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 |
|---|---|---|---|---|
| 27 Dec | 0 | 0 | 0 | 0 |
| 3 Jan | 2 | 0 | 0 | 2 |
| 10 Jan | 3 | 1 | 0 | 2 |
| 17 Jan | 2 | 0 | 1 | 1 |
| 24 Jan | 9 | 7 | 1 | 1 |
| 31 Jan | 5 | 3 | 1 | 1 |
| 7 Feb | 2 | 0 | 1 | 1 |
| 14 Feb | 7 | 4 | 1 | 2 |
| 21 Feb | 6 | 3 | 0 | 3 |
| 28 Feb | 6 | 2 | 1 | 3 |
| 7 Mar | 15 | 4 | 6 | 5 |
| 14 Mar | 9 | 6 | 2 | 1 |
| 21 Mar | 3 | 2 | 0 | 1 |
| 28 Mar | 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 account for most of the penalty-value decline
Disclosed penalty value fell to ₹1.74 crore from ₹14.06 crore in Q4 2021, a decline of ₹12.32 crore. Banks accounted for 64.2% of that decline, with current value ₹0 against ₹7.91 crore previously.
Penalty amounts shifted towards a smaller upper tail
The median disclosed penalty was ₹2.0 lakh, down from ₹4.0 lakh in Q4 2021, while the maximum was ₹48.0 lakh against ₹2.00 crore. The 90th percentile was ₹10.0 lakh, compared with ₹1.00 crore previously.
Severe actions made up a smaller share of the period’s activity
There were 23 severe actions, or 33.3% of the total, down from 36 actions and 54.5% in Q4 2021. The period included 6 cancellation actions against 1 previously, while supersession actions were 0 against 2.
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 penalty46 · 66.7%
Previous 37 · 56.1%
- Business restriction17 · 24.6%
Previous 22 · 33.3%
- Licence cancellation6 · 8.7%
Previous 1 · 1.5%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action55 · 79.7%
Previous 46 · 69.7%
- Extension14 · 20.3%
Previous 17 · 25.8%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank63 · 91.3%
Previous 49 · 74.2%
- NBFC3 · 4.3%
Previous 5 · 7.6%
- Payment entity3 · 4.3%
Previous 4 · 6.1%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure31 · 44.9%
Previous 25 · 37.9%
- Capital & exposure norms27 · 39.1%
Previous 23 · 34.8%
- Governance & oversight18 · 26.1%
Previous 21 · 31.8%
- Other15 · 21.7%
Previous 14 · 21.2%
- Lending norms14 · 20.3%
Previous 13 · 19.7%
- Customer protection13 · 18.8%
Previous 14 · 21.2%
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 SBPP Co-operative Bank Limited, Killa Pardi, Gujarat
7 Mar 2022₹48.0 lakhmonetary penaltySBPP Co-operative Bank Limited, Killa Pardi, Gujarat
This was the period’s largest disclosed penalty. The action concerned non-compliance with RBI directions on interest rate on deposits and KYC requirements.
Cancellation of Certificate of Authorisation
4 Jan 2022licence cancellationThis record was the period’s widest order. RBI cancelled the Certificate of Authorisation of the mentioned Payment System Operator(s) under the Payment and Settlement Systems Act, 2007.
Reserve Bank of India cancels the license of People’s Co-operative Bank Limited, Kanpur, Uttar Pradesh
21 Mar 2022licence cancellationPeople’s Co-operative Bank Limited, Kanpur, Uttar Pradesh
This was the period’s highest-severity single-entity action. RBI cancelled the bank’s licence because it lacked adequate capital and earning prospects and did not comply with key licensing requirements under the Banking Regulation Act. RBI also said continuance of the bank was prejudicial to depositors and public interest.
What It Cost
46 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹48 L
- Top five
- ₹96.83 L
- 95th percentile
- ₹12 L
Previous ₹4 L
Previous ₹2 cr
Previous ₹7.75 cr
Previous ₹1.95 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 | ₹0 | ₹7.91 cr | 64.2% |
| Payment entity | ₹14.83 L | ₹4 cr | 31.3% |
| Co-operative bank | ₹1.47 cr | ₹1.95 cr | 3.9% |
| NBFC | ₹12.5 L | ₹20 L | 0.6% |
Entity Coverage
- Declared
- 69
- Names extracted
- 68
- Canonical links
- 68
- First seen
- 43
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
- 24
- Entities
- 23
- Expiring next
- 19
- Duplicate entity rows
- 1
Next expiry window: 1 Apr 2022–30 Jun 2022.