This Power BI dashboard provides a comprehensive analysis of loan portfolio performance and credit risk indicators. It is designed to help financial institutions monitor loan disbursement trends, track default rates (NPA), and identify high-risk segments in real-time.
- Total Disbursement: ₹436M (118.6% growth over the year)
- Avg Interest Rate: 12.05%
- Total Applications: 39K
- NPA Ratio (Default Rate): 13.82%
- Dynamic Risk Gauge: Implemented a custom gauge with conditional formatting rules: Green (<8%), Yellow (8-12%), and Red (>12%) to immediately flag critical risk levels.
- Advanced Filtering: Developed a Top 5 Loan Purposes Treemap using visual-level filters and integrated a Smart Reset button using Power BI Bookmarks to clear slicers while maintaining core visual states.
- Data Visualization: Utilized Trend Lines for disbursement growth, Donut Charts for purpose distribution, and horizontal Bar Charts for NPA counts by Credit Grade to ensure high scannability.
Based on the data analysis, the following critical findings were identified:
- Risk Concentration: Default rates are significantly higher among borrowers with lower employment experience and those with unverified income sources.
- Product Risk: Small Business and Credit Card loans contribute the highest share of defaults, indicating a need for stricter risk mitigation in these segments.
- Growth vs. Risk: While loan disbursement shows a steady upward trend, the increasing NPA trend over time (from 8.1% to 13.8%) requires immediate portfolio rebalancing and tighter credit policies.
- /finannce_load.pbix: Contains the
.pbixPower BI file. - /cleaned_financial_loan.xlsx: Sample dataset used for the analysis.
- /dashboard_ss.png: High-resolution images of the final dashboard.
- Download the
.pbixfile from the/finannce_load.pbixfolder. - Open it using Power BI Desktop.
- Use the slicers on the right to filter by State, Month, or Loan Tenure to see how risk factors change across different segments.