Reports Funnel diagnostic Pipeline hours Operations diagnostic Fix register

Fix register — which region, which step, which fix

One row per region and process step where the measured median exceeds the standard, ranked by files × days above standard. Measured from the LOS event log (1 Aug 2025 – 14 Sep 2026, real files), the loan dump (post-sanction loss) and the PDD/OTC report. A row closes when the measured value is at or under the standard for two consecutive monthly re-cuts. The Excel version carries the same rows with filters.

Filter:

83Region × step rows above standard

49Red — more than 1.5× the standard

34Amber — above standard

15Regions with at least one row

10Distinct process steps

1 The register

#	Zone	Region	Process step	Measured median	p90	Files	Standard	Best region	Files × excess days	Fix	Owner	Target
1	South	AP	Sanction → docket printed	19.7	61.56	785	5.0	TG 4.83	11,571	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Sabari Abhilash (business head, South)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
2	West 1	MMR	Post-sanction loss	34.5	—	1,454	25.0	TAMIL NADU 19.3	82	Commitment gate before the letter (₹82 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Kunar Solanki (business head, West 1)	Loss ≤ 25% by December
3	West 1	WEST MAHA	Biz UW → U2	8.5	33.82	1,234	2.0	AP 1.06	8,058	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Jay Limbad (zonal credit, West 1) + CRO	Biz UW → U2 ≤ 2 d
4	North	DNCR	Post-sanction loss	42.2	—	1,292	25.0	TAMIL NADU 19.3	71	Commitment gate before the letter (₹71 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Aseem Bajpai (business head, North)	Loss ≤ 25% by December
5	West 1	WEST MAHA	Sanction → docket printed	13.8	48.05	766	5.0	TG 4.83	6,771	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 1)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
6	West 1	WEST MAHA	Post-sanction loss	33.4	—	1,193	25.0	TAMIL NADU 19.3	56	Commitment gate before the letter (₹56 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Kunar Solanki (business head, West 1)	Loss ≤ 25% by December
7	West 2	GUJARAT	Post-sanction loss	36.9	—	1,286	25.0	TAMIL NADU 19.3	52	Commitment gate before the letter (₹52 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Kunar Solanki (business head, West 2)	Loss ≤ 25% by December
8	North	RAJASTHAN	Post-sanction loss	39.4	—	1,343	25.0	TAMIL NADU 19.3	52	Commitment gate before the letter (₹52 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Aseem Bajpai (business head, North)	Loss ≤ 25% by December
9	South	AP	Post-sanction loss	63.3	—	2,043	25.0	TAMIL NADU 19.3	51	Commitment gate before the letter (₹51 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Sabari Abhilash (business head, South)	Loss ≤ 25% by December
10	West 2	GUJARAT	Disb auth → OTC done	8.3	34.2	702	1.0	WEST MAHA 0.05	5,132	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
11	North	DNCR	Biz UW → U2	6.2	22.15	1,187	2.0	AP 1.06	4,962	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Navender Gahlawat (zonal credit, North) + CRO	Biz UW → U2 ≤ 2 d
12	West 1	VIDARBHA	Biz UW → U2	6.7	31.08	945	2.0	AP 1.06	4,460	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Jay Limbad (zonal credit, West 1) + CRO	Biz UW → U2 ≤ 2 d
13	South	TAMIL NADU	Biz UW → U2	6.2	21.04	1,057	2.0	AP 1.06	4,397	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Krishna A (zonal credit, South) + CRO	Biz UW → U2 ≤ 2 d
14	South	AP	QC → U1	4.0	19.77	1,982	2.0	RAJASTHAN 1.27	3,984	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Krishna A (zonal credit, South)	QC → U1 ≤ 1 d
15	South	KARNATAKA	QC → U1	3.9	15.15	1,873	2.0	RAJASTHAN 1.27	3,484	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Krishna A (zonal credit, South)	QC → U1 ≤ 1 d
16	West 1	VIDARBHA	Post-sanction loss	33.8	—	1,038	25.0	TAMIL NADU 19.3	35	Commitment gate before the letter (₹35 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Kunar Solanki (business head, West 1)	Loss ≤ 25% by December
