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Act · Early warning
Sanjay Rawat · SCV · Jodhpur, Rajasthan
CriticalCritical. FASTag toll trips down 83% against the 8-week baseline.
7 signals add up to 90. Mitigations count against the score.
FASTag trips down
FASTag toll trips down 83% against the 8-week baseline.
Delinquent at another lender
30+ DPD on a credit card at another lender.
Bureau score drop
Bureau score down 52 points, from 730 to 678.
Co-borrower or guarantor stress
Guarantor 30+ DPD on another loan.
Broken promise to pay
Promise to pay on 25 Aug 2026 not kept.
Part payment
Part payment of ₹1,200 against ₹4,000 due.
Unpaid e-challans
8 unpaid e-challans in 90 days.
Score 90 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.
8 Sep 2026
C5 · Unpaid e-challans
+5 pts8 unpaid e-challans in 90 days.
5 Sep 2026
U1 · FASTag trips down
+30 ptsFASTag toll trips down 83% against the 8-week baseline.
27 Aug 2026
B3 · Delinquent at another lender
+15 pts30+ DPD on a credit card at another lender.
25 Aug 2026
R6 · Broken promise to pay
+10 ptsPromise to pay on 25 Aug 2026 not kept.
Case flagged by the EWS
Score reached 25 (Emerging).
13 Aug 2026
B1 · Bureau score drop
+12 ptsBureau score down 52 points, from 730 to 678.
29 Jul 2026
R3 · Part payment
+8 ptsPart payment of ₹1,200 against ₹4,000 due.