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 | 8 | 3 | 1 | 4 |
| 8 Jul | 6 | 0 | 2 | 4 |
| 15 Jul | 12 | 9 | 1 | 2 |
| 22 Jul | 11 | 2 | 2 | 7 |
| 29 Jul | 5 | 2 | 3 | 0 |
| 5 Aug | 4 | 2 | 0 | 2 |
| 12 Aug | 9 | 1 | 4 | 4 |
| 19 Aug | 12 | 3 | 2 | 7 |
| 26 Aug | 9 | 4 | 3 | 2 |
| 2 Sept | 6 | 2 | 3 | 1 |
| 9 Sept | 18 | 2 | 6 | 10 |
| 16 Sept | 3 | 1 | 2 | 0 |
| 23 Sept | 4 | 1 | 0 | 3 |
| 30 Sept | 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.
The upper end of disclosed penalties widened
The largest disclosed penalty rose to ₹5.93 crore from ₹1.46 crore in Q2 2024. The 90th percentile rose to ₹1.27 crore from ₹59.1 lakh, while the top five accounted for 59.1% of disclosed value, up from 47.6%.
Co-operative banks accounted for the largest share of the increase
Co-operative banks accounted for 36.7% of the increase, NBFCs for 30.7%, banks for 29.5% and a payment entity for 3.1%. The increase was split across these entity types, with co-operative banks holding the largest share.
NBFCs took a larger share of action records
NBFCs made up 18.5% of action records, up from 8.5% in Q2 2024. Their count was 20, compared with 10 previously, a 10.0 percentage-point shift.
The severe-action share edged higher
Severe actions accounted for 42.6% of records, up from 41.9% in Q2 2024. There were 46 severe actions, against 49 in Q2 2024.
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 penalty73 · 67.6%
Previous 75 · 64.1%
- Business restriction27 · 25%
Previous 37 · 31.6%
- Licence cancellation8 · 7.4%
Previous 4 · 3.4%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action82 · 75.9%
Previous 87 · 74.4%
- Extension26 · 24.1%
Previous 29 · 24.8%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank78 · 72.2%
Previous 95 · 81.2%
- NBFC20 · 18.5%
Previous 10 · 8.5%
- Bank9 · 8.3%
Previous 12 · 10.3%
- Payment entity1 · 0.9%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure58 · 53.7%
Previous 66 · 56.4%
- Lending norms28 · 25.9%
Previous 30 · 25.6%
- Other25 · 23.1%
Previous 29 · 24.8%
- Capital & exposure norms24 · 22.2%
Previous 30 · 25.6%
- KYC / AML24 · 22.2%
Previous 12 · 10.3%
- Customer protection22 · 20.4%
Previous 24 · 20.5%
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 The Mehsana Urban Co-operative Bank Ltd., Gujarat
12 Jul 2024₹5.93 croremonetary penaltyThe Mehsana Urban Co-operative Bank Ltd., Gujarat
This was the period's largest disclosed penalty. RBI imposed a monetary penalty for multiple compliance failures, including director-related lending, cyber security control lapses, NPA classification issues, multiple UCIC allotments, and donations to an interested trust/institution.
RBI cancels Certificate of Registration of Four NBFCs
13 Sept 2024licence cancellationBharatpur Investment Ltd
This was the widest order. RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6) of the RBI Act. The companies are barred from transacting the business of a Non-Banking Financial Institution.
RBI cancels Certificate of Registration of M/s Margdarshak Financial Services Limited
23 Aug 2024licence cancellationM/s Margdarshak Financial Services Limited
This was the highest-severity action involving a single entity. RBI cancelled the NBFC's Certificate of Registration under Section 45-IA(6) of the RBI Act, 1934.
What It Cost
73 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.5 L
- Largest
- ₹5.93 cr
- Top five
- ₹14.44 cr
- 95th percentile
- ₹1.92 cr
Previous ₹2.5 L
Previous ₹1.46 cr
Previous ₹5.33 cr
Previous ₹96.4 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 |
|---|---|---|---|
| Co-operative bank | ₹7.84 cr | ₹2.98 cr | 36.7% |
| NBFC | ₹4.74 cr | ₹68.4 L | 30.7% |
| Bank | ₹11.43 cr | ₹7.53 cr | 29.5% |
| Payment entity | ₹41.5 L | ₹0 | 3.1% |
Entity Coverage
- Declared
- 113
- Names extracted
- 116
- Canonical links
- 116
- First seen
- 59
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 34
- Entities
- 33
- Expiring next
- 33
- Duplicate entity rows
- 1
Next expiry window: 1 Oct 2024–31 Dec 2024.