City Union Bank Limited (CUB) — Defensive Interval Ratio

Latest as of September 2025: 309 days

City Union Bank Limited (CUB) has a Defensive Interval Ratio of 309 days as of September 2025. Defensive assets of Rs543.60 Million (cash Rs-, short-term investments Rs-, receivables Rs543.60 Million) cover 309 days of daily cash needs of Rs1.76 Million/day.

Defensive Interval Ratio

309 days
Days of operational coverage

Defensive Assets

Rs543.60 Million
Cash + ST Investments + Receivables

Daily Cash Need

Rs1.76 Million
Current Liabilities ÷ 365

Current Liabilities

Rs641.77 Million
INR

City Union Bank Limited Defensive Interval Ratio (2013–2025)

This chart shows how City Union Bank Limited's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of September 2025, the ratio stands at 309 days, meaning defensive assets of Rs543.60 Million can fund 309 days of operations without new revenue. For the complete balance sheet picture, see CUB asset base.

Annual Defensive Interval Ratio for City Union Bank Limited (2013–2025)

The table below presents the year-by-year Defensive Interval Ratio for City Union Bank Limited from 2013 to 2025, covering 13 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See City Union Bank Limited (CUB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 3 days Rs4.91 Billion Rs1.75 Billion/day Rs- Rs- ▲ +70 days
2024 -67 days Rs-33.08 Billion Rs493.34 Million/day Rs- Rs-36.44 Billion ▲ +2859 days
2023 -2926 days Rs-22.69 Billion Rs7.75 Million/day Rs8.59 Million Rs-26.11 Billion ▲ +51 days
2022 -2977 days Rs-17.82 Billion Rs5.98 Million/day Rs10.16 Million Rs-21.42 Billion ▼ -329 days
2021 -2648 days Rs-16.76 Billion Rs6.33 Million/day Rs10.45 Million Rs-19.97 Billion ▼ -1046 days
2020 -1602 days Rs-11.73 Billion Rs7.32 Million/day Rs18.71 Million Rs-15.03 Billion ▼ -2219 days
2019 617 days Rs4.30 Billion Rs6.97 Million/day Rs19.97 Million Rs- ▼ -25 days
2018 642 days Rs3.83 Billion Rs5.97 Million/day Rs25.25 Million Rs- ▲ +20 days
2017 621 days Rs3.64 Billion Rs5.87 Million/day Rs33.61 Million Rs- ▲ +0 days
2016 621 days Rs3.82 Billion Rs6.16 Million/day Rs- Rs- ▼ -11 days
2015 631 days Rs3.68 Billion Rs5.83 Million/day Rs- Rs- ▼ -1017 days
2014 1649 days Rs4.87 Billion Rs2.95 Million/day Rs- Rs- ▼ -251 days
2013 1900 days Rs4.08 Billion Rs2.15 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)