- Bounce rate 15.45% (+0.9pp MoM) against the 12% ceiling.Derived from: 117 bounces / 731 presentations
- Collection efficiency 98.32% vs 98.5% target.Derived from: ₹96,63,803.00L received on ₹98,29,418.00L due
- Insurance penetration 6.13% of fresh sanction value vs 5% threshold.Derived from: ₹24,21,125.00L insurance on ₹3,94,95,715.00L sanction
- Highest bounce branch: MEERUT at 34% (was 31%).Derived from: Branch bounce table, current month
Penal recovery 62.93% vs ≥70%
₹35.93L collected of ₹57.10L billed
Bounce 15.45% vs <12%
3 branches above 15%
Insurance 6.13% vs ≥5%
4 branches below threshold
Penal billed (₹L)
0
Penal collected (₹L)
0
Penal collection %
0%
Threshold ≥70%
Penal — billed vs collected
Aug · threshold ≥70% collection
| Branch | Sub-region | Billed ₹L | Collected ₹L | Collection % |
|---|---|---|---|---|
| AGRA | UP/UK | 16.637 | 5.599 | 33.7 |
| KANPUR | UP/UK | 7.936 | 7.266 | 91.6 |
| LUCKNOW | UP/UK | 5.756 | 5.089 | 88.4 |
| MEERUT | UP/UK | 14.313 | 7.859 | 54.9 |
| PRAYAGRAJ | UP/UK | 8.145 | 6.282 | 77.1 |
| VARANASI | UP/UK | 4.312 | 3.835 | 88.9 |
| BARABANKI | UP/UK | 0.000 | 0.000 | 0.0 |
Collection efficiency
Received / due · threshold ≥98.5%
| Branch | Sub-region | Prior % | Aug % |
|---|---|---|---|
| AGRA | UP/UK | 95.66 | 95.79 |
| KANPUR | UP/UK | 100.00 | 100.00 |
| LUCKNOW | UP/UK | 99.53 | 100.02 |
| MEERUT | UP/UK | 96.42 | 93.76 |
| PRAYAGRAJ | UP/UK | 97.75 | 99.43 |
| VARANASI | UP/UK | 100.00 | 98.88 |
| BARABANKI | UP/UK | 100.00 | 100.00 |
| LUCKNOW2 | UP/UK | 0.00 | 100.00 |
| DEHRADUN | UP/UK | 100.00 | 100.00 |
AUM — opening, closing & attrition
₹Cr by sub-region
| Region | Opening | Disbursal | Attrition | Closing | Growth % |
|---|---|---|---|---|---|
| UP/UK | 71.01 | 4.39 | 0.57 | 74.83 | 5.38% |