Screen 3 — Banks, NBFCs and Housing-Finance Companies

These are starting thresholds for identifying profitable lenders, not universal definitions of financial quality. ROA varies between banks, NBFCs and housing financiers, so compare any shortlisted company primarily with peers in the same category. For every stock that passes, we must separately check GNPA/NNPA, slippages, credit costs, capital adequacy, loan growth, deposit/funding costs and the trend in profitability. If those metrics are not exposed as Tickertape filters in your current interface, review them manually in the company results.