YES BANK

Catchment vs Footfall Analytics Dashboard

Strategic Insights & Imperatives

Executive Summary

Analysis of 11 Yes Bank locations reveals significant misalignment between catchment demographics and building footfall patterns. With only 6.6% of catchment population represented in building footfall, there exists substantial untapped market potential. The most critical finding is the 21.4% gap in Very Good income segment (₹1.7-2.3L) between catchment (32.4%) and footfall (11%), indicating buildings are not attracting the affluent populations in their vicinity.

💰 Income Segment Misalignment

Critical Gaps:

  • Very Good Income (₹1.7-2.3L):
    Catchment: 32.4% | Footfall: 11%
    Gap: -21.4%
  • Medium Good Income (₹80K-1.3L):
    Catchment: 16.8% | Footfall: 36%
    Over-indexed: +19.2%
Implication: Buildings attract middle-income visitors but fail to engage high-income residents nearby.

📊 Product Penetration Gaps

Largest Opportunities:

  • ULIP:
    Catchment: 68% | Footfall: 15%
    Gap: -53%
  • Mutual Funds:
    Catchment: 79% | Footfall: 46%
    Gap: -33%
  • Fixed Deposits:
    Catchment: 65% | Footfall: 69%
    Aligned: +4%
Opportunity: Massive untapped demand for investment products, especially ULIPs and Mutual Funds.

🗺️ Geographic Patterns

Distance Distribution:

  • 47% travel >5km to buildings
  • 17% are within 1km radius
  • 36% are in 1-5km range
Insight: Buildings have strong pull beyond immediate vicinity but underserve local high-value residents.

👥 Lifestyle Segmentation

Key Mismatches:

  • New Wealth:
    Catchment: 33% | Footfall: 14%
    Gap: -19%
  • Conservative Middle:
    Catchment: 16% | Footfall: 25%
    Over-indexed: +9%
Pattern: Buildings attract conservative segments but miss new wealth opportunities.

🏙️ City-wise Performance Analysis

Bangalore

  • ✅ Highest affluent catchment (56-61% Very Good)
  • ✅ Strong mutual fund affinity (72-73%)
  • ⚠️ Low ULIP penetration despite high income

Mumbai

  • ✅ Highest footfall volumes (4540, 2963)
  • ⚠️ Medium Low income dominates (20-24%)
  • ⚠️ Credit card usage gaps significant

Delhi

  • ✅ Balanced income distribution
  • ✅ High Urban Elite in Punjabi Bagh (65%)
  • ⚠️ Product affinity below potential

Bhopal

  • ⚠️ Lowest ULIP affinity (1-2%)
  • ⚠️ Low mutual fund penetration (14-24%)
  • ✅ Opportunity for basic banking products

Pune

  • ✅ Good footfall at Tilak Road (3691)
  • ✅ Balanced product affinity
  • ⚠️ Income segment opportunities exist

🎯 Strategic Imperatives

1. Affluent Segment Activation

Develop targeted campaigns for Very Good income segment (₹1.7-2.3L) who represent 32.4% of catchment but only 11% of footfall. Focus on Bangalore and Delhi locations with highest affluent concentration.

2. Investment Product Push

Launch aggressive ULIP and Mutual Fund campaigns - 53% and 33% gaps respectively between catchment affinity and actual adoption. Prioritize Bangalore and Mumbai for immediate impact.

3. Hyperlocal Engagement

83% of footfall comes from beyond 1km. Implement hyperlocal marketing for <1km radius residents, especially targeting high-income households in immediate vicinity.

4. City-Specific Strategies

Bangalore: Premium products | Mumbai: Volume play | Delhi: Lifestyle banking | Bhopal: Financial literacy | Pune: Balanced growth

5. New Wealth Acquisition

Target "Urban New Wealth" segment showing 19% gap. This digitally-savvy, aspirational segment represents 33% of catchment but only 14% of footfall.

6. Product Mix Optimization

Realign branch product focus: High ULIP/MF in Bangalore, Credit cards in Mumbai, Retirement plans across all locations (10% gap).

💡 Highest ROI Opportunities

  1. Bangalore locations: Convert 56-61% Very Good income catchment into customers - potential 3x footfall increase
  2. ULIP campaigns: Bridge 53% gap could double ULIP portfolio across branches
  3. 1km radius activation: Converting just 10% more local catchment = 42,000+ new customers
  4. Mumbai credit cards: Align with 59-76% catchment affinity vs 44-50% current
  5. Bhopal financial inclusion: Massive untapped market for basic products

Combined Analysis - All Branches

Total Catchment Population
420,313
Total Building Footfall
27,680
Footfall/Catchment Ratio
6.6%
Branches Analyzed
11

Income Distribution Comparison

All Branches Combined - Catchment vs Footfall

Product Affinity Overview

All Branches Combined - % with Product Affinity

Lifestyle Segmentation

All Branches Combined - Catchment vs Footfall

Distance Distribution

All Branches - Travel Distance Pattern

Credit Card Usage Categories

All Branches Combined - Catchment vs Footfall

Income Distribution Analysis

Income Segments - Catchment vs Footfall

Percentage distribution across all branches

Branch-wise Income Distribution Comparison

Branch Low
<₹20K		 Medium Low
₹20-40K		 Medium
₹40-80K		 Medium Good
₹80K-1.3L		 Good
₹1.3-1.7L		 Very Good
₹1.7-2.3L		 High
₹2.3-3L		 Very High
>₹3L

Lifestyle Segmentation Analysis

Lifestyle Segments - Catchment vs Footfall

Distribution across all branches

Branch-wise Lifestyle Segmentation Comparison

Branch Urban Elite New Wealth Aspiring Middle Conservative Middle Fast Climbers Upcoming Climbers Urban Dependants

Distance Analysis

Travel Distance Distribution

How far people travel to reach buildings

Insurance: Savings Plan Affinity

Savings Plan Affinity - Catchment vs Footfall

Percentage with savings plan affinity

Insurance: Retirement Plan Affinity

Retirement Plan Affinity - Catchment vs Footfall

Percentage with retirement plan affinity

Insurance: ULIP Affinity

ULIP Affinity - Catchment vs Footfall

Percentage with ULIP affinity

Mutual Funds Affinity

Mutual Funds Affinity - Catchment vs Footfall

Percentage with mutual funds affinity

Fixed Deposit Affinity

Fixed Deposit Affinity - Catchment vs Footfall

Percentage with FD affinity

Credit Card Usage Patterns

Credit Card Usage Categories - Catchment vs Footfall

Comparison of Heavy, Moderate, and Rare Usage across all branches

Key Insights

Overall Usage Pattern

Catchment shows 59% heavy usage potential vs 40% actual footfall heavy usage - indicating untapped credit card opportunities

Highest Potential

Mumbai and Bangalore locations show highest credit card affinity gaps between catchment and footfall