2.11 Profile Readiness Checklist¶
WhoCredit Assistant
WhenBefore you start a loan assessment, and again before you submit it
A loan assessment takes a frozen copy of the farmer's profile when it is submitted. Gaps found later mean a return for correction, or a score that cannot be produced. Use this checklist to make sure the profile is ready.
Must have¶
| ✓ | Item | Where | Why |
|---|---|---|---|
| ☐ | Profile is Active and has a farmer code | 2.1 | Draft profiles cannot be assessed |
| ☐ | Farming history recorded | 2.3 | Decides how experience and early crops are treated |
| ☐ | For a farmer who started recently or never cultivated: a newness visit recorded | 2.3 | Required before scoring |
| ☐ | Every cultivated parcel registered, with cultivation continuity completed | 2.5 | Continuity and operating security are scored per parcel |
| ☐ | Irrigation type set on each irrigated parcel | 2.5 | Crop irrigation depends on it |
| ☐ | Crops recorded for the current year and the previous years, or the year marked fallow | 2.7 | Crop history is a core scoring input |
| ☐ | Crop history completeness confirmed for each year | 2.7 | A year is never assumed complete |
| ☐ | Annual income recorded for the last completed fiscal years | 2.9 | Income stability |
| ☐ | Credit history: existing loans recorded, or a verified no prior formal credit declaration | 2.9 | Credit History cannot be completed otherwise |
| ☐ | Identity proof and land record uploaded and Verified | 2.10 | Required documents on the assessment checklist |
Strengthens the assessment¶
| ✓ | Item | Where |
|---|---|---|
| ☐ | Parcel location captured (pin, ideally with a boundary) | 2.6 |
| ☐ | Soil Health Card or lab report, Valid for each parcel | 2.5 |
| ☐ | Crop irrigation backed by a field visit | 2.7 |
| ☐ | Yields recorded for harvested crops, and sale status answered | 2.7 |
| ☐ | Sale transactions with their own verified receipts | 2.8 |
| ☐ | Income verified against a document | 2.9 |
| ☐ | Loans classified from a verified bureau report | 2.9 |
| ☐ | Banking, machinery access, livestock, labour and allied livelihood sections completed | 2.9 |
| ☐ | Insurance (PMFBY coverage evidence or other policies) recorded | 2.7 |
Next step
When the profile is ready, start the loan assessment. See Module 3 · Loan Assessment & Sanction.