[2026-10-29 12:41:31] INFO: evaluate.received {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","has_file":true,"filename":"temp_2026-10-29_12:37:01_1793257621_co_lending_loan_decision.xlsx","size":17618,"mime":null,"ip":null}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"bureau_pull_date","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_1","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"bureau_pull_date","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_1","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_2","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"bureau_pull_date","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_1","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"bureau_pull_date","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_1","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_2","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"bureau_pull_date","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_1","value":"10-26"}
[2026-10-29 12:41:31] WARNING: import.date_parse_failed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","key":"co_applicant_bureau_pull_date_2","value":"10-26"}
[2026-10-29 12:41:31] INFO: import.sheet_parsed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","rows_seen":5,"rows_kept":5,"rows_skipped":0}
[2026-10-29 12:41:31] INFO: evaluate.excel_parsed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","row_count":5}
[2026-10-29 12:41:31] INFO: policy.request {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","url":"http://localhost:7000/api/live/policy/policy-d9204242"}
[2026-10-29 12:41:32] INFO: policy.response {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","ok":true,"http_status":200,"duration_ms":1028,"response":{"grade":{"rules":{"Blacksoil-Navdhan":{"rule":[{"description":["Blacksoil Age >=21 and <=60 pass else reject"],"key":"age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Borrower Maturity Age"],"key":"borrower_maturity_age","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 2"],"key":"co_applicant_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Co Applicant Age 1"],"key":"co_applicant_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil gender Male - \"Male - approve, If female then check marital status, If Female then check else ignore this rule Marital Status- Reject single women as primary borrower"],"key":"gender","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_1 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Overdue Amount\t<=1000, pass"],"key":"overdue_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (0-6 Months) if\t<3 pass"],"key":"dpd_0_6_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Business Vintage (Years) - >=3 years else reject"],"key":"business_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 2 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil tenure - <=36 months else reject"],"key":"tenure","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Borrower Bureau Score (upto 3 lakh loan amount, >=650 else reject) or Loan Amount >3 Lakh and If score >700 pass else reject"],"key":"bureau_score","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Vintage (Years)  >=3 years else reject"],"key":"residence_vintage_years","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Bank Statement 6M, Minimum 6 months"],"key":"bank_statement_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Co-applicant 1 Maturity Age (<=63 else reject)"],"key":"co_applicant_maturity_age_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - co_applicant_bureau_score_2 (upto 3 lakh loan, >=620 OR -1 to 18 else reject)"],"key":"co_applicant_bureau_score_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Active Credit Lines Count - Value\t<=3 pass"],"key":"active_credit_lines_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - DPD (6-12 Months) if <2 pass"],"key":"dpd_6_12_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Applicant NTC, pass if false"],"key":"applicant_ntc","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Cheque Bounce Count 6M,No bounce in last 6 months, pass"],"key":"cheque_bounce_count_6m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Enquiries Last 3 Months\tValue\t<=5 pass"],"key":"enquiries_last_3_months","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence to Branch Distance (km) - <=30 KM from branch else reject"],"key":"residence_to_branch_distance_km","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Loan Amount - <=4,00,000 else reject"],"key":"loan_amount","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - Residence Ownership - Owned/Ancestral/Rent Free else reject"],"key":"residence_ownership","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_1","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Son,Father,mother,Grandfather,Grandmother,Brother, Uncle (immediate paternal and maternal uncle) - pass else reject"],"key":"co_applicant_relationship_2","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil Foir foir <= 50% pass else fail"],"key":"foir","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil - 1. Expansion of existing business.
2. Purchase of additional stock / raw material / working capital
3. Purchase of machinery/equipment
4. Refinancing of existing loans in case of an existing Navadhan customer"],"key":"loan_utilization","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["Blacksoil bureau_loss_count > 0 fail else pass"],"key":"bureau_loss_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["bureau_dbt_count > 0 reject else pass"],"key":"bureau_dbt_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["bureau_sub_count any value received > 0 reject else pass"],"key":"bureau_sub_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["bureau_write_off_count < 1000 pass else reject"],"key":"bureau_write_off_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["bureau_settlement_count > 0 reject else pass"],"key":"bureau_settlement_count","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}},{"description":["LSS count = 0 then approve else reject; after excluding KCC ≤₹3L, Gold Loans, disb. amount ≤₹10K, Mudra Loans, Loan Against Deposit and Guarantor-status loans"],"key":"lss_count_24m","priority":1,"value":{"against":["Over 9 levels deep, aborting normalization"],"source":["Over 9 levels deep, aborting normalization"]}}]}}}},"error":null}
[2026-10-29 12:41:32] INFO: policy.parsed {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","policy_count":1,"policy_names":["Blacksoil-Navdhan"]}
[2026-10-29 12:41:32] INFO: row.start {"batch_id":"e7cdf932-0a9e-454a-9bd0-952c2a598f0d","row":1,"application_id":"RJ004LE003792"}