CreditMind/data.py at main · srinathchoul-tech/CreditMind · GitHub

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LOAN_PRODUCTS = [
    {
        "id": "hdfc_business_term_loan",
        "name_key": "hdfc_business_term_loan",
        "bank_name": "HDFC Bank",
        "interest_rate": "10.75% p.a. onwards",
        "max_amount": 500_000_000,
        "description": "Unsecured term loan for working capital, business expansion, machinery purchase, inventory, marketing, and similar business needs.",
        "purpose": "Working capital, business expansion, machinery purchase, inventory, marketing, and related business requirements.",
        "typical_amount": "Business term loan exposure can go up to Rs.50 crore for eligible business borrowers.",
        "tenure_text": "Up to 60 months (5 years).",
        "tenure_months": 60,
        "features": [
            "No collateral or guarantor required for eligible borrowers.",
            "Quick eligibility check and relatively fast disbursal.",
            "Fixed EMIs suitable for stable cash-flow businesses.",
        ],
        "required_documents": [
            {"name": "Bank statements", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": True},
            {"name": "Business PAN / KYC docs", "allowed_types": ["pdf", "jpg", "jpeg", "png"], "mandatory": True},
            {"name": "ITR filing", "allowed_types": ["pdf"], "mandatory": False},
            {"name": "Balance sheet", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
            {"name": "PL statement", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
            {"name": "GST returns", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
        ],
    },
    {
        "id": "hdfc_business_od",
        "name_key": "hdfc_business_od",
        "bank_name": "HDFC Bank",
        "interest_rate": "Interest charged on utilised amount; unsecured OD limits typically up to Rs.25 lakh for this facility.",
        "max_amount": 1_000_000_000,
        "description": "Working-capital overdraft facility for daily business expenses, stock purchase, receivables management, and seasonal cash-flow gaps.",
        "purpose": "Flexible working capital for day-to-day expenses, stock purchase, receivable cycles, and seasonal cash-flow gaps.",
        "typical_amount": "Working-capital or OD exposure can extend up to Rs.100 crore for suitable business profiles.",
        "tenure_text": "Up to 60 months (5 years) for longer business repayment cycles.",
        "tenure_months": 60,
        "features": [
            "Interest is generally charged only on the utilised amount.",
            "Good for businesses with fluctuating cash flows.",
            "Can be linked to a current account for easy withdrawals and repayments.",
            "May require more supporting documentation than a pure term loan.",
        ],
        "required_documents": [
            {"name": "Bank statements", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": True},
            {"name": "Business PAN / KYC docs", "allowed_types": ["pdf", "jpg", "jpeg", "png"], "mandatory": True},
            {"name": "ITR filing", "allowed_types": ["pdf"], "mandatory": False},
            {"name": "Balance sheet", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
            {"name": "PL statement", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
            {"name": "GST returns", "allowed_types": ["pdf", "xls", "xlsx", "csv"], "mandatory": False},
        ],
    },
]

OFFICER_BANKS = ["HDFC Bank"]

COMPANY_UPLOAD_TYPES = [
    "pdf",
    "csv",
    "txt",
    "json",
    "xml",
    "doc",
    "docx",
    "xls",
    "xlsx",
    "ppt",
    "pptx",
    "png",
    "jpg",
    "jpeg",
]


def build_mock_officer_apps() -> list[dict]:
    return [
        {
            "id": "APP-2026-001",
            "company_name": "Bluewave Manufacturing",
            "loan_amount": 850000,
            "status": "Pending",
            "risk_score": 61,
            "industry": "Manufacturing",
            "location": "Mumbai",
            "financial_summary": {"revenue": "$3.2M", "profit": "$410K", "flags": ["Revenue mismatch"]},
            "risk_signals": ["Revenue mismatch", "Negative news scan clean", "No active litigation"],
            "ai_recommendation": "Approve",
            "ai_reason": "Cashflow is stable and leverage ratio is moderate.",
            "officer_decision": None,
            "officer_remarks": "",
        },
        {
            "id": "APP-2026-002",
            "company_name": "Nexa Retail Pvt Ltd",
            "loan_amount": 1200000,
            "status": "Pending",
            "risk_score": 44,
            "industry": "Retail",
            "location": "Delhi",
            "financial_summary": {"revenue": "$2.4M", "profit": "$120K", "flags": ["Profit margin dip"]},
            "risk_signals": ["Revenue mismatch", "Negative media references found", "One litigation record"],
            "ai_recommendation": "Reject",
            "ai_reason": "Multiple risk factors with weak profitability trend.",
            "officer_decision": None,
            "officer_remarks": "",
        },
        {
            "id": "APP-2026-003",
            "company_name": "CoreGrid Logistics",
            "loan_amount": 640000,
            "status": "Reviewed",
            "risk_score": 72,
            "industry": "Logistics",
            "location": "Bengaluru",
            "financial_summary": {"revenue": "$4.1M", "profit": "$530K", "flags": []},
            "risk_signals": ["No revenue mismatch", "Negative news scan clean", "No litigation"],
            "ai_recommendation": "Approve",
            "ai_reason": "Strong DSCR and healthy repayment behavior on past facilities.",
            "officer_decision": "Approved",
            "officer_remarks": "Good debt service track record.",
        },
    ]