- Login→Sanction at 46.7% (+10.5pp MoM) against the 55% floor.Derived from: 42 sanctions / 90 logins vs 34/94 prior
- Delhi/NCR loses the most files in the funnel — 48 at sanction and 16 at disbursal.Derived from: 90 logins → 42 sanctions → 26 fresh disbursals
- Concentration: 2 of 6 branches produce 50% of disbursal value (₹190L).Derived from: Branch disbursal amounts, current month
- 8 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Jul vs Jun 2026 · Delhi/NCR · 6 branches
Zone summary
Status against thresholds · Delhi/NCR
L→S→D
46.7% · 61.9% · 28.9%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 4.07% · Mgr 0.58% · Sup 2.77%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
13.15%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.13%
WROI weighted by sanction · threshold ≥2.25%
Yield
13.15%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
0
Fresh files / Active FOS · zone avg
Penal Collection
44.4%
2 branches below 70%
Collection Eff.
98.6%
Threshold ≥98.5%
Bounce Rate
7.74%
Total Delhi/NCR · threshold <12%
Insurance
4.35%
Total Delhi/NCR · threshold ≥5%
Zero Disb RMs
8 RMs
>3M vintage · 6 early-watch (1.5–3M)
Logins
0
▼ 4
Total Disbursement (₹L)
0
▲ 149.4
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
26 files · 6 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Jul vs Jun
Top movers
Disbursal ₹L, Jul vs Jun
- DELHI LAXMI NAGARDelhi/NCRPrev5.92Cur113.02L→D64.30%▲ 107.1
- MAYUR VIHARDelhi/NCRPrev32.72Cur52.50L→D36.40%▲ 19.78
- DELHI ROHINIDelhi/NCRPrev20.96Cur33.18L→D11.10%▲ 12.22
- DELHI 6Delhi/NCRPrev0.00Cur10.90L→D13.30%▲ 10.9
- FARIDABADDelhi/NCRPrev55.68Cur58.99L→D27.30%▲ 3.31
Biggest declines
Disbursal ₹L, Jul vs Jun
- DWARKA MORDelhi/NCRPrev81.12Cur77.21L→D28.60%▼ 3.91
- FARIDABADDelhi/NCRPrev55.68Cur58.99L→D27.30%▲ 3.31
- DELHI 6Delhi/NCRPrev0.00Cur10.90L→D13.30%▲ 10.9
- DELHI ROHINIDelhi/NCRPrev20.96Cur33.18L→D11.10%▲ 12.22
- MAYUR VIHARDelhi/NCRPrev32.72Cur52.50L→D36.40%▲ 19.78
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
6 branches
| Branch | L→D % | L→S % | Branch OpEx % | Blended RoI % | Penal Coll % | Bounce % | Coll Eff % | Insurance % |
|---|---|---|---|---|---|---|---|---|
| DELHI ROHINIDelhi/NCR | 11.10 | 11.10 | 6.18 | 14.99 | 18.40 | 11.00 | 97.14 | 4.58 |
| DWARKA MORDelhi/NCR | 28.60 | 52.40 | 4.32 | 13.64 | — | — | — | 4.71 |
| FARIDABADDelhi/NCR | 27.30 | 45.50 | 3.94 | 13.14 | 51.90 | 6.80 | 98.61 | 4.46 |
| DELHI LAXMI NAGARDelhi/NCR | 64.30 | 78.60 | 2.14 | 12.79 | — | — | — | 4.62 |
| MAYUR VIHARDelhi/NCR | 36.40 | 54.50 | 4.00 | 12.17 | — | — | — | 4.14 |
| DELHI 6Delhi/NCR | 13.30 | 46.70 | 16.87 | 13.84 | — | — | — | 3.35 |
S→D above 100% can indicate prior-month sanction pipeline.