[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: 2.74
Current Ratio: 5.47
ICR (EBIT): 5.70
ICR (EBITDA): 6.02
TOL/TNW: 1.44
Bureau Score: 817
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹309,783
Credit Utilisation: 29.6%
GST Compliance Rate: 91.6%
Business Vintage: 6.5 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: 2.22
DSCR: 2.82
Current Ratio: 0.87
ICR (EBIT): 5.77
ICR (EBITDA): 3.51
TOL/TNW: 0.54
Bureau Score: 767
Number of Loans: 3
DPD 12 Months: 42
Average Monthly Balance: ₹985,743
Credit Utilisation: 79.8%
GST Compliance Rate: 73.9%
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: 1.20
DSCR: 1.97
Current Ratio: 5.61
ICR (EBIT): 4.72
ICR (EBITDA): 2.08
TOL/TNW: 1.87
Bureau Score: 785
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹119,611
Credit Utilisation: 84.2%
GST Compliance Rate: 89.4%
Business Vintage: 12.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.59
DSCR: 2.89
Current Ratio: 3.30
ICR (EBIT): 4.84
ICR (EBITDA): 4.44
TOL/TNW: 2.05
Bureau Score: 629
Number of Loans: 3
DPD 12 Months: 47
Average Monthly Balance: ₹2,872,523
Credit Utilisation: 69.1%
GST Compliance Rate: 89.0%
Business Vintage: 21.3 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.25
DSCR: 1.67
Current Ratio: 3.62
ICR (EBIT): 5.48
ICR (EBITDA): 4.09
TOL/TNW: 1.08
Bureau Score: 743
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,065,477
Credit Utilisation: 15.8%
GST Compliance Rate: 85.2%
Business Vintage: 7.0 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: 0.54
DSCR: 1.60
Current Ratio: 6.17
ICR (EBIT): 4.04
ICR (EBITDA): 4.82
TOL/TNW: 0.50
Bureau Score: 843
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,927,823
Credit Utilisation: 40.9%
GST Compliance Rate: 84.0%
Business Vintage: 7.4 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.94
DSCR: 1.59
Current Ratio: 4.52
ICR (EBIT): 2.27
ICR (EBITDA): 4.71
TOL/TNW: 3.17
Bureau Score: 864
Number of Loans: 4
DPD 12 Months: 65
Average Monthly Balance: ₹4,281,212
Credit Utilisation: 21.3%
GST Compliance Rate: 76.0%
Business Vintage: 8.4 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: 0.48
DSCR: 2.18
Current Ratio: 1.67
ICR (EBIT): 4.36
ICR (EBITDA): 5.77
TOL/TNW: 0.22
Bureau Score: 779
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹2,072,445
Credit Utilisation: 33.5%
GST Compliance Rate: 82.7%
Business Vintage: 15.5 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: 1.94
DSCR: 1.82
Current Ratio: 5.73
ICR (EBIT): 4.23
ICR (EBITDA): 5.20
TOL/TNW: 2.68
Bureau Score: 435
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹4,270,946
Credit Utilisation: 45.3%
GST Compliance Rate: 73.4%
Business Vintage: 5.2 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.61
DSCR: 2.59
Current Ratio: 2.78
ICR (EBIT): 1.44
ICR (EBITDA): 5.83
TOL/TNW: 2.96
Bureau Score: 693
Number of Loans: 9
DPD 12 Months: 16
Average Monthly Balance: ₹1,386,766
Credit Utilisation: 33.4%
GST Compliance Rate: 99.9%
Business Vintage: 19.3 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: 4.21
DSCR: 1.57
Current Ratio: 2.20
ICR (EBIT): 3.53
ICR (EBITDA): 5.18
TOL/TNW: 2.60
Bureau Score: 764
Number of Loans: 1
DPD 12 Months: 89
Average Monthly Balance: ₹2,902,675
Credit Utilisation: 14.0%
GST Compliance Rate: 76.0%
Business Vintage: 16.1 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: 0.87
