- 84 fresh files across 0 active FOS — 0.00 files per FOS.Derived from: Fresh disbursal count / active FOS
- 4 non-performing RMs and 3 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 16 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₹10.30L / RM
RMs
15
Logins
73
Disb ₹L
154.51
6-12 m₹6.48L / RM
RMs
6
Logins
26
Disb ₹L
38.91
3-6 m₹3.89L / RM
RMs
10
Logins
22
Disb ₹L
38.94
<3 m₹5.15L / RM
RMs
20
Logins
54
Disb ₹L
103.03
Derived outliers (>1 SD from zone mean)
LONI 99.12% · VARANASI 60.07% · zone mean 14.88% · SD 24.06%
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
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 | 73 | 4.87 | 21 | 154.513 | 10.301 | 140.024 |
| 6-12 | 6 | 26 | 4.33 | 5 | 38.907 | 6.485 | 88.267 |
| 3-6 | 10 | 22 | 2.20 | 6 | 38.944 | 3.894 | 73.406 |
| <3 | 20 | 54 | 2.70 | 11 | 103.034 | 5.152 | 34.173 |
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 | 4.48 | 1.12 | 3.44 | 69.88 |
| BARABANKI | DBM | 3.76 | 0.00 | 0.00 | 39.96 |
| DADRI | DBM | 4.07 | 0.00 | 0.00 | 26.12 |
| DEHRADUN | DRM | 17.82 | 2.44 | 0.60 | 16.47 |
| GHAZIABAD | DRM | 5.34 | 0.57 | 3.31 | 70.61 |
| GHAZIABAD 2 | DRM | 4.70 | 0.64 | 2.48 | 62.95 |
| GREATER NOIDA | DBM | 3.25 | 0.00 | 0.00 | 83.85 |
| KANPUR | DRM | 6.44 | 1.31 | 2.92 | 59.73 |
| KAUSHAMBI | DRM | 4.48 | 0.42 | 2.08 | 96.00 |
| LONI | DBM | 99.12 | 0.00 | 0.00 | 0.56 |
| LUCKNOW | DRM | 3.24 | 0.76 | 0.99 | 103.49 |
| LUCKNOW 2 | DRM | 4.66 | 1.31 | 2.73 | 59.64 |
| MEERUT | DRM | 32.21 | 11.53 | 34.75 | 6.79 |
| MODI NAGAR | DBM | 4.62 | 0.00 | 0.00 | 22.89 |
| NOIDA | DRM | 3.57 | 0.51 | 2.80 | 78.48 |
| PRAYAGRAJ | DRM | 10.89 | 2.94 | 7.57 | 26.63 |
| SAHIBABAD | DBM | 2.85 | 0.00 | 0.00 | 44.15 |
| VARANASI | DRM | 60.07 | 17.71 | 56.90 | 4.42 |
| Mathura | DBM | 7.21 | 0.00 | 0.00 | 15.94 |