AI × Banking
The knowledge base
India's bankers wish existed.
50+ banking terms in plain English. Visual explainers that cut through jargon. AI playbooks for real banking workflows. RBI circular summaries before your inbox catches up.
Glossary
Banking terms explained in plain English — NIM, GNPA, DSCR, CASA, and 50+ more.
Browse glossary →Explainers
How Indian banks actually make money. Visual breakdowns of complex banking concepts.
Read explainers →AI Playbooks
Prompt packs for credit analysts, product managers, and compliance officers using AI tools.
Get playbooks →RBI Circulars
Recent circulars summarised: what changed, who's impacted, and what action to take.
View circulars →Glossary
Banking terms decoded
CASA Ratio
Current Account + Savings Account deposits as a % of total deposits. The higher the CASA ratio, the cheaper a bank's cost of funds — and the stronger its NIM.
GlossaryDSCR (Debt Service Coverage Ratio)
Debt Service Coverage Ratio — cash available to service debt ÷ total debt service due. DSCR below 1.0x means the borrower can't service debt from operations.
GlossaryGNPA (Gross NPA)
Gross Non-Performing Assets — loans overdue by 90+ days as a % of total advances. The number every credit analyst watches obsessively. Lower is always better.
GlossaryNIM (Net Interest Margin)
The spread between what a bank earns on loans and what it pays on deposits. The single most important profitability metric in banking — every basis point moves markets.
AI Playbooks
Prompt packs for banking work
Credit Analyst Copilot — 4 prompts for CRAN analysis
Paste a balance sheet. Get back a structured credit risk assessment in 60 seconds.
Annual Report Decoder — extract key ratios in minutes
Upload any Indian bank's annual report. These 5 prompts pull NIM, GNPA trend, CASA, and fee income mix.
Compliance QA — summarise RBI circulars for your team
Turn a 20-page RBI circular into a 5-bullet action summary. Works with MS Copilot and ChatGPT.