{
 "name": "BankPulse Bank Health Scorecard",
 "generated_at": "19 Jun 2026, 15:03 IST",
 "generated_at_iso": "2026-06-19T15:03:26+05:30",
 "dateModified": "2026-06-19T15:03:26+05:30",
 "composite_score_0_100": 86,
 "band": "Resilient",
 "methodology": "Weighted blend of five RBI-published prudential pillars normalised to 0-100; indicative analytical index, not a regulatory rating.",
 "count": 5,
 "dashboard": "https://bankpulse.ai/dashboards/bank-health/",
 "source": "RBI Financial Stability Report (December 2024), system-level scheduled commercial banks",
 "official_source": "https://www.rbi.org.in/Scripts/PublicationReportDetails.aspx?UrlPage=&ID=1271",
 "reviewed_by": "Vikram Jain",
 "pillars": [
  {
   "pillar": "Capital adequacy (CRAR)",
   "value": 16.7,
   "unit": "%",
   "sub_score_0_100": 92,
   "weight": 0.25,
   "note": "Well above the 11.5% regulatory minimum (incl. capital conservation buffer).",
   "rbi_metric": "Capital to Risk-weighted Assets Ratio (CRAR)",
   "regulatory_floor": "Minimum 11.5% (9% minimum + 2.5% capital conservation buffer)"
  },
  {
   "pillar": "Asset quality (GNPA)",
   "value": 2.6,
   "unit": "%",
   "sub_score_0_100": 88,
   "weight": 0.25,
   "note": "Gross NPA ratio at a multi-decade low; net NPA just 0.6%.",
   "rbi_metric": "Gross NPA ratio (IRAC asset-classification norms)",
   "regulatory_floor": "No floor — lower is better; accounts turn NPA at 90 days overdue"
  },
  {
   "pillar": "Provisioning cover (PCR)",
   "value": 77.0,
   "unit": "%",
   "sub_score_0_100": 80,
   "weight": 0.15,
   "note": "Provision coverage strong, cushioning residual stressed assets.",
   "rbi_metric": "Provision Coverage Ratio (PCR)",
   "regulatory_floor": "No standing floor; RBI macro-prudential benchmark around 70%"
  },
  {
   "pillar": "Profitability (RoA)",
   "value": 1.4,
   "unit": "%",
   "sub_score_0_100": 85,
   "weight": 0.2,
   "note": "Return on assets at a multi-year high, aiding internal capital generation.",
   "rbi_metric": "Return on Assets (RoA)",
   "regulatory_floor": "No floor — above ~1% is generally read as a well-run bank"
  },
  {
   "pillar": "Liquidity (LCR)",
   "value": 128.0,
   "unit": "%",
   "sub_score_0_100": 78,
   "weight": 0.15,
   "note": "Liquidity coverage comfortably above the 100% requirement.",
   "rbi_metric": "Liquidity Coverage Ratio (LCR)",
   "regulatory_floor": "Minimum 100% (fully phased in)"
  }
 ],
 "bank_group": [
  {
   "group": "Public sector",
   "gnpa_pct": 3.3,
   "crar_pct": 15.4
  },
  {
   "group": "Private sector",
   "gnpa_pct": 1.8,
   "crar_pct": 17.2
  },
  {
   "group": "Foreign banks",
   "gnpa_pct": 1.2,
   "crar_pct": 19.0
  }
 ],
 "trend": [
  {
   "period": "Sep 2022",
   "crar_pct": 16.0,
   "gnpa_pct": 5.0,
   "roa_pct": 1.0
  },
  {
   "period": "Mar 2023",
   "crar_pct": 16.1,
   "gnpa_pct": 3.9,
   "roa_pct": 1.1
  },
  {
   "period": "Sep 2023",
   "crar_pct": 16.8,
   "gnpa_pct": 3.2,
   "roa_pct": 1.3
  },
  {
   "period": "Mar 2024",
   "crar_pct": 16.8,
   "gnpa_pct": 2.8,
   "roa_pct": 1.3
  },
  {
   "period": "Sep 2024 (latest)",
   "crar_pct": 16.7,
   "gnpa_pct": 2.6,
   "roa_pct": 1.4
  }
 ]
}