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 |
|---|---|---|---|---|
| 31 Mar | 1 | 0 | 1 | 0 |
| 7 Apr | 9 | 3 | 1 | 5 |
| 14 Apr | 5 | 0 | 2 | 3 |
| 21 Apr | 8 | 0 | 0 | 8 |
| 28 Apr | 5 | 0 | 3 | 2 |
| 5 May | 13 | 7 | 2 | 4 |
| 12 May | 8 | 6 | 2 | 0 |
| 19 May | 5 | 1 | 1 | 3 |
| 26 May | 4 | 0 | 2 | 2 |
| 2 Jun | 12 | 7 | 2 | 3 |
| 9 Jun | 3 | 0 | 0 | 3 |
| 16 Jun | 2 | 1 | 1 | 0 |
| 23 Jun | 5 | 4 | 0 | 1 |
| 30 Jun | 2 | 1 | 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.
The penalty distribution shifted toward larger upper-tail awards
The 54 disclosed penalties totalled ₹12.71 crore, with a median of ₹2.0 lakh. The 90th percentile rose to ₹63.6 lakh from ₹39.0 lakh, while the 95th percentile rose to ₹1.00 crore from ₹66.6 lakh.
Severe measures made up a larger share of actions
Severe actions accounted for 41.5% of records, up from 28.1% in Q1 2025. There were 34 severe actions, compared with 41 previously, while cancellations rose to 9 from 7 and supersessions fell to 0 from 2.
Co-operative banks account for most of the penalty-value decline
The disclosed penalty total fell by ₹3.16 crore. Co-operative bank penalties were ₹64.5 lakh, down from ₹2.63 crore, accounting for 62.6% of the decline; NBFCs accounted for 30.1%.
Most orders in force were due to expire in the next quarter
There were 17 orders in force covering 17 entities. Fifteen were due to expire between 1 July 2025 and 30 September 2025.
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 penalty54 · 65.9%
Previous 107 · 73.3%
- Business restriction16 · 19.5%
Previous 23 · 15.8%
- Licence cancellation9 · 11%
Previous 7 · 4.8%
- Action lifted3 · 3.7%
Previous 7 · 4.8%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action64 · 78%
Previous 117 · 80.1%
- Extension15 · 18.3%
Previous 22 · 15.1%
- Lifted / withdrawn3 · 3.7%
Previous 7 · 4.8%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank53 · 64.6%
Previous 95 · 65.1%
- Bank17 · 20.7%
Previous 17 · 11.6%
- NBFC11 · 13.4%
Previous 33 · 22.6%
- Payment entity1 · 1.2%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure32 · 39%
Previous 81 · 55.5%
- Lending norms22 · 26.8%
Previous 51 · 34.9%
- Capital & exposure norms19 · 23.2%
Previous 23 · 15.8%
- Customer protection19 · 23.2%
Previous 29 · 19.9%
- Governance & oversight18 · 22%
Previous 34 · 23.3%
- KYC / AML17 · 20.7%
Previous 32 · 21.9%
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 State Bank of India
9 May 2025₹1.73 croremonetary penaltyState Bank of India
RBI imposed a penalty on State Bank of India for non-compliance with directions on loans and advances, customer protection in unauthorised electronic transactions, and discipline in opening and maintaining current accounts. It was the largest disclosed penalty in the period.
RBI cancels Certificate of Registration of 6 NBFCs
9 Apr 2025licence cancellationThamiraparani Investments Private Limited
RBI cancelled the Certificate of Registration of six NBFCs under Section 45-IA(6) of the RBI Act, 1934. The affected companies are therefore no longer permitted to transact NBFC business.
Reserve Bank cancels Certificate of Registration of M/s N.Y.Leasing Private Limited due to irregular lending practices
29 May 2025licence cancellationM/s N.Y.Leasing Private Limited
The Reserve Bank cancelled the NBFC’s Certificate of Registration under Section 45-IA(6) of the RBI Act. The title indicates the cancellation was due to irregular lending practices.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Padmashri Dr. Vithalrao Vikhe Patil Co-operative Bank Ltd., Nashik, Maharashtra - Withdrawal of Directions
16 May 2025action liftedPadmashri Dr. Vithalrao Vikhe Patil Co-operative Bank Ltd., Nashik, Maharashtra
RBI reviewed the bank’s financial position and decided to withdraw the Section 35A read with Section 56 directions previously imposed on the co-operative bank.
What It Cost
54 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.05 L
- Largest
- ₹1.73 cr
- Top five
- ₹6.03 cr
- 95th percentile
- ₹1 cr
Previous ₹2 L
Previous ₹3.32 cr
Previous ₹7.39 cr
Previous ₹66.6 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 |
|---|---|---|---|
| Co-operative bank | ₹64.5 L | ₹2.63 cr | 62.6% |
| NBFC | ₹1.14 cr | ₹2.1 cr | 30.1% |
| Bank | ₹10.63 cr | ₹11.13 cr | 16% |
| Payment entity | ₹29.6 L | ₹0 | -9.4% |
| Credit bureau | ₹0 | ₹2 L | 0.6% |
Entity Coverage
- Declared
- 92
- Names extracted
- 93
- Canonical links
- 93
- First seen
- 32
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
- 17
- Entities
- 17
- Expiring next
- 15
- Duplicate entity rows
- 0
Next expiry window: 1 Jul 2025–30 Sept 2025.