- 45 fresh files across 46 active FOS — 0.98 files per FOS.Derived from: Fresh disbursal count / active FOS
- 18 non-performing RMs and 9 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 13 branches breach the 3.5% branch salary-opex ceiling.Derived from: Branch salary % of disbursement
RM vintage output
Head-count and disbursal per RM in each vintage bucket
>12 m₹11.12L / RM
RMs
25
Logins
121
Disb ₹L
277.96
6-12 m₹17.44L / RM
RMs
4
Logins
12
Disb ₹L
69.74
3-6 m₹7.95L / RM
RMs
7
Logins
40
Disb ₹L
55.62
<3 m₹7.92L / RM
RMs
23
Logins
89
Disb ₹L
182.10
Derived outliers (>1 SD from zone mean)
FARIDABAD 19.23% · DELHI ROHINI 12.06% · LONI 10.87% · GHAZIABAD 2 9.49% · zone mean 4.71% · SD 4.77%
Branch salary %
0%
Threshold ≤3.5% · prior 5.70%
Managerial salary %
0%
Threshold ≤0.75% · prior 0.30%
Support salary %
0%
Threshold ≤0.75% · prior 3.66%
RM / SM productivity by vintage
Aug against Jul · counts, logins, disbursal ₹L
| Vintage (months) | RMs | Logins | Logins / RM | Disb No | Disb ₹L | Disb ₹L / RM | Prior Disb ₹L |
|---|---|---|---|---|---|---|---|
| >12 | 25 | 121 | 4.84 | 23 | 277.963 | 11.119 | 471.497 |
| 6-12 | 4 | 12 | 3.00 | 6 | 69.740 | 17.435 | 102.155 |
| 3-6 | 7 | 40 | 5.71 | 5 | 55.618 | 7.945 | 80.337 |
| <3 | 23 | 89 | 3.87 | 9 | 182.098 | 7.917 | 116.172 |
OpEx — Salary % of Disbursement
Bubble size = total disbursement (₹L). X = branch salary %, Y = managerial + support salary %.
| Branch | Office type | Branch sal % | Mgr sal % | Support sal % | Total disb ₹L |
|---|---|---|---|---|---|
| DADRI | DBM | 5.90 | 0.00 | 0.00 | 19.13 |
| DELHI 6 | DRM | 2.58 | 0.17 | 0.67 | 101.83 |
| DELHI LAXMI NAGAR | DRM | 6.57 | 0.48 | 4.78 | 36.69 |
| DELHI ROHINI | DRM | 12.06 | 1.27 | 12.13 | 13.98 |
| DWARKA MOR | DRM | 5.00 | 0.27 | 4.94 | 66.03 |
| FARIDABAD | DRM | 19.23 | 1.27 | 13.14 | 13.91 |
| GHAZIABAD | DRM | 4.44 | 0.21 | 2.46 | 83.56 |
| GHAZIABAD 2 | DRM | 9.49 | 0.57 | 4.49 | 31.24 |
| GREATER NOIDA | DBM | 4.29 | 0.00 | 0.00 | 100.44 |
| KAUSHAMBI | DRM | 5.42 | 0.34 | 3.44 | 52.58 |
| LONI | DBM | 10.87 | 0.00 | 0.00 | 12.07 |
| MAYUR VIHAR | DBM | 4.25 | 0.00 | 0.00 | 33.89 |
| MODI NAGAR | DBM | 2.50 | 0.00 | 0.00 | 44.71 |
| NOIDA | DRM | 6.85 | 0.36 | 3.94 | 48.59 |
| SAHIBABAD | DBM | 4.16 | 0.00 | 0.00 | 31.05 |
| Hisar | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Rohtak | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Zirakpur | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| JEWAR | DBM | 0.00 | 0.00 | 0.00 | 0.00 |
| Karnal | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| PANCHKULA | DBM | 0.00 | 0.00 | 0.00 | 0.00 |
| Sonipat | DRM | 0.00 | 0.00 | 0.00 | 0.00 |