Executive Dashboard
C-suite overview: every top portfolio, funnel and risk KPI at a glance, with the month-on-month deltas that matter.
AUMGNPAFunnelExposure
GRAVISIGHTS · PORTFOLIO INTELLIGENCE
Every number on the book. And the file behind it.
Gravisights is the analytics layer of Graviton: nine dashboards on the same ledger your origination, servicing and collections write to. Leadership, credit, collections and finance each get their desk. Every figure refreshes with the last sync and drills down to a single loan.
9 dashboards, one per desk
200+ report formats
Live on every sync
Drill from any number to the file
01 — THE CONSOLE
Four desks. One book.
The boards your CXO, CRO, credit and collections heads open on Monday — switch desks to see what each one gets. Demo book, live layout.
insights.graviton.in — demo book
FILTERGeographical state: All ▾Product name: All ▾Branch name: All ▾
● LIVE · SAVED CUT: "MONDAY REVIEW"
Executive dashboard
C-suite overview — every top portfolio, funnel and risk KPI at a glance.
Last 30 days ▾Grain: Auto · Week ▾Compare: none ▾
● LIVE BOOK HEALTH · LATEST SYNC — DATE RANGE AND FILTERS DO NOT APPLY HEREDATA AS ON: 08 SEPT 2026
TOTAL AUM
₹412.4 Cr
↑ 0.8% vs Aug 2026
ACTIVE LOANS
38,412
↑ 0.2% vs Aug 2026
GNPA %
1.82%
of AUM · 90+ DPD
COLLECTION EFF.
96.4%
of demand · last full month
DISBURSEMENT (₹)
₹58.0 Cr
this month · 604 files
AVG IRR (BOOK)
19.6%
weighted by POS
Origination funnel (count)LOGIN → SANCTIONED → DISBURSED · LAST 30 DAYS
Login₹148 Cr asked · 402 awaiting docs
Sanctioned₹71 Cr · 96 awaiting disbursal
Rejected · 31825.6% of the cohort
Disbursed₹58.0 Cr
Leakage reasons (rejected)SHARE OF REJECTIONS
Bureau / CIBIL issue31%
Credit / management discretion22%
Customer not interested19%
Property / legal / technical14%
Application aged / TAT exceeded8%
Other6%
Portfolio mix (AUM)LIVEBY PRODUCT · LATEST SNAPSHOT
CVL41%₹169.1 Cr
LAP27%₹111.3 Cr
Gold12%₹49.5 Cr
Personal9%₹37.1 Cr
Business7%₹28.9 Cr
Other4%₹16.5 Cr
Exposure concentrationLIVETOP 5 BRANCHES VS THE REST · POS + FUTURE INTEREST
Jaipur — Mansarovar8%₹33.0 Cr
Indore — Vijay Nagar6%₹24.7 Cr
Ahmedabad — 15%₹20.6 Cr
Udaipur5%₹20.2 Cr
Kota4%₹16.5 Cr
Others (37)72%₹297.4 Cr
Disbursement momentum (₹ Cr)AMOUNT DISBURSED · LAST 6 MONTHS
604 filesthis month · ₹9.6 L average ticket
4.2 dayslogin to disbursal, median TAT
↑ 43.9% YoYvs Sep 2025 · ₹40.3 Cr
₹302.9 Cr YTDApr–Sep · 54% of the FY27 plan
Branch league (this month)DISBURSED VS TARGET · TOP 5 OF 42
Jaipur — Mansarovar₹6.4 Cr110%
Indore — Vijay Nagar₹5.1 Cr98%
Ahmedabad — 1₹4.6 Cr104%
Udaipur₹3.9 Cr87%
Kota₹3.2 Cr91%
Network · ₹58.0 Cr against a ₹56.5 Cr target (103%). Click a branch for its files.
Portfolio health & delinquency
Where the book sits today, which segments carry the risk, and what needs attention.
Last 30 days ▾Grain: Auto · Week ▾Compare: none ▾
● LIVE BOOK HEALTH · LATEST SYNC — DATE RANGE AND FILTERS DO NOT APPLY HEREDATA AS ON: 08 SEPT 2026
TOTAL AUM
₹412.4 Cr
principal outstanding · ↑ 0.8% vs Aug 2026
COLLECTION EFF.
