from datetime import datetime import traceback from collections import defaultdict account_type= { "1": "Auto Loan", "01": "Auto Loan", "2": "Housing Loan", "02": "Housing Loan", "3": "Property Loan", "03": "Property Loan", "4": "LOAN AGAINST SHARES/SECURITIES", "04": "LOAN AGAINST SHARES/SECURITIES", "5": "Personal Loan", "05": "Personal Loan", "6": "Consumer Loan", "06": "Consumer Loan", "7": "Gold Loan", "07": "Gold Loan", "8": "EDUCATIONAL LOAN", "08": "EDUCATIONAL LOAN", "9": "LOAN TO PROFESSIONAL", "09": "LOAN TO PROFESSIONAL", "10": "Credit Card", "11": "LEASING", "12": "OVERDRAFT", "13": "TWO-WHEELER LOAN", "14": "NON-FUNDED CREDIT FACILITY", "15": "LOAN AGAINST BANK DEPOSITS", "16": "FLEET CARD", "17": "Commercial Vehicle Loan", "18": "Telco – Wireless", "19": "Telco – Broadband", "20": "Telco – Landline", "23": "GECL Secured", "24": "GECL Unsecured", "31": "Secured Credit Card", "32": "Used Car Loan", "33": "Construction Equipment Loan", "34": "Tractor Loan", "35": "Corporate Credit Card", "36": "Kisan Credit Card", "37": "Loan on Credit Card", "38": "Prime Minister Jaan Dhan Yojana - Overdraft", "39": "Mudra Loans – Shishu / Kishor / Tarun", "40": "Microfinance – Business Loan", "41": "Microfinance – Personal Loan", "42": "Microfinance – Housing Loan", "43": "Microfinance – Others", "44": "Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY CLSS", "45": "P2P Personal Loan", "46": "P2P Auto Loan", "47": "P2P Education Loan", "51": "BUSINESS LOAN – GENERAL", "52": "BUSINESS LOAN –PRIORITY SECTOR – SMALL BUSINESS", "53": "BUSINESS LOAN –PRIORITY SECTOR – AGRICULTURE", "54": "BUSINESS LOAN –PRIORITY SECTOR – OTHERS", "55": "BUSINESS NON-FUNDED CREDIT FACILITY – GENERAL", "56": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – SMALL BUSINESS", "57": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – AGRICULTURE", "58": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – OTHERS", "59": "BUSINESS LOANS AGAINST BANK DEPOSITS", "60": "Staff Loan", "61": "Business Loan - Unsecured", "00": "Others", "50": "Business Loan - Secured", "69": "Short Term Personal Loan [Unsecured]", "70": "Priority Sector Gold Loan [Secured]", "71": "Temporary Overdraft [Unsecured]" } ownership_list_mapping = { 'Individual': "1", 'Joint': "2", 'Joint Account': "2", 'Authorized User': "3", 'Authorized user': "3", 'Guarantor': "7", 'Deceased': "20", } bureau_surrogate = { "status": 1, "values": [ { "limit": 10, "status": 1, "account_type": [ "Housing Loan" ], "open_vintage": 12, "close_vintage": 60, "ownership_type": [ "Individual" ] }, { "limit": 30, "status": 1, "account_type": [ "Auto Loan", "Used Car Loan" ], "open_vintage": 12, "close_vintage": 60, "ownership_type": [ "Individual" ] }, { "limit": 15, "status": 1, "account_type": [ "BUSINESS LOAN – GENERAL", "Business Loan - Unsecured" ], "open_vintage": 12, "close_vintage": 60, "ownership_type": [ "Individual" ] }, { "limit": 50, "status": 1, "account_type": [ "Consumer Loan" ], "open_vintage": 12, "close_vintage": 60, "ownership_type": [ "Individual" ], "account_type_count": [ { "personal_count": 0, "percentage_limit": 200 }, { "personal_count": 1, "percentage_limit": 150 }, { "personal_count": 2, "percentage_limit": 100 } ] }, { "limit": 50, "status": 1, "account_type": [ "Personal Loan" ], "open_vintage": 12, "close_vintage": 60, "ownership_type": [ "Individual" ], "account_type_count": [ { "personal_count": 0, "percentage_limit": 75 }, { "personal_count": 1, "percentage_limit": 65 }, { "personal_count": 2, "percentage_limit": 55 } ] } ] } def check_surrogate_rule(approved_amount, created_at, bureau_surrogate_rules, accounts, ownership_dict, account_mappings, bureau_type): try: success = False reverse_account_mappings = {val: key for key, val in account_mappings.items()} bureau_surrogate_rules = [item for item in bureau_surrogate_rules.get("values") if item.get("status") == 1] available_sanction_amt_list = [] account_type_grouped_accts = defaultdict(dict) current_date = datetime.now() personal_loan_count = 0 for acct in accounts: if str(acct.get("Account_Type")) in ("5", "05") or str(acct.get("sch:AccountType")) in ("5", "05"): open_date_str = acct.get("Open_Date") if bureau_type == 'experian' else acct.get("sch:DateOpened") date_fmt = '%Y%m%d' if bureau_type == 'experian' else '%Y-%m-%d' if