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Amended Credit Info Reporting Rules for Small Finance Banks

Current · Source: Reserve Bank of India · RBI/DOR/2025-26/111 · issued 04 Dec 2025 · ~2 min read
Quick answerFrom July 1 2026, Small Finance Banks must send credit data to CICs on the 9th, 16th, 23rd and month‑end, with a full file by the 5th of the next month. Incremental updates are due within four days of each reference date, and CKYC numbers must be reported when available.
The rule, in the simplest words
How it plays out — a real example

A KYC & compliance officer in Indore, Priya, now sets reminders on her calendar for the 9th, 16th, 23rd, and month-end. On the 16th, she quickly sends only the new gold loans and any repayments from the past week to the CIC, making sure each borrower's CKYC number is included. She also checks the system for any rejected files and corrects them right away to avoid her bank being named on the DAKSH portal.

What changed

The reporting calendar now includes four reference dates each month and a full‑file deadline on the 5th of the following month. Only incremental accounts need to be sent for the 9th, 16th and 23rd dates, with a four‑day turnaround. Banks must also forward borrowers' CKYC numbers and correct any rejected data before the next cycle.

What it means for you

Banks will need to automate data pulls to meet tighter, more frequent deadlines and expand their systems to capture CKYC identifiers. Data quality checks become critical because rejected files must be fixed promptly. Non‑compliant banks will be listed on the RBI’s DAKSH portal twice a year, increasing supervisory scrutiny.

What you must do

Who it affects

Small Finance Banks, Credit Information Companies (CICs), RBI supervisory unit

❓ Common questions

When do the new reporting requirements become effective?

The amended directions take effect on 1 July 2026.

What data must be sent on the 9th, 16th and 23rd of each month?

Only incremental accounts – new openings, closures, any change in balance, repayment, demographic updates, guarantor details, account type or overdue status – must be transmitted within four days of each date.

How should banks handle rejected data from CICs?

Rejected records must be corrected and resubmitted before the next reporting reference date, alongside the regular submission.

📜 Read the original circular — full text as issued by RBI
RBI/DOR/2025-26/111 DOR.FIN.REC.No.318/20.16.056/2025-26 December 04, 2025 Reserve Bank of India (Small Finance Banks – Credit Information Reporting) Amendment Directions, 2025 The Reserve Bank had issued Reserve Bank of India (Small Finance 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 (Small Finance 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 (Small Finance 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/2025-26/111 · issued 04 Dec 2025. The plain-English explanation above is BankPulse’s own independent summary.
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Who does what — compliance checklist
💻 IT / Systems
  • Implement a rapid rejection‑handling workflow to rectify and resend data before the next deadline.
  • Monitor compliance dashboards to avoid being flagged on the DAKSH portal.
📜 Compliance
  • Revise internal reporting schedules to align with the 9th, 16th, 23rd and month‑end dates.
  • Develop a process to extract and transmit only incremental account changes within four days.
  • Integrate CKYC number capture into the credit data feed.
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 (Small Finance Banks, Credit Information Companies (CICs), RBI supervisory unit), your first concrete step on “Amended Credit Info Reporting Rules for Small Finance Banks” is: “Revise internal reporting schedules to align with the 9th, 16th, 23rd and month‑end dates.” (RBI issued this 04 Dec 2025).

  1. Circular: RBI/DOR/2025-26/111 -- Amended Credit Info Reporting Rules for Small Finance Banks
  2. Issued: 04 Dec 2025
  3. Action required: Revise internal reporting schedules to align with the 9th, 16th, 23rd and month‑end dates.
  4. Action required: Develop a process to extract and transmit only incremental account changes within four days.
  5. Action required: Integrate CKYC number capture into the credit data feed.
  6. Action required: Implement a rapid rejection‑handling workflow to rectify and resend data before the next deadline.
  7. Action required: Monitor compliance dashboards to avoid being flagged on the DAKSH portal.
  8. Owner: ____________ Target date: ____________
  9. Board/committee approval needed? Y / N
  10. 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=13181&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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