- Login→Sanction at 38.0% (-5.9pp MoM) against the 55% floor.Derived from: 327 sanctions / 861 logins vs 283/645 prior
- Delhi/NCR loses the most files in the funnel — 210 at sanction and 58 at disbursal.Derived from: 313 logins → 103 sanctions → 45 fresh disbursals
- Concentration: 11 of 52 branches produce 50% of disbursal value (₹953L).Derived from: Branch disbursal amounts, current month
- 35 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Aug vs Jul 2026 · North · 52 branches
Zone summary
Status against thresholds · North
L→S→D
38% · 49.8% · 18.9%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 5.20% · Mgr 1.41% · Sup 2.72%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
14.25%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.16%
WROI weighted by sanction · threshold ≥2.25%
Yield
14.25%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
1.37
Fresh files / Active FOS · zone avg
Penal Collection
59.1%
21 branches below 70%
Collection Eff.
98.8%
Threshold ≥98.5%
Bounce Rate
13.51%
Total North · threshold <12%
Insurance
5.18%
Total North · threshold ≥5%
Zero Disb RMs
35 RMs
>3M vintage · 23 early-watch (1.5–3M)
Logins
0
▲ 216
Total Disbursement (₹L)
0
▲ 13.59
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
163 files · 52 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Aug vs Jul
Top movers
Disbursal ₹L, Aug vs Jul
- DELHI 6Delhi/NCRPrev10.90Cur101.83L→D15.00%▲ 90.93
- PRAYAGRAJUP/UKPrev26.63Cur80.49L→D24.00%▲ 53.86
- JAIPUR 6RajasthanPrev0.00Cur50.99L→D16.67%▲ 50.99
- BHILWARARajasthanPrev13.57Cur52.24L→D42.86%▲ 38.67
- AJMERRajasthanPrev9.02Cur40.98L→D25.00%▲ 31.96
Biggest declines
Disbursal ₹L, Aug vs Jul
- DELHI LAXMI NAGARDelhi/NCRPrev113.02Cur36.69L→D13.33%▼ 76.33
- LUCKNOW 2UP/UKPrev59.64Cur3.76L→D0.00%▼ 55.88
- FARIDABADDelhi/NCRPrev58.99Cur13.91L→D5.26%▼ 45.08
- KAUSHAMBIDelhi/NCRPrev96.00Cur52.58L→D27.78%▼ 43.42
- AGRAUP/UKPrev69.88Cur31.22L→D16.00%▼ 38.66
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
52 branches
| Branch | L→D % | L→S % | Branch OpEx % | Blended RoI % | Penal Coll % | Bounce % | Coll Eff % | Insurance % |
|---|---|---|---|---|---|---|---|---|
| DELHI ROHINIDelhi/NCR | 10.53 | 10.53 | 12.06 | 13.15 | 49.60 | 13.64 | 96.70 | 0.28 |
| KANPURUP/UK | 25.71 | 45.71 | 3.98 | 16.45 | 91.60 | 13.92 | 100.00 | 7.05 |
| NoidaDelhi/NCR | 13.64 | 27.27 | 6.85 | 12.40 | 49.80 | 16.23 | 98.49 | 4.79 |
| ALWARRajasthan | 36.00 | 52.00 | 3.51 | 15.38 | 91.20 | 12.84 | 100.00 | 4.55 |
| DWARKA MORDelhi/NCR | 6.45 | 41.94 | 5.00 | 12.39 | — | — | — | 3.86 |
| FARIDABADDelhi/NCR | 5.26 | 57.89 | 19.23 | 16.50 | 69.40 | 12.22 | 98.67 | 15.18 |
| JAIPUR 1Rajasthan | 19.35 | 45.16 | 5.72 | 13.39 | 57.50 | 11.38 | 99.64 | 4.97 |
| DELHI LAXMI NAGARDelhi/NCR | 13.33 | 53.33 | 6.57 | 13.40 | — | — | — | 5.86 |
| AGRAUP/UK | 16.00 | 56.00 | 8.14 | 19.56 | 33.70 | 19.32 | 95.79 | 5.33 |
| KAUSHAMBIDelhi/NCR | 27.78 | 33.33 | 5.42 | 12.60 | 59.40 | — | — | 4.53 |
| KOTARajasthan | 20.00 | 46.67 | 18.00 | 13.72 | 36.20 | 24.31 | 97.68 | 3.99 |
| GHAZIABAD 2Delhi/NCR | 9.68 | 29.03 | 9.49 | 13.95 | — | — | — | 3.87 |
