Productivity read-out
Derived analysis
ANALYSIS
- 199 fresh files across 196 active FOS — 1.02 files per FOS.Derived from: Fresh disbursal count / active FOS
- 58 non-performing RMs and 17 on early watch in scope.Derived from: Zero-disbursal RM lists by vintage
- 35 branches breach the 3.5% branch salary-opex ceiling.Derived from: Branch salary % of disbursement
RM / SM Productivity — Vintage Buckets
Avg logins & disbursals per RM by tenure, current vs prior month
RM
>12 m
67
₹15.17L / RM
6-12 m
63
₹14.35L / RM
3-6 m
24
₹15.23L / RM
<3 m
51
₹5.09L / RM
Salary OpEx % of Disbursement
Branch ≤3.5% · Managerial ≤0.75% · Support ≤0.75%
OTD
Derived outliers (>1 SD from zone mean): KARUR 39.4% · BANGALORE 2 19.3% · KANCHIPURAM 13.0% · WARANGAL 12.9%
Branch salary % vs disbursement
Each dot is a branch · dashed line = 3.5% threshold · bubble size = managerial %
CHART
Click a dot to open the branch drill-down · red = above 3.5% threshold
Salary Opex % / Disb — branch detail
53 of 53 branches shown · click a row for the drill-down
OPEX
| Branch | Type | SR | Branch % (≤3.5) ▼ | Mgr % (≤0.75) | Support % (≤0.75) | Disb ₹L | Gap ₹L |
|---|---|---|---|---|---|---|---|
| KARUR | DRM | Tamil Nadu | 39.38 | 7.08 | 5.86 | 4.87 | -46.1 |
| BANGALORE 2 | DRM | Karnataka | 19.32 | 2.34 | 3.72 | 14.24 | -58.1 |
| KANCHIPURAM | DRM | Tamil Nadu | 13.00 | 2.40 | 4.26 | 14.34 | -42.1 |
| WARANGAL | DRM | Telangana | 12.91 | 1.87 | 4.11 | 24.15 | -67.1 |
| BANGALORE | DRM | Karnataka | 12.63 | 3.78 | 10.19 | 16.19 | -69.9 |
| BHOGADI | DBM | Karnataka | 10.57 | 0.00 | 0.00 | 15.05 | -16.8 |
| KURNOOL | DRM | Andhra Pradesh | 9.58 | 1.47 | 3.70 | 26.17 | -51.0 |
| NELAMANGALA | DRM | Karnataka | 9.14 | 2.44 | 7.15 | 25.02 | -68.8 |
| SANGAREDDY | DRM | Telangana | 8.47 | 1.76 | 3.32 | 25.75 | -44.0 |
| VANASTHALIPURAM | DRM | Telangana | 8.38 | 0.87 | 3.40 | 52.18 | -79.8 |
| DABASPETE | DBM | Karnataka | 7.71 | 0.00 | 0.00 | 24.82 | -13.5 |
| SIRA | DBM | Karnataka | 7.61 | 0.00 | 0.00 | 13.91 | -7.3 |
| VIJAYAWADA | DRM | Andhra Pradesh | 7.52 | 1.65 | 5.32 | 23.25 | -44.1 |
| Cuddalore | DRM | Tamil Nadu | 7.20 | 0.92 | 1.74 | 37.43 | -36.4 |
| GUNTUR | DRM | Andhra Pradesh | 7.01 | 1.92 | 3.62 | 20.04 | -30.3 |
| MIRYALAGUDA | DRM | Telangana | 6.90 | 0.84 | 2.05 | 53.69 | -51.5 |
| KENGERI | DRM | Karnataka | 6.58 | 0.97 | 1.39 | 62.97 | -49.6 |
| NAGARBHAVI | DBM | Karnataka | 6.32 | 0.00 | 0.00 | 21.37 | -5.7 |
| DINDIGUL | DRM | Tamil Nadu | 6.08 | 1.10 | 2.49 | 31.44 | -29.4 |
| MAHBUBNAGAR | DRM | Telangana | 5.80 | 1.46 | 3.81 | 30.99 | -37.6 |
