Funnel read-out
Derived analysis
ANALYSIS
- Login→Sanction at 39% (-13.3pp MoM) against the 55% floor.Derived from: 292 sanctions / 749 logins vs 317/606 prior
- Tamil Nadu loses the most files in the funnel — 154 at sanction and 43 at disbursal.Derived from: 260 logins → 106 sanctions → 63 fresh disbursals
- Concentration: 12 of 51 branches produce 50% of disbursal value (₹3302L).Derived from: Branch disbursal amounts, current month
- 58 RMs past 3 months vintage recorded zero disbursal in both months.Derived from: Non-performing RM list
Where the funnel leaks
Derived · logins split into lost-before-sanction, lost-after-sanction and converted
LEAKAGE
Leakage ranking
Derived · worst stage per sub-region
RANK
Tamil NaduWorst stage: Sanction
LOGINS
260
LOST @ SANCTION
154
LOST @ DISBURSAL
43
KarnatakaWorst stage: Sanction
LOGINS
263
LOST @ SANCTION
150
LOST @ DISBURSAL
34
TelanganaWorst stage: Sanction
LOGINS
134
LOST @ SANCTION
91
LOST @ DISBURSAL
13
Andhra PradeshWorst stage: Sanction
LOGINS
92
LOST @ SANCTION
62
LOST @ DISBURSAL
3
Branch funnel detail
Fresh disbursal basis · thresholds L→S ≥55% · S→D ≥65% · L→D ≥35%
BRANCHES
| Branch | SR | Logins ▼ | Sanctions | Fresh Disb # | Fresh ₹L | Funnel loss | Logins MoM | FOS |
|---|---|---|---|---|---|---|---|---|
| MYSORE | Karnataka | 36 | 16 | 12 | 101.1 | 24 | ▲44.0% | 8 |
| TIRUPPUR | Tamil Nadu | 35 | 20 | 16 | 302.9 | 19 | ▲66.7% | 9 |
| DEVANAHALLI | Karnataka | 24 | 13 | 7 | 77.5 | 17 | ▲20.0% | 7 |
| Trichy | Tamil Nadu | 23 | 5 | 3 | 86.4 | 20 | ▲64.3% | 8 |
| NELAMANGALA | Karnataka | 23 | 7 | 1 | 10.8 | 22 | ▲27.8% | 7 |
| WARANGAL | Telangana | 22 | 7 | 4 | 19.4 | 18 | ▲83.3% | 8 |
| MADURAI | Tamil Nadu | 22 | 9 | 6 | 101.5 | 16 | ▲10.0% | 10 |
| VIZAG | Andhra Pradesh | 21 | 6 | 10 | 89.3 | 11 | ▲40.0% | 8 |
| KARIMNAGAR | Telangana | 21 | 7 | 6 | 52.9 | 15 | ▲16.7% | 7 |
| HOSUR | Tamil Nadu | 21 | 4 | 4 | 30.1 | 17 | ▲50.0% | 5 |
| KURNOOL | Andhra Pradesh | 21 | 8 | 3 | 20.1 | 18 | ▲5.0% | 6 |
| HUBBALI | Karnataka | 20 | 13 | 6 | 72.8 | 14 | ▲42.9% | 7 |
| SHIVAMOGGA | Karnataka | 20 | 7 | 7 | 63.1 | 13 | ▼9.1% | 6 |
| COIMBATORE | Tamil Nadu | 20 | 9 | 5 | 79.8 | 15 | ▲42.9% | 7 |
| HASSAN | Karnataka | 20 | 10 | 7 | 58.3 | 13 | ▲25.0% | 6 |
