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Act · Early warning
Dinesh Shah · Tractors · Jalna, Maharashtra
CriticalCritical. 30+ DPD on a vehicle loan at another lender.
9 signals add up to 89. Mitigations count against the score.
Delinquent at another lender
30+ DPD on a vehicle loan at another lender.
Bureau score drop
Bureau score down 53 points, from 746 to 693.
Insurance lapse
Insurance lapsed on 15 Aug 2026.
Co-borrower or guarantor stress
Guarantor 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 20 Aug 2026.
Broken promise to pay
Promise to pay on 6 Sep 2026 not kept.
Road tax overdue
Road tax overdue since 5 Oct 2026.
Unpaid e-challans
8 unpaid e-challans in 90 days.
Score 89 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
C4 · Road tax overdue
+5 ptsRoad tax overdue since 5 Oct 2026.
2 Oct 2026
E2 · Rainfall deficit
+10 ptsMonsoon rainfall in Marathwada at 61% of normal, June to September.
29 Sep 2026
B5 · Co-borrower or guarantor stress
+10 ptsGuarantor 30+ DPD on another loan.
20 Sep 2026
C5 · Unpaid e-challans
+5 pts8 unpaid e-challans in 90 days.
6 Sep 2026
R6 · Broken promise to pay
+10 ptsPromise to pay on 6 Sep 2026 not kept.
23 Aug 2026
B1 · Bureau score drop
+12 ptsBureau score down 53 points, from 746 to 693.
20 Aug 2026
R1 · NACH bounce, insufficient funds
+10 ptsNACH bounce for insufficient funds on 20 Aug 2026.
18 Aug 2026
B3 · Delinquent at another lender
+15 pts30+ DPD on a vehicle loan at another lender.
Case flagged by the EWS
Score reached 25 (Emerging).
15 Aug 2026
C1 · Insurance lapse
+12 ptsInsurance lapsed on 15 Aug 2026.