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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.81
DSCR: 1.65
Current Ratio: 0.65
ICR (EBIT): 1.34
ICR (EBITDA): 5.87
TOL/TNW: 2.55
Bureau Score: 586
Number of Loans: 6
DPD 12 Months: 94
Average Monthly Balance: ₹697,923
Credit Utilisation: 73.5%
GST Compliance Rate: 80.0%
Business Vintage: 19.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.35
DSCR: 2.99
Current Ratio: 7.13
ICR (EBIT): 3.72
ICR (EBITDA): 4.26
TOL/TNW: 0.93
Bureau Score: 788
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,763,129
Credit Utilisation: 18.2%
GST Compliance Rate: 90.5%
Business Vintage: 10.4 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: 0.26
DSCR: 1.54
Current Ratio: 5.37
ICR (EBIT): 3.43
ICR (EBITDA): 1.00
TOL/TNW: 0.39
Bureau Score: 746
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,605,499
Credit Utilisation: 38.0%
GST Compliance Rate: 80.8%
Business Vintage: 20.2 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.52
DSCR: 1.05
Current Ratio: 6.24
ICR (EBIT): 4.35
ICR (EBITDA): 0.68
TOL/TNW: 3.45
Bureau Score: 745
Number of Loans: 7
DPD 12 Months: 117
Average Monthly Balance: ₹3,516,797
Credit Utilisation: 5.5%
GST Compliance Rate: 65.6%
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: 4.52
DSCR: 0.43
Current Ratio: 4.96
ICR (EBIT): 3.58
ICR (EBITDA): 1.55
TOL/TNW: 5.38
Bureau Score: 577
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹4,209,442
Credit Utilisation: 28.3%
GST Compliance Rate: 89.2%
Business Vintage: 7.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.26
DSCR: 2.74
Current Ratio: 6.29
ICR (EBIT): 4.18
ICR (EBITDA): 1.71
TOL/TNW: 0.57
Bureau Score: 802
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,242,262
Credit Utilisation: 30.6%
GST Compliance Rate: 85.3%
Business Vintage: 12.5 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: 3.55
DSCR: 1.88
Current Ratio: 2.48
ICR (EBIT): 3.43
ICR (EBITDA): 2.65
TOL/TNW: 2.36
Bureau Score: 868
Number of Loans: 0
DPD 12 Months: 5
Average Monthly Balance: ₹3,115,457
Credit Utilisation: 3.6%
GST Compliance Rate: 72.0%
Business Vintage: 13.8 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: 0.57
DSCR: 1.95
Current Ratio: 5.27
ICR (EBIT): 5.11
ICR (EBITDA): 3.32
TOL/TNW: 0.95
Bureau Score: 832
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,637,892
Credit Utilisation: 95.6%
GST Compliance Rate: 84.0%
Business Vintage: 15.0 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: 0.11
DSCR: 2.79
Current Ratio: 7.24
ICR (EBIT): 1.36
ICR (EBITDA): 3.29
TOL/TNW: 4.38
Bureau Score: 600
Number of Loans: 6
DPD 12 Months: 10
Average Monthly Balance: ₹4,606,763
Credit Utilisation: 61.2%
GST Compliance Rate: 74.0%
Business Vintage: 14.9 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: 0.47
DSCR: 1.76
Current Ratio: 1.36
ICR (EBIT): 4.87
ICR (EBITDA): 1.17
TOL/TNW: 0.30
Bureau Score: 754
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,998,370
Credit Utilisation: 64.1%
GST Compliance Rate: 92.4%
Business Vintage: 21.7 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.17
DSCR: 2.57
Current Ratio: 4.60
ICR (EBIT): 3.75
ICR (EBITDA): 1.53
TOL/TNW: 5.76
Bureau Score: 389
Number of Loans: 1
DPD 12 Months: 48
Average Monthly Balance: ₹3,113,961
Credit Utilisation: 15.7%
GST Compliance Rate: 85.0%
