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MTSS Reports: Mandatory FINnet Gateway Upload from Oct 20, 2012 (RBI Circular Jan 10, 2013)

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: 10 Jan 2013  ·  Decoded by BankPulse: 19 Jun 2026, 22:30 IST
⏱ ~1 min read
📄 Official RBI source ↗
Quick answerFrom October 20, 2012, all Indian agents under MTSS must upload reports only via FINnet Gateway in XML format. CD submissions will be invalid after that date. Ensure timely compliance with FIU-IND requirements.

What changed

FIU-IND set October 20, 2012 as the 'go-live' date for mandatory FINnet Gateway reporting. After this date, CD-format reports will no longer be accepted as valid submissions. This replaces the earlier test-mode phase that began August 31, 2012.

What it means for you

Banks and authorized persons acting as Indian agents under MTSS must fully transition to the FINnet Gateway for all report submissions. Continuing to use CDs after the deadline risks non-compliance with FIU-IND and PMLA requirements. This streamlines reporting but demands system readiness and adherence to the new XML format.

What you must do

Who it affects

All Authorised Persons acting as Indian Agents under Money Transfer Service Scheme (MTSS), Banks handling inward remittances under MTSS, Compliance and reporting teams dealing with FIU-IND submissions

What happens if we submit a CD report after October 20, 2012?

FIU-IND will not treat it as a valid submission. You must use only the FINnet Gateway with the new XML format from that date.

Who should we contact for help with FINnet Gateway reporting?

Contact the FIU-IND help desk at telephone numbers 011-24109792/93 or via email for any clarification 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, 22:30 IST
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7801&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.