Credit Worthiness

Cautious plc is in the business of providing credit to individuals
They have recently compiled data on their existing customers

They wish to Objective
a) Develop a good model for predicting defaults on
payments by their customers
And
b) Simplify the data system by reducing the number of
variables to be studied, without sacrificing too much of
accuracy
Cautious plc will use the model to
a) Take credit decisions pertaining to individuals
b) As an early warning system for potential defaults
Variables Data Type
Cbal CATEGORICAL
Cdur NUMERICAL
Chist CATEGORICAL
Cpur CATEGORICAL
Camt NUMERICAL
Sbal CATEGORICAL
Edur CATEGORICAL
InRate NUMERICAL
MSG CATEGORICAL
Oparties CATEGORICAL
Rdur CATEGORICAL
Prop CATEGORICAL
Age NUMERICAL
InPlans CATEGORICAL
Htype CATEGORICAL
NumCred NUMERICAL
JobType CATEGORICAL
Ndepend NUMERICAL
Tel CATEGORICAL
Foreign CATEGORICAL
CreditScore CATEGORICAL
Description
Balance in the checking account in Rs. (rupees) but as part of categories
The
The duration
pattern ofofcredit
the credit
dues in monthsover
payment (numerical)
time, whether the borrower has paid his monthly dues promptly , has
fallen behind currently or in the past, or in a critical state.
Purpose of the loan – for a variety of needs from vehicles, furniture to housing
The actual amount under credit/loan in Rs. (rupees) (numerical)
Balance inofthe
Duration savings bank
employment, account
need in Rs. (rupees)
to understand from but as part of
borrower's categoriesif he is unemployed or employed, if
background
employed then for how many years.
The instalment rate provided as percentage of disposable income (we do not know what the disposable income
could mean here and is best to take the rate as is.) (numerical)
MSG (marital status and gender) informs us on the person’s gender and current status.
Other parties i.e. the presence of a guarantor or co-applicant to the loan/credit
Duration in current
Other properties residence
that in years
the person but Note
possess. as part of categories
: Person could possess a car/similar property in addition to the
ones under Cpur
Age of the borrower
Other instalment plans that the borrower may have i.e from another bank or stores
Type of housing, whether the borrower owns the property, pays rent or lives for free.
Number of existing credits at the bank (numerical)
Type of job the borrower is employed in whether skilled or unskilled, management or self employed etc.
Number of dependents (numerical)
If the borrower has a telephone number or not ?
If the borrower is foreign worker or not ?
Chances of borrower closing his credit promptly, Categorised as ‘Good’ and ‘Bad’
Cbal Cdur Chist Cpur Camt Sbal Edur InRate
0 <= Rs. < 2000 9 all settled till now Business 13790 Rs. < 1000 1 to 4 years 2
0 <= Rs. < 2000 15 dues not paid earlier electronics 15250 no savings account more than 7 years 4
0 <= Rs. < 2000 36 none taken/all settledBusiness 19410 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 48 none taken/all settledBusiness 144090 Rs. < 1000 1 to 4 years 2
no checking account 24 all settled till now electronics 31690 Rs. < 1000 less than 1 year 4
no checking account 27 all settled till now renovation 51780 no savings account more than 7 years 4
0 <= Rs. < 2000 12 all settled till now second hand vehicle 9950 Rs. >= 10,000 1 to 4 years 4
no checking account 36 all settled till now education 18070 Rs. < 1000 1 to 4 years 4
no checking account 36 all settled till now electronics 23820 no savings account 1 to 4 years 4
no checking account 36 all settled till now new vehicle 81210 Rs. < 1000 1 to 4 years 1
no checking account 7 dues not paid earlier electronics 7180 no savings account more than 7 years 4
Rs. < 0 8 dues not paid earlier miscellaneous 11520 Rs. < 1000 more than 7 years 3
0 <= Rs. < 2000 42 dues not paid earlier Business 59420 Rs. < 1000 4 to 7 years 2
Rs. < 0 36 all settled till now education 19650 no savings account more than 7 years 4
Rs. < 0 12 dues not paid earlier new vehicle 15140 Rs. < 1000 more than 7 years 4
Rs. < 0 42 all settled till now electronics 39530 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 11 all settled till now electronics 47590 Rs. < 1000 4 to 7 years 2
no checking account 54 none taken/all settlednew vehicle 94240 no savings account 1 to 4 years 2
0 <= Rs. < 2000 30 all settled till now furniture 38200 Rs. < 1000 less than 1 year 2
no checking account 24 all settled till now electronics 59310 no savings account less than 1 year 1
no checking account 15 all settled till now electronics 12010 5000 <= Rs. < 10,000 more than 7 years 4
no checking account 18 all settled till now Business 15560 1000 <= Rs. < 5,000 1 to 4 years 3
Rs. < 0 24 all settled till now miscellaneous 17430 Rs. < 1000 more than 7 years 4
Rs. < 0 10 all settled till now electronics 23030 Rs. < 1000 more than 7 years 3
no checking account 12 dues not paid earlier Business 14000 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 18 dues not paid earlier furniture 12830 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 36 all settled till now education 126000 1000 <= Rs. < 5,000 1 to 4 years 1
Rs. < 0 18 all settled till now second hand vehicle 22370 1000 <= Rs. < 5,000 4 to 7 years 4
Rs. < 0 12 none taken/all settledrenovation 10960 Rs. < 1000 4 to 7 years 4
no checking account 12 dues not paid earlier electronics 6060 Rs. < 1000 more than 7 years 4
Rs. >=2000 24 dues not paid earlier furniture 36050 no savings account more than 7 years 4
0 <= Rs. < 2000 12 all settled till now second hand vehicle 13060 Rs. >= 10,000 more than 7 years 4
0 <= Rs. < 2000 54 none taken/all settledBusiness 159330 Rs. < 1000 less than 1 year 3
no checking account 12 dues not paid earlier education 20000 no savings account 4 to 7 years 4
0 <= Rs. < 2000 18 all settled till now Business 26100 1000 <= Rs. < 5,000 1 to 4 years 4
0 <= Rs. < 2000 36 dues not paid earlier electronics 23250 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 20 all settled till now new vehicle 70450 no savings account 4 to 7 years 3
no checking account 24 all settled till now second hand vehicle 14570 1000 <= Rs. < 5,000 more than 7 years 4
no checking account 6 all settled till now electronics 9200 Rs. < 1000 1 to 4 years 3
0 <= Rs. < 2000 9 dues not paid earlier furniture 19070 Rs. < 1000 4 to 7 years 4
no checking account 12 all settled till now new vehicle 24330 no savings account less than 1 year 2
0 <= Rs. < 2000 24 dues not paid earlier miscellaneous 119260 Rs. < 1000 1 to 4 years 2
no checking account 18 all settled second hand vehicle 64460 Rs. < 1000 more than 7 years 2
0 <= Rs. < 2000 12 all settled till now second hand vehicle 60660 Rs. < 1000 4 to 7 years 2
Rs. < 0 24 all settled till now furniture 77090 no savings account less than 1 year 1
0 <= Rs. < 2000 14 all settled till now Business 13980 5000 <= Rs. < 10,000 more than 7 years 1
Rs. >=2000 15 all settled till now education 3800 Rs. < 1000 less than 1 year 4
no checking account 36 dues not paid earlier second hand vehicle 78430 Rs. < 1000 1 to 4 years 4
Rs. < 0 12 all settled till now electronics 16680 5000 <= Rs. < 10,000 more than 7 years 3
Rs. < 0 42 all settled till now electronics 71620 no savings account 4 to 7 years 4
Rs. < 0 10 dues not paid earlier furniture 21200 no savings account less than 1 year 2
Rs. < 0 33 dues not paid earlier furniture 42690 5000 <= Rs. < 10,000 1 to 4 years 1
0 <= Rs. < 2000 12 dues not paid earlier second hand vehicle 23540 5000 <= Rs. < 10,000 4 to 7 years 3
Rs. < 0 21 all settled till now electronics 18230 Rs. < 1000 1 to 4 years 3
no checking account 24 dues not paid earlier new vehicle 38560 Rs. < 1000 more than 7 years 4
no checking account 12 all settled till now furniture 17560 Rs. < 1000 1 to 4 years 3
Rs. >=2000 10 dues not paid earlier second hand vehicle 7690 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 18 all settled till now furniture 19120 no savings account less than 1 year 4
Rs. < 0 12 dues not paid earlier second hand vehicle 21090 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 12 all settled till now renovation 6270 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 12 dues not paid earlier new vehicle 18480 Rs. < 1000 not employed 4
0 <= Rs. < 2000 48 all settled till now second hand vehicle 84750 no savings account 4 to 7 years 1
Rs. < 0 36 all settled till now education 68750 Rs. < 1000 1 to 4 years 4
no checking account 15 all settled till now furniture 26960 Rs. < 1000 less than 1 year 2
