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

URBAN CO-OPERATIVE BANKS: DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SINGLE BORROWER EXPOSURE LIMIT APPLICABLE FOR FRESH LOANS AND ADVANCES IN CERTAIN INSTANCES

S.No. ENTITY PERSONS REGULATORY CHARGES REGULATORY ACTION(S) / DATE OF ORDER FURTHER DEVELOPMENTS
1
History of entity/person BATLAGUNDU CO-OPERATIVE URBAN BANK LTD.,THE
  SANCTIONED CERTAIN LOANS WITHOUT COMPLYING WITH SHARE LINKING TO BORROWINGS NORMS, DESPITE ITS CRAR (CAPITAL TO RISK (WEIGHTED) ASSETS RATIO) BEING LESS THAN REGULATORY MINIMUM

SANCTIONED CREDIT FACILITIES TO SECTORS HAVING HIGH PROPORTION OF NON-PERFORMING ASSETS AND FRESH LOANS & ADVANCES CARRYING RISK WEIGHTS MORE THAN 100% VIOLATING DIRECTIONS ISSUED UNDER SUPERVISORY ACTION FRAMEWORK (SAF)

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SINGLE BORROWER EXPOSURE LIMIT APPLICABLE FOR FRESH LOANS AND ADVANCES IN CERTAIN INSTANCES   		IMPOSED PENALTY RS.1,00,000

21-JUL-2025 		 
2
History of entity/person CITIZENS URBAN CO-OPERATIVE BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SINGLE BORROWER EXPOSURE LIMIT APPLICABLE FOR FRESH LOANS AND ADVANCES IN CERTAIN INSTANCES

OFFERED HIGHER INTEREST RATES ON TERM DEPOSITS THAN THOSE OFFERED BY STATE BANK OF INDIA   		IMPOSED PENALTY RS.15,00,000

27-MAR-2025 		 
3
History of entity/person KULITHALAI CO-OPERATIVE URBAN BANK LTD.,THE
  OFFERED INTEREST RATES ON DEPOSITS FOR VARIOUS DURATIONS HIGHER THAN THAT OFFERED BY STATE BANK OF INDIA IN NON-COMPLIANCE WITH THE SAF DIRECTIONS

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SINGLE BORROWER EXPOSURE LIMIT APPLICABLE FOR FRESH LOANS AND ADVANCES IN CERTAIN INSTANCES

SANCTIONED FRESH LOANS AND ADVANCES OTHER THAN LOANS AGAINST COLLATERAL SECURITY OF TERM DEPOSITS/NSCS/KVPS/INSURANCE POLICIES VIOLATING SAF DIRECTIONS

ALLOWED REFUND OF SHARE CAPITAL TO ITS MEMBERS, DESPITE ITS LAST ASSESSED CRAR (CAPITAL TO RISK (WEIGHTED) ASSETS RATIO) BEING BELOW 9%   		IMPOSED PENALTY RS.1,00,000

04-DEC-2024 		 
4
History of entity/person PERIYAKULAM CO-OPERATIVE URBAN BANK LTD.,THE
  DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SINGLE BORROWER EXPOSURE LIMIT APPLICABLE FOR FRESH LOANS AND ADVANCES IN CERTAIN INSTANCES

OFFERED INTEREST RATES ON DEPOSITS FOR VARIOUS DURATIONS HIGHER THAN THAT OFFERED BY STATE BANK OF INDIA IN NON-COMPLIANCE WITH THE SAF DIRECTIONS

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON EXTENSION OF FRESH LOANS AND ADVANCES CARRYING RISK WEIGHTS OF 100% AND ABOVE

ALLOWED REFUND OF SHARE CAPITAL TO ITS MEMBERS, DESPITE ITS LAST ASSESSED CRAR (CAPITAL TO RISK (WEIGHTED) ASSETS RATIO) BEING BELOW 9%

DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF RBI ON SHARE LINKING NORMS IN RESPECT OF JEWEL LOANS   		IMPOSED PENALTY RS.2,00,000

25-NOV-2024 		 
The regulatory charges/regulatory actions may be fully or partly applicable to the entities/persons mentioned in the second column.

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