Reporting Format Guide Version 2.2
Uploaded by
arghyadeepReporting Format Guide Version 2.2
Uploaded by
arghyadeepDocument
Reporting Format Guide
Version
2.2
Year
2012
Reporting Format Guide
Version 2.1
Version Control Chart
Version
Date
Remarks
1.0
2006 to 2009
Fixed width multiple data files reporting format (Refer section 1.2 for details)
2.0
March 2011
XML reporting format prepared under Project FINnet
2.1
December 2011
Changes in following sections due to implementation of digital signature in the
Report Validation Utility.
Report Validation Utility (section 5.2)
FINnet Gateway Portal (section 6.1)
Submission of Reports (section 6.2)
FAQs (section 6.5)
element Batch/Report/Transaction (section 12.1.8)
2.2
November 2012
Changes due to:
Modification in the report handling process and batch status definitions
in the the FINnet Gateway (section 6.2, 6.5.4, 6.5.8, 8.1)
ProductType is not mandatory in the data structure of Transaction File
(ARFTRN.txt) (section 11.2.5)
Field Product Transaction, Transaction Type is not mandatory (section
11.1.20)
Preliminary Rule Validation for month and year of report (section 11.3.3)
Inserted row for Reporting role in the data structure of Branch file
(TRFBRC.txt) (section 12.2.3)
Addition of 4 countries and 2 currencies in Annexure F and G
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Contents
1
Background .......................................................................................................................1
1.1
About FIU-IND .................................................................................................................1
1.2
Earlier reporting formats ..................................................................................................1
1.3
Project FINnet ..................................................................................................................1
1.4
Need for modifications in reporting format .......................................................................1
About this Document ........................................................................................................2
2.1
Version Information..........................................................................................................2
2.1.1
Changes in this version ................................................................................................... 2
2.1.2
Document version naming convention ............................................................................. 2
Reporting formats .............................................................................................................3
3.1
Reports prescribed under PMLA .....................................................................................3
3.2
Types of reporting formats ...............................................................................................3
3.3
Mapping of report type to reporting format.......................................................................3
3.4
Frequently Asked Questions (FAQs) ...............................................................................3
3.4.1
What was the need to modify reporting format? .............................................................. 3
3.4.2
What are the reports prescribed under PMLA? ................................................................ 4
3.4.3
What are the types of reporting formats? ......................................................................... 4
3.4.4
What are the changes in reporting formats from version 1.0 to 2.0? ................................ 4
3.4.5
Which reporting format should be used for submitting CTR, STR and NTR? ................... 4
3.4.6
Which reporting format should be used for submitting CCR? .......................................... 4
3.4.7
Whether both CTR and STR have a common format? .................................................... 4
3.4.8
Whether CTR and STR can be submitted in the same batch? ......................................... 4
Reporting format specifications ......................................................................................5
4.1
XML format specifications................................................................................................5
4.1.1
Overview of XML ............................................................................................................. 5
4.1.2
Overview of XML Schema Definition Files ....................................................................... 5
4.1.3
Schema Documentation .................................................................................................. 6
4.2
Fixed width text files format specifications .......................................................................6
4.2.1
ARF (Account based) text files ........................................................................................ 7
4.2.2
TRF (transaction based) text files .................................................................................... 8
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
4.2.3
Version 2.1
CRF (counterfeit currency based) text files ...................................................................... 9
4.3
Manual reporting formats .................................................................................................9
4.4
Frequently Asked Questions (FAQs) .............................................................................10
4.4.1
What is XML? ................................................................................................................ 10
4.4.2
What is XSD? ................................................................................................................ 10
4.4.3
What is fixed width text files version 2.0? ...................................................................... 10
4.4.4
What are the common requirements of fixed width text files version 2.0? ...................... 10
4.4.5
How many data files are required in ARF (Account based) text files? ............................ 10
4.4.6
How many data files are required in TRF (Transaction based) text files? ...................... 10
4.4.7
How many data files are required in CRF (counterfeit currency based) text files? ......... 10
4.4.8
What are the steps in preparation of text files? .............................................................. 10
Preparation of reports ....................................................................................................11
5.1
Report Generation Utility ...............................................................................................11
5.1.1
Generation of XML reports from ARF (account based) text files (v 2.0) ......................... 11
5.1.2
Generation of XML reports from TRF (transaction based) text files (v 2.0) .................... 13
5.1.3
Generation of XML reports from CRF (counterfeit currency based) text files (v 2.0) ...... 14
5.1.4
Generation of XML reports from text files (v 1.0) ........................................................... 15
5.2
Report Validation Utility .................................................................................................16
5.3
Editable pdf based Utility ...............................................................................................16
5.4
Frequently Asked Questions (FAQs) .............................................................................17
5.4.1
What is Report Generation Utility? ................................................................................ 17
5.4.2
What is Report Validation Utility? .................................................................................. 17
5.4.3
What are the rules for generation of XML reports from variants of text files (v 1.0)? ...... 17
5.4.4
What are the prerequisites for generation of XML from text files? .................................. 17
5.4.5
What are the key validation rules for text files? .............................................................. 17
5.4.6
What are the XML generation rules for text files? .......................................................... 17
5.4.7
What codes can be used in element BranchRefNum to identify branches? ................... 17
Submission of Reports to FIU-IND ................................................................................18
6.1
FINnet Gateway Portal ..................................................................................................18
6.2
Submission of reports over the FINnet Gateway ...........................................................18
6.3
Submission of reports on CDs .......................................................................................19
6.4
Submission of reports by other means ..........................................................................19
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
6.5
Version 2.1
Frequently Asked Questions (FAQs) .............................................................................20
6.5.1
What is FINnet Gateway Portal? ................................................................................... 20
6.5.2
How can reports be submitted over the FINnet Gateway? ............................................. 20
6.5.3
What are the different modes of report submission? ...................................................... 20
6.5.4
What is the procedure for submitting reports using digital signature? ............................ 20
6.5.5
What is the procedure for submitting reports without using digital signature? ................ 20
6.5.6
What is batch number? ................................................................................................. 20
6.5.7
What is batch ID? .......................................................................................................... 20
6.5.8
What is batch status? .................................................................................................... 21
6.5.9
Can reports be submitted on CDs? ............................................................................... 21
6.5.10
Can reports be submitted in manual reporting formats? ................................................ 21
Data Quality Validation ...................................................................................................22
7.1
Types of validation .........................................................................................................22
7.2
Types of Errors ..............................................................................................................22
7.3
Validation Error Matrix ...................................................................................................22
7.4
XML Schema Validation (XSV) ......................................................................................23
7.5
Preliminary Rule Validation (PRV) .................................................................................23
7.6
Advanced Rule Validation (ARV) ...................................................................................24
7.7
Data Quality Rating........................................................................................................25
7.8
Data Quality Report .......................................................................................................25
7.9
Resolution of errors .......................................................................................................25
7.10
Frequently Asked Questions (FAQs) ..........................................................................25
7.10.1
What are the types of data quality validation? ............................................................... 25
7.10.2
What are the types of errors checked during data quality validation? ............................ 26
7.10.3
What is XML Schema Validation (XSV)? ....................................................................... 26
7.10.4
What is Preliminary Rule Validation (PRV)? .................................................................. 26
7.10.5
What is Advanced Rule Validation (ARV)? .................................................................... 26
7.10.6
What is Data Quality Rating? ........................................................................................ 26
7.10.7
What is Data Quality Report? ........................................................................................ 26
7.10.8
How should Reporting Entities resolve errors? .............................................................. 26
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Modification of earlier submitted report .......................................................................27
8.1
Rejection of reports........................................................................................................27
8.2
Resubmission of rejected report ....................................................................................27
8.3
Submission of additional information .............................................................................28
8.4
Modification of an incorrect report .................................................................................28
8.5
Deletion of an incorrect report .......................................................................................28
8.6
Relevant Reporting Format Specifications.....................................................................28
8.6.1
Batch Details ................................................................................................................. 28
8.6.2
Report details ................................................................................................................ 30
8.7
Frequently Asked Questions (FAQs) .............................................................................30
8.7.1
How can uploaded reports be viewed? .......................................................................... 30
8.7.2
When do reports get rejected? ...................................................................................... 30
8.7.3
How can rejected reports be viewed? ............................................................................ 30
8.7.4
How can an incorrect report be modified? ..................................................................... 30
8.7.5
How can the rejected reports be segregated for resubmission? .................................... 30
8.7.6
How can an incorrect report be deleted? ....................................................................... 30
Submission of additional information related to submitted report ............................31
9.1
Request based submission of additional information .....................................................31
9.2
Request based submission of additional documents .....................................................31
9.3
Suo moto submission of additional documents ..............................................................31
9.4
Frequently Asked Questions (FAQs) .............................................................................31
9.4.1
When should additional information related to previous report be submitted? ............... 31
9.4.2
What is request based submission of additional information? ........................................ 31
9.4.3
What is request based submission of additional documents? ........................................ 32
9.4.4
What is suo moto submission of additional documents? ................................................ 32
10
List of additional documents and files..........................................................................33
11
Annexure A - Account based Reporting format (ARF) ................................................34
11.1
Annexure A.1 Schema Documentation for AccountBasedReport.xsd .....................34
11.1.1
element Batch ............................................................................................................... 34
11.1.2
element Batch/BatchHeader.......................................................................................... 36
11.1.3
element Batch/ReportingEntity ...................................................................................... 38
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
11.1.4
element Batch/PrincipalOfficer ...................................................................................... 41
11.1.5
element Batch/BatchDetails .......................................................................................... 43
11.1.6
element Batch/Report.................................................................................................... 47
11.1.7
element Batch/Report/SuspicionDetails......................................................................... 48
11.1.8
element Batch/Report/Account ...................................................................................... 54
11.1.9
element Batch/Report/Account/AccountDetails ............................................................. 56
11.1.10
element Batch/Report/Account/Branch .......................................................................... 61
11.1.11
element Batch/Report/Account/Branch/BranchDetails ................................................... 63
11.1.12
element Batch/Report/Account/Branch/BranchDetails/BranchAddress .......................... 64
11.1.13
element Batch/Report/Account/Branch/BranchDetails/BranchPhone ............................ 64
11.1.14
element Batch/Report/Account/PersonDetails ............................................................... 64
11.1.15
element Batch/Report/Account/PersonDetails/CommunicationAddress......................... 67
11.1.16
element Batch/Report/Account/PersonDetails/Phone .................................................... 67
11.1.17
element Batch/Report/Account/PersonDetails/Individual ............................................... 68
11.1.18
element Batch/Report/Account/PersonDetails/LegalPerson .......................................... 70
11.1.19
element Batch/Report/Account/Transaction .................................................................. 72
11.1.20
element Batch/Report/Account/Transaction/ProductTransaction ................................... 75
11.2
Annexure A.2 ARF Data Structure Version 2.0 .......................................................79
11.2.1
Data structure of Batch File (ARFBAT.txt) ..................................................................... 79
11.2.2
Data structure of Report File (ARFRPT.txt) ................................................................... 80
11.2.3
Data structure of Branch File (ARFBRC.txt) .................................................................. 81
11.2.4
Data structure of Account File (ARFACC.txt) ................................................................. 82
11.2.5
Data structure of Transaction File (ARFTRN.txt) ........................................................... 83
11.2.6
Data structure of Individual Data File (ARFINP.txt) ........................................................ 84
11.2.7
Data structure of Legal Person/Entity Data File (ARFLPE.txt) ....................................... 85
11.3
Annexure A.3 Validation Rules ................................................................................86
11.3.1
Validation of Enumerations............................................................................................ 86
11.3.2
Mandatory Validation Rule Matrix .................................................................................. 88
11.3.3
Other rules for Preliminary Rule Validation (PRV) ......................................................... 90
11.3.4
Sample Rules for Advanced Rule Validation (ARV) ....................................................... 93
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
12
Version 2.1
Annexure B Transaction based Reporting format (TRF) ..........................................94
12.1
Annexure B.1 - Schema Documentation for TransactionBasedReport.xsd ................94
12.1.1
element Batch ............................................................................................................... 94
12.1.2
element Batch/BatchHeader.......................................................................................... 94
12.1.3
element Batch/ReportingEntity ...................................................................................... 94
12.1.4
element Batch/PrincipalOfficer ...................................................................................... 94
12.1.5
element Batch/BatchDetails .......................................................................................... 94
12.1.6
element Batch/Report.................................................................................................... 95
12.1.7
element Batch/Report/SuspicionDetails......................................................................... 96
12.1.8
element Batch/Report/Transaction ...............................................................................102
12.1.9
element Batch/Report/Transaction/CustomerDetails ....................................................108
12.1.10
element Batch/Report/Transaction/CustomerDetails/CustomerAddress .......................110
12.1.11
element Batch/Report/Transaction/CustomerDetails/Phone .........................................111
12.1.12
element Batch/Report/Branch ......................................................................................111
12.1.13
element Batch/Report/Branch/Address.........................................................................113
12.1.14
element Batch/Report/Branch/Phone ...........................................................................113
12.1.15
element Batch/Report/PaymentInstrument ...................................................................114
12.1.16
element Batch/Report/RelatedPersons.........................................................................116
12.1.17
element Batch/Report/RelatedPersons/CommunicationAddress ..................................118
12.1.18
element Batch/Report/RelatedPersons/Phone .............................................................118
12.1.19
element Batch/Report/RelatedPersons/Individual .........................................................119
12.1.20
element Batch/Report/RelatedPersons/LegalPerson ....................................................122
12.2
Annexure B.2 - TRF Data Structure Version 2.0 ......................................................124
12.2.1
Data structure of Batch File (TRFBAT.txt) ....................................................................124
12.2.2
Data structure of Report File (TRFRPT.txt) ..................................................................126
12.2.3
Data structure of Branch File (TRFBRC.txt)..................................................................127
12.2.4
Data structure of Transaction File (TRFTRN.txt) ..........................................................128
12.2.5
Data structure of Payment Instrument File (TRFPIN.txt) ...............................................130
12.2.6
Data structure of Individual Person File (TRFINP.txt) ...................................................131
12.2.7
Data structure of Legal Person Entity File (TRFLPE.txt) ...............................................132
12.3
12.3.1
Annexure B.3 Validation Rule Matrix ......................................................................134
Validation of Enumerations...........................................................................................134
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
13
12.3.2
Mandatory Validation Rule Matrix .................................................................................136
12.3.3
Other rules for Preliminary Rule Validation (PRV) ........................................................138
12.3.4
Sample Rules for Advanced Rule Validation (ARV) ......................................................139
Annexure C - Counterfeit Currency Reporting format (CRF) ....................................140
13.1
Annexure C.1 - Schema Documentation for CCRBasedReport.xsd .........................140
13.1.1
element Batch ..............................................................................................................140
13.1.2
element Batch/BatchHeader.........................................................................................140
13.1.3
element Batch/ReportingEntity .....................................................................................140
13.1.4
element Batch/PrincipalOfficer .....................................................................................140
13.1.5
element Batch/BatchDetails .........................................................................................140
13.1.6
element Batch/Report...................................................................................................140
13.1.7
element Batch/Report/Branch ......................................................................................142
13.1.8
element Batch/Report/Branch/BranchDetails................................................................142
13.1.9
element Batch/Report/Branch/BranchDetails/BranchAddress ......................................142
13.1.10
element Batch/Report/Branch/BranchDetails/BranchPhone .........................................142
13.1.11
element Batch/Report/ReportSummary ........................................................................143
13.1.12
element Batch/Report/TransactionDetails ....................................................................146
13.2
Annexure C.2 - CRF Data Structure Version 2.0 ......................................................147
13.2.1
Data structure of Batch File (CRFBAT.txt) ....................................................................147
13.2.2
Data structure of Report File (CRFRPT.txt) ..................................................................148
13.2.3
Data structure of Branch File (CRFBRC.txt) .................................................................149
13.2.4
Data structure of Transaction File (CRFTRN.txt) ..........................................................150
13.3
14
Version 2.1
Annexure C.3 Validation Rules...............................................................................151
13.3.1
Validation of Enumerations...........................................................................................151
13.3.2
Mandatory Validation Rule Matrix .................................................................................152
13.3.3
Other rules for Preliminary Rule Validation (PRV) ........................................................153
13.3.4
Sample Rules for Advanced Rule Validation (ARV) ......................................................154
Annexure D Data Quality Report (DQR) ...................................................................155
14.1
Annexure D.1 - Schema Documentation for DataQualityReport.xsd ........................155
14.1.1
element DataQualityReport ..........................................................................................155
14.1.2
element DataQualityReport/BatchHeader.....................................................................156
14.1.3
element DataQualityReport/ReportingEntity .................................................................156
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
14.1.4
element DataQualityReport/PrincipalOfficer .................................................................156
14.1.5
element DataQualityReport/BatchDetails .....................................................................156
14.1.6
element DataQualityReport/AckSummary ....................................................................157
14.1.7
element DataQualityReport/AckSummary/FatalErrorCount ..........................................159
14.1.8
element DataQualityReport/AckSummary/NonFatalErrorCount ....................................160
14.1.9
element DataQualityReport/AckSummary/FatalPreliminaryCount ................................161
14.1.10
element DataQualityReport/AckSummary/NonFatalPreliminaryCount ..........................162
14.1.11
element DataQualityReport/AckSummary/FatalAdvancedCount ..................................163
14.1.12
element DataQualityReport/AckSummary/NonFatalAdvancedCount ............................164
14.1.13
element DataQualityReport/PreliminaryValidation ........................................................165
14.1.14
element DataQualityReport/PreliminaryValidation/BatchLevelErrors ............................166
14.1.15
element DataQualityReport/PreliminaryValidation/ReportLevelErrors ..........................167
14.1.16
element DataQualityReport/PreliminaryValidation/ReportLevelErrors/ReportError .......168
14.1.17
element DataQualityReport/AdvancedValidation ..........................................................168
14.1.18
element DataQualityReport/AdvancedValidation/BatchLevelErrors ..............................169
14.1.19
element DataQualityReport/AdvancedValidation/ReportLevelErrors ............................169
15
Annexure E - State Codes ............................................................................................170
16
Annexure F - Country Codes (ISO 3166) .....................................................................171
17
Annexure G - Currency Codes (ISO 4127) ..................................................................178
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Background
The Prevention of Money laundering Act, 2002 (PMLA) and the Rules there under requires every reporting entity
(banking company, financial institution and intermediaries) to furnish prescribed reports to FIU-IND.
1.1
About FIU-IND
The Government of India has set up Financial Intelligence Unit India (hereinafter called FIU-IND) to coordinate
and strengthen collection and sharing of financial intelligence through an effective national, regional and global
network to combat money laundering and related crimes. FIU-IND is the national agency responsible for receiving,
processing, analyzing financial transactions and disseminating information related to suspect transactions to
various national intelligence/enforcement agencies.
1.2
Earlier reporting formats
Since 2006, the regulators and FIU-IND had worked together to prescribe electronic reporting formats for various
sectors as under:
Document
Version
Prescribed by
CTR, STR formats for Banking Companies
1.0
RBI on 15.02.2006
CTR, STR formats for Intermediaries
1.0
SEBI on 20.03.2006
CTR, STR formats for Insurance companies
1.0
IRDA on 31.03.2006
CTR, STR formats for Casinos
1.0
Goa Government on 24.12.2009
CCR format
1.0
RBI on 22.05.2008
CTR, STR formats for Authorised Persons
1.0
RBI on 27.11.2009
CTR, STR formats for Payment System Operators
1.0
RBI on 22.12.2009
1.3
Project FINnet
Financial Intelligence Unit India (FIU-IND) initiated project FINnet (Financial Intelligence Network) in 2007 with the
objective to Adopt industry best practices and appropriate technology to collect, analyze and disseminate valuable
financial information for combating money laundering and related crimes. Key objectives of Project FINnet are to
build efficient system for collection of data; reduce the lead time in processing the data; build capacity to effectively
analyze large number of reports and produce quality intelligence.
1.4
Need for modifications in reporting format
With the implementation of Project FINnet (Financial Intelligence Network) by FIU-IND in 2010, the earlier fixed
width multiple data files reporting format is replaced by a new single XML file format. The earlier specified reporting
formats are being modified to:
Move to XML based format which has become the default for most reporting systems
Consolidate reporting formats to reduce number of formats
Support effective report management
Support effective data quality validation and feedback
Resolve reporting format related issues raised by various reporting entities
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
About this Document
The reporting format guide provides reporting entities with the specifications of prescribed reports required to be
submitted to the Financial Intelligence Unit India (FIU-IND). This document presents details of the XML schema
and provides implementation guidance to the reporting entities in preparation and submission of reports.
Section 3 provides an overview of the reports prescribed under PMLA and reporting formats to be used by the
reporting entities for submission of reports to FIU-IND. Section 4 gives an overview of XML format and fixed width
text file format specifications. The detailed reporting format specifications are given in the Annexure.
Section 5 contains information related to preparation of prescribed reports by the reporting entities and the Report
Generation Utility, Report Validation Utility and Editable pdf based Utility developed by FIU-IND. Section 6 provides
information related to submission of reports to FIU-IND and gives an overview of the FINnet Gateway Portal which
has been developed as a comprehensive interface for the reporting entities.
Section 7 explains the data quality validation approach adopted by FIU-IND covering the XML Schema validation,
rule based validation, types of errors and Data Quality Report. Section 8 contains information about modification of
earlier submitted report. Issues related to submission of additional information or documents related to a previously
submitted report are covered in section 9.
Section 10 lists out other document and files containing additional information related to submission of report.
Annexure to this guide contain detailed reporting format specifications.
2.1
Version Information
The current version of Reporting Format Guide is 2.1
2.1.1
Changes in this version
In this version, the changes with respect to process of securing XML file using digital signature and submission of
reports through FINnet Gateway portal are incorporated.
In version 2.0, the reporting formats were changed from the fixed width multiple data file format to a new single
XML file format. XML is versatile and has a powerful syntax to represent data in a sufficiently neutral way for all
applications to handle. A few data elements were added, along with marginal modifications to the existing data
elements from the existing reporting format version 1.0.
2.1.2
Document version naming convention
The version of the document is specified as X.Y and version changes are defined as under:
Version Element
Change denoted
Remarks
Change in reporting format
The reporting format version 2.0 indicates that the
reporting format has changed from the earlier version 1.0
Change in instructions for filling
the report
The changes in instructions in how to fill the report are
communicated in version 2.1 and so on
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Reporting formats
This section describes the types of reports under PMLA and provides an overview of reporting formats to be used
by the reporting entities for submission of reports to FIU-IND.
3.1
Reports prescribed under PMLA
The Prevention of Money laundering Act, 2002 and the Rules there under requires every reporting entity (banking
company, financial institution and intermediaries) to furnish the following reports:
Cash Transaction reports (CTRs)
Suspicious Transaction Reports (STRs)
Counterfeit Currency Reports (CCRs)
Non Profit Organisation Transaction reports (NTRs)
3.2
Types of reporting formats
The reporting formats specified in this reporting format guide are:
Account based reporting format (ARF) for reporting of account based CTRs, STRs and NTRs
Transactions based reporting format (TRF) for reporting of transaction based CTRs, STRs and NTRs
CCR reporting format (CRF) for reporting of counterfeit currency reports (CCRs)
These reporting formats will replace all the earlier prescribed reporting formats.
3.3
Mapping of report type to reporting format
The applicable reporting format will depend on the type of transactions that are being reported. The mapping of
prescribed reports to the reporting formats is as under:
Report Type
Applicable Reporting Format
Cash transaction Report (CTR)
Suspicious transaction Report (STR)
Non Profit Organisation Transaction
Report (NTR)
Counterfeit Currency Report (CCR)
3.4
3.4.1
Account based reporting format (ARF) for Account based
transactions
Transaction based reporting format (TRF) for other Transactions
(Transactions without account based relationship with the
customer. E.g. money transfer service, money exchange )
CCR reporting format (CRF)
Frequently Asked Questions (FAQs)
What was the need to modify reporting format?
With the implementation of Project FINnet (Financial Intelligence Network) by FIU-IND in 2010, the earlier fixed
width multiple data files reporting format is replaced by a new single XML file format. The earlier specified reporting
formats are being modified to:
Move to XML based format which has become the default for most reporting systems
Consolidate reporting formats to reduce number of formats
Support effective report management
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Support effective data quality validation and feedback
Resolve reporting format related issues raised by various reporting entities
3.4.2
What are the reports prescribed under PMLA?
The Prevention of Money laundering Act, 2002 and the Rules there under requires every reporting entity (banking
company, financial institution and intermediaries) to furnish the following reports:
Cash Transaction reports (CTRs)
Suspicious Transaction Reports (STRs)
Counterfeit Currency Reports (CCRs)
Non Profit Organisation Transaction reports (NTRs)
3.4.3
What are the types of reporting formats?
The reporting formats specified in the reporting format guide are:
Account based reporting format (ARF) for reporting of account based CTRs, STRs and NTRs
Transactions based reporting format (TRF) for reporting of transaction based CTRs, STRs and NTRs
CCR reporting format (CRF) for reporting of counterfeit currency reports (CCRs)
3.4.4
What are the changes in reporting formats from version 1.0 to 2.0?
In this version, the reporting formats have changed from the fixed width multiple data file format to a new single
XML file format. XML is versatile and has a powerful syntax to represent data in a sufficiently neutral way for all
applications to handle. A few data elements have been added, along with marginal modifications to the existing
data elements from the existing reporting format version 1.0.
3.4.5
Which reporting format should be used for submitting CTR, STR and NTR?
If the reporting entity has account-based relationship, they should use account based reporting format (ARF) for
submitting CTR, STR and NTR. Transaction based reporting format (TRF) can be used for transactions without
account based relationship with the customer. E.g. money transfer service, money exchange.
3.4.6
Which reporting format should be used for submitting CCR?
Counterfeit currency reporting format (CRF) should be used for submitting CCR.
3.4.7
Whether both CTR and STR have a common format?
Yes. CTR and STR have a common format and certain elements related to suspicion are not required to be
reported in CTR. Refer section 4.3 of Reporting Format Guide for details.
3.4.8
Whether CTR and STR can be submitted in the same batch?
No. One batch can contain only one prescribed type of report.
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
Reporting format specifications
This section and the annexure describe the detailed format specifications of the prescribed reports required to be
submitted to FIU-IND. The reporting format specifications are prescribed as XML format specifications and manual
reporting formats. In addition, fixed width text file format specifications specified earlier are also revised as version
2.0 to assist reporting entities in migration to the XML format specifications.
4.1
XML format specifications
The XML format specifications are the prescribed specifications to be used by the reporting entities for submission
of reports to FIU-IND. The XML schema is published as a separate file with .XSD extension. The details of XML
format specification is given in Annexure to this document. The base version of the XML format specifications is 2.0
to ensure consistency with fixed width text file format specifications. FIU-IND has developed a Report Generation
Utility which can be used by reporting entities to generate XML report files from captured data or text files.
4.1.1
Overview of XML
XML stands for eXtensible Markup Language. XML is designed to transport and store data. Important features
about XML are:
XML documents must contain a root element. The root element is "the parent" of all other elements.
The elements in an XML document form a document tree. The tree starts at the root and branches to the
lowest level of the tree.
Elements are used to classify data in an XML document so that the data becomes "self-explanatory".
Opening and closing tags represent the start and end of an element.
The element in XML can be simple or complex. A complex element is an XML element that contains other
elements and/or attributes).
An XML Schema describes the structure of an XML document. The XML Schema language is referred to
as XML Schema Definition (XSD).
XML with correct syntax is "Well Formed" XML. XML validated against an XML Schema is "Valid" XML.
4.1.2
Overview of XML Schema Definition Files
The XML format specifications are specified in XML Schema Definition (XSD) files and explained in Annexure as
under:
S. No.
Reporting Format
Name of XSD file
Annexure
Account based reporting format
AccountBasedReport.xsd
Annexure A.1
Transaction based reporting format
TransactionBasedReport.xsd
Annexure B.1
CCR based reporting format
CCRBasedReport.xsd
Annexure C.1
In addition to the above XSD files, the common elements have been consolidated in FIU-INDSchemaLibrary.xsd.
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
The XML Schema Definition (XSD) files define the structure of XML file containing data of a batch of reports. Each
batch contains reports of the same type. All the reporting formats (i.e. Account based reporting format, Transaction
based reporting format and Counterfeit Currency based reporting format) have similar structure consisting of batch
level and report level information.
Figure: Overview of a Batch of Reports
4.1.3
Schema Documentation
The following images have been used in the schema documentation.
Image
Description
Mandatory single element
Optional single element
Multiple single element
Mandatory complex element (i.e. at least one child element)
Optional complex element
Mandatory multiple complex element
Sequence compositor (defines the order in which child elements occur)
Choice compositor
4.2
Fixed width text files format specifications
The fixed width text file format specifications represent the required intermediate data set to generate XML reports.
The existing fixed width text file format specification (version 1.0) has been upgraded to version 2.0 to ensure
compatibility with the XML format specifications. The reporting entities are required to submit reports to FIU-IND
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
Version 2.1
which is compliant with the XML format specifications and the fixed width text file format specifications have been
described to assist the extraction of data from the information system of reporting entities before preparation of
XML reports. Reporting entities are encouraged to shift to the fixed width data structure version 2.0 before
generating XML reports at their end. Reporting entities which have necessary technical capabilities may like to shift
to generation of XML reports directly.
The fixed width text file format specifications are given in following Annexure
S. No.
Type of text files
Annexure
Account based text files
Annexure A.2
Transaction based text files
Annexure B.2
Counterfeit currency based text files
Annexure C.2
All data files should comply with following requirements:
i)
ii)
iii)
All Data Files should be generated in ASCII Format with ".txt" as filename extension.
All CHAR fields must be left justified.
If CHAR field has no data or less data with respect to defined length, then the entire field (in case of no
data) or the remaining field (in case of less data) has to be filled with right justified blank characters
(Spaces).
All NUM fields must be right justified.
If NUM field has no data or less data with respect to defined length, then the entire field (in case of no data)
or the remaining field (in case of less data) has to be filled with left justified zeroes.
If DATE field has no data then the entire field has to be filled with blank characters (Spaces).
Fields with an asterisk (*) have to be compulsorily filled up.
For fields that do not have an asterisk (*), reasonable efforts have to be made to get the information. Enter
NA to indicate that the field is not applicable. Do not substitute any other abbreviations or special
characters (e.g., x, - or *).
iv)
v)
vi)
vii)
viii)
4.2.1
ARF (Account based) text files
The version 2.0 of the data structure comprises of the following seven data files:
S. No.
Filename
Description
ARFBAT.txt
Batch File
ARFRPT.txt
Report File
ARFBRC.txt
Branch File
ARFACC.txt
Account File
ARFTRN.txt
Transaction File
ARFINP.txt
Individual Person File
ARFLPE.txt
Legal Person/Entity File
The description of the data files is given in Annexure A.2.
4.2.1.1 Steps in preparation of ARF (account based) text files
The steps in preparation of data files are:
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
i)
Version 2.1
The records containing details of suspicious transactions to be reported are extracted in Transaction Data
File (ARFTRN.txt).
The records containing details of accounts with the suspicious transactions are extracted in Accounts Data
File (ARFACC.txt).
If the account is for Individuals, the records containing details of Individuals who are account holders are
extracted in Individual Data File (ARFINP.txt). The Relation Flag should be set to A.
If the account is for a Legal Person/Entity, the records containing details of Legal Persons/Entities who are
account holders are extracted in Legal Persons/Entities Data File (ARFLPE.txt). The Relation Flag should
be set to A.
Similarly for other Individuals/Legal entities related to the account in different capacities, the records
containing the details are appended to Individual data file (ARFINP.txt) or Legal persons/Entities data file
(ARFLPE.txt) as the case may be. The relation flag may be set as per section 11.1.14.1.
The records containing details of branches which have reported suspicious transactions are extracted in
Branch Data File (ARFBRC.txt).
The grounds of suspicion and report level details are entered in Report file. (ARFRPT.txt).
ii)
iii)
iv)
v)
vi)
vii)
4.2.2
TRF (transaction based) text files
The version 2.0 of the data structure comprises of the following seven data files:
S. No.
Filename
Description
TRFBAT.txt
Batch File
TRFRPT.txt
Report File
TRFBRC.txt
Branch File
TRFTRN.txt
Transaction File
TRFPIN.txt
Payment Instrument File
TRFINP.txt
Individual Person File
TRFLPE.txt
Legal Person/Entity File
The description of the data files is given in Annexure B.2.
4.2.2.1 Steps in preparation of TRF (transaction based) text files
The steps in preparation of data files are:
i)
ii)
iii)
iv)
The records containing details of suspicious/cash transactions have to be extracted in Transaction Data
File (TRFTRN.txt). If one or more related individuals/entities have undertaken multiple transactions, all such
transactions should be included in one STR.
The records containing details of branches/locations related to the transactions have to be extracted in
Branch Data File (TRFBRC.txt). The relation flag has to be set accordingly. If multiple branches/locations
are related to the suspicious transactions, details of such all such branches/locations should be included in
the STR.
If other Institutions are related to the transactions (Payment Instrument Institution, Account Institution and
Related Institution) and their information is available with the reporting entity, their details have to be
extracted in Branch Data File (TRFBRC.txt). The relation flag has to be set accordingly.
If details of payment instrument(s)/card(s) related to the transactions are available, their details have to be
extracted in Payment Instrument File (TRFPIN.txt).
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
v)
Version 2.1
If details of individual(s) related to the transactions are available, the records containing details of
individuals have to be extracted in Individual Data File (TRFINP.txt). The relation flag has to be set
accordingly
If details of Legal Person/Entity(s) related to the transactions are available, the records containing details of
Legal Person/Entity have to be extracted in Legal Person/Entity Data File (TRFLPE.txt). The relation flag
has to be set accordingly.
If the details of Legal Person/Entity have been extracted to Legal Person/Entity File (TRFLPE.txt), the
records containing details of Authorised Signatories or Directors/Partner/Members etc. of Legal
Persons/Entities may be appended to Individual Data File (TRFINP.txt).
The grounds of suspicion and report level details have to be captured in the Report file (TRFRPT.txt).
vi)
vii)
viii)
4.2.3
CRF (counterfeit currency based) text files
The version 2.0 of the data structure comprises of the following four data files:
S. No.
Filename
Description
CRFBAT.txt
Batch File
CRFRPT.txt
Report File
CRFBRC.txt
Branch File
CRFTRN.txt
Transaction File
The description of the data files is given in Annexure C.2.
4.2.3.1 Steps in preparation of CRF (counterfeit currency based) text files
The steps in preparation of data files are:
i)
The details of counterfeit currency should be captured in the Report File (CRFRPT.txt).
ii)
The details of branches should be captured in the Branch File (CRFBRC.txt).
iii)
The Batch level details and summary should be captured in the Batch file. (CRFBAT.txt)
iv)
The serial numbers of the counterfeit currency may be captured in the Transaction File (CRFTRN.txt)
4.3
Manual reporting formats
Manual Reporting Formats have been specified as editable PDF forms which can be used by reporting entities to
print the report and submit as a paper based report. The Editable pdf form based utility enables users to enter or
import data, validate for errors and generate XML reports for submission through the secure FINnet Gateway
Portal. Alternately, Reporting Entities can print the report in OCR compatible format and post the paper based
report to FIU-IND. The reporting entity must submit all reports to FIU-IND in XML format specifications if it has the
technical capability to do so. The data of submitted reports can be saved in the editable PDF document. The
various types of manual reporting formats are
i)
ii)
iii)
iv)
v)
Cash Transaction Report (Account Based)
Cash Transaction Report (Transaction Based)
Suspicious Transaction Report (Account Based)
Suspicious Transaction Report (Transaction Based)
Counterfeit Currency Report
The format for Cash Transaction Report can be used for preparing NPO transaction report.
