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BANK LTD., BOMBAY","matched_by":"reviewed 11 Nov 2026: same name with the town appended","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":null,"td_general":{},"td_senior":{},"savings_max":null,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/zoroastrian-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/zoroastrian-ucb"}}],"coverage_basis":"Accepted bank dossiers and reviewed filing supplements; not a census.","coverage_counts":{"observed":48,"stale":0,"historical":10,"unavailable":0},"training_eligible":false,"score_authority":false,"model_corpus_changed":false},"excluded_invalid_evidence":[],"market_layer":{"available":true,"as_of":"2026-11-11","legacy_pack_as_of":"2026-11-11","pack_retrieved_at":"2026-11-13T01:45:39+00:00","retrieved_at":"2026-11-13T01:45:39+00:00","retrieval_clock_basis":"pack metadata only; not an authority input","age_days":4,"stale":false,"future_dated":false,"clock_authority":true,"knowledge_authority":true,"admission_authority":false,"admission_checks":{"schema_validated":true,"identity_map_reviewed":true,"rights_approved":false,"display_use_approved":false,"model_gate_approved":false,"tier_use_approved":false,"coverage_complete":true,"all_expected_record_identities_approved":false},"publication_authority":false,"publication_checks":{"display_use_approved":false,"display_rights_approved":false,"schema_validated":true,"identity_map_reviewed":true,"coverage_complete":true,"all_expected_record_identities_approved":false},"publication_reason":"market-derived display is not approved for every expected canonical record","tier_authority":false,"authority_reason":"admitted canonical records 0/25","authority_scope":"complete_expected_name_aggregate","coverage_complete":true,"coverage_reason":null,"missing_names":[],"unexpected_names":[],"fresh_names":25,"stale_names":0,"future_dated_names":0,"unclocked_names":0,"knowledge_authorized_names":25,"admission_authorized_names":0,"publication_authorized_names":0,"tier_authorized_names":0,"source":"Yahoo Finance daily closes (auto-adjusted)","names":["au-sfb","bajaj-finance","can-fin-homes","cholamandalam","city-union-bank","creditaccess-grameen","equitas-sfb","esaf-sfb","federal-bank","five-star","fusion-finance","idbi-bank","indusind-bank","jana-sfb","lic-housing-finance","mahindra-finance","mas-financial","muthoot-finance","muthoot-microfin","rbl-bank","satin-creditcare","shriram-transport-finance","spandana-sphoorty","ugro-capital","utkarsh-sfb"],"errors":{}},"method_note":"Review tiers are paused (tiers paused, research only) since 2026-11-03: no tier, colour, grade or tier count is published, and each row's probabilities are research only. One row per institution with a fresh vetted public dossier (nothing older than 183 days for quarterly filings or 400 days for annual filings is presented as current; failed institutions are replayed on the Evidence tab instead). Components are replayed independently on the 48-institution construction-PIT record and fused only for presentation — the tier is a published rule over published components. PD levels are corpus-fitted and prior-corrected to a ~0.25%/yr population base rate (King-Zeng); the Merton PD is a market repricing signal, not a calibrated failure frequency. Stale, future-dated, or unclocked market readings remain visible but have no signal or tier authority. The conformal alarm is retained as a diagnostic, but its historical tier wiring is suspended and it has no score or tier authority pending prospective revalidation. Institutions without vetted dossiers are absent by design: nothing here is scored from memory. Newer accepted bank filing reviews are returned separately as current_disclosures; they do not inherit historical model scores or enter the training corpus. Corpus cohort labels such as healthy_control describe historical calibration membership.","tier_publication":{"state":"paused","since":"2026-11-03","decided_by":"founder","label":"tiers paused, research only","reason":"Re-dating three co-operative bank failures to their onset removed a mis-dated training event from the hazard panel. The refit model's out-of-time discrimination fell (current figures at /api/failure-radar/validation) and the refit alone would move institutions between tiers. Tiers stay unpublished until the model re-validates.","revalidation_condition":"the hazard model passes an out-of-time validation against thresholds the founder sets and records in this policy before any tier, colour, grade or tier count is published again"},"pd_note":"research only: a corpus-calibrated probability shown while review tiers are paused; not a tier, rating or grade","pd_interval":{"available":false,"reason":"the hazard model publishes point PDs only; its model-level uncertainty (an institution-clustered AUC interval) is at /api/failure-radar/validation"},"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>'."}}