- 56 fresh files across 0 active FOS — 0.00 files per FOS.Derived from: Fresh disbursal count / active FOS
- 13 non-performing RMs and 5 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₹13.30L / RM
RMs
15
Logins
44
Disb ₹L
199.52
6-12 m₹3.82L / RM
RMs
15
Logins
56
Disb ₹L
57.24
3-6 m₹4.38L / RM
RMs
17
Logins
24
Disb ₹L
74.49
<3 m₹5.44L / RM
RMs
38
Logins
116
Disb ₹L
206.79
Derived outliers (>1 SD from zone mean)
JAIPUR 4 58.71% · KOTA 32.31% · zone mean 10.98% · SD 13.90%
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
Jul against Jun · counts, logins, disbursal ₹L
| Vintage (months) | RMs | Logins | Logins / RM | Disb No | Disb ₹L | Disb ₹L / RM | Prior Disb ₹L |
|---|---|---|---|---|---|---|---|
| >12 | 15 | 44 | 2.93 | 18 | 199.516 | 13.301 | 131.637 |
| 6-12 | 15 | 56 | 3.73 | 6 | 57.244 | 3.816 | 78.906 |
| 3-6 | 17 | 24 | 1.41 | 8 | 74.489 | 4.382 | 115.955 |
| <3 | 38 | 116 | 3.05 | 24 | 206.785 | 5.442 | 78.498 |
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 | 1.97 | 0.00 | 0.00 | 65.84 |
| AJMER | DRM | 20.86 | 12.87 | 16.70 | 9.02 |
| ALWAR | DRM | 4.07 | 2.19 | 2.09 | 90.14 |
| BEAWAR | DBM | 4.19 | 0.00 | 0.00 | 25.23 |
| BHILWARA | DRM | 20.62 | 8.56 | 18.02 | 13.57 |
| BUNDI | DBM | 24.00 | 0.00 | 0.00 | 5.13 |
| JAIPUR 1 | DRM | 4.90 | 2.69 | 3.65 | 69.02 |
| JAIPUR 2 | DRM | 6.79 | 5.63 | 7.25 | 32.98 |
| JAIPUR 3 | DRM | 3.24 | 2.38 | 2.88 | 78.17 |
| JAIPUR 4 | DRM | 58.71 | 51.47 | 27.15 | 3.61 |
| JHALAWAR | DBM | 8.30 | 0.00 | 2.05 | 21.39 |
| JODHPUR | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| JODHPUR CITY | DBM | 2.71 | 0.00 | 0.00 | 51.84 |
| KHERLI | DBM | 6.11 | 0.00 | 0.00 | 34.37 |
| KOTA | DRM | 32.31 | 15.75 | 23.39 | 7.37 |
| NAGAUR | DBM | 3.57 | 0.00 | 0.00 | 35.59 |
| PALI | DBM | 5.91 | 0.00 | 0.00 | 17.00 |
| SIKAR | DRM | 4.62 | 3.89 | 2.69 | 50.83 |
| UDAIPUR | DRM | 6.63 | 7.62 | 7.34 | 27.48 |
| Jaipur 6 | DRM | 0.00 | 0.00 | 0.00 | 0.00 |