{"schema":"liquilens.bank-specialisation.v1","slug":"citizencredit-ucb","name":"Citizencredit Co-operative Bank","sector":"ucb","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":"2026-03-31","quarter":"FY26","available_at":"2026-11-10T12:22:16.023422Z","retrieved_at":"2026-11-10T10:22:51Z","publication_date":"2026-08-28","age_days":229,"freshness_limit_days":400,"sources":["issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":6.49,"unit":"percent","status":"observed","basis":"Gross NPA to Gross Advances, note IV 4 a) ratios, 31.03.2026."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.58,"unit":"percent","status":"observed","basis":"Net NPA to Net Advances, note IV 4 a) ratios, 31.03.2026."},"crar_pct":{"label":"Capital adequacy","value":22.29,"unit":"percent","status":"observed","basis":"The label is printed over two lines around the row number; the figures are on the 'x)' line."},"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":19.32,"unit":"percent","status":"observed","basis":"Tier 1 Ratio (Tier 1 capital as a percentage of RWAs), note IV 1 a., row viii), 31.03.2026."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":6.07,"unit":"percent","status":"observed","basis":"Percentage of deposits of twenty largest depositors to total deposits of the Bank, note IV 6 a), 31.03.2026."},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":83.97,"unit":"percent","status":"observed","basis":"Percentage of exposures to the twenty largest NPA exposure to total Gross NPAs, note IV 6 d) Concentration of NPAs, 31.03.2026."},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"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":91.56,"unit":"percent","status":"observed","basis":"The directors' report prints 91.55% for 31 March 2026 against 91.56% in this note; both prints are kept in this note and the comparability notes. The basis (with or without technical write-offs) is not stated."},"deposits":{"label":"Deposits","value":33873719858,"unit":"INR","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":15259279942,"unit":"INR","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR","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":"52d8da4f9267d87fa4579fc87d0e01b8a24c8074a8ae6332729c2a5b4b73cdfd"}],"changes":{"quarter":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"},"year":{"status":"observed","from_period":"2025-03-31","to_period":"2026-03-31","unit":"percentage_points","changes":{"gnpa_pct":1.05,"nnpa_pct":0.09,"crar_pct":0.99},"sources":["issuer's own published filing"],"available_at":"2026-11-10T12:22:16.023422Z"}},"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":["Dated UCB tier and actual supervisory directions","Related-party and single-borrower exposures","Deposit concentration and maturity","Annual profit, capital and NPA movement"],"comparability_notes":["NPA movement served only because its twice-read opening, additions, reductions and closing close within the reconciler's rounding tolerance; nothing in it is derived."],"earlier_period_metrics":{},"regulatory_comparison":{"framework":"RBI PCA for Tier 2-4 UCBs (Jul 2024, effective Apr 2025)","applicable":false,"status":"scope_unverified","risk_level":0,"breaches":[],"headroom":[],"not_assessed":["dated UCB tier, AID and continuing SAF status"],"note":"A disclosed threshold breach is not an RBI decision to invoke PCA.","rule_as_of":"2026-11-15","sources":["Reserve Bank of India, website pages","Reserve Bank of India, website pages"]},"npa_movement":{"status":"reconciled","period_start":"2025-04-01","period_end":"2026-03-31","amount_unit":"INR_crore","residual":0.0,"rounding_tolerance":0.025,"rounding_decimals":2,"rounding_basis":"sum of half a reported unit of precision for each input amount","opening_gnpa":87.64,"closing_gnpa":98.99,"additions":20.21,"reductions":{"upgrades":4.67,"cash_recoveries":4.19},"net_stock_change":11.35,"cash_recovery_attribution":"reported_components_only","factual_authority":"input_statement_only","interpretation":"Write-offs, upgrades, settlements and sales are separate from cash recovery. Arithmetic agreement does not verify a filing."},"ontology_id":"inst:in/rbi/citizencredit-co-operative-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/citizencredit-co-operative-bank","status":"no_recorded_action","total":0,"note":"No action recorded for this institution; selection is by release title, so the record may be incomplete."},"peer_context":{"status":"available","inst_type":"ucb","unit":"percent","rows":[{"metric":"gnpa_pct","peer_period":"2026-03-31","n":21,"p25":1.87,"median":3.25,"p75":5.77,"own":6.49,"position":"above the 75th percentile"},{"metric":"nnpa_pct","peer_period":"2026-03-31","n":19,"p25":0.0,"median":0.19,"p75":1.34,"own":0.58,"position":"median to 75th percentile"},{"metric":"crar_pct","peer_period":"2026-03-31","n":22,"p25":14.38,"median":15.565,"p75":18.6375,"own":22.29,"position":"above the 75th percentile"},{"metric":"casa_pct","peer_period":"2026-03-31","n":11,"p25":26.77,"median":30.47,"p75":39.985}],"basis":"Quartiles of the latest period with at least five reporting banks of this type, from reviewed disclosures; 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":"ucb","name_as_printed":"CITIZEN CREDIT CO-OPERATIVE BANK LTD. MUMBAI","matched_by":"reviewed 11 Nov 2026: DICGC splits Citizencredit","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":"2026-08-01","td_general":{"7d":3.0,"30d":3.75,"91d":5.35,"180d":5.35,"1y":5.85,"2y":6.0,"3y":6.1,"5y":6.1},"td_senior":{},"savings_max":3.0,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/citizencredit-ucb"},"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/citizencredit-ucb"},"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>'."}}