SME Credit Flow: Revised Quarterly Reporting Format for PSBs
No longer current — withdrawn, no replacement on file yet
Source: Reserve Bank of India · RBI/2005-06/145 · issued 26 Aug 2005 · ~2 min read
Quick answerRBI circular requires public sector banks to submit quarterly data on credit flow to SME sector in a revised format, with separate break-up for tiny, small, and medium enterprises, for quarter ending September 2005, and retrospectively for March and June 2005.
What changed
RBI circular dated August 26, 2005 introduces a revised reporting format for quarterly data on credit flow to the SME sector, replacing the earlier SSI-focused format. Banks must now provide separate break-up for tiny, small, and medium enterprises, as advised in circular dated August 19, 2005. Data for quarters ending March and June 2005 also need to be submitted retrospectively.
What it means for you
Public sector banks must enhance their data granularity for SME lending, distinguishing between tiny, small, and medium enterprises. This will enable better monitoring by the Secretary (SSI & ARI), Government of India and may influence policy decisions. Banks need to ensure their systems capture and report these sub-segments accurately.
Historical instruction — do not use for current compliance. This is what was required at the time; it no longer reflects current RBI requirements. If no replacement rule is linked above, that only means none is recorded on our register yet — it does not prove no later applicable rule exists. Confirm on the official RBI source below.
What banks were required to do at the time
Compile and submit quarterly data on SME credit flow in the prescribed format for quarter ending September 2005.
Arrange to forward data for quarters ending March and June 2005 in due course.
Ensure internal systems capture separate break-up for tiny, small, and medium enterprises as per the revised format.
Who it affects
Public sector banks, SME lending departments, Data reporting and compliance teams
❓ Common questions
Regulatory timeline
Decoded by BankPulse2026-06-19 19:53 IST
Status change: withdrawn05 Aug 2026, 04:00 IST
Built from our lineage records — each fact carries its provenance; missing history simply is not shown (never guessed).
What is the key change in the new reporting format?
The format now requires separate break-up for tiny, small, and medium enterprises, instead of only SSI data, as per circular dated August 19, 2005, referenced in the August 26, 2005 circular.
Which quarters need to be reported retrospectively?
Data for quarters ending March 2005 and June 2005 must also be submitted in due course, along with the current quarter ending September 2005.
Who is the reporting authority for this data?
The data is submitted to RBI for review by the Secretary (SSI & ARI), Government of India.
📜 Read the original circular — full text as issued by RBI
RBI/2005-06/145
RPCD.PLNFS.BC.No. 38/06.02.31(iv)/2005-06
August 26, 2005
The Chairman/Managing Director All Public Sector Banks
Dear Sir,
Credit flow to SME sector- Reporting Format for Quarterly Review by the Government of India
Please refer to our letter No.RPCD.PLNFS.No.508/06.02.31/2003-04 dated August 13, 2003 regarding submission of quarterly data on credit flow to SSI sector for review by the Secretary (SSI & ARI), Government of India in the prescribed format forwarded to you vide our said letter.
2. In this connection we invite your kind attention to Para. No.3 of our circular RPCD.PLNFS. BC. No.31 /06.02.31/ 2005-06 dated August 19, 2005 advising you to show the break up separately for tiny, small and medium enterprises. You are requested to compile the requisite data for the quarter ended September 2005 (in the proforma enclosed) and submit to us. You are also requested to arrange to forward to us the data in respect of tiny, small and medium enterprises for the quarters ended March and June 2005 in due course.
Yours faithfully,
(G.P.Borah)
Deputy General Manager
CREDIT FLOW TO THE SME SECTOR EXTENDED BY THE PUBLIC SECTOR BANKS FOR THE QUARTER ENDED ----,2005
Sr. No.
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2005-06/145 · issued 26 Aug 2005. The plain-English explanation above is BankPulse’s own independent summary.
Discuss this circular with fellow bankers — reply, upvote what helps, report what doesn’t belong. Be professional; no client data. Views are the commenter’s own, not BankPulse’s.
BankPulse Compliance Evidence Pack — generated 05 Aug 2026 · status cross-checked against RBI’s official withdrawal register (refreshed weekly). Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=2485&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.
Help us keep this accurate
Found an inaccuracy or have an improvement? Tell us. Every report is reviewed by our team before any change is made — nothing goes live unverified.
Public beta — plain-English informational summaries. Always verify against the official RBI source (circular number cited on every page) before making compliance, credit, treasury, audit, or operational decisions. · Join our WhatsApp channel ↗
BANKPULSE · FREE DAILY BRIEF
Get RBI updates for your role
Every important RBI update, decoded in plain English — for your career, exams & financial awareness.
We collect only your email, name and role, used solely to send your brief — never sold or shared. Withdraw anytime via the unsubscribe link in any email. Independent platform, not affiliated with the RBI. Information, not legal advice.
REPORT AN ERROR · BETA
Spotted an error? Earn 500 BankPulse Credits
Help us stay accurate. If your correction is verified true and approved by our founder, you earn 500 BankPulse Credits — redeemable when the platform monetises.
Reviewed by a human before any credit is awarded. We never change the site from crowd input without verification.
WANT A NEW FEATURE · BETA
What would make BankPulse more useful for you?
Tell us what to build next — a tool, a data view, a role page, anything. We read every suggestion.
Thank you — your ideas directly shape what we build.