Business Vintage: 21.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.67
DSCR: 2.42
Current Ratio: 3.15
ICR (EBIT): 2.99
ICR (EBITDA): 0.95
TOL/TNW: 4.29
Bureau Score: 590
Number of Loans: 7
DPD 12 Months: 77
Average Monthly Balance: ₹2,282,358
Credit Utilisation: 41.5%
GST Compliance Rate: 62.8%
Business Vintage: 2.6 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: 4.87
DSCR: 2.91
Current Ratio: 2.57
ICR (EBIT): 3.51
ICR (EBITDA): 2.91
TOL/TNW: 2.44
Bureau Score: 746
Number of Loans: 3
DPD 12 Months: 73
Average Monthly Balance: ₹3,794,800
Credit Utilisation: 13.0%
GST Compliance Rate: 73.7%
Business Vintage: 11.4 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: 2.57
DSCR: 1.34
Current Ratio: 6.18
ICR (EBIT): 2.35
ICR (EBITDA): 2.63
TOL/TNW: 3.94
Bureau Score: 765
Number of Loans: 9
DPD 12 Months: 90
Average Monthly Balance: ₹2,378,680
Credit Utilisation: 88.3%
GST Compliance Rate: 99.0%
Business Vintage: 10.3 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: 0.71
DSCR: 2.34
Current Ratio: 4.71
ICR (EBIT): 5.01
ICR (EBITDA): 6.58
TOL/TNW: 0.58
Bureau Score: 733
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹3,122,559
Credit Utilisation: 73.1%
GST Compliance Rate: 88.0%
Business Vintage: 16.6 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.68
DSCR: 2.76
Current Ratio: 0.75
ICR (EBIT): 3.71
ICR (EBITDA): 1.64
TOL/TNW: 2.97
Bureau Score: 781
Number of Loans: 5
DPD 12 Months: 40
Average Monthly Balance: ₹4,619,283
Credit Utilisation: 44.6%
GST Compliance Rate: 73.6%
Business Vintage: 13.7 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: 0.72
DSCR: 1.77
Current Ratio: 5.67
ICR (EBIT): 3.64
ICR (EBITDA): 2.40
TOL/TNW: 1.59
Bureau Score: 744
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,894,585
Credit Utilisation: 31.1%
GST Compliance Rate: 89.3%
Business Vintage: 5.0 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: 5.59
DSCR: 2.05
Current Ratio: 1.08
ICR (EBIT): 5.60
ICR (EBITDA): 2.93
TOL/TNW: 3.79
Bureau Score: 722
Number of Loans: 3
DPD 12 Months: 8
Average Monthly Balance: ₹4,834,943
Credit Utilisation: 68.4%
GST Compliance Rate: 76.7%
Business Vintage: 6.7 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.70
DSCR: 2.62
Current Ratio: 2.18
ICR (EBIT): 4.28
ICR (EBITDA): 3.64
TOL/TNW: 0.74
Bureau Score: 880
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,560,292
Credit Utilisation: 41.5%
GST Compliance Rate: 86.8%
Business Vintage: 11.6 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: 2.88
DSCR: 2.09
Current Ratio: 6.70
ICR (EBIT): 5.42
ICR (EBITDA): 0.94
TOL/TNW: 2.87
Bureau Score: 840
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹4,785,813
Credit Utilisation: 96.5%
GST Compliance Rate: 95.8%
Business Vintage: 10.3 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: 3.02
DSCR: 0.80
Current Ratio: 6.59
ICR (EBIT): 1.63
ICR (EBITDA): 5.49
TOL/TNW: 4.74
Bureau Score: 577
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹1,690,731
Credit Utilisation: 13.3%
GST Compliance Rate: 95.2%
Business Vintage: 24.3 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: 0.59
DSCR: 2.47
Current Ratio: 5.84
ICR (EBIT): 3.75
ICR (EBITDA): 6.63
TOL/TNW: 2.67
Bureau Score: 653
Number of Loans: 6
DPD 12 Months: 42
Average Monthly Balance: ₹211,254
Credit Utilisation: 69.6%
GST Compliance Rate: 64.6%
Business Vintage: 22.5 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: 1.38
