{"schema":"liquilens.bank-specialisation.v1","slug":"dhanlaxmi-bank","name":"Dhanlaxmi 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":"2026-11-10T07:46:03.447170Z","retrieved_at":"2026-11-10T05:55:46Z","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":1.76,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.45,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":18.86,"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":16.46,"unit":"percent","status":"observed","basis":"Basel III. Standalone: the Pillar 3 disclosure states the bank has no subsidiary or associate. The DF-11 template prints the same 16.46%. The bank states it has no Additional Tier 1 capital, so its Tier 1 ratio prints the same value."},"tier1_pct":{"label":"Tier 1 capital ratio","value":16.46,"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":28.07,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"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":129.81,"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":92.86,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":74.7,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":2055148,"unit":"INR_lakh","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":1573828,"unit":"INR_lakh","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_lakh","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":"6f455f3ae3bf264e12942e89dfe64efdb78fe2e119a8017f582b5defd447be23"},{"url":"issuer's own published filing","sha256":"70a58c7d9b77f4c88fae86e8c3c96c48df173e95f4281ca6befe7b5f93baf8c9"},{"url":"issuer's own published filing","sha256":"a28276da3ebc9acd687d25723ed94700f7d84d14d3c5b102f332ba18e66c42dc"},{"url":"issuer's own published filing","sha256":"1122afbafaf78d9364729993389c663bda68525f28ce2f0b54b758f81271b3c1"}],"changes":{"quarter":{"status":"observed","from_period":"2026-06-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.06,"nnpa_pct":-0.02,"crar_pct":-0.33},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T07:46:03.447170Z"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-1.34,"nnpa_pct":-0.67,"crar_pct":1.05},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T07:46:03.447170Z"}},"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":["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_depositors_pct":{"label":"Twenty largest depositors / deposits","value":25.97,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Audited notes. The note says the data were compiled from the bank's internal MIS and relied upon by the auditors.","sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing"]},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":46.61,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Audited notes; compiled from internal MIS per the note. Printed as '46.61 %'.","sources":["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":18.86,"entry_at":11.5,"headroom_pp":7.36},{"indicator":"CET1","value":16.46,"entry_at":8.0,"headroom_pp":8.46},{"indicator":"NNPA","value":0.45,"entry_at":6.0,"headroom_pp":5.55}],"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/dhanlaxmi-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/dhanlaxmi-bank","status":"recorded","total":2,"by_type":{"monetary_penalty":2},"latest":[{"type":"monetary_penalty","release_date":"2024-01-12","release_number":"2023-2024/1670","release_url":"Reserve Bank of India, website pages","name_as_printed":"Dhanlaxmi Bank Ltd.","order_date":"2024-01-08","penalty_as_printed":"₹120.47 lakh"},{"type":"monetary_penalty","release_date":"2021-08-23","release_number":"2021-2022/731","release_url":"Reserve Bank of India, website pages","name_as_printed":"Dhanlaxmi Bank Ltd., Thrissur, Kerala","order_date":"2021-08-23","penalty_as_printed":"₹27.50 lakh"}]},"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":1.76,"position":"median to 75th percentile"},{"metric":"nnpa_pct","peer_period":"2026-09-30","n":10,"p25":0.26,"median":0.39,"p75":0.6675,"own":0.45,"position":"median to 75th percentile"},{"metric":"crar_pct","peer_period":"2026-09-30","n":10,"p25":17.325,"median":19.205,"p75":21.035,"own":18.86,"position":"25th percentile to median"},{"metric":"casa_pct","peer_period":"2026-09-30","n":9,"p25":24.04,"median":27.0,"p75":28.07,"own":28.07,"position":"median to 75th percentile"},{"metric":"lcr_pct","peer_period":"2026-09-30","n":9,"p25":129.81,"median":145.6,"p75":149.06,"own":129.81,"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":"DHANALAKSHMI BANK LTD.","matched_by":"reviewed 11 Nov 2026: DICGC spells Dhanlaxmi as Dhanalakshmi","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":"2026-10-14","td_general":{"7d":4.0,"30d":4.0,"91d":5.0,"180d":5.5,"1y":6.25,"2y":6.25,"3y":6.5,"5y":6.5},"td_senior":{},"savings_max":6.5,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/dhanlaxmi-bank"},"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/dhanlaxmi-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>'."}}