{ "_instructions": "Fill all required fields. Remove this _instructions key before submitting via API.", "_field_guide": { "ads_version": "Fixed value — always '1.0'", "pool_name": "Free-text label for the pool, e.g. 'ABC Finance Auto ABS 2026-I Pool'", "asset_class": "One of: RMBS | CMBS | ABS-Auto-New | ABS-Auto-Used | ABS-2W | ABS-Tractor | ABS-Commercial | ABS-Personal | ABS-Credit-Card | MFI | MSME | Trade-Receivables | Supply-Chain | NCD | MLD | Mezzanine | Stressed | Other", "asset_sub_class": "Optional free-text sub-classification, e.g. 'Retail Auto Loans'", "origination_start_date": "ISO 8601 date (YYYY-MM-DD) — earliest loan origination date in pool", "origination_end_date": "ISO 8601 date (YYYY-MM-DD) — latest loan origination date in pool", "pool_cut_date": "ISO 8601 date (YYYY-MM-DD) — pool finalisation date", "pool_size_inr_cr": "Pool outstanding principal balance in ₹ Crore — minimum ₹50 Cr", "number_of_loans": "Integer count of loans in pool", "average_loan_size_inr": "Arithmetic mean ticket size in INR (not Crore)", "average_borrower_age": "Weighted average borrower age in years — optional", "new_to_credit_pct": "% of borrowers with no prior credit bureau history — optional", "average_bureau_score": "Weighted average credit bureau score (e.g. CIBIL) — strongly recommended", "geographic_distribution": "Array of { state, pct_of_pool } objects. All pct_of_pool values must sum to 100 (±0.1)", "weighted_average_original_tenure_months": "WA original loan term in months", "weighted_average_remaining_tenure_months": "WA remaining term at pool cut date in months", "weighted_average_seasoning_months": "WA months since origination — must satisfy RBI MHP requirement", "weighted_average_yield_pct": "WA contractual yield as a percentage, e.g. 16.5", "weighted_average_irr_pct": "WA IRR if different from yield — optional", "coupon_type": "fixed | floating | mixed", "reference_rate": "Required if coupon_type is 'floating' or 'mixed', e.g. 'MCLR', 'Repo Rate'", "spread_over_reference_bps": "Spread in basis points over reference rate — required if floating/mixed", "delinquency_0_30_dpd_pct": "% of pool outstanding in 0–30 DPD bucket", "delinquency_31_60_dpd_pct": "% of pool outstanding in 31–60 DPD bucket", "delinquency_61_90_dpd_pct": "% of pool outstanding in 61–90 DPD bucket", "delinquency_90_plus_dpd_pct": "% of pool in NPA (90+ DPD) bucket — must be ≤ 5% for standard pool", "historic_gross_default_rate_pct": "Prior vintage gross default rate % — recommended", "historic_net_loss_rate_pct": "Prior vintage net loss rate (after recoveries) % — recommended", "recovery_rate_pct": "Historical recovery rate on defaulted loans % — optional", "mhp_compliant": "Boolean — originator attestation of RBI Minimum Holding Period compliance", "mrr_retention_pct": "% of pool retained by originator as MRR — min 10% for RMBS/CMBS, 5% for all others", "mrr_form": "vertical | horizontal | first_loss_piece | senior_piece", "rbi_directions_applicable": "Boolean — whether RBI Securitisation of Standard Assets Directions 2021 apply", "stressed_asset_flag": "Boolean — set true if pool contains stressed/NPA assets (triggers stressed asset framework)", "esg.green_asset_flag": "Boolean — pool contains green or climate-aligned assets", "esg.green_asset_type": "Array — EV-Finance | Solar-Rooftop | Green-Building | Clean-Energy | Water-Conservation | Other-Green", "esg.climate_risk_geography": "Low | Medium | High — null if not assessed", "esg.financial_inclusion_flag": "Boolean — pool serves underbanked/rural borrowers", "esg.rural_pct": "% of borrowers in rural/semi-urban locations — optional", "esg.women_borrower_pct": "% of female borrowers — optional", "esg.first_time_borrower_pct": "% of first-time credit borrowers — optional", "esg.priority_sector_eligible": "Boolean — eligible for PSL classification", "esg.data_quality_score": "Originator self-assessed ESG data quality 0–100 — optional", "esg.disclosure_completeness_pct": "% of ESG fields populated — computed or self-reported", "esg.sustainability_linked": "Boolean — step-up/step-down coupon tied to SLT KPI", "esg.slt_kpi": "SLT KPI description if sustainability_linked is true", "esg.slt_target": "Target value/threshold for SLT KPI", "esg.slt_step_up_bps": "Coupon step-up in bps if KPI missed", "esg.slt_step_down_bps": "Coupon step-down in bps if KPI achieved" }, "ads_version": "1.0", "pool_name": "", "asset_class": "ABS-Auto-New", "asset_sub_class": "", "origination_start_date": "YYYY-MM-DD", "origination_end_date": "YYYY-MM-DD", "pool_cut_date": "YYYY-MM-DD", "pool_size_inr_cr": 0, "number_of_loans": 0, "average_loan_size_inr": 0, "average_borrower_age": null, "new_to_credit_pct": null, "average_bureau_score": null, "geographic_distribution": [ { "state": "", "pct_of_pool": 0 } ], "weighted_average_original_tenure_months": 0, "weighted_average_remaining_tenure_months": 0, "weighted_average_seasoning_months": 0, "weighted_average_yield_pct": 0, "weighted_average_irr_pct": null, "coupon_type": "fixed", "reference_rate": null, "spread_over_reference_bps": null, "delinquency_0_30_dpd_pct": 0, "delinquency_31_60_dpd_pct": 0, "delinquency_61_90_dpd_pct": 0, "delinquency_90_plus_dpd_pct": 0, "historic_gross_default_rate_pct": null, "historic_net_loss_rate_pct": null, "recovery_rate_pct": null, "mhp_compliant": false, "mrr_retention_pct": 5, "mrr_form": "vertical", "rbi_directions_applicable": true, "stressed_asset_flag": false, "esg": { "green_asset_flag": false, "green_asset_type": null, "climate_risk_geography": null, "financial_inclusion_flag": false, "rural_pct": null, "women_borrower_pct": null, "first_time_borrower_pct": null, "priority_sector_eligible": false, "data_quality_score": null, "disclosure_completeness_pct": 0, "sustainability_linked": false, "slt_kpi": null, "slt_target": null, "slt_step_up_bps": null, "slt_step_down_bps": null }, "validated_by_arrowbanc": false, "validation_date": null, "validation_notes": null }