NAADIनाड़ी
MSME-2401T1 UPI-first thin file

Chandra Kirana Stores

Kirana / General Store · Retail Trade · Indore, MP · 6 yrs · 1 on payroll

“New-to-credit neighbourhood store. No audited financials, no bureau file — but a vivid daily UPI pulse and six years of steady trade.”

Proprietor
Ramesh Chandra
Monthly turnover (6-mo avg)
₹4,94,767
beats 78% of Retail Trade peers82th percentile, all MSMEs
300400500600700800900
300± 40
APD 12m · 1.4%
Munshi recommends
Approve
₹9.2 L
working-capital line · ₹9,20,000
Tenor
36 mo
Rate
11.0%
EMI room
₹37,743
verified monthly surplus ₹75,486
⚖ Liquidity floor: buffer < 15 days — limit reduced 20%

The NAADI six — dimension radar

L · Liquidity+7.3
83 /100

Can the business absorb a shock this month?

S · Stability+20.9
88 /100

How steady is the cash engine?

G · Growth-7.7
66 /100

Which direction is the business moving?

R · Repayment+1.1
90 /100

Does it honour its obligations?

C · Compliance+88.2
82 /100

Is the regulatory house in order?

K · Concentration+25.9
83 /100

How fragile is the revenue base?

Score trajectory — 12-month rolling rescore

▲ 2 pts over 12 mo

Each point is the score NAADI would have produced with only the data visible that month — deterioration surfaces quarters before a default.

GST turnover · 24 mo

₹5.0 L

UPI inflow · 24 mo

₹3.8 L

Account balance · 24 mo

₹31,744

Score, assembled — the waterfall

base 626 + six dimensions = 762
Peer base
626
Compliance
+88
Concentration
+26
Stability
+21
Liquidity
+7
Repayment
+1
Growth
-8
NAADI score
762

Reason codes — why this score

TreeSHAP · score points
RC-C05
Compliance — EPFO deposit regularity of 100%; 22 consecutive months of on-time GST filing
+88.2
RC-K06
Concentration — refund/reversal rate of 0.9%; top-3 payers at 13% of revenue
+25.9
RC-S02
Stability — seasonal swing of 53% around mean revenue; turnover volatility of 14%
+20.9
RC-L01
Liquidity — worst-decile balance at 5% of monthly outflow; 0 end-of-day negative balance days
+7.3
RC-R04
Repayment — 0 EMI/NACH bounce(s) in 12 months; existing obligations at 8.7% of turnover
+1.1
RC-G03
Growth — new-customer acquisition at 13.8%/month; payroll wage growth of +5.9%
-7.7

Officer review — the human decides

demo-local audit

Munshi recommends Approve. Every NAADI decision terminates at a human gate.

Red flags on the wire

  • ▲ Turnover declining 2.2%/month over 6 months

Stress lab

rescored, not guessed
Revenue shock −20% for two quarters759 A-3
Anchor payer delays receipts by 60 days745 A-17

What-if — the path to a better score

Counterfactuals over actionable levers only. Shown to the borrower — a decline is never a dead end.

File GSTR-3B on time for the next 3 months+24 pts → 786
Hold a 30-day cash buffer in the current account+23 pts → 785

Early-warning triggers armed

  • ● 3-month turnover drawdown > 25% vs trailing average
  • ● Two consecutive delayed GSTR-3B filings
  • ● End-of-day negative balance on > 5 days in any month

Sensitivity lab — drag a lever, the brain answers

1-D partial dependence · precomputed through the trained model · one lever at a time
GSTR-3B filing delay0.2 days
EMI/NACH bounces (12m)0 count
Top-payer share2%
Cash buffer2.1 days
current score
762
touch a lever to project

Underwriting memo — drafted by Munshi

LLM writes prose · engine writes numbers

Underwriting Memo — Chandra Kirana Stores

Retail Trade · Indore, MP · 6 yrs vintage · Data tier T1 · Proprietor: Ramesh Chandra

NAADI Score: 762 ± 40 (Grade A) · PD(12m) 1.4% · Fast-track approve

Recommendation: Approve

Working-capital line of ₹920,000 over 36 months at an indicative 11.0% p.a. Serviceable EMI ₹37,743 against a verified monthly surplus of ₹75,486.

Why (evidence-linked)

  • +88.2 pts · Compliance — EPFO deposit regularity of 100%; 22 consecutive months of on-time GST filing [RC-C05]
  • +25.9 pts · Concentration — refund/reversal rate of 0.9%; top-3 payers at 13% of revenue [RC-K06]
  • +20.9 pts · Stability — seasonal swing of 53% around mean revenue; turnover volatility of 14% [RC-S02]
  • -7.7 pts · Growth — new-customer acquisition at 13.8%/month; payroll wage growth of +5.9% [RC-G03]

Policy guards applied

  • Liquidity floor: buffer < 15 days — limit reduced 20%

Covenants

  • Maintain minimum average balance of 15 days' outflow
  • File GSTR-3B on or before due date throughout the loan tenor
  • Route >= 60% of business receipts through the IDBI current account

Early-warning triggers

  • 3-month turnover drawdown > 25% vs trailing average
  • Two consecutive delayed GSTR-3B filings
  • End-of-day negative balance on > 5 days in any month

Prepared by Munshi. Every figure traces to a consented data rail; final authority rests with the sanctioning officer.