from datetime import datetime ownership_list_mapping = { 'Individual': "1", 'Joint': "2", 'Joint Account': "2", 'Authorized User': "3", 'Authorized user': "3", 'Guarantor': "7", 'Deceased': "20", } 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]" } rule = { "value": { "amount": 75000, "exception": [ "LOAN AGAINST SHARES/SECURITIES", "Gold Loan", "OVERDRAFT", "LOAN AGAINST BANK DEPOSITS", "FLEET CARD", "Telco – Wireless", "Telco – Broadband", "Telco – Landline", "Kisan Credit Card", "Others", "Priority Sector Gold Loan [Secured]", "Temporary Overdraft [Unsecured]" ], "ownership": [ "Individual" ], "percentage": 50, "open_months": 6, "close_months": 36 }, "status": 1 } def check_track_record(reported_date, net_loan_amount, ownership_dict, accounts, rule, bureau_type, account_type_dict): passed_account = [] success = total_payment_grid = 0 rule = rule.get("value") ownership_type = rule.get("ownership") reported_date = '' if not reported_date else datetime.strptime(reported_date, '%Y%m%d') relevant_ownerships = [ownership_dict.get(i.capitalize()) for i in ownership_type] exception_account_types = rule.get("exception") exception_account_types = [i.replace(" ", "").lower() for i in exception_account_types] sanction_amount_threshold = rule.get("amount") percentage_threshold = (net_loan_amount * rule.get("percentage")/100) close_months = rule.get("close_months") open_months = rule.get("open_months") for account in accounts: if str(account.get("AccountHoldertypeCode")) in relevant_ownerships or str(account.get("sch:OwnershipType")) in ownership_type: if bureau_type == 'experian': close_date_key = "Date_Closed" account_type_key, account_amount_key = "Account_Type", "Highest_Credit_or_Original_Loan_Amount" if account.get("CAIS_Account_History") and isinstance(account.get("CAIS_Account_History"), list): total_payment_grid = len(account.get("CAIS_Account_History")) elif isinstance(account.get("CAIS_Account_History"), dict): total_payment_grid = 1 else: close_date_key = "sch:DateClosed" account_type_key, account_amount_key = "sch:AccountType", "sch:SanctionAmount" if account.get("sch:History48Months").get("sch:Month") and isinstance(account.get("sch:History48Months").get("sch:Month"), list): total_payment_grid = len(account.get("sch:History48Months").get("sch:Month")) elif isinstance(account.get("sch:History48Months").get("sch:Month"), dict): total_payment_grid = 1 threshold_amount = percentage_threshold if percentage_threshold < sanction_amount_threshold else sanction_amount_threshold formatted_close_months = '' if not account.get(close_date_key) else datetime.strptime(account.get(close_date_key), '%Y%m%d') account_close_months = calculate_bureau_months(reported_date, formatted_close_months) if account_close_months is not None and account_close_months < close_months and total_payment_grid > open_months: tradeline_account_type = account_type_dict.get(str(account.get(account_type_key))) if bureau_type == 'experian' else account.get(account_type_key) if tradeline_account_type and tradeline_account_type.replace(" ", "").lower() not in exception_account_types: if bureau_type == 'equifax' and not account.get(account_amount_key): account_amount_key = "sch:HighCredit" if account.get(account_amount_key) and float(account.get(account_amount_key)) > float(threshold_amount): success = 1 passed_account = [account.get("Account_Number")] break return [success], passed_account def calculate_bureau_months(date1, date2): if not date1 or not date2: return 0 return (date1 - date2).days // 30 bureau_data = [ { "Identification_Number": "PVTXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXXXX1576", "Portfolio_Type": "R", "Account_Type": "10", "Open_Date": "20061116", "Credit_Limit_Amount": "138000", "Highest_Credit_or_Original_Loan_Amount": "29567", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "13", "Payment_Rating": "0", "Payment_History_Profile": "N", "Special_Comment": None, "Current_Balance": "0", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20221104", "Date_of_First_Delinquency": None, "Date_Closed": "20221104", "Date_of_Last_Payment": "20180303", "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": "20221104", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "3", "CAIS_Account_History": { "Year": "2022", "Month": "11", "Days_Past_Due": "0", "Asset_Classification": "?" }, "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "NEERAJ", "First_Name_Non_Normalized": "SHARMA", "Middle_Name_1_Non_Normalized": None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "2", "Income_TAX_PAN": None, "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19700101" }, { "Surname_Non_Normalized": "NEERAJ SHARMA", "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": "2", "Income_TAX_PAN": None, "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19700101" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "37 ASHOKA ENCLAVE MAIN SEC 34 S/O B S SH", "Second_Line_Of_Address_non_normalized": "ARMA NR ASHOKA ENCLAVE KHWAZA", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "06", "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "02", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "SHAMA INTERNATIONAL PVT LTD C 119 OKHLA", "Second_Line_Of_Address_non_normalized": "INDUSTRIAL AREA PH 1 NR LOGISTIC ESTATE", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "07", "ZIP_Postal_Code_non_normalized": "110020", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "03", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "37 ASHOKA ENCLAVE MAIN SEC 34 S/O B S SH", "Second_Line_Of_Address_non_normalized": "ARMA", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "06", "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "SHAMA INTERNATIONAL PVT LTD C 119 OKHLA", "Second_Line_Of_Address_non_normalized": "NDUSTRIAL AREA PH 1", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": None, "ZIP_Postal_Code_non_normalized": "110020", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "SHAMA INTERNATIONAL PVT LTD C 119 OKHLA", "Second_Line_Of_Address_non_normalized": "INDUSTRIAL AREA PH 1 NR LOGISTIC ESTATE", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": None, "ZIP_Postal_Code_non_normalized": "110020", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "37 ASHOKA ENCLAVE MAIN SEC 34 S/O B S SH", "Second_Line_Of_Address_non_normalized": "ARMA", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": None, "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "37 ASHOKA ENCLAVE MAIN SEC 34 S/O B S SH", "Second_Line_Of_Address_non_normalized": "ARMA NR ASHOKA ENCLAVE KHWAZA", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": None, "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "02" }, { "First_Line_Of_Address_non_normalized": "37 ASHOKA ENCLAVE MAIN SEC 34 B S", "Second_Line_Of_Address_non_normalized": "SHARMA", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": None, "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "02" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "9313059033", "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" }, { "Telephone_Number": "2271604", "Telephone_Type": "02", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" }, { "Telephone_Number": "9313059033", "Telephone_Type": None, "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" }, { "Telephone_Number": "129 