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+12%

Total Restructured

1,247

Active cases: 892
High

Outstanding Amount

$4.2M

Avg. per loan: $4,712
+5.3%

Recovery Rate

73.8%

+23

At Risk Loans

156

Needs attention: 48
Loan ID / Borrower Original Amount Outstanding Restructure Type New EMI Status Risk Score Next Due Actions
Rahul Sharma

LN-2024-78542

Rahul Sharma • +91 98765 43210

$12,500

24 months tenure

$8,420

67.4% remaining

Tenure Extension

$285

was $520

Performing
85

Dec 15, 2024

19 days left

Priya Menon

LN-2024-65231

Priya Menon • +91 87654 32109

$28,000

36 months tenure

$22,350

79.8% remaining

Rate Reduction

$680

was $890

Delinquent
35

Nov 28, 2024

2 days overdue

Amit Kumar

LN-2024-54789

Amit Kumar • +91 76543 21098

$45,000

48 months tenure

$38,200

84.9% remaining

Moratorium

$920

was $1,150

Performing
62

Dec 22, 2024

26 days left

Sneha Gupta

LN-2024-43210

Sneha Gupta • +91 65432 10987

$18,500

30 months tenure

$16,800

90.8% remaining

Principal Cut

$420

was $750

Write-Off Risk
18

Nov 10, 2024

20 days overdue

Vikram Reddy

LN-2024-32198

Vikram Reddy • +91 54321 09876

$35,000

42 months tenure

$21,450

61.3% remaining

Tenure Extension

$580

was $980

Performing
92

Dec 08, 2024

12 days left

Neha Patel

LN-2024-21654

Neha Patel • +91 43210 98765

$22,000

30 months tenure

$18,920

86% remaining

Moratorium

$520

was $820

Delinquent
42

Nov 25, 2024

5 days overdue

Manish Joshi

LN-2024-10987

Manish Joshi • +91 32109 87654

$55,000

60 months tenure

$32,100

58.4% remaining

Rate Reduction

$780

was $1,050

Performing
88

Dec 18, 2024

22 days left

Anita Desai

LN-2024-09876

Anita Desai • +91 21098 76543

$8,500

18 months tenure

$5,680

66.8% remaining

Principal Cut

$340

was $520

Performing
68

Dec 05, 2024

9 days left

Showing 1-8 of 892 restructured loans

...

Restructure Trend

Monthly restructured loans over 6 months

Recovery by Type

Distribution of restructure types

AI-Powered Insights

Smart recommendations for restructured loans

Recovery Opportunity

High priority

23 loans showing positive payment behavior. Consider reducing monitoring frequency to optimize resources.

Risk Alert

Immediate action

8 borrowers predicted to miss next EMI. Recommend proactive outreach within 5 days.

Success Metric

This month

Tenure extension strategy showing 82% success rate. Consider as default option for similar profiles.

user

LN-2024-78542

Rahul Sharma

Performing

Last payment received on Nov 15, 2024

Loan Overview

Original Amount

$12,500

Outstanding

$8,420

Original EMI

$520

New EMI

$285

Restructure Details

Type Tenure Extension
Original Tenure 24 months
New Tenure 36 months
Interest Rate 12.5% p.a.
Restructure Date Oct 15, 2024
Risk Score
85

Payment Timeline

EMI Payment Received

$285 paid on Nov 15, 2024

EMI Payment Received

$285 paid on Oct 15, 2024

Loan Restructured

Tenure extended on Oct 15, 2024

Restructure Requested

Application submitted Oct 10, 2024

AI Recommendation

Based on payment history

Borrower shows consistent payment behavior post-restructure. Consider for reduced monitoring and potential rate reduction after 6 months of on-time payments.