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Act · Early warning
Swain Roadways · M&HCV · Bhagalpur, Bihar
CriticalCritical. No FASTag toll crossing for 30 days.
8 signals add up to 92. Mitigations count against the score.
No FASTag crossing
No FASTag toll crossing for 30 days.
DPD bucket roll
Rolled to a worse DPD bucket on 26 Sep 2026.
E-way bills down
E-way bills on the operator's GSTIN down 85% against the prior quarter.
Fitness certificate expired
Fitness certificate expired on 31 Aug 2026.
New borrowing elsewhere
Two new loans at other lenders in the last 90 days.
Permit expiring
Permit expires on 25 Aug 2026.
Part payment
Part payment of ₹15,100 against ₹56,000 due.
Freight rates down
Freight rates on the operator's main corridor down 14%.
Score 92 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.
26 Sep 2026
R4 · DPD bucket roll
+15 ptsRolled to a worse DPD bucket on 26 Sep 2026.
25 Sep 2026
U5 · E-way bills down
+12 ptsE-way bills on the operator's GSTIN down 85% against the prior quarter.
31 Aug 2026
C2 · Fitness certificate expired
+10 ptsFitness certificate expired on 31 Aug 2026.
25 Aug 2026
B2 · New borrowing elsewhere
+8 ptsTwo new loans at other lenders in the last 90 days.
19 Aug 2026
E3 · Freight rates down
+6 ptsFreight rates on the operator's main corridor down 14%.
10 Aug 2026
R3 · Part payment
+8 ptsPart payment of ₹15,100 against ₹56,000 due.
6 Aug 2026
C3 · Permit expiring
+8 ptsPermit expires on 25 Aug 2026.
24 Jul 2026
U2 · No FASTag crossing
+25 ptsNo FASTag toll crossing for 30 days.
Case flagged by the EWS
Score reached 25 (Emerging).