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One July penalty took nearly a third of disclosed value

9th busiestof 140 comparable periods· top 6%

44 RBI action records published between 1 July 2026 and 31 July 2026: 33 fresh actions, 11 extensions of existing orders and 29 monetary-penalty actions with an amount stated, totalling ₹2.00 crore. That is 44 records against 35 over the same 31 days of June 2026, and ₹2.00 crore of disclosed penalty value against ₹1.14 crore.

Period complete. 31 days covered.

Action records
44

35 in June 2026

Disclosed penalties
₹2 cr

₹1.14 cr in June 2026

Severe actions · S4–S5
16

8 · 22.9% previously

Orders in force
27

3 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
1 Jul1001
2 Jul6213
3 Jul3012
4 Jul0000
5 Jul0000
6 Jul2002
7 Jul0000
8 Jul0000
9 Jul0000
10 Jul0000
11 Jul0000
12 Jul0000
13 Jul5140
14 Jul0000
15 Jul1001
16 Jul0000
17 Jul8062
18 Jul0000
19 Jul0000
20 Jul3120
21 Jul1001
22 Jul0000
23 Jul6420
24 Jul2002
25 Jul0000
26 Jul0000
27 Jul5221
28 Jul1001
29 Jul0000
30 Jul0000
31 Jul0000

What Stood Out

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

01

The month included two banking-sector licence exits

RBI cancelled the banking licence of Paytm Payments Bank Limited. Coöperatieve Rabobank U.A. also ceased to be a banking company through an RBI notification published in the Gazette of India.

02

Severe actions took a larger share of the record

Severe actions rose to 16, or 36.4%, from 8, or 22.9%, in June 2026. Cancellations numbered 3, against 2 in June 2026, while supersessions were 0 in both periods.

03

Co-operative banks accounted for most of the penalty increase

Co-operative banks accounted for 70.3% of the ₹86.5 lakh increase, with disclosed penalties rising to ₹1.10 crore from ₹49.4 lakh. Banks accounted for 25.2% and NBFCs for 4.5% of the increase.

04

Entity coverage was broader than the action-record count

There were 44 action records and 235 entities declared. The largest order alone declared 192 entities.

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 penalty29 · 65.9%

    Previous 27 · 77.1%

  2. Business restriction12 · 27.3%

    Previous 6 · 17.1%

  3. Licence cancellation3 · 6.8%

    Previous 2 · 5.7%

Lifecycle

Fresh actions, extensions and withdrawals.

  1. Fresh action33 · 75%

    Previous 30 · 85.7%

  2. Extension11 · 25%

    Previous 5 · 14.3%

Entity types

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

  1. Co-operative bank33 · 75%

    Previous 26 · 74.3%

  2. NBFC8 · 18.2%

    Previous 8 · 22.9%

  3. Bank2 · 4.5%

    Previous 1 · 2.9%

  4. Payment entity1 · 2.3%

Why RBI acted

Overlapping themes; one action may carry several reasons.

  1. Reporting & disclosure19 · 43.2%

    Previous 16 · 45.7%

  2. Governance & oversight14 · 31.8%

    Previous 11 · 31.4%

  3. KYC / AML10 · 22.7%

    Previous 10 · 28.6%

  4. Lending norms9 · 20.5%

    Previous 10 · 28.6%

  5. Other7 · 15.9%

    Previous 6 · 17.1%

  6. Capital & exposure norms5 · 11.4%

    Previous 8 · 22.9%

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 Bank of Baroda

    Largest disclosed penaltyS4 High
    3 Jul 2026₹63.6 lakhmonetary penalty

    Bank of Baroda

    The bank was penalized for non-compliance with RBI directions on Fair Practices Code for Lenders and KYC. It had charged interest higher than the contracted rate in certain loan accounts and failed to upload certain customers’ KYC records to CKYCR within the prescribed timeline.

    Read case briefRBI source

  3. Winding up of Paytm Payments Bank Limited

    Institutional exitS5 Severe
    28 Jul 2026licence cancellation

    Paytm Payments Bank Limited

    RBI cancelled the banking licence of Paytm Payments Bank Limited under Section 22(4) of the Banking Regulation Act, 1949. The release also notes the High Court ordered winding up and appointment of a liquidator.

    Read case briefRBI source

What It Cost

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

Median
₹3.1 L

Previous ₹2.7 L

Largest
₹63.6 L

Previous ₹41.8 L

Top five
₹1.17 cr

Previous ₹72.25 L

95th percentile
₹13.3 L

Previous ₹14.25 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
Co-operative bank₹1.1 cr₹49.35 L70.3%
Bank₹63.6 L₹41.8 L25.2%
NBFC₹26.7 L₹22.8 L4.5%

Entity Coverage

Declared
235
Names extracted
245
Canonical links
248
First seen
18

Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.

Orders Still in Force

Orders
27
Entities
27
Expiring next
3
Duplicate entity rows
0

Next expiry window: 1 Aug 2026–31 Aug 2026.