open_date_str: try: open_date = datetime.strptime(str(open_date_str), date_fmt) if calculate_bureau_months(current_date, open_date) <= 12: personal_loan_count += 1 except Exception: pass print(personal_loan_count) available_account_types = {account for item in bureau_surrogate_rules for account in item['account_type']} if bureau_type == 'experian': created_at = '' if not created_at else datetime.strptime(created_at, '%Y%m%d') available_account_types = {key for key, value in account_mappings.items() if value in available_account_types} else: created_at = '' if not created_at else datetime.strptime(created_at, '%d-%m-%Y') for distinct_account in available_account_types: account_type_grouped_accts[distinct_account]['accounts'] = [acct for acct in accounts if (str(acct.get("Account_Type")) == distinct_account or str(acct.get("sch:AccountType")) == distinct_account)] for rules in bureau_surrogate_rules: rule_ownership_list = rules.get("ownership_type") rule_open_vintage = rules.get("open_vintage") rule_close_vintage = rules.get("close_vintage") rule_percentage = rules.get("limit") rule_account_type = rules.get("account_type") rule_account_type_count = rules.get("account_type_count") check_accounts = [] for selections in rule_account_type: check_accounts.append(int(reverse_account_mappings.get(selections))) relevant_ownerships = [ownership_dict.get(i.capitalize()) for i in rule_ownership_list] for type, accts in account_type_grouped_accts.items(): available_sanction_list = [] available_sanction_amount = 0 for acct in accts.get("accounts", []): if str(acct.get("AccountHoldertypeCode")) in relevant_ownerships or str(acct.get("sch:OwnershipType")) in rule_ownership_list: if bureau_type == 'experian': close_date_key = "Date_Closed" total_payment_grid = len(acct.get("CAIS_Account_History")) if acct.get("CAIS_Account_History") else 0 sanction_amount_key = "Highest_Credit_or_Original_Loan_Amount" close_date = '' if not acct.get(close_date_key) else datetime.strptime(acct.get(close_date_key), '%Y%m%d') else: close_date_key = "sch:DateClosed" total_payment_grid = len(acct.get("sch:History48Months").get("sch:Month")) if acct.get("sch:History48Months").get("sch:Month") else 0 sanction_amount_key = "sch:SanctionAmount" if acct.get("sch:SanctionAmount") else "sch:HighCredit" close_date = '' if not acct.get(close_date_key) else datetime.strptime(acct.get(close_date_key),'%Y-%m-%d') acct_close_vintage = calculate_bureau_months(created_at, close_date) passes_vintage = rule_account_type_count or (total_payment_grid >= rule_open_vintage and acct_close_vintage <= rule_close_vintage) if passes_vintage: if acct.get(sanction_amount_key): available_sanction_list.append(float(acct.get(sanction_amount_key))) if available_sanction_list and int(type) in check_accounts: if rule_account_type_count: matched_percentage = None for count_rule in rule_account_type_count: if personal_loan_count == count_rule.get("personal_count"): matched_percentage = count_rule.get("percentage_limit") break if matched_percentage is not None: available_sanction_amount = max(available_sanction_list) * matched_percentage / 100 else: continue else: available_sanction_amount = max(available_sanction_list) * rule_percentage / 100 available_sanction_amt_list.append({",".join(rules.get("account_type")): available_sanction_amount}) if available_sanction_amount >= 50000: success = True return [1 if success else 0], available_sanction_amt_list except Exception as ex: print(traceback.print_exc()) def calculate_bureau_months(date1, date2): if not date1 or not date2: return 0 return (date1 - date2).days // 30 bureau_data = [ { "Identification_Number": "PUBXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXXXXX5559", "Portfolio_Type": "I", "Account_Type": "01", "Open_Date": "20151110", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "500000", "Terms_Duration": "067", "Terms_Frequency": "M", "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "15", "Payment_Rating": "S", "Payment_History_Profile": "SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS", "Special_Comment": None, "Current_Balance": "0", "Amount_Past_Due": None, "Original_Charge_Off_Amount": None, "Date_Reported": "20201130", "Date_of_First_Delinquency": None, "Date_Closed": "20201105", "Date_of_Last_Payment": "20201103", "SuitFiledWillfulDefaultWrittenOffStatus": None, "SuitFiled_WillfulDefault": None, "Written_off_Settled_Status": None, "Value_of_Credits_Last_Month": None, "Occupation_Code": None, "Settlement_Amount": "0", "Value_of_Collateral": "845407", "Type_of_Collateral": "01", "Written_Off_Amt_Total": "0", "Written_Off_Amt_Principal": "0", "Rate_of_Interest": "8.000", "Repayment_Tenure": "67", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20171130", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2020", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "06", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "05", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "04", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "03", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2020", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "06", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "05", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "04", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "03", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2019", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "06", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "05", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "04", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "03", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2018", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2017", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2017", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "ARUNESH", "First_Name_Non_Normalized": "KUMAR", "Middle_Name_1_Non_Normalized": "DUTTA", "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "1", "Income_TAX_PAN": "BDAPD9283L", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19910331" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "CMPDI EXPLORATION CAMP TEKADI", "Second_Line_Of_Address_non_normalized": "PO--KAMPTEE COLLIERY", "Third_Line_Of_Address_non_normalized": "KANHAN", "City_non_normalized": "NAGPUR", "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "27", "ZIP_Postal_Code_non_normalized": "441404", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "8411959033", "FaxNumber": None, "EMailId": None }, "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None } ] }, { "Identification_Number": "NBFXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX0761", "Portfolio_Type": "I", "Account_Type": "06", "Open_Date": "20171031", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "27490", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "13", "Payment_Rating": "0", "Payment_History_Profile": "????????????????????000?????????????", "Special_Comment": None, "Current_Balance": "0", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20210331", "Date_of_First_Delinquency": None, "Date_Closed": "20181014", "Date_of_Last_Payment": "20180902", "SuitFiledWillfulDefaultWrittenOffStatus": None, "SuitFiled_WillfulDefault": None, "Written_off_Settled_Status": None, "Value_of_Credits_Last_Month": None, "Occupation_Code": None, "Settlement_Amount": None, "Value_of_Collateral": None, "Type_of_Collateral": None, "Written_Off_Amt_Total": None, "Written_Off_Amt_Principal": None, "Rate_of_Interest": None, "Repayment_Tenure": "0", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20190430", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2021", "Month": "03", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "06", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "05", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "04", "Days_Past_Due": "0", "Asset_Classification": "?" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "ARUNESH KUMAR DUTTA", "First_Name_Non_Normalized": None, "Middle_Name_1_Non_Normalized": None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "1", "Income_TAX_PAN": "BDAPD9283L", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19910331" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "DUPLEX NO B10 SANIKA VIHAR RAJ KALA DEVE", "Second_Line_Of_Address_non_normalized": "LOPERS BHILGAON KAMPTEE RANALA ROAD - NE", "Third_Line_Of_Address_non_normalized": "AR BHILGAON GRAM