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

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

OPL Underwriting Thresholds:
- Healthy requires ALL of: DE Ratio < 1.5, DSCR > 1.5, Current Ratio > 1.33, ICR(EBIT) > 3, TOL/TNW < 2, Bureau Score >= 700, DPD 12M = 0, GST Compliance >= 80%
- Reject triggers if ANY of: DSCR < 1.0, (DE Ratio > 3 AND TOL/TNW > 4), DPD 12M > 90, Bureau 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: 1.96
Current Ratio: 6.19
ICR (EBIT): 4.67
ICR (EBITDA): 1.66
TOL/TNW: 1.44
Bureau Score: 719
Number of Loans: 1
DPD 12 Months: 15
Average Monthly Balance: ₹377,920
Credit Utilisation: 13.0%
GST Compliance Rate: 64.5%
Business Vintage: 16.4 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.57
DSCR: 1.73
Current Ratio: 3.67
ICR (EBIT): 5.63
ICR (EBITDA): 0.88
TOL/TNW: 2.73
Bureau Score: 574
Number of Loans: 6
DPD 12 Months: 82
Average Monthly Balance: ₹3,334,815
Credit Utilisation: 12.9%
GST Compliance Rate: 65.3%
Business Vintage: 10.5 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: 1.23
DSCR: 0.48
Current Ratio: 5.11
ICR (EBIT): 4.57
ICR (EBITDA): 3.66
TOL/TNW: 5.92
Bureau Score: 895
Number of Loans: 6
DPD 12 Months: 38
Average Monthly Balance: ₹256,324
Credit Utilisation: 43.2%
GST Compliance Rate: 68.1%
Business Vintage: 17.5 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: 5.36
DSCR: 1.81
Current Ratio: 4.56
ICR (EBIT): 0.53
ICR (EBITDA): 4.83
TOL/TNW: 1.15
Bureau Score: 786
Number of Loans: 1
DPD 12 Months: 62
Average Monthly Balance: ₹538,662
Credit Utilisation: 57.7%
GST Compliance Rate: 62.9%
Business Vintage: 14.8 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.92
DSCR: 0.90
Current Ratio: 2.98
ICR (EBIT): 2.76
ICR (EBITDA): 3.02
TOL/TNW: 2.04
Bureau Score: 723
Number of Loans: 3
DPD 12 Months: 72
Average Monthly Balance: ₹4,832,544
Credit Utilisation: 57.0%
GST Compliance Rate: 64.1%
Business Vintage: 13.9 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: 2.77
DSCR: 2.78
Current Ratio: 5.81
ICR (EBIT): 3.62
ICR (EBITDA): 6.35
TOL/TNW: 1.92
Bureau Score: 607
Number of Loans: 3
DPD 12 Months: 73
Average Monthly Balance: ₹3,204,105
Credit Utilisation: 52.6%
GST Compliance Rate: 67.5%
Business Vintage: 18.0 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.44
DSCR: 2.20
Current Ratio: 6.11
ICR (EBIT): 4.51
ICR (EBITDA): 4.76
TOL/TNW: 4.45
Bureau Score: 747
Number of Loans: 8
DPD 12 Months: 96
Average Monthly Balance: ₹1,296,883
Credit Utilisation: 32.2%
GST Compliance Rate: 80.3%
Business Vintage: 8.0 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.63
DSCR: 2.91
Current Ratio: 2.76
ICR (EBIT): 3.93
ICR (EBITDA): 0.52
TOL/TNW: 5.45
Bureau Score: 834
Number of Loans: 1
DPD 12 Months: 80
Average Monthly Balance: ₹1,029,684
Credit Utilisation: 35.8%
GST Compliance Rate: 77.3%
Business Vintage: 24.8 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: 0.45
DSCR: 2.19
Current Ratio: 4.02
ICR (EBIT): 5.21
ICR (EBITDA): 3.10
TOL/TNW: 1.50
Bureau Score: 647
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,943,803
Credit Utilisation: 32.4%
GST Compliance Rate: 66.0%
Business Vintage: 3.0 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: 0.59
DSCR: 2.61
Current Ratio: 3.72
ICR (EBIT): 4.39
ICR (EBITDA): 5.37
TOL/TNW: 1.77
Bureau Score: 807
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹1,263,788
Credit Utilisation: 5.6%
GST Compliance Rate: 87.4%
