Current · Source: Reserve Bank of India · RBI/2013-14/279 · issued 20 Sep 2013 · ~1 min read
Quick answerRBI now requires banks to submit a state-wise consolidated NRLM progress report quarterly, within 15 days of quarter-end, via email in the prescribed format. This replaces earlier reporting frequency.
The rule, in the simplest words
Banks must submit a state-wise consolidated NRLM progress report to RBI quarterly.
The report must be emailed within 15 days from quarter-end using the prescribed format.
Banks need to adjust their internal reporting cycles to compile and submit NRLM data quarterly.
How it plays out — a real example
At the end of each quarter, Rohan, a credit & lending officer in Indore, ensures that the state-wise NRLM progress data is compiled and submitted to RBI via email within 15 days. He coordinates with the state-level branches to ensure timely data aggregation and accuracy to avoid compliance gaps.
What changed
Previously, reporting on NRLM credit progress followed paragraph 13.5 of the June 27, 2013 circular. Now, banks must send a state-wise consolidated report to RBI at quarterly intervals instead of the earlier frequency. The report must be emailed within 15 days from quarter-end using the enclosed format.
What it means for you
Banks need to adjust their internal reporting cycles to compile and submit NRLM data quarterly. This reduces reporting burden compared to more frequent submissions but requires timely consolidation across states. Lenders must ensure accurate state-wise data to avoid compliance gaps.
What you must do
Set up quarterly internal deadlines to compile state-wise NRLM progress data.
Email the consolidated report in the prescribed format to RBI within 15 days of each quarter-end.
Update your reporting SOPs to reflect the change from earlier frequency to quarterly submission.
Coordinate with state-level branches or units to ensure timely data aggregation.
Who it affects
All scheduled commercial banks offering NRLM credit, Bank branches handling NRLM loans, Compliance and reporting teams
❓ Common questions
What is the deadline for submitting the NRLM report?
The report must be emailed to RBI within 15 days from the end of each quarter.
Does this circular change the reporting format?
The circular mentions an enclosed format for the report, but the format itself is not detailed in the source text. Banks should use the format provided with the circular.
Which earlier circular is being modified?
This modifies paragraph 13.5 of the circular RPCD.GSSD. No.81/09.01.03/2012–13 dated June 27, 2013.
📜 Read the original circular — full text as issued by RBI
RBI/2013-14/279
RPCD. GSSD.CO. BC. No 38/09.01.03/2013-14
September 20, 2013
The Chairman/ Managing Director
All Scheduled Commercial Banks
Dear Sir,
Credit facility under National Rural Livelihood Mission (NRLM) – Aajeevika- Reporting to RBI
Please refer to our Circular RPCD.GSSD. No.81/09.01.03/2012 – 13 dated June 27, 2013 on restructuring of Swarnajayanti Gram Swarozgar Yojana (SGSY) as National Rural Livelihood Mission (NRLM).
2. In partial modification of paragraph 13.5 of the circular, It has been decided that banks may send a state-wise consolidated report on the progress made on NRLM to RBI at quarterly intervals. The report may be e-mailed in the enclosed format within 15 days from the end of each quarter.
Yours faithfully,
(R. K. Moolchandani)
General Manager
Encl: As above
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2013-14/279 · issued 20 Sep 2013. The plain-English explanation above is BankPulse’s own independent summary.
Coordinate with state-level branches or units to ensure timely data aggregation.
📜 Compliance
Set up quarterly internal deadlines to compile state-wise NRLM progress data.
Email the consolidated report in the prescribed format to RBI within 15 days of each quarter-end.
Update your reporting SOPs to reflect the change from earlier frequency to quarterly submission.
Grouped from the action items above — a single circular may involve more than one team.
Worked example & action-note template
Example: if you are a Compliance officer at a bank this circular applies to (All scheduled commercial banks offering NRLM credit, Bank branches handling NRLM loans, Compliance and reporting teams), your first concrete step on “NRLM Credit Progress: Quarterly Reporting to RBI” is: “Set up quarterly internal deadlines to compile state-wise NRLM progress data.” (RBI issued this 20 Sep 2013).
Circular: RBI/2013-14/279 -- NRLM Credit Progress: Quarterly Reporting to RBI
Issued: 20 Sep 2013
Action required: Set up quarterly internal deadlines to compile state-wise NRLM progress data.
Action required: Email the consolidated report in the prescribed format to RBI within 15 days of each quarter-end.
Action required: Update your reporting SOPs to reflect the change from earlier frequency to quarterly submission.
Action required: Coordinate with state-level branches or units to ensure timely data aggregation.
Owner: ____________ Target date: ____________
Board/committee approval needed? Y / N
Evidence filed in compliance register on: ____________
Built only from this circular’s own published fields — not legal advice; always confirm against the official RBI source.
💬 Banker Discussion
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=8443&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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