{
 "name": "BankPulse RBI Master Direction Crosswalk — families",
 "generated_at": "18 Jun 2026, 01:42 IST",
 "generated_at_iso": "2026-06-18T01:42:08+05:30",
 "dateModified": "2026-06-18T01:42:08+05:30",
 "count": 14,
 "hub": "https://bankpulse.ai/crosswalk/",
 "description": "Each RBI issuing-department / Master Direction family with the documents tracked, Master Direction anchors, and the BankPulse dashboards & glossary terms it links to.",
 "source": "Built from RBI publications (rbi.org.in); reviewed by CA Vikram Dhariwal Jain. Independent platform, not affiliated with the Reserve Bank of India.",
 "total_recent": 237,
 "new_in_90_days_total": 180,
 "new_in_90_days_cutoff_est": "2026-03-20",
 "current_fy": "2026-27",
 "current_fy_note": "Per-family fy_count is the number of tracked circulars mapped to this family in the current RBI financial year (current_fy), derived from the RBI reference number (RBI/YYYY-YY). RBI financial years run 1 April-31 March.",
 "new_in_90_days_note": "Per-family new_in_90_days estimates circulars mapped in roughly the last 90 days from the RBI notification Id (a monotonic chronological proxy), since RBI publishes a usable date on under 1% of records; treat as an estimate, not exact counts.",
 "recent_summary": [
  {
   "code": "DOR",
   "name": "Department of Regulation",
   "url": "https://bankpulse.ai/crosswalk/department-of-regulation/",
   "recent_count": 20
  },
  {
   "code": "DPSS",
   "name": "Payment & Settlement Systems",
   "url": "https://bankpulse.ai/crosswalk/payment-settlement-systems/",
   "recent_count": 20
  },
  {
   "code": "FIDD",
   "name": "Financial Inclusion & Priority Sector",
   "url": "https://bankpulse.ai/crosswalk/financial-inclusion-priority-sector/",
   "recent_count": 20
  },
  {
   "code": "FED",
   "name": "Foreign Exchange (FEMA)",
   "url": "https://bankpulse.ai/crosswalk/foreign-exchange-fema/",
   "recent_count": 20
  },
  {
   "code": "FMRD",
   "name": "Financial Markets Regulation",
   "url": "https://bankpulse.ai/crosswalk/financial-markets-regulation/",
   "recent_count": 20
  },
  {
   "code": "DOS",
   "name": "Supervision",
   "url": "https://bankpulse.ai/crosswalk/supervision/",
   "recent_count": 20
  },
  {
   "code": "DGBA",
   "name": "Government & Bank Accounts",
   "url": "https://bankpulse.ai/crosswalk/government-bank-accounts/",
   "recent_count": 20
  },
  {
   "code": "IDMD",
   "name": "Internal Debt Management",
   "url": "https://bankpulse.ai/crosswalk/internal-debt-management/",
   "recent_count": 20
  },
  {
   "code": "DCM",
   "name": "Currency Management",
   "url": "https://bankpulse.ai/crosswalk/currency-management/",
   "recent_count": 20
  },
  {
   "code": "DNBR",
   "name": "NBFC Regulation",
   "url": "https://bankpulse.ai/crosswalk/nbfc-regulation/",
   "recent_count": 20
  },
  {
   "code": "DIT",
   "name": "Information Technology & Cyber",
   "url": "https://bankpulse.ai/crosswalk/information-technology-cyber/",
   "recent_count": 15
  },
  {
   "code": "CEPD",
   "name": "Consumer Protection",
   "url": "https://bankpulse.ai/crosswalk/consumer-protection/",
   "recent_count": 13
  },
  {
   "code": "OTHER",
   "name": "General / Cross-departmental",
   "url": "https://bankpulse.ai/crosswalk/general-cross-departmental/",
   "recent_count": 7
  },
  {
   "code": "EFD",
   "name": "Enforcement",
   "url": "https://bankpulse.ai/crosswalk/enforcement/",
   "recent_count": 2
  }
 ],
 "most_recently_updated": [
  {
   "code": "DOR",
   "name": "Department of Regulation",
   "url": "https://bankpulse.ai/crosswalk/department-of-regulation/",
   "last_updated_iso": "2026-06-17",
   "last_updated_basis": "pubdate",
   "latest_fy": "2026-27"
  },
  {
   "code": "FMRD",
   "name": "Financial Markets Regulation",
   "url": "https://bankpulse.ai/crosswalk/financial-markets-regulation/",
   "last_updated_iso": "2026-06-17",
   "last_updated_basis": "pubdate",
   "latest_fy": "2026-27"
  },
  {
   "code": "IDMD",
   "name": "Internal Debt Management",
   "url": "https://bankpulse.ai/crosswalk/internal-debt-management/",
   "last_updated_iso": "2026-06-17",
   "last_updated_basis": "pubdate",
   "latest_fy": "2026-27"
  },
  {
   "code": "OTHER",
   "name": "General / Cross-departmental",
   "url": "https://bankpulse.ai/crosswalk/general-cross-departmental/",
   "last_updated_iso": "2026-06-17",
   "last_updated_basis": "pubdate",
   "latest_fy": "2021-20"
  },
  {
   "code": "DPSS",
   "name": "Payment & Settlement Systems",
   "url": "https://bankpulse.ai/crosswalk/payment-settlement-systems/",
   "last_updated_iso": "2026-06-15",
   "last_updated_basis": "pubdate",
   "latest_fy": "2026-27"
  },
  {
   "code": "EFD",
   "name": "Enforcement",
   "url": "https://bankpulse.ai/crosswalk/enforcement/",
   "last_updated_iso": "2026-06-15",
   "last_updated_basis": "pubdate",
   "latest_fy": "2024-25"
  },
  {
   "code": "FIDD",
   "name": "Financial Inclusion & Priority Sector",
   "url": "https://bankpulse.ai/crosswalk/financial-inclusion-priority-sector/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2026-27"
  },
  {
   "code": "FED",
   "name": "Foreign Exchange (FEMA)",
   "url": "https://bankpulse.ai/crosswalk/foreign-exchange-fema/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2026-27"
  },
  {
   "code": "DOS",
   "name": "Supervision",
   "url": "https://bankpulse.ai/crosswalk/supervision/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2024-25"
  },
  {
   "code": "DGBA",
   "name": "Government & Bank Accounts",
   "url": "https://bankpulse.ai/crosswalk/government-bank-accounts/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2025-26"
  },
  {
   "code": "DCM",
   "name": "Currency Management",
   "url": "https://bankpulse.ai/crosswalk/currency-management/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2026-27"
  },
  {
   "code": "CEPD",
   "name": "Consumer Protection",
   "url": "https://bankpulse.ai/crosswalk/consumer-protection/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2025-26"
  },
  {
   "code": "DNBR",
   "name": "NBFC Regulation",
   "url": "https://bankpulse.ai/crosswalk/nbfc-regulation/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2013-20"
  },
  {
   "code": "DIT",
   "name": "Information Technology & Cyber",
   "url": "https://bankpulse.ai/crosswalk/information-technology-cyber/",
   "last_updated_iso": null,
   "last_updated_basis": "fy",
   "latest_fy": "2025-26"
  }
 ],
 "families": [
  {
   "code": "DOR",
   "name": "Department of Regulation",
   "description": "Prudential, licensing & governance norms for banks and NBFCs.",
   "faqs": [
    {
     "question": "What does the RBI Department of Regulation family cover?",
     "answer": "Prudential, licensing & governance norms for banks and NBFCs. On BankPulse this family groups 2302 RBI documents we track, anchored by 12 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code DOR."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Department of Regulation?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 2302 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the Capital Adequacy Ratio (CRAR) for banks in India?",
     "answer": "The Capital to Risk-weighted Assets Ratio (CRAR), often just called capital adequacy, is the minimum capital a bank must hold against its risk-weighted assets so it can absorb losses. Under the Basel III framework as implemented by the Reserve Bank’s Department of Regulation, scheduled commercial banks must maintain a minimum total CRAR of 9% — higher than the 8% Basel floor — plus a Capital Conservation Buffer of 2.5%, taking the effective requirement to about 11.5%. The exact composition (Common Equity Tier 1, Additional Tier 1 and Tier 2) and any buffers are set in the prudential Master Directions linked on this page. This is general information, not advice; methodology reviewed by CA Vikram Dhariwal Jain, and BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the RBI rule on interest rates on deposits for co-operative banks?",
     "answer": "Interest rates on deposits held by co-operative banks are governed by the Reserve Bank’s consolidated Master Direction on Interest Rate on Deposits, issued by the Department of Regulation. Within the RBI’s framework a co-operative bank is free to set its own deposit interest rates, but it must do so through a board-approved policy and apply the rates uniformly — the same rate for all customers on a deposit of a given amount and maturity, with no discrimination between otherwise similar depositors. The Direction allows a few well-defined exceptions, such as differential rates on bulk deposits above a notified threshold, an additional rate for senior citizens, and preferential rates on staff and certain non-resident deposits, while savings-account interest is calculated on the daily balance. The RBI periodically amends this Master Direction — for example to revise the bulk-deposit threshold or refine definitions — and each such amendment is folded into the consolidated text linked on this page, which always carries the exact, current terms. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/department-of-regulation/",
   "documents_tracked": 2302,
   "master_anchors": 12,
   "new_in_90_days": 143,
   "linked_dashboards": [
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    },
    {
     "title": "NPA / Asset-Quality Tracker",
     "url": "https://bankpulse.ai/dashboards/npa/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "CRAR (Capital adequacy)",
     "url": "https://bankpulse.ai/glossary/#crar"
    },
    {
     "term": "CRAR buffers (Capital Conservation, Countercyclical, D-SIB)",
     "url": "https://bankpulse.ai/glossary/#crar-buffers"
    },
    {
     "term": "CCyB (Countercyclical Capital Buffer)",
     "url": "https://bankpulse.ai/glossary/#ccyb"
    },
    {
     "term": "ALM (Asset-Liability Management)",
     "url": "https://bankpulse.ai/glossary/#alm"
    },
    {
     "term": "Tier 1 & Tier 2 capital",
     "url": "https://bankpulse.ai/glossary/#tier-capital"
    },
    {
     "term": "Gross NPA (GNPA)",
     "url": "https://bankpulse.ai/glossary/#gnpa"
    },
    {
     "term": "NSFR (Net Stable Funding Ratio)",
     "url": "https://bankpulse.ai/glossary/#nsfr"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": "2026-06-17",
   "latest_fy": "2026-27",
   "fy_count": 109,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "",
     "title": "Reserve Bank of India (Rural Co-operative Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13514&Mode=0"
    },
    {
     "ref": "RBI/2026-27/143",
     "title": "Reserve Bank of India (Rural Co-operative Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13514&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13513&Mode=0"
    },
    {
     "ref": "RBI/2026-27/142",
     "title": "Reserve Bank of India (Urban Co-operative Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13513&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Local Area Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13512&Mode=0"
    },
    {
     "ref": "RBI/2026-27/141",
     "title": "Reserve Bank of India (Local Area Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13512&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Regional Rural Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13511&Mode=0"
    },
    {
     "ref": "RBI/2026-27/140",
     "title": "Reserve Bank of India (Regional Rural Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13511&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13510&Mode=0"
    },
    {
     "ref": "RBI/2026-27/139",
     "title": "Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13510&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13509&Mode=0"
    },
    {
     "ref": "RBI/2026-27/138",
     "title": "Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13509&Mode=0"
    },
    {
     "ref": "RBI/2026-27/137",
     "title": "Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Sixth Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13508&Mode=0"
    },
    {
     "ref": "RBI/2026-27/136",
     "title": "Reserve Bank of India (Non-Banking Financial Companies – Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13507&Mode=0"
    },
    {
     "ref": "RBI/2026-27/135",
     "title": "Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13506&Mode=0"
    },
    {
     "ref": "RBI/2026-27/134",
     "title": "Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13505&Mode=0"
    },
    {
     "ref": "RBI/2026-27/133",
     "title": "Reserve Bank of India (All India Financial Institutions – Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13504&Mode=0"