DSCR: 2.90
Current Ratio: 6.53
ICR (EBIT): 4.11
ICR (EBITDA): 4.23
TOL/TNW: 0.22
Bureau Score: 832
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹2,559,834
Credit Utilisation: 7.0%
GST Compliance Rate: 80.1%
Business Vintage: 21.6 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: 1.67
DSCR: 1.58
Current Ratio: 7.10
ICR (EBIT): 4.66
ICR (EBITDA): 4.84
TOL/TNW: 4.65
Bureau Score: 622
Number of Loans: 1
DPD 12 Months: 7
Average Monthly Balance: ₹4,180,700
Credit Utilisation: 19.2%
GST Compliance Rate: 67.1%
Business Vintage: 18.6 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: 0.54
DSCR: 2.86
Current Ratio: 6.44
ICR (EBIT): 5.36
ICR (EBITDA): 2.47
TOL/TNW: 1.18
Bureau Score: 867
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹52,993
Credit Utilisation: 19.8%
GST Compliance Rate: 80.8%
Business Vintage: 14.5 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: 0.98
DSCR: 1.92
Current Ratio: 7.00
ICR (EBIT): 5.96
ICR (EBITDA): 3.25
TOL/TNW: 0.41
Bureau Score: 883
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹778,303
Credit Utilisation: 24.9%
GST Compliance Rate: 84.4%
Business Vintage: 8.2 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.71
DSCR: 1.58
Current Ratio: 7.01
ICR (EBIT): 4.82
ICR (EBITDA): 2.92
TOL/TNW: 2.41
Bureau Score: 620
Number of Loans: 0
DPD 12 Months: 38
Average Monthly Balance: ₹3,458,240
Credit Utilisation: 72.5%
GST Compliance Rate: 90.5%
Business Vintage: 11.3 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: 0.30
DSCR: 1.99
Current Ratio: 3.51
ICR (EBIT): 2.99
ICR (EBITDA): 1.28
TOL/TNW: 0.20
Bureau Score: 826
Number of Loans: 2
DPD 12 Months: 22
Average Monthly Balance: ₹3,420,648
Credit Utilisation: 35.0%
GST Compliance Rate: 65.5%
Business Vintage: 4.1 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: 0.68
DSCR: 1.76
Current Ratio: 6.39
ICR (EBIT): 4.01
ICR (EBITDA): 2.63
TOL/TNW: 1.33
Bureau Score: 730
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,284,807
Credit Utilisation: 70.1%
GST Compliance Rate: 80.2%
Business Vintage: 21.7 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.38
DSCR: 1.98
Current Ratio: 6.97
ICR (EBIT): 3.13
ICR (EBITDA): 2.01
TOL/TNW: 1.31
Bureau Score: 714
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,897,837
Credit Utilisation: 77.9%
GST Compliance Rate: 99.6%
Business Vintage: 13.6 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: 0.72
DSCR: 2.73
Current Ratio: 1.91
ICR (EBIT): 2.23
ICR (EBITDA): 1.19
TOL/TNW: 2.76
Bureau Score: 830
Number of Loans: 9
DPD 12 Months: 68
Average Monthly Balance: ₹3,132,602
Credit Utilisation: 71.2%
GST Compliance Rate: 98.5%
Business Vintage: 15.8 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: 1.34
DSCR: 1.91
Current Ratio: 2.13
ICR (EBIT): 5.20
ICR (EBITDA): 5.48
TOL/TNW: 1.94
Bureau Score: 755
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹3,095,774
Credit Utilisation: 85.3%
GST Compliance Rate: 91.4%
Business Vintage: 18.6 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: 0.35
DSCR: 2.10
Current Ratio: 4.89
ICR (EBIT): 5.05
ICR (EBITDA): 2.25
TOL/TNW: 0.99
Bureau Score: 889
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹97,207
Credit Utilisation: 15.6%
GST Compliance Rate: 89.1%
Business Vintage: 8.4 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: 1.02
