- Login→Sanction at 43.9% (+8.1pp MoM) against the 55% floor.Derived from: 283 sanctions / 645 logins vs 214/598 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: 12 of 45 branches produce 50% of disbursal value (₹996L).Derived from: Branch disbursal amounts, current month
- 25 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Zone health
Jul vs Jun 2026 · North · 45 branches
Zone summary
Status against thresholds · North
L→S→D
43.9% · 58.7% · 25.7%
Thresholds ≥55% · ≥65% · ≥35%
OTD / OpEx
Br 5.20% · Mgr 1.41% · Sup 2.72%
Thresholds ≤3.5% · ≤0.75% · ≤0.75%
Blended ROI
13.81%
WROI weighted by business · threshold ≥13.75%
Admin & PF
2.39%
WROI weighted by sanction · threshold ≥2.25%
Yield
13.81%
Fresh-disb weighted yield · threshold ≥13.75%
FOS Productivity
0
Fresh files / Active FOS · zone avg
Penal Collection
53.4%
20 branches below 70%
Collection Eff.
98.5%
Threshold ≥98.5%
Bounce Rate
13.51%
Total North · threshold <12%
Insurance
5.28%
Total North · threshold ≥5%
Zero Disb RMs
25 RMs
>3M vintage · 14 early-watch (1.5–3M)
Logins
0
▲ 47
Total Disbursement (₹L)
0
▲ 494.71
L→D %
0%
Threshold ≥35%
Fresh Disbursement (₹L)
0
166 files · 45 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
- GREATER NOIDAUP/UKPrev1.72Cur83.85L→D18.20%▲ 82.13
- AGRA ROADRajasthanPrev23.03Cur65.84L→D36.40%▲ 42.81
- NoidaUP/UKPrev36.37Cur78.48L→D35.30%▲ 42.11
- KAUSHAMBIUP/UKPrev54.28Cur96.00L→D32.00%▲ 41.72
Biggest declines
Disbursal ₹L, Jul vs Jun
- PRAYAGRAJUP/UKPrev61.57Cur26.63L→D13.30%▼ 34.94
- JAIPUR 2RajasthanPrev63.19Cur32.98L→D50.00%▼ 30.21
- KANPURUP/UKPrev89.20Cur59.73L→D33.30%▼ 29.47
- VARANASIUP/UKPrev23.11Cur4.42L→D0.00%▼ 18.69
- NAGAURRajasthanPrev53.92Cur35.59L→D50.00%▼ 18.33
Branch Scorecard
Green = within threshold, red = breach, grey = no data. Click a branch to drill down.
45 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 |
| 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 | 12.55 | 56.00 | 14.60 | 99.11 | 4.40 |
| ALWARRajasthan | 21.20 | 54.50 | 4.07 | 14.48 | 75.70 | 14.70 | 99.26 | 4.17 |
| 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 |
| JAIPUR 1Rajasthan | 38.50 | 46.20 | 4.90 | 13.81 | 65.10 | 9.20 | 100.00 | 4.38 |
| DELHI LAXMI NAGARDelhi/NCR | 64.30 | 78.60 | 2.14 | 12.79 | — | — | — | 4.62 |
| 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 | 13.18 | 49.30 | — | — | 4.54 |
| KOTARajasthan | 0.00 | 13.30 | 32.31 | 13.13 | 29.40 | 18.80 | 95.83 | — |
| GHAZIABAD 2UP/UK | 31.80 | 59.10 | 4.70 | 14.50 | — | — | — | 5.45 |
| SIKARRajasthan | 30.80 | 38.50 | 4.62 | 13.19 | 52.60 | 18.40 | 100.00 | 5.15 |
| 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 | 13.27 | 44.40 | 15.20 | 98.75 | 4.96 |
| LONIUP/UK | 0.00 | 0.00 | 99.12 | 13.75 | — | — | 100.00 | — |
| KHERLIRajasthan | 20.00 | 60.00 | 6.11 | 13.95 | 17.80 | 23.80 | 85.45 | 3.68 |
| BEAWARRajasthan | 14.30 | 14.30 | 4.19 | 12.43 | — | — | 100.00 | 6.49 |
| JAIPUR 2Rajasthan | 50.00 | 50.00 | 6.79 | 15.26 | 56.00 | 12.00 | 98.52 | 5.74 |
| AJMERRajasthan | 20.00 | 30.00 | 20.86 | 13.07 | 35.70 | 16.20 | 97.25 | 9.09 |
| BHILWARARajasthan | 8.30 | 58.30 | 20.62 | 12.76 | 51.40 | 18.00 | 95.27 | 3.90 |
| 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 | 11.86 | — | — | — | 3.67 |
| MODI NAGARUP/UK | 50.00 | 150.00 | 4.62 | 11.23 | 98.00 | — | — | 2.88 |
| Jaipur 4Rajasthan | 0.00 | 28.60 | 58.71 | 14.00 | — | — | — | — |
| 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 | 13.10 | 98.00 | 13.30 | 100.00 | 4.63 |
| JAIPUR 3Rajasthan | 40.00 | 46.70 | 3.24 | 13.88 | 80.30 | 10.60 | 99.96 | 6.85 |
| 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 | 16.52 | 96.20 | 8.30 | 100.00 | 4.56 |
| MAYUR VIHARDelhi/NCR | 36.40 | 54.50 | 4.00 | 12.17 | — | — | — | 4.14 |
| JHALAWARRajasthan | 30.80 | 53.80 | 8.30 | 14.42 | 26.80 | 22.00 | 93.17 | 6.37 |
| JODHPUR CITYRajasthan | 22.20 | 44.40 | 2.71 | 12.58 | — | — | — | 3.62 |
| UDAIPURRajasthan | 28.60 | 14.30 | 6.63 | 13.67 | 45.90 | 6.10 | 99.94 | 4.07 |
| NAGAURRajasthan | 50.00 | 37.50 | 3.57 | 14.96 | 0.00 | 0.00 | 100.00 | 7.54 |
| PALIRajasthan | 11.10 | 44.40 | 5.91 | 15.00 | — | — | — | 4.97 |
| LUCKNOW 2UP/UK | 20.80 | 50.00 | 4.66 | 13.33 | — | — | — | 5.06 |
| BUNDIRajasthan | 27.30 | 45.50 | 24.00 | 15.55 | — | — | — | 10.24 |
| JODHPURRajasthan | 0.00 | 0.00 | 0.00 | — | 57.40 | 13.70 | 96.90 | — |
| DEHRADUNUP/UK | 18.20 | 36.40 | 17.82 | 13.15 | — | — | 100.00 | 8.11 |
| DELHI 6Delhi/NCR | 13.30 | 46.70 | 16.87 | 13.84 | — | — | — | 3.35 |
| JAIPUR 6Rajasthan | 0.00 | 20.00 | 0.00 | — | — | — | — | — |
| AGRA ROADRajasthan | 36.40 | 27.30 | 1.97 | 12.91 | — | — | — | 5.99 |
| MATHURAUP/UK | 37.50 | 0.00 | 7.21 | 21.29 | — | — | — | 6.23 |
S→D above 100% can indicate prior-month sanction pipeline.