    },
    {
     "ref": "RBI/2026-27/132",
     "title": "Reserve Bank of India (Commercial Banks- Prudential Norms on Capital Adequacy) Ninth Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13503&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Non-Banking Financial Companies – Undertaking of Financial Services) Second Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13501&Mode=0"
    },
    {
     "ref": "",
     "title": "Reserve Bank of India (Rural Co-operative Banks – Undertaking of Financial Services) Second Amendment Directions, 2026",
     "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13500&Mode=0"
    }
   ]
  },
  {
   "code": "DPSS",
   "name": "Payment & Settlement Systems",
   "description": "Authorisation and oversight of payment systems, UPI, PPIs & cards.",
   "faqs": [
    {
     "question": "What does the RBI Payment & Settlement Systems family cover?",
     "answer": "Authorisation and oversight of payment systems, UPI, PPIs & cards. On BankPulse this family groups 259 RBI documents we track, anchored by 2 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code DPSS."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Payment & Settlement Systems?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 259 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between UPI and IMPS?",
     "answer": "Both UPI and IMPS are real-time, 24x7 electronic fund-transfer systems operated by the National Payments Corporation of India (NPCI) and overseen by the Reserve Bank’s Department of Payment and Settlement Systems under the Payment and Settlement Systems Act, 2007. IMPS (Immediate Payment Service), launched in 2010, moves money instantly between bank accounts using the beneficiary’s account number and IFSC code, or an MMID and mobile number. UPI (Unified Payments Interface), launched in 2016, is built on top of the IMPS rails but adds a layer that lets you link several bank accounts to a single mobile app and pay using a Virtual Payment Address (UPI ID) or a QR code, without sharing account details — and is typically free for person-to-person transfers. In short, UPI is the newer, app-and-VPA-based experience riding on IMPS infrastructure. This is general information, not advice; the governing circulars are linked on this page. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between RTGS and NEFT?",
     "answer": "RTGS and NEFT are the Reserve Bank’s two main systems for moving money between bank accounts, both operated by the RBI under the Payment and Settlement Systems Act, 2007 and overseen by its Department of Payment and Settlement Systems. RTGS (Real Time Gross Settlement) settles each transaction individually and continuously, in real time and on a one-to-one gross basis, and is meant for large-value transfers — the minimum amount is Rs 2 lakh, with no upper limit — making it the route for high-value and time-critical payments. NEFT (National Electronic Funds Transfer) settles transactions in batches at frequent intervals rather than one-by-one, and has no minimum or maximum amount, so it suits everyday transfers of any size. Both systems now operate 24x7x365, and customers are not charged by the RBI for online RTGS or NEFT transfers, though banks may levy their own charges for branch-based requests. In short, RTGS is real-time and gross for large values, while NEFT is batch-based and works for amounts of any size. This is general information, not advice; the governing circulars are linked on this page. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/payment-settlement-systems/",
   "documents_tracked": 259,
   "master_anchors": 2,
   "new_in_90_days": 3,
   "linked_dashboards": [
    {
     "title": "RBI Penalty Tracker",
     "url": "https://bankpulse.ai/dashboards/penalties/"
    },
    {
     "title": "Credit & Deposit Growth",
     "url": "https://bankpulse.ai/dashboards/credit-deposit/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "UPI",
     "url": "https://bankpulse.ai/glossary/#upi"
    },
    {
     "term": "KYC / AML",
     "url": "https://bankpulse.ai/glossary/#kyc-aml"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": "2026-06-15",
   "latest_fy": "2026-27",
   "fy_count": 1,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "RBI/DPSS/2026-27/396",
     "title": "RBI/CO.DPSS.POLC.No.S56/02.14.003/2026-27 April 21, 2026 Index Introduction Short Title and Commencement Appl",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13374&Mode=0"
    },
    {
     "ref": "RBI/2026-27/08",
     "title": "CO.DPSS.ID.No.S20/06-08-017/2026-2027 April 09, 2026 The Chairman / Managing Director / Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13367&Mode=0"
    },
    {
     "ref": "RBI/2025-26/172",
     "title": "CO.DPSS.ODD.No.S1074/06-08-024/2025-2026 January 01, 2026 To All Prepaid Payment Instrument (PPI) Issuers Mad",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13248&Mode=0"
    },
    {
     "ref": "RBI/2025-26/171",
     "title": "CO.DPSS.ODD.No.S1073/06-08-024/2025-2026 January 01, 2026 To All White Label ATM Operators Madam / Dear Sir,",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13247&Mode=0"
    },
    {
     "ref": "RBI/2025-26/170",
     "title": "CO.DPSS.ODD.No.S1072/06-08-024/2025-2026 January 01, 2026 To All MTSS Overseas Principals Madam / Dear Sir, R",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13246&Mode=0"
    },
    {
     "ref": "RBI/2025-26/156",
     "title": "CO.DPSS.RLPD.No.S1039/04-07-001/2025-2026 December 24, 2025 The Chairman / Managing Director / Chief Executiv",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13232&Mode=0"
    },
    {
     "ref": "RBI/2025-26/101",
     "title": "CO.DPSS.POLC.No.S-955/02-30-010/2025-26 November 28, 2025 All Payment System Providers and Payment System Par",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13171&Mode=0"
    },
    {
     "ref": "RBI/2025-26/81",
     "title": "CO.DPSS.RLPD.No.S680/04-07-001/2025-2026 September 26, 2025 The Chairman / Managing Director / Chief Executiv",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12900&Mode=0"
    },
    {
     "ref": "RBI/2025-26/79",
     "title": "CO.DPSS.POLC.No. S 668/02-14-015/2025-2026 September 25, 2025 Reserve Bank of India (Authentication mechanism",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12898&Mode=0"
    },
    {
     "ref": "RBI/DPSS/2025-26/141",
     "title": "CO.DPSS.POLC.No.S-633/02-14-008/2025-26 September 15, 2025 All Payment System Providers and Payment System Pa",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12896&Mode=0"
    },
    {
     "ref": "RBI/2025-26/77",
     "title": "CO.DPSS.ODD.No.S604/06-08-024/2025-2026 September 05, 2025 To All SCBs (including RRBs), UCBs, StCBs, DCCBs,",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12895&Mode=0"
    },
    {
     "ref": "RBI/2025-26/73",
     "title": "CO.DPSS.RLPD.No.S536/04-07-001/2025-2026 August 13, 2025 The Chairman / Managing Director / Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12891&Mode=0"
    },
    {
     "ref": "RBI/2025-26/63",
     "title": "CO.DPSS.POLC.No.S339/02-01-001/2025-2026 June 27, 2025 The Chairman / Managing Director / Chief Executive All",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12877&Mode=0"
    },
    {
     "ref": "RBI/2024-25/134",
     "title": "CO.DPSS.RPPD.No.S1278/03-01-002/2024-2025 March 28, 2025 The Chairman and Managing Director / Chief Executive",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12803&Mode=0"
    },
    {
     "ref": "RBI/2024-25/99",
     "title": "CO.DPSS.RPPD.No.S987/04.03.001/2024-25 December 30, 2024 The Chairman / Managing Director / Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12759&Mode=0"
    },
    {
     "ref": "RBI/2024-2025/97",
     "title": "CO.DPSS.POLC.No.S972/02-14-006/2024-25 December 27, 2024 All Prepaid Payment Instrument Issuers (Banks and No",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12756&Mode=0"
    },
    {
     "ref": "RBI/2024-25/93",
     "title": "CO.DPSS.POLC.No.S908/02-14-003/2024-25 December 04, 2024 The Chairman / Managing Director / Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12752&Mode=0"
    },
    {
     "ref": "RBI/2024-2025/85",
     "title": "DPSS.CO.RLVPD.No.S789/02.07.038/2024-25 October 28, 2024 Central Counterparties authorised by RBI / Central C",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12744&Mode=0"
    },
    {
     "ref": "RBI/2024-25/83",
     "title": "CO.DPSS.POLC.No.S-708/02-12-004/2024-25 October 11, 2024 All Payment System Participants Madam / Dear Sir, Fa",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12741&Mode=0"
    },
    {
     "ref": "RBI/2024-25/64",
     "title": "CO.DPSS.POLC.No.S528/02-14-003/2024-25 August 22, 2024 The Chairman / Managing Director / Chief Executive Off",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12722&Mode=0"
    }
   ]
  },
  {
   "code": "FIDD",
   "name": "Financial Inclusion & Priority Sector",
   "description": "Priority-sector lending, RRBs, co-operative credit & inclusion.",
   "faqs": [
    {
     "question": "What does the RBI Financial Inclusion & Priority Sector family cover?",
     "answer": "Priority-sector lending, RRBs, co-operative credit & inclusion. On BankPulse this family groups 893 RBI documents we track, anchored by 10 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code FIDD."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Financial Inclusion & Priority Sector?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 893 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What counts as priority sector lending (PSL)?",
     "answer": "Priority Sector Lending (PSL) is the Reserve Bank’s requirement that banks channel a defined share of their credit to sectors of the economy that might not otherwise receive adequate or timely finance. The eligible categories set by the Financial Inclusion and Development Department (FIDD) are agriculture; micro, small and medium enterprises (MSMEs); export credit; education; housing; social infrastructure; renewable energy; and lending to weaker sections. Domestic scheduled commercial banks and foreign banks with 20 or more branches must direct 40% of their Adjusted Net Bank Credit (ANBC) to the priority sector, with internal sub-targets — broadly 18% to agriculture and 7.5% to micro enterprises — and shortfalls are parked in funds such as the Rural Infrastructure Development Fund (RIDF). The exact categories, weights and sub-targets are set in the consolidated Master Directions linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is a Priority Sector Lending Certificate (PSLC)?",
     "answer": "A Priority Sector Lending Certificate (PSLC) is a tradable instrument the Reserve Bank introduced in 2016 that lets banks buy and sell their priority sector lending achievement without any transfer of the underlying loan or credit risk. A bank that lends more to the priority sector than its target can sell the surplus as PSLCs to a bank that has fallen short, helping the buyer meet its obligation and rewarding the seller for over-achieving. There are four PSLC categories — Agriculture, Small and Marginal Farmers, Micro Enterprises and a General certificate — traded through the RBI's e-Kuber platform, typically in multiples of Rs 25 lakh, and they expire at the end of each financial year on 31 March. Because only the lending achievement is transferred and not the asset, the loan and its risk stay on the originating bank's books. The detailed rules are set out in the consolidated Master Directions linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/financial-inclusion-priority-sector/",
   "documents_tracked": 893,
   "master_anchors": 10,
   "new_in_90_days": 3,
   "linked_dashboards": [
    {
     "title": "Credit & Deposit Growth",
     "url": "https://bankpulse.ai/dashboards/credit-deposit/"
    },
    {
     "title": "NPA / Asset-Quality Tracker",
     "url": "https://bankpulse.ai/dashboards/npa/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Priority Sector Lending (PSL)",
     "url": "https://bankpulse.ai/glossary/#psl"
    },
    {
     "term": "CGTMSE (Credit Guarantee Fund for Micro & Small Enterprises)",
     "url": "https://bankpulse.ai/glossary/#cgtmse"
    },
    {
     "term": "TReDS (Trade Receivables Discounting System)",
     "url": "https://bankpulse.ai/glossary/#treds"
    },
    {
     "term": "Credit-deposit ratio (CD ratio)",
     "url": "https://bankpulse.ai/glossary/#cd-ratio"
    },
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2026-27",
