- Login→Sanction at 32.9% (-13.8pp MoM) against the 55% floor.Derived from: 103 sanctions / 313 logins vs 42/90 prior
- Delhi/NCR loses the most files in the funnel — 210 at sanction and 58 at disbursal.Derived from: 313 logins → 103 sanctions → 45 fresh disbursals
- Concentration: 4 of 21 branches produce 50% of disbursal value (₹357L).Derived from: Branch disbursal amounts, current month
- 18 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Where the funnel leaks
Files lost before sanction and after sanction, by sub-region
Delhi/NCRWorst stage: Sanction
Logins
313
Lost @ sanction
210
Lost @ disbursal
58
L→S %
0%
Threshold ≥55% · prior 46.70%
S→D %
0%
Threshold ≥65% · prior 61.90%
L→D %
0%
Threshold ≥35% · prior 28.90%
Disbursed (₹L)
0
prior 345.80
Login → Sanction → Disbursal
Counts for Aug against Jul
| Branch | Logins | Sanctions | Disb No | Disb ₹L | L→S % | S→D % | L→D % |
|---|---|---|---|---|---|---|---|
| DWARKA MOR | 31 | 13 | 5 | 66.03 | 41.94 | 15.38 | 6.45 |
| GHAZIABAD 2 | 31 | 9 | 6 | 31.24 | 29.03 | 33.33 | 9.68 |
| GHAZIABAD | 27 | 12 | 13 | 89.04 | 44.44 | 66.67 | 29.63 |
| Noida | 22 | 6 | 5 | 48.59 | 27.27 | 50.00 | 13.64 |
| DELHI 6 | 20 | 7 | 4 | 101.83 | 35.00 | 42.86 | 15.00 |
| DELHI ROHINI | 19 | 2 | 3 | 18.40 | 10.53 | 100.00 | 10.53 |
| FARIDABAD | 19 | 11 | 3 | 13.91 | 57.89 | 9.09 | 5.26 |
| KAUSHAMBI | 18 | 6 | 11 | 52.58 | 33.33 | 83.33 | 27.78 |
| GREATER NOIDA | 18 | 8 | 8 | 100.44 | 44.44 | 100.00 | 44.44 |
| DADRI | 16 | 1 | 3 | 19.13 | 6.25 | 100.00 | 6.25 |
| DELHI LAXMI NAGAR | 15 | 8 | 6 | 36.69 | 53.33 | 25.00 | 13.33 |
| MAYUR VIHAR | 13 | 4 | 3 | 33.89 | 30.77 | 25.00 | 7.69 |
| ROHTAK | 13 | 2 | 0 | 0.00 | 15.38 | 0.00 | 0.00 |
| SAHIBABAD | 12 | 6 | 5 | 31.05 | 50.00 | 50.00 | 25.00 |
| LONI | 9 | 3 | 2 | 12.07 | 33.33 | 33.33 | 11.11 |
| PANCHKULA | 8 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 |
| JEWAR | 6 | 2 | 0 | 0.00 | 33.33 | 0.00 | 0.00 |
| SONIPAT | 5 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 |
| MODI NAGAR | 4 | 3 | 3 | 44.71 | 75.00 | 66.67 | 50.00 |
| KARNAL | 4 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 |
| ZIRAKPUR | 3 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 |
ATS & FOS Productivity
Avg Ticket Size (₹L, fresh disb) · Productivity = Fresh Disb Count / Active FOS
| Branch | ATS Overall | Active FOS | Fresh Files | Productivity |
|---|---|---|---|---|
| GREATER NOIDA | 10.72 | 4 | 11 | 2.75 |
| DELHI ROHINI | 2.21 | 1 | 2 | 2.00 |
| MODI NAGAR | 9.50 | 1 | 2 | 2.00 |
| GHAZIABAD | 10.04 | 5 | 8 | 1.60 |
| SAHIBABAD | 9.63 | 2 | 3 | 1.50 |
| DADRI | 14.15 | 1 | 1 | 1.00 |
| DELHI 6 | 32.13 | 3 | 3 | 1.00 |
| GHAZIABAD 2 | 9.15 | 4 | 3 | 0.75 |
| NOIDA | 15.40 | 4 | 3 | 0.75 |
| DELHI LAXMI NAGAR | 14.34 | 4 | 2 | 0.50 |
| DWARKA MOR | 25.61 | 4 | 2 | 0.50 |
| MAYUR VIHAR | 26.33 | 2 | 1 | 0.50 |
| KAUSHAMBI | 12.01 | 7 | 2 | 0.29 |
| FARIDABAD | 11.44 | 4 | 1 | 0.25 |
| LONI | 10.19 | 0 | 1 | — |