: 4.7 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: 1.76
DSCR: 2.47
Current Ratio: 5.70
ICR (EBIT): 2.97
ICR (EBITDA): 0.70
TOL/TNW: 0.47
Bureau Score: 784
Number of Loans: 8
DPD 12 Months: 85
Average Monthly Balance: ₹4,544,333
Credit Utilisation: 42.0%
GST Compliance Rate: 83.9%
Business Vintage: 2.1 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: 0.86
DSCR: 1.83
Current Ratio: 4.95
ICR (EBIT): 3.85
ICR (EBITDA): 4.96
TOL/TNW: 0.94
Bureau Score: 807
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹1,874,231
Credit Utilisation: 66.4%
GST Compliance Rate: 95.6%
Business Vintage: 10.2 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: 5.88
DSCR: 0.88
Current Ratio: 2.33
ICR (EBIT): 4.88
ICR (EBITDA): 1.17
TOL/TNW: 4.44
Bureau Score: 883
Number of Loans: 4
DPD 12 Months: 97
Average Monthly Balance: ₹299,261
Credit Utilisation: 84.3%
GST Compliance Rate: 52.9%
Business Vintage: 20.0 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: 3.19
DSCR: 2.21
Current Ratio: 3.75
ICR (EBIT): 4.03
ICR (EBITDA): 1.07
TOL/TNW: 1.61
Bureau Score: 395
Number of Loans: 2
DPD 12 Months: 62
Average Monthly Balance: ₹4,983,406
Credit Utilisation: 94.6%
GST Compliance Rate: 55.1%
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: 1.73
DSCR: 1.74
Current Ratio: 5.33
ICR (EBIT): 4.79
ICR (EBITDA): 3.81
TOL/TNW: 3.19
Bureau Score: 636
Number of Loans: 6
DPD 12 Months: 59
Average Monthly Balance: ₹4,629,716
Credit Utilisation: 27.2%
GST Compliance Rate: 70.8%
Business Vintage: 8.9 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: 5.24
DSCR: 2.93
Current Ratio: 2.77
ICR (EBIT): 5.32
ICR (EBITDA): 1.55
TOL/TNW: 0.58
Bureau Score: 623
Number of Loans: 9
DPD 12 Months: 66
Average Monthly Balance: ₹1,384,410
Credit Utilisation: 20.8%
GST Compliance Rate: 87.4%
Business Vintage: 18.8 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: 1.90
DSCR: 2.49
Current Ratio: 7.98
ICR (EBIT): 1.64
ICR (EBITDA): 6.40
TOL/TNW: 2.86
Bureau Score: 709
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,855,841
Credit Utilisation: 46.6%
GST Compliance Rate: 59.3%
Business Vintage: 11.0 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: 0.12
DSCR: 1.76
Current Ratio: 7.93
ICR (EBIT): 4.96
ICR (EBITDA): 2.50
TOL/TNW: 1.76
Bureau Score: 720
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,890,439
Credit Utilisation: 19.4%
GST Compliance Rate: 91.7%
Business Vintage: 19.6 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: 1.15
DSCR: 2.51
Current Ratio: 4.73
ICR (EBIT): 4.37
ICR (EBITDA): 0.58
TOL/TNW: 0.55
Bureau Score: 873
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹345,776
Credit Utilisation: 88.7%
GST Compliance Rate: 85.8%
Business Vintage: 22.2 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: 4.89
DSCR: 0.50
Current Ratio: 2.31
ICR (EBIT): 2.63
ICR (EBITDA): 4.69
TOL/TNW: 0.50
Bureau Score: 607
Number of Loans: 10
DPD 12 Months: 31
Average Monthly Balance: ₹2,176,706
Credit Utilisation: 90.3%
GST Compliance Rate: 52.7%
Business Vintage: 1.8 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: 0.40
DSCR: 1.95
Current Ratio: 2.84
ICR (EBIT): 5.46
ICR (EBITDA): 3.72
TOL/TNW: 3.04
Bureau Score: 815
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,731,879
Credit Utilisation: 94.0%
GST Compliance Rate: 69.5%
Business Vintage: 18.9 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: 0.90
DSCR: 1.95
Current Ratio: 3.06
ICR (EBIT): 3.90
ICR (EBITDA): 1.44
TOL/TNW: 0.73
Bureau Score: 721
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹195,996
Credit Utilisation: 16.7%
GST Compliance Rate: 90.9%
Business Vintage: 7.3 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: 3.33
DSCR: 1.10
Current Ratio: 6.65
ICR (EBIT): 3.43
ICR (EBITDA): 2.96
TOL/TNW: 5.63
Bureau Score: 644
Number of Loans: 4
DPD 12 Months: 102
Average Monthly Balance: ₹2,229,424
Credit Utilisation: 70.3%
GST Compliance Rate: 83.1%
Business Vintage: 3.3 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: 4.56
DSCR: 0.36
Current Ratio: 4.27
ICR (EBIT): 4.09
ICR (EBITDA): 3.57
TOL/TNW: 4.12
Bureau Score: 665
Number of Loans: 2
DPD 12 Months: 59
Average Monthly Balance: ₹1,754,164
Credit Utilisation: 5.1%
GST Compliance Rate: 61.4%
Business Vintage: 10.1 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: 0.69
DSCR: 2.07
Current Ratio: 7.01
ICR (EBIT): 4.50
ICR (EBITDA): 4.06
TOL/TNW: 1.42
Bureau Score: 789
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,018,235
Credit Utilisation: 70.3%
GST Compliance Rate: 85.9%
