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 Dec | 2 | 1 | 1 | 0 |
| 2 Dec | 0 | 0 | 0 | 0 |
| 3 Dec | 0 | 0 | 0 | 0 |
| 4 Dec | 0 | 0 | 0 | 0 |
| 5 Dec | 4 | 0 | 3 | 1 |
| 6 Dec | 0 | 0 | 0 | 0 |
| 7 Dec | 0 | 0 | 0 | 0 |
| 8 Dec | 5 | 2 | 1 | 2 |
| 9 Dec | 1 | 0 | 0 | 1 |
| 10 Dec | 0 | 0 | 0 | 0 |
| 11 Dec | 2 | 1 | 0 | 1 |
| 12 Dec | 0 | 0 | 0 | 0 |
| 13 Dec | 0 | 0 | 0 | 0 |
| 14 Dec | 0 | 0 | 0 | 0 |
| 15 Dec | 1 | 1 | 0 | 0 |
| 16 Dec | 1 | 0 | 0 | 1 |
| 17 Dec | 1 | 0 | 0 | 1 |
| 18 Dec | 3 | 1 | 1 | 1 |
| 19 Dec | 1 | 0 | 0 | 1 |
| 20 Dec | 0 | 0 | 0 | 0 |
| 21 Dec | 0 | 0 | 0 | 0 |
| 22 Dec | 0 | 0 | 0 | 0 |
| 23 Dec | 1 | 0 | 0 | 1 |
| 24 Dec | 0 | 0 | 0 | 0 |
| 25 Dec | 0 | 0 | 0 | 0 |
| 26 Dec | 0 | 0 | 0 | 0 |
| 27 Dec | 0 | 0 | 0 | 0 |
| 28 Dec | 0 | 0 | 0 | 0 |
| 29 Dec | 4 | 2 | 2 | 0 |
| 30 Dec | 0 | 0 | 0 | 0 |
| 31 Dec | 2 | 0 | 0 | 2 |
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 made up a larger share of December enforcement
There were 12 severe actions, representing 42.9% of the month’s actions, compared with 7 and 26.9% in November 2025. The average severity score was 2.61, while December recorded 1 cancellation and no supersession.
Banks carried more than the net increase in penalty value
Disclosed penalty value rose to ₹1.91 crore from ₹1.63 crore, an increase of ₹27.2 lakh. Banks accounted for 112.6% of that change, with ₹1.61 crore from 2 actions against ₹1.31 crore from 2 in November 2025, while co-operative bank value moved down to ₹14.5 lakh from ₹25.5 lakh.
One penalty accounted for more than half of disclosed value
The largest of the 18 stated-amount penalties was ₹99.3 lakh, or 52.1% of the total. The top five accounted for 91.1%, while the median penalty was ₹2.0 lakh.
Thirteen orders in force were due to expire in January
The month ended with 29 orders in force covering 29 entities. Thirteen were due to expire between 1 January 2026 and 31 January 2026; the longest-running orders had been in force for 6 months until 4 January 2026.
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 penalty18 · 64.3%
Previous 19 · 73.1%
- Business restriction9 · 32.1%
Previous 4 · 15.4%
- Licence cancellation1 · 3.6%
Previous 1 · 3.8%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action23 · 82.1%
Previous 21 · 80.8%
- Extension5 · 17.9%
Previous 4 · 15.4%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank20 · 71.4%
Previous 20 · 76.9%
- NBFC5 · 17.9%
Previous 4 · 15.4%
- Bank3 · 10.7%
Previous 2 · 7.7%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure14 · 50%
Previous 7 · 26.9%
- Governance & oversight11 · 39.3%
Previous 8 · 30.8%
- Capital & exposure norms8 · 28.6%
Previous 7 · 26.9%
- Lending norms8 · 28.6%
Previous 10 · 38.5%
- KYC / AML7 · 25%
Previous 8 · 30.8%
- Customer protection6 · 21.4%
Previous 4 · 15.4%
Defining Actions
Up to four non-duplicative actions selected for monetary impact, breadth, severity or relief. Quiet periods may show fewer.
Reserve Bank of India imposes monetary penalty on Jammu and Kashmir Bank Limited
5 Dec 2025₹99.3 lakhmonetary penaltyJammu and Kashmir Bank Limited
RBI imposed a monetary penalty on Jammu and Kashmir Bank Limited for contravention of section 26A of the Banking Regulation Act, 1949 and non-compliance with directions on Internal Ombudsman Scheme 2018, Customer Service in Banks, and KYC Directions.
RBI cancels Certificate of Registration of 4 NBFCs
11 Dec 2025licence cancellationGem Investments & Trading Co Pvt Ltd
RBI cancelled the Certificate of Registration of four NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies are barred from transacting NBFC business.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – The Bhavani Sahakari Bank Ltd., Mumbai – Extension of Period
31 Dec 2025business restrictionThe Bhavani Sahakari Bank Ltd., Mumbai
RBI extended the Section 35A/Section 56 directions against the bank for three more months. The order states that all other terms and conditions remain unchanged.
What It Cost
18 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.05 L
- Largest
- ₹99.3 L
- Top five
- ₹1.74 cr
- Percentiles
- Suppressed
Previous ₹1.5 L
Previous ₹91 L
Previous ₹1.46 cr
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 |
|---|---|---|---|
| Bank | ₹1.61 cr | ₹1.31 cr | 112.6% |
| Co-operative bank | ₹14.48 L | ₹25.5 L | -40.5% |
| NBFC | ₹14.8 L | ₹7.2 L | 27.9% |
Entity Coverage
- Declared
- 31
- Names extracted
- 31
- Canonical links
- 31
- First seen
- 14
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Orders Still in Force
- Orders
- 29
- Entities
- 29
- Expiring next
- 13
- Duplicate entity rows
- 0
Next expiry window: 1 Jan 2026–31 Jan 2026.