Financial Intelligence Unit India (FIU-IND)
Reporting Format Guide
4.4
4.4.1
Version 2.1
Frequently Asked Questions (FAQs)
What is XML?
XML stands for eXtensible Markup Language. XML is designed to transport and store data. Important features of
XML are given in section 4.1.
4.4.2
What is XSD?
The XML Schema Definition (XSD) files define the structure of XML file containing data of a batch of reports. Each
batch contains reports of the same type. All the reporting formats (i.e. Account based reporting format, Transaction
based reporting format and Counterfeit Currency based reporting format) have similar structure consisting of batch
level and report level information.
4.4.3
What is fixed width text files version 2.0?
The fixed width text file format specifications represent the required intermediate data set to generate XML reports.
The reporting entities are required to submit reports to FIU-IND which is compliant with the XML format
specifications. The fixed width text file format specifications have been described to assist the extraction of data
from the information system of reporting entities before preparation of XML reports. The existing fixed width text file
format specification (version 1.0) has been upgraded to version 2.0 to ensure compatibility with the XML format
specifications. Reporting entities are encouraged to shift to the fixed width data structure version 2.0 before
generating XML reports at their end. Reporting entities which have necessary technical capabilities may like to shift
to generation of XML reports directly.
4.4.4
What are the common requirements of fixed width text files version 2.0?
All data files should comply with certain requirements to ensure that the reports can be processed without data
errors. Refer section 4.2 of Reporting Format Guide for details.
4.4.5
How many data files are required in ARF (Account based) text files?
The version 2.0 of the data structure comprises of seven data files. Refer section 4.2.1 of Reporting Format Guide
for details.
4.4.6
How many data files are required in TRF (Transaction based) text files?
The version 2.0 of the data structure comprises of seven data files. Refer section 4.2.2 of Reporting Format Guide
for details.
4.4.7
How many data files are required in CRF (counterfeit currency based) text files?
The version 2.0 of the data structure comprises of four data files. Refer section 4.2.3 of Reporting Format Guide for
details.
4.4.8
What are the steps in preparation of text files?
Refer section 4.2.1, 4.2.2 and 4.2.3 of Reporting Format Guide for ARF, TRF and CRF respectively.
Financial Intelligence Unit India (FIU-IND)
10
Reporting Format Guide
Version 2.1
Preparation of reports
This section contains information related to preparation of prescribed reports by the reporting entities. This section
also gives an overview of the Report Generation Utility, Report Validation Utility and Editable pdf based Utility
developed by FIU-IND to assist reporting entities in the preparation of the prescribed reports.
The reporting entities are required to submit reports to FIU-IND which is compliant with the XML format
specifications. Reporting entities which have necessary technical capabilities may generate XML reports directly
from their systems. The reporting format guide also specifies text file format specifications to assist in the extraction
of data from the information system of reporting entities before preparation of XML reports. Reporting entities are
encouraged to shift to the fixed width data structure version 2.0 before generating XML reports at their end. FIUIND has developed a Report Generation Utility to assist the reporting entities in generation of XML reports.
5.1
Report Generation Utility
The Report Generation Utility enables user to generate XML report from various data sources. The broad features
of the Report Generation Utility are:
Capture data in XML tree structure and Grid structure (version 2.0)
Import data from previously saved XML file or Grid data
Perform key and structural validations before generation of XML
Generate XML report from loaded data or direct conversion of fixed width text files (version 1.0 and 2.0)
Configure the settings and preferences of the utility
The user guide for RGU provides detailed documentation on using the utility. The Report Generation Utility
performs key and structural validation checks on the data files before generation of XML files. The validation
checks performed on the version 1.0 data files is given in respective reporting formats and section 5.1.4. The
prerequisite rules for generation of XML reports from the respective version 2.0 text files are given in following
sections.
5.1.1
Generation of XML reports from ARF (account based) text files (v 2.0)
The rules for checking the data files and the conversion rules for generation of XML reports are given in following
sections.
5.1.1.1 Prerequisites for generation of XML from ARF text files
The rules for checking ARF (account based) data files (version 2.0) are:
i)
ii)
iii)
iv)
There should be seven data files with appropriate naming convention.
The data files should be as per specified data structure and business rules.
None of the mandatory fields should be left blank.
All dates should be entered in YYYY-MM-DD format.
5.1.1.2 Key validation rules for ARF text files
The rules for primary and foreign key validations of ARF (account based based) data files (version 2.0) are:
i)
ii)
[ReportSerialNum] should be unique in Report file (ARFRPT.txt)
[BranchRefNum] should be unique in Branch Data File (ARFBRC.txt)
Financial Intelligence Unit India (FIU-IND)
11
Reporting Format Guide
iii)
iv)
v)
vi)
vii)
viii)
Version 2.1
[ReportSerialNum + BranchRefNum + AccountNumber] should be unique in Account Data File
(ARFACC.txt).
All values of [ReportSerialNum] in ARFTRN.txt, ARFACC.txt, ARFINP.txt and ARFLPE.txt should
have matching value in the Report file (ARFRPT.txt).
All values of [BranchRefNum] in Account Data File (ARFACC.txt) should have a matching
[BranchRefNum] value in Branch Data File (ARFBRC.txt)
All values of [ReportSerialNum + BranchRefNum + AccountNumber] in Transaction Data File
(ARFTRN.txt) should have matching [ReportSerialNum + BranchRefNum + AccountNumber]
value in Account Data File (ARFACC.txt)
All values of [ReportSerialNum + BranchRefNum + AccountNumber] in Individual Data File
(ARFINP.txt) should have matching [ReportSerialNum + BranchRefNum + AccountNumber] value
in Account Data File (ARFACC.txt)
All values of [ReportSerialNum + BranchRefNum + AccountNumber] in Legal Person/Entity Data
File (ARFLPE.txt) should have matching [ReportSerialNum + BranchRefNum + AccountNumber]
value in Account Data File (ARFACC.txt)
5.1.1.3 XML Generation Rules for ARF text files
The conversion rules for generation of XML reports from ARF (account based) text files are as under:
i)
ii)
iii)
iv)
v)
The information in the single record in the Batch file (ARFBAT.txt) is populated in the elements
ReportType, ReportingEntity, PrincipalOfficer, and BatchDetails of the XML report batch.
The information about the data structure version from the Batch file (ARFBAT.txt) is populated in
the element DataStructureVersion under the BatchHeader element.
The utility automatically populates the elements GenerationUtilityVersion and DataSource from the
Batch file (ARFBAT.txt). These elements may not be filled by the reporting entity directly generating
the XML reports.
Each record in the Report file (ARFRPT.txt) is used to create a Report element in the XML report
batch.
Within each Report the various data elements are generated as underThe information from the relevant record in the Report file is populated in the elements
ReportSerialNum, OriginalReportSerialNum and MainPersonName.
In case of STR, the details of suspicion from Report file (ARFRPT.txt) with matching
ReportSerialNum are populated in the SuspicionDetails element.
Each record in the Account file (ARFACC.txt) with matching ReportSerialNum will create a
new Account element within the Report.
Within each Account, the various data elements are generated as under:
o The details of the account from the Account file (ARFACC.txt) with matching
ReportSerialNum are populated in the element AccountDetails.
o The details of the branch linked to the account from the Branch file (ARFBRC.txt)
with matching BranchRefNum are populated in the element Branch.
o The details of the individuals related to the account from the Individual File
(ARFINP.txt)
with
matching
ReportSerialNum,
BranchRefNum
and
AccountNumber are populated in the element PersonDetails.
o The details of the legal persons/entities related to the account from the Legal
Persons / Entities File (ARFLPE.txt) with matching ReportSerialNum,
BranchRefNum and AccountNumber are populated in the element PersonDetails.
Financial Intelligence Unit India (FIU-IND)
12
Reporting Format Guide
Version 2.1
vi)
5.1.2
The details of the transaction in the account from the Transaction File
(ARFTRN.txt)
with
matching
ReportSerialNum,
BranchRefNum
and
AccountNumber are populated in the element Transaction.
In case of generation of XML file from fixed width data files version 1.0, if enumerations are not
categorised, the utility populates the value X /XX in the respective element.
Generation of XML reports from TRF (transaction based) text files (v 2.0)
The rules for checking the data files and the conversion rules for generation of XML reports are given in following
section.
5.1.2.1 Prerequisites for generation of XML from TRF text files
The rules for checking TRF (transaction based) data files (version 2.0) are:
i)
ii)
iii)
iv)
There should be seven data files with appropriate naming convention.
The data files should be as per specified data structure and business rules.
None of the mandatory fields should be left blank.
All dates should be in YYYY-MM-DD format.
5.1.2.2 Key validation rules for TRF text files
The rules for primary and foreign key validations of TRF (transaction based) data files (version 2.0) are:
i)
ii)
iii)
i)
ii)
[ReportSerialNum] should be unique in Report File (TRFRPT.txt).
[InstitutionRefNum] should be unique in Branch Data File (TRFBRC.txt).
All values of [ReportSerialNum] in TRFTRN.txt, TRFPIN.txt, TRFINP.txt and TRFLPE.txt should
have matching value in TRFRPT.txt.
All values of [TransactionInstitutionReferenceNum] in Transaction file should have a matching
value in the Branch File (TRFBRC.txt).
All values of ([IssueInstitutionRefNumber] + [InstrumentRefNumber]) in TRFPIN.txt should have
matching value in relevant fields in TRFTRN.txt.
5.1.2.3 XML Generation Rules for TRF text files
The conversion rules for generation of XML reports from TRF (transaction based) text files are as under:
i)
ii)
iii)
iv)
v)
The information in the single record in the Batch file (TRFBAT.txt) is populated in the elements
ReportType, ReportingEntity, PrincipalOfficer, and BatchDetails of the XML report batch.
The information about the data structure version from the Batch file (TRFBAT.txt) is populated in
the element DataStructureVersion under the BatchHeader element.
The utility automatically populates the elements GenerationUtilityVersion and DataSource from the
Batch file (TRFBAT.txt). These elements may not be filled by the reporting entity directly generating
the XML reports.
Each record in the Report file (TRFRPT.txt) is used to create a Report element in the XML report
batch.
Within each Report the various data elements are generated as underThe information from the relevant record in the Report file (TRFRPT.txt) is populated in the
elements ReportSerialNum, OriginalReportSerialNum and MainPersonName.
In case of STR, the details of suspicion from Report file (TRFRPT.txt) with matching
ReportSerialNum are populated in the SuspicionDetails element.
Financial Intelligence Unit India (FIU-IND)
13
Reporting Format Guide
vi)
5.1.3
Version 2.1
Each record in the Transaction file (TRFTRN.txt) with matching ReportSerialNum will
create a new Transaction element within the Report.
The details about the institutions related to the transaction from the Branch file
(TRFBRC.txt) with matching InstitutionRefNum are populated in the element Branch.
The details about the payment instruments related to the transaction from the Payment
Instruments file (TRFPIN.txt) with matching ReportSerialNum and InstrumentRefNum are
populated in the element PaymentInstrument.
The details about the individuals related to the transaction from the Individual Persons file
(TRFINP.txt) with matching ReportSerialNum are populated in the elements
RelatedPersons and Individual.
The details about the legal persons/entities related to the transaction from the Legal
Persons/Entities file (TRFLPE.txt) with matching ReportSerialNum are populated in the
elements RelatedPersons and LegalPerson.
In case of generation of XML file from fixed width data files version 1.0, if enumerations are not
categorised, the utility populates the value X /XX in the respective element.
Generation of XML reports from CRF (counterfeit currency based) text files (v 2.0)
The rules for checking the data files and the conversion rules for generation of XML reports are given in following
sections.
5.1.3.1 Prerequisites for generation of XML from CRF text files
The rules for checking CRF (counterfeit currency based) data files (version 2.0) are:
i)
ii)
iii)
iv)
There should be four data files with appropriate naming convention.
The data files should be as per specified data structure and business rules.
None of the mandatory fields should be left blank.
All dates should be entered in YYYY-MM-DD format.
5.1.3.2 Key validation rules for CRF text files
The rules for primary and foreign key validations of CRF (counterfeit currency based) data files (version 2.0) are:
i)
ii)
iii)
iv)
[ReportSerialNum] should be unique in Report Data File (CRFRPT.txt).
[BranchRefNum] should be unique in Branch Data File (CRFBRC.txt).
All values of [BranchRefNum] in Report Data File (CRFRPT.txt) should have matching
[BranchRefNum] value in Branch Data File (CRFBRC.txt).
All values of [ReportSerialNum] in Transaction File (CRFTRN.txt) should have matching
[ReportSerialNum] value in Report Data File (CRFRPT.txt).
5.1.3.3 XML Generation Rules for CRF (counterfeit currency based) text files
The conversion rules for generation of XML reports from CRF (counterfeit currency based) text files are as under:
i)
ii)
The information in the single record in the Batch file (CRFBAT.txt) is populated in the elements
ReportType, ReportingEntity, PrincipalOfficer, and BatchDetails of the XML report batch.
The information about the data structure version from the Batch file (CRFBAT.txt) is populated in
the element DataStructureVersion under the BatchHeader element.
Financial Intelligence Unit India (FIU-IND)
14
Reporting Format Guide
iii)
iv)
v)
vi)
5.1.4
Version 2.1
The utility automatically populates the elements GenerationUtilityVersion and DataSource from the
Batch file (CRFBAT.txt). These elements may not be filled by the reporting entity directly
generating the XML reports.
Each record in the Report file (CRFRPT.txt) is used to create a report element in the XML report
batch.
Within each report the various data elements are generated as underThe information from the relevant record in the Report file (CRFRPT.txt) is populated in the
elements ReportSerialNum and OriginalReportSerialNum.
The details about the branch related to the incident from the Branch file (CRFBRC.txt) with
matching BranchRefNum are populated in the element Branch.
The details about the counterfeit currency related to the incident from the Report File
(CRFRPT.txt) are populated in the element ReportSummary.
The details about the fake notes from the Note Details file (CRFTRN.txt) with matching
ReportSerialNum are populated in the TransactionDetails element.
In case of generation of XML file from fixed width data files version 1.0, if enumerations are not
categorised, the utility populates the value X /XX in the respective element.
Generation of XML reports from text files (v 1.0)
The rules for checking the data files and the conversion rules for generation of XML reports from different variants
of text files (v 1.0) are given in following section. Violation of these rules will lead to failure in generation of XML
files.
5.1.4.1 Key validation rules for text files (v 1.0) for banks, insurance and intermediaries
The rules for primary and foreign key validations of CTR/STR text files (version 1.0) for banks, insurance and
intermediaries are:
i)
ii)
iii)
iv)
v)
vi)
[Branch Reference Number] should be unique in Branch Data File (BRC)
[Branch Reference Number + Account Number] should be unique in Account (ACC) Data File
All values of [Branch Reference Number] in Account (ACC) Data File should have a matching
[Branch Reference Number] value in Branch (BRC) Data File
All values of [Branch Reference Number + Account Number] in Transaction (TRN) Data File should
have matching [Branch Reference Number + Account Number] value in Account (ACC) Data File
All values of [Branch Reference Number + Account Number] in Individual (INP) Data File should
have matching [Branch Reference Number + Account Number] value in Account (ACC) Data File
All values of [Branch Reference Number + Account Number] in Legal Person/Entity (LPE) Data File
should have matching [Branch Reference Number + Account Number] value in Account (ACC)
Data File
5.1.4.2 Key validation rules for text files (v 1.0) for authorised persons and payment systemoperators
The rules for primary and foreign key validations of CTR/STR text files (version 1.0) for authorised persons and
payment system operators are:
i)
ii)
iii)
[CTR/STR Reference Number] should be unique in Control File
For each [CTR/STR Reference Number], the [Institution Reference Number] should be unique in
Branch Data File
All values of [CTR/STR Reference Number] in Transaction (TRN) Data File should have matching
value in Control (CTL) File
Financial Intelligence Unit India (FIU-IND)
15
Reporting Format Guide
iv)
v)
vi)
vii)
Version 2.1
All values of [CTR/STR Reference Number] in Branch (BRC) Data File should have matching
value in Control (CTL) File
All values of [CTR/STR Reference Number] in Payment Instrument (PIN) Data File should have
matching value in Control (CTL) File
All values of [CTR/STR Reference Number] in Individual (INP) Data File should have matching
value in Control (CTL) File
All values of [CTR/STR Reference Number] in Legal Person/Entity Data (LPE) File should have
matching value in Control (CTL) File
5.1.4.3 Key validation rules for CCR text files (v 1.0)
The rules for primary and foreign key validations of CCR text files (version 1.0) are:
i)
ii)
5.2
[Branch Reference Number] should be unique in Branch (BRC) Data File.
All values of [Branch Reference Number] in Transaction (TRN) Data File should have matching
[Branch Reference Number] value in Branch (BRC) Data File
Report Validation Utility
The Report Validation Utility enables user to validate an XML report and prepares it for submission to FIU-IND. The
broad features of the utility are:
Perform schema validation (XSV) of XML file against the published schema (prescribed in XSD file)
Perform preliminary rule validation (PRV) of XML file using rules (prescribed in the SCH file)
View Data Quality Report (in XML format) generated by this utility or sent by FIU-IND
Show the underlying data elements causing error if the original report is also linked to the utility
Generate a draft revised report which is required to be resubmitted after correction.
Generate a hash XML for the validated XML report
Digitally sign the hash XML using the PFX or USB token option
Configure the settings and preferences of the utility
The user guide provides detailed documentation on using the utility.
5.3
Editable pdf based Utility
The PDF based utility can be used by Reporting Entities to enter data of single reports. Detailed instructions have
been provided in the pdf form to assist the users in filling the form and generate XML reports. The broad features of
the utility are:
Allow users to enter data in the pdf form
Generate XML reports from captured data for submission through the secure FINnet Gateway Portal
Allow import of data from saved XML file
Allow printing of the report
Allow saving of report data in the pdf form
The various types of Editable pdf based forms are given in section 4.3 of this document. The reporting entity must
submit all reports to FIU-IND in XML form if it has the technical capability to do so.
Financial Intelligence Unit India (FIU-IND)
16
Reporting Format Guide
5.4
5.4.1
Version 2.1
Frequently Asked Questions (FAQs)
What is Report Generation Utility?
The Report Generation Utility enables user to generate XML report from various data sources. Refer section 5.1 of
Reporting Format Guide for details. Refer the Report Generation Utility User Guide for further details on using the
utility.
5.4.2
What is Report Validation Utility?
The Report Validation Utility enables user to validate an XML report and prepares it for submission to FIU-IND.
Refer section 5.2 of Reporting Format Guide for details. Refer the Report Validation Utility User Guide for further
details on using the utility.
5.4.3
What are the rules for generation of XML reports from variants of text files (v 1.0)?
The data files of different variants of text files (v 1.0) should comply with conversion rules for generation of XML
reports. Violation of these rules will lead to failure in generation of XML files. Refer section 5.1.4 of Reporting
Format Guide for details.
5.4.4
What are the prerequisites for generation of XML from text files?
The users should ensure that the fixed width text files should meet certain prerequisites before conversion to XML.
Refer section 5.1.1.1, 5.1.2.1 and 5.1.3.1 of Reporting Format Guide for details about ARF, TRF and CRF
respectively.
5.4.5
What are the key validation rules for text files?
The data in text files should comply with rules for primary and foreign key validations of text files (version 2.0).
Refer section 5.1.1.2, 5.1.2.2 and 5.1.3.2 of Reporting Format Guide for details about ARF, TRF and CRF
respectively.
5.4.6
What are the XML generation rules for text files?
The Report Generation Utility uses conversion rules for generation of XML reports from text files. Refer section
5.1.1.3, 5.1.2.3 and 5.1.3.3 of Reporting Format Guide for details about ARF, TRF and CRF respectively.
5.4.7
What codes can be used in element BranchRefNum to identify branches?
Reporting entities should use regulator issued/other unique codes to uniquely identify branches. In cases, where
such codes are not available, reporting entities can use self generated branch codes to uniquely identify the
branch.
Financial Intelligence Unit India (FIU-IND)
17
Reporting Format Guide
Version 2.1
Submission of Reports to FIU-IND
This section contains information related to submission of reports to FIU-IND and gives an overview of the FINnet
Gateway Portal which has been developed as an interface for the reporting entities.
6.1
FINnet Gateway Portal
With the implementation of Project FINnet (Financial Intelligence Network) by FIU-IND in 2010, the primary mode of
submission of reports to FIU-IND will be through the FINnet Gateway Portal. The FINnet Gateway Portal is
designed as a comprehensive interface between the reporting entities and FIU-IND. The user guide for the FINnet
Gateway Portal provides detailed documentation on using the portal. The broad features are:
Login Page to allow access to registered users using credentials provided by the user. This page also has
links to register a new user.
Home page to display summary of actionable items (unread messages, pending reports, overdue reports
etc.) and new content (Downloads, Discussions, FAQs, Events, Tips, Alerts and Surveys).
Users module to view and manage the users of the reporting entity, FIU users and user groups.
Profiles module to upload the digital certificate and manage the profile information of the reporting entity,
principal officer and other users.
Reports module with facility for web filing of reports and upload reports, view the upload history, rejected
reports, reports where additional information is required and overdue reports. A report summary of reports
submitted by the reporting entity is also provided.
Messages module which is a messaging system between authorised users and FIU users.
Resources module which is a comprehensive knowledge repository consisting of Downloads, FAQs,
Problems and Solutions, Discussion Forums, Surveys, Events, Alerts and Tips.
6.2
Submission of reports over the FINnet Gateway
Users of the reporting entities, who submit reports and exchange information with FIU-IND, have to register on the
FINnet Gateway Portal. After registration, the authorized users will be provided credentials for login. The authorised
users can upload the reports in prescribed XML format using the reports module of the FINnet Gateway Portal.
Reporting entities should ensure that all errors detected by the utilities are rectified and the XML file is secured
before uploading the reports. On successful upload, the portal will generate and display a unique Batch ID.
The principal officer can attach digital signature using the Report Validation Utility prior to uploading the file. If the
submitted batch is as per prescribed schema and if the file uploaded is signed with digital signature, the submission
of the report will be treated as complete and the status of the batch will be Submitted/Validated. The date of
submission of the batch will be the date of upload. If the file uploaded is without a digital signature, the portal would
generate a single page Report Upload Confirmation (RUC) form. The principal officer would be required to print
RUC form and post it to FIU-IND after signing. The signed copy of RUC form should be received by FIU-IND within
10 days of upload. After receipt of signed copy of RUC form, the date of upload would be taken as date of
submission. If the RUC form is not received at FIU-IND within 10 days, it will be treated as non compliance with the
reporting obligation. All reporting entities are encouraged to upload digitally signed reports.
Financial Intelligence Unit India (FIU-IND)
18
Reporting Format Guide
Version 2.1
The description of the various status of Batch as displayed in the FINnet Gateway Portal is as under:
Batch Status
Description
Submitted
On upload of the batch file, the status will be Submitted.
Validated
If the batch is as per prescribed schema and the batch has been uploaded with a digital
signature, the status would be shown as Validated. If the batch has been submitted without
digital signature, the status would be shown as Validated after confirmation is received by
FIU-IND.
Validated (AC)
If the XML batch has been successfully submitted without digital signature, the status would
be shown as Validated (AC) where AC means Awaiting confirmation. The reporting entity
would be required to send a signed copy of report upload confirmation to FIU-IND within 10
days of upload. The status would be shown as Validated after confirmation is received by
FIU-IND.
Invalid
If the batch fails the batch validation checks (digital signature error, hash mismatch, schema
validation failure, data insertion error etc.), the status of the batch would be Invalid and the
entire batch has to be submitted again
Processed
After validation of the batch and generation of Data Quality Report by FIU-IND the status of
the batch changes from Validated to Processed. The DQR will be available for download
from the FINnet Gateway Portal.
6.3
Submission of reports on CDs
The reporting entities are required to submit prescribed reports using the FINnet Gateway Portal if they have
technical capabilities to do so. The reporting entities can submit reports by sending the XML file on CD if:
The reporting entity is not able to upload the report
The reporting entity has been asked by FIU-IND to submit the report using CD
In case of submission on CD, following should be ensured:
A label mentioning name of the Reporting Entity, unique identification code, type of report
(CTR/STR/CCR/NTR), batch number, month and year of report should be affixed on each CD for the
purpose of identification.
Each CD should be accompanied by Summary of Reports duly signed by the principal officer.
In case the size of data files exceeds the capacity of one CD, the data files should be compressed by using
Winzip 8.1 or ZipItFast 3.0 (or higher version) compression utility only to ensure quick and smooth
acceptance of the file.
The CD should be virus free.
6.4
Submission of reports by other means
Reporting Entities are expected to submit reports in electronic form. However if the reporting entity does not have
the capability to generate report in electronic form, reports may be submitted in manual paper-based forms.
Reporting Entities should use the FIU-IND provided PDF Form based utilities to capture data and print the report as
per the specified format. The paper based report should be duly signed by the Principal Officer and posted to FIUIND. However, Reporting Entities should make all reasonable efforts to send reports in electronic rather than the
paper based format.
Financial Intelligence Unit India (FIU-IND)
19
Reporting Format Guide
6.5
6.5.1
Version 2.1
Frequently Asked Questions (FAQs)
What is FINnet Gateway Portal?
With the implementation of Project FINnet (Financial Intelligence Network) by FIU-IND in 2010, the primary mode of
submission of reports to FIU-IND will be through the FINnet Gateway Portal. The FINnet Gateway Portal is
designed as a comprehensive interface between the reporting entities and FIU-IND. Refer section 6.1 of Reporting
Format Guide for details. Refer the FINnet Gateway User Guide for further details on using the utility.
6.5.2
How can reports be submitted over the FINnet Gateway?
All users of the reporting entities have to register on the FINnet Gateway Portal. After registration, the authorised
users will be given credentials for login. The authorised users can upload the reports in prescribed XML reports
using the reports module of the FINnet Gateway Portal. Reporting entities should ensure that all errors detected by
the utilities are rectified and the XML converted to a Hash XML which can further be digitally signed using the PFX
or USB token option prior to upload. On successful upload, the portal shall generate and display a unique Batch ID.
6.5.3
What are the different modes of report submission?
Reporting entities should submit reports online through FINnet Gateway portal. However, in certain cases they can
submit reports by sending the XML file on CD or paper based reports using editable PDF forms provided by FIUIND.
6.5.4
What is the procedure for submitting reports using digital signature?
The principal officer can attach the digital signature using the Report Validation Utility provided by FIU-IND. The
validated XML file which is error free is converted to a Hash XML using the Secure XML tab. Subsequently, users
can use the PFX or USB token and digitally sign prior to uploading the file. If the submitted batch is as per
prescribed schema and if the file uploaded is digitally signed, the submission of the report will be treated as
complete and the status of the batch will be Validated.
6.5.5
What is the procedure for submitting reports without using digital signature?
The validated XML file should be converted to Hash XML using the Secure XML tab in Report Validation Utility
provided by FIU-IND. When the Hash XML file is uploaded without digital signature, the FINnet Gateway portal
would generate a single page report upload confirmation (RUC) form. The principal officer would be required to
print the RUC form and post it to FIU-IND after signing. The signed copy of the RUC form should be received by
FIU-IND within 10 days of upload. After confirmation, the date of upload would be taken as date of submission. If
the RUC form is not received at FIU-IND within 10 days, it will be treated as non compliance with the reporting
obligation. All reporting entities are encouraged to upload reports with digital signature.
6.5.6
What is batch number?
Reporting Entities should maintain a unique series of numbers to be used as batch number. Refer section 11.1.5 of
Reporting Format Guide for details.
6.5.7
What is batch ID?
Batch ID is the unique acknowledgement number for each batch generated on its successful upload.
Financial Intelligence Unit India (FIU-IND)
20
Reporting Format Guide
6.5.8
Version 2.1
What is batch status?
As the batch is submitted and processed by FIU-IND, the status of the batch changes from Submitted to
Validated, Validated (AC), Invalid and Processed. Refer section 6.2 of Reporting Format Guide for details.
6.5.9
Can reports be submitted on CDs?
The reporting entities are required to submit prescribed reports using the FINnet Gateway Portal if they have
technical capabilities to do so. The reporting entities can submit reports by sending the XML file on CD if the
reporting entity is not able to upload the report. In some cases, FIU-IND may ask reporting entity to submit the
report using CD
6.5.10 Can reports be submitted in manual reporting formats?
Manual Reporting Formats have been specified as editable PDF forms which can be used by reporting entities to
print the report and submit as a paper based report. The editable PDF form based utility enables users to enter or
import data, validate for errors and generate XML reports for submission through the secure FINnet Gateway
Portal. Alternately, reporting entities can print the report in OCR compatible format and post the paper based report
to FIU-IND. The reporting entity must submit all reports to FIU-IND in XML format specifications if it has the
technical capability to do so. Refer section 4.3 of Reporting Format Guide for details.
Financial Intelligence Unit India (FIU-IND)
21
Reporting Format Guide
Version 2.1
Data Quality Validation
This section explains the integrated XML Schema validation and Rule based validation approach adopted by FIUIND. The section also gives an overview of the validation rules, types of errors, Data Quality Report and error
resolution steps.
7.1
Types of validation
The data quality validation has been enhanced by introducing multiple levels of validation covering both XML
Schema validation and Rule based validation. The XML file will undergo following three types of validations:
XML Schema Validation (XSV): Verification of XML file against the published schema (XSD file)
Preliminary Rule Validation (PRV): Preliminary verification of XML file using rules which can be prevalidated before submission. These rules would be specified in external rules file (SCH file) shared with
reporting entities.
Advanced Rule Validation (ARV): Verification of XML files using rules which require additional information
such as earlier submitted report, external data sources or dictionaries.
7.2
Types of Errors
The types of errors found in the report have been categorised into schema error, fatal error, non fatal error and
probable error. The description of error type and its resolution is as under:
Error Type
Error Description
Schema error
Errors in XML file on account of validation The errors have to be resolved in XML file to enable
against the XML schema (xsd)
schema validation by utility
Fatal error
Errors in XML file which would result in
rejection of report
A batch containing fatal errors will be allowed to be
uploaded but reports with fatal errors will be
rejected. The reporting entity would be required to
resubmit revised reports after resolving fatal errors
Non fatal error
Errors in XML file which will not lead to
rejection of reports
No requirement to submit a revised report. These
errors are taken into account to compute data
quality rating. The errors may be resolved in future
submissions
Probable error
Errors in XML file which will not lead to
rejection of reports
These are not confirmed errors. The reporting entity
would be required to verify and submit revised report
only if error is confirmed
7.3
Error Resolution
Validation Error Matrix
The following table shows relationships between validation type and error types:
Validation Type
Schema error
XML Schema Validation (XSV)
Preliminary Rule Validation (PRV)
Advanced Rule Validation (ARV)
Financial Intelligence Unit India (FIU-IND)
Fatal error
Non fatal error
Probable error
22
Reporting Format Guide
7.4
Version 2.1
XML Schema Validation (XSV)
An XML schema is a description of a type of XML document, typically expressed in terms of constraints on the
structure and content of documents of that type, above and beyond the basic syntactical constraints imposed by
XML itself. These constraints are generally expressed using some combination of grammatical rules governing the
order of elements, Boolean predicates that the content must satisfy, data types governing the content of elements
and attributes, and more specialized rules such as uniqueness and referential integrity constraints.
The process of checking to see if an XML document conforms to a schema is called validation, which is separate
from XML's core concept of syntactic well-formedness. All XML documents must be well-formed, but it is not
required that a document be valid unless the XML parser is "validating," in which case the document is also
checked for conformance with its associated schema.
7.5
Preliminary Rule Validation (PRV)
Preliminary Rule Validation (PRV) is preliminary verification of XML file using rules which can be pre-validated
before submission. These rules would be specified in external rules file (SCH file) shared with reporting entities.
The description of rules for Preliminary Rule Validation (PRV) is as under:
S. No. Validation Rule
Rule Description
Example
Error Type
MandatoryValueFatal
The element should not be
blank
Address of person should
Fatal error
not be blank
MandatoryValueNonFatal
The element should not be
blank
PAN of person should not
Non fatal error
be blank
UniqueValue
The value of element in multiple ReportSerialNum in a
records should be unique
batch should be unique
SufficiencyElementFatal
At least one element should be
present
At least one account
Fatal error
holder should be included
SufficiencyElementNonFatal
At least one element should be
present
At least one individual for
the account should be
Non fatal error
included
SufficiencyLengthFatal
The data element should be of
sufficient length
The ID number should
exceed 5 characters
Fatal error
SufficiencyLengthNonFatal
The data element should be of
sufficient length
The address should
exceed 8 characters
Non fatal error
ConsistencySum
The value should be equal to
the sum of value of data
elements
The total amount matches
with the sum of
Fatal error
transaction amounts in the
report
ConsistencyValue
The value should be greater or
less than the value of data
element
The sum of transactions
during the month should
not be greater than the
Non fatal error
sum of transactions during
the year
10
ErrorProbablityHigh
The probability of error is high
If the transaction value is
same as the account
number, the error
Financial Intelligence Unit India (FIU-IND)
Fatal error
Probable Error
23
Reporting Format Guide
S. No. Validation Rule
Rule Description
Version 2.1
Example
Error Type
probability is high
11
12
ErrorProbablityMedium
ErrorProbablityLow
The probability of error is
medium
If the value of a single
cash transaction exceeds
Probable Error
1billion INR, the error
probability is medium
The probability of error is low
If there are multiple
transactions of the same
Probable Error
value on the same day,
the error probability is low
Sample application of preliminary validation rules for the three reporting formats is given in Annexure A.3, B.3 and
C.3 of this document.
7.6
Advanced Rule Validation (ARV)
Advanced Rule Validation (ARV) is verification of XML files using rules which require additional information such as
earlier submitted report, external data sources or dictionaries. The description of some rules for Advanced Rule
Validation (ARV) is as under:
S. No.
Validation Rule
SufficiencyValue
Rule Description
The data element should
contain sufficient
information
Example
The address should contain
sufficient information
(dictionary based)
Error Type
The value should be
consistent with earlier
report
The cumulative credit amount
in the year should not be lower
Non fatal error
than the report of the previous
month in the same year
Non fatal error
ConsistencyValueEarlierReport
The value should be
consistent with internal
ConsistencyValueInternalSource
data source maintained
at FIU
The pincode of the customer
should match with the pincode Non fatal error
dictionary
The value should be
ConsistencyValueExternalSource consistent with external
data source
The PAN of the customer
should be a valid PAN in
Income Tax Database
Non fatal error
Sample application of advanced validation rules for the three reporting formats is given in Annexure A.3, B.3 and
C.3 of this document.
Financial Intelligence Unit India (FIU-IND)
24
Reporting Format Guide
7.7
Version 2.1
Data Quality Rating
On successful file upload, FIU-IND shall subject the reports to different levels of validations. On completion of
validations, FIU-IND shall generate a Data Quality Rating for the batch which is an indicator/measure of the quality
of reports in a batch submitted to FIU-IND. The data quality rating would be communicated to the reporting entity
after each successful upload and validation. The description of data quality rating is as under:
Data Quality Rating
7.8
Description
The batch of reports contains no fatal or non fatal errors
The batch of reports has no fatal errors but only non fatal errors
Few reports (< 50%) in the batch have been rejected due to fatal errors
Large number of reports (>= 50%) in the batch have been rejected due to fatal errors
The batch has not been rated
Data Quality Report
The Data Quality Report contains summary level details, statistics and details of errors/warnings. The Data Quality
Report states the quality of the report and indicates if the report is acceptable, requires resubmission or has
warnings for future quality improvement. The DQR will be available for download in XML format against each report
batch.
