{ "name": "BankPulse Data API", "generated_at": "17 Jun 2026, 18:08 IST", "generated_at_iso": "2026-06-17T18:08:07+05:30", "dateModified": "2026-06-17T18:08:07+05:30", "description": "Static, agent-native JSON endpoints for India's RBI banking-intelligence platform.", "endpoints": [ { "url": "https://bankpulse.ai/api/circulars.json", "desc": "Every published RBI circular, simplified — ref, title, url, products, summary, official source.", "returns": "object", "item_key": "circulars", "fields": [ "ref", "title", "url", "products", "summary", "official_source", "reviewed_by", "published_at_iso" ] }, { "url": "https://bankpulse.ai/api/crosswalk.json", "desc": "RBI Master Direction crosswalk: every tracked document mapped to its issuing-department family.", "returns": "object", "item_key": "families", "fields": [ "code", "name", "desc", "product", "count", "anchors", "master_count", "recent_count", "url" ] }, { "url": "https://bankpulse.ai/api/crosswalk-families.json", "desc": "Per-family crosswalk feed: doc/Master-Direction counts, the linked dashboards and glossary terms, plus a `recent` array of the latest ~20 non-master circulars in each family (ref, title, official rbi.org.in source).", "returns": "object", "item_key": "families", "fields": [ "code", "name", "description", "url", "documents_tracked", "master_anchors", "linked_dashboards", "linked_glossary_terms", "recent_count", "recent", "last_updated_iso", "latest_fy", "last_updated_basis" ], "doc_level": [ "total_recent", "recent_summary", "most_recently_updated" ], "doc_level_notes": { "most_recently_updated": "Families ranked by their most recently tracked circular (last_updated_iso, newest first; families without a dated circular fall last)." } }, { "url": "https://bankpulse.ai/api/dashboards.json", "desc": "All live BankPulse data dashboards (repo rate, credit, bank health, NPAs, penalties).", "returns": "object", "item_key": "dashboards", "fields": [ "title", "url", "topic", "desc" ] }, { "url": "https://bankpulse.ai/api/methodology.json", "desc": "How each BankPulse dashboard is built: its official RBI source, plain-English methodology, on-page data-table URL and matching JSON data endpoint.", "returns": "object", "item_key": "dashboards", "fields": [ "slug", "title", "dashboard", "source", "official_source", "methodology", "data_table_url", "data_api" ] }, { "url": "https://bankpulse.ai/api/datasets.json", "desc": "schema.org DataCatalog: every live BankPulse dashboard dataset as a Dataset object — name, dashboard url, official RBI source (isBasedOn), source description and the JSON DataDownload (distribution.contentUrl). Mirrors the index.json 'datasets' block as a standalone, dereferenceable feed.", "returns": "object", "item_key": "datasets", "fields": [ "@type", "name", "url", "description", "isBasedOn", "source", "creator", "distribution", "measurementTechnique" ] }, { "url": "https://bankpulse.ai/api/entities.json", "desc": "Key Indian financial-sector regulators/entities BankPulse references (RBI, NPCI, CERSAI, SEBI, IRDAI, DICGC) — each as a schema.org Organization node with official url and Wikidata/Wikipedia sameAs for entity disambiguation. Mirrors the on-site knowsAbout entity graph.", "returns": "object", "item_key": "entities", "fields": [ "@type", "name", "alternateName", "description", "url", "sameAs" ] }, { "url": "https://bankpulse.ai/api/repo-rate.json", "desc": "RBI repo-rate history as a time-series: every MPC change with effective date and rate.", "returns": "object", "item_key": "series", "fields": [ "effective_date", "repo_rate_pct", "note" ] }, { "url": "https://bankpulse.ai/api/credit-deposit.json", "desc": "Bank credit & deposit YoY growth, credit-deposit ratio, and sectoral growth as data.", "returns": "object", "item_key": "segments", "fields": [ "segment", "growth_yoy_pct" ], "top_level_metrics": [ "credit_growth_yoy_pct", "deposit_growth_yoy_pct", "credit_deposit_ratio_pct" ], "data_table": "The