Credit Information Reporting: due date and penalty
Also searched as: NBFC-CIC-REPORT
Submission of borrower credit information to all credit information companies twice a month — as on the 15th and as on the last day — within seven calendar days of each. Monthly, by the 10th, before 2025.
Next due date
7 November 2026for 16–31 Oct 2026
If it is late: Penalty under the CIC (Regulation) Act, plus customer disputes on credit records
Get told before Credit Information Reporting is due
We will email you a week before the next one, and before each one after that.
One email per occurrence of Credit Information Reporting, and nothing else unless you tick the box above — and your address is never sold or passed on. We send a link to confirm first, and nothing goes out until you follow it. Every message has a one-click link to stop. See the Privacy Policy.
- Due
- 7 days after the 15th and after the last day of each month (10th of the following month for periods beginning before 2025-01-01)
- Frequency
- Fortnightly
- If it lapses
- Penalty under the CIC (Regulation) Act, plus customer disputes on credit records
- Statutory reference
- S.11(1), Credit Information Companies (Regulation) Act 2005; RBI circular DoR.FIN.REC.No.32/20.16.056/2024-25 of 8 August 2024
Where this date comes from
- The instrument
- S.11(1), Credit Information Companies (Regulation) Act 2005; RBI circular DoR.FIN.REC.No.32/20.16.056/2024-25 of 8 August 2024
- The authority
- Reserve Bank of India
Mallah Software Services Private Limited has not independently verified this against the gazette. The citation above is the instrument this date is taken from, and it is exact enough for a professional to check. Inside Lawzer a company secretary or chartered accountant can record that they have checked it, against the rule as it read on the day — and that record is withdrawn automatically if the rule later changes. A date nobody has checked says so.
Who has to file it
Every one of these has to hold before Credit Information Reporting binds an entity:
- RBI-registered NBFC
- Base Layer (NBFC-BL), Middle Layer (NBFC-ML), Upper Layer (NBFC-UL) and Top Layer (NBFC-TL)
- Usually owned by:
- Accountant
- Typical effort:
- 2 hours
Common questions
- What is the due date of Credit Information Reporting?
- It is next due on 7 Nov 2026, for 16–31 Oct 2026. 7 days after the 15th and after the last day of each month (10th of the following month for periods beginning before 2025-01-01). It falls due twice a month.
- Who has to file Credit Information Reporting?
- It applies to RBI-registered NBFC and Base Layer (NBFC-BL), Middle Layer (NBFC-ML), Upper Layer (NBFC-UL) and Top Layer (NBFC-TL).
- What is the penalty for filing Credit Information Reporting late?
- Penalty under the CIC (Regulation) Act, plus customer disputes on credit records
This is the standing statutory position. The government extends deadlines often, and an extension is not reflected here until the rule is updated. Mallah Software Services Private Limited is a software company and not a firm of company secretaries or chartered accountants — nothing here is legal, tax or secretarial advice. Confirm the date with your professional before relying on it. See the Professional Disclaimer.