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Act · Early warning
Gurukrupa Cargo · SCV · Salem, Tamil Nadu
CriticalCritical. 30+ DPD on a personal loan at another lender.
8 signals add up to 89. Mitigations count against the score.
Delinquent at another lender
30+ DPD on a personal loan at another lender.
DPD bucket roll
Rolled to a worse DPD bucket on 3 Oct 2026.
Bureau score drop
Bureau score down 52 points, from 726 to 674.
Insurance lapse
Insurance lapses on 2 Sep 2026.
Unreachable
Registered mobile number changed on 8 Sep 2026.
Co-borrower or guarantor stress
Guarantor 30+ DPD on another loan.
Broken promise to pay
Promise to pay on 4 Aug 2026 not kept.
Unpaid e-challans
9 unpaid e-challans in 90 days.
Score 89 of 100
CriticalEWS score, daily, with the band thresholds
Synthetic data · a signal counts for 90 days after it is observed
Every signal and event on this case, newest first.
5 Oct 2026
B3 · Delinquent at another lender
+15 pts30+ DPD on a personal loan at another lender.
3 Oct 2026
R4 · DPD bucket roll
+15 ptsRolled to a worse DPD bucket on 3 Oct 2026.
10 Sep 2026
B1 · Bureau score drop
+12 ptsBureau score down 52 points, from 726 to 674.
8 Sep 2026
B4 · Unreachable
+10 ptsRegistered mobile number changed on 8 Sep 2026.
1 Sep 2026
B5 · Co-borrower or guarantor stress
+10 ptsGuarantor 30+ DPD on another loan.
22 Aug 2026
C1 · Insurance lapse
+12 ptsInsurance lapses on 2 Sep 2026.
Case flagged by the EWS
Score reached 25 (Emerging).
10 Aug 2026
C5 · Unpaid e-challans
+5 pts9 unpaid e-challans in 90 days.
4 Aug 2026
R6 · Broken promise to pay
+10 ptsPromise to pay on 4 Aug 2026 not kept.