Loan renewalDetectedHigh · 70
Home Loan renewal due in 53 days
Aditya Kapoor · Retail · C-10243
Trigger: Home Loan of ₹42.0 L renews 30 Aug 2026
Potential value
₹42.0 L
Potential, not realised
Supporting evidence
Recorded facts are read directly from records; inferences are rule-derived
Recorded facts
- Home Loan: ₹42.0 L at 8.6%Loan record
- Renewal date 30 Aug 2026Loan record
Why it matters: Renewal requires documentation in advance. Late renewal risks lapse of the facility.
Why priority 70 (High)
Weighted sum of transparent factors · weights set in Settings → Prioritisation
Urgency · Event in 53 days40 × 35% = 14
Potential value · ₹20 L – ₹50 L70 × 25% = 18
Evidence quality · Recorded90 × 20% = 18
Eligibility · All checks passed100 × 10% = 10
RM workload · 0 open actions for owner100 × 10% = 10
This is a ranking score, not a probability of conversion.
What remains uncertain
- Updated financials not yet received
- Customer's appetite for enhancement unknown
Validate before proceeding
- Collect latest financial statements
- Re-run credit assessment per policy
Value assumption
Equal to the existing sanctioned amount at renewal. Any enhancement is not included.
Prepare action
Drafts are for RM review — ProspectIQ never sends messages
Accept the recommendation to prepare drafts.
Notes & action history
History
Detected by rule on 8 Jul 2026. No actions yet.
Eligibility & contact checks
Bank restrictions applied before acting
KYC
KYC is valid
Contact consent
Customer consents to RM contact
Credit risk
No credit risk flags on record
Recommended next action
Request renewal documents and schedule review
Owner
Lifecycle
Current status: Detected
Detected
Reviewed
Accepted
Actioned
Qualified
Converted