| Risk Category | +Primary Criteria / Basis | +Examples / Thresholds | +
|---|---|---|
| High Risk | +PEPs, High-Risk Industries, High Income / Turnovers | ++ Politicians; Real Estate, Import/Export; Commission Agents; Income > ₹20L/yr; Turnover > ₹1 Crore + | +
| Medium Risk | +Self-Employed, Professionals, Cross-Border, Moderate Income | ++ Business Owners, Traders; Doctors, Lawyers, CAs; NRI, PIO, OCI; Income > ₹6L/yr; Turnover > ₹20L + | +
| Low Risk | +Non-Earning, Government Employment, Agriculture / Manual | +Students, Minors, Homemakers; Govt/PSU Employees; Farmers, Daily Wage; Income <= ₹6L/yr | +
Anti-Money Laundering (AML) & CFT Regulatory Reporting Terminal
++ Scans and compiles cash transactions exceeding INR 10 Lakhs limit (Single or monthly cumulative cash + deposits/withdrawals). +
+| Report Payload Name | +Reporting Period | +Record Count | +Generated By | +Generated Date | +Status | +Actions | +
|---|---|---|---|---|---|---|
| {{ report.month }} | ++ {{ report.recordCount }} txns + | +{{ report.generatedBy }} | +{{ report.generatedAt | date: 'medium' }} | +Ready | ++ + | +|
| No CTR reports found matching your search. | +||||||
+ Behavioral & structural AML alerts generated by KYC profile rules engine. Investigator actions update + state in real-time. +
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++ 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. +
+ ++ All cash transactions (either deposits or withdrawals) of **value more than INR 10 Lakhs** (or its + equivalent in foreign currency) in a single transaction. +
++ 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. +
++ 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). +
++ 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. +
+ ++ 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. +
++ **There is no minimum monetary limit** for STR. An alert should be generated for any transaction, + regardless of size, if suspicious behavior is flagged. +
++ The STR must be filed to FIU-IND **within 7 days** of the Principal Compliance Officer confirming the + suspicion. +
+