Proportion of houses not completed for 1215 months after receiving the 1st instalment/ Total number of incomplete houses in the State 
X % 
0.25 
X*0.25 
Proportion of houses not completed for 1518 months after receiving the 1st instalment/ Total number of incomplete houses in the State 
X % 
0.50 
X*0.50 
Proportion of houses not completed for 1824 months after receiving the 1st instalment/ Total number of incomplete houses in the State 
X % 
0.75 
X*0.75 
Proportion of houses not completed for more than 24 months after receiving the 1st instalment/ Total number of incomplete houses in the State 
X % 
1.0 
X*1.0 
Total negative score 

2.50 
Sum(AXB) 