{"schema":"liquilens.bank-specialisation.v1","slug":"dcb-bank","name":"DCB Bank","sector":"bank","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":"2026-11-10T09:23:50.407819Z","retrieved_at":"2026-11-10T07:14:02Z","publication_date":"2026-10-27","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","issuer's own published filing","issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":2.29,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.73,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":16.63,"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":14.57,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"tier1_pct":{"label":"Tier 1 capital ratio","value":14.57,"unit":"percent","status":"observed","basis":"Basel III Pillar 3 disclosure at 30 Sep 2026. 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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":["Sector and borrower concentration","Capital buffers and actual supervisory directions","Deposit concentration and maturity","Slippages, recoveries and write-offs"],"comparability_notes":[],"earlier_period_metrics":{"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":12.91,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Integrated Annual Report FY 2025-26, audited notes.","sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing"]}},"regulatory_comparison":{"framework":"RBI PCA for SCBs (Nov 2021, effective Jan 2022)","applicable":true,"status":"none","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":16.63,"entry_at":11.5,"headroom_pp":5.13},{"indicator":"CET1","value":14.57,"entry_at":8.0,"headroom_pp":6.57},{"indicator":"NNPA","value":0.73,"entry_at":6.0,"headroom_pp":5.27}],"not_assessed":["Tier-1 leverage (not in public quarterly disclosures)"],"note":null,"rule_as_of":null,"sources":[]},"npa_movement":{"status":"unavailable","reason":"closed NPA movement table not disclosed in the accepted record"},"ontology_id":"inst:in/rbi/dcb-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/dcb-bank","status":"recorded","total":2,"by_type":{"monetary_penalty":2},"latest":[{"type":"monetary_penalty","release_date":"2026-02-13","release_number":"2025-2026/2115","release_url":"Reserve Bank of India, website pages","name_as_printed":"DCB Bank Limited","order_date":"2026-02-06","penalty_as_printed":"₹29.60 lakh"},{"type":"monetary_penalty","release_date":"2024-03-19","release_number":"2023-2024/2070","release_url":"Reserve Bank of India, website pages","name_as_printed":"DCB Bank Ltd.","order_date":"2024-03-13","penalty_as_printed":"₹63,60,000/-"}]},"peer_context":{"status":"available","inst_type":"bank","unit":"percent","rows":[{"metric":"gnpa_pct","peer_period":"2026-09-30","n":10,"p25":1.35,"median":1.67,"p75":2.285,"own":2.29,"position":"above the 75th percentile"},{"metric":"nnpa_pct","peer_period":"2026-09-30","n":10,"p25":0.26,"median":0.39,"p75":0.6675,"own":0.73,"position":"above the 75th percentile"},{"metric":"crar_pct","peer_period":"2026-09-30","n":10,"p25":17.325,"median":19.205,"p75":21.035,"own":16.63,"position":"below the 25th percentile"},{"metric":"casa_pct","peer_period":"2026-09-30","n":9,"p25":24.04,"median":27.0,"p75":28.07,"own":22.3,"position":"below the 25th percentile"},{"metric":"lcr_pct","peer_period":"2026-09-30","n":9,"p25":129.81,"median":145.6,"p75":149.06,"own":134.22,"position":"25th percentile to median"}],"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":"bank","name_as_printed":"DCB BANK LTD.","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":"2026-11-07","td_general":{"7d":3.75,"30d":3.75,"91d":4.75,"180d":4.75,"1y":6.9,"2y":7.4,"3y":7.0,"5y":7.5},"td_senior":{"7d":4.0,"30d":4.0,"91d":5.0,"180d":5.0,"1y":7.15,"2y":7.9,"3y":7.25,"5y":8.0},"savings_max":6.85,"mclr_1y":9.84,"eblr":10.33,"lookup":"/api/experimental/v1/banking/rate-cards/dcb-bank"},"lending_partners":{"snapshot_utc":"2026-11-11T18:13:36+00:00","publisher":"the lender's own website","counts":{"co_lending":15,"digital_lending_app":1,"lending_service_provider":0,"dlg_arrangement":0},"first_names":{"co_lending":["Avanse Financial Services Limited","Aye Finance Private Limited","IIFL Finance Limited","Indel Money Limited","Muthoot Fincorp Limited"],"digital_lending_app":["Finsall Resources Pvt Ltd"]},"lookup":"/api/experimental/v1/banking/lending-partners/dcb-bank"},"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>'."}}