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RBI action records fell as disclosed penalty value rose

13th busiestof 47 comparable periods· top 28%

90 RBI action records published between 1 October 2025 and 31 December 2025: 72 fresh actions, 16 extensions of existing orders, 2 restrictions lifted and 57 monetary-penalty actions with an amount stated, totalling ₹4.53 crore. That is 90 records against 106 over the same 92 days of Q3 2025, and ₹4.53 crore of disclosed penalty value against ₹3.69 crore.

Period complete. 92 days covered.

Action records
90

106 in Q3 2025

Disclosed penalties
₹4.53 cr

₹3.69 cr in Q3 2025

Severe actions · S4–S5
34

25 · 23.6% previously

Orders in force
29

19 expiring in the next window

When Action Arrived

Published action records across the covered window, split into RegOversight severity bands. Empty intervals remain visible.

RBI action records by publication interval and severity band
IntervalTotalS0–S1 · lifted / lowS2–S3 · moderate / highS4–S5 · major / severe
29 Sept6240
6 Oct8008
13 Oct12435
20 Oct3012
27 Oct7610
3 Nov7313
10 Nov6411
17 Nov6411
24 Nov7412
1 Dec6141
8 Dec8314
15 Dec7214
22 Dec1001
29 Dec6222

What Stood Out

Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.

01

Severe actions made up a larger share of the quarter’s records

There were 34 severe actions, or 37.8% of the total, compared with 25, or 23.6%, in Q3 2025. The severity average was 2.46, while cancellation actions held at 5 and supersession actions rose to 2 from 0.

02

The penalty distribution shifted towards larger disclosed amounts

The 57 monetary-penalty actions had a median penalty of ₹1.5 lakh, compared with ₹1.6 lakh in Q3 2025. The maximum rose to ₹99.3 lakh from ₹75.0 lakh, while the top five penalties accounted for 71.5% of disclosed value, against 51.7% previously.

03

Banks accounted for more than the increase as co-operative value fell

Disclosed penalty value rose from ₹3.69 crore to ₹4.53 crore, an increase of ₹83.6 lakh. Banks recorded ₹3.24 crore against ₹1.61 crore previously and carried 195.1% of the change, while co-operative bank value fell from ₹1.81 crore to ₹1.02 crore. That share is above the total change because co-operative bank and payment entity values moved in the opposite direction.

04

The quarter had fewer action records and fresh actions

There were 90 action records, including 72 fresh actions and 16 extensions, compared with 106 records and 90 fresh actions in Q3 2025. The action count was down by 16 over the same 92-day window.

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.

  1. Monetary penalty57 · 63.3%

    Previous 79 · 74.5%

  2. Business restriction24 · 26.7%

    Previous 19 · 17.9%

  3. Licence cancellation5 · 5.6%

    Previous 5 · 4.7%

  4. Action lifted2 · 2.2%

    Previous 3 · 2.8%

  5. Board supersession2 · 2.2%

Lifecycle

Fresh actions, extensions and withdrawals.

  1. Fresh action72 · 80%

    Previous 90 · 84.9%

  2. Extension16 · 17.8%

    Previous 13 · 12.3%

  3. Lifted / withdrawn2 · 2.2%

    Previous 3 · 2.8%

Entity types

Action records by regulated-entity class, not entities affected.

  1. Co-operative bank71 · 78.9%

    Previous 89 · 84%

  2. NBFC13 · 14.4%

    Previous 11 · 10.4%

  3. Bank6 · 6.7%

    Previous 5 · 4.7%

Why RBI acted

Overlapping themes; one action may carry several reasons.

  1. Reporting & disclosure38 · 42.2%

    Previous 64 · 60.4%

  2. Governance & oversight28 · 31.1%

    Previous 25 · 23.6%

  3. KYC / AML25 · 27.8%

    Previous 27 · 25.5%

  4. Capital & exposure norms24 · 26.7%

    Previous 25 · 23.6%

  5. Lending norms24 · 26.7%

    Previous 24 · 22.6%

  6. Customer protection19 · 21.1%

    Previous 20 · 18.9%

Defining Actions

Up to four non-duplicative actions selected for monetary impact, breadth, severity or relief. Quiet periods may show fewer.

  1. Reserve Bank of India imposes monetary penalty on Jammu and Kashmir Bank Limited

    Largest disclosed penaltyS4 High
    5 Dec 2025₹99.3 lakhmonetary penalty

    Jammu 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. It was the largest disclosed penalty in the period.

    Read case briefRBI source

  2. RBI cancels Certificate of Registration of 21 NBFCs

    Widest orderS5 Severe
    13 Oct 2025licence cancellation

    Anand 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, making this the widest order in the period.

    Read case briefRBI source

  4. Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – National Mercantile Co-operative Bank Ltd., Lucknow – Withdrawal of Directions

    ReliefS0 Lifted
    21 Nov 2025action lifted

    National Mercantile Co-operative Bank Ltd., Lucknow

    RBI withdrew the Section 35A read with Section 56 directions previously issued to National Mercantile Co-operative Bank Ltd., Lucknow. The directions had been modified and extended over time before withdrawal, marking relief in the period.

    Read case briefRBI source

What It Cost

57 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.

Median
₹1.5 L

Previous ₹1.6 L

Largest
₹99.3 L

Previous ₹75 L

Top five
₹3.24 cr

Previous ₹1.91 cr

95th percentile
₹61.95 L

Previous ₹21 L

Change by entity type

Arithmetic attribution of the change in disclosed value. Contributions may exceed 100% or run in the opposite direction.

Entity typeCurrentPreviousContribution
Bank₹3.24 cr₹1.61 cr195.1%
Co-operative bank₹1.02 cr₹1.81 cr-94.1%
Payment entity₹0₹21 L-25.1%
NBFC₹26.7 L₹6.5 L24.2%

Entity Coverage

Declared
127
Names extracted
115
Canonical links
115
First seen
44

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
29
Entities
29
Expiring next
19
Duplicate entity rows
0

Next expiry window: 1 Jan 2026–31 Mar 2026.