17	West 1	VIDARBHA	Sanction → docket printed	11.1	42.93	573	5.0	TG 4.83	3,472	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 1)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
18	South	KARNATAKA	ADR entries	3.0	8.8	3,223	2.0	AP 2.0	3,223	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
19	North	UP	Post-sanction loss	35.6	—	776	25.0	TAMIL NADU 19.3	31	Commitment gate before the letter (₹31 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Aseem Bajpai (business head, North)	Loss ≤ 25% by December
20	South	TAMIL NADU	QC → U1	4.1	16.93	1,488	2.0	RAJASTHAN 1.27	3,095	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Krishna A (zonal credit, South)	QC → U1 ≤ 1 d
21	West 2	GUJARAT	U1 → Biz UW	3.1	18.88	1,376	1.0	TG 0.21	2,958	Make Biz UW non-blocking (notification, not gate); U1 rejection final	CRO	Step removed
22	North	RAJASTHAN	ADR entries	3.0	11.0	2,866	2.0	AP 2.0	2,866	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
23	West 1	MP	Biz UW → U2	5.0	20.07	942	2.0	AP 1.06	2,835	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Jay Limbad (zonal credit, West 1) + CRO	Biz UW → U2 ≤ 2 d
24	West 2	GUJARAT	ADR entries	3.0	10.0	2,770	2.0	AP 2.0	2,770	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
25	North	UP	Biz UW → U2	6.1	20.98	678	2.0	AP 1.06	2,766	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Navender Gahlawat (zonal credit, North) + CRO	Biz UW → U2 ≤ 2 d
26	North	DNCR	ADR entries	3.0	8.0	2,653	2.0	AP 2.0	2,653	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
27	South	KARNATAKA	Biz UW → U2	3.7	13.8	1,482	2.0	AP 1.06	2,519	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Krishna A (zonal credit, South) + CRO	Biz UW → U2 ≤ 2 d
28	West 1	MMR	Sanction → docket printed	7.9	42.52	845	5.0	TG 4.83	2,484	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 1)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
29	West 2	GUJARAT	Sanction → docket printed	8.2	27.11	768	5.0	TG 4.83	2,435	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 2)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
30	West 1	WEST MAHA	ADR entries	3.0	8.0	2,360	2.0	AP 2.0	2,360	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
31	South	TAMIL NADU	ADR entries	3.0	8.0	2,232	2.0	AP 2.0	2,232	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
32	West 1	WEST MAHA	QC → U1	3.2	15.14	1,820	2.0	RAJASTHAN 1.27	2,166	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 1)	QC → U1 ≤ 1 d
33	South	TG	QC → U1	4.8	19.23	775	2.0	RAJASTHAN 1.27	2,154	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Krishna A (zonal credit, South)	QC → U1 ≤ 1 d
34	West 1	VIDARBHA	QC → U1	3.7	13.89	1,264	2.0	RAJASTHAN 1.27	2,136	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 1)	QC → U1 ≤ 1 d
35	West 1	MP	Sanction → docket printed	8.1	34.13	679	5.0	TG 4.83	2,085	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 1)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
36	North	DNCR	Sanction → docket printed	7.7	32.07	696	5.0	TG 4.83	1,893	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Aseem Bajpai (business head, North)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
37	West 1	MP	QC → U1	3.4	12.95	1,286	2.0	RAJASTHAN 1.27	1,839	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 1)	QC → U1 ≤ 1 d
38	North	DNCR	Disb auth → OTC done	3.6	21.65	643	1.0	WEST MAHA 0.05	1,672	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
39	South	TG	Biz UW → U2	4.7	13.25	567	2.0	AP 1.06	1,554	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Krishna A (zonal credit, South) + CRO	Biz UW → U2 ≤ 2 d
40	West 1	WEST MAHA / MMR / VIDARBHA	PDD items open > 90 days	57.6	197.0	1,323	20.0	TAMIL NADU 5.2	763	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, West 1 (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
41	West 1	MP	ADR entries	3.0	10.0	1,489	2.0	AP 2.0	1,489	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