   "fy_count": 2,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2026-27/96",
     "title": "FIDD.CO.LBS.BC.No.02/02.08.001/2026-27 June 03, 2026 The Chairman / Managing Director & Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13463&Mode=0"
    },
    {
     "ref": "RBI/2026-27/09",
     "title": "FIDD.CO.LBS.BC.No.01/02.08.001/2026-27 April 10, 2026 The Chairman / Managing Director & Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13368&Mode=0"
    },
    {
     "ref": "RBI/2025-26/264",
     "title": "FIDD.CO.LBS.BC.No.14/02.08.001/2025-26 March 30, 2026 The Chairman / Managing Director & Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13356&Mode=0"
    },
    {
     "ref": "RBI/2025-26/220",
     "title": "FIDD.CO.LBS.BC.No.13/02.08.001/2025-26 February 16, 2026 The Chairman / Managing Director & Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13304&Mode=0"
    },
    {
     "ref": "RBI/2025-26/206",
     "title": "FIDD.MSME & NFS.BC.No.12/06.02.31/2025-26 February 09, 2026 Lending to Micro, Small & Medium Enterprises (MSM",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13290&Mode=0"
    },
    {
     "ref": "RBI/FIDD/2025-26/196",
     "title": "FIDD.CO.PSD.BC.No.11/04.09.001/2025-26 January 19, 2026 Reserve Bank of India (Priority Sector Lending – Targ",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13280&Mode=0"
    },
    {
     "ref": "RBI/2025-26/193",
     "title": "FIDD.CO.FSD.BC.No.10/05.02.001/2025-26 January 13, 2026 The Chairman/Managing Director/Chief Executive Office",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0"
    },
    {
     "ref": "RBI/2025-26/155",
     "title": "FIDD.CO.LBS.BC.No.09/02.08.001/2025-26 December 18, 2025 The Chairman / Managing Director & Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13231&Mode=0"
    },
    {
     "ref": "RBI/2025-26/68",
     "title": "FIDD.CO.LBS.BC.No.14/02.08.001/2025-26 July 18, 2025 The Chairman / Managing Director & Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12883&Mode=0"
    },
    {
     "ref": "RBI/2025-2026/66",
     "title": "FIDD.CO.FSD.BC.No.08/05.05.010/2025-26 July 11, 2025 The Chairman / Managing Director / Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12881&Mode=0"
    },
    {
     "ref": "RBI/2025-26/56",
     "title": "FIDD.CO.GSSD.BC.No.07/09.09.001/2025-26 June 16, 2025 The Chairman/ Managing Director / Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12869&Mode=0"
    },
    {
     "ref": "RBI/2025-26/39",
     "title": "FIDD.CO.GSSD.BC.No 06/09.16.003/2025-26 May 21, 2025 The Chairman/ Managing Director/Chief Executive Officer",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12851&Mode=0"
    },
    {
     "ref": "RBI/2025-26/25",
     "title": "FIDD.CO.LBS.BC.No.05/02.08.001/2025-26 April 11, 2025 The Chairman / Managing Director & Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12834&Mode=0"
    },
    {
     "ref": "RBI/2025-26/04",
     "title": "FIDD.CO.LBS.BC.No.03/02.01.001/2025-26 April 01, 2025 The Chairman/Managing Director/Chief Executive Officer",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12808&Mode=0"
    },
    {
     "ref": "RBI/2025-26/03",
     "title": "FIDD.CO.GSSD.BC.No.02/09.09.001/2025-26 April 01, 2025 The Chairman/ Managing Director / Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12807&Mode=0"
    },
    {
     "ref": "RBI/2025-26/02",
     "title": "FIDD.GSSD.CO.BC.No.01/09.01.003/2025-26 April 1, 2025 The Chairman/Managing Director & CEO Public Sector Bank",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12806&Mode=0"
    },
    {
     "ref": "RBI/2025-26/01",
     "title": "FIDD.CO.FID.BC.No.4/12.01.033/2025-26 April 01, 2025 The Chairman/ Managing Director/ Chief Executive Officer",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12805&Mode=0"
    },
    {
     "ref": "RBI/2024-25/131",
     "title": "FIDD.CO.PSD.BC.No.12/04.09.001/2024-25 March 24, 2025 The Chairman / Managing Director/ Chief Executive Offic",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12798&Mode=0"
    },
    {
     "ref": "RBI/2024-25/102",
     "title": "FIDD.CO.LBS.BC.No.11/02.08.001/2024-25 January 02, 2025 The Chairman / Managing Director & Chief Executive Of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12762&Mode=0"
    },
    {
     "ref": "RBI/2024-2025/96",
     "title": "FIDD.CO.FSD.BC.No.10/05.05.010/2024-25 December 6, 2024 The Chairman / Managing Director / Chief Executive Of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12755&Mode=0"
    }
   ]
  },
  {
   "code": "FED",
   "name": "Foreign Exchange (FEMA)",
   "description": "FEMA rules for cross-border trade, investment & remittances.",
   "faqs": [
    {
     "question": "What does the RBI Foreign Exchange (FEMA) family cover?",
     "answer": "FEMA rules for cross-border trade, investment & remittances. On BankPulse this family groups 939 RBI documents we track, anchored by 88 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code FED."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Foreign Exchange (FEMA)?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 939 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between FDI and FPI under FEMA?",
     "answer": "Both are routes for foreign money into India under the Foreign Exchange Management Act (FEMA), but they differ in intent and degree of control. Foreign Direct Investment (FDI) is a lasting interest in an Indian business — typically an unlisted company or a significant, longer-term stake — carrying a say in management. Foreign Portfolio Investment (FPI) is investment in listed securities such as shares and bonds for returns, without controlling the company, and is capped below the FDI threshold (10% of a listed company’s paid-up capital per investor). FDI and FPI follow different entry routes, pricing and reporting rules through Authorised Dealer banks. This is general information, not advice; the governing rules are the FEMA notifications and Master Directions linked on this page. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the Liberalised Remittance Scheme (LRS) limit?",
     "answer": "The Liberalised Remittance Scheme (LRS) is the Reserve Bank’s facility, operated under the Foreign Exchange Management Act (FEMA) through the Foreign Exchange Department, that lets a resident individual send money abroad for permitted purposes without seeking prior RBI approval. The headline limit is USD 250,000 per person per financial year (April–March), and it can be used for a broad set of current- and capital-account purposes — overseas travel, education and medical treatment, gifts and maintenance of relatives, and investment in foreign shares, debt or property — with the remittance routed through an Authorised Dealer (AD) bank that verifies eligibility. The scheme is available only to resident individuals, including minors, and not to corporates, partnership firms or trusts; some end-uses remain prohibited or need separate approval, and tax-collected-at-source (TCS) may apply under separate income-tax rules. The RBI revises the limit and conditions from time to time, and the exact, current terms are set out in the FEMA Master Direction on LRS linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/foreign-exchange-fema/",
   "documents_tracked": 939,
   "master_anchors": 88,
   "new_in_90_days": 16,
   "linked_dashboards": [
    {
     "title": "Credit & Deposit Growth",
     "url": "https://bankpulse.ai/dashboards/credit-deposit/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    },
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    },
    {
     "term": "KYC / AML",
     "url": "https://bankpulse.ai/glossary/#kyc-aml"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2026-27",
   "fy_count": 14,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2026-27/114",
     "title": "A.P. (DIR Series) Circular No. 14 June 15, 2026 To All Category – I Authorised Dealer Banks Madam / Sir Liber",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13483&Mode=0"
    },
    {
     "ref": "RBI/2026-27/101",
     "title": "A.P. (DIR Series) Circular No. 13 June 8, 2026 To, All Authorised Dealer Category-I Banks Madam/Sir, NOP-INR",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13470&Mode=0"
    },
    {
     "ref": "RBI/2026-27/98",
     "title": "A.P. (DIR Series) Circular No. 12 June 05, 2026 All Category - I Authorised Dealer Banks Madam/Sir, Submissio",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13465&Mode=0"
    },
    {
     "ref": "RBI/2026-27/97",
     "title": "A.P. (DIR Series) Circular No. 11 June 05, 2026 To, All Authorised Persons Madam/Sir, Dear Sir, Investments b",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13464&Mode=0"
    },
    {
     "ref": "RBI/2026-27/82",
     "title": "A.P. (DIR Series) Circular No.10 May 13, 2026 To All Authorised Dealers Madam / Sir, Operating framework for",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13449&Mode=0"
    },
    {
     "ref": "RBI/2026-27/78",
     "title": "A.P. (DIR Series) Circular No. 09 May 06, 2026 All Authorised Persons, Madam / Sir, Issuance of Foreign Excha",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13445&Mode=0"
    },
    {
     "ref": "RBI/2026-27/38",
     "title": "A.P. (DIR Series) Circular No. 08 April 27, 2026 To All Authorised Dealer Category-I Banks Madam / Sir, Repor",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13402&Mode=0"
    },
    {
     "ref": "RBI/2026-27/14",
     "title": "A.P. (DIR Series) Circular No. 07 April 20, 2026 To, All Authorised Dealers Madam/Sir, Risk Management and In",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13373&Mode=0"
    },
    {
     "ref": "RBI/2026-27/10",
     "title": "A.P. (DIR Series) Circular No. 06 April 10, 2026 To All Authorised Dealer Category-I banks Madam / Sir, Maste",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13369&Mode=0"
    },
    {
     "ref": "RBI/2026-27/07",
     "title": "A.P. (DIR Series) Circular No. 05 April 06, 2026 To, All Authorised Persons Madam / Sir Limits for investment",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13366&Mode=0"
    },
    {
     "ref": "RBI/2026-27/05",
     "title": "A.P. (DIR Series) Circular No. 04 April 2, 2026 To All Authorised Persons Madam/Sir, Memorandum of Instructio",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13364&Mode=0"
    },
    {
     "ref": "RBI/2026-27/04",
     "title": "A.P. (DIR Series) Circular No. 03 April 01, 2026 To, All Authorised Dealers Madam/Sir, Risk Management and In",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13363&Mode=0"
    },
    {
     "ref": "RBI/2026-27/03",
     "title": "A.P. (DIR Series) Circular No. 02 April 01, 2026 All Authorised Dealer Category I Banks Madam / Sir, Overseas",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13359&Mode=0"
    },
    {
     "ref": "RBI/2026-27/02",
     "title": "A.P. (DIR Series) Circular No. 01 April 01, 2026 All Authorised Persons Madam / Sir, Reporting under Foreign",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13358&Mode=0"
    },
    {
     "ref": "RBI/2025-26/253",
     "title": "A.P. (DIR Series) Circular No. 25 March 30, 2026 All Authorised Dealer Category I Banks, Madam / Sir, Reporti",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13345&Mode=0"
    },
    {
     "ref": "RBI/2025-26/252",
     "title": "A.P. (DIR Series) Circular No. 24 March 27, 2026 To, All Authorised Persons Madam/Sir, NOP-INR position of Au",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13344&Mode=0"
    },
    {
     "ref": "RBI/2025-26/223",
     "title": "A.P. (DIR Series) Circular No. 23 February 18, 2026 All Authorised Persons Madam / Sir, Reporting under Forei",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13308&Mode=0"
    },
    {
     "ref": "RBI/2025-26/221",
     "title": "A.P. (DIR Series) Circular No. 22 February 16, 2026 All Authorised Dealer Category I Banks, Madam / Sir, Fore",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13305&Mode=0"
    },
    {
     "ref": "RBI/2025-26/205",
     "title": "A.P. (DIR Series) Circular No. 21 February 06, 2026 To All Authorised Dealer Category-I banks Madam / Sir, Vo",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13289&Mode=0"
    },
    {
     "ref": "RBI/2025-26/194",
     "title": "A.P. (DIR Series) Circular No. 20 January 16, 2026 All Authorised Dealers, Madam / Sir, Export and Import of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13278&Mode=0"
    }
   ]
  },
  {
   "code": "FMRD",
   "name": "Financial Markets Regulation",
   "description": "Money, G-Sec, forex & derivative market regulation.",
   "faqs": [
    {
