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 Aug | 0 | 0 | 0 | 0 |
| 2 Aug | 0 | 0 | 0 | 0 |
| 3 Aug | 0 | 0 | 0 | 0 |
| 4 Aug | 0 | 0 | 0 | 0 |
| 5 Aug | 3 | 0 | 1 | 2 |
| 6 Aug | 0 | 0 | 0 | 0 |
| 7 Aug | 0 | 0 | 0 | 0 |
| 8 Aug | 10 | 3 | 5 | 2 |
| 9 Aug | 0 | 0 | 0 | 0 |
| 10 Aug | 2 | 0 | 0 | 2 |
| 11 Aug | 0 | 0 | 0 | 0 |
| 12 Aug | 0 | 0 | 0 | 0 |
| 13 Aug | 0 | 0 | 0 | 0 |
| 14 Aug | 0 | 0 | 0 | 0 |
| 15 Aug | 0 | 0 | 0 | 0 |
| 16 Aug | 0 | 0 | 0 | 0 |
| 17 Aug | 2 | 0 | 1 | 1 |
| 18 Aug | 2 | 0 | 1 | 1 |
| 19 Aug | 0 | 0 | 0 | 0 |
| 20 Aug | 0 | 0 | 0 | 0 |
| 21 Aug | 0 | 0 | 0 | 0 |
| 22 Aug | 1 | 1 | 0 | 0 |
| 23 Aug | 1 | 0 | 0 | 1 |
| 24 Aug | 3 | 1 | 0 | 2 |
| 25 Aug | 0 | 0 | 0 | 0 |
| 26 Aug | 1 | 0 | 0 | 1 |
| 27 Aug | 0 | 0 | 0 | 0 |
| 28 Aug | 0 | 0 | 0 | 0 |
| 29 Aug | 8 | 1 | 6 | 1 |
| 30 Aug | 1 | 0 | 0 | 1 |
| 31 Aug | 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.
The severe-action share was lower than in July
There were 14 severe actions, 41.2% of actions, against 28, or 63.6%, in July 2022. The average severity score was 2.85, while cancellations numbered 4 against 2 previously.
Bank penalties drove the fall in disclosed value
Disclosed penalty value fell to ₹5.56 crore from ₹12.28 crore in July 2022, a decline of ₹6.72 crore. Bank penalties fell from ₹9.05 crore to ₹32.0 lakh, while NBFC penalties rose to ₹3.16 crore from ₹76,000 and co-operative bank penalties to ₹2.02 crore from ₹1.55 crore. The bank category's decrease exceeded the net decline; NBFC and co-operative bank values moved up.
Five penalty actions held most of the disclosed value
Of 22 monetary-penalty actions, the largest disclosed amount was ₹2.33 crore, or 41.9% of the ₹5.56 crore total. The top five accounted for 79.5%, while the median penalty was ₹8.5 lakh.
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 · 64.7%
Previous 22 · 50%
- Business restriction7 · 20.6%
Previous 20 · 45.5%
- Licence cancellation4 · 11.8%
Previous 2 · 4.5%
- Action lifted1 · 2.9%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action26 · 76.5%
Previous 41 · 93.2%
- Extension7 · 20.6%
Previous 3 · 6.8%
- Lifted / withdrawn1 · 2.9%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank27 · 79.4%
Previous 36 · 81.8%
- NBFC4 · 11.8%
Previous 2 · 4.5%
- Payment entity2 · 5.9%
Previous 1 · 2.3%
- Bank1 · 2.9%
Previous 5 · 11.4%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure19 · 55.9%
Previous 20 · 45.5%
- Capital & exposure norms11 · 32.4%
Previous 20 · 45.5%
- Governance & oversight7 · 20.6%
Previous 4 · 9.1%
- KYC / AML7 · 20.6%
Previous 12 · 27.3%
- Licensing breach7 · 20.6%
Previous 4 · 9.1%
- Lending norms6 · 17.6%
Previous 13 · 29.5%
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 Spandana Sphoorty Financial Limited, Hyderabad
8 Aug 2022₹2.33 croremonetary penaltySpandana Sphoorty Financial Limited, Hyderabad
The ₹2.33 crore penalty was the period's largest disclosed penalty. RBI imposed it on Spandana Sphoorty Financial Limited, Hyderabad for non-compliance with certain provisions of RBI’s NBFC Directions, specifically pricing of credit guidelines for NBFC-MFIs.
RBI cancels Certificate of Registration of Two NBFCs
8 Aug 2022licence cancellationAlarming Finvest Private Limited
The order cancelled the Certificate of Registration of two NBFCs under Section 45-IA(6) of the RBI Act, 1934. It was the period's widest order.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Rupee Co-operative Bank Ltd., Pune, Maharashtra – Extension of Period
26 Aug 2022licence cancellationRupee Co-operative Bank Ltd., Pune, Maharashtra
The record extends the directions applying to Rupee Co-operative Bank Ltd., Pune, Maharashtra, until September 22, 2022. It also notes that the bank's licence had been cancelled and would become effective after six weeks from August 10, 2022.
Reserve Bank of India lifts the business restrictions imposed on American Express Banking Corp
24 Aug 2022action liftedAmerican Express Banking Corp.
RBI lifted the business restrictions imposed on American Express Banking Corp. after it demonstrated satisfactory compliance with the 2018 storage-of-payment-system-data circular. The prior restriction on onboarding new domestic customers was therefore lifted.
What It Cost
22 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹8.5 L
- Largest
- ₹2.33 cr
- Top five
- ₹4.42 cr
- Percentiles
- Suppressed
Previous ₹2.5 L
Previous ₹5.72 cr
Previous ₹10.15 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 | ₹32 L | ₹9.05 cr | 129.8% |
| NBFC | ₹3.16 cr | ₹76,000 | -46.9% |
| Payment entity | ₹5.93 L | ₹1.68 cr | 24.1% |
| Co-operative bank | ₹2.02 cr | ₹1.55 cr | -7% |
Entity Coverage
- Declared
- 35
- Names extracted
- 35
- Canonical links
- 35
- First seen
- 18
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 47
- Entities
- 42
- Expiring next
- 5
- Duplicate entity rows
- 5
Next expiry window: 1 Sept 2022–30 Sept 2022.