Home › Circulars › RBI/DOR/2025-26/112

LABs must report credit data weekly from July 2026

Current · Source: Reserve Bank of India · RBI/DOR/2025-26/112 · issued 04 Dec 2025 · ~2 min read

Quick answerFrom July 1, 2026, Local Area Banks must submit credit information to CICs on four fixed reference dates per month, with full-file reporting by the 5th of the next month and incremental updates within 4 calendar days.

The rule, in the simplest words

Local Area Banks must submit credit information to CICs on four fixed reference dates per month: 9th, 16th, 23rd, and last day.
Full-file reporting is due by the 5th of the next month, while incremental updates are required within 4 calendar days of the reference dates.
Credit Information Companies (CICs) must report CKYC numbers to CICs when available, and rectify rejected data and resubmit it before or with the next reference date's submission.

How it plays out — a real example

A KYC & compliance officer in Indore, Mr. Kumar, ensures that the bank's credit information is updated regularly on the 9th, 16th, 23rd, and last day of each month. He makes sure to submit the full file by the 5th of the next month and incremental updates within 4 calendar days. He also ensures that the CKYC numbers of borrowers are captured and reported to CICs. If any data is rejected, he rectifies it and resubmits it before or with the next reference date's submission.

What changed

The RBI amended the 2025 Directions to replace the previous paragraph 10(2) with a new weekly reporting schedule: CIs must submit credit data as on the 9th, 16th, 23rd, and last day of each month. Full files are due by the 5th of the next month, while other submissions require only incremental accounts within 4 calendar days. A new paragraph 12(10) mandates reporting of CKYC numbers to CICs when available. Paragraph 15 now requires CIs to rectify rejected data and resubmit it before or with the next reference date's submission.

What it means for you

Local Area Banks face tighter operational discipline: they must align internal systems to generate and transmit credit data on four fixed dates monthly, not just month-end. The incremental reporting rule reduces data load for mid-month submissions but demands real-time tracking of account changes. CKYC number reporting adds a compliance layer, and the resubmission rule for rejected data closes gaps in data quality. Non-adherence will be flagged to RBI's supervision department via DAKSH portal, increasing regulatory scrutiny.

What you must do

Update your credit information reporting system to generate data as on the 9th, 16th, 23rd, and last day of each month.
Ensure full-file submission by the 5th of the next month and incremental submissions within 4 calendar days of the reference dates.
Integrate CKYC number capture and reporting into borrower onboarding and data submission processes.
Set up a process to rectify rejected data from CICs and resubmit it before or with the next reference date's data.
Train operations and compliance teams on the new timelines and incremental account definitions.

Who it affects

Local Area Banks (LABs), Credit Information Companies (CICs), RBI's Department of Supervision

❓ Common questions

Regulatory timeline

Decoded by BankPulse 2026-06-17 19:41 IST
Later amended by — rbi-2025-26-258

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

What are the new reference dates for credit information submission?

The reference dates are the 9th, 16th, 23rd, and last day of each month. Full files must be submitted by the 5th of the next month, and incremental accounts for the other dates must be submitted within 4 calendar days.

What is an 'incremental account' under the new directions?

Incremental accounts include accounts opened since the last reference date, accounts where the borrower relationship ended, accounts with changes due to borrower actions (e.g., repayment, balance change, demographic updates), and accounts with changes only in days past due.

When do these amendments take effect?

The directions come into force from July 1, 2026. Banks should use the interim period to update systems and processes.

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

RBI/DOR/2025-26/112
 DOR.FIN.REC.No.319/20.16.056/2025-26
 December 04, 2025
 Reserve Bank of India (Local Area Banks – Credit Information Reporting)
 Amendment Directions, 2025
 The Reserve Bank had issued Reserve Bank of India (Local Area 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 (Local Area 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 (Local Area 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).”
 iiii) 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/2025-26/112 · issued 04 Dec 2025. The plain-English explanation above is BankPulse’s own independent summary.

🧰 Tools — save, print, templates & related

Most relevant forCompliance Team Data Science / Analytics IT & Cyber Security Risk Management Internal Audit Senior Management / Board

🛠 Banker’s toolkit — checklists & reply templates →

Related circulars · Department of Regulation

rbi-2025-26-258 SFB Pillar 3 Disclosure Norms Aligned with Basel UCB Deposit Rate Disclosure & Uniformity Rules Updated LAB Deposit Rate Disclosure & Uniformity Rules Tightened Payments Banks: Interest Rates Must Match Disclosed Schedule

Browse all departments →

Who does what — compliance checklist

⚙️ Operations

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

💻 IT / Systems

Update your credit information reporting system to generate data as on the 9th, 16th, 23rd, and last day of each month.

📜 Compliance

Ensure full-file submission by the 5th of the next month and incremental submissions within 4 calendar days of the reference dates.
Integrate CKYC number capture and reporting into borrower onboarding and data submission processes.
Set up a process to rectify rejected data from CICs and resubmit it before or with the next reference date's data.

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 (Local Area Banks (LABs), Credit Information Companies (CICs), RBI's Department of Supervision), your first concrete step on “LABs must report credit data weekly from July 2026” is: “Update your credit information reporting system to generate data as on the 9th, 16th, 23rd, and last day of each month.” (RBI issued this 04 Dec 2025).

Circular: RBI/DOR/2025-26/112 -- LABs must report credit data weekly from July 2026
Issued: 04 Dec 2025
Action required: Update your credit information reporting system to generate data as on the 9th, 16th, 23rd, and last day of each month.
Action required: Ensure full-file submission by the 5th of the next month and incremental submissions within 4 calendar days of the reference dates.
Action required: Integrate CKYC number capture and reporting into borrower onboarding and data submission processes.
Action required: Set up a process to rectify rejected data from CICs and resubmit it before or with the next reference date's data.
Action required: Train operations and compliance teams on the new timelines and incremental account definitions.
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.

Loading comments…

BankPulse Compliance Evidence Pack — generated 02 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=13182&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.