[2026-06-18 17:17:51] INFO: evaluate.received {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","has_file":true,"filename":"temp_2026-06-18_17:14:29_1781783069_co_lending_loan_decision.xlsx","size":14893,"mime":null,"ip":null} [2026-06-18 17:17:51] INFO: import.sheet_parsed {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","rows_seen":1,"rows_kept":1,"rows_skipped":0} [2026-06-18 17:17:51] INFO: evaluate.excel_parsed {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row_count":1} [2026-06-18 17:17:51] INFO: policy.request {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","url":"http://localhost:7000/api/live/policy/policy-d9204242"} [2026-06-18 17:17:52] INFO: policy.response {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","ok":true,"http_status":200,"duration_ms":427,"response":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}]}}}},"error":null} [2026-06-18 17:17:52] INFO: policy.parsed {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","policy_count":1,"policy_names":["Blacksoil-Navdhan"]} [2026-06-18 17:17:52] INFO: row.start {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"application_id":"MP040LE002858"} [2026-06-18 17:17:52] INFO: row.lead_created {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"application_id":"MP040LE002858","vendor_loan_id":1} [2026-06-18 17:17:52] INFO: row.co_applicants_saved {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"vendor_loan_id":1,"count":2} [2026-06-18 17:17:52] INFO: row.decision_data_saved {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"vendor_loan_id":1,"decision_keys":95} [2026-06-18 17:17:52] INFO: row.api_request {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"vendor_loan_id":1,"url":"http://localhost:8889/","policies_payload":["Blacksoil-Navdhan"],"decision_keys":["application_id","current_node","execute_next_node","age","gender","marital_status","applicant_ntc","household_monthly_income","household_annual_income","household_expenses","existing_emi_obligations","business_income","agriculture_income","dairy_income","foir","eligible_emi","eligible_loan_amount","loan_utilization","name_of_bureau","bureau_score","bureau_pull_date","overdue_amount","dpd_0_6_months","bureau_sub_count","bureau_dbt_count","bureau_loss_count","bureau_write_off_count","bureau_settlement_count","bureau_suit_filled_count","bureau_willful_default_count","restructured_count","dpd_6_12_months","enquiries_last_3_months","active_credit_lines_count","bank_statement_6m","cheque_bounce_count_6m","loan_amount","tenure","interest_rate","apr","repayment_frequency","loan_purpose","residence_area","residence_vintage_years","residence_ownership","residence_to_branch_distance_km","business_vintage_years","asset_fridge_value","asset_air_conditioner_value","asset_washing_machine_value","asset_tv_value","asset_smart_phone_value","co_applicant_age_1","co_applicant_relationship_1","co_applicant_years_of_stay_in_current_address_1","co_applicant_ntc_1","co_applicant_financial_status_1","co_applicant_name_of_bureau_1","co_applicant_bureau_score_1","co_applicant_bureau_pull_date_1","co_applicant_overdue_amount_1","co_applicant_dpd_0_6_months_1","co_applicant_dpd_6_12_months_1","co_applicant_bureau_sub_count_1","co_applicant_bureau_dbt_count_1","co_applicant_bureau_loss_count_1","co_applicant_bureau_write_off_count_1","co_applicant_bureau_settlement_count_1","co_applicant_bureau_suit_filed_count_1","co_applicant_bureau_willful_default_count_1","co_applicant_restructured_count_1","co_applicant_enquiries_last_3_months_1","co_applicant_active_credit_lines_count_1","co_applicant_age_2","co_applicant_relationship_2","co_applicant_years_of_stay_in_current_address_2","co_applicant_ntc_2","co_applicant_financial_status_2","co_applicant_name_of_bureau_2","co_applicant_bureau_score_2","co_applicant_bureau_pull_date_2","co_applicant_overdue_amount_2","co_applicant_dpd_0_6_months_2","co_applicant_dpd_6_12_months_2","co_applicant_bureau_sub_count_2","co_applicant_bureau_dbt_count_2","co_applicant_bureau_loss_count_2","co_applicant_bureau_write_off_count_2","co_applicant_bureau_settlement_count_2","co_applicant_bureau_suit_filed_count_2","co_applicant_bureau_willful_default_count_2","co_applicant_restructured_count_2","co_applicant_enquiries_last_3_months_2","co_applicant_active_credit_lines_count_2","borrower_maturity_age"],"payload":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}],"payload":{"application_id":"MP040LE002858","current_node":"init","execute_next_node":"operations_run_multiple_policy_bre","age":43,"gender":"female","marital_status":"married","applicant_ntc":"no","household_monthly_income":28300,"household_annual_income":339600,"household_expenses":85700,"existing_emi_obligations":9041,"business_income":28300,"agriculture_income":0,"dairy_income":0,"foir":47,"eligible_emi":90531,"eligible_loan_amount":100000,"loan_utilization":"business expansion","name_of_bureau":"crif","bureau_score":702,"bureau_pull_date":"1983-01-01","overdue_amount":0,"dpd_0_6_months":0,"bureau_sub_count":0,"bureau_dbt_count":0,"bureau_loss_count":0,"bureau_write_off_count":0,"bureau_settlement_count":0,"bureau_suit_filled_count":0,"bureau_willful_default_count":0,"restructured_count":0,"dpd_6_12_months":0,"enquiries_last_3_months":0,"active_credit_lines_count":1,"bank_statement_6m":1,"cheque_bounce_count_6m":0,"loan_amount":100000,"tenure":36,"interest_rate":31,"apr":34.14,"repayment_frequency":"monthly","loan_purpose":"business expansion","residence_area":"rural","residence_vintage_years":20,"residence_ownership":"owned","residence_to_branch_distance_km":30,"business_vintage_years":16,"asset_fridge_value":10000,"asset_air_conditioner_value":0,"asset_washing_machine_value":12000,"asset_tv_value":8000,"asset_smart_phone_value":20000,"co_applicant_age_1":59,"co_applicant_relationship_1":"husband","co_applicant_years_of_stay_in_current_address_1":"","co_applicant_ntc_1":"no","co_applicant_financial_status_1":"financial","co_applicant_name_of_bureau_1":"crif","co_applicant_bureau_score_1":745,"co_applicant_bureau_pull_date_1":"2025-03-26","co_applicant_overdue_amount_1":0,"co_applicant_dpd_0_6_months_1":0,"co_applicant_dpd_6_12_months_1":0,"co_applicant_bureau_sub_count_1":0,"co_applicant_bureau_dbt_count_1":0,"co_applicant_bureau_loss_count_1":0,"co_applicant_bureau_write_off_count_1":0,"co_applicant_bureau_settlement_count_1":0,"co_applicant_bureau_suit_filed_count_1":0,"co_applicant_bureau_willful_default_count_1":0,"co_applicant_restructured_count_1":0,"co_applicant_enquiries_last_3_months_1":0,"co_applicant_active_credit_lines_count_1":3,"co_applicant_age_2":43,"co_applicant_relationship_2":"brother in law","co_applicant_years_of_stay_in_current_address_2":30,"co_applicant_ntc_2":"yes","co_applicant_financial_status_2":"financial","co_applicant_name_of_bureau_2":"crif","co_applicant_bureau_score_2":0,"co_applicant_bureau_pull_date_2":"2026-04-15","co_applicant_overdue_amount_2":0,"co_applicant_dpd_0_6_months_2":0,"co_applicant_dpd_6_12_months_2":0,"co_applicant_bureau_sub_count_2":0,"co_applicant_bureau_dbt_count_2":0,"co_applicant_bureau_loss_count_2":0,"co_applicant_bureau_write_off_count_2":0,"co_applicant_bureau_settlement_count_2":0,"co_applicant_bureau_suit_filed_count_2":0,"co_applicant_bureau_willful_default_count_2":0,"co_applicant_restructured_count_2":0,"co_applicant_enquiries_last_3_months_2":0,"co_applicant_active_credit_lines_count_2":0,"borrower_maturity_age":46}}}}}} [2026-06-18 17:17:52] INFO: row.api_response {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"vendor_loan_id":1,"http_status":200,"ok":true,"duration_ms":801,"response":{"Blacksoil-Navdhan":{"failed_condition":{"key":"co_applicant_relationship_2","reason":"father"},"policy_status":false,"rules":[{"against":["pass","equal"],"key":"age","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["63","greaterThanEqual"],"key":"borrower_maturity_age","log":[],"reason":"Passed: 63.0 greaterThanEqual 46","result":true,"source":46},{"against":["18","lessThanEqual"],"key":"co_applicant_age_2","log":[],"reason":"Passed: 18.0 lessThanEqual 43","result":true,"source":43},{"against":["18","lessThanEqual"],"key":"co_applicant_age_1","log":[],"reason":"Passed: 