| POLLACHI | DBM | Tamil Nadu | 5.75 | 0.00 | 0.00 | 26.27 | -4.0 |
| BANGALORE 6 | DRM | Karnataka | 5.74 | 4.05 | 6.45 | 8.23 | -18.5 |
| KUKATPALLY 2 | DRM | Telangana | 5.51 | 0.92 | 1.52 | 49.07 | -28.9 |
| TIRUPATI | DRM | Andhra Pradesh | 5.43 | 0.63 | 2.65 | 61.24 | -45.5 |
| HOSUR | DRM | Tamil Nadu | 4.90 | 0.56 | 1.82 | 61.87 | -28.2 |
| RAMANAGARA | DRM | Karnataka | 4.88 | 0.52 | 2.33 | 63.47 | -34.7 |
| RAJAHMUNDRY | DRM | Andhra Pradesh | 4.73 | 0.64 | 2.01 | 59.96 | -28.6 |
| KARIMNAGAR | DRM | Telangana | 4.60 | 0.73 | 2.28 | 61.73 | -32.2 |
| HUBBALI | DRM | Karnataka | 4.44 | 0.41 | 1.55 | 80.81 | -22.7 |
| MYSORE | DRM | Karnataka | 4.16 | 0.52 | 1.53 | 118.28 | -28.6 |
| MADURAI | DRM | Tamil Nadu | 4.11 | 0.29 | 0.99 | 117.11 | -9.3 |
| Namakkal | DRM | Tamil Nadu | 3.73 | 0.51 | 0.99 | 67.64 | -3.1 |
| HOSKOTE | DRM | Karnataka | 3.66 | 0.80 | 1.99 | 76.21 | -22.1 |
| HASSAN | DRM | Karnataka | 3.57 | 0.39 | 1.31 | 86.28 | -4.6 |
| TUMAKURU | DRM | Karnataka | 3.52 | 0.32 | 1.53 | 104.33 | -7.7 |
| SHIVAMOGGA | DRM | Karnataka | 3.38 | 0.32 | 1.54 | 105.72 | -5.0 |
| DEVANAHALLI | DRM | Karnataka | 3.35 | 0.59 | 1.42 | 103.69 | -7.5 |
| GANDHIPURAM | DBM | Tamil Nadu | 3.20 | 0.00 | 0.00 | 73.05 | 26.3 |
| VIZAG | DRM | Andhra Pradesh | 3.15 | 0.37 | 1.49 | 102.47 | -0.2 |
| SALEM | DRM | Tamil Nadu | 3.10 | 0.33 | 1.24 | 105.71 | 7.0 |
| DAVANAGERE | DRM | Karnataka | 3.05 | 0.29 | 1.51 | 116.53 | 3.4 |
| TRICHY | DRM | Tamil Nadu | 2.90 | 0.30 | 1.32 | 115.92 | 11.2 |
| COIMBATORE | DRM | Tamil Nadu | 2.67 | 0.26 | 1.51 | 132.42 | 15.0 |
| NELLORE | DRM | Andhra Pradesh | 2.48 | 0.66 | 2.52 | 58.23 | -7.7 |
| ERODE | DRM | Tamil Nadu | 2.20 | 0.18 | 0.84 | 188.96 | 67.2 |
| KUKATPALLY | DRM | Telangana | 2.12 | 0.33 | 0.80 | 136.67 | 47.9 |
| KUDUMUDI | DBM | Tamil Nadu | 1.89 | 0.00 | 0.00 | 122.60 | 76.3 |
| TIRUPPUR | DRM | Tamil Nadu | 1.48 | 0.10 | 0.37 | 355.38 | 216.7 |
| BHONGIR | DBM | Telangana | 0.00 | 0.00 | 0.00 | 0.00 | -8.7 |
| BAGEPALLI | DBM | Karnataka | 0.00 | 0.00 | 0.00 | 0.00 | -22.6 |
| THANJAVUR | DRM | Tamil Nadu | 0.00 | 0.00 | 0.00 | 0.00 | -12.6 |
| DHARMAPURI | DRM | Tamil Nadu | 0.00 | 0.00 | 0.00 | 0.00 | -62.3 |
| Chengalpattu | DRM | Tamil Nadu | 0.00 | 0.00 | 0.00 | 0.00 | -27.4 |
ATS & FOS Productivity
Avg Ticket Size (₹L, fresh disb) · Productivity = Fresh Disb Count / Active FOS
ATS/PROD
| Branch | ATS Overall ₹L | Active FOS | Fresh Files | Productivity ▼ | Fresh Disb ₹L |
|---|---|---|---|---|---|