DSCR: 2.95
Current Ratio: 5.74
ICR (EBIT): 4.65
ICR (EBITDA): 2.20
TOL/TNW: 0.41
Bureau Score: 870
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹1,997,229
Credit Utilisation: 10.1%
GST Compliance Rate: 80.1%
Business Vintage: 13.5 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: 1.39
DSCR: 2.46
Current Ratio: 3.25
ICR (EBIT): 4.77
ICR (EBITDA): 5.84
TOL/TNW: 1.17
Bureau Score: 827
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹2,622,608
Credit Utilisation: 44.2%
GST Compliance Rate: 92.2%
Business Vintage: 24.3 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: 0.99
DSCR: 2.21
Current Ratio: 4.69
ICR (EBIT): 4.04
ICR (EBITDA): 0.50
TOL/TNW: 1.58
Bureau Score: 883
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,684,737
Credit Utilisation: 83.8%
GST Compliance Rate: 86.5%
Business Vintage: 22.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.73
DSCR: 2.29
Current Ratio: 3.39
ICR (EBIT): 4.81
ICR (EBITDA): 4.49
TOL/TNW: 0.94
Bureau Score: 823
Number of Loans: 9
DPD 12 Months: 25
Average Monthly Balance: ₹3,261,535
Credit Utilisation: 73.6%
GST Compliance Rate: 66.3%
Business Vintage: 13.2 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.54
DSCR: 1.64
Current Ratio: 1.73
ICR (EBIT): 5.15
ICR (EBITDA): 3.65
TOL/TNW: 1.39
Bureau Score: 763
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹2,451,743
Credit Utilisation: 85.5%
GST Compliance Rate: 99.6%
Business Vintage: 11.5 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: 0.16
DSCR: 1.74
Current Ratio: 2.48
ICR (EBIT): 5.24
ICR (EBITDA): 6.58
TOL/TNW: 0.58
Bureau Score: 861
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹2,261,754
Credit Utilisation: 9.5%
GST Compliance Rate: 95.2%
Business Vintage: 13.0 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: 0.55
DSCR: 2.24
Current Ratio: 6.35
ICR (EBIT): 5.84
ICR (EBITDA): 3.12
TOL/TNW: 1.32
Bureau Score: 827
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,927,121
Credit Utilisation: 72.4%
GST Compliance Rate: 97.2%
Business Vintage: 6.1 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.55
DSCR: 0.82
Current Ratio: 3.26
ICR (EBIT): 1.80
ICR (EBITDA): 6.76
TOL/TNW: 4.41
Bureau Score: 341
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹3,938,305
Credit Utilisation: 88.2%
GST Compliance Rate: 71.7%
Business Vintage: 8.8 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: 5.06
DSCR: 2.23
Current Ratio: 1.06
ICR (EBIT): 1.55
ICR (EBITDA): 5.15
TOL/TNW: 2.47
Bureau Score: 606
Number of Loans: 2
DPD 12 Months: 37
Average Monthly Balance: ₹1,194,042
Credit Utilisation: 42.6%
GST Compliance Rate: 79.9%
Business Vintage: 7.8 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: 0.78
DSCR: 2.30
Current Ratio: 5.51
ICR (EBIT): 3.88
ICR (EBITDA): 1.25
TOL/TNW: 1.37
Bureau Score: 816
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,938,054
Credit Utilisation: 32.1%
GST Compliance Rate: 94.7%
Business Vintage: 18.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.66
DSCR: 1.73
Current Ratio: 2.73
ICR (EBIT): 5.10
ICR (EBITDA): 0.97
TOL/TNW: 1.93
Bureau Score: 851
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹2,499,266
Credit Utilisation: 86.3%
GST Compliance Rate: 92.3%
Business Vintage: 2.5 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: 0.38
DSCR: 1.74
