Thirty calendar days is the overall resolution limit
Under paragraph 35 of RBI’s Commercial Banks—Credit Information Reporting Directions, 2025, updated 1 July 2026, an eligible complainant is entitled to ₹100 per calendar day for delayed resolution beyond thirty calendar days from initial filing with a credit institution or credit information company. The CI’s corrected-information stage has a 21-calendar-day framework, but an internal delay does not create an independent extra payment where the overall complaint is resolved within thirty days. The Directions’ illustrations make that distinction explicit.
This guide is checked on 25 October 2026 and addresses the commercial banks covered by these Directions: their stated definition excludes Small Finance Banks, Payment Banks and Local Area Banks. It does not assume that every lender is governed by the same bank-specific document. Examples concern eligible correction complaints with no excluded proceeding or disputed underlying facts.
Use the original filing and the actual rectified report
Record initial complaint filing, the CIC’s request to the bank, receipt by the bank, corrected-data transmission, the CIC’s completion, and dispatch of the rectified credit information report to the complainant. Paragraph 35(7) fixes resolution at sending the rectified CIR to the provided postal/email address. An internal ticket marked closed or a data file passed between institutions is not automatically that event. A follow-up email should not silently reset the original filing date.
Where more than one CI supplied inaccurate information, the complaint should be registered with the CIC, which coordinates comprehensive resolution. The framework apportions compensation among the concerned institutions; do not multiply the entire complaint-level compensation by the number of institutions. Use their actual stages and the Directions’ scenarios for allocation. The simple examples below deliberately isolate responsibility or calculate the total only.
Separate compensation eligibility, allocation and payment
The CI/CIC must advise action taken, including reasons for rejection. Provide accurate contact and account/UPI details for compensation credit; the complainant bears responsibility for incorrect details. Compensation is to reach the bank account within five working days after resolution. Calendar days determine the delayed-resolution amount, while the payment timeline uses working days. Keep those two clocks separate in the file.
The framework excludes the specified section 18 CICRA disputes, internal administration/HR/pay matters, suggestions and commercial decisions, and complaints already decided or pending before the identified other forums. A refusal to grant fresh credit or a request to improve a score is not automatically an eligible inaccurate-data correction claim. An adverse but accurately reported repayment history should not be treated as an error merely because it affects borrowing.
For wrongful denial of compensation, the Directions identify RBI Ombudsman redress and the relevant CEPC route where the institution is not yet covered by the Ombudsman scheme. Follow applicable complaint/admissibility requirements; the ₹100 formula does not establish additional damages, guaranteed loan approval or deletion of accurate data. Preserve the original report and account evidence so the precise inaccuracy and its correction can be compared.
Six worked illustrations
All facts and amounts below are fictional. Assumptions describe the model, not additional statutory rules.
Illustrative example 1: Resolution on day thirty
An eligible complaint is filed on 1 September 2026 and the rectified CIR is sent on 1 October, thirty elapsed calendar days later. Delay beyond thirty days is zero, so framework compensation is ₹0.
Illustrative example 2: One day beyond the limit
On the same filing date, the rectified report is sent on 2 October, day 31. Excess delay is one calendar day and compensation is ₹100, subject to the stated eligibility assumptions.
Illustrative example 3: Five days beyond the limit
A complaint filed on 1 September is resolved by sending the rectified CIR on 6 October, day 35. Total eligible delayed-resolution compensation is (35 − 30) × ₹100 = ₹500, not 35 × ₹100.
Illustrative example 4: An internal delay without an overall breach
Assume a bank receives the correction request on 1 September and sends its update on 24 September, 23 days later. That is two days beyond the 21-day stage, but the rectified report reaches the sending stage on 1 October, within the overall thirty days. Under the framework’s illustrated approach, there is no complaint-level delayed-resolution compensation merely for those two internal days.
Illustrative example 5: A reminder does not restart the original complaint
An initial eligible complaint is filed on 1 September; a reminder is filed on 20 September; the rectified report is sent on 6 October. From initial filing the interval is 35 days, so total compensation is ₹500. Counting only sixteen elapsed days from the reminder would improperly hide the original five-day delay.
Illustrative example 6: Five working days for payment
Assume resolution on Monday 5 October 2026, correct account details, a Monday–Friday working week and no intervening holidays. Counting from the next day, the fifth working day is Monday 12 October: 6, 7, 8, 9 and 12 October. This payment timetable is separate from the calendar-day delay computation.
Ten-step verification table
| Step | Action | Evidence |
|---|---|---|
| 1 | Identify the applicable institution | Confirm that the commercial-bank Directions and correction framework cover the complaint. |
| 2 | Specify the inaccuracy | Retain the original CIR and supporting repayment/identity/account documents. |
| 3 | Check exclusions | Identify other proceedings, commercial-decision issues and specified excluded disputes. |
| 4 | Preserve initial filing | Record the acknowledged original CI/CIC complaint and contact details. |
| 5 | Trace each institutional stage | Keep bank request receipt, correction transmission and CIC processing evidence. |
| 6 | Verify the resolution event | Obtain evidence of sending the rectified CIR to the complainant’s provided address. |
| 7 | Calculate excess calendar days | Compare total elapsed time with thirty days and independently recalculate ₹100 per excess day. |
| 8 | Allocate responsibility | Use the framework and actual stages; do not duplicate the total across institutions. |
| 9 | Verify compensation payment | Retain correct account/UPI details and the five-working-day calendar. |
| 10 | Close or escalate | Reconcile the corrected report and credit, preserve rejection reasons, and use the applicable redress route if necessary. |
Sixteen practitioner FAQs
1. Is every credit-score complaint automatically eligible?
No. Establish a covered correction complaint and screen the specified exclusions.
2. What starts the overall thirty days?
Initial filing with the CI or CIC, supported by the acknowledged record.
3. Does a reminder create a fresh start date?
It should not silently replace the original complaint date.
4. Are these thirty working days?
No. The resolution framework uses calendar days.
5. Is compensation ₹100 for every day from filing?
No. The formula concerns delay beyond the overall thirty-calendar-day period.
6. Does an internal ticket closure establish resolution?
Not by itself. Verify the sending of the rectified CIR to the provided address.
7. Does sending corrected data to another institution necessarily finish the complaint?
No. Track the complete resolution event specified in paragraph 35(7).
8. What is the CI’s correction-transmission period?
The framework specifies 21 calendar days from being informed of the inaccuracy, within the overall process.
9. Does a 21-day-stage breach always produce compensation even if resolution is within thirty days?
The Directions’ illustrations show no complaint-level compensation where the overall thirty-day limit is met.
10. Who coordinates inaccurate data from several CIs?
The complaint should be registered with the CIC for comprehensive coordination.
11. Can the full amount be claimed repeatedly from each institution?
Do not multiply the same complaint-level total; allocate under the framework and actual responsibility.
12. When must compensation be credited?
Within five working days of resolution, on the framework’s stated conditions.
13. Who supplies accurate account and contact details?
The complainant, using the complaint format’s relevant facilities.
14. Is a lending decision itself a correction error?
Not automatically. Commercial decisions are among the specified exclusions from this compensation framework.
15. Does the framework apply while the complaint is pending in a court or identified other forum?
The Directions specify an exclusion for complaints already decided or pending in the stated other forums.
16. What if compensation is wrongfully denied?
Use the identified RBI Ombudsman or applicable CEPC route, subject to its governing process and admissibility requirements.
Conclusion
Calculate eligible credit-information correction delay compensation from the original complaint, verify when the rectified report was sent and track payment separately.