- 75 fresh files across 55 active FOS — 1.36 files per FOS.Derived from: Fresh disbursal count / active FOS
- 6 non-performing RMs and 6 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 15 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₹15.02L / RM
RMs
10
Logins
61
Disb ₹L
150.20
6-12 m₹11.33L / RM
RMs
11
Logins
52
Disb ₹L
124.60
3-6 m₹10.53L / RM
RMs
10
Logins
51
Disb ₹L
105.34
<3 m₹8.58L / RM
RMs
24
Logins
110
Disb ₹L
205.94
Derived outliers (>1 SD from zone mean)
JAIPUR 4 80.89% · UDAIPUR 59.06% · zone mean 12.03% · SD 20.05%
Branch salary %
0%
Threshold ≤3.5% · prior 6.28%
Managerial salary %
0%
Threshold ≤0.75% · prior 2.33%
Support salary %
0%
Threshold ≤0.75% · prior 3.33%
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 | 10 | 61 | 6.10 | 15 | 150.200 | 15.020 | 199.516 |
| 6-12 | 11 | 52 | 4.73 | 16 | 124.597 | 11.327 | 57.244 |
| 3-6 | 10 | 51 | 5.10 | 12 | 105.338 | 10.534 | 74.489 |
| <3 | 24 | 110 | 4.58 | 20 | 205.936 | 8.581 | 206.785 |
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 |
|---|---|---|---|---|---|
| AGRA ROAD | DBM | 5.24 | 0.00 | 0.00 | 32.23 |
| AJMER | DRM | 6.12 | 1.69 | 3.10 | 39.58 |
| ALWAR | DRM | 3.51 | 1.32 | 1.43 | 112.28 |
| BEAWAR | DBM | 0.00 | 0.00 | 0.00 | 0.00 |
| BHILWARA | DRM | 4.48 | 1.30 | 4.08 | 51.42 |
| BUNDI | DBM | 5.41 | 0.00 | 0.00 | 22.32 |
| JAIPUR 1 | DRM | 5.72 | 1.77 | 3.57 | 62.72 |
| JAIPUR 2 | DRM | 14.88 | 8.21 | 13.89 | 13.54 |
| JAIPUR 3 | DRM | 4.11 | 2.16 | 3.38 | 51.54 |
| JAIPUR 4 | DRM | 80.89 | 61.08 | 38.41 | 1.82 |
| JHALAWAR | DBM | 3.14 | 0.00 | 1.23 | 35.70 |
| JODHPUR | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| JODHPUR CITY | DBM | 3.29 | 0.00 | 0.00 | 53.21 |
| KHERLI | DBM | 3.33 | 0.00 | 0.00 | 61.53 |
| KOTA | DRM | 18.00 | 4.49 | 8.49 | 14.87 |
| NAGAUR | DBM | 4.73 | 0.00 | 0.00 | 25.40 |
| PALI | DBM | 8.96 | 0.00 | 0.00 | 11.77 |
| SIKAR | DRM | 3.88 | 2.26 | 1.66 | 65.57 |
| UDAIPUR | DRM | 59.06 | 21.02 | 54.35 | 3.17 |
| Jaipur 6 | DRM | 5.88 | 0.68 | 1.05 | 50.99 |