No longer current — withdrawn, no replacement on file yet
Source: Reserve Bank of India · RBI/2012-13/226 · issued 27 Sep 2012 · ~2 min read
Quick answerRBI directs all Primary Urban Co-operative Banks to start uploading reports in test mode on the FINnet Gateway from August 31, 2012, to test electronic submission capability, while continuing existing CD-based reporting until further notice.
What changed
FIU-IND has asked all banks, including Primary Urban Co-operative Banks, to begin submitting reports in test mode on the FINnet Gateway from August 31, 2012. This is a step toward the eventual go-live of the single XML reporting format under Project FINnet for PMLA compliance. Existing CD-based reporting to FIU-IND must continue until further notice.
What it means for you
Urban co-operative banks must now test their systems for electronic report submission via the FINnet Gateway, which will eventually replace the current CD-based reporting. This is a preparatory phase, so banks need to ensure their IT infrastructure can handle XML uploads. Non-compliance could delay the transition and invite regulatory scrutiny.
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
Initiate submission of reports in test mode on the FINnet Gateway from August 31, 2012, as advised by FIU-IND.
Continue submitting existing reports in CD format to FIU-IND until the go-live is announced.
Contact FIU Help Desk at 011-24109792/93 or email for any clarifications or assistance.
Ensure the Compliance Officer/Principal Officer acknowledges receipt of this circular to the concerned Regional Office.
Who it affects
Primary (Urban) Co-operative Banks, Compliance Officers/Principal Officers of these banks, IT departments handling report submission
❓ Common questions
Regulatory timeline
Decoded by BankPulse2026-06-18 17:47 IST
repealed_by — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
Status change: withdrawn03 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 FINnet Gateway test mode?
It is a testing phase where banks upload reports electronically to FIU-IND to verify their ability to use the new XML format, without replacing existing CD-based submissions yet.
Do we stop sending CDs to FIU-IND during test mode?
No, you must continue submitting existing reports in CD format until FIU-IND announces the go-live of the project.
Who should we contact for technical issues with the test mode?
Contact the FIU Help Desk at phone numbers 011-24109792/93 or via email for any clarifications or assistance.
📜 This document’s life story (1 recorded event, each backed by RBI’s own words)
Repealed byRBI/2025-26/100 — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
RBI’s words: “Official withdrawal register entry #1219: UBD.BPD(PCB)Cir.No.13/14.01.062/2012-13 — "Uploading of Reports in 'Test Mode' on FINnet Gateway" dated September 27, 2012”
📜 Read the original circular — full text as issued by RBI
RBI/2012-13/226
UBD.BPD (PCB) Cir. No.13/14.01.062/2012-13
September 27, 2012
The Chief Executive Officer of
All Primary (Urban) Co-operative Banks
Madam/Dear Sir,
Uploading of Reports in ‘Test Mode’ on FINnet Gateway
Please refer to our circular UBD.CO.BPD.No.10/12.05.001/2011-12 dated November 9, 2011 advising Primary (Urban) Co-operative Banks regarding introduction of single XML reporting format under Project FINnet for furnishing reports to FIU-IND under the PML Rules, 2005. Primary (Urban) Co-operative Banks were also advised to develop capacity and be in readiness to implement the new format as and when advised by FIU-IND.
2. FIU-IND have now advised vide their letter F. No. 9-29/2011-FIU-IND dated August 28, 2012, that all banks should initiate submission of reports on the FINnet Gateway in ‘TEST MODE’ from August 31, 2012 to test their ability to upload the report electronically. Such submission in ‘TEST MODE’ would continue till FIU-IND informs the banks about ‘go-live’ of the project. The reporting entities may contact FIU Help Desk at email or phone numbers 011-24109792/93 for any clarification or assistance. Primary (Urban) Co-operative Banks are also required to continue to submit the existing reports in CD to FIU-IND as presently required till further notice.
3. Primary (Urban) Co-operative Banks are accordingly advised to take action as required by FIU-IND.
4. The Compliance Officer/Principal Officer should acknowledge receipt of this circular to the Regional Office concerned.
Yours faithfully,
(A. Udgata)
Chief General Manager-in-Charge
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2012-13/226 · issued 27 Sep 2012. 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 03 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=7593&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.
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