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The Reserve Bank of India (RBI) has issued the Commercial Banks – Credit Information Reporting (Amendment) Directions, 2025, updating credit data submission norms for commercial banks to enhance the quality, completeness, and timeliness of credit information shared with credit information companies (CICs).

Under the amended framework, banks must report credit data as of the 9th, 16th, 23rd, and last day of each month, with full monthly files due by the 5th day of the following month. Incremental updates—including new accounts, closures, changes in balances, and overdue information—must be submitted within four calendar days of each reference date.

The directions also require inclusion of borrowers’ Central KYC (CKYC) numbers where available and mandate correction of rejected data before subsequent submissions. These changes, effective July 1, 2026, aim to support robust credit risk assessment and improve overall data reliability in the financial sector.