Business Vintage: 12.8 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.24
DSCR: 2.71
Current Ratio: 5.86
ICR (EBIT): 4.74
ICR (EBITDA): 4.68
TOL/TNW: 1.31
Bureau Score: 719
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,008,603
Credit Utilisation: 2.8%
GST Compliance Rate: 89.6%
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: 5.91
DSCR: 0.78
Current Ratio: 2.35
ICR (EBIT): 4.50
ICR (EBITDA): 3.22
TOL/TNW: 2.62
Bureau Score: 739
Number of Loans: 8
DPD 12 Months: 118
Average Monthly Balance: ₹1,893,157
Credit Utilisation: 7.6%
GST Compliance Rate: 55.1%
Business Vintage: 16.0 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: 1.78
DSCR: 2.43
Current Ratio: 4.06
ICR (EBIT): 1.80
ICR (EBITDA): 4.60
TOL/TNW: 3.35
Bureau Score: 778
Number of Loans: 9
DPD 12 Months: 64
Average Monthly Balance: ₹960,810
Credit Utilisation: 84.1%
GST Compliance Rate: 91.3%
Business Vintage: 5.3 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: 2.87
DSCR: 1.58
Current Ratio: 3.35
ICR (EBIT): 3.36
ICR (EBITDA): 2.11
TOL/TNW: 2.84
Bureau Score: 593
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,536,247
Credit Utilisation: 88.1%
GST Compliance Rate: 53.0%
Business Vintage: 12.3 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: 2.17
DSCR: 2.24
Current Ratio: 3.63
ICR (EBIT): 0.72
ICR (EBITDA): 3.54
TOL/TNW: 2.17
Bureau Score: 583
Number of Loans: 10
DPD 12 Months: 10
Average Monthly Balance: ₹3,548,191
Credit Utilisation: 63.7%
GST Compliance Rate: 95.3%
Business Vintage: 10.0 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.25
DSCR: 2.88
Current Ratio: 2.17
ICR (EBIT): 1.50
ICR (EBITDA): 0.52
TOL/TNW: 3.76
Bureau Score: 469
Number of Loans: 1
DPD 12 Months: 118
Average Monthly Balance: ₹4,085,484
Credit Utilisation: 32.7%
GST Compliance Rate: 55.3%
Business Vintage: 13.8 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: 0.60
DSCR: 2.44
Current Ratio: 1.53
ICR (EBIT): 3.94
ICR (EBITDA): 0.84
TOL/TNW: 0.15
Bureau Score: 845
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,883,287
Credit Utilisation: 85.9%
GST Compliance Rate: 82.3%
Business Vintage: 20.6 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.66
DSCR: 1.24
Current Ratio: 4.81
ICR (EBIT): 3.26
ICR (EBITDA): 1.13
TOL/TNW: 2.78
Bureau Score: 803
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹4,280,149
Credit Utilisation: 28.3%
GST Compliance Rate: 90.8%
Business Vintage: 10.5 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.12
DSCR: 2.65
Current Ratio: 4.16
ICR (EBIT): 4.47
ICR (EBITDA): 6.13
TOL/TNW: 1.97
Bureau Score: 617
Number of Loans: 1
DPD 12 Months: 8
Average Monthly Balance: ₹1,903,285
Credit Utilisation: 60.8%
GST Compliance Rate: 93.6%
Business Vintage: 4.9 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.83
DSCR: 1.67
Current Ratio: 7.80
ICR (EBIT): 1.95
ICR (EBITDA): 5.02
TOL/TNW: 3.26
Bureau Score: 660
Number of Loans: 7
DPD 12 Months: 24
Average Monthly Balance: ₹3,820,170
Credit Utilisation: 54.8%
GST Compliance Rate: 97.6%
Business Vintage: 4.6 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.31
DSCR: 1.07
Current Ratio: 1.14
ICR (EBIT): 3.47
ICR (EBITDA): 5.61
TOL/TNW: 0.88
Bureau Score: 554
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹3,508,208
Credit Utilisation: 60.3%
GST Compliance Rate: 55.6%
Business Vintage: 7.4 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.71
DSCR: 2.77
Current Ratio: 6.79
ICR (EBIT): 2.92
ICR (EBITDA): 3.31