DQR downloaded in XML format can be viewed using the Report Validation Utility or any other XML editor. The
explanation of schema of the Data Quality Report is provided in Annexure D of this document. The DQR has
separate sections for report summary information, acknowledgement information and error details for preliminary
validation and advanced validation. The error details describe the validation rule that was violated, the data element
in which the error occurred and the path of the element in the original XML report file.
Reporting Entities can link the downloaded DQR in XML format to the original report submitted using the Report
Validation Utility. The DQR provides the path and the data element in which the error occurred. The Report
Validation Utility can also be used to import the original report and view using the error report.
7.9
Resolution of errors
Reporting Entities should use the DQR to examine the data quality errors. Reports that have fatal errors need to be
rectified and resubmitted. Reporting Entities should take necessary steps to rectify the error at source so that the
same errors are not repeated. Non-fatal errors are errors that are warning in nature. Reporting Entities need not
resubmit the reports containing non-fatal errors. Reporting Entities should take necessary action to rectify such
errors at source so that they do not recur. Reporting Entities should take necessary steps to ensure that the quality
of the data submitted improves progressively over time.
7.10 Frequently Asked Questions (FAQs)
7.10.1 What are the types of data quality validation?
The data quality validation has been enhanced by introducing multiple levels of validation covering both XML
Schema validation and Rule based validation. The XML file will undergo following three types of validations:
XML Schema Validation (XSV): Verification of XML file against the published schema (XSD file)
Financial Intelligence Unit India (FIU-IND)
25
Reporting Format Guide
Version 2.1
Preliminary Rule Validation (PRV): Preliminary verification of XML file using rules which can be prevalidated before submission. These rules would be specified in external rules file (SCH file) shared with
reporting entities.
Advanced Rule Validation (ARV): Verification of XML files using rules which require additional information
such as earlier submitted report, external data sources or dictionaries.
7.10.2 What are the types of errors checked during data quality validation?
The types of errors found in the report have been categorised into schema error, fatal error, non fatal error and
probable error. Refer section 7.2 of Reporting Format Guide for details.
7.10.3 What is XML Schema Validation (XSV)?
An XML schema is a description of a type of XML document, typically expressed in terms of constraints on the
structure and content of documents of that type, above and beyond the basic syntactical constraints imposed by
XML itself. The process of checking to see if an XML document conforms to a schema is called validation.
7.10.4 What is Preliminary Rule Validation (PRV)?
Preliminary Rule Validation (PRV) is preliminary verification of XML file using rules which can be pre-validated
before submission. These rules would be specified in external rules file (SCH file) shared with reporting entities.
The external files used for validation are schematron rules. Refer section 7.5 of Reporting Format Guide for details.
7.10.5 What is Advanced Rule Validation (ARV)?
Advanced Rule Validation (ARV) is verification of XML files using rules which require additional information such as
earlier submitted report, external data sources or dictionaries. Refer section 7.6 of Reporting Format Guide for
details.
7.10.6 What is Data Quality Rating?
On successful file upload, FIU-IND shall subject the reports to different levels of validations. On completion of
validations, FIU-IND shall generate a Data Quality Rating for the batch which is an indicator/measure of the quality
of reports in a batch submitted to FIU-IND. The data quality rating would be communicated to the reporting entity
after each successful upload and validation. Refer section 7.7 of Reporting Format Guide for details.
7.10.7 What is Data Quality Report?
The Data Quality Report contains summary level details, statistics and details of errors/warnings. The Data Quality
Report states the quality of the report and indicates if the report is acceptable, requires resubmission or has
warnings for future quality improvement. The DQR will be available for download in XML format against each report
batch. Refer section 7.8 of Reporting Format Guide for details.
7.10.8 How should Reporting Entities resolve errors?
Reporting Entities should use the DQR to examine the data quality errors. Reports that have fatal errors need to be
rectified and resubmitted. Reporting Entities should take necessary steps to rectify the error at source so that the
same errors are not repeated. Non-fatal errors are errors that are warning in nature. Reporting Entities need not
resubmit the reports containing non-fatal errors. Reporting Entities should take necessary action to rectify such
errors at source so that they do not recur. Reporting Entities should take necessary steps to ensure that the quality
of the data submitted improves progressively over time.
Financial Intelligence Unit India (FIU-IND)
26
Reporting Format Guide
Version 2.1
Modification of earlier submitted report
This section contains information about modification of an earlier submitted report which could be on account of
resubmission of rejected report (due to fatal errors), providing additional information to an earlier submitted report
or replacement of an incorrect report (data omitted or wrong data submitted in the original report).
8.1
Rejection of reports
If the report batch submitted by the reporting entities has reports with fatal errors, such reports would be rejected.
The list of all uploaded reports can be viewed on the FINnet Gateway in the section Reports > Uploaded reports.
For each batch, the number of reports in the batch which have been rejected due to fatal errors would be displayed
as Reports Rejected. The reporting entity is required to resubmit the rejected reports after corrections. The list of
all batches where reports have been rejected would be separately displayed in the section Reports > Rejected
reports. If the reporting entity submits a replacement batch after removing the errors, the details of rejected reports
would be updated after processing. The reporting entity can access following details about rejected reports on the
FINnet Gateway:
Information Field
Description
Report Type
CTR, STR, CCR, NTR
Submission Date
Date of successful upload
Batch Type
Batch Type having following values:
N- New report
R- Replacement report
D- Deletion report
Batch ID
Unique number generated for the batch
Report Month
Month and year of the report (in case of monthly reporting)
Batch Status
Status of batch having following values:
Submitted
Validated
Validated (AC)- Awaiting Confirmation
Invalid
Processed
Reports in Batch
Total number of reports in the batch
Reports Rejected (initial)
Number of reports in the batch which were rejected in the original batch due to
fatal errors
Reports Rejected (current)
Number of rejected reports in the batch which have not been rectified till date
Fatal Errors (current)
Number of fatal errors in the batch which have not been rectified till date
Download DQR
Link to download the Data Quality Report in XML format
8.2
Resubmission of rejected report
The Data Quality Report would contain information about reports in the batch which have been rejected along with
details of the fatal error. The Report Validation Utility can be used to link the Data Quality Report to the submitted
Financial Intelligence Unit India (FIU-IND)
27
Reporting Format Guide
Version 2.1
batch to extract the rejected reports in a separate batch. The reporting entity is required to rectify the errors in the
extracted rejected reports and upload it as a replacement batch.
8.3
Submission of additional information
If the reporting entity wants to submit additional information in relation to a previously submitted report, a
replacement report with complete information needs to be submitted. This submission could be to resolve a nonfatal error or in response to a request from FIU-IND. Refer to section 9.1 for additional information.
8.4
Modification of an incorrect report
If the reporting entity comes to know that data was omitted in original report or part of the data was wrongly
submitted, a replacement report needs to be submitted to modify a previously submitted report.
8.5
Deletion of an incorrect report
If the reporting entity comes to know that wrong data has been submitted in original report, a deletion report needs
to be submitted to delete a previously submitted report. However the entire report information needs to be
resubmitted in the batch to ensure that such deletion is not being requested by an unauthorised person.
8.6
Relevant Reporting Format Specifications
As mentioned Reporting Entities would like to modify a previously report in following cases:
Rejected reports due to fatal errors
Data omitted in original report
Wrong data submitted in original report
A separate batch has to be submitted where such resubmission is made and the batch should contain only one
type of report. The reporting entity should also provide batch level information in the element Batch/BatchDetails.
The information about report which has to be replaced or deleted is provided in the element Batch/Report. Both
these elements are explained in following sections.
8.6.1
Batch Details
The element Batchdetails provides information about the batch including BatchType, OriginalBatchId and
ReasonOfRevision. The details of the element are given in the Annxure A.1 of this document. The relevant
information in the element is as under:
Element
Description
Length
Mandatory
BatchNumber
Unique number of the Batch given by the reporting
entity.Reporting Entities should maintain a unique series
of numbers to be used as Batch Number. After successful
submission of the batch to FIU, a new unique BatchID will
be allotted for future reference. The reporting entities
should maintain the linkage between the BatchNumber
and BatchID.
11
Yes
BatchDate
Date of preparation of the batch in YYYY-MM-DD
10
Yes
MonthOfReport
The month to which the report pertains to (in case of
monthly reporting obligations such as CTR). Month
should be as per Gregorian calendar in the format 01, 02
etc. NA should be used for reports which do not have
Yes
Financial Intelligence Unit India (FIU-IND)
28
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
YearOfReport
The year to which the report pertains to (in case of
monthly reporting obligations such as CTR). Year should
be as per Gregorian calendar in the format 2010, 2011
etc. NA should be used for reports which do not have
monthly reporting obligations (STR etc.). Refer section
11.1.5.2 for further details on enumerations.
Yes
OperationalMode
Mode of operation of the batch. Permissible values are:
P - Production Mode
T - Test Mode
Refer section 11.1.5.3 for further details on enumerations.
Yes
BatchType
Type of Batch submitted. Permissible values are:
N - New Report
R - Replacement Report
D - Deletion Report
One batch can contain only one type of batch and one
type of report. If reports in the batches are being
submitted to remove errors or after including additional
information, the complete report needs to be resubmitted
as a replacement report. Refer section 11.1.5.4 for further
details on enumerations.
Yes
OriginalBatchID
BatchId of the original batch which is being replaced
deleted or referred by reports in the current batch. In case
the batch is new and unrelated to any previous batch,
mention 0 here.
10
Yes
ReasonOfRevision
Reason for revision when the original batch is replaced or
deleted. Permissible values are:
A - Acknowledgement of original batch had many
fatal, non fatal or probable errors which are being
resolved
B - Operational errors in original batch have been
identified and reports are being revised or deleted sou
moto
C - The replacement report is on account of additional
information being submitted
N - Not applicable as this is a new batch
Z - Other reason
Refer section 11.1.5.5 for further details on enumerations.
Yes
PKICertificateNum
PKI certificate number. This element is used when a
digital certificate is used to authenticate the report.
10
No
monthly reporting obligations (STR etc.). Refer section
11.1.5.1 for further details on enumerations.
Financial Intelligence Unit India (FIU-IND)
29
Reporting Format Guide
8.6.2
Version 2.1
Report details
Batch/Report provides details of the Reports in the batch. This element has been defined differently for each of the
reporting format in Annexure A.1, B.1 and C.1 of this document. However the elements ReportSerialNum and
OriginalReportSerialNum are common in all reporting formats which are defined as under:
Element
Description
ReportSerialNum
OriginalReportSerialNum
8.7
8.7.1
Length
Mandatory
The report serial number should be unique within a
batch.
Yes
Indicates the report serial number of the original
report that has to be replaced or deleted. In case the
report is new and unrelated to any previous report,
mention 0 here.
Yes
Frequently Asked Questions (FAQs)
How can uploaded reports be viewed?
The list of all uploaded reports can be viewed on the FINnet Gateway in the section Reports > Uploaded reports.
8.7.2
When do reports get rejected?
If the report batch submitted by the reporting entities has reports with fatal errors, such reports would be rejected.
8.7.3
How can rejected reports be viewed?
The list of all batches where reports have been rejected would be separately displayed in the section Reports >
Rejected reports. If the reporting entity submits a replacement batch after removing the errors, the details of
rejected reports would be updated after processing. Refer section 8.1 of Reporting Format Guide for details.
8.7.4
How can an incorrect report be modified?
If the reporting entity comes to know that data was omitted in original report or part of the data was wrongly
submitted, a replacement report needs to be submitted to modify a previously submitted report.
8.7.5
How can the rejected reports be segregated for resubmission?
The Data Quality Report would contain information about reports in the batch which have been rejected along with
details of the fatal error. The Report Validation Utility can be used to link the Data Quality Report to the submitted
batch to extract the rejected reports in a separate batch. The reporting entity is required to rectify the errors in the
extracted rejected reports and upload it as a replacement batch.
8.7.6
How can an incorrect report be deleted?
If the reporting entity comes to know that wrong data has been submitted in original report, a deletion report needs
to be submitted to delete a previously submitted report. However the entire report information needs to be
resubmitted in the batch to ensure that such deletion is not being requested by an unauthorised person.
Financial Intelligence Unit India (FIU-IND)
30
Reporting Format Guide
Version 2.1
Submission of additional information related to submitted report
This section explains submission of additional information or documents related to a previously submitted report.
Such a submission could be suo moto or in response to a request by FIU-IND. The reporting entity may need to
submit additional information related to a previously submitted report in following cases:
Additional information is needed by FIU-IND for analysis
Additional document is needed by FIU-IND for analysis
The reporting entity wants to suo moto submit additional document to support grounds of suspicion
Submission of additional information related to earlier submitted report is explained in following sections.
9.1
Request based submission of additional information
If additional information related to the submitted report is required for analysis, an information request will be
generated in XML format and communicated to the reporting entity using the FINnet Gateway. The information
requests will be displayed under the section Reports > Additional Information Required. The reporting entity would
be required to submit the information as replacement report.
9.2
Request based submission of additional documents
If additional documents such as KYC document related to the submitted report is required for analysis, an
information request will also be generated in XML format and communicated to the reporting entity using the FINnet
Gateway under the section Reports > Additional Information Required. If all additional information requested in a
batch has been received, the request will be closed.
9.3
Suo moto submission of additional documents
If reporting entity intends to submit additional documents such as KYC document, copy of instrument etc to support
grounds of suspicion, they are required to indicate Y in the element AdditionalDocuments in the element
Batch/Report/SuspicionDetails. In such cases, an information request will be generated in XML format and
communicated to the reporting entity using the FINnet Gateway under the section Reports > Additional Information
Required. The reporting entity would submit documents in a manner similar to request based submission of
additional documents.
9.4
9.4.1
Frequently Asked Questions (FAQs)
When should additional information related to previous report be submitted?
The reporting entity may need to submit additional information related to a previously submitted report in following
cases:
Additional information is needed by FIU-IND for analysis
Additional document is needed by FIU-IND for analysis
The reporting entity wants to suo moto submit additional document to support grounds of suspicion
9.4.2
What is request based submission of additional information?
If additional information related to the submitted report is required for analysis, an information request will be
generated in XML format and communicated to the reporting entity using the FINnet Gateway. The information
requests will be displayed under the section Reports > Additional Information Required. The reporting entity would
be required to submit the information as replacement report.
Financial Intelligence Unit India (FIU-IND)
31
Reporting Format Guide
9.4.3
Version 2.1
What is request based submission of additional documents?
If additional documents such as KYC document related to the submitted report is required for analysis, an
information request will also be generated in XML format and communicated to the reporting entity using the FINnet
Gateway under the section Reports > Additional Information Required. If all additional information requested in a
batch has been received, the request will be closed.
9.4.4
What is suo moto submission of additional documents?
If reporting entity intends to submit additional documents such as KYC document, copy of instrument etc to support
grounds of suspicion, they are required to indicate Y in the element AdditionalDocuments in the element
Batch/Report/SuspicionDetails. In such cases, an information request will be generated in XML format and
communicated to the reporting entity using the FINnet Gateway under the section Reports > Additional Information
Required. The reporting entity would submit documents in a manner similar to request based submission of
additional documents.
Financial Intelligence Unit India (FIU-IND)
32
Reporting Format Guide
Version 2.1
10 List of additional documents and files
Additional information related to submission of report is also available in following document and files:
User Guides
Report Generation Utility User Guide
Report Validation Utility User Guide
FINnet Gateway User Guide
XML Schemas
AccountBasedReport.xsd
TransactionBasedReport.xsd
CCRBasedReport.xsd
FIU-INDSchemaLibrary.xsd
DataQualityReport.xsd
Editable PDF forms
Cash Transaction Report (Account Based)
Cash Transaction Report (Transaction Based)
Suspicious Transaction Report (Account Based)
Suspicious Transaction Report (Transaction Based)
Counterfeit Currency Report
Financial Intelligence Unit India (FIU-IND)
33
Reporting Format Guide
Version 2.1
11 Annexure A - Account based Reporting format (ARF)
This section provides information about the schema documentation, data structure of text files and validation rules
for account based reporting format.
11.1 Annexure A.1 Schema Documentation for AccountBasedReport.xsd
This section provides information about the schema documentation for account based reporting format.
11.1.1 element Batch
Batch is the root element. This element is "the parent" of all other elements.
Figure: Overview of Batch
Table: Details of Batch
Element
Description
Length
Mandatory
Yes
Yes
Type of report in the batch.
ReportType
Permissible values are:
CTR - Cash Transaction Report
STR - Suspicious Transaction Report
NTR - NPO Transaction Report
One batch can contain only one prescribed type of report. Refer
section 11.1.1.1 for further details on enumerations.
Type of reporting format in the batch.
ReportFormatType
Permissible values are:
ARF Account based reporting format
One batch can contain only one prescribed type of reporting
format. Refer section 11.1.1.2 for further details on
enumerations.
BatchHeader
Details of the Batch Type and other version information. Refer
section 11.1.2 for details.
Section 11.1.2
Yes
ReportingEntity
Details of the Reporting Entity. Refer section 11.1.3 for details.
Section 11.1.3
Yes
Financial Intelligence Unit India (FIU-IND)
34
Reporting Format Guide
Element
Description
PrincipalOfficer
Version 2.1
Length
Mandatory
Details of the Principal Officer. Refer section 11.1.4 for details.
Section 11.1.4
Yes
BatchDetails
Details of the Batch of reports. Refer section 11.1.5 for details.
Section 11.1.5
Yes
Report
Details of Reports in the batch. Refer section 11.1.6 for details.
Section 11.1.6
Yes
11.1.1.1 Enumeration for ReportType
Report Type describes type of prescribed reports in the batch. One batch can contain only one prescribed type of
report.
Code Description
Remarks
CTR Cash Transaction Report
Contains information related to (a) All cash transactions of the value of more than rupees
ten lakhs or its equivalent in foreign currency;
(b) All series of cash transactions integrally connected to
each other which have been valued below rupees ten lakhs
or its equivalent in foreign currency where such series of
transactions have taken place within a month.
STR Suspicious Transaction Report
Contains information related to Suspicious transactions. Suspicious
transaction means a transaction referred to in clause (h)1, including
an attempted transaction, whether or not made in cash which, to a
person acting in good faith (a) gives rise to a reasonable ground of suspicion that it may
involve proceeds of an offence specified in the Schedule to
the Act, regardless of the value involved; or
(b) appears to be made in circumstances of unusual or
unjustified complexity; or
(c) appears to have no economic rationale or bonafide
purpose; or
(d) gives rise to a reasonable ground of suspicion that
it may involve financing of the activities related to terrorism.
NTR
Non Profit Organisation
Transaction Report
(NPO)
Contains information related to transactions involving receipts by
non-profit organisations of value more than rupees ten lakh, or its
equivalent in foreign currency.
11.1.1.2 Enumeration for ReportFormatType
Report Format Type describes type of reporting format in the batch. One batch can contain only one prescribed
type of reporting format.
Code Description
Remarks
ARF Account based reporting format
Account based reporting format (ARF) for reporting of account based
CTRs, STRs and NTRs
TRF
Transaction based reporting format
Transactions based reporting format (TRF) for reporting of
transaction based CTRs, STRs and NTRs
CRF
Counterfeit currency based reporting CCR reporting format (CRF) for reporting of counterfeit currency
format
reports (CCRs)
Rule 2(1)(h) of PML rules
Financial Intelligence Unit India (FIU-IND)
35
Reporting Format Guide
Version 2.1
11.1.2 element Batch/BatchHeader
BatchHeader contains information about the types of reports in the batch and version information.
Figure: Overview of BatchHeader
Table: Details of BatchHeader
Element
Description
Length
Mandatory
Yes
No
Yes
Version of the data structure used for generation of XML file.
DataStructureVersion
Permissible values are:
1 - Version 1.0
2 - Version 2.0
This value will be populated by the Report Generation Utility
during report generation. The value may be set to 2 if reporting
entities are directly creating XML file. Refer section 11.1.2.1 for
further details on enumerations.
Version of the Report Generation Utility which has generated the
XML file. This value will be populated by the Report Generation
GenerationUtilityVersion
Utility and need not be filled by reporting entities not using
Report Generation Utility.
Source of Data for XML file.
DataSource
Permissible values are:
pdf - Generated from editable pdf form
rgu - Direct data entry in Report Generation Utility
txt - Generated from Text file
xml Direct generation of XML file
This value will be populated by the utilities developed by FIUIND. The value should be set to xml if reporting entities are
directly creating XML file. Refer section 11.1.2.2 for further
details on enumerations.
Financial Intelligence Unit India (FIU-IND)
36
Reporting Format Guide
Version 2.1
11.1.2.1 Enumeration for DataStructureVersion
DataStructureVersion describes version of the data structure used for generation of XML file. This value will be
populated by the Report Generation Utility during report generation.
Code Description
Remarks
Version 1.0
When the XML file is generated using text files version 1.0
Version 2.0
When the XML file is generated using text files version 2.0. The value may be set to 2
if reporting entities are directly creating XML file
11.1.2.2 Enumeration for DataSource
DataSource describes source of data capture in the Report Generation Utility. This value will be populated by the
utilities developed by FIU-IND. The value may be set to XML if reporting entities are directly creating XML file.
Code Description
Remarks
PDF file
When the XML file is generated using PDF Form based utility
rgu
RGU file
When the XML file is generated by direct data entry in the utility
txt
Text file
When the XML file is generated from fixed width text file
xml
XML file
When the XML is generated by reporting entities directly
Financial Intelligence Unit India (FIU-IND)
37
Reporting Format Guide
Version 2.1
11.1.3 element Batch/ReportingEntity
ReportingEntity contains information about the reporting entity which is submitting the report batch.
Figure: Overview of ReportingEntity
Element
ReportingEntityName
Table: Details of ReportingEntity
Description
Complete name of the reporting entity (Bank,
financial institution, intermediary).
Length
Mandatory
80
Yes
Yes
12
No
The category to which the Reporting entity belongs.
ReportingEntityCategory
FIU has provided a five digit category code to
specify the category of the reporting entity.
Example: BAPUB for Public Sector banks. Refer
section 11.1.3.1 for details on enumerations.
Any unique number for the Reporting Entity.
RERegistrationNum
This number can be the registration number or any
number used in correspondence with the regulator.
This number will be used during verification of the
registration of the reporting entity and in
correspondence with the regulators. If the regulator
has not issued any number, the reporting entity
may use any other self generated number.
Financial Intelligence Unit India (FIU-IND)
38
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
10
Yes
Unique ID issued by FIU.
FIU will communicate the FIUREID during the
registration of the reporting entity on the FINnet
Gateway Portal. The FIUREID will be in the fomat
XXXXXNNNNN where XXXXX is generated in
accordance with section 11.1.3.1 and NNNNN is a
sequentially generated numder. Use
XXXXXNNNNN till the ID is communicated.
FIUREID
11.1.3.1 Enumeration for ReportingEntityCategory
FIU has provided following five digit category code to specify the category of the reporting entity.
S. No.
Category Code
Reporting Entity Category Description
BAPUB
Public Sector Banks
BASCB
BAPVT
Private Sector Banks
BASCB
BAFOR
Foreign Banks
BASCB
BARRB
Regional Rural Banks
BARRB
BALAB
Local Area Banks
BALAB
BASUC
Scheduled Urban Cooperative Banks
BAUCB
BANUC
Non Scheduled Urban Cooperative Banks
BAUCB
BASCO
State Cooperative Banks
BASCO
BADCB
District Cooperative Banks
BADCB
10
BAOTH
Other Banking Companies
BAOTH
11
FIINL
Life Insurance Companies
FIINL
12
FIINN
Non Life Insurance Companies
FIINN
13
FIHFC
Housing Finance Companies
FIHFC
14
FIAD1
Authorised Dealer Category I
FIAPR
15
FIAD2
Authorised Dealer Category II
FIAPR
16
FIAD3
Authorised Dealer Category III
FIAPR
17
FIFFM
Full Fledged Money Changer (FFMC)
FIAPR
18
FIMTP
Money Transfer Service Principal
FIMTP
19
FIMTA
Money Transfer Service Agent
FIMTA
20
FICSO
Card System Operators
FICSO
21
FICCP
Central Counter Party
FICCP
22
FIAFI
All India Financial Institutions
FIAFI
23
FIHPC
Hire Purchase Companies
FIHPC
Financial Intelligence Unit India (FIU-IND)
Prefix for REID
39
Reporting Format Guide
Reporting Entity Category Description
Version 2.1
S. No.
Category Code
24
FICFC
Chit Fund Companies
FICFC
25
FINBA
NBFC Accepting Deposits
FINBF
26
FINBN
NBFC not Accepting Deposits
FINBF
27
FIOTH
Other Financial Institutions
FIOTH
28
CASIN
Casinos
CASIN
29
INCOL
Collective Investment or MF Schemes
INCOL
30
INDEP
Depositories
INDEP
31
INDPP
Depository Participants
INDPP
32
INBRO
Share Brokers
INBRO
33
INBDS
Derivative Members
INBDS
34
INSTA
Share Transfer Agents
INSTA
35
INRTA
Registrars and Transfer Agents
INRTA
36
INMER
Merchant Bankers
INMER
37
INUND
Underwriters
INUND
38
INBAN
Bankers to an Issue
INBAN
39
INREG
Registrars to Issue
INREG
40
INPOM
Portfolio Managers
INPOM
41
INADV
Investment Advisors
INADV
42
INTRU
Trustees to Trust Deeds
INTRU
43
INCRE
Credit Rating Agencies
INCRE
44
INVCD
Domestic Venture Capital Funds
INVCD
45
INCUS
Custodian of Securities
INCUS
46
INFII
Foreign Institutional Investors
INFII
47
INVCF
Foreign Venture Capital Funds
INVCF
48
INCOM
Commodity Broker
INCOM
49
INSBR
Sub Brokers
INSBR
50
INOTH
Other Intermediaries
INOTH
51
RGRBI
Regulators - Reserve Bank of India
RGRBI
52
ZZZZZ
Others
ZZZZZ
53
XXXXX
Not Categorised
Financial Intelligence Unit India (FIU-IND)
Prefix for REID
40
Reporting Format Guide
Version 2.1
11.1.4 element Batch/PrincipalOfficer
PrincipalOfficer describes the information about the principal officer of the reporting entity.
Figure: Overview of Principal Officer
Table: Details of Principal Officer
Element
Description
POName
Principal Officers Name.
Length
Mandatory
80
Yes
80
Yes
Section 11.1.4.1
Yes
Section 11.1.4.2
Yes
50
No
Principal Officers Designation.
PODesignation
Example General Manager.
Details of the Principal Officers Address.
POAddress
Refer section 11.1.4.1 for details about the common
type Address.
Details of the Principal Officers Mobile phone number.
POPhone
POemail
Refer section 11.1.4.2 for details about the common
type Phone.
Principal Officers email address.
Financial Intelligence Unit India (FIU-IND)
41
Reporting Format Guide
Version 2.1
11.1.4.1 Type Address
Figure: Overview of Address
Table: Details of Address
Element
Description
Length
Mandatory
Address
Complete address consisting of house number, building name,
street, locality, city, state, country and pincode (optional).
225
Yes
City
Name of City/Town
50
No
Yes
10
No
Yes
State code that identifies the State.
StateCode
The two digit state code has to be mentioned as per Indian Motor
Vehicle Act 1988. Refer Annexure E for State codes. If state
code is not available, use XX.
Pin Code that identifies the locality.
PinCode
In case of India, the 6 digit Pin code as per India Posts has to be
mentioned. In case of countries outside India, respective code
may be used. If Pin code is not available, use XXXXXX.
Country code that identifies the country.
CountryCode The Country Code as per ISO 3166 has to be mentioned. Refer
Annexure F for Country codes. Use IN for India. If CountryCode
is not available, use XX.
11.1.4.2 Type Phone
Figure: Overview of Phone
Financial Intelligence Unit India (FIU-IND)
42
Reporting Format Guide
Version 2.1
Table: Details of Phone
Element
Description
Length
Mandatory
Telephone
Telephone number in format STD Code-Telephone number.
30
No
Mobile
Contact Mobile number.
30
No
Fax
Fax number in format STD Code-Telephone number.
30
No
11.1.5 element Batch/BatchDetails
BatchDetails contains information such as BatchNumber, BatchDate, MonthOfReport, BatchType etc.
Figure: Overview of BatchDetails
Financial Intelligence Unit India (FIU-IND)
43
Reporting Format Guide
Version 2.1
Table: Details of BatchDetails
Element
Description
Length
Mandatory
11
Yes
10
Yes
Yes
Yes
Yes
Yes
10
Yes
Unique number of the Batch given by the reporting entity.
BatchNumber
BatchDate
Reporting Entities should maintain a unique series of
numbers to be used as Batch Number. After successful
submission of the batch to FIU, a new unique BatchID will be
allotted for future reference. The reporting entities should
maintain the linkage between the BatchNumber and BatchID.
Date of preparation of the batch in YYYY-MM-DD
The month to which the report pertains to (in case of monthly
reporting obligations such as CTR).
MonthOfReport
Month should be as per Gregorian calendar in the format 01,
02 etc. NA should be used for reports which do not have
monthly reporting obligations (STR etc.). Refer section
11.1.5.1 for further details on enumerations.
The year to which the report pertains to (in case of monthly
reporting obligations such as CTR).
YearOfReport
Year should be as per Gregorian calendar in the format
2010, 2011 etc. NA should be used for reports which do not
have monthly reporting obligations (STR etc.). Refer section
11.1.5.2 for further details on enumerations.
Mode of operation of the batch.
OperationalMode
Permissible values are:
P - Production Mode
T - Test Mode
Refer section 11.1.5.3 for further details on enumerations.
Type of Batch submitted.
Permissible values are:
N - New Report
R - Replacement Report
D - Deletion Report
BatchType
One batch can contain only one type of batch and one type
of report. If reports in the batches are being submitted to
remove errors or after including additional information, the
complete report needs to be resubmitted as a replacement
report. Refer section 11.1.5.4 for further details on
enumerations.
BatchID of the original batch which is being replaced deleted
or referred by reports in the current batch.
OriginalBatchID
In case the batch is new and unrelated to any previous batch,
mention 0 here.
Financial Intelligence Unit India (FIU-IND)
44
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
Yes
10
No
Reason for revision to be stated when the original batch is
replaced or deleted.
Permissible values are:
A - Acknowledgement of original batch had many fatal,
non fatal or probable errors which are being resolved
B - Operational errors in original batch have been
ReasonOfRevision
identified and reports are being revised or deleted suo
moto
C - The replacement report is on account of additional
information being submitted
N - Not applicable as this is a new batch
Z - Other reason
Refer section 11.1.5.5 for further details on enumerations.
PKI certificate number.
PKICertificateNum
This element is used when a digital certificate is used to
authenticate the report.
11.1.5.1 Enumeration for MonthOfReport
Code Description
01
January
02
February
03
March
04
April
05
May
06
June
07
July
08
August
09
September
10
October
11
November
12
December
NA
Not Applicable (if there is no monthly reporting obligation e.g. STR)
11.1.5.2 Enumeration for YearOfReport
Enumeration for YearOfReport is from 2005 to 2020. Value of NA (Not Applicable) may be used if there is no
monthly reporting obligation e.g. STR.
Financial Intelligence Unit India (FIU-IND)
45
Reporting Format Guide
Version 2.1
11.1.5.3 Enumeration for OperationalMode
Code Description
Remarks
Production Mode
Live environment
Test Mode
Test or training mode
11.1.5.4 Enumeration for BatchType
Code Description
Remarks
New Report
Indicates a new report
Replacement Report
To be used when an earlier report has to be replaced with the
current report
Deletion Report
To be used when an earlier report has to be deleted.
11.1.5.5 Enumeration for ReasonOfRevision
Code Description
Remarks
Acknowledgement of original batch Even if missing information has to be supplied a complete
had many fatal, non fatal or replacement report has to be submitted instead of an
probable errors which are being incremental report
resolved
Operational errors in original batch Both replacement and deletion report can be submitted if
have been identified and reports are operational errors are detected
being revised or deleted suo moto
The replacement report is on Only replacement report can be submitted to provide additional
account of additional information information
being submitted
Not applicable as this is a new batch All new or original batch will have this value
Other reason
Financial Intelligence Unit India (FIU-IND)
If replacement or deletion reports is being submitted for reasons
other than A, B or C above
46
Reporting Format Guide
Version 2.1
11.1.6 element Batch/Report
Report element provides details of the Reports in the batch. The Reports are uniquely identified by the
ReportSerialNum.
Figure: Overview of Reports
Table: Details of Batch/Reports
Element
Description
Length
Mandatory
Yes
Yes
80
No
The number uniquely represents a report within a batch.
ReportSerialNum
The ReportSerialNum should be unique within the batch.
This number alongwith BatchID will uniquely identify any
report received by FIU.
The ReportSerialNum of the original report that has to be
replaced or deleted.
OriginalReportSerialNum This number alongwith OriginalBatchID will uniquely
identify the report which is being replaced or deleted. In
case there is no replacement or deletion of any report,
mention 0 here.
Name of the main person for the report.
MainPersonName
The reporting entity should try to identify one main person
or legal entity in the report.
SuspicionDetails
Details of the Suspicion. This element will be present only
in STR. Refer section 11.1.7 for details.
Section
11.1.7
No
Account
Details of the Account. This element will not be present if
account has not been opened. Refer section 11.1.8 for
details.
Section
11.1.8
No
Financial Intelligence Unit India (FIU-IND)
47
Reporting Format Guide
Version 2.1
11.1.7 element Batch/Report/SuspicionDetails
SuspicionDetails provides information about the suspicion in the STR. This element is not required in other reports.
Figure: Overview of Suspicion details
Financial Intelligence Unit India (FIU-IND)
48
Reporting Format Guide
Element
Table: Details of SuspicionDetails
Description
Version 2.1
Length Mandatory
Source of alert for initiation of the STR.
SourceOfAlert
Permissible values are:
CV Customer Verification
WL - Watch List
TY - Typology
TM - Transaction Monitoring
RM - Risk Management System
MR - Media Reports
LQ - Law Enforcement Agency Query
EI - Employee Initiated
PC - Public Complaint
BA Business Associates
ZZ - Others
XX - Not Categorised
Yes
100
No
Yes
Refer section 11.1.7.1 for further details on enumerations.
Red Flag indicator which had generated alert resulting in STR.
AlertIndicator
The reporting entity may use a standard language of the red
flag indicator. The reporting entity may use the language used
in the instructions of the regulator or communication of FIUIND.
One STR can have more than one AlertIndicator. In the XML
format more than one indicator can be mentioned for a report.
In the fixed text format, the number of indicators for a report is
limited to three.
Whether the suspicion is on account of clause (a) of Rule 2(1)
(g)2 related to proceeds of an offence specified in the Schedule
to the Act, regardless of the value involved.
SuspicionDueToProceedsOfCrim Permissible values are:
e
Y- Yes
N - No
X Not categorised
One STR may be related to more than one clause.
Rule 2(1)(g) of PML Rules
Financial Intelligence Unit India (FIU-IND)
49
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Whether the suspicion is on account of clause (b) of Rule 2(1)
(g) related to circumstances of unusual or unjustified
complexity.
SuspicionDueToComplexTrans
Permissible values are:
Y- Yes
N- No
X Not categorised
Yes
Yes
Yes
Yes
One STR may be related to more than one clause.
Whether the suspicion is on account of clause (c) of Rule 2(1)
(g) related to no economic rationale or bonafide purpose.
SuspicionDueToNoEcoRationale
Permissible values are:
Y- Yes
N - No
X Not categorised
One STR may be related to more than one clause.