     "question": "What does the RBI Financial Markets Regulation family cover?",
     "answer": "Money, G-Sec, forex & derivative market regulation. On BankPulse this family groups 232 RBI documents we track, anchored by 2 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code FMRD."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Financial Markets Regulation?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 232 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between the repo rate and the reverse repo rate?",
     "answer": "Both are policy interest rates the Reserve Bank uses to manage day-to-day liquidity in the banking system through its Liquidity Adjustment Facility (LAF). The repo rate is the rate at which the RBI lends short-term funds to commercial banks against government securities — it is the RBI’s benchmark policy rate, so a rise generally makes borrowing costlier across the economy. The reverse repo rate is the mirror image: the rate at which the RBI absorbs surplus funds by borrowing from banks. In the current operating framework the corridor is anchored by the Standing Deposit Facility (SDF) at the floor and the Marginal Standing Facility (MSF) at the ceiling, with the repo rate in the middle. The rate itself is decided by the Monetary Policy Committee, while market operations and instruments are governed under Financial Markets Regulation. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the Liquidity Adjustment Facility (LAF) and the policy rate corridor?",
     "answer": "The Liquidity Adjustment Facility (LAF) is the Reserve Bank's main day-to-day tool for managing surplus or shortage of cash in the banking system, operated through repo and reverse-repo style operations against government securities. Around the benchmark repo rate the RBI runs a 'corridor': the Marginal Standing Facility (MSF) sits a set margin above the repo rate as the ceiling at which banks can borrow extra overnight funds, while the Standing Deposit Facility (SDF) sits a set margin below the repo rate as the floor at which banks can park surplus funds with the RBI without needing collateral. The SDF replaced the fixed reverse-repo rate as the effective floor of the corridor in April 2022. By moving the repo rate and the width of this corridor, the Monetary Policy Committee steers overnight money-market rates towards the policy rate. The instruments and market operations themselves are governed under Financial Markets Regulation, and the governing circulars are linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/financial-markets-regulation/",
   "documents_tracked": 232,
   "master_anchors": 2,
   "new_in_90_days": 5,
   "linked_dashboards": [
    {
     "title": "Repo Rate Timeline",
     "url": "https://bankpulse.ai/dashboards/repo-rate/"
    },
    {
     "title": "Credit & Deposit Growth",
     "url": "https://bankpulse.ai/dashboards/credit-deposit/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Repo rate",
     "url": "https://bankpulse.ai/glossary/#repo-rate"
    },
    {
     "term": "Statutory Liquidity Ratio (SLR)",
     "url": "https://bankpulse.ai/glossary/#slr"
    },
    {
     "term": "Cash Reserve Ratio (CRR)",
     "url": "https://bankpulse.ai/glossary/#crr"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": "2026-06-17",
   "latest_fy": "2026-27",
   "fy_count": 3,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "RBI/2026-27/100",
     "title": "FMOD.MAOG.No.S-57/01.06.016/2026-27 June 8, 2026 All Authorised Dealer Category-I Banks Madam / Sir, Swap Fac",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13469&Mode=0"
    },
    {
     "ref": "RBI/2026-27/99",
     "title": "FMOD.MAOG.No.S-56/01.06.016/2026-27 June 8, 2026 All Authorised Dealer Category-I Banks Madam / Sir, Swap Fac",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13468&Mode=0"
    },
    {
     "ref": "RBI/2026-27/37",
     "title": "FMRD.MIOD.No.1/11.01.051/2026-27 April 27, 2026 To All participants in Government Securities market Madam/Sir",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13401&Mode=0"
    },
    {
     "ref": "RBI/FMRD/2025-26/392",
     "title": "FMRD.MIOD.No.9/11.01.057/2025-26 March 27, 2026 To All eligible market participants Madam/Sir, Master Directi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13343&Mode=0"
    },
    {
     "ref": "RBI/2025-26/222",
     "title": "CO.FMRD.MIOD.No.8/11.01.057/2025-26 February 18, 2026 To All eligible market participants Madam / Sir, Unique",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13307&Mode=0"
    },
    {
     "ref": "RBI/FMRD/2025-26/380",
     "title": "FMRD.DIRD.No.06/14.03.046/2025-26 December 08, 2025 To All participants in Rupee interest rate derivatives ma",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13214&Mode=0"
    },
    {
     "ref": "RBI/2025-26/133",
     "title": "REF.No.MPD.BC.401/07.01.279/2025-26 December 5, 2025 All Primary Dealers, Standing Liquidity Facility for Pri",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13207&Mode=0"
    },
    {
     "ref": "RBI/2025-26/132",
     "title": "FMOD.MAOG.No.153/01.01.001/2025-26 December 05, 2025 All Liquidity Adjustment Facility (LAF) participants Mad",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13206&Mode=0"
    },
    {
     "ref": "RBI/FMRD/2025-26/142",
     "title": "FMRD.DIRD.04/14.03.038/2025-26 November 11, 2025 To All participants in repo market Dear Sir/Madam Master Dir",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12920&Mode=0"
    },
    {
     "ref": "RBI/FMRD/2025-26/137",
     "title": "FMRD.MIOD.No.02/14.03.027/2025-26 June 16, 2025 To All operators of Electronic Trading Platforms Madam/Sir, M",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12870&Mode=0"
    },
    {
     "ref": "RBI/2025-26/43",
     "title": "REF.No.MPD.BC.400/07.01.279/2025-26 June 6, 2025 All Primary Dealers, Standing Liquidity Facility for Primary",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12855&Mode=0"
    },
    {
     "ref": "RBI/2025-26/42",
     "title": "FMOD.MAOG.No.152/01.01.001/2025-26 June 06, 2025 All Liquidity Adjustment Facility (LAF) participants Madam/S",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12854&Mode=0"
    },
    {
     "ref": "RBI/2025-26/35",
     "title": "FMRD.FMD.No.01/14.01.006/2025-26 May 08, 2025 To, All Authorised Persons Madam/Sir, Investments by Foreign Po",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12847&Mode=0"
    },
    {
     "ref": "RBI/2025-26/24",
     "title": "REF.No.MPD.BC.399/07.01.279/2025-26 April 09, 2025 All Primary Dealers, Standing Liquidity Facility for Prima",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12833&Mode=0"
    },
    {
     "ref": "RBI/2025-26/22",
     "title": "FMOD.MAOG.No.151/01.01.001/2025-26 April 09, 2025 All Liquidity Adjustment Facility (LAF) participants Madam/",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12831&Mode=0"
    },
    {
     "ref": "RBI/2024-25/117",
     "title": "FMRD.DIRD.16/14.03.042/2024-25 February 21, 2025 To All Eligible Market Participants Madam/Sir, Reserve Bank",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12784&Mode=0"
    },
    {
     "ref": "RBI/2024-25/115",
     "title": "FMRD.MIOD.No.15/11.01.051/2024-25 February 17, 2025 To All participants in Government Securities market Madam",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12782&Mode=0"
    },
    {
     "ref": "RBI/2024-25/110",
     "title": "REF.No.MPD.BC.398/07.01.279/2024-25 February 07, 2025 All Primary Dealers, Standing Liquidity Facility for Pr",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12775&Mode=0"
    },
    {
     "ref": "RBI/2024-25/109",
     "title": "FMOD.MAOG.No.150/01.01.001/2024-25 February 07, 2025 All Liquidity Adjustment Facility (LAF) participants Mad",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12774&Mode=0"
    },
    {
     "ref": "RBI/2024-25/101",
     "title": "FMRD.DIRD.No.09/14.03.004/2024-25 January 01, 2025 To All eligible market participants Madam/Sir, Participati",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12761&Mode=0"
    }
   ]
  },
  {
   "code": "DOS",
   "name": "Supervision",
   "description": "Supervisory framework, inspections & risk assessment.",
   "faqs": [
    {
     "question": "What does the RBI Supervision family cover?",
     "answer": "Supervisory framework, inspections & risk assessment. On BankPulse this family groups 73 RBI documents we track, grouped by the RBI issuing-department code DOS."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Supervision?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 73 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between RBI regulation and supervision?",
     "answer": "Regulation writes the rules — capital, provisioning and conduct norms set by the Department of Regulation. Supervision, run by the Department of Supervision (DOS), checks that banks and NBFCs actually follow them, through on-site inspection, off-site returns, risk-based assessment and enforcement triggers such as Prompt Corrective Action."
    },
    {
     "question": "What is risk-based supervision?",
     "answer": "Risk-based supervision is the RBI's approach of focusing inspection intensity on the entities and activities that pose the most risk, rather than checking every entity identically. It combines periodic on-site inspection with continuous off-site monitoring of returns and early-warning indicators. The consolidated framework sits in the Master Directions and circulars linked on this page."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/supervision/",
   "documents_tracked": 73,
   "master_anchors": 0,
   "new_in_90_days": 0,
   "linked_dashboards": [
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    },
    {
     "title": "NPA / Asset-Quality Tracker",
     "url": "https://bankpulse.ai/dashboards/npa/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Gross NPA (GNPA)",
     "url": "https://bankpulse.ai/glossary/#gnpa"
    },
    {
     "term": "CRAR (Capital adequacy)",
     "url": "https://bankpulse.ai/glossary/#crar"
    },
    {
     "term": "Special Mention Account (SMA)",
     "url": "https://bankpulse.ai/glossary/#sma"
    },
    {
     "term": "Prompt Corrective Action (PCA)",
     "url": "https://bankpulse.ai/glossary/#pca"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2024-25",
   "fy_count": 0,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2024-25/104",
     "title": "Ref.No.DoS.CO.PPG/SEC.13/11.01.005/2024-25 January 17, 2025 The Chairman / Managing Director / Chief Executiv",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12769&Mode=0"
    },
    {
     "ref": "RBI/2024-25/91",
     "title": "DoS.CO.PPG.SEC.12/11.01.005/2024-25 December 02, 2024 The Chairman / Managing Director / Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12750&Mode=0"
    },
    {
     "ref": "RBI/2024-25/77",
     "title": "DoS.CO.PPG.SEC.10/11.01.005/2024-25 September 30, 2024 All Commercial Banks (including Small Finance Banks bu",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12735&Mode=0"
    },
    {
     "ref": "RBI/2024-25/55",
     "title": "DOS.CO.PPG.SEC.No.8/11.01.005/2024-25 July 26, 2024 All Primary (Urban) Co-operative Banks Madam / Dear Sir,",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12711&Mode=0"
    },
    {
     "ref": "RBI/DOS/2024-25/120",
     "title": "DOS.CO.FMG.SEC.No.7/23.04.001/2024-25 July 15, 2024 The Chairman / Managing Director / Chief Executive Office",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12704&Mode=0"
    },
    {
     "ref": "RBI/DOS/2024-25/119",
     "title": "DOS.CO.FMG.SEC.No.6/23.04.001/2024-25 July 15, 2024 The Chairman / Managing Director / Chief Executive Office",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12703&Mode=0"
    },
    {
     "ref": "RBI/DOS/2024-25/118",
     "title": "DOS.CO.FMG.SEC.No.5/23.04.001/2024-25 July 15, 2024 The Chairman / Managing Director / Chief Executive Office",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12702&Mode=0"
    },
    {
     "ref": "RBI/2024-25/51",
     "title": "DoS.CO.PPG/SEC.4/11.01.005/2024-25 July 12, 2024 All Scheduled Commercial Banks All Foreign Banks Madam / Dea",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12701&Mode=0"
    },
    {
     "ref": "RBI/2024-25/37",
     "title": "DoS.CO.PPG.SEC.2/11.01.005/2024-25 May 21, 2024 All Scheduled Commercial Banks All Primary (Urban) Cooperativ",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12687&Mode=0"
    },
    {
     "ref": "RBI/2024-25/30",
