{"schema":"liquilens.bank-specialisation.v1","slug":"janata-sahakari-pune-ucb","name":"Janata Sahakari Bank Ltd., Pune","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":"2026-11-10T09:19:37.775873Z","retrieved_at":"2026-11-10T06:52:10Z","publication_date":"2026-07-16","age_days":229,"freshness_limit_days":400,"sources":["issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":4.08,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":2.09,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":15.07,"unit":"percent","status":"observed","basis":"Image-only page: tesseract 5.5.2 (eng) on a 300 dpi row crop kept at raw/janata-sahakari-pune-ucb/public source; psm 6 reads the token and psm 7 reads it."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":9.66,"unit":"percent","status":"observed","basis":"The bank prints one row for both labels; Additional Tier 1 capital is 0.00, so the row equals the Tier 1 ratio. Image-only page: tesseract 5.5.2 (eng) on a 300 dpi row crop kept at raw/janata-sahakari-pune-ucb/public source; psm 6 reads the token and psm 7 does not read it. Value-cell re-read at 2.5x (raw/janata-sahakari-pune-ucb/public source): psm 6 reads the token and psm 7 reads it."},"tier1_pct":{"label":"Tier 1 capital ratio","value":9.66,"unit":"percent","status":"observed","basis":"Image-only page: tesseract 5.5.2 (eng) on a 300 dpi row crop kept at raw/janata-sahakari-pune-ucb/public source; psm 6 does not read the token and psm 7 does not read it. Value-cell re-read at 2.5x (raw/janata-sahakari-pune-ucb/public source): psm 6 reads the token and psm 7 reads it."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":27.89,"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":88.86,"unit":"percent","status":"observed","basis":"Image-only page: tesseract 5.5.2 (eng) on a 300 dpi row crop kept at raw/janata-sahakari-pune-ucb/public source; psm 6 reads the token and psm 7 reads it."},"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":47.87,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"deposits":{"label":"Deposits","value":10811.402810134,"unit":"INR_crore","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":6711.17,"unit":"INR_crore","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_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":"ac7f9bf747890f0c8ebad1d9728983e02b39477dfb0060ed78612ba49aa46c72"}],"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":0.11,"nnpa_pct":0.21,"crar_pct":0.23},"sources":["issuer's own published filing"],"available_at":"2026-11-10T09:19:37.775873Z"}},"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":[],"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":"unavailable","reason":"closed NPA movement table not disclosed in the accepted record"},"ontology_id":"inst:in/rbi/janata-sahakari-bank-ltd-pune","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/janata-sahakari-bank-ltd-pune","status":"recorded","total":3,"by_type":{"monetary_penalty":3},"latest":[{"type":"monetary_penalty","release_date":"2025-01-09","release_number":"2024-2025/1887","release_url":"Reserve Bank of India, website pages","name_as_printed":"Janata Sahakari Bank Limited, Pune","order_date":"2025-01-07","penalty_as_printed":"₹17.50 lakh"},{"type":"monetary_penalty","release_date":"2023-04-24","release_number":"2023-2024/117","release_url":"Reserve Bank of India, website pages","name_as_printed":"Janata Sahakari Bank Ltd., Pune","order_date":"2023-04-13","penalty_as_printed":"₹13.00 lakh"},{"type":"monetary_penalty","release_date":"2021-10-11","release_number":"2021-2022/1019","release_url":"Reserve Bank of India, website pages","name_as_printed":"Janata Sahakari Bank Ltd., Pune","order_date":"2021-10-07","penalty_as_printed":"₹30.00 lakh"}]},"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":4.08,"position":"median to 75th percentile"},{"metric":"nnpa_pct","peer_period":"2026-03-31","n":19,"p25":0.0,"median":0.19,"p75":1.34,"own":2.09,"position":"above the 75th percentile"},{"metric":"crar_pct","peer_period":"2026-03-31","n":22,"p25":14.38,"median":15.565,"p75":18.6375,"own":15.07,"position":"25th percentile to median"},{"metric":"casa_pct","peer_period":"2026-03-31","n":11,"p25":26.77,"median":30.47,"p75":39.985,"own":27.89,"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":"ucb","name_as_printed":"JANATA SAHAKARI BANK LTD., (PUNE)","matched_by":"reviewed 11 Nov 2026: the town is in brackets, which the name key drops","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":"2025-09-24","td_general":{"7d":2.75,"30d":2.75,"91d":4.75,"180d":4.75,"1y":6.5,"2y":6.75,"3y":6.0,"5y":6.0},"td_senior":{"7d":3.25,"91d":5.25,"180d":5.25,"1y":7.0,"2y":7.25,"3y":6.5,"5y":6.5},"savings_max":2.75,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/janata-sahakari-pune-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/janata-sahakari-pune-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>'."}}