no checking account 60 all settled till now electronics 101320 1000 <= Rs. < 5,000 4 to 7 years 2
no checking account 27 all settled till now new vehicle 86010 Rs. >= 10,000 1 to 4 years 2
0 <= Rs. < 2000 12 all settled till now electronics 7540 5000 <= Rs. < 10,000 1 to 4 years 4
0 <= Rs. < 2000 15 dues not paid earlier electronics 27160 no savings account 4 to 7 years 4
Rs. >=2000 12 all settled till now electronics 18690 Rs. < 1000 1 to 4 years 2
Rs. >=2000 6 all settled till now second hand vehicle 6970 Rs. >= 10,000 less than 1 year 2
0 <= Rs. < 2000 36 all settled till now electronics 47830 Rs. < 1000 less than 1 year 4
Rs. < 0 18 all settled till now furniture 24500 Rs. < 1000 1 to 4 years 2
no checking account 21 dues not paid earlier furniture 22760 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 48 all settled Business 35540 1000 <= Rs. < 5,000 4 to 7 years 4
Rs. < 0 6 dues not paid earlier second hand vehicle 8480 Rs. < 1000 more than 7 years 1
no checking account 12 dues not paid earlier second hand vehicle 6700 1000 <= Rs. < 5,000 4 to 7 years 4
Rs. < 0 36 dues not paid earlier furniture 53590 Rs. < 1000 1 to 4 years 3
no checking account 18 dues not paid earlier electronics 15700 Rs. >= 10,000 more than 7 years 4
0 <= Rs. < 2000 24 dues not paid earlier new vehicle 77460 Rs. >= 10,000 more than 7 years 2
Rs. < 0 9 dues not paid earlier renovation 12760 1000 <= Rs. < 5,000 more than 7 years 3
Rs. < 0 12 all settled retaining 3270 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 24 all settled till now second hand vehicle 35000 1000 <= Rs. < 5,000 4 to 7 years 2
no checking account 6 dues not paid earlier electronics 18860 no savings account 1 to 4 years 1
no checking account 24 dues not paid earlier electronics 28600 1000 <= Rs. < 5,000 more than 7 years 3
no checking account 18 dues not paid earlier second hand vehicle 10430 Rs. < 1000 less than 1 year 4
no checking account 15 all settled till now domestic needs 12500 5000 <= Rs. < 10,000 4 to 7 years 4
0 <= Rs. < 2000 10 all settled till now second hand vehicle 72960 Rs. < 1000 not employed 2
no checking account 6 all settled till now furniture 29660 5000 <= Rs. < 10,000 1 to 4 years 1
Rs. < 0 18 all settled till now furniture 11190 Rs. < 1000 not employed 4
0 <= Rs. < 2000 11 all settled till now furniture 15650 Rs. >= 10,000 less than 1 year 4
0 <= Rs. < 2000 24 dues not paid earlier Business 19230 Rs. < 1000 more than 7 years 4
Rs. < 0 15 none taken/all settledsecond hand vehicle 9380 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 24 all settled till now furniture 20520 Rs. < 1000 not employed 3
Rs. < 0 21 all settled till now education 34020 Rs. < 1000 less than 1 year 2
no checking account 30 all settled new vehicle 74730 no savings account not employed 4
Rs. < 0 6 dues not paid earlier electronics 3260 5000 <= Rs. < 10,000 more than 7 years 4
no checking account 36 all settled till now Business 95600 Rs. < 1000 less than 1 year 1
Rs. < 0 21 all settled second hand vehicle 16350 no savings account 1 to 4 years 4
no checking account 24 dues not paid earlier furniture 37650 Rs. >= 10,000 1 to 4 years 4
0 <= Rs. < 2000 18 dues not paid earlier second hand vehicle 8720 Rs. < 1000 more than 7 years 4
no checking account 15 dues not paid earlier electronics 13480 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 9 all settled new vehicle 51170 Rs. < 1000 more than 7 years 2
0 <= Rs. < 2000 16 dues not paid earlier second hand vehicle 11630 Rs. < 1000 not employed 2
Rs. < 0 12 all settled till now electronics 6620 1000 <= Rs. < 5,000 4 to 7 years 4
0 <= Rs. < 2000 18 none taken/all settledfurniture 32320 Rs. < 1000 1 to 4 years 1
no checking account 24 all settled till now Business 45790 Rs. >= 10,000 1 to 4 years 2
0 <= Rs. < 2000 48 none taken/all settledBusiness 38320 1000 <= Rs. < 5,000 4 to 7 years 4
0 <= Rs. < 2000 9 dues not paid earlier education 14890 Rs. < 1000 more than 7 years 2
0 <= Rs. < 2000 12 all settled till now furniture 9390 1000 <= Rs. < 5,000 less than 1 year 4
0 <= Rs. < 2000 24 all settled till now new vehicle 27480 no savings account more than 7 years 4
0 <= Rs. < 2000 18 all settled till now furniture 42850 Rs. < 1000 more than 7 years 4
no checking account 9 dues not paid earlier education 9240 5000 <= Rs. < 10,000 more than 7 years 4
Rs. < 0 12 all settled till now second hand vehicle 11560 Rs. < 1000 1 to 4 years 4
no checking account 27 all settled till now Business 51050 Rs. < 1000 4 to 7 years 3
Rs. < 0 12 all settled till now retaining 8900 Rs. < 1000 4 to 7 years 4
no checking account 12 dues not paid earlier second hand vehicle 14830 Rs. < 1000 more than 7 years 4
no checking account 12 dues not paid earlier furniture 19230 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 12 dues not paid earlier domestic needs 14120 Rs. < 1000 4 to 7 years 4
Rs. < 0 24 all settled till now Business 65560 Rs. < 1000 1 to 4 years 2
no checking account 36 all settled till now electronics 38230 no savings account more than 7 years 2
Rs. < 0 27 none taken/all settledBusiness 52810 Rs. < 1000 not employed 2
Rs. >=2000 30 all settled till now Business 18960 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 6 dues not paid earlier retaining 9200 no savings account 4 to 7 years 1
Rs. < 0 18 none taken/all settledBusiness 30920 Rs. < 1000 4 to 7 years 3
no checking account 10 all settled till now second hand vehicle 13520 Rs. < 1000 1 to 4 years 2
Rs. < 0 12 all settled till now education 11880 no savings account 1 to 4 years 4
no checking account 24 all settled till now Business 29660 no savings account 1 to 4 years 4
no checking account 36 none taken/all settledrenovation 26010 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 48 all settled till now electronics 109490 Rs. >= 10,000 4 to 7 years 1
Rs. < 0 12 all settled till now furniture 78530 Rs. < 1000 more than 7 years 4
Rs. < 0 24 all settled till now furniture 31370 Rs. < 1000 less than 1 year 4
Rs. < 0 24 all settled till now electronics 18110 Rs. < 1000 not employed 4
0 <= Rs. < 2000 6 all settled till now second hand vehicle 145430 no savings account not employed 1
Rs. < 0 24 all settled till now second hand vehicle 9030 no savings account more than 7 years 4
Rs. < 0 48 none taken/all settlednew vehicle 45930 Rs. < 1000 more than 7 years 3
no checking account 12 all settled retaining 34350 5000 <= Rs. < 10,000 1 to 4 years 4
no checking account 6 none taken/all settledsecond hand vehicle 11920 1000 <= Rs. < 5,000 1 to 4 years 4
Rs. >=2000 24 all settled till now furniture 19130 Rs. < 1000 1 to 4 years 2
no checking account 18 all settled till now electronics 4210 Rs. < 1000 not employed 3
Rs. < 0 6 dues not paid earlier second hand vehicle 6540 Rs. >= 10,000 4 to 7 years 3
0 <= Rs. < 2000 9 all settled till now furniture 20180 no savings account 4 to 7 years 2
0 <= Rs. < 2000 60 all settled till now electronics 74060 no savings account 1 to 4 years 1
Rs. < 0 12 all settled electronics 21370 Rs. < 1000 1 to 4 years 4
no checking account 15 all settled till now new vehicle 38000 1000 <= Rs. < 5,000 less than 1 year 1
no checking account 11 dues not paid earlier electronics 11420 1000 <= Rs. < 5,000 not employed 4
no checking account 12 dues not paid earlier education 27360 Rs. < 1000 more than 7 years 2
0 <= Rs. < 2000 15 all settled till now electronics 7900 Rs. < 1000 more than 7 years 4
no checking account 36 dues not paid earlier Business 62920 no savings account more than 7 years 4
Rs. < 0 14 all settled till now second hand vehicle 89660 Rs. < 1000 more than 7 years 1
no checking account 18 all settled till now second hand vehicle 26500 no savings account 4 to 7 years 4
no checking account 12 dues not paid earlier furniture 13900 5000 <= Rs. < 10,000 4 to 7 years 3
0 <= Rs. < 2000 48 all settled second hand vehicle 121570 no savings account not employed 4
Rs. < 0 30 all settled till now renovation 119860 Rs. < 1000 less than 1 year 1
Rs. < 0 12 all settled till now furniture 12500 no savings account more than 7 years 2
no checking account 15 dues not paid earlier new vehicle 33560 Rs. >= 10,000 more than 7 years 3
Rs. >=2000 18 all settled electronics 14330 no savings account 4 to 7 years 4
no checking account 15 dues not paid earlier furniture 15080 no savings account more than 7 years 4
0 <= Rs. < 2000 24 dues not paid earlier second hand vehicle 38660 1000 <= Rs. < 5,000 less than 1 year 4
