Portfolio Health · FY 2026-27

Good morning, Priya

Kolar Cluster is tracking above target on collections. Two groups need attention before this week's centre meetings.

Gross Loan Portfolio

₹18.4 Cr

+6.2% MoM

Collection Efficiency

98.6%

+0.9 pts

PAR > 30 days

1.8%

+0.3 pts

Active Members

4,218

+142 this month

Disbursement vs Collection

Last 6 weeks · ₹ lakh

Disbursed Collected

Portfolio by Product

₹18.4 Cr outstanding

JLG Income Generation50%

SHG Group Loans30%

Individual / Enterprise15%

Emergency / Top-up5%

Groups needing attention

Flagged by Portfolio AI

View all

TS Tamarind Self-Help Group JLG-0442 · Malur	2 overdue	₹4,800
KM Kamadhenu Mahila Sangha SHG-0311 · Bangarpet	Due today	₹12,000
SV Shakti Vikas Group JLG-0389 · Kolar	Renewal ready	₹60,000

Portfolio Intelligence

Daily briefing · 07:10 IST

Collections are on pace to close the week at 98.9%. Watch Malur route — early-delinquency risk rose after last week's crop-price dip. I've drafted a proactive contact list for 6 members.

Recommended: shift Field Officer Ravi K. to the Malur route Thursday and pre-approve 3 renewal applications flagged low-risk to free up ₹1.8L for redeployment.

Origination

Members

4,218 active members across 6 branches in the Kolar Cluster.

Member	Group	KYC	Active loan	Repayment	Status

Group Lending · Joint Liability

Shakti Vikas Group

JLG-0389 · Kolar branch · Formed Mar 2024 · Weekly centre meeting, Tuesdays 10:00.

Group Repayment Ring

Joint-liability health — each arc is one member's cycle

1 member behind

92%on track

Lakshmi Devi · LeaderPaid · ₹1,200

Saraswati B.Paid · ₹1,200

Gowramma T.Due · ₹1,200

Nagaveni R.Paid · ₹1,200

Ratnamma K.Paid early · ₹1,200

Group loan outstanding

₹1.42 L

of ₹3.00 L sanctioned

Group savings balance

₹38,400

across 5 members

On-time repayment (52 wk)

96.2%

Grade A group

Origination · Field

Member Onboarding

Capture member details and complete Aadhaar eKYC in the field. Works offline — syncs when back on network.

Basic details

2

eKYC verification

3

Group & product

4

Review & submit

eKYC verification

Verify identity via Aadhaar. Consent is captured and logged for compliance.

Aadhaar number

Mobile (linked)

Identity verified
Sunita Kumari · DOB 12-08-1991 · Kolar, Karnataka

Capture live photo

Match against Aadhaar record — 1 attempt remaining

Inclusion Assistant

Guiding this onboarding

This member is new to credit (no bureau history). That's expected for first-cycle borrowers — I'll build a thin-file profile from savings and group references.

Suggested first product: JLG Income-Generation loan, ₹25,000, 50-week tenure. Assign to an existing Grade-A group to strengthen joint-liability cover.

Origination

Loan Applications

28 applications in the pipeline. AI Credit Analyst has pre-scored all of them.

Pipeline

Sorted by AI risk grade

Applicant	Amount	AI grade	Stage
SK Sunita Kumari APP-7781 · JLG	₹25,000	A · Low	Credit review
MB Manjula B. APP-7780 · SHG	₹40,000	A · Low	Approved
RD Rekha Devi APP-7779 · JLG	₹60,000	B · Medium	Needs docs
PV Padma V. APP-7778 · Individual	₹90,000	C · High	Escalated

AI Credit Analyst

APP-7781 · Sunita Kumari

79SCORE

Group repayment94

Savings pattern82

Cash-flow (est.)71

Bureau / thin file55

Recommendation: Approve ₹25,000. Low default probability (4.1%) given strong Grade-A group cover and 11 months of consistent savings. Suggest 50-week tenure at standard rate.