TOL/TNW: 4.78
Bureau Score: 881
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,964,515
Credit Utilisation: 66.2%
GST Compliance Rate: 83.6%
Business Vintage: 24.5 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.82
DSCR: 1.72
Current Ratio: 6.23
ICR (EBIT): 0.81
ICR (EBITDA): 4.83
TOL/TNW: 0.86
Bureau Score: 698
Number of Loans: 4
DPD 12 Months: 78
Average Monthly Balance: ₹4,023,940
Credit Utilisation: 8.9%
GST Compliance Rate: 67.7%
Business Vintage: 13.9 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.08
DSCR: 0.42
Current Ratio: 2.19
ICR (EBIT): 3.27
ICR (EBITDA): 6.23
TOL/TNW: 5.68
Bureau Score: 380
Number of Loans: 1
DPD 12 Months: 10
Average Monthly Balance: ₹453,224
Credit Utilisation: 42.5%
GST Compliance Rate: 84.2%
Business Vintage: 9.4 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.70
DSCR: 2.58
Current Ratio: 7.30
ICR (EBIT): 3.86
ICR (EBITDA): 4.54
TOL/TNW: 0.16
Bureau Score: 897
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹3,308,554
Credit Utilisation: 45.9%
GST Compliance Rate: 96.6%
Business Vintage: 14.2 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: 1.29
DSCR: 0.73
Current Ratio: 4.48
ICR (EBIT): 2.84
ICR (EBITDA): 2.77
TOL/TNW: 4.46
Bureau Score: 415
Number of Loans: 7
DPD 12 Months: 91
Average Monthly Balance: ₹1,042,123
Credit Utilisation: 78.9%
GST Compliance Rate: 72.7%
Business Vintage: 11.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.73
DSCR: 1.28
Current Ratio: 5.02
ICR (EBIT): 3.23
ICR (EBITDA): 2.16
TOL/TNW: 4.45
Bureau Score: 613
Number of Loans: 10
DPD 12 Months: 82
Average Monthly Balance: ₹478,293
Credit Utilisation: 18.2%
GST Compliance Rate: 98.2%
Business Vintage: 16.6 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: 0.58
DSCR: 2.89
Current Ratio: 6.14
ICR (EBIT): 3.14
ICR (EBITDA): 1.52
TOL/TNW: 3.05
Bureau Score: 854
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹1,132,397
Credit Utilisation: 47.0%
GST Compliance Rate: 81.8%
Business Vintage: 16.7 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.86
DSCR: 1.58
Current Ratio: 3.62
ICR (EBIT): 5.28
ICR (EBITDA): 3.68
TOL/TNW: 5.56
Bureau Score: 399
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,695,976
Credit Utilisation: 45.9%
GST Compliance Rate: 95.8%
Business Vintage: 3.2 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.66
DSCR: 1.49
Current Ratio: 7.60
ICR (EBIT): 3.37
ICR (EBITDA): 5.89
TOL/TNW: 2.71
Bureau Score: 677
Number of Loans: 4
DPD 12 Months: 38
Average Monthly Balance: ₹1,291,294
Credit Utilisation: 41.2%
GST Compliance Rate: 75.6%
Business Vintage: 23.0 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.20
DSCR: 2.62
Current Ratio: 1.59
ICR (EBIT): 2.74
ICR (EBITDA): 2.00
TOL/TNW: 4.08
Bureau Score: 615
Number of Loans: 2
DPD 12 Months: 80
Average Monthly Balance: ₹4,656,277
Credit Utilisation: 79.7%
GST Compliance Rate: 63.7%
Business Vintage: 10.8 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.44
DSCR: 2.70
Current Ratio: 5.61
ICR (EBIT): 5.61
ICR (EBITDA): 6.39
TOL/TNW: 0.48
Bureau Score: 839
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹269,802
Credit Utilisation: 15.4%
GST Compliance Rate: 97.2%
Business Vintage: 24.1 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: 3.01
DSCR: 2.66
Current Ratio: 7.90
ICR (EBIT): 3.18
ICR (EBITDA): 3.14
TOL/TNW: 1.69
Bureau Score: 624
Number of Loans: 6
DPD 12 Months: 10
Average Monthly Balance: ₹49,222
Credit Utilisation: 46.4%
