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 |
|---|---|---|---|---|
| 29 Sept | 6 | 2 | 4 | 0 |
| 6 Oct | 8 | 0 | 0 | 8 |
| 13 Oct | 12 | 4 | 3 | 5 |
| 20 Oct | 3 | 0 | 1 | 2 |
| 27 Oct | 7 | 6 | 1 | 0 |
| 3 Nov | 7 | 3 | 1 | 3 |
| 10 Nov | 6 | 4 | 1 | 1 |
| 17 Nov | 6 | 4 | 1 | 1 |
| 24 Nov | 7 | 4 | 1 | 2 |
| 1 Dec | 6 | 1 | 4 | 1 |
| 8 Dec | 8 | 3 | 1 | 4 |
| 15 Dec | 7 | 2 | 1 | 4 |
| 22 Dec | 1 | 0 | 0 | 1 |
| 29 Dec | 6 | 2 | 2 | 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 the quarter’s records
Severe actions rose to 34, or 37.8%, from 25, or 23.6%, in Q3 2025. The average severity score was 2.46.
Bank penalties rose while co-operative bank penalties fell
Disclosed penalty value rose by ₹83.6 lakh to ₹4.53 crore from ₹3.69 crore. Banks accounted for ₹3.24 crore across 5 actions, up from ₹1.61 crore across 5, while co-operative banks fell to ₹1.02 crore across 43 from ₹1.81 crore across 69.
Entity declarations exceeded the count of action records
The 90 records declared 127 entities. The three largest orders declared 39 entities, with orders for 21, 14 and 4 entities.
19 orders were due to expire in the next window
There were 29 orders in force covering 29 entities. Of these, 19 were due to expire between 1 January 2026 and 31 March 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 penalty57 · 63.3%
Previous 79 · 74.5%
- Business restriction24 · 26.7%
Previous 19 · 17.9%
- Licence cancellation5 · 5.6%
Previous 5 · 4.7%
- Action lifted2 · 2.2%
Previous 3 · 2.8%
- Board supersession2 · 2.2%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action72 · 80%
Previous 90 · 84.9%
- Extension16 · 17.8%
Previous 13 · 12.3%
- Lifted / withdrawn2 · 2.2%
Previous 3 · 2.8%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank71 · 78.9%
Previous 89 · 84%
- NBFC13 · 14.4%
Previous 11 · 10.4%
- Bank6 · 6.7%
Previous 5 · 4.7%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure38 · 42.2%
Previous 64 · 60.4%
- Governance & oversight28 · 31.1%
Previous 25 · 23.6%
- KYC / AML25 · 27.8%
Previous 27 · 25.5%
- Capital & exposure norms24 · 26.7%
Previous 25 · 23.6%
- Lending norms24 · 26.7%
Previous 24 · 22.6%
- 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.
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 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 21 NBFCs
13 Oct 2025licence cancellationAnand 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.
Supersession of Board of Directors of Abhyudaya Cooperative Bank Ltd., Mumbai - Extension of period
7 Nov 2025board supersessionAbhyudaya Cooperative Bank Ltd., Mumbai
The RBI extended the supersession of the bank’s Board of Directors due to material concerns arising from poor governance standards observed within the bank.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – National Mercantile Co-operative Bank Ltd., Lucknow – Withdrawal of Directions
21 Nov 2025action liftedNational Mercantile Co-operative Bank Ltd., Lucknow
RBI withdrew the Section 35A read with Section 56 directions previously issued to the bank. The release notes the directions had been modified and extended over time before withdrawal.
What It Cost
57 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹1.5 L
- Largest
- ₹99.3 L
- Top five
- ₹3.24 cr
- 95th percentile
- ₹61.95 L
Previous ₹1.6 L
Previous ₹75 L
Previous ₹1.91 cr
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 type | Current | Previous | Contribution |
|---|---|---|---|
| Bank | ₹3.24 cr | ₹1.61 cr | 195.1% |
| Co-operative bank | ₹1.02 cr | ₹1.81 cr | -94.1% |
| Payment entity | ₹0 | ₹21 L | -25.1% |
| NBFC | ₹26.7 L | ₹6.5 L | 24.2% |
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.