Current Ratio: 2.08
ICR (EBIT): 3.09
ICR (EBITDA): 2.94
TOL/TNW: 1.42
Bureau Score: 705
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹4,785,997
Credit Utilisation: 29.5%
GST Compliance Rate: 82.9%
Business Vintage: 3.5 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: 0.54
DSCR: 2.29
Current Ratio: 5.42
ICR (EBIT): 2.81
ICR (EBITDA): 2.05
TOL/TNW: 5.54
Bureau Score: 615
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹885,590
Credit Utilisation: 72.3%
GST Compliance Rate: 63.0%
Business Vintage: 16.9 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: 0.24
DSCR: 2.69
Current Ratio: 3.15
ICR (EBIT): 4.83
ICR (EBITDA): 3.97
TOL/TNW: 1.31
Bureau Score: 780
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,025,332
Credit Utilisation: 28.9%
GST Compliance Rate: 87.6%
Business Vintage: 12.6 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: 0.98
DSCR: 2.39
Current Ratio: 7.84
ICR (EBIT): 1.53
ICR (EBITDA): 4.64
TOL/TNW: 3.99
Bureau Score: 771
Number of Loans: 6
DPD 12 Months: 74
Average Monthly Balance: ₹3,971,919
Credit Utilisation: 18.7%
GST Compliance Rate: 91.0%
Business Vintage: 2.5 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: 1.01
DSCR: 2.68
Current Ratio: 6.08
ICR (EBIT): 5.60
ICR (EBITDA): 0.86
TOL/TNW: 0.71
Bureau Score: 790
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,889,400
Credit Utilisation: 76.5%
GST Compliance Rate: 87.4%
Business Vintage: 7.2 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: 2.30
DSCR: 2.13
Current Ratio: 7.33
ICR (EBIT): 2.07
ICR (EBITDA): 6.16
TOL/TNW: 3.23
Bureau Score: 671
Number of Loans: 3
DPD 12 Months: 75
Average Monthly Balance: ₹3,873,530
Credit Utilisation: 3.3%
GST Compliance Rate: 97.3%
Business Vintage: 6.2 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: 0.32
DSCR: 2.28
Current Ratio: 1.33
ICR (EBIT): 0.58
ICR (EBITDA): 2.36
TOL/TNW: 3.66
Bureau Score: 898
Number of Loans: 0
DPD 12 Months: 4
Average Monthly Balance: ₹562,476
Credit Utilisation: 15.7%
GST Compliance Rate: 66.2%
Business Vintage: 10.9 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: 5.74
DSCR: 2.87
Current Ratio: 1.21
ICR (EBIT): 2.32
ICR (EBITDA): 3.47
TOL/TNW: 0.44
Bureau Score: 557
Number of Loans: 7
DPD 12 Months: 34
Average Monthly Balance: ₹1,279,081
Credit Utilisation: 40.0%
GST Compliance Rate: 66.8%
Business Vintage: 9.3 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: 0.14
DSCR: 2.84
Current Ratio: 6.73
ICR (EBIT): 4.29
ICR (EBITDA): 2.86
TOL/TNW: 5.91
Bureau Score: 306
Number of Loans: 2
DPD 12 Months: 20
Average Monthly Balance: ₹3,482,483
Credit Utilisation: 14.9%
GST Compliance Rate: 50.7%
Business Vintage: 19.0 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.24
DSCR: 2.31
Current Ratio: 4.16
ICR (EBIT): 5.86
ICR (EBITDA): 1.51
TOL/TNW: 0.47
Bureau Score: 885
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹4,721,812
Credit Utilisation: 74.3%
GST Compliance Rate: 94.0%
Business Vintage: 9.7 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: 0.86
DSCR: 2.16
Current Ratio: 6.82
ICR (EBIT): 5.46
ICR (EBITDA): 6.71
TOL/TNW: 1.66
Bureau Score: 832
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,927,767
Credit Utilisation: 94.7%
GST Compliance Rate: 88.0%
Business Vintage: 20.8 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: 1.92
DSCR: 2.45
