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 Dec | 0 | 0 | 0 | 0 |
| 2 Dec | 4 | 1 | 2 | 1 |
| 3 Dec | 0 | 0 | 0 | 0 |
| 4 Dec | 1 | 0 | 0 | 1 |
| 5 Dec | 3 | 2 | 1 | 0 |
| 6 Dec | 1 | 0 | 0 | 1 |
| 7 Dec | 0 | 0 | 0 | 0 |
| 8 Dec | 0 | 0 | 0 | 0 |
| 9 Dec | 3 | 1 | 1 | 1 |
| 10 Dec | 3 | 0 | 0 | 3 |
| 11 Dec | 1 | 0 | 0 | 1 |
| 12 Dec | 4 | 3 | 1 | 0 |
| 13 Dec | 2 | 0 | 0 | 2 |
| 14 Dec | 0 | 0 | 0 | 0 |
| 15 Dec | 0 | 0 | 0 | 0 |
| 16 Dec | 4 | 2 | 2 | 0 |
| 17 Dec | 1 | 1 | 0 | 0 |
| 18 Dec | 1 | 0 | 0 | 1 |
| 19 Dec | 5 | 3 | 2 | 0 |
| 20 Dec | 2 | 0 | 2 | 0 |
| 21 Dec | 0 | 0 | 0 | 0 |
| 22 Dec | 0 | 0 | 0 | 0 |
| 23 Dec | 6 | 2 | 3 | 1 |
| 24 Dec | 0 | 0 | 0 | 0 |
| 25 Dec | 0 | 0 | 0 | 0 |
| 26 Dec | 4 | 3 | 1 | 0 |
| 27 Dec | 0 | 0 | 0 | 0 |
| 28 Dec | 0 | 0 | 0 | 0 |
| 29 Dec | 0 | 0 | 0 | 0 |
| 30 Dec | 6 | 1 | 4 | 1 |
| 31 Dec | 1 | 1 | 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.
Co-operative banks carried the increase in disclosed penalty value
Disclosed penalty value rose from ₹1.81 crore to ₹1.92 crore, an increase of ₹10.7 lakh. Co-operative bank penalties rose from ₹55.6 lakh to ₹1.08 crore across 33 actions, while bank penalties fell from ₹1.21 crore to ₹63.7 lakh.
Penalty values were less concentrated despite a higher median
The median penalty was ₹2.8 lakh, up from ₹1.4 lakh, while the largest was ₹36.4 lakh, down from ₹61.4 lakh. The five largest actions made up 59.3% of disclosed value, versus 75.4% in November 2024.
Severe actions held roughly the same share of the month
There were 13 severe actions, a 25.0% share, versus 13 and 26.0% in November 2024. RBI recorded 3 cancellations and no supersessions, versus 2 cancellations and 1 supersession.
Twelve in-force orders were due to expire in January
The in-force stock comprised 30 orders covering 30 entities. Twelve were due to expire between 1 January 2025 and 31 January 2025.
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 penalty36 · 69.2%
Previous 38 · 76%
- Business restriction10 · 19.2%
Previous 8 · 16%
- Action lifted3 · 5.8%
Previous 1 · 2%
- Licence cancellation3 · 5.8%
Previous 2 · 4%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action39 · 75%
Previous 40 · 80%
- Extension10 · 19.2%
Previous 9 · 18%
- Lifted / withdrawn3 · 5.8%
Previous 1 · 2%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank45 · 86.5%
Previous 45 · 90%
- NBFC5 · 9.6%
Previous 3 · 6%
- Bank2 · 3.8%
Previous 2 · 4%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure24 · 46.2%
Previous 29 · 58%
- Lending norms21 · 40.4%
Previous 17 · 34%
- Capital & exposure norms15 · 28.8%
Previous 7 · 14%
- Governance & oversight12 · 23.1%
Previous 13 · 26%
- KYC / AML11 · 21.2%
Previous 17 · 34%
- Customer protection10 · 19.2%
Previous 7 · 14%
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 Punjab Gramin Bank, Kapurthala, Punjab
30 Dec 2024₹36.4 lakhmonetary penaltyPunjab Gramin Bank
Punjab Gramin Bank received the largest disclosed penalty in the period. The bank failed to transfer eligible unclaimed amounts to the Depositor Education and Awareness Fund within the prescribed time.
RBI cancels Certificate of Registration of Four NBFCs
18 Dec 2024licence cancellationRBI cancelled the Certificate of Registration of four NBFCs. The companies are no longer permitted to transact the business of a non-banking financial institution.
RBI cancels the licence of The Vaishali Shahari Vikas Co-operative Bank Ltd., Hajipur, Dist. Vaishali
30 Dec 2024licence cancellationThe Vaishali Shahari Vikas Co-operative Bank Ltd., Hajipur, Dist. Vaishali
RBI cancelled the licence of The Vaishali Shahari Vikas Co-operative Bank Ltd., Hajipur, Dist. Vaishali. The bank lacked adequate capital and earning prospects and failed to meet several statutory requirements under the Banking Regulation Act, 1949. RBI said its continuance was prejudicial to depositors and public interest.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Sangli Sahakari Bank Ltd., Mumbai, Maharashtra – Withdrawal of Directions
31 Dec 2024action liftedSangli Sahakari Bank Ltd.
RBI withdrew its earlier Section 35A read with Section 56 directions issued to Sangli Sahakari Bank Ltd. The withdrawal took effect after reviewing the bank’s financial position and being satisfied that it was in the public interest.
What It Cost
36 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.75 L
- Largest
- ₹36.4 L
- Top five
- ₹1.14 cr
- 95th percentile
- ₹27.3 L
Previous ₹1.38 L
Previous ₹61.4 L
Previous ₹1.36 cr
Previous ₹59.2 L
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 | ₹63.7 L | ₹1.21 cr | -533.3% |
| Co-operative bank | ₹1.08 cr | ₹55.59 L | 490.3% |
| NBFC | ₹20 L | ₹4.75 L | 142.9% |
Entity Coverage
- Declared
- 56
- Names extracted
- 56
- Canonical links
- 56
- First seen
- 28
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 30
- Entities
- 30
- Expiring next
- 12
- Duplicate entity rows
- 0
Next expiry window: 1 Jan 2025–31 Jan 2025.