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 Jul | 0 | 0 | 0 | 0 |
| 2 Jul | 0 | 0 | 0 | 0 |
| 3 Jul | 2 | 2 | 0 | 0 |
| 4 Jul | 0 | 0 | 0 | 0 |
| 5 Jul | 2 | 0 | 0 | 2 |
| 6 Jul | 0 | 0 | 0 | 0 |
| 7 Jul | 4 | 0 | 0 | 4 |
| 8 Jul | 0 | 0 | 0 | 0 |
| 9 Jul | 0 | 0 | 0 | 0 |
| 10 Jul | 0 | 0 | 0 | 0 |
| 11 Jul | 2 | 0 | 0 | 2 |
| 12 Jul | 0 | 0 | 0 | 0 |
| 13 Jul | 1 | 0 | 0 | 1 |
| 14 Jul | 1 | 0 | 0 | 1 |
| 15 Jul | 0 | 0 | 0 | 0 |
| 16 Jul | 0 | 0 | 0 | 0 |
| 17 Jul | 0 | 0 | 0 | 0 |
| 18 Jul | 3 | 0 | 0 | 3 |
| 19 Jul | 1 | 0 | 0 | 1 |
| 20 Jul | 1 | 0 | 0 | 1 |
| 21 Jul | 2 | 0 | 0 | 2 |
| 22 Jul | 0 | 0 | 0 | 0 |
| 23 Jul | 0 | 0 | 0 | 0 |
| 24 Jul | 1 | 0 | 0 | 1 |
| 25 Jul | 0 | 0 | 0 | 0 |
| 26 Jul | 1 | 0 | 0 | 1 |
| 27 Jul | 1 | 0 | 0 | 1 |
| 28 Jul | 5 | 0 | 0 | 5 |
| 29 Jul | 0 | 0 | 0 | 0 |
| 30 Jul | 0 | 0 | 0 | 0 |
| 31 Jul | 1 | 0 | 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.
The fall in disclosed penalty value was led by banks
Banks accounted for 64.8% of the ₹10.42 crore decrease in disclosed penalty value. Co-operative banks accounted for 23.6%, credit bureaus for 9.7% and NBFCs for 1.9% of the decrease.
Severe orders made up a much larger share of actions
Severe orders accounted for 26 actions, or 92.9%, in July 2023, compared with 13 actions, or 36.1%, in June 2023. There were 6 cancellation actions, compared with 1 in June 2023.
Co-operative banks made up more of the action mix
Co-operative banks accounted for 26 actions, or 92.9% of the total, up from a 72.2% share in June 2023. Their count was unchanged from June 2023, at 26.
Existing orders left a sizeable enforcement stock
There were 47 orders in force covering 47 entities, with 11 expiring between 1 August 2023 and 31 August 2023. The longest-running order had been in force for 16 months, followed by orders running for 13 months and 12 months.
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 restriction20 · 71.4%
Previous 7 · 19.4%
- Licence cancellation6 · 21.4%
Previous 1 · 2.8%
- Monetary penalty2 · 7.1%
Previous 28 · 77.8%
Lifecycle
Fresh actions, extensions and withdrawals.
- Extension19 · 67.9%
Previous 4 · 11.1%
- Fresh action9 · 32.1%
Previous 32 · 88.9%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank26 · 92.9%
Previous 26 · 72.2%
- Bank1 · 3.6%
Previous 5 · 13.9%
- NBFC1 · 3.6%
Previous 1 · 2.8%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Other13 · 46.4%
Previous 2 · 5.6%
- Capital & exposure norms7 · 25%
Previous 13 · 36.1%
- Customer protection6 · 21.4%
Previous 14 · 38.9%
- Licensing breach6 · 21.4%
Previous 2 · 5.6%
- Governance & oversight5 · 17.9%
Previous 5 · 13.9%
- Lending norms2 · 7.1%
Previous 8 · 22.2%
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 Ranuj Nagarik Sahakari Bank Ltd., Patan (Gujarat)
3 Jul 2023₹1.0 lakhmonetary penaltyRanuj Nagarik Sahakari Bank Ltd., Patan (Gujarat)
This was the largest disclosed penalty in July 2023, at ₹1.0 lakh. The bank sanctioned a loan where a relative of one of its directors stood as surety or guarantor, contrary to RBI directions on loans and advances to directors etc.
RBI cancels Certificate of Registration of 4 NBFCs
13 Jul 2023licence cancellationNanma Chits and Financiers Limited
This was the widest order. RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6) of the RBI Act, 1934, and the companies can no longer transact NBFC business.
Reserve Bank of India cancels the licence of United India Co-operative Bank Limited, Nagina, Bijnor, Uttar Pradesh
19 Jul 2023licence cancellationUnited India Co-operative Bank Limited
This was the highest-severity single-entity action. RBI cancelled the licence of United India Co-operative Bank Limited because it lacked adequate capital and earning prospects and did not comply with statutory licensing requirements. RBI also found its continuance prejudicial to depositors and public interest.
What It Cost
2 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹52,500
- Largest
- ₹1 L
- Top five
- ₹1.05 L
- Percentiles
- Suppressed
Previous ₹15 L
Previous ₹2.5 cr
Previous ₹7.4 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 | ₹6.75 cr | 64.8% |
| Co-operative bank | ₹1.05 L | ₹2.47 cr | 23.6% |
| Credit bureau | ₹0 | ₹1.01 cr | 9.7% |
| NBFC | ₹0 | ₹20 L | 1.9% |
Entity Coverage
- Declared
- 31
- Names extracted
- 31
- Canonical links
- 31
- First seen
- 1
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 47
- Entities
- 47
- Expiring next
- 11
- Duplicate entity rows
- 0
Next expiry window: 1 Aug 2023–31 Aug 2023.