Whether the suspicion is on account of clause (d) of Rule 2(1)
(g) related to financing of the activities related to terrorism.
SuspicionOfFinancingOfTerroris
m
Permissible values are:
Y- Yes
N - No
X Not categorised
One STR may be related to more than one clause.
AttemptedTransaction
Whether the STR relates to an attempted transaction that was
not completed. Permissible values are:
Y- Yes
N - No
X Not categorised
Financial Intelligence Unit India (FIU-IND)
50
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Summary of suspicion and sequence of events covering
following aspects:
Background/profile/occupation of the customer and
other related individuals/entities.
When did the relationship with the customer begin?
How was suspicion detected?
What information was linked or collected during the
review process?
What explanation was provided by the subject(s) or
other persons (without tipping off)?
GroundsOfSuspicion
Summary of suspicion
4000
Yes
4000
No
Yes
250
No
Whether the suspicious activity is an isolated incident
or relates to another transaction?
Who benefited, financially or otherwise, from the
transaction(s), how much, and how (if known)?
What is the volume of transactions in reported
accounts in the financial year, and what is the volume
of cash transactions?
Whether any STR filed for the customer earlier?
Any additional information that might assist law
enforcement authorities.
Details about investigation being conducted covering the name
of agency, contact person and contact details.
DetailsOfInvestigation
The investigation could be both internal to the reporting entity
or any investigation by law enforcement agency. In case of law
enforcement agency the details of contact person needs to be
separately furnished under LEADetails below.
Whether any Law enforcement agency is informed about the
incident reported in the STR.
LEAInformed
Permissible values are:
R - Information received
S - Information sent
N - No correspondence sent or received
X - Not categorised.
Refer section 11.1.7.2 for further details on enumerations.
Contact details of person in the law enforcement agency which
is conducting the investigation.
LEADetails
The details of the investigation should be furnished under
DetailsOfInvestigation above.
Financial Intelligence Unit India (FIU-IND)
51
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Priority attached to the report as per assessment of the
reporting entity.
PriorityRating
Permissible values are:
P1 - Very High Priority
P2 - High Priority
P3 - Normal Priority
XX - Not categorised
Yes
Yes
Yes
The reporting entity can attach P1 priority for reports which
requires immediate attention of FIU. Refer section 11.1.7.3 for
further details on enumerations.
Whether all the suspicious transactions are covered or a
sample set is being reported?
ReportCoverage
Permissible values are:
C - Complete
P - Partial
X - Not categorised
Refer section 11.1.7.4 for further details on enumerations.
Whether the reporting entity wants to submit additional
documents separately for the STR.
AdditionalDocuments
Permissible values are:
Y - Yes
N - No
X - Not categorised
The reporting entity cant upload additional documents with the
report. FIU-IND will send a separate request for providing
additional information.
11.1.7.1 Enumeration for SourceOfAlert
Code Description
Remarks
CV
Customer Verification
Detected during customer acceptance, identification or
verification (excluding reasons mentioned in other codes) (e.g.
Use of forged ID, wrong address etc.)
WL
Watch List
The customer details matched with watch lists (e.g. UN list,
Interpol list etc.)
TY
Typology
Common typologies of money laundering, financing of terrorism
or other crimes (e.g. structuring of cash deposits etc.)
TM
Transaction Monitoring
Transaction monitoring alert (e.g. unusually large transaction,
increase in transaction volume etc.)
RM
Risk Management System
Risk management system based alert (e.g. high risk customer,
country, location, source of funds, transaction type etc.)
Financial Intelligence Unit India (FIU-IND)
52
Reporting Format Guide
MR
Version 2.1
Media Reports
Adverse media reports about customer (e.g. newspaper reports)
Law Enforcement Agency Query
Query or letter received from law enforcement agency (LEA) or
intelligence agency (e.g. blocking order received, transaction
details sought etc.)
EI
Employee Initiated
Employee raised alert (e.g. behavioral indicators such as
customer had no information about transaction, attempted
transaction etc.)
PC
Public Complaint
Complaint received from public (e.g. abuse of account for
committing fraud etc.)
BA
Business Associates
Information received from other institutions, subsidiaries or
business associates (e.g. cross-border referral, alert raised by
agent etc.)
ZZ
Others
Sources other than mentioned above
XX
Not Categorised
The information is not available. No category has been selected
LQ
11.1.7.2 Enumeration for LEAInformed
Code Description
Remarks
Information received
Correspondence has been received from any Law Enforcement
Agency (LEA) on this case
Information sent
Matter has been referred to LEA for enquiries/investigations
No correspondence sent or received
The LEA is not aware of the case
Not Categorised
The information is not available. No category has been selected
11.1.7.3 Enumeration for PriorityRating
Code Description
Remarks
P1
Very High Priority
For immediate attention by FIU
P2
High Priority
For attention of FIU
P3
Normal Priority
Reasonable time
XX
Not Categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
53
Reporting Format Guide
Version 2.1
11.1.7.4 Enumeration for ReportCoverage
Code Description
Remarks
Complete
All suspicious transactions have been reported
Partial
Reported transactions are sample transactions and there are
many more similar transactions.
Not Categorised
The information is not available. No category has been selected
11.1.8 element Batch/Report/Account
Account contains details of the account, branch, persons and transactions.
Figure: Overview of Account
Financial Intelligence Unit India (FIU-IND)
54
Reporting Format Guide
Version 2.1
Table: Details of Account
Element
Description
Length
Mandatory
AccountDetails
Details of the account.
Refer section 11.1.9 for details.
Section 11.1.9
Yes
Branch
Details of the branch associated with the
account.
Refer section 11.1.10 for details.
Section 11.1.10
Yes
PersonDetails
Details of the person linked to the account.
Refer section 11.1.14 for details.
Section 11.1.14
Yes
Transaction
Details of the transaction in the account.
Refer section 11.1.19 for details.
Section 11.1.19
No
Financial Intelligence Unit India (FIU-IND)
55
Reporting Format Guide
Version 2.1
11.1.9 element Batch/Report/Account/AccountDetails
AccountDetails describes the account number, type, account status, turnover details and risk rating.
Figure: Overview of Account Details
Financial Intelligence Unit India (FIU-IND)
56
Reporting Format Guide
Element
Table: Details of AccountDetails
Description
AccountNumber
Account number
Version 2.1
Length
Mandatory
20
Yes
Yes
80
Yes
Type of account.
AccountType
Permissible values are:
BS - Savings Account
BC - Current Account
BR - Cash Credit/Overdraft Account
BD - Credit Card Account
BP - Prepaid Card Account
BL - Loan Account
BT - Term Deposit Account
BG Letter of Credit/Bank Guarantee
IL - Term Insurance Policy
IE - Endowment Policy
IA - Annuity Policy(Excluding ULIP)
IU - ULIP Policy
IH - Health Insurance Policy
IM - Motor Insurance Policy
IT - Travel Insurance Policy
IB Money Back Policy
IW Whole Life Policy
ST - Trading Account
MF Mutual Fund Folio
DB - Beneficiary Client Account
DH - Beneficiary House Account
DC - Clearing Member Pool Account
ZZ - Others
XX - Not Categorised
Refer section 11.1.9.1 for further details on
enumerations.
HolderName
Name of first/sole account holder.
Financial Intelligence Unit India (FIU-IND)
57
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
Yes
Yes
10
No
Yes
Type of the account holder.
AccountHolderType
Permissible values are:
A - Resident Individual
B - Legal Person/Entity (excluding C,D,E
and F)
C - Central/State Government
D - Central/State Government owned
undertaking
E Reporting Entity
F- Non Profit Organisation
G- Non-residential individual
H - Overseas corporate body/FII
Z Others.
X - Not categorised
Refer section 11.1.9.2 for further details on
enumerations.
Status of the account.
AccountStatus
Permissible values are:
A - Active
I - Inactive
D Dormant
S - Suspended
F - Frozen
C - Closed
Z - Others
X - Not categorised
Refer section 11.1.9.3 for further details on
enumerations.
Date of account opening.
DateOfOpening
Mention the date in YYYY-MM-DD Format
Risk category as per the internal risk
assessment.
RiskRating
Permissible values are:
A1 - High Risk Account
A2 - Medium Risk Account
A3 - Low Risk Account
XX - Not categorised
Refer section 11.1.9.4 for further details on
enumerations.
Financial Intelligence Unit India (FIU-IND)
58
Reporting Format Guide
Element
Version 2.1
Description
Length
Mandatory
20
No
st
CumulativeCreditTurnover
Sum of all credits in the Bank account from 1
April of the financial year till the last day of the
month of reporting. If report is being furnished
st
for Jan 2010 then transactions from 1 April
2009 to 31st Jan 2010 have to be
aggregated. The amount should be rounded
off to nearest rupee without decimal. For
STRs generated in the middle of the month,
the transactions upto generation of alert
needs to be aggregated.
CumulativeDebitTurnover
Sum of all debits in the account from 1 April
of the financial year till the last day of the
month/alert. The amount should be rounded
off to nearest rupee without decimal.
20
No
CumulativeCashDepositTurnover
Sum of cash deposits in the account from 1st
April of the financial year till the last day of the
month/alert. The amount should be rounded
off to nearest rupee without decimal.
20
No
Sum of cash withdrawals in the account from
CumulativeCashWithdrawalTurnov 1st April of the financial year till the last day of
er
the month/alert. The amount should be
rounded off to nearest rupee without decimal.
20
No
Yes
st
If no transaction is required to be reported.
Permissible values are:
Y Yes (No transaction to be reported)
N - No (Transactions are reported)
X Not Categorised
NoTransactionsToBeReported*
This information will be used to identify
accounts in which no transactions are
required to be reported due to threshold
requirements (50,000/- for CTRs by banking
companies) or attempted transactions (for
STR).
11.1.9.1 Enumeration for AccountType
Code Description
Remarks
BS
Savings Account
Banks and other institutions
BC
Current Account
Banks and other institutions
BR
Cash Credit/Overdraft Account
Banks and other institutions
BD
Credit Card Account
Banks and other institutions
BP
Prepaid Card Account
Banks and other institutions
BL
Loan Account
Banks and other institutions
BT
Term Deposit Account
Banks and other institutions
Financial Intelligence Unit India (FIU-IND)
59
Reporting Format Guide
Code Description
Version 2.1
Remarks
BG
Letter of Credit/Bank Guarantee
Banks and other institutions
IL
Term Insurance Policy
Insurance Companies
IE
Endowment Policy
Insurance Companies
IA
Annuity Policy (Excluding ULIP)
Insurance Companies
IU
ULIP Policy
Insurance Companies
IH
Health Insurance Policy
Insurance Companies
IM
Motor Insurance Policy
Insurance Companies
IT
Travel Insurance Policy
Insurance Companies
IB
Money Back Policy
Insurance Companies
IW
Whole Life Policy
Insurance Companies
ST
Trading Account
Stock Brokers
MF
Mutual Fund Folio
Mutual Funds
DB
Beneficiary Client Account
Depositories
DH
Beneficiary House Account
Depositories
DC
Clearing Member Pool Account
Depositories
ZZ
Others
All Sectors
XX
Not Categorised
The information is not available. No category has been selected
11.1.9.2 Enumeration for AccountHolderType
Code Description
Remarks
Resident Individual
Legal Person/Entity
Central/State Government
Central/State Government undertaking
Reporting Entity
Non Profit Organisation
Non- resident Individual
Overseas corporate body/FII
Others
Not listed above
Not Categorised
The information is not available. No category has
been selected
Financial Intelligence Unit India (FIU-IND)
Excluding C,D,E, F
The account belongs to other bank, financial
institution or intermediary
60
Reporting Format Guide
Version 2.1
11.1.9.3 Enumeration for AccountStatus
Code Description
Remarks
Active
Account is in regular use/policy inforce
Inactive
Account is not in regular use/ policy lapsed
Dormant
As defined by regulator (eg. There is no transaction
in the account for two years)/ paid up policy lapsed
after paying premiums for 3 or more years
Suspended
Account/policy risk is temporarily suspended
Frozen
Account/policy is frozen (including case of debit
freeze)
Closed
Account is closed/policy foreclosed, surrendered,
death or maturity claim paid
Others
Not listed above
Not Categorised
The information is not available. No category has
been selected
11.1.9.4 Enumeration for RiskRating
Code Description
A1
High Risk Account
A2
Medium Risk Account
A3
Low Risk Account
XX
Not Categorised
Remarks
Very High or High Risk
The information is not available. No category has
been selected
11.1.10 element Batch/Report/Account/Branch
Branch provides information of the number and details of the branch associated with the account.
Financial Intelligence Unit India (FIU-IND)
61
Reporting Format Guide
Version 2.1
Figure: Overview of Branch
Table: Details of Branch
Element
Description
Length
Mandatory
Yes
20
Yes
Section
11.1.11
No
The type of branch reference number used.
BranchRefNumType*
Permissible values are:
R Regulator Issued
B BIC
I IFSC
M MICR Code
S Self generated
Z Other sources
X Not categorised
Entities with no Branch reference number can be
given a self generated number (S) to uniquely
identify the branch. Refer section 11.1.10.1 for
further details on enumerations.
BranchRefNum
The unique number to uniquely identify the branch.
The type of BranchRefNum should be specified
under BranchRefNumType above.
BranchDetails
Details of the branch associated with account.
Refer section 11.1.11 for details.
Financial Intelligence Unit India (FIU-IND)
62
Reporting Format Guide
Version 2.1
11.1.10.1 Enumeration for BranchRefNumType
Code
Description
Remarks
Regulator Issued
Number issued or used by the regulator (other than B, I, M below)
BIC
11 digit Bank identifier code
IFSC
11 digit Indian Financial System Code
MICR Code
9 digit Magnetic Ink Character Recognition Code
Self Generated
The branch reference number mentioned in the report is a self generated unique
number
Other sources
Sources other than mentioned above
Not Categorised
The information is not available. No category has been selected
11.1.11 element Batch/Report/Account/Branch/BranchDetails
BranchDetails provides information of the branch associated to the account.
Figure: Overview of BranchDetails
Financial Intelligence Unit India (FIU-IND)
63
Reporting Format Guide
Version 2.1
Table: Details of BranchDetails
Element
Description
Length
Mandatory
BranchName
Name of Branch
80
Yes
BranchAddress
Details of the branch address.
Refer section 11.1.12 for details.
Section
11.1.12
Yes
BranchPhone
Details of the branch phone.
Refer section 11.1.13 for details.
Section
11.1.13
Yes
BranchEmail
Branch email id
50
No
11.1.12 element Batch/Report/Account/Branch/BranchDetails/BranchAddress
BranchAddress refers to the communication address of the branch. Refer section 11.1.4.1 for details of Type
Address.
11.1.13 element Batch/Report/Account/Branch/BranchDetails/BranchPhone
Refer section 11.1.4.2 for Type Phone.
11.1.14 element Batch/Report/Account/PersonDetails
PersonDetails provides information on the person whether individual or a legal person.
Financial Intelligence Unit India (FIU-IND)
64
Reporting Format Guide
Version 2.1
Figure: Overview of PersonDetails
Financial Intelligence Unit India (FIU-IND)
65
Reporting Format Guide
Version 2.1
Table: Details of PersonDetails
Element
Description
Length
Mandatory
PersonName
Full name of Individual or the Legal Person/Entity.
80
Yes
CustomerID
Customer ID/Number.
10
No
Yes
Relation of the person to the Account.
RelationFlag
Permissible values are:
A - Account Holder
B - Authorised Signatory
C - Proprietor/Director/Partner/Member of a legal
entity
D - Introducer
E Guarantor
F - Guardian
N Nominee
O Beneficial Owner
P Proposer
G - Assignee
L - Life Assured
J Beneficiary
H Power of Attorney
Z - Others
X - Not Categorised.
Refer section 11.1.14.1 for further details on
enumerations.
CommunicationAddress
Details of the persons communication address.
Refer section 11.1.15 for details.
Section
11.1.15
Yes
Phone
Details of the persons phones.
Refer section 11.1.16 for details.
Section
11.1.16
No
Contact email.
50
No
SecondAddress
Details of the persons second or alternate address.
Refer section 11.1.15 for details.
Section
11.1.15
No
PAN
Ten Digit PAN card number issued by Income Tax
Department.
10
No
UIN
Use UIDAI number for individuals and any other unique
identification number for legal entity (if available).
30
No
Section
11.1.17 &
11.1.18
Yes
Choice compositor.
Choice
Whether person is Individual or Legal Person.
Financial Intelligence Unit India (FIU-IND)
66
Reporting Format Guide
Version 2.1
11.1.14.1 Enumeration for RelationFlag
Code Description
Remarks
Account Holder
Person in whose name the account stands
Authorised Signatory
Office or representative vested with the powers to
commit the authorizing organisation to a binding
agreement.
Proprietor/Director/Partner/Member of a legal entity
Individuals linked to the legal entity in various
capacities
Introducer
Person who introduced the account to the reporting
entity
Guarantor
A person who contracts to perform the promise, or
discharge the liability, of a third person in case of his
default.
Guardian
Person who operates the account on behalf of a
minor
Nominee
E.g. Nominee as per section 45ZA of the BR act
1949, insurance
Beneficial Owner
Beneficial owner i.e the natural person who
ultimately owns or controls a client and or the person
on whose behalf a transaction is being conducted,
and includes a person who exercises ultimate
effective control over a juridical person
Proposer
Insurance Companies
Assignee
Insurance Companies
Life Assured
Insurance Companies
Beneficiary
Insurance Companies
Power of Attorney
Written document conferring authority on the agent
to perform certain acts or functions on behalf of the
principal.
Banks, Insurance and Intermediaries
Others
Not listed above (including non customer in case of
attempted transactions)
Not Categorised
The information is not available. No category has
been selected
11.1.15 element Batch/Report/Account/PersonDetails/CommunicationAddress
Refer section 11.1.4.1 for Type Address
11.1.16 element Batch/Report/Account/PersonDetails/Phone
Refer section 11.1.4.2 for Type Phone
Financial Intelligence Unit India (FIU-IND)
67
Reporting Format Guide
Version 2.1
11.1.17 element Batch/Report/Account/PersonDetails/Individual
PersonDetails/Individual provides details of the individual and identification related information
Figure: Overview of Individual
Financial Intelligence Unit India (FIU-IND)
68
Reporting Format Guide
Version 2.1
Table: Details of Individual
Element
Description
Length
Mandatory
Yes
10
No
Yes
Sex of the Individual.
Permissible values are:
M- Male
F- Female
X- Not Categorised.
Gender
Refer section 11.1.17.1 for further details on enumerations.
DateOfBirth
Date of Birth in YYYY-MM-DD format
Document submitted as proof of identity of the individual.
IdentificationType
Permissible values are:
A - Passport
B - Election ID Card
C - Pan Card
D - ID Card
E - Driving License
F - Account Introducer
G - UIDAI Letter
H - NREGA job card
Z Others
Refer section 11.1.17.2 for further details on enumerations.
IdentificationNumber
Number mentioned in the identification document.
20
No
IssuingAuthority
Authority which had issued the identification document.
20
No
PlaceOfIssue
Place where document was issued.
20
No
Yes
Nationality of the person.
Nationality
Mention the two digit Country code as per ISO 3166
standards. Refer Annexure F for country codes
PlaceOfWork
Name of organisation/employer
80
No
FatherOrSpouse
Full Name of Father/Spouse
80
No
Occupation
Job of the individual
50
No
11.1.17.1 Enumeration for Gender
Code Description
M
Male
Female
Not Categorised
Remarks
The information is not available. No category has been selected
11.1.17.2 Enumeration for IdentificationType
Code Description
A
Passport
Financial Intelligence Unit India (FIU-IND)
Remarks
Same as A used in version 1.0
69
Reporting Format Guide
Code Description
Version 2.1
Remarks
Election Id Card
Same as B used in version 1.0
Pan Card
Same as C used in version 1.0
ID Card
Same as D used in version 1.0
Driving License
Same as E used in version 1.0
Account Introducer
Same as F used in version 1.0
UIDAI letter
Issued by the Unique Identification Authority of India (UIDAI)
NREGA job card
Signed by an officer of the State Government
Others
Not listed above
11.1.18 element Batch/Report/Account/PersonDetails/LegalPerson
LegalPerson provides information about Legal person or entity.
Figure: Overview of Legal person
Financial Intelligence Unit India (FIU-IND)
70
Reporting Format Guide
Version 2.1
Table: Details of LegalPerson
Element
Description
Length
Mandatory
Yes
Type of constitution of legal person/entity.
ConstitutionType
Permissible values are:
A - Sole Proprietorship
B - Partnership Firm
C - HUF
D - Private Limited Company
E - Public Limited Company
F - Society
G - Association
H - Trust
I - Liquidator
J - LLP
Z - Others
X Not Categorised.
Refer section 11.1.18.1 for further details on
enumerations
RegistrationNumber
Registration Number as mentioned in the document
20
No
DateOfIncorporation
Date of incorporation in YYYY-MM-DD format
10
No
PlaceOfRegistration
Place where the document was registered.
20
No
CountryCode
The two digit country code in which the entity is
incorporated.
Mention country code as per ISO 3166. Refer Annexure
F for country codes.
Yes
NatureOfBusiness
Nature of Business
50
No
11.1.18.1 Enumeration for ConstitutionType
Code Description
Remarks
Sole Proprietorship
Partnership Firm
HUF
Private Limited Company
Public Limited Company
Society
Association
Trust
Liquidator
LLP
Limited Liability Partnership
Others
Not listed above
Not Categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
Hindu Undivided family
71
Reporting Format Guide
Version 2.1
11.1.19 element Batch/Report/Account/Transaction
Transaction provides information about the transactions in the account.
Figure: Overview of Transaction
Financial Intelligence Unit India (FIU-IND)
72
Reporting Format Guide
Version 2.1
Table: Details of Transaction
Element
Description
Length
Mandatory
DateOfTransaction
Date of transaction in YYYY-MM-DD format
10
Yes
TransactionID
Unique ID to identify transaction (if available)
20
No
Yes
Yes
20
Yes
Yes
Section
11.1.20
No
Mode in which the transaction was conducted.
TransactionMode
Permissible values are:
A Cheque
B Internal Transfer
C - Cash
D - Demand Draft/Pay Order
E - Electronic Fund Transfer
F Exchange Based Transaction
G Securities transaction
S Switching Transaction
Z Others
X Not Categorised.
Refer section 11.1.19.1 for details on enumerations.
DebitCredit
Debit or credit. Permissible values are:
D - Debit
C - Credit
X - Not Categorised.
Refer section 11.1.19.2 for details on enumerations.
Amount of transaction.
Amount
The amount should be rounded off to nearest rupee
without decimal. If this amount is not in Indian Rupees,
then convert to Indian Rupees.
Currency of transaction.
Currency
INR for Indian Rupees, Mention currency code as per
ISO 4127. Refer Annexure G for Currency codes.
ProductTransaction
Details of the products linked to the transaction.
Refer section 11.1.20 for details.
DispositionOfFunds
Reserved for later use. Use value X.
No
RelatedAccountNum
Account number (if available) from/to which funds was
transferred.
20
No
RelatedInstitutionName
Name of the institution (if available) from / to which
funds were transferred.
20
No
Institution reference number of the institution (if
available) from / to which funds were transferred.
RelatedInstitutionRefNum
This reference number should enable linkage with the
BranchRefNum in the element
Batch/Report/Account/Branch which has been
explained in section 11.1.10.
20
No
Remarks
Any additional information that needs to be provided.
50
No
Financial Intelligence Unit India (FIU-IND)
73
Reporting Format Guide
Version 2.1
11.1.19.1 Enumeration for TransactionMode
Code Description
Remarks
Code Used in Version 1.0
Cheque
Inter bank transfer
Internal Transfer
Transfer within the Institution
Cash
Demand Draft/Pay
Order
Demand Draft, Pay Order
Electronic Fund
Transfer
Swift, cross border payment platforms, TT, RTGS,
NEFT
Exchange Based
Transaction
Any exchange based transaction
New
Securities
Transaction
Any Securities based transaction
New
Switching
Transaction
Switching transaction (switching of products) like
switching of mutual funds
New
Others
Not listed above
Not Categorised
The information is not available
11.1.19.2 Enumeration for DebitCredit
Code Description
D
C
X
Remarks
Debit
Debit transaction in the account
Banks - Withdrawal by customer
Insurance companies - Payments made to customers, nominees
Intermediaries Amount paid by the intermediary to the client
Credit
Credit transaction in the account
Banks - Deposit by customer
Insurance companies Payments received from customers
Intermediaries - Amount deposited by the client with intermediary
Not Categorised
Financial Intelligence Unit India (FIU-IND)
74
Reporting Format Guide
Version 2.1
11.1.20 element Batch/Report/Account/Transaction/ProductTransaction
ProductTransaction describes the various products if it is linked to the transaction.
Figure: Overview of ProductTransaction
Table: Details of ProductTransaction
Element
Description
Length
Mandatory
Yes
30
No
Type of product linked with the transaction.
ProductType
Permissible values are:
BD Bonds
ST - Securities
CD - Certificate of Deposit
CP - Commercial Paper
EQ - Equity Shares
FU - Futures
OP - Options
DF - Debt Funds
EF - Equity Fund
HF - Hybrid Funds
LF - Liquid Funds
MF - MIP Funds
XF - Exchange Traded Funds
CO Commodities
IP Insurance Products
ZZ - Others
XX - Not Categorised.
Refer section 11.1.20.1 for details on enumerations.
Product identitier
Identifier
Example- ISIN for security
Financial Intelligence Unit India (FIU-IND)
75
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
Yes
20
No
10
No
Type of product transaction linked to the financial
transaction
TransactionType
Permissible values are:
BP - Buy/Purchase
SR - Sale/Redemption
IA - Annuity payment
IP - Pension
IC - Commutation
ID - Death claim
IM - Maturity
IB - Survival benefits
IF - Free look cancellation
IW - Withdrawal
IS Surrender
IG Assignment
IE Decline
IX Excess Refund
IR Premium Payment
IL Loan Repayment
DD - Dematerialisation/Conversion of Mutual fund
units in demat form
DR Rematerialisation/Repurchase
DO - Off Market trade
DM - Market transfers
DI - Inter Settlement transfers
DP - Pledge and Hypothecation
DC - Corporate action
ZZ - Others
XX - Not Categorised.
Refer section 11.1.20.2 for further details on
enumerations.
Unit of product
Units
If the product is measured in units, mention the number
of units involved in the transaction.
Unit rate of the product in Indian rupees
Rate
If the transaction involves a rate, update the applicable
rate for the transaction.
11.1.20.1 Enumeration for ProductType
Code Description
BD
Bonds
ST
Securities
CD
Certificate of Deposit
CP
Commercial Paper
Financial Intelligence Unit India (FIU-IND)
Remarks
76
Reporting Format Guide
Code Description
Version 2.1
Remarks
EQ
Equity Shares
FU
Futures
OP
Options
DF
Debt Funds
Mutual Funds
EF
Equity Fund
Mutual Funds
HF
Hybrid Funds
Mutual Funds
LF
Liquid Funds
Mutual Funds
MF
MIP Funds
Mutual Funds
XF
Exchange Traded Funds
Mutual Funds
CO
Commodities
IP
Insurance Products
ZZ
Others
Not listed above
XX
Not Categorised
The information is not available. No category has been selected
11.1.20.2 Enumeration for TransactionType
Code Description
Remarks
BP
Buy/Purchase
SR
Sale/Redemption
IA
Annuity payment
Insurance Companies
IP
Pension
Insurance Companies
IC
Commutation
Insurance Companies
ID
Death claim
Insurance Companies
IM
Maturity
Insurance Companies
IB
Survival benefits
Insurance Companies (including money back)
IF
Free look Cancellation
Insurance Companies
IW
Withdrawal
Insurance Companies (including partial withdrawal)
IS
Surrender
Insurance Companies
IG
Assignment
Insurance Companies
IE
Decline
Insurance Companies
IX
Excess Refund
Insurance Companies
IR
Premium Payment
Insurance Companies
IL
Loan Repayment
Insurance Companies
DD
Dematerialisation/Conversion of
Mutual funds units in demat form
Depositories
DR
Rematerialisation/Repurchase
Depositories
DO
Off Market trade
Depositories
Financial Intelligence Unit India (FIU-IND)
77
Reporting Format Guide
Code Description
Version 2.1
Remarks
DM
Market transfers
Depositories
DI
Inter Settlement transfers
Depositories
DP
Pledge and Hypothecation
Depositories
DC
Corporate action
Depositories
ZZ
Others
Not listed above
XX
Not Categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
78
Reporting Format Guide
Version 2.1
11.2 Annexure A.2 ARF Data Structure Version 2.0
This section describes the data structure of version 2.0 of the Account Based Reports which can be used by the
reporting entities to generate XML file. The version 2.0 of the data structure for fixed width text files shall comprise
of the following seven data files:
S. No.
Filename
Description
ARFBAT.txt
Batch File
ARFRPT.txt
Report File
ARFBRC.txt
Branch File
ARFACC.txt
Account File
ARFTRN.txt
Transaction File
ARFINP.txt
Individual Person File
ARFLPE.txt
Legal Person/Entity File
11.2.1 Data structure of Batch File (ARFBAT.txt)
S. No. Field
Type
Size From
To
Remarks
Mapping to version 1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting
from 000001. This
Line Number*
number will be used
during validation
checks.
ReportType*
CHAR
Refer section 11.1.1 Report Name
DataStructureVersion*
CHAR
10
10
Refer section 11.1.2 Data Structure Version*
ReportingEntityName*
CHAR
80
11
90
Refer section 11.1.3 Complete name of Entity*
ReportingEntityCategory* CHAR
91
95
Refer section 11.1.3 Category of Entity*
RERegistrationNumber
CHAR
12
96
107
Refer section 11.1.3 Regulator Issued code *
FIUREID*
CHAR
10
108
117
Refer section 11.1.3 Unique ID issued by FIU*
POName*
CHAR
80
118
197
Refer section 11.1.4 Principal Officers Name*
PODesignation*
CHAR
80
198
277
Refer section 11.1.4 Principal Officers
Designation*
10
Address*
CHAR
225
278
502
Principal Officers
Address1* + Address2 +
Refer section 11.1.4
Address3 + Address 4 +
Address5
11
City
CHAR
50
503
552
Refer section 11.1.4 New field
12
StateCode*
CHAR
553
554
Refer section 11.1.4 New field
Financial Intelligence Unit India (FIU-IND)
79
Reporting Format Guide
S. No. Field
Type
Size From
To
Remarks
Version 2.1
Mapping to version 1.0
13
PinCode
CHAR
10
555
564
Refer section 11.1.4 Principal Officers Pin
code*
14
CountryCode*
CHAR
565
566
Refer section 11.1.4 New field
15
Telephone
CHAR
30
567
596
Refer section 11.1.4
16
Mobile
CHAR
30
597
626
Refer section 11.1.4 New field
17
Fax
CHAR
30
627
656
Refer section 11.1.4 Principal Officers FAX
18
POEmail*
CHAR
50
657
706
Refer section 11.1.4 Principal Officers E-mail
19
BatchNumber*
CHAR
707
714
Refer section 11.1.5 Serial Number of Report*
20
BatchDate*
CHAR
10
715
724
Refer section 11.1.5 Date of Report
21
MonthOfReport*
CHAR
725
726
Refer section 11.1.5 Specified only in CTR
22
YearOfReport*
CHAR
727
730
Refer section 11.1.5 Specified only in CTR
23
OperationalMode*
CHAR
731
731
Refer section 11.1.5 Operational Mode*
24
BatchType*
CHAR
732
732
Refer section 11.1.5 Report Type*
25
OriginalBatchId*
NUM
10
733
742
Refer section 11.1.5 Serial Number of Original
Report *
26
ReasonOfRevision*
CHAR
743
743
Refer section 11.1.5 Reason for Replacement*
To
Remarks
Principal Officers
Telephone
11.2.2 Data structure of Report File (ARFRPT.txt)
S. No. Field
Type
Size
From
Mapping to version 1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting
from 000001. This
Line Number*
number will be used
during validation
checks.
ReportSerialNum*
NUM
14
Refer section 11.1.6 New field
OriginalReportSerialNu
m*
NUM
15
22
Refer section 11.1.6 New field
MainPersonName
CHAR
80
23
102
Refer section 11.1.6 New field
SourceOfAlert*
CHAR
103
104
Refer section 11.1.7 New field
AlertIndicator1
CHAR
100
105
204
Refer section 11.1.7 New field
AlertIndicator2
CHAR
100
205
304
Refer section 11.1.7 New field
AlertIndicator3
CHAR
100
305
404
Refer section 11.1.7 New field
SuspicionDueToProcee
dsOfCrime*
CHAR
405
405
Refer section 11.1.7 New field
10
SuspicionDueToComple
CHAR
xTrans*
406
406
Refer section 11.1.7 New field
11
SuspicionDueToNoEco
407
407
Refer section 11.1.7 New field
CHAR
Financial Intelligence Unit India (FIU-IND)
80
Reporting Format Guide
S. No. Field
Type
Size
From
To
Remarks
Version 2.1
Mapping to version 1.0
Rationale*
12
SuspicionOfFinancingOf
CHAR
Terrorism*
408
408
Refer section 11.1.7 New field
13
AttemptedTransaction*
CHAR
409
409
Refer section 11.1.7 New field
14
GroundsOfSuspicion*
CHAR
4000
410
4409 Refer section 11.1.7 Grounds of Suspicion*
15
DetailsOfInvestigations
CHAR
4000
4410
8409 Refer section 11.1.7
16
LEAInformed*
CHAR
8410
8410 Refer section 11.1.7 New field
17
LEADetails
CHAR
250
8411
8660 Refer section 11.1.7 New field
18
PriorityRating*
CHAR
8661
8662 Refer section 11.1.7 New field
19
ReportCoverage*
CHAR
8663
8663 Refer section 11.1.7 New field
20
AdditionalDocuments*
CHAR
8664
8664 Refer section 11.1.7 New Field
Details of other
investigations
11.2.3 Data structure of Branch File (ARFBRC.txt)
S. No. Field
Type
Size
From
To
Remarks
Mapping to version
1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting from
Line Number*
000001. This number
will be used during
validation checks.
BranchRefNumType*
CHAR
Refer section 11.1.10
New field
BranchRefNum*
CHAR
20
27
Refer section 11.1.10
Branch Reference
Number*
BranchName
CHAR
80
28
107
Refer section 11.1.11
Name of Branch*
Address*
CHAR
225
108
332
Refer section 11.1.12
Branch Address1+
Address2+
Address3+
Address4+
Address5
City
CHAR
50
333
382
Refer section 11.1.12
New field
StateCode*
CHAR
383
384
Refer section 11.1.12
New field
PinCode
CHAR
10
385
394
Refer section 11.1.12
Branch Pin code*
CountryCode*
CHAR
395
396
Refer section 11.1.12
New field
10
Telephone
CHAR
30
397
426
Refer section 11.1.13
Branch Telephone
11
Mobile
CHAR
30
427
456
Refer section 11.1.13
New field
12
Fax
CHAR
30
457
486
Refer section 11.1.13
Branch Fax
13
BranchEmail
CHAR
50
487
536
Refer section 11.1.11
Branch E-mail
Financial Intelligence Unit India (FIU-IND)
81
Reporting Format Guide
Version 2.1
11.2.4 Data structure of Account File (ARFACC.txt)
S.
Field
No.
Type
Size
From
To
Remarks
Mapping to version
1.0
Line Number*
NUM
Running sequence
number for each
line in the file
starting from
Line Number*
000001. This
number will be used
during validation
checks.