     "title": "DoS.CO.PPG.SEC.1/11.01.005/2024-25 April 29, 2024 All Commercial Banks (including Small Finance Banks, Local",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12678&Mode=0"
    },
    {
     "ref": "RBI/2023-24/129",
     "title": "DoS.CO.ARG/SEC.11/08.91.001/2023-24 March 01, 2024 The Chairman / Managing Director / Chief Executive Officer",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12617&Mode=0"
    },
    {
     "ref": "RBI/2023-24/117",
     "title": "DoS.CO.CSITEG.SEC.No.9/31-01-015/2023-24 January 31, 2024 The Chairman/Managing Director/Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12603&Mode=0"
    },
    {
     "ref": "RBI/2023-24/113",
     "title": "Ref.No.DOS.ARG/SEC.8/08.91.001/2023-24 January 15, 2024 The Chairman / Managing Director / Chief Executive Of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12599&Mode=0"
    },
    {
     "ref": "RBI/2023-24/67",
     "title": "Ref. No.DoS.CO.PPG/SEC.05/11.01.005/2023-24 October 10, 2023 All Deposit Taking Government NBFCs All Non-Depo",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12543&Mode=0"
    },
    {
     "ref": "RBI/2022-2023/118",
     "title": "Ref.No.DoS.CO.PPG/SEC.04/11.01.005/2022-23 September 19, 2022 The Chairman / Managing Director / Chief Execut",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12389&Mode=0"
    },
    {
     "ref": "RBI/2022-23/38",
     "title": "DoS.CO.PPG./SEC.02/11.01.005/2022-23 May 2, 2022 The Registrar of Cooperative Societies (All States/ Union Te",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12305&Mode=0"
    },
    {
     "ref": "RBI/2022-23/24",
     "title": "Ref.No.DoS.CO.PPG./SEC.01/11.01.005/2022-23 April 11, 2022 The Chairman / Managing Director / Chief Executive",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12290&Mode=0"
    },
    {
     "ref": "RBI/2021-22/175",
     "title": "DoS.CO.PPG.SEC/10/11.01.005/2021-22 February 23, 2022 All Non-Banking Financial Companies Madam / Dear Sir, I",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12247&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/163",
     "title": "DoS.CO.PPG./SEC.08/11.01.005/2021-22 February 18, 2022 All Scheduled Commercial Banks / All Payments Banks Al",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12235&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/162",
     "title": "DoS.CO.PPG./SEC.09/11.01.005/2021-22 February 18, 2022 All NBFCs/ RNBCs Madam/Dear Sir, Regulations Review Au",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12234&Mode=0"
    }
   ]
  },
  {
   "code": "DGBA",
   "name": "Government & Bank Accounts",
   "description": "Government banking, agency banks & related accounts.",
   "faqs": [
    {
     "question": "What does the RBI Government & Bank Accounts family cover?",
     "answer": "Government banking, agency banks & related accounts. On BankPulse this family groups 176 RBI documents we track, anchored by 32 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code DGBA."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Government & Bank Accounts?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 176 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "Which RBI department handles government banking?",
     "answer": "Government banking in India is handled by the Reserve Bank's Department of Government and Bank Accounts (DGBA). It runs the RBI's role as banker to the central and state governments and to banks — government receipts and payments, the agency-bank arrangement under which commercial banks conduct government business, the agency commission paid for it, and related currency-chest and settlement accounting. The government's market borrowing programme is managed separately under Internal Debt Management. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the Ways and Means Advances (WMA) facility?",
     "answer": "Ways and Means Advances (WMA) are temporary, short-term loans the Reserve Bank gives the central and state governments to bridge mismatches between their receipts and payments, under the RBI's role as banker to government operated through the Department of Government and Bank Accounts. WMA is meant only to smooth day-to-day cash flow, not to finance the budget deficit: each advance must be repaid within a few months, the RBI fixes WMA limits for the Centre and for each state from time to time, and interest is charged broadly at the repo rate. When a government overshoots its WMA limit it moves to a higher-cost overdraft, which signals fiscal stress and is capped in both size and number of days. WMA therefore differs from the government's market borrowing programme — the issue of dated securities and Treasury Bills — which is managed separately under Internal Debt Management. The exact limits and terms are revised periodically and are set out in the circulars linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/government-bank-accounts/",
   "documents_tracked": 176,
   "master_anchors": 32,
   "new_in_90_days": 2,
   "linked_dashboards": [
    {
     "title": "Credit & Deposit Growth",
     "url": "https://bankpulse.ai/dashboards/credit-deposit/"
    },
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    },
    {
     "term": "Statutory Liquidity Ratio (SLR)",
     "url": "https://bankpulse.ai/glossary/#slr"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2025-26",
   "fy_count": 0,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/DGBA/2026-27/400",
     "title": "CO.DGBA.GBD.No.S44/31.02.007/2026-27 April 30, 2026 Reserve Bank of India [Conduct of Government Business by",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13443&Mode=0"
    },
    {
     "ref": "RBI/DGBA/2026-27/399",
     "title": "CO.DGBA.GBD.No.S43/31.02.007/2026-27 April 30, 2026 Reserve Bank of India [Disbursement of Government Pension",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13442&Mode=0"
    },
    {
     "ref": "RBI/2025-26/57",
     "title": "CO.DGBA.GBD.No.S168/31-12-011/2025-2026 June 16, 2025 All Agency Banks Madam /Dear Sir, Review of instruction",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12871&Mode=0"
    },
    {
     "ref": "RBI/2024-25/124",
     "title": "CO.DGBA.GBD.No.S1003/42-01-029/2024-2025 March 17, 2025 All Agency Banks Madam/ Dear Sir, Annual Closing of G",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12791&Mode=0"
    },
    {
     "ref": "RBI/2024-25/122",
     "title": "CO.DGBA.GBD.No.S954/42-01-029/2024-2025 February 28, 2025 All Agency Banks Madam/Dear Sir, Reporting and Acco",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12789&Mode=0"
    },
    {
     "ref": "RBI/2024-25/103",
     "title": "CO.DGBA.GBD.No.S770/42-01-029/2024-2025 January 03, 2025 All Agency Banks Madam/Dear Sir, Status of March 30,",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12763&Mode=0"
    },
    {
     "ref": "RBI/2023-24/138",
     "title": "CO.DGBA.GBD.No.S1252/42-01-029/2023-2024 March 22, 2024 All Agency Banks Madam/Dear Sir, Annual Closing of Go",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12637&Mode=0"
    },
    {
     "ref": "RBI/2023-24/136",
     "title": "CO.DGBA.GBD.No.S1234/31-12-010/2023-2024 March 13, 2024 All Agency banks Madam / Dear Sir, Cut-off time for u",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12624&Mode=0"
    },
    {
     "ref": "RBI/2023-24/135",
     "title": "DGBA.GBD.No.S1217/42-01-029/2023-2024 March 13, 2024 All Agency Banks Madam/Dear Sir, Reporting and Accountin",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12623&Mode=0"
    },
    {
     "ref": "RBI/2023-24/65",
     "title": "CO.DGBA.GBD.No.S646/42-01-029/2023-2024 October 03, 2023 All Agency Banks Madam/Dear Sir, Status of March 31,",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12541&Mode=0"
    },
    {
     "ref": "RBI/2023-24/43",
     "title": "CO.DGBA.GBD.No.S295/31-12-010/2023-2024 June 14, 2023 All Agency banks Madam / Dear Sir Agency Commission for",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12516&Mode=0"
    },
    {
     "ref": "RBI/2022-23/186",
     "title": "CO.DGBA.GBD.No.S1490/42-01-029/2022-2023 March 21, 2023 All Agency Banks Dear Sir / Madam Annual Closing of G",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12462&Mode=0"
    },
    {
     "ref": "RBI/2022-23/184",
     "title": "DGBA.GBD.No.S1469/42-01-029/2022-2023 March 16, 2023 All Agency Banks Madam/Dear Sir, Reporting and Accountin",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12460&Mode=0"
    },
    {
     "ref": "RBI/2022-23/136",
     "title": "CO.DGBA.GBD.No.S957/43-33-005/2022-2023 November 14, 2022 All Agency banks (authorised to collect direct taxe",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12408&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/186",
     "title": "CO.DGBA.GBD.No.S1595/42-01-029/2021-2022 March 24, 2022 All Agency Banks Dear Sir / Madam Annual Closing of G",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12259&Mode=0"
    },
    {
     "ref": "RBI/2021-22/176",
     "title": "CO.DGBA.GBD.No.S1422/42-01-029/2021-2022 February 24, 2022 All Agency Banks Madam/Dear Sir, Reporting and Acc",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12248&Mode=0"
    },
    {
     "ref": "RBI/2021-22/140",
     "title": "CO.DGBA.GBD.No.S1112/42-01-033/2021-2022 December 15, 2021 All Scheduled Payments Banks and Scheduled Small F",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12209&Mode=0"
    },
    {
     "ref": "RBI/2021-22/75",
     "title": "DGBA.GBD.No.S391/42.01.011/2021-22 August 02, 2021 The Chairman and Managing Directors/ Managing Director/ CE",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12135&Mode=0"
    },
    {
     "ref": "RBI/2021-22/36",
     "title": "CO.DGBA.GBD.No.S77/42.01.033/2021-22 May 10, 2021 All Scheduled Commercial Banks in India Dear Sir / Madam Go",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12090&Mode=0"
    },
    {
     "ref": "RBI/2021-22/18",
     "title": "DGBA.GBD.No.S26/42.01.029/2021-22 April 07, 2021 All Agency Banks Madam/Dear Sir, Reporting and Accounting of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12072&Mode=0"
    }
   ]
  },
  {
   "code": "IDMD",
   "name": "Internal Debt Management",
   "description": "Government securities issuance, auctions & primary dealers.",
   "faqs": [
    {
     "question": "What does the RBI Internal Debt Management family cover?",
     "answer": "Government securities issuance, auctions & primary dealers. On BankPulse this family groups 148 RBI documents we track, anchored by 6 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code IDMD."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Internal Debt Management?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 148 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "Which RBI department issues government securities?",
     "answer": "Government securities in India are issued by the Reserve Bank’s Internal Debt Management Department (IDMD), which acts as the debt manager for the Government of India. IDMD runs the issuance and auctions of dated Government Securities (G-Secs), Treasury Bills and State Development Loans, and oversees the Primary Dealer system that underwrites and makes markets in them. How these securities then trade in the secondary market is regulated separately under Financial Markets Regulation, and the government’s banking transactions sit under Government & Bank Accounts. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between CRR and SLR?",
     "answer": "CRR and SLR are the two reserve requirements the Reserve Bank uses to set aside a portion of a bank’s deposits, but they work differently. CRR (Cash Reserve Ratio) is the share of a bank’s net demand and time liabilities (NDTL) that it must hold as cash balances with the RBI; it earns no interest and cannot be used by the bank for lending or investment, so it is a pure monetary-policy and liquidity tool. SLR (Statutory Liquidity Ratio) is the share of NDTL that a bank must keep in specified liquid assets — chiefly Government Securities, along with cash and gold — which the bank continues to own and which can earn a return; these are largely the dated G-Secs and Treasury Bills issued through the RBI’s Internal Debt Management Department. In short, CRR is cash parked with the RBI that earns nothing, while SLR is mostly government bonds the bank holds itself and earns interest on; the RBI sets both ratios under the Banking Regulation Act and the RBI Act and revises them from time to time through the circulars linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/internal-debt-management/",
   "documents_tracked": 148,
   "master_anchors": 6,