| VIJAYAWADA | 6.50 | 1 | 3 | 3.00 | 19.50 |
| NAGARBHAVI | 6.86 | 1 | 2 | 2.00 | 13.73 |
| VIZAG | 8.93 | 5 | 10 | 2.00 | 89.31 |
| TIRUPPUR | 18.93 | 9 | 16 | 1.78 | 302.95 |
| DEVANAHALLI | 11.07 | 4 | 7 | 1.75 | 77.46 |
| MYSORE | 8.42 | 7 | 12 | 1.71 | 101.06 |
| DABASPETE | 8.27 | 2 | 3 | 1.50 | 24.82 |
| SHIVAMOGGA | 9.02 | 5 | 7 | 1.40 | 63.13 |
| KUDUMUDI | 28.00 | 3 | 4 | 1.33 | 112.01 |
| ERODE | 24.26 | 5 | 6 | 1.20 | 145.55 |
| HUBBALI | 12.14 | 5 | 6 | 1.20 | 72.83 |
| KARIMNAGAR | 8.82 | 5 | 6 | 1.20 | 52.90 |
| KENGERI | 9.57 | 5 | 6 | 1.20 | 57.43 |
| RAJAHMUNDRY | 9.64 | 5 | 6 | 1.20 | 57.86 |
| DAVANAGERE | 14.22 | 6 | 7 | 1.17 | 99.55 |
| HASSAN | 8.33 | 6 | 7 | 1.17 | 58.30 |
| GANDHIPURAM | 27.14 | 2 | 2 | 1.00 | 54.28 |
| HOSKOTE | 15.20 | 4 | 4 | 1.00 | 60.79 |
| KURNOOL | 6.69 | 3 | 3 | 1.00 | 20.06 |
| MAHBUBNAGAR | 8.47 | 3 | 3 | 1.00 | 25.42 |
| MIRYALAGUDA | 7.87 | 6 | 6 | 1.00 | 47.23 |
| Pollachi | 12.14 | 2 | 2 | 1.00 | 24.27 |
| TUMAKURU | 12.76 | 6 | 6 | 1.00 | 76.57 |
| BANGALORE 6 | 8.23 | 1 | 1 | 1.00 | 8.23 |
| BHOGADI | 7.53 | 2 | 2 | 1.00 | 15.05 |
| COIMBATORE | 15.95 | 6 | 5 | 0.83 | 79.75 |
| SALEM | 16.53 | 6 | 5 | 0.83 | 82.64 |
| HOSUR | 7.53 | 5 | 4 | 0.80 | 30.12 |
| KUKATPALLY | 29.72 | 5 | 4 | 0.80 | 118.88 |
| RAMANAGARA | 11.59 | 5 | 4 | 0.80 | 46.35 |
| MADURAI | 16.92 | 8 | 6 | 0.75 | 101.55 |
| TIRUPATI | 17.37 | 4 | 3 | 0.75 | 52.10 |
| Namakkal | 20.76 | 4 | 3 | 0.75 | 62.28 |
| WARANGAL | 4.86 | 6 | 4 | 0.67 | 19.43 |
| KUKATPALLY 2 | 16.01 | 5 | 3 | 0.60 | 48.04 |
| CUDDALORE | 12.13 | 5 | 3 | 0.60 | 36.38 |
| BANGALORE | 10.00 | 2 | 1 | 0.50 | 10.00 |
| SANGAREDDY | 6.83 | 4 | 2 | 0.50 | 13.66 |
| TRICHY | 28.79 | 6 | 3 | 0.50 | 86.37 |
| GUNTUR | 15.74 | 2 | 1 | 0.50 | 15.74 |
| Kanchipuram | 14.34 | 2 | 1 | 0.50 | 14.34 |
| VANASTHALIPURAM | 11.15 | 5 | 2 | 0.40 | 22.30 |
| NELAMANGALA | 10.75 | 3 | 1 | 0.33 | 10.75 |
| NELLORE | 41.64 | 3 | 1 | 0.33 | 41.64 |
| BANGALORE 2 | 14.24 | 4 | 1 | 0.25 | 14.24 |
| BHONGIR | — | 0 | 0 | — | 0.00 |
| SIRA | 5.55 | 0 | 2 | — | 11.10 |
| KARUR | — | 2 | 0 | — | 0.00 |
| BAGEPALLI | — | 1 | 0 | — | 0.00 |
| Dindigul | 8.31 | 0 | 3 | — | 24.93 |
Non-Performing RMs — >3 month vintage, zero disbursal · 58 RMs
Zero disbursal across Jul 2026 and Aug 2026
WATCHLIST
| RM | Designation | Location | SR | Vintage (m) ▼ | Bucket | Aug 2026 Logins | Jul 2026 Logins | Aug 2026 Disb ₹L |
|---|---|---|---|---|---|---|---|---|
| Cheruku Suresh Goud | Area Sales Manager | Vanasthalipuram | Telangana | 26.9 | >12 | 2 | 2 | 0.00 |
