- Login→Sanction at 39.1% (-5.8pp MoM) against the 55% floor.Derived from: 92 sanctions / 235 logins vs 140/312 prior
- UP/UK loses the most files in the funnel — 143 at sanction and 49 at disbursal.Derived from: 235 logins → 92 sanctions → 43 fresh disbursals
- Concentration: 3 of 11 branches produce 50% of disbursal value (₹291L).Derived from: Branch disbursal amounts, current month
- 11 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
UP/UKWorst stage: Sanction
Logins
235
Lost @ sanction
143
Lost @ disbursal
49
L→S %
0%
Threshold ≥55% · prior 44.90%
S→D %
0%
Threshold ≥65% · prior 60.00%
L→D %
0%
Threshold ≥35% · prior 26.90%
Disbursed (₹L)
0
prior 888.56
Login → Sanction → Disbursal
Counts for Aug against Jul
| Branch | Logins | Sanctions | Disb No | Disb ₹L | L→S % | S→D % | L→D % |
|---|---|---|---|---|---|---|---|
| LUCKNOW | 38 | 14 | 15 | 123.65 | 36.84 | 71.43 | 26.32 |
| KANPUR | 35 | 16 | 15 | 87.08 | 45.71 | 56.25 | 25.71 |
| LUCKNOW 2 | 35 | 8 | 1 | 3.76 | 22.86 | 0.00 | 0.00 |
| AGRA | 25 | 14 | 8 | 31.22 | 56.00 | 28.57 | 16.00 |
| PRAYAGRAJ | 25 | 9 | 11 | 80.49 | 36.00 | 66.67 | 24.00 |
| BARABANKI | 20 | 8 | 9 | 58.04 | 40.00 | 62.50 | 25.00 |
| DEHRADUN | 19 | 9 | 3 | 16.16 | 47.37 | 11.11 | 5.26 |
| MEERUT | 11 | 8 | 5 | 16.87 | 72.73 | 50.00 | 36.36 |
| VARANASI | 10 | 2 | 5 | 10.35 | 20.00 | 50.00 | 10.00 |
| HARIDWAR | 9 | 1 | 1 | 12.19 | 11.11 | 100.00 | 11.11 |
| MATHURA | 8 | 3 | 2 | 15.66 | 37.50 | 66.67 | 25.00 |
ATS & FOS Productivity
Avg Ticket Size (₹L, fresh disb) · Productivity = Fresh Disb Count / Active FOS
| Branch | ATS Overall | Active FOS | Fresh Files | Productivity |
|---|---|---|---|---|
| MATHURA | 5.93 | 1 | 3 | 3.00 |
| BARABANKI | 10.07 | 2 | 5 | 2.50 |
| LUCKNOW | 11.55 | 5 | 10 | 2.00 |
| KANPUR | 8.34 | 6 | 9 | 1.50 |
| PRAYAGRAJ | 11.72 | 4 | 6 | 1.50 |
| AGRA | 7.46 | 3 | 3 | 1.00 |
| MEERUT | 4.03 | 4 | 4 | 1.00 |
| Haridwar | 12.19 | 1 | 1 | 1.00 |
| Varanasi | 6.31 | 2 | 1 | 0.50 |
| DEHRADUN | 8.96 | 6 | 1 | 0.17 |
| LUCKNOW 2 | — | 6 | 0 | — |