Current Ratio: 5.51
ICR (EBIT): 5.84
ICR (EBITDA): 6.52
TOL/TNW: 1.08
Bureau Score: 837
Number of Loans: 0
DPD 12 Months: 43
Average Monthly Balance: ₹2,114,329
Credit Utilisation: 25.8%
GST Compliance Rate: 85.7%
Business Vintage: 7.2 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: 0.40
DSCR: 2.43
Current Ratio: 4.84
ICR (EBIT): 3.42
ICR (EBITDA): 2.50
TOL/TNW: 1.37
Bureau Score: 728
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,546,965
Credit Utilisation: 84.8%
GST Compliance Rate: 91.2%
Business Vintage: 2.5 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: 5.98
DSCR: 1.25
Current Ratio: 1.41
ICR (EBIT): 1.95
ICR (EBITDA): 5.79
TOL/TNW: 2.79
Bureau Score: 862
Number of Loans: 0
DPD 12 Months: 73
Average Monthly Balance: ₹2,316,113
Credit Utilisation: 9.8%
GST Compliance Rate: 78.4%
Business Vintage: 7.6 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: 0.17
DSCR: 1.57
Current Ratio: 0.57
ICR (EBIT): 5.00
ICR (EBITDA): 2.94
TOL/TNW: 1.06
Bureau Score: 635
Number of Loans: 0
DPD 12 Months: 45
Average Monthly Balance: ₹3,776,056
Credit Utilisation: 5.4%
GST Compliance Rate: 73.1%
Business Vintage: 5.7 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: 0.96
DSCR: 2.81
Current Ratio: 7.18
ICR (EBIT): 5.72
ICR (EBITDA): 0.97
TOL/TNW: 1.80
Bureau Score: 797
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹315,630
Credit Utilisation: 78.1%
GST Compliance Rate: 85.4%
Business Vintage: 17.7 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: 0.54
Current Ratio: 5.64
ICR (EBIT): 3.74
ICR (EBITDA): 4.53
TOL/TNW: 4.32
Bureau Score: 391
Number of Loans: 9
DPD 12 Months: 61
Average Monthly Balance: ₹4,752,257
Credit Utilisation: 24.4%
GST Compliance Rate: 55.5%
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: 0.99
DSCR: 2.70
Current Ratio: 1.57
ICR (EBIT): 3.70
ICR (EBITDA): 2.53
TOL/TNW: 1.05
Bureau Score: 759
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,419,322
Credit Utilisation: 0.9%
GST Compliance Rate: 87.4%
Business Vintage: 15.5 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: 4.97
DSCR: 2.25
Current Ratio: 1.82
ICR (EBIT): 4.89
ICR (EBITDA): 6.72
TOL/TNW: 5.97
Bureau Score: 647
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,485,970
Credit Utilisation: 0.5%
GST Compliance Rate: 88.1%
Business Vintage: 9.8 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: 1.46
DSCR: 2.53
Current Ratio: 2.88
ICR (EBIT): 3.50
ICR (EBITDA): 3.91
TOL/TNW: 0.78
Bureau Score: 845
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,089,793
Credit Utilisation: 95.2%
GST Compliance Rate: 95.2%
Business Vintage: 3.7 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: 3.01
DSCR: 2.93
Current Ratio: 4.20
ICR (EBIT): 2.97
ICR (EBITDA): 4.73
TOL/TNW: 5.75
Bureau Score: 865
Number of Loans: 10
DPD 12 Months: 43
Average Monthly Balance: ₹4,065,931
Credit Utilisation: 35.5%
GST Compliance Rate: 59.7%
Business Vintage: 12.7 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: 0.50
DSCR: 2.99
Current Ratio: 4.74
ICR (EBIT): 5.94
ICR (EBITDA): 4.93
TOL/TNW: 1.95
Bureau Score: 752
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹3,911,186
Credit Utilisation: 49.2%
GST Compliance Rate: 97.8%
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: 5.61
DSCR: 0.65
Current Ratio: 7.18
ICR (EBIT): 1.62
ICR (EBITDA): 2.94