ReportSerialNum*
NUM
14
Refer section 11.1.6 New field
BranchRefNum*
CHAR
20
15
34
Refer section
11.1.10
AccountNumber*
CHAR
20
35
54
Refer section 11.1.9 Account Number*
AccountType*
CHAR
55
56
Refer section 11.1.9 Type of Account
HolderName*
CHAR
80
57
136
Refer section 11.1.9
Name of first/sole
account holder
AccountHolderType*
CHAR
137
137
Refer section 11.1.9
Type of Account
Holder*
AccountStatus*
CHAR
138
138
Refer section 11.1.9 New field
DateOfOpening
CHAR
10
139
148
Refer section 11.1.9
10
RiskRating*
CHAR
149
150
Refer section 11.1.9 Risk Category
11
CumulativeCreditTurnover
NUM
20
151
170
Refer section 11.1.9
Cumulative Credit
Turnover*
12
CumulativeDebitTurnover
NUM
20
171
190
Refer section 11.1.9
Cumulative Debit
Turnover*
13
CumulativeCashDepositTurnover
NUM
20
191
210
Refer section 11.1.9
Cumulative Cash
Deposit Turnover*
14
CumulativeCashWithdrawalTurnover NUM
20
211
230
Cumulative Cash
Refer section 11.1.9 Withdrawal
Turnover*
15
NoTransactionsTobeReported*
231
231
Refer section 11.1.9 New field
Financial Intelligence Unit India (FIU-IND)
CHAR
Branch Reference
Number*
Date of Account
opening*
82
Reporting Format Guide
Version 2.1
11.2.5 Data structure of Transaction File (ARFTRN.txt)
S. No. Field
Type
Size
From
To
Remarks
Mapping to version
1.0
Line Number*
Line Number*
NUM
Running sequence
number for each line
in the file starting
from 000001. This
number will be used
during validation
checks.
ReportSerialNum*
NUM
14
Refer section 11.1.6
New field
BranchRefNum*
CHAR
20
15
34
Refer section 11.1.10
Branch Reference
Number*
AccountNumber*
CHAR
20
35
54
Refer section 11.1.9
Account Number*
DateOfTransaction*
CHAR
10
55
64
Refer section 11.1.19 Date of Transaction*
TransactionID
CHAR
20
65
84
Refer section 11.1.19 Transaction ID
TransactionMode*
CHAR
85
85
Refer section 11.1.19
DebitCredit*
CHAR
86
86
Refer section 11.1.19 Debit/Credit*
Amount*
NUM
20
87
106
Refer section 11.1.19 Amount*
10
Currency*
CHAR
107
109
Refer section 11.1.19
Currency of
Transaction*
11
ProductType
CHAR
110
111
Refer section 11.1.20
New field
12
Identifier
CHAR
30
112
141
Refer section 11.1.20 Security Identifier
13
TransactionType
CHAR
142
143
Refer section 11.1.20
14
Units
NUM
20
144
163
Refer section 11.1.20 Number of security
15
Rate
NUM
10
164
173
Refer section 11.1.20 New field
16
DispositionOfFunds
CHAR
174
174
Refer section 11.1.19 Disposition of Funds
17
RelatedAccountNum
CHAR
20
175
194
Refer section 11.1.19 New field
18
RelatedInstitutionName
CHAR
20
195
214
Refer section 11.1.19 New field
19
RelatedInstitutionRefNum CHAR
20
215
234
Refer section 11.1.19 New field
20
Remarks
50
235
284
Refer section 11.1.19 New field
CHAR
Financial Intelligence Unit India (FIU-IND)
Mode of
Transaction*
New field
83
Reporting Format Guide
Version 2.1
11.2.6 Data structure of Individual Data File (ARFINP.txt)
S. No. Field
Type
Size
From
To
Remarks
Mapping to Version
1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting from
Line Number*
000001. This number
will be used during
validation checks.
ReportSerialNum*
NUM
14
Refer section 11.1.6
New field
BranchRefNum*
CHAR
20
15
34
Refer section 11.1.10
Branch Reference
Number*
AccountNumber*
CHAR
20
35
54
Refer section 11.1.9
Account Number*
PersonName*
CHAR
80
55
134
Refer section 11.1.14
Full name of
Individual*
CustomerId
CHAR
10
135
144
Refer section 11.1.14 Customer ID/Number
RelationFlag*
CHAR
145
145
Refer section 11.1.14 Relation Flag*
Communication
Address*
CHAR
225
146
370
Communication
Address 1* +
Refer section 11.1.15 Address2 + Address3
+ Address4 +
Address5
City
CHAR
50
371
420
Refer section 11.1.15 New field
10
StateCode*
CHAR
421
422
Refer section 11.1.15 New field
11
PinCode
CHAR
10
423
432
Refer section 11.1.15
12
CountryCode*
CHAR
433
434
Refer section 11.1.15 New field
Communication
Address Pin code*
13
SecondAddress
CHAR
225
435
659
Second Address1 +
Address2 + Address3
Refer section 11.1.15
+ Address4 +
Address5
14
City
CHAR
50
660
709
Refer section 11.1.15 New field
15
StateCode*
CHAR
710
711
Refer section 11.1.15 New field
16
PinCode
CHAR
10
712
721
Refer section 11.1.15
17
CountryCode*
CHAR
722
723
Refer section 11.1.15 New field
18
Telephone
CHAR
30
724
753
Refer section 11.1.16 Contact Telephone
19
Mobile
CHAR
30
754
783
Refer section 11.1.16
20
Fax
CHAR
30
784
813
Refer section 11.1.16 New field
21
CHAR
50
814
863
Refer section 11.1.14 Contact E-mail
22
PAN
CHAR
10
864
873
Refer section 11.1.14 PAN
Financial Intelligence Unit India (FIU-IND)
Second Address Pin
code*
Contact Mobile
number
84
Reporting Format Guide
S. No. Field
Version 2.1
Type
Size
From
To
Remarks
Mapping to Version
1.0
23
UIN
CHAR
30
874
903
Refer section 11.1.14 New field
24
Gender*
CHAR
904
904
Refer section 11.1.17 Sex
25
DateOfBirth
CHAR
10
905
914
Refer section 11.1.17 Date of Birth
26
IdentificationType*
CHAR
915
915
Refer section 11.1.17 Type of Identification
27
IdentificationNumber
CHAR
20
916
935
Refer section 11.1.17 Identification Number
28
IssuingAuthority
CHAR
20
936
955
Refer section 11.1.17 Issuing Authority
29
PlaceOfIssue
CHAR
20
956
975
Refer section 11.1.17 Place of Issue
30
Nationality*
CHAR
976
977
Refer section 11.1.17 Nationality
31
PlaceOfWork
CHAR
80
978
1057
Refer section 11.1.17 Place of Work
32
FatherOrSpouse
CHAR
80
1058
1137
Refer section 11.1.17
33
Occupation
CHAR
50
1138
1187
Refer section 11.1.17 Occupation
Name of
Father/Spouse
11.2.7 Data structure of Legal Person/Entity Data File (ARFLPE.txt)
S. No. Field
Type
Size
From
To
Remarks
Mapping to Version
1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting from
Line Number*
000001. This number
will be used during
validation checks.
ReportSerialNum*
NUM
14
Refer section 11.1.6
New field
BranchRefNum*
CHAR
20
15
34
Refer section 11.1.10
Branch Reference
Number*
AccountNumber*
CHAR
20
35
54
Refer section 11.1.9
Account Number*
PersonName*
CHAR
80
55
134
Refer section 11.1.14
Name of Legal
Person /Entity*
CustomerId
CHAR
10
135
144
Refer section 11.1.14 Customer ID/Number
RelationFlag*
CHAR
145
145
Refer section 11.1.14 Relation Flag*
Communication
Address*
CHAR
225
146
370
Communication
Address 1* +
Refer section 11.1.15 Address2 + Address3
+ Address4 +
Address5
City
CHAR
50
371
420
Refer section 11.1.15 New field
10
StateCode*
CHAR
421
422
Refer section 11.1.15 New field
11
PinCode
CHAR
10
423
432
Refer section 11.1.15
12
CountryCode*
CHAR
433
434
Refer section 11.1.15 New field
Financial Intelligence Unit India (FIU-IND)
Communication
Address Pin code*
85
Reporting Format Guide
S. No. Field
Type
Size
From
Version 2.1
To
Remarks
Mapping to Version
1.0
13
Second Address
CHAR
225
435
659
Second Address1 +
Address2 + Address3
Refer section 11.1.15
+ Address4 +
Address5
14
City
CHAR
50
660
709
Refer section 11.1.15 New field
15
StateCode*
CHAR
710
711
Refer section 11.1.15 New field
16
PinCode
CHAR
10
712
721
Refer section 11.1.15
17
CountryCode*
CHAR
722
723
Refer section 11.1.15 New field
18
Telephone
CHAR
30
724
753
Refer section 11.1.16 Contact Telephone
19
Mobile
CHAR
30
754
783
Refer section 11.1.16
20
Fax
CHAR
30
784
813
Refer section 11.1.16 New field
21
CHAR
50
814
863
Refer section 11.1.14 Contact E-mail
22
PAN
CHAR
10
864
873
Refer section 11.1.14 PAN
23
UIN
CHAR
30
874
903
Refer section 11.1.14 New field
24
ConstitutionType*
CHAR
904
904
Refer section 11.1.18 Type of Constitution*
25
RegistrationNumber
CHAR
20
905
924
Refer section 11.1.18 Registration Number
26
DateOfIncorporation
CHAR
10
925
934
Refer section 11.1.18 Date of Incorporation
27
PlaceOfRegistration
CHAR
20
935
954
Refer section 11.1.18 Place of Registration
28
CountryCode*
CHAR
955
956
Refer section 11.1.18 New field
29
NatureOfBusiness
CHAR
50
957
1006
Refer section 11.1.18 Nature of Business
Communication
Address Pin code*
Contact Mobile
number
11.3 Annexure A.3 Validation Rules
Validations are performed for valid values in enumerations, mandatory values and on rules defined in the external
rule file (SCH format).
11.3.1 Validation of Enumerations
The XML schema has specified list of permissible values for certain elements. The reporting entity is required to
enter valid data from the list of enumerations. In case, the reporting entities do not have valid data for a particular
element, enumeration values like X, XX, (not categorised) etc have been provided. The list of elements having
enumerations is tabulated as below:
S. No.
Element
Section
Batch / ReportType
Section 11.1.1.1
Batch / BatchHeader / DataStructureVersion
Section 11.1.2.1
Batch / BatchHeader / DataSource
Section 11.1.2.2
Batch / ReportingEntity / ReportingEntityCategory
Section 11.1.3.1
Batch / PrincipalOfficer / POAddress / StateCode
Annexure E
Financial Intelligence Unit India (FIU-IND)
86
Reporting Format Guide
S. No.
Version 2.1
Element
Section
Batch / PrincipalOfficer / POAddress / CountryCode
Annexure F
Batch / BatchDetails / MonthOfReport
Section 11.1.5.1
Batch / BatchDetails / YearOfReport
Section 11.1.5.2
Batch / BatchDetails / OperationalMode
Section 11.1.5.3
10
Batch / BatchDetails / BatchType
Section 11.1.5.4
11
Batch / BatchDetails / ReasonOfRevision
Section 11.1.5.5
12
Batch / Report / SuspicionDetails / SourceOfAlert
Section 11.1.7.1
13
Batch / Report / SuspicionDetails / SuspicionDueToProceedsOfCrime
Section 11.1.7
14
Batch / Report / SuspicionDetails / SuspicionDueToComplexTrans
Section 11.1.7
15
Batch / Report / SuspicionDetails / SuspicionDueToNoEcoRationale
Section 11.1.7
16
Batch / Report / SuspicionDetails / SuspicionOfFinancingOfTerrorism
Section 11.1.7
17
Batch / Report / SuspicionDetails / AttemptedTransaction
Section 11.1.7
18
Batch / Report / SuspicionDetails / LEAInformed
Section 11.1.7.2
19
Batch / Report / SuspicionDetails / PriorityRating
Section 11.1.7.3
20
Batch / Report / SuspicionDetails / ReportCoverage
Section 11.1.7.4
21
Batch / Report / SuspicionDetails / AdditionalDocuments
Section 11.1.7
22
Batch / Report / Account / AccountDetails / AccountType
Section 11.1.9.1
23
Batch / Report / Account / AccountDetails / AccountHolderType
Section 11.1.9.2
24
Batch / Report / Account / AccountDetails / AccountStatus
Section 11.1.9.3
25
Batch / Report / Account / AccountDetails / RiskRating
Section 11.1.9.4
26
Batch / Report / Account / AccountDetails / NoTransactionsTobeReported
Section 11.1.9
27
Batch / Report / Account / Branch / BranchRefNumType
Section 11.1.10.1
28
Batch / Report / Account / Branch / BranchDetails / BranchAddress / StateCode Annexure E
29
Batch / Report / Account / Branch / BranchDetails / BranchAddress /
CountryCode
Annexure F
30
Batch / Report / Account / PersonDetails / RelationFlag
Section 11.1.14.1
31
Batch / Report / Account / PersonDetails / CommunicationAddress / StateCode
Annexure E
32
Batch / Report / Account / PersonDetails / CommunicationAddress /
CountryCode
Annexure F
33
Batch / Report / Account / PersonDetails / SecondAddress / StateCode
Annexure E
34
Batch / Report / Account / PersonDetails / SecondAddress / CountryCode
Annexure F
35
Batch / Report / Account / PersonDetails / Individual / Gender
Section 11.1.17.1
Financial Intelligence Unit India (FIU-IND)
87
Reporting Format Guide
S. No.
Version 2.1
Element
Section
36
Batch / Report / Account / PersonDetails / Individual / IdentificationType
Section 11.1.17.2
37
Batch / Report / Account / PersonDetails / Individual / Nationality
Annexure F
38
Batch / Report / Account / PersonDetails / LegalPerson / ConstitutionType
Section 11.1.18.1
39
Batch / Report / Account / PersonDetails / LegalPerson / CountryCode
Annexure F
40
Batch / Report / Account / Transaction / TransactionMode
Section 11.1.19.1
41
Batch / Report / Account / Transaction / DebitCredit
Section 11.1.19.2
42
Batch / Report / Account / Transaction / Currency
Annexure F
43
Batch / Report / Account / Transaction / ProductTransaction / ProductType
Section 11.1.20.1
44
Batch / Report / Account / Transaction / ProductTransaction / TransactionType
Section 11.1.20.2
11.3.2 Mandatory Validation Rule Matrix
In addition to the enumerations, the validations for mandatory elements will be conducted by schema level
validation and rule based validation. The mandatory value is being specified at following levels:
MandatoryValue in XSD
Rule based (Fatal) (Specifed as MandatoryValueFatal)
Rule based (Non Fatal) (Specifed as MandatoryValueNonFatal)
The rules for validation will be specified in the external rule file (SCH format) which could be revised from time to
time. The sample matrix of the mandatory validation is as under:
S.
Element
No.
Mandatory
Value in XSD
Rule based
(Fatal)
Rule based
(Non Fatal)
Batch / ReportingEntity / ReportingEntityName
Batch / ReportingEntity / RERegistrationNumber
Batch / ReportingEntity / FIUREID
Batch / PrincipalOfficer / POName
Batch / PrincipalOfficer / PODesignation
Batch / PrincipalOfficer / POAddress / Address
Batch / PrincipalOfficer / POAddress / PinCode
Batch / PrincipalOfficer / POPhone / Telephone
Batch / PrincipalOfficer / POPhone / Mobile
10 Batch / PrincipalOfficer / POPhone / Fax
11 Batch / PrincipalOfficer / POEmail
12 Batch / BatchDetails / BatchNumber
13 Batch / BatchDetails / BatchDate
Financial Intelligence Unit India (FIU-IND)
88
Reporting Format Guide
S.
Element
No.
Version 2.1
Mandatory
Value in XSD
14 Batch / BatchDetails / OriginalBatchID
15 Batch / Report / ReportSerialNum
16 Batch / Report / OriginalReportSerialNum
Rule based
(Fatal)
Rule based
(Non Fatal)
17 Batch / Report / MainPersonName
18 Batch / Report / SuspicionDetails / GroundsOfSuspicion
Y
Y
19 Batch / Report / SuspicionDetails / DetailsOfInvestigations
20 Batch / Report / Account / AccountDetails / AccountNumber
21 Batch / Report / Account / AccountDetails / HolderName
22 Batch / Report / Account / AccountDetails / DateOfOpening
23
Batch / Report / Account / AccountDetails /
CumulativeCreditTurnover
24
Batch / Report / Account / AccountDetails /
CumulativeDebitTurnover
25
Batch / Report / Account / AccountDetails /
CumulativeCashDepositTurnover
26
Batch / Report / Account / AccountDetails /
CumulativeCashWithdrawlTurnover
27 Batch / Report / Account / Branch / BranchRefNum
28
Batch / Report / Account / Branch / BranchDetails /
BranchAddress / Address
29
Batch / Report / Account / Branch / BranchDetails /
BranchAddress / City
30
Batch / Report / Account / Branch / BranchDetails /
BranchAddress / PinCode
31 Batch / Report / Account / PersonDetails / PersonName
32
Batch / Report / Account / PersonDetails /
CommunicationAddress / Address
33
Batch / Report / Account / PersonDetails /
CommunicationAddress / City
34
Batch / Report / Account / PersonDetails /
CommunicationAddress / PinCode
35 Batch / Report / Account / PersonDetails / PAN
36
Batch / Report / Account / PersonDetails / Individual /
DateOfBirth
37
Batch / Report / Account / PersonDetails / Individual /
IdentificationNumber
38
Batch / Report / Account / PersonDetails / Individual /
FatherOrSpouse
Financial Intelligence Unit India (FIU-IND)
89
Reporting Format Guide
S.
Element
No.
39
Version 2.1
Mandatory
Value in XSD
Rule based
(Fatal)
Rule based
(Non Fatal)
Batch / Report / Account / PersonDetails / LegalPerson /
DateOfIncorporation
40 Batch / Report / Account / Transaction / DateOfTransaction
41 Batch / Report / Account / Transaction / Amount
11.3.3 Other rules for Preliminary Rule Validation (PRV)
In addition to the enumeration and mandatory validations, rules will also be specified in the external rule file (SCH
format) which could be revised from time to time. Explanation of sample rules is as under:
S.
No.
Element
Validation Rule Type
Explanation
Batch / PrincipalOfficer /
POAddress / Address
SufficiencyLengthNonFatal
Length should be minimum 8
Batch / PrincipalOfficer /
POPhone / Telephone
SufficiencyLengthNonFatal
Length should be minimum 6
Batch / PrincipalOfficer /
POPhone / Mobile
SufficiencyLengthNonFatal
Length should be minimum 6
Batch / PrincipalOfficer /
POEmail
SufficiencyLengthNonFatal
Length should be minimum 6
Batch / BatchDetails /
BatchDate
ConsistencyValue
Value should be earlier than system
date
Batch / BatchDetails /
BatchDate
ErrorProbablityHigh
Value is less than one year from system
date
Batch / BatchDetails /
MonthOfReport
ErrorProbablityHigh
Value should not be NA for CTR
Batch / BatchDetails /
YearOfReport
ErrorProbablityHigh
Batch / Report /
ReportSerialNum
UniqueValue
Value should be unique in a batch
10
Batch / Report /
SuspicionDetails /
SourceOfAlert
SufficiencyElementFatal
If ReportType is STR, at least one
"SuspicionDetail" element should be
present for each report
11
Batch / Report / Account /
AccountDetails /
AccountNumber
UniqueValue
Account number with Branch reference
number should be unique in a report
Financial Intelligence Unit India (FIU-IND)
Value should not be NA for CTR
90
Reporting Format Guide
Version 2.1
S.
No.
Element
Validation Rule Type
Explanation
12
Batch / Report / Account /
AccountDetails /
NoTransactionsTobeReported
SufficiencyElementFatal
If the value is 'N, at least one
Transaction record should be present
13
Batch / Report / Account /
PersonDetails / RelationFlag
SufficiencyElementFatal
Value of at least one element in the
account should be "A".(Account Holder)
14
Batch / Report / Account /
PersonDetails / RelationFlag
SufficiencyElementNonFatal
For every legal person with this flag as
"A", there should be at least one
individual person record
15
Batch / Report / Account /
PersonDetails / Individual /
IdentificationNumber
SufficiencyLengthNon Fatal
Length should be minimum 5
16
Batch / Report / Account /
Branch / BranchDetails /
BranchAddress / Address
SufficiencyLengthNonFatal
Length should be minimum 8
17
Batch / Report / Account /
PersonDetails /
CommunicationAddress /
Address
SufficiencyLengthNonFatal
Length should be minimum 8
18
Batch / Report / Account /
AccountDetails /
DateOfOpening
ConsistencyValue
Value should be earlier than system
date
19
Batch / Report / Account /
AccountDetails /
CumulativeCreditTurnover
ConsistencyValue
Value should be greater than or equal
to credit transaction amount
20
Batch / Report / Account /
AccountDetails /
CumulativeDebitTurnover
ConsistencyValue
Value should be greater than or equal
to debit transaction amount
21
Batch / Report / Account /
AccountDetails /
CumulativeCashDepositTurnov
er
ConsistencyValue
The value should not be less than
transaction amount with "DebitCredit"
as "C" and TransactionMode as "C".
22
Batch / Report / Account /
AccountDetails /
CumulativeCashDepositTurnov
er
ConsistencyValue
Value should not be greater than
Cumulative Credit Turnover
23
Batch / Report / Account /
AccountDetails /
CumulativeCashWithdrawalTur
nover
ConsistencyValue
The value should not be less than
transaction amount with "DebitCredit"
as "D" and TransactionMode as "C".
Financial Intelligence Unit India (FIU-IND)
91
Reporting Format Guide
Version 2.1
S.
No.
Element
Validation Rule Type
Explanation
24
Batch / Report / Account /
AccountDetails /
CumulativeCashWithdrawlTurn
over
ConsistencyValue
Value should not be greater than
Cumulative Debit Turnover
25
Batch / Report / Account /
PersonDetails / Individual /
DateOfBirth
ConsistencyValue
Value should not be greater than
system date
26
Batch / Report / Account /
PersonDetails / LegalPerson /
DateOfIncorporation
ConsistencyValue
Value should not be greater than
system date
27
Batch / Report / Account /
Transaction /
DateOfTransaction
ConsistencyValue
Value should not be greater than
system date
28
Batch / Report / Account /
Transaction / Amount
ConsistencyValue
Sum of Credit transactions should not
be greater than the Cumulative Credit
Turnover
29
Batch / Report / Account /
Transaction / Amount
ConsistencyValue
Sum of Debit transactions should not
be greater than the Cumulative Debit
Turnover
30
Batch / Report / Account /
Transaction /
DateOfTransaction
ErrorProbablityHigh
Value should not be earlier than one
year from system date
31
Batch / Report / Account /
Transaction / Amount
ErrorProbablityHigh
Transaction amount is equal to the
account number.
32
Batch / Report / Account /
Transaction / Amount
ErrorProbablityMedium
Value of a single cash transaction
exceeds 1billion INR.
33
Batch / Report / Account /
Transaction / Amount
ErrorProbablityLow
Multiple transactions of the same value
on the same day.
Financial Intelligence Unit India (FIU-IND)
92
Reporting Format Guide
Version 2.1
11.3.4 Sample Rules for Advanced Rule Validation (ARV)
The rules for Advanced Rule Validation (ARV) will be specified in the internal system of FIU. Explanation of sample
rules is as under:
S. No.
Element
Validation Rule Type
Explanation
Batch / Report / Account / Branch /
BranchDetails / BranchAddress /
Address
SufficiencyValue
The address should contain
sufficient information
(dictionary based)
Batch / Report / Account /
PersonDetails /
CommunicationAddress / Address
SufficiencyValue
The address should contain
sufficient information
(dictionary based)
Batch / Report / Account /
AccountDetails /
CumulativeCreditTurnover
ConsistencyValueEarlierReport
The cumulative credit amount
in the year should not be
lower than the report of the
previous month, with an
exception for April.
Batch / Report / Account /
AccountDetails /
CumulativeDebitTurnover
ConsistencyValueEarlierReport
The cumulative debit amount
in the year should not be
lower than the report of the
previous month, with an
exception for April.
Batch / Report / Account / Branch /
BranchDetails / BranchAddress /
PinCode
ConsistencyValueInternalSource
The pincode of the branch
should match with the pincode
dictionary
Batch / Report / Account /
PersonDetails /
CommunicationAddress / PinCode
ConsistencyValueInternalSource
The pincode of the customer
should match with the pincode
dictionary
Batch / Report / Account /
PersonDetails / PAN
ConsistencyValueExternalSource
The PAN of the customer
should be a valid PAN in
Income Tax Database
Financial Intelligence Unit India (FIU-IND)
93
Reporting Format Guide
Version 2.1
12 Annexure B Transaction based Reporting format (TRF)
This section provides information about the Schema documentation, Data structure of text files and validation rules
for transaction based reporting format.
12.1 Annexure B.1 - Schema Documentation for TransactionBasedReport.xsd
This section provides information about the Schema documentation for transaction based reporting format.
12.1.1 element Batch
Batch is the root element. This element is "the parent" of all other elements and is common for all the three
reporting formats. This element has been explained in section 11.1.1.
12.1.2 element Batch/BatchHeader
BatchHeader contains information about the types of reports in the batch and version information. This element has
been explained in section in 11.1.2.
12.1.3 element Batch/ReportingEntity
ReportingEntity contains information about the reporting entity which is submitting the report batch. This element
has been explained in section 11.1.3.
12.1.4 element Batch/PrincipalOfficer
PrincipalOfficer contains information about the principal officer of the reporting entity. This element has been
explained in section 11.1.4.
12.1.4.1 Type Address
Address has been explained in detail in section 11.1.4.1
12.1.4.2 Type Phone
Phone has been explained in detail in section 11.1.4.2
12.1.5 element Batch/BatchDetails
BatchDetails provides information about Batch Number, date, Month & Year of Report, Operational mode, Type. If
a revised batch is submitted the Original Batch Id and Reason of Revision would be enabled.
This element has been explained in section 11.1.5
Financial Intelligence Unit India (FIU-IND)
94
Reporting Format Guide
Version 2.1
12.1.6 element Batch/Report
Report element provides details of the Reports in the batch. The Reports are uniquely identified by the
ReportSerialNum.
Figure: Overview of Report
Table: Details of Report
Element
Description
Length
Mandatory
Yes
Yes
The number uniquely represents a report within a
batch.
ReportSerialNum
OriginalReportSerialNum
The ReportSerialNum should be unique within a
batch. This number alongwith BatchId will uniquely
identity any report received by FIU
The ReportSerialNum of the original report that
has to be replaced or deleted.
This number alongwith OriginalBatchID will
Financial Intelligence Unit India (FIU-IND)
95
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
80
No
uniquely identify the report which is being replaced
or deleted. In case there is no replacement or
deletion of any original report, mention 0 here.
Name of the main person for the report.
MainPersonName
The reporting entity should try to identify one main
person or legal entity in the report. This will assist
in future reference.
SuspicionDetails
Details of the suspicion.
Refer section 12.1.7 for details.
Section
12.1.7
No
Transaction
Details of the transaction.
Refer section 12.1.8 for details.
Section
12.1.8
No
Branch
Details of the institutions related to the transaction.
Refer section 12.1.12 for details.
Section
12.1.12
Yes
PaymentInstrument
Details of the payment instrument related to the
transaction.
Refer section 12.1.15 for details.
Section
12.1.15
No
RelatedPersons
Details of the persons related to the transaction.
Refer section 12.1.16 for details.
Section
12.1.16
No
12.1.7 element Batch/Report/SuspicionDetails
SuspicionDetails provides information about the suspicion in the STR.
Figure: Overview of SuspicionDetails
Financial Intelligence Unit India (FIU-IND)
96
Reporting Format Guide
Element
Table: Details of SuspicionDetails
Description
Version 2.1
Length Mandatory
Source of alert for initiation of the STR.
SourceOfAlert
Permissible values are:
CV Customer Verification
WL - Watch List
TY- Typology
TM - Transaction Monitoring
RM - Risk Management System
MR - Media Reports
LQ - Law Enforcement Agency Query
EI - Employee Initiated
PC Public Complaint
BA Business Associates
ZZ - Others
XX - Not Categorised
Yes
100
No
Yes
Yes
Refer section 12.1.7.1 for further details on enumerations.
Red Flag indicator which had generated alert resulting in STR.
AlertIndicator
The reporting entity may use a standard language of the red
flag indicator. The reporting entity may use the language used
in the instructions of the regulator or communication of FIUIND.
One STR can have more than one AlertIndicator. In the XML
format more than one indicator can be mentioned for a report.
In the fixed text format, the number of indicators for a report is
limited to three.
Whether the suspicion is on account of clause (a) of Rule
2(1)(g) related to proceeds of an offence specified in the
Schedule to the Act, regardless of the value involved.
SuspicionDueToProceedsOfCr Permissible values are:
ime
Y- Yes
N - No
X Not categorised
One STR may be related to more than one clause.
Whether the suspicion is on account of clause (b) of Rule 2(1)
(g) related to circumstances of unusual or unjustified
complexity.
SuspicionDueToComplexTran Permissible values are:
s
Y- Yes
N- No
X Not categorised
One STR may be related to more than one clause.
Financial Intelligence Unit India (FIU-IND)
97
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Whether the suspicion is on account of clause (c) of Rule 2(1)
(g) related to no economic rationale or bonafide purpose.
SuspicionDueToNoEcoRation
ale
Permissible values are:
Y- Yes
N - No
X Not categorised
Yes
Yes
Yes
4000
Yes
One STR may be related to more than one clause.
Whether the suspicion is on account of clause (d) of Rule 2(1)
(g) related to financing of the activities related to terrorism.
SuspicionOfFinancingOfTerror
ism
Permissible values are:
Y- Yes
N - No
X Not categorised
One STR may be related to more than one clause.
Whether the STR relates to an attempted transaction that was
not completed.
AttemptedTransaction
Permissible values are:
Y- Yes
N - No
X Not categorised
Summary of suspicion and sequence of events covering
following aspects:
Background/profile/occupation of the customer and
other related individuals/entities.
When did the relationship with the customer begin?
How was suspicion detected?
What information was linked or collected during the
review process?
GroundsOfSuspicion
What explanation was provided by the subject(s) or
other persons (without tipping off)?
Summary of suspicion
Whether the suspicious activity is an isolated incident
or relates to another transaction?
Who benefited, financially or otherwise, from the
transaction(s), how much, and how (if known)?
Whether any STR filed for the customer earlier?
Any additional information that might assist law
enforcement authorities.
Financial Intelligence Unit India (FIU-IND)
98
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Details about investigation being conducted covering the name
of agency, contact person and contact details.
DetailsOfInvestigation
The investigation could be both internal to the reporting entity
or any investigation by law enforcement agency. In case of law
enforcement agency the details of contact person needs to be
separately furnished under LEADetails below.
4000
No
Yes
250
No
Yes
Yes
Whether any Law enforcement agency is informed about the
incident reported in the STR.
LEAInformed
Permissible values are:
R - Information received
S - Information sent
N - No correspondence sent or received
X - Not categorised.
Refer section 12.1.7.2 for further details on enumerations.
Contact details of person in the law enforcement agency which
is conducting the investigation.
LEADetails
The details of the investigation should be furnished under
DetailsOfInvestigation above.
Priority attached to the report as per assessment of the
reporting entity.
PriorityRating
Permissible values are:
P1 - Very High Priority
P2 - High Priority
P3 - Normal Priority
XX - Not categorised
The reporting entity can attach P1 priority for reports which
requires immediate attention of FIU. Refer section 12.1.7.3 for
further details on enumerations.
Whether all the suspicious transactions are covered or a
sample set is being reported?
ReportCoverage
Permissible values are:
C - Complete
P - Partial
X - Not categorised
Refer section 12.1.7.4 for further details on enumerations.
Financial Intelligence Unit India (FIU-IND)
99
Reporting Format Guide
Element
Description
Version 2.1
Length Mandatory
Whether the reporting entity wants to submit additional
documents separately for the STR.
AdditionalDocuments
Permissible values are:
Y - Yes
N - No
X - Not categorised
Yes
The reporting entity cant upload additional documents with the
report. They will be sent a separate request for providing
additional information.
12.1.7.1 Enumeration for SourceOfAlert
Code Description
Remarks
CV
Customer Verification
Detected during customer acceptance, identification or
verification (excluding reasons mentioned in other codes)
WL
Watch List
The customer details matched with a watch list (UN list, Interpol
list etc.)
TY
Typology
Common typologies of money laundering, financing of terrorism
or other crimes (e.g. structuring of cash deposits etc.)
TM
Transaction Monitoring
Transaction monitoring alert (e.g. unusually large transaction,
increase in transaction volume etc.)
RM
Risk Management System
Risk management system based alert (high risk customer,
country, location, source of funds, transaction type etc.)
MR
Media Reports
Adverse media reports about customer (Newspaper reports)
Law Enforcement Agency Query
Query or letter received from law enforcement agency (LEA) or
intelligence agency (e.g. blocking order received, transaction
details sought etc.)
EI
Employee Initiated
Employee raised alert (e.g. behavioral indicators such as
customer had no information about transaction, attempted
transaction etc.)
PC
Public Complaint
Complaint received from public (e.g. abuse of account for
committing fraud etc.)
BA
Business Associates
Information received from other institutions, subsidiaries or
business associates (e.g. cross-border referral, alert raised by
agent etc.)
ZZ
Others
Sources other than mentioned above
XX
Not Categorised
The information is not available. No category has been selected
LQ
Financial Intelligence Unit India (FIU-IND)
100
Reporting Format Guide
Version 2.1
12.1.7.2 Enumeration for LEAInformed
Code Description
Remarks
Information received
Correspondence has been received from any Law Enforcement
Agency (LEA) on this case
Information sent
Matter has been referred to LEA for enquiries/investigations
No correspondence sent or received
The LEA is not aware of the case
Not Categorised
The information is not available. No category has been selected
12.1.7.3 Enumeration for PriorityRating
Code Description
Remarks
P1
Very High Priority
For immediate attention by FIU
P2
High Priority
For attention of FIU
P3
Normal Priority
Reasonable time
XX
Not Categorised
The information is not available. No category has been selected
12.1.7.4 Enumeration for ReportCoverage
Code Description
Remarks
Complete
All suspicious transactions have been reported
Partial
Reported transactions are sample transactions and there are
many more similar transactions.
Not Categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
101
Reporting Format Guide
Version 2.1
12.1.8 element Batch/Report/Transaction
Transaction provides information about the transaction, payment instrument, persons and institutions related with
the transaction.
Figure: Overview of Transaction
Financial Intelligence Unit India (FIU-IND)
102
Reporting Format Guide
Element
Table: Details of Transaction
Description
TransactionDate
TransactionTime
Version 2.1
Length
Mandatory
Date of transaction in YYYY-MM-DD Format
10
Yes
Time of transaction in HH:MM:SS Format
No
20
No
Yes
Yes
80
Yes
Unique Reference Number for transactions
maintained by the reporting entity.
TransactionRefNum
In cases, where the reporting entity is reporting
two (or more) transactions intrinsically linked to
each other (money transfer sent and received),
both the records should have common
Transaction Reference Number to depict the
complete transaction.
Type of transaction conducted.
TransactionType
Permissible values are:
P- Purchase
R- Redemption
Refer section 12.1.8.1 for further details on
enumerations.
Type of instrument used.
Permissible Values are:
A - Currency Note
B - Travelers Cheque
C - Demand Draft/Pay Order
D - Money Order
E - Wire Transfers/TT
F - Money Transfer
G - Credit Card
H - Debit Card
I - Smart Card
J - Prepaid Card
K - Gift Card
L- Cheque
Z - Others
X - Not categorised.
