from datetime import datetime, date from datetime import date from datetime import datetime from dateutil.relativedelta import relativedelta def string_to_date(string, format): return datetime.strptime(string, format).date() def before_x_month_date(months): today = date.today() start_date = today - relativedelta(months=months) return start_date from datetime import datetime, date def dpd_check_equifax(dpd_object, equifax_data): response = [] for dpd in dpd_object: dpd_month_above_0 = dpd['in_last_month'] dpd_count_above_0 = dpd['trade_line_count'] bucket_range = dpd['bucket'].split("-") bucket_boundary_start = int(bucket_range[0]) bucket_boundary_end = int(bucket_range[1]) if len(bucket_range) > 1 else 100000 if not dpd_month_above_0 or not dpd_count_above_0 or not equifax_data: response.append(0) continue start_date = before_x_month_date(dpd_month_above_0) count_per_tradeline = 0 if equifax_data: try: for data in equifax_data: count = 0 if string_to_date(data['sch:DateOpened'], '%Y-%m-%d') > start_date: for index, History in data['sch:History48Months'].items(): count = 0 if isinstance(History, list): count = sum( [1 if '+' in MonthWise['sch:PaymentStatus'] else 0 for MonthWise in History]) elif isinstance(History, dict): if '+' in History['sch:PaymentStatus']: count = 1 else: count = 0 count_per_tradeline += count if count_per_tradeline > dpd_count_above_0: response.append(0) continue if count_per_tradeline <= dpd_count_above_0: response.append(1) continue except: return 'No Equifax Bureau' else: response.append(1) continue return 0 if 0 in response else 1 accounts = [{'Identification_Number': 'NBFXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXX8883', 'Portfolio_Type': 'I', 'Account_Type': '01', 'Open_Date': '20190328', 'Credit_Limit_Amount': None, 'Highest_Credit_or_Original_Loan_Amount': '576500', 'Terms_Duration': '035', 'Terms_Frequency': 'M', 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '13', 'Payment_Rating': '0', 'Payment_History_Profile': '0000?000000000000000000000000000000?', 'Special_Comment': None, 'Current_Balance': '0', 'Amount_Past_Due': '0', 'Original_Charge_Off_Amount': None, 'Date_Reported': '20220221', 'Date_of_First_Delinquency': None, 'Date_Closed': '20220221', 'Date_of_Last_Payment': '20220104', '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': '35', 'Promotional_Rate_Flag': None, 'Income': None, 'Income_Indicator': None, 'Income_Frequency_Indicator': None, 'DefaultStatusDate': None, 'LitigationStatusDate': None, 'WriteOffStatusDate': None, 'DateOfAddition': '20190331', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '2', 'CAIS_Account_History': [ {'Year': '2022', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2021', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2020', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2019', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': {'First_Line_Of_Address_non_normalized': 'HATA SHIVPUR', 'Second_Line_Of_Address_non_normalized': 'SHIVPUR', 'Third_Line_Of_Address_non_normalized': 'GORAKHPUR', 'City_non_normalized': 'SHOPUR', 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '04', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': {'Telephone_Number': '8005338853', 'Telephone_Type': '02', 'Telephone_Extension': None, 'Mobile_Telephone_Number': None, 'FaxNumber': None, 'EMailId': None}, 'CAIS_Holder_ID_Details': [ {'Income_TAX_PAN': 'BPBPN0003F', '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': 'BPBPN0003F', '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': 'BPBPN0003F', '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': 'PVTXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXXXXXXXXXXXXXX0231', 'Portfolio_Type': 'R', 'Account_Type': '10', 'Open_Date': '20200703', 'Credit_Limit_Amount': '230000', 'Highest_Credit_or_Original_Loan_Amount': '142147', 'Terms_Duration': None, 'Terms_Frequency': None, 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '11', 'Payment_Rating': '0', 'Payment_History_Profile': '000000000000000000000000000000000000', 'Special_Comment': None, 'Current_Balance': '18568', 'Amount_Past_Due': None, 'Original_Charge_Off_Amount': None, 'Date_Reported': '20250531', 'Date_of_First_Delinquency': None, 'Date_Closed': None, 'Date_of_Last_Payment': '20250507', 'SuitFiledWillfulDefaultWrittenOffStatus': None, 'SuitFiled_WillfulDefault': None, 'Written_off_Settled_Status': None, 'Value_of_Credits_Last_Month': None, 'Occupation_Code': 'E', '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': '20220531', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '1', 'CAIS_Account_History': [ {'Year': '2025', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': {'First_Line_Of_Address_non_normalized': 'S/O', 'Second_Line_Of_Address_non_normalized': 'GORAKHPUR', 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '02', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': {'Telephone_Number': None, 'Telephone_Type': '01', 'Telephone_Extension': None, 'Mobile_Telephone_Number': '8005338853', 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}, 'CAIS_Holder_ID_Details': {'Income_TAX_PAN': 'BPBPN0003F', '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': 'NIGAMSONUKUMAR04@GMAIL.COM'}}, {'Identification_Number': 'PVTXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXXXXXXXXXXXXXX2273', 'Portfolio_Type': 'I', 'Account_Type': '37', 'Open_Date': '20210311', 'Credit_Limit_Amount': None, 'Highest_Credit_or_Original_Loan_Amount': '105000', 'Terms_Duration': None, 'Terms_Frequency': None, 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '11', 'Payment_Rating': '0', 'Payment_History_Profile': '000000000000000000000000000000000000', 'Special_Comment': None, 'Current_Balance': '30090', 'Amount_Past_Due': None, 'Original_Charge_Off_Amount': None, 'Date_Reported': '20250531', 'Date_of_First_Delinquency': None, 'Date_Closed': None, 'Date_of_Last_Payment': '20250507', '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': '20220531', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '1', 'CAIS_Account_History': [ {'Year': '2025', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': {'First_Line_Of_Address_non_normalized': 'S/O', 'Second_Line_Of_Address_non_normalized': 'GORAKHPUR', 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '02', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': {'Telephone_Number': None, 'Telephone_Type': '01', 'Telephone_Extension': None, 'Mobile_Telephone_Number': '8005338853', 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}, 'CAIS_Holder_ID_Details': {'Income_TAX_PAN': 'BPBPN0003F', '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': 'NIGAMSONUKUMAR04@GMAIL.COM'}}, {'Identification_Number': 'PVTXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXXX0450', 'Portfolio_Type': 'I', 'Account_Type': '07', 'Open_Date': '20210319', 'Credit_Limit_Amount': None, 'Highest_Credit_or_Original_Loan_Amount': '242000', 'Terms_Duration': None, 'Terms_Frequency': None, 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '13', 'Payment_Rating': '0', 'Payment_History_Profile': '000000000000000000000000????????????', 'Special_Comment': None, 'Current_Balance': '0', 'Amount_Past_Due': '0', 'Original_Charge_Off_Amount': None, 'Date_Reported': '20230331', 'Date_of_First_Delinquency': None, 'Date_Closed': '20230310', 'Date_of_Last_Payment': '20230310', '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': '0', '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': '20210331', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '1', 'CAIS_Account_History': [ {'Year': '2023', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2023', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2023', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2022', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2021', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU', 'First_Name_Non_Normalized': 'NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': { 'First_Line_Of_Address_non_normalized': 'S/O: HARISHCHANDRA, HATA, SHIVPUR', 'Second_Line_Of_Address_non_normalized': None, 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '02', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': [ {'Telephone_Number': '8005338853', 'Telephone_Type': '03', 'Telephone_Extension': None, 'Mobile_Telephone_Number': None, 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}, {'Telephone_Number': None, 'Telephone_Type': '01', 'Telephone_Extension': None, 'Mobile_Telephone_Number': '8005338853', 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}, {'Telephone_Number': '8005338853', 'Telephone_Type': '02', 'Telephone_Extension': None, 'Mobile_Telephone_Number': None, 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}], 'CAIS_Holder_ID_Details': {'Income_TAX_PAN': 'BPBPN0003F', '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': 'NIGAMSONUKUMAR04@GMAIL.COM'}}, {'Identification_Number': 'NBFXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXXX3210', 'Portfolio_Type': 'I', 'Account_Type': '01', 'Open_Date': '20220219', 'Credit_Limit_Amount': None, 'Highest_Credit_or_Original_Loan_Amount': '405172', 'Terms_Duration': '035', 'Terms_Frequency': 'M', 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '13', 'Payment_Rating': '0', 'Payment_History_Profile': '??000000000000000000000000000000000?', 'Special_Comment': None, 'Current_Balance': '0', 'Amount_Past_Due': '0', 'Original_Charge_Off_Amount': None, 'Date_Reported': '20250430', 'Date_of_First_Delinquency': None, 'Date_Closed': '20250204', 'Date_of_Last_Payment': '20250204', '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': '35', 'Promotional_Rate_Flag': None, 'Income': None, 'Income_Indicator': None, 'Income_Frequency_Indicator': None, 'DefaultStatusDate': None, 'LitigationStatusDate': None, 'WriteOffStatusDate': None, 'DateOfAddition': '20220531', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '2', 'CAIS_Account_History': [ {'Year': '2025', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2023', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2022', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': { 'First_Line_Of_Address_non_normalized': 'HATA SHIVPUR GORAKHPUR SHIVPUR SHOPUR', 'Second_Line_Of_Address_non_normalized': '216 UTTAR PRADESH', 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '02', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': [ {'Telephone_Number': '8005338853', 'Telephone_Type': '02', 'Telephone_Extension': '91', 'Mobile_Telephone_Number': None, 'FaxNumber': None, 'EMailId': 