RBI Deputy Governor S S Mundra has raised concerns over one-third of ATMs being non-functional and warned the banks of penal action if the compliance levels are not met. Mr Mundra quoted a survey of 4,000 ATMs conducted by a Reserve Bank team recently wherein it has found that almost one-third of these machines are not in working conditions.Speaking at a banking event in Mumbai , Mr Mundra said the ATMs surveyed were situated in various parts of the country and were of various banks. He said the survey results are not comforting in any way.The Deputy Governor further said that the RBI survey has also found many violations of various regulatory instructions such as on display material, facilities for differently abled, etc. He added that the RBI will be taking necessary supervisory action in this regard.Mr Mundra said the government and the RBI have taken financial inclusion as one of the top agendas and ATMs are one of the ways to attain that objective. He said despite that banks are being found not adhering to the compliance levels prescribed by the regulators.