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 Apr | 0 | 0 | 0 | 0 |
| 2 Apr | 0 | 0 | 0 | 0 |
| 3 Apr | 0 | 0 | 0 | 0 |
| 4 Apr | 5 | 2 | 2 | 1 |
| 5 Apr | 4 | 0 | 1 | 3 |
| 6 Apr | 0 | 0 | 0 | 0 |
| 7 Apr | 0 | 0 | 0 | 0 |
| 8 Apr | 6 | 2 | 3 | 1 |
| 9 Apr | 0 | 0 | 0 | 0 |
| 10 Apr | 1 | 0 | 0 | 1 |
| 11 Apr | 0 | 0 | 0 | 0 |
| 12 Apr | 0 | 0 | 0 | 0 |
| 13 Apr | 0 | 0 | 0 | 0 |
| 14 Apr | 0 | 0 | 0 | 0 |
| 15 Apr | 6 | 0 | 4 | 2 |
| 16 Apr | 2 | 0 | 1 | 1 |
| 17 Apr | 0 | 0 | 0 | 0 |
| 18 Apr | 6 | 1 | 4 | 1 |
| 19 Apr | 2 | 0 | 1 | 1 |
| 20 Apr | 0 | 0 | 0 | 0 |
| 21 Apr | 0 | 0 | 0 | 0 |
| 22 Apr | 5 | 2 | 3 | 0 |
| 23 Apr | 3 | 0 | 0 | 3 |
| 24 Apr | 1 | 0 | 0 | 1 |
| 25 Apr | 8 | 5 | 0 | 3 |
| 26 Apr | 0 | 0 | 0 | 0 |
| 27 Apr | 0 | 0 | 0 | 0 |
| 28 Apr | 0 | 0 | 0 | 0 |
| 29 Apr | 6 | 5 | 0 | 1 |
| 30 Apr | 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 more than the full decline in penalty value
Disclosed penalty value fell by ₹1.50 crore, from ₹5.25 crore to ₹3.76 crore. Bank penalties fell from ₹3.66 crore across 4 actions to ₹1.05 crore across 2, accounting for 174.4% of the decline, while co-operative bank and NBFC values moved upward.
Co-operative banks made up a larger share of all actions
Co-operative banks accounted for 87.3% of actions, up from 72.7% in March 2024. Their action count rose to 48 from 24, a 14.6 percentage-point shift.
Severe actions formed a smaller share despite a higher count
There were 19 severe actions, or 34.5% of the total, compared with 15 and 45.5% in March 2024. The period included 2 cancellations and no supersessions, against 1 cancellation and no supersessions previously.
Penalty values were lower across the distribution
The 38 monetary-penalty actions had a median of ₹3.0 lakh, down from ₹5.5 lakh in March 2024. The largest penalty was ₹1.00 crore against ₹1.41 crore, and the top five accounted for 75.3% of the total against 81.0%.
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 penalty38 · 69.1%
Previous 20 · 60.6%
- Business restriction15 · 27.3%
Previous 10 · 30.3%
- Licence cancellation2 · 3.6%
Previous 1 · 3%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action45 · 81.8%
Previous 23 · 69.7%
- Extension10 · 18.2%
Previous 10 · 30.3%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank48 · 87.3%
Previous 24 · 72.7%
- NBFC4 · 7.3%
Previous 4 · 12.1%
- Bank3 · 5.5%
Previous 5 · 15.2%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure34 · 61.8%
Previous 18 · 54.5%
- Lending norms17 · 30.9%
Previous 10 · 30.3%
- Other14 · 25.5%
Previous 10 · 30.3%
- Customer protection13 · 23.6%
Previous 5 · 15.2%
- Governance & oversight13 · 23.6%
Previous 7 · 21.2%
- Capital & exposure norms12 · 21.8%
Previous 3 · 9.1%
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 IDFC First Bank Limited
5 Apr 2024₹1.00 croremonetary penaltyIDFC First Bank Limited
RBI imposed the largest disclosed penalty on IDFC First Bank Limited. The bank sanctioned term loans to a public sector undertaking for infrastructure projects without due diligence on project viability and bankability, and repayment or servicing was made out of budgetary resources contrary to RBI directions on loans and advances.
RBI cancels Certificate of Registration of Four NBFCs
5 Apr 2024licence cancellationKundles Motor Finance Private Limited
RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies are barred from transacting NBFC business.
Reserve Bank cancels Certificate of Registration of M/s Acemoney (India) Limited due to irregular lending practices
29 Apr 2024licence cancellationM/s Acemoney (India) Limited
The Reserve Bank cancelled M/s Acemoney (India) Limited's Certificate of Registration under Section 45-IA(6). The title indicates the cancellation was due to irregular lending practices.
What It Cost
38 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹3 L
- Largest
- ₹1 cr
- Top five
- ₹2.83 cr
- 95th percentile
- ₹61.6 L
Previous ₹5.5 L
Previous ₹1.41 cr
Previous ₹4.26 cr
Previous ₹1.32 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 | ₹1.05 cr | ₹3.66 cr | 174.4% |
| Co-operative bank | ₹2.11 cr | ₹1.46 cr | -43.5% |
| NBFC | ₹59.7 L | ₹13.6 L | -30.8% |
Entity Coverage
- Declared
- 58
- Names extracted
- 58
- Canonical links
- 58
- First seen
- 14
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 35
- Entities
- 34
- Expiring next
- 9
- Duplicate entity rows
- 1
Next expiry window: 1 May 2024–31 May 2024.