Janakalyan Bank Penalized For Exposure Breach – RBI inspection uncovers non-compliance with group borrower limits

RBI’s supervisory inspection of the bank’s financials as of March 31, 2025, revealed non-compliance with exposure ceiling norms. Following a show-cause notice, the bank’s written and oral submissions were considered, but RBI found the violation sustained, warranting penal action.  

Key highlights  

• RBI imposed ₹3.30 lakh penalty on Janakalyan Sahakari Bank  
• Breach of prudential exposure limit for group borrowers  
• Inspection based on March 31, 2025 financials  
• Penalty under Banking Regulation Act provisions  
• Action limited to compliance deficiencies, not customer transactions
  
  

Sources: Reserve Bank of India Press Release