segment growth_yoy_pct values plus the top-level credit/deposit/CD-ratio metrics back the on-page growth + key-figures data-table fallback shown beneath the chart." }, { "url": "https://bankpulse.ai/api/npa.json", "desc": "GNPA / NNPA / PCR time-series (2018-2024) plus bank-group GNPA split, as data.", "returns": "object", "item_key": "series", "fields": [ "period", "gnpa_pct", "nnpa_pct", "pcr_pct" ], "also": { "bank_group_gnpa": [ "group", "gnpa_pct" ] }, "data_table": "These series fields (period, gnpa_pct, nnpa_pct, pcr_pct) and the bank_group_gnpa split back the on-page period/trend data-table fallback shown beneath the chart for accessibility and AI answer engines." }, { "url": "https://bankpulse.ai/api/bank-health.json", "desc": "Composite bank-health scorecard: five prudential pillars (CRAR/GNPA/PCR/RoA/LCR) + bank-group split + a 5-reading half-yearly trend (period, CRAR, GNPA, RoA), as data.", "returns": "object", "item_key": "pillars", "fields": [ "pillar", "value", "unit", "sub_score_0_100", "weight", "note" ], "also": { "bank_group": [ "group", "gnpa_pct", "crar_pct" ], "trend": [ "period", "crar_pct", "gnpa_pct", "roa_pct" ] }, "data_table": "The pillars table, the bank_group split and the 5-reading trend all back on-page data-table fallbacks shown beneath each chart for accessibility and AI answer engines." }, { "url": "https://bankpulse.ai/api/penalties.json", "desc": "RBI penalty tracker as JSON: every monetary penalty (bank, amount, ISO date, official source, our summary). Doc-level disclosed_total_inr is the headline figure (sum of disclosed penalty amounts); amount_inr/amount_str are null when RBI did not disclose a figure. Penalties are ordered newest-first by date_iso; doc-level `sortable` lists the client-sortable fields mirrored on the dashboard summary table. Doc-level `rolling_90d` and `rolling_12m` carry the penalty count and disclosed total for the trailing 90-day and 12-month windows.", "returns": "object", "item_key": "penalties", "doc_level": [ "disclosed_total_inr", "disclosed_count", "count", "ordering", "sortable", "entity_breakdown", "rolling_12m", "monthly_trend_6m" ], "doc_level_notes": { "entity_breakdown": "Penalty count + disclosed-amount totals grouped by regulated-entity type (e.g. commercial bank, co-operative bank, NBFC), mirroring the on-page 'by entity type' breakdown.", "rolling_12m": "Trailing-365-day rolling summary {window_start, window_end, count, disclosed_count, disclosed_total_inr, avg_penalty_inr} backing the on-page 12-month rolling total + average-penalty stat cards.", "monthly_trend_6m": "Last 6 calendar months, oldest-first, each {month (YYYY-MM), count, disclosed_total_inr}; zero-filled months back the on-page Last-6-months at-a-glance mini-table." }, "fields": [ "bank", "title", "url", "official_source", "date", "date_iso", "amount_inr", "amount_str", "entity_type", "reviewed_by" ] }, { "url": "https://bankpulse.ai/api/glossary.json", "desc": "Plain-English definitions of core RBI / Indian banking terms, each linked to its dashboard or topic page.", "returns": "object", "item_key": "terms", "fields": [ "term", "slug", "definition", "related", "related_label" ] }, { "url": "https://bankpulse.ai/api/sitemap.json", "desc": "Agent-native sitemap index: every indexable URL with its lastmod date and page-type, mirrored from sitemap.xml.", "returns": "object", "item_key": "urls", "fields": [ "url", "path", "lastmod", "page_type" ], "also": { "count_by_page_type": "object" } }, { "url": "https://bankpulse.ai/api/pillars.json", "desc": "Topic clusters (pillars): each broad theme with member topic pages, mapped Master Direction families and linked live dashboards.", "returns": "object", "item_key": "pillars", "fields": [ "slug", "name", "url", "topics", "topic_count", "mapped_master_direction_families", "linked_dashboards" ] }, { "url": "https://bankpulse.ai/api/changelog.json", "desc": "Recent