- Bounce rate 13.51% (+0.9pp MoM) against the 12% ceiling.Derived from: 460 bounces / 3,404 presentations
- Collection efficiency 98.48% vs 98.5% target.Derived from: ₹4,36,81,468.00L received on ₹4,43,54,402.00L due
- Insurance penetration 5.28% of fresh sanction value vs 5% threshold.Derived from: ₹94,41,344.00L insurance on ₹18,72,95,050.00L sanction
- Highest bounce branch: MEERUT at 31% (was 25%).Derived from: Branch bounce table, current month
Penal recovery 53.44% vs ≥70%
₹127.46L collected of ₹238.49L billed
Bounce 13.51% vs <12%
11 branches above 15%
Insurance 5.28% vs ≥5%
27 branches below threshold
Penal billed (₹L)
0
Penal collected (₹L)
0
Penal collection %
0%
Threshold ≥70%
Penal — billed vs collected
Jul · threshold ≥70% collection
| Branch | Sub-region | Billed ₹L | Collected ₹L | Collection % |
|---|---|---|---|---|
| AGRA | UP/UK | 14.020 | 3.120 | 22.3 |
| AJMER | Rajasthan | 10.930 | 3.900 | 35.7 |
| ALWAR | Rajasthan | 15.270 | 11.560 | 75.7 |
| BHILWARA | Rajasthan | 13.330 | 6.850 | 51.4 |
| DELHI ROHINI | Delhi/NCR | 5.720 | 1.050 | 18.4 |
| KAUSHAMBI | UP/UK | 15.340 | 7.570 | 49.3 |
| DWARKA_MOR | Delhi/NCR | 3.090 | 2.700 | 87.4 |
| FARIDABAD | Delhi/NCR | 2.160 | 1.120 | 51.9 |
| GHAZIABAD | UP/UK | 17.060 | 7.580 | 44.4 |
| JAIPUR 1 | Rajasthan | 20.400 | 13.280 | 65.1 |
| JAIPUR 2 | Rajasthan | 13.630 | 7.630 | 56.0 |
| JAIPUR 3 | Rajasthan | 12.770 | 10.260 | 80.3 |
| JHALAWAR | Rajasthan | 11.490 | 3.080 | 26.8 |
| JODHPUR | Rajasthan | 9.310 | 5.340 | 57.4 |
| KANPUR | UP/UK | 7.910 | 6.420 | 81.2 |
| KOTA | Rajasthan | 13.860 | 4.070 | 29.4 |
| LUCKNOW | UP/UK | 7.300 | 5.090 | 69.7 |
| MEERUT | UP/UK | 15.120 | 8.530 | 56.4 |
| NOIDA | UP/UK | 9.740 | 5.450 | 56.0 |
| PRAYAGRAJ | UP/UK | 5.620 | 4.160 | 74.0 |
| SIKAR | Rajasthan | 3.520 | 1.850 | 52.6 |
| UDAIPUR | Rajasthan | 1.090 | 0.500 | 45.9 |
| VARANASI | UP/UK | 3.530 | 3.280 | 92.9 |
| BARABANKI | UP/UK | 0.000 | 0.000 | 0.0 |
| DADRI | UP/UK | 1.040 | 1.000 | 96.2 |
| KHERLI | Rajasthan | 3.200 | 0.570 | 17.8 |
| MODI NAGAR | UP/UK | 0.510 | 0.500 | 98.0 |
| NAGAUR | Rajasthan | 0.510 | 0.000 | 0.0 |
| SAHIBABAD | UP/UK | 0.510 | 0.500 | 98.0 |
| GREATER_NOIDA | UP/UK | 0.510 | 0.500 | 98.0 |
Collection efficiency
Received / due · threshold ≥98.5%
| Branch | Sub-region | Prior % | Jul % |
|---|---|---|---|
| DELHI ROHINI | Delhi/NCR | 99.19 | 97.14 |
| DWARKA_MOR | Delhi/NCR | 100.00 | 100.00 |
| FARIDABAD | Delhi/NCR | 96.53 | 98.61 |
| AJMER | Rajasthan | 98.73 | 97.25 |
| ALWAR | Rajasthan | 102.57 | 99.26 |
| BHILWARA | Rajasthan | 98.27 | 95.27 |
| JAIPUR 1 | Rajasthan | 100.22 | 100.00 |
| JAIPUR 2 | Rajasthan | 99.53 | 98.52 |
| JAIPUR 3 | Rajasthan | 99.92 | 99.96 |
| JHALAWAR | Rajasthan | 94.03 | 93.17 |
| JODHPUR | Rajasthan | 98.10 | 96.90 |
| KOTA | Rajasthan | 96.51 | 95.83 |
| SIKAR | Rajasthan | 97.44 | 100.00 |
| UDAIPUR | Rajasthan | 100.00 | 99.94 |
| GHAZIABAD | UP/UK | 95.42 | 98.75 |
| NOIDA | UP/UK | 98.53 | 99.11 |
| AGRA | UP/UK | 99.01 | 95.66 |
| KANPUR | UP/UK | 100.00 | 100.00 |
| LUCKNOW | UP/UK | 99.41 | 99.53 |
| MEERUT | UP/UK | 96.27 | 96.42 |
| PRAYAGRAJ | UP/UK | 100.00 | 97.75 |
| VARANASI | UP/UK | 100.00 | 100.00 |
| KHERLI | Rajasthan | 89.77 | 85.45 |
| NAGAUR | Rajasthan | 100.00 | 100.00 |
| DADRI | UP/UK | 99.05 | 100.00 |
| MODI_NAGAR | UP/UK | 100.00 | 100.00 |
| SAHIBABAD | UP/UK | 100.00 | 100.00 |
| BARABANKI | UP/UK | 100.00 | 100.00 |
| MAYUR_VIHAR | Delhi/NCR | 0.00 | 100.00 |
| BEAWAR | Rajasthan | 0.00 | 100.00 |
| GREATER_NOIDA | UP/UK | 0.00 | 100.00 |
| LONI | UP/UK | 0.00 | 100.00 |
| DEHRADUN | UP/UK | 0.00 | 100.00 |
AUM — opening, closing & attrition
₹Cr by sub-region
AUM was not reported in the Jul vs Jun 2026 pack.