Rs. < 0 47 all settled till now second hand vehicle 107100 Rs. < 1000 less than 1 year 1
Rs. < 0 48 all settled till now new vehicle 47760 Rs. < 1000 4 to 7 years 4
0 <= Rs. < 2000 48 all settled till now miscellaneous 75700 1000 <= Rs. < 5,000 not employed 2
0 <= Rs. < 2000 36 all settled till now new vehicle 93860 Rs. < 1000 less than 1 year 1
Rs. >=2000 42 dues not paid earlier new vehicle 47840 Rs. < 1000 more than 7 years 4
no checking account 10 all settled till now second hand vehicle 12750 no savings account more than 7 years 4
0 <= Rs. < 2000 21 dues not paid earlier furniture 27330 Rs. >= 10,000 4 to 7 years 3
no checking account 6 all settled till now second hand vehicle 6600 Rs. < 1000 not employed 1
0 <= Rs. < 2000 36 none taken/all settledelectronics 37920 Rs. < 1000 1 to 4 years 4
Rs. >=2000 24 dues not paid earlier second hand vehicle 13320 no savings account 4 to 7 years 4
no checking account 6 all settled till now furniture 15310 Rs. >= 10,000 1 to 4 years 4
no checking account 30 all settled till now new vehicle 47990 no savings account 4 to 7 years 2
Rs. < 0 12 all settled till now electronics 7150 1000 <= Rs. < 5,000 less than 1 year 4
0 <= Rs. < 2000 8 all settled till now furniture 12250 Rs. < 1000 1 to 4 years 3
0 <= Rs. < 2000 48 all settled till now miscellaneous 53690 no savings account not employed 3
Rs. >=2000 24 all settled till now furniture 37370 Rs. < 1000 less than 1 year 2
Rs. >=2000 4 all settled till now second hand vehicle 14820 no savings account less than 1 year 1
Rs. < 0 36 all settled furniture 27340 Rs. < 1000 more than 7 years 4
no checking account 12 dues not paid earlier education 6890 Rs. < 1000 1 to 4 years 4
Rs. < 0 18 all settled till now furniture 26470 Rs. >= 10,000 1 to 4 years 4
no checking account 12 dues not paid earlier furniture 57890 no savings account more than 7 years 2
no checking account 24 all settled till now second hand vehicle 15130 Rs. >= 10,000 4 to 7 years 4
Rs. >=2000 36 all settled till now electronics 44610 Rs. < 1000 more than 7 years 4
Rs. < 0 24 dues not paid earlier new vehicle 66030 Rs. < 1000 not employed 2
no checking account 18 dues not paid earlier education 18520 1000 <= Rs. < 5,000 1 to 4 years 4
0 <= Rs. < 2000 60 all settled till now second hand vehicle 73960 1000 <= Rs. < 5,000 less than 1 year 4
no checking account 48 dues not paid earlier new vehicle 115780 1000 <= Rs. < 5,000 1 to 4 years 2
Rs. < 0 24 none taken/all settledfurniture 40980 Rs. < 1000 more than 7 years 3
Rs. < 0 15 all settled till now domestic needs 12630 no savings account 1 to 4 years 4
0 <= Rs. < 2000 24 dues not paid earlier education 57310 Rs. < 1000 less than 1 year 2
0 <= Rs. < 2000 18 all settled till now electronics 32010 5000 <= Rs. < 10,000 less than 1 year 1
0 <= Rs. < 2000 18 all settled till now Business 44270 Rs. < 1000 more than 7 years 1
Rs. >=2000 10 all settled till now second hand vehicle 39370 Rs. < 1000 less than 1 year 1
0 <= Rs. < 2000 13 dues not paid earlier electronics 8700 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 24 all settled till now electronics 37460 5000 <= Rs. < 10,000 not employed 1
0 <= Rs. < 2000 9 dues not paid earlier education 11240 Rs. >= 10,000 more than 7 years 4
no checking account 9 all settled till now domestic needs 12240 Rs. < 1000 less than 1 year 1
no checking account 18 dues not paid earlier new vehicle 32170 no savings account not employed 2
Rs. < 0 12 none taken/all settledelectronics 61870 Rs. < 1000 1 to 4 years 4
no checking account 10 all settled till now education 7150 5000 <= Rs. < 10,000 more than 7 years 4
0 <= Rs. < 2000 24 all settled till now second hand vehicle 12340 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 18 all settled till now education 12270 no savings account 1 to 4 years 4
Rs. >=2000 12 all settled till now electronics 33870 no savings account more than 7 years 2
Rs. >=2000 12 all settled till now second hand vehicle 22350 Rs. < 1000 1 to 4 years 2
no checking account 18 dues not paid earlier new vehicle 38380 Rs. < 1000 4 to 7 years 3
no checking account 60 dues not paid earlier second hand vehicle 137440 no savings account more than 7 years 2
0 <= Rs. < 2000 60 all settled miscellaneous 147700 1000 <= Rs. < 5,000 more than 7 years 3
Rs. < 0 48 all settled Business 76730 Rs. < 1000 4 to 7 years 2
no checking account 18 all settled till now electronics 23080 Rs. < 1000 not employed 2
0 <= Rs. < 2000 36 all settled till now second hand vehicle 143060 Rs. < 1000 more than 7 years 4
Rs. < 0 20 all settled till now furniture 22000 no savings account 4 to 7 years 4
0 <= Rs. < 2000 18 all settled till now new vehicle 129640 Rs. < 1000 not employed 3
Rs. >=2000 12 all settled till now second hand vehicle 13180 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 18 dues not paid earlier furniture 73620 Rs. < 1000 not employed 4
0 <= Rs. < 2000 15 dues not paid earlier Business 23140 5000 <= Rs. < 10,000 1 to 4 years 2
0 <= Rs. < 2000 12 all settled till now furniture 9710 Rs. >= 10,000 less than 1 year 1
Rs. < 0 6 dues not paid earlier electronics 19450 Rs. < 1000 4 to 7 years 1
no checking account 9 dues not paid earlier furniture 23940 Rs. < 1000 not employed 2
0 <= Rs. < 2000 39 all settled till now education 117480 1000 <= Rs. < 5,000 4 to 7 years 2
no checking account 24 dues not paid earlier electronics 15040 Rs. >= 10,000 1 to 4 years 4
0 <= Rs. < 2000 18 dues not paid earlier Business 18750 no savings account 1 to 4 years 4
no checking account 24 all settled till now Business 86360 Rs. < 1000 less than 1 year 2
0 <= Rs. < 2000 18 all settled till now second hand vehicle 28870 no savings account more than 7 years 4
no checking account 24 dues not paid earlier new vehicle 21850 no savings account 4 to 7 years 4
Rs. >=2000 12 dues not paid earlier second hand vehicle 9270 5000 <= Rs. < 10,000 4 to 7 years 4
no checking account 12 dues not paid earlier Business 22800 Rs. < 1000 not employed 4
no checking account 10 all settled till now second hand vehicle 15850 5000 <= Rs. < 10,000 1 to 4 years 3
Rs. < 0 24 all settled till now second hand vehicle 13690 no savings account 1 to 4 years 4
Rs. < 0 18 all settled till now education 84590 no savings account 1 to 4 years 1
no checking account 15 all settled till now second hand vehicle 31740 Rs. >= 10,000 4 to 7 years 2
0 <= Rs. < 2000 12 all settled till now new vehicle 20160 no savings account 1 to 4 years 4
0 <= Rs. < 2000 12 dues not paid earlier second hand vehicle 9460 Rs. < 1000 4 to 7 years 2
0 <= Rs. < 2000 12 all settled till now furniture 27500 no savings account more than 7 years 1
0 <= Rs. < 2000 18 all settled till now new vehicle 27670 Rs. < 1000 1 to 4 years 1
no checking account 18 dues not paid earlier electronics 11370 Rs. >= 10,000 1 to 4 years 4
no checking account 9 all settled till now furniture 13010 Rs. < 1000 more than 7 years 1
Rs. < 0 18 dues not paid earlier renovation 11780 Rs. < 1000 not employed 2
0 <= Rs. < 2000 24 all settled till now miscellaneous 113160 Rs. < 1000 1 to 4 years 2
Rs. < 0 6 dues not paid earlier furniture 18600 Rs. < 1000 not employed 4
no checking account 24 dues not paid earlier renovation 20460 Rs. < 1000 1 to 4 years 4
no checking account 6 all settled till now renovation 6480 5000 <= Rs. < 10,000 4 to 7 years 2
no checking account 24 dues not paid earlier second hand vehicle 12750 Rs. >= 10,000 more than 7 years 4
Rs. < 0 42 dues not paid earlier renovation 33820 Rs. < 1000 not employed 4
Rs. >=2000 12 all settled Business 5970 Rs. < 1000 less than 1 year 4
no checking account 12 all settled till now second hand vehicle 18720 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 20 all settled till now miscellaneous 26170 Rs. < 1000 1 to 4 years 2
no checking account 12 all settled till now education 7070 Rs. < 1000 more than 7 years 4
no checking account 9 dues not paid earlier education 12320 no savings account more than 7 years 4
Rs. >=2000 12 all settled till now furniture 14120 no savings account more than 7 years 3
0 <= Rs. < 2000 15 all settled till now renovation 15000 Rs. >= 10,000 1 to 4 years 3
no checking account 12 none taken/all settledfurniture 27470 Rs. < 1000 more than 7 years 2
no checking account 24 all settled till now new vehicle 26580 Rs. < 1000 more than 7 years 4
no checking account 24 all settled till now new vehicle 26670 Rs. < 1000 less than 1 year 4
Rs. < 0 12 all settled till now new vehicle 33740 Rs. < 1000 more than 7 years 3
