HomeCirculars › RBI/2012-13/226

FINnet Gateway Test Mode for Urban Co-op Banks

Live · in forceNo withdrawal recorded as of 20 Jun 2026. Reviewed by Vikram Jain; always verify against the official RBI source below.
Issued by RBI: 27 Sep 2012  ·  Decoded by BankPulse: 19 Jun 2026, 23:56 IST
⏱ ~2 min read
📄 Official RBI source ↗
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.

What you must do

Who it affects

Primary (Urban) Co-operative Banks, Compliance Officers/Principal Officers of these banks, IT departments handling report submission

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.

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AI-drafted · 3-model AI consensus fact-check · under the editorial review of Vikram Jain · decoded & published by BankPulse · 19 Jun 2026, 23:56 IST
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7593&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by Vikram Jain. Independent platform, not affiliated with the Reserve Bank of India; never reproduces RBI text verbatim.