2271604", "Telephone_Type": "02", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" }, { "Telephone_Number": "1292271604EXT.:", "Telephone_Type": "00", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" }, { "Telephone_Number": "1292271604", "Telephone_Type": None, "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": "ANIL@SHAMA.BIZ" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": None, "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 }, { "Income_TAX_PAN": None, "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 } ] }, { "Identification_Number": "RURXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX8410", "Portfolio_Type": None, "Account_Type": None, "Open_Date": "20160629", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "360000", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "21", "Payment_Rating": "S", "Payment_History_Profile": "??SSSSS?SS??????????????????????????", "Special_Comment": None, "Current_Balance": "-9340", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20170531", "Date_of_First_Delinquency": None, "Date_Closed": None, "Date_of_Last_Payment": "20161103", "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": "20160731", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2017", "Month": "05", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2017", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2017", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2016", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2016", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2016", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2016", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2016", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "NEERAJ SHARMA", "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": "2", "Income_TAX_PAN": "CSKPS8762F", "Passport_Number": None, "Voter_ID_Number": "HR0651633091", "Date_of_birth": "19700101" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "37,MAIN ASHOKA ENC.FBD", "Second_Line_Of_Address_non_normalized": None, "Third_Line_Of_Address_non_normalized": "..", "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "06", "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": { "Telephone_Number": "832047208942", "Telephone_Type": "02", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": None }, "CAIS_Holder_ID_Details": { "Income_TAX_PAN": "CSKPS8762F", "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": "HR0651633091", "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": "RURXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX0154", "Portfolio_Type": "I", "Account_Type": "12", "Open_Date": "20190918", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "2500000", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "21", "Payment_Rating": "S", "Payment_History_Profile": "SSSSSSSSSSSSSSSSSS??SSS?SS?S????????", "Special_Comment": None, "Current_Balance": "8020", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20260131", "Date_of_First_Delinquency": None, "Date_Closed": None, "Date_of_Last_Payment": "20260120", "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": "0", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20230930", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2026", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "06", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "05", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "04", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "03", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "10", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "08", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "07", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "04", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "03", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2024", "Month": "02", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2023", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2023", "Month": "11", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2023", "Month": "09", "Days_Past_Due": None, "Asset_Classification": "S" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "NEERAJ SHARMA WO ANIL", "First_Name_Non_Normalized": "SHARMA", "Middle_Name_1_Non_Normalized": None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "2", "Income_TAX_PAN": "CSKPS8762F", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19700101" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "37,MAIN ASHOKA ENC.FBDSEC 35", "Second_Line_Of_Address_non_normalized": "NA", "Third_Line_Of_Address_non_normalized": "NA", "City_non_normalized": "NA", "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "06", "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "917838485344", "FaxNumber": None, "EMailId": None }, "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "CSKPS8762F", "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, 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"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": "CSKPS8762F", "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": "RURXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX9826", "Portfolio_Type": "I", "Account_Type": "03", "Open_Date": "20251231", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "4000000", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "21", "Payment_Rating": "S", "Payment_History_Profile": "S???????????????????????????????????", "Special_Comment": None, "Current_Balance": "3990708", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20260131", "Date_of_First_Delinquency": None, "Date_Closed": None, "Date_of_Last_Payment": "20260107", "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": "0", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20251231", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2026", "Month": "01", "Days_Past_Due": None, "Asset_Classification": "S" }, { "Year": "2025", "Month": "12", "Days_Past_Due": None, "Asset_Classification": "S" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "NEERAJ SHARMA", "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": "2", "Income_TAX_PAN": "CSKPS8762F", "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19700101" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "37,MAIN ASHOKA ENC.FBDSEC 35", "Second_Line_Of_Address_non_normalized": "NA", "Third_Line_Of_Address_non_normalized": "NA", "City_non_normalized": "NA", "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "06", "ZIP_Postal_Code_non_normalized": "121003", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": None }, "CAIS_Holder_Phone_Details": { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "7838485344", "FaxNumber": None, "EMailId": None }, "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "CSKPS8762F", "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": "CSKPS8762F", "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": "CSKPS8762F", "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_track_record('20260209', 480000, ownership_list_mapping, bureau_data, rule, 'experian', account_type))