18.0 lessThanEqual 59","result":true,"source":59},{"against":["pass","equal"],"key":"gender","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_1","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":[["rural","semi-urban","urban"],"equal"],"key":"residence_area","log":[],"reason":"semi-urban","result":true,"source":"rural"},{"against":[["rural","semi-urban","urban"],"inList"],"key":"residence_area","log":[],"reason":"semi-urban","result":true,"source":"rural"},{"against":["1000","greaterThanEqual"],"key":"overdue_amount","log":[],"reason":"Passed: 1000.0 greaterThanEqual 0","result":true,"source":0},{"against":["25000","lessThan"],"key":"household_monthly_income","log":[],"reason":"Passed: 25000.0 lessThan 28300","result":true,"source":28300},{"against":["30","greaterThanEqual"],"key":"dpd_0_6_months","log":[],"reason":"Passed: 30.0 greaterThanEqual 0","result":true,"source":0},{"against":["3","lessThanEqual"],"key":"business_vintage_years","log":[],"reason":"Passed: 3.0 lessThanEqual 16","result":true,"source":16},{"against":["pass","equal"],"key":"co_applicant_maturity_age_2","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["36","lessThanEqual"],"key":"tenure","log":[],"reason":"Passed: 36.0 lessThanEqual 36","result":true,"source":36},{"against":["pass","equal"],"key":"bureau_score","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["3","lessThanEqual"],"key":"residence_vintage_years","log":[],"reason":"Passed: 3.0 lessThanEqual 20","result":true,"source":20},{"against":["1","greaterThanEqual"],"key":"bank_statement_6m","log":[],"reason":"Passed: 1.0 greaterThanEqual 1","result":true,"source":1},{"against":["pass","equal"],"key":"co_applicant_maturity_age_3","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_maturity_age_1","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_2","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_3","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["3","greaterThanEqual"],"key":"active_credit_lines_count","log":[],"reason":"Passed: 3.0 greaterThanEqual 1","result":true,"source":1},{"against":["60","greaterThanEqual"],"key":"dpd_6_12_months","log":[],"reason":"Passed: 60.0 greaterThanEqual 0","result":true,"source":0},{"against":["no","equal"],"key":"applicant_ntc","log":[],"reason":"Passed: no equal no","result":true,"source":"no"},{"against":["0","greaterThanEqual"],"key":"cheque_bounce_count_6m","log":[],"reason":"Passed: 0.0 greaterThanEqual 0","result":true,"source":0},{"against":["5","greaterThanEqual"],"key":"enquiries_last_3_months","log":[],"reason":"Passed: 5.0 greaterThanEqual 0","result":true,"source":0},{"against":["300000","lessThan"],"key":"household_annual_income","log":[],"reason":"Passed: 300000.0 lessThan 339600","result":true,"source":339600},{"against":["30","lessThanEqual"],"key":"residence_to_branch_distance_km","log":[],"reason":"Passed: 30.0 lessThanEqual 30","result":true,"source":30},{"against":["400000","greaterThanEqual"],"key":"loan_amount","log":[],"reason":"Passed: 400000.0 greaterThanEqual 100000","result":true,"source":100000},{"against":[["owned","ancestral","rent free"],"inList"],"key":"residence_ownership","log":[],"reason":"ancestral","result":true,"source":"owned"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_1","log":[],"reason":"father","result":false,"source":"husband"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_3","log":[],"reason":"father","result":false,"source":"co_applicant_relationship_3"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_2","log":[],"reason":"father","result":false,"source":"brother in law"}]},"status":false},"error":null} [2026-06-18 17:17:52] INFO: row.bre_decision_saved {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","row":1,"vendor_loan_id":1,"bre_decision_id":1,"status":"success","decision":null} [2026-06-18 17:17:52] INFO: evaluate.completed {"batch_id":"05952cc2-a057-4d55-bd79-ea667f1f905c","summary":{"total":1,"succeeded":1,"failed":0,"validation_failed":0,"skipped_duplicate":0}} [2026-06-18 17:41:06] INFO: