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 Jun | 5 | 1 | 1 | 3 |
| 7 Jul | 7 | 2 | 3 | 2 |
| 14 Jul | 6 | 2 | 2 | 2 |
| 21 Jul | 10 | 4 | 1 | 5 |
| 28 Jul | 5 | 1 | 1 | 3 |
| 4 Aug | 8 | 3 | 3 | 2 |
| 11 Aug | 12 | 6 | 5 | 1 |
| 18 Aug | 1 | 1 | 0 | 0 |
| 25 Aug | 10 | 9 | 1 | 0 |
| 1 Sept | 10 | 5 | 4 | 1 |
| 8 Sept | 13 | 4 | 5 | 4 |
| 15 Sept | 6 | 2 | 3 | 1 |
| 22 Sept | 7 | 4 | 2 | 1 |
| 29 Sept | 6 | 4 | 2 | 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 accounted for all of the decline in disclosed penalty value
Disclosed penalty value fell by ₹9.02 crore, from ₹12.71 crore in Q2 2025 to ₹3.69 crore. Banks accounted for 100.0% of that decline, with their value falling from ₹10.63 crore to ₹1.61 crore; co-operative banks recorded ₹1.81 crore, up from ₹64.5 lakh.
The share of severe actions was lower than in Q2 2025
There were 25 severe actions, or 23.6% of the total, compared with 34 actions and 41.5% in Q2 2025. The period also had 5 cancellations, compared with 9 in Q2 2025.
Co-operative banks made up most action records
Co-operative banks accounted for 89 records, or 84.0%, compared with 53 records and 64.6% in Q2 2025. Banks accounted for 5 records, or 4.7%, down from 17 records and 20.7%.
A small number of orders covered many declared entities
The 106 action records declared 162 entities. The three largest orders declared 57 entities, including one order declaring 31 NBFCs, another declaring 16 and another declaring 10.
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 penalty79 · 74.5%
Previous 54 · 65.9%
- Business restriction19 · 17.9%
Previous 16 · 19.5%
- Licence cancellation5 · 4.7%
Previous 9 · 11%
- Action lifted3 · 2.8%
Previous 3 · 3.7%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action90 · 84.9%
Previous 64 · 78%
- Extension13 · 12.3%
Previous 15 · 18.3%
- Lifted / withdrawn3 · 2.8%
Previous 3 · 3.7%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank89 · 84%
Previous 53 · 64.6%
- NBFC11 · 10.4%
Previous 11 · 13.4%
- Bank5 · 4.7%
Previous 17 · 20.7%
- Payment entity1 · 0.9%
Previous 1 · 1.2%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure64 · 60.4%
Previous 32 · 39%
- KYC / AML27 · 25.5%
Previous 17 · 20.7%
- Capital & exposure norms25 · 23.6%
Previous 19 · 23.2%
- Governance & oversight25 · 23.6%
Previous 18 · 22%
- Lending norms24 · 22.6%
Previous 22 · 26.8%
- Customer protection20 · 18.9%
Previous 19 · 23.2%
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 ICICI Bank Limited
8 Aug 2025₹75.0 lakhmonetary penaltyICICI Bank Limited
ICICI Bank Limited received the period's largest disclosed monetary penalty, ₹75.0 lakh. It concerned non-compliance with RBI directions on valuation of properties and discipline in opening and maintaining current accounts.
RBI cancels Certificate of Registration of 31 NBFCs
12 Sept 2025licence cancellationKamsco Industries Pvt Ltd
RBI cancelled the Certificate of Registration of 31 NBFCs under Section 45-IA(6) of the RBI Act, 1934. The companies are therefore barred 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
RBI cancelled the Certificate of Registration of Datta Finance and Trading Private Limited under Section 45-IA(6) of the RBI Act, 1934. 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 or Courts.
What It Cost
79 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹1.6 L
- Largest
- ₹75 L
- Top five
- ₹1.91 cr
- 95th percentile
- ₹21 L
Previous ₹2.05 L
Previous ₹1.73 cr
Previous ₹6.03 cr
Previous ₹1 cr
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 | ₹10.63 cr | 100% |
| Co-operative bank | ₹1.81 cr | ₹64.5 L | -12.9% |
| NBFC | ₹6.5 L | ₹1.14 cr | 12% |
| Payment entity | ₹21 L | ₹29.6 L | 1% |
Entity Coverage
- Declared
- 162
- Names extracted
- 175
- Canonical links
- 175
- First seen
- 106
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
- 15
- Duplicate entity rows
- 0
Next expiry window: 1 Oct 2025–31 Dec 2025.