1 November 2026 • 5 min read
Until now, lenders regulated by RBI have reported borrower data to the credit information companies (CICs, the credit bureaus) every fortnight. An RBI circular of 8 August 2024 set that rule: CICs and credit institutions "shall keep the credit information collected/maintained by them updated regularly on a fortnightly basis", or at shorter intervals agreed between the two. The fortnightly data had to reach the CIC "within seven (7) calendar days of the relevant reporting fortnight."
On 4 December 2025 RBI issued ten Amendment Directions to its Credit Information Reporting Directions, 2025. The press release explains the reason: lenders rely more and more on credit information reports (CIRs) in underwriting, so the reports "reflect more recent information". RBI therefore moved to "weekly incremental submission of credit information" with measures for faster data submission and error rectification.
For a founder or product manager the short version is this: what your borrower did last week should reach the bureau within days, not weeks.
The ten sets of directions cover commercial banks, small finance banks, local area banks, regional rural banks, urban and rural co-operative banks, all-India financial institutions, NBFCs, asset reconstruction companies and the CICs themselves. If you are a fintech that lends on a partner's balance sheet, the partner bank or NBFC is the reporting entity. You are affected through your data feed to them. If you are a registered NBFC, you report directly.
The date needs care, because the draft and the final text differ.
| Item | Draft of 29 September 2025 | Final, per law-firm summary |
|---|---|---|
| Start date | 1 April 2026 | 1 July 2026 |
| Weekly cut-off dates | 7th, 14th, 21st, 28th and last day of month | 9th, 16th, 23rd and last day of month |
| Time to send weekly data | two calendar days | not confirmed here |
| Full month-end file | by the 3rd of next month | by the 5th of next month |
The draft's figures come from RBI's draft directions. The final figures come from a K S & K newsletter dated 7 January 2026, which says the amendments are "scheduled to come into effect from July 1, 2026" and that lenders report "as on the 9th, 16th, 23rd and the last day of the month." I could not open RBI's final direction text for your lender type. Some web articles still carry the older 1 April 2026 date. Treat the final direction on rbi.org.in for your category of lender as the only authority, and confirm the cut-off dates and the submission window there.
As of 1 November 2026, the weekly schedule should already be live for regulated lenders if the July date held. If you are mid-integration, ask your partner lender what they are reporting now.
Under the draft, the 7th, 14th, 21st and 28th submissions carry only incremental records, and the month-end submission carries the full file for the last day of the month. The idea is simple: weekly files carry what changed, the monthly file resets the picture.
That puts three jobs on the lender and on any fintech that supplies its data:
Do not promise customers a score change on a fixed date. The score moves when the bureau processes the data, not when the lender sends it.
This page summarises public RBI documents and one law-firm note. Check with your compliance team or counsel before you change a reporting process.
RBI's Amendment Directions of 4 December 2025 move lenders to weekly incremental submission. A law-firm summary says they take effect on 1 July 2026, so check the final text for your lender type.
A circular of 8 August 2024 required fortnightly updates, or shorter intervals agreed with the CIC, with data sent within seven calendar days of the fortnight.
Not by itself. Lenders send fresher data; the bureau still decides when and how the score changes. Your score can only change as fast as the lender and bureau process the file.
Banks of all types, NBFCs, all-India financial institutions, asset reconstruction companies and the CICs, under ten separate sets of directions.