TOL/TNW: 5.51
Bureau Score: 359
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,310,713
Credit Utilisation: 34.5%
GST Compliance Rate: 50.7%
Business Vintage: 23.1 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: 1.25
DSCR: 1.82
Current Ratio: 2.75
ICR (EBIT): 4.26
ICR (EBITDA): 2.22
TOL/TNW: 0.25
Bureau Score: 891
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹4,802,325
Credit Utilisation: 63.5%
GST Compliance Rate: 86.7%
Business Vintage: 3.5 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: 0.70
DSCR: 2.57
Current Ratio: 3.89
ICR (EBIT): 5.02
ICR (EBITDA): 5.95
TOL/TNW: 1.80
Bureau Score: 745
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,601,247
Credit Utilisation: 66.5%
GST Compliance Rate: 96.0%
Business Vintage: 3.3 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.95
DSCR: 1.99
Current Ratio: 7.66
ICR (EBIT): 1.26
ICR (EBITDA): 6.05
TOL/TNW: 2.63
Bureau Score: 755
Number of Loans: 4
DPD 12 Months: 85
Average Monthly Balance: ₹1,989,617
Credit Utilisation: 84.5%
GST Compliance Rate: 98.7%
Business Vintage: 16.4 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: 3.80
DSCR: 2.77
Current Ratio: 7.76
ICR (EBIT): 2.38
ICR (EBITDA): 4.13
TOL/TNW: 3.06
Bureau Score: 475
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,314,638
Credit Utilisation: 13.8%
GST Compliance Rate: 57.6%
Business Vintage: 8.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.17
DSCR: 2.03
Current Ratio: 7.51
ICR (EBIT): 5.87
ICR (EBITDA): 1.76
TOL/TNW: 0.68
Bureau Score: 754
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹986,004
Credit Utilisation: 81.7%
GST Compliance Rate: 95.2%
Business Vintage: 7.8 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.63
DSCR: 1.16
Current Ratio: 6.64
ICR (EBIT): 2.62
ICR (EBITDA): 2.11
TOL/TNW: 0.96
Bureau Score: 609
Number of Loans: 5
DPD 12 Months: 78
Average Monthly Balance: ₹2,342,262
Credit Utilisation: 42.5%
GST Compliance Rate: 91.0%
Business Vintage: 19.9 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: 1.28
DSCR: 2.45
Current Ratio: 4.73
ICR (EBIT): 4.71
ICR (EBITDA): 2.30
TOL/TNW: 0.88
Bureau Score: 831
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹4,708,038
Credit Utilisation: 22.9%
GST Compliance Rate: 90.2%
Business Vintage: 13.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.62
DSCR: 2.49
Current Ratio: 1.71
ICR (EBIT): 5.14
ICR (EBITDA): 4.99
TOL/TNW: 1.63
Bureau Score: 725
Number of Loans: 1
DPD 12 Months: 32
Average Monthly Balance: ₹2,660,798
Credit Utilisation: 30.2%
GST Compliance Rate: 73.8%
Business Vintage: 11.2 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.01
DSCR: 2.82
Current Ratio: 1.96
ICR (EBIT): 3.07
ICR (EBITDA): 6.87
TOL/TNW: 1.56
Bureau Score: 825
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,968,378
Credit Utilisation: 36.0%
GST Compliance Rate: 91.0%
Business Vintage: 18.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.55
DSCR: 2.45
Current Ratio: 6.42
ICR (EBIT): 1.73
ICR (EBITDA): 1.17
TOL/TNW: 3.71
Bureau Score: 878
Number of Loans: 9
DPD 12 Months: 41
Average Monthly Balance: ₹2,461,551
Credit Utilisation: 77.1%
GST Compliance Rate: 79.2%
Business Vintage: 3.7 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.45
DSCR: 2.13
Current Ratio: 1.93
ICR (EBIT): 3.97
ICR (EBITDA): 4.94
TOL/TNW: 1.00
Bureau Score: 844
