- Bounce rate 13.51% (+0.9pp MoM) against the 12% ceiling.Derived from: 494 bounces / 3,534 presentations
- Collection efficiency 98.78% vs 98.5% target.Derived from: ₹4,53,08,211.00L received on ₹4,58,67,446.00L due
- Insurance penetration 5.18% of fresh sanction value vs 5% threshold.Derived from: ₹83,70,483.00L insurance on ₹16,15,25,855.00L sanction
- Highest bounce branch: MEERUT at 34% (was 31%).Derived from: Branch bounce table, current month
Penal recovery 59.13% vs ≥70%
₹149.15L collected of ₹252.21L billed
Bounce 13.51% vs <12%
12 branches above 15%
Insurance 5.18% vs ≥5%
27 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 |
| AJMER | Rajasthan | 9.902 | 9.021 | 91.1 |
| ALWAR | Rajasthan | 13.438 | 12.261 | 91.2 |
| BHILWARA | Rajasthan | 11.408 | 3.689 | 32.3 |
| DELHI ROHINI | Delhi/NCR | 7.253 | 3.601 | 49.6 |
| KAUSHAMBI | Delhi/NCR | 17.208 | 10.222 | 59.4 |
| DWARKA_MOR | Delhi/NCR | 2.097 | 2.000 | 95.4 |
| FARIDABAD | Delhi/NCR | 3.262 | 2.263 | 69.4 |
| GHAZIABAD | Delhi/NCR | 15.203 | 7.434 | 48.9 |
| JAIPUR 1 | Rajasthan | 30.134 | 17.340 | 57.5 |
| JAIPUR 2 | Rajasthan | 12.720 | 7.065 | 55.5 |
| JAIPUR 3 | Rajasthan | 13.008 | 11.530 | 88.6 |
| JAIPUR4 | Rajasthan | 0.000 | 0.000 | 0.0 |
| JHALAWAR | Rajasthan | 11.251 | 4.201 | 37.3 |
| JODHPUR | Rajasthan | 8.974 | 3.281 | 36.6 |
| KANPUR | UP/UK | 7.936 | 7.266 | 91.6 |
| KOTA | Rajasthan | 17.359 | 6.291 | 36.2 |
| LUCKNOW | UP/UK | 5.756 | 5.089 | 88.4 |
| MEERUT | UP/UK | 14.313 | 7.859 | 54.9 |
| NOIDA | Delhi/NCR | 9.923 | 4.946 | 49.8 |
| PRAYAGRAJ | UP/UK | 8.145 | 6.282 | 77.1 |
| SIKAR | Rajasthan | 2.035 | 2.891 | 142.1 |
| UDAIPUR | Rajasthan | 1.658 | 0.823 | 49.6 |
| VARANASI | UP/UK | 4.312 | 3.835 | 88.9 |
| BARABANKI | UP/UK | 0.000 | 0.000 | 0.0 |
| DADRI | Delhi/NCR | 1.679 | 1.577 | 93.9 |
| GHAZIABAD2 | Delhi/NCR | 0.000 | 0.000 | 0.0 |
| KHERLI | Rajasthan | 4.356 | 1.103 | 25.3 |
| MODI NAGAR | Delhi/NCR | 0.714 | 0.676 | 94.7 |
| NAGAUR | Rajasthan | 0.000 | 0.000 | 0.0 |
| SAHIBABAD | Delhi/NCR | 0.507 | 0.500 | 98.6 |
| GREATER_NOIDA | Delhi/NCR | 0.000 | 0.000 | 0.0 |
| JODHPUR_CITY | Rajasthan | 1.024 | 0.500 | 48.8 |
Collection efficiency
Received / due · threshold ≥98.5%
| Branch | Sub-region | Prior % | Aug % |
|---|---|---|---|
| DELHI ROHINI | Delhi/NCR | 97.14 | 96.70 |
| DWARKA_MOR | Delhi/NCR | 100.00 | 100.00 |
| FARIDABAD | Delhi/NCR | 98.61 | 98.67 |
| AJMER | Rajasthan | 97.25 | 100.00 |
| ALWAR | Rajasthan | 99.26 | 100.00 |
| BHILWARA | Rajasthan | 95.27 | 97.31 |
| JAIPUR 1 | Rajasthan | 100.00 | 99.64 |
| JAIPUR 2 | Rajasthan | 98.52 | 99.49 |
| JAIPUR 3 | Rajasthan | 99.96 | 100.00 |
| JAIPUR4 | Rajasthan | 0.00 | 100.00 |
| JHALAWAR | Rajasthan | 93.17 | 93.23 |
| JODHPUR | Rajasthan | 96.90 | 97.51 |
| KOTA | Rajasthan | 95.83 | 97.68 |
| SIKAR | Rajasthan | 100.00 | 101.99 |
| UDAIPUR | Rajasthan | 99.94 | 99.93 |
| GHAZIABAD | Delhi/NCR | 98.75 | 98.67 |
| NOIDA | Delhi/NCR | 99.11 | 98.49 |
| 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 |
| KHERLI | Rajasthan | 85.45 | 85.83 |
| NAGAUR | Rajasthan | 100.00 | 100.00 |
| DADRI | Delhi/NCR | 100.00 | 100.00 |
| GHAZIABAD2 | Delhi/NCR | 0.00 | 100.00 |
| MODI_NAGAR | Delhi/NCR | 100.00 | 100.00 |
| SAHIBABAD | Delhi/NCR | 100.00 | 100.00 |
| BARABANKI | UP/UK | 100.00 | 100.00 |
| MAYUR_VIHAR | Delhi/NCR | 100.00 | 100.00 |
| BEAWAR | Rajasthan | 100.00 | 100.00 |
| GREATER_NOIDA | Delhi/NCR | 100.00 | 100.00 |
| LONI | Delhi/NCR | 100.00 | 100.00 |
| LUCKNOW2 | UP/UK | 0.00 | 100.00 |
| DEHRADUN | UP/UK | 100.00 | 100.00 |
| DELHI6 | Delhi/NCR | 0.00 | 100.00 |
| AGRA_ROAD | Rajasthan | 0.00 | 100.00 |
| JODHPUR_CITY | Rajasthan | 0.00 | 100.00 |
AUM — opening, closing & attrition
₹Cr by sub-region
| Region | Opening | Disbursal | Attrition | Closing | Growth % |
|---|---|---|---|---|---|
| North | 395.51 | 18.55 | 3.82 | 410.24 | 3.72% |
| Delhi/NCR | 140.46 | 7.07 | 1.37 | 146.16 | 4.06% |
| Rajasthan | 184.04 | 7.10 | 1.89 | 189.25 | 2.83% |
| UP/UK | 71.01 | 4.39 | 0.57 | 74.83 | 5.38% |