42	South	TG	ADR entries	3.0	9.0	1,402	2.0	AP 2.0	1,402	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
43	North	DNCR	QC → U1	2.8	12.07	1,707	2.0	RAJASTHAN 1.27	1,383	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Navender Gahlawat (zonal credit, North)	QC → U1 ≤ 1 d
44	West 1	MMR	Biz UW → U2	3.1	27.08	1,262	2.0	AP 1.06	1,350	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Jay Limbad (zonal credit, West 1) + CRO	Biz UW → U2 ≤ 2 d
45	North	UP	QC → U1	3.2	13.03	1,030	2.0	RAJASTHAN 1.27	1,267	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Navender Gahlawat (zonal credit, North)	QC → U1 ≤ 1 d
46	North	RAJASTHAN	U1 → Biz UW	1.8	12.76	1,488	1.0	TG 0.21	1,176	Make Biz UW non-blocking (notification, not gate); U1 rejection final	CRO	Step removed
47	West 1	CG	Sanction → docket printed	13.4	43.15	128	5.0	TG 4.83	1,074	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Kunar Solanki (business head, West 1)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
48	North	RAJASTHAN	Biz UW → U2	2.9	13.11	1,186	2.0	AP 1.06	1,067	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Navender Gahlawat (zonal credit, North) + CRO	Biz UW → U2 ≤ 2 d
49	South	KARNATAKA	Sanction → docket printed	5.8	37.06	1,090	5.0	TG 4.83	926	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Sabari Abhilash (business head, South)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
50	North	RAJASTHAN	Sanction → docket printed	6.2	31.07	741	5.0	TG 4.83	904	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Aseem Bajpai (business head, North)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
51	West 1	MP	ADR days	2.6	20.81	1,449	2.0	TAMIL NADU 1.06	826	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Kunar Solanki (business head, West 1)	≤ 1 ADR-day per loan
52	South	AP	PDD items open > 90 days	93.9	219.0	424	20.0	TAMIL NADU 5.2	398	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, South (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
53	West 1	CG	Disb auth → OTC done	8.0	25.2	114	1.0	WEST MAHA 0.05	792	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
54	West 2	GUJARAT	Login → QC	0.8	5.02	2,724	0.5	UP 0.06	763	Merge QC into the login action; one desk pass, one timestamp	Login desk lead (COO)	Login → QC same day
55	West 1	CG	Biz UW → U2	5.2	19.0	210	2.0	AP 1.06	678	48-hour U2 SLA with auto-escalation; all Salaried Cheque/Cash files to central CPU for U1 and U2; add U2 capacity where the queue exceeds the day	Jay Limbad (zonal credit, West 1) + CRO	Biz UW → U2 ≤ 2 d
56	South	KARNATAKA	Login → QC	0.7	4.08	3,139	0.5	UP 0.06	659	Merge QC into the login action; one desk pass, one timestamp	Login desk lead (COO)	Login → QC same day
57	West 1	VIDARBHA	Disb auth → OTC done	2.2	14.99	554	1.0	WEST MAHA 0.05	643	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
58	West 1	CG	Post-sanction loss	33.1	—	245	25.0	TAMIL NADU 19.3	6	Commitment gate before the letter (₹6 Cr of sanctioned value lost in this region); weekly named-file call; RM-level sanction → docket on the SUD dashboard	Kunar Solanki (business head, West 1)	Loss ≤ 25% by December
59	South	TAMIL NADU	Login → QC	0.7	4.71	2,221	0.5	UP 0.06	533	Merge QC into the login action; one desk pass, one timestamp	Login desk lead (COO)	Login → QC same day
60	North	RAJASTHAN	Disb auth → OTC done	1.7	9.52	713	1.0	WEST MAHA 0.05	520	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
61	South	TG	ADR days	2.4	15.75	1,376	2.0	TAMIL NADU 1.06	509	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Sabari Abhilash (business head, South)	≤ 1 ADR-day per loan
62	South	KARNATAKA	PDD items open > 90 days	63.2	173.0	401	20.0	TAMIL NADU 5.2	253	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, South (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
63	North	UP	Disb auth → OTC done	2.1	14.14	432	1.0	WEST MAHA 0.05	480	Print-on-OTC: cheque prints when the OTC checklist is complete; OTC due date set at docket; branch ops 1-day OTC SLA	Zonal ops head (COO)	Disb auth → OTC ≤ 1 d
