{
 "what_this_is": "The daily check on every BankPulse answer. Six questions are asked of each answer. Every one can be shown to anyone. Nothing here is rewritten by a machine.",
 "the_six_checks": [
  "Is every document this answer rests on still in our corpus?",
  "Is the text of that document byte for byte what it was yesterday?",
  "Does every paragraph this answer cites still exist?",
  "Does the BankPulse rule page for that document still exist?",
  "Is the link to RBI still working?",
  "Has a new amendment been issued to that document since we last looked?"
 ],
 "checked_at_ist": "15 September 2026, 06:05 AM IST",
 "checked_at_utc": "2026-09-15T00:35:34Z",
 "first_run": false,
 "answers_checked": 8,
 "answers_ok": 8,
 "answers_flagged": 0,
 "documents_checked": 6,
 "documents_with_trouble": [],
 "answers": {
  "can-a-bank-charge-foreclosure-charges-on-a-loan": {
   "question": "Can a bank charge foreclosure or pre-closure charges on a loan?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140",
    "nt13108",
    "md12942",
    "md13013",
    "md13039",
    "md12987"
   ],
   "paragraphs": [
    "Para 261(2)",
    "Para 313(2)",
    "Para 34(2)",
    "Para 352",
    "Para 353",
    "Para 353(1)",
    "Para 353(2)",
    "Para 353(3)",
    "Para 353(4)",
    "Para 353(5)",
    "Para 353(6)",
    "Para 353(7)",
    "Para 353(8)",
    "Para 353(9)",
    "Para 373(2)"
   ]
  },
  "is-a-foreclosure-charge-payable-by-a-udyam-small-enterprise": {
   "question": "My firm is registered on Udyam as a small enterprise. Is a foreclosure charge payable?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140",
    "md12942",
    "nt13108",
    "md13013",
    "md13039",
    "md12987"
   ],
   "paragraphs": [
    "Para 261(2)",
    "Para 313(2)",
    "Para 34(2)",
    "Para 353",
    "Para 353(2)",
    "Para 353(3)",
    "Para 353(4)",
    "Para 373(2)"
   ]
  },
  "when-the-interest-rate-changes-does-the-emi-change-or-the-tenor": {
   "question": "When the interest rate changes, does the bank change the EMI or the tenor?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 349(1)",
    "Para 349(2)",
    "Para 349(3)",
    "Para 349(4)",
    "Para 349(5)",
    "Para 349(6)"
   ]
  },
  "when-must-a-bank-return-my-property-papers-after-i-close-my-loan": {
   "question": "When must a bank return my property papers after I close my loan?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 354",
    "Para 355",
    "Para 356",
    "Para 357",
    "Para 358",
    "Para 359"
   ]
  },
  "can-a-bank-charge-penal-interest-on-a-loan": {
   "question": "Can a bank charge penal interest on a loan?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 351(1)",
    "Para 351(2)",
    "Para 351(3)",
    "Para 351(4)",
    "Para 351(5)",
    "Para 351(6)",
    "Para 351(7)"
   ]
  },
  "can-a-bank-charge-a-fee-that-is-not-in-the-key-facts-statement": {
   "question": "Can a bank charge a fee that is not written in the Key Facts Statement?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 348(4)",
    "Para 348(5)",
    "Para 348(6)",
    "Para 353(8)"
   ]
  },
  "can-a-bank-charge-a-foreclosure-fee-when-it-recalls-the-loan": {
   "question": "Can a bank charge a foreclosure fee when the bank itself recalls the loan?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 353(7)",
    "Para 353(8)",
    "Para 353(9)"
   ]
  },
  "is-a-pre-payment-charge-allowed-on-a-fixed-rate-loan": {
   "question": "Is a pre-payment charge allowed on a fixed rate loan?",
   "status": "ok",
   "reasons": [],
   "documents": [
    "md13140"
   ],
   "paragraphs": [
    "Para 353(1)",
    "Para 353(4)",
    "Para 353(5)",
    "Para 353(8)"
   ]
  }
 },
 "documents": {
  "md12942": {
   "title": "Reserve Bank of India (Non-Banking Financial Companies – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  },
  "md12987": {
   "title": "Reserve Bank of India (Rural Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  },
  "md13013": {
   "title": "Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  },
  "md13039": {
   "title": "Reserve Bank of India (Regional Rural Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  },
  "md13140": {
   "title": "Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  },
  "nt13108": {
   "title": "Reserve Bank of India (Small Finance Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)",
   "troubles": []
  }
 }
}