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 |
|---|---|---|---|---|
| Jan | 47 | 19 | 12 | 16 |
| Feb | 37 | 16 | 10 | 11 |
| Mar | 62 | 28 | 20 | 14 |
| Apr | 23 | 3 | 4 | 16 |
| May | 35 | 14 | 10 | 11 |
| Jun | 24 | 13 | 4 | 7 |
| Jul | 33 | 10 | 8 | 15 |
| Aug | 31 | 19 | 9 | 3 |
| Sept | 42 | 19 | 16 | 7 |
| Oct | 36 | 12 | 9 | 15 |
| Nov | 26 | 15 | 4 | 7 |
| Dec | 28 | 8 | 8 | 12 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
The number of RBI action records declined
RBI published 424 action records, including 343 fresh actions and 66 extensions. The comparable 2024 count was 486, a difference of 62 records.
Co-operative banks account for most of the penalty-value decline
Disclosed penalty value fell from ₹54.47 crore in 2024 to ₹36.81 crore, a decrease of ₹17.66 crore. Co-operative banks accounted for 64.4% of that decline, with their value at ₹6.11 crore against ₹17.49 crore previously.
Severe actions made up a smaller share of the total
There were 134 severe actions, or 31.6% of the total, compared with 185 and 38.1% in 2024. Cancellation actions numbered 26, unchanged from 2024, while supersession actions rose to 4 from 1.
A small number of large orders covered many declared entities
The 424 action records declared 553 entities. The three largest orders declared 31, 21 and 17 entities, and the largest orders together declared 69 entities.
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 penalty297 · 70%
Previous 322 · 66.3%
- Business restriction82 · 19.3%
Previous 128 · 26.3%
- Licence cancellation26 · 6.1%
Previous 26 · 5.3%
- Action lifted15 · 3.5%
Previous 6 · 1.2%
- Board supersession4 · 0.9%
Previous 1 · 0.2%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action343 · 80.9%
Previous 361 · 74.3%
- Extension66 · 15.6%
Previous 119 · 24.5%
- Lifted / withdrawn15 · 3.5%
Previous 6 · 1.2%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank308 · 72.6%
Previous 390 · 80.2%
- NBFC68 · 16%
Previous 53 · 10.9%
- Bank45 · 10.6%
Previous 39 · 8%
- Payment entity2 · 0.5%
Previous 4 · 0.8%
- Credit bureau1 · 0.2%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure215 · 50.7%
Previous 252 · 51.9%
- Lending norms121 · 28.5%
Previous 135 · 27.8%
- Governance & oversight105 · 24.8%
Previous 111 · 22.8%
- KYC / AML101 · 23.8%
Previous 81 · 16.7%
- Capital & exposure norms91 · 21.5%
Previous 111 · 22.8%
- Customer protection87 · 20.5%
Previous 88 · 18.1%
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 Jammu and Kashmir Bank Limited
24 Jan 2025₹3.32 croremonetary penaltyJammu and Kashmir Bank Limited
RBI imposed a monetary penalty on Jammu and Kashmir Bank Limited for non-compliance with RBI directions on Basic Savings Bank Deposit Accounts (BSBDA), KYC, and restrictions on loans and advances.
RBI cancels Certificate of Registration of 31 NBFCs
12 Sept 2025licence cancellationKamsco Industries Pvt Ltd
RBI cancelled the Certificate of Registration of 31 NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies are therefore barred from carrying on NBFC business.
Supersession of Board of Directors of Abhyudaya Cooperative Bank Ltd., Mumbai - Extension of period
7 Nov 2025board supersessionAbhyudaya Cooperative Bank Ltd., Mumbai
RBI extended the supersession of the Board of Directors of Abhyudaya Cooperative Bank Ltd., Mumbai, due to material concerns arising from poor governance standards observed within the bank.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – National Mercantile Co-operative Bank Ltd., Lucknow – Withdrawal of Directions
21 Nov 2025action liftedNational Mercantile Co-operative Bank Ltd., Lucknow
RBI withdrew the Section 35A read with Section 56 directions previously issued to National Mercantile Co-operative Bank Ltd., Lucknow. The release notes the directions had been modified and extended over time before withdrawal.
What It Cost
297 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹3.32 cr
- Top five
- ₹9.3 cr
- 95th percentile
- ₹65 L
Previous ₹2 L
Previous ₹5.93 cr
Previous ₹14.53 cr
Previous ₹1 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 |
|---|---|---|---|
| Co-operative bank | ₹6.11 cr | ₹17.49 cr | 64.4% |
| Bank | ₹26.6 cr | ₹30.1 cr | 19.8% |
| NBFC | ₹3.57 cr | ₹6.47 cr | 16.4% |
| Payment entity | ₹50.6 L | ₹41.5 L | -0.5% |
| Credit bureau | ₹2 L | ₹0 | -0.1% |
Entity Coverage
- Declared
- 553
- Names extracted
- 554
- Canonical links
- 554
- First seen
- 338
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
- 29
- Entities
- 29
- Expiring next
- 91
- Duplicate entity rows
- 0
Next expiry window: 1 Jan 2026–31 Dec 2026.