DSCR: 1.68
Current Ratio: 1.99
ICR (EBIT): 4.44
ICR (EBITDA): 0.90
TOL/TNW: 0.60
Bureau Score: 848
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹4,225,644
Credit Utilisation: 32.4%
GST Compliance Rate: 82.7%
Business Vintage: 21.1 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.96
DSCR: 1.91
Current Ratio: 2.50
ICR (EBIT): 1.10
ICR (EBITDA): 6.14
TOL/TNW: 3.82
Bureau Score: 701
Number of Loans: 6
DPD 12 Months: 77
Average Monthly Balance: ₹3,135,489
Credit Utilisation: 59.9%
GST Compliance Rate: 63.7%
Business Vintage: 2.4 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.69
DSCR: 1.17
Current Ratio: 7.72
ICR (EBIT): 0.56
ICR (EBITDA): 6.44
TOL/TNW: 2.90
Bureau Score: 809
Number of Loans: 1
DPD 12 Months: 68
Average Monthly Balance: ₹414,509
Credit Utilisation: 7.7%
GST Compliance Rate: 83.5%
Business Vintage: 20.3 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: 0.17
DSCR: 1.88
Current Ratio: 2.28
ICR (EBIT): 3.66
ICR (EBITDA): 3.85
TOL/TNW: 3.76
Bureau Score: 609
Number of Loans: 0
DPD 12 Months: 55
Average Monthly Balance: ₹2,353,484
Credit Utilisation: 41.5%
GST Compliance Rate: 92.6%
Business Vintage: 7.9 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.85
DSCR: 0.71
Current Ratio: 2.65
ICR (EBIT): 1.22
ICR (EBITDA): 4.69
TOL/TNW: 5.06
Bureau Score: 687
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,637,495
Credit Utilisation: 61.3%
GST Compliance Rate: 77.5%
Business Vintage: 4.7 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.39
DSCR: 2.57
Current Ratio: 1.93
ICR (EBIT): 3.60
ICR (EBITDA): 2.93
TOL/TNW: 0.68
Bureau Score: 698
Number of Loans: 9
DPD 12 Months: 54
Average Monthly Balance: ₹2,013,619
Credit Utilisation: 10.9%
GST Compliance Rate: 87.6%
Business Vintage: 21.0 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: 4.59
DSCR: 1.75
Current Ratio: 1.82
ICR (EBIT): 1.20
ICR (EBITDA): 6.23
TOL/TNW: 5.71
Bureau Score: 391
Number of Loans: 10
DPD 12 Months: 1
Average Monthly Balance: ₹1,947,855
Credit Utilisation: 23.7%
GST Compliance Rate: 94.1%
Business Vintage: 10.0 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: 0.46
DSCR: 0.35
Current Ratio: 0.75
ICR (EBIT): 4.35
ICR (EBITDA): 1.50
TOL/TNW: 1.18
Bureau Score: 754
Number of Loans: 7
DPD 12 Months: 115
Average Monthly Balance: ₹1,809,936
Credit Utilisation: 85.5%
GST Compliance Rate: 61.5%
Business Vintage: 22.1 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 2.21
DSCR: 2.98
Current Ratio: 1.11
ICR (EBIT): 5.27
ICR (EBITDA): 1.85
TOL/TNW: 0.57
Bureau Score: 646
Number of Loans: 3
DPD 12 Months: 27
Average Monthly Balance: ₹1,494,873
Credit Utilisation: 14.9%
GST Compliance Rate: 82.0%
Business Vintage: 17.6 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: 1.30
DSCR: 2.31
Current Ratio: 1.57
ICR (EBIT): 4.84
ICR (EBITDA): 5.83
TOL/TNW: 0.14
Bureau Score: 794
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,820,131
Credit Utilisation: 78.8%
GST Compliance Rate: 97.2%
Business Vintage: 19.6 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.46
DSCR: 2.45
Current Ratio: 1.95
ICR (EBIT): 3.30
ICR (EBITDA): 3.26
TOL/TNW: 0.47
Bureau Score: 894
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹1,848,076
Credit Utilisation: 87.9%
GST Compliance Rate: 91.3%
Business Vintage: 14.3 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.50
DSCR: 0.50
