- 43 fresh files across 40 active FOS — 1.08 files per FOS.Derived from: Fresh disbursal count / active FOS
- 11 non-performing RMs and 8 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 8 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₹13.21L / RM
RMs
10
Logins
61
Disb ₹L
132.10
6-12 m₹15.14L / RM
RMs
7
Logins
47
Disb ₹L
106.01
3-6 m₹6.57L / RM
RMs
7
Logins
42
Disb ₹L
45.99
<3 m₹4.54L / RM
RMs
13
Logins
54
Disb ₹L
59.07
Derived outliers (>1 SD from zone mean)
LUCKNOW 2 84.90% · zone mean 15.98% · SD 22.72%
Branch salary %
0%
Threshold ≤3.5% · prior 6.05%
Managerial salary %
0%
Threshold ≤0.75% · prior 0.67%
Support salary %
0%
Threshold ≤0.75% · prior 2.52%
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 | 16 | 132.099 | 13.210 | 154.513 |
| 6-12 | 7 | 47 | 6.71 | 12 | 106.013 | 15.145 | 38.907 |
| 3-6 | 7 | 42 | 6.00 | 3 | 45.985 | 6.569 | 38.944 |
| <3 | 13 | 54 | 4.15 | 4 | 59.066 | 4.544 | 103.034 |
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 | DRM | 8.14 | 1.74 | 6.95 | 31.22 |
| BARABANKI | DBM | 2.20 | 0.00 | 0.00 | 58.04 |
| DEHRADUN | DRM | 18.17 | 0.92 | 0.57 | 16.16 |
| KANPUR | DRM | 3.98 | 0.62 | 1.94 | 87.08 |
| LUCKNOW | DRM | 3.22 | 0.44 | 1.04 | 123.65 |
| LUCKNOW 2 | DRM | 84.90 | 14.46 | 46.31 | 3.76 |
| MEERUT | DRM | 12.42 | 3.22 | 12.67 | 16.87 |
| PRAYAGRAJ | DRM | 3.75 | 0.68 | 2.38 | 80.49 |
| VARANASI | DRM | 21.76 | 5.26 | 23.34 | 10.35 |
| Haridwar | DRM | 14.26 | 1.22 | 7.28 | 12.19 |
| Mathura | DBM | 3.02 | 0.00 | 0.00 | 15.66 |