> ## Documentation Index > Fetch the complete documentation index at: https://docs.fincept.in/llms.txt > Use this file to discover all available pages before exploring further. # Calculate Liquidity Coverage Ratio > Calculates the Basel III Liquidity Coverage Ratio (LCR), which measures a bank's ability to withstand a 30-day liquidity stress scenario. Formula: LCR = HQLA / Net Cash Outflows. High-Quality Liquid Assets (HQLA) are weighted by level: Level 1 at 100% (cash, central bank reserves, sovereigns), Level 2A at 85% (high-quality corporate bonds), Level 2B at 50% (lower-rated corporate bonds, equities). Outflows are haircut by stability (retail deposits 5-10%, wholesale 25%, etc.). Minimum regulatory requirement is 100%. Use this for monthly liquidity reporting, funding strategy, and regulatory compliance. [Tier: ENTERPRISE, Credits: 10] ## OpenAPI ````yaml api-specs/regulatory.json post /quantlib/regulatory/liquidity/lcr openapi: 3.1.0 info: title: FinceptQuantLib API - Regulatory description: >- Pro-tier regulatory compliance and capital adequacy endpoints covering Basel III capital ratios and RWA calculations, SA-CCR counterparty credit risk exposure metrics, IFRS 9 expected credit loss provisioning, liquidity coverage ratios (LCR/NSFR), and stress testing capital projections. All endpoints require Pro tier access and consume 5 credits per request. version: 3.0.0 contact: name: Fincept API Support url: https://fincept.in servers: - url: https://api.fincept.in description: Fincept API Production Server security: - APIKeyHeader: [] tags: - name: quantlib-regulatory description: >- Regulatory compliance and capital adequacy calculations for Basel III, SA-CCR, IFRS 9, liquidity ratios, and stress testing. Pro tier required. x-displayName: Regulatory paths: /quantlib/regulatory/liquidity/lcr: post: tags: - quantlib-regulatory summary: Calculate Liquidity Coverage Ratio description: >- Calculates the Basel III Liquidity Coverage Ratio (LCR), which measures a bank's ability to withstand a 30-day liquidity stress scenario. Formula: LCR = HQLA / Net Cash Outflows. High-Quality Liquid Assets (HQLA) are weighted by level: Level 1 at 100% (cash, central bank reserves, sovereigns), Level 2A at 85% (high-quality corporate bonds), Level 2B at 50% (lower-rated corporate bonds, equities). Outflows are haircut by stability (retail deposits 5-10%, wholesale 25%, etc.). Minimum regulatory requirement is 100%. Use this for monthly liquidity reporting, funding strategy, and regulatory compliance. [Tier: ENTERPRISE, Credits: 10] operationId: liquidity_lcr requestBody: required: true content: application/json: schema: type: object required: - hqla_level1 properties: hqla_level1: type: number description: >- Level 1 HQLA: cash, central bank reserves, high-quality sovereign bonds (100% weight) example: 150000000 hqla_level2a: type: number description: >- Level 2A HQLA: high-quality corporate bonds, covered bonds (85% weight) default: 0 example: 30000000 hqla_level2b: type: number description: >- Level 2B HQLA: lower-rated corporate bonds, equities (50% weight, capped at 15% of total HQLA) default: 0 example: 10000000 retail_deposits_stable: type: number description: >- Stable retail deposits (insured, transactional) - 5% runoff assumption default: 0 example: 500000000 retail_deposits_less_stable: type: number description: >- Less stable retail deposits (non-transactional, high-value) - 10% runoff assumption default: 0 example: 200000000 unsecured_wholesale: type: number description: >- Unsecured wholesale funding (operational deposits, non-financial corporates) - 25% runoff default: 0 example: 100000000 secured_funding: type: number description: >- Secured funding maturing within 30 days - 15% runoff assumption default: 0 example: 50000000 other_outflows: type: number description: >- Other contractual outflows (derivatives, commitments, debt maturities) default: 0 example: 20000000 inflows: type: number description: >- Expected cash inflows within 30 days (capped at 75% of outflows) default: 0 example: 30000000 examples: regional_bank_compliant: summary: Regional bank - LCR compliant value: hqla_level1: 150000000 hqla_level2a: 30000000 hqla_level2b: 10000000 retail_deposits_stable: 500000000 retail_deposits_less_stable: 200000000 unsecured_wholesale: 100000000 secured_funding: 50000000 other_outflows: 20000000 inflows: 30000000 wholesale_bank: summary: Wholesale-funded bank value: hqla_level1: 80000000 hqla_level2a: 20000000 retail_deposits_stable: 50000000 unsecured_wholesale: 300000000 secured_funding: 150000000 inflows: 40000000 responses: '200': description: LCR calculated successfully content: application/json: schema: type: object properties: success: type: boolean example: true data: type: object properties: lcr: type: number description: 'Liquidity Coverage Ratio (minimum requirement: 100%)' example: 1.8529411764705883 hqla: type: number description: Total weighted High-Quality Liquid Assets example: 180500000 net_outflows: type: number description: Net cash outflows over 30-day stress period example: 97500000 compliant: type: boolean description: Whether LCR meets minimum 100% requirement example: true examples: compliant: summary: LCR compliant bank value: success: true data: lcr: 1.8529411764705883 hqla: 180500000 net_outflows: 97500000 compliant: true '401': $ref: '#/components/responses/UnauthorizedError' '402': $ref: '#/components/responses/InsufficientCreditsError' '422': $ref: '#/components/responses/ValidationError' components: responses: UnauthorizedError: description: Authentication information is missing or invalid content: application/json: schema: type: object properties: detail: type: string example: Invalid API key InsufficientCreditsError: description: Insufficient API credits to complete request content: application/json: schema: type: object properties: detail: type: string example: Insufficient credits. This endpoint requires 5 credits. ValidationError: description: Request validation error content: application/json: schema: type: object properties: detail: type: array items: type: object properties: loc: type: array items: type: string msg: type: string type: type: string example: detail: - loc: - body - cet1_capital msg: field required type: value_error.missing securitySchemes: APIKeyHeader: type: apiKey in: header name: X-API-Key description: >- API key for authentication. Get your key at https://api.fincept.in/auth/register ````