RBI issued Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025.
These Directions shall come into force with immediate effect, unless otherwise specified.
The provisions of these Directions shall be applicable to credit institutions (CIs) and credit information companies (CICs).
“Credit Information Companies (CICs)” means companies that have been granted a certificate of registration under section 5 of the CICRA. The CICs registered with RBI under Section 5 of the CICRA.
“Credit Institutions (CIs)” means the following institutions:
Banks –
All Commercial Banks (including Small Finance Banks, Local Area Banks and Rural Banks, and excluding Payment Banks)
All Primary (Urban) Co-operative Banks, State Co-operative Banks and Central Co-operative Banks
All India Financial Institutions (AIFIs) regulated by the Reserve Bank, viz.,
Export Import Bank of India (EXIM Bank)
National Bank for Agriculture and Rural Development (NABARD)
National Housing Bank (NHB)
6 D. Small Industries Development Bank of India (SIDBI) and
National Bank for Financing Infrastructure and Development (NaBFID)
(iii) All Non-Banking Financial Companies (including Housing Finance Companies)
All Asset Reconstruction Companies (ARCs)
Link – https://rbidocs.rbi.org.in/rdocs/notification/PDFs/125MD0601257105ED8375BB487AAA4C45F3B88AD0C5.PDF
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