- 163 fresh files across 141 active FOS — 1.16 files per FOS.Derived from: Fresh disbursal count / active FOS
- 35 non-performing RMs and 23 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 36 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₹12.45L / RM
RMs
45
Logins
243
Disb ₹L
560.26
6-12 m₹13.65L / RM
RMs
22
Logins
111
Disb ₹L
300.35
3-6 m₹8.62L / RM
RMs
24
Logins
133
Disb ₹L
206.94
<3 m₹7.45L / RM
RMs
60
Logins
253
Disb ₹L
447.10
Derived outliers (>1 SD from zone mean)
LUCKNOW 2 84.90% · JAIPUR 4 80.89% · UDAIPUR 59.06% · zone mean 9.81% · SD 17.00%
Branch salary %
0%
Threshold ≤3.5% · prior 6.09%
Managerial salary %
0%
Threshold ≤0.75% · prior 1.23%
Support salary %
0%
Threshold ≤0.75% · prior 2.98%
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 | 45 | 243 | 5.40 | 54 | 560.261 | 12.450 | 825.525 |
| 6-12 | 22 | 111 | 5.05 | 34 | 300.350 | 13.652 | 198.306 |
| 3-6 | 24 | 133 | 5.54 | 20 | 206.941 | 8.623 | 193.770 |
| <3 | 60 | 253 | 4.22 | 33 | 447.100 | 7.452 | 425.991 |
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 |
| 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 |
| BARABANKI | DBM | 2.20 | 0.00 | 0.00 | 58.04 |
| 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 |
| DADRI | DBM | 5.90 | 0.00 | 0.00 | 19.13 |
| DEHRADUN | DRM | 18.17 | 0.92 | 0.57 | 16.16 |
| 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 |
| 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 |
| KANPUR | DRM | 3.98 | 0.62 | 1.94 | 87.08 |
| KAUSHAMBI | DRM | 5.42 | 0.34 | 3.44 | 52.58 |
| KHERLI | DBM | 3.33 | 0.00 | 0.00 | 61.53 |
| KOTA | DRM | 18.00 | 4.49 | 8.49 | 14.87 |
| LONI | DBM | 10.87 | 0.00 | 0.00 | 12.07 |
| LUCKNOW | DRM | 3.22 | 0.44 | 1.04 | 123.65 |
| LUCKNOW 2 | DRM | 84.90 | 14.46 | 46.31 | 3.76 |
| MAYUR VIHAR | DBM | 4.25 | 0.00 | 0.00 | 33.89 |
| MEERUT | DRM | 12.42 | 3.22 | 12.67 | 16.87 |
| MODI NAGAR | DBM | 2.50 | 0.00 | 0.00 | 44.71 |
| NAGAUR | DBM | 4.73 | 0.00 | 0.00 | 25.40 |
| NOIDA | DRM | 6.85 | 0.36 | 3.94 | 48.59 |
| PALI | DBM | 8.96 | 0.00 | 0.00 | 11.77 |
| PRAYAGRAJ | DRM | 3.75 | 0.68 | 2.38 | 80.49 |
| SAHIBABAD | DBM | 4.16 | 0.00 | 0.00 | 31.05 |
| SIKAR | DRM | 3.88 | 2.26 | 1.66 | 65.57 |
| UDAIPUR | DRM | 59.06 | 21.02 | 54.35 | 3.17 |
| VARANASI | DRM | 21.76 | 5.26 | 23.34 | 10.35 |
| Hisar | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Jaipur 6 | DRM | 5.88 | 0.68 | 1.05 | 50.99 |
| Rohtak | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Zirakpur | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Haridwar | DRM | 14.26 | 1.22 | 7.28 | 12.19 |
| Mathura | DBM | 3.02 | 0.00 | 0.00 | 15.66 |
| 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 |