RBI penalties at a glance
Apr 2024Sep 202630 months
712penalties on 665 institutions, ₹89 cr in fines
86%could have been stopped by a technology control
57%covered by just two patterns: scheduled jobs and workflow hard stops
76%involve one of the ten most common failures
KEY INSIGHTThe top failure is loans to directors or their relatives (108 penalties). Most fixes are a scheduled job or a hard stop, not a new policy.
₹89 crore in RBI fines is the visible cost. ₹48,000 crore of fraud exposure sits behind the same kind of weak controls.
The same few failures repeat, month after month. A Compliance Debt Check catches them every night, before RBI does. See how it works ↓
The same failures, month after monthRunning total of penalties, eight most common failures
Apr 2024Sep 2026
Built on RBI's own data
Nothing here is a survey or an estimate.
Every RBI penalty notice, read one by one
All monetary-penalty press releases on rbi.org.in, April 2024 to September 2026.712
notices collected. AI classified each one: what failed, why, which control would have stopped it, and who owns that control.3 years
of RBI Annual Reports (FY24–FY26) used for the official totals, fraud figures and show-cause outcomes.Reconciles with RBI
OursRBIFY25356 · ₹55.9 cr353 · ₹54.8 crFY26243 · ₹26.4 cr241 · ₹26.3 cr
Within 1–2%The fix
Compliance Debt Check: how it works
Compliance Debt CheckRUNNING NIGHTLY
Every record is checked. Clean ones pass. Gaps go to an owner, get fixed, and leave proof.
Checking tonight's records…
Compliance health62%
Connect to bank systemsCore banking, loans, KYC and deposits.
Run RBI rules every nightOne rule for each failure RBI has fined.
Route each gap to a named ownerWith a due date, before it becomes a notice.
Save the proofThe board sees one health score, daily.
Why proof matters: in FY26, 45% of RBI's charges (316 of 698) were dropped when banks could show they had complied.
Score your institution
How much compliance debt is your institution carrying?
Ten questions, one minute. Each maps to a failure RBI has penalised repeatedly. Your score is weighted by how often each failure was fined.
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- Official picture FY24–FY26
- Fines vs fraud exposure
- Cause → fix → owner
- Prevention playbook
- Getting right vs worse
- All 712 notices