64	South	TG	Login → QC	0.8	7.33	1,323	0.5	UP 0.06	463	Merge QC into the login action; one desk pass, one timestamp	Login desk lead (COO)	Login → QC same day
65	West 1	CG	PDD items open > 90 days	85.9	561.0	269	20.0	TAMIL NADU 5.2	231	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, West 1 (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
66	West 1	CG	ADR entries	3.0	9.0	396	2.0	AP 2.0	396	Login checklist enforced in the app before submit (eight document types); one consolidated query per stage; approvals out of the ADR ledger	Login desk lead + CTO	≤ 1.5 entries per loan
67	West 1	MP	PDD items open > 90 days	52.8	167.0	336	20.0	TAMIL NADU 5.2	177	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, West 1 (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
68	West 1	WEST MAHA	U1 → Biz UW	1.2	11.15	1,699	1.0	TG 0.21	340	Make Biz UW non-blocking (notification, not gate); U1 rejection final	CRO	Step removed
69	North	UP	PDD items open > 90 days	52.1	220.0	288	20.0	TAMIL NADU 5.2	150	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, North (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
70	West 1	CG	ADR days	2.7	21.47	393	2.0	TAMIL NADU 1.06	279	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Kunar Solanki (business head, West 1)	≤ 1 ADR-day per loan
71	West 1	MMR	QC → U1	2.1	10.12	1,939	2.0	RAJASTHAN 1.27	213	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 1)	QC → U1 ≤ 1 d
72	North	DNCR	ADR days	2.1	14.91	2,602	2.0	TAMIL NADU 1.06	208	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Aseem Bajpai (business head, North)	≤ 1 ADR-day per loan
73	West 2	GUJARAT	QC → U1	2.1	9.97	1,637	2.0	RAJASTHAN 1.27	196	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 2)	QC → U1 ≤ 1 d
74	North	DNCR	PDD items open > 90 days	64.9	338.0	133	20.0	TAMIL NADU 5.2	86	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, North (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
75	North	RAJASTHAN	ADR days	2.1	13.47	2,822	2.0	TAMIL NADU 1.06	169	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Aseem Bajpai (business head, North)	≤ 1 ADR-day per loan
76	South	TAMIL NADU	Sanction → docket printed	5.2	21.92	755	5.0	TG 4.83	166	No sanction letter without commitment (fee / e-Sign / Accept-offer); weekly named-file call on sanctions > 15 d; sanction → docket by RM on the SUD dashboard	Sabari Abhilash (business head, South)	Sanction → docket ≤ 5 d; post-sanction loss ≤ 25%
77	West 2	GUJARAT	PDD items open > 90 days	33.0	187.0	223	20.0	TAMIL NADU 5.2	74	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, West 2 (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
78	South	TAMIL NADU	U1 → Biz UW	1.1	8.05	1,362	1.0	TG 0.21	123	Make Biz UW non-blocking (notification, not gate); U1 rejection final	CRO	Step removed
79	West 2	GUJARAT	ADR days	2.0	19.11	2,715	2.0	TAMIL NADU 1.06	109	ADR standing time on the raiser's clock; RM response due within one working day; due date on every ADR	Kunar Solanki (business head, West 2)	≤ 1 ADR-day per loan
80	West 1	CG	QC → U1	2.4	11.89	281	2.0	RAJASTHAN 1.27	104	U1 next-morning clear: everything logged by 20:00 decided by noon; BCM queue ownership on the daily read	Jay Limbad (zonal credit, West 1)	QC → U1 ≤ 1 d
81	North	DNCR (Haryana)	PDD items open > 90 days	84.8	348.0	43	20.0	TAMIL NADU 5.2	36	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, North (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days
82	West 1	CG	Login → QC	0.7	4.01	437	0.5	UP 0.06	66	Merge QC into the login action; one desk pass, one timestamp	Login desk lead (COO)	Login → QC same day
83	South	TG	PDD items open > 90 days	25.7	74.0	55	20.0	TAMIL NADU 5.2	14	Weekly PDD ageing by TOM; registered MODT and EC items first; due date per item; branch cannot originate PDD-heavy cases above 50% overdue	Zonal ops head, South (COO) — TOMs named in the PDD report	Items > 90 d ≤ 25% by December; MODT/EC to zero in 60 days

