💳 Credit Approval System

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📖 About The Project

The Credit Approval System is a Dockerized Django REST API designed to evaluate customer loan eligibility using a rule-based credit scoring mechanism.

It calculates credit scores based on:

• Loan repayment history
• Current debt exposure
• Number of active loans
• Income levels
• Interest rate corrections

The system determines loan approval status and corrected interest rates while ensuring financial constraints such as the 50% income exposure rule.

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✨ Key Features

• 🧮 Credit Score Calculation Engine
• 📊 EMI Calculation Logic
• 📉 Interest Rate Correction Slabs
• 👤 Customer Registration
• 🏦 Loan Creation & Management
• 📄 View Customer Loans
• 📂 Bulk Data Ingestion from Excel
• 🐳 Fully Dockerized Setup
• 🗄 PostgreSQL Database
• 🔄 Automatic Migrations on Startup

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🏗️ Architecture

• Backend: Django 6 + Django REST Framework
• Database: PostgreSQL
• Containerization: Docker & Docker Compose
• Excel Handling: OpenPyXL
• API Communication: RESTful JSON APIs

graph TD
    Client --> API[Django REST API]
    API --> DB[(PostgreSQL)]
    API --> Engine[Credit Scoring Engine]
    Docker --> API
    Docker --> DB

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📁 Project Structure

credit-approval-system/
├── docker-compose.yml
├── Dockerfile
├── manage.py
├── requirements.txt
├── core/
├── customers/
├── loans/
└── scripts/

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⚙️ Getting Started

Prerequisites

• Docker
• Docker Compose

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🐳 Run with Docker

docker-compose up --build

The API will be available at:

http://localhost:8000

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📌 API Endpoints

• POST /register → Register new customer
• POST /check-eligibility → Check loan eligibility
• POST /create-loan → Create a loan
• GET /view-loan/<loan_id> → View loan details
• GET /view-loans/<customer_id> → View all loans for a customer

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🛣️ Roadmap

• Credit Scoring Engine
• EMI Calculation
• Interest Slab Correction
• Docker Integration
• Authentication & JWT
• Admin Dashboard
• Production Deployment

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📜 License

MIT License © 2025 Aryan Baadlas

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📬 Contact

Aryan Baadlas
Email: aryanbaadlas@gmail.com
GitHub: https://github.com/be-a-guptaji

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