Rs. < 0 6 all settled till now domestic needs 3310 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 12 all settled till now retaining 7420 no savings account more than 7 years 4
no checking account 6 all settled till now retaining 12260 no savings account not employed 4
0 <= Rs. < 2000 18 dues not paid earlier electronics 12330 Rs. < 1000 1 to 4 years 4
Rs. < 0 18 none taken/all settledfurniture 31020 Rs. < 1000 less than 1 year 1
no checking account 39 all settled till now new vehicle 25570 5000 <= Rs. < 10,000 1 to 4 years 4
Rs. < 0 15 dues not paid earlier furniture 14660 Rs. < 1000 more than 7 years 4
Rs. < 0 30 all settled till now furniture 36100 Rs. >= 10,000 more than 7 years 4
no checking account 15 all settled till now furniture 9480 Rs. >= 10,000 4 to 7 years 3
0 <= Rs. < 2000 6 all settled till now second hand vehicle 11970 Rs. < 1000 not employed 4
0 <= Rs. < 2000 27 none taken/all settledBusiness 83060 Rs. < 1000 more than 7 years 2
no checking account 6 dues not paid earlier electronics 12250 1000 <= Rs. < 5,000 1 to 4 years 1
0 <= Rs. < 2000 6 all settled till now electronics 3560 no savings account more than 7 years 4
Rs. < 0 24 all settled till now furniture 29840 no savings account 1 to 4 years 2
0 <= Rs. < 2000 36 all settled till now furniture 90220 1000 <= Rs. < 5,000 less than 1 year 4
no checking account 24 dues not paid earlier furniture 15730 Rs. < 1000 4 to 7 years 4
Rs. >=2000 6 dues not paid earlier second hand vehicle 13110 1000 <= Rs. < 5,000 more than 7 years 2
Rs. < 0 36 all settled till now new vehicle 54810 Rs. < 1000 more than 7 years 2
Rs. >=2000 9 all settled till now electronics 11140 1000 <= Rs. < 5,000 more than 7 years 2
0 <= Rs. < 2000 24 dues not paid earlier electronics 12040 1000 <= Rs. < 5,000 less than 1 year 4
Rs. >=2000 15 dues not paid earlier new vehicle 23480 5000 <= Rs. < 10,000 1 to 4 years 2
0 <= Rs. < 2000 15 all settled second hand vehicle 68380 1000 <= Rs. < 5,000 not employed 1
no checking account 39 all settled till now new vehicle 85760 1000 <= Rs. < 5,000 more than 7 years 4
Rs. >=2000 15 all settled till now Business 26750 Rs. < 1000 4 to 7 years 2
no checking account 24 all settled till now second hand vehicle 22430 no savings account less than 1 year 4
Rs. < 0 6 dues not paid earlier second hand vehicle 13490 Rs. < 1000 less than 1 year 2
Rs. < 0 6 all settled till now second hand vehicle 11910 1000 <= Rs. < 5,000 more than 7 years 3
no checking account 24 dues not paid earlier renovation 54950 Rs. < 1000 more than 7 years 3
Rs. < 0 48 none taken/all settledfurniture 71070 Rs. < 1000 1 to 4 years 3
0 <= Rs. < 2000 26 all settled till now new vehicle 79540 Rs. < 1000 less than 1 year 2
no checking account 15 dues not paid earlier education 15200 1000 <= Rs. < 5,000 1 to 4 years 4
0 <= Rs. < 2000 36 all settled till now education 22610 Rs. < 1000 4 to 7 years 3
Rs. >=2000 21 dues not paid earlier education 23070 Rs. < 1000 less than 1 year 2
Rs. < 0 6 all settled till now second hand vehicle 13620 no savings account not employed 4
0 <= Rs. < 2000 18 dues not paid earlier furniture 36000 Rs. < 1000 more than 7 years 3
Rs. < 0 30 all settled till now furniture 63380 no savings account more than 7 years 4
Rs. < 0 24 all settled till now second hand vehicle 13210 Rs. < 1000 not employed 4
no checking account 12 dues not paid earlier renovation 9840 no savings account 4 to 7 years 4
no checking account 6 all settled electronics 17380 5000 <= Rs. < 10,000 more than 7 years 2
0 <= Rs. < 2000 12 dues not paid earlier second hand vehicle 19830 1000 <= Rs. < 5,000 less than 1 year 4
0 <= Rs. < 2000 18 none taken/all settledsecond hand vehicle 22660 1000 <= Rs. < 5,000 less than 1 year 3
no checking account 21 none taken/all settledsecond hand vehicle 49910 no savings account 1 to 4 years 1
Rs. < 0 24 all settled furniture 35400 Rs. < 1000 4 to 7 years 3
Rs. < 0 24 all settled till now new vehicle 29520 no savings account more than 7 years 4
Rs. >=2000 6 all settled till now electronics 6710 Rs. < 1000 less than 1 year 2
0 <= Rs. < 2000 24 all settled till now Business 47000 no savings account 1 to 4 years 4
no checking account 24 dues not paid earlier electronics 25660 Rs. >= 10,000 more than 7 years 2
no checking account 24 all settled till now new vehicle 54210 no savings account not employed 2
no checking account 24 dues not paid earlier education 19150 no savings account 1 to 4 years 3
0 <= Rs. < 2000 36 dues not paid earlier second hand vehicle 28080 Rs. < 1000 less than 1 year 4
no checking account 24 all settled till now retaining 9250 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 18 dues not paid earlier second hand vehicle 10440 Rs. < 1000 more than 7 years 3
0 <= Rs. < 2000 12 dues not paid earlier second hand vehicle 31120 Rs. < 1000 less than 1 year 1
0 <= Rs. < 2000 36 all settled till now renovation 23720 Rs. < 1000 less than 1 year 4
Rs. < 0 18 all settled till now domestic needs 12050 Rs. < 1000 1 to 4 years 4
no checking account 21 all settled till now Business 15600 Rs. >= 10,000 more than 7 years 4
Rs. < 0 24 all settled miscellaneous 13460 no savings account more than 7 years 4
0 <= Rs. < 2000 6 all settled second hand vehicle 9190 1000 <= Rs. < 5,000 less than 1 year 1
0 <= Rs. < 2000 24 all settled education 18250 Rs. < 1000 4 to 7 years 4
Rs. < 0 24 all settled furniture 28160 5000 <= Rs. < 10,000 1 to 4 years 4
no checking account 15 all settled till now new vehicle 12880 no savings account more than 7 years 4
Rs. < 0 12 all settled till now domestic needs 7290 1000 <= Rs. < 5,000 not employed 4
Rs. >=2000 10 all settled till now second hand vehicle 12280 1000 <= Rs. < 5,000 more than 7 years 1
Rs. < 0 21 all settled till now electronics 33450 Rs. >= 10,000 less than 1 year 4
Rs. < 0 24 all settled new vehicle 36200 Rs. < 1000 1 to 4 years 1
0 <= Rs. < 2000 48 none taken/all settledBusiness 121920 no savings account 1 to 4 years 2
0 <= Rs. < 2000 30 all settled till now furniture 34290 1000 <= Rs. < 5,000 1 to 4 years 2
0 <= Rs. < 2000 21 dues not paid earlier Business 36400 Rs. < 1000 4 to 7 years 2
no checking account 48 all settled till now Business 39020 no savings account 1 to 4 years 4
0 <= Rs. < 2000 9 all settled second hand vehicle 14250 1000 <= Rs. < 5,000 4 to 7 years 2
no checking account 42 dues not paid earlier furniture 40300 5000 <= Rs. < 10,000 1 to 4 years 4
no checking account 9 all settled till now education 38200 no savings account more than 7 years 1
Rs. < 0 18 all settled furniture 15410 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 15 all settled till now electronics 14320 no savings account less than 1 year 4
no checking account 12 all settled till now education 13810 Rs. < 1000 more than 7 years 4
Rs. < 0 18 all settled till now education 7380 Rs. < 1000 not employed 4
0 <= Rs. < 2000 15 all settled till now renovation 12960 Rs. < 1000 more than 7 years 4
no checking account 15 all settled till now education 46110 1000 <= Rs. < 5,000 1 to 4 years 3
no checking account 36 all settled till now Business 79680 no savings account less than 1 year 4
Rs. < 0 30 none taken/all settledfurniture 45710 Rs. < 1000 1 to 4 years 2
Rs. >=2000 24 all settled till now second hand vehicle 9350 Rs. < 1000 4 to 7 years 4
0 <= Rs. < 2000 36 all settled till now second hand vehicle 80740 1000 <= Rs. < 5,000 more than 7 years 2
0 <= Rs. < 2000 6 all settled till now furniture 10380 Rs. < 1000 not employed 4
Rs. >=2000 6 dues not paid earlier education 10350 Rs. < 1000 1 to 4 years 2
no checking account 24 dues not paid earlier miscellaneous 63020 Rs. < 1000 not employed 4
0 <= Rs. < 2000 30 all settled furniture 34840 Rs. >= 10,000 1 to 4 years 4
no checking account 48 all settled Business 35970 Rs. < 1000 1 to 4 years 1
Rs. >=2000 30 dues not paid earlier electronics 30050 Rs. < 1000 more than 7 years 4
no checking account 24 dues not paid earlier Business 41270 1000 <= Rs. < 5,000 1 to 4 years 3
no checking account 21 all settled till now Business 25680 5000 <= Rs. < 10,000 less than 1 year 4
no checking account 6 all settled till now education 15260 Rs. < 1000 less than 1 year 1
no checking account 24 dues not paid earlier electronics 50910 Rs. < 1000 less than 1 year 3
Rs. >=2000 10 dues not paid earlier electronics 13350 no savings account 4 to 7 years 4
0 <= Rs. < 2000 36 all settled till now second hand vehicle 28500 1000 <= Rs. < 5,000 more than 7 years 4