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹3,351,848
Credit Utilisation: 50.1%
GST Compliance Rate: 82.7%
Business Vintage: 7.1 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.78
DSCR: 2.91
Current Ratio: 1.26
ICR (EBIT): 1.39
ICR (EBITDA): 3.69
TOL/TNW: 4.57
Bureau Score: 463
Number of Loans: 1
DPD 12 Months: 108
Average Monthly Balance: ₹2,831,699
Credit Utilisation: 55.5%
GST Compliance Rate: 93.0%
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: 0.80
DSCR: 2.88
Current Ratio: 4.14
ICR (EBIT): 3.82
ICR (EBITDA): 6.30
TOL/TNW: 1.91
Bureau Score: 709
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹486,735
Credit Utilisation: 74.6%
GST Compliance Rate: 91.5%
Business Vintage: 14.7 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: 0.16
DSCR: 2.06
Current Ratio: 2.95
ICR (EBIT): 4.89
ICR (EBITDA): 6.94
TOL/TNW: 0.35
Bureau Score: 896
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹4,648,421
Credit Utilisation: 70.6%
GST Compliance Rate: 83.6%
Business Vintage: 23.4 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: 0.72
DSCR: 2.53
Current Ratio: 7.85
ICR (EBIT): 4.50
ICR (EBITDA): 1.05
TOL/TNW: 0.59
Bureau Score: 735
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹2,438,980
Credit Utilisation: 34.5%
GST Compliance Rate: 94.3%
Business Vintage: 7.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.65
DSCR: 1.90
Current Ratio: 6.26
ICR (EBIT): 3.95
ICR (EBITDA): 5.76
TOL/TNW: 3.20
Bureau Score: 699
Number of Loans: 6
DPD 12 Months: 27
Average Monthly Balance: ₹3,073,548
Credit Utilisation: 25.3%
GST Compliance Rate: 69.4%
Business Vintage: 13.1 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: 4.78
DSCR: 2.57
Current Ratio: 3.48
ICR (EBIT): 2.54
ICR (EBITDA): 0.75
TOL/TNW: 0.15
Bureau Score: 379
Number of Loans: 5
DPD 12 Months: 113
Average Monthly Balance: ₹2,010,057
Credit Utilisation: 1.0%
GST Compliance Rate: 90.7%
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: 1.13
DSCR: 1.66
Current Ratio: 3.87
ICR (EBIT): 5.79
ICR (EBITDA): 5.94
TOL/TNW: 0.98
Bureau Score: 783
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹596,850
Credit Utilisation: 48.1%
GST Compliance Rate: 97.6%
Business Vintage: 13.8 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.92
DSCR: 2.29
Current Ratio: 1.53
ICR (EBIT): 5.96
ICR (EBITDA): 3.21
TOL/TNW: 1.93
Bureau Score: 866
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,139,200
Credit Utilisation: 33.6%
GST Compliance Rate: 82.8%
Business Vintage: 13.0 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.40
DSCR: 0.92
Current Ratio: 7.19
ICR (EBIT): 5.58
ICR (EBITDA): 1.75
TOL/TNW: 4.97
Bureau Score: 832
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹2,117,153
Credit Utilisation: 93.1%
GST Compliance Rate: 74.8%
Business Vintage: 16.6 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: 1.10
DSCR: 1.77
Current Ratio: 1.49
ICR (EBIT): 3.41
ICR (EBITDA): 2.77
TOL/TNW: 0.80
Bureau Score: 890
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹2,681,911
Credit Utilisation: 18.1%
GST Compliance Rate: 88.8%
Business Vintage: 15.5 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: 0.45
DSCR: 2.06
Current Ratio: 4.53
ICR (EBIT): 3.61
ICR (EBITDA): 0.81
TOL/TNW: 1.36
Bureau Score: 770
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹406,581
