{"schema":"liquilens.bank-specialisation.v1","slug":"nainital-bank","name":"Nainital 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":"2026-11-10T07:40:43Z","publication_date":"2026-10-16","age_days":46,"freshness_limit_days":183,"sources":["issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":4.97,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.25,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":18.78,"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":18.2,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"tier1_pct":{"label":"Tier 1 capital ratio","value":18.2,"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":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":10.22,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":18.47,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"lcr_pct":{"label":"Reported liquidity coverage","value":209.6,"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":94.05,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"deposits":{"label":"Deposits","value":8751.9,"unit":"INR_crore","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":5348.6,"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":"2b0ccb7a8ff00415d8c591d83484cad65a3903b248dc8653e790734fbfb8e160"}],"changes":{"quarter":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-3.05,"nnpa_pct":-0.4,"crar_pct":-1.31},"sources":["issuer's own published filing"],"available_at":"2026-11-10T09:23:50.407819Z"}},"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":{"casa_pct":{"label":"Current and savings account deposits / deposits","value":40.48,"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":"RBI PCA for SCBs (Nov 2021, effective Jan 2022)","applicable":true,"status":"none","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":18.78,"entry_at":11.5,"headroom_pp":7.28},{"indicator":"CET1","value":18.2,"entry_at":8.0,"headroom_pp":10.2},{"indicator":"NNPA","value":0.25,"entry_at":6.0,"headroom_pp":5.75}],"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/nainital-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/nainital-bank","status":"recorded","total":2,"by_type":{"monetary_penalty":2},"latest":[{"type":"monetary_penalty","release_date":"2025-02-14","release_number":"2024-2025/2172","release_url":"Reserve Bank of India, website pages","name_as_printed":"The Nainital Bank Limited","order_date":"2025-02-12","penalty_as_printed":"₹61.40 lakh"},{"type":"monetary_penalty","release_date":"2021-10-29","release_number":"2021-2022/1120","release_url":"Reserve Bank of India, website pages","name_as_printed":"The Nainital Bank Ltd., Uttarakhand","order_date":"2021-10-28","penalty_as_printed":"₹56 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":4.97,"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":0.25,"position":"below the 25th percentile"},{"metric":"crar_pct","peer_period":"2026-09-30","n":10,"p25":17.325,"median":19.205,"p75":21.035,"own":18.78,"position":"25th percentile to median"},{"metric":"casa_pct","peer_period":"2026-09-30","n":9,"p25":24.04,"median":27.0,"p75":28.07},{"metric":"lcr_pct","peer_period":"2026-09-30","n":9,"p25":129.81,"median":145.6,"p75":149.06,"own":209.6,"position":"above the 75th percentile"}],"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":"NAINITAL 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":"2026-04-10","td_general":{"91d":6.3,"180d":6.3,"1y":6.3},"td_senior":{},"savings_max":2.65,"mclr_1y":8.75,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/nainital-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/nainital-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>'."}}