any()): ?> all(); $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $error): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>

popLoop(); $loop = $__env->getLastLoop(); ?>

Score Card

id)->where('file_type','like','%fraud_report_%')->orderBy('created_at','desc')->first(['file_path']); ?> file_path)): ?>

Download Fraud Report

General

Name	name; ?>
Score	(Manual)
Purpose	category->id) && $application->category->id == 24){ switch ($application->application_element->type_of_customer){ case 1: echo 'Residential'; break; case 2: echo 'Rural C&I MSME ( Attachakki, Oil Expeller etc)'; break; case 3: echo 'Urban C&I MSME (Factories, Hospitals, Hotels, Offices, etc)'; break; case 4: echo 'Housing Society'; break; case 5: echo 'DSA'; break; } }else{ echo '-'; } ?>
# Enq L12M
Co-Applicant Name		--missing--
Co-Applicant Score	Score; ?> (Manual)	0 (Manual)

FOIR

Monthly Income	₹
FOIR	%
ResidualFOIR	%
Max Eligible (Loan Amount)	₹
Max EMI serviced in last 36 months (A)	₹
Current EMI amount (B)	₹
Eligibility Amount [(A-B)*50/100]	₹

Loan + Demog

Loan Value	₹
ROI %
Tenure
Profession
Profession Type
Industry
Company Category
Company Name

Applicant (Manual Pulled Bureau)

Co-Applicant (Manual Pulled Bureau)

0): ?>

BUREAU INPUT (Live + Closed) (Applicant)

addLoop($__currentLoopData); foreach($__currentLoopData as $item): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> 0){ $red = "color:red;"; } ?> 0){ $red1 = "color:red;"; } $red2 = ''; if($item['AccountStatus'] == 'Settled' || $item['AccountStatus'] == 'Suit Filed(Wilful Default) and Written-off' || $item['AccountStatus'] == 'Suit Filed' || $item['AccountStatus'] == 'Post (WO) Settled'|| $item['AccountStatus'] == 'Wilful default'|| $item['AccountStatus'] == 'Written-off'|| $item['AccountStatus'] == 'Doubtful'|| $item['AccountStatus'] == 'Restructured Loan'|| $item['AccountStatus'] == 'Loss' || $item['AccountStatus'] == 'Account Sold'){ $red2 = "color:red;"; } $red3 = ''; if($item['PrincipalWriteOff'] > 0) { $red3 = "color:red;"; } if(isset($item['highlight']) && $item['highlight']){ $red2 = "color:red;"; } ?> popLoop(); $loop = $__env->getLastLoop(); ?> addLoop($__currentLoopData); foreach($__currentLoopData as $item): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> 0) { $red3 = "color:red;"; } ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Account Status	Loan Sanctioned	Loan Outstanding	Overdue Amount	Last EMI Amount paid
	₹	₹	₹	₹
Guarantor Loans:
	₹	₹	₹	₹

"AUTO LOAN", 2 => "HOUSING LOAN", 3 => "PROPERTY LOAN", 4 => "LOAN AGAINST SHARES/SECURITIES", 5 => "PERSONAL LOAN", 6 => "CONSUMER LOAN", 7 => "GOLD LOAN", 8 => "EDUCATIONAL LOAN", 9 => "LOAN TO PROFESSIONAL", 10 => "CREDIT CARD", 11 => "LEASING", 12 => "OVERDRAFT", 13 => "TWO-WHEELER LOAN", 14 => "NON-FUNDED CREDIT FACILITY", 15 => "LOAN AGAINST BANK DEPOSITS", 16 => "FLEET CARD", 17 => "Commercial Vehicle Loan", 18 => "Telco – Wireless", 19 => "Telco – Broadband", 20 => "Telco – Landline", 23 => "GECL Secured", 24 => "GECL Unsecured", 31 => "Secured Credit Card", 32 => "Used Car Loan", 33 => "Construction Equipment Loan", 34 => "Tractor Loan", 35 => "Corporate Credit Card", 36 => "Kisan Credit Card", 37 => "Loan on Credit Card", 38 => "Prime Minister Jaan Dhan Yojana - Overdraft", 39 => "Mudra Loans – Shishu / Kishor / Tarun", 40 => "Microfinance – Business Loan", 41 => "Microfinance – Personal Loan", 42 => "Microfinance – Housing Loan", 43 => "Microfinance – Others", 44 => "Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY CLSS", 45 => "P2P Personal Loan", 46 => "P2P Auto Loan", 47 => "P2P Education Loan", 51 => "BUSINESS LOAN – GENERAL", 52 => "BUSINESS LOAN –PRIORITY SECTOR – SMALL BUSINESS", 53 => "BUSINESS LOAN –PRIORITY SECTOR – AGRICULTURE", 54 => "BUSINESS LOAN –PRIORITY SECTOR – OTHERS", 55 => "BUSINESS NON-FUNDED CREDIT FACILITY – GENERAL", 56 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – SMALL BUSINESS", 57 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – AGRICULTURE", 58 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – OTHERS", 59 => "BUSINESS LOANS AGAINST BANK DEPOSITS", 60 => "Staff Loan", 61 => "Business Loan - Unsecured", 0 => "Others"]; ?> 0 && !empty($Enquiries)): ?>