   "new_in_90_days": 1,
   "linked_dashboards": [
    {
     "title": "Repo Rate Timeline",
     "url": "https://bankpulse.ai/dashboards/repo-rate/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Statutory Liquidity Ratio (SLR)",
     "url": "https://bankpulse.ai/glossary/#slr"
    },
    {
     "term": "Repo rate",
     "url": "https://bankpulse.ai/glossary/#repo-rate"
    },
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": "2026-06-17",
   "latest_fy": "2026-27",
   "fy_count": 1,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "RBI/2026-27/06",
     "title": "IDMD.RETL.No.S23/13.01.300/2026-27 April 02, 2026 All the Receiving Offices ( as per the list attached ) Mada",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13365&Mode=0"
    },
    {
     "ref": "RBI/2025-26/54",
     "title": "IDMD.RD.S390/10.18.060/2025-26 June 12, 2025 All Market Participants Madam/Sir, Stripping/Reconstitution in S",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12867&Mode=0"
    },
    {
     "ref": "RBI/2024-25/133",
     "title": "Ref.No.IDMD.2320/08.01.01/2024-25 March 27, 2025 All participants in the Government Securities market. Madam/",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12802&Mode=0"
    },
    {
     "ref": "RBI/2023-2024/87",
     "title": "IDMD.CDD.No.2128/14.04.050/2023-24 December 11, 2023 Scheduled Commercial Banks (as per the list attached), D",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12569&Mode=0"
    },
    {
     "ref": "RBI/2023-24/44",
     "title": "IDMD.CDD.No.S650/14.04.050/2023-24 June 15, 2023 Scheduled Commercial Banks (as per the list attached), Desig",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12517&Mode=0"
    },
    {
     "ref": "RBI/2022-23/163",
     "title": "IDMD.No.S2800/08.02.032/2022-23 January 11, 2023 All participants in the Government Securities Market Dear Si",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12436&Mode=0"
    },
    {
     "ref": "RBI/2022-23/156",
     "title": "IDMD.CDD.No.S2581/14.04.050/2022-23 December 16, 2022 Scheduled Commercial Banks (as per the list attached),",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12429&Mode=0"
    },
    {
     "ref": "RBI/2022-23/72",
     "title": "IDMD.CDD.No.S789/14.04.050/2022-23 June 16, 2022 Scheduled Commercial Banks (as per the list attached), Desig",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12340&Mode=0"
    },
    {
     "ref": "RBI/2021-22/147",
     "title": "IDMD.PDRD.No.S1617/03.64.023/2021-22 January 04, 2022 All Primary Dealers Dear Sir/Madam Retail Direct Scheme",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12216&Mode=0"
    },
    {
     "ref": "RBI/2021-22/143",
     "title": "CO.IDMD.GBDP.No.S1565/08-01-001/2021-2022 December 24, 2021 All participants in the Government Securities mar",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12212&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/124",
     "title": "CO.IDMD.GBD(P).No.S1242/08.01.001/2021-22 November 12, 2021 All Scheduled Commercial Banks All State Co-opera",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12193&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/114",
     "title": "IDMD.CDD.1100/14.04.050/2021-22 October 22, 2021 (Updated as on October 04, 2022) All Scheduled Commercial Ba",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12181&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/113",
     "title": "IDMD.CDD.No.1087/14.04.050/2021-22 October 22, 2021 The Chairman & Managing Director All Scheduled Commercial",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12180&Mode=0"
    },
    {
     "ref": "RBI/2021-22/108",
     "title": "IDMD.CDD.No.S930/11.22.003/2021-22 October 5, 2021 All SGL/CSGL Account holders Madam/Sir, Value Free Transfe",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12175&Mode=0"
    },
    {
     "ref": "RBI/2021-22/107",
     "title": "IDMD.CDD.No.S931/11.22.001/2021-2022 October 5, 2021 All SGL/CSGL Holders Madam/Sir, Revised Subsidiary Gener",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12174&Mode=0"
    },
    {
     "ref": "RBI/2021-22/39",
     "title": "IDMD.CDD.No.45187/14.04.050/2021-22 May 14, 2021 The Chairman & Managing Director All Scheduled Commercial Ba",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12093&Mode=0"
    },
    {
     "ref": "RBI/2020-2021/52",
     "title": "IDMD.CDD.No.730/14.04.050/2020-21 October 9, 2020 The Chairman& Managing Director All Scheduled Commercial Ba",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11980&Mode=0"
    },
    {
     "ref": "RBI/2013-14/630",
     "title": "IDMD.PDRD.No. 3404/03.64.000/2013-14 June 5, 2014 All Market participants Dear Sir/Madam, Annual Turnover Tar",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8925&Mode=0"
    },
    {
     "ref": "RBI/2013-2014/596",
     "title": "Ref.No. IDMD/3224/08.02.032/2013-14 May 19, 2014 All Scheduled Commercial Banks All State Co-operative Banks/",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8887&Mode=0"
    },
    {
     "ref": "RBI/2013-14/578",
     "title": "Ref.No. IDMD/3128/08.02.032/2013-14 May 5, 2014 All Scheduled Commercial Banks All State Co-operative Banks/A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8865&Mode=0"
    }
   ]
  },
  {
   "code": "DCM",
   "name": "Currency Management",
   "description": "Note circulation, clean-note policy & coin distribution.",
   "faqs": [
    {
     "question": "What does the RBI Currency Management family cover?",
     "answer": "Note circulation, clean-note policy & coin distribution. On BankPulse this family groups 91 RBI documents we track, anchored by 5 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code DCM."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Currency Management?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 91 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "How do I exchange soiled or mutilated currency notes?",
     "answer": "Under the RBI's Clean Note Policy, all bank branches must exchange soiled, mutilated or defective notes for the public free of cost, subject to the note-refund rules on value payable. The detailed procedure is set out in the Department of Currency Management circulars linked on this page."
    },
    {
     "question": "What is a currency chest?",
     "answer": "A currency chest is a secure repository, usually at a bank branch, where banknotes and coins are stored on the RBI's behalf for distribution to the banking system. Currency chests keep cash circulating efficiently across the country; their operation and accounting are governed by Department of Currency Management instructions."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/currency-management/",
   "documents_tracked": 91,
   "master_anchors": 5,
   "new_in_90_days": 6,
   "linked_dashboards": [
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2026-27",
   "fy_count": 2,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2026-27/108",
     "title": "DCM(Plg) No.S737/10.02.060/2026-27 June 09, 2026 The Chairman / Managing Director / Chief Executive Officer A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13477&Mode=0"
    },
    {
     "ref": "RBI/2026-27/107",
     "title": "DCM(Plg) No.S736/10.02.060/2026-27 June 09, 2026 The Chairman / Managing Director / Chief Executive Officer A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13476&Mode=0"
    },
    {
     "ref": "RBI/DCM/2026-27/395",
     "title": "DCM (NE) No.G-2/08.07.18/2026-27 April 01, 2026 The Chairman/ Managing Director/ Chief Executive Officer All",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13362&Mode=0"
    },
    {
     "ref": "RBI/DCM/2026-27/394",
     "title": "DCM (FNVD)/G-1/16.01.05/2026-27 April 01, 2026 The Chairman/ Managing Director/ Chief Executive Officer All B",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13361&Mode=0"
    },
    {
     "ref": "RBI/DCM/2026-27/393",
     "title": "DCM (CC) No. G-3/03.06.001/2026-27 April 01, 2026 ( Updated as on May 27, 2026 ) The Chairman / Managing Dire",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13360&Mode=0"
    },
    {
     "ref": "RBI/2025-26/250",
     "title": "DCM(CC)No.S4781/03.51.01/2025-26 March 16, 2026 All Currency Chest (CC) holding banks Madam / Dear Sir Curren",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13341&Mode=0"
    },
    {
     "ref": "RBI/2025-26/33",
     "title": "DCM.RMMT.No.S312/20-02-001/2025-2026 April 28, 2025 The Chairman / Managing Director/ Chief Executive Officer",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12844&Mode=0"
    },
    {
     "ref": "RBI/DCM/2025-26/136",
     "title": "DCM (CC) No. G-3/03.41.01/2025-26 April 24, 2025 ( Updated as on September 29, 2025 ) The Chairman / Managing",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12843&Mode=0"
    },
    {
     "ref": "RBI/2025-26/31",
     "title": "DCM (NPD) No.S287/18.00.014/2025-26 April 24, 2025 The Chairman/ Managing Director/ Chief Executive Officer A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12841&Mode=0"
    },
    {
     "ref": "RBI/DCM/2025-26/131",
     "title": "DCM (CC) No.G-1/03.44.001/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12810&Mode=0"
    },
    {
     "ref": "RBI/DCM/2025-26/130",
     "title": "DCM (CC) No.G-2/03.35.01/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer (A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12809&Mode=0"
    },
    {
     "ref": "RBI/2024-25/129",
     "title": "DCM (CC) No.S3811/03.51.001/2024-25 March 24, 2025 All Currency Chest (CC) holding banks Madam / Dear Sir Cur",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12796&Mode=0"
    },
    {
     "ref": "RBI/2024-2025/86",
     "title": "DCM (NPD) No.S2193/09.45.000/2024-25 October 30, 2024 The Chairman / Managing Director / Chief Executive Offi",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12745&Mode=0"
    },
    {
     "ref": "RBI/DCM/2024-25/115",
     "title": "DCM (FNVD)/G4/16.01.05/2024-25 April 01, 2024 The Chairman / Managing Director / Chief Executive Officer All",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12653&Mode=0"
    },
    {
     "ref": "RBI/DCM/2024-25/114",
     "title": "DCM (CC) No.G-2/03.35.01/2024-25 April 01, 2024 The Chairman / Managing Director / Chief Executive Officer (A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12648&Mode=0"
    },
    {
     "ref": "RBI/DCM/2024-25/113",
     "title": "DCM (CC) No.G-3/03.41.01/2024-25 April 1, 2024 The Chairman / Managing Director / Chief Executive Officer All",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12646&Mode=0"
    },
    {
     "ref": "RBI/DCM/2024-25/112",
     "title": "DCM (CC) No.G-1/03.44.01/2024-25 April 01, 2024 The Chairman / Managing Director / Chief Executive Officer Al",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12645&Mode=0"
    },
    {
     "ref": "RBI/2023-24/142",
     "title": "DCM (CC) No.S3425/03.41.01/2023-24 March 27, 2024 All Currency Chest holding banks Madam / Dear Sir Currency",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12641&Mode=0"
    },
    {
     "ref": "RBI/2023-24/64",
     "title": "DCM(Plg) No. S-1288/10.27.00/2023-24 September 30, 2023 The Chairman / Managing Director / Chief Executive Of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12540&Mode=0"
    },
    {
     "ref": "RBI/2023-24/33",
     "title": "DCM(Plg) No.S-239/10.27.00/2023-24 May 22, 2023 The Chairman / Managing Director/ Chief Executive Officer All",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12506&Mode=0"
    }
   ]
  },
  {
   "code": "CEPD",
   "name": "Consumer Protection",
   "description": "Customer service, grievance redress & the ombudsman scheme.",
   "faqs": [
    {
     "question": "What does the RBI Consumer Protection family cover?",
     "answer": "Customer service, grievance redress & the ombudsman scheme. On BankPulse this family groups 13 RBI documents we track, grouped by the RBI issuing-department code CEPD."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Consumer Protection?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 13 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "How do I file a complaint against a bank with the RBI?",
     "answer": "First raise the complaint with the bank or NBFC and allow it 30 days to respond. If it is unresolved or unsatisfactory, you can escalate to the RBI under the Reserve Bank Integrated Ombudsman Scheme via the RBI's complaint portal. The scheme's scope and process are set by the Consumer Education and Protection Department; this page links the official documents."