96.4%
of demand · last full month
PAR 30+
2.31%
of loans, 30+ DPD
GNPA
1.82%
of AUM, 90+ DPD
AVERAGE DPD
3.4 d
across the active book
OVERDUE
₹6.9 Cr
principal + interest past due
ACTIVE LOANS
38,412
live accounts
ON SCHEDULE
91.2%
of loans at 0 DPD
Portfolio movementLIVEHOW EVERY ACTIVE LOAN MOVED FROM ITS PRIOR OVERDUE POSITION · THE FOUR SHARES SUM TO 100%
✓ CURED / RESOLVED
6.1%
₹25.1 Cr · 2,343 cases
↻ STABLE
81.4%
₹335.7 Cr · 31,267 cases
↗ ROLL FORWARD
11.2%
₹46.2 Cr · 4,302 cases
↘ ROLL BACKWARD
1.3%
₹5.4 Cr · 500 cases
SMA classificationLIVEFIVE EXCLUSIVE DPD BUCKETS AS A SHARE OF AUM
84.2%9.1%
Standard (0 DPD)₹347.2 Cr(84.2%)
SMA 0 (1–30 DPD)₹37.5 Cr(9.1%)
SMA 1 (31–60 DPD)₹13.2 Cr(3.2%)
SMA 2 (61–90 DPD)₹7.0 Cr(1.7%)
NPA 90+ (90+ DPD)₹7.5 Cr(1.8%)
PAR aging — how deep it runsLIVECASES BY DPD BAND
Current91%
1 – 154.2%
16 – 301.9%
31 – 450.9%
46 – 600.6%
61 – 900.5%
90+1.8%
Slippage vs upgrades (₹ Cr)FRESH NPA ADDITIONS VS ACCOUNTS UPGRADED · LAST 6 MONTHS
₹1.2 Cr slippedSep · 96 accounts crossed 90 DPD
₹1.7 Cr upgradedSep · 131 accounts back under 90
Net −₹0.5 Crthird straight month of net upgrades
PAR 30+ by productLIVESHARE OF EACH BOOK PAST 30 DPD
LAP3.8%₹111.3 Cr
Business3.4%₹28.9 Cr
Personal2.9%₹37.1 Cr
CVL1.7%₹169.1 Cr
Other0.7%₹16.5 Cr
Gold0.5%₹49.5 Cr
Book · 2.31%. LAP carries 45% of all 30+ cases on 27% of AUM.
Repayment health
Counts and amounts by DPD band, the twelve-month book trend, and how each vintage is seasoning.
Last 30 days ▾Grain: Auto · Week ▾Compare: none ▾
● LIVE BOOK HEALTH · LATEST SYNC — DATE RANGE AND FILTERS DO NOT APPLY HEREDATA AS ON: 08 SEPT 2026
ON SCHEDULE
35,019
91.2% of loans · ₹376.1 Cr
PAR 30+
887
2.3% · ₹9.5 Cr
PAR 60+
412
1.1% · ₹4.6 Cr
PAR 90+
296
0.8% · ₹7.5 Cr
GNPA %
1.82%
GNPA amount ₹7.5 Cr
Trends (last 12 months)AUMDisbursement (₹)Collection eff.
Vintage performance (DPD buckets)LIVESHARE OF EACH VINTAGE'S OUTSTANDING BY DPD BAND · NEWER VINTAGES READ CLEANER BECAUSE THEY ARE LESS SEASONED
VINTAGEON SCH.1–3031–6061–9090+
Feb-2693%4.1%1.6%0.8%0.5%Mar-2693%4.3%1.4%0.7%0.6%Apr-2694%4.0%1.2%0.5%0.3%May-2695%3.8%0.9%0.2%0.1%Jun-2696%3.4%0.5%0.1%0.0%Jul-2697%2.7%0.3%0.0%0.0%Aug-2698%1.9%0.1%0.0%0.0%Sep-2699%1.0%0.0%0.0%0.0%
Whole book84.2%9.1%3.2%1.7%1.8%
Read across a row for how one vintage's outstanding sits today; read down a column to compare disbursal months on the same bucket. The whole-book row also carries vintages older than Feb-26, which is why it reads worse.