| Nithishkumar D | Senior Territory Sales Manager | Ramanagara | Karnataka | 26.6 | >12 | 1 | 5 | 0.00 |
| Nakirekanti Lingam | Senior Territory Sales Manager | Vanasthalipuram | Telangana | 26.3 | >12 | 1 | 1 | 0.00 |
| Durgam Harish | Area Sales Manager | Kukatpally | Telangana | 26.0 | >12 | 4 | 3 | 0.00 |
| Ramakrishna Kummari | Territory Sales Manager | Vanasthalipuram | Telangana | 23.0 | >12 | 2 | 1 | 0.00 |
| Raghavendra D | Territory Sales Manager | Tumakuru | Karnataka | 22.1 | >12 | 3 | 4 | 0.00 |
| Basavana Gowda C | Territory Sales Executive | Davanagere | Karnataka | 21.2 | >12 | 1 | 2 | 0.00 |
| Ollala Naveen Kumar | Territory Sales Manager | Kukatpally | Telangana | 20.1 | >12 | 2 | 3 | 0.00 |
| Marem Sree sreenivasulu | Territory Sales Manager | Nellore | Andhra Pradesh | 18.1 | >12 | 2 | 2 | 0.00 |
| Tallapaka Sai Sankar | Territory Sales Executive | Nellore | Andhra Pradesh | 16.6 | >12 | 2 | 1 | 0.00 |
| Krishnamurthy N | Territory Sales Manager | Devanahalli | Karnataka | 16.1 | >12 | 4 | 3 | 0.00 |
| Chidananda K M | Territory Sales Manager | Shivamogga | Karnataka | 15.8 | >12 | 2 | 4 | 0.00 |
| Anil H S | Territory Sales Manager | Hoskote | Karnataka | 15.8 | >12 | 1 | 2 | 0.00 |
| Koppisetti Mohan Gandhi | Territory Sales Manager | Rajahmundry | Andhra Pradesh | 15.2 | >12 | 3 | 2 | 0.00 |
| Malaikannan Athmanathan | Area Sales Manager | Coimbatore | Tamil Nadu | 14.9 | >12 | 2 | 3 | 0.00 |
| Prathip K | Territory Sales Manager | Trichy | Tamil Nadu | 14.9 | >12 | 2 | 1 | 0.00 |
| G Murali Shankar | Territory Sales Manager | Trichy | Tamil Nadu | 14.0 | >12 | 4 | 1 | 0.00 |
| Shiva Kumar Reddy | Territory Sales Manager | Vanasthalipuram | Telangana | 13.7 | >12 | 1 | 6 | 0.00 |
| Dhilip Kumar N | Territory Sales Manager | Madurai | Tamil Nadu | 13.5 | >12 | 2 | 3 | 0.00 |
| Gowtham . | Area Sales Manager | Coimbatore | Tamil Nadu | 13.1 | >12 | 3 | 2 | 0.00 |
| Sasikumar Y | Senior Territory Sales Manager | Hosur | Tamil Nadu | 13.0 | >12 | 4 | 2 | 0.00 |
| Thummala Ravi Kumar | Area Sales Manager | Kukatpally | Telangana | 12.9 | >12 | 2 | 1 | 0.00 |
| K. Dineshkumar | Territory Sales Manager | Erode | Tamil Nadu | 12.8 | >12 | 4 | 2 | 0.00 |
| Yashodhara S Y | Senior Territory Sales Manager | Tumakuru | Karnataka | 12.7 | >12 | 2 | 4 | 0.00 |
| Nagarajan R | Senior Territory Sales Manager | Trichy | Tamil Nadu | 12.1 | >12 | 3 | 2 | 0.00 |
| Prabhu R Ravi | Territory Sales Executive | KUDUMUDI | Tamil Nadu | 12.0 | >12 | 7 | 3 | 0.00 |