InstrumentType
Refer section 12.1.8.2 for further details on
enumerations.
Name of the institution where transaction was
conducted.
TransactionInstitutionName*
In case of money transfer or money exchange,
the record should contain name of the entity
(agent) where transaction was conducted.
In case of card system operators, this refers to
the merchant where transaction was conducted.
Financial Intelligence Unit India (FIU-IND)
103
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
20
Yes
Yes
Yes
20
No
80
No
20
No
No
20
Yes
20
No
Unique reference number to uniquely identify
the branch/office of the institution where the
transaction was conducted.
TransactionInstitutionRefNum
The number may be issued by the regulator/BIC
MICR/IFSC/self generated or other sources.
Refer to earlier enumeration
BranchRefNumType in section 11.1.10.1 for
further details.
State code that identifies the state of the
institution where transaction was conducted.
TransactionStateCode
In case of India mention the two digit state code
as per Indian Motor Vehicle Act 1988.
Refer Annexure E for State codes
Two digit country code for the country where
transaction was conducted as per ISO 3166.
TransactionCountryCode
PaymentInstrumentNum
Use IN for India. Refer to Annexure F for
Country codes.
Unique number of the payment instrument/card.
PaymentInstrumentIssueInstitutionName Name of the institution that has issued the
payment instrument/card
Unique reference number of the institution that
has issued the payment instrument/card.
InstrumentIssueInstitutionRefNum
The number may be issued by the regulator/BIC
MICR/IFSC/self generated or other sources.
Refer to earlier enumeration
BranchRefNumType in section 11.1.10.1 for
further details.
Two digit country code for the Country where
transaction was conducted as per ISO 3166.
InstrumentCountryCode
Use IN for India. Refer to Annexure F for
Country codes.
Amount of transaction in rupees.
AmountRupees
The amount should be rounded off to nearest
rupee without decimal. If this amount was not in
Indian Rupees, it should be converted into
Indian Rupees.
Amount of transaction in foreign currency (if
applicable).
AmountForeignCurrency
The amount should be rounded off without
decimal
Financial Intelligence Unit India (FIU-IND)
104
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
No
100
Yes
Yes
Yes
Section
12.1.9
Yes
Currency of transaction if transaction is in
foreign currency currency (if applicable).
CurrencyOfTransaction
Mention three digit Currency Codes as per ISO
4127. Refer Annexure G for Currency codes.
Purpose of transaction
PurposeOfTransaction
PurposeCode
Define the purpose (such as Private Visit, Visa
fees)
Purpose code prescribed by RBI in
RRETURN6.txt for loading data into the FETERS.
Refer RBI FETERS Purpose codes.
Risk Rating of the transaction as per the
internal risk assessment of the reporting entity.
RiskRating
Permissible values are:
T1 - High Risk Transaction
T2 - Medium Risk Transaction
T3 - Low Risk Transaction
XX - Not categorised.
Refer section 12.1.8.3 for further details on
enumerations.
Customer Details
Details of the customer linked to the
transaction.
Refer section 12.1.9 for details.
AccountNumber
Bank account number if it is linked to the
transaction (if available).
20
No
AccountWithInstitutionName
Name of the financial institution having the
account linked to the transaction (if available).
80
No
20
No
80
No
Unique reference number of the institution
having the account linked to the transaction.
This reference number would enable linkage
with the details of the institution in TRFBRC.txt
AccountWithInstitutionRefNum
RelatedInstitutionName
The number may be issued by the regulator/
BIC/ MICR/IFSC/self generated or other
sources. Refer to earlier enumeration
BranchRefNumType in section 11.1.10.1 for
further details.
Name of the financial institution related to the
transaction (if available).
Financial Intelligence Unit India (FIU-IND)
105
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
No
20
No
50
No
Role of the institution in the transaction.
InstitutionRelationFlag
Permissible values are:
D - Acquirer Institution
E - Senders Correspondent Institution
F - Receivers Correspondent Institution
Z - Others
X - Not categorised.
Refer section 12.1.8.4 for further details on
enumerations.
Unique reference number of the institution
related to the transaction.
This reference number would enable linkage
with the details of the institution in TRFBRC.txt
RelatedInstitutionRefNum
Remarks
The number may be issued by the
regulator/BIC/MICR/IFSC/self generated or
other sources. Refer to earlier enumeration
BranchRefNumType in section 11.1.10.1 for
further details.
Other information related to the transaction.
12.1.8.1 Enumeration for TransactionType
Code Description
Remarks
Purchase
Authorised money exchanger - Purchase of forex/TC by customer
Money transfer service - Sending money transfer
Card operator Purchase of card or payment towards card.
Redemption
Authorised money exchanger - Sale of forex/TC by customer
Money transfer service Receipt of money transfer
Card operator Use of card for purchases
12.1.8.2 Enumeration for InstrumentType
Code Description
A
Currency Note
Travelers Cheque
Demand Draft/Pay order
Money Order
Wire Transfers/TT
Money Transfer
Remarks
Financial Intelligence Unit India (FIU-IND)
106
Reporting Format Guide
Code Description
Version 2.1
Remarks
Credit Card
Debit Card
Smart Card
Prepaid Card
Gift Card
Cheque
Others
Not listed above
Not Categorised
The information is not available. No category has been selected
12.1.8.3 Enumeration for RiskRating
Code Description
T1
High Risk Transaction
T2
Medium Risk Transaction
T3
Low Risk Transaction
XX
Not Categorised
Remarks
Very High or High Risk
The information is not available. No category has been selected
12.1.8.4 Enumeration for InstitutionRelationFlag
Code Description
Remarks
Acquirer Institution
Used in case of card transactions
Senders Correspondent Institution
Used in case of SWIFT transactions
Receivers Correspondent Institution
Used in case of SWIFT transactions
Others
Not listed above
Not categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
107
Reporting Format Guide
Version 2.1
12.1.9 element Batch/Report/Transaction/CustomerDetails
CustomerDetails provides information on the identity of the customer related to the transaction.
Figure: Overview of CustomerDetails
Table: Details of CustomerDetails
Element
Description
Length
Mandatory
CustomerName
Full Name of the customer/sender/receiver.
80
Yes
CustomerId
Any unique reference number to identify the customer.
10
No
Occupation
Occupation of the customer.
50
No
DateOfBirth
Date of Birth in YYYY-MM-DD format.
10
No
No
Sex of the customer.
Permissible values are:
Gender
M- Male
F- Female
X - Not Categorised.
Refer section 12.1.9.1 for further details on enumerations.
Financial Intelligence Unit India (FIU-IND)
108
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
No
No
Nationality of the customer
Nationality
Use two digit country codes as per ISO 3166. Refer Annexure
F for Country codes. Use IN for India
Document used for proof of identity.
Permissible values are:
IdentificationType
A - Passport
B - Election ID Card
C - PAN Card
D - ID Card
E - Driving License
F- Account Introducer
G - UIDAI Letter
H - NREGA job card
Z Others
Refer section 12.1.9.2 for further details on enumerations.
IdentificationNumber
Number mentioned in the identification document.
20
No
IssuingAuthority
Authority which had issued the identification document.
20
No
PlaceOfIssue
Place where the document was issued.
20
No
PAN
Ten digit PAN used by Income Tax Department.
10
No
UIN
Use UIDAI number for individuals and any other unique
identification number for legal entity (if available).
30
No
Email address.
50
No
Section
11.1.4.1
Yes
Section
11.1.4.2
Yes
CustomerAddress
Phone
Details of the customer address.
Refer section 11.1.4.1 for details.
Details of the customer phone.
Refer section 11.1.4.2 for details.
Financial Intelligence Unit India (FIU-IND)
109
Reporting Format Guide
Version 2.1
12.1.9.1 Enumeration for Gender
Code
Description
Male
Female
Not Categorised
Remarks
The information is not available. No category has been selected
12.1.9.2 Enumeration for IdentificationType
Code
Description
Remarks
Passport
Same code as used in version 1.0
Election ID Card
Same code as used in version 1.0
Pan Card
Same code as used in version 1.0
ID Card
Same code as used in version 1.0
Driving License
Same code as used in version 1.0
Account Introducer
Same code as used in version 1.0
UIDAI Letter
Issued by the Unique Identification Authority of India (UIDAI)
NREGA job card
Signed by an officer of the State Government
Others
Same code as used in version 1.0
12.1.10 element Batch/Report/Transaction/CustomerDetails/CustomerAddress
CustomerAddress provides information on the location, state and country of the customer.
Figure: Overview of Customer Address
12.1.10.1 Type Address
Refer section 11.1.4.1 for details.
Financial Intelligence Unit India (FIU-IND)
110
Reporting Format Guide
Version 2.1
12.1.11 element Batch/Report/Transaction/CustomerDetails/Phone
Refer section 11.1.4.2 for details.
12.1.12 element Batch/Report/Branch
Branch provides information about the branch related to the transaction.
Figure: Overview of Branch
Financial Intelligence Unit India (FIU-IND)
111
Reporting Format Guide
Element
Table: Details of Branch
Description
Version 2.1
Length
Mandatory
InstitutionName
Name of Institution relevant to the
transactions.
As there could be more than one
branch/location relevant to the report,
appropriate details should be provided
in separate records.
80
Yes
InstitutionBranchName
Name of the branch/location relevant to
the transactions.
80
No
20
Yes
Yes
11
No
Unique reference number to uniquely
identify the branch/office of the
institution where the transaction was
conducted.
InstitutionRefNum
The number may be issued by the
regulator/BIC/MICR/IFSC/self generated
or other sources. Refer to earlier
enumeration BranchRefNumType in
section 11.1.10.1 for further details.
Role of the Branch in the transaction.
Permissible values are:
A - Reporting entity itself
B - Other than reporting entity
X - Not categorised
ReportingRole
If the name of the branch/location of the
entity is different from the reporting
entity, the flag should be set as B. For
Example: Report filed by a payment
system provider would have flag as B
in case of details of branch/location of
other payment system participants.
BIC
Bank identification code (BIC) of the
branch as per ISO 9362 (if available)
Address
Details of the branch address.
Refer section 11.1.4.1 for details.
Section
11.1.4.1
Yes
Phone
Details of the branch phone.
Refer section 11.1.4.2 for details.
Section
11.1.4.2
Yes
Branch email id
50
No
Remarks
Any remark in respect of the
branch/location
50
No
Financial Intelligence Unit India (FIU-IND)
112
Reporting Format Guide
Version 2.1
12.1.12.1 Enumeration for ReportingRole
Code
Description
Remarks
Reporting entity itself
The branch/location belongs to the reporting entity
Other than reporting entity
The branch/location belongs to an entity which is not the
reporting entity
Not categorised
The information is not available.
selected
No category has been
12.1.13 element Batch/Report/Branch/Address
Refer section 11.1.4.1 for details.
12.1.14 element Batch/Report/Branch/Phone
Refer section 11.1.4.2 for details.
Financial Intelligence Unit India (FIU-IND)
113
Reporting Format Guide
Version 2.1
12.1.15 element Batch/Report/PaymentInstrument
PaymentInstrument describes the instrument involved in the transaction
Figure: Overview of PaymentInstrument
Financial Intelligence Unit India (FIU-IND)
114
Reporting Format Guide
Version 2.1
Table: Details of PaymentInstrument
Element
Description
Length
Mandatory
InstrumentRefNum
Instrument number such as card number used in
transaction.
20
Yes
20
No
InstrumentIssueInstitutionNam Name of institution which has issued the payment
e
instrument/card.
80
No
InstrumentHolderName
Name of person to whom the payment instrument
was issued.
80
No
RelationshipBeginningDate
Date of issue of payment instrument in YYYY-MMDD Format.
10
No
20
No
20
No
Unique reference number of the institution that has
issued the payment instrument/card.
IssueInstitutionRefNum
The number may be issued by the
regulator/BIC/MICR/IFSC/self generated or other
sources. Refer to earlier enumeration
BranchRefNumType in section 11.1.10.1 for further
details.
Sum of all purchases in the payment
Instrument/card from 1st April of the financial year
till the last day of the month of reporting. If report is
being furnished for Jan 2010 then transactions from
CumulativePurchaseTurnover 1st April 2009 to 31st Jan 2010 have to be
aggregated. The amount should be rounded off to
nearest rupee without decimal. For STRs generated
in the middle of the month, the transactions upto
generation of alert needs to be aggregated.
Remarks
Any remark in respect of the payment instrument/
card.
Financial Intelligence Unit India (FIU-IND)
115
Reporting Format Guide
Version 2.1
12.1.16 element Batch/Report/RelatedPersons
RelatedPersons describes either the individual or the legal person associated with the transaction.
Figure: Overview of Related Person
Financial Intelligence Unit India (FIU-IND)
116
Reporting Format Guide
Version 2.1
Table: Details of RelatedPersons
Element
Description
PersonName
CustomerID
RelationFlag
Length
Mandatory
Full name of the individual or the legal person/entity.
80
Yes
Customer ID/Number.
10
No
Yes
Relation of the person to the transaction.
Permissible values are:
A - Account Holder
B - Authorised Signatory
C - Proprietor/Director/Partner/Member of a legal entity
D - Introducer
E Guarantor
F - Guardian
N Nominee
O - Beneficial Owner
P - Proposer
G - Assignee
L - Life Assured
J Beneficiary
H Power of Attorney
Z - Others
X - Not Categorised.
Refer section 12.1.16.1 for further details on
enumerations.
CommunicationAddress
Details of the persons communication address.
Refer section 12.1.17 for details.
Section
12.1.17
Yes
Phone
Details of the persons phone.
Refer section 12.1.18 for details.
Section
12.1.18
No
Contact email
50
No
SecondAddress
Details of the persons second or alternate address.
Refer section 12.1.17 for details.
Section
12.1.17
No
PAN
Ten Digit PAN card number issued by Income Tax
Department
10
No
UIN
Use UIDAI number for individuals and any other unique
identification number for legal entity (if available).
30
No
Section
12.1.19 and
12.1.20
No
Choice compositor.
Choice
Whether person is Individual or Legal Person.
Financial Intelligence Unit India (FIU-IND)
117
Reporting Format Guide
Version 2.1
12.1.16.1 Enumeration for RelationFlag
Code Description
Remarks
Account Holder
Person in whose name the account stands
Authorised Signatory
Office or representative vested with the powers to
commit the authorizing organisation to a binding
agreement.
Proprietor/Director/Partner/Member of a legal entity
Individuals linked to the legal entity in various
capacities
Introducer
Person who introduced the account to the reporting
entity
Guarantor
A person who contracts to perform the promise, or
discharge the liability, of a third person in case of his
default.
Guardian
Person who operates the account on behalf of the
minor
Nominee
E.g. Nominee as per section 45ZA of the BR act
1949, insurance etc.
Beneficial Owner
Beneficial owner i.e the natural person who
ultimately owns or controls a client and or the person
on whose behalf a transaction is being conducted,
and includes a person who exercises ultimate
effective control over a juridical person
Proposer
Insurance Companies
Assignee
Insurance Companies
Life Assured
Insurance Companies
Beneficiary
Insurance Companies
Power of Attorney
Written document conferring authority on the agent
to perform certain acts or functions on behalf of the
principal.
Banks, Insurance and Intermediaries
Others
Not listed above (including non customer in case of
attempted transactions)
Not Categorised
The information is not available. No category has
been selected
12.1.17 element Batch/Report/RelatedPersons/CommunicationAddress
The element has been explained in detail in section 11.1.4.1
12.1.18 element Batch/Report/RelatedPersons/Phone
The element has been explained in detail in section 11.1.4.2
Financial Intelligence Unit India (FIU-IND)
118
Reporting Format Guide
Version 2.1
12.1.19 element Batch/Report/RelatedPersons/Individual
PersonDetails/Individual provides details of the individual and identification related information.
Figure: Overview of Individual
Financial Intelligence Unit India (FIU-IND)
119
Reporting Format Guide
Element
Table: Details of RelatedPersons/Individual
Description
Version 2.1
Length
Mandatory
Yes
10
No
Yes
Sex of the individual
Permissible values are:
Gender
DateOfBirth
M - Male
F- Female
X Not Categorised.
Refer section 12.1.9.1 for further details on
enumerations.
Mention the date of birth in YYYY-MM-DD format
Document submitted as proof of identity of the
individual
Permissible values are:
IdentificationType
A - Passport
B - Election Id Card
C - Pan Card
D - ID Card
E - Driving License
F - Account Introducer
G - UIDAI Letter
H - NREGA job card
Z Others
Refer section 12.1.9.2 for further details on
enumerations.
IdentificationNumber
Number mentioned in the identification document
20
No
IssuingAuthority
Authority which had issued the identification
document
20
No
PlaceOfIssue
Place where document was issued
20
No
Yes
Nationality of the person
Nationality
Mention the two digit Country code as per ISO
3166 standards. Refer Annexure F for Country
Codes.
PlaceOfWork
Name of organisation/employer.
80
No
FatherOrSpouse
Full name of father/spouse.
80
No
Occupation
Job of the individual
50
No
Financial Intelligence Unit India (FIU-IND)
120
Reporting Format Guide
Version 2.1
12.1.19.1 Enumeration for Gender
Code Description
M
Male
Female
Not Categorised
Remarks
The information is not available. No category has
been selected
12.1.19.2 Enumeration for IdentificationType
Code Description
Remarks
Passport
Same as A used in version 1.0
Election ID Card
Same as B used in version 1.0
Pan Card
Same as C used in version 1.0
ID Card
Same as D used in version 1.0
Driving License
Same as E used in version 1.0
Account Introducer
Same as F used in version 1.0
UIDAI letter
Issued by the Unique Identification Authority of India (UIDAI)
NREGA job card
Signed by an officer of the State Government
Others
Not listed above
Financial Intelligence Unit India (FIU-IND)
121
Reporting Format Guide
Version 2.1
12.1.20 element Batch/Report/RelatedPersons/LegalPerson
LegalPerson provides information about Legal person or entity.
Figure: Overview of LegalPerson
Element
Table: Details of RelatedPersons/LegalPersons
Description
Length
Mandatory
Type of constitution of legal person/entity.
ConstitutionType
Permissible values are:
A - Sole Proprietorship
B - Partnership Firm
C - HUF
D - Private Limited Company
E- Public Limited Company
F- Society
Financial Intelligence Unit India (FIU-IND)
Yes
122
Reporting Format Guide
Element
Description
Version 2.1
Length
Mandatory
G - Association
H - Trust
I - Liquidator
J - LLP
Z - Others
X Not Categorised.
Refer section 12.1.20.1 for further details
on enumerations.
RegistrationNumber
Registration Number as mentioned in the
document
20
No
DateOfIncorporation
Date of incorporation in YYYY-MM-DD
format
10
Yes
PlaceOfRegistration
Place where the document was
registered.
20
No
CountryCode
The two digit country code in which the
entity is incorporated.
Mention country code as per ISO 3166.
Refer Annexure F for country codes.
Yes
NatureOfBusiness
Nature of Business
50
No
12.1.20.1 Enumeration for ConstitutionType
Code Description
Remarks
Sole Proprietorship
Partnership Firm
HUF
Private Limited Company
Public Limited Company
Society
Association
Trust
Liquidator
LLP
Limited Liability Partnership
Others
Not listed above
Not Categorised
The information is not available. No category has
been selected
Financial Intelligence Unit India (FIU-IND)
Hindu Undivided Family
123
Reporting Format Guide
Version 2.1
12.2 Annexure B.2 - TRF Data Structure Version 2.0
This section describes the data structure of version 2.0 of the Transaction Based Reporting formats which can be
used by the reporting entities to generate XML file. The version 2.0 of the data structure for fixed width text files
shall comprise of the following seven data files:
S No.
Filename
Description
TRFBAT.txt
Batch File
TRFRPT.txt
Report File
TRFBRC.txt
Branch File
TRFTRN.txt
Transaction File
TRFPIN.txt
Payment Instrument File
TRFINP.txt
Individual Person File
TRFLPE.txt
Legal Person/Entity File
12.2.1 Data structure of Batch File (TRFBAT.txt)
S.
No.
Field
Line Number*
Type
NUM
Size
From
To
Remarks
Running sequence
number for each line
in the file starting
from 1. This number
will be used during
validation checks.
Mapping to version 1.0
Line Number*
ReportType*
CHAR
Refer section 12.1.1
Report Name
DataStructureVersion*
CHAR
10
10
Refer section 12.1.2
Data Structure
Version*
ReportingEntityName*
CHAR
80
11
90
Refer section 12.1.3
Complete name of
Entity*
ReportingEntityCategory* CHAR
91
95
Refer section 12.1.3
Category of Entity*
RERegistrationNumber
CHAR
12
96
107
Refer section 12.1.3
Regulator Issued code
*
FIUREID*
CHAR
10
108
117
Refer section 12.1.3
Unique ID issued by
FIU*
POName*
CHAR
80
118
197
Refer section 12.1.4
Principal Officers
Name*
PODesignation*
CHAR
80
198
277
Refer section 12.1.4
Principal Officers
Designation*
10
Address*
CHAR
225
278
502
Refer section 12.1.4
Principal Officers
Address*
Financial Intelligence Unit India (FIU-IND)
124
Reporting Format Guide
Version 2.1
S.
No.
Field
Type
Size
From
To
Remarks
Mapping to version 1.0
11
City
CHAR
50
503
552
Refer section 12.1.4
Principal Officers City
12
StateCode*
CHAR
553
554
Refer section 12.1.4
New field
13
PinCode
CHAR
10
555
564
Refer section 12.1.4
Principal Officers Pin
code*
14
CountryCode*
CHAR
565
566
Refer section 12.1.4
Principal Officers
Country Code*
15
Telephone
CHAR
30
567
596
Refer section 12.1.4
Principal Officers
Telephone
16
Mobile
CHAR
30
597
626
Refer section 12.1.4
New field
17
Fax
CHAR
30
627
656
Refer section 12.1.4
Principal Officers FAX
18
POEmail
CHAR
50
657
706
Refer section 12.1.4
Principal Officers Email
19
BatchNumber*
CHAR
707
714
Refer section 12.1.5
Serial Number of
Report*
20
BatchDate*
CHAR
10
715
724
Refer section 12.1.5
Date of Report
726
Refer section 12.1.5
Specified only for
monthly reporting
obligaton (e.g. CTR),
NA for others
Specified only for
monthly reporting
obligaton (e.g. CTR),
NA for others
21
MonthOfReport*
CHAR
725
22
YearOfReport*
CHAR
727
730
Refer section 12.1.5
23
OperationalMode*
CHAR
731
731
Refer section 12.1.5
Operational Mode*
24
BatchType*
CHAR
732
732
Refer section 12.1.5
Report Type*
25
OriginalBatchId*
NUM
10
733
742
Refer section 12.1.5
Serial Number of
Original Report *
26
ReasonOfRevision*
CHAR
743
743
Refer section 12.1.5
Reason for
Replacement*
Financial Intelligence Unit India (FIU-IND)
125
Reporting Format Guide
Version 2.1
12.2.2 Data structure of Report File (TRFRPT.txt)
S.
No.
Field
Type
Size
From
To
Remarks
Mapping to
Version 1.0
LineNumber*
NUM
ReportSerialNum*
NUM
14
Running
sequence
number for each
line in the file
starting from
000001. This
Number will be
used during
validation checks.
Refer section
12.1.6
OriginalReportSerialNum*
NUM
15
22
Refer section
12.1.6
New field
MainPersonName
CHAR
80
23
102
Refer section
12.1.6
New field
SourceOfAlert*
CHAR
103
104
Refer section
12.1.7
New field
AlertIndicator1
CHAR
100
105
204
Refer section
12.1.7
New field
AlertIndicator2
CHAR
100
205
304
Refer section
12.1.7
New field
AlertIndicator3
CHAR
100
305
404
Refer section
12.1.7
New field
SuspicionDueToProceedsOfCrime*
CHAR
405
405
Refer section
12.1.7
Suspicion of
proceeds of crime
Line Number*
New field
Suspicion due to
unusual or
complex
transactions
Suspicion due to
no economic
rationale or
bonafide purpose
Suspicion of
financing of
terrorsim
10
SuspicionDueToComplexTrans*
CHAR
406
406
Refer section
12.1.7
11
SuspicionDueToNoEcoRationale*
CHAR
407
407
Refer section
12.1.7
12
SuspicionOfFinancingOfTerrorism*
CHAR
408
408
Refer section
12.1.7
13
AttemptedTransaction*
CHAR
409
409
Refer section
12.1.7
New field
14
GroundsOfSuspicion*
CHAR
4000
410
4409
Refer section
12.1.7
Grounds of
Suspicion*
Financial Intelligence Unit India (FIU-IND)
126
Reporting Format Guide
Version 2.1
S.
No.
Field
Type
Size
From
To
Remarks
Mapping to
Version 1.0
15
DetailsOfInvestigations
CHAR
4000
4410
8409
Refer section
12.1.7
Details of other
investigations
Correspondence
to/from Law
Enforcement
Agency
16
LEAInformed*
CHAR
8410
8410
Refer section
12.1.7
17
LEADetails
CHAR
250
8411
8660
Refer section
12.1.7
New field
18
PriorityRating*
CHAR
8661
8662
Refer section
12.1.7
Priority Rating
19
ReportCoverage*
CHAR
8663
8663
Refer section
12.1.7
Report Coverage
20
AdditionalDocuments*
CHAR
8664
8664
Refer section
12.1.7
New field
12.2.3 Data structure of Branch File (TRFBRC.txt)
S.
Field
No.
Type
Size
From
To
Remarks
Mapping to
Version 1.0
Line Number*
Line Number*
NUM
Running sequence
number for each line
in the file starting
from 0000001. This
number will be used
during validation
checks.
InstitutionName*
CHAR
80
86
Refer section 12.1.12 Institution Name*
InstitutionBranchName
CHAR
80
87
166
Refer section 12.1.12
InstitutionRefNum*
CHAR
20
167
186
Institution
Refer section 12.1.12 Reference
Number*
Reporting Role
CHAR
187
187
Refer section 12.1.12 New field
BIC
CHAR
11
188
198
Refer section 12.1.12 BIC of the branch
Address*
CHAR
225
199
423
Refer section 12.1.13
City
CHAR
50
424
473
Refer section 12.1.13 Branch City
StateCode*
CHAR
474
475
Refer section 12.1.13 New field
10
PinCode
CHAR
10
476
485
Refer section 12.1.13
Branch Pin
code/ZIP code*
11
CountryCode*
CHAR
486
487
Refer section 12.1.13
Branch Country
Code*
12
Telephone
CHAR
30
488
517
Refer section 12.1.14 Branch Telephone
Financial Intelligence Unit India (FIU-IND)
Institution Branch
Name*
Branch Address*
127
Reporting Format Guide
Version 2.1
S.
Field
No.
Type
Size
From
To
Remarks
Mapping to
Version 1.0
13
Mobile
CHAR
30
518
547
Refer section 12.1.14 New field
14
Fax
CHAR
30
548
577
Refer section 12.1.14 Branch Fax
15
CHAR
50
578
627
Refer section 12.1.12 Branch E-mail
16
Remarks
CHAR
30
628
657
Refer section 12.1.12 Branch Remarks
12.2.4 Data structure of Transaction File (TRFTRN.txt)
S.
No.
Field
Type
Size
From
To
Remarks
Running
sequence number
for each line in
the file starting
from 1. This
number will be
used during
validation checks.
Refer section
12.1.6
Refer section
12.1.8
Refer section
12.1.8
Line Number*
NUM
ReportSerialNum*
NUM
14
TransactionDate*
CHAR
10
15
24
TransactionTime
CHAR
25
32
TransactionRefNo
CHAR
20
33
52
TransactionType*
CHAR
53
53
InstrumentType*
CHAR
54
54
TransactionInstitutionName*
CHAR
80
55
134
Refer section
12.1.8
TransactionInstitutionRefNum*
CHAR
20
135
154
Refer section
12.1.8
10
TransactionStateCode*
CHAR
155
156
11
TransactionCountryCode*
CHAR
157
158
12
PaymentInstrumentNumber
CHAR
20
159
178
Refer section
12.1.8
13
PaymentInstrumentIssueInstituteName
CHAR
80
179
258
Refer section
12.1.8
Financial Intelligence Unit India (FIU-IND)
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Mapping to
Version 1.0
Line Number*
STR Reference
Number *
Transaction
Date *
Transaction
Time
Transaction
Reference
Number
Transaction
Type*
Instrument Type
*
Transaction
Institution
Name*
Transaction
Institution
Reference
Number*
Transaction
State Code
Transaction
Country Code*
Payment
Instrument
Number
Payment
Instrument
Issue Institution
Name
128
Reporting Format Guide
Version 2.1
S.
No.
Field
Type
Size
From
To
Remarks
14
InstrumentIssueInstitutionRefNum
CHAR
20
259
278
Refer section
12.1.8
15
InstrumentCountryCode*
CHAR
279
280
Refer section
12.1.8
16
AmountRupees*
NUM
20
281
300
Refer section
12.1.8
17
AmountForeignCurrency*
NUM
20
301
320
Refer section
12.1.8
18
CurrencyOfTransaction*
CHAR
321
323
19
PurposeOfTransaction*
CHAR
100
324
423
20
PurposeCode
CHAR
424
428
21
RiskRating*
CHAR
429
430
22
CustomerName*
CHAR
80
431
510
23
CustomerId
CHAR
10
511
520
24
Occupation
CHAR
50
521
570
25
DateOfBirth
CHAR
10
571
580
26
Gender
CHAR
581
581
27
Nationality
CHAR
582
583
28
IdentificationType
CHAR
584
584
29
IdentificationNumber
CHAR
20
585
604
30
IssuingAuthority
CHAR
20
605
624
31
PlaceOfIssue
CHAR
20
625
644
32
PAN
CHAR
10
645
654
33
UIN
CHAR
30
655
684
Financial Intelligence Unit India (FIU-IND)
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Refer section
12.1.9
Mapping to
Version 1.0
Payment
Instrument
Issue Institution
Reference
Number
Payment
Instrument
Country Code
Amount in
Rupees*
Amount in
Foreign
Currency Unit
Currency of
Transaction*
Purpose of
transaction*
Purpose Code
Risk Category
Customer
Name*
Customer
Reference
Number
Occupation
Date of Birth
Sex
Nationality
ID Type
ID Number
ID Issuing
Authority
ID Issue Place
PAN
New field
129
Reporting Format Guide
Version 2.1
S.
No.
Field
Type
Size
From
To
34
Address*
CHAR
225
685
909
35
City
CHAR
50
910
959
36
StateCode*
CHAR
960
961
37
PinCode
CHAR
10
962
971
38
CountryCode*
CHAR
972
973
39
Telephone
CHAR
30
974
1003
40
Mobile
CHAR
30
1004
1033
41
Fax
CHAR
30
1034
1063
42
CHAR
50
1064
1113
43
AccountNumber
CHAR
20
1114
1133
44
AccountWithInstitutionName
CHAR
80
1134
1213
45
AccountWithInstitutionRefNum
CHAR
20
1214
1233
46
RelatedInstitutionName
CHAR
80
1234
1313
47
InstitutionRelationFlag
CHAR
1314
1314
48
RelatedInstitutionRefNum
CHAR
20
1315
1334
Refer section
12.1.8
49
Remarks
CHAR
50
1335
1384
Refer section
12.1.8
Remarks
Refer section
12.1.10
Refer section
12.1.10
Refer section
12.1.10
Refer section
12.1.10
Refer section
12.1.10
Refer section
12.1.11
Refer section
12.1.11
Refer section
12.1.11
Refer section
12.1.9
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Refer section
12.1.8
Mapping to
Version 1.0
Address*
City
New field
Address Pin
code/ZIP code*
Address
Country Code
Telephone
Mobile number
New field
E-mail
Account
Number
Account With
Institution Name
Account With
Institution
Reference
Number
Related
Institution Name
Institution
Relation Flag
Related
Institution
Reference
Number
Transaction
Remarks
12.2.5 Data structure of Payment Instrument File (TRFPIN.txt)
S.
Field
No.
Line Number*
Type
NUM
Financial Intelligence Unit India (FIU-IND)
Size
From
To
Remarks
Mapping to Version
1.0
Running sequence
number for each line
in the file starting
Same
from 1. This number
will be used during
validation checks.
130
Reporting Format Guide
S.
Field
No.
Version 2.1
Type
Size
From
To
Remarks
Mapping to Version
1.0
ReportSerialNum*
NUM
14
Refer section 12.1.6
STR Reference
Number *
InstrumentRefNumber*
CHAR
20
15
34
Refer section
12.1.15
Payment Instrument
Reference Number*
IssueInstitutionRefNumber
CHAR
20
35
54
Refer section
12.1.15
Institution Reference
Number*
InstrumentIssueInstitutionName CHAR
80
55
134
Refer section
12.1.15
Institution Name*
InstrumentHolderName
CHAR
80
135
214
Refer section
12.1.15
Payment Instrument
Holder Name
RelationshipBeginningDate
CHAR
10
215
224
Refer section
12.1.15
Relationship
Beginning Date
CumulativePurchaseTurnover
NUM
20
225
244
Refer section
12.1.15
Cumulative
Purchase Turnover
Remarks
CHAR
30
245
274
Refer section
12.1.15
Payment Instrument
Remarks
12.2.6 Data structure of Individual Person File (TRFINP.txt)
S.
Field
No
Type
Size
From
To
Remarks
Mapping to Version
1.0
Line Number*
Line Number*
NUM
Running sequence
number for each line
in the file starting from
000001. This number
will be used during
validation checks.
ReportSerialNum*
NUM
14
Refer section 12.1.6
STR Reference
Number *
PersonName*
CHAR
80
15
94
Refer section 12.1.16
Full name of
Individual*
CustomerId
CHAR
10
95
104
Refer section 12.1.16
Customer ID/Number
RelationFlag*
CHAR
105
105
Refer section 12.1.16
Relation Flag*
Communication
Address*
CHAR
225
106
330
Refer section 12.1.17
Communication
Address*
City
CHAR
50
331
380
Refer section 12.1.17
Communication City
StateCode*
CHAR
381
382
Refer section 12.1.17
New field
PinCode
CHAR
10
383
392
Refer section 12.1.17
Communication
Address Pin code/Zip
code*
10 CountryCode*
CHAR
393
394
Refer section 12.1.17
Communication
Country Code
Financial Intelligence Unit India (FIU-IND)
131
Reporting Format Guide
S.
Field
No
Version 2.1
Remarks
Mapping to Version
1.0
619
Refer section 12.1.17
New field
620
669
Refer section 12.1.17
New field
670
671
Refer section 12.1.17
New field
CHAR
10
672
681
Refer section 12.1.17
New field
15 CountryCode*
CHAR
682
683
Refer section 12.1.17
New field
16 Telephone
CHAR
30
684
713
Refer section 12.1.18
Contact Telephone
17 Mobile
CHAR
30
714
743
Refer section 12.1.18
Contact Mobile
number
18 Fax
CHAR
30
744
773
Refer section 12.1.18
New field
19 Email
CHAR
50
774
823
Refer section 12.1.16
Contact E-mail
20 PAN
CHAR
10
824
833
Refer section 12.1.16
PAN
21 UIN
CHAR
30
834
863
Refer section 12.1.16
New field
22 Gender*
CHAR
864
864
Refer section 12.1.19
Sex
23 DateOfBirth
CHAR
10
865
874
Refer section 12.1.19
Date of Birth
24 IdentificationType
CHAR
875
875
Refer section 12.1.19
Type of Identification
25 IdentificationNumber
CHAR
20
876
895
Refer section 12.1.19
Identification Number
26 IssuingAuthority
CHAR
20
896
915
Refer section 12.1.19
Issuing Authority
27 PlaceOfIssue
CHAR
20
916
935
Refer section 12.1.19
Place of Issue
28 Nationality*
CHAR
936
937
Refer section 12.1.19
Nationality
29 PlaceOfWork
CHAR
80
938
1017
Refer section 12.1.19
Place of Work
30 FatherOrSpouse
CHAR
80
1018
1097
Refer section 12.1.19
Name of
Father/Spouse
31 Occupation
CHAR
50
1098
1147
Refer section 12.1.19
Occupation
Type
Size
From
To
11 Second Address
CHAR
225
395
12 City
CHAR
50
13 StateCode*
CHAR
14 PinCode
12.2.7 Data structure of Legal Person Entity File (TRFLPE.txt)
S.