Where the risk is concentrated
Heatmaps by product, branch, state or group; vintage curves; roll rates; the worst of the book, ranked.
Last 30 days ▾Grain: Auto · Week ▾Compare: none ▾
● LIVE BOOK HEALTH · LATEST SYNC — DATE RANGE AND FILTERS DO NOT APPLY HEREDATA AS ON: 08 SEPT 2026
Risk heatmapLIVEProductBranchStateGroup
PAR 30+ is a share of loans, GNPA a share of AUM — the two answer different questions.
PRODUCTPAR 30+GNPAOVERDUEAUM
Portfolio2.31%1.82%₹6.9 Cr₹412.4 Cr
LAP — Rajasthan4.60%3.10%₹5.1 Cr₹111.3 CrCVL2.40%1.70%₹4.1 Cr₹169.1 CrBusiness3.30%2.20%₹0.9 Cr₹28.9 CrPersonal2.90%1.90%₹1.1 Cr₹37.1 CrLAP — MP1.80%1.10%₹0.8 Cr₹42.0 CrGold0.60%0.20%₹0.3 Cr₹49.5 CrStaff loan0.40%0.00%₹0.0 Cr₹1.2 Cr
Darker cell = worse than the portfolio figure above. Click any cell to open the loans behind it.
Vintage risk curveLIVEBY DISBURSAL MONTH · 12-MONTH WINDOW
Roll rate matrixLIVEWHERE EACH BUCKET MOVED THIS PERIOD · THE DIAGONAL STAYED PUT, RIGHT OF IT IS DETERIORATION
FROM \ TOSTD1–3031–6061–9090+
Standard (0)93.1%6.4%———SMA 0 (1–30)24.2%61.5%14.3%——SMA 1 (31–60)2.1%7.8%44.6%45.5%—SMA 2 (61–90)0.4%1.2%3.6%33.9%60.9%NPA 90+0.2%0.3%0.5%1.4%97.6%
Each row sums to 100%. The diagonal stayed put; right of it is deterioration, left is recovery.
Worst branchesLIVEBY PAR 30+ %
Jaipur — Mansarovar9.8%₹1.9 Cr
Ratlam7.2%₹0.6 Cr
Mandsaur6.1%₹0.5 Cr
Bhilwara5.4%₹0.4 Cr
Kota — 24.9%₹0.3 Cr
Ranked by PAR 30+ share of loans; the amount is what is overdue. Click a branch to open its cases.
Worst productsLIVEBY GNPA %
LAP — Rajasthan3.1%₹5.1 Cr
Business2.2%₹0.9 Cr
Personal1.9%₹1.1 Cr
CVL1.7%₹4.1 Cr
LAP — MP1.1%₹0.8 Cr
Ranked by GNPA share of AUM; the amount is what is overdue. Click a product to open its NPA files.
Every figure on this board opens the loans behind it — click a cell, get the files.
EXPORT · SCHEDULE AS PACK · SHARE
NO SQL · NO TICKETS
Your teams cut this themselves
02 — THE DASHBOARDS
Nine dashboards, one ledger.
Each desk gets the questions it actually asks, on the same live data model as LOS, LMS, Gravicollect and Accounting.Business Funnel & Pipeline
Login to disbursal by channel, branch and product — where files stall, how long they wait, and why they leak.
ConversionTATLeakage
Credit & Underwriting
Approval rates, deviations and bureau bands, with the policy call behind each decision.
Approval rateDeviationsBureau bands
Disbursement Dashboard
Disbursal volume, ticket sizes and tranche status by product and geography.
VolumeTicket sizeTranches
Portfolio Health & Delinquency
Where the book sits today, which segments carry the risk, and what needs attention this week.
PARSMARoll ratesVintages
Collections Dashboard
Demand against collection by bucket, channel and collector; promise-to-pay outcomes.
