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Act · Early warning
Prakash Gaikwad · Tractors · Latur, Maharashtra
CriticalCritical. 30+ DPD on a gold loan at another lender.
8 signals add up to 85. Mitigations count against the score.
Delinquent at another lender
30+ DPD on a gold loan at another lender.
DPD bucket roll
Rolled to a worse DPD bucket on 2 Sep 2026.
Unreachable
Phone unreachable for 10 days.
Co-borrower or guarantor stress
Co-borrower 30+ DPD on another loan.
Rainfall deficit
Monsoon rainfall in Marathwada at 61% of normal, June to September.
NACH bounce, insufficient funds
NACH bounce for insufficient funds on 25 Sep 2026.
Broken promise to pay
Promise to pay on 29 Sep 2026 not kept.
Road tax overdue
Road tax overdue since 4 Oct 2026.
Score 85 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.
4 Oct 2026
C4 · Road tax overdue
+5 ptsRoad tax overdue since 4 Oct 2026.
3 Oct 2026
E2 · Rainfall deficit
+10 ptsMonsoon rainfall in Marathwada at 61% of normal, June to September.
29 Sep 2026
R6 · Broken promise to pay
+10 ptsPromise to pay on 29 Sep 2026 not kept.
25 Sep 2026
R1 · NACH bounce, insufficient funds
+10 ptsNACH bounce for insufficient funds on 25 Sep 2026.
2 Sep 2026
B5 · Co-borrower or guarantor stress
+10 ptsCo-borrower 30+ DPD on another loan.
R4 · DPD bucket roll
+15 ptsRolled to a worse DPD bucket on 2 Sep 2026.
24 Aug 2026
B3 · Delinquent at another lender
+15 pts30+ DPD on a gold loan at another lender.
Case flagged by the EWS
Score reached 25 (Emerging).
20 Jul 2026
B4 · Unreachable
+10 ptsPhone unreachable for 10 days.