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 |
Portfolio mix
Source · August product and profile mix across login, sanction and disbursement
MIX
Housing
70.0%
share at disbursement
login 68.0%sanction 69.6%
LAP / Micro LAP
26.3%
share at disbursement
login 26.0%sanction 25.9%
Top-up
3.6%
share at disbursement
login 5.9%sanction 4.5%
Self-employed
59.3%
share at disbursement
login 60.3%sanction 59.9%
Salaried / Govt
40.7%
share at disbursement
login 39.7%sanction 37.8%
Product-wise branch matrix
Source · branch product / profile mix with ATS, freshness and same-month conversion · colour = healthy / watch / weak
PRODUCT
healthy watch weak51 branches · ATS ₹L · Fresh % · Same-month L→D %
| Branch | Logins | Sanc | Disb ₹L | Product mix | Profile mix | ATS ₹L | Fresh % | L→D % |
|---|---|---|---|---|---|---|---|---|
| Tiruppur | 35 | 20 | 355 | Home Purchase 80% | 76% SE | 20.6 | 43% | 6% |
| Erode | 18 | 9 | 189 | Home Purchase 81% | 70% SE | 20.4 | 30% | 28% |
| Kukatpally | 17 | 5 | 137 | Purchase 49%; LAP 27% | 60% Salaried | 19.7 | 40% | 6% |
| Coimbatore | 20 | 9 | 132 | Purchase 37%; Plot+Const 27% | 58% SE | 21.6 | 19% | 15% |
| Kudumudi | 14 | 8 | 123 | Purchase 65%; BT 28% | Balanced | 24.2 | 57% | 21% |
| Davanagere | 14 | 11 | 120 | Purchase / LAP balanced | 62% Salaried | 13.8 | 54% | 29% |
| Mysore | 31 | 16 | 118 | LAP 57% | 71% SE | 9.4 | 57% | 3% |
| Madurai | 22 | 9 | 117 | Purchase 80% | 50:50 | 17.9 | 50% | 5% |
| Trichy | 23 | 5 | 116 | Purchase 61%; Construction 29% | 73% Salaried | 24.6 | 27% | 4% |
| Salem | 16 | 11 | 106 | LAP 48% | 55% SE | 18.9 | 45% | 6% |
| Tumakuru | 18 | 8 | 106 | Construction / BT | 57% Salaried | 12.0 | 43% | 0% |
| Shivamogga | 20 | 7 | 106 | Construction 50% | 61% SE | 11.5 | 39% | 15% |
| Devanahalli | 24 | 13 | 104 | Purchase 41%; LAP 33% | 69% SE | 12.9 | 54% | 17% |
| Vizag | 21 | 6 | 102 | Purchase 47%; LAP 44% | 65% Salaried | 6.4 | 59% | 14% |
| Hassan | 20 | 10 | 86 | LAP / BT | 53% SE | 10.7 | 47% | 10% |
| Hubballi | 20 | 13 | 81 | LAP 80% | 82% SE | 10.6 | 55% | 0% |
| Hoskote | 15 | 5 | 76 | Purchase / Construction | 64% SE | 12.1 | 36% | 7% |
| Gandhipuram | 11 | 4 | 73 | BT 45% | 83% Salaried | 20.6 | 33% | 9% |
| Namakkal | 18 | 5 | 68 | Construction 46%; LAP 38% | 50:50 | 23.6 | 75% | 6% |
| Ramanagara | 13 | 5 | 63 | Mixed | 64% Salaried | 11.3 | 36% | 0% |
| Kengeri | 14 | 7 | 63 | Purchase 64% | 56% SE | 11.6 | 67% | 29% |
| Hosur | 21 | 4 | 62 | Construction 35%; Plot+Const 30% | 73% Salaried | 20.1 | 27% | 5% |
| Karimnagar | 21 | 7 | 62 | LAP 51% | 67% SE | 11.3 | 67% | 14% |
| Tirupati | 8 | 4 | 61 | Purchase 62% | 62% SE | 10.3 | 38% | 13% |
| Rajahmundry | 16 | 7 | 60 | LAP 68% | 100% SE | 6.3 | 75% | 25% |
| Nellore | 6 | 1 | 58 | Purchase 72% | 62% SE | 6.3 | 12% | 17% |
| Miryalaguda | 14 | 10 | 54 | LAP 81% | 100% SE | 10.1 | 60% | 21% |
| Vanasthalipuram | 13 | 4 | 52 | Construction 78% | 58% SE | 12.7 | 17% | 0% |
| Kukatpally 2 | 18 | 7 | 49 | LAP 45%; Construction 37% | 75% SE | 17.0 | 75% | 17% |
| Cuddalore | 14 | 5 | 37 | LAP 67% | 50:50 | 11.6 | 75% | 0% |
| Dindigul | 12 | 4 | 31 | LAP 71% | 75% SE | 12.6 | 75% | 17% |
| Mahbubnagar | 12 | 2 | 31 | LAP 84% | 86% SE | 10.2 | 43% | 8% |
| Pollachi | 9 | 6 | 26 | LAP 92% | 100% SE | 15.0 | 67% | 0% |
| Sangareddy | 14 | 1 | 26 | Construction 88% | 50:50 | 13.9 | 33% | 0% |
| Kurnool | 21 | 8 | 26 | LAP 51% | 50:50 | 11.2 | 50% | 5% |
| Nelamangala | 23 | 7 | 25 | Construction 57% | 67% SE | 13.6 | 17% | 4% |
| Dabaspete | 10 | 2 | 25 | Purchase 80% | 67% Salaried | 9.0 | 100% | 10% |
| Warangal | 22 | 7 | 24 | Construction 42%; Micro LAP 30% | 86% SE | 11.5 | 57% | 5% |
| Vijayawada | 10 | 3 | 23 | Construction 82% | 50:50 | 5.8 | 50% | 20% |
| Nagarbhavi | 7 | 3 | 21 | Purchase 64% | 50% SE | 10.7 | 50% | 29% |
| Guntur | 10 | 1 | 20 | LAP 79% | 67% SE | 11.7 | 33% | 0% |
| Bangalore | 3 | 1 | 16 | LAP 62% | 67% SE | 11.5 | 33% | 33% |
| Bhogadi | 8 | 2 | 15 | BT 82% | 100% SE | 10.9 | 100% | 0% |
| Kanchipuram | 8 | 2 | 14 | LAP 100% | 100% SE | 17.7 | 100% | 0% |
| Bangalore 2 | 11 | 1 | 14 | LAP 100% | 100% SE | 12.2 | 100% | 0% |
| Sira | 4 | 2 | 14 | LAP 75% | 67% SE | 10.9 | 67% | 25% |
| Bangalore 6 | 2 | 2 | 8 | LAP 100% | 100% SE | 13.2 | 100% | 0% |
| Karur | 9 | 5 | 5 | Top-up 100% | 100% SE | 18.1 | 0% | 0% |
| Dharmapuri | 10 | 0 | 0 | — | — | – | 0% | 0% |
| Bagepalli | 6 | 0 | 0 | — | — | 5.6 | 0% | 0% |
| Bhongir | 3 | 0 | 0 | — | — | 8.6 | 0% | 0% |