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RBI cancelled Paytm Payments Bank's licence in Q2 2026

14th busiestof 47 comparable periods· top 30%

89 RBI action records published between 1 April 2026 and 30 June 2026: 67 fresh actions, 21 extensions of existing orders, 1 restriction lifted and 55 monetary-penalty actions with an amount stated, totalling ₹2.76 crore. That is 89 records against 79 over the same 91 days of Q1 2026, and ₹2.76 crore of disclosed penalty value against ₹5.36 crore.

Period complete. 91 days covered.

Action records
89

79 in Q1 2026

Disclosed penalties
₹2.76 cr

₹5.36 cr in Q1 2026

Severe actions · S4–S5
33

28 · 35.4% previously

Orders in force
29

25 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
30 Mar6015
6 Apr9108
13 Apr1010
20 Apr9414
27 Apr3012
4 May8422
11 May7232
18 May7232
25 May4310
1 Jun5032
8 Jun8233
15 Jun12453
22 Jun7430
29 Jun3120

What Stood Out

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

01

Banks accounted for most of the fall in disclosed penalty value

Disclosed penalty value fell from ₹5.36 crore in Q1 2026 to ₹2.76 crore in Q2 2026, a decline of ₹2.59 crore. Banks moved from ₹4.14 crore across 8 actions to ₹1.30 crore across 5, accounting for 109.2% of the decline, while co-operative banks and NBFCs moved upward.

02

Severe actions took a larger share of the quarter's records

There were 33 severe actions, or 37.1% of the total, compared with 28 and 35.4% in Q1 2026. The quarter also included 9 licence cancellations, up from 5.

03

A small number of bulk orders covered most declared entities

The 89 action records declared 425 entities. The three largest orders declared 150, 135 and 54 entities, and together accounted for 339 declared entities.

04

Penalty values were lower and less concentrated at the top

The median disclosed penalty was ₹2.1 lakh, compared with ₹2.0 lakh in Q1 2026, while the maximum fell from ₹95.4 lakh to ₹41.8 lakh. The top five actions accounted for 52.8% of disclosed value, against 59.7% previously.

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 penalty55 · 61.8%

    Previous 53 · 67.1%

  2. Business restriction24 · 27%

    Previous 19 · 24.1%

  3. Licence cancellation9 · 10.1%

    Previous 5 · 6.3%

  4. Action lifted1 · 1.1%

    Previous 2 · 2.5%

Lifecycle

Fresh actions, extensions and withdrawals.

  1. Fresh action67 · 75.3%

    Previous 62 · 78.5%

  2. Extension21 · 23.6%

    Previous 15 · 19%

  3. Lifted / withdrawn1 · 1.1%

    Previous 2 · 2.5%

Entity types

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

  1. Co-operative bank62 · 69.7%

    Previous 52 · 65.8%

  2. NBFC19 · 21.3%

    Previous 16 · 20.3%

  3. Bank5 · 5.6%

    Previous 8 · 10.1%

  4. Payment entity3 · 3.4%

    Previous 3 · 3.8%

Why RBI acted

Overlapping themes; one action may carry several reasons.

  1. Reporting & disclosure38 · 42.7%

    Previous 38 · 48.1%

  2. Governance & oversight26 · 29.2%

    Previous 14 · 17.7%

  3. Capital & exposure norms23 · 25.8%

    Previous 15 · 19%

  4. KYC / AML22 · 24.7%

    Previous 16 · 20.3%

  5. Customer protection18 · 20.2%

    Previous 15 · 19%

  6. Lending norms16 · 18%

    Previous 17 · 21.5%

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 Bandhan Bank Limited

    Largest disclosed penaltyS3 Elevated
    24 Apr 2026₹41.8 lakhmonetary penalty

    Bandhan Bank Limited

    RBI imposed its largest disclosed penalty of the period on Bandhan Bank Limited for contravention of section 20(1)(b)(iii) of the Banking Regulation Act, 1949 and non-compliance with RBI KYC directions. RBI also found lapses in periodic review of risk categorisation of certain accounts and sanction of director-related loans.

    Read case briefRBI source

  3. RBI cancels the Licence of Paytm Payments Bank Limited

    Institutional exitS5 Severe
    24 Apr 2026licence cancellation

    Paytm Payments Bank Limited

    RBI cancelled the banking licence of Paytm Payments Bank Limited for conducting affairs in a manner detrimental to the bank and its depositors, prejudicial management, non-compliance with licence conditions, and failure to satisfy Section 22 requirements.

    Read case briefRBI source

What It Cost

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

Median
₹2.1 L

Previous ₹2 L

Largest
₹41.8 L

Previous ₹95.4 L

Top five
₹1.46 cr

Previous ₹3.2 cr

95th percentile
₹31.8 L

Previous ₹63.6 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₹1.31 cr₹4.14 cr109.2%
Payment entity₹6.6 L₹38 L12.1%
Co-operative bank₹89.64 L₹58.85 L-11.9%
NBFC₹49.5 L₹25.14 L-9.4%

Entity Coverage

Declared
425
Names extracted
424
Canonical links
424
First seen
315

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
25
Duplicate entity rows
0

Next expiry window: 1 Jul 2026–30 Sept 2026.