We at Finakon track the regulatory changes. We also use AI to create a summary. We are providing a quick overview of the RBI circulars on a weekly basis on our website. The summary is neither exhaustive nor comprehensive. For accurate information, users shall refer to the original circular of the regulator. Finakon shall not be responsible for inferences drawn based on the summary provided.
RBI Tightens Credit Reporting Norms for Small Finance Banks: Key Amendments Effective July 2026
The Reserve Bank of India has issued the Small Finance Banks, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13181
RBI Strengthens Credit Information Reporting for Local Area Banks
The Reserve Bank of India has issued the Local Area Banks, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13182
RBI Revises Credit Reporting Norms for Regional Rural Banks
The Reserve Bank of India has issued the Regional Rural Banks, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13183
Updated RBI Credit Reporting Directions for Urban Co-operative Banks
The Reserve Bank of India has issued the Urban Co-operative Banks, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13184
RBI Introduces Enhanced Credit Reporting Requirements for Rural Co-operative Banks
The Reserve Bank of India has issued the Rural Co-operative Banks, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13185
New RBI Credit Information Reporting Norms for All India Financial Institutions (Effective July 2026)
The Reserve Bank of India has issued the All India Financial Institutions, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13186
Key RBI Amendments to Credit Reporting Rules for Non-Banking Financial Companies
The Reserve Bank of India has issued the Non-Banking Financial Companies, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13187
RBI Strengthens Credit Information Reporting for Asset Reconstruction Companies
The Reserve Bank of India has issued the Asset Reconstruction Companies, Credit Information Reporting (Amendment) Directions, 2025 to strengthen the credit reporting framework following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will be effective from July 1, 2026.
The key changes introduce more frequent and structured credit data reporting to Credit Information Companies, including defined reference dates, monthly full-file submissions, and clear norms for incremental reporting. The amendments also mandate reporting of borrowers’ CKYC numbers wherever available, timely correction and resubmission of rejected data, and enhanced supervisory monitoring through half-yearly reporting on the RBI’s DAKSH portal.
These measures reinforce RBI’s focus on strengthening the quality, consistency, and reliability of credit information, supporting a more transparent and resilient financial system.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13188
RBI Tightens Credit Reporting and Data Quality Norms for CICs
The Reserve Bank of India (RBI) has issued the Credit Information Companies (Amendment) Directions, 2025 to strengthen the credit information reporting framework, following a review of existing norms. Issued under the Credit Information Companies (Regulation) Act, 2005, the amendments will take effect from July 1, 2026.
The directions introduce tighter and more structured reporting timelines, including defined monthly reference dates, mandatory full-file submissions, and clear incremental reporting requirements. They also mandate uniform data validation rules, rejection parameters, online maintenance formats, and encryption standards across Credit Information Companies (CICs) to improve data consistency and reduce rejections.
Further, the amendments enhance data quality oversight through file-level and institution-level Data Quality Index (DQI) reporting, faster ingestion and rejection timelines, and half-yearly reporting of non-compliance to the RBI via the DAKSH portal. Collectively, these measures aim to improve the accuracy, timeliness, and reliability of credit information across the ecosystem.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13189
RBI Issues Revised Regulatory Framework for Urban Co-operative Banks
The Reserve Bank of India (RBI), on December 4, 2025, repealed the Urban Co-operative Banks – Licensing, Scheduling and Regulatory Classification Guidelines issued on November 28, 2025, and replaced them with a revised set of guidelines issued on the same date.
The RBI has clarified that the repeal does not impact any actions, approvals, rights, obligations, liabilities, penalties, or legal proceedings arising under the earlier guidelines, all of which will continue to remain valid and enforceable.
This ensures regulatory continuity and clarity for Urban Co-operative Banks.
https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=13191
