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Act · Early warning
Naveen Kumar · 3W · Warangal, Telangana
CriticalCritical. First instalment, due 7 Sep 2026, unpaid.
6 signals add up to 83. Mitigations count against the score.
First EMI default
First instalment, due 7 Sep 2026, unpaid.
Dealer early defaults
Dealer DLR-0457's first-EMI default rate is 23% against a network average of 2.1%.
DPD bucket roll
Rolled to a worse DPD bucket on 18 Sep 2026.
Unreachable
Registered mobile number changed on 5 Oct 2026.
Broken promise to pay
Promise to pay on 24 Sep 2026 not kept.
New borrowing elsewhere
Two new loans at other lenders in the last 90 days.
Score 83 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
B4 · Unreachable
+10 ptsRegistered mobile number changed on 5 Oct 2026.
24 Sep 2026
R6 · Broken promise to pay
+10 ptsPromise to pay on 24 Sep 2026 not kept.
20 Sep 2026
K1 · Dealer early defaults
+15 ptsDealer DLR-0457's first-EMI default rate is 23% against a network average of 2.1%.
18 Sep 2026
R4 · DPD bucket roll
+15 ptsRolled to a worse DPD bucket on 18 Sep 2026.
8 Sep 2026
R5 · First EMI default
+25 ptsFirst instalment, due 7 Sep 2026, unpaid.
Case flagged by the EWS
Score reached 25 (Emerging).
18 Jul 2026
B2 · New borrowing elsewhere
+8 ptsTwo new loans at other lenders in the last 90 days.