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 Dec | 1 | 0 | 0 | 1 |
| 5 Jan | 8 | 5 | 0 | 3 |
| 12 Jan | 2 | 0 | 0 | 2 |
| 19 Jan | 9 | 3 | 2 | 4 |
| 26 Jan | 4 | 1 | 1 | 2 |
| 2 Feb | 8 | 6 | 1 | 1 |
| 9 Feb | 11 | 2 | 5 | 4 |
| 16 Feb | 2 | 1 | 1 | 0 |
| 23 Feb | 7 | 4 | 2 | 1 |
| 2 Mar | 4 | 2 | 0 | 2 |
| 9 Mar | 7 | 2 | 1 | 4 |
| 16 Mar | 2 | 0 | 2 | 0 |
| 23 Mar | 11 | 6 | 1 | 4 |
| 30 Mar | 3 | 1 | 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 most of the increase in penalty value
Disclosed penalty value was ₹5.36 crore, up from ₹4.53 crore in Q4 2025, a rise of ₹82.8 lakh. Banks accounted for ₹4.14 crore across 8 actions, against ₹3.24 crore across 5 actions in Q4 2025. Their 108.7% share of the change exceeded the total because co-operative banks and NBFCs moved the other way.
The penalty mix shifted toward larger mid and upper range amounts
There were 53 monetary penalty actions with an amount stated, against 57 in Q4 2025. The median rose to ₹2.0 lakh from ₹1.5 lakh, the 90th percentile to ₹32.5 lakh from ₹25.0 lakh, and the 95th percentile to ₹63.6 lakh from ₹62.0 lakh, while the maximum fell to ₹95.4 lakh from ₹99.3 lakh. The top five accounted for 59.7% of value, down from 71.5%.
Severe actions took a smaller share of the quarter’s records
There were 28 severe actions, or 35.4%, down from 34 actions, or 37.8%, in Q4 2025. The average severity score was 2.42. There were 5 cancellations, unchanged from Q4 2025, and no supersessions, compared with 2 in Q4 2025.
Co-operative banks made up a smaller share of enforcement records
Co-operative banks accounted for 52 actions, or 65.8%, down from 71 actions, or 78.9%, in Q4 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 penalty53 · 67.1%
Previous 57 · 63.3%
- Business restriction19 · 24.1%
Previous 24 · 26.7%
- Licence cancellation5 · 6.3%
Previous 5 · 5.6%
- Action lifted2 · 2.5%
Previous 2 · 2.2%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action62 · 78.5%
Previous 72 · 80%
- Extension15 · 19%
Previous 16 · 17.8%
- Lifted / withdrawn2 · 2.5%
Previous 2 · 2.2%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank52 · 65.8%
Previous 71 · 78.9%
- NBFC16 · 20.3%
Previous 13 · 14.4%
- Bank8 · 10.1%
Previous 6 · 6.7%
- Payment entity3 · 3.8%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure38 · 48.1%
Previous 38 · 42.2%
- Lending norms17 · 21.5%
Previous 24 · 26.7%
- KYC / AML16 · 20.3%
Previous 25 · 27.8%
- Other16 · 20.3%
Previous 13 · 14.4%
- Capital & exposure norms15 · 19%
Previous 24 · 26.7%
- Customer protection15 · 19%
Previous 19 · 21.1%
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 Union Bank of India
27 Mar 2026₹95.4 lakhmonetary penaltyUnion Bank of India
RBI imposed the period’s largest disclosed monetary penalty on Union Bank of India. It cited non-compliance with RBI directions on limiting customer liability in unauthorised electronic banking transactions and on automation of income recognition, asset classification and provisioning processes.
RBI cancels Certificate of Registration of 36 NBFCs
11 Mar 2026licence cancellationExcellence Broking & Finance (P) Ltd.
RBI cancelled the Certificates of Registration of 36 NBFCs. The companies are no longer permitted to transact as non-banking financial institutions.
RBI cancels the licence of Shimsha Sahakara Bank Niyamitha, Maddur, Mandya District, Karnataka
5 Mar 2026licence cancellationShimsha Sahakara Bank Niyamitha, Maddur
RBI revived and put back into force its July 05, 2024 order cancelling the bank’s banking licence after the related writ petition was dismissed as withdrawn. The bank is prohibited from carrying on banking and other Section 6 business.
Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 – Sikar Urban Co-operative Bank Ltd, Sikar – Withdrawal of Directions
4 Feb 2026action liftedSikar Urban Co-operative Bank Ltd, Sikar
RBI withdrew its Section 35A/56 Directions previously issued to the bank. The directions had been modified and extended over time, and are now lifted.
What It Cost
53 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2 L
- Largest
- ₹95.4 L
- Top five
- ₹3.2 cr
- 95th percentile
- ₹63.6 L
Previous ₹1.5 L
Previous ₹99.3 L
Previous ₹3.24 cr
Previous ₹61.95 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 | ₹4.14 cr | ₹3.24 cr | 108.7% |
| Co-operative bank | ₹58.85 L | ₹1.02 cr | -52.7% |
| Payment entity | ₹38 L | ₹0 | 45.9% |
| NBFC | ₹25.14 L | ₹26.7 L | -1.9% |
Entity Coverage
- Declared
- 154
- Names extracted
- 153
- Canonical links
- 153
- First seen
- 76
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
- 32
- Entities
- 32
- Expiring next
- 29
- Duplicate entity rows
- 0
Next expiry window: 1 Apr 2026–30 Jun 2026.