| Thavalam Santhosh Kumar | Territory Sales Manager | Tirupati | Andhra Pradesh | 12.0 | >12 | 1 | 3 | 0.00 |
| Karthik M | Area Sales Manager | Salem | Tamil Nadu | 11.8 | 6-12 | 1 | 2 | 0.00 |
| Vakiti Shiva Prasad | Territory Sales Manager | Mahbubnagar | Telangana | 11.7 | 6-12 | 3 | 2 | 0.00 |
| VENKATESH K | Trainee | Erode | Tamil Nadu | 11.6 | 6-12 | 0 | 0 | 0.00 |
| Akilan Paramasivam | Senior Territory Sales Manager | Trichy | Tamil Nadu | 11.4 | 6-12 | 2 | 1 | 0.00 |
| Manjunatha T | Territory Sales Manager | Davanagere | Karnataka | 11.4 | 6-12 | 3 | 2 | 0.00 |
| Medida Rohith Kumar | Territory Sales Manager | Warangal | Telangana | 10.9 | 6-12 | 4 | 3 | 0.00 |
| Karthikeyan R | Area Sales Manager | Karur | Tamil Nadu | 10.8 | 6-12 | 6 | 5 | 0.00 |
| Allabagash Jhanbasha | Senior Territory Sales Manager | Salem | Tamil Nadu | 10.7 | 6-12 | 1 | 1 | 0.00 |
| Vigneshwaran santhanagopal S | Territory Sales Manager | Tiruppur | Tamil Nadu | 10.7 | 6-12 | 1 | 1 | 0.00 |
| Mandramoorthy GURUSAMY Gurusamy | Area Sales Manager | Coimbatore | Tamil Nadu | 10.7 | 6-12 | 6 | 2 | 0.00 |
| Muthu GUNASEKARAN Gunasekaran | Territory Sales Manager | Erode | Tamil Nadu | 10.0 | 6-12 | 6 | 3 | 0.00 |
| Karthi SUBRAMANI.S S | Senior Territory Sales Manager | Salem | Tamil Nadu | 10.0 | 6-12 | 3 | 1 | 0.00 |
| Gourish pampanna Gourish | Senior Territory Sales Manager | DABASPETE | Karnataka | 9.6 | 6-12 | 6 | 4 | 0.00 |
| Arulkumar Solaiyappan Solaiyappan | Territory Sales Manager | Tiruppur | Tamil Nadu | 9.5 | 6-12 | 6 | 2 | 0.00 |
| Anthamgari Manaiah Kumar | Senior Territory Sales Manager | Sangareddy | Telangana | 8.5 | 6-12 | 3 | 4 | 0.00 |
| Donathula Pandaiah Shiva | Senior Territory Sales Manager | Kukatpally 2 | Telangana | 7.9 | 6-12 | 3 | 3 | 0.00 |
| Anand Yallappa Malagimani | Senior Territory Sales Manager | Hubbali | Karnataka | 7.9 | 6-12 | 4 | 1 | 0.00 |
| Karthik Soundaraj Soundaraj | Senior Territory Sales Manager | POLLACHI | Tamil Nadu | 7.9 | 6-12 | 5 | 1 | 0.00 |
| Ravikumar Mallappa M | Territory Sales Manager | Nelamangala | Karnataka | 7.8 | 6-12 | 1 | 4 | 0.00 |
| Yogesh Ravikumara Yogesh | Senior Territory Sales Manager | Davanagere | Karnataka | 7.6 | 6-12 | 1 | 2 | 0.00 |
| Manoj N | Territory Sales Manager | Hassan | Karnataka | 6.9 | 6-12 | 3 | 1 | 0.00 |
| RAMU ALVALA | Territory Sales Manager | Kukatpally 2 | Telangana | 6.7 | 6-12 | 4 | 3 | 0.00 |
| Guruswamy S | Senior Territory Sales Manager | Mysore | Karnataka | 6.7 | 6-12 | 0 | 2 | 0.00 |
| Nanneboina Ramesh | Senior Territory Sales Manager | Miryalaguda | Telangana | 6.5 | 6-12 | 1 | 2 | 0.00 |
