CTR & STR Compliance Control Center

Anti-Money Laundering (AML) & CFT Regulatory Reporting Terminal

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Cash Transaction Reports (CTR - Monthly Cash Registry)

Scans and compiles cash transactions exceeding INR 10 Lakhs limit (Single or monthly cumulative cash deposits/withdrawals).

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No CTR reports found matching your search.

Suspicious Transaction Activity Pipeline (STR Management)

Behavioral & structural AML alerts generated by KYC profile rules engine. Investigator actions update state in real-time.

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No Suspicious Transaction alerts matching your criteria.
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CTR - Cash Transaction Report

As mandated by Section 12 of the **Prevention of Money Laundering Act (PMLA), 2002** and RBI KYC guidelines, banks must record and report all high-value cash transactions.

1. Transaction Threshold

All cash transactions (either deposits or withdrawals) of **value more than INR 10 Lakhs** (or its equivalent in foreign currency) in a single transaction.

2. Monthly Aggregation Rule (Structuring check)

A series of cash transactions in a calendar month that are **integrally connected** and accumulate to a total value exceeding **INR 10 Lakhs** must be compiled and reported in the monthly CTR.

3. Reporting Timeline

CTRs must be generated and uploaded to the FIU-IND gateway **by the 15th day of the succeeding month** (e.g., June transactions must be uploaded by July 15th).

Important Note: Transactions where the net cash balance does not change but high volume is rotated (e.g., cash withdrawals immediately deposited back) must be reported under CTR as separate debit and credit records.
STR - Suspicious Transaction Report

Every reporting entity must maintain vigilance over account transactions. If there are reasonable grounds to suspect transactions involve proceeds of crime, an STR must be generated.

1. What Constitutes Suspicion?

Transactions that are complex, show unusual patterns, mismatch the customer’s business/risk profile, have no apparent economic rationale, or involve suspected proceeds of crime or terror funding.

2. No Minimum Threshold Limit

**There is no minimum monetary limit** for STR. An alert should be generated for any transaction, regardless of size, if suspicious behavior is flagged.

3. Reporting Timeline

The STR must be filed to FIU-IND **within 7 days** of the Principal Compliance Officer confirming the suspicion.

Strict Tipping-off Restriction: It is illegal to disclose or "tip-off" to the client that their account is being monitored, investigated, or reported under an STR. Complete confidentiality must be maintained.
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