Failure replay ยท UCB

New India Co-operative Bank

Point-in-time replay of New India Co-operative Bank through the LiquiLens lenses, from the published three-market validation record. Each lens reads only what was public before the failure; nothing here is fitted after the fact.

Institution typeurban co-operative bank
Failure date on record2025-02-13
Fraud-masked booksThe record marks this failure as concealed by fraud: reported financials did not carry the distress, which balance-sheet lenses cannot see. It is excluded from the headline non-fraud recall and kept visible here. The record keeps its misses.

Action-zone replay (distance to PCA/SAF)

First entered the SAF trigger zone (UCB supervisory action framework) in FY2021 (period ending 2021-03-31), breaching: NNPA. That is 47 months before the failure date.

Funding-fragility replay (liability side)

No funding-side signal before failure on this record, shown as a miss.

Context for these two lenses (cohort recall, leads, controls and the misses) is on the replay index and the research page.