<h1>Regulatory enforcement for banking directive violations results in a penalty after show cause process and substantiated breaches.</h1> Regulatory enforcement under the Banking Regulation Act led to a monetary penalty on Janata Urban Co-operative Bank for breaches of RBI directives concerning unsecured advances, related party lending, concentrated exposure to housing and real estate, and single/group exposure limits; the bank also created floating charges on standard assets without prior RBI approval and failed to perform customer risk categorisation. The Reserve Bank issued a show cause notice, considered the bank's written reply, found the violations substantiated and imposed the penalty.