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 Feb | 0 | 0 | 0 | 0 |
| 2 Feb | 0 | 0 | 0 | 0 |
| 3 Feb | 0 | 0 | 0 | 0 |
| 4 Feb | 0 | 0 | 0 | 0 |
| 5 Feb | 0 | 0 | 0 | 0 |
| 6 Feb | 1 | 0 | 0 | 1 |
| 7 Feb | 3 | 0 | 2 | 1 |
| 8 Feb | 0 | 0 | 0 | 0 |
| 9 Feb | 0 | 0 | 0 | 0 |
| 10 Feb | 0 | 0 | 0 | 0 |
| 11 Feb | 0 | 0 | 0 | 0 |
| 12 Feb | 1 | 1 | 0 | 0 |
| 13 Feb | 6 | 4 | 1 | 1 |
| 14 Feb | 6 | 1 | 2 | 3 |
| 15 Feb | 0 | 0 | 0 | 0 |
| 16 Feb | 0 | 0 | 0 | 0 |
| 17 Feb | 6 | 4 | 1 | 1 |
| 18 Feb | 0 | 0 | 0 | 0 |
| 19 Feb | 0 | 0 | 0 | 0 |
| 20 Feb | 0 | 0 | 0 | 0 |
| 21 Feb | 5 | 1 | 2 | 2 |
| 22 Feb | 0 | 0 | 0 | 0 |
| 23 Feb | 0 | 0 | 0 | 0 |
| 24 Feb | 3 | 3 | 0 | 0 |
| 25 Feb | 1 | 0 | 0 | 1 |
| 26 Feb | 0 | 0 | 0 | 0 |
| 27 Feb | 3 | 2 | 1 | 0 |
| 28 Feb | 2 | 0 | 1 | 1 |
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 most of the decline in penalty value
Disclosed penalty value fell from ₹8.07 crore in January 2025 to ₹3.06 crore in February 2025, a reduction of ₹5.01 crore. Banks accounted for ₹2.09 crore in February 2025 and 95.3% of the decline, while co-operative banks accounted for 13.2%.
Severe actions took a smaller share than in January
There were 11 severe actions, or 29.7% of the total, and the severity average was 2.3. January 2025 had 16 severe actions, or 34.0%; February recorded 2 cancellations and 1 supersession, compared with 3 cancellations and 1 supersession in January.
Penalty awards were smaller and less concentrated
The 26 monetary-penalty actions had a median penalty of ₹1.9 lakh and a maximum of ₹66.6 lakh. The five largest penalties made up 76.3% of disclosed value, compared with 85.1% in January 2025.
Eleven existing orders were due to expire in March
The in-force stock comprised 27 orders covering 26 entities. Eleven were due to expire between 1 March 2025 and 31 March 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 penalty26 · 70.3%
Previous 31 · 66%
- Business restriction6 · 16.2%
Previous 8 · 17%
- Action lifted2 · 5.4%
Previous 4 · 8.5%
- Licence cancellation2 · 5.4%
Previous 3 · 6.4%
- Board supersession1 · 2.7%
Previous 1 · 2.1%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action30 · 81.1%
Previous 35 · 74.5%
- Extension5 · 13.5%
Previous 8 · 17%
- Lifted / withdrawn2 · 5.4%
Previous 4 · 8.5%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank23 · 62.2%
Previous 33 · 70.2%
- Bank7 · 18.9%
Previous 5 · 10.6%
- NBFC7 · 18.9%
Previous 9 · 19.1%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure22 · 59.5%
Previous 22 · 46.8%
- Lending norms10 · 27%
Previous 13 · 27.7%
- Customer protection9 · 24.3%
Previous 11 · 23.4%
- KYC / AML9 · 24.3%
Previous 15 · 31.9%
- Governance & oversight7 · 18.9%
Previous 13 · 27.7%
- Licensing breach5 · 13.5%
Previous 2 · 4.3%
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 Hongkong and Shanghai Banking Corporation Limited
28 Feb 2025₹66.6 lakhmonetary penaltyThe Hongkong and Shanghai Banking Corporation Limited
RBI imposed a penalty for non-compliance with directions on KYC, reporting unhedged foreign currency exposures to CICs, and interest rates on deposits. It was the period's largest disclosed penalty.
RBI cancels Certificate of Registration of 17 NBFCs
14 Feb 2025licence cancellationZion Financial Services Pvt Ltd
RBI cancelled the Certificate of Registration of 17 NBFCs. The companies are no longer permitted to transact business as non-banking financial institutions.
Supersession of Board of Directors of New India Cooperative Bank Ltd., Mumbai
14 Feb 2025board supersessionNew India Cooperative Bank Ltd., Mumbai
RBI superseded the bank’s Board for 12 months due to material concerns arising from poor governance standards observed in the bank.
Restoration of Certificate of Registration by RBI
14 Feb 2025action liftedRBI restored the NBFC’s Certificate of Registration after considering orders of the Appellate Authority/Courts.
What It Cost
26 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹1.88 L
- Largest
- ₹66.6 L
- Top five
- ₹2.33 cr
- 95th percentile
- ₹61.4 L
Previous ₹2.1 L
Previous ₹3.32 cr
Previous ₹6.87 cr
Previous ₹1.64 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 | ₹2.09 cr | ₹6.87 cr | 95.3% |
| Co-operative bank | ₹49.35 L | ₹1.15 cr | 13.2% |
| NBFC | ₹47.25 L | ₹4.6 L | -8.5% |
Entity Coverage
- Declared
- 53
- Names extracted
- 52
- Canonical links
- 52
- First seen
- 20
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
- 27
- Entities
- 26
- Expiring next
- 11
- Duplicate entity rows
- 1
Next expiry window: 1 Mar 2025–31 Mar 2025.