- Login→Sanction at 32.9% (-13.8pp MoM) against the 55% floor.Derived from: 103 sanctions / 313 logins vs 42/90 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: 4 of 21 branches produce 50% of disbursal value (₹357L).Derived from: Branch disbursal amounts, current month
- 18 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Aug vs Jul 2026 · Delhi/NCR · 21 branches
Zone summary
Status against thresholds · Delhi/NCR
L→S→D
32.9% · 43.7% · 14.4%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 4.07% · Mgr 0.58% · Sup 2.77%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
13.29%
WROI weighted by business · threshold ≥13.75%
Admin & PF
1.83%
WROI weighted by sanction · threshold ≥2.25%
Yield
13.29%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
1.1
Fresh files / Active FOS · zone avg
Penal Collection
57.4%
7 branches below 70%
Collection Eff.
98.7%
Threshold ≥98.5%
Bounce Rate
7.74%
Total Delhi/NCR · threshold <12%
Insurance
4.81%
Total Delhi/NCR · threshold ≥5%
Zero Disb RMs
18 RMs
>3M vintage · 9 early-watch (1.5–3M)
Logins
0
▲ 223
Total Disbursement (₹L)
0
▲ 353.8
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
45 files · 21 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Aug vs Jul
Top movers
Disbursal ₹L, Aug vs Jul
- GREATER NOIDADelhi/NCRPrev0.00Cur100.44L→D44.44%▲ 100.44
- DELHI 6Delhi/NCRPrev10.90Cur101.83L→D15.00%▲ 90.93
- GHAZIABADDelhi/NCRPrev0.00Cur89.04L→D29.63%▲ 89.04
- KAUSHAMBIDelhi/NCRPrev0.00Cur52.58L→D27.78%▲ 52.58
- NoidaDelhi/NCRPrev0.00Cur48.59L→D13.64%▲ 48.59
Biggest declines
Disbursal ₹L, Aug vs Jul
- DELHI LAXMI NAGARDelhi/NCRPrev113.02Cur36.69L→D13.33%▼ 76.33
- FARIDABADDelhi/NCRPrev58.99Cur13.91L→D5.26%▼ 45.08
- MAYUR VIHARDelhi/NCRPrev52.50Cur33.89L→D7.69%▼ 18.61
- DELHI ROHINIDelhi/NCRPrev33.18Cur18.40L→D10.53%▼ 14.78
- DWARKA MORDelhi/NCRPrev77.21Cur66.03L→D6.45%▼ 11.18
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
21 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 |
| NoidaDelhi/NCR | 13.64 | 27.27 | 6.85 | 12.40 | 49.80 | 16.23 | 98.49 | 4.79 |
| 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 |
| DELHI LAXMI NAGARDelhi/NCR | 13.33 | 53.33 | 6.57 | 13.40 | — | — | — | 5.86 |
| KAUSHAMBIDelhi/NCR | 27.78 | 33.33 | 5.42 | 12.60 | 59.40 | — | — | 4.53 |
| GHAZIABAD 2Delhi/NCR | 9.68 | 29.03 | 9.49 | 13.95 | — | — | — | 3.87 |
| 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 |
| 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 |
| SAHIBABADDelhi/NCR | 25.00 | 50.00 | 4.16 | 15.75 | 98.60 | 17.65 | 100.00 | 4.55 |
| 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 |
| DELHI 6Delhi/NCR | 15.00 | 35.00 | 2.58 | 12.51 | — | — | — | 3.70 |
| 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.