- Login→Sanction at 44.9% (+11.8pp MoM) against the 55% floor.Derived from: 140 sanctions / 312 logins vs 96/290 prior
- UP/UK loses the most files in the funnel — 172 at sanction and 56 at disbursal.Derived from: 312 logins → 140 sanctions → 84 fresh disbursals
- Concentration: 6 of 19 branches produce 50% of disbursal value (₹502L).Derived from: Branch disbursal amounts, current month
- 4 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Jul vs Jun 2026 · UP/UK · 19 branches
Zone summary
Status against thresholds · UP/UK
L→S→D
44.9% · 60% · 26.9%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 5.28% · Mgr 0.84% · Sup 2.46%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
15.22%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.84%
WROI weighted by sanction · threshold ≥2.25%
Yield
15.22%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
0
Fresh files / Active FOS · zone avg
Penal Collection
54.7%
7 branches below 70%
Collection Eff.
98.6%
Threshold ≥98.5%
Bounce Rate
15.45%
Total UP/UK · threshold <12%
Insurance
5.86%
Total UP/UK · threshold ≥5%
Zero Disb RMs
4 RMs
>3M vintage · 3 early-watch (1.5–3M)
Logins
0
▲ 22
Total Disbursement (₹L)
0
▲ 214.65
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
84 files · 19 active branches
Zone funnel
Logins → sanctions → fresh disbursals, Jul vs Jun
Top movers
Disbursal ₹L, Jul vs Jun
- GREATER NOIDAUP/UKPrev1.72Cur83.85L→D18.20%▲ 82.13
- NoidaUP/UKPrev36.37Cur78.48L→D35.30%▲ 42.11
- KAUSHAMBIUP/UKPrev54.28Cur96.00L→D32.00%▲ 41.72
- LUCKNOW 2UP/UKPrev29.91Cur59.64L→D20.80%▲ 29.73
- GHAZIABAD 2UP/UKPrev34.11Cur62.95L→D31.80%▲ 28.84
Biggest declines
Disbursal ₹L, Jul vs Jun
- PRAYAGRAJUP/UKPrev61.57Cur26.63L→D13.30%▼ 34.94
- KANPURUP/UKPrev89.20Cur59.73L→D33.30%▼ 29.47
- VARANASIUP/UKPrev23.11Cur4.42L→D0.00%▼ 18.69
- MEERUTUP/UKPrev23.77Cur6.79L→D7.10%▼ 16.98
- SAHIBABADUP/UKPrev55.43Cur44.15L→D18.20%▼ 11.28
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
19 branches
| Branch | L→D % | L→S % | Branch OpEx % | Blended RoI % | Penal Coll % | Bounce % | Coll Eff % | Insurance % |
|---|---|---|---|---|---|---|---|---|
| KANPURUP/UK | 33.30 | 42.40 | 6.44 | 16.85 | 81.20 | 13.20 | 100.00 | 5.64 |
| NoidaUP/UK | 35.30 | 52.90 | 3.57 | — | 56.00 | 14.60 | 99.11 | — |
| AGRAUP/UK | 29.60 | 37.00 | 4.48 | 17.27 | 22.30 | 18.70 | 95.66 | 7.13 |
| KAUSHAMBIUP/UK | 32.00 | 36.00 | 4.48 | — | 49.30 | — | — | — |
| GHAZIABAD 2UP/UK | 31.80 | 59.10 | 4.70 | — | — | — | — | — |
| VARANASIUP/UK | 0.00 | 22.20 | 60.07 | 13.65 | 92.90 | 9.70 | 100.00 | — |
| LUCKNOWUP/UK | 33.30 | 55.60 | 3.24 | 13.78 | 69.70 | 11.20 | 99.53 | 5.98 |
| GHAZIABADUP/UK | 38.10 | 47.60 | 5.34 | — | 44.40 | 15.20 | 98.75 | — |
| LONIUP/UK | 0.00 | 0.00 | 99.12 | — | — | — | 100.00 | — |
| PRAYAGRAJUP/UK | 13.30 | 40.00 | 10.89 | 14.88 | 74.00 | 15.40 | 97.75 | 6.54 |
| GREATER NOIDAUP/UK | 18.20 | 59.10 | 3.25 | — | — | — | — | — |
| MODI NAGARUP/UK | 50.00 | 150.00 | 4.62 | — | 98.00 | — | — | — |
| BARABANKIUP/UK | 20.00 | 33.30 | 3.76 | 14.64 | 0.00 | 25.00 | 100.00 | 5.19 |
| SAHIBABADUP/UK | 18.20 | 45.50 | 2.85 | — | 98.00 | 13.30 | 100.00 | — |
| MEERUTUP/UK | 7.10 | 42.90 | 32.21 | 14.99 | 56.40 | 30.70 | 96.42 | 2.84 |
| DADRIUP/UK | 42.90 | 14.30 | 4.07 | — | 96.20 | 8.30 | 100.00 | — |
| LUCKNOW 2UP/UK | 20.80 | 50.00 | 4.66 | 13.33 | — | — | — | 5.06 |
| DEHRADUNUP/UK | 18.20 | 36.40 | 17.82 | 13.15 | — | — | 100.00 | 8.11 |
| MATHURAUP/UK | 37.50 | 0.00 | 7.21 | 21.29 | — | — | — | 6.23 |
S→D above 100% can indicate prior-month sanction pipeline.