The Reserve Bank of India has proposed a major change in how often your credit score gets refreshed. As per the draft Credit Information Reporting (1st Amendment) Directions, 2025 released on September 29, credit information companies such as TransUnion CIBIL may have to update scores every week instead of the current fortnightly cycle.
If finalised, the new system will come into effect on April 1, 2026. Until then, banks and credit bureaus have a few months to rework their data systems.
For most borrowers, the biggest takeaway is quicker recognition of responsible credit behaviour. If you clear a big loan or wipe out your credit-card balance, that improvement may show up within a week. Lenders could then view a more up-to-date score when you apply for a fresh loan or a credit card.
Industry observers believe this may even influence interest rates and loan eligibility. A timely rise in your score could make lenders consider more favourable terms, though this will finally depend on each institution’s internal policies.
For lenders, weekly uploads mean access to fresher and more accurate borrower data. In theory, that can help them assess risk better and make faster decisions.
Under the draft norms, lenders must upload incremental information — new loans, closures, repayments and changes in asset classification — within two days of each weekly cycle. Missing deadlines may trigger penalties, which will be monitored through RBI’s regulatory portal on a half-yearly basis.
People familiar with the credit industry feel that the weekly frequency may nudge banks and credit bureaus to invest in stronger data infrastructure and processes, eventually improving the country’s credit-information network.
The RBI’s proposal signals a shift towards a more dynamic, near real-time credit ecosystem. Borrowers may see their positive actions reflected sooner, and lenders may be better placed to take timely decisions.
The real impact, however, depends on how smoothly banks, NBFCs and credit bureaus implement the new framework before April 2026. For now, maintaining healthy credit habits remains the best way to benefit when the changes roll out.
