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 Jan | 0 | 0 | 0 | 0 |
| 2 Jan | 4 | 2 | 2 | 0 |
| 3 Jan | 0 | 0 | 0 | 0 |
| 4 Jan | 0 | 0 | 0 | 0 |
| 5 Jan | 2 | 0 | 0 | 2 |
| 6 Jan | 1 | 0 | 0 | 1 |
| 7 Jan | 0 | 0 | 0 | 0 |
| 8 Jan | 1 | 0 | 0 | 1 |
| 9 Jan | 6 | 4 | 1 | 1 |
| 10 Jan | 1 | 0 | 0 | 1 |
| 11 Jan | 0 | 0 | 0 | 0 |
| 12 Jan | 0 | 0 | 0 | 0 |
| 13 Jan | 1 | 0 | 1 | 0 |
| 14 Jan | 0 | 0 | 0 | 0 |
| 15 Jan | 0 | 0 | 0 | 0 |
| 16 Jan | 3 | 1 | 1 | 1 |
| 17 Jan | 1 | 0 | 0 | 1 |
| 18 Jan | 1 | 0 | 0 | 1 |
| 19 Jan | 1 | 0 | 0 | 1 |
| 20 Jan | 1 | 0 | 0 | 1 |
| 21 Jan | 0 | 0 | 0 | 0 |
| 22 Jan | 2 | 0 | 0 | 2 |
| 23 Jan | 3 | 1 | 1 | 1 |
| 24 Jan | 1 | 0 | 0 | 1 |
| 25 Jan | 1 | 0 | 0 | 1 |
| 26 Jan | 0 | 0 | 0 | 0 |
| 27 Jan | 6 | 0 | 0 | 6 |
| 28 Jan | 0 | 0 | 0 | 0 |
| 29 Jan | 0 | 0 | 0 | 0 |
| 30 Jan | 1 | 1 | 0 | 0 |
| 31 Jan | 2 | 1 | 0 | 1 |
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 most of the disclosed-value decline
Disclosed penalties totalled ₹89.0 lakh, down from ₹4.95 crore in December 2022. Banks recorded ₹0 against ₹3.08 crore previously, accounting for 75.9% of the ₹4.06 crore decline.
Severe actions made up a larger share than in December
There were 23 severe actions, representing 59.0% of the month's actions. In December 2022, severe actions numbered 7 and accounted for 15.9%.
The active-order stock covered 38 entities
There were 40 orders in force across 38 entities. Ten were due to expire between 1 February 2023 and 28 February 2023.
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.
- Business restriction22 · 56.4%
Previous 5 · 11.4%
- Monetary penalty15 · 38.5%
Previous 38 · 86.4%
- Action lifted1 · 2.6%
- Directive / prohibition1 · 2.6%
Lifecycle
Fresh actions, extensions and withdrawals.
- Extension22 · 56.4%
Previous 4 · 9.1%
- Fresh action16 · 41%
Previous 40 · 90.9%
- Lifted / withdrawn1 · 2.6%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank36 · 92.3%
Previous 40 · 90.9%
- Bank2 · 5.1%
Previous 2 · 4.5%
- NBFC1 · 2.6%
Previous 1 · 2.3%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Other22 · 56.4%
Previous 4 · 9.1%
- Reporting & disclosure12 · 30.8%
Previous 33 · 75%
- Governance & oversight8 · 20.5%
Previous 5 · 11.4%
- Lending norms5 · 12.8%
Previous 7 · 15.9%
- Customer protection4 · 10.3%
Previous 1 · 2.3%
- KYC / AML3 · 7.7%
Previous 10 · 22.7%
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 Bahadur Chand Investments Private Limited, New Delhi
13 Jan 2023₹30.0 lakhmonetary penaltyBahadur Chand Investments Private Limited
Bahadur Chand Investments Private Limited received the largest disclosed penalty. The action concerned non-compliance with RBI directions applicable to Core Investment Companies and the NBFC IT framework, including outsourcing-related compliance, governance and IT appointments, and disclosures in annual financial statements.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 - Sahebrao Deshmukh Co-operative Bank Limited, Mumbai, Maharashtra – Extension of Period
5 Jan 2023business restrictionSahebrao Deshmukh Co-operative Bank Limited
RBI extended the existing Section 35A/Section 56 Directions imposed on Sahebrao Deshmukh Co-operative Bank Limited. The earlier operating restrictions continue unchanged.
Directions under Section 35 A read with Section 56 of the Banking Regulation Act, 1949 – The Kapol Co-operative Bank Ltd Mumbai, Maharashtra – Extension of Period
31 Jan 2023business restrictionThe Kapol Cooperative Bank Ltd
RBI extended the existing Section 35A directions applicable to The Kapol Cooperative Bank Ltd, continuing the operational restrictions in place since March 30, 2017 until April 30, 2023.
Action against SBM Bank (India) Ltd., under section 35 A and 36 (1) (a) of the Banking Regulation Act, 1949 - Partial Relaxation
31 Jan 2023action liftedSBM Bank (India) Ltd.
RBI partially relaxed an earlier restriction on LRS transactions after SBM Bank (India) Ltd. initiated corrective actions and sought relief. ATM/POS transactions under LRS via KYC-compliant internationally active debit cards are now allowed until March 15, 2023 or further orders.
What It Cost
15 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹30 L
- Top five
- ₹75 L
- Percentiles
- Suppressed
Previous ₹2 L
Previous ₹2.66 cr
Previous ₹4.16 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 | ₹0 | ₹3.08 cr | 75.9% |
| Co-operative bank | ₹59 L | ₹1.73 cr | 28% |
| NBFC | ₹30 L | ₹0 | -7.4% |
| Payment entity | ₹0 | ₹13.9 L | 3.4% |
Entity Coverage
- Declared
- 39
- Names extracted
- 39
- Canonical links
- 39
- First seen
- 12
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 40
- Entities
- 38
- Expiring next
- 10
- Duplicate entity rows
- 2
Next expiry window: 1 Feb 2023–28 Feb 2023.