{"schema":"liquilens.bank-specialisation.v1","slug":"shivalik-sfb","name":"Shivalik Small Finance Bank","sector":"sfb","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":"2026-06-30","quarter":"Q1FY27","available_at":"2026-11-10T07:46:03.447170Z","retrieved_at":"2026-11-10T06:25:07Z","publication_date":null,"age_days":138,"freshness_limit_days":183,"sources":["issuer's own 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risk).","provenance":{"publication_date":"2026-09-29","publication_clock_quality":"reported_date_as_previously_reviewed","knowledge_time":"2026-11-03T13:16:10.916572+00:00","retrieved_at":"2026-11-03T12:44:07.993857+00:00","sources":["issuer's own published filing","issuer's own published filing"],"source_documents":[{"url":"issuer's own published filing","sha256":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"},{"url":"issuer's own published filing","sha256":"16a41493b23c96be3d80c64fed680615be7212a6846d8edcdc16f1b3eea48c3f"}],"evidence_basis":"Previously accepted issuer-disclosure fact retained unchanged in this later composite evidence revision."}},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":16.3,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period.","provenance":{"publication_date":"2026-09-29","publication_clock_quality":"reported_date_as_previously_reviewed","knowledge_time":"2026-11-03T13:16:10.916572+00:00","retrieved_at":"2026-11-03T12:44:07.993857+00:00","sources":["issuer's own published filing","issuer's own published filing"],"source_documents":[{"url":"issuer's own published filing","sha256":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"},{"url":"issuer's own published filing","sha256":"16a41493b23c96be3d80c64fed680615be7212a6846d8edcdc16f1b3eea48c3f"}],"evidence_basis":"Previously accepted issuer-disclosure fact retained unchanged in this later composite evidence revision."}},"tier1_pct":{"label":"Tier 1 capital ratio","value":16.3,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this 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NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":125.25,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period.","provenance":{"publication_date":"2026-09-29","publication_clock_quality":"reported_date_as_previously_reviewed","knowledge_time":"2026-11-03T13:16:10.916572+00:00","retrieved_at":"2026-11-03T12:44:07.993857+00:00","sources":["issuer's own published filing","issuer's own published filing"],"source_documents":[{"url":"issuer's own published filing","sha256":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"},{"url":"issuer's own published filing","sha256":"16a41493b23c96be3d80c64fed680615be7212a6846d8edcdc16f1b3eea48c3f"}],"evidence_basis":"Previously accepted issuer-disclosure fact retained unchanged in this later composite evidence revision."}},"pcr_including_technical_writeoffs_pct":{"label":"PCR 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HTTP Last-Modified is 29 Sep 2026 (GMT) and the PDF creation date is 28 Sep 2026 12:4x IST; the date given is the Last-Modified date.","knowledge_time":"2026-11-10T07:46:03.447170+00:00","retrieved_at":"2026-11-10T06:25:07Z","sources":["issuer's own published filing"],"source_documents":[{"url":"issuer's own published filing","sha256":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"}],"evidence_basis":"Definition as stated in the issuer's filing for this period."}},"advances":{"label":"Reported advances","value":4325.46,"unit":"INR_crore","status":"observed","basis":"Definition as stated in the issuer's filing for this period.","provenance":{"publication_date":"2026-09-29","publication_clock_quality":"reported_date_as_previously_reviewed","knowledge_time":"2026-11-03T13:16:10.916572+00:00","retrieved_at":"2026-11-03T12:44:07.993857+00:00","sources":["issuer's own published filing","issuer's own published filing"],"source_documents":[{"url":"issuer's own published filing","sha256":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"},{"url":"issuer's own published filing","sha256":"16a41493b23c96be3d80c64fed680615be7212a6846d8edcdc16f1b3eea48c3f"}],"evidence_basis":"Previously accepted issuer-disclosure fact retained unchanged in this later composite evidence revision."}},"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":"3af1497175b68abeeb18dc96c4719460977a014a8a5a79fdf43da7b7ea6e7afc"},{"url":"issuer's own published filing","sha256":"16a41493b23c96be3d80c64fed680615be7212a6846d8edcdc16f1b3eea48c3f"},{"url":"issuer's own published filing","sha256":"94d93acff205c26ecb95c83b9aafdd3dd5a1b54d8bfa9b1acea20ae25853419e"}],"changes":{"quarter":{"status":"observed","from_period":"2026-03-31","to_period":"2026-06-30","unit":"percentage_points","changes":{"gnpa_pct":-0.04,"nnpa_pct":0.14,"crar_pct":-1.8},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-11T19:50:08.378755Z"},"year":{"status":"observed","from_period":"2025-06-30","to_period":"2026-06-30","unit":"percentage_points","changes":{"gnpa_pct":0.38,"nnpa_pct":0.48,"crar_pct":-1.44},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-11T19:50:08.378755Z"}},"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":["Microfinance and unsecured-loan concentration","Collection-efficiency denominator and exclusions","Deposit concentration and maturity","Slippages and write-offs by loan cohort"],"comparability_notes":["published_at is the source files' HTTP Last-Modified date (29 Sep 2026); the issuer's site shows no posting date.","Same reporting period, later evidence revision accepted on 2026-11-10. The earlier record is retained for historical availability; only deposits gain newly verified values.","Composite row publication date is unknown. Read metric-specific provenance: inherited metrics keep their original clocks."],"earlier_period_metrics":{},"regulatory_comparison":{"framework":null,"applicable":false,"status":"not_applicable","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":18.17,"entry_at":15.0,"headroom_pp":3.17}],"not_assessed":[],"note":"SFBs are outside the 2021 bank-PCA framework; headroom shown against the 15% licensing CRAR floor","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/shivalik-small-finance-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/shivalik-small-finance-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":"sfb","unit":"percent","rows":[{"metric":"gnpa_pct","peer_period":"2026-09-30","n":8,"p25":2.1525,"median":2.325,"p75":2.825},{"metric":"nnpa_pct","peer_period":"2026-09-30","n":8,"p25":0.6025,"median":0.945,"p75":1.215},{"metric":"crar_pct","peer_period":"2026-09-30","n":8,"p25":19.175,"median":20.345,"p75":20.815},{"metric":"casa_pct","peer_period":"2026-09-30","n":8,"p25":20.9,"median":24.65,"p75":26.875},{"metric":"lcr_pct","peer_period":"2026-09-30","n":5,"p25":131.0,"median":141.5,"p75":173.3}],"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":"sfb","name_as_printed":"Shivalik Small Finance Bank Limited","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":"2026-09-01","td_general":{"7d":3.5,"30d":4.25,"91d":4.75,"180d":4.75,"1y":6.0,"2y":8.0,"3y":7.5,"5y":6.25},"td_senior":{"7d":3.75,"30d":4.5,"91d":5.0,"180d":5.0,"1y":6.25,"2y":8.25,"3y":7.75,"5y":6.5},"savings_max":7.0,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/shivalik-sfb"},"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/shivalik-sfb"},"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>'."}}