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 Oct | 0 | 0 | 0 | 0 |
| 2 Oct | 0 | 0 | 0 | 0 |
| 3 Oct | 4 | 1 | 3 | 0 |
| 4 Oct | 1 | 0 | 0 | 1 |
| 5 Oct | 0 | 0 | 0 | 0 |
| 6 Oct | 5 | 4 | 0 | 1 |
| 7 Oct | 0 | 0 | 0 | 0 |
| 8 Oct | 0 | 0 | 0 | 0 |
| 9 Oct | 5 | 1 | 4 | 0 |
| 10 Oct | 1 | 0 | 1 | 0 |
| 11 Oct | 0 | 0 | 0 | 0 |
| 12 Oct | 7 | 3 | 1 | 3 |
| 13 Oct | 3 | 0 | 1 | 2 |
| 14 Oct | 0 | 0 | 0 | 0 |
| 15 Oct | 0 | 0 | 0 | 0 |
| 16 Oct | 6 | 4 | 1 | 1 |
| 17 Oct | 3 | 0 | 0 | 3 |
| 18 Oct | 0 | 0 | 0 | 0 |
| 19 Oct | 5 | 3 | 2 | 0 |
| 20 Oct | 2 | 0 | 0 | 2 |
| 21 Oct | 0 | 0 | 0 | 0 |
| 22 Oct | 1 | 0 | 0 | 1 |
| 23 Oct | 2 | 0 | 2 | 0 |
| 24 Oct | 0 | 0 | 0 | 0 |
| 25 Oct | 3 | 3 | 0 | 0 |
| 26 Oct | 0 | 0 | 0 | 0 |
| 27 Oct | 6 | 0 | 0 | 6 |
| 28 Oct | 0 | 0 | 0 | 0 |
| 29 Oct | 0 | 0 | 0 | 0 |
| 30 Oct | 5 | 4 | 1 | 0 |
| 31 Oct | 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 increase in penalty value
Banks accounted for 64.2% of the ₹21.60 crore increase, with ₹17.78 crore across 4 actions. Payment entities contributed ₹5.39 crore across 1 action, or 25.0% of the increase.
A small number of penalties drove most disclosed value
The largest penalty was ₹12.19 crore, representing 45.3% of the ₹26.90 crore total. The top five penalties accounted for 93.1%, while the median penalty was ₹2.0 lakh.
Severe actions formed a smaller share than in September
There were 20 severe actions, or 33.9% of the total, compared with 22 severe actions and 55.0% in September 2023. October also recorded 2 cancellations, against 7 in September 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.
- Monetary penalty44 · 74.6%
Previous 21 · 52.5%
- Business restriction13 · 22%
Previous 12 · 30%
- Licence cancellation2 · 3.4%
Previous 7 · 17.5%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action48 · 81.4%
Previous 29 · 72.5%
- Extension11 · 18.6%
Previous 11 · 27.5%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank48 · 81.4%
Previous 33 · 82.5%
- Bank5 · 8.5%
Previous 3 · 7.5%
- NBFC5 · 8.5%
Previous 4 · 10%
- Payment entity1 · 1.7%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure32 · 54.2%
Previous 13 · 32.5%
- Customer protection20 · 33.9%
Previous 13 · 32.5%
- Lending norms19 · 32.2%
Previous 10 · 25%
- Capital & exposure norms15 · 25.4%
Previous 16 · 40%
- Governance & oversight12 · 20.3%
Previous 8 · 20%
- KYC / AML12 · 20.3%
Previous 2 · 5%
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 ICICI Bank Ltd
17 Oct 2023₹12.19 croremonetary penaltyICICI Bank Ltd.
ICICI Bank was penalized for contravention of Banking Regulation Act provisions and RBI directions. Breaches included sanctioning/committing loans to companies where two directors were also directors, marketing non-financial products, and delayed fraud reporting.
RBI cancels the licence of Nagar Urban Co-operative Bank Ltd., Ahmednagar, Maharashtra
4 Oct 2023licence cancellationNagar Urban Co-operative Bank Ltd., Ahmednagar, Maharashtra
RBI cancelled the bank’s licence because it lacked adequate capital and earning prospects and did not comply with licensing requirements under the Banking Regulation Act. The continuance of the bank was considered prejudicial to depositors and public interest.
RBI cancels Certificate of Registration of One HFC
12 Oct 2023licence cancellationThe Reserve Bank of India cancelled the Certificate of Registration of one housing finance company under Section 29A(6) of the National Housing Bank Act, 1987.
What It Cost
44 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹12.19 cr
- Top five
- ₹25.03 cr
- 95th percentile
- ₹3.95 cr
Previous ₹5 L
Previous ₹1.62 cr
Previous ₹4.4 cr
Previous ₹1.3 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 | ₹17.78 cr | ₹3.92 cr | 64.2% |
| Payment entity | ₹5.39 cr | ₹0 | 25% |
| NBFC | ₹2.61 cr | ₹30.35 L | 10.7% |
| Co-operative bank | ₹1.12 cr | ₹1.08 cr | 0.2% |
Entity Coverage
- Declared
- 59
- Names extracted
- 58
- Canonical links
- 58
- First seen
- 6
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
- 39
- Entities
- 39
- Expiring next
- 9
- Duplicate entity rows
- 0
Next expiry window: 1 Nov 2023–30 Nov 2023.