📋 Details bharo
Valid positive number daalo
0 ya usse bada number chahiye
Loan amount zaroori hai (0 se bada)
1️⃣ Bureau-style Score
–
–
–
2️⃣ Bank Underwriting
💳 Max loan mil sakta hai (estimate)–
📊 Approval probability–
💹 Estimated interest rate–
FOIR meter — lenders ka #1 filter
Aapka FOIR (naye EMI ke saath)–
Policy cap (profile ke hisaab se)–
Naya EMI (requested @ est. rate)–
Allowed EMI = (NMI × cap) − existing–
Income-multiplier check–
Verdict–
3️⃣ Score kis wajah se — factor-by-factor
4️⃣ 🎮 What-if Simulator — "kya hota agar..."
Neeche koi fix dabao — score, approval aur max loan turant update honge. (Yeh feature market apps mein nahi hai.)
5️⃣ Sahi Explanation — "reject kyun hoga?"
6️⃣ Improve karne ka plan (quantified)
7️⃣ Architecture & Compliance (transparency)
| Layer | Implementation |
|---|---|
| Modular core | ES modules: types · finance · regions · engine · crypto · store · a11y · app — single-file build via build.py |
| Backend | FastAPI + PostgreSQL (backend/) — sirf ciphertext store hota hai (client-side AES-256-GCM, PBKDF2-SHA256 120k iters); token SHA-256 hash se index; TLS + rate-limit notes |
| Type safety | // @ts-check + JSDoc typedefs; tsc -p tsconfig.json se compile-time check |
| a11y | WCAG 2.1 AA: focus trap dialog (Esc hamesha release), roving-tabindex tabs, arrow-key toolbar, skip link, aria-live readouts, prefers-reduced-motion |
| Persistence | Fallback chain: FastAPI → localStorage → memory (offline-safe demo) |
| Tests | sahi-final.test.js — amortization precision, 500-case fuzz, region parity, crypto round-trip, store chain |
📈 ROI metrics & market positioning
| Metric | Estimate |
|---|---|
| Rejection explanation (branch vs Sahi) | ~30 min → ~2 min (15× faster) |
| Score monitoring cost | Paid → ₹0/$0 (browser-first) |
| Thin-file addressable (IN) | ~200M+ first-time borrowers |
| Server PII surface | Zero — envelope-encrypted blobs only |
Sahi v5.0 · modular ES6 + FastAPI backend + WCAG a11y · GIBC V2 · Track 2 (FinTech)
⚠️ Guidance tool — asli bureau score nahi. Lender bank statements, bureau report aur apni policy se decide karta hai.