Rs. < 0 12 all settled till now second hand vehicle 36390 Rs. >= 10,000 1 to 4 years 1
0 <= Rs. < 2000 15 all settled till now renovation 26190 1000 <= Rs. < 5,000 1 to 4 years 3
Rs. < 0 6 dues not paid earlier second hand vehicle 47040 no savings account less than 1 year 1
no checking account 12 dues not paid earlier second hand vehicle 9140 Rs. < 1000 not employed 1
Rs. >=2000 15 all settled till now education 18930 Rs. < 1000 more than 7 years 4
Rs. >=2000 24 all settled till now electronics 13650 1000 <= Rs. < 5,000 more than 7 years 4
0 <= Rs. < 2000 27 all settled till now Business 25160 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 12 none taken/all settledfurniture 29570 Rs. < 1000 less than 1 year 4
Rs. < 0 6 all settled education 11860 Rs. < 1000 more than 7 years 4
no checking account 30 dues not paid earlier new vehicle 75840 no savings account more than 7 years 1
0 <= Rs. < 2000 20 none taken/all settlednew vehicle 61360 1000 <= Rs. < 5,000 more than 7 years 3
Rs. >=2000 9 none taken/all settledelectronics 13250 Rs. < 1000 less than 1 year 4
0 <= Rs. < 2000 6 all settled education 4210 Rs. >= 10,000 less than 1 year 4
no checking account 6 dues not paid earlier second hand vehicle 2380 Rs. >= 10,000 1 to 4 years 2
no checking account 15 dues not paid earlier electronics 13040 5000 <= Rs. < 10,000 1 to 4 years 2
0 <= Rs. < 2000 48 all settled Business 64040 Rs. < 1000 more than 7 years 4
Rs. >=2000 24 dues not paid earlier Business 12630 Rs. >= 10,000 1 to 4 years 2
0 <= Rs. < 2000 36 all settled domestic needs 39780 no savings account less than 1 year 3
Rs. < 0 18 all settled till now second hand vehicle 43680 1000 <= Rs. < 5,000 1 to 4 years 3
0 <= Rs. < 2000 30 none taken/all settledBusiness 42680 1000 <= Rs. < 5,000 1 to 4 years 4
Rs. < 0 24 all settled second hand vehicle 23130 1000 <= Rs. < 5,000 4 to 7 years 2
0 <= Rs. < 2000 10 all settled electronics 10360 Rs. < 1000 1 to 4 years 4
Rs. < 0 24 all settled furniture 24710 5000 <= Rs. < 10,000 1 to 4 years 4
Rs. < 0 39 dues not paid earlier furniture 141670 no savings account 4 to 7 years 4
Rs. < 0 13 dues not paid earlier Business 17850 Rs. < 1000 less than 1 year 3
no checking account 12 all settled till now renovation 15430 Rs. >= 10,000 more than 7 years 4
Rs. >=2000 6 dues not paid earlier second hand vehicle 12870 Rs. < 1000 1 to 4 years 1
Rs. < 0 36 dues not paid earlier education 80530 Rs. < 1000 1 to 4 years 3
Rs. >=2000 12 dues not paid earlier second hand vehicle 14680 5000 <= Rs. < 10,000 not employed 2
no checking account 36 dues not paid earlier new vehicle 56990 Rs. >= 10,000 more than 7 years 4
0 <= Rs. < 2000 18 all settled till now renovation 38600 Rs. < 1000 not employed 2
no checking account 24 dues not paid earlier second hand vehicle 19280 Rs. >= 10,000 more than 7 years 4
0 <= Rs. < 2000 12 none taken/all settledretaining 13980 Rs. < 1000 1 to 4 years 2
0 <= Rs. < 2000 12 all settled till now second hand vehicle 8240 1000 <= Rs. < 5,000 less than 1 year 4
0 <= Rs. < 2000 20 all settled till now new vehicle 64560 no savings account not employed 1
0 <= Rs. < 2000 18 all settled till now Business 19290 Rs. >= 10,000 1 to 4 years 4
0 <= Rs. < 2000 48 all settled till now education 62120 Rs. < 1000 more than 7 years 4
Rs. < 0 40 dues not paid earlier education 59860 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 21 all settled till now Business 11760 Rs. < 1000 more than 7 years 2
no checking account 6 dues not paid earlier furniture 12090 no savings account 1 to 4 years 1
Rs. >=2000 24 all settled till now furniture 28800 Rs. < 1000 more than 7 years 3
no checking account 24 all settled till now furniture 30500 5000 <= Rs. < 10,000 more than 7 years 4
no checking account 9 all settled till now furniture 22890 1000 <= Rs. < 5,000 less than 1 year 2
0 <= Rs. < 2000 9 all settled till now second hand vehicle 15370 no savings account less than 1 year 4
no checking account 24 dues not paid earlier education 15850 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 12 all settled till now second hand vehicle 74600 no savings account not employed 1
0 <= Rs. < 2000 42 all settled new vehicle 92710 Rs. < 1000 not employed 1
0 <= Rs. < 2000 15 none taken/all settledsecond hand vehicle 17660 Rs. < 1000 less than 1 year 2
0 <= Rs. < 2000 8 all settled till now Business 8950 Rs. < 1000 less than 1 year 3
Rs. < 0 36 dues not paid earlier new vehicle 96170 Rs. < 1000 4 to 7 years 4
Rs. < 0 48 all settled till now domestic needs 30390 Rs. < 1000 1 to 4 years 3
no checking account 6 all settled till now domestic needs 13260 5000 <= Rs. < 10,000 1 to 4 years 1
Rs. < 0 36 all settled till now miscellaneous 158450 Rs. < 1000 not employed 2
no checking account 18 none taken/all settledBusiness 41530 Rs. < 1000 1 to 4 years 2
0 <= Rs. < 2000 48 all settled till now Business 66690 no savings account 1 to 4 years 4
Rs. < 0 45 none taken/all settledBusiness 118040 Rs. < 1000 more than 7 years 2
Rs. >=2000 15 all settled till now electronics 23150 Rs. < 1000 less than 1 year 2
Rs. < 0 12 none taken/all settledsecond hand vehicle 10700 Rs. < 1000 1 to 4 years 4
no checking account 18 all settled till now renovation 19310 Rs. < 1000 less than 1 year 4
no checking account 24 all settled Business 15470 Rs. < 1000 4 to 7 years 4
no checking account 24 all settled till now second hand vehicle 12370 Rs. < 1000 less than 1 year 4
Rs. < 0 18 all settled second hand vehicle 14300 Rs. < 1000 4 to 7 years 4
no checking account 24 all settled till now second hand vehicle 14620 1000 <= Rs. < 5,000 less than 1 year 4
no checking account 10 all settled till now retaining 8820 no savings account 4 to 7 years 4
no checking account 24 dues not paid earlier new vehicle 57920 Rs. >= 10,000 1 to 4 years 4
no checking account 27 dues not paid earlier furniture 45140 Rs. >= 10,000 less than 1 year 4
no checking account 36 all settled till now Business 73970 no savings account more than 7 years 3
Rs. >=2000 6 dues not paid earlier second hand vehicle 13310 Rs. < 1000 more than 7 years 1
Rs. < 0 24 dues not paid earlier Business 13700 1000 <= Rs. < 5,000 4 to 7 years 4
no checking account 15 all settled till now domestic needs 8620 no savings account less than 1 year 4
0 <= Rs. < 2000 11 dues not paid earlier second hand vehicle 13100 Rs. >= 10,000 1 to 4 years 4
Rs. < 0 18 all settled electronics 19280 Rs. < 1000 less than 1 year 3
no checking account 36 all settled till now electronics 35830 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 30 dues not paid earlier second hand vehicle 21690 no savings account more than 7 years 4
no checking account 18 dues not paid earlier electronics 10860 Rs. < 1000 not employed 4
0 <= Rs. < 2000 24 dues not paid earlier Business 28130 no savings account 4 to 7 years 4
no checking account 28 all settled new vehicle 78120 no savings account less than 1 year 3
Rs. < 0 27 dues not paid earlier Business 24300 Rs. < 1000 more than 7 years 4
0 <= Rs. < 2000 36 dues not paid earlier new vehicle 57880 Rs. < 1000 1 to 4 years 3
no checking account 12 dues not paid earlier furniture 15800 Rs. >= 10,000 4 to 7 years 3
no checking account 15 all settled till now furniture 21740 no savings account 4 to 7 years 1
no checking account 20 dues not paid earlier second hand vehicle 34730 no savings account less than 1 year 2
0 <= Rs. < 2000 36 all settled till now education 36990 no savings account 1 to 4 years 2
no checking account 15 all settled till now new vehicle 35820 Rs. < 1000 less than 1 year 1
no checking account 11 all settled till now Business 21300 Rs. >= 10,000 more than 7 years 1
Rs. < 0 24 all settled Business 31490 Rs. < 1000 1 to 4 years 4
0 <= Rs. < 2000 48 none taken/all settledmiscellaneous 184120 Rs. < 1000 1 to 4 years 1
Rs. < 0 24 all settled till now furniture 23470 1000 <= Rs. < 5,000 not employed 1
Rs. < 0 24 all settled furniture 68600 Rs. < 1000 less than 1 year 2
Rs. < 0 12 all settled second hand vehicle 6850 Rs. < 1000 less than 1 year 4
Rs. < 0 18 dues not paid earlier furniture 10370 Rs. < 1000 less than 1 year 4
no checking account 12 all settled till now second hand vehicle 35150 no savings account less than 1 year 2
no checking account 24 all settled till now furniture 9170 no savings account 4 to 7 years 4
0 <= Rs. < 2000 48 none taken/all settledsecond hand vehicle 83460 5000 <= Rs. < 10,000 less than 1 year 1
Rs. < 0 24 all settled furniture 33370 5000 <= Rs. < 10,000 less than 1 year 4