GST Compliance Rate: 89.6%
Business Vintage: 5.1 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.25
DSCR: 2.78
Current Ratio: 2.12
ICR (EBIT): 4.48
ICR (EBITDA): 2.39
TOL/TNW: 1.57
Bureau Score: 888
Number of Loans: 3
DPD 12 Months: 0
Average Monthly Balance: ₹3,115,569
Credit Utilisation: 22.9%
GST Compliance Rate: 96.0%
Business Vintage: 21.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.25
DSCR: 2.53
Current Ratio: 6.99
ICR (EBIT): 3.97
ICR (EBITDA): 3.15
TOL/TNW: 0.15
Bureau Score: 751
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹1,447,398
Credit Utilisation: 61.7%
GST Compliance Rate: 89.5%
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: 5.72
DSCR: 2.88
Current Ratio: 0.87
ICR (EBIT): 3.20
ICR (EBITDA): 1.07
TOL/TNW: 3.45
Bureau Score: 865
Number of Loans: 7
DPD 12 Months: 83
Average Monthly Balance: ₹3,082,418
Credit Utilisation: 8.0%
GST Compliance Rate: 84.4%
Business Vintage: 4.9 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.56
DSCR: 1.50
Current Ratio: 5.79
ICR (EBIT): 2.58
ICR (EBITDA): 5.20
TOL/TNW: 3.68
Bureau Score: 745
Number of Loans: 6
DPD 12 Months: 69
Average Monthly Balance: ₹468,483
Credit Utilisation: 44.9%
GST Compliance Rate: 87.6%
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: 3.90
DSCR: 1.27
Current Ratio: 5.58
ICR (EBIT): 0.83
ICR (EBITDA): 5.65
TOL/TNW: 3.40
Bureau Score: 795
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹4,252,238
Credit Utilisation: 71.7%
GST Compliance Rate: 55.2%
Business Vintage: 16.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.50
DSCR: 1.61
Current Ratio: 4.22
ICR (EBIT): 5.90
ICR (EBITDA): 3.71
TOL/TNW: 0.61
Bureau Score: 357
Number of Loans: 3
DPD 12 Months: 118
Average Monthly Balance: ₹724,426
Credit Utilisation: 98.6%
GST Compliance Rate: 94.5%
Business Vintage: 13.3 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: 0.19
DSCR: 2.21
Current Ratio: 2.62
ICR (EBIT): 5.40
ICR (EBITDA): 2.16
TOL/TNW: 1.97
Bureau Score: 820
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹4,154,753
Credit Utilisation: 62.4%
GST Compliance Rate: 82.9%
Business Vintage: 1.0 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: 2.47
DSCR: 2.33
Current Ratio: 0.52
ICR (EBIT): 4.44
ICR (EBITDA): 2.84
TOL/TNW: 3.28
Bureau Score: 771
Number of Loans: 6
DPD 12 Months: 89
Average Monthly Balance: ₹3,648,698
Credit Utilisation: 47.6%
GST Compliance Rate: 87.1%
Business Vintage: 9.5 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: 2.96
DSCR: 0.50
Current Ratio: 2.70
ICR (EBIT): 2.58
ICR (EBITDA): 4.17
TOL/TNW: 4.14
Bureau Score: 515
Number of Loans: 3
DPD 12 Months: 93
Average Monthly Balance: ₹111,997
Credit Utilisation: 11.5%
GST Compliance Rate: 98.9%
Business Vintage: 3.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.97
DSCR: 2.50
Current Ratio: 3.63
ICR (EBIT): 3.24
ICR (EBITDA): 4.23
TOL/TNW: 0.68
Bureau Score: 806
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹3,290,995
Credit Utilisation: 32.3%
GST Compliance Rate: 100.0%
Business Vintage: 7.2 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 5.82
DSCR: 0.72
Current Ratio: 7.52
ICR (EBIT): 2.01
ICR (EBITDA): 1.36
TOL/TNW: 4.75
Bureau Score: 852
Number of Loans: 8
DPD 12 Months: 93
Average Monthly Balance: ₹3,778,078
Credit Utilisation: 83.9%
GST Compliance Rate: 90.4%
Business Vintage: 4.8 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: 2.19
DSCR: 0.95
Current Ratio: 5.72