0): ?>

Credit Enquiries

No Records Found

This section shows the names of the credit institutions that have processed a credit / loan application for you.

addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$credit_caps_detail): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Sr. No	Enquiry Date	Member Type	Purpose	Enquiry Amount	Enquiry Type
	Date_of_Request) && !empty($credit_caps_detail->ReportTime) ? \Carbon\Carbon::parse($credit_caps_detail->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($credit_caps_detail->ReportTime)->format('H:i:s') : '-'?>	-	Enquiry_Reason) && array_key_exists((int)$credit_caps_detail->Enquiry_Reason, $accountType) ? $accountType[(int)$credit_caps_detail->Enquiry_Reason] : '-' ?>	Amount_Financed) ? $credit_caps_detail->Amount_Financed : '-'?>	Credit

0): ?>

BUREAU INPUT (Live + Closed) (Co-Applicant)

Account Status	Loan Sanctioned	Loan Outstanding	Overdue Amount	Last EMI Amount paid
	₹	₹	₹	₹
Guarantor Loans:
	₹	₹	₹	₹

0): ?>

Credit Enquiries

No Records Found

This section shows the names of the credit institutions that have processed a credit / loan application for you.

addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$credit_caps_detail): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Sr. No	Enquiry Date	Member Type	Purpose	Enquiry Amount	Enquiry Type
	Date_of_Request) && !empty($credit_caps_detail->ReportTime) ? \Carbon\Carbon::parse($credit_caps_detail->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($credit_caps_detail->ReportTime)->format('H:i:s') : '-'?>	-	Enquiry_Reason) && array_key_exists((int)$credit_caps_detail->Enquiry_Reason, $accountType) ? $accountType[(int)$credit_caps_detail->Enquiry_Reason] : '-' ?>	Amount_Financed) ? $credit_caps_detail->Amount_Financed : '-'?>	Credit

0): ?> applicant_type == 2 ? 2 : 1; $accountHolder = '-'; foreach ($finbit->consumer_application_file as $item) { if ($finbit->finbit_uid == str_replace('"',"",$item->accountUID)) { $fraudReport = \App\FraudReport::where('consumer_application_file_id', $item->id)->first(['accountHolder']); $accountHolder = isset($fraudReport->accountHolder) ? $fraudReport->accountHolder : '-'; } } if($type == 1){ $average_balance = isset($finbit->average_balance) && $finbit->average_balance > 0 ? money_format('%!i',$finbit->average_balance) : '-'; $average_balance_three_months = isset($finbit->average_balance_three_months) && $finbit->average_balance_three_months > 0 ? money_format('%!i',$finbit->average_balance_three_months) : '-'; $avg_emi_three_months = isset($finbit->avg_emi_three_months) && $finbit->avg_emi_three_months > 0 ? money_format('%!i',$finbit->avg_emi_three_months) : '-'; $table .= ''.$finbit->consumer_application->name.''. ''.$accountHolder.''. ''.$finbit->period_from.''. ''.$finbit->period_too.''. '₹'.$average_balance.''. '₹'.$average_balance_three_months.''. '₹'.$avg_emi_three_months.''. ''.$finbit->inwards_bounce_transaction.''. ''.$finbit->outwards_bounce_transaction.''. ''; }else{ $average_balance = isset($finbit->average_balance) && $finbit->average_balance > 0 ? money_format('%!i',$finbit->average_balance) : '-'; $average_balance_three_months = isset($finbit->average_balance_three_months) && $finbit->average_balance_three_months > 0 ? money_format('%!i',$finbit->average_balance_three_months) : '-'; $avg_emi_three_months = isset($finbit->avg_emi_three_months) && $finbit->avg_emi_three_months > 0 ? money_format('%!i',$finbit->avg_emi_three_months) : '-'; $tableCoApplicant = ''.$finbit->consumer_application->co_applicant_name.''. ''.$accountHolder.''. ''.$finbit->period_from.''. ''.$finbit->period_too.''. '₹'.$average_balance.''. '₹'.$average_balance_three_months.''. '₹'.$avg_emi_three_months.''. ''.$finbit->inwards_bounce_transaction.''. ''.$finbit->outwards_bounce_transaction.''. ''; } } ?>

Ignosis Bank Analysis

Applicant Details
Co-Applicant Details

make('admin.consumer-application.scorecard.partials._cumulative_snapshot', ['cumulativeData' => $cumulativeApplicant], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?> make('admin.consumer-application.scorecard.partials._account_holder_details', ['accounts' => $dataApplicant, 'userType' => 'applicant', 'applicationName' => $applicantName, 'applicationNameLabel' => 'Applicant Name'], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?>

No bank account details found for the Applicant.

make('admin.consumer-application.scorecard.partials._cumulative_snapshot', ['cumulativeData' => $cumulativeCoApplicant], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?> make('admin.consumer-application.scorecard.partials._account_holder_details', ['accounts' => $dataCoApplicant, 'userType' => 'coapplicant', 'applicationName' => $auto_co_applicant_name, 'applicationNameLabel' => 'Co-Applicant Name'], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?>

No bank account details found for the Co-Applicant.

