- Login→Sanction at 39.1% (-5.8pp MoM) against the 55% floor.Derived from: 92 sanctions / 235 logins vs 140/312 prior
- UP/UK loses the most files in the funnel — 143 at sanction and 49 at disbursal.Derived from: 235 logins → 92 sanctions → 43 fresh disbursals
- Concentration: 3 of 11 branches produce 50% of disbursal value (₹291L).Derived from: Branch disbursal amounts, current month
- 11 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Aug vs Jul 2026 · UP/UK · 11 branches
Zone summary
Status against thresholds · UP/UK
L→S→D
39.1% · 46.7% · 18.3%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 5.28% · Mgr 0.84% · Sup 2.46%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
15.61%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.41%
WROI weighted by sanction · threshold ≥2.25%
Yield
15.61%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
1.42
Fresh files / Active FOS · zone avg
Penal Collection
62.9%
3 branches below 70%
Collection Eff.
98.3%
Threshold ≥98.5%
Bounce Rate
15.45%
Total UP/UK · threshold <12%
Insurance
6.13%
Total UP/UK · threshold ≥5%
Zero Disb RMs
11 RMs
>3M vintage · 8 early-watch (1.5–3M)
Logins
0
▼ 77
Total Disbursement (₹L)
0
▼ 433.09
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
43 files · 11 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Aug vs Jul
Top movers
Disbursal ₹L, Aug vs Jul
- PRAYAGRAJUP/UKPrev26.63Cur80.49L→D24.00%▲ 53.86
- KANPURUP/UKPrev59.73Cur87.08L→D25.71%▲ 27.35
- LUCKNOWUP/UKPrev103.49Cur123.65L→D26.32%▲ 20.16
- BARABANKIUP/UKPrev39.96Cur58.04L→D25.00%▲ 18.08
- HARIDWARUP/UKPrev0.00Cur12.19L→D11.11%▲ 12.19
Biggest declines
Disbursal ₹L, Aug vs Jul
- LUCKNOW 2UP/UKPrev59.64Cur3.76L→D0.00%▼ 55.88
- AGRAUP/UKPrev69.88Cur31.22L→D16.00%▼ 38.66
- DEHRADUNUP/UKPrev16.47Cur16.16L→D5.26%▼ 0.31
- MATHURAUP/UKPrev15.94Cur15.66L→D25.00%▼ 0.28
- VARANASIUP/UKPrev4.42Cur10.35L→D10.00%▲ 5.93
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
11 branches
| Branch | L→D % | L→S % | Branch OpEx % | Blended RoI % | Penal Coll % | Bounce % | Coll Eff % | Insurance % |
|---|---|---|---|---|---|---|---|---|
| KANPURUP/UK | 25.71 | 45.71 | 3.98 | 16.45 | 91.60 | 13.92 | 100.00 | 7.05 |
| AGRAUP/UK | 16.00 | 56.00 | 8.14 | 19.56 | 33.70 | 19.32 | 95.79 | 5.33 |
| 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 |
| PRAYAGRAJUP/UK | 24.00 | 36.00 | 3.75 | 14.52 | 77.10 | 13.75 | 99.43 | 6.01 |
| BARABANKIUP/UK | 25.00 | 40.00 | 2.20 | 15.04 | 0.00 | 20.00 | 100.00 | 7.22 |
| MEERUTUP/UK | 36.36 | 72.73 | 12.42 | 21.25 | 54.90 | 34.21 | 93.76 | 4.72 |
| LUCKNOW 2UP/UK | 0.00 | 22.86 | 84.90 | — | — | — | — | 0.00 |
| DEHRADUNUP/UK | 5.26 | 47.37 | 18.17 | 13.50 | — | 0.00 | 100.00 | 3.26 |
| MATHURAUP/UK | 25.00 | 37.50 | 3.02 | 21.08 | — | — | — | 7.66 |
| HARIDWARUP/UK | 11.11 | 11.11 | 14.26 | 15.50 | — | — | — | 1.53 |
S→D above 100% can indicate prior-month sanction pipeline.