PANCHAYAT", "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "27", "ZIP_Postal_Code_non_normalized": "440026", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "8806760803", "Telephone_Type": "02", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" }, { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "9766111093", "FaxNumber": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" } ], "CAIS_Holder_ID_Details": { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" } }, { "Identification_Number": "NBFXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX4997", "Portfolio_Type": "I", "Account_Type": "06", "Open_Date": "20171231", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "5088", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "13", "Payment_Rating": "0", "Payment_History_Profile": "???????????????????000??????????????", "Special_Comment": None, "Current_Balance": "0", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20210331", "Date_of_First_Delinquency": None, "Date_Closed": "20180731", "Date_of_Last_Payment": "20180402", "SuitFiledWillfulDefaultWrittenOffStatus": None, "SuitFiled_WillfulDefault": None, "Written_off_Settled_Status": None, "Value_of_Credits_Last_Month": None, "Occupation_Code": None, "Settlement_Amount": None, "Value_of_Collateral": None, "Type_of_Collateral": None, "Written_Off_Amt_Total": None, "Written_Off_Amt_Principal": None, "Rate_of_Interest": None, "Repayment_Tenure": "0", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20190531", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2021", "Month": "03", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "07", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "06", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2019", "Month": "05", "Days_Past_Due": "0", "Asset_Classification": "?" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "ARUNESH KUMAR DUTTA", "First_Name_Non_Normalized": None, "Middle_Name_1_Non_Normalized": None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "1", "Income_TAX_PAN": "BDAPD9283L", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19910331" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "DUPLEX NO B10 SANIKA VIHAR RAJ KALA DEVE", "Second_Line_Of_Address_non_normalized": "LOPERS BHILGAON KAMPTEE RANALA ROAD - NE", "Third_Line_Of_Address_non_normalized": "AR BHILGAON GRAM PANCHAYAT", "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "27", "ZIP_Postal_Code_non_normalized": "440026", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "8806760803", "Telephone_Type": "03", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" }, { "Telephone_Number": "8806760803", "Telephone_Type": "02", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" }, { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "9766111093", "FaxNumber": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" } ], "CAIS_Holder_ID_Details": { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": "ARUNESHDUTTA@YMAIL.COM" } }, { "Identification_Number": "PVTXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXXXXXXX4319", "Portfolio_Type": "R", "Account_Type": "10", "Open_Date": "20180321", "Credit_Limit_Amount": "0", "Highest_Credit_or_Original_Loan_Amount": "115049", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, 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None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "1", "Income_TAX_PAN": "BDAPD9283L", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19910331" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "S O SUNIL DUTTA DUPLEX NO B 10 SANIKA", "Second_Line_Of_Address_non_normalized": "VIHAR NEAR GRAMPANCHAYAT BHILGAON", "Third_Line_Of_Address_non_normalized": "BHILGAON UPPALWADI NAGPUR MAHARASHTRA", "City_non_normalized": "1921 MAHARASHTRA", "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "27", "ZIP_Postal_Code_non_normalized": "440026", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "02", "Residence_code_non_normalized": "02" }, "CAIS_Holder_Phone_Details": { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "9766111093", "FaxNumber": None, "EMailId": "ARUNESHDUTTA@GMAIL.COM" }, "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": "ARUNESHDUTTA@GMAIL.COM" }, { "Income_TAX_PAN": "BDAPD9283L", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None } ] } ] print(check_surrogate_rule(220500, '20260105', bureau_surrogate, bureau_data, ownership_list_mapping, account_type, 'experian'))