RRB Credit Reporting: New Timelines & CKYC Mandate
Current · Source: Reserve Bank of India · RBI/DOR/2025-26/113 · issued 04 Dec 2025 · ~2 min read
Quick answerRBI mandates RRBs to submit credit data to CICs on 9th, 16th, 23rd, and month-end from July 1, 2026. Full files due by 5th of next month; incremental data within 4 days. CKYC number reporting also required.
The rule, in the simplest words
RRBs must submit credit data to CICs on 9th, 16th, 23rd, and month-end dates.
Full files (all active and closed accounts) are due by the 5th of the next month.
Incremental accounts (new, closed, or changed) must be reported within 4 calendar days of each reference date.
RRBs must report the Central KYC (CKYC) number of borrowers to CICs whenever available.
How it plays out — a real example
A KYC & compliance officer in Indore, Mr. Kumar, ensures that the credit data of all borrowers is updated on the 9th, 16th, and 23rd of every month, and submits the full file by the 5th of the next month. He also makes sure to report any new or changed accounts within 4 days of the reference date, and captures the CKYC number of each borrower to maintain consistency across the financial system.
What changed
RBI amended the RRB Credit Information Reporting Directions, 2025, replacing paragraph 10(2) with a new schedule: credit information must be submitted as on 9th, 16th, 23rd, and last day of each month. Full files (all active and closed accounts) are due by the 5th of the next month, while incremental accounts (new, closed, or changed accounts) must be reported within 4 calendar days of the reference date. A new paragraph 12(10) requires RRBs to report the Central KYC (CKYC) number of borrowers to CICs whenever available. Paragraph 15 now mandates rectification and resubmission of rejected data before or with the next reporting cycle.
What it means for you
RRBs must overhaul their data submission processes to meet stricter, more frequent deadlines—weekly incremental reporting and a tight monthly full-file deadline. This reduces data latency for CICs, improving credit risk assessment for lenders. The CKYC mandate will enhance borrower identity consistency across the financial system. Non-compliance will be reported to RBI's Department of Supervision via the DAKSH portal, increasing regulatory scrutiny.
What you must do
Update internal systems to generate credit data extracts as on 9th, 16th, 23rd, and month-end dates.
Ensure full-file submissions (all active and closed accounts) reach CICs by the 5th of the following month.
Set up processes to identify and submit incremental accounts (new, closed, or changed) within 4 calendar days of each reference date.
Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs where available.
Establish a mechanism to rectify and resubmit rejected CIC data before or with the next reporting cycle.
Who it affects
Regional Rural Banks (RRBs), Credit Information Companies (CICs), RBI's Department of Supervision, Borrowers of RRBs
❓ Common questions
When do these new reporting timelines take effect?
The amended directions come into force from July 1, 2026, giving RRBs time to adjust their systems and processes.
What is an 'incremental account' for the weekly submissions?
Incremental accounts include accounts opened since the last reference date, accounts where the borrower relationship ended, accounts with changes (e.g., repayment, outstanding balance, demographic updates, guarantors), and accounts with changes in days past due.
What happens if an RRB fails to meet the new submission deadlines?
CICs will report non-compliant RRBs to RBI's Department of Supervision via the DAKSH portal at half-yearly intervals (as on March 31 and September 30) for monitoring and action.
📜 Read the original circular — full text as issued by RBI
RBI/DOR/2025-26/113
DOR.FIN.REC.No.320/20.16.056/2025-26
December 04, 2025
Reserve Bank of India (Regional Rural Banks – Credit Information Reporting)
Amendment Directions, 2025
The Reserve Bank had issued Reserve Bank of India (Regional Rural 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 (Regional Rural 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 (Regional Rural 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/2025-26/113 · issued 04 Dec 2025. The plain-English explanation above is BankPulse’s own independent summary.
Update internal systems to generate credit data extracts as on 9th, 16th, 23rd, and month-end dates.
📜 Compliance
Ensure full-file submissions (all active and closed accounts) reach CICs by the 5th of the following month.
Set up processes to identify and submit incremental accounts (new, closed, or changed) within 4 calendar days of each reference date.
Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs where available.
Establish a mechanism to rectify and resubmit rejected CIC data before or with the next reporting cycle.
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 (Regional Rural Banks (RRBs), Credit Information Companies (CICs), RBI's Department of Supervision, Borrowers of RRBs), your first concrete step on “RRB Credit Reporting: New Timelines & CKYC Mandate” is: “Update internal systems to generate credit data extracts as on 9th, 16th, 23rd, and month-end dates.” (RBI issued this 04 Dec 2025).
Action required: Update internal systems to generate credit data extracts as on 9th, 16th, 23rd, and month-end dates.
Action required: Ensure full-file submissions (all active and closed accounts) reach CICs by the 5th of the following month.
Action required: Set up processes to identify and submit incremental accounts (new, closed, or changed) within 4 calendar days of each reference date.
Action required: Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs where available.
Action required: Establish a mechanism to rectify and resubmit rejected CIC data before or with the next reporting cycle.
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.
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=13183&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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