Smart Loan
Decisions
Our machine learning model analyzes 13 financial factors to predict loan approval.
Python·Flask·scikit-learn·Next.js
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Personal Information
Basic details about the primary applicant.
Family members financially dependent on you
How The Model Decides
Not all factors carry equal weight. Here's what matters most.
CIBIL Score29%
Your credit history is the single biggest factor. A score above 750 significantly improves your chances.
Banking History20%
How well you've managed your banking relationships matters more than you'd think.
Loan Amount15%
Smaller loans relative to your income are easier to get approved.
Income12%
Higher income demonstrates you have the capacity to repay.
Education8%
Higher education often correlates with employment stability.
Other factors16%
Gender, marital status, property area, and tenure each contribute less than 5%.