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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

RBI issues RBI (Urban Cooperative Banks - Credit Information Reporting) Amendment Directions, 2025

04-Dec-2025 | RBI/DOR/2025-26/114 DoR.FIN.REC.No. 321/20.16.056/2025-26

RBI has issued RBI (Urban Cooperative Banks - Credit Information Reporting) Amendment Directions, 2025 effective from 01st July 2026.

Key Highlights:
1. Credit Institutions (CIs) must now submit credit information to Credit Information Companies (CICs) on 4 reference dates each month: the 9th, 16th, 23rd, and the last day of the month.
2. A full credit information file, covering all active and recently closed accounts, must be submitted as of the last day of each month by the 5th of the following month.
3. For the other three reference dates (9th, 16th, 23rd), CIs only need to submit incremental account updates such as newly opened accounts, closed accounts, changes due to customer actions, and accounts with overdue interest or instalments.
4. Any change in days past due (DPD), even if it is the only change, must also be reported as part of incremental updates.
5. CICs must report banks that miss reporting deadlines to RBI via the DAKSH portal every 6 months.
6. CIs must now report CKYC numbers of borrowers to CICs whenever available or when a new CKYC number is issued.
7. If CICs reject any submitted data, CIs must correct and resubmit it before or along with the next scheduled data submission.


For more information, please refer to the attached document.

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