13.15 Reporting

User stories

• As a compliance officer, I want regulatory returns generated automatically with audit trail.
• As a CRO, I want a monthly board pack.
• As a partner, I want my MIS in my format on time.

API requirements

• GET /reports/regulatory/{return}/{period}.
• POST /reports/regulatory/{return}/{period}/submit.
• GET /reports/bureau/{cic}/{period}.

Data model

• regulatory_return, bureau_submission, board_pack, partner_mis_template.

UI screens

• Compliance: returns dashboard, submission log.
• Board: read-only board-pack viewer.

Backend services

• Reporting service (warehouse-backed).
• Submission orchestration.

External integrations

• RBI portal, CIC portals, CKYCR.

Test cases

• Monthly bureau submission completes.
• Returns regenerate identical on re-run.
• Submission ack captured.

Edge cases

• CIC rejection — error file → fix → resubmit.
• RBI portal downtime at deadline.

Acceptance criteria

• Monthly bureau submission 100% on time.
• Major RBI returns automated.
• Board pack live by 5th of next month.