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 |
|---|---|---|---|---|
| 26 Sept | 0 | 0 | 0 | 0 |
| 3 Oct | 5 | 1 | 3 | 1 |
| 10 Oct | 4 | 0 | 1 | 3 |
| 17 Oct | 7 | 3 | 1 | 3 |
| 24 Oct | 1 | 0 | 0 | 1 |
| 31 Oct | 9 | 2 | 5 | 2 |
| 7 Nov | 6 | 1 | 0 | 5 |
| 14 Nov | 10 | 7 | 2 | 1 |
| 21 Nov | 3 | 0 | 1 | 2 |
| 28 Nov | 10 | 2 | 5 | 3 |
| 5 Dec | 6 | 0 | 1 | 5 |
| 12 Dec | 14 | 10 | 3 | 1 |
| 19 Dec | 21 | 12 | 8 | 1 |
| 26 Dec | 2 | 0 | 2 | 0 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
Severe actions made up a smaller share of the quarter's records
The severe-action share was 28.6% in Q4 2022, down from 46.4% in Q3 2022, while severe actions fell from 51 to 28. Cancellations fell from 9 to 7, and there were no supersessions in either period.
Banks accounted for most of the decline in disclosed penalty value
The ₹9.61 crore decline in disclosed penalty value was split across entity types. Banks accounted for 75.3% of the decline, with ₹3.08 crore across 2 actions in Q4 2022 against ₹10.32 crore across 8 in Q3 2022.
The records covered more declared entities than action records
The 98 records declared 103 entities, rather than representing 103 separate records. The three listed largest orders declared 4, 2 and 2 entities, while the largest order declared 8.
Reporting and disclosure was the most common coded theme
Reporting and disclosure appeared in 59 records, or 60.2% of 98. Capital and exposure norms appeared in 31 records, or 31.6%; the themes overlap.
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 penalty73 · 74.5%
Previous 67 · 60.9%
- Business restriction18 · 18.4%
Previous 32 · 29.1%
- Licence cancellation7 · 7.1%
Previous 9 · 8.2%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action81 · 82.7%
Previous 94 · 85.5%
- Extension17 · 17.3%
Previous 15 · 13.6%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank89 · 90.8%
Previous 89 · 80.9%
- NBFC4 · 4.1%
Previous 10 · 9.1%
- Bank2 · 2%
Previous 8 · 7.3%
- Payment entity2 · 2%
Previous 3 · 2.7%
- Other1 · 1%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure59 · 60.2%
Previous 57 · 51.8%
- Capital & exposure norms31 · 31.6%
Previous 38 · 34.5%
- Lending norms23 · 23.5%
Previous 28 · 25.5%
- Governance & oversight21 · 21.4%
Previous 21 · 19.1%
- KYC / AML15 · 15.3%
Previous 24 · 21.8%
- Licensing breach11 · 11.2%
Previous 14 · 12.7%
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
At ₹2.66 crore, this was the period's largest disclosed penalty. RBI cited non-compliance with directions on the Cyber Security Framework in Banks and multiple control gaps that allowed an unauthorized intrusion to go undetected.
RBI cancels Certificate of Registration of four NBFCs
12 Oct 2022licence cancellationS.R.M. Properties And Finance Company Pvt. Ltd
RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6). The companies are no longer permitted to transact NBFC business.
Revocation of Certificate of Authorisation of GI Technology Private Limited
20 Oct 2022licence cancellationGI Technology Private Limited
RBI revoked the Certificate of Authorisation of the payment system operator. No underlying misconduct is stated in the provided text.
RBI cancels the licence of Babaji Date Mahila Sahakari Bank Limited, Yavatmal, Maharashtra
11 Nov 2022licence cancellationBabaji Date Mahila Sahakari Bank Limited, Yavatmal, Maharashtra
RBI cancelled the licence of Babaji Date Mahila Sahakari Bank Limited, Yavatmal, Maharashtra. The bank lacked adequate capital and earning prospects and failed to satisfy licensing requirements under the Banking Regulation Act. RBI said its continuance was prejudicial to depositors and public interest.
What It Cost
73 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹2.66 cr
- Top five
- ₹6.67 cr
- 95th percentile
- ₹50 L
Previous ₹5 L
Previous ₹5.72 cr
Previous ₹11.78 cr
Previous ₹1.05 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 | ₹10.32 cr | 75.3% |
| NBFC | ₹5 L | ₹3.29 cr | 33.7% |
| Other | ₹1.76 cr | ₹0 | -18.3% |
| Payment entity | ₹13.9 L | ₹1.74 cr | 16.6% |
| Co-operative bank | ₹5.66 cr | ₹4.96 cr | -7.3% |
Entity Coverage
- Declared
- 103
- Names extracted
- 103
- Canonical links
- 103
- First seen
- 59
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
- 35
- Duplicate entity rows
- 2
Next expiry window: 1 Jan 2023–31 Mar 2023.