Act · Early warning

Case EWS-12765

Shree Ram Carriers Pvt Ltd · M&HCV · Chennai, Tamil Nadu

CriticalCritical. FASTag toll trips down 81% against the 8-week baseline.

Why this score

8 signals add up to 99. Mitigations count against the score.

U1
FASTag trips down
FASTag toll trips down 81% against the 8-week baseline.
+30
U4
GPS geo-fence exit
Vehicle tracked outside its permitted region, in West Bengal.
+20
B3
Delinquent at another lender
30+ DPD on a gold loan at another lender.
+15
R1
NACH bounce, insufficient funds
NACH bounce for insufficient funds on 22 Sep 2026.
+10
B2
New borrowing elsewhere
Two new loans at other lenders in the last 90 days.
+8
C3
Permit expiring
Permit expires on 19 Aug 2026.
+8
C5
Unpaid e-challans
5 unpaid e-challans in 90 days.
+5
E4
Diesel price up
Diesel price up 8% in 30 days.
+3

Score 99 of 100

Critical

255075

EWS 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
1. FASTag
  U1 · FASTag trips down
  +30 pts
  FASTag toll trips down 81% against the 8-week baseline.
1 Oct 2026
1. Vahan
  C5 · Unpaid e-challans
  +5 pts
  5 unpaid e-challans in 90 days.
2. GPS
  U4 · GPS geo-fence exit
  +20 pts
  Vehicle tracked outside its permitted region, in West Bengal.
22 Sep 2026
1. NACH
  R1 · NACH bounce, insufficient funds
  +10 pts
  NACH bounce for insufficient funds on 22 Sep 2026.
15 Sep 2026
1. Trends
  E4 · Diesel price up
  +3 pts
  Diesel price up 8% in 30 days.
27 Aug 2026
1. Bureau
  B3 · Delinquent at another lender
  +15 pts
  30+ DPD on a gold loan at another lender.
2. LMS
  Case flagged by the EWS
  Score reached 25 (Emerging).
7 Aug 2026
1. Vahan
  C3 · Permit expiring
  +8 pts
  Permit expires on 19 Aug 2026.
31 Jul 2026
1. Bureau
  B2 · New borrowing elsewhere
  +8 pts
  Two new loans at other lenders in the last 90 days.