EWS Command Center

Repeated delays in payment of interest or principal installments

Significant decline in turnover, profitability or net worth

High frequency of dishonoured cheques or failed ECS mandates

Repeated requests for enhancement/ad-hoc limits without business justification

Utilization of funds for purposes other than sanctioned

Downgrade by external credit rating agency

Account frequently at or above sanctioned limit

Significant reduction in current account credits vs. historical pattern

Unusual fund transfers to entities not part of known supply chain

Excessive round-tripping of funds between group entities

Sanctioned limits not utilized despite availability

Maintaining accounts with many banks without business justification

Unusually high cash withdrawals relative to business nature

Failure to submit audited financial statements within stipulated time

Breach of terms and conditions of credit facility

Non-registration or delay in registration of charge with ROC

Adverse remarks or qualifications in auditor's report

Change of statutory auditors without reasonable explanation

Failure to submit monthly stock/book debt statements

Significant reduction in value of charged collateral

Failure to maintain adequate insurance on charged assets

Sale or disposal of hypothecated/mortgaged assets without bank permission

Discovery of competing claims or encumbrances on security

Material differences between book stock and physical stock

Cost/time overruns beyond acceptable limits in project financing

Termination or non-renewal of key contracts representing significant revenue

Prolonged labour issues affecting business operations

Significant technology shift making borrower's operations uncompetitive

Persistent decline in capacity utilization below break-even

Adverse environmental or regulatory actions affecting operations

Sudden departure of key management personnel or promoters

Internal disputes among promoters or board members

Unusual or excessive related party transactions not in ordinary course

Significant pledging or sale of promoter shareholding

SEBI, ED, CBI or other regulatory action against promoters/directors

Non-compliance with corporate governance norms

Evidence of circular or fictitious trading among group/related entities

Frequent devolvement of letters of credit

Invocation of bank guarantees issued on behalf of borrower

Disproportionate receivables or payables compared to business volume

Excessive dependence on single buyer or supplier

Negative industry outlook per RBI/CRISIL/ICRA sector reports

Sharp adverse movement in key commodity prices affecting borrower

Significant unhedged foreign currency exposure

High sensitivity to interest rate changes in borrower's cost structure