ECOBIN_ALTSCORE
ALTERNATIVE CREDIT INTELLIGENCE SYSTEM
✓ BUREAU BYPASS ENABLED
CIBIL SCORE: N/A → ALT: 742
742PRIME
ALTERNATIVE CREDIT SCORE
Computed from 6 non-traditional behavioural signals. This user is credit invisible to CIBIL but qualifies for microloans up to ₹75,000 based on rich UPI + gig + utility data.
UPI Frequency
88/100
Utility Payments
95/100
Gig Income Stability
72/100
Mobile Recharge Pattern
80/100
Social Graph Stability
65/100
Spend Consistency
77/100
📱
UPI Transaction Frequency
34/mo
Consistent high-frequency UPI usage for 18 months. 0 failed transactions.
↑ +8% vs last quarter · Score impact: +42pts
⚡
Utility Payment History
100%
24/24 months on-time electricity, water, gas payments. Zero defaults.
✓ Perfect record · Score impact: +55pts
🛵
Swiggy / Zomato Delivery
₹18,400
Verified gig income over last 6 months. Average ₹3,066/month.
↑ Growing trend · Score impact: +38pts
📶
Mobile Recharge Pattern
₹349
Consistent ₹349 monthly plan. Pre-paid with 0 lapses in 2 years.
Consistent tier · Score impact: +28pts
🏠
Rent Payment (UPI)
₹12,000
Monthly ₹12,000 rent paid via UPI to same recipient for 14 months.
Stable housing · Score impact: +35pts
⚠️
Negative Signal
3 NSF
3 insufficient fund events in last 12 months. Manageable risk flag.
Risk factor · Score impact: −24pts
PRE-APPROVED OFFERS 3 LENDERS
EcoBin MicroFinance
14.5% p.a. · 12 months · Instant
₹25,000
EMI: ₹2,241/mo
Kreditbee Partner
18% p.a. · 6 months · 2hr disbursal
₹15,000
EMI: ₹2,638/mo
EarlySalary
24% p.a. · 3 months · Instant
₹10,000
EMI: ₹3,526/mo
ℹ Max eligible: ₹75,000 based on your AltScore 742 + 18mo track record. Traditional CIBIL would deny all three offers.