Home › Circulars › RBI/2021-22/166

RBI Moves Six Returns to Online Filing Under RRA 2.0

Current · Source: Reserve Bank of India · RBI/2021-22/166 · issued 18 Feb 2022 · ~1 min read
Quick answerRBI will convert six paper/email-based returns—including collateral loan, composite loan, and priority sector data—to online submission. Exact go-live date to be announced later. Banks must prepare for digital filing.
The rule, in the simplest words
How it plays out — a real example

A compliance officer at a small finance bank in Jaipur checks the list of six returns and sees that the collateral loan report (a report about loans backed by assets) must now be filed online. She updates her team's training schedule and tests the new online portal as soon as it's available, so they don't miss the deadline when RBI announces the go-live date.

What changed

RBI announced that six specific returns currently submitted on paper or via email will be migrated to an online filing system. This is part of the interim recommendations of the Regulations Review Authority (RRA 2.0). The exact date for the switch is yet to be notified.

What it means for you

Banks will need to transition from manual or email-based reporting to a digital platform for these returns, reducing paperwork and potential errors. This streamlines regulatory compliance but requires banks to update their internal systems and train staff. The move aligns with RBI's broader digitization push.

What you must do

Who it affects

All Scheduled Commercial Banks, All Small Finance Banks, All Local Area Banks, Compliance and IT departments

❓ Common questions

Which returns are being moved to online filing?

Six returns: Collateral Loan (up to Rs 25 lakh and CGS-covered), Composite Loans (up to Rs 1 crore), Quarterly Priority Sector Advances (PSA), Annual State-wise PSA, Granular PSA data, and Natural Calamity Notification.

When will the online filing start?

The exact date has not been announced yet. RBI will notify it in due course. Banks should stay alert for further circulars.

Do we need to stop paper submissions immediately?

No. Continue existing submission methods until RBI notifies the online filing date. The change is prospective.

