Presently, only AD Category-I banks submit daily LRS returns on the Centralised Information Management System (CIMS) and include LRS transactions of their attached AD Category-II banks and Full Fledged Money Changers (FFMCs). From January 2026 onwards, AD Category-II banks/entities and FFMCs will directly submit their own LRS daily returns, allowing them to monitor the cumulative PAN-wise LRS remittances of residents before approving new transactions.