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UCB Credit Reporting: New Timelines & CKYC Mandate

Current · Source: Reserve Bank of India · RBI/DOR/2025-26/114 · issued 04 Dec 2025 · ~2 min read

Quick answerRBI mandates UCBs to submit credit data to CICs on 9th, 16th, 23rd, and month-end, with full file by 5th of next month. Incremental accounts due within 4 days. CKYC number reporting is now mandatory. Effective July 1, 2026.

The rule, in the simplest words

UCBs (Urban Co-operative Banks) must send credit data to CICs (Credit Information Companies) on 4 fixed dates each month: the 9th, 16th, 23rd, and the last day of the month.
By the 5th of the next month, UCBs must send a full file of all accounts (active and closed) as of the last day of the month.
For the mid-month dates (9th, 16th, 23rd), UCBs only send 'incremental accounts' (new, closed, changed, or overdue accounts) within 4 calendar days.
UCBs must now report the CKYC (Central KYC, a unique customer ID) number for every borrower to CICs, if available.
These rules start on July 1, 2026, and non-compliance will be watched through the DAKSH portal.

How it plays out — a real example

A KYC & compliance officer in Indore, Priya, updates her bank's system to flag accounts that are new, closed, or overdue on the 9th of the month. She then submits only those incremental accounts to the CIC within 4 days, making sure each borrower's CKYC number is included, so the credit bureau has accurate and timely data.

What changed

RBI has amended the Urban Co-operative Banks (Credit Information Reporting) Directions, 2025, introducing specific reference dates (9th, 16th, 23rd, and last day of month) for data submission. Full file must be submitted by the 5th of the next month, while other submissions are limited to incremental accounts with a 4-day deadline. Additionally, UCBs must now report the Central KYC (CKYC) number of borrowers to CICs wherever available.

What it means for you

UCBs need to overhaul their data reporting processes to meet stricter timelines, reducing delays in credit information updates. The incremental reporting requirement reduces data load but demands accurate tracking of changes. Mandatory CKYC reporting will improve borrower identity consistency across the financial system. Non-compliance will be monitored via DAKSH portal, increasing supervisory scrutiny.

What you must do

Update internal systems to generate and submit credit data as on 9th, 16th, 23rd, and month-end reference dates.
Ensure full file (all active and closed accounts) is submitted by the 5th of the next month.
Implement processes to identify and submit only incremental accounts (new, closed, changed, overdue) within 4 calendar days for mid-month submissions.
Capture and report CKYC numbers for all borrowers to CICs, including fresh applicants.
Rectify and re-submit rejected data from CICs before the next reporting reference date.

Who it affects

Urban Co-operative Banks (UCBs), Credit Information Companies (CICs), Borrowers of UCBs, RBI's Department of Supervision

❓ Common questions

Regulatory timeline

Stated effective date Effective July 1, 2026
Decoded by BankPulse 2026-06-17 19:41 IST

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

What are the new reporting reference dates for UCBs?

UCBs must submit credit information as on the 9th, 16th, 23rd, and last day of each month. The full file (all active and closed accounts) is due by the 5th of the next month, while incremental accounts for other dates must be submitted within 4 calendar days.

What is considered an 'incremental account' for mid-month submissions?

Incremental accounts include accounts opened since the last reference date, accounts where the borrower relationship ended, accounts with changes (e.g., repayment, balance, demographic updates, guarantors), and accounts with overdue interest or principal, including changes in days past due.

When does this amendment take effect?

The amendment directions come into force from July 1, 2026. UCBs should use the interim period to align their systems and processes.

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

RBI/DOR/2025-26/114
 DoR.FIN.REC.No.321/20.16.056/2025-26
 December 04, 2025
 Reserve Bank of India (Urban Co-operative Banks – Credit Information
 Reporting) Amendment Directions, 2025
 The Reserve Bank had issued Reserve Bank of India (Urban Co-operative 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 (Urban Co-operative 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 (Urban Co-operative 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/2025-26/114 · 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

Update internal systems to generate and submit credit data as on 9th, 16th, 23rd, and month-end reference dates.

📜 Compliance

Ensure full file (all active and closed accounts) is submitted by the 5th of the next month.
Implement processes to identify and submit only incremental accounts (new, closed, changed, overdue) within 4 calendar days for mid-month submissions.
Capture and report CKYC numbers for all borrowers to CICs, including fresh applicants.
Rectify and re-submit 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 (Urban Co-operative Banks (UCBs), Credit Information Companies (CICs), Borrowers of UCBs, RBI's Department of Supervision), your first concrete step on “UCB Credit Reporting: New Timelines & CKYC Mandate” is: “Update internal systems to generate and submit credit data as on 9th, 16th, 23rd, and month-end reference dates.” (RBI issued this 04 Dec 2025).

Circular: RBI/DOR/2025-26/114 -- UCB Credit Reporting: New Timelines & CKYC Mandate
Issued: 04 Dec 2025
Action required: Update internal systems to generate and submit credit data as on 9th, 16th, 23rd, and month-end reference dates.
Action required: Ensure full file (all active and closed accounts) is submitted by the 5th of the next month.
Action required: Implement processes to identify and submit only incremental accounts (new, closed, changed, overdue) within 4 calendar days for mid-month submissions.
Action required: Capture and report CKYC numbers for all borrowers to CICs, including fresh applicants.
Action required: Rectify and re-submit rejected data from CICs before the next reporting reference date.
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=13184&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.