📜 Read the original circular — full text as issued by RBI
Notifications - Reserve Bank of India Skip to main content Selected Selected Change Language हिंदी Search the Website Search Home About Us ▼ About Us Organisation & Functions ▶ Organisation Structure Departments Offices Training Establishment ▶ College of Agricultural Banking Reserve Bank Staff College College of Supervisors RBI's Functions and Working Governors Deputy Governors Executive Directors Communication Policy of RBI Sources of Information ▶ Annual Publications Half-yearly Publications Quarterly Publications Monthly Publications Weekly Publications Occasional Publications SDDS NSDP Data Releases Publications available on Subscription General Information RBI History Museum ▶ The RBI Museum RBI Monetary Museum Notification ▼ Notifications Master Directions Master Circulars Amendment Directions Draft Notifications/Guidelines ▶ Draft Notifications/Guidelines Draft Directions (RE-wise) Index To RBI Circulars Standalone Circulars Circulars Withdrawn Press Releases Speeches & Media Interactions ▼ Speeches Media Interactions Memorial Lectures Podcasts Publications ▼ Biennial Annual Half-Yearly Quarterly Bi-monthly Monthly Weekly Occasional Reports Working Papers Legal Framework ▼ Act Rules Regulations Schemes Research ▼ External Research Schemes RBI Occasional Papers Working Papers RBI Bulletin History DRG Studies KLEMS State Statistics and Finances Statistics ▼ Data Releases Database on Indian Economy Public Debt Statistics Regulatory Reporting ▼ List of Returns Data Definition Validation rules/ Taxonomy List of RBI Reporting Portals FAQs of RBI Reporting Portals Home Notifications Notifications ( 226 kb ) Regulations Review Authority (RRA 2.0) – Interim Recommendations - Online Submission of Returns RBI/2021-22/166 CO.FIDD.Plan.BC.17/04.09.01/2021-22 February 18, 2022 The Chairman / Managing Director/ Chief Executive Officer All Scheduled Commercial Banks All Small Finance Banks All Local Area Banks Madam / Dear Sir Regulations Review Authority (RRA 2.0) – Interim Recommendations - Online Submission of Returns Please refer to the press release dated February 18, 2022 issued on the captioned subject. 2. As part of the implementation of the interim recommendations of the RRA 2.0, it is proposed to convert, the paper based/ e-mail-based returns listed in the Annex into online filing. 3. The exact date of online filing of the returns, would be notified in due course. Yours faithfully, (Smt. Sonali Sen Gupta) Chief General Manager-in- Charge Encl: As above Annex List of Returns to be converted into Online submission S. No. Return Name Return Description 1 Collateral Loan Collateral free loans up to Rs. 25 lakh and of those covered under Credit Guarantee Scheme 2 Composite Loans Composite Loans outstanding upto Rs 1 Crore under the scheme of SIDBI and Banks 3 Priority Sector Advances–Quarterly PSA and sectoral credit - Bank-wise 4 Priority Sector Advances– Annual State-wise data relating to PSA and sectoral credit 5 Granular data for Priority Sector Advances This contains transactional level data for Priority Sector Advances data 6 Natural Calamity Notification Natural Calamity Notification 2026 All Months January February March April May June July August September October November December 2025 All Months January February March April May June July August September October November December 2024 All Months January February March April May June July August September October November December 2023 All Months January February March April May June July August September October November December 2022 All Months January February March April May June July August September October November December 2021 All Months January February March April May June July August September October November December 2020 All Months January February March April May June July August September October November December 2019 All Months January February March April May June July August September October November December 2018 All Months January February March April May June July August September October November December 2017 All Months January February March April May June July August September October November December Archives 2016 All Months January February March April May June July August September October November December 2015 All Months January February March April May June July August September October November December 2014 All Months January February March April May June July August September October November December 2013 All Months January February March April May June July August September October November December 2012 All Months January February March April May June July August September October November December 2011 All Months January February March April May June July August September October November December 2010 All Months January February March April May June July August September October November December 2009 All Months January February March April May June July August September October November December 2008 All Months January February March April May June July August September October November December 2007 All Months January February March April May June July August September October November December 2006 All Months January February March April May June July August September October November December 2005 All Months January February March April May June July August September October November December 2004 All Months January February March April May June July August September October November December 2003 All Months January February March April May June July August September October November December 2002 All Months January February March April May June July August September October November December 2001 All Months January February March April May June July August September October November December 2000 All Months January February March April May June July August September October November December 1999 All Months January February March April May June July August September October November December 1998 All Months January February March April May June July August September October November December 1997 All Months January February March April May June July August September October November December 1996 All Months January February March April May June July August September October November December 1995 All Months January February March April May June July August September October November December 1994 All Months January February March April May June July August September October November December 1993 All Months January February March April May June July August September October November December 1992 All Months January February March April May June July August September October November December 1991 All Months January February March April May June July August September October November December Top Back to previous page More Links : Bank Holidays Banking Glossary Citizen's Charter Complaints Contact Us COVID-19 Measures E-LMS Events FAQs Financial Education Forms IFSC/MICR Codes Important Websites Opportunities @ RBI RBI Clarifications RBI Kehta Hai RBI’s Vision and Values (1257 kb)--> Right to Information Act Tenders Follow RBI RSS Twitter YouTube Instagram Facebook LinkedIn © Reserve Bank of India. 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Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2021-22/166 · issued 18 Feb 2022. The plain-English explanation above is BankPulse’s own independent summary.
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Who does what — compliance checklist
💻 IT / Systems
  • Prepare IT systems and staff for online filing; ensure data accuracy and format compliance.
  • Test the online submission portal once available to avoid last-minute issues.
📜 Compliance
  • Identify the six returns listed in the annex and assess current submission processes.
  • Monitor RBI notifications for the exact go-live date and any technical guidelines.
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, All Small Finance Banks, All Local Area Banks, Compliance and IT departments), your first concrete step on “RBI Moves Six Returns to Online Filing Under RRA 2.0” is: “Identify the six returns listed in the annex and assess current submission processes.” (RBI issued this 18 Feb 2022).

  1. Circular: RBI/2021-22/166 -- RBI Moves Six Returns to Online Filing Under RRA 2.0
  2. Issued: 18 Feb 2022
  3. Action required: Identify the six returns listed in the annex and assess current submission processes.
  4. Action required: Prepare IT systems and staff for online filing; ensure data accuracy and format compliance.
  5. Action required: Monitor RBI notifications for the exact go-live date and any technical guidelines.
  6. Action required: Test the online submission portal once available to avoid last-minute issues.
  7. Owner: ____________ Target date: ____________
  8. Board/committee approval needed? Y / N
  9. 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.

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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=12236&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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