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The Reserve Bank of India (RBI) has issued the Small Finance Banks – Credit Information Reporting (Amendment) Directions, 2025 to strengthen reporting standards and data quality for credit information submitted by small finance banks (SFBs). The amendments revise the existing directions to ensure more frequent and structured submission of credit data to credit information companies (CICs). Under the updated framework, SFBs must report credit information as of key reference dates each month and submit full monthly data by the fifth day of the following month. Incremental updates must be furnished within four calendar days of reference dates, covering new accounts, closed relationships, changes in outstanding balances, and overdue details. The amendments also require inclusion of Central KYC (CKYC) numbers where available and ensure rejected data is rectified before subsequent submissions. These changes, effective July 1, 2026, aim to enhance the completeness, timeliness, and reliability of credit reporting across the sector.