Scale business sustainably
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AUM Growth YoY / QoQ
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Disbursement Value (INR) Vs Plan
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Active Customer Base Growth (%)
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Market Share (%) in key geographies
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Ticket Size (Avg Loan Amount)
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Growth Mix – New vs Renewal loans
Profitability & P&L Management – deliver profitable growth with cost discipline
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Net Interest Margin (%)
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Yield on Gold Loan Portfolio (%)
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Cost to Income Ratio
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Operating Profit
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ROA / ROE
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Incremental Profit per branch
Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety
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GNPA / NNPA (%)
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SMA (0-30 / 31-90 days) levels
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Gold Loan LTV (%) adherence
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Auction Loss (%)
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Fraud Incidence (No / Value)
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Recover Rate (%) post delinquency
Branch Productivity – build and optimize a high performing branch network
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Number of new branches opened vs plan
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Break even time for new branches
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AUM per branch
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Disbursement per branch / per RM
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Low performing branch reduction (%)
Sales Effective & Customer Acquisition – drive frontline productivity and customer reach
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Disbursement per sales officers / BM
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Customer Acquisition cost
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Conversion ratio – lead to disbursement
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Repeat customer ratio
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Cross sell / Upsell Ratio
Compliance, Audit & Regulatory Adherence
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RBI / Internal Audit Observation
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Policy Deviation Cases
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Gold Purity Testing Compliance
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Documentation Accuracy
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Zero Tolerance Breach Incident
People Leadership & Capability Building
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Sales & branch Staff Attrition
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Critical Role Vacancy TAT
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Successor Readiness for key roles
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Training Coverage
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Productivity Improvement post training
