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Co-Sponsors

SOURCE OF INFORMATION : RESERVE BANK OF INDIA WEBSITE & NEWSPAPERS
PERIOD COVERED : 01-AUG-1996 TO 27-AUG-2025

CO-OPERATIVE BANKS: DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

S.No. ENTITY PERSONS REGULATORY CHARGES REGULATORY ACTION(S) / DATE OF ORDER FURTHER DEVELOPMENTS
21
History of entity/person GANDEVI PEOPLE'S CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT REPORT FRAUDS TO RBI   		IMPOSED PENALTY RS.2,00,000

01-SEP-2023 		 
22
History of entity/person GHATAL PEOPLES CO-OPERATIVE BANK LTD.,THE
  FURNISHED INCORRECT CREDIT INFORMATION IN RESPECT OF A NUMBER OF EXPIRED CREDIT CARDS WITH NO DUES TO ALL FOUR CREDIT INFORMATION COMPANIES

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT CARRY OUT PERIODICAL REVIEW OF RISK CATEGORIZATION

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON TRANSFER OF ELIGIBLE FUNDS TO DEPOSITOR EDUCATION AND AWARENESS FUND   		IMPOSED PENALTY RS.1,50,000

21-SEP-2023 		 
23
History of entity/person GUJARAT MERCANTILE CO-OPERATIVE BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DEFAULTED IN MAINTENANCE OF CASH RESERVE RATIO   		IMPOSED PENALTY RS.4,50,000

18-SEP-2023 		 
24
History of entity/person GUJARAT RAJYA KARMACHARI CO-OPERATIVE BANK LTD.,THE
  DID NOT MAKE DISCLOSURE OF PENALTY IMPOSED BY RBI IN ‘NOTES TO ACCOUNTS’ TO BALANCE SHEET IN ITS ANNUAL REPORT

DID NOT PROVIDE DOCUMENTS AND COMPLETE INFORMATION PERTAINING TO AFFAIRS OF THE BANK REQUIRED BY RBI INSPECTING OFFICER(S)

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT PAY INTEREST ON MATURED TERM DEPOSITS FROM THE DATE OF MATURITY TILL DATE OF REPAYMENT AT THE APPLICABLE RATE   		IMPOSED PENALTY RS.7,50,000

25-JUN-2024 		 
25
History of entity/person HARIJ NAGRIK SAHAKARI BANK LTD.,THE
  DEFAULTED IN MAINTENANCE OF CASH RESERVE RATIO

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT PAY ELIGIBLE INTEREST AT THE TIME OF REPAYMENT ON MATURED UNPAID TERM DEPOSITS FOR THE PERIOD THEY REMAINED UNCLAIMED WITH BANK   		IMPOSED PENALTY RS.3,00,000

22-AUG-2023 		 
26
History of entity/person HIRASUGAR EMPLOYEE’S CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.25,000

21-JUN-2024 		 
27
History of entity/person IDAR NAGARIK SAHAKARI BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.2,00,000

22-DEC-2023 		 
28
History of entity/person IMPERIAL URBAN CO-OPERATIVE BANK LTD.
  ALLOWED OPERATIONS AND DID NOT CLOSE SEVERAL ACCOUNTS OPEN USING OTP BASED E-KYC IN NON-FACE-TO-FACE MODE, EVEN AFTER EXPIRY OF ONE YEAR WITHOUT CONDUCTING CUSTOMER DUE DILIGENCE PROCEDURE

REPORTED INCORRECT INFORMATION IN FORM I RELATING TO CRR/SLR AND INCORRECT COMPUTATION OF DTL

DID NOT PREPARE RISK PROFILES OF ALL CUSTOMERS AND DID NOT FIX THRESHOLD LIMIT

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   		IMPOSED PENALTY RS.5,00,000

10-MAR-2014 		 
29
History of entity/person KARJAN NAGARIK SAHAKARI BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON TRANSFER OF ELIGIBLE UNCLAIMED FUNDS TO DEPOSITOR EDUCATION AND AWARENESS FUND WITHIN PRESCRIBED PERIOD

