Free tools / Definition sheet
Credit-risk definition sheet prompt
Two teams can compute different DPD from the same data. Write each definition once, then paste it into every prompt. It is free, needs no sign-up, and works from table and column names alone.
What you enter
You type names only: table and column names, never customer data.
- DPD counting
- Buckets
- NPA / default flag
- Bad flag for scorecards
- Months on book (MOB)
- Active loan
- Write-off treatment
- As-of date rule
How to use it
- Fill each box from your credit policy or MIS manual, not from memory.
- Run the prompt. Fix any conflict the AI finds.
- Share the final sheet with the team so everyone uses the same words.
Checks to run on the answer
AI can write SQL that looks right and is wrong. Run these checks before you trust the result.
- Each definition matches your credit policy document.
- Grace days are stated, even if zero.
- Bad flag window and observation window are both written.
- Write-off and settled loans each have a rule.
- Finance or the regulatory team has seen the NPA line.
Open the tool
You get the ready prompt, the checks above, what healthy and warning results look like, and how to present the result to an approver.
Open the free toolsRelated guides
What is DPD (days past due) and how to calculate it
DPD counts how many days a loan is overdue. Learn the rule, a worked example with several instalments, and the mistakes that make DPD wrong.
BenchmarksGross NPA vs bureau 90+: why the numbers never match
Gross NPA ratio and a credit-bureau 90+ rate look like the same thing. They are not. Learn the six reasons they differ before you compare them.