One category of lending on this bank’s filings is more than five times its core capital cushion. That is a concentration to examine, not a prediction that the bank will fail.

The parts with enough history did not change category. Most market sections still do not have enough observations to score, so “quiet” cannot be read as “all clear.”

Numbers, explanations, and jokes belong in separate drawers. Here is how this desk decides what can cross from one drawer to another.

Four names on this specific, freshly checked list need more attention than the green group. The list is not the whole Indian financial system.