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 Sept | 4 | 3 | 1 | 0 |
| 2 Sept | 0 | 0 | 0 | 0 |
| 3 Sept | 0 | 0 | 0 | 0 |
| 4 Sept | 5 | 1 | 3 | 1 |
| 5 Sept | 1 | 1 | 0 | 0 |
| 6 Sept | 0 | 0 | 0 | 0 |
| 7 Sept | 0 | 0 | 0 | 0 |
| 8 Sept | 1 | 0 | 0 | 1 |
| 9 Sept | 6 | 2 | 3 | 1 |
| 10 Sept | 0 | 0 | 0 | 0 |
| 11 Sept | 3 | 1 | 1 | 1 |
| 12 Sept | 3 | 1 | 1 | 1 |
| 13 Sept | 0 | 0 | 0 | 0 |
| 14 Sept | 0 | 0 | 0 | 0 |
| 15 Sept | 0 | 0 | 0 | 0 |
| 16 Sept | 0 | 0 | 0 | 0 |
| 17 Sept | 0 | 0 | 0 | 0 |
| 18 Sept | 5 | 2 | 3 | 0 |
| 19 Sept | 1 | 0 | 0 | 1 |
| 20 Sept | 0 | 0 | 0 | 0 |
| 21 Sept | 0 | 0 | 0 | 0 |
| 22 Sept | 1 | 0 | 0 | 1 |
| 23 Sept | 0 | 0 | 0 | 0 |
| 24 Sept | 0 | 0 | 0 | 0 |
| 25 Sept | 5 | 4 | 1 | 0 |
| 26 Sept | 1 | 0 | 1 | 0 |
| 27 Sept | 0 | 0 | 0 | 0 |
| 28 Sept | 0 | 0 | 0 | 0 |
| 29 Sept | 5 | 4 | 1 | 0 |
| 30 Sept | 1 | 0 | 1 | 0 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
Severe actions took a larger share of the enforcement record
Seven actions were classified as severe, or 16.7%, up from 3 actions and 9.7% in August 2025. The month recorded 2 cancellations, compared with 1 cancellation in August 2025.
Bank penalties accounted for more than the full decline in disclosed value
Disclosed penalty value fell by ₹31.1 lakh, from ₹1.75 crore to ₹1.44 crore. Bank penalties were ₹31.8 lakh across 1 action, against ₹1.24 crore across 3 actions in August 2025, accounting for 296.5% of the decline; co-operative-bank penalties rose to ₹88.8 lakh from ₹50.4 lakh, offsetting part of the fall.
The penalty distribution was less concentrated at the top
The median penalty rose to ₹1.8 lakh from ₹1.0 lakh, while the maximum fell to ₹31.8 lakh from ₹75.0 lakh. The top five accounted for 61.4% of disclosed penalty value, down from 82.6%.
Declared entities were not the same as separate action records
The period's action records declared 73 entities. The largest order declared 31 entities, so the entity total is not a count of separate action records.
Reporting and disclosure was the most common recorded theme
Reporting and disclosure appeared in 32 actions, or 76.2% of actions. KYC / AML appeared in 12 actions, or 28.6%, while customer protection and lending norms each appeared in 9, or 21.4%; themes overlap.
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 penalty34 · 81%
Previous 28 · 90.3%
- Business restriction5 · 11.9%
Previous 1 · 3.2%
- Licence cancellation2 · 4.8%
Previous 1 · 3.2%
- Action lifted1 · 2.4%
Previous 1 · 3.2%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action36 · 85.7%
Previous 29 · 93.5%
- Extension5 · 11.9%
Previous 1 · 3.2%
- Lifted / withdrawn1 · 2.4%
Previous 1 · 3.2%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank36 · 85.7%
Previous 24 · 77.4%
- NBFC4 · 9.5%
Previous 4 · 12.9%
- Bank1 · 2.4%
Previous 3 · 9.7%
- Payment entity1 · 2.4%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure32 · 76.2%
Previous 22 · 71%
- KYC / AML12 · 28.6%
Previous 10 · 32.3%
- Customer protection9 · 21.4%
Previous 2 · 6.5%
- Lending norms9 · 21.4%
Previous 9 · 29%
- Capital & exposure norms7 · 16.7%
Previous 5 · 16.1%
- Governance & oversight5 · 11.9%
Previous 9 · 29%
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 Indian Overseas Bank
30 Sept 2025₹31.8 lakhmonetary penaltyIndian Overseas Bank
The action records the period's largest disclosed penalty against Indian Overseas Bank. It concerned loan-related charges collected in certain Priority Sector Lending accounts with sanctioned loan amounts up to ₹25,000.
RBI cancels Certificate of Registration of 31 NBFCs
12 Sept 2025licence cancellationKamsco Industries Pvt Ltd
RBI cancelled the Certificates of Registration of 31 NBFCs, barring the companies from carrying on NBFC business.
Reserve Bank cancels Certificate of Registration of Datta Finance and Trading Private Limited due to irregular lending practices
22 Sept 2025licence cancellationDatta Finance and Trading Private Limited
The RBI cancelled Datta Finance and Trading Private Limited's NBFC Certificate of Registration. The title indicates the action was due to irregular lending practices.
Restoration of Certificate of Registration of two NBFCs by RBI
12 Sept 2025action liftedRBG Leasing and Credit Private Limited
RBI restored the Certificate of Registration of two NBFCs after considering orders passed by the Appellate Authority/Courts.
What It Cost
34 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹1.8 L
- Largest
- ₹31.8 L
- Top five
- ₹88.6 L
- 95th percentile
- ₹21 L
Previous ₹1 L
Previous ₹75 L
Previous ₹1.45 cr
Previous ₹44.7 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 | ₹31.8 L | ₹1.24 cr | 296.5% |
| Co-operative bank | ₹88.8 L | ₹50.36 L | -123.8% |
| Payment entity | ₹21 L | ₹0 | -67.6% |
| NBFC | ₹2.7 L | ₹1.1 L | -5.2% |
Entity Coverage
- Declared
- 73
- Names extracted
- 83
- Canonical links
- 83
- First seen
- 12
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 21
- Entities
- 21
- Expiring next
- 7
- Duplicate entity rows
- 0
Next expiry window: 1 Oct 2025–31 Oct 2025.