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RBI cancelled Paytm Payments Bank’s licence as two banking entities exited

13th busiestof 47 comparable periods· top 28%

90 RBI action records published between 1 July 2026 and 25 September 2026: 67 fresh actions, 22 extensions of existing orders, 1 restriction lifted and 58 monetary-penalty actions with an amount stated, totalling ₹3.97 crore. That is 90 records against 86 over the same 87 days of Q2 2026, and ₹3.97 crore of disclosed penalty value against ₹2.69 crore.

This live report currently covers 87 of 92 days and will update as new RBI releases are added.

Action records
90

86 in Q2 2026

Disclosed penalties
₹3.97 cr

₹2.69 cr in Q2 2026

Severe actions · S4–S5
33

33 · 38.4% previously

Orders in force
30

26 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 Jun10226
6 Jul2002
13 Jul141103
20 Jul12543
27 Jul6222
3 Aug7133
10 Aug9342
17 Aug2020
24 Aug7223
31 Aug7250
7 Sept8116
14 Sept3003
21 Sept3030

What Stood Out

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

01

Penalty values moved higher across the distribution

The 58 monetary-penalty actions totalled ₹3.97 crore, against 52 actions and ₹2.69 crore in Q2 2026. The median was ₹2.8 lakh versus ₹2.4 lakh, while the maximum was ₹63.6 lakh versus ₹41.8 lakh.

02

NBFCs, co-operative banks and credit bureaus drove the increase in value

The disclosed total rose by ₹1.29 crore, from ₹2.69 crore in Q2 2026 to ₹3.97 crore. NBFCs accounted for 49.9% of the increase, co-operative banks for 31.7% and credit bureaus for 27.1%; banks and payment entities had shares of -6.0% and -2.7%.

03

Severe actions formed a slightly smaller share than in Q2 2026

There were 33 severe actions, representing 36.7% of the total, compared with 33 and 38.4% in Q2 2026. The period included 5 cancellations and no supersessions, against 9 cancellations and no supersessions in Q2 2026.

04

A small number of orders covered most declared entities

The 90 action records declared 343 entities. The three largest orders declared 192, 59 and 5 entities, with the largest orders together accounting for 256 declared 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 penalty58 · 64.4%

    Previous 52 · 60.5%

  2. Business restriction26 · 28.9%

    Previous 24 · 27.9%

  3. Licence cancellation5 · 5.6%

    Previous 9 · 10.5%

  4. Action lifted1 · 1.1%

    Previous 1 · 1.2%

Lifecycle

Fresh actions, extensions and withdrawals.

  1. Fresh action67 · 74.4%

    Previous 64 · 74.4%

  2. Extension22 · 24.4%

    Previous 21 · 24.4%

  3. Lifted / withdrawn1 · 1.1%

    Previous 1 · 1.2%

Entity types

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

  1. Co-operative bank56 · 62.2%

    Previous 59 · 68.6%

  2. NBFC25 · 27.8%

    Previous 19 · 22.1%

  3. Bank4 · 4.4%

    Previous 5 · 5.8%

  4. Credit bureau3 · 3.3%
  5. Payment entity2 · 2.2%

    Previous 3 · 3.5%

Why RBI acted

Overlapping themes; one action may carry several reasons.

  1. Reporting & disclosure41 · 45.6%

    Previous 37 · 43%

  2. Governance & oversight29 · 32.2%

    Previous 24 · 27.9%

  3. KYC / AML22 · 24.4%

    Previous 22 · 25.6%

  4. Lending norms17 · 18.9%

    Previous 14 · 16.3%

  5. Capital & exposure norms15 · 16.7%

    Previous 22 · 25.6%

  6. Customer protection13 · 14.4%

    Previous 18 · 20.9%

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

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

Median
₹2.85 L

Previous ₹2.4 L

Largest
₹63.6 L

Previous ₹41.8 L

Top five
₹1.9 cr

Previous ₹1.46 cr

95th percentile
₹27.3 L

Previous ₹31.8 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
NBFC₹1.14 cr₹49.5 L49.9%
Co-operative bank₹1.23 cr₹82.14 L31.7%
Credit bureau₹34.92 L₹027.1%
Bank₹1.23 cr₹1.31 cr-6%
Payment entity₹3.1 L₹6.6 L-2.7%

Entity Coverage

Declared
343
Names extracted
355
Canonical links
359
First seen
43

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

Orders Still in Force

Orders
30
Entities
30
Expiring next
26
Duplicate entity rows
0

Next expiry window: 1 Oct 2026–31 Dec 2026.