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 | 0 | 0 | 0 | 0 |
| 2 Jul | 0 | 0 | 0 | 0 |
| 3 Jul | 2 | 1 | 1 | 0 |
| 4 Jul | 3 | 0 | 0 | 3 |
| 5 Jul | 0 | 0 | 0 | 0 |
| 6 Jul | 0 | 0 | 0 | 0 |
| 7 Jul | 2 | 0 | 0 | 2 |
| 8 Jul | 0 | 0 | 0 | 0 |
| 9 Jul | 0 | 0 | 0 | 0 |
| 10 Jul | 3 | 2 | 1 | 0 |
| 11 Jul | 2 | 0 | 2 | 0 |
| 12 Jul | 0 | 0 | 0 | 0 |
| 13 Jul | 0 | 0 | 0 | 0 |
| 14 Jul | 2 | 0 | 0 | 2 |
| 15 Jul | 0 | 0 | 0 | 0 |
| 16 Jul | 0 | 0 | 0 | 0 |
| 17 Jul | 4 | 2 | 2 | 0 |
| 18 Jul | 0 | 0 | 0 | 0 |
| 19 Jul | 0 | 0 | 0 | 0 |
| 20 Jul | 0 | 0 | 0 | 0 |
| 21 Jul | 6 | 4 | 1 | 1 |
| 22 Jul | 1 | 0 | 0 | 1 |
| 23 Jul | 2 | 0 | 0 | 2 |
| 24 Jul | 1 | 0 | 0 | 1 |
| 25 Jul | 0 | 0 | 0 | 0 |
| 26 Jul | 0 | 0 | 0 | 0 |
| 27 Jul | 0 | 0 | 0 | 0 |
| 28 Jul | 2 | 1 | 1 | 0 |
| 29 Jul | 0 | 0 | 0 | 0 |
| 30 Jul | 3 | 0 | 0 | 3 |
| 31 Jul | 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.
Disclosed penalty value shifted away from payment entities
Payment entities accounted for ₹0 in July 2025, down from ₹29.6 lakh in June 2025. Co-operative banks rose to ₹42.0 lakh from ₹35.8 lakh; banks and NBFCs recorded ₹4.9 lakh and ₹2.7 lakh in July 2025.
Severe actions took a larger share of the month’s records
15 actions were severe, or 45.5%, compared with 7, or 29.2%, in June 2025. The average severity was 2.67.
A small group of actions accounted for most disclosed penalties
The 17 monetary-penalty actions disclosed ₹49.6 lakh in total, with the largest penalty of ₹15.0 lakh accounting for 30.3%. The top five penalties made up 66.3%, while the median penalty was ₹2.0 lakh.
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 penalty17 · 51.5%
Previous 17 · 70.8%
- Business restriction13 · 39.4%
Previous 6 · 25%
- Licence cancellation2 · 6.1%
Previous 1 · 4.2%
- Action lifted1 · 3%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action25 · 75.8%
Previous 18 · 75%
- Extension7 · 21.2%
Previous 6 · 25%
- Lifted / withdrawn1 · 3%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank29 · 87.9%
Previous 19 · 79.2%
- NBFC3 · 9.1%
Previous 4 · 16.7%
- Bank1 · 3%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Capital & exposure norms13 · 39.4%
Previous 7 · 29.2%
- Governance & oversight11 · 33.3%
Previous 6 · 25%
- Reporting & disclosure10 · 30.3%
Previous 5 · 20.8%
- Customer protection9 · 27.3%
Previous 1 · 4.2%
- Lending norms6 · 18.2%
Previous 5 · 20.8%
- KYC / AML5 · 15.2%
Previous 9 · 37.5%
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 Solapur Janata Sahakari Bank Limited
10 Jul 2025₹15.0 lakhmonetary penaltySolapur Janata Sahakari Bank Limited
It was the period’s largest disclosed penalty at ₹15.0 lakh. The bank’s bye-laws permitted admission of a co-operative society as a member, contrary to the Banking Regulation Act, 1949.
RBI cancels Certificate of Registration of 10 NBFCs
21 Jul 2025licence cancellationParidhi Trading Company Pvt Ltd
It was the widest order, cancelling the Certificates of Registration of 10 NBFCs. The companies were directed not to transact business as a Non-Banking Financial Institution.
RBI cancels the licence of The Karwar Urban Co-operative Bank Ltd., Karwar
23 Jul 2025licence cancellationThe Karwar Urban Co-operative Bank Ltd., Karwar
This was the highest-severity single-entity action. RBI cancelled the bank’s licence for inadequate capital and earning prospects, multiple breaches of licensing requirements under the Banking Regulation Act, and because continuance was prejudicial to depositors and public interest.
Restoration of Certificate of Registration of one NBFC by RBI
21 Jul 2025action liftedthe following Non-Banking Financial Company (NBFC)
It was the period’s relief action. The Certificate of Registration issued to an NBFC was restored after orders passed by the Appellate Authority/Courts.
What It Cost
17 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹15 L
- Top five
- ₹32.88 L
- Percentiles
- Suppressed
Previous ₹1 L
Previous ₹29.6 L
Previous ₹54.9 L
Too few priced actions for a stable tail estimate.
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 |
|---|---|---|---|
| Payment entity | ₹0 | ₹29.6 L | 161.7% |
| Co-operative bank | ₹42 L | ₹35.8 L | -33.9% |
| Bank | ₹4.88 L | ₹0 | -26.7% |
| NBFC | ₹2.7 L | ₹2.48 L | -1.2% |
Entity Coverage
- Declared
- 42
- Names extracted
- 42
- Canonical links
- 42
- First seen
- 12
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 23
- Entities
- 23
- Expiring next
- 2
- Duplicate entity rows
- 0
Next expiry window: 1 Aug 2025–31 Aug 2025.