Servicing · Field

Collections

Tuesday centre-meeting route · Ravi K. · 6 stops · ₹68,400 expected.

Expected today

₹68,400

Collected

₹52,800

Pending

₹15,600

Efficiency

77%

Today's route

Malur · updated 11:42

Map view

Tamarind SHG

09:30 ✓

₹12,000 collected · 5/5 members

Ganga JLG

10:10 ✓

₹9,600 collected · 4/4 members

Kamadhenu Mahila Sangha

11:00 · now

₹12,000 expected · collecting…

Shakti Vikas Group

11:45

₹6,000 expected · 1 member due

Navodaya JLG

12:20

₹18,000 expected

Kamadhenu Mahila Sangha

Recording · weekly instalment ₹2,400

Live

LD Lakshmi Devi	₹2,400	Paid
SB Saraswati B.	₹2,400	Paid
GT Gowramma T.	₹2,400
NR Nagaveni R.	₹2,400
RK Ratnamma K.	₹2,400	Paid

Collected this group

₹7,200 / ₹12,000

Servicing

Savings

Compulsory and voluntary savings across the cluster.

Total savings balance

₹2.14 Cr

+4.1% MoM

Deposits this week

₹6.8 L

1,204 txns

Voluntary savers

61%

+3 pts

Recent deposits

Field & digital

Member	Type	Channel	Balance	Amount
LD Lakshmi Devi	Compulsory	Field · cash	₹9,850	+₹200
MB Manjula B.	Voluntary	UPI	₹14,200	+₹1,000
RD Rekha Devi	Compulsory	Field · cash	₹7,400	+₹200
SB Saraswati B.	Voluntary	UPI	₹22,600	+₹500

Intelligence

AI Center

Five copilots working across inclusion, credit, collections, field ops and portfolio strategy.

Financial Inclusion Assistant

Thin-file scoring & guided onboarding for first-cycle borrowers.

Credit Analyst

Alternative-data risk grading and default-probability estimates.

Collections Assistant

Early-delinquency alerts and prioritised contact lists.

Field Operations Copilot

Route optimisation and daily field-officer planning.

Portfolio Intelligence

Cluster-level forecasting, PAR drivers and redeployment advice.

Add a copilot

Ask the platform

Natural-language access to your whole portfolio

Ask me anything about members, groups, collections or risk. I ground every answer in your live data and cite the records I used.

Operations · Mobile

Field Mobility

What the field officer sees on their phone — offline-first, sync-aware.

Tuesday · 11:42 · Malur route

Namaste, Ravi

Collected today

₹52,800

77% of ₹68,400 target

Kamadhenu Sangha

Current stop · 3/5 paid

Now

Gowramma T. overdue

₹2,400 · call before leaving

Skip Navodaya today — 2 members away for market day. Reschedule to Thursday?

1 onboarding pending sync

Sunita K. · will upload on network

Route Collect Enrol Me

Field officer status · today

Live from the Kolar Cluster

RK

Ravi K.

Malur route · 3 of 6 stops

SM

Suma M.

Bangarpet route · 5 of 5 stops

Done

AK

Anil K.

Kolar route · 1 of 4 · offline

Syncing

Field Ops Copilot

Route suggestions

Rebalance suggested. Anil K. is behind and offline in low-coverage Kolar. Move his last 2 stops to Suma M. (route complete) — saves ~40 min of travel and clears both routes before 14:00.

Operations

Branches

6 branches in the Kolar Cluster · ranked by collection efficiency.

Branch	Members	Portfolio	PAR >30	Collection eff.
KL Kolar BR-01	1,042	₹5.2 Cr	1.1%	99.1%
BP Bangarpet BR-02	896	₹4.1 Cr	1.4%	98.8%
ML Malur BR-03	742	₹3.0 Cr	3.2%	96.4%
MB Mulbagal BR-04	688	₹2.6 Cr	1.7%	98.2%
SD Srinivaspur BR-05	520	₹1.9 Cr	2.0%	97.6%
KG KGF BR-06	330	₹1.6 Cr	1.5%	98.9%