- Login→Sanction at 43.9% (+8.1pp MoM) against the 55% floor.Derived from: 283 sanctions / 645 logins vs 214/598 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: 12 of 45 branches produce 50% of disbursal value (₹996L).Derived from: Branch disbursal amounts, current month
- 25 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
RajasthanWorst stage: Sanction
Logins
243
Lost @ sanction
142
Lost @ disbursal
45
Delhi/NCRWorst stage: Sanction
Logins
90
Lost @ sanction
48
Lost @ disbursal
16
L→S %
0%
Threshold ≥55% · prior 35.80%
S→D %
0%
Threshold ≥65% · prior 50.50%
L→D %
0%
Threshold ≥35% · prior 18.10%
Disbursed (₹L)
0
prior 1,378.23
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 |
| ALWAR | 33 | 18 | 15 | 90.14 | 54.50 | 38.90 | 21.20 |
| 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 |
| KHERLI | 25 | 15 | 9 | 34.37 | 60.00 | 33.30 | 20.00 |
| 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 |
| DWARKA MOR | 21 | 11 | 6 | 77.21 | 52.40 | 54.50 | 28.60 |
| GHAZIABAD | 21 | 10 | 13 | 70.61 | 47.60 | 80.00 | 38.10 |
| DELHI ROHINI | 18 | 2 | 2 | 33.18 | 11.10 | 100.00 | 11.10 |
| Noida | 17 | 9 | 7 | 78.48 | 52.90 | 66.70 | 35.30 |
| KOTA | 15 | 2 | 2 | 7.37 | 13.30 | 0.00 | 0.00 |
| PRAYAGRAJ | 15 | 6 | 7 | 26.63 | 40.00 | 33.30 | 13.30 |
| BARABANKI | 15 | 5 | 4 | 39.96 | 33.30 | 60.00 | 20.00 |
| JAIPUR 3 | 15 | 7 | 11 | 78.17 | 46.70 | 85.70 | 40.00 |
| DELHI 6 | 15 | 7 | 2 | 10.90 | 46.70 | 28.60 | 13.30 |
| JAIPUR 6 | 15 | 3 | 0 | 0.00 | 20.00 | 0.00 | 0.00 |
| DELHI LAXMI NAGAR | 14 | 11 | 10 | 113.02 | 78.60 | 81.80 | 64.30 |
| MEERUT | 14 | 6 | 2 | 6.79 | 42.90 | 16.70 | 7.10 |
| JAIPUR 1 | 13 | 6 | 7 | 69.02 | 46.20 | 83.30 | 38.50 |
| SIKAR | 13 | 5 | 7 | 50.83 | 38.50 | 80.00 | 30.80 |
| JHALAWAR | 13 | 7 | 5 | 21.39 | 53.80 | 57.10 | 30.80 |
| BHILWARA | 12 | 7 | 6 | 13.57 | 58.30 | 14.30 | 8.30 |
| FARIDABAD | 11 | 5 | 5 | 58.99 | 45.50 | 60.00 | 27.30 |
| SAHIBABAD | 11 | 5 | 7 | 44.15 | 45.50 | 40.00 | 18.20 |
| MAYUR VIHAR | 11 | 6 | 5 | 52.50 | 54.50 | 66.70 | 36.40 |
| BUNDI | 11 | 5 | 3 | 5.13 | 45.50 | 60.00 | 27.30 |
| DEHRADUN | 11 | 4 | 3 | 16.47 | 36.40 | 50.00 | 18.20 |
| AGRA ROAD | 11 | 3 | 7 | 65.84 | 27.30 | 133.30 | 36.40 |
| JAIPUR 2 | 10 | 5 | 6 | 32.98 | 50.00 | 100.00 | 50.00 |
| AJMER | 10 | 3 | 5 | 9.02 | 30.00 | 66.70 | 20.00 |
| VARANASI | 9 | 2 | 3 | 4.42 | 22.20 | 0.00 | 0.00 |
| JODHPUR CITY | 9 | 4 | 7 | 51.84 | 44.40 | 50.00 | 22.20 |
| PALI | 9 | 4 | 1 | 17.00 | 44.40 | 25.00 | 11.10 |
| NAGAUR | 8 | 3 | 4 | 35.59 | 37.50 | 133.30 | 50.00 |
| MATHURA | 8 | 0 | 3 | 15.94 | 0.00 | 0.00 | 37.50 |
| BEAWAR | 7 | 1 | 2 | 25.23 | 14.30 | 100.00 | 14.30 |
| Jaipur 4 | 7 | 2 | 2 | 3.61 | 28.60 | 0.00 | 0.00 |
| DADRI | 7 | 1 | 4 | 26.12 | 14.30 | 300.00 | 42.90 |
| UDAIPUR | 7 | 1 | 5 | 27.48 | 14.30 | 200.00 | 28.60 |
| 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 |
| 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 |
|---|---|---|---|---|
| AGRA | — | — | — | — |
| AJMER | — | — | — | — |
| ALWAR | — | — | — | — |
| BARABANKI | — | — | — | — |
| BHILWARA | — | — | — | — |
| DADRI | — | — | — | — |
| DELHI LAXMI NAGAR | — | — | — | — |
| DELHI ROHINI | — | — | — | — |
| DWARKA MOR | — | — | — | — |
| FARIDABAD | — | — | — | — |
| GHAZIABAD | — | — | — | — |
| GHAZIABAD 2 | — | — | — | — |
| GREATER NOIDA | — | — | — | — |
| JAIPUR 1 | — | — | — | — |
| JAIPUR 2 | — | — | — | — |
| JAIPUR 3 | — | — | — | — |
| JAIPUR 4 | — | — | — | — |
| JHALAWAR | — | — | — | — |
| KANPUR | — | — | — | — |
| KAUSHAMBI | — | — | — | — |
| KHERLI | — | — | — | — |
| KOTA | — | — | — | — |
| LONI | — | — | — | — |
| LUCKNOW | — | — | — | — |
| MEERUT | — | — | — | — |
| MODI NAGAR | — | — | — | — |
| NAGAUR | — | — | — | — |
| NOIDA | — | — | — | — |
| PALI | — | — | — | — |
| PRAYAGRAJ | — | — | — | — |
| SAHIBABAD | — | — | — | — |
| SIKAR | — | — | — | — |
| Jodhpur City | — | — | — | — |
| Udaipur | — | — | — | — |
| Varanasi | — | — | — | — |
| BEAWAR | — | — | — | — |
| BUNDI | — | — | — | — |
| DEHRADUN | — | — | — | — |
| JODHPUR | — | — | — | — |
| LUCKNOW 2 | — | — | — | — |
| MAYUR VIHAR | — | — | — | — |
| AGRA ROAD | — | — | — | — |
| DELHI 6 | — | — | — | — |
| JAIPUR 6 | — | — | — | — |
| MATHURA | — | — | — | — |