Credit pipeline — daily readSnapshot 2026-09-10 · 1772 live cases · ₹294.7 Cr

503
with credit
211 / 247 / 42
U1 / U2 / U3
85%
decisions y'day (140/165)
148 of 194
committed vs rule
27   128   263
owner actions
Red act now — commitment missed or aged stock Amber take a number — some aged stock or commitment short of rule Green moving — hidden by default Ask = next-day commitment: all of a queue under 5 · half of 5–14 · 30% of 15+
Definitions & how to use
Queues
U1 — branch credit manager (BCM)
DRM — business sign-off after U1
U2 — regional credit (RCM)
U3/U4 — zonal / Aniket
ADR before U1 — documents pending with sales
ADR after U1 — raised by credit/legal/technical, owned by the raiser
ADR after sanction — with DRM/DBM
Aged
U1 over 3 days · U2, U3 over 7 · ADR after U1 over 15 · ADR before U1 over 30

Red triggers (two of three)
Yesterday's decisions under 70% of commitment · 40%+ of the queue aged · today's commitment under a third of stock
Re-sanction
Already sanctioned once, back in queue for a fresh decision. Counted in stock and ask, tagged in the case list; ageing runs from the day it came back.

Dec. y'day = decisions done / committed on the Credit Call sheet
How to use
1. Pick a zone or region — every tab follows.
2. "Read for the day" opens at region level; click a region for its branches.
3. "Commitment asks" is one line per owner — copy to WhatsApp, collect confirmations.
4. Tomorrow's snapshot fills in movement: entered, moved, left.
Zone

What needs to happen today

One row per owner and queue, grouped zone → region. Red = commitment missed or aged stock, act now. Amber = take a number. Green rows are hidden by default. Ask follows the queue rule: all of a queue under 5, half of 5–14, 30% of 15+.

Next-day commitments to collect

One line per owner. Copy and send to the regional group; each owner confirms their number.

Zones

ZoneZonal (U3)U1U2U3/U4With DRMADR pre-U1Dec. y'dayAch.Commit todayRule askRedAmberGreen
WestJay L62138195511749/5884%5019144280
GujaratJay L18528755/683%762119
NorthNavender G476332023143/5578%391512884
SouthKrishna A8441182028743/4693%5226123780

Regions

Dec. y'day = done / committed on the Credit Call sheet. Commit today = BCMs' decision commitment for today. Rule ask = what the queue rule requires on U1.

ZoneRegionRCM (U2)U1U1 >3 dU2U2 >7 dU3DRMADR pre-U1ADR post-U1Dec. y'dayAch.CommitRuleRAG
WestWest MahaAmol D31380201415275715/14107%181081026
WestMMRRam S123910215364711/1765%11611131
WestMP / CGAjay Kumar9111213386811/1479%14541113
WestVidarbhaSachin Choudhary10181112161612/1392%751109
GujaratGujaratKeyur M183512875225/683%762118
NorthDelhi-NCRRavi Sharma18125109107215/1788%1461327
NorthRajasthanRavi Sharma12200569815/2075%86927
NorthUPDeepak D11173340910/1283%1361319
NorthPCHShubham S61031503/650%43310
SouthTamil NaduSafik3922654553816/1794%201251726
SouthKarnatakaSudheer K302978451520/20100%2193928
SouthTelanganaSudarshan R92533155/5100%55518
SouthAndhra PradeshH Bharateesha641515612/450%63467

Branches

Dot = worst RAG among the branch's queues. Spokes carry their parent branch's BCM; PD and decision numbers sit with the parent.

Ageing by queue

Cases in each queue by days since they entered it (login for U1, U1-done for DRM, last action for U2, U3 and ADR). Amber from 8 days, red from 31. Pan-India; the zone/region filter applies to the table below.

QueueToday1–3 d4–7 d8–15 d16–30 d31–90 d90+ dTotalTouched
today
Application done7321212
ADR pre-login102121363365113206676102
ADR post-login, pre-U1131215123413
U1 pending102968221211162
With DRM (after U1)70246310389
U2 pending16245712192247162
U3 / U4 pending4114241
ADR post-U13559232135783728835
Rejected, open1231
ADR after sanction1831189137615618

Average TAT and dwell by region

Login → U1 is measured on cases logged in the last 30 days that have a U1 decision (the one hop the LOS stamps). The other columns are current dwell — average days the cases sitting in that queue have been there — which becomes measured TAT once daily snapshots accumulate.

Movement

First snapshot on record. Entered / moved / left appears from tomorrow; "Touched today" below is the activity proxy for now.

Login cohorts — where each day's logins are now

Every case logged in on a date, and the queue it sits in today. Positions, not movements. Click a date for its regions; the zone/region filter applies.

Column definitions
U1 decided — cases with a U1 decision (now with DRM, at U2/U3, in ADR after U1, or sanctioned).
Login → U1 — average days to the U1 decision (measured).
Since U1, at DRM/U2 and at U3/U4 — days elapsed since U1 for cases sitting there now: waiting time, not a closed TAT (the LOS does not stamp U2/U3 decisions).
U1 → sanction — measured, for sanctioned cases.
Re-sanction — sanctioned once, back for a fresh decision; own row, age from re-entry.
Rejected (open) — only unclosed BU/U2 rejections; U1 rejections and cancellations are not in the six exports.
Total counts every logged-in case once; Not logged in reconciles to the full pipeline. Counts in brackets are the cases behind each average.

Cases