evaluate.received {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","has_file":true,"filename":"temp_2026-06-18_17:40:51_1781784651_co_lending_loan_decision.xlsx","size":14981,"mime":null,"ip":null} [2026-06-18 17:41:06] INFO: import.sheet_parsed {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","rows_seen":1,"rows_kept":1,"rows_skipped":0} [2026-06-18 17:41:06] INFO: evaluate.excel_parsed {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","row_count":1} [2026-06-18 17:41:06] INFO: policy.request {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","url":"http://localhost:7000/api/live/policy/policy-d9204242"} [2026-06-18 17:41:07] INFO: policy.response {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","ok":true,"http_status":200,"duration_ms":322,"response":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}]}}}},"error":null} [2026-06-18 17:41:07] INFO: policy.parsed {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","policy_count":1,"policy_names":["Blacksoil-Navdhan"]} [2026-06-18 17:41:07] INFO: row.start {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","row":1,"application_id":"MP040LE002858"} [2026-06-18 17:41:07] INFO: row.bre_already_executed {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","row":1,"application_id":"MP040LE002858","vendor_loan_id":1,"bre_decision_id":1,"decision":null} [2026-06-18 17:41:07] INFO: evaluate.completed {"batch_id":"a89a9d2f-08d9-438d-993b-36994f4a5ab1","summary":{"total":1,"succeeded":0,"failed":0,"validation_failed":0,"skipped_duplicate":1}} [2026-06-18 17:45:42] INFO: evaluate.received {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","has_file":true,"filename":"temp_2026-06-18_17:45:37_1781784937_co_lending_loan_decision.xlsx","size":15062,"mime":null,"ip":null} [2026-06-18 17:45:42] INFO: import.sheet_parsed {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","rows_seen":1,"rows_kept":1,"rows_skipped":0} [2026-06-18 17:45:42] INFO: evaluate.excel_parsed {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","row_count":1} [2026-06-18 17:45:42] INFO: policy.request {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","url":"http://localhost:7000/api/live/policy/policy-d9204242"} [2026-06-18 17:45:43] INFO: policy.response {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","ok":true,"http_status":200,"duration_ms":347,"response":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}]}}}},"error":null} [2026-06-18 17:45:43] INFO: policy.parsed {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","policy_count":1,"policy_names":["Blacksoil-Navdhan"]} [2026-06-18 17:45:43] INFO: row.start {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","row":1,"application_id":"MP040LE002858"} [2026-06-18 17:45:43] INFO: row.bre_already_executed {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","row":1,"application_id":"MP040LE002858","vendor_loan_id":1,"bre_decision_id":1,"decision":null} [2026-06-18 17:45:43] INFO: evaluate.completed {"batch_id":"cef7af2b-6dda-446f-af2c-04aef1c44f9e","summary":{"total":1,"succeeded":0,"failed":0,"validation_failed":0,"skipped_duplicate":1}} [2026-06-18 17:48:05] INFO: evaluate.received {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","has_file":true,"filename":"temp_2026-06-18_17:47:59_1781785079_co_lending_loan_decision.xlsx","size":15062,"mime":null,"ip":null} [2026-06-18 17:48:05] INFO: import.sheet_parsed {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","rows_seen":1,"rows_kept":1,"rows_skipped":0} [2026-06-18 17:48:05] INFO: evaluate.excel_parsed {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row_count":1} [2026-06-18 17:48:05] INFO: policy.request {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","url":"http://localhost:7000/api/live/policy/policy-d9204242"} [2026-06-18 17:48:05] INFO: policy.response {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","ok":true,"http_status":200,"duration_ms":293,"response":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}]}}}},"error":null} [2026-06-18 17:48:05] INFO: policy.parsed {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","policy_count":1,"policy_names":["Blacksoil-Navdhan"]} [2026-06-18 17:48:05] INFO: row.start {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"application_id":"MP040LE002867"} [2026-06-18 17:48:05] INFO: row.lead_created {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"application_id":"MP040LE002867","vendor_loan_id":2} [2026-06-18 17:48:05] INFO: row.co_applicants_saved {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"vendor_loan_id":2,"count":2} [2026-06-18 17:48:05] INFO: row.decision_data_saved {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"vendor_loan_id":2,"decision_keys":95} [2026-06-18 17:48:05] INFO: row.api_request {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"vendor_loan_id":2,"url":"http://localhost:8889/","policies_payload":["Blacksoil-Navdhan"],"decision_keys":["application_id","current_node","execute_next_node","age","gender","marital_status","applicant_ntc","household_monthly_income","household_annual_income","household_expenses","existing_emi_obligations","business_income","agriculture_income","dairy_income","foir","eligible_emi","eligible_loan_amount","loan_utilization","name_of_bureau","bureau_score","bureau_pull_date","overdue_amount","dpd_0_6_months","bureau_sub_count","bureau_dbt_count","bureau_loss_count","bureau_write_off_count","bureau_settlement_count","bureau_suit_filled_count","bureau_willful_default_count","restructured_count","dpd_6_12_months","enquiries_last_3_months","active_credit_lines_count","bank_statement_6m","cheque_bounce_count_6m","loan_amount","tenure","interest_rate","apr","repayment_frequency","loan_purpose","residence_area","residence_vintage_years","residence_ownership","residence_to_branch_distance_km","business_vintage_years","asset_fridge_value","asset_air_conditioner_value","asset_washing_machine_value","asset_tv_value","asset_smart_phone_value","co_applicant_age_1","co_applicant_relationship_1","co_applicant_years_of_stay_in_current_address_1","co_applicant_ntc_1","co_applicant_financial_status_1","co_applicant_name_of_bureau_1","co_applicant_bureau_score_1","co_applicant_bureau_pull_date_1","co_applicant_overdue_amount_1","co_applicant_dpd_0_6_months_1","co_applicant_dpd_6_12_months_1","co_applicant_bureau_sub_count_1","co_applicant_bureau_dbt_count_1","co_applicant_bureau_loss_count_1","co_applicant_bureau_write_off_count_1","co_applicant_bureau_settlement_count_1","co_applicant_bureau_suit_filed_count_1","co_applicant_bureau_willful_default_count_1","co_applicant_restructured_count_1","co_applicant_enquiries_last_3_months_1","co_applicant_active_credit_lines_count_1","co_applicant_age_2","co_applicant_relationship_2","co_applicant_years_of_stay_in_current_address_2","co_applicant_ntc_2","co_applicant_financial_status_2","co_applicant_name_of_bureau_2","co_applicant_bureau_score_2","co_applicant_bureau_pull_date_2","co_applicant_overdue_amount_2","co_applicant_dpd_0_6_months_2","co_applicant_dpd_6_12_months_2","co_applicant_bureau_sub_count_2","co_applicant_bureau_dbt_count_2","co_applicant_bureau_loss_count_2","co_applicant_bureau_write_off_count_2","co_applicant_bureau_settlement_count_2","co_applicant_bureau_suit_filed_count_2","co_applicant_bureau_willful_default_count_2","co_applicant_restructured_count_2","co_applicant_enquiries_last_3_months_2","co_applicant_active_credit_lines_count_2","borrower_maturity_age"],"payload":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area- Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Area - Rural/Semi-Urban/Urban based logic"],"key":"residence_area","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Monthly Income, >25000, pass"],"key":"household_monthly_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<=30 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years) >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 3 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_3 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months),\t<=60 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if no"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Household