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 Oct | 0 | 0 | 0 | 0 |
| 2 Oct | 0 | 0 | 0 | 0 |
| 3 Oct | 6 | 2 | 4 | 0 |
| 4 Oct | 0 | 0 | 0 | 0 |
| 5 Oct | 0 | 0 | 0 | 0 |
| 6 Oct | 0 | 0 | 0 | 0 |
| 7 Oct | 7 | 0 | 0 | 7 |
| 8 Oct | 1 | 0 | 0 | 1 |
| 9 Oct | 0 | 0 | 0 | 0 |
| 10 Oct | 0 | 0 | 0 | 0 |
| 11 Oct | 0 | 0 | 0 | 0 |
| 12 Oct | 0 | 0 | 0 | 0 |
| 13 Oct | 2 | 0 | 0 | 2 |
| 14 Oct | 2 | 0 | 0 | 2 |
| 15 Oct | 0 | 0 | 0 | 0 |
| 16 Oct | 7 | 4 | 3 | 0 |
| 17 Oct | 1 | 0 | 0 | 1 |
| 18 Oct | 0 | 0 | 0 | 0 |
| 19 Oct | 0 | 0 | 0 | 0 |
| 20 Oct | 0 | 0 | 0 | 0 |
| 21 Oct | 0 | 0 | 0 | 0 |
| 22 Oct | 1 | 0 | 0 | 1 |
| 23 Oct | 1 | 0 | 1 | 0 |
| 24 Oct | 1 | 0 | 0 | 1 |
| 25 Oct | 0 | 0 | 0 | 0 |
| 26 Oct | 0 | 0 | 0 | 0 |
| 27 Oct | 5 | 5 | 0 | 0 |
| 28 Oct | 0 | 0 | 0 | 0 |
| 29 Oct | 0 | 0 | 0 | 0 |
| 30 Oct | 2 | 1 | 1 | 0 |
| 31 Oct | 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.
Severe actions took a larger share of the action set
Severe actions accounted for 41.7% in October 2025, up from 16.7% in September 2025. There were 15 severe actions, compared with 7 in September 2025. The month included 3 cancellations and 1 supersession, compared with 2 cancellations and 0 supersessions in September 2025.
Co-operative banks accounted for most of the fall in penalty value
Disclosed penalty value fell by ₹45.3 lakh, from ₹1.44 crore in September 2025 to ₹99.0 lakh in October 2025. Co-operative banks accounted for 58.1% of the decline, with ₹62.5 lakh in October 2025 against ₹88.8 lakh in September 2025.
Two bulk orders accounted for 35 entity declarations
The 36 records declared 69 entities. Two orders dated 13 October 2025 accounted for 35 declarations: one covered 21 NBFCs and another declared 14 NBFCs and 1 HFC.
The five largest penalties made up most of the disclosed value
The top five penalties accounted for 74.0% of the ₹99.0 lakh total. The largest was ₹31.8 lakh, or 32.1% of the total, while the median penalty was ₹1.2 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 penalty20 · 55.6%
Previous 34 · 81%
- Business restriction11 · 30.6%
Previous 5 · 11.9%
- Licence cancellation3 · 8.3%
Previous 2 · 4.8%
- Action lifted1 · 2.8%
Previous 1 · 2.4%
- Board supersession1 · 2.8%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action28 · 77.8%
Previous 36 · 85.7%
- Extension7 · 19.4%
Previous 5 · 11.9%
- Lifted / withdrawn1 · 2.8%
Previous 1 · 2.4%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank31 · 86.1%
Previous 36 · 85.7%
- NBFC4 · 11.1%
Previous 4 · 9.5%
- Bank1 · 2.8%
Previous 1 · 2.4%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure17 · 47.2%
Previous 32 · 76.2%
- KYC / AML10 · 27.8%
Previous 12 · 28.6%
- Capital & exposure norms9 · 25%
Previous 7 · 16.7%
- Customer protection9 · 25%
Previous 9 · 21.4%
- Governance & oversight9 · 25%
Previous 5 · 11.9%
- Other9 · 25%
Previous 4 · 9.5%
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 American Express Banking Corp
3 Oct 2025₹31.8 lakhmonetary penaltyAmerican Express Banking Corp.
American Express Banking Corp. received the largest disclosed penalty of the period for non-compliance with RBI's Credit Card and Debit Card - Issuance and Conduct Directions, 2022. The bank failed to make efforts to reverse certain credit balances arising from refund / failed / reversed transactions to customers' bank accounts.
RBI cancels Certificate of Registration of 21 NBFCs
13 Oct 2025licence cancellationAnand Private Limited
RBI cancelled the Certificates of Registration of 21 NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies were consequently barred from transacting business as a non-banking financial institution.
RBI cancels the licence of Jijamata Mahila Sahakari Bank Ltd., Satara, Maharashtra
7 Oct 2025licence cancellationJijamata Mahila Sahakari Bank Ltd., Satara, Maharashtra
RBI cancelled the bank’s licence because it lacked adequate capital and earning prospects, had deteriorating financial position, and was non-compliant with licensing provisions. RBI also said continuation of the bank would prejudice depositors and public interest.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Pune Sahakari Bank Ltd., Shivajinagar, Pune – Withdrawal of Directions
16 Oct 2025action liftedPune Sahakari Bank Ltd., Shivajinagar, Pune
RBI withdrew the Section 35A read with Section 56 directions earlier issued to the bank. The release states the withdrawal is effective from close of business on October 16, 2025.
What It Cost
20 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹1.2 L
- Largest
- ₹31.8 L
- Top five
- ₹73.3 L
- Percentiles
- Suppressed
Previous ₹1.8 L
Previous ₹31.8 L
Previous ₹88.6 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 |
|---|---|---|---|
| Co-operative bank | ₹62.5 L | ₹88.8 L | 58.1% |
| Payment entity | ₹0 | ₹21 L | 46.4% |
| NBFC | ₹4.7 L | ₹2.7 L | -4.4% |
| Bank | ₹31.8 L | ₹31.8 L | 0% |
Entity Coverage
- Declared
- 69
- Names extracted
- 57
- Canonical links
- 57
- First seen
- 11
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
- 26
- Entities
- 26
- Expiring next
- 3
- Duplicate entity rows
- 0
Next expiry window: 1 Nov 2025–30 Nov 2025.