autonomous build/update events on BankPulse — what shipped and when (newest first).", "returns": "object", "item_key": "events", "fields": [ "task", "at", "at_iso" ] } ], "manifest_note": "Each endpoint lists 'returns' (top-level JSON type), 'item_key' (the array of records inside the object) and 'fields' (the keys on each record) so an agent can plan a query without fetching the endpoint first. Every endpoint also carries generated_at_iso + dateModified freshness markers.", "datasets": [ { "@type": "Dataset", "name": "Repo Rate Timeline", "url": "https://bankpulse.ai/dashboards/repo-rate/", "dateModified": "2026-06-17T18:08:07+05:30", "description": "Each MPC decision is recorded with its effective date and basis-point move; flat stretches are holds. Figures are entered from official MPC statements — never reproduced verbatim.", "isBasedOn": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx", "source": "RBI Monetary Policy Committee (MPC) decisions", "creator": { "@type": "Organization", "name": "BankPulse", "url": "https://bankpulse.ai/" }, "isAccessibleForFree": true, "inLanguage": "en", "distribution": { "@type": "DataDownload", "encodingFormat": "application/json", "contentUrl": "https://bankpulse.ai/api/repo-rate.json" }, "measurementTechnique": "Each MPC decision is recorded with its effective date and basis-point move; flat stretches are holds. Figures are entered from official MPC statements — never reproduced verbatim." }, { "@type": "Dataset", "name": "Credit & Deposit Growth", "url": "https://bankpulse.ai/dashboards/credit-deposit/", "dateModified": "2026-06-17T18:08:07+05:30", "description": "Year-on-year bank credit and deposit growth and the credit-deposit ratio are computed from RBI fortnightly releases for scheduled commercial banks.", "isBasedOn": "https://www.rbi.org.in/Scripts/WSSViewDetail.aspx", "source": "RBI fortnightly data on scheduled commercial banks", "creator": { "@type": "Organization", "name": "BankPulse", "url": "https://bankpulse.ai/" }, "isAccessibleForFree": true, "inLanguage": "en", "distribution": { "@type": "DataDownload", "encodingFormat": "application/json", "contentUrl": "https://bankpulse.ai/api/credit-deposit.json" }, "measurementTechnique": "Year-on-year bank credit and deposit growth and the credit-deposit ratio are computed from RBI fortnightly releases for scheduled commercial banks." }, { "@type": "Dataset", "name": "RBI Penalty Tracker", "url": "https://bankpulse.ai/dashboards/penalties/", "dateModified": "2026-06-17T18:08:07+05:30", "description": "Every penalty is logged from RBI's official press releases — entity, amount, compliance theme and month — then aggregated by entity type and by theme. Penalties are compliance signals, not commentary on a bank's solvency.", "isBasedOn": "https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx", "source": "RBI press releases on monetary penalties", "creator": { "@type": "Organization", "name": "BankPulse", "url": "https://bankpulse.ai/" }, "isAccessibleForFree": true, "inLanguage": "en", "distribution": { "@type": "DataDownload", "encodingFormat": "application/json", "contentUrl": "https://bankpulse.ai/api/penalties.json" }, "measurementTechnique": "Every penalty is logged from RBI's official press releases — entity, amount, compliance theme and month — then aggregated by entity type and by theme. Penalties are compliance signals, not commentary on a bank's solvency." }, { "@type": "Dataset", "name": "Bank Health Scores", "url": "https://bankpulse.ai/dashboards/bank-health/", "dateModified": "2026-06-17T18:08:07+05:30", "description": "A transparent composite scorecard maps each health pillar to its RBI source metric and regulatory floor / benchmark, scored out of 100. Indicative analytical index, not a regulatory rating.", "isBasedOn": "https://www.rbi.org.in/Scripts/PublicationReportDetails.aspx?ID=1259", "source": "RBI Financial Stability