Current Ratio: 6.09
ICR (EBIT): 5.32
ICR (EBITDA): 5.00
TOL/TNW: 1.61
Bureau Score: 685
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹183,473
Credit Utilisation: 46.3%
GST Compliance Rate: 72.4%
Business Vintage: 15.0 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: 1.57
DSCR: 1.47
Current Ratio: 2.97
ICR (EBIT): 2.52
ICR (EBITDA): 1.20
TOL/TNW: 1.74
Bureau Score: 839
Number of Loans: 4
DPD 12 Months: 42
Average Monthly Balance: ₹3,246,287
Credit Utilisation: 65.0%
GST Compliance Rate: 61.7%
Business Vintage: 10.6 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.81
DSCR: 1.50
Current Ratio: 7.25
ICR (EBIT): 4.24
ICR (EBITDA): 0.64
TOL/TNW: 0.57
Bureau Score: 819
Number of Loans: 9
DPD 12 Months: 76
Average Monthly Balance: ₹2,940,005
Credit Utilisation: 77.5%
GST Compliance Rate: 51.2%
Business Vintage: 7.5 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: 0.63
DSCR: 2.72
Current Ratio: 6.06
ICR (EBIT): 4.46
ICR (EBITDA): 3.45
TOL/TNW: 1.47
Bureau Score: 734
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹4,797,379
Credit Utilisation: 45.6%
GST Compliance Rate: 99.3%
Business Vintage: 24.9 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: 1.11
DSCR: 2.40
Current Ratio: 4.81
ICR (EBIT): 5.00
ICR (EBITDA): 4.54
TOL/TNW: 0.24
Bureau Score: 805
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹3,744,038
Credit Utilisation: 23.8%
GST Compliance Rate: 98.1%
Business Vintage: 1.5 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.20
DSCR: 2.24
Current Ratio: 5.82
ICR (EBIT): 3.57
ICR (EBITDA): 5.26
TOL/TNW: 1.22
Bureau Score: 742
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹275,175
Credit Utilisation: 30.2%
GST Compliance Rate: 83.2%
Business Vintage: 5.7 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: 0.25
DSCR: 3.00
Current Ratio: 5.95
ICR (EBIT): 3.33
ICR (EBITDA): 6.36
TOL/TNW: 1.07
Bureau Score: 880
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹619,054
Credit Utilisation: 75.3%
GST Compliance Rate: 99.7%
Business Vintage: 4.6 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: 0.67
DSCR: 2.98
Current Ratio: 4.66
ICR (EBIT): 3.94
ICR (EBITDA): 1.85
TOL/TNW: 1.71
Bureau Score: 813
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,573,897
Credit Utilisation: 39.6%
GST Compliance Rate: 88.1%
Business Vintage: 5.0 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: 0.46
DSCR: 2.39
Current Ratio: 6.20
ICR (EBIT): 3.55
ICR (EBITDA): 4.29
TOL/TNW: 0.95
Bureau Score: 792
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹2,080,412
Credit Utilisation: 54.9%
GST Compliance Rate: 86.9%
Business Vintage: 16.8 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: 2.50
DSCR: 1.00
Current Ratio: 3.09
ICR (EBIT): 3.61
ICR (EBITDA): 5.55
TOL/TNW: 5.21
Bureau Score: 809
Number of Loans: 4
DPD 12 Months: 10
Average Monthly Balance: ₹2,618,484
Credit Utilisation: 59.2%
GST Compliance Rate: 63.4%
Business Vintage: 15.5 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: 3.81
DSCR: 1.75
Current Ratio: 5.36
ICR (EBIT): 2.65
ICR (EBITDA): 5.26
TOL/TNW: 4.21
Bureau Score: 535
Number of Loans: 8
DPD 12 Months: 70
Average Monthly Balance: ₹4,975,029
Credit Utilisation: 55.4%
GST Compliance Rate: 70.1%
Business Vintage: 9.7 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: 0.47
DSCR: 2.91
Current Ratio: 1.49
ICR (EBIT): 4.75
