- 5 (Excellent): 100% repayment achieved on all collection days during the review period
- 4 (Very Good): 99.50 to 99.98% repayment achieved by end of every month during the review period
- 3 (Positive): 99% to 99.49% repayment achieved in any month during the review period
- 2 (Adequate): 98% to 99% repayment achieved in any month during the review period
- 1 (Far below expectation): Below 98% repayment achieved for any month during the review period