Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025

Act Name/Rule Name: Reserve Bank of India Act, 1934

Type of Document: Master Direction

Date: January 6, 2025

Circular No./Notification No.: RBI/DoR/2024-25/125 | DoR.FIN.REC.No.55/20.16.056/2024-25

The Reserve Bank of India (RBI) has consolidated all instructions and directives issued to regulated entities (REs) concerning credit information reporting into a single document titled Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025.

These Directions apply to:

  • All Commercial Banks (including Small Finance Banks, Local Area Banks, and Regional Rural Banks, but excluding Payment Banks)
  • All Primary (Urban) Co-operative Banks, State Co-operative Banks, and Central Co-operative Banks
  • All India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI, NaBFID)
  • Non-Banking Financial Companies (NBFCs), including Housing Finance Companies
  • Asset Reconstruction Companies
  • Credit Information Companies

The Directions are issued under the authority granted by Section 11 of the Credit Information Companies (Regulation) Act, 2005.

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