- Login→Sanction at 42.2% (+0.6pp MoM) against the 55% floor.Derived from: 132 sanctions / 313 logins vs 101/243 prior
- Rajasthan loses the most files in the funnel — 181 at sanction and 57 at disbursal.Derived from: 313 logins → 132 sanctions → 75 fresh disbursals
- Concentration: 6 of 20 branches produce 50% of disbursal value (₹415L).Derived from: Branch disbursal amounts, current month
- 6 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Aug vs Jul 2026 · Rajasthan · 20 branches
Zone summary
Status against thresholds · Rajasthan
L→S→D
42.2% · 56.8% · 24%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 5.69% · Mgr 2.66% · Sup 3.06%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
14.28%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.31%
WROI weighted by sanction · threshold ≥2.25%
Yield
14.28%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
1.57
Fresh files / Active FOS · zone avg
Penal Collection
58.3%
11 branches below 70%
Collection Eff.
99.0%
Threshold ≥98.5%
Bounce Rate
13.32%
Total Rajasthan · threshold <12%
Insurance
4.93%
Total Rajasthan · threshold ≥5%
Zero Disb RMs
6 RMs
>3M vintage · 6 early-watch (1.5–3M)
Logins
0
▲ 70
Total Disbursement (₹L)
0
▲ 92.88
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
75 files · 20 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Aug vs Jul
Top movers
Disbursal ₹L, Aug vs Jul
- JAIPUR 6RajasthanPrev0.00Cur50.99L→D16.67%▲ 50.99
- BHILWARARajasthanPrev13.57Cur52.24L→D42.86%▲ 38.67
- AJMERRajasthanPrev9.02Cur40.98L→D25.00%▲ 31.96
- KHERLIRajasthanPrev34.37Cur61.53L→D31.03%▲ 27.16
- ALWARRajasthanPrev90.14Cur112.28L→D36.00%▲ 22.14
Biggest declines
Disbursal ₹L, Aug vs Jul
- AGRA ROADRajasthanPrev65.84Cur32.23L→D13.33%▼ 33.61
- BEAWARRajasthanPrev25.23Cur0.00L→D0.00%▼ 25.23
- UDAIPURRajasthanPrev27.48Cur3.17L→D0.00%▼ 24.31
- JAIPUR 3RajasthanPrev78.17Cur57.49L→D28.57%▼ 20.68
- NAGAURRajasthanPrev35.59Cur25.40L→D25.00%▼ 10.19
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
20 branches
| Branch | L→D % | L→S % | Branch OpEx % | Blended RoI % | Penal Coll % | Bounce % | Coll Eff % | Insurance % |
|---|---|---|---|---|---|---|---|---|
| ALWARRajasthan | 36.00 | 52.00 | 3.51 | 15.38 | 91.20 | 12.84 | 100.00 | 4.55 |
| JAIPUR 1Rajasthan | 19.35 | 45.16 | 5.72 | 13.39 | 57.50 | 11.38 | 99.64 | 4.97 |
| KOTARajasthan | 20.00 | 46.67 | 18.00 | 13.72 | 36.20 | 24.31 | 97.68 | 3.99 |
| SIKARRajasthan | 35.71 | 42.86 | 3.88 | 14.37 | 142.10 | 12.50 | 101.99 | 5.44 |
| 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 |
| Jaipur 4Rajasthan | 0.00 | 28.57 | 80.89 | — | — | — | — | 0.00 |
| JAIPUR 3Rajasthan | 28.57 | 50.00 | 4.11 | 14.37 | 88.60 | 10.42 | 100.00 | 5.89 |
| 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 |
| 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 |
| JAIPUR 6Rajasthan | 16.67 | 50.00 | 5.88 | 13.46 | — | — | — | 4.48 |
| AGRA ROADRajasthan | 13.33 | 40.00 | 5.24 | 13.71 | — | — | — | 5.95 |
S→D above 100% can indicate prior-month sanction pipeline.