No
.
Field
Type
Size
From
To
Remarks
Mapping to Version
1.0
Line Number*
Line Number*
NUM
Running sequence
number for each line
in the file starting
from 000001. This
number will be used
during validation
checks.
ReportSerialNum*
NUM
14
Refer section 12.1.6
PersonName*
CHAR
80
15
94
Refer section 12.1.16
Financial Intelligence Unit India (FIU-IND)
STR Reference
Number *
Name of Legal
Person /Entity*
132
Reporting Format Guide
S.
No
.
4
5
Version 2.1
Field
Type
Size
From
To
Remarks
CHAR
CHAR
10
1
95
105
104
105
Refer section 12.1.16
Refer section 12.1.16
CHAR
225
106
330
Refer section 12.1.17
7
8
CustomerId
RelationFlag*
Communication
Address*
City
StateCode*
CHAR
CHAR
50
2
331
381
380
382
Refer section 12.1.17
Refer section 12.1.17
PinCode
CHAR
10
383
392
Refer section 12.1.17
10
CountryCode*
CHAR
393
394
Refer section 12.1.17
11
12
13
14
15
16
Second Address
City
StateCode*
PinCode
CountryCode*
Telephone
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
225
50
2
10
2
30
395
620
670
672
682
684
619
669
671
681
683
713
Refer section 12.1.17
Refer section 12.1.17
Refer section 12.1.17
Refer section 12.1.17
Refer section 12.1.17
Refer section 12.1.18
17
Mobile
CHAR
30
714
743
Refer section 12.1.18
18
19
20
21
22
23
24
25
26
27
Fax
Email
PAN
UIN
ConstitutionType*
RegistrationNumber
DateOfIncorporation
PlaceOfRegistration
CountryCode*
NatureOfBusiness
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
30
50
10
30
1
20
10
20
2
50
744
774
824
834
864
865
885
895
915
917
773
823
833
863
864
884
894
914
916
966
Refer section 12.1.18
Refer section 12.1.16
Refer section 12.1.16
Refer section 12.1.16
Refer section 12.1.20
Refer section 12.1.20
Refer section 12.1.20
Refer section 12.1.20
Refer section 12.1.20
Refer section 12.1.20
Financial Intelligence Unit India (FIU-IND)
Mapping to Version
1.0
Customer ID/Number
Relation Flag*
Communication
Address*
Communication City
New field
Communication
Address Pin code/ZIP
code*
Communication
Country Code
New field
New field
New field
New field
New field
Contact Telephone
Contact Mobile
number
Contact Fax
Contact E-mail
PAN
New field
Type of Constitution*
Registration Number
Date of Incorporation
Place of Registration
New field
Nature of Business
133
Reporting Format Guide
Version 2.1
12.3 Annexure B.3 Validation Rule Matrix
Validations are performed for valid values in enumerations, mandatory values and on rules defined in the external
rule file (SCH format). Advanced validation rules are specified in the internal system of FIU.
12.3.1 Validation of Enumerations
The XML schema has specified list of permissible values for certain elements. The reporting entity is required to
enter valid data from the list of enumerations. In case, the reporting entities do not have valid data for a particular
element, enumeration values like X, XX, (not categorised) etc have been provided. The list of elements having
enumerations is tabulated as below:
S. No.
Element
Section
Batch / ReportType
Section 11.1.1.1
Batch / BatchHeader / DataStructureVersion
Section 11.1.2.1
Batch / BatchHeader / DataSource
Section 11.1.2.2
Batch / ReportingEntity / ReportingEntityCategory
Section 11.1.3.1
Batch / PrincipalOfficer / POAddress / StateCode
Annexure E
Batch / PrincipalOfficer / POAddress / CountryCode
Annexure F
Batch / BatchDetails / MonthOfReport
Section 11.1.5.1
Batch / BatchDetails / YearOfReport
Section 11.1.5.2
Batch / BatchDetails / OperationalMode
Section 11.1.5.3
10
Batch / BatchDetails / BatchType
Section 11.1.5.4
11
Batch / BatchDetails / ReasonOfRevision
Section 11.1.5.5
12
Batch / Report / SuspicionDetails / SourceOfAlert
Section 12.1.7.1
13
Batch / Report / SuspicionDetails / SuspicionDueToProceedsOfCrime
Section 12.1.7
14
Batch / Report / SuspicionDetails / SuspicionDueToComplexTrans
Section 12.1.7
15
Batch / Report / SuspicionDetails / SuspicionDueToNoEcoRationale
Section 12.1.7
16
Batch / Report / SuspicionDetails / SuspicionOfFinancingOfTerrorism
Section 12.1.7
17
Batch / Report / SuspicionDetails / AttemptedTransaction
Section 12.1.7
18
Batch / Report / SuspicionDetails / LEAInformed
Section 12.1.7.2
19
Batch / Report / SuspicionDetails / PriorityRating
Section 12.1.7.3
20
Batch / Report / SuspicionDetails / ReportCoverage
Section 12.1.7.4
21
Batch / Report / SuspicionDetails / AdditionalDocuments
Section 12.1.7
Financial Intelligence Unit India (FIU-IND)
134
Reporting Format Guide
S. No.
Version 2.1
Element
Section
22
Batch / Report / Transaction / TransactionType
Section 12.1.8.1
23
Batch / Report / Transaction / InstrumentType
Section 12.1.8.2
24
Batch / Report / Transaction / TransactionStateCode
Annexure E
25
Batch / Report / Transaction / TransactionCountryCode
Annexure F
26
Batch / Report / Transaction / InstrumentCountryCode
Annexure F
27
Batch / Report / Transaction / CurrencyOfTransaction
Annexure G
28
Batch / Report / Transaction / PurposeCode
Refer RBI Purpose
codes
29
Batch / Report / Transaction / RiskRating
Section 12.1.8.3
30
Batch / Report / Transaction / CustomerDetails / Gender
Section 12.1.9.1
31
Batch / Report / Transaction / CustomerDetails / Nationality
Annexure F
32
Batch / Report / Transaction / CustomerDetails / IdentificationType
Section 12.1.9.2
33
Batch / Report / Transaction / CustomerDetails / CustomerAddress / StateCode
Annexure E
34
Batch / Report / Transaction / CustomerDetails / CustomerAddress / CountryCode
Annexure F
35
Batch / Report / Transaction / InstitutionRelationFlag
Section 12.1.8.4
36
Batch / Report / Branch / ReportingRole
Section 12.1.12.1
37
Batch / Report / BranchAddress / Address / StateCode
Annexure E
38
Batch / Report / BranchAddress / Address / CountryCode
Annexure F
39
Batch / Report / RelatedPersons / RelationFlag
Section 12.1.16.1
40
Batch / Report / RelatedPersons / CommunicationAddress / StateCode
Annexure E
41
Batch / Report / RelatedPersons / CommunicationAddress / CountryCode
Annexure F
42
Batch / Report / RelatedPersons / Individual / Gender
Section 12.1.19.1
43
Batch / Report / RelatedPersons / Individual / IdentificationType
Section 12.1.19.2
44
Batch / Report / RelatedPersons / Individual / Nationality
Annexure F
45
Batch / Report / RelatedPersons / LegalPerson / ConstitutionType
Section 12.1.20.1
46
Batch / Report / RelatedPersons / LegalPerson / CountryCode
Annexure F
Financial Intelligence Unit India (FIU-IND)
135
Reporting Format Guide
Version 2.1
12.3.2 Mandatory Validation Rule Matrix
In addition to the enumerations, the validations for mandatory elements will be conducted by schema level
validation and rule based validation. The mandatary value is being specified at following levels:
MandatoryValue in XSD
Rule based (Fatal) (Specifed as MandatoryValueFatal)
Rule based (Non Fatal (Specifed as MandatoryValueNonFatal)
The rules for validation will be specified in the external rule file (SCH format) which could be revised from time to
time. The sample matrix of the mandatory validation is as under:
S.
No.
Element
Mandatory Value
in XSD
Rule based
(Fatal)
Rule
based
(Non
Fatal)
Batch / ReportingEntity / ReportingEntityName
Batch / ReportingEntity / ReportingEntityCategory
Batch / ReportingEntity / RERegistrationNumber
Batch / ReportingEntity / FIUREID
Batch / PrincipalOfficer / POName
Batch / PrincipalOfficer / PODesignation
Batch / PrincipalOfficer / POAddress / Address
Batch / PrincipalOfficer / POAddress / PinCode
Batch / PrincipalOfficer / POPhone / Telephone
10
Batch / PrincipalOfficer / POPhone / Mobile
11
Batch / PrincipalOfficer / POPhone / Fax
12
Batch / PrincipalOfficer / POEmail
13
Batch / BatchDetails / BatchNumber
14
Batch / BatchDetails / BatchDate
15
Batch / BatchDetails / OriginalBatchID
16
Batch / Report / ReportSerialNum
17
Batch / Report / OriginalReportSerialNum
18
Batch / Report / MainPersonName
19
Batch / Report / SuspicionDetails / GroundsOfSuspicion
Financial Intelligence Unit India (FIU-IND)
Y
Y
136
Reporting Format Guide
Version 2.1
S.
No.
Element
20
Batch / Report / SuspicionDetails /
DetailsOfInvestigations
21
Batch / Report / Transaction / TransactionDate
22
Batch / Report / Transaction / TransactionInstitutionName
23
Batch / Report / Transaction /
TransactionInstitutionRefNum
24
Batch / Report / Transaction / AmountRupees
25
Batch / Report / Transaction / AmountForeignCurrency
26
Batch / Report / Transaction / PurposeOfTransaction
27
Batch / Report / Branch / InstitutionName
28
Batch / Report / Branch / InstitutionRefNum
29
Batch / Report / BranchAddress / Address / Address
30
Batch / Report / BranchAddress / Address / PinCode
Financial Intelligence Unit India (FIU-IND)
Mandatory Value
in XSD
Rule based
(Fatal)
Rule
based
(Non
Fatal)
Y
137
Reporting Format Guide
Version 2.1
12.3.3 Other rules for Preliminary Rule Validation (PRV)
In addition to the enumeration and mandatory validations, rules will also be specified in the external rule file (SCH
format) which could be revised from time to time. Explanation of sample rules is as under:
S. No.
Element
Validation Rule Type
Rule
Batch / PrincipalOfficer / POAddress / Address
SufficiencyLengthNonFatal
Length
should
minimum 8
be
Batch / PrincipalOfficer / POPhone / Telephone
SufficiencyLengthNonFatal
Length
should
minimum 6
be
Batch / PrincipalOfficer / POPhone / Mobile
SufficiencyLengthNonFatal
Length
should
minimum 6
be
Batch / PrincipalOfficer / POEmail
SufficiencyLengthNonFatal
Length
should
minimum 6
be
Batch / BatchDetails / BatchDate
ConsistencyValue
Value should be earlier
than system date
Batch / BatchDetails / BatchDate
ErrorProbablityHigh
Value is earlier than
one year from system
date.
Batch / BatchDetails / MonthOfReport
ErrorProbablityHigh
Value is NA for CTR
Batch / BatchDetails / YearOfReport
ErrorProbablityHigh
Value is NA for CTR
Batch / Report / ReportSerialNum
UniqueValue
Value in a batch should
be unique
10
Batch / Report / SuspicionDetails / SourceOfAlert
SufficiencyElementFatal
If ReportType is STR,
at
least
one
"SuspicionDetail"
element should be
present for each report
11
Batch / Report / Transaction / CustomerDetails /
CustomerAddress / Address
SufficiencyLengthNonFatal
Length
should
minimum 8
be
12
Batch / Report / BranchAddress / Address /
Address
SufficiencyLengthNonFatal
Length
should
minimum 8
be
13
Batch
/
Report
/
RelatedPersons
CommunicationAddress / Address
SufficiencyLengthNonFatal
Length
should
minimum 8
be
14
Batch / Report / Transaction / CustomerDetails /
IdentificationNumber
SufficiencyLengthFatal
Length
should
minimum 5
be
15
Batch / Report / RelatedPersons / Individual /
IdentificationNumber
SufficiencyLengthFatal
Length
should
minimum 5
be
16
Batch / Report / Transaction / TransactionDate
ConsistencyValue
Value should be earlier
Financial Intelligence Unit India (FIU-IND)
138
Reporting Format Guide
S. No.
Element
Validation Rule Type
Version 2.1
Rule
than system date
17
Batch / Report / Transaction / TransactionDate
ConsistencyValue
Value should not be
earlier than one year
from system date
18
Batch / Report / Transaction / CustomerDetails /
DateOfBirth
ConsistencyValue
Value should be earlier
than system date
19
Batch / Report / RelatedPersons / Individual /
DateOfBirth
ConsistencyValue
Value should be earlier
than system date
20
Batch / Report / RelatedPersons / LegalPerson /
DateOfIncorporation
ConsistencyValue
Value should be earlier
than system date
21
Batch / Report / Transaction / AmountRupees
ErrorProbablityMedium
Value of a single cash
transaction
exceeds
1billion INR
12.3.4 Sample Rules for Advanced Rule Validation (ARV)
The rules for Advanced Rule Validation (ARV) will be specified in the internal system of FIU. Explanation of sample
rules is as under:
S. No.
1
Element
Batch / Report / Transaction /
CustomerDetails /
CustomerAddress / Address
Batch / Report / Branch /
BranchDetails / BranchAddress /
Address
Batch / Report / Branch /
BranchDetails / BranchAddress /
PinCode
Batch / Report / Transaction /
CustomerDetails /
CustomerAddress / PinCode
Batch / Report / Transaction /
CustomerDetails / PAN
Financial Intelligence Unit India (FIU-IND)
Validation Rule Type
SufficiencyValue
SufficiencyValue
ConsistencyValueInternalSource
ConsistencyValueInternalSource
ConsistencyValueExternalSource
Explanation
The address should contain
sufficient information
(dictionary based)
The address should contain
sufficient information
(dictionary based)
The pincode of the branch
should match with the pincode
dictionary
The pincode of the customer
should match with the pincode
dictionary
The PAN of the customer
should be a valid PAN in
Income Tax Database
139
Reporting Format Guide
Version 2.1
13 Annexure C - Counterfeit Currency Reporting format (CRF)
This section provides information about the Schema documentation, Data structure of text files and validation rules
for counterfeit currency reporting format.
13.1 Annexure C.1 - Schema Documentation for CCRBasedReport.xsd
This section provides information about the Schema documentation for counterfeit currency reporting format.
13.1.1 element Batch
The element Batch is the root element. This element is "the parent" of all other elements and is common for all the
three reporting formats. This element has been explained in section 11.1.1.
13.1.2 element Batch/BatchHeader
The element BatchHeader contains information about the types of reports in the batch and version information. This
element has been explained in section in 11.1.2.
13.1.3 element Batch/ReportingEntity
The element ReportingEntity contains information about the reporting entity which is submitting the report batch.
This element has been explained in section 11.1.3.
13.1.4 element Batch/PrincipalOfficer
The element Principal Officer contains information about the principal officer of the reporting entity. This element
has been explained in section 11.1.4.
13.1.4.1 Type Address
The element has been explained in detail in section 11.1.4.1
13.1.4.2 Type Phone
The element has been explained in detail in section 11.1.4.2
13.1.5 element Batch/BatchDetails
The element BatchDetails provides information about Batch Number, date, Month & Year of Report, and
Operational mode, Type. If a revised batch is submitted the Original Batch Id and Reason of Revision would be
enabled. This element has been explained in section 11.1.5
13.1.6 element Batch/Report
Report element provides details of the Reports in the batch. The Reports are uniquely identified by the
ReportSerialNum.
Financial Intelligence Unit India (FIU-IND)
140
Reporting Format Guide
Version 2.1
Figure: Overview of Report
Element
ReportSerialNum
Table: Details of Batch/Reports
Description
The report serial number should be unique
within a batch.
Length
Mandatory
Yes
Yes
Indicates the report serial number of the original
report that has to be replaced or deleted.
OriginalReportSerialNum
In case there is no replacement or deletion of
any original report, mention 0 here.
Branch
Details of the branch. Refer section 13.1.7 for
details.
Section
13.1.7
Yes
ReportSummary
Details of the incident. Refer section 13.1.11 for
details.
Section
13.1.11
No
TransactionDetails
Details of the fake currency notes tendered.
Refer section 13.1.12 for details.
Section
13.1.12
Yes
Financial Intelligence Unit India (FIU-IND)
141
Reporting Format Guide
Version 2.1
13.1.7 element Batch/Report/Branch
Branch provides information about the branch where counterfeit currency was detected. The element has been
explained in section 11.1.10
13.1.7.1 Enumeration for BranchRefNumType
The BranchRefNumType is the unique code used to identify the branch. The element has been explained in section
11.1.10.1
13.1.8 element Batch/Report/Branch/BranchDetails
BranchDetails provides information about the branch. The element has been explained in section 11.1.11.
13.1.9 element Batch/Report/Branch/BranchDetails/BranchAddress
The element has been explained in section 11.1.12
13.1.10 element Batch/Report/Branch/BranchDetails/BranchPhone
The element has been explained in section 11.1.13
Financial Intelligence Unit India (FIU-IND)
142
Reporting Format Guide
Version 2.1
13.1.11 element Batch/Report/ReportSummary
ReportSummary provides information on the summary of counterfeit currency detected in one incident.
Figure: Overview of Report Summary
Financial Intelligence Unit India (FIU-IND)
143
Reporting Format Guide
Version 2.1
Table: Details of Report Summary
Element
INR1000NoteCount
INR500NoteCount
INR100NoteCount
INR50NoteCount
INR20NoteCount
INR10NoteCount
INR5NoteCount
Description
Number of counterfeit currency notes of denomination Rs. 1000.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 500.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 100.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 50.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 20.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 10.
Enter 0 if not applicable
Number of counterfeit currency notes of denomination Rs. 5.
Enter 0 if not applicable
Length
Mandatory
10
Yes
10
Yes
10
Yes
10
Yes
10
Yes
10
Yes
Yes
10
Yes
10
No
Total Counterfeit Currency detected in the incident.
FICNValue
DateofTendering
This value should match with the value derived from the number
of notes mentioned above.
Date of tendering of counterfeit currency in YYYY-MM-DD
format, if available.
For Example: 28th May 2010 should be written in YYYY-MM-DD
i.e., 2010-05-28
CashTendered
Total value of cash tendered (including the counterfeit currency),
if available
20
No
DateofDetection
Date of detection of counterfeit currency in YYYY-MM-DD format
if available
10
Yes
Yes
Yes
Point of detection of fake currency.
Permissible values are:
DetectedAt
A- Cash Counter
B- Branch Level
C-Currency Chest
D- RBIs CVPS
Z- Others
Refer section 13.1.11.1 for further details on enumerations.
Whether police was informed
Permissible values are:
PoliceInformed
Y Yes
N No
X Not Categorised.
Refer section 13.1.11.2 for further details on enumerations.
Financial Intelligence Unit India (FIU-IND)
144
Reporting Format Guide
Element
Description
PoliceReportDetail
Version 2.1
Length
Mandatory
Details of FIR, Police Station etc., if available
80
No
TenderingPerson
Person who tendered the counterfeit currency, if available.
80
No
AccountHolder
Name of the Sole/First account holder in whose account the
counterfeit currency was tendered, if available.
80
No
AccountNumber
Account/Card number of the person in whose account the
counterfeit currency was tendered, if available.
20
No
Yes
50
No
Priority attached to the report as per assessment of the reporting
entity.
PriorityRating
Permissible values are:
P1- Very High Priority
P2- High Priority
P3- Normal Priority
XX- Not categorised
The reporting entity can attach P1 priority for reports which
requires immediate attention of FIU. Refer section 13.1.11.3 for
further details on enumerations.
IncidentRemarks
Remarks
13.1.11.1 Enumeration for DetectedAt
Code Description
A
Cash Counter
Branch Level
Currency Chest
RBIs CVPS
Others
Remarks
Not listed above
13.1.11.2 Enumeration for PoliceInformed
This enumeration provides details of Police informed if yes, no or not categorised.
13.1.11.3 Enumeration for PriorityRating
Code Description
Remarks
P1
Very High Priority
For immediate attention by FIU
P2
High Priority
For attention of FIU
P3
Normal Priority
Reasonable time
XX
Not Categorised
The information is not available. No category has been selected
Financial Intelligence Unit India (FIU-IND)
145
Reporting Format Guide
Version 2.1
13.1.12 element Batch/Report/TransactionDetails
TransactionDetails describes details of the note with serial number. This element is optional
Figure: Overview of Transaction Details
Table: TransactionDetails
Element
Description
Length
Mandatory
Denomination
Currency denomination
Refer 13.1.12.1 for details on enumeration
Yes
CurrencySerialNum
The Currency serial number of the counterfeit
note
15
Yes
CurrencyRemarks
Currency remarks
50
No
13.1.12.1 Enumeration for Denomination
Code Description
1000
1000 Rupee note
500
500 Rupee note
100
100 Rupee note
50
50 Rupee note
20
20 Rupee note
10
10 Rupee note
5 Rupee note
Financial Intelligence Unit India (FIU-IND)
Remarks
146
Reporting Format Guide
Version 2.1
13.2 Annexure C.2 - CRF Data Structure Version 2.0
This section describes the data structure of version 2.0 of the Counterfeit Currency Report which can be used by
the reporting entity to generate report in XML format. The version 2.0 of the CCR data structure for fixed width text
files shall comprise of the following four data files:
S No. Filename
Description
CRFBAT.txt
Batch File
CRFRPT.txt
Report File
CRFBRC.txt
Branch File
CRFTRN.txt
Transaction File
13.2.1 Data structure of Batch File (CRFBAT.txt)
S.
Field
No.
Type
Size
From
To
Remarks
Mapping to version
1.0
Line Number*
NUM
Running sequence
number for each line
in the file starting from
Line Number*
000001. This number
will be used during
validation checks.
ReportType*
CHAR
Refer section 13.1.1
Report Name
DataStructureVersion*
CHAR
10
10
Refer section 13.1.2
Data Structure
Version*
ReportingEntityName*
CHAR
80
11
90
Refer section 13.1.3
Complete name of
Entity*
ReportingEntityCategory* CHAR
91
95
Refer section 13.1.3
Category of Entity*
RERegistrationNumber
CHAR
12
96
107
Refer section 13.1.3
Regulator Issued code
*
FIUREID*
CHAR
10
108
117
Refer section 13.1.3
Unique ID issued by
FIU*
POName*
CHAR
80
118
197
Refer section 13.1.4
Principal Officers
Name*
PODesignation*
CHAR
80
198
277
Refer section 13.1.4
Principal Officers
Designation*
10
Address*
CHAR
225
278
502
Refer section 13.1.4
Principal Officers
Address1* + Address2
+ Address3 + Address
4 + Address5
11
City
CHAR
50
503
552
Refer section 13.1.4
New field
12
StateCode*
CHAR
553
554
Refer section 13.1.4
New field
Financial Intelligence Unit India (FIU-IND)
147
Reporting Format Guide
S.
Field
No.
Version 2.1
Type
Size
From
To
Remarks
Mapping to version
1.0
13
PinCode
CHAR
10
555
564
Refer section 13.1.4
Principal Officers Pin
code*
14
CountryCode*
CHAR
565
566
Refer section 13.1.4
New field
15
Telephone
CHAR
30
567
596
Refer section 13.1.4
Principal Officers
Telephone
16
Mobile
CHAR
30
597
626
Refer section 13.1.4
New field
17
Fax
CHAR
30
627
656
Refer section 13.1.4
Principal Officers FAX
18
POEmail
CHAR
50
657
706
Refer section 13.1.4
Principal Officers Email
19
BatchNumber*
CHAR
707
714
Refer section 13.1.5
Serial Number of
Report*
20
BatchDate*
CHAR
10
715
724
Refer section 13.1.5
Date of Report
21
MonthOfReport*
CHAR
725
726
Refer section 13.1.5
New field
22
YearOfReport*
CHAR
727
730
Refer section 13.1.5
New field
23
OperationalMode*
CHAR
731
731
Refer section 13.1.5
Operational Mode*
24
BatchType*
CHAR
732
732
Refer section 13.1.5
Report Type*
25
OriginalBatchId*
NUM
10
733
742
Refer section 13.1.5
Serial Number of
Original Report *
26
ReasonOfRevision*
CHAR
743
743
Refer section 13.1.5
Reason for
Replacement*
Remarks
Mapping to version
1.0
13.2.2 Data structure of Report File (CRFRPT.txt)
S.
Field
No.
Type
Size
From
To
Line Number*
NUM
Running sequence
number for each line
in the file starting from
Line Number*
1. This number will be
used during validation
checks.
ReportSerialNum*
NUM
14
Refer section 13.1.6
New field
OriginalReportSerialNum*
NUM
15
22
Refer section 13.1.6
New field
BranchRefNum*
CHAR
20
23
42
Refer section 13.1.7
Branch Reference
Number*
INR1000NoteCount*
NUM
10
43
52
Refer section 13.1.11 Denomination1000*
INR500NoteCount*
NUM
10
53
62
Refer section 13.1.11 Denomination500*
INR100NoteCount*
NUM
10
63
72
Refer section 13.1.11 Denomination100*
Financial Intelligence Unit India (FIU-IND)
148
Reporting Format Guide
S.
Field
No.
Version 2.1
Type
Size
From
To
Remarks
Mapping to version
1.0
INR50NoteCount*
NUM
10
73
82
Refer section 13.1.11 Denomination50*
INR20NoteCount*
NUM
10
83
92
Refer section 13.1.11 Denomination20*
10 INR10NoteCount*
NUM
10
93
102
Refer section 13.1.11 Denomination10*
11 INR5NoteCount*
NUM
10
103
112
Refer section 13.1.11 Denomination5*
12 FICNValue*
NUM
10
113
122
Refer section 13.1.11
13 DateOfTendering
CHAR
10
123
132
Refer section 13.1.11 Tendering Date
14 CashTendered
NUM
20
133
152
Refer section 13.1.11 Total Cash Tendered
15 DateOfDetection*
CHAR
10
153
162
Refer section 13.1.11 Detection Date*
16 DetectedAt*
CHAR
163
163
Refer section 13.1.11 Detected At*
17 PoliceInformed*
CHAR
164
164
Refer section 13.1.11 Police Informed*
18 PoliceReportDetail
CHAR
80
165
244
Refer section 13.1.11 Police Report Detail
19 TenderingPerson
CHAR
80
245
324
Refer section 13.1.11
Name of Tendering
Person
20 AccountHolder
CHAR
80
325
404
Refer section 13.1.11
Name of Account
Holder
21 AccountNumber
CHAR
20
405
424
Refer section 13.1.11 Account Number
22 PriorityRating*
CHAR
425
426
Refer section 13.1.11 New field
23 IncidentRemarks
CHAR
50
427
476
Refer section 13.1.11 New field
Total Counterfeit
Currency*
13.2.3 Data structure of Branch File (CRFBRC.txt)
S.
Field
No.
Type
Size
From
To
Remarks
Mapping to version
1.0
Line Number*
NUM
Running sequence
number for each line in
the file starting from 1.
This number will be
used during validation Line Number*
checks.
BranchRefNumType*
CHAR
Refer section 13.1.7
Financial Intelligence Unit India (FIU-IND)
New field
149
Reporting Format Guide
S.
Field
No.
Version 2.1
Type
Size
From
To
Remarks
Mapping to version
1.0
BranchRefNum*
CHAR
20
27
Refer section 13.1.7
Branch Reference
Number*
BranchName*
CHAR
80
28
107
Refer section 13.1.8
Name of Branch*
Branch Address1* +
Address2 + Address3
+ Address4 +
Address5
Address*
CHAR
225
108
332
Refer section 13.1.9
City
CHAR
50
333
382
Refer section 13.1.9
New field
StateCode*
CHAR
383
384
Refer section 13.1.9
New field
PinCode
CHAR
10
385
394
Refer section 13.1.9
Branch Pin code*
CountryCode*
CHAR
395
396
Refer section 13.1.9
New field
10 Telephone
CHAR
30
397
426
Refer section 13.1.10
Branch Telephone
11 Mobile
CHAR
30
427
456
Refer section 13.1.10
New field
12 Fax
CHAR
30
457
486
Refer section 13.1.10
Branch Fax
13 BranchEmail
CHAR
50
487
536
Refer section 13.1.8
Branch E-mail
Remarks
Mapping to Version
1.0
13.2.4 Data structure of Transaction File (CRFTRN.txt)
S.
Field
No.
Type
Size
From
To
Line Number*
NUM
Running sequence
number for each line
in the file starting from
New field
1. This number will be
used during validation
checks.
ReportSerialNum*
NUM
14
Refer section 13.1.6
New field
Denomination*
NUM
15
18
Refer section 13.1.12
New field
CurrencySerialNum*
CHAR
15
19
33
Refer section 13.1.12
New field
CurrencyRemarks
CHAR
50
34
83
Refer section 13.1.12
New field
Financial Intelligence Unit India (FIU-IND)
150
Reporting Format Guide
Version 2.1
13.3 Annexure C.3 Validation Rules
Validations are performed for valid values in enumerations, mandatory values and on rules defined in the external
rule file (SCH format). Advanced validation rules are specified in the internal system of FIU.
13.3.1 Validation of Enumerations
The XML schema has specified list of permissiblae values for certain elements. The reporting entity is required to
enter valid data from the list of enumerations. In case, the reporting entities do not have valid data for a particular
element, enumeration values like X, XX, (not categorised) etc have been provided.The list of elements having
enumerations is tabulated as below:
S. No.
Element
Section
Batch / ReportType
Section 11.1.1.1
Batch / BatchHeader / DataStructureVersion
Section 11.1.2.1
Batch / BatchHeader / DataSource
Section 11.1.2.2
Batch / ReportingEntity / ReportingEntityCategory
Section 11.1.3.1
Batch / PrincipalOfficer / POAddress / StateCode
Annexure E
Batch / PrincipalOfficer / POAddress / CountryCode
Annexure F
Batch / BatchDetails / MonthOfReport
Section 11.1.5.1
Batch / BatchDetails / YearOfReport
Section 11.1.5.2
Batch / BatchDetails / OperationalMode
Section 11.1.5.3
10
Batch / BatchDetails / BatchType
Section 11.1.5.4
11
Batch / BatchDetails / ReasonOfRevision
Section 11.1.5.5
12
Batch / Report / Branch / BranchRefNumType
Section 11.1.10.1
13
Batch / Report / Branch / BranchDetails /
BranchAddress / AddressType
Section 11.1.4.3
14
Batch / Report / Branch / BranchDetails /
BranchAddress / StateCode
Annexure E
15
Batch / Report / Branch / BranchDetails /
BranchAddress / CountryCode
Annexure F
16
Batch / Report / ReportSummary / DetectedAt
Section 13.1.11.1
17
Batch / Report / ReportSummary / PoliceInformed
Section 13.1.11.2
18
Batch / Report / ReportSummary / PriorityRating
Section 13.1.11.3
19
Batch / Report / TransactionDetails / Denomination
Section 13.1.12.1
Financial Intelligence Unit India (FIU-IND)
151
Reporting Format Guide
Version 2.1
13.3.2 Mandatory Validation Rule Matrix
In addition to the enumerations, the validations for mandatory elements will be conducted by schema level
validation and rule based validation. The mandatary value is being specified at following level
MandatoryValue in XSD
Rule based (Fatal) (Specifed as MandatoryValueFatal)
Rule based (Non Fatal (Specifed as MandatoryValueNonFatal)
The rules for validation will be specified in the external rule file (SCH format) which could be revised from time to
time. The sample matrix of the mandatory validation is as under:
S. No.
XML Tag
Mandatory
Value in XSD
Rule based
(Fatal)
Rule based
(Non Fatal)
Batch / ReportingEntity / ReportingEntityName
Batch / ReportingEntity / RERegistrationNumber
Batch / ReportingEntity / FIUREID
Batch / PrincipalOfficer / POName
Batch / PrincipalOfficer / PODesignation
Batch / PrincipalOfficer / POAddress / Address
Batch / PrincipalOfficer / POAddress / PinCode
Batch / PrincipalOfficer / POPhone / Telephone
Batch / PrincipalOfficer / POPhone / Mobile
10
Batch / PrincipalOfficer / POPhone / Fax
11
Batch / PrincipalOfficer / POEmail
12
Batch / BatchDetails / BatchNumber
13
Batch / BatchDetails / BatchDate
14
Batch / Report / ReportSummary / INR1000NoteCount
15
Batch / Report / ReportSummary / INR500NoteCount
16
Batch / Report / ReportSummary / INR100NoteCount
17
Batch / Report / ReportSummary / INR50NoteCount
18
Batch / Report / ReportSummary / INR20NoteCount
19
Batch / Report / ReportSummary / INR10NoteCount
20
Batch / Report / ReportSummary / INR5NoteCount
Financial Intelligence Unit India (FIU-IND)
Y
Y
152
Reporting Format Guide
S. No.
Version 2.1
Mandatory
Value in XSD
XML Tag
21
Batch / Report / ReportSummary / FICNValue
22
Batch / Report / ReportSummary / CashTendered
23
Batch / Report / ReportSummary / DateOfDetection
Rule based
(Fatal)
Rule based
(Non Fatal)
Y
Y
Y
13.3.3 Other rules for Preliminary Rule Validation (PRV)
In addition to the enumeration and mandatory validations, rules will also be specified in the external rule file (SCH
format) which could be revised from time to time. Explanation of sample rules is as under:
Validation Rule Type
Explanation
SufficiencyLengthNonFatal
Length should be minimum 8
SufficiencyLengthNonFatal
Length should be minimum 6
SufficiencyLengthNonFatal
Length should be minimum 6
Element
Batch / PrincipalOfficer / POAddress /
Address
Batch / PrincipalOfficer / POPhone /
Telephone
Batch / PrincipalOfficer / POPhone /
Mobile
Batch / PrincipalOfficer / POEmail
SufficiencyLengthNonFatal
Batch / BatchDetails / BatchDate
ConsistencyValue
Batch / BatchDetails / BatchDate
ErrorProbablityHigh
Batch / BatchDetails / MonthOfReport
ErrorProbablityHigh
Length should be minimum 6
Value should be earlier than
current date
Value is earlier than one year
from current date
Value should be NA
Batch / BatchDetails / YearOfReport
ErrorProbablityHigh
10
Batch / Report / ReportSerialNum
UniqueValue
Value should be NA
Value should be unique in a
batch
11
Batch / Report / Branch / BranchDetails /
BranchAddress / Address
SufficiencyLengthNonFatal
Length should be minimum 8
12
Batch / Report / ReportSummary /
FICNValue
ConsistencySum
Batch / Report / ReportSummary /
DateOfTendering
Batch / Report / ReportSummary /
CashTendered
Batch / Report / ReportSummary /
DateOfDetection
Batch / Report / ReportSummary /
DateOfDetection
ConsistencyValue
Batch / Report / TransactionDetails /
Denomination
ConsistencyValue
Batch / Report / ReportSummary /
DateOfTendering
Batch / Report / ReportSummary /
DateOfDetection
ErrorProbablityHigh
S. No.
1
2
4
13
14
15
16
17
18
19
Financial Intelligence Unit India (FIU-IND)
ConsistencyValue
ConsistencyValue
ConsistencyValue
ErrorProbablityHigh
Value should equal sum of
values derived from all Note
Count elements.
