- Login→Sanction at 44.9% (+11.8pp MoM) against the 55% floor.Derived from: 140 sanctions / 312 logins vs 96/290 prior
- UP/UK loses the most files in the funnel — 172 at sanction and 56 at disbursal.Derived from: 312 logins → 140 sanctions → 84 fresh disbursals
- Concentration: 6 of 19 branches produce 50% of disbursal value (₹502L).Derived from: Branch disbursal amounts, current month
- 4 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
312
Lost @ sanction
172
Lost @ disbursal
56
L→S %
0%
Threshold ≥55% · prior 33.10%
S→D %
0%
Threshold ≥65% · prior 56.30%
L→D %
0%
Threshold ≥35% · prior 18.60%
Disbursed (₹L)
0
prior 673.91
Login → Sanction → Disbursal
Counts for Jul against Jun
| Branch | Logins | Sanctions | Disb No | Disb ₹L | L→S % | S→D % | L→D % |
|---|---|---|---|---|---|---|---|
| KANPUR | 33 | 14 | 15 | 59.73 | 42.40 | 78.60 | 33.30 |
| AGRA | 27 | 10 | 14 | 69.88 | 37.00 | 80.00 | 29.60 |
| LUCKNOW | 27 | 15 | 21 | 103.49 | 55.60 | 60.00 | 33.30 |
| KAUSHAMBI | 25 | 9 | 13 | 96.00 | 36.00 | 88.90 | 32.00 |
| LUCKNOW 2 | 24 | 12 | 5 | 59.64 | 50.00 | 41.70 | 20.80 |
| GHAZIABAD 2 | 22 | 13 | 10 | 62.95 | 59.10 | 53.80 | 31.80 |
| GREATER NOIDA | 22 | 13 | 5 | 83.85 | 59.10 | 30.80 | 18.20 |
| GHAZIABAD | 21 | 10 | 13 | 70.61 | 47.60 | 80.00 | 38.10 |
| Noida | 17 | 9 | 7 | 78.48 | 52.90 | 66.70 | 35.30 |
| PRAYAGRAJ | 15 | 6 | 7 | 26.63 | 40.00 | 33.30 | 13.30 |
| BARABANKI | 15 | 5 | 4 | 39.96 | 33.30 | 60.00 | 20.00 |
| MEERUT | 14 | 6 | 2 | 6.79 | 42.90 | 16.70 | 7.10 |
| SAHIBABAD | 11 | 5 | 7 | 44.15 | 45.50 | 40.00 | 18.20 |
| DEHRADUN | 11 | 4 | 3 | 16.47 | 36.40 | 50.00 | 18.20 |
| VARANASI | 9 | 2 | 3 | 4.42 | 22.20 | 0.00 | 0.00 |
| MATHURA | 8 | 0 | 3 | 15.94 | 0.00 | 0.00 | 37.50 |
| DADRI | 7 | 1 | 4 | 26.12 | 14.30 | 300.00 | 42.90 |
| MODI NAGAR | 4 | 6 | 2 | 22.89 | 150.00 | 33.30 | 50.00 |
| LONI | 0 | 0 | 1 | 0.56 | 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 |
|---|---|---|---|---|
| AGRA | — | — | — | — |
| BARABANKI | — | — | — | — |
| KANPUR | — | — | — | — |
| LUCKNOW | — | — | — | — |
| MEERUT | — | — | — | — |
| PRAYAGRAJ | — | — | — | — |
| Varanasi | — | — | — | — |
| DEHRADUN | — | — | — | — |
| LUCKNOW 2 | — | — | — | — |
| MATHURA | — | — | — | — |