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 Jun | 0 | 0 | 0 | 0 |
| 3 Jul | 8 | 2 | 0 | 6 |
| 10 Jul | 4 | 0 | 0 | 4 |
| 17 Jul | 7 | 0 | 0 | 7 |
| 24 Jul | 8 | 0 | 0 | 8 |
| 31 Jul | 2 | 0 | 0 | 2 |
| 7 Aug | 11 | 8 | 0 | 3 |
| 14 Aug | 10 | 5 | 3 | 2 |
| 21 Aug | 12 | 6 | 3 | 3 |
| 28 Aug | 6 | 0 | 0 | 6 |
| 4 Sept | 9 | 0 | 0 | 9 |
| 11 Sept | 7 | 3 | 3 | 1 |
| 18 Sept | 12 | 3 | 5 | 4 |
| 25 Sept | 11 | 0 | 4 | 7 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
Penalty awards shifted toward smaller amounts
The median penalty was ₹2.0 lakh, down from ₹5.5 lakh in Q2 2023. The 90th percentile was ₹25.0 lakh against ₹84.5 lakh, and the 95th percentile was ₹1.00 crore against ₹2.20 crore; the top five awards made up 74.4% of the total, up from 65.4%.
Banks made up the largest share of the value decline
Banks accounted for 47.7% of the ₹18.66 crore decline, with current disclosed penalties of ₹3.97 crore against ₹12.87 crore in Q2 2023. NBFCs accounted for 36.6%, with ₹30.4 lakh against ₹7.14 crore.
Co-operative banks took a larger share of action records
Co-operative-bank records rose to 96, or 89.7% of actions, from 75, or 75.0%, in Q2 2023. Their share increased by 14.7 percentage points.
Severe actions formed a larger share of the record mix
There were 62 severe actions, or 57.9%, compared with 50, or 50.0%, in Q2 2023. The severity average was 3.08, while cancellation records numbered 13 against 5.
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 penalty48 · 44.9%
Previous 60 · 60%
- Business restriction46 · 43%
Previous 35 · 35%
- Licence cancellation13 · 12.1%
Previous 5 · 5%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action65 · 60.7%
Previous 68 · 68%
- Extension42 · 39.3%
Previous 32 · 32%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank96 · 89.7%
Previous 75 · 75%
- Bank5 · 4.7%
Previous 13 · 13%
- NBFC5 · 4.7%
Previous 8 · 8%
- Payment entity1 · 0.9%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Other34 · 31.8%
Previous 22 · 22%
- Capital & exposure norms31 · 29%
Previous 21 · 21%
- Reporting & disclosure29 · 27.1%
Previous 43 · 43%
- Customer protection27 · 25.2%
Previous 24 · 24%
- Governance & oversight21 · 19.6%
Previous 13 · 13%
- Lending norms19 · 17.8%
Previous 17 · 17%
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 Indian Bank
25 Sept 2023₹1.62 croremonetary penaltyIndian Bank
Indian Bank received the largest disclosed penalty, ₹1.62 crore, for non-compliance with RBI directions on loans and advances, KYC, and interest rate on deposits.
RBI cancels Certificate of Registration of 4 NBFCs
13 Jul 2023licence cancellationNanma Chits and Financiers Limited
RBI cancelled the Certificate of Registration of four NBFCs. The companies can no longer transact NBFC business.
RBI cancels the licence of Lucknow Urban Co-operative Bank Ltd., Lucknow, Uttar Pradesh
29 Sept 2023licence cancellationLucknow Urban Co-operative Bank Ltd., Lucknow, Uttar Pradesh
RBI cancelled the bank’s licence for inadequate capital and earning prospects, failure to meet licensing requirements under the Banking Regulation Act, and because its continuance was seen as prejudicial to depositors and public interest.
What It Cost
48 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹1.62 cr
- Top five
- ₹4.48 cr
- 95th percentile
- ₹1 cr
Previous ₹5.5 L
Previous ₹6.77 cr
Previous ₹16.13 cr
Previous ₹2.2 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 | ₹3.97 cr | ₹12.87 cr | 47.7% |
| NBFC | ₹30.35 L | ₹7.14 cr | 36.6% |
| Co-operative bank | ₹1.43 cr | ₹3.66 cr | 11.9% |
| Credit bureau | ₹0 | ₹1.01 cr | 5.4% |
| Payment entity | ₹30.5 L | ₹0 | -1.6% |
Entity Coverage
- Declared
- 110
- Names extracted
- 110
- Canonical links
- 110
- First seen
- 38
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 44
- Entities
- 44
- Expiring next
- 44
- Duplicate entity rows
- 0
Next expiry window: 1 Oct 2023–31 Dec 2023.