When Action Arrived
Published action records across the covered window, split into RegOversight severity bands. Empty intervals remain visible.
| Interval | Total | S0–S1 · lifted / low | S2–S3 · moderate / high | S4–S5 · major / severe |
|---|---|---|---|---|
| 1 Jul | 0 | 0 | 0 | 0 |
| 2 Jul | 0 | 0 | 0 | 0 |
| 3 Jul | 0 | 0 | 0 | 0 |
| 4 Jul | 6 | 4 | 0 | 2 |
| 5 Jul | 0 | 0 | 0 | 0 |
| 6 Jul | 0 | 0 | 0 | 0 |
| 7 Jul | 1 | 0 | 0 | 1 |
| 8 Jul | 7 | 0 | 1 | 6 |
| 9 Jul | 0 | 0 | 0 | 0 |
| 10 Jul | 0 | 0 | 0 | 0 |
| 11 Jul | 4 | 1 | 2 | 1 |
| 12 Jul | 2 | 0 | 0 | 2 |
| 13 Jul | 0 | 0 | 0 | 0 |
| 14 Jul | 0 | 0 | 0 | 0 |
| 15 Jul | 1 | 0 | 0 | 1 |
| 16 Jul | 0 | 0 | 0 | 0 |
| 17 Jul | 0 | 0 | 0 | 0 |
| 18 Jul | 2 | 0 | 1 | 1 |
| 19 Jul | 2 | 0 | 0 | 2 |
| 20 Jul | 0 | 0 | 0 | 0 |
| 21 Jul | 0 | 0 | 0 | 0 |
| 22 Jul | 5 | 0 | 0 | 5 |
| 23 Jul | 0 | 0 | 0 | 0 |
| 24 Jul | 0 | 0 | 0 | 0 |
| 25 Jul | 3 | 1 | 2 | 0 |
| 26 Jul | 0 | 0 | 0 | 0 |
| 27 Jul | 1 | 0 | 0 | 1 |
| 28 Jul | 7 | 4 | 0 | 3 |
| 29 Jul | 3 | 0 | 0 | 3 |
| 30 Jul | 0 | 0 | 0 | 0 |
| 31 Jul | 0 | 0 | 0 | 0 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
Banks accounted for most of the increase in disclosed penalty value
Disclosed penalty value rose by ₹10.79 crore, from ₹1.49 crore in June 2022 to ₹12.28 crore in July 2022. Banks contributed ₹9.05 crore in July 2022 and accounted for 76.0% of the increase, compared with ₹85.0 lakh in June 2022.
Severe actions made up a larger share of the month’s records
There were 28 severe actions in July 2022, representing 63.6% of records, compared with 8 and 50.0% in June 2022. The month included 2 cancellations, against 3 in June 2022.
Disclosed penalties were concentrated in a small top tier
The largest disclosed penalty was ₹5.72 crore, equal to 46.6% of the ₹12.28 crore total. The top five accounted for 82.6%, while the median penalty was ₹2.5 lakh.
Most entities in the records appeared for the first time
Of 47 distinct entities, 27 were first-time entities and 20 were returning. First-time entities made up 57.4% of the total.
What RBI Did and Where It Landed
Amber bars show the current mix. The fine marker shows the comparable earlier period, so a change is visible rather than merely asserted.
Action mix
Primary recorded action category.
- Monetary penalty22 · 50%
Previous 8 · 50%
- Business restriction20 · 45.5%
Previous 4 · 25%
- Licence cancellation2 · 4.5%
Previous 3 · 18.8%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action41 · 93.2%
Previous 11 · 68.8%
- Extension3 · 6.8%
Previous 4 · 25%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank36 · 81.8%
Previous 12 · 75%
- Bank5 · 11.4%
Previous 2 · 12.5%
- NBFC2 · 4.5%
Previous 1 · 6.3%
- Payment entity1 · 2.3%
Previous 1 · 6.3%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Capital & exposure norms20 · 45.5%
Previous 3 · 18.8%
- Reporting & disclosure20 · 45.5%
Previous 6 · 37.5%
- Customer protection18 · 40.9%
Previous 2 · 12.5%
- Lending norms13 · 29.5%
Previous 4 · 25%
- Other13 · 29.5%
Previous 4 · 25%
- KYC / AML12 · 27.3%
Previous 4 · 25%
Defining Actions
Up to four non-duplicative actions selected for monetary impact, breadth, severity or relief. Quiet periods may show fewer.
RBI imposes monetary penalty on Federal Bank Limited
8 Jul 2022₹5.72 croremonetary penaltyFederal Bank Ltd.
Federal Bank Ltd. received the largest disclosed penalty, ₹5.72 crore. The bank failed to ensure that no incentive was paid to staff engaged in insurance broking/corporate agency services by the insurance company.
RBI cancels Certificate of Registration of four NBFCs
12 Jul 2022licence cancellationKanva Shree Credit Private Limited
RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies can no longer transact business as non-banking financial institutions.
Reserve Bank of India cancels the license of Shri Anand Co-operative Bank Ltd., Chinchwad, Pune
7 Jul 2022licence cancellationShri Anand Co-operative Bank Ltd., Chinchwad, Pune
RBI cancelled the bank’s licence because it lacked adequate capital and earning prospects and did not satisfy multiple Banking Regulation Act requirements. RBI also said the bank’s continuance was prejudicial to depositors and public interest.
What It Cost
22 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.5 L
- Largest
- ₹5.72 cr
- Top five
- ₹10.15 cr
- Percentiles
- Suppressed
Previous ₹6 L
Previous ₹57.5 L
Previous ₹1.46 cr
Too few priced actions for a stable tail estimate.
Change by entity type
Arithmetic attribution of the change in disclosed value. Contributions may exceed 100% or run in the opposite direction.
| Entity type | Current | Previous | Contribution |
|---|---|---|---|
| Bank | ₹9.05 cr | ₹85 L | 76% |
| Payment entity | ₹1.68 cr | ₹0 | 15.6% |
| Co-operative bank | ₹1.55 cr | ₹64.25 L | 8.4% |
| NBFC | ₹76,000 | ₹0 | 0.1% |
Entity Coverage
- Declared
- 47
- Names extracted
- 47
- Canonical links
- 47
- First seen
- 27
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 46
- Entities
- 42
- Expiring next
- 8
- Duplicate entity rows
- 4
Next expiry window: 1 Aug 2022–31 Aug 2022.