EfficiencyBucketsPTP
Geo & Branch Analytics
State, region and branch league tables, drilling to the officer.
League tablesExposureGrowth
Productivity Dashboard
Files, visits and collections per officer, branch and channel.
Per officerPer branchTAT
Collateral & Property
Valuation coverage, LTV drift and property concentration across the secured book.
LTVValuationsConcentration
Dashboards are enabled per role — locked desks stay visible in the sidebar, so every team knows what the book can tell it.
ROLE-BASED · INSIGHTS + REPORTS
03 — DRILL-DOWN
From a KPI to the file in three clicks.
Every aggregate is a live query on the ledger, so it opens into the accounts behind it — no export, no reconciliation, no analyst in the loop.
PORTFOLIO · CLICK 1
PAR 30+
2.31%
887 loans · ₹9.5 Cr
PRODUCT · CLICK 2
LAP — Rajasthan
4.6%
312 loans · ₹5.1 Cr
BRANCH · CLICK 3
Jaipur — Mansarovar
9.8%
41 loans · ₹1.9 Cr
FILE
LA-88412
DPD 12
₹6,200 due · S. Kumar · PTP 4 pm
Open in LMS ›
Same numbers as the ledger
The file you open is the file the officer sees in LMS — one data model, so a board never disagrees with a statement of account.
Filters travel with you
The state, product and branch cut you set at the top holds all the way down to the loan list.
Export the list, not a screenshot
Every drilled set exports with its columns, or schedules itself as a pack to the people who act on it.
04 — WHY THE NUMBERS HOLD
Reads the ledger. Never a warehouse.
Gravisights runs on the live data model the rest of Graviton writes to, so a figure here matches the ledger, the statement of account and the regulator's return.Live, not batch
Every board carries its latest-sync stamp. Date range, grain and comparison sit on top of live data, never on a nightly extract.
SYNC · GRAIN · COMPARE
Cuts you keep
Filter by state, product and branch; save the cut; pin it as the Monday view. No SQL, no vendor ticket.
SAVED CUTS · PINNED VIEWS
Reports and returns
200+ formats including RBI returns, scheduled to inboxes as packs, and exports to your warehouse or BI tool.
200+ FORMATS · RBI · EXPORTS
Access by role
Desks enabled per role, every view logged, data resident in India — the same controls as the rest of the suite.
ROLE-BASED · AUDIT · INDIA
Reads the same live data model as LOS, LMS, Gravicollect and Accounting — no batch extracts, no reconciliation.
See the full suite →
FAQ
Gravisights, in practice.
The analytics layer of the Graviton suite: nine dashboards — executive, funnel and pipeline, credit and underwriting, disbursement, portfolio health and delinquency, collections, geo and branch, productivity, collateral and property — plus scheduled report packs, all over the live lending book, with drill-down from any number to the underlying file.
Every board carries its latest-sync stamp. Gravisights reads the live data model the rest of Graviton writes to, so figures move with the ledger rather than with a nightly extract. Date range, grain and comparison are applied on top.
No. Gravisights reads the same live data model that runs Graviton LOS, LMS, Gravicollect and Accounting — no batch extracts, no reconciliation. Your existing BI tools and warehouse can also connect through APIs and scheduled exports.
200+ formats: portfolio and PAR reports, SMA and NPA classification, collection efficiency, vintage and roll-rate analysis, branch and channel performance, and regulatory formats aligned to RBI returns — each exportable and schedulable.
Yes. Dashboards are self-serve: filter by state, product, branch, bucket or officer, save cuts, pin them, and schedule them as report packs to email — no SQL, no vendor tickets. Desks are enabled per role.
See your book in Gravisights.
Thirty minutes with a product specialist — vintages, league tables and the Monday-review pack, on data shaped like your portfolio.
✓Response within one working day
✓Sample board pack and report catalogue after the session
✓Works standalone or with the full Graviton suite
Book a demo
Thirty minutes with a product specialist, on data shaped like your book. We respond within one working day.
Request a demoOr email neeraj@kugelblitz.xyz