Hello! I'm your Credit Mantra AI Loan Advisor, powered by GPT-4o-mini.

I have access to your analyzed bank statement data and can give you personalized advice on:

• 📊 Your credit score breakdown across the 5 pillars
• 💰 Loan eligibility & maximum borrowing capacity
• 📉 DTI, DSCR, and savings rate improvement tips
• ⚠️ Risk flags in your spending patterns

What would you like to know?