'chauhan.cwa1987@gmail.com'}, {'Telephone_Number': None, 'Telephone_Type': '01', 'Telephone_Extension': None, 'Mobile_Telephone_Number': '8005338853', 'FaxNumber': None, 'EMailId': 'chauhan.cwa1987@gmail.com'}], 'CAIS_Holder_ID_Details': [ {'Income_TAX_PAN': 'BPBPN0003F', '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': 'chauhan.cwa1987@gmail.com'}, {'Income_TAX_PAN': 'BPBPN0003F', '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': 'BPBPN0003F', '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': 'XXXXXXXXXXXXXXXX7759', 'Portfolio_Type': 'I', 'Account_Type': '13', 'Open_Date': '20240501', 'Credit_Limit_Amount': None, 'Highest_Credit_or_Original_Loan_Amount': '46000', 'Terms_Duration': '012', 'Terms_Frequency': 'M', 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '13', 'Payment_Rating': '0', 'Payment_History_Profile': '000000000000????????????????????????', 'Special_Comment': None, 'Current_Balance': '0', 'Amount_Past_Due': '0', 'Original_Charge_Off_Amount': None, 'Date_Reported': '20250515', 'Date_of_First_Delinquency': None, 'Date_Closed': '20250513', 'Date_of_Last_Payment': '20250508', 'SuitFiledWillfulDefaultWrittenOffStatus': None, 'SuitFiled_WillfulDefault': '00', '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': '12', 'Promotional_Rate_Flag': None, 'Income': None, 'Income_Indicator': None, 'Income_Frequency_Indicator': None, 'DefaultStatusDate': None, 'LitigationStatusDate': None, 'WriteOffStatusDate': None, 'DateOfAddition': '20240531', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '1', 'CAIS_Account_History': [ {'Year': '2025', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '02', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '01', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '12', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '11', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2024', 'Month': '10', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2024', 'Month': '09', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2024', 'Month': '08', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2024', 'Month': '07', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2024', 'Month': '06', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}, {'Year': '2024', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': 'S'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': {'First_Line_Of_Address_non_normalized': 'HATA GORAKHPUR GORAKHPUR 273412', 'Second_Line_Of_Address_non_normalized': None, 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', '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': '8005338853', 'FaxNumber': None, 'EMailId': None}, 'CAIS_Holder_ID_Details': {'Income_TAX_PAN': 'BPBPN0003F', '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': 'PVTXXXXXXXX', 'Subscriber_Name': 'XXXXXXXXXX', 'Account_Number': 'XXXXXXXXXXXXXXX3196', 'Portfolio_Type': 'R', 'Account_Type': '10', 'Open_Date': '20250325', 'Credit_Limit_Amount': '230000', 'Highest_Credit_or_Original_Loan_Amount': '55000', 'Terms_Duration': None, 'Terms_Frequency': None, 'Scheduled_Monthly_Payment_Amount': None, 'Account_Status': '11', 'Payment_Rating': '0', 'Payment_History_Profile': '00??????????????????????????????????', 'Special_Comment': None, 'Current_Balance': '55000', 'Amount_Past_Due': None, 'Original_Charge_Off_Amount': None, 'Date_Reported': '20250515', 'Date_of_First_Delinquency': None, 'Date_Closed': None, 'Date_of_Last_Payment': None, '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': '20250331', 'CurrencyCode': 'INR', 'Subscriber_comments': None, 'Consumer_comments': None, 'AccountHoldertypeCode': '1', 'CAIS_Account_History': [ {'Year': '2025', 'Month': '05', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '04', 'Days_Past_Due': '0', 'Asset_Classification': '?'}, {'Year': '2025', 'Month': '03', 'Days_Past_Due': '0', 'Asset_Classification': '?'}], 'CAIS_Holder_Details': {'Surname_Non_Normalized': 'SONU NIGAM', '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': 'BPBPN0003F', 'Passport_Number': None, 'Voter_ID_Number': None, 'Date_of_birth': '19840111'}, 'CAIS_Holder_Address_Details': {'First_Line_Of_Address_non_normalized': 'HATA GORAKHPUR', 'Second_Line_Of_Address_non_normalized': None, 'Third_Line_Of_Address_non_normalized': None, 'City_non_normalized': None, 'Fifth_Line_Of_Address_non_normalized': None, 'State_non_normalized': '09', 'ZIP_Postal_Code_non_normalized': '273412', 'CountryCode_non_normalized': 'IB', 'Address_indicator_non_normalized': '02', 'Residence_code_non_normalized': None}, 'CAIS_Holder_Phone_Details': {'Telephone_Number': None, 'Telephone_Type': '01', 'Telephone_Extension': None, 'Mobile_Telephone_Number': '8005338853', 'FaxNumber': None, 'EMailId': 'NIGAMSONUKUMAR04@GMAIL.COM'}, 'CAIS_Holder_ID_Details': {'Income_TAX_PAN': 'BPBPN0003F', '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': 'NIGAMSONUKUMAR04@GMAIL.COM'}}] dpd_data = [ { "ownership": [ "Individual", "Guarantor", "Joint", "Authorized User" ], "bucket": "31", "in_last_month": 7, "trade_line_count": 1, "condition": "equal" }, { "ownership": [ "Joint", "Authorized User" ], "bucket": "31-90", "in_last_month": 24, "trade_line_count": 1, "condition": "equal" } ] print(dpd_check_equifax(dpd_data, accounts))