Credit Utilisation: 51.1%
GST Compliance Rate: 90.4%
Business Vintage: 20.8 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: 4.98
DSCR: 0.88
Current Ratio: 3.96
ICR (EBIT): 4.14
ICR (EBITDA): 5.24
TOL/TNW: 4.79
Bureau Score: 689
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,827,670
Credit Utilisation: 20.2%
GST Compliance Rate: 86.5%
Business Vintage: 24.7 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: 0.32
DSCR: 2.52
Current Ratio: 1.70
ICR (EBIT): 5.38
ICR (EBITDA): 3.49
TOL/TNW: 1.40
Bureau Score: 777
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹3,975,018
Credit Utilisation: 99.5%
GST Compliance Rate: 99.2%
Business Vintage: 9.3 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.82
DSCR: 1.48
Current Ratio: 4.31
ICR (EBIT): 2.69
ICR (EBITDA): 6.46
TOL/TNW: 4.47
Bureau Score: 853
Number of Loans: 4
DPD 12 Months: 78
Average Monthly Balance: ₹1,940,728
Credit Utilisation: 45.7%
GST Compliance Rate: 92.1%
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: 5.99
DSCR: 0.56
Current Ratio: 4.10
ICR (EBIT): 2.47
ICR (EBITDA): 3.66
TOL/TNW: 2.35
Bureau Score: 520
Number of Loans: 7
DPD 12 Months: 106
Average Monthly Balance: ₹552,649
Credit Utilisation: 16.4%
GST Compliance Rate: 70.4%
Business Vintage: 14.5 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: 0.37
DSCR: 2.25
Current Ratio: 7.61
ICR (EBIT): 5.40
ICR (EBITDA): 3.97
TOL/TNW: 1.42
Bureau Score: 619
Number of Loans: 3
DPD 12 Months: 3
Average Monthly Balance: ₹1,864,076
Credit Utilisation: 65.4%
GST Compliance Rate: 99.8%
Business Vintage: 23.9 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: 1.08
DSCR: 1.57
Current Ratio: 1.47
ICR (EBIT): 4.29
ICR (EBITDA): 0.72
TOL/TNW: 1.76
Bureau Score: 724
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,801,935
Credit Utilisation: 81.3%
GST Compliance Rate: 90.0%
Business Vintage: 12.6 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: 1.03
DSCR: 2.40
Current Ratio: 2.46
ICR (EBIT): 2.98
ICR (EBITDA): 3.15
TOL/TNW: 3.71
Bureau Score: 868
Number of Loans: 6
DPD 12 Months: 35
Average Monthly Balance: ₹1,257,387
Credit Utilisation: 59.0%
GST Compliance Rate: 95.8%
Business Vintage: 23.8 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: 1.13
DSCR: 2.55
Current Ratio: 4.10
ICR (EBIT): 4.19
ICR (EBITDA): 0.66
TOL/TNW: 0.37
Bureau Score: 724
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹1,436,408
Credit Utilisation: 45.1%
GST Compliance Rate: 80.9%
Business Vintage: 5.3 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: 3.30
DSCR: 2.47
Current Ratio: 0.55
ICR (EBIT): 2.73
ICR (EBITDA): 1.80
TOL/TNW: 2.27
Bureau Score: 593
Number of Loans: 7
DPD 12 Months: 93
Average Monthly Balance: ₹1,545,523
Credit Utilisation: 27.5%
GST Compliance Rate: 91.4%
Business Vintage: 2.2 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: 3.09
DSCR: 2.96
Current Ratio: 0.66
ICR (EBIT): 1.35
ICR (EBITDA): 3.74
TOL/TNW: 2.67
Bureau Score: 806
Number of Loans: 9
DPD 12 Months: 11
Average Monthly Balance: ₹3,446,448
Credit Utilisation: 44.3%
GST Compliance Rate: 82.2%
Business Vintage: 24.4 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: 4.84
DSCR: 2.52
Current Ratio: 3.33
ICR (EBIT): 4.49
ICR (EBITDA): 1.74
TOL/TNW: 2.61
Bureau Score: 727
Number of Loans: 7
DPD 12 Months: 108
Average Monthly Balance: ₹2,731,772
