Quick answerBanks must submit monthly Internet and Mobile Banking returns via the new CIMS portal starting August 2025. Each return is due by the 7th of the following month. Failure to comply triggers penalties under the Payment and Settlement Systems Act. All scheduled banks, including payment and small finance banks, must comply.
What changed
The Reserve Bank has shifted the reporting of Internet and Mobile Banking returns to the Centralised Information Management System (CIMS) starting August 2025.
What it means for you
Banks need to establish CIMS access for their admin users and ensure that monthly returns are filed on time. Internal reporting workflows must be updated to align with the new portal and deadline. Compliance monitoring will become more streamlined but non‑compliance will attract penalties.
The rule, in the simplest words
Banks must submit monthly Internet and Mobile Banking returns via the CIMS portal starting August 2025.
Each return is due by the 7th of the following month.
Failure to comply triggers penalties under the Payment and Settlement Systems Act.
How it plays out — a real example
{'text': "As a gold-loan officer in Indore, Rohan ensures that the monthly Internet Banking Return (R065) and Mobile Banking Return (R102) are submitted on time via the CIMS portal. He double-checks the deadline, making sure the returns are filed by the 7th of the following month, to avoid any penalties. Rohan's diligence helps maintain a smooth compliance process for the bank.", 'role': 'Gold-loan officer in Indore'}
What you must do
Create CIMS login credentials for the admin users responsible for return submission.
Submit the Internet Banking Return (R065) and Mobile Banking Return (R102) each month via the CIMS portal.
Ensure each return is filed by the 7th of the succeeding month.
Maintain records of submissions and monitor for any compliance alerts from RBI.
Update internal audit procedures to reflect the new reporting requirements.
Who it affects
Scheduled Commercial Banks, Regional Rural Banks, Urban Co‑operative Banks, State Co‑operative Banks, District Co‑operative Banks, Payment Banks, Small Finance Banks
When does the new reporting requirement start?
The requirement begins with the reporting period of August 2025.
What is the filing deadline for each return?
Each return must be submitted by the 7th of the month following the reporting period.
What are the consequences of non‑compliance?
Banks may face penal action under Section 12 read with Section 19 of the Payment and Settlement Systems Act, 2007.
📜 Read the original circular — full text as issued by RBI
RBI/2025-26/77
CO.DPSS.ODD.No.S604/06-08-024/2025-2026
September 05, 2025
To
All SCBs (including RRBs), UCBs, StCBs, DCCBs, Payment Banks and Small Finance Banks
Madam / Dear Sir,
Returns – Department of Payment and Settlement Systems – Submission in CIMS
Following the launch of the next generation datawarehouse of the Reserve Bank of India i.e. Centralised Information Management System (CIMS), it has now been decided to commence the reporting of the following returns in CIMS:
Sr. No.
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2025-26/77 · issued 05 Sep 2025. The plain-English explanation above is BankPulse’s own independent summary.
Test yourself
Quick self-check built only from the facts already on this page — tap a question to reveal the answer.
Q1. In one line, what does this circular do?
Banks must submit monthly Internet and Mobile Banking returns via the new CIMS portal starting August 2025. Each return is due by the 7th of the following month. Failure to comply triggers penalties under the Payment and Settlement Systems Act. All scheduled banks, including payment and small finance banks, must comply.
Q2. Who does this circular apply to?
Scheduled Commercial Banks, Regional Rural Banks, Urban Co‑operative Banks, State Co‑operative Banks, District Co‑operative Banks, Payment Banks, Small Finance Banks
Q3. What is the first thing you should do about it?
Create CIMS login credentials for the admin users responsible for return submission.
Maintain records of submissions and monitor for any compliance alerts from RBI.
💻 IT / Systems
Submit the Internet Banking Return (R065) and Mobile Banking Return (R102) each month via the CIMS portal.
📜 Compliance
Create CIMS login credentials for the admin users responsible for return submission.
Ensure each return is filed by the 7th of the succeeding month.
Maintain records of submissions and monitor for any compliance alerts from RBI.
Update internal audit procedures to reflect the new reporting requirements.
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 (Scheduled Commercial Banks, Regional Rural Banks, Urban Co‑operative Banks, State Co‑operative Banks, District Co‑operative Banks, Payment Banks, Small Finance Banks), your first concrete step on “CIMS Return Submission for Internet & Mobile Banking” is: “Create CIMS login credentials for the admin users responsible for return submission.” (RBI issued this 05 Sep 2025).
Circular: RBI/2025-26/77 -- CIMS Return Submission for Internet & Mobile Banking
Issued: 05 Sep 2025
Action required: Create CIMS login credentials for the admin users responsible for return submission.
Action required: Submit the Internet Banking Return (R065) and Mobile Banking Return (R102) each month via the CIMS portal.
Action required: Ensure each return is filed by the 7th of the succeeding month.
Action required: Maintain records of submissions and monitor for any compliance alerts from RBI.
Action required: Update internal audit procedures to reflect the new reporting requirements.
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.
AI-drafted · AI fact-check pending · under the editorial review of our expert review panel · decoded & published by BankPulse · 06 Jul 2026, 18:54 IST
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12895&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert review panel. Independent platform, not affiliated with the Reserve Bank of India; never reproduces RBI text verbatim.
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