S.
DATE OF ORDER
ENTITY
PERSON
COMPETENT AUTHORITY
REGULATORY CHARGES
REGULATORY ACTION(S) / DATE OF ORDER
FURTHER DEVELOPMENTS
1
05-DEC-2025
TRUHOME FINANCE LTD.
NHB
DID NOT OBTAIN PERMANENT ACCOUNT NUMBER OR EQUIVALENT E-DOCUMENT THEREOF OR FORM NO.60 IN CERTAIN LOAN ACCOUNTS
IMPOSED PENALTY RS.3,10,000
2
04-NOV-2025
VIVA HOME FINANCE LTD.
NHB
DID NOT OBTAIN PRIOR WRITTEN PERMISSION OF RBI FOR CHANGE IN MANAGEMENT RESULTING IN CHANGE IN MORE THAN 30% OF THE DIRECTORS, EXCLUDING INDEPENDENT DIRECTORS
IMPOSED PENALTY RS.10,000
3
24-SEP-2025
SAHARA HOUSINGFINA CORP.LTD.
NHB
DELAY IN UPLOADING KNOW YOUR CLIENTS (KYC) RECORDS OF CERTAIN CUSTOMERS’ ACCOUNTS ON CENTRAL KNOW YOUR CLIENTS (KYC) RECORDS REGISTRY
IMPOSED PENALTY RS.50,000
4
06-AUG-2025
ALTUM CREDO HOME FINANCE PVT.LTD.
NHB
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.10,000
5
27-MAY-2025
INDIA HOME LOAN LTD.
NHB
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.32,000
6
19-MAY-2025
KHUSH HOUSING FINANCE PVT.LTD.
NHB
DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF NHB ON CARRYING OUT PERIODIC REVIEW OF RISK CATEGORISATION OF CUSTOMERS AND/OR ACCOUNTS
IMPOSED PENALTY RS.16,000
7
28-MAR-2025
HABITAT MICRO BUILD INDIA HOUSING FINANCE CO.PVT.LTD.
NHB
DID NOT OBTAIN PRIOR WRITTEN PERMISSION OF RBI FOR CHANGE IN MANAGEMENT RESULTING IN CHANGE IN MORE THAN 30% OF THE DIRECTORS, EXCLUDING INDEPENDENT DIRECTORS
IMPOSED PENALTY RS.50,000
8
26-MAR-2025
MAHINDRA RURAL HOUSING FINANCE LTD.
NHB
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.3,20,000
9
17-FEB-2025
JM FINANCIAL HOME LOANS LTD.
NHB
DID NOT MAKE DISCLOSURE OF THE APPROACH FOR GRADATION OF RISK AND RATIONALE FOR CHARGING DIFFERENT RATE OF INTEREST TO DIFFERENT CATEGORIES OF BORROWERS, TO ITS CUSTOMERS IN THE APPLICATION FORMS AND DID NOT COMMUNICATE THE SAME EXPLICITLY IN THE SANCTION LETTERS
IMPOSED PENALTY RS.1,50,000
10
17-OCT-2024
FAMILY HOME FINANCE PVT.LTD.
NHB
DID NOT DO RISK CATEGORISATION OF ITS CUSTOMERS
IMPOSED PENALTY RS.50,000
11
02-SEP-2024
AADHAR HOUSING FINANCE LTD.
NHB
CHARGED INTEREST ON LOANS FOR THE PERIOD PRIOR TO DATE OF ACTUAL DISBURSEMENT OF LOAN/ISSUANCE OF CHEQUE TO CERTAIN BORROWERS IN CONTRAVENTION OF RBI DIRECTIONS ON ‘FAIR PRACTICES CODE’
IMPOSED PENALTY RS.5,00,000
12
02-SEP-2024
HOUSING & URBAN DEVELOPMENT CORP.LTD.
NHB
DID NOT UNDERTAKE RISK CATEGORIZATION OF CUSTOMERS
IMPOSED PENALTY RS.3,50,000
13
29-AUG-2024
GODREJ HOUSING FINANCE LTD.
NHB
DID NOT OBTAIN TWO INDEPENDENT VALUATION REPORTS BEFORE SANCTIONING CERTAIN LOANS OF RS.75 LAC AND ABOVE
IMPOSED PENALTY RS.5,00,000
14
26-AUG-2024
CENT BANK HOME FINANCE LTD.
NHB
DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES OF NHB ON CARRYING OUT PERIODIC REVIEW OF RISK CATEGORISATION OF CUSTOMERS AND/OR ACCOUNTS
IMPOSED PENALTY RS.2,10,000
15
07-AUG-2024
MUTHOOT HOUSING FINANCE CO.LTD.
NHB
DID NOT OBTAIN PRIOR WRITTEN PERMISSION OF NHB FOR CHANGE IN MANAGEMENT RESULTING IN CHANGE IN MORE THAN 30% OF THE DIRECTORS, EXCLUDING INDEPENDENT DIRECTORS
IMPOSED PENALTY RS.5,00,000
16
07-AUG-2024
NIDO HOME FINANCE LTD.
NHB
DID NOT ADHERE TO DIRECTIVES/INSTRUCTIONS/GUIDELINES ISSUED BY NHB ON LOAN AGREEMENTS WITH BORROWERS CLEARLY CONTAINED THE FEATURES OF CO-LENDING ARRANGEMENT AND ROLES & RESPONSIBILITIES OF COMPANY AND CO-LENDING BANK
IMPOSED PENALTY RS.5,00,000
17
10-JUN-2024
INDIA HOME LOAN LTD.
NHB
SANCTIONED LOANS BEYOND PRESCRIBED LOAN TO VALUE (LTV) RATIO
IMPOSED PENALTY RS.1,00,000
18
10-MAY-2024
SUNDARAM HOME FINANCE LTD.
NHB
DELAY IN PERIODIC UPDATION OF KNOW YOUR CLIENTS (KYC) OF CERTAIN CUSTOMERS
IMPOSED PENALTY RS.1,50,000
19
05-APR-2024
LIC HOUSING FINANCE LTD.
NHB
DID NOT MAKE DISCLOSURE OF RATE OF INTEREST AND APPROACH FOR GRADATION OF RISK AND RATIONALE FOR CHARGING DIFFERENT RATE OF INTEREST TO DIFFERENT CATEGORIES OF BORROWERS IN LOAN APPLICATION FORMS AND SANCTION LETTERS
IMPOSED PENALTY RS.49,70,000
20
02-FEB-2024
BAJAJ HOUSING FINANCE LTD.
NHB
DID NOT TAKE PRIOR WRITTEN PERMISSION OF RBI FOR CHANGE IN MANAGEMENT RESULTING IN CHANGE IN MORE THAN 30% OF THE DIRECTORS, EXCLUDING INDEPENDENT DIRECTORS
IMPOSED PENALTY RS.5,00,000
The regulatory charges/regulatory actions may be fully or partly applicable to the entities/persons mentioned in the second column.
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