Act · Early warning

Case EWS-10221

Dinesh Shah · 3W · Kutch, Gujarat

CriticalCritical. NACH bounce for insufficient funds on 13 Sep 2026.

Why this score

8 signals add up to 88. Mitigations count against the score.

R1
NACH bounce, insufficient funds
NACH bounce for insufficient funds on 13 Sep 2026.
+20
R4
DPD bucket roll
Rolled to a worse DPD bucket on 5 Oct 2026.
+15
C1
Insurance lapse
Insurance lapsed on 30 Aug 2026.
+12
B5
Co-borrower or guarantor stress
Guarantor 30+ DPD on another loan.
+10
R6
Broken promise to pay
Promise to pay on 6 Sep 2026 not kept.
+10
C3
Permit expiring
Permit expires on 13 Aug 2026.
+8
R3
Part payment
Part payment of ₹5,100 against ₹15,000 due.
+8
C5
Unpaid e-challans
8 unpaid e-challans in 90 days.
+5

Score 88 of 100

Critical

255075

EWS 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
1. LMS
  R3 · Part payment
  +8 pts
  Part payment of ₹5,100 against ₹15,000 due.
2. LMS
  R4 · DPD bucket roll
  +15 pts
  Rolled to a worse DPD bucket on 5 Oct 2026.
20 Sep 2026
1. Bureau
  B5 · Co-borrower or guarantor stress
  +10 pts
  Guarantor 30+ DPD on another loan.
13 Sep 2026
1. NACH
  R1 · NACH bounce, insufficient funds
  +20 pts
  NACH bounce for insufficient funds on 13 Sep 2026.
11 Sep 2026
1. NACH
  R1 · NACH bounce, insufficient funds
  +20 pts
  NACH bounce for insufficient funds on 11 Sep 2026.
6 Sep 2026
1. LMS
  R6 · Broken promise to pay
  +10 pts
  Promise to pay on 6 Sep 2026 not kept.
30 Aug 2026
1. Vahan
  C1 · Insurance lapse
  +12 pts
  Insurance lapsed on 30 Aug 2026.
2. LMS
  Case flagged by the EWS
  Score reached 25 (Emerging).
27 Jul 2026
1. Vahan
  C3 · Permit expiring
  +8 pts
  Permit expires on 13 Aug 2026.
20 Jul 2026
1. Vahan
  C5 · Unpaid e-challans
  +5 pts
  8 unpaid e-challans in 90 days.