| Merugu Laxman | Territory Sales Manager | Karimnagar | Telangana | 5.5 | 3-6 | 3 | 2 | 0.00 |
| Yuvaraj Ramkumar | Territory Sales Manager | Hosur | Tamil Nadu | 5.0 | 3-6 | 3 | 2 | 0.00 |
| Chillela Saibaba | Senior Territory Sales Manager | Kukatpally 2 | Telangana | 3.7 | 3-6 | 3 | 2 | 0.00 |
| Dasari Prashanth | Senior Territory Sales Manager | Karimnagar | Telangana | 3.6 | 3-6 | 1 | 3 | 0.00 |
| Venkatesh V | Senior Territory Sales Manager | Bangalore 2 | Karnataka | 3.3 | 3-6 | 2 | 3 | 0.00 |
| Sathish N | Area Sales Manager | Nelamangala | Karnataka | 3.0 | 3-6 | 6 | 4 | 0.00 |
| M Sunil Kumar | Senior Territory Sales Manager | BAGEPALLI | Karnataka | 3.0 | 3-6 | 3 | 5 | 0.00 |
Early Watch — 1.5 to 3 month vintage, zero disbursal · 17 RMs
Aug 2026 activity
EARLY WATCH
| RM | Designation | Location | SR | Vintage (m) ▼ | Logins | Sanction ₹L |
|---|---|---|---|---|---|---|
| Narla Vijaybhaskar | Area Sales Manager | Tirupati | Andhra Pradesh | 2.9 | 2 | 0.00 |
| Ranjithkumar Anjapuli | Territory Sales Manager | Cuddalore | Tamil Nadu | 2.9 | 2 | 25.25 |
| Sanjaykumar Sanjaykumar | Senior Territory Sales Manager | Madurai | Tamil Nadu | 2.8 | 2 | 0.00 |
| Avirendla Shivaprasad | Territory Sales Manager | Miryalaguda | Telangana | 2.7 | 2 | 15.59 |
| Palaniyappan Kanagaraj | Senior Territory Sales Manager | Namakkal | Tamil Nadu | 2.7 | 2 | 0.00 |
| Uppara Sivasankar | Territory Sales Manager | Kurnool | Andhra Pradesh | 2.7 | 7 | 0.00 |
| Palanivel Subash Chanthiraboss | Territory Sales Manager | Madurai | Tamil Nadu | 2.5 | 2 | 0.00 |
| Aswatha C | Territory Sales Manager | Bangalore 2 | Karnataka | 2.0 | 3 | 0.00 |
| Anbarasan A | Territory Sales Manager | Cuddalore | Tamil Nadu | 1.9 | 4 | 0.00 |
| Lara Martin J | Senior Territory Sales Manager | DINDUGAL | Tamil Nadu | 1.9 | 3 | 0.00 |
| Srinivasa M | Senior Territory Sales Manager | Bangalore 2 | Karnataka | 1.7 | 2 | 0.00 |
| Hariprasanth Chennakrishnan | Senior Territory Sales Manager | Dharmapuri | Tamil Nadu | 1.7 | 3 | 0.00 |
| Ravi M | Territory Sales Manager | Dharmapuri | Tamil Nadu | 1.7 | 2 | 0.00 |
| Kiran R | Senior Territory Sales Manager | Kengeri | Karnataka | 1.7 | 3 | 14.70 |
| Vinu NR | Area Sales Manager | Ramanagara | Karnataka | 1.5 | 1 | 0.00 |
| Ramesh K | Senior Territory Sales Manager | Bangalore 2 | Karnataka | 1.5 | 1 | 0.00 |
| Chithiraiselvan S | Territory Sales Manager | Dharmapuri | Tamil Nadu | 1.5 | 2 | 0.00 |
MoM movement in RM counts: >12m ▲06-12m ▼363-6m ▼12<3m ▼35