no checking account 12 all settled till now second hand vehicle 28470 no savings account not employed 4
0 <= Rs. < 2000 18 dues not paid earlier Business 35780 Rs. < 1000 not employed 3
0 <= Rs. < 2000 24 all settled till now new vehicle 41010 5000 <= Rs. < 10,000 less than 1 year 3
no checking account 36 all settled till now furniture 109620 Rs. < 1000 not employed 4
Rs. < 0 24 dues not paid earlier electronics 12190 Rs. >= 10,000 more than 7 years 4
Rs. >=2000 30 dues not paid earlier electronics 36440 no savings account more than 7 years 4
0 <= Rs. < 2000 24 all settled till now furniture 30570 1000 <= Rs. < 5,000 more than 7 years 4
0 <= Rs. < 2000 6 all settled till now renovation 4420 Rs. < 1000 less than 1 year 3
0 <= Rs. < 2000 27 dues not paid earlier electronics 25080 5000 <= Rs. < 10,000 1 to 4 years 4
0 <= Rs. < 2000 15 all settled till now renovation 15020 1000 <= Rs. < 5,000 1 to 4 years 4
Rs. < 0 24 all settled second hand vehicle 11810 Rs. < 1000 not employed 1
Rs. < 0 60 all settled till now Business 72850 Rs. < 1000 more than 7 years 4
Rs. >=2000 24 all settled till now electronics 12460 5000 <= Rs. < 10,000 1 to 4 years 3
0 <= Rs. < 2000 18 all settled till now Business 24150 no savings account more than 7 years 4
0 <= Rs. < 2000 15 all settled second hand vehicle 12520 1000 <= Rs. < 5,000 1 to 4 years 2
no checking account 48 all settled till now Business 48320 Rs. < 1000 not employed 3
Rs. >=2000 21 all settled till now second hand vehicle 29110 1000 <= Rs. < 5,000 1 to 4 years 1
Rs. >=2000 42 none taken/all settledBusiness 62770 Rs. < 1000 less than 1 year 2
no checking account 13 all settled till now electronics 13970 1000 <= Rs. < 5,000 not employed 2
Rs. < 0 24 all settled till now new vehicle 65670 Rs. < 1000 not employed 4
no checking account 12 dues not paid earlier education 35530 no savings account less than 1 year 2
no checking account 15 all settled electronics 15570 1000 <= Rs. < 5,000 more than 7 years 4
Rs. < 0 18 all settled till now electronics 19240 no savings account 4 to 7 years 2
0 <= Rs. < 2000 45 dues not paid earlier new vehicle 45640 1000 <= Rs. < 5,000 not employed 3
Rs. < 0 6 dues not paid earlier electronics 11570 no savings account more than 7 years 4
no checking account 36 all settled till now education 90430 no savings account 1 to 4 years 2
no checking account 24 all settled till now furniture 28230 5000 <= Rs. < 10,000 more than 7 years 3
no checking account 12 all settled till now electronics 30470 Rs. >= 10,000 4 to 7 years 2
Rs. < 0 48 all settled till now Business 42960 Rs. < 1000 less than 1 year 3
Rs. < 0 30 none taken/all settledBusiness 80600 no savings account less than 1 year 2
0 <= Rs. < 2000 24 all settled till now new vehicle 125670 Rs. < 1000 more than 7 years 4
Rs. < 0 10 dues not paid earlier second hand vehicle 22290 Rs. < 1000 less than 1 year 1
0 <= Rs. < 2000 12 dues not paid earlier new vehicle 17920 1000 <= Rs. < 5,000 less than 1 year 3
no checking account 10 dues not paid earlier furniture 20570 no savings account 1 to 4 years 2
no checking account 6 none taken/all settledelectronics 4140 Rs. < 1000 more than 7 years 4
Rs. >=2000 12 all settled electronics 3970 Rs. >= 10,000 1 to 4 years 3
Rs. < 0 60 all settled till now Business 68240 Rs. < 1000 more than 7 years 3
0 <= Rs. < 2000 18 all settled till now Business 19010 Rs. >= 10,000 less than 1 year 3
0 <= Rs. < 2000 45 dues not paid earlier electronics 47340 Rs. < 1000 less than 1 year 4
Rs. >=2000 10 all settled till now domestic needs 12130 Rs. < 1000 1 to 4 years 2
0 <= Rs. < 2000 18 all settled till now renovation 61920 Rs. < 1000 1 to 4 years 2
Rs. < 0 30 dues not paid earlier new vehicle 61750 1000 <= Rs. < 5,000 4 to 7 years 1
no checking account 11 dues not paid earlier second hand vehicle 13810 Rs. < 1000 less than 1 year 4
Rs. < 0 6 all settled till now new vehicle 13400 5000 <= Rs. < 10,000 not employed 1
0 <= Rs. < 2000 24 all settled till now furniture 23210 no savings account less than 1 year 4
0 <= Rs. < 2000 27 all settled till now new vehicle 59530 Rs. < 1000 more than 7 years 1
no checking account 6 all settled second hand vehicle 7710 no savings account 1 to 4 years 1
0 <= Rs. < 2000 12 all settled till now electronics 64560 no savings account not employed 2
Rs. >=2000 18 all settled till now second hand vehicle 19490 Rs. < 1000 more than 7 years 3
Rs. < 0 36 dues not paid earlier furniture 62170 Rs. < 1000 less than 1 year 4
MSG Oparties Rdur Prop age inPlans Htype NumCred
married or widowed male no one less than a year real estate 27 bank own 1
single male yes, guaranmore than 3 yearsreal estate 50 none own 2
single male no one more than 3 yearsUnknown 61 none free 1
single male no one 1 to 2 years Other cars etc. 25 none own 1
divorced or separated or married femalno one more than 3 yearslife insurance/building societ 26 none own 1
single male no one more than 3 yearslife insurance/building societ 48 none own 4
divorced or separated or married femalno one 1 to 2 years Other cars etc. 29 bank own 1
married or widowed male no one less than a year real estate 22 none own 1
single male no one more than 3 yearsUnknown 37 stores free 1
divorced or separated or married femalno one more than 3 yearsOther cars etc. 25 none own 1
divorced or separated or married femalno one 1 to 2 years life insurance/building societ 30 bank own 1
single male no one 1 to 2 years life insurance/building societ 46 none pays rent 2
single male no one more than 3 yearsUnknown 51 bank free 2
divorced or separated or married femalno one less than a year real estate 41 bank own 2
single male no one more than 3 yearsUnknown 40 none own 1
single male no one 1 to 2 years life insurance/building societ 39 none own 1
married or widowed male no one less than a year life insurance/building societ 22 none own 1
divorced or separated or married femalno one less than a year Other cars etc. 44 none own 2
single male no one 2 to 3 years life insurance/building societ 47 stores own 1
divorced or separated or married femalno one more than 3 yearslife insurance/building societ 24 none pays rent 1
divorced or separated or married femalyes, guaranmore than 3 yearsreal estate 58 none own 1
single male no one more than 3 yearsreal estate 52 none own 1
divorced or separated or married femalyes, guaran1 to 2 years real estate 29 none own 2
divorced or separated or married femalno one less than a year life insurance/building societ 27 none own 2
single male no one 2 to 3 years real estate 28 none own 2
single male yes, co-appmore than 3 yearsUnknown 20 none pays rent 2
single male no one more than 3 yearsUnknown 58 none pays rent 1
divorced or separated or married femalno one 1 to 2 years Other cars etc. 61 none own 1
single male no one more than 3 yearsOther cars etc. 34 none own 1
single male no one more than 3 yearslife insurance/building societ 36 bank pays rent 2
married or widowed male no one more than 3 yearsreal estate 41 none pays rent 1
single male no one more than 3 yearsOther cars etc. 24 none pays rent 1
divorced or separated or married femalno one 1 to 2 years real estate 24 none own 1
single male no one 2 to 3 years Other cars etc. 35 none pays rent 1
married or widowed male no one more than 3 yearsOther cars etc. 26 none pays rent 1
single male yes, co-app2 to 3 years Other cars etc. 39 none own 2
single male no one more than 3 yearsUnknown 39 bank own 2
divorced or separated or married femalno one 1 to 2 years life insurance/building societ 30 none own 1
married or widowed male no one 1 to 2 years real estate 35 none own 1
divorced or separated male no one 1 to 2 years Other cars etc. 31 bank own 2
single male no one 2 to 3 years real estate 28 none pays rent 1
divorced or separated or married femalno one 1 to 2 years real estate 25 stores own 2
single male no one less than a year real estate 47 none own 1
divorced or separated or married femalyes, co-app2 to 3 years real estate 27 none pays rent 2
divorced or separated male no one 2 to 3 years Other cars etc. 36 none own 1
divorced or separated or married femalno one 1 to 2 years Other cars etc. 41 none pays rent 2
divorced or separated or married femalno one 2 to 3 years real estate 27 none pays rent 1
divorced or separated or married femalyes, co-app1 to 2 years real estate 29 none own 2
single male no one 2 to 3 years life insurance/building societ 27 bank own 2
divorced or separated or married femalno one more than 3 yearsreal estate 21 none own 1
