Banking Command Center
What changed · why it changed · who benefits. Medians across 41 listed lenders; system aggregates are listed-bank sums, not RBI totals.
Latest fiscal year: FY2026
Credit growth
17.3%
+3.1%vs FY-1
Deposit growth
13.3%
+1.7%vs FY-1
Credit − deposit
+4.0pp
funding pressure
Credit/deposit
84.3%
NIM
3.6%
ROA
1.1%
-0.1%vs FY-1
Gross NPA
1.9%
-0.8%vs FY-1
Sector P/B
1.03x
-0.1%vs FY-1
Credit vs deposit growth (median, listed banks)
§20 — medians across the 41 listed lenders, FY17–FY26
Credit growth − deposit growth
§6 — the central funding indicator. Positive = credit outrunning deposits.
Positive inflections (223)
§24 — generated deterministically from data rules, not interpretation
- ▲ESAF Small Finance — Net Interest Margin +31.7% YoY to 7.90
- ▲Bank Of India — Capital to Risks Assets Ratio (CRAR) at 18.69 — 97th percentile of its own history (multi-year high)
- ▲ESAF Small Finance — Gross NPA -28.0% YoY to 5.40
- ▲ESAF Small Finance — Net NPA at 0.80 — 0th percentile of its own history (multi-year low)
- ▲ESAF Small Finance — Net NPA -78.9% YoY to 0.80
- ▲DCB Bank — Net NPA -31.1% YoY to 0.84
- ▲Bank of Maharashtra — Gross NPA at 1.45 — 0th percentile of its own history (multi-year low)
- ▲Bank of Maharashtra — Gross NPA -16.7% YoY to 1.45
Negative inflections (54)
§24 — rules: percentile extremes, 3-period acceleration, growth vs system
- ▼Dhanlaxmi Bank — Fresh Slippages - Quarterly +99.9% YoY to 46.22
- ▼Bank of Maharashtra — Fresh Slippages - Quarterly +22.1% YoY to 888.00
- ▼DCB Bank — CASA Ratio at 21.65 — 1th percentile of its own history (multi-year low)
- ▼Equitas Small Fin. — Capital to Risks Assets Ratio (CRAR) at 19.44 — 4th percentile of its own history (multi-year low)
- ▼Equitas Small Fin. — CASA Ratio at 25.00 — 4th percentile of its own history (multi-year low)
- ▼CSB Bank — CASA Ratio at 19.41 — 0th percentile of its own history (multi-year low)
- ▼CSB Bank — CASA Ratio -17.4% YoY to 19.41
- ▼State Bank Of India — CASA Ratio at 39.24 — 6th percentile of its own history (multi-year low)
Fastest loan growth
§10 latest FY
| 1 | Fino Payments Bank | Payments | 142.9% |
| 2 | Ujjivan Small Fin | Small | 26.7% |
| 3 | City Union Bank | Mid/Small | 26.5% |
| 4 | CSB Bank | Mid/Small | 26.5% |
| 5 | AU Small Fin. Bank | Small | 25.4% |
| 6 | Indian Overseas Bank | Public | 24.9% |
| 7 | Dhanlaxmi Bank | Mid/Small | 24.7% |
| 8 | Jana Small Fin. Bank | Small | 24.6% |
Gaining advances share
§11 1Y change, pp
| 1 | State Bank Of India | Public | +0.6% |
| 2 | Axis Bank | Large | +0.2% |
| 3 | Bank Of Baroda | Public | +0.1% |
| 4 | Indian Overseas Bank | Public | +0.1% |
| 5 | ICICI Bank | Large | +0.1% |
| 6 | Canara Bank | Public | +0.1% |
| 7 | Bank Of India | Public | +0.1% |
| 8 | Bank of Maharashtra | Public | +0.1% |
Highest ROA
§13 computed bridge
| 1 | IDBI Bank | Private | 2.1% |
| 2 | Kotak Mahindra Bank | Large | 2.0% |
| 3 | Karur Vysya Bank | Mid/Small | 2.0% |
| 4 | ICICI Bank | Large | 2.0% |
| 5 | Tamilnad Mercantile | Mid/Small | 1.9% |
| 6 | Bank of Maharashtra | Public | 1.8% |
| 7 | HDFC Bank | Large | 1.6% |
| 8 | City Union Bank | Mid/Small | 1.5% |
Worst asset quality
§12 gross NPA, highest first
| 1 | Tamilnad Mercantile | Mid/Small | 0.7% |
| 2 | Karur Vysya Bank | Mid/Small | 0.7% |
| 3 | HDFC Bank | Large | 1.2% |
| 4 | Kotak Mahindra Bank | Large | 1.2% |
| 5 | Axis Bank | Large | 1.3% |
| 6 | RBL Bank | Mid/Small | 1.3% |
| 7 | Yes Bank | Mid/Small | 1.3% |
| 8 | Indian Overseas Bank | Public | 1.3% |
ROE vs Price/Book
§18 — bubble size ∝ ROE magnitude. Click a bubble to open the bank.
What is Buoyant doing?
§31 — proprietary ratings and prob-weighted targets
| Bank | Rating | CMP | PW TP | Upside |
|---|---|---|---|---|
| HDFC Bank | BUY | 711 | 900 | +26.7% |
| ICICI Bank | HOLD | 1428 | 1417 | -0.7% |
| Axis Bank | BUY | 1266 | 1464 | +15.6% |
| Kotak Mahindra Bank | REDUCE | 423 | 393 | -7.0% |
| Rating bands: BUY >= +15% expected 12-15m total return; ADD +5 to +15%; HOLD -5 to +5%; REDUCE -15 to -5%; SELL < -15%. Rating uses probability-weighted TP plus dividend. | 0 | 0 | 0.0% | |
| Colour code in other sheets: blue font = analyst input assumption; yellow fill = estimate; white = historical (sourced). This workbook is a values export of the Buoyant driver model (Python); cells are not formula-linked — change inputs in the model, not here. | 0 | 0 | 0.0% |
Buoyant Capital internal estimates, valuation date 7-Sep-2026. Covers the large-4 private banks only.
Where is credit going? The sectoral credit map (§5) is not shown because Tijori exposes only two credit lines over ten months — insufficient to build an agriculture/industry/services/retail tree. Product-level share is on Credit; the required RBI feed is specified in Data Catalogue. No placeholder data has been fabricated.