    },
    {
     "question": "What is the RBI Integrated Ombudsman Scheme?",
     "answer": "The RBI Integrated Ombudsman Scheme (RB-IOS, 2021) is a single, cost-free grievance-redress mechanism covering banks, NBFCs and payment-system operators — 'One Nation, One Ombudsman' — replacing the earlier separate ombudsman schemes. It is administered by the Consumer Education and Protection Department; the consolidating documents are linked above."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/consumer-protection/",
   "documents_tracked": 13,
   "master_anchors": 0,
   "new_in_90_days": 0,
   "linked_dashboards": [
    {
     "title": "RBI Penalty Tracker",
     "url": "https://bankpulse.ai/dashboards/penalties/"
    },
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "KYC / AML",
     "url": "https://bankpulse.ai/glossary/#kyc-aml"
    },
    {
     "term": "Deposit insurance (DICGC)",
     "url": "https://bankpulse.ai/glossary/#dicgc"
    },
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    }
   ],
   "recent_count": 13,
   "last_updated_iso": null,
   "latest_fy": "2025-26",
   "fy_count": 0,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2025-26/207",
     "title": "CO.CEPD.PRS.No.S1121/13-01-008/2025-2026 February 11, 2026 All Scheduled Commercial Banks (excluding Regional",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13291&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/386",
     "title": "CEPD.PRD.No.S1032/13.01.019/2025-26 January 14, 2026 Reserve Bank of India ( Credit Information Companies - I",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13276&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/385",
     "title": "CEPD.PRD.No.S1031/13.01.019/2025-26 January 14, 2026 Reserve Bank of India (Non-Bank Prepaid Payment Instrume",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13275&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/384",
     "title": "CEPD.PRD.No.S1030/13.01.019/2025-26 January 14, 2026 Reserve Bank of India (Non-Banking Financial Companies -",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13274&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/383",
     "title": "CEPD.PRD.No.S1028/13.01.019/2025-26 January 14, 2026 Reserve Bank of India (Payments Banks - Internal Ombudsm",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13273&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/382",
     "title": "CEPD.PRD.No.S1029/13.01.019/2025-26 January 14, 2026 Reserve Bank of India (Small Finance Banks - Internal Om",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13272&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2025-26/381",
     "title": "CEPD.PRD.No.S1027/13.01.019/2025-26 January 14, 2026 Reserve Bank of India (Commercial Banks - Internal Ombud",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13271&Mode=0"
    },
    {
     "ref": "RBI/2024-25/105",
     "title": "CEPD.CO.OBD.No.S1270/50-01-001/2024-25 January 17, 2025 Chairman/Managing Director/CEOs All Commercial Banks",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12770&Mode=0"
    },
    {
     "ref": "RBI/CEPD/2023-24/108",
     "title": "CEPD.PRD.No.S1228/13.01.019/2023-24 December 29, 2023 (1) Chairman/Managing Director/CEO of All Scheduled Com",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12586&Mode=0"
    },
    {
     "ref": "RBI/2022-23/168",
     "title": "CO.CEPD.PRS.No.S1233/13-01-018/2022-2023 January 23, 2023 All Commercial Banks (including RRBs, Small Finance",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12443&Mode=0"
    },
    {
     "ref": "RBI/2022-23/124",
     "title": "CEPD.PRD.No.S806/13-01-008/2022-23 October 6, 2022 All Credit Information Companies Madam/ Sir, Appointment o",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12395&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/126",
     "title": "CO.CEPD.PRS.No.S874/13-01-008/2021-2022 November 15, 2021 The Chairman/Managing Director & CEO a) NBFCs-D wit",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12195&Mode=0"
    },
    {
     "ref": "RBI/2020-21/87",
     "title": "CEPD.CO.PRD.Cir.No.01/13.01.013/2020-21 January 27, 2021 All Scheduled Commercial Banks (excluding Regional R",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12017&Mode=0"
    }
   ]
  },
  {
   "code": "DNBR",
   "name": "NBFC Regulation",
   "description": "Non-banking financial company regulation.",
   "faqs": [
    {
     "question": "What does the RBI NBFC Regulation family cover?",
     "answer": "Non-banking financial company regulation. On BankPulse this family groups 318 RBI documents we track, anchored by 14 consolidated Master Directions / Master Circulars, grouped by the RBI issuing-department code DNBR."
    },
    {
     "question": "Where can I find the official RBI Master Directions for NBFC Regulation?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 318 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is Scale-Based Regulation (SBR) for NBFCs?",
     "answer": "Scale-Based Regulation (SBR) is the Reserve Bank’s framework, effective from October 2022, that calibrates how tightly a Non-Banking Financial Company (NBFC) is regulated to its size, activity and perceived systemic risk. NBFCs are sorted into four layers — Base Layer (NBFC-BL), Middle Layer (NBFC-ML), Upper Layer (NBFC-UL) and a currently empty Top Layer (NBFC-TL). Smaller, non-deposit-taking NBFCs sit in the Base Layer with the lightest norms, while larger and more interconnected NBFCs face progressively stricter capital, governance, exposure and disclosure requirements; a named set of the biggest NBFCs in the Upper Layer is subject to bank-like prudential rules. The aim is proportionate oversight — a larger footprint brings tighter rules. The exact layer criteria and obligations are set in the consolidated Master Directions linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between an NBFC and a bank?",
     "answer": "A bank and a Non-Banking Financial Company (NBFC) both lend and invest, but they differ in what they are legally allowed to do. A bank holds a banking licence under the Banking Regulation Act, 1949, can accept demand deposits that are repayable on demand and withdrawable by cheque, and is part of the payment and settlement system. An NBFC is registered under the Reserve Bank of India Act, 1934, cannot accept demand deposits and is not part of the payment system, so it cannot issue cheques drawn on itself; deposit-taking NBFCs may take only fixed-term deposits within limits. Bank deposits up to a prescribed limit are covered by DICGC deposit insurance, whereas NBFC deposits are not. NBFCs are also subject to reserve requirements such as CRR and SLR differently from banks, and since October 2022 are supervised under the layered Scale-Based Regulation framework. In short, banks run the deposit-and-payments backbone while NBFCs are specialised lenders and investors operating under a lighter, activity-calibrated rulebook. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/nbfc-regulation/",
   "documents_tracked": 318,
   "master_anchors": 14,
   "new_in_90_days": 0,
   "linked_dashboards": [
    {
     "title": "NPA / Asset-Quality Tracker",
     "url": "https://bankpulse.ai/dashboards/npa/"
    },
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "NBFC",
     "url": "https://bankpulse.ai/glossary/#nbfc"
    },
    {
     "term": "CRAR (Capital adequacy)",
     "url": "https://bankpulse.ai/glossary/#crar"
    },
    {
     "term": "Gross NPA (GNPA)",
     "url": "https://bankpulse.ai/glossary/#gnpa"
    },
    {
     "term": "Wilful defaulter",
     "url": "https://bankpulse.ai/glossary/#wilful-defaulter"
    }
   ],
   "recent_count": 20,
   "last_updated_iso": null,
   "latest_fy": "2013-20",
   "fy_count": 0,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2013-14/618",
     "title": "DNBS(PD).CC. No 378 /03.10.42 /2013-14 May 29, 2014 All Non Banking Financial Companies Dear Sirs, Know Your",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8912&Mode=0"
    },
    {
     "ref": "RBI/2013-14/609",
     "title": "DNBS.CC.PD.No.377/03.10.01/2013-14 May 27, 2014 To All Non-Banking Financial Companies Dear Sir, Rounding off",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8902&Mode=0"
    },
    {
     "ref": "RBI/2013-14/606",
     "title": "DNBS (PD) CC.No.376/03.10.001/2013-14 May 26, 2014 All NBFCs (excluding Primary Dealers) Dear Sirs, Requireme",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8899&Mode=0"
    },
    {
     "ref": "RBI/2013-14/571",
     "title": "DNBS (PD) CC. No. 38/SCRC/26.03.001/2013-14 April 23, 2014 The Chairman/Managing Director/Chief Executive Off",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8849&Mode=0"
    },
    {
     "ref": "RBI/2013-14/569",
     "title": "DNBS(PD).CC. No.375 /03.10.42 /2013-14 April 22 , 2014 All Non Banking Financial Companies Dear Sir, Reportin",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8847&Mode=0"
    },
    {
     "ref": "RBI/2013-14/558",
     "title": "DNBS (PD).CC.No. 374/03.10.001/2013-14 April 07, 2014 To Concerned Financial Institution Dear Sirs, Registrat",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8830&Mode=0"
    },
    {
     "ref": "RBI/2013-14/554",
     "title": "DNBS (PD) CC.No.373/03.10.001/2013-14 April 7, 2014 All NBFCs Dear Sirs, Investment through Alternative Inves",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8826&Mode=0"
    },
    {
     "ref": "RBI/2013-14/528",
     "title": "DNBS (PD) CC.No.371/03.05.02/2013-14 March 21, 2014 All NBFCs Dear Sirs, Early Recognition of Financial Distr",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8782&Mode=0"
    },
    {
     "ref": "RBI/2013-14/524",
     "title": "DNBS(PD).CC.No 370/03.10.42/2013-14 March 19, 2014 All Non Banking Financial Companies excluding Residuary No",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8777&Mode=0"
    },
    {
     "ref": "RBI/2013-2014/523",
     "title": "DNBS (PD) CC.No. 37/SCRC/26.03.001/2013-2014 March 19, 2014 The Chairman/Managing Director/Chief Executive Of",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8776&Mode=0"
    },
    {
     "ref": "RBI/2013-2014/522",
     "title": "DNBS (PD) CC. No. 36/SCRC/26.03.001/2013-2014 March 19, 2014 The Chairman/Managing Director/Chief Executive O",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8775&Mode=0"
    },
    {
     "ref": "RBI/2013-14/482",
     "title": "DNBS (PD) CC.No.369/03.10.038/2013-14 February 7, 2014 All NBFC-MFIs Dear Sirs, ‘Non-Banking Financial Compan",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8734&Mode=0"
    },
    {
     "ref": "RBI/2013-14/461",
     "title": "DNBS(PD).CC. No 368 /03.10.01 /2013-14 January 24 , 2014 All Non Banking Financial Companies Dear Sirs, Prepa",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8709&Mode=0"
    },
    {
     "ref": "RBI/2013-2014/460",
     "title": "DNBS (PD) CC. No. 35/SCRC/26.03.001/2013-2014 January 23, 2014 The Chairman/Managing Director/Chief Executive",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8707&Mode=0"
    },
    {
     "ref": "RBI/2013-14/459",
     "title": "DNBS.CO. PD. No. 367/03.10.01/2013-14 January 23, 2014 All NBFCs excluding Primary Dealers Dear Sirs, Review",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8706&Mode=0"
    },
    {
     "ref": "RBI/2013-14/443",
     "title": "DNBS(PD).CC. No 366/03.10.42/2013-14 January 10, 2014 All Non Banking Financial Companies / Residuary Non Ban",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8688&Mode=0"
    },
    {
     "ref": "RBI/2013-14/435",
     "title": "DNBS.CC.PD.No. 365/03.10.01/2013-14 January 08, 2014 To All NBFCs (excluding PDs) Dear Sirs, Lending Against",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8679&Mode=0"
    },
    {
     "ref": "RBI/2013-14/426",
     "title": "DNBS(PD).CC. No 364/03.10.42/2013-14 January 1, 2014 All Non Banking Financial Companies excluding Residuary",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8664&Mode=0"
    },
    {
     "ref": "RBI/2013-14/425",
     "title": "DNBS.PD.363/03.10.38/2013-14 January 1, 2014 All NBFC-MFIs Dear Sirs, Advances guaranteed by Credit Risk Guar",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8663&Mode=0"
    },
    {
     "ref": "RBI/2013-2014/422",
     "title": "DNBS (PD) CC. No. 34/SCRC/26.03.001/2013-2014 December 31, 2013 All registered Securitisation Companies/ Reco",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8660&Mode=0"
    }
   ]
  },
  {
   "code": "DIT",
   "name": "Information Technology & Cyber",
   "description": "RTGS/NDS systems, IT infrastructure, outsourcing & cyber-resilience circulars.",
   "faqs": [
    {
     "question": "What does the RBI Information Technology & Cyber family cover?",
     "answer": "RTGS/NDS systems, IT infrastructure, outsourcing & cyber-resilience circulars. On BankPulse this family groups 15 RBI documents we track, grouped by the RBI issuing-department code DIT."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Information Technology & Cyber?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 15 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the RBI cyber security framework for banks?",
     "answer": "The Reserve Bank’s cyber security framework, first set out in a June 2016 circular and strengthened since, requires every bank to put in place a board-approved cyber-security policy that is distinct from its general IT policy and proportionate to the bank’s size, complexity and risk profile. Its core building blocks include a Cyber Crisis Management Plan (CCMP) to detect, contain and recover from attacks; continuous monitoring, typically through a Security Operations Centre (SOC); a baseline set of security controls and a gap assessment against the expected maturity level; and prompt reporting of cyber incidents to the RBI within a few hours. Supervision sits with the Department of Information Technology, and comparable expectations have since been extended to urban co-operative banks, NBFCs and payment-system operators through later directions. The exact controls and timelines are set in the consolidated Master Directions and circulars linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What are the RBI Digital Lending Guidelines?",
