RBI CIMS Reporting Framework – New Rules for Internet and Mobile Banking Returns

Notification No. RBI/2025-26/77 CO.DPSS.ODD.No.S604/06-08-024/2025-2026, Dated 05.09.2025

1. Introduction

The Reserve Bank of India (RBI) has issued a notification introducing a new framework for the submission of returns related to internet and mobile banking. With effect from the August 2025 reporting period, entities will be required to comply with revised reporting procedures under the Centralised Information Management System (CIMS). This shift represents RBI’s broader push toward digitisation and efficiency in supervisory reporting.

2. Mandatory Submission of Returns

As per the notification, two key returns—Internet Banking Return (R065) and Mobile Banking Return (R102)—must be filed exclusively through the CIMS portal. These returns capture critical information on the usage, performance, and compliance aspects of internet and mobile banking channels, enabling RBI to maintain a robust oversight framework in the rapidly evolving digital payments landscape.

3. Reporting Timeline

The RBI has specified that these returns shall be submitted on a monthly basis by the 7th of the succeeding month. This timeline has been designed to ensure timely reporting and to allow regulators access to near real-time data for monitoring and policy decision-making. Adherence to the reporting schedule will be critical to avoid supervisory lapses.

4. Access Through Admin Users in CIMS

To facilitate smooth compliance, entities are required to submit the returns through Admin Users created in CIMS. Admin Users will act as authorised personnel responsible for filing accurate and complete data. This system-based approach enhances accountability and minimises manual intervention, ensuring higher accuracy in reporting and reducing operational risks.

5. Conclusion

By mandating submission of R065 and R102 through CIMS, the RBI aims to streamline data collection, improve supervisory efficiency, and enhance the monitoring of digital banking channels. These changes reflect the regulator’s commitment to strengthening the digital banking ecosystem while ensuring greater transparency and compliance by regulated entities.

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