Annual Income, > 3 lakh, pass"],"key":"household_annual_income","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_3","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}],"payload":{"application_id":"MP040LE002867","current_node":"int","execute_next_node":"operations_run_multiple_policy_bre","age":35,"gender":"male","marital_status":"married","applicant_ntc":"no","household_monthly_income":50000,"household_annual_income":600000,"household_expenses":85700,"existing_emi_obligations":9041,"business_income":28300,"agriculture_income":0,"dairy_income":0,"foir":40,"eligible_emi":90531,"eligible_loan_amount":250000,"loan_utilization":"purchase of machinery/equipment","name_of_bureau":"crif","bureau_score":700,"bureau_pull_date":"1983-01-01","overdue_amount":0,"dpd_0_6_months":1,"bureau_sub_count":0,"bureau_dbt_count":0,"bureau_loss_count":0,"bureau_write_off_count":0,"bureau_settlement_count":0,"bureau_suit_filled_count":0,"bureau_willful_default_count":0,"restructured_count":0,"dpd_6_12_months":1,"enquiries_last_3_months":2,"active_credit_lines_count":1,"bank_statement_6m":1,"cheque_bounce_count_6m":0,"loan_amount":250000,"tenure":24,"interest_rate":31,"apr":34.14,"repayment_frequency":"monthly","loan_purpose":"business expansion","residence_area":"rural","residence_vintage_years":5,"residence_ownership":"owned","residence_to_branch_distance_km":10,"business_vintage_years":5,"asset_fridge_value":10000,"asset_air_conditioner_value":0,"asset_washing_machine_value":12000,"asset_tv_value":8000,"asset_smart_phone_value":20000,"co_applicant_age_1":30,"co_applicant_relationship_1":"father","co_applicant_years_of_stay_in_current_address_1":"","co_applicant_ntc_1":"no","co_applicant_financial_status_1":"financial","co_applicant_name_of_bureau_1":"crif","co_applicant_bureau_score_1":650,"co_applicant_bureau_pull_date_1":"2025-03-26","co_applicant_overdue_amount_1":0,"co_applicant_dpd_0_6_months_1":0,"co_applicant_dpd_6_12_months_1":0,"co_applicant_bureau_sub_count_1":0,"co_applicant_bureau_dbt_count_1":0,"co_applicant_bureau_loss_count_1":0,"co_applicant_bureau_write_off_count_1":0,"co_applicant_bureau_settlement_count_1":0,"co_applicant_bureau_suit_filed_count_1":0,"co_applicant_bureau_willful_default_count_1":0,"co_applicant_restructured_count_1":0,"co_applicant_enquiries_last_3_months_1":0,"co_applicant_active_credit_lines_count_1":3,"co_applicant_age_2":28,"co_applicant_relationship_2":"mother","co_applicant_years_of_stay_in_current_address_2":30,"co_applicant_ntc_2":"yes","co_applicant_financial_status_2":"financial","co_applicant_name_of_bureau_2":"crif","co_applicant_bureau_score_2":650,"co_applicant_bureau_pull_date_2":"2026-04-15","co_applicant_overdue_amount_2":0,"co_applicant_dpd_0_6_months_2":0,"co_applicant_dpd_6_12_months_2":0,"co_applicant_bureau_sub_count_2":0,"co_applicant_bureau_dbt_count_2":0,"co_applicant_bureau_loss_count_2":0,"co_applicant_bureau_write_off_count_2":0,"co_applicant_bureau_settlement_count_2":0,"co_applicant_bureau_suit_filed_count_2":0,"co_applicant_bureau_willful_default_count_2":0,"co_applicant_restructured_count_2":0,"co_applicant_enquiries_last_3_months_2":0,"co_applicant_active_credit_lines_count_2":0,"borrower_maturity_age":37}}}}}} [2026-06-18 17:48:06] INFO: row.api_response {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"vendor_loan_id":2,"http_status":200,"ok":true,"duration_ms":408,"response":{"Blacksoil-Navdhan":{"failed_condition":{"key":"co_applicant_relationship_3","reason":"father"},"policy_status":false,"rules":[{"against":["pass","equal"],"key":"age","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["63","greaterThanEqual"],"key":"borrower_maturity_age","log":[],"reason":"Passed: 63.0 greaterThanEqual 37","result":true,"source":37},{"against":["18","lessThanEqual"],"key":"co_applicant_age_2","log":[],"reason":"Passed: 18.0 lessThanEqual 28","result":true,"source":28},{"against":["18","lessThanEqual"],"key":"co_applicant_age_1","log":[],"reason":"Passed: 18.0 lessThanEqual 