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RBI Tightens Credit Data Reporting Timelines and CKYC Norms

Current · Source: Reserve Bank of India · RBI/DOR/2025-26/110 · issued 04 Dec 2025 · ~2 min read

Quick answerRBI has amended credit information reporting directions, effective July 1, 2026. Banks must now submit full data by 5th of next month and incremental data within 4 days of reference dates. CKYC number reporting is mandatory where available. Non-adherence will be reported to RBI's supervision department.

The rule, in the simplest words

Banks must send a full list of all loans (full file) by the 5th day of the next month for the last day of the month.
For the 9th, 16th, and 23rd of each month, banks only need to send changes (incremental accounts) within 4 days.
Incremental accounts include new loans, closed loans, any changes like repayments, balance updates, or overdue amounts.
Banks must report the CKYC number (a unique customer ID) for every borrower if they have it.
If the credit bureau rejects any data, banks must fix and resend it before or with the next report.

How it plays out — a real example

A KYC & compliance officer in Indore, Priya, now updates her system every week. On the 10th of the month, she sends only the new gold loans and any repayments from the past week to the credit bureau, making sure to include each customer's CKYC number. She also checks the DAKSH portal for any rejected records and corrects them before the next submission on the 16th.

What changed

The amendment replaces paragraph 10(2) with a structured reporting schedule: full file by 5th of next month for month-end data, and incremental accounts within 4 calendar days for 9th, 16th, and 23rd reference dates. A new paragraph 12(10) mandates reporting of CKYC numbers to CICs. Paragraph 15 now requires rectification and resubmission of rejected data before or with the next submission.

What it means for you

Banks must overhaul their data submission processes to meet tighter deadlines, reducing lag in credit information updates. The incremental reporting requirement increases operational complexity, especially for tracking account changes. Mandatory CKYC reporting will improve borrower identity consistency across CICs. Non-compliance will be escalated to RBI's supervision department, raising stakes for data quality and timeliness.

What you must do

Update internal systems to generate full files by 5th of each month and incremental files within 4 days of 9th, 16th, and 23rd reference dates.
Ensure CKYC numbers are captured and reported for all borrowers where available, including fresh applicants.
Establish a process to rectify and resubmit rejected data from CICs before the next reporting reference date.
Train operations and IT teams on the new timelines and incremental account definitions.
Monitor compliance via DAKSH portal reports and prepare for half-yearly RBI oversight.

Who it affects

All commercial banks (CI) reporting to credit information companies, Credit information companies (CICs) managing DAKSH portal, Bank operations and IT teams handling data submission, Risk and compliance departments

❓ Common questions

Regulatory timeline

Stated effective date effective July 1, 2026
Decoded by BankPulse 2026-06-17 19:41 IST
Amends — RBI's New Credit Reporting Rules for Rural Co-operative Banks

Built from our lineage records — each fact carries its provenance; missing history simply is not shown (never guessed).

What is the effective date of these amendments?

The amendments come into force from July 1, 2026.

What are the new reporting deadlines for banks?

Full file for month-end (last day) must be submitted by 5th of next month. Incremental accounts for 9th, 16th, and 23rd must be submitted within 4 calendar days from those dates.

What happens if a bank fails to meet the deadlines?

CICs will report non-adherent banks to RBI's Department of Supervision via the DAKSH portal at half-yearly intervals (as on March 31 and September 30) for monitoring.

