Precision Lending Workspace

CrediLume

Smart Loan Intelligence

Get EMI, affordability, and approval guidance in seconds.

EMI Calculator Risk & Eligibility What-if Scenarios Smart Eligibility Insights

How It Works

Step 1: Enter loan + profile details Input

Step 2: Calculate EMI, totals, and risk Analyze

Step 3: Get smart actions to improve approval Improve

Loan setup

Configure your loan parameters

Loan amount

₹

Tenure

1 year 10 years / 120 months 30 years

Interest rate (APR)

10%

Low 9.0%

Avg 12.0%

High 18.0%

Personal loan bracket: 10.0% - 24.0%

Applicant profile

Age

Gender

Loan type

Profile

Annual income

₹

Credit score

No data stored Bank-standard formula No credit check

Monthly EMI

Live updates as you adjust inputs

—

Enter loan details to calculate

Total payable

—

Total interest

—

You'll see totals once inputs are valid.

Can you afford this?

Add income

EMI vs your income

Add income to see EMI as % of monthly income.

Recommended safe EMI

Add income to estimate safe EMI.

What can improve your approval?

Top changes that could raise your approval chance

If you…	Approval chance
Enter valid inputs to compare change options.

Your action plan

Why this result

What to do next

Target DTI

Below 35%

Target credit score

700+

Safe EMI max

Waiting for analysis

30 days

Submit form to see your 30-day steps.

60 days

Submit form to see your 60-day milestones.

90 days

Submit form to see your 90-day plan.

Advanced Insights & Analysis

📊 AI-powered analysis: confidence, factors, optimization & stress testing

Analysis pending Input check: Waiting

Approval chance & confidence scores update after analysis.

✨ Best single change

Enter valid inputs to see the most impactful next move.

💰 Savings opportunity

Enter loan details to estimate interest savings.

📈 Rate stress test

+2.0%

Slide to see EMI impact if rates rise.

📊 Principal vs Interest

Principal

Interest

Enter details to see breakdown

📅 Repayment schedule

Month	EMI	Principal	Interest	Balance

First 24 months breakdown. Enter valid loan details to populate.

How is EMI calculated?

Standard amortized-loan formula used by banks worldwide:

EMI = P × r(1+r)ⁿ (1+r)ⁿ − 1

P = Principal • r = Monthly rate • n = Tenure (months)

FarmiLume

Tailored Alternative Credit Scoring for Agriculture

Seasonal cash-flow aware Alternative credit signals Demo-ready insights

Farm Details

Farmer profile & production signals

Agri-Loan

Age

Farming Experience (Years)

Land Size (Acres)

Harvests per Year

Crop Type

Irrigation Type

Yield per Acre (Quintals)

Market Price per Quintal

Previous Loan Repayment History

Seasonal Expense Estimate

Existing Debt

Loan Details

Amount, tenure, and purpose

Loan Amount

₹

Interest Rate (APR) 10.0%

7.0%11.0%18.0%

Seeds bracket: 7.0% - 13.5%

Tenure (Months) 24 months

64584

Purpose of Loan

Input Check: 0/14 fields complete

Quick guide

Update your farm and loan details, then click Evaluate Agri-Loan to view your latest score and guidance.

Agri Loan Summary

Seasonal affordability snapshot

Your seasonal cash-flow and safe limit will appear here after evaluation.

Last evaluated: Not yet

Estimated Seasonal Income

₹—

Estimated Annual Farm Income

₹—

Seasonal EMI (per harvest)

₹—

Total Repayment

₹—

Net Disposable Income (after expenses + debt)

₹—

Recommended Safe Loan Limit

₹—

Alternative Credit Score

Personalised farm eligibility score

Score

—%

Submit your details to view approval chance and best-fit loan guidance.

GROWINGBALANCEDSTRONGVERY STRONG

Agri-Insights

Crop recommendations and farm-strength insights

Farm Stability Overview

Farm stability overview will appear here after evaluation.

Crop Recommendation

Crop recommendations will appear here after evaluation.

Repayment Capacity

Repayment capacity insights will appear here after evaluation.

Eligibility Summary

Eligibility summary will appear here after evaluation.

Smart Suggestion