ICR (EBIT): 1.92
ICR (EBITDA): 1.03
TOL/TNW: 5.15
Bureau Score: 628
Number of Loans: 3
DPD 12 Months: 83
Average Monthly Balance: ₹2,354,965
Credit Utilisation: 91.8%
GST Compliance Rate: 90.8%
Business Vintage: 15.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.13
DSCR: 2.10
Current Ratio: 5.78
ICR (EBIT): 5.95
ICR (EBITDA): 3.62
TOL/TNW: 1.03
Bureau Score: 791
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹2,696,430
Credit Utilisation: 19.2%
GST Compliance Rate: 92.9%
Business Vintage: 17.6 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.43
DSCR: 2.24
Current Ratio: 6.59
ICR (EBIT): 5.79
ICR (EBITDA): 6.01
TOL/TNW: 1.69
Bureau Score: 858
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,788,254
Credit Utilisation: 32.9%
GST Compliance Rate: 83.0%
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: 5.52
DSCR: 2.48
Current Ratio: 2.25
ICR (EBIT): 3.26
ICR (EBITDA): 6.55
TOL/TNW: 2.76
Bureau Score: 661
Number of Loans: 7
DPD 12 Months: 28
Average Monthly Balance: ₹35,486
Credit Utilisation: 33.3%
GST Compliance Rate: 77.6%
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: 0.68
DSCR: 1.96
Current Ratio: 5.41
ICR (EBIT): 3.63
ICR (EBITDA): 2.32
TOL/TNW: 0.65
Bureau Score: 887
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹3,312,742
Credit Utilisation: 56.4%
GST Compliance Rate: 89.6%
Business Vintage: 14.0 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: 1.36
DSCR: 2.54
Current Ratio: 5.04
ICR (EBIT): 3.78
ICR (EBITDA): 0.90
TOL/TNW: 1.33
Bureau Score: 858
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,110,751
Credit Utilisation: 68.8%
GST Compliance Rate: 96.7%
Business Vintage: 20.9 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.26
DSCR: 2.40
Current Ratio: 2.47
ICR (EBIT): 4.41
ICR (EBITDA): 2.66
TOL/TNW: 3.26
Bureau Score: 640
Number of Loans: 9
DPD 12 Months: 8
Average Monthly Balance: ₹4,877,868
Credit Utilisation: 11.9%
GST Compliance Rate: 74.6%
Business Vintage: 5.5 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.00
DSCR: 2.74
Current Ratio: 1.98
ICR (EBIT): 2.04
ICR (EBITDA): 3.83
TOL/TNW: 3.01
Bureau Score: 552
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹4,729,383
Credit Utilisation: 98.5%
GST Compliance Rate: 65.4%
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: 3.51
DSCR: 0.47
Current Ratio: 3.81
ICR (EBIT): 1.97
ICR (EBITDA): 3.10
TOL/TNW: 5.43
Bureau Score: 807
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹3,979,689
Credit Utilisation: 86.7%
GST Compliance Rate: 58.6%
Business Vintage: 21.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.69
DSCR: 1.77
Current Ratio: 4.12
ICR (EBIT): 2.70
ICR (EBITDA): 3.35
TOL/TNW: 3.14
Bureau Score: 813
Number of Loans: 5
DPD 12 Months: 0
Average Monthly Balance: ₹1,270,646
Credit Utilisation: 90.7%
GST Compliance Rate: 54.1%
Business Vintage: 22.2 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.86
DSCR: 0.36
Current Ratio: 0.89
ICR (EBIT): 0.53
ICR (EBITDA): 6.64
TOL/TNW: 4.62
Bureau Score: 433
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,204,611
Credit Utilisation: 39.0%
GST Compliance Rate: 59.4%
Business Vintage: 14.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.15
DSCR: 2.57
Current Ratio: 3.30
ICR (EBIT): 4.26
ICR (EBITDA): 5.69
TOL/TNW: 0.53
Bureau Score: 767
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹1,789,513
Credit Utilisation: 64.6%
GST Compliance Rate: 98.4%
