How the health check works
Figures come only from annual reports we have checked page by page. Each figure is compared with a reference. There is no overall score.
| Measure | Better | Worse | Red flag | For context |
|---|---|---|---|---|
| Gross NPA | At or below reference | Above reference | – | No reference yet |
| Net NPA | At or below reference | Above reference, below 6% | 6% or more (RBI PCA trigger for co-op banks) | No reference yet |
| Return on assets | At or above reference | 0 up to reference | Loss | No reference yet |
| Profit record, last 3 years | Profit every year shown | A loss, but not 2 in a row | Losses in 2 consecutive years | Fewer than 2 years |
| Audit class | A | C | D | B |
| CRAR (co-op banks) | At or above the minimum | – | Below the minimum (9% Tier 1, 12% Tiers 2 to 4) | Tier not known |
| Loans to deposits | – | – | – | Always |
| Deposit cover | DICGC | State scheme in force | None, or scheme not live | – |
| Status | Functional | Dormant | Under liquidation | – |
References
- Co-op bank average, gross NPA (RBI FSR)5.2%
- Co-op bank average, net NPA (RBI FSR)1.0%
- Co-op bank average, return on assets (RBI FSR)0.6%
- Co-op bank average, CRAR (RBI FSR)17.7%
- Commercial bank average, gross NPA (RBI FSR)1.8%
- Minimum CRAR, Tier 1 co-op banks (RBI)9.0%
- Minimum CRAR, Tier 2 to 4 co-op banks (RBI)12.0%
- RBI PCA trigger for co-op banks, net NPA6.0%
- DICGC cover per depositor, per bank₹5 lakh
For societies that are not banks, the reference is the median of reports we have checked: by state once we hold 30, for all of India once we hold 100. Until then the row is grey.
Figures from a report more than 2 financial years old are marked old and shown grey.