single male yes, guaran1 to 2 years real estate 35 bank own 3
divorced or separated or married femalno one less than a year Unknown 30 none own 1
divorced or separated or married femalno one more than 3 yearsUnknown 39 none own 2
single male yes, guaran1 to 2 years life insurance/building societ 28 none own 2
single male no one less than a year Other cars etc. 24 none own 1
divorced or separated or married femalno one more than 3 yearsUnknown 29 none pays rent 1
divorced or separated or married femalno one more than 3 yearsOther cars etc. 20 none pays rent 1
married or widowed male no one less than a year Other cars etc. 45 bank own 1
single male no one 2 to 3 years Other cars etc. 38 bank own 2
divorced or separated or married femalno one less than a year real estate 20 none own 1
divorced or separated male no one more than 3 yearsreal estate 31 none own 2
single male yes, guaran1 to 2 years real estate 33 none own 1
single male no one less than a year life insurance/building societ 26 none own 2
divorced or separated or married femalno one less than a year real estate 53 bank own 1
divorced or separated male no one less than a year Other cars etc. 42 none own 1
divorced or separated male no one 1 to 2 years real estate 30 stores own 2
single male no one more than 3 yearsOther cars etc. 36 bank own 1
divorced or separated or married femalno one more than 3 yearsUnknown 74 bank free 1
single male no one 2 to 3 years Other cars etc. 68 none free 3
divorced or separated or married femalno one more than 3 yearsOther cars etc. 33 bank own 2
married or widowed male no one 1 to 2 years real estate 29 none pays rent 1
single male yes, guaranmore than 3 yearslife insurance/building societ 21 none pays rent 1
divorced or separated or married femalno one more than 3 yearsOther cars etc. 27 bank pays rent 4
divorced or separated male no one 2 to 3 years Unknown 40 none own 1
married or widowed male no one more than 3 yearslife insurance/building societ 21 none pays rent 1
married or widowed male no one 1 to 2 years Other cars etc. 21 stores own 1
single male no one more than 3 yearslife insurance/building societ 50 stores own 2
single male no one less than a year life insurance/building societ 31 bank own 1
divorced or separated male no one 1 to 2 years real estate 24 none pays rent 1
married or widowed male yes, guaranless than a year real estate 26 bank own 1
divorced or separated or married femalno one more than 3 yearslife insurance/building societ 23 bank pays rent 1
single male no one 1 to 2 years real estate 30 bank own 2
single male yes, co-app1 to 2 years Unknown 27 bank own 2
single male no one less than a year Unknown 22 bank free 1
single male no one less than a year Unknown 35 none own 1
married or widowed male yes, guaran1 to 2 years real estate 25 none own 1
single male no one 1 to 2 years Other cars etc. 30 stores own 1
divorced or separated male no one 1 to 2 years Other cars etc. 61 bank pays rent 2
single male no one less than a year Unknown 35 bank pays rent 1
divorced or separated or married femalyes, co-appmore than 3 yearsreal estate 22 none pays rent 1
divorced or separated or married femalyes, guaran1 to 2 years Unknown 24 bank own 1
divorced or separated male no one less than a year Unknown 29 none free 1
divorced or separated or married femalno one 2 to 3 years Other cars etc. 38 stores own 1
divorced or separated male no one more than 3 yearslife insurance/building societ 45 none own 1
single male yes, co-appmore than 3 yearsUnknown 36 none free 1
divorced or separated male no one less than a year Unknown 34 none own 1
married or widowed male no one more than 3 yearsreal estate 48 stores own 1
divorced or separated or married femalno one more than 3 yearsUnknown 44 none free 2
divorced or separated male no one 1 to 2 years Other cars etc. 46 bank own 2
single male yes, co-app1 to 2 years life insurance/building societ 45 none own 1
single male no one 1 to 2 years Unknown 44 bank free 1
divorced or separated male no one 1 to 2 years real estate 33 none own 1
divorced or separated or married femalno one more than 3 yearslife insurance/building societ 24 stores pays rent 1
married or widowed male no one 2 to 3 years Unknown 33 none own 1
single male no one less than a year Other cars etc. 25 stores own 1
married or widowed male no one 2 to 3 years Other cars etc. 25 bank own 1
married or widowed male no one 1 to 2 years Other cars etc. 28 none own 2
divorced or separated male no one 2 to 3 years life insurance/building societ 32 none own 1
single male no one less than a year Unknown 34 none free 1
single male no one more than 3 yearslife insurance/building societ 49 none pays rent 1
single male no one more than 3 yearsUnknown 23 bank pays rent 2
divorced or separated male no one more than 3 yearsreal estate 44 none pays rent 1
divorced or separated or married femalyes, guaranmore than 3 yearslife insurance/building societ 23 none own 1
single male yes, co-appless than a year real estate 33 bank own 1
single male yes, guaranless than a year life insurance/building societ 37 none own 1
single male no one 2 to 3 years Unknown 32 none free 2
divorced or separated or married femalno one more than 3 yearsreal estate 23 none pays rent 1
single male no one 1 to 2 years real estate 23 stores own 1
single male yes, co-appmore than 3 yearsreal estate 49 none own 1
married or widowed male no one 1 to 2 years life insurance/building societ 21 none pays rent 1
divorced or separated or married femalyes, guaranmore than 3 yearsOther cars etc. 37 none pays rent 1
married or widowed male no one 1 to 2 years life insurance/building societ 30 none own 1
single male no one 2 to 3 years Unknown 32 none pays rent 1
divorced or separated male no one less than a year real estate 46 none pays rent 2
married or widowed male no one more than 3 yearsreal estate 39 none own 1
married or widowed male no one more than 3 yearsreal estate 28 bank own 2
married or widowed male no one 2 to 3 years Other cars etc. 21 none pays rent 1
single male yes, co-app2 to 3 years Other cars etc. 29 bank own 2
single male yes, co-appmore than 3 yearsOther cars etc. 65 none own 2
divorced or separated or married femalyes, co-app2 to 3 years life insurance/building societ 30 none own 1
married or widowed male no one 2 to 3 years life insurance/building societ 61 stores own 2
divorced or separated or married femalno one less than a year Unknown 29 none own 1
divorced or separated or married femalno one less than a year real estate 34 none pays rent 1
single male yes, guaranmore than 3 yearsUnknown 63 bank own 1
divorced or separated or married femalyes, co-appmore than 3 yearsUnknown 62 none free 1
single male yes, guaran2 to 3 years life insurance/building societ 26 none pays rent 1
single male no one 1 to 2 years Unknown 26 none own 2
married or widowed male no one more than 3 yearsOther cars etc. 20 none own 1
single male yes, co-appless than a year Unknown 29 none pays rent 1
married or widowed male yes, guaran1 to 2 years real estate 32 none own 1
divorced or separated male no one more than 3 yearsOther cars etc. 28 none own 2
single male yes, guaranmore than 3 yearslife insurance/building societ 27 none own 1
married or widowed male yes, co-appmore than 3 yearsreal estate 20 none pays rent 2
divorced or separated male no one more than 3 yearsOther cars etc. 31 none pays rent 1
divorced or separated male no one less than a year Other cars etc. 33 none pays rent 1
divorced or separated or married femalno one less than a year life insurance/building societ 45 stores own 1
married or widowed male no one less than a year real estate 23 none pays rent 1
single male no one 1 to 2 years real estate 43 none free 2
single male no one less than a year Other cars etc. 32 bank own 1
divorced or separated or married femalno one more than 3 yearsreal estate 24 bank own 1
single male no one more than 3 yearslife insurance/building societ 45 bank own 1
married or widowed male yes, guaranless than a year real estate 34 none own 2
divorced or separated or married femalno one more than 3 yearslife insurance/building societ 29 bank own 2
single male yes, guaranmore than 3 yearsOther cars etc. 24 bank pays rent 1
divorced or separated or married femalno one less than a year life insurance/building societ 29 bank own 1
divorced or separated or married femalno one 1 to 2 years life insurance/building societ 23 none pays rent 2
