> ## 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 Net Stable Funding Ratio > Calculates the Basel III Net Stable Funding Ratio (NSFR), which measures the stability of a bank's funding structure over a one-year horizon. Formula: NSFR = Available Stable Funding (ASF) / Required Stable Funding (RSF). ASF comes from stable funding sources (capital 100%, stable retail deposits 95%, less stable retail 90%, wholesale 50%). RSF represents the stability required for assets (cash 0%, Level 1 securities 5%, retail loans 85%, corporate loans 65%, other assets 100%). Minimum regulatory requirement is 100%. Use this for annual funding planning, structural liquidity management, and regulatory reporting. [Tier: ENTERPRISE, Credits: 10] ## OpenAPI ````yaml api-specs/regulatory.json post /quantlib/regulatory/liquidity/nsfr 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/nsfr: post: tags: - quantlib-regulatory summary: Calculate Net Stable Funding Ratio description: >- Calculates the Basel III Net Stable Funding Ratio (NSFR), which measures the stability of a bank's funding structure over a one-year horizon. Formula: NSFR = Available Stable Funding (ASF) / Required Stable Funding (RSF). ASF comes from stable funding sources (capital 100%, stable retail deposits 95%, less stable retail 90%, wholesale 50%). RSF represents the stability required for assets (cash 0%, Level 1 securities 5%, retail loans 85%, corporate loans 65%, other assets 100%). Minimum regulatory requirement is 100%. Use this for annual funding planning, structural liquidity management, and regulatory reporting. [Tier: ENTERPRISE, Credits: 10] operationId: liquidity_nsfr requestBody: required: true content: application/json: schema: type: object required: - capital properties: capital: type: number description: Regulatory capital (Tier 1 + Tier 2) - 100% ASF weight example: 100000000 stable_deposits_retail: type: number description: >- Stable retail deposits (insured, transactional) - 95% ASF weight default: 0 example: 400000000 less_stable_deposits_retail: type: number description: Less stable retail deposits - 90% ASF weight default: 0 example: 200000000 wholesale_funding: type: number description: Wholesale funding with maturity >= 1 year - 50% ASF weight default: 0 example: 150000000 cash_and_reserves: type: number description: Cash and central bank reserves - 0% RSF weight default: 0 example: 50000000 securities_level1: type: number description: >- Level 1 HQLA securities (sovereigns, central bank) - 5% RSF weight default: 0 example: 100000000 loans_retail: type: number description: Retail loans and mortgages - 85% RSF weight default: 0 example: 300000000 loans_corporate: type: number description: Corporate loans and other performing loans - 65% RSF weight default: 0 example: 250000000 other_assets: type: number description: >- Other assets (NPLs, fixed assets, deferred tax) - 100% RSF weight default: 0 example: 50000000 examples: retail_bank_compliant: summary: Retail-focused bank - NSFR compliant value: capital: 100000000 stable_deposits_retail: 400000000 less_stable_deposits_retail: 200000000 wholesale_funding: 150000000 cash_and_reserves: 50000000 securities_level1: 100000000 loans_retail: 300000000 loans_corporate: 250000000 other_assets: 50000000 corporate_bank: summary: Corporate-focused bank value: capital: 80000000 stable_deposits_retail: 100000000 less_stable_deposits_retail: 50000000 wholesale_funding: 300000000 cash_and_reserves: 30000000 securities_level1: 50000000 loans_retail: 50000000 loans_corporate: 400000000 other_assets: 20000000 responses: '200': description: NSFR calculated successfully content: application/json: schema: type: object properties: success: type: boolean example: true data: type: object properties: nsfr: type: number description: 'Net Stable Funding Ratio (minimum requirement: 100%)' example: 1.5168539325842696 available_stable_funding: type: number description: Total Available Stable Funding (ASF) example: 635000000 required_stable_funding: type: number description: Total Required Stable Funding (RSF) example: 418500000 compliant: type: boolean description: Whether NSFR meets minimum 100% requirement example: true examples: compliant: summary: NSFR compliant bank value: success: true data: nsfr: 1.5168539325842696 available_stable_funding: 635000000 required_stable_funding: 418500000 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 ````