| ERODE | Tamil Nadu | 18 | 9 | 6 | 145.6 | 12 | ▲28.6% | 6 |
| KUKATPALLY 2 | Telangana | 18 | 7 | 3 | 48.0 | 15 | ▲50.0% | 9 |
| TUMAKURU | Karnataka | 18 | 7 | 6 | 76.6 | 12 | ▲0.0% | 8 |
| Namakkal | Tamil Nadu | 18 | 5 | 3 | 62.3 | 15 | ▲50.0% | 5 |
| KUKATPALLY | Telangana | 17 | 5 | 4 | 118.9 | 13 | ▲41.7% | 5 |
| RAJAHMUNDRY | Andhra Pradesh | 16 | 7 | 6 | 57.9 | 10 | ▲14.3% | 9 |
| SALEM | Tamil Nadu | 16 | 11 | 5 | 82.6 | 11 | ▲45.5% | 7 |
| HOSKOTE | Karnataka | 15 | 5 | 4 | 60.8 | 11 | ▲114.3% | 5 |
| KUDUMUDI | Tamil Nadu | 14 | 8 | 4 | 112.0 | 10 | ▲75.0% | 3 |
| KENGERI | Karnataka | 14 | 7 | 6 | 57.4 | 8 | ▲0.0% | 9 |
| MIRYALAGUDA | Telangana | 14 | 10 | 6 | 47.2 | 8 | ▼12.5% | 7 |
| DAVANAGERE | Karnataka | 14 | 10 | 7 | 99.5 | 7 | ▼33.3% | 7 |
| SANGAREDDY | Telangana | 14 | 1 | 2 | 13.7 | 12 | ▲40.0% | 4 |
| CUDDALORE | Tamil Nadu | 14 | 5 | 3 | 36.4 | 11 | ▲7.7% | 5 |
| VANASTHALIPURAM | Telangana | 13 | 4 | 2 | 22.3 | 11 | ▼7.1% | 9 |
| RAMANAGARA | Karnataka | 13 | 5 | 4 | 46.4 | 9 | ▲8.3% | 6 |
| MAHBUBNAGAR | Telangana | 12 | 2 | 3 | 25.4 | 9 | ▲20.0% | 5 |
| Dindigul | Tamil Nadu | 12 | 4 | 3 | 24.9 | 9 | ▲140.0% | 0 |
| GANDHIPURAM | Tamil Nadu | 11 | 4 | 2 | 54.3 | 9 | ▼8.3% | 3 |
| BANGALORE 2 | Karnataka | 11 | 1 | 1 | 14.2 | 10 | ▲22.2% | 4 |
| DABASPETE | Karnataka | 10 | 2 | 3 | 24.8 | 7 | ▼9.1% | 4 |
| VIJAYAWADA | Andhra Pradesh | 10 | 3 | 3 | 19.5 | 7 | ▲233.3% | 8 |
| GUNTUR | Andhra Pradesh | 10 | 1 | 1 | 15.7 | 9 | ▲66.7% | 3 |
| DHARMAPURI | Tamil Nadu | 10 | 0 | 0 | 0.0 | 10 | — | 5 |
| POLLACHI | Tamil Nadu | 9 | 6 | 2 | 24.3 | 7 | ▼18.2% | 3 |
| KARUR | Tamil Nadu | 9 | 5 | 0 | 0.0 | 9 | ▲12.5% | 4 |
| TIRUPATI | Andhra Pradesh | 8 | 4 | 3 | 52.1 | 5 | ▼50.0% | 7 |
| KANCHIPURAM | Tamil Nadu | 8 | 2 | 1 | 14.3 | 7 | — | 2 |
| NAGARBHAVI | Karnataka | 7 | 3 | 2 | 13.7 | 5 | ▲16.7% | 2 |
| NELLORE | Andhra Pradesh | 6 | 1 | 1 | 41.6 | 5 | ▲20.0% | 5 |
| BAGEPALLI | Karnataka | 6 | 0 | 0 | 0.0 | 6 | ▲20.0% | 1 |
| SIRA | Karnataka | 4 | 2 | 2 | 11.1 | 2 | ▼42.9% | 4 |
| BANGALORE | Karnataka | 3 | 1 | 1 | 10.0 | 2 | ▼40.0% | 13 |
| BHONGIR | Telangana | 3 | 0 | 0 | 0.0 | 3 | ▲200.0% | 2 |
| BHOGADI | Karnataka | 3 | 2 | 2 | 15.1 | 1 | ▼62.5% | 3 |
| BANGALORE 6 | Karnataka | 2 | 2 | 1 | 8.2 | 1 | ▼71.4% | 3 |