ICR (EBITDA): 2.96
TOL/TNW: 1.46
Bureau Score: 895
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹725,023
Credit Utilisation: 90.7%
GST Compliance Rate: 88.2%
Business Vintage: 18.3 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.49
DSCR: 2.26
Current Ratio: 7.47
ICR (EBIT): 4.91
ICR (EBITDA): 4.63
TOL/TNW: 1.33
Bureau Score: 597
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹2,199,185
Credit Utilisation: 2.0%
GST Compliance Rate: 95.1%
Business Vintage: 7.1 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: 5.43
DSCR: 2.79
Current Ratio: 4.92
ICR (EBIT): 5.93
ICR (EBITDA): 6.04
TOL/TNW: 1.33
Bureau Score: 869
Number of Loans: 5
DPD 12 Months: 88
Average Monthly Balance: ₹611,870
Credit Utilisation: 62.7%
GST Compliance Rate: 73.1%
Business Vintage: 2.4 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: 0.63
DSCR: 1.85
Current Ratio: 2.45
ICR (EBIT): 5.19
ICR (EBITDA): 2.06
TOL/TNW: 1.26
Bureau Score: 796
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹875,475
Credit Utilisation: 44.4%
GST Compliance Rate: 90.0%
Business Vintage: 14.5 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: 0.15
DSCR: 2.48
Current Ratio: 7.22
ICR (EBIT): 4.54
ICR (EBITDA): 3.31
TOL/TNW: 0.56
Bureau Score: 777
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,229,990
Credit Utilisation: 61.5%
GST Compliance Rate: 81.0%
Business Vintage: 19.7 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.38
DSCR: 2.06
Current Ratio: 5.63
ICR (EBIT): 4.16
ICR (EBITDA): 4.19
TOL/TNW: 2.25
Bureau Score: 380
Number of Loans: 7
DPD 12 Months: 52
Average Monthly Balance: ₹27,346
Credit Utilisation: 65.4%
GST Compliance Rate: 88.1%
Business Vintage: 10.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.08
DSCR: 1.16
Current Ratio: 3.51
ICR (EBIT): 2.04
ICR (EBITDA): 3.72
TOL/TNW: 0.75
Bureau Score: 725
Number of Loans: 8
DPD 12 Months: 39
Average Monthly Balance: ₹912,036
Credit Utilisation: 52.1%
GST Compliance Rate: 56.3%
Business Vintage: 4.9 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 2.87
DSCR: 2.66
Current Ratio: 3.41
ICR (EBIT): 0.68
ICR (EBITDA): 5.27
TOL/TNW: 0.39
Bureau Score: 789
Number of Loans: 3
DPD 12 Months: 1
Average Monthly Balance: ₹627,416
Credit Utilisation: 78.4%
GST Compliance Rate: 85.2%
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: 2.61
DSCR: 1.20
Current Ratio: 1.93
ICR (EBIT): 5.13
ICR (EBITDA): 0.52
TOL/TNW: 0.83
Bureau Score: 717
Number of Loans: 5
DPD 12 Months: 88
Average Monthly Balance: ₹650,136
Credit Utilisation: 71.7%
GST Compliance Rate: 61.9%
Business Vintage: 20.4 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.42
DSCR: 1.54
Current Ratio: 7.74
ICR (EBIT): 4.82
ICR (EBITDA): 3.27
TOL/TNW: 1.45
Bureau Score: 796
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹2,111,397
Credit Utilisation: 44.2%
GST Compliance Rate: 97.0%
Business Vintage: 18.2 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: 0.21
DSCR: 2.92
Current Ratio: 3.78
ICR (EBIT): 3.11
ICR (EBITDA): 2.42
TOL/TNW: 0.56
Bureau Score: 751
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹3,043,558
Credit Utilisation: 21.5%
GST Compliance Rate: 92.7%
Business Vintage: 9.4 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.23
DSCR: 1.65
Current Ratio: 2.07
ICR (EBIT): 2.23
ICR (EBITDA): 5.30
TOL/TNW: 2.90
Bureau Score: 865
Number of Loans: 10