Business Vintage: 19.1 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: 4.93
DSCR: 1.27
Current Ratio: 3.20
ICR (EBIT): 3.42
ICR (EBITDA): 3.22
TOL/TNW: 2.85
Bureau Score: 569
Number of Loans: 10
DPD 12 Months: 59
Average Monthly Balance: ₹3,500,389
Credit Utilisation: 13.9%
GST Compliance Rate: 97.5%
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: 2.34
DSCR: 1.59
Current Ratio: 5.66
ICR (EBIT): 5.57
ICR (EBITDA): 3.32
TOL/TNW: 5.13
Bureau Score: 764
Number of Loans: 4
DPD 12 Months: 50
Average Monthly Balance: ₹339,114
Credit Utilisation: 13.5%
GST Compliance Rate: 72.9%
Business Vintage: 12.4 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: 0.22
DSCR: 1.93
Current Ratio: 5.03
ICR (EBIT): 4.84
ICR (EBITDA): 4.78
TOL/TNW: 4.35
Bureau Score: 570
Number of Loans: 6
DPD 12 Months: 56
Average Monthly Balance: ₹3,644,117
Credit Utilisation: 75.3%
GST Compliance Rate: 76.1%
Business Vintage: 24.2 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: 5.73
DSCR: 1.19
Current Ratio: 3.02
ICR (EBIT): 1.27
ICR (EBITDA): 6.30
TOL/TNW: 2.92
Bureau Score: 610
Number of Loans: 1
DPD 12 Months: 55
Average Monthly Balance: ₹4,130,604
Credit Utilisation: 68.0%
GST Compliance Rate: 68.5%
Business Vintage: 14.8 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: 0.26
DSCR: 1.88
Current Ratio: 4.05
ICR (EBIT): 4.98
ICR (EBITDA): 4.46
TOL/TNW: 1.15
Bureau Score: 762
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹670,363
Credit Utilisation: 73.2%
GST Compliance Rate: 88.1%
Business Vintage: 24.4 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: 3.76
DSCR: 1.26
Current Ratio: 1.69
ICR (EBIT): 5.60
ICR (EBITDA): 5.69
TOL/TNW: 4.58
Bureau Score: 334
Number of Loans: 0
DPD 12 Months: 66
Average Monthly Balance: ₹3,968,757
Credit Utilisation: 63.6%
GST Compliance Rate: 71.7%
Business Vintage: 6.5 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: 0.60
DSCR: 2.84
Current Ratio: 4.43
ICR (EBIT): 5.90
ICR (EBITDA): 0.67
TOL/TNW: 0.68
Bureau Score: 753
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,062,077
Credit Utilisation: 5.5%
GST Compliance Rate: 89.8%
Business Vintage: 8.0 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: 5.38
DSCR: 0.50
Current Ratio: 1.04
ICR (EBIT): 1.19
ICR (EBITDA): 3.15
TOL/TNW: 3.01
Bureau Score: 394
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹1,182,452
Credit Utilisation: 55.3%
GST Compliance Rate: 59.8%
Business Vintage: 13.1 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: 1.91
DSCR: 2.61
Current Ratio: 3.86
ICR (EBIT): 4.20
ICR (EBITDA): 5.68
TOL/TNW: 1.65
Bureau Score: 717
Number of Loans: 2
DPD 12 Months: 83
Average Monthly Balance: ₹2,751,470
Credit Utilisation: 37.4%
GST Compliance Rate: 69.0%
Business Vintage: 8.1 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: 1.45
DSCR: 2.95
Current Ratio: 4.74
ICR (EBIT): 4.65
ICR (EBITDA): 6.77
TOL/TNW: 1.43
Bureau Score: 835
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹1,033,223
Credit Utilisation: 6.2%
GST Compliance Rate: 86.8%
Business Vintage: 8.3 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: 0.87
DSCR: 0.97
Current Ratio: 6.01
ICR (EBIT): 2.79
ICR (EBITDA): 4.73
TOL/TNW: 1.08
Bureau Score: 868
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,548,775
Credit Utilisation: 8.1%
GST Compliance Rate: 94.4%
Business Vintage: 23.6 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: 1.18
DSCR: 1.56
Current Ratio: 6.81
ICR (EBIT): 3.88
ICR (EBITDA): 1.98
TOL/TNW: 0.17
Bureau Score: 875
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹4,714,278
Credit Utilisation: 73.3%
GST Compliance Rate: 84.4%
Business Vintage: 1.5 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: 1.38
DSCR: 2.77
Current Ratio: 3.49
ICR (EBIT): 3.93
ICR (EBITDA): 5.80
TOL/TNW: 1.94
Bureau Score: 704
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹534,761
Credit Utilisation: 93.7%
GST Compliance Rate: 80.7%
Business Vintage: 2.3 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: 0.37
DSCR: 2.08
Current Ratio: 4.13
ICR (EBIT): 1.53
ICR (EBITDA): 0.58
TOL/TNW: 5.84
Bureau Score: 770
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,237,758
Credit Utilisation: 83.3%
GST Compliance Rate: 64.6%
Business Vintage: 6.1 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: 3.61
DSCR: 1.10
Current Ratio: 0.88
ICR (EBIT): 4.99
ICR (EBITDA): 3.11
TOL/TNW: 0.33
Bureau Score: 791
Number of Loans: 8
DPD 12 Months: 20
Average Monthly Balance: ₹3,813,962
Credit Utilisation: 76.0%
GST Compliance Rate: 72.8%
Business Vintage: 23.1 years

[Assistant] Monitor