Home › Circulars › RBI/2012-13/250

UCBs: FINnet Gateway Go-Live on Oct 20, CD Reports End

No longer current — withdrawn, no replacement on file yet

Source: Reserve Bank of India · RBI/2012-13/250 · issued 15 Oct 2012 · ~2 min read

Quick answerFrom October 20, 2012, all Primary (Urban) Co-operative Banks must submit reports only via the FINnet Gateway in XML format. CD-based submissions will be invalid after that date. Banks must ensure timely compliance with FIU-IND requirements.

What changed

FIU-IND has set October 20, 2012 as the go-live date for the FINnet Gateway, replacing the earlier test mode period. After this date, banks must stop submitting reports in CD format and use only the new XML reporting format on the FINnet Gateway. Any CD reports received post-October 20 will not be considered valid by FIU-IND.

What it means for you

UCBs must fully transition to the FINnet Gateway for all report submissions, ending the use of physical CDs. This shift to XML-based reporting aims to streamline data collection and improve accuracy. Banks need to ensure their systems and staff are ready for the new format to avoid non-compliance penalties.

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

Ensure all reports are submitted via FINnet Gateway in XML format from October 20, 2012 onwards.
Stop using CD format for report submissions after the go-live date.
Contact FIU-IND help desk at 011-24109792/93 or via email for any clarifications.
Have the Compliance Officer/Principal Officer acknowledge receipt of this circular to the concerned Regional Office.

Who it affects

All Primary (Urban) Co-operative Banks (UCBs), Compliance Officers and Principal Officers of UCBs, FIU-IND reporting teams at UCBs

❓ Common questions

Regulatory timeline

Decoded by BankPulse 2026-06-18 17:38 IST
repealed_by — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
Status change: withdrawn 03 Aug 2026, 04:00 IST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 deadline for switching to FINnet Gateway?

The go-live date is October 20, 2012. After this date, all reports must be submitted only via the FINnet Gateway in XML format.

What happens if we submit a report in CD format after October 20?

Any report in CD format received after October 20, 2012 will not be treated as a valid submission by FIU-IND.

Who should we contact for help with the new reporting system?

For clarifications or assistance, contact the FIU-IND help desk by email or at telephone numbers 011-24109792/93.

📜 This document’s life story (1 recorded event, each backed by RBI’s own words)

Repealed by RBI/2025-26/100 — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)

RBI’s words: “Official withdrawal register entry #1216: UBD.BPD.(PCB).Cir.No.19/14.01.062/2012-13 — "Uploading of Reports in 'Test Mode' on FINnet Gateway" dated October 15, 2012”

📜 Read the original circular — full text as issued by RBI

RBI/2012-13/250
 UBD.BPD (PCB) Cir. No.19/14.01.062/2012-13
 October 15, 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.13/14.01.062/2011-12 dated September 27, 2012 advising Primary (Urban) Co-operative Banks (UCBs) to initiate submission of reports on the FINnet Gateway in ‘TEST MODE’ from August 31, 2012. 
 2. FIU-IND have now advised that the ‘go-live’ date is October 20, 2012 and that banks may discontinue submission of reports in CD format after October 20, 2012, using only FINnet gateway for uploading of reports in the new XML reporting format. Any report in CD format received after October 20, 2012 will not be treated as a valid submission by FIU-IND.
 3. UCBs are accordingly advised to take action as required by FIU-IND and ensure that all reports are submitted in time as per the schedule.
 4. For any clarification/assistance regarding submission of reports, you may contact FIU-IND help desk by email or telephone numbers 011-24109792/93.
 5. 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/2012-13/250 · issued 15 Oct 2012. The plain-English explanation above is BankPulse’s own independent summary.

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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=7625&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.