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 Dec | 0 | 0 | 0 | 0 |
| 2 Dec | 1 | 0 | 1 | 0 |
| 3 Dec | 0 | 0 | 0 | 0 |
| 4 Dec | 0 | 0 | 0 | 0 |
| 5 Dec | 1 | 0 | 1 | 0 |
| 6 Dec | 2 | 0 | 0 | 2 |
| 7 Dec | 0 | 0 | 0 | 0 |
| 8 Dec | 0 | 0 | 0 | 0 |
| 9 Dec | 2 | 0 | 0 | 2 |
| 10 Dec | 1 | 0 | 0 | 1 |
| 11 Dec | 0 | 0 | 0 | 0 |
| 12 Dec | 13 | 10 | 3 | 0 |
| 13 Dec | 1 | 0 | 0 | 1 |
| 14 Dec | 0 | 0 | 0 | 0 |
| 15 Dec | 0 | 0 | 0 | 0 |
| 16 Dec | 0 | 0 | 0 | 0 |
| 17 Dec | 0 | 0 | 0 | 0 |
| 18 Dec | 0 | 0 | 0 | 0 |
| 19 Dec | 21 | 12 | 8 | 1 |
| 20 Dec | 0 | 0 | 0 | 0 |
| 21 Dec | 0 | 0 | 0 | 0 |
| 22 Dec | 0 | 0 | 0 | 0 |
| 23 Dec | 0 | 0 | 0 | 0 |
| 24 Dec | 0 | 0 | 0 | 0 |
| 25 Dec | 0 | 0 | 0 | 0 |
| 26 Dec | 1 | 0 | 1 | 0 |
| 27 Dec | 0 | 0 | 0 | 0 |
| 28 Dec | 0 | 0 | 0 | 0 |
| 29 Dec | 1 | 0 | 1 | 0 |
| 30 Dec | 0 | 0 | 0 | 0 |
| 31 Dec | 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 more than the increase in disclosed penalty value
Disclosed penalty value rose to ₹4.95 crore from ₹2.23 crore, a ₹2.72 crore increase. Banks recorded ₹3.08 crore across 2 actions, versus ₹0 across 0 actions in November 2022, equivalent to 113.3% of the change. This exceeds the total change because co-operative bank value moved in the opposite direction, to ₹1.73 crore across 35 actions from ₹2.23 crore across 18.
Severe actions formed a smaller share of the month’s records
There were 7 severe actions, or 15.9% of the total, compared with 12 and 41.4% in November 2022. Cancellation actions also fell to 1 from 3, while supersession actions remained at 0.
A small group of actions accounted for most disclosed penalty value
The largest penalty was ₹2.66 crore, equal to 53.8% of the ₹4.95 crore total. The top five penalties accounted for 84.0%, while the median penalty was ₹2.0 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 penalty38 · 86.4%
Previous 18 · 62.1%
- Business restriction5 · 11.4%
Previous 8 · 27.6%
- Licence cancellation1 · 2.3%
Previous 3 · 10.3%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action40 · 90.9%
Previous 21 · 72.4%
- Extension4 · 9.1%
Previous 8 · 27.6%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank40 · 90.9%
Previous 28 · 96.6%
- Bank2 · 4.5%
- NBFC1 · 2.3%
Previous 1 · 3.4%
- Payment entity1 · 2.3%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure33 · 75%
Previous 15 · 51.7%
- Capital & exposure norms21 · 47.7%
Previous 6 · 20.7%
- KYC / AML10 · 22.7%
Previous 4 · 13.8%
- Lending norms7 · 15.9%
Previous 8 · 27.6%
- Governance & oversight5 · 11.4%
Previous 9 · 31%
- Licensing breach4 · 9.1%
Previous 3 · 10.3%
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 Bank of Bahrain & Kuwait BSC, India Operations
19 Dec 2022₹2.66 croremonetary penaltyBank of Bahrain & Kuwait BSC, India Operations
Bank of Bahrain & Kuwait BSC, India Operations received the largest disclosed penalty in the period. RBI found multiple control gaps in its Cyber Security Framework that allowed an unauthorized intrusion to go undetected.
RBI cancels Certificate of Registration of two NBFCs
13 Dec 2022licence cancellationNedumpillil Financial Company Limited
RBI cancelled the Certificate of Registration of two NBFCs. The companies are no longer allowed to transact non-banking financial business.
Directions under Section 35A of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) – Sikar Urban Co-operative Bank Ltd, Sikar, Rajasthan- Extension of Validity
10 Dec 2022business restrictionSikar Urban Co-operative Bank Ltd.
RBI extended Sikar Urban Co-operative Bank Ltd.’s existing All-Inclusive Directions under Section 35A. The directions continue to apply from December 10, 2022 to March 09, 2023, with all other terms unchanged.
What It Cost
38 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹2.66 cr
- Top five
- ₹4.16 cr
- 95th percentile
- ₹50 L
Previous ₹2 L
Previous ₹1.25 cr
Previous ₹2.04 cr
Previous ₹1.25 cr
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 | ₹3.08 cr | ₹0 | 113.3% |
| Co-operative bank | ₹1.73 cr | ₹2.23 cr | -18.4% |
| Payment entity | ₹13.9 L | ₹0 | 5.1% |
Entity Coverage
- Declared
- 45
- Names extracted
- 45
- Canonical links
- 45
- First seen
- 30
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 42
- Entities
- 40
- Expiring next
- 21
- Duplicate entity rows
- 2
Next expiry window: 1 Jan 2023–31 Jan 2023.