DPD 12 Months: 82
Average Monthly Balance: ₹1,691,420
Credit Utilisation: 61.0%
GST Compliance Rate: 89.4%
Business Vintage: 1.7 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: 0.44
DSCR: 2.94
Current Ratio: 4.77
ICR (EBIT): 4.12
ICR (EBITDA): 3.69
TOL/TNW: 1.77
Bureau Score: 730
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,586,036
Credit Utilisation: 17.6%
GST Compliance Rate: 85.2%
Business Vintage: 22.1 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.42
DSCR: 2.70
Current Ratio: 4.51
ICR (EBIT): 2.61
ICR (EBITDA): 3.62
TOL/TNW: 1.25
Bureau Score: 400
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹3,122,592
Credit Utilisation: 6.6%
GST Compliance Rate: 65.7%
Business Vintage: 5.5 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: 4.08
DSCR: 1.43
Current Ratio: 3.38
ICR (EBIT): 1.58
ICR (EBITDA): 4.95
TOL/TNW: 1.55
Bureau Score: 737
Number of Loans: 7
DPD 12 Months: 75
Average Monthly Balance: ₹2,082,011
Credit Utilisation: 5.2%
GST Compliance Rate: 87.2%
Business Vintage: 2.2 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.11
DSCR: 0.86
Current Ratio: 2.52
ICR (EBIT): 0.84
ICR (EBITDA): 2.87
TOL/TNW: 4.86
Bureau Score: 360
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹2,689,063
Credit Utilisation: 41.0%
GST Compliance Rate: 66.0%
Business Vintage: 12.5 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: 0.53
DSCR: 2.69
Current Ratio: 4.43
ICR (EBIT): 1.35
ICR (EBITDA): 6.98
TOL/TNW: 4.99
Bureau Score: 695
Number of Loans: 1
DPD 12 Months: 34
Average Monthly Balance: ₹4,135,209
Credit Utilisation: 35.8%
GST Compliance Rate: 75.6%
Business Vintage: 7.3 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: 1.27
DSCR: 2.56
Current Ratio: 3.48
ICR (EBIT): 3.91
ICR (EBITDA): 0.88
TOL/TNW: 0.44
Bureau Score: 839
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,666,610
Credit Utilisation: 51.4%
GST Compliance Rate: 80.4%
Business Vintage: 12.5 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: 1.00
DSCR: 0.63
Current Ratio: 6.61
ICR (EBIT): 1.55
ICR (EBITDA): 2.05
TOL/TNW: 4.04
Bureau Score: 728
Number of Loans: 5
DPD 12 Months: 91
Average Monthly Balance: ₹2,343,008
Credit Utilisation: 29.6%
GST Compliance Rate: 82.5%
Business Vintage: 6.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.32
DSCR: 2.77
Current Ratio: 2.46
ICR (EBIT): 3.03
ICR (EBITDA): 5.06
TOL/TNW: 1.56
Bureau Score: 818
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹2,029,074
Credit Utilisation: 2.4%
GST Compliance Rate: 92.2%
Business Vintage: 16.2 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.17
DSCR: 2.17
Current Ratio: 3.35
ICR (EBIT): 3.31
ICR (EBITDA): 4.25
TOL/TNW: 0.89
Bureau Score: 842
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹3,691,579
Credit Utilisation: 9.7%
GST Compliance Rate: 98.2%
Business Vintage: 8.4 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: 1.51
DSCR: 0.40
Current Ratio: 5.34
ICR (EBIT): 1.30
ICR (EBITDA): 5.75
TOL/TNW: 5.75
Bureau Score: 499
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹303,713
Credit Utilisation: 9.8%
GST Compliance Rate: 61.9%
Business Vintage: 18.1 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.12
DSCR: 2.58
Current Ratio: 4.70
ICR (EBIT): 2.13
ICR (EBITDA): 5.76
TOL/TNW: 2.00
Bureau Score: 862
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹358,980
