{"schema":"liquilens.bank-specialisation.v1","slug":"unity-sfb","name":"Unity 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":"2026-11-03T13:16:10.916572Z","retrieved_at":"2026-11-03T12:48:53.733668+00:00","publication_date":"2026-08-25","age_days":138,"freshness_limit_days":183,"sources":["issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":6.53,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":2.33,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":25.66,"unit":"percent","status":"observed","basis":"Total capital adequacy ratio at 30 Jun 2026 (Basel II standardised approach for credit risk). The Pillar 3 text states a total CAR of 25.66 % as on 30th June 2026. Tier II capital counted equals Tier I capital."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":12.83,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"tier1_pct":{"label":"Tier 1 capital ratio","value":12.83,"unit":"percent","status":"observed","basis":"Tier 1 capital adequacy ratio at 30 Jun 2026. The Pillar 3 text states a Tier I ratio of 12.83%."},"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":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":156.12,"unit":"percent","status":"observed","basis":"LCR the issuer states as on 30 Jun 2026 (point in time; the next line reads 'on 30.06.2026'). Not described as a quarterly average. The same paragraph states NSFR of 145.87% as on 30.06.2026, which is not a dossier field."},"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":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":"INR_crore","status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":12557.091,"unit":"INR_crore","status":"observed","basis":"Gross advances at 30 Jun 2026 including interest accrued and due on standard advances, from 'Total gross credit risk exposures'; INR crore after an exact conversion from INR million."},"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":"8ab164668d5364df9eeb7f07f9a4ddd70f5e614a73d14bbb4b0573be820cdd99"}],"changes":{"quarter":{"status":"observed","from_period":"2026-03-31","to_period":"2026-06-30","unit":"percentage_points","changes":{"gnpa_pct":null,"nnpa_pct":null,"crar_pct":-0.34},"sources":["issuer's own published filing"],"available_at":"2026-11-10T07:46:03.447170Z"},"year":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"}},"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 file's HTTP Last-Modified date (25 Aug 2026); the issuer's site shows no posting date.","Gross advances are converted exactly from INR million to INR crore."],"earlier_period_metrics":{"casa_pct":{"label":"Current and savings account deposits / deposits","value":22.5,"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"]},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":94.0,"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"]},"deposits":{"label":"Deposits","value":12045.0,"unit":"INR_crore","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":null,"applicable":false,"status":"not_applicable","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":25.66,"entry_at":15.0,"headroom_pp":10.66}],"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/unity-small-finance-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/unity-small-finance-bank","status":"recorded","total":1,"by_type":{"amalgamation_sanctioned":1},"latest":[{"type":"amalgamation_sanctioned","release_date":"2022-01-25","release_number":"2021-2022/1616","release_url":"Reserve Bank of India, website pages","name_as_printed":"Unity Small Finance Bank Ltd."}]},"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":"Unity Small Finance 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":4.0,"30d":4.0,"91d":5.0,"180d":5.5,"1y":7.5,"2y":6.75,"3y":6.75,"5y":6.75},"td_senior":{"7d":4.0,"30d":4.0,"91d":5.5,"180d":6.0,"1y":8.0,"2y":7.25,"3y":7.25,"5y":7.25},"savings_max":7.0,"mclr_1y":11.3,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/unity-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":3,"lending_service_provider":3,"dlg_arrangement":0},"first_names":{"digital_lending_app":["PayMe India Financial Services Pvt. Ltd.","Psi Phi Global Solutions Pvt. Ltd.","Lendingkart Technologies Private Limited"],"lending_service_provider":["PayMe India Financial Services Pvt. Ltd.","Psi Phi Global Solutions Pvt. Ltd.","Lendingkart Technologies Private Limited"]},"lookup":"/api/experimental/v1/banking/lending-partners/unity-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>'."}}