Days for process steps; percentages for post-sanction loss and PDD. "Best region" is the region with the lowest median on the same step in the same period — the proof that the standard is achievable under the same system. Owners are the zonal heads for credit and business steps and the zonal ops head for ops steps; the register is meant to be re-cut monthly from the same exports, with each owner's rows on the Monday call.

2 Outcome measures — composites, not actions

Zone	Region	Outcome	Measured median	p90	Files	Standard	Best region
West 1	WEST MAHA	Login → sanction	20.9	56.05	1,210	8.0	AP 10.97
South	TAMIL NADU	Login → sanction	17.3	42.28	1,034	8.0	AP 10.97
South	AP	Sanction → disbursed	22.2	63.15	764	10.0	TG 6.01
South	KARNATAKA	Login → sanction	14.0	38.23	1,419	8.0	AP 10.97
West 1	VIDARBHA	Login → sanction	16.8	52.02	897	8.0	AP 10.97
North	DNCR	Login → sanction	14.1	39.25	1,171	8.0	AP 10.97
West 2	GUJARAT	Login → sanction	14.3	36.31	1,128	8.0	AP 10.97
West 2	GUJARAT	Sanction → disbursed	19.7	57.51	703	10.0	TG 6.01
South	AP	Login → sanction	11.0	26.76	2,077	8.0	AP 10.97
West 1	MP	Login → sanction	14.0	39.92	925	8.0	AP 10.97
West 1	MMR	Login → sanction	11.9	42.72	1,252	8.0	AP 10.97
West 1	WEST MAHA	Sanction → disbursed	16.2	53.31	742	10.0	TG 6.01
North	DNCR	Sanction → disbursed	17.1	51.85	628	10.0	TG 6.01
North	RAJASTHAN	Login → sanction	11.8	32.57	1,165	8.0	AP 10.97
South	TG	Login → sanction	15.5	36.93	562	8.0	AP 10.97
West 1	VIDARBHA	Sanction → disbursed	17.4	51.23	554	10.0	TG 6.01
North	UP	Login → sanction	14.0	39.99	665	8.0	AP 10.97
West 1	CG	Sanction → disbursed	23.2	68.69	112	10.0	TG 6.01
West 1	MP	Sanction → disbursed	12.2	43.03	651	10.0	TG 6.01
West 1	CG	Login → sanction	11.8	31.94	210	8.0	AP 10.97
North	RAJASTHAN	Sanction → disbursed	10.8	37.92	710	10.0	TG 6.01
North	UP	Sanction → disbursed	10.8	38.22	423	10.0	TG 6.01

3 The standing measure — cohort conversion within equal windows

Of loans logged in April–July 2026, the share sanctioned within 30 days and disbursed within 30 and 60 days of login. Every file gets the same window, so a fix shows as a rise in its region's line the month after it lands. Green ≥35 / 17 / 28%, amber ≥30 / 10 / 20%.

Region	Logins	Sanctioned ≤ 30 d	Disbursed ≤ 30 d	Disbursed ≤ 60 d
AP	338	37%	25%	35%
TAMIL NADU	704	36%	17%	31%
TG	422	33%	20%	30%
KARNATAKA	978	35%	18%	29%
MP	614	36%	16%	28%
MMR	881	30%	16%	22%
WEST MAHA	766	31%	8%	21%
RAJASTHAN	795	30%	12%	20%
GUJARAT	735	35%	8%	20%
VIDARBHA	451	31%	9%	19%
UP	557	26%	10%	18%
DNCR	841	31%	8%	17%
CG	136	35%	4%	14%

AP sanctions and disburses fastest within the window and loses the most after sanction overall — the two are consistent: the letter is issued quickly and often to a customer who has not committed. West Maha, DNCR and Gujarat sanction at the company average but disburse within 30 days at half the rate of the South: their rows in the register are docket and OTC steps, not credit.