| SIKARRajasthan | 35.71 | 42.86 | 3.88 | 14.37 | 142.10 | 12.50 | 101.99 | 5.44 |
| VARANASIUP/UK | 10.00 | 20.00 | 21.76 | 14.00 | 88.90 | 11.48 | 98.88 | 6.92 |
| LUCKNOWUP/UK | 26.32 | 36.84 | 3.22 | 13.88 | 88.40 | 9.09 | 100.02 | 5.95 |
| GHAZIABADDelhi/NCR | 29.63 | 44.44 | 4.44 | 13.21 | 48.90 | 12.87 | 98.67 | 5.16 |
| LONIDelhi/NCR | 11.11 | 33.33 | 10.87 | 16.50 | — | 0.00 | 100.00 | 6.90 |
| KHERLIRajasthan | 31.03 | 62.07 | 3.33 | 16.55 | 25.30 | 26.92 | 85.83 | 5.18 |
| BEAWARRajasthan | 0.00 | 20.00 | 0.00 | — | — | 0.00 | 100.00 | 0.00 |
| JAIPUR 2Rajasthan | 31.58 | 15.79 | 14.88 | 14.78 | 55.50 | 10.71 | 99.49 | 3.10 |
| AJMERRajasthan | 25.00 | 41.67 | 6.12 | 11.48 | 91.10 | 20.29 | 100.00 | 3.69 |
| BHILWARARajasthan | 42.86 | 42.86 | 4.48 | 13.59 | 32.30 | 16.25 | 97.31 | 5.85 |
| PRAYAGRAJUP/UK | 24.00 | 36.00 | 3.75 | 14.52 | 77.10 | 13.75 | 99.43 | 6.01 |
| GREATER NOIDADelhi/NCR | 44.44 | 44.44 | 4.29 | 13.63 | — | — | — | 5.20 |
| MODI NAGARDelhi/NCR | 50.00 | 75.00 | 2.50 | 15.59 | 94.70 | — | — | 5.27 |
| Jaipur 4Rajasthan | 0.00 | 28.57 | 80.89 | — | — | — | — | 0.00 |
| BARABANKIUP/UK | 25.00 | 40.00 | 2.20 | 15.04 | 0.00 | 20.00 | 100.00 | 7.22 |
| SAHIBABADDelhi/NCR | 25.00 | 50.00 | 4.16 | 15.75 | 98.60 | 17.65 | 100.00 | 4.55 |
| JAIPUR 3Rajasthan | 28.57 | 50.00 | 4.11 | 14.37 | 88.60 | 10.42 | 100.00 | 5.89 |
| MEERUTUP/UK | 36.36 | 72.73 | 12.42 | 21.25 | 54.90 | 34.21 | 93.76 | 4.72 |
| DADRIDelhi/NCR | 6.25 | 6.25 | 5.90 | 12.25 | 93.90 | 11.11 | 100.00 | 4.61 |
| MAYUR VIHARDelhi/NCR | 7.69 | 30.77 | 4.25 | 12.25 | — | — | — | 4.06 |
| JHALAWARRajasthan | 30.77 | 38.46 | 3.14 | 14.33 | 37.30 | 22.58 | 93.23 | 4.26 |
| JODHPUR CITYRajasthan | 26.67 | 40.00 | 3.29 | 13.86 | — | — | — | 4.07 |
| UDAIPURRajasthan | 0.00 | 33.33 | 59.06 | — | 49.60 | 13.46 | 99.93 | 0.00 |
| NAGAURRajasthan | 25.00 | 25.00 | 4.73 | 15.00 | 0.00 | 0.00 | 100.00 | 3.65 |
| PALIRajasthan | 9.09 | 18.18 | 8.96 | 13.00 | — | — | — | 3.90 |
| LUCKNOW 2UP/UK | 0.00 | 22.86 | 84.90 | — | — | — | — | 0.00 |
| BUNDIRajasthan | 27.27 | 45.45 | 5.41 | 14.38 | — | — | — | 7.99 |
| JODHPURRajasthan | 0.00 | 0.00 | 0.00 | — | 36.60 | 11.93 | 97.51 | 0.00 |
| DEHRADUNUP/UK | 5.26 | 47.37 | 18.17 | 13.50 | — | 0.00 | 100.00 | 3.26 |
| DELHI 6Delhi/NCR | 15.00 | 35.00 | 2.58 | 12.51 | — | — | — | 3.70 |
| JAIPUR 6Rajasthan | 16.67 | 50.00 | 5.88 | 13.46 | — | — | — | 4.48 |
| AGRA ROADRajasthan | 13.33 | 40.00 | 5.24 | 13.71 | — | — | — | 5.95 |
| MATHURAUP/UK | 25.00 | 37.50 | 3.02 | 21.08 | — | — | — | 7.66 |
| HARIDWARUP/UK | 11.11 | 11.11 | 14.26 | 15.50 | — | — | — | 1.53 |
| JEWARDelhi/NCR | 0.00 | 33.33 | 0.00 | — | — | — | — | — |
| ROHTAKDelhi/NCR | 0.00 | 15.38 | 0.00 | — | — | — | — | — |
| KARNALDelhi/NCR | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| SONIPATDelhi/NCR | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| ZIRAKPURDelhi/NCR | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| PANCHKULADelhi/NCR | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
S→D above 100% can indicate prior-month sanction pipeline.