Finbit Account Details - Applicant

Name	Account Holder Name	Statement From	Statement Too	Average balance	Average balance 3 months	Average EMI 3 months	Inwards Bounce Transaction	Outwards Bounce Transaction

Finbit Account Details - Co-Applicant

Name	Account Holder Name	Statement From	Statement Too	Average balance	Average balance 3 months	Average EMI 3 months	Inwards Bounce Transaction	Outwards Bounce Transaction

0): ?>

EPF Details

addLoop($__currentLoopData); foreach($__currentLoopData as $epfReportItem): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> data, 1); // $isEmployed = $uanNameMatch = false; // if($epf_data['result']['uan'] && is_array($epf_data['result']['uan']) && !empty($epf_data['result']['uan'])) { // foreach ($epf_data['result']['uan'] as $uanData) { // foreach ($uanData['employer'] as $uanDataEmployer) { // $isEmployed = $uanDataEmployer['isEmployed'] ?? false; // $uanNameMatch = $uanDataEmployer['uanNameMatch'] ?? false; // } // } // }else{ // $isEmployed = isset($epf_data['result']['nameLookup']['isEmployed']) ? $epf_data['result']['nameLookup']['isEmployed'] : '-'; // $uanNameMatch = isset($epf_data['result']['nameLookup']['uanNameMatch']) ? $epf_data['result']['nameLookup']['uanNameMatch'] : '-'; // } if(isset($epfReportItem['data'])){ $epf_data = json_decode($epfReportItem['data'], 1); $isEmployed = $isRecent = false; $summary = $epf_data['result']['summary']; if (isset($summary)){ $current_employer = $summary['uanLookup']['currentEmployer'] ?? ''; // $employee_name = $summary['nameLookup']['matchName'] ?? ""; if($current_employer){ $uan_data = $epf_data['result']['uan']; foreach ($uan_data as $data) {} $current_employer_details = array_filter($data['employer'], function($employer) use ($current_employer) { return $employer['name'] === $current_employer; }); if($current_employer_details){ $firstEmployer = reset($current_employer_details); $employee_name = $firstEmployer['matchName'] ?? ""; $isEmployed = $firstEmployer['isEmployed'] ?? null; $isRecent = $firstEmployer['isRecent'] ?? null; } } else if (isset($epf_data['result']['nameLookup']['organizationName'])) { $current_employer = $epf_data['result']['nameLookup']['organizationName']; $employee_name = $epf_data['result']['nameLookup']['employeeName'] ?? ""; $isEmployed = $epf_data['result']['nameLookup']['isEmployed'] ?? ""; $isRecent = $epf_data['result']['nameLookup']['isRecent'] ?? ""; } } } // }else{ // $isEmployed = isset($epf_data['result']['nameLookup']['isEmployed']) ? $epf_data['result']['nameLookup']['isEmployed'] : '-'; // $uanNameMatch = isset($epf_data['result']['nameLookup']['uanNameMatch']) ? $epf_data['result']['nameLookup']['uanNameMatch'] : '-'; // } ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Applicant Type	Employee Name	Organization Name	isEmployed	isRecent

0): ?> make('admin.consumer-application.scorecard.file_validation', ['fraud_report_data' => $fraud_report_data, 'type' => 'Applicant'], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?> 0): ?> make('admin.consumer-application.scorecard.file_validation', ['fraud_report_data' => $fraud_report_coapplicants, 'type' => 'Co-Applicant'], array_except(get_defined_vars(), array('__data', '__path')))->render(); ?>

OUTPUT

addLoop($__currentLoopData); foreach($__currentLoopData as $item): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Parameter	Value	Score	Max Score

	Score
	Category	Score :

result)): ?>

Telecom Data

result->history)): ?> result->history; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $payment_history): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Address	Alt Contact	Email id	Work Email
Contact
result->contact->address; ?>	result->contact->alt_contact; ?>	result->contact->email_id; ?>	result->contact->work_email; ?>
Device
device_activation_date	imei	model
result->device->device_activation_date; ?>	result->device->imei; ?>	result->device->model; ?>
Identity
date_of_birth	gender	name
result->identity->date_of_birth; ?>	result->identity->gender; ?>	result->identity->name; ?>
Sim Details
activation_date	last_activity_date	provider	type
result->sim_details->activation_date; ?>	result->sim_details->last_activity_date; ?>	result->sim_details->provider; ?>	result->sim_details->type; ?>
Payment History
Amount	Payment Date	Payment Type
amount; ?>	payment_date; ?>	payment_type; ?>

Mobile Data (Downloaded on Customer’s Device)

Risky Applications

| View on PlayStore

Salary

addLoop($__currentLoopData); foreach($__currentLoopData as $risky): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Message

Charges Debited/Charged

addLoop($__currentLoopData); foreach($__currentLoopData as $risky): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Message

name; ?> Score Card

Score Card

General

FOIR

Loan + Demog

Finbit Account Details - Applicant

Finbit Account Details - Co-Applicant

EPF Details

OUTPUT

Telecom Data