A disciplined funnel across 3.2 million users. Statutory retention is five years, so the clock is a single setting we can change if the law does. Nothing is deleted until legal sign-off — this produces a reviewed candidate list, not an action.
The Funnel — from everyone, down to candidates
Every user on the platform
The full base we start from.
3,218,005total users
↓ keep everyone onboarded within 5 years
Onboarded more than 5 years ago
Only these users are analyzed at all. The other ~3.16M joined recently and are kept, untouched — under 2% of the base proceeds.
61,483older than 5 yrs
↓ those who appear in a loan, in any role
Have a loan footprint
Appear as a borrower, guarantor, or recommender on at least one loan.
59,279analyzed
↓ deletable in every role they hold
Eligible for deletion
Onboarded over 5 years ago, nothing live or under recovery, every interaction provably older than 5 years.
22,872final candidates
Each person judged in every role — then merged
Borrower
primary applicant
Analyzed59,247
Deletable as borrower22,953
Guarantor
backs others' loans
Analyzed357
Deletable as guarantor5
Recommender
referred-by
Analyzed2
Deletable as recommender0
The merge rule: a person is deleted only if deletable in every role they hold — one reason to keep, anywhere, saves them. About 81 borrowers who looked deletable as borrowers (22,953) did not make the final list (22,872), because they are still active or recently active as a guarantor or recommender on someone else's loan. That gap is exactly the silent-deletion risk the cross-role check removes. Note on the number: it is the net effect of the merge across all three roles (borrower minus final, adjusted for the 5 guarantor-only and 0 recommender-only deletions). Treat it as “roughly 80,” not an exact column subtraction.
The union — final outcome across 59,279 analyzed
Delete
22,872
Old, dormant in every role, no live relationship and no interaction within 5 years.
Keep
36,406
A live or under-recovery loan, a recent interaction, or an active role on someone else's loan.
Manual review
1
All loans closed, but a date is missing or pre-2017 — inactivity can't be proven, so a human decides.
How a verdict is reached — read in order, first match wins
Step 1 · Vintage gate
Anyone onboarded less than 5 years ago is kept immediately and never analyzed. Five years is the statutory record-keeping floor.
Step 2a · Live relationship?
Any loan that is running, in the approval pipeline, overdue, in default (NPA), or written-off → keep. Written-off stays because recovery may still be pursued.
Step 2b · Recent interaction?
Most recent activity of any kind within 5 years → keep. This includes a recently closed loan and a recently discarded or rejected application (a real touch-point with us).
Step 2c · Can we prove it?
All activity looks old, but a closed loan has a missing or pre-2017 date → manual review, never an automatic delete.
Step 2d · Otherwise
Onboarded over 5 years ago, nothing live, every interaction provably older than 5 years → eligible for deletion.
Step 3 · Merge roles
Combine borrower, guarantor and recommender verdicts with precedence Keep > Manual > Delete. Absent roles are not counted against a person.
Key definitions
Terminal loan
A fully finished loan: status “Closed – Repaid” or “Surplus Repaid.” These are the only states that can make someone deletable.
Live / keep states
Current, pipeline (Preview, Initiated, Loan Terms Accepted, Pending/Approval/Disbursal), overdue (Late), default (NPA 30/60/90), Moratorium, Surplus 1–3+, and Written Off.
Non-loan interaction
A Discarded or Rejected application never became a loan, but its date still counts as a real interaction for the 5-year recency test.
Onboarding vintage
The date the user joined the platform. Drives the Step 1 gate. Measured as today minus joining date > 5 years.
Important caveats — please read before acting on these numbers.
• This is a reviewed candidate list, not a deletion. Nothing has been or will be removed without legal sign-off on the statutory retention period.
• Retention is set to 5 years as a single parameter; if the legally required period changes, one value is updated and every number here recomputes.
• Rejected / discarded applicant records form a large share of the analyzed pool. These may carry their own KYC / lending retention requirements — flagged for legal review.
• Co-borrower is not yet a modeled role in the source data (reserved for a future product feature); recommender exists but is tiny (10 people platform-wide). Both are documented gaps, not omissions.
• Dates before 2017 (company founding) are treated as data errors; loans relying on them are sent to manual review rather than deleted.
Safety principles built into the logic
i. Recency protects
Any interaction within 5 years — including a discarded or rejected application — counts as activity and keeps the user.
ii. Recovery protects
Written-off and overdue loans are never deleted; we may still be pursuing the money or calling on a guarantor.
iii. Ambiguity escalates
When a date is missing or clearly wrong, we never guess — the case goes to a human for manual review.
iv. Keep always wins
Across borrower, guarantor and recommender roles, a single keep signal anywhere vetoes deletion.