Rule Engine
Rules for every bank product. Bank-wide guardrails apply on top of every journey.
Active rules
Paused rules stop firing but keep their setup. Turn them back on any time.
Card issued: goal met
Debit card
WHEN Activate card (set PIN / first login) within 15 days
IF Customer in bucket: Card issued
THEN Give: ₹100 activation voucher · Move to bucket: Activated
Card issued: window closed
Debit card
WHEN 15 days passed without goal
IF Customer in bucket: Card issued
THEN Do: Block old card · issue new card · Move to bucket: Card reissued
Card reissued: goal met
Debit card
WHEN Activate the new card within 15 days
IF Customer in bucket: Card reissued
THEN Give: ₹100 activation voucher · Move to bucket: Activated
Card reissued: window closed
Debit card
WHEN 15 days passed without goal
IF Customer in bucket: Card reissued
THEN Do: Call-centre / branch follow-up · Move to bucket: Branch outreach
Activated: goal met
Debit card
WHEN First POS / online transaction within 30 days
IF Customer in bucket: Activated
THEN Give: 5% cashback up to ₹250 · Move to bucket: First spend
Activated: window closed
Debit card
WHEN 30 days passed without goal
IF Customer in bucket: Activated
THEN Do: Moved to win-back · Move to bucket: At-risk
At-risk: goal met
Debit card
WHEN Any transaction in 30 days within 30 days
IF Customer in bucket: At-risk
THEN Give: ₹100 voucher · Move to bucket: Engaged
At-risk: window closed
Debit card
WHEN 30 days passed without goal
IF Customer in bucket: At-risk
THEN Do: Moved to reactivation · Move to bucket: Dormant
Dormant: goal met
Debit card
WHEN Any transaction in 45 days within 45 days
IF Customer in bucket: Dormant
THEN Give: 2x reward points for 30 days · Move to bucket: Engaged
Dormant: window closed
Debit card
WHEN 45 days passed without goal
IF Customer in bucket: Dormant
THEN Do: Branch / RM call · Move to bucket: Branch outreach
Approved: goal met
Credit card
WHEN Activate and make first spend within 30 days
IF Customer in bucket: Approved
THEN Give: Welcome 1,000 reward points · Move to bucket: Activated
Approved: window closed
Credit card
WHEN 30 days passed without goal
IF Customer in bucket: Approved
THEN Do: RM call · annual fee waiver offer · Move to bucket: Inactive
Spending: goal met
Credit card
WHEN Pay total due by due date within 7 days
IF Customer in bucket: Spending
THEN Give: No action · stays Spending · Move to bucket: Spending
Spending: window closed
Credit card
WHEN 7 days passed without goal
IF Customer in bucket: Spending
THEN Do: Late-fee notice · payment link · Move to bucket: Delinquent
Delinquent: goal met
Credit card
WHEN Clear overdue amount within 30 days
IF Customer in bucket: Delinquent
THEN Give: Late fee reversal (one-time) · Move to bucket: Spending
Delinquent: window closed
Credit card
WHEN 30 days passed without goal
IF Customer in bucket: Delinquent
THEN Do: Hand over to collections team · Move to bucket: Collections
Account opened: goal met
Savings account
WHEN First deposit of ₹5,000+ within 15 days
IF Customer in bucket: Account opened
THEN Give: ₹150 welcome cashback · Move to bucket: Funded
Account opened: window closed
Savings account
WHEN 15 days passed without goal
IF Customer in bucket: Account opened
THEN Do: Branch welcome call · Move to bucket: Dormant
Low balance: goal met
Savings account
WHEN Restore minimum balance within 10 days
IF Customer in bucket: Low balance
THEN Give: Penalty waived · Move to bucket: Digitally active
Low balance: window closed
Savings account
WHEN 10 days passed without goal
IF Customer in bucket: Low balance
THEN Do: Penalty applied · offer lower-balance variant · Move to bucket: Low balance
Dormant: goal met
Savings account
WHEN Any customer-initiated transaction within 30 days
IF Customer in bucket: Dormant
THEN Give: ₹100 cashback on first UPI payment · Move to bucket: Digitally active
Dormant: window closed
Savings account
WHEN 30 days passed without goal
IF Customer in bucket: Dormant
THEN Do: Branch call · KYC re-verification · Move to bucket: Dormant
Pre-approved: goal met
Personal loan
WHEN Complete loan application within 21 days
IF Customer in bucket: Pre-approved
THEN Give: Processing fee waived · Move to bucket: Disbursed
Pre-approved: window closed
Personal loan
WHEN 21 days passed without goal
IF Customer in bucket: Pre-approved
THEN Do: Retry next quarter · Move to bucket: Pre-approved
EMI bounced: goal met
Personal loan
WHEN Pay missed EMI within 15 days
IF Customer in bucket: EMI bounced
THEN Give: Bounce charge reversal (one-time) · Move to bucket: Repaying on time
EMI bounced: window closed
Personal loan
WHEN 15 days passed without goal
IF Customer in bucket: EMI bounced
THEN Do: Hand over to collections · Move to bucket: EMI bounced
Balance-transfer risk: goal met
Home loan
WHEN Accept retention offer within 15 days
IF Customer in bucket: Balance-transfer risk
THEN Give: Rate reset 0.25% lower · Move to bucket: Repaying on time
Balance-transfer risk: window closed
Home loan
WHEN 15 days passed without goal
IF Customer in bucket: Balance-transfer risk
THEN Do: Senior RM escalation · Move to bucket: Balance-transfer risk
Maturing (30 days): goal met
Fixed deposit
WHEN Renew or rebook before maturity within 30 days
IF Customer in bucket: Maturing (30 days)
THEN Give: +0.10% bonus rate · Move to bucket: Renewed
Maturing (30 days): window closed
Fixed deposit
WHEN 30 days passed without goal
IF Customer in bucket: Maturing (30 days)
THEN Do: Offer mutual fund / RD alternative · Move to bucket: Withdrawn
Interested: goal met
Insurance & wealth
WHEN Buy a policy within 21 days
IF Customer in bucket: Interested
THEN Give: First-year premium discount 5% · Move to bucket: Purchased
Interested: window closed
Insurance & wealth
WHEN 21 days passed without goal
IF Customer in bucket: Interested
THEN Do: Retry in 90 days · Move to bucket: Eligible
Bank-wide guardrails
Apply on top of every rule and journey. Untick to lift one.
Message limits (all products)
Priority
Safety checks
Budget
✎ Rules read like a sentence so bank teams can set them up without tech help.