divorced or separated or married femalyes, co-app2 to 3 years Other cars etc. 24 bank own 2
divorced or separated male no one more than 3 yearsOther cars etc. 27 none own 2
single male yes, guaran2 to 3 years real estate 30 bank own 2
single male no one less than a year Unknown 33 none pays rent 1
divorced or separated or married femalno one more than 3 yearsreal estate 20 bank pays rent 1
single male yes, guaranless than a year life insurance/building societ 21 none own 1
divorced or separated or married femalno one more than 3 yearsreal estate 36 bank own 1
divorced or separated or married femalno one less than a year life insurance/building societ 32 stores own 1
divorced or separated or married femalyes, guaranless than a year real estate 45 none own 1
single male no one more than 3 yearsreal estate 22 stores own 1
divorced or separated or married femalyes, co-appmore than 3 yearsUnknown 50 none free 1
divorced or separated or married femalyes, guaranmore than 3 yearsOther cars etc. 22 bank pays rent 1
divorced or separated or married femalyes, co-appmore than 3 yearsOther cars etc. 21 none pays rent 1
divorced or separated male no one 1 to 2 years real estate 38 bank own 1
divorced or separated or married femalno one less than a year Other cars etc. 22 none pays rent 1
divorced or separated or married femalyes, co-app1 to 2 years Other cars etc. 19 none pays rent 2
married or widowed male yes, guaran1 to 2 years Other cars etc. 33 none own 2
divorced or separated male yes, guaran1 to 2 years real estate 32 none own 2
single male yes, co-appless than a year real estate 45 none own 1
single male no one less than a year life insurance/building societ 35 stores own 2
single male yes, co-app1 to 2 years Unknown 27 bank own 2
divorced or separated or married femalno one less than a year real estate 27 stores own 1
single male yes, co-appmore than 3 yearslife insurance/building societ 43 none pays rent 2
single male no one more than 3 yearsreal estate 64 bank pays rent 1
divorced or separated or married femalno one 1 to 2 years Unknown 56 none own 1
married or widowed male no one 2 to 3 years real estate 33 bank own 2
married or widowed male no one 2 to 3 years Unknown 47 none free 3
single male yes, co-appmore than 3 yearsOther cars etc. 35 none own 1
divorced or separated male no one 2 to 3 years life insurance/building societ 25 none own 2
divorced or separated or married femalno one 1 to 2 years Unknown 47 none free 1
married or widowed male no one more than 3 yearsOther cars etc. 31 bank own 2
divorced or separated or married femalno one 1 to 2 years life insurance/building societ 24 bank pays rent 1
divorced or separated or married femalno one 1 to 2 years real estate 41 bank own 2
divorced or separated or married femalno one 2 to 3 years Unknown 59 none pays rent 1
single male no one more than 3 yearsreal estate 21 none pays rent 1
divorced or separated or married femalno one 1 to 2 years Unknown 29 bank own 1
single male no one less than a year life insurance/building societ 28 bank own 2
married or widowed male yes, guaran2 to 3 years real estate 40 bank own 2
divorced or separated or married femalyes, guaranless than a year real estate 25 none own 1
single male no one 2 to 3 years Unknown 27 bank own 1
divorced or separated male no one more than 3 yearsUnknown 51 none free 1
single male no one more than 3 yearslife insurance/building societ 51 none free 1
divorced or separated or married femalyes, guaranmore than 3 yearsreal estate 48 bank pays rent 2
divorced or separated or married femalno one less than a year real estate 26 none pays rent 2
married or widowed male yes, guaran2 to 3 years real estate 28 bank own 1
divorced or separated male yes, co-app2 to 3 years Other cars etc. 43 none own 1
married or widowed male no one less than a year Other cars etc. 24 none own 1
married or widowed male yes, co-app2 to 3 years real estate 46 none own 2
married or widowed male yes, guaran1 to 2 years life insurance/building societ 33 bank pays rent 2
single male yes, guaran1 to 2 years real estate 26 none pays rent 1
single male no one 1 to 2 years real estate 25 bank pays rent 1
divorced or separated or married femalno one less than a year Other cars etc. 27 stores own 1
single male yes, co-appmore than 3 yearsUnknown 36 bank free 1
divorced or separated male no one more than 3 yearsUnknown 48 none free 1
single male yes, guaranmore than 3 yearsreal estate 40 bank pays rent 2
single male no one more than 3 yearsOther cars etc. 43 stores own 4
single male yes, guaranmore than 3 yearslife insurance/building societ 43 bank pays rent 1
single male yes, co-app1 to 2 years real estate 24 none own 1
divorced or separated or married femalno one more than 3 yearsOther cars etc. 25 bank own 1
single male yes, co-app1 to 2 years real estate 32 none own 1
divorced or separated male no one less than a year life insurance/building societ 33 none own 1
divorced or separated male no one less than a year life insurance/building societ 55 bank own 1
single male no one more than 3 yearsUnknown 39 stores free 3
single male yes, co-appless than a year life insurance/building societ 24 none own 1
divorced or separated or married femalno one less than a year Other cars etc. 23 bank own 1
single male no one 2 to 3 years Unknown 30 stores own 2
divorced or separated or married femalyes, guaranless than a year life insurance/building societ 46 none pays rent 1
married or widowed male yes, co-appless than a year life insurance/building societ 43 none own 1
divorced or separated or married femalyes, guaranmore than 3 yearslife insurance/building societ 29 none own 1
divorced or separated or married femalno one 1 to 2 years Other cars etc. 54 bank pays rent 1
married or widowed male no one more than 3 yearslife insurance/building societ 29 none pays rent 1
divorced or separated or married femalyes, co-appmore than 3 yearsUnknown 29 none pays rent 2
single male yes, co-appmore than 3 yearsUnknown 36 none pays rent 1
married or widowed male no one 1 to 2 years life insurance/building societ 25 none pays rent 1
single male no one 1 to 2 years Other cars etc. 33 bank pays rent 1
divorced or separated or married femalno one less than a year Other cars etc. 28 bank own 1
divorced or separated male no one less than a year life insurance/building societ 33 none own 2
single male yes, guaranmore than 3 yearslife insurance/building societ 45 none free 1
divorced or separated or married femalno one less than a year Other cars etc. 25 none pays rent 1
divorced or separated or married femalno one 1 to 2 years Unknown 44 none free 1
married or widowed male no one less than a year Other cars etc. 26 none own 2
single male yes, co-app1 to 2 years real estate 37 stores own 1
divorced or separated or married femalno one more than 3 yearsUnknown 58 stores free 2
divorced or separated or married femalyes, co-app1 to 2 years real estate 28 none own 1
single male yes, guaran1 to 2 years real estate 26 stores own 1
divorced or separated or married femalyes, co-appmore than 3 yearsUnknown 23 none pays rent 2
JobType Ndepend telephone foreign creditScore
employee with official position 1 yes no good
employed either in management, self or in high positi 1 yes no bad
employee with official position 1 yes no bad
employee with official position 1 no no good
resident unskilled 1 yes no good
employed either in management, self or in high positi 2 yes no good
resident unskilled 1 no no good
employed either in management, self or in high positi 1 no no good
employee with official position 1 no no bad
resident unskilled 2 no no bad
employee with official position 1 yes yes good
employee with official position 1 no yes good
non resident either unemployed or unskilled 1 no yes good
non resident either unemployed or unskilled 1 yes no good
employed either in management, self or in high positi 2 no no bad
non resident either unemployed or unskilled 1 yes no bad
resident unskilled 2 no yes good
employed either in management, self or in high positi 1 yes yes bad
resident unskilled 1 yes no bad
non resident either unemployed or unskilled 1 no no good
employee with official position 1 no yes bad
non resident either unemployed or unskilled 1 no no bad
non resident either unemployed or unskilled 2 no yes good
employee with official position 1 no yes bad
employed either in management, self or in high positi 1 yes yes bad

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