Business Vintage: 3.0 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.54
DSCR: 2.19
Current Ratio: 3.12
ICR (EBIT): 3.34
ICR (EBITDA): 6.14
TOL/TNW: 1.29
Bureau Score: 851
Number of Loans: 6
DPD 12 Months: 0
Average Monthly Balance: ₹715,089
Credit Utilisation: 37.1%
GST Compliance Rate: 89.2%
Business Vintage: 23.2 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: 1.66
DSCR: 1.81
Current Ratio: 6.32
ICR (EBIT): 2.77
ICR (EBITDA): 2.05
TOL/TNW: 5.11
Bureau Score: 556
Number of Loans: 6
DPD 12 Months: 10
Average Monthly Balance: ₹3,419,170
Credit Utilisation: 55.6%
GST Compliance Rate: 75.1%
Business Vintage: 16.7 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 3.92
DSCR: 0.82
Current Ratio: 7.57
ICR (EBIT): 1.07
ICR (EBITDA): 3.76
TOL/TNW: 5.34
Bureau Score: 665
Number of Loans: 9
DPD 12 Months: 95
Average Monthly Balance: ₹1,629,062
Credit Utilisation: 55.2%
GST Compliance Rate: 96.3%
Business Vintage: 2.7 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.97
DSCR: 0.68
Current Ratio: 6.95
ICR (EBIT): 3.40
ICR (EBITDA): 5.90
TOL/TNW: 5.68
Bureau Score: 779
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹4,430,120
Credit Utilisation: 1.0%
GST Compliance Rate: 60.3%
Business Vintage: 11.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.00
DSCR: 2.93
Current Ratio: 6.18
ICR (EBIT): 3.16
ICR (EBITDA): 2.37
TOL/TNW: 0.11
Bureau Score: 757
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹2,541,013
Credit Utilisation: 26.1%
GST Compliance Rate: 98.9%
Business Vintage: 16.1 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: 1.28
DSCR: 1.55
Current Ratio: 7.44
ICR (EBIT): 3.92
ICR (EBITDA): 6.03
TOL/TNW: 5.89
Bureau Score: 643
Number of Loans: 1
DPD 12 Months: 83
Average Monthly Balance: ₹104,028
Credit Utilisation: 99.3%
GST Compliance Rate: 71.3%
Business Vintage: 20.6 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: 4.25
DSCR: 1.62
Current Ratio: 6.51
ICR (EBIT): 1.38
ICR (EBITDA): 1.73
TOL/TNW: 2.89
Bureau Score: 551
Number of Loans: 10
DPD 12 Months: 3
Average Monthly Balance: ₹3,264,116
Credit Utilisation: 43.0%
GST Compliance Rate: 78.8%
Business Vintage: 6.8 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: 5.70
DSCR: 0.83
Current Ratio: 3.46
ICR (EBIT): 4.56
ICR (EBITDA): 2.44
TOL/TNW: 3.62
Bureau Score: 892
Number of Loans: 2
DPD 12 Months: 88
Average Monthly Balance: ₹1,245,091
Credit Utilisation: 61.8%
GST Compliance Rate: 51.3%
Business Vintage: 16.8 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.89
DSCR: 0.86
Current Ratio: 6.51
ICR (EBIT): 5.00
ICR (EBITDA): 3.29
TOL/TNW: 1.86
Bureau Score: 738
Number of Loans: 1
DPD 12 Months: 28
Average Monthly Balance: ₹1,989,166
Credit Utilisation: 36.3%
GST Compliance Rate: 92.3%
Business Vintage: 8.0 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.55
DSCR: 1.57
Current Ratio: 2.04
ICR (EBIT): 4.77
ICR (EBITDA): 5.82
TOL/TNW: 0.89
Bureau Score: 743
Number of Loans: 9
DPD 12 Months: 0
Average Monthly Balance: ₹1,539,016
Credit Utilisation: 1.1%
GST Compliance Rate: 84.7%
Business Vintage: 16.5 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: 1.33
DSCR: 1.70
Current Ratio: 3.02
ICR (EBIT): 3.63
ICR (EBITDA): 0.83
TOL/TNW: 1.86
Bureau Score: 897
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹4,105,488
Credit Utilisation: 80.6%
GST Compliance Rate: 83.3%
Business Vintage: 12.7 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: 1.27
DSCR: 2.10
Current Ratio: 4.60
