Go to a page or run an action.
Act · Early warning
Raghav Gowda · 2W · Dakshina Kannada, Karnataka
CriticalCritical. Rolled to a worse DPD bucket on 3 Oct 2026.
7 signals add up to 87. Mitigations count against the score.
DPD bucket roll
Rolled to a worse DPD bucket on 3 Oct 2026.
Bureau score drop
Bureau score down 65 points, from 769 to 704.
Insurance lapse
Insurance lapsed on 2 Oct 2026.
Co-borrower or guarantor stress
Guarantor 30+ DPD on another loan.
NACH bounce, insufficient funds
NACH bounce for insufficient funds on 6 Sep 2026.
New borrowing elsewhere
Two new loans at other lenders in the last 90 days.
Unpaid e-challans
8 unpaid e-challans in 90 days.
Score 87 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
B5 · Co-borrower or guarantor stress
+10 ptsGuarantor 30+ DPD on another loan.
3 Oct 2026
R4 · DPD bucket roll
+30 ptsRolled to a worse DPD bucket on 3 Oct 2026.
2 Oct 2026
C1 · Insurance lapse
+12 ptsInsurance lapsed on 2 Oct 2026.
29 Sep 2026
R4 · DPD bucket roll
+30 ptsRolled to a worse DPD bucket on 29 Sep 2026.
19 Sep 2026
B1 · Bureau score drop
+12 ptsBureau score down 65 points, from 769 to 704.
Case flagged by the EWS
Score reached 25 (Emerging).
6 Sep 2026
R1 · NACH bounce, insufficient funds
+10 ptsNACH bounce for insufficient funds on 6 Sep 2026.
2 Aug 2026
B2 · New borrowing elsewhere
+8 ptsTwo new loans at other lenders in the last 90 days.
24 Jul 2026
C5 · Unpaid e-challans
+5 pts8 unpaid e-challans in 90 days.