Credit Utilisation: 35.4%
GST Compliance Rate: 65.9%
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: 3.32
DSCR: 2.58
Current Ratio: 3.64
ICR (EBIT): 4.58
ICR (EBITDA): 6.39
TOL/TNW: 4.17
Bureau Score: 333
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,534,946
Credit Utilisation: 29.9%
GST Compliance Rate: 71.8%
Business Vintage: 16.9 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: 3.08
DSCR: 2.21
Current Ratio: 3.93
ICR (EBIT): 2.30
ICR (EBITDA): 4.36
TOL/TNW: 1.61
Bureau Score: 698
Number of Loans: 8
DPD 12 Months: 57
Average Monthly Balance: ₹4,794,900
Credit Utilisation: 73.7%
GST Compliance Rate: 92.8%
Business Vintage: 22.3 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: 4.69
DSCR: 1.60
Current Ratio: 4.65
ICR (EBIT): 0.87
ICR (EBITDA): 5.11
TOL/TNW: 4.84
Bureau Score: 473
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹1,314,391
Credit Utilisation: 54.7%
GST Compliance Rate: 52.3%
Business Vintage: 9.4 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: 1.70
DSCR: 1.24
Current Ratio: 1.92
ICR (EBIT): 2.40
ICR (EBITDA): 1.97
TOL/TNW: 4.70
Bureau Score: 435
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹1,769,632
Credit Utilisation: 17.1%
GST Compliance Rate: 73.3%
Business Vintage: 8.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.38
DSCR: 2.15
Current Ratio: 2.76
ICR (EBIT): 3.40
ICR (EBITDA): 6.46
TOL/TNW: 1.12
Bureau Score: 865
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,609,586
Credit Utilisation: 26.3%
GST Compliance Rate: 89.5%
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: 5.60
DSCR: 0.71
Current Ratio: 3.10
ICR (EBIT): 1.04
ICR (EBITDA): 5.40
TOL/TNW: 2.93
Bureau Score: 377
Number of Loans: 9
DPD 12 Months: 119
Average Monthly Balance: ₹3,114,406
Credit Utilisation: 61.3%
GST Compliance Rate: 84.6%
Business Vintage: 1.5 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: 6.00
DSCR: 0.48
Current Ratio: 1.64
ICR (EBIT): 2.78
ICR (EBITDA): 1.77
TOL/TNW: 4.50
Bureau Score: 868
Number of Loans: 1
DPD 12 Months: 48
Average Monthly Balance: ₹360,767
Credit Utilisation: 39.5%
GST Compliance Rate: 54.5%
Business Vintage: 20.2 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: 2.54
Current Ratio: 2.86
ICR (EBIT): 1.83
ICR (EBITDA): 1.85
TOL/TNW: 2.75
Bureau Score: 694
Number of Loans: 7
DPD 12 Months: 84
Average Monthly Balance: ₹4,176,085
Credit Utilisation: 84.6%
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: 0.33
DSCR: 3.00
Current Ratio: 7.39
ICR (EBIT): 5.24
ICR (EBITDA): 4.79
TOL/TNW: 1.62
Bureau Score: 785
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,699,498
Credit Utilisation: 32.7%
GST Compliance Rate: 99.0%
Business Vintage: 4.2 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: 0.59
DSCR: 1.39
Current Ratio: 2.14
ICR (EBIT): 0.82
ICR (EBITDA): 3.60
TOL/TNW: 0.14
Bureau Score: 626
Number of Loans: 2
DPD 12 Months: 52
Average Monthly Balance: ₹2,139,827
Credit Utilisation: 32.8%
GST Compliance Rate: 86.8%
Business Vintage: 7.0 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: 1.44
DSCR: 2.13
Current Ratio: 2.79
ICR (EBIT): 3.24
ICR (EBITDA): 3.24
TOL/TNW: 1.13
Bureau Score: 770
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹4,682,588
Credit Utilisation: 15.1%
GST Compliance Rate: 84.5%
Business Vintage: 16.3 years

[Assistant] Healthy