ICR (EBIT): 2.19
ICR (EBITDA): 3.37
TOL/TNW: 4.03
Bureau Score: 621
Number of Loans: 7
DPD 12 Months: 77
Average Monthly Balance: ₹4,512,771
Credit Utilisation: 62.2%
GST Compliance Rate: 70.6%
Business Vintage: 16.6 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 2.11
DSCR: 0.76
Current Ratio: 4.34
ICR (EBIT): 2.32
ICR (EBITDA): 4.84
TOL/TNW: 2.38
Bureau Score: 384
Number of Loans: 1
DPD 12 Months: 98
Average Monthly Balance: ₹3,422,993
Credit Utilisation: 8.4%
GST Compliance Rate: 94.9%
Business Vintage: 7.0 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: 0.19
DSCR: 2.86
Current Ratio: 3.05
ICR (EBIT): 4.82
ICR (EBITDA): 6.65
TOL/TNW: 5.71
Bureau Score: 493
Number of Loans: 5
DPD 12 Months: 85
Average Monthly Balance: ₹1,944,166
Credit Utilisation: 25.6%
GST Compliance Rate: 80.4%
Business Vintage: 20.0 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 2.45
DSCR: 0.45
Current Ratio: 7.86
ICR (EBIT): 1.90
ICR (EBITDA): 5.66
TOL/TNW: 4.86
Bureau Score: 438
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹2,534,819
Credit Utilisation: 25.1%
GST Compliance Rate: 74.0%
Business Vintage: 11.0 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.24
DSCR: 0.83
Current Ratio: 3.73
ICR (EBIT): 0.63
ICR (EBITDA): 1.77
TOL/TNW: 4.95
Bureau Score: 497
Number of Loans: 7
DPD 12 Months: 13
Average Monthly Balance: ₹215,241
Credit Utilisation: 48.8%
GST Compliance Rate: 96.0%
Business Vintage: 3.6 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.36
DSCR: 2.90
Current Ratio: 5.34
ICR (EBIT): 3.94
ICR (EBITDA): 1.10
TOL/TNW: 1.92
Bureau Score: 754
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹3,198,461
Credit Utilisation: 0.6%
GST Compliance Rate: 90.6%
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: 0.94
DSCR: 2.73
Current Ratio: 0.99
ICR (EBIT): 0.59
ICR (EBITDA): 5.17
TOL/TNW: 0.62
Bureau Score: 840
Number of Loans: 7
DPD 12 Months: 20
Average Monthly Balance: ₹2,231,988
Credit Utilisation: 63.2%
GST Compliance Rate: 94.7%
Business Vintage: 9.8 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: 1.33
DSCR: 2.00
Current Ratio: 3.07
ICR (EBIT): 5.17
ICR (EBITDA): 1.71
TOL/TNW: 0.11
Bureau Score: 718
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹350,686
Credit Utilisation: 43.8%
GST Compliance Rate: 98.7%
Business Vintage: 24.4 years

[Assistant] Healthy


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 0.99
DSCR: 1.25
Current Ratio: 6.26
ICR (EBIT): 1.42
ICR (EBITDA): 6.67
TOL/TNW: 1.12
Bureau Score: 663
Number of Loans: 2
DPD 12 Months: 0
Average Monthly Balance: ₹962,373
Credit Utilisation: 8.5%
GST Compliance Rate: 69.7%
Business Vintage: 22.1 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.38
DSCR: 2.96
Current Ratio: 5.25
ICR (EBIT): 5.27
ICR (EBITDA): 3.22
TOL/TNW: 0.35
Bureau Score: 871
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹389,624
Credit Utilisation: 76.2%
GST Compliance Rate: 93.8%
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: 4.05
DSCR: 1.57
Current Ratio: 3.14
ICR (EBIT): 4.57
ICR (EBITDA): 4.95
TOL/TNW: 4.58
Bureau Score: 868
Number of Loans: 1
DPD 12 Months: 0
Average Monthly Balance: ₹2,469,360
Credit Utilisation: 92.3%
GST Compliance Rate: 92.4%
Business Vintage: 13.3 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: 5.04
DSCR: 1.59
Current Ratio: 4.43
ICR (EBIT): 2.53
ICR (EBITDA): 1.47
TOL/TNW: 4.35
Bureau Score: 450
Number of Loans: 8
DPD 12 Months: 0
