← Hub Loan Book (EMI / Microfinance) Disbursed loans, ageing, overdue, ROI
18,081 loans All DPD Standard (0) 1-30 DPD 31-60 DPD 61-90 DPD 90+ DPD
18,081
EMI + microfinance + personal
91.33Cr
Principal outstanding: ₹75.59 Cr
12,357
68.3% of book · ₹3.12 Cr
23.1%
Weighted across branches
Ageing distribution
Loans by DPD bucket
Across all branches
Risk pricing: ROI vs overdue
Each dot = one branch. If higher-rate branches also have higher overdue, that's adverse selection: riskier borrowers are charged more but default anyway.
Avg ROI vs overdue % by branch
Bubble size = loan count
55 branches: green = under 15% overdue, amber = 15-25%, red = over 25%
Overdue concentration
Top 10 branches by NPA loan count
Geography & purpose
By region
Total loan amount
By loan purpose
6 categories (normalized from 50+ variants)
Interest rate distribution
Loans by interest rate
Count per rate band
Branch-level details
Branch↓ Region Loans Disbursed (Cr) Outstanding (Cr) OD (Cr) OD % Avg ROI VENGALLOOR KERALA 2 ₹0.04 ₹0.02 ₹0.02 78.5% 14.0% UZHAVOOR Kottayam 8 ₹0.03 ₹0.03 ₹0.00 0.0% 22.6% THIRUVAMBADY KERALA 347 ₹4.27 ₹4.27 ₹0.00 0.0% 25.0% SOMASUNDARAPALAYA Banglore 64 ₹0.70 ₹0.68 ₹0.00 0.0% 20.9% RAMAMURTHY NAGAR Banglore 106 ₹0.97 ₹0.97 ₹0.00 0.0% 22.7% POONAMALLE TAMIL NADU 100 ₹1.39 ₹1.39 ₹0.00 0.0% 22.7% POOJAPURA KERALA 160 ₹2.06 ₹2.06 ₹0.00 0.0% 25.4% PONNURUNNI KERALA 236 ₹3.50 ₹3.37 ₹0.82 24.2% 23.9% PL-WADAKKANCHERY THRISSUR 139 ₹0.36 ₹0.33 ₹0.00 0.0% 24.5% PL-VANIYAMKULAM THRISSUR 492 ₹1.20 ₹1.07 ₹0.00 0.0% 23.9% PL-VALAPPAD THRISSUR 74 ₹0.19 ₹0.18 ₹0.00 0.0% 24.8% PL-THATHAMANGALAM THRISSUR 513 ₹1.48 ₹1.31 ₹0.00 0.0% 24.3% PL-RAMANATTUKARA KOZHIKODE 1,611 ₹5.21 ₹3.09 ₹0.08 2.6% 24.1% PL-PERAMBRA KOZHIKODE 1,302 ₹4.25 ₹2.12 ₹0.32 14.9% 24.4% PL-PAZHAYANNUR THRISSUR 298 ₹0.79 ₹0.70 ₹0.00 0.0% 24.3% PL-PALAKKAD THRISSUR 263 ₹0.80 ₹0.71 ₹0.00 0.0% 24.6% PL-KUTTIYADI KOZHIKODE 1,328 ₹3.78 ₹2.54 ₹0.05 1.9% 23.6% PL-KUNNAMKULAM THRISSUR 589 ₹1.52 ₹1.35 ₹0.00 0.0% 23.8% PL-KODUVALLY KOZHIKODE 954 ₹3.25 ₹1.67 ₹0.36 21.7% 24.1% PL-KODUNGALLUR THRISSUR 349 ₹0.99 ₹0.88 ₹0.00 0.0% 24.2%