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

Amends RBI's New Credit Reporting Rules for Rural Co-operative Banks

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

RBI/DOR/2025-26/110
 DOR.FIN.REC.No.317/20.16.056/2025-26
 December 04, 2025
 Reserve Bank of India (Commercial Banks – Credit Information Reporting)
 Amendment Directions, 2025
 The Reserve Bank had issued Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions, 2025 for efficient functioning of credit information reporting system in the country. There is a need to further amend the same based on a review of the extant instructions.
 2. Accordingly, in exercise of the powers conferred under Section 11 of the Credit Information Companies (Regulation) Act, 2005, the Reserve Bank being satisfied that it is necessary and expedient in the public interest to do so, hereby issues the Amendment Directions hereinafter specified.
 3. (i) These directions shall be called the Reserve Bank of India (Commercial Banks – Credit Information Reporting) Amendment Directions, 2025.
 (ii) These directions shall come into force from July 01, 2026.
 4. These directions modify the Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions, 2025 , hereinafter referred to as the said Directions, as under:
 i) The paragraph 10(2) of the said Directions shall be substituted by the following, namely:
 “A CI shall keep the credit information collected / maintained by it, updated regularly on the following basis  or at shorter intervals as mutually agreed upon between the CI and CIC:
 (i) A CI shall submit credit information as on 9th, 16th, 23rd and last day of the month (hereinafter referred to as the reference dates) to CICs.
 (ii) A CI shall submit the full file containing credit information records as on the last day of the month to the CICs, by 5th day of the next month. Full file for this purpose shall include all active accounts in the books of the CI and the accounts wherein relationship between the borrower and the CI has ended since the last reporting reference date.
 (iii) For other submissions during the month, i.e., credit information records as on 9th, 16th and 23rd day of the month, a CI shall only furnish ‘incremental accounts’ to CICs. The CI shall submit such credit information to CICs within four (4) calendar days from the above-mentioned dates. Incremental accounts for this purpose shall include details in respect of the following accounts:
 Accounts opened since the last reporting reference date; 
 Accounts wherein the relationship between the borrower and the CI has ended since the last reporting reference date;
 Accounts where there is a change from the last reporting reference date because of any action/ transaction initiated by the borrower, and the same shall include instances of repayment, change in outstanding balance, updates in demographic details, related party, guarantors, ownership of account, account type; and 
 Accounts where interest and / or instalment of principal is overdue

 Explanation: Accounts with change only in days past due from the last reporting reference date shall also form part of the reporting.
 (iv) An illustration on timelines for reporting is given in Annex-VI .
 (v) CICs shall report on the DAKSH portal, a list of CIs which fail to adhere to the data submission timelines to Department of Supervision, Reserve Bank of India, Central Office at half yearly intervals (as on March 31 and September 30 each year) for information and monitoring purposes.”
 ii) A new paragraph 12(10) shall be inserted after paragraph 12(9) of the said Directions as follows, namely:
 “A CI shall report Central KYC (CKYC) number of its borrowers to CICs, wherever the same is available with it or as and when CKYC number is made available (in the case of fresh applicants for CKYC number).”
 iii) Paragraph 15 of the said Directions shall be substituted by the following, namely:
 “A CI shall rectify the rejected data shared by CICs and re-submit the same to CICs before/ along with submission of data of subsequent reporting reference date.” 
 (J. P. Sharma)
 Chief General Manager-in-Charge

Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/DOR/2025-26/110 · issued 04 Dec 2025. The plain-English explanation above is BankPulse’s own independent summary.

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Who does what — compliance checklist

⚙️ Operations

Train operations and IT teams on the new timelines and incremental account definitions.

💻 IT / Systems

Update internal systems to generate full files by 5th of each month and incremental files within 4 days of 9th, 16th, and 23rd reference dates.
Monitor compliance via DAKSH portal reports and prepare for half-yearly RBI oversight.

📜 Compliance

Ensure CKYC numbers are captured and reported for all borrowers where available, including fresh applicants.
Establish a process to rectify and resubmit rejected data from CICs before the next reporting reference date.

Grouped from the action items above — a single circular may involve more than one team.

Worked example & action-note template

Example: if you are an IT/Systems lead at a bank this circular applies to (All commercial banks (CI) reporting to credit information companies, Credit information companies (CICs) managing DAKSH portal, Bank operations and IT teams handling data submission, Risk and compliance departments), your first concrete step on “RBI Tightens Credit Data Reporting Timelines and CKYC Norms” is: “Update internal systems to generate full files by 5th of each month and incremental files within 4 days of 9th, 16th, and 23rd reference dates.” (RBI issued this 04 Dec 2025).

Circular: RBI/DOR/2025-26/110 -- RBI Tightens Credit Data Reporting Timelines and CKYC Norms
Issued: 04 Dec 2025
Action required: Update internal systems to generate full files by 5th of each month and incremental files within 4 days of 9th, 16th, and 23rd reference dates.
Action required: Ensure CKYC numbers are captured and reported for all borrowers where available, including fresh applicants.
Action required: Establish a process to rectify and resubmit rejected data from CICs before the next reporting reference date.
Action required: Train operations and IT teams on the new timelines and incremental account definitions.
Action required: Monitor compliance via DAKSH portal reports and prepare for half-yearly RBI oversight.
Owner: ____________ Target date: ____________
Board/committee approval needed? Y / N
Evidence filed in compliance register on: ____________

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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=13180&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.