- Login→Sanction at 38.0% (-5.9pp MoM) against the 55% floor.Derived from: 327 sanctions / 861 logins vs 283/645 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: 11 of 52 branches produce 50% of disbursal value (₹953L).Derived from: Branch disbursal amounts, current month
- 35 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
RajasthanWorst stage: Sanction
Logins
313
Lost @ sanction
181
Lost @ disbursal
57
UP/UKWorst stage: Sanction
Logins
235
Lost @ sanction
143
Lost @ disbursal
49
L→S %
0%
Threshold ≥55% · prior 43.90%
S→D %
0%
Threshold ≥65% · prior 58.70%
L→D %
0%
Threshold ≥35% · prior 25.70%
Disbursed (₹L)
0
prior 1,872.94
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 |
| DWARKA MOR | 31 | 13 | 5 | 66.03 | 41.94 | 15.38 | 6.45 |
| JAIPUR 1 | 31 | 14 | 10 | 65.40 | 45.16 | 42.86 | 19.35 |
| GHAZIABAD 2 | 31 | 9 | 6 | 31.24 | 29.03 | 33.33 | 9.68 |
| KHERLI | 29 | 18 | 11 | 61.53 | 62.07 | 50.00 | 31.03 |
| JAIPUR 3 | 28 | 14 | 10 | 57.49 | 50.00 | 57.14 | 28.57 |
| GHAZIABAD | 27 | 12 | 13 | 89.04 | 44.44 | 66.67 | 29.63 |
| ALWAR | 25 | 13 | 13 | 112.28 | 52.00 | 69.23 | 36.00 |
| AGRA | 25 | 14 | 8 | 31.22 | 56.00 | 28.57 | 16.00 |
| PRAYAGRAJ | 25 | 9 | 11 | 80.49 | 36.00 | 66.67 | 24.00 |
| JAIPUR 6 | 24 | 12 | 4 | 50.99 | 50.00 | 33.33 | 16.67 |
| Noida | 22 | 6 | 5 | 48.59 | 27.27 | 50.00 | 13.64 |
| BARABANKI | 20 | 8 | 9 | 58.04 | 40.00 | 62.50 | 25.00 |
| 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 |
| JAIPUR 2 | 19 | 3 | 9 | 24.49 | 15.79 | 200.00 | 31.58 |
| DEHRADUN | 19 | 9 | 3 | 16.16 | 47.37 | 11.11 | 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 |
| KOTA | 15 | 7 | 5 | 14.87 | 46.67 | 42.86 | 20.00 |
| JODHPUR CITY | 15 | 6 | 12 | 53.21 | 40.00 | 66.67 | 26.67 |
| AGRA ROAD | 15 | 6 | 2 | 32.23 | 40.00 | 33.33 | 13.33 |
| SIKAR | 14 | 6 | 9 | 65.57 | 42.86 | 83.33 | 35.71 |
| BHILWARA | 14 | 6 | 10 | 52.24 | 42.86 | 100.00 | 42.86 |
| MAYUR VIHAR | 13 | 4 | 3 | 33.89 | 30.77 | 25.00 | 7.69 |
| JHALAWAR | 13 | 5 | 7 | 35.70 | 38.46 | 80.00 | 30.77 |
| ROHTAK | 13 | 2 | 0 | 0.00 | 15.38 | 0.00 | 0.00 |
| AJMER | 12 | 5 | 5 | 40.98 | 41.67 | 60.00 | 25.00 |
| SAHIBABAD | 12 | 6 | 5 | 31.05 | 50.00 | 50.00 | 25.00 |
| UDAIPUR | 12 | 4 | 2 | 3.17 | 33.33 | 0.00 | 0.00 |
| MEERUT | 11 | 8 | 5 | 16.87 | 72.73 | 50.00 | 36.36 |
| PALI | 11 | 2 | 2 | 11.77 | 18.18 | 50.00 | 9.09 |
| BUNDI | 11 | 5 | 6 | 22.32 | 45.45 | 60.00 | 27.27 |
| VARANASI | 10 | 2 | 5 | 10.35 | 20.00 | 50.00 | 10.00 |
| BEAWAR | 10 | 2 | 0 | 0.00 | 20.00 | 0.00 | 0.00 |
| LONI | 9 | 3 | 2 | 12.07 | 33.33 | 33.33 | 11.11 |
| HARIDWAR | 9 | 1 | 1 | 12.19 | 11.11 | 100.00 | 11.11 |
| NAGAUR | 8 | 2 | 5 | 25.40 | 25.00 | 100.00 | 25.00 |
| MATHURA | 8 | 3 | 2 | 15.66 | 37.50 | 66.67 | 25.00 |
| PANCHKULA | 8 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 |
| Jaipur 4 | 7 | 2 | 2 | 1.82 | 28.57 | 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 |
| JODHPUR | 0 | 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 |
|---|---|---|---|---|
| JAIPUR 2 | 2.38 | 2 | 6 | 3.00 |
| MATHURA | 5.93 | 1 | 3 | 3.00 |
| GREATER NOIDA | 10.72 | 4 | 11 | 2.75 |
| JAIPUR 3 | 6.81 | 3 | 8 | 2.67 |
| BARABANKI | 10.07 | 2 | 5 | 2.50 |
| KHERLI | 6.29 | 4 | 9 | 2.25 |
| BHILWARA | 7.46 | 3 | 6 | 2.00 |
| DELHI ROHINI | 2.21 | 1 | 2 | 2.00 |
| JHALAWAR | 7.54 | 2 | 4 | 2.00 |
| LUCKNOW | 11.55 | 5 | 10 | 2.00 |
| MODI NAGAR | 9.50 | 1 | 2 | 2.00 |
| NAGAUR | 7.48 | 1 | 2 | 2.00 |
| Jodhpur City | 11.59 | 2 | 4 | 2.00 |
| GHAZIABAD | 10.04 | 5 | 8 | 1.60 |
| ALWAR | 11.68 | 6 | 9 | 1.50 |
| KANPUR | 8.34 | 6 | 9 | 1.50 |
| PRAYAGRAJ | 11.72 | 4 | 6 | 1.50 |
| SAHIBABAD | 9.63 | 2 | 3 | 1.50 |
| BUNDI | 6.16 | 2 | 3 | 1.50 |
| SIKAR | 11.96 | 4 | 5 | 1.25 |
| JAIPUR 1 | 8.98 | 5 | 6 | 1.20 |
| AGRA | 7.46 | 3 | 3 | 1.00 |
| DADRI | 14.15 | 1 | 1 | 1.00 |
| KOTA | 3.60 | 3 | 3 | 1.00 |
| MEERUT | 4.03 | 4 | 4 | 1.00 |
| DELHI 6 | 32.13 | 3 | 3 | 1.00 |
| Haridwar | 12.19 | 1 | 1 | 1.00 |
| JAIPUR 6 | 12.75 | 5 | 4 | 0.80 |
| AJMER | 12.41 | 4 | 3 | 0.75 |
| GHAZIABAD 2 | 9.15 | 4 | 3 | 0.75 |
| NOIDA | 15.40 | 4 | 3 | 0.75 |
| AGRA ROAD | 16.11 | 3 | 2 | 0.67 |
| DELHI LAXMI NAGAR | 14.34 | 4 | 2 | 0.50 |
| DWARKA MOR | 25.61 | 4 | 2 | 0.50 |
| PALI | 3.52 | 2 | 1 | 0.50 |
| Varanasi | 6.31 | 2 | 1 | 0.50 |
| MAYUR VIHAR | 26.33 | 2 | 1 | 0.50 |
| KAUSHAMBI | 12.01 | 7 | 2 | 0.29 |
| FARIDABAD | 11.44 | 4 | 1 | 0.25 |
| DEHRADUN | 8.96 | 6 | 1 | 0.17 |
| JAIPUR 4 | — | 0 | 0 | — |
| LONI | 10.19 | 0 | 1 | — |
| Udaipur | — | 2 | 0 | — |
| BEAWAR | — | 2 | 0 | — |
| JODHPUR | — | 0 | 0 | — |
| LUCKNOW 2 | — | 6 | 0 | — |