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 |
|---|---|---|---|---|
| 30 Dec | 5 | 1 | 4 | 0 |
| 6 Jan | 11 | 5 | 2 | 4 |
| 13 Jan | 10 | 7 | 1 | 2 |
| 20 Jan | 10 | 3 | 0 | 7 |
| 27 Jan | 11 | 3 | 5 | 3 |
| 3 Feb | 4 | 0 | 2 | 2 |
| 10 Feb | 13 | 6 | 3 | 4 |
| 17 Feb | 11 | 5 | 3 | 3 |
| 24 Feb | 9 | 5 | 2 | 2 |
| 3 Mar | 14 | 4 | 4 | 6 |
| 10 Mar | 3 | 1 | 1 | 1 |
| 17 Mar | 14 | 8 | 5 | 1 |
| 24 Mar | 31 | 15 | 10 | 6 |
| 31 Mar | 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.
Banks account for most of the increase in penalty value
Disclosed penalty value rose from ₹4.65 crore to ₹15.87 crore, an increase of ₹11.23 crore. Banks accounted for ₹11.13 crore of the current value and 81.4% of the increase, while NBFCs accounted for ₹2.10 crore and 13.8%.
NBFCs took a larger share of the action records
Co-operative banks accounted for 95 actions, or 65.1%, down from 86.2% and 125 actions in Q4 2024. NBFCs accounted for 33 actions, or 22.6%, up from 9.0% and 13 actions.
The disclosed penalty distribution shifted towards larger amounts
The median penalty rose from ₹1.6 lakh to ₹2.0 lakh, while the largest disclosed penalty rose from ₹61.4 lakh to ₹3.32 crore. The 90th percentile also increased from ₹6.3 lakh to ₹39.0 lakh.
Severe actions remained broadly stable as a share of records
There were 41 severe actions, or 28.1% of records, compared with 40 and 27.6% in Q4 2024. The period also had 7 cancellations and 2 supersessions, compared with 7 cancellations and 1 supersession.
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 penalty107 · 73.3%
Previous 102 · 70.3%
- Business restriction23 · 15.8%
Previous 30 · 20.7%
- Action lifted7 · 4.8%
Previous 4 · 2.8%
- Licence cancellation7 · 4.8%
Previous 7 · 4.8%
- Board supersession2 · 1.4%
Previous 1 · 0.7%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action117 · 80.1%
Previous 110 · 75.9%
- Extension22 · 15.1%
Previous 31 · 21.4%
- Lifted / withdrawn7 · 4.8%
Previous 4 · 2.8%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank95 · 65.1%
Previous 125 · 86.2%
- NBFC33 · 22.6%
Previous 13 · 9%
- Bank17 · 11.6%
Previous 6 · 4.1%
- Credit bureau1 · 0.7%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure81 · 55.5%
Previous 73 · 50.3%
- Lending norms51 · 34.9%
Previous 48 · 33.1%
- Governance & oversight34 · 23.3%
Previous 36 · 24.8%
- KYC / AML32 · 21.9%
Previous 31 · 21.4%
- Customer protection29 · 19.9%
Previous 20 · 13.8%
- Capital & exposure norms23 · 15.8%
Previous 27 · 18.6%
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 Jammu and Kashmir Bank Limited
24 Jan 2025₹3.32 croremonetary penaltyJammu and Kashmir Bank Limited
This record imposed the period's largest disclosed penalty, ₹3.32 crore, on Jammu and Kashmir Bank Limited for non-compliance with RBI directions on Basic Savings Bank Deposit Accounts (BSBDA), KYC, and restrictions on loans and advances.
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.
Reserve Bank cancels Certificate of Registration (CoR) of M/s. Unitara Finance Limited
24 Mar 2025licence cancellationM/s. Unitara Finance Limited
RBI cancelled the company’s Certificate of Registration under Section 45-IA(6) of the RBI Act, 1934. M/s. Unitara Finance Limited can no longer carry on NBFC business.
Restoration of Certificate of Registration by RBI
17 Mar 2025action liftedRBI restored the Certificate of Registration of the listed NBFCs after considering orders passed by the Appellate Authority/Courts.
What It Cost
107 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹3.32 cr
- Top five
- ₹7.39 cr
- 95th percentile
- ₹66.6 L
Previous ₹1.55 L
Previous ₹61.4 L
Previous ₹2.13 cr
Previous ₹20 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 | ₹11.13 cr | ₹1.99 cr | 81.4% |
| NBFC | ₹2.1 cr | ₹54.55 L | 13.8% |
| Co-operative bank | ₹2.63 cr | ₹2.11 cr | 4.6% |
| Credit bureau | ₹2 L | ₹0 | 0.2% |
Entity Coverage
- Declared
- 172
- Names extracted
- 171
- Canonical links
- 171
- First seen
- 106
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
- 24
- Entities
- 24
- Expiring next
- 23
- Duplicate entity rows
- 0
Next expiry window: 1 Apr 2025–30 Jun 2025.