Value should be earlier than
system date
Cash tendered should not be
less than FICN Value
Value should be earlier than
system date.
Value should be greater than
date of tendering
Number of tags with a particular
denomination should not be
greater than the value in report
summary details
Value is earlier than one year
from current date.
Value is earlier than one year
from current date
153
Reporting Format Guide
Version 2.1
13.3.4 Sample Rules for Advanced Rule Validation (ARV)
The rules for Advanced Rule Validation (ARV) will be specified in the internal system of FIU. Explanation of sample
rules is as under:
S. No.
1
Element
Batch / Report / Account / Branch /
BranchDetails / BranchAddress /
Address
Batch / Report / Account / Branch /
BranchDetails / BranchAddress /
PinCode
Financial Intelligence Unit India (FIU-IND)
Validation Rule Type
SufficiencyValue
ConsistencyValueInternalSource
Explanation
The address should contain
sufficient information
(dictionary based)
The pincode of the branch
should match with the pincode
dictionary
154
Reporting Format Guide
Version 2.1
14 Annexure D Data Quality Report (DQR)
14.1 Annexure D.1 - Schema Documentation for DataQualityReport.xsd
14.1.1 element DataQualityReport
The element DataQualityReport is the root element. This element is "the parent" of all other elements
Figure: Overview of DataQualityReport
Table: Details of DataQualityReport
Element
Description
Length
Mandatory
Yes
Yes
Type of report in the batch.
ReportType
Permissible values are:
CTR - Cash Transaction Report
STR - Suspicious Transaction Report
NTR - NPO Transaction Report
CCR - Counterfeit Currency Report
One DataQualityReport batch contains error details of one
batch. One batch can have only one type of report.
Type of reporting format in the batch.
ReportFormatType
Permissible values are:
ARF Account based reporting format
TRF Transaction based reporting format
CRF Counterfeit currency based reporting format
One batch can contain only one prescribed type of reporting
format. Refer section 11.1.1.2 for further details on
enumerations.
BatchHeader
Details of the Batch Type and other version information.
Refer section 11.1.2 for details
Section
11.1.2
Yes
ReportingEntity
Details of the Reporting Entity.
Refer section 11.1.3 for details
Section
11.1.3
Yes
Financial Intelligence Unit India (FIU-IND)
155
Reporting Format Guide
Version 2.1
Element
Description
Length
Mandatory
PrincipalOfficer
Details of the Principal Officer.
Refer section 11.1.4 for details
Section
11.1.4
Yes
BatchDetails
Details of the Batch of reports.
Refer section 11.1.5 for details
Section
11.1.5
Yes
AckSummary
Summary of the uploaded batch.
Refer section 14.1.6 for details.
Section
14.1.6
Yes
Details of batch level and report level errors after prelimnary
PreliminaryValidation rule validation (PRV).
Refer section 14.1.13 for details.
Section
14.1.13
Yes
Details of batch level and report level errors after advanced
AdvancedValidation rule validation (ARV).
Refer section 14.1.17 for details.
Section
14.1.18
Yes
14.1.2 element DataQualityReport/BatchHeader
The element BatchHeader contains information about the types of reports in the batch and version information.
Refer section 11.1.2 for details.
14.1.3 element DataQualityReport/ReportingEntity
The element ReportingEntity contains information about the reporting entity which submitted the report batch.
Refer section 11.1.3 for details.
14.1.4 element DataQualityReport/PrincipalOfficer
The element PrincipalOfficer contains information about the principal officer of the reporting entity. Refer section
11.1.4 for details.
14.1.5 element DataQualityReport/BatchDetails
The element BatchDetails provides information about the batch which has been validated. Refer section 11.1.5 for
details.
Financial Intelligence Unit India (FIU-IND)
156
Reporting Format Guide
Version 2.1
14.1.6 element DataQualityReport/AckSummary
The element AckSummary provides details of the acknowledgement of the batch by FIU.
Figure: Overview of AckSummary
Financial Intelligence Unit India (FIU-IND)
157
Reporting Format Guide
Version 2.1
Table: Details of AckSummary
Element
Description
Length
Mandatory
XMLFileName
The name of the report file uploaded by the reporting entity.
30
Yes
BatchID
Unique acknowledgement number generated for the batch.
10
Yes
UpoadTime
The date and time of successful upload of the report.
20
Yes
ReportSize
The size of the report in kilobytes.
10
Yes
Yes
If the file is uploaded without a digital signature an upload
confirrmation is required to be sent to FIU.
ConfirmationRequired
Permissible values are:
Y - Yes
N - No
ReportUploadCount
Number of reports uploaded by the reporting entity.
10
Yes
ReportRejectCount
Number of reports rejected after Preliminary validation
10
Yes
Yes
Section
14.1.7
Yes
Data quality rating communicated to the reporting entity after
each successful upload and validation.
QualityRating
Permissible values are:
A - No fatal or non fatal errors
B - Only non fatal errors
C - <50% reports with fatal errors
D - >= 50% reports with fatal errors
X Not rated
Refer section 14.1.6.1 for further details on enumeration.
FatalErrorCount
Number of fatal errors at the batch and report level.
NonFatalErrorCount
Number of non fatal errors at the batch and report level.
Section
14.1.8
Yes
FatalPreliminaryCount
Number of fatal errors after preliminary validation at the batch
and report level.
Section
14.1.9
Yes
NonFatalPreliminaryCount
Number of non fatal errors after preliminary validation at the
batch and report level.
Section
14.1.10
Yes
FatalAdvancedCount
Number of fatal errors after advanced validation at the batch
and report level.
Section
14.1.11
Yes
NonFatalAdvancedCount
Number of non fatal errors after advanced validation at the
batch and report level.
Section
14.1.12
Yes
Remarks
Additional information about the data quality report.
50
No
Financial Intelligence Unit India (FIU-IND)
158
Reporting Format Guide
Version 2.1
14.1.6.1 Enumeration for QualityRating
Code Description
Remarks
No fatal or non fatal
The batch of reports contains no fatal or non fatal errors
errors
Only non fatal errors The batch of reports has no fatal errors but only non fatal errors
<50% reports with
fatal errors
Few reports (<50%) in the batch have been rejected due to fatal errors
>=50% reports with
fatal errors
Large number of reports (>=50%) in the batch have been rejected due to fatal errors
Non rated
The batch has not been rated
14.1.7 element DataQualityReport/AckSummary/FatalErrorCount
The element FatalErrorCount provides the count of fatal errors in the batch and report.
Figure: Overview of FatalErrorCount
Financial Intelligence Unit India (FIU-IND)
159
Reporting Format Guide
Version 2.1
Table: Details of FatalErrorCount
Element
Description
Length
Mandatory
TotalBatchCount
Total number of fatal errors in the batch level elements.
10
Yes
TotalReportCount
Total number of fatal errors in the reports.
10
Yes
14.1.8 element DataQualityReport/AckSummary/NonFatalErrorCount
The element NonFatalErrorCount provides the count of Non fatal errors in the batch and report.
Figure: Overview of NonFatalErrorCount
Financial Intelligence Unit India (FIU-IND)
160
Reporting Format Guide
Version 2.1
Table: Details of NonFatalErrorCount
Element
Description
Length
Mandatory
TotalBatchCount
Total number of non fatal errors in the
batch level elements.
10
Yes
TotalReportCount
Total number of non fatal errors in the
reports.
10
Yes
14.1.9 element DataQualityReport/AckSummary/FatalPreliminaryCount
The element FatalPreliminaryCount provides the count of fatal errors after the preliminary validation is done of the
batch and report.
Figure: Overview of FatalPreliminaryCount
Financial Intelligence Unit India (FIU-IND)
161
Reporting Format Guide
Element
Version 2.1
Table: Details of FatalPreliminaryCount
Description
Length
Mandatory
TotalBatchCount
Total number of fatal errors in the batch
level elements after preliminary validation
10
Yes
TotalReportCount
Total number of fatal errors in the reports
after preliminary validation
10
Yes
14.1.10 element DataQualityReport/AckSummary/NonFatalPreliminaryCount
The element NonFatalPreliminaryCount provides the count of non fatal errors after the preliminary validation is
done of the batch and report.
Figure: Overview of NonFatalPreliminaryCount
Financial Intelligence Unit India (FIU-IND)
162
Reporting Format Guide
Element
Version 2.1
Table: Details of NonFatalPreliminaryCount
Description
Length
Mandatory
TotalBatchCount
Total number of non fatal errors in
the batch level elements after
preliminary validation
10
Yes
TotalReportCount
Total number of non fatal errors in
the
reports
after
preliminary
validation
10
Yes
14.1.11 element DataQualityReport/AckSummary/FatalAdvancedCount
The element FatalAdvancedCount provides the count of fatal errors after the advanced validation is done of the
batch and report.
Figure: Overview of FatalAdvancedCount
Financial Intelligence Unit India (FIU-IND)
163
Reporting Format Guide
Element
Version 2.1
Table: Details of FatalAdvancedCount
Description
Length
Mandatory
TotalBatchCount
Total number of fatal errors in the batch
level elements after advanced validation
10
Yes
TotalReportCount
Total number of fatal errors in the reports
after advanced validation
10
Yes
14.1.12 element DataQualityReport/AckSummary/NonFatalAdvancedCount
The element NonFatalAdvancedCount provides the count of non fatal errors after the advanced validation is done
of the batch and report.
Figure: Overview of NonFatalAdvancedCount
Financial Intelligence Unit India (FIU-IND)
164
Reporting Format Guide
Element
Version 2.1
Table: Details of NonFatalAdvancedCount
Description
Length
Mandatory
TotalBatchCount
Total number of non fatal errors in the
batch level elements after advanced
validation
10
Yes
TotalReportCount
Total number of non fatal errors in the
reports after advanced validation
10
Yes
14.1.13 element DataQualityReport/PreliminaryValidation
The element PreliminaryValidation provides details of batch level and report level errors.
Figure: Overview of PreliminaryValidation
Element
Table: Details of PreliminaryValidation
Description
Details of fatal and non fatal errors at the batch level.
BatchLevelErrors
Refer section 14.1.14 for details.
ReportLevelErrors
Details of fatal and non fatal errors in the submitted
reports.
Length
Mandatory
Section
14.1.14
Yes
Section
14.1.15
Yes
Refer section 14.1.15 for details.
Financial Intelligence Unit India (FIU-IND)
165
Reporting Format Guide
Version 2.1
14.1.14 element DataQualityReport/PreliminaryValidation/BatchLevelErrors
The element BatchLevelErrors provides details of batch level errors.
Figure: Overview of BatchLevelErrors
Table: Details of BatchLevelErrors
Element
Description
Details of error.
Error
Refer section 14.1.14.1 for details on type error.
Length
Mandatory
Section
14.1.14.1
Yes
14.1.14.1 Type Error
The element Error provides details of errors.
Financial Intelligence Unit India (FIU-IND)
166
Reporting Format Guide
Version 2.1
Table: Details of Error
Element
Description
Type of Error.
Permissible values are:
F -Fatal Error
N -Non Fatal Error
P- Probable Error
ErrorType
Length
Mandatory
Yes
Refer section 14.1.14.2 for details on enumeration.
Validation Rule
Validation rule which has resulted in error
100
Yes
Message
Message giving explanation of the error
150
Yes
XPath
Path where the error has occurred
100
Yes
14.1.14.2 Enumeration for ErrorType
Code
Error Type
Error Description
Error Resolution
Fatal Error
A batch containing fatal errors will be allowed to be
Errors in XML file which
uploaded but reports with fatal errors will be rejected. The
would result in rejection of
reporting entity would be required to resubmit revised
report
reports after resolving fatal errors
Non fatal Error
Errors in XML file which
No requirement to submit a revised report. These errors
will not lead to rejection of are taken into account to compute data quality rating. The
reports
errors may be resolved in future submissions
Probable Error
Errors in XML file which These are not confirmed errors. The reporting entity
will not lead to rejection of would be required to verify and submit revised report only
reports
if error is confirmed
14.1.15 element DataQualityReport/PreliminaryValidation/ReportLevelErrors
The element ReportLevelErrors provides details of report level errors.
Financial Intelligence Unit India (FIU-IND)
167
Reporting Format Guide
Version 2.1
Table: Details of ReportLevelErrors
Element
Description
Details of error in the report.
ReportError
Refer section 14.1.16 for details.
Length
Mandatory
Section
14.1.16
Yes
14.1.16 element DataQualityReport/PreliminaryValidation/ReportLevelErrors/ReportError
The element ReporlError provides details of report that is in error with the serial number of the report
Figure: Overview of ReportError
Table: Details of ReportError
Element
Description
ReportSerialNum
Unique Serial number identifying the report
Error
Details of error in the report.
Refer section 14.1.14.1 for details on Type Error
Length
Mandatory
10
Yes
Section
14.1.14.1
Yes
14.1.17 element DataQualityReport/AdvancedValidation
The element AdvancedValidation provides details of batch level and report level errors.
Figure: Overview of AdvancedValidation
Financial Intelligence Unit India (FIU-IND)
168
Reporting Format Guide
Version 2.1
14.1.18 element DataQualityReport/AdvancedValidation/BatchLevelErrors
The element BatchLevelErrors provides details of batch level errors. Refer section 14.1.14 for BatchLevelErrors.
14.1.19 element DataQualityReport/AdvancedValidation/ReportLevelErrors
The element ReportLevelErrors provides details of report level errors with the serial number of the report. Refer
section 14.1.15 for ReportLevelErrors.
Financial Intelligence Unit India (FIU-IND)
169
Reporting Format Guide
Version 2.1
15 Annexure E - State Codes
Two digit state codes for States and Union territories have been defined in the Motor Vehicles Act, 1988.
S. No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
Code
AN
AP
AR
AS
BR
CH
CG
DN
DD
DL
GA
GJ
HR
HP
JK
JH
KA
KL
LD
MP
MH
MN
ML
MZ
NL
OR
PY
PB
RJ
SK
TN
TR
UP
UA
WB
ZZ
XX
Name of State/UT
Andaman & Nicobar
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chandigarh
Chhattisgarh
Dadra and Nagar Haveli
Daman & Diu
Delhi
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Lakshadweep
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Pondicherry
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Others
Not Applicable
Financial Intelligence Unit India (FIU-IND)
170
Reporting Format Guide
Version 2.1
16 Annexure F - Country Codes (ISO 3166)
S No.
Code Country Name
AF
Afghanistan
AX
Aland Islands
AL
Albania
DZ
Algeria
AS
American Samoa
AD
Andorra
AO
Angola
AI
Anguilla
AQ
Antarctica
10
AG
Antigua And Barbuda
11
AR
Argentina
12
AM
Armenia
13
AW
Aruba
14
AU
Australia
15
AT
Austria
16
AZ
Azerbaijan
17
BS
Bahamas
18
BH
Bahrain
19
BD
Bangladesh
20
BB
Barbados
21
BY
Belarus
22
BE
Belgium
23
BZ
Belize
24
BJ
Benin
25
BM
Bermuda
26
BT
Bhutan
27
BO
Bolivia
28
BA
Bosnia And Herzegovina
29
BQ
Bonaire, Sint Eustatius and Saba
30
BW
Botswana
31
BV
Bouvet Island
32
BR
Brazil
33
IO
British Indian Ocean Territory
34
BN
Brunei Darussalam
35
BG
Bulgaria
36
BF
Burkina Faso
Financial Intelligence Unit India (FIU-IND)
171
Reporting Format Guide
S No.
Version 2.1
Code Country Name
37
BI
Burundi
38
KH
Cambodia
39
CM
Cameroon
40
CA
Canada
41
CV
Cape Verde
42
KY
Cayman Islands
43
CF
Central African Republic
44
TD
Chad
45
CL
Chile
46
CN
China
47
CX
Christmas Island
48
CC
Cocos (Keeling) Islands
49
CO
Colombia
50
KM
Comoros
51
CG
Congo
52
CD
Congo, The Democratic Republic Of The
53
CK
Cook Islands
54
CR
Costa Rica
55
CI
Cte D'ivoire
56
HR
Croatia
57
CU
Cuba
58
CW
Curacao
59
CY
Cyprus
60
CZ
Czech Republic
61
DK
Denmark
62
DJ
Djibouti
63
DM
Dominica
64
DO
Dominican Republic
65
EC
Ecuador
66
EG
Egypt
67
SV
El Salvador
68
GQ
Equatorial Guinea
69
ER
Eritrea
70
EE
Estonia
71
ET
Ethiopia
72
FK
Falkland Islands (Malvinas)
73
FO
Faroe Islands
74
FJ
Fiji
75
FI
Finland
Financial Intelligence Unit India (FIU-IND)
172
Reporting Format Guide
S No.
Version 2.1
Code Country Name
76
FR
France
77
GF
French Guiana
78
PF
French Polynesia
79
TF
French Southern Territories
80
GA
Gabon
81
GM
Gambia
82
GE
Georgia
83
DE
Germany
84
GH
Ghana
85
GI
Gibraltar
86
GR
Greece
87
GL
Greenland
88
GD
Grenada
89
GP
Guadeloupe
90
GU
Guam
91
GT
Guatemala
92
GG
Guernsey
93
GN
Guinea
94
GW
Guinea-Bissau
95
GY
Guyana
96
HT
Haiti
97
HM
Heard Island And McDonald Islands
98
VA
Vatican City State
99
HN
Honduras
100
HK
Hong Kong
101
HU
Hungary
102
IS
Iceland
103
IN
India
104
ID
Indonesia
105
IR
Iran, Islamic Republic Of
106
IQ
Iraq
107
IE
Ireland
108
IM
Isle Of Man
109
IL
Israel
110
IT
Italy
111
JM
Jamaica
112
JP
Japan
113
JE
Jersey
114
JO
Jordan
Financial Intelligence Unit India (FIU-IND)
173
Reporting Format Guide
S No.
Version 2.1
Code Country Name
115
KZ
Kazakhstan
116
KE
Kenya
117
KI
Kiribati
118
KP
Korea, Democratic People's Republic Of
119
KR
Korea, Republic Of
120
KW
Kuwait
121
KG
Kyrgyzstan
122
LA
Lao People's Democratic Republic
123
LV
Latvia
124
LB
Lebanon
125
LS
Lesotho
126
LR
Liberia
127
LY
Libyan Arab Jamahiriya
128
LI
Liechtenstein
129
LT
Lithuania
130
LU
Luxembourg
131
MO
Macao
132
MK
Macedonia, The Former Yugoslav Republic Of
133
MG
Madagascar
134
MW
Malawi
135
MY
Malaysia
136
MV
Maldives
137
ML
Mali
138
MT
Malta
139
MH
Marshall Islands
140
MQ
Martinique
141
MR
Mauritania
142
MU
Mauritius
143
YT
Mayotte
144
MX
Mexico
145
FM
Micronesia, Federated States Of
146
MD
Moldova, Republic Of
147
MC
Monaco
148
MN
Mongolia
149
ME
Montenegro
150
MS
Montserrat
151
MA
Morocco
152
MZ
Mozambique
153
MM
Myanmar
Financial Intelligence Unit India (FIU-IND)
174
Reporting Format Guide
S No.
Version 2.1
Code Country Name
154
NA
Namibia
155
NR
Nauru
156
NP
Nepal
157
NL
Netherlands
158
AN
Netherlands Antilles
159
NC
New Caledonia
160
NZ
New Zealand
161
NI
Nicaragua
162
NE
Niger
163
NG
Nigeria
164
NU
Niue
165
NF
Norfolk Island
166
MP
Northern Mariana Islands
167
NO
Norway
168
OM
Oman
169
PK
Pakistan
170
PW
Palau
171
PS
Palestinian Territory, Occupied
172
PA
Panama
173
PG
Papua New Guinea
174
PY
Paraguay
175
PE
Peru
176
PH
Philippines
177
PN
Pitcairn
178
PL
Poland
179
PT
Portugal
180
PR
Puerto Rico
181
QA
Qatar
182
RE
Reunion Island
183
RO
Romania
184
RU
Russian Federation
185
RW
Rwanda
186
BL
Saint Barthelemy
187
SH
Saint Helena, Ascension And Tristan da Cunha
188
KN
Saint Kitts And Nevis
189
LC
Saint Lucia
190
MF
Saint Martin
191
PM
Saint Pierre And Miquelon
192
VC
Saint Vincent And The Grenadines
Financial Intelligence Unit India (FIU-IND)
175
Reporting Format Guide
S No.
Version 2.1
Code Country Name
193
WS
Samoa
194
SM
San Marino
195
ST
Sao Tome And Principe
196
SA
Saudi Arabia
197
SN
Senegal
198
RS
Serbia
199
SC
Seychelles
200
SL
Sierra Leone
201
SG
Singapore
202
SX
Sint Marteen
203
SK
Slovakia
204
SI
Slovenia
205
SB
Solomon Islands
206
SO
Somalia
207
ZA
South Africa
208
GS
South Georgia And The South Sandwich Islands
209
SS
South Sudan
210
ES
Spain
211
LK
Sri Lanka
212
SD
Sudan
213
SR
Suriname
214
SJ
Svalbard And Jan Mayen Islands
215
SZ
Swaziland
216
SE
Sweden
217
CH
Switzerland
218
SY
Syrian Arab Republic
219
TW
Taiwan, Province Of China
220
TJ
Tajikistan
221
TZ
Tanzania, United Republic Of
222
TH
Thailand
223
TL
Timor-Leste
224
TG
Togo
225
TK
Tokelau
226
TO
Tonga
227
TT
Trinidad And Tobago
228
TN
Tunisia
229
TR
Turkey
230
TM
Turkmenistan
231
TC
Turks And Caicos Islands
Financial Intelligence Unit India (FIU-IND)
176
Reporting Format Guide
S No.
Version 2.1
Code Country Name
232
TV
Tuvalu
233
UG
Uganda
234
UA
Ukraine
235
AE
United Arab Emirates
236
GB
United Kingdom
237
US
United States
238
UM
United States Minor Outlying Islands
239
UY
Uruguay
240
UZ
Uzbekistan
241
VU
Vanuatu
242
VE
Venezuela, Bolivarian Republic Of
243
VN
Viet Nam
244
VG
Virgin Islands, British
245
VI
Virgin Islands, U.S.
246
WF
Wallis And Futuna
247
EH
Western Sahara
248
YE
Yemen
249
ZM
Zambia
250
ZW
Zimbabwe
251
XX
Not categorised
252
ZZ
Others
Financial Intelligence Unit India (FIU-IND)
177
Reporting Format Guide
Version 2.1
17 Annexure G - Currency Codes (ISO 4127)
S No.
Code
Currency Name
AFA
Afghanistan Afghani
ALL
Albanian Lek
DZD
Algerian Dinar
AOR
Angolan Kwanza
ARS
Argentine Peso
AMD
Armenian Dram
AWG
Aruban Guilder
AUD
Australian Dollar
AZN
Azerbaijani an New Manat
10
BSD
Bahamian Dollar
11
BHD
Bahraini Dinar
12
BDT
Bangladeshi Taka
13
BBD
Barbados Dollar
14
BYR
Belarusian Ruble
15
BZD
Belize Dollar
16
BMD
Bermudian Dollar
17
BTN
Bhutan Ngultrum
18
BOB
Bolivian Boliviano
19
BWP
Botswana Pula
20
BRL
Brazilian Real
21
GBP
British Pound
22
BND
Brunei Dollar
23
BGN
Bulgarian Lev
24
BIF
Burundi Franc
25
KHR
Cambodian Riel
26
CAD
Canadian Dollar
27
CVE
Cape Verde Escudo
28
KYD
Cayman Islands Dollar
29
XOF
CFA Franc BCEAO
30
XAF
CFA Franc BEAC
31
XPF
CFP Franc
32
CLP
Chilean Peso
33
CNY
Chinese Yuan Renminbi
34
COP
Colombian Peso
35
KMF
Comoros Franc
36
CDF
Congolese Franc
Financial Intelligence Unit India (FIU-IND)
178
Reporting Format Guide
S No.
Code
Version 2.1
Currency Name
37
CRC
Costa Rican Colon
38
HRK
Croatian Kuna
39
CUP
Cuban Peso
40
CZK
Czech Koruna
41
DKK
Danish Kroner
42
DJF
Djibouti Franc
43
DOP
Dominican Peso
44
XCD
East Caribbean Dollar
45
EGP
Egyptian Pound
46
SVC
El Salvador Colon
47
ERN
Eritrean nakfa
48
EEK
Estonian Kroon
49
ETB
Ethiopian Birr
50
EUR
EU Euro
51
FKP
Falkland Islands Pound
52
FJD
Fiji Dollar
53
GMD
Gambian Dalasi
54
GEL
Georgian Lari
55
GHS
Ghanaian New Cedi
56
GIP
Gibraltar Pound
57
XAU
Gold (Ounce)
58
XFO
Gold Franc
59
GTQ
Guatemalan Quetzal
60
GNF
Guinean Franc
61
GYD
Guyana Dollar
62
HTG
Haitian Gourde
63
HNL
Honduran Lempira
64
HKD
Hong Kong SAR Dollar
65
HUF
Hungarian Forint
66
ISK
Icelandic Krona
67
XDR
IMF Special Drawing Right
68
INR
Indian Rupee
69
IDR
Indonesian Rupiah
70
IRR
Iranian Rial
71
IQD
Iraqi Dinar
72
ILS
Israeli New Shekel
73
JMD
Jamaican Dollar
74
JPY
Japanese Yen
75
JOD
Jordanian Dinar
Financial Intelligence Unit India (FIU-IND)
179
Reporting Format Guide
S No.
Code
Version 2.1
Currency Name
76
KZT
Kazakhstani Tenge
77
KES
Kenyan Shilling
78
KWD
Kuwaiti Dinar
79
KGS
Kyrgyz Som
80
LAK
Lao Kip
81
LVL
Latvian Lats
82
LBP
Lebanese Pound
83
LSL
Lesotho Loti
84
LRD
Liberian Dollar
85
LYD
Libyan Dinar
86
LTL
Lithuanian Lit as
87
MOP
Macao Patacas
88
MKD
Macedonian Denary
89
MGA
Malagasy Ariary
90
MWK
Malawi Kwacha
91
MYR
Malaysian Ringgit
92
MVR
Maldivian Rufiyaa
93
MRO
Mauritanian Ouguiya
94
MUR
Mauritius Rupee
95
MXN
Mexican Peso
96
MDL
Moldovan Leu
97
MNT
Mongolian Tugrik
98
MAD
Moroccan Dirham
99
MZN
Mozambique New Metical
100
MMK
Myanmar Kyat
101
NAD
Namibian Dollar
102
NPR
Nepalese Rupee
103
ANG
Netherlands Antillean Guilder
104
NAF
Netherlands Antillean Florin
105
NZD
New Zealand Dollar
106
NIO
Nicaraguan Cordoba Oro
107
NGN
Nigerian Naira
108
KPW
North Korean Won
109
NOK
Norwegian Kroner
110
OMR
Omani Rial
111
PKR
Pakistani Rupee
112
XPD
Palladium (Ounce)
113
PAB
Panamanian Balboa
114
PGK
Papua New Guinea Kina
Financial Intelligence Unit India (FIU-IND)
180
Reporting Format Guide
S No.
Code
Version 2.1
Currency Name
115
PYG
Paraguayan Guarani
116
PEN
Peruvian Nuevo Sol
117
PHP
Philippine Peso
118
XPT
Platinum (Ounce)
119
PLN
Polish Zloty
120
QAR
Qatari Rial
121
RON
Romanian New Leu
122
RUB
Russian Ruble
123
RWF
Rwandan Franc
124
SHP
Saint Helena Pound
125
WST
Samoan tala
126
STD
Sao Tome And Principe Dobra
127
SAR
Saudi Riyal
128
RSD
Serbian Dinar
129
SCR
Seychelles Rupee
130
SLL
Sierra Leone
131
XAG
Silver (Ounce)
132
SGD
Singapore Dollar
133
SBD
Solomon Islands Dollar
134
SOS
Somali Shilling
135
ZAR
South African Rand
136
KRW
South Korean Won
137
SSP
South Sudanese Pound
138
LKR
Sri Lanka Rupee
139
SDG
Sudanese Pound
140
SRD
Suriname Dollar
141
SZL
Swaziland Lilangeni
142
SEK
Swedish Krona
143
CHF
Swiss Franc
144
SYP
Syrian Pound
145
TWD
Taiwan New Dollar
146
TJS
Tajik Somoni
147
TZS
Tanzanian Shilling
148
THB
Thai Baht
149
TOP
Tongan Pa'anga
150
TTD
Trinidad And Tobago Dollar
151
TND
Tunisian Dinar
152
TRY
Turkish Lira
153
TMT
Turkmen New Man at
Financial Intelligence Unit India (FIU-IND)
181
Reporting Format Guide
S No.
Code
Version 2.1
Currency Name
154
AED
UAE Dirham
155
UGX
Uganda New Shilling
156
XFU
UIC Franc
157
UAH
Ukrainian Hryvnia
158
UYU
Peso Uruguayo
159
USD
US Dollar
160
UZS
Uzbekistani Sum
161
VUV
Vanuatu Vatu
162
VEF
Venezuelan Bolivar Fuertes
163
VND
Vietnamese Dong
164
YER
Yemeni Rial
165
ZMK
Zambian Kwacha
166
ZWL
Zimbabwe Dollar
167
XXX
Not Categorised
168
ZZZ
Others
Financial Intelligence Unit India (FIU-IND)
182
You might also like
- AML Transaction Monitoring Reports AlertsNo ratings yetAML Transaction Monitoring Reports Alerts2 pages
- Report Validation Utility User Guide 1.2No ratings yetReport Validation Utility User Guide 1.228 pages
- Financial Reporting and Management Reporting System NotesNo ratings yetFinancial Reporting and Management Reporting System Notes7 pages
- CHAPTER 8 - Financial Reporting and Management Reporting SystemsNo ratings yetCHAPTER 8 - Financial Reporting and Management Reporting Systems6 pages
- Financial and Management Reporting SystemsNo ratings yetFinancial and Management Reporting Systems7 pages
- FIU_FINNet2.0_Reporting_Format_for_VASP_v_1.0No ratings yetFIU_FINNet2.0_Reporting_Format_for_VASP_v_1.032 pages
- Functional, Enterprise and Interorganizational System: 8.1 Information Systems To Support Business FunctionsNo ratings yetFunctional, Enterprise and Interorganizational System: 8.1 Information Systems To Support Business Functions31 pages
- Chapter 2 Introduction To Transaction ProcessingNo ratings yetChapter 2 Introduction To Transaction Processing7 pages
- International Financial Reporting Standards: Revised Readiness ToolkitNo ratings yetInternational Financial Reporting Standards: Revised Readiness Toolkit39 pages
- FIU FINNet2.0 User Manual FINGate Reports v 1.13No ratings yetFIU FINNet2.0 User Manual FINGate Reports v 1.13311 pages
- AIS Chapter 2 Introduction To Transaction Processing100% (1)AIS Chapter 2 Introduction To Transaction Processing7 pages
- International Financial Reporting Standards: Revised Readiness ToolkitNo ratings yetInternational Financial Reporting Standards: Revised Readiness Toolkit40 pages
- Accounting Information System Final ExamNo ratings yetAccounting Information System Final Exam6 pages
- Chapter8 Fiancial Reporting by James HallNo ratings yetChapter8 Fiancial Reporting by James Hall43 pages
- Chapter 2 Introduction To Transaction Processing AisNo ratings yetChapter 2 Introduction To Transaction Processing Ais5 pages
- Ch8-Financial Reporting & Management Reporting SystemsNo ratings yetCh8-Financial Reporting & Management Reporting Systems78 pages
- Financial Account Information Return XML Schema v2.0No ratings yetFinancial Account Information Return XML Schema v2.065 pages
- Ch2-Introduction To Transaction ProcessingNo ratings yetCh2-Introduction To Transaction Processing69 pages
- P6 - 160824 (Unlocked by WWW - Freemypdf.com)No ratings yetP6 - 160824 (Unlocked by WWW - Freemypdf.com)664 pages
- What is mean by hypothesis, explain types of hypothesisNo ratings yetWhat is mean by hypothesis, explain types of hypothesis3 pages
- Accounting Standards BT O'neill Ngirazi Accounting Standards BT O'neill NgiraziNo ratings yetAccounting Standards BT O'neill Ngirazi Accounting Standards BT O'neill Ngirazi7 pages
- Learning Unit 16 - Financial Reporting StructureNo ratings yetLearning Unit 16 - Financial Reporting Structure10 pages
- BU8400 - Project Guidelines and StructureNo ratings yetBU8400 - Project Guidelines and Structure36 pages
- Financial Reporting and Management Reporting SystemsNo ratings yetFinancial Reporting and Management Reporting Systems40 pages
- WebRTC: APIs and RTCWEB Protocols of the HTML5 Real-Time Web, Third EditionFrom EverandWebRTC: APIs and RTCWEB Protocols of the HTML5 Real-Time Web, Third Edition5/5 (1)
- Mastering Flutter and Dart: Elegant Code for Cross-Platform SuccessFrom EverandMastering Flutter and Dart: Elegant Code for Cross-Platform SuccessNo ratings yet
- Diagnosing and Repairing Failures With 11g Data Recovery AdvisorNo ratings yetDiagnosing and Repairing Failures With 11g Data Recovery Advisor12 pages
- Displaying Data From Data Base: Home Oracle Application Framework Oaf TutorialsNo ratings yetDisplaying Data From Data Base: Home Oracle Application Framework Oaf Tutorials5 pages
- Veritas 5360 Appliance Product Description GuideNo ratings yetVeritas 5360 Appliance Product Description Guide79 pages
- PHP File Handling: Reading From Files With PHP FunctionNo ratings yetPHP File Handling: Reading From Files With PHP Function13 pages
- Hacking: Using Internet Search Engine As A Tool To Find Information Related To Creativity & Innovation100% (1)Hacking: Using Internet Search Engine As A Tool To Find Information Related To Creativity & Innovation34 pages
- T24 Uses JBASE As The Back End To Store Its DataNo ratings yetT24 Uses JBASE As The Back End To Store Its Data3 pages
- How To Export - Import Displacement File From - Into CAESAR IINo ratings yetHow To Export - Import Displacement File From - Into CAESAR II4 pages
- Export Div Data To PDF in ASP Net Using CNo ratings yetExport Div Data To PDF in ASP Net Using C2 pages
- Velammal Vidyalaya Practical Programs-Term2 Class XII-Computer Science 2022-2023No ratings yetVelammal Vidyalaya Practical Programs-Term2 Class XII-Computer Science 2022-202316 pages
- Library Borrowing Database Management SystemNo ratings yetLibrary Borrowing Database Management System13 pages
- Path Management and SAN Boot With Mpio On Aix: Power Systems Advanced Technical SkillsNo ratings yetPath Management and SAN Boot With Mpio On Aix: Power Systems Advanced Technical Skills55 pages
- CDR Collector /charging Gateway: Alcatel 2002 3AT 06724 AAAA DEZZA V01No ratings yetCDR Collector /charging Gateway: Alcatel 2002 3AT 06724 AAAA DEZZA V0126 pages
- DocumentumContentServer 6.5.0 SP3 P24 ReadMeNo ratings yetDocumentumContentServer 6.5.0 SP3 P24 ReadMe12 pages