DEFAULTED IN MAINTENANCE OF CASH RESERVE RATIO

DID NOT SUBMIT DATA TO ANY OF THE FOUR CREDIT INFORMATION COMPANIES (AT MONTHLY AND/OR SHORTLY INTERVALS)

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON CARRYING OUT PERIODIC UPDATION OF KYC (KNOW YOUR CLIENTS) OF CERTAIN CUSTOMERS WITHIN PRESCRIBED PERIODICITY   		IMPOSED PENALTY RS.2,10,000

15-NOV-2024 		 
30
History of entity/person KARNATAKA CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DELAY IN UPLOADING KNOW YOUR CLIENTS (KYC) RECORDS OF CERTAIN CUSTOMERS’ ACCOUNTS ON CENTRAL KNOW YOUR CLIENTS (KYC) RECORDS REGISTRY   		IMPOSED PENALTY RS.1,00,000

23-JUN-2025 		 
31
History of entity/person KHEDA PEOPLE'S CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT DEPOSIT PRESCRIBED AMOUNT TO MSE REFINANCE FUND MAINTAIN WITH SIDBI AGAINST SHORTFALL IN ACHIEVEMENT OF PSL TARGET FOR FY 2022-23 WITHIN PRESCRIBED TIME EVEN AFTER ISSUANCE OF CAUTIONARY LETTER   		IMPOSED PENALTY RS.2,10,000

15-NOV-2024 		 
32
History of entity/person KOHINOOR SAHAKARI BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.1,00,000

23-MAY-2023 		 
33
History of entity/person KOSAMBA MERCANTILE CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DELAY IN UPLOADING KNOW YOUR CLIENTS (KYC) RECORDS OF CERTAIN CUSTOMERS’ ACCOUNTS ON CENTRAL KNOW YOUR CLIENTS (KYC) RECORDS REGISTRY

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON CARRYING OUT PERIODIC REVIEW OF RISK CATEGORISATION OF CUSTOMERS AND/OR ACCOUNTS   		IMPOSED PENALTY RS.2,00,000

28-JAN-2025 		 
34
History of entity/person KUTCH MERCANTILE CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

VIOLATED RBI’S DIRECTIVES ON LOANS TO DIRECTORS   		IMPOSED PENALTY RS.3,00,000

30-NOV-2023 		 
35
History of entity/person LAKHVAD NAGARIK SAHAKARI BANK LTD.
  SANCTIONED CREDIT FACILITIES TO INDIVIDUALS WHERE RELATIVES OF ITS DIRECTORS STOOD AS GUARANTORS

SANCTIONED AND/OR RENEWED LOAN TO A RELATIVE OF ONE OF ITS DIRECTORS

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   		IMPOSED PENALTY RS.2,00,000

27-NOV-2023 		 
36
History of entity/person LALBAUG CO-OPERATIVE BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT PAY INTEREST ON DEPOSITS WITHDRAWN BEFORE MATURITY FOR THE PERIOD DEPOSITS REMAINED WITH THE BANK   		IMPOSED PENALTY RS.5,00,000

22-AUG-2023 		 
37
History of entity/person LUCKNOW UNIVERSITY PRIMARY CO-OPERATIVE BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.3,00,000

13-SEP-2024 		 
38
History of entity/person MAA SHARDA MAHILA NAGRIK SAHAKARI BANK MARYADIT
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.1,00,000

21-OCT-2024 		 
39
History of entity/person MAHILA CO-OPERATIVE NAGRIK BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON CARRYING OUT PERIODIC REVIEW OF RISK CATEGORISATION OF CUSTOMERS AND/OR ACCOUNTS   		IMPOSED PENALTY RS.2,00,000

18-SEP-2023 		 
40
History of entity/person MAHOBA URBAN CO-OPERATIVE BANK LTD.
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON PRUDENTIAL INTER-BANK (GROSS) EXPOSURE LIMITS AND/OR INTER-BANK COUNTER PARTY EXPOSURE LIMITS   IMPOSED PENALTY RS.50,000

06-MAR-2019 		 
The regulatory charges/regulatory actions may be fully or partly applicable to the entities/persons mentioned in the second column.
 
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