     "answer": "The Reserve Bank's Digital Lending Guidelines, first issued in 2022 and consolidated into a Master Direction, govern how regulated lenders — banks and NBFCs — may lend through digital channels and the apps and platforms (Lending Service Providers) they work with. Their central principle is that all loan disbursals and repayments must flow directly between the borrower's bank account and the regulated lender, with no pass-through or pooling through the account of a Lending Service Provider or app. Lenders must give every borrower a standardised Key Fact Statement setting out the all-in Annual Percentage Rate (APR), fees and the cooling-off period during which a borrower can exit by repaying the principal and proportionate APR without penalty. The rules also require clear disclosure of which regulated entity is actually lending, a grievance-redressal route, and tighter controls on how borrower data is collected and stored. Supervision sits with the RBI, and the exact obligations are set in the consolidated Master Direction and circulars linked on this page. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/information-technology-cyber/",
   "documents_tracked": 15,
   "master_anchors": 0,
   "new_in_90_days": 0,
   "linked_dashboards": [],
   "linked_glossary_terms": [],
   "recent_count": 15,
   "last_updated_iso": null,
   "latest_fy": "2025-26",
   "fy_count": 0,
   "last_updated_basis": "fy",
   "recent": [
    {
     "ref": "RBI/2025-26/34",
     "title": "DIT.CO.No.S-106/07.71.039/2025-26 April 28, 2025 The Chairman / Managing Director / Chief Executive Officer A",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12845&Mode=0"
    },
    {
     "ref": "RBI/2025-26/28",
     "title": "CO.DIT.DCD.No.S81/01-71-110/2025-26 April 22, 2025 All Commercial Banks All Primary (Urban) Co-operative Bank",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12837&Mode=0"
    },
    {
     "ref": "RBI/2013-14/525",
     "title": "DIT CO No.1971/07.71.099/2013-14 March 19, 2014 The Chairmen/Chief Executive Officers, All Scheduled Commerci",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8778&Mode=0"
    },
    {
     "ref": "RBI/2013-14/501",
     "title": "DIT CO No.1857/07.71.099/2013-14 February 26, 2014 The Chief Information Security Officer (CISO) All Schedule",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8753&Mode=0"
    },
    {
     "ref": "RBI/2013-14/216",
     "title": "DIT.CO (Policy) No.674/09.63.025/2013-14 August 30, 2013 The Chairman/Chief Executive Officers All Scheduled",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8365&Mode=0"
    },
    {
     "ref": "RBI/2012-13/547",
     "title": "DIT.CO(Policy)No. 2636/09.63.025/2012-13 June 26, 2013 The Chairmen/Chief Executive Officers, All Scheduled C",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8061&Mode=0"
    },
    {
     "ref": "RBI/2011-12/600",
     "title": "DIT Cir. No.2833/09.63.025/2011-12 June 13, 2012 The Chairmen/Chief Executive Officers, All Scheduled Commerc",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7269&Mode=0"
    },
    {
     "ref": "RBI/2010-11/282",
     "title": "DIT(CO) No. /09.61.002/2010-11 November 16, 2010 To All NDS Members Dear Sir, Reminder: Up-gradation of the P",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6108&Mode=0"
    },
    {
     "ref": "RBI/2010-11/262",
     "title": "DIT (CO) Circular No.10/09.63.08/2010-11 November 4, 2010 To All RTGS Members Dear Sir, Migration of RTGS Sys",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6079&Mode=0"
    },
    {
     "ref": "RBI/2009-10/237",
     "title": "DIT(CO) Circular NO. 6/09.61.002/2009-10 November 30, 2009 To All NDS Members Dear Sir, Up-gradation of the P",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5389&Mode=0"
    },
    {
     "ref": "RBI/2009-10/230",
     "title": "DIT (CO) Circular No. 5 /09.63.08/2009-10 November 23, 2009 To All RTGS Members Dear Sir, Up-gradation of RTG",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5378&Mode=0"
    },
    {
     "ref": "RBI/2008-09/495",
     "title": "DIT.CO.(Pol).Cir 2/ 3092/09.63.26 /2008-09 June 10, 2009 The Chief Executives of all participant members (RTG",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5027&Mode=0"
    },
    {
     "ref": "RBI/2004-05/417",
     "title": "DIT (CO) No. 255/09.63.99/2004 April 11, 2005 The Chairmen & Chief Executive of all commercial banks. Dear Si",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=2190&Mode=0"
    },
    {
     "ref": "RBI/2004-05/405",
     "title": "DIT(CO). 2403 /09.63.99/2005 March 29, 2005 The Chairmen and CEOs of all banks Dear Sir, OUTSOURCING OF IT SY",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=2166&Mode=0"
    },
    {
     "ref": "RBI/2004-2005/393",
     "title": "Ref DIT.CO.No. 2218 /09.63.36/2004-2005 March 11, 2005 CMDs/CEOs of all Scheduled Banks, Dear Sir, Cheque Tru",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=2156&Mode=0"
    }
   ]
  },
  {
   "code": "EFD",
   "name": "Enforcement",
   "description": "RBI Enforcement Department actions — monetary penalty orders on regulated entities for non-compliance. Enforcement actions, not a Master Direction rulebook.",
   "faqs": [
    {
     "question": "What does the RBI Enforcement family cover?",
     "answer": "RBI Enforcement Department actions — monetary penalty orders on regulated entities for non-compliance. Enforcement actions, not a Master Direction rulebook. On BankPulse this family groups 2 RBI documents we track, grouped by the RBI issuing-department code EFD."
    },
    {
     "question": "Where can I find the official RBI Master Directions for Enforcement?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 2 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is an RBI monetary penalty and on what basis is it imposed?",
     "answer": "An RBI monetary penalty is a financial penalty the Reserve Bank imposes on a regulated entity — a commercial or co-operative bank, an NBFC or a payment-system operator — for non-compliance with its directions or with statutory provisions. The power to penalise flows from statutes such as the Banking Regulation Act, 1949 (notably Section 47A), the Reserve Bank of India Act, 1934 and the Payment and Settlement Systems Act, 2007, and is exercised by the RBI’s Enforcement Department after a show-cause notice and hearing. The RBI consistently states that such penalties are based on deficiencies in regulatory compliance and are not intended to pronounce upon the validity of any transaction or agreement the entity has with its customers. BankPulse tracks every disclosed penalty order on its penalty dashboard, each linked to the official RBI press release. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "How does the RBI impose monetary penalties on banks (the enforcement process)?",
     "answer": "The Reserve Bank follows a defined, quasi-judicial process before levying a monetary penalty. It usually begins with supervisory findings — from an inspection, statutory audit, a market-intelligence input or a self-reported breach — that suggest a regulated entity has not complied with RBI directions or a statutory provision. The RBI's Enforcement Department then issues a show-cause notice setting out the alleged contraventions, to which the entity may reply in writing and seek a personal hearing. After considering the reply and hearing, and only where the charge of non-compliance is sustained, the RBI passes an order imposing a penalty under the relevant statute — such as Section 47A of the Banking Regulation Act, 1949, the RBI Act, 1934 or the Payment and Settlement Systems Act, 2007. Each order is published as a press release on rbi.org.in, and the RBI states that the penalty rests on a deficiency in regulatory compliance and is not a judgment on any customer transaction. BankPulse tracks every disclosed order on its penalty dashboard, each linked to the official RBI release. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/enforcement/",
   "documents_tracked": 2,
   "master_anchors": 0,
   "new_in_90_days": 0,
   "linked_dashboards": [
    {
     "title": "RBI Penalty Tracker",
     "url": "https://bankpulse.ai/dashboards/penalties/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    },
    {
     "term": "KYC / AML",
     "url": "https://bankpulse.ai/glossary/#kyc-aml"
    },
    {
     "term": "Banking Ombudsman (RB-IOS)",
     "url": "https://bankpulse.ai/glossary/#ombudsman"
    }
   ],
   "recent_count": 2,
   "last_updated_iso": "2026-06-15",
   "latest_fy": "2024-25",
   "fy_count": 0,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "RBI/2024-25/108",
     "title": "EFD.CO.No.1/02.08.001/2024-25 January 30, 2025 The Chairman / Managing Director / Chief Executive Officer, Au",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12773&Mode=0"
    },
    {
     "ref": "",
     "title": "RBI imposes monetary penalty on Mahila Co-operative Bank Ltd., Bangalore, Karnataka",
     "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62939"
    }
   ]
  },
  {
   "code": "OTHER",
   "name": "General / Cross-departmental",
   "description": "RBI communications not tied to a single issuing department (press releases, auction results, market operations).",
   "faqs": [
    {
     "question": "What does the RBI General / Cross-departmental family cover?",
     "answer": "RBI communications not tied to a single issuing department (press releases, auction results, market operations). On BankPulse this family groups 8 RBI documents we track, anchored by 1 consolidated Master Direction / Master Circular."
    },
    {
     "question": "Where can I find the official RBI Master Directions for General / Cross-departmental?",
     "answer": "Every entry on this page links directly to its official notification on rbi.org.in — we never reproduce RBI text verbatim. Start with the Master Direction / Master Circular anchors listed above for the consolidated rulebook, or browse the 8 tracked circulars in this family. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    },
    {
     "question": "What is the difference between a Master Direction, a Master Circular and a circular?",
     "answer": "All three are ways the Reserve Bank issues its rules, but they differ in form and durability. A circular is a single instruction on a specific subject, issued as needed and often amending or clarifying an existing norm. A Master Circular consolidates all the circulars on one subject into a single up-to-date document and was historically re-issued every year, typically on 1 July. A Master Direction is the RBI’s consolidated, living rulebook on a subject: it sets out the principal regulations in one place and is updated on an ongoing basis as individual amending circulars are issued, so it stays continuously current rather than being reissued annually. In practice the RBI has been moving from annual Master Circulars towards living Master Directions. BankPulse’s crosswalk maps each tracked circular to its parent Master Direction or Master Circular family so you can always reach the consolidated official source. This is general information, not advice. Methodology reviewed by CA Vikram Dhariwal Jain; BankPulse is an independent platform, not affiliated with the Reserve Bank of India."
    }
   ],
   "url": "https://bankpulse.ai/crosswalk/general-cross-departmental/",
   "documents_tracked": 8,
   "master_anchors": 1,
   "new_in_90_days": 1,
   "linked_dashboards": [
    {
     "title": "Bank Health Scores",
     "url": "https://bankpulse.ai/dashboards/bank-health/"
    }
   ],
   "linked_glossary_terms": [
    {
     "term": "Master Direction",
     "url": "https://bankpulse.ai/glossary/#master-direction"
    },
    {
     "term": "Scheduled Commercial Bank (SCB)",
     "url": "https://bankpulse.ai/glossary/#scb"
    },
    {
     "term": "Repo rate",
     "url": "https://bankpulse.ai/glossary/#repo-rate"
    }
   ],
   "recent_count": 7,
   "last_updated_iso": "2026-06-17",
   "latest_fy": "2021-20",
   "fy_count": 0,
   "last_updated_basis": "pubdate",
   "recent": [
    {
     "ref": "RBI/FD/2023-24/1",
     "title": "FD.RID.No.1/08.13.103/2023-24 February 28, 2024 ( Updated on October 08, 2021 ) ( Updated on December 16, 202",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13375&Mode=0"
    },
    {
     "ref": "RBI/2021-2022/170",
     "title": "CO.DSIM.SMD.No.S482/05-06-004/2021-22 February 18, 2022 SCBs (including Regional Rural Banks) and Payment Ban",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12242&Mode=0"
    },
    {
     "ref": "RBI/2006-07/178",
     "title": "dated November 16, 2006 as amended from time to time. Yours faithfully (Rajendra Kumar) Deputy General Manage",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7724&Mode=0"
    },
    {
     "ref": "RBI/2007-2008/127",
     "title": "   Creation of buffer stock of 30 lac tons – reg",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=3790&Mode=0"
    },
    {
     "ref": "RBI/2004-05/404",
     "title": "dated March 29, 2005). All bids should be submitted by 12.30 p.m v. An investor can submit more than one bid",
     "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=2696&Mode=0"
    },
    {
     "ref": "",
     "title": "Performance of Private Corporate Business Sector during Q4:2025-26",
     "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62946"
    },
    {
     "ref": "",
     "title": "Directions under Section 35A read with Section 56 of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) – The Gauhat",
     "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62954"
    }
   ]
  }
 ]
}