- 26 fresh files across 0 active FOS — 0.00 files per FOS.Derived from: Fresh disbursal count / active FOS
- 8 non-performing RMs and 6 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 5 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₹17.46L / RM
RMs
27
Logins
108
Disb ₹L
471.50
6-12 m₹12.77L / RM
RMs
8
Logins
25
Disb ₹L
102.16
3-6 m₹8.03L / RM
RMs
10
Logins
28
Disb ₹L
80.34
<3 m₹3.75L / RM
RMs
31
Logins
61
Disb ₹L
116.17
Derived outliers (>1 SD from zone mean)
DELHI 6 16.87% · zone mean 6.24% · SD 4.90%
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
Jul against Jun · counts, logins, disbursal ₹L
| Vintage (months) | RMs | Logins | Logins / RM | Disb No | Disb ₹L | Disb ₹L / RM | Prior Disb ₹L |
|---|---|---|---|---|---|---|---|
| >12 | 27 | 108 | 4.00 | 42 | 471.497 | 17.463 | 273.921 |
| 6-12 | 8 | 25 | 3.13 | 6 | 102.155 | 12.769 | 29.886 |
| 3-6 | 10 | 28 | 2.80 | 7 | 80.337 | 8.034 | 55.575 |
| <3 | 31 | 61 | 1.97 | 12 | 116.172 | 3.747 | 39.823 |
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 |
|---|---|---|---|---|---|
| DELHI 6 | DRM | 16.87 | 3.69 | 7.76 | 10.90 |
| DELHI LAXMI NAGAR | DRM | 2.14 | 0.36 | 1.70 | 113.02 |
| DELHI ROHINI | DRM | 6.18 | 1.21 | 5.60 | 33.18 |
| DWARKA MOR | DRM | 4.32 | 0.52 | 3.76 | 77.21 |
| FARIDABAD | DRM | 3.94 | 0.68 | 3.45 | 58.99 |
| MAYUR VIHAR | DBM | 4.00 | 0.00 | 0.00 | 52.50 |