- 166 fresh files across 0 active FOS — 0.00 files per FOS.Derived from: Fresh disbursal count / active FOS
- 25 non-performing RMs and 14 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₹14.48L / RM
RMs
57
Logins
225
Disb ₹L
825.53
6-12 m₹6.84L / RM
RMs
29
Logins
107
Disb ₹L
198.31
3-6 m₹5.24L / RM
RMs
37
Logins
74
Disb ₹L
193.77
<3 m₹4.79L / RM
RMs
89
Logins
231
Disb ₹L
425.99
Derived outliers (>1 SD from zone mean)
LONI 99.12% · VARANASI 60.07% · JAIPUR 4 58.71% · KOTA 32.31% · MEERUT 32.21% · zone mean 11.99% · SD 18.49%
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
Jul against Jun · counts, logins, disbursal ₹L
| Vintage (months) | RMs | Logins | Logins / RM | Disb No | Disb ₹L | Disb ₹L / RM | Prior Disb ₹L |
|---|---|---|---|---|---|---|---|
| >12 | 57 | 225 | 3.95 | 81 | 825.525 | 14.483 | 545.582 |
| 6-12 | 29 | 107 | 3.69 | 17 | 198.306 | 6.838 | 197.059 |
| 3-6 | 37 | 74 | 2.00 | 21 | 193.770 | 5.237 | 244.936 |
| <3 | 89 | 231 | 2.60 | 47 | 425.991 | 4.786 | 152.494 |
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 |
| 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 |
| BARABANKI | DBM | 3.76 | 0.00 | 0.00 | 39.96 |
| 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 |
| DADRI | DBM | 4.07 | 0.00 | 0.00 | 26.12 |
| DEHRADUN | DRM | 17.82 | 2.44 | 0.60 | 16.47 |
| 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 |
| 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 |
| 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 |
| KANPUR | DRM | 6.44 | 1.31 | 2.92 | 59.73 |
| KAUSHAMBI | DRM | 4.48 | 0.42 | 2.08 | 96.00 |
| KHERLI | DBM | 6.11 | 0.00 | 0.00 | 34.37 |
| KOTA | DRM | 32.31 | 15.75 | 23.39 | 7.37 |
| 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 |
| MAYUR VIHAR | DBM | 4.00 | 0.00 | 0.00 | 52.50 |
| MEERUT | DRM | 32.21 | 11.53 | 34.75 | 6.79 |
| MODI NAGAR | DBM | 4.62 | 0.00 | 0.00 | 22.89 |
| NAGAUR | DBM | 3.57 | 0.00 | 0.00 | 35.59 |
| NOIDA | DRM | 3.57 | 0.51 | 2.80 | 78.48 |
| PALI | DBM | 5.91 | 0.00 | 0.00 | 17.00 |
| PRAYAGRAJ | DRM | 10.89 | 2.94 | 7.57 | 26.63 |
| SAHIBABAD | DBM | 2.85 | 0.00 | 0.00 | 44.15 |
| SIKAR | DRM | 4.62 | 3.89 | 2.69 | 50.83 |
| UDAIPUR | DRM | 6.63 | 7.62 | 7.34 | 27.48 |
| VARANASI | DRM | 60.07 | 17.71 | 56.90 | 4.42 |
| Jaipur 6 | DRM | 0.00 | 0.00 | 0.00 | 0.00 |
| Mathura | DBM | 7.21 | 0.00 | 0.00 | 15.94 |