30","result":true,"source":30},{"against":["pass","equal"],"key":"gender","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_1","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":[["rural","semi-urban","urban"],"equal"],"key":"residence_area","log":[],"reason":"semi-urban","result":true,"source":"rural"},{"against":[["rural","semi-urban","urban"],"inList"],"key":"residence_area","log":[],"reason":"semi-urban","result":true,"source":"rural"},{"against":["1000","greaterThanEqual"],"key":"overdue_amount","log":[],"reason":"Passed: 1000.0 greaterThanEqual 0","result":true,"source":0},{"against":["25000","lessThan"],"key":"household_monthly_income","log":[],"reason":"Passed: 25000.0 lessThan 50000","result":true,"source":50000},{"against":["30","greaterThanEqual"],"key":"dpd_0_6_months","log":[],"reason":"Passed: 30.0 greaterThanEqual 1","result":true,"source":1},{"against":["3","lessThanEqual"],"key":"business_vintage_years","log":[],"reason":"Passed: 3.0 lessThanEqual 5","result":true,"source":5},{"against":["pass","equal"],"key":"co_applicant_maturity_age_2","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["36","lessThanEqual"],"key":"tenure","log":[],"reason":"Failed: 36.0 not lessThanEqual 24","result":false,"source":24},{"against":["pass","equal"],"key":"bureau_score","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["3","lessThanEqual"],"key":"residence_vintage_years","log":[],"reason":"Passed: 3.0 lessThanEqual 5","result":true,"source":5},{"against":["1","greaterThanEqual"],"key":"bank_statement_6m","log":[],"reason":"Passed: 1.0 greaterThanEqual 1","result":true,"source":1},{"against":["pass","equal"],"key":"co_applicant_maturity_age_3","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_maturity_age_1","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_2","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["pass","equal"],"key":"co_applicant_bureau_score_3","log":[],"reason":"Passed: pass equal pass","result":true,"source":"pass"},{"against":["3","greaterThanEqual"],"key":"active_credit_lines_count","log":[],"reason":"Passed: 3.0 greaterThanEqual 1","result":true,"source":1},{"against":["60","greaterThanEqual"],"key":"dpd_6_12_months","log":[],"reason":"Passed: 60.0 greaterThanEqual 1","result":true,"source":1},{"against":["no","equal"],"key":"applicant_ntc","log":[],"reason":"Passed: no equal no","result":true,"source":"no"},{"against":["0","greaterThanEqual"],"key":"cheque_bounce_count_6m","log":[],"reason":"Passed: 0.0 greaterThanEqual 0","result":true,"source":0},{"against":["5","greaterThanEqual"],"key":"enquiries_last_3_months","log":[],"reason":"Passed: 5.0 greaterThanEqual 2","result":true,"source":2},{"against":["300000","lessThan"],"key":"household_annual_income","log":[],"reason":"Passed: 300000.0 lessThan 600000","result":true,"source":600000},{"against":["30","lessThanEqual"],"key":"residence_to_branch_distance_km","log":[],"reason":"Failed: 30.0 not lessThanEqual 10","result":false,"source":10},{"against":["400000","greaterThanEqual"],"key":"loan_amount","log":[],"reason":"Passed: 400000.0 greaterThanEqual 250000","result":true,"source":250000},{"against":[["owned","ancestral","rent free"],"inList"],"key":"residence_ownership","log":[],"reason":"ancestral","result":true,"source":"owned"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_1","log":[],"reason":"father","result":true,"source":"father"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_3","log":[],"reason":"father","result":false,"source":"co_applicant_relationship_3"},{"against":[["son","father","mother","grandfather","grandmother","brother","uncle"],"inList"],"key":"co_applicant_relationship_2","log":[],"reason":"father","result":true,"source":"mother"}]},"status":false},"error":null} [2026-06-18 17:48:06] INFO: row.bre_decision_saved {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","row":1,"vendor_loan_id":2,"bre_decision_id":2,"status":"success","decision":null} [2026-06-18 17:48:06] INFO: evaluate.completed {"batch_id":"b0deb74e-cea4-4260-b380-86fc582cb39f","summary":{"total":1,"succeeded":1,"failed":0,"validation_failed":0,"skipped_duplicate":0}}