Average Monthly Balance: ₹325,045
Credit Utilisation: 5.3%
GST Compliance Rate: 50.1%
Business Vintage: 14.3 years

[Assistant] Reject


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 4.27
DSCR: 2.14
Current Ratio: 7.36
ICR (EBIT): 5.52
ICR (EBITDA): 3.37
TOL/TNW: 2.46
Bureau Score: 728
Number of Loans: 4
DPD 12 Months: 20
Average Monthly Balance: ₹3,887,690
Credit Utilisation: 48.6%
GST Compliance Rate: 67.5%
Business Vintage: 22.2 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.61
DSCR: 0.72
Current Ratio: 1.87
ICR (EBIT): 0.69
ICR (EBITDA): 5.26
TOL/TNW: 5.84
Bureau Score: 668
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹2,611,512
Credit Utilisation: 41.3%
GST Compliance Rate: 68.0%
Business Vintage: 19.5 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: 0.85
DSCR: 2.44
Current Ratio: 6.95
ICR (EBIT): 5.56
ICR (EBITDA): 1.51
TOL/TNW: 1.78
Bureau Score: 809
Number of Loans: 7
DPD 12 Months: 0
Average Monthly Balance: ₹2,272,108
Credit Utilisation: 74.1%
GST Compliance Rate: 95.7%
Business Vintage: 11.1 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: 1.09
DSCR: 1.97
Current Ratio: 2.84
ICR (EBIT): 5.99
ICR (EBITDA): 2.79
TOL/TNW: 1.70
Bureau Score: 761
Number of Loans: 4
DPD 12 Months: 0
Average Monthly Balance: ₹1,620,447
Credit Utilisation: 49.8%
GST Compliance Rate: 86.4%
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: 1.47
DSCR: 2.94
Current Ratio: 7.30
ICR (EBIT): 5.93
ICR (EBITDA): 4.83
TOL/TNW: 1.75
Bureau Score: 797
Number of Loans: 10
DPD 12 Months: 0
Average Monthly Balance: ₹1,545,310
Credit Utilisation: 87.9%
GST Compliance Rate: 82.4%
Business Vintage: 7.5 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: 0.12
DSCR: 2.95
Current Ratio: 6.36
ICR (EBIT): 4.16
ICR (EBITDA): 1.86
TOL/TNW: 1.52
Bureau Score: 847
Number of Loans: 0
DPD 12 Months: 0
Average Monthly Balance: ₹590,271
Credit Utilisation: 66.4%
GST Compliance Rate: 82.8%
Business Vintage: 3.2 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: 0.99
DSCR: 2.72
Current Ratio: 4.60
ICR (EBIT): 4.61
ICR (EBITDA): 1.50
TOL/TNW: 5.09
Bureau Score: 617
Number of Loans: 6
DPD 12 Months: 58
Average Monthly Balance: ₹2,730,743
Credit Utilisation: 37.3%
GST Compliance Rate: 83.9%
Business Vintage: 16.4 years

[Assistant] Monitor


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

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

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

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

[User]
Classify this loan application:

DE Ratio: 1.98
DSCR: 2.85
Current Ratio: 7.54
ICR (EBIT): 5.32
ICR (EBITDA): 5.64
TOL/TNW: 2.34
Bureau Score: 720
Number of Loans: 3
DPD 12 Months: 60
Average Monthly Balance: ₹2,671,514
Credit Utilisation: 80.6%
GST Compliance Rate: 87.4%
Business Vintage: 11.6 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: 1.93
DSCR: 1.01
Current Ratio: 3.12
ICR (EBIT): 1.75
ICR (EBITDA): 3.72
TOL/TNW: 5.90
Bureau Score: 768
Number of Loans: 5
DPD 12 Months: 36
Average Monthly Balance: ₹4,322,856
Credit Utilisation: 65.5%
GST Compliance Rate: 61.2%
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: 3.26
DSCR: 2.25
Current Ratio: 6.90
ICR (EBIT): 4.13
ICR (EBITDA): 6.60
TOL/TNW: 4.33
Bureau Score: 559
Number of Loans: 9
DPD 12 Months: 77
Average Monthly Balance: ₹2,550,546
Credit Utilisation: 57.7%
GST Compliance Rate: 54.0%
Business Vintage: 11.5 years

[Assistant] Reject