Credit Utilisation: 94.4%
GST Compliance Rate: 90.1%
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: 0.29
DSCR: 2.31
Current Ratio: 3.61
ICR (EBIT): 4.24
ICR (EBITDA): 4.07
TOL/TNW: 0.99
Bureau Score: 772
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹3,917,745
Credit Utilisation: 74.8%
GST Compliance Rate: 82.6%
Business Vintage: 19.0 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: 5.19
DSCR: 1.32
Current Ratio: 5.17
ICR (EBIT): 4.53
ICR (EBITDA): 1.65
TOL/TNW: 5.68
Bureau Score: 528
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹3,712,603
Credit Utilisation: 47.9%
GST Compliance Rate: 56.8%
Business Vintage: 7.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.13
DSCR: 1.17
Current Ratio: 4.99
ICR (EBIT): 2.20
ICR (EBITDA): 6.40
TOL/TNW: 4.32
Bureau Score: 668
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹1,890,654
Credit Utilisation: 60.2%
GST Compliance Rate: 54.9%
Business Vintage: 19.8 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: 5.37
DSCR: 2.62
Current Ratio: 7.00
ICR (EBIT): 1.46
ICR (EBITDA): 4.23
TOL/TNW: 3.88
Bureau Score: 744
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹4,441,374
Credit Utilisation: 81.0%
GST Compliance Rate: 88.3%
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: 0.26
DSCR: 2.74
Current Ratio: 4.63
ICR (EBIT): 5.99
ICR (EBITDA): 6.20
TOL/TNW: 0.62
Bureau Score: 887
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹3,803,993
Credit Utilisation: 63.3%
GST Compliance Rate: 80.6%
Business Vintage: 8.5 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: 4.04
DSCR: 2.60
Current Ratio: 0.82
ICR (EBIT): 2.60
ICR (EBITDA): 6.14
TOL/TNW: 1.85
Bureau Score: 744
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹4,469,748
Credit Utilisation: 92.9%
GST Compliance Rate: 66.1%
Business Vintage: 25.0 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.89
DSCR: 2.41
Current Ratio: 4.63
ICR (EBIT): 4.29
ICR (EBITDA): 1.94
TOL/TNW: 1.90
Bureau Score: 764
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹4,668,022
Credit Utilisation: 8.6%
GST Compliance Rate: 95.8%
Business Vintage: 22.0 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: 0.97
DSCR: 1.46
Current Ratio: 6.56
ICR (EBIT): 2.14
ICR (EBITDA): 1.71
TOL/TNW: 4.66
Bureau Score: 669
Number of Loans: 9
DPD 12 Months: 6
Average Monthly Balance: ₹1,984,479
Credit Utilisation: 84.9%
GST Compliance Rate: 67.8%
Business Vintage: 2.7 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: 1.47
DSCR: 0.84
Current Ratio: 4.04
ICR (EBIT): 3.42
ICR (EBITDA): 1.27
TOL/TNW: 3.29
Bureau Score: 459
Number of Loans: 8
DPD 12 Months: 96
Average Monthly Balance: ₹2,830,867
Credit Utilisation: 4.2%
GST Compliance Rate: 62.7%
Business Vintage: 22.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.12
DSCR: 2.11
Current Ratio: 7.29
ICR (EBIT): 4.70
ICR (EBITDA): 4.87
TOL/TNW: 1.39
Bureau Score: 748
Number of Loans: 3
DPD 12 Months: 86
Average Monthly Balance: ₹79,733
Credit Utilisation: 13.9%
GST Compliance Rate: 78.5%
Business Vintage: 24.0 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.66
DSCR: 0.54
Current Ratio: 7.37
ICR (EBIT): 3.76
ICR (EBITDA): 4.93
TOL/TNW: 1.72
Bureau Score: 601
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,549,182
Credit Utilisation: 80.0%
GST Compliance Rate: 65.0%
Business Vintage: 21.9 years

[Assistant] Reject