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 Sept | 0 | 0 | 0 | 0 |
| 2 Sept | 0 | 0 | 0 | 0 |
| 3 Sept | 0 | 0 | 0 | 0 |
| 4 Sept | 0 | 0 | 0 | 0 |
| 5 Sept | 5 | 2 | 3 | 0 |
| 6 Sept | 2 | 0 | 0 | 2 |
| 7 Sept | 0 | 0 | 0 | 0 |
| 8 Sept | 2 | 0 | 0 | 2 |
| 9 Sept | 4 | 0 | 2 | 2 |
| 10 Sept | 1 | 0 | 0 | 1 |
| 11 Sept | 0 | 0 | 0 | 0 |
| 12 Sept | 1 | 0 | 1 | 0 |
| 13 Sept | 0 | 0 | 0 | 0 |
| 14 Sept | 0 | 0 | 0 | 0 |
| 15 Sept | 0 | 0 | 0 | 0 |
| 16 Sept | 0 | 0 | 0 | 0 |
| 17 Sept | 0 | 0 | 0 | 0 |
| 18 Sept | 0 | 0 | 0 | 0 |
| 19 Sept | 3 | 3 | 0 | 0 |
| 20 Sept | 0 | 0 | 0 | 0 |
| 21 Sept | 0 | 0 | 0 | 0 |
| 22 Sept | 2 | 0 | 1 | 1 |
| 23 Sept | 1 | 0 | 0 | 1 |
| 24 Sept | 0 | 0 | 0 | 0 |
| 25 Sept | 0 | 0 | 0 | 0 |
| 26 Sept | 11 | 7 | 4 | 0 |
| 27 Sept | 0 | 0 | 0 | 0 |
| 28 Sept | 0 | 0 | 0 | 0 |
| 29 Sept | 0 | 0 | 0 | 0 |
| 30 Sept | 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.
NBFC penalties drove almost all of the decline
Disclosed penalty value fell to ₹2.47 crore from ₹5.56 crore in August 2022, a decrease of ₹3.09 crore. NBFC penalties were ₹12.4 lakh against ₹3.16 crore, accounting for 98.2% of the decline.
Severe actions made up a smaller share than in August
Nine actions were severe, or 28.1%. In August 2022, 14 actions were severe, or 41.2%; September recorded 3 cancellations and no supersessions.
The five largest penalties made up most disclosed value
The 23 penalties totalled ₹2.47 crore. The largest was ₹59.1 lakh, and the five largest accounted for 79.1% of the total; the median penalty was ₹2.0 lakh.
Seven orders were due to expire in October
At the end of September, 45 orders remained in force across 42 entities. Seven were due to expire between 1 October 2022 and 31 October 2022.
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 penalty23 · 71.9%
Previous 22 · 64.7%
- Business restriction5 · 15.6%
Previous 7 · 20.6%
- Licence cancellation3 · 9.4%
Previous 4 · 11.8%
- Directive / prohibition1 · 3.1%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action27 · 84.4%
Previous 26 · 76.5%
- Extension5 · 15.6%
Previous 7 · 20.6%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank26 · 81.3%
Previous 27 · 79.4%
- NBFC4 · 12.5%
Previous 4 · 11.8%
- Bank2 · 6.3%
Previous 1 · 2.9%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure18 · 56.3%
Previous 19 · 55.9%
- Governance & oversight10 · 31.3%
Previous 7 · 20.6%
- Lending norms9 · 28.1%
Previous 6 · 17.6%
- Customer protection8 · 25%
Previous 5 · 14.7%
- Capital & exposure norms7 · 21.9%
Previous 11 · 32.4%
- KYC / AML5 · 15.6%
Previous 7 · 20.6%
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 Woori Bank
9 Sept 2022₹59.1 lakhmonetary penaltyWoori Bank
RBI imposed its largest disclosed penalty of the period on Woori Bank. The action concerned non-compliance with RBI directions on CRILC reporting and interest payment on deposits.
One NBFC surrender its Certificate of Registration to RBI
8 Sept 2022licence cancellationAn NBFC surrendered its Certificate of Registration, following which RBI cancelled the CoR under Section 45-IA(6) of the RBI Act, 1934.
RBI cancels the licence of The Laxmi Co-operative Bank Limited, Solapur, Maharashtra
22 Sept 2022licence cancellationThe Laxmi Co-operative Bank Limited, Solapur, Maharashtra
RBI cancelled the licence of The Laxmi Co-operative Bank Limited, Solapur, Maharashtra, citing inadequate capital and earning prospects and failures to meet statutory licensing requirements.
What It Cost
23 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹59.1 L
- Top five
- ₹1.95 cr
- Percentiles
- Suppressed
Previous ₹8.5 L
Previous ₹2.33 cr
Previous ₹4.42 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 |
|---|---|---|---|
| NBFC | ₹12.35 L | ₹3.16 cr | 98.2% |
| Bank | ₹95.1 L | ₹32 L | -20.4% |
| Co-operative bank | ₹1.39 cr | ₹2.02 cr | 20.3% |
| Payment entity | ₹0 | ₹5.93 L | 1.9% |
Entity Coverage
- Declared
- 32
- Names extracted
- 30
- Canonical links
- 30
- First seen
- 17
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Some source records declare entities but contain no extracted names.
Orders Still in Force
- Orders
- 45
- Entities
- 42
- Expiring next
- 7
- Duplicate entity rows
- 3
Next expiry window: 1 Oct 2022–31 Oct 2022.