{"schema":"liquilens.bank-specialisation.v1","slug":"capital-sfb","name":"Capital Small Finance Bank","sector":"sfb","as_of":"2026-11-15","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-09-30","quarter":"Q2FY27","available_at":"2026-11-03T13:16:10.916572Z","retrieved_at":"2026-11-03T12:41:05.725428+00:00","publication_date":"2026-10-29","age_days":46,"freshness_limit_days":183,"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":2.36,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":1.12,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":20.78,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":18.46,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":34.5,"unit":"percent","status":"observed","basis":"Period-end CASA share of total deposits at 30 Sep 2026 as stated in the press release. The presentation shows the same 34.5% with the footnote 'CASA calculated as total CASA divided by total deposits' and a separate average CASA of 34.8%, which is not used."},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":216.47,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":53.19,"unit":"percent","status":"observed","basis":"Provision coverage ratio as the presentation states it for Q2 FY27; the issuer does not state whether technical write-offs are included, so it is kept as reported PCR."},"deposits":{"label":"Deposits","value":10830.63,"unit":"INR_crore","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":9755,"unit":"INR_crore","status":"observed","basis":"Gross advances at 30 Sep 2026 as stated in the press release, INR crore; distinct from balance-sheet net advances of 9,633 crore."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_crore","status":"not_disclosed","basis":null}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"issuer's own published filing","sha256":"7d2bb24ed7fdbfe9b241654fedfc7a534c4e5270913b380bba8fec3797e2043a"},{"url":"issuer's own published filing","sha256":"33c7705c593dadcb4fdfcaf45464c950dae7d95fe3d8c2b77aeb965218069a06"},{"url":"issuer's own published filing","sha256":"c55c3bd288bfef927d57a603cbbf52ffe07209d9e58083b165972d75b3898087"},{"url":"issuer's own published filing","sha256":"8acb8d0913c2db21a6fdadb647fc0aaa30da3b85833b5b69ded46fb54ae703a7"}],"changes":{"quarter":{"status":"observed","from_period":"2026-06-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.11,"nnpa_pct":-0.02,"crar_pct":-0.8},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-03T13:16:10.916572Z"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.34,"nnpa_pct":-0.26,"crar_pct":-3.45},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-03T13:16:10.916572Z"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Microfinance and unsecured-loan concentration","Collection-efficiency denominator and exclusions","Deposit concentration and maturity","Slippages and write-offs by loan cohort"],"comparability_notes":["published_at is the date of the issuer's Regulation 30 and 33 results letter (29 Oct 2026); NSE and BSE dissemination times were not read because those archives refused the declared research User-Agent."],"earlier_period_metrics":{"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":19.58,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Definition as stated in the issuer's filing for this period.","sources":["issuer's own published filing"]},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":9.14,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Definition as stated in the issuer's filing for this period.","sources":["issuer's own published filing"]},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":22.96,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Definition as stated in the issuer's filing for this period.","sources":["issuer's own published filing"]}},"regulatory_comparison":{"framework":null,"applicable":false,"status":"not_applicable","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":20.78,"entry_at":15.0,"headroom_pp":5.78}],"not_assessed":[],"note":"SFBs are outside the 2021 bank-PCA framework; 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a position is shown only when this bank's latest period is that period.","limit":"Context, not a rating: a position says where a figure sits among reporting peers, not whether it is safe."},"deposit_insurance":{"status":"listed_as_insured","category":"sfb","name_as_printed":"Capital Small Finance Bank Limited","matched_by":"exact legal-name key","source":{"publisher":"Deposit Insurance and Credit Guarantee Corporation (DICGC)","title":"List of active insured banks as on 19.10.2026","list_as_on":"2026-10-19","url":"SEBI, IBBI, MCA, DFS, DICGC, CGTMSE, NPCI, GSTN, CERSAI, PMFBY, DES, Grid-India, Bhuvan, IMD","retrieved_utc":"2026-11-11T17:19:32+00:00"},"limit":"Registration with DICGC on the list date; no statement about the bank's condition."},"rate_cards":{"snapshot_utc":"2026-11-12T08:33:00+00:00","publisher":"the bank's own website","td_effective":"2026-11-02","td_general":{"30d":3.5,"91d":4.75,"180d":5.5,"2y":7.0,"3y":7.0,"5y":7.0},"td_senior":{"30d":4.0,"91d":5.25,"180d":6.0,"2y":7.5,"3y":7.5,"5y":7.5},"savings_max":3.1,"mclr_1y":9.65,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/capital-sfb"},"lending_partners":{"snapshot_utc":"2026-11-11T18:13:36+00:00","publisher":"the lender's own website","counts":{"co_lending":0,"digital_lending_app":0,"lending_service_provider":0,"dlg_arrangement":0},"first_names":{},"lookup":"/api/experimental/v1/banking/lending-partners/capital-sfb"},"shareholding":{"period_end":"2026-09-30","promoter_pct":18.29,"fpi_pct":[3.1,0.04],"mutual_funds_pct":1.53,"insurance_pct":12.63,"promoter_pledged_pct":null,"promoter_pledged_basis":null,"lookup":"/api/experimental/v1/banking/shareholding/capital-sfb"},"access":{"tier":"anonymous","withheld":[{"depth":"provenance","what":"the source link behind each figure","requires":"paid"}],"how_to_get_access":"Free API keys and paid data plans (priced per buyer): write to mrinal@liquilens.in. Send the key as 'Authorization: Bearer <key>'."}}