Product gapDetectedBlocked
No investments and insurance held
Karan Bhatia · Retail · C-10245
Trigger: Average balance ₹13.0 L with no investments and insurance on record
Potential value
₹2.6 L
Potential, not realised
Supporting evidence
Recorded facts are read directly from records; inferences are rule-derived
Recorded facts
- Latest monthly average balance ₹13.0 LCASA balances
- Products held: Savings AccountProduct holdings
Inferences
- Customer may hold investments and insurance elsewhere — not visible to the bankGap rule
Why it matters: A product gap is a conversation starter, not a confirmed need.
Why priority 36 (Blocked)
Weighted sum of transparent factors · weights set in Settings → Prioritisation
Urgency · No fixed deadline30 × 35% = 11
Potential value · Below ₹5 L35 × 25% = 9
Evidence quality · Needs validation35 × 20% = 7
Eligibility · Blocked by a restriction0 × 10% = 0
RM workload · 0 open actions for owner100 × 10% = 10
This is a ranking score, not a probability of conversion.
What remains uncertain
- External holdings are unknown
- Risk profile and suitability not assessed
Validate before proceeding
- Complete suitability / risk profiling
- Confirm customer interest before any proposal
Value assumption
Indicative only: 20% of latest average balance. Customer suitability not yet assessed.
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 is on Do-Not-Disturb
Not actionable until the failed check is resolved.
Recommended next action
Discuss needs at next contact — do not pitch a product
Owner
Lifecycle
Current status: Detected
Detected
Reviewed
Accepted
Actioned
Qualified
Converted