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RBI Tightens Credit Data Reporting for AIFIs: New Timelines & CKYC Mandate

Current · Source: Reserve Bank of India · RBI/DOR/2025-26/116 · issued 04 Dec 2025 · ~2 min read

Quick answerRBI has amended credit information reporting directions for All India Financial Institutions (AIFIs), mandating weekly data submissions (9th, 16th, 23rd, month-end) with incremental files due within 4 days, full file by 5th of next month, and CKYC number reporting. Effective July 1, 2026.

The rule, in the simplest words

AIFIs (big lenders like NABARD, SIDBI) must send credit data to CICs (credit bureaus like CIBIL) on 4 fixed dates each month: the 9th, 16th, 23rd, and last day.
For the first three dates, they only need to send data about new accounts, closed accounts, or changed accounts (called 'incremental accounts') within 4 days after each date.
For the last day of the month, they must send a full list of all active and recently closed accounts by the 5th of the next month.
AIFIs must report the CKYC number (a unique customer ID) of every borrower to CICs whenever they have it.
If CICs reject any data, AIFIs must fix and resend it before or with the next reporting date.

How it plays out — a real example

A KYC & compliance officer in Indore, Priya, now marks her calendar for the 9th, 16th, 23rd, and month-end. On the 10th, she quickly uploads only the new gold loans and repayments from the past week to CIBIL. At month-end, she sends the full list of all active loans by the 5th, making sure every borrower's CKYC number is included, so her data is always accurate and never rejected.

What changed

The amendment replaces paragraph 10(2) of the 2025 Directions, introducing a structured weekly reporting cycle: AIFIs must submit credit information as of the 9th, 16th, 23rd, and last day of each month. For the first three dates, only incremental accounts (new, closed, or changed accounts) need to be reported within 4 calendar days; the full file for month-end is due by the 5th of the next month. Additionally, a new paragraph 12(10) requires AIFIs to report the Central KYC (CKYC) number of borrowers to credit information companies (CICs) whenever available. Paragraph 14 now mandates that rejected data from CICs must be rectified and resubmitted before or along with the next reporting date.

What it means for you

AIFIs must overhaul their data management systems to handle weekly reporting cycles, moving from monthly to more frequent submissions. The incremental reporting requirement reduces data load but demands real-time tracking of account changes. The CKYC mandate will improve borrower identity consistency across the financial system. Non-compliance will be reported to RBI's Department of Supervision via the DAKSH portal semi-annually, increasing regulatory scrutiny.

What you must do

Update internal systems to generate and submit credit data as of 9th, 16th, 23rd, and month-end dates.
Implement processes to identify and report only incremental accounts (new, closed, changed) within 4 calendar days for mid-month submissions.
Ensure full-file submission (all active and recently closed accounts) by the 5th of the next month.
Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs.
Set up a mechanism to promptly rectify and resubmit any data rejected by CICs before the next reporting date.

Who it affects

All India Financial Institutions (AIFIs) like NABARD, SIDBI, NHB, EXIM Bank, etc., Credit Information Companies (CICs) like CIBIL, Equifax, Experian, CRIF High Mark, IT and compliance teams at AIFIs handling credit data reporting, Borrowers of AIFIs (indirectly, through improved credit data accuracy)

❓ 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 is the effective date for these new reporting timelines?

The directions come into force from July 1, 2026, giving AIFIs about 18 months to prepare.

What happens if an AIFI fails to meet the data submission timelines?

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

Do we need to submit full data for every weekly reference date?

No. Only the month-end reference date requires a full file. For the 9th, 16th, and 23rd, you only need to submit incremental accounts (new, closed, or changed accounts) within 4 calendar days.

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

RBI/DOR/2025-26/116
 DOR.FIN.REC.No.323/20.16.056/2025-26
 December 04, 2025
 Reserve Bank of India (All India Financial Institutions – Credit Information
 Reporting) Amendment Directions, 2025
 The Reserve Bank had issued Reserve Bank of India (All India Financial Institutions – 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 (All India Financial Institutions – 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 (All India Financial Institutions – 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 14 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/2025-26/116 · 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 of 9th, 16th, 23rd, and month-end dates.

📜 Compliance

Implement processes to identify and report only incremental accounts (new, closed, changed) within 4 calendar days for mid-month submissions.
Ensure full-file submission (all active and recently closed accounts) by the 5th of the next month.
Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs.
Set up a mechanism to promptly rectify and resubmit any data rejected by CICs before the next reporting 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 India Financial Institutions (AIFIs) like NABARD, SIDBI, NHB, EXIM Bank, etc., Credit Information Companies (CICs) like CIBIL, Equifax, Experian, CRIF High Mark, IT and compliance teams at AIFIs handling credit data reporting, Borrowers of AIFIs (indirectly, through improved credit data accuracy)), your first concrete step on “RBI Tightens Credit Data Reporting for AIFIs: New Timelines & CKYC Mandate” is: “Update internal systems to generate and submit credit data as of 9th, 16th, 23rd, and month-end dates.” (RBI issued this 04 Dec 2025).

Circular: RBI/DOR/2025-26/116 -- RBI Tightens Credit Data Reporting for AIFIs: New Timelines & CKYC Mandate
Issued: 04 Dec 2025
Action required: Update internal systems to generate and submit credit data as of 9th, 16th, 23rd, and month-end dates.
Action required: Implement processes to identify and report only incremental accounts (new, closed, changed) within 4 calendar days for mid-month submissions.
Action required: Ensure full-file submission (all active and recently closed accounts) by the 5th of the next month.
Action required: Integrate CKYC number capture into borrower onboarding and existing records, and report to CICs.
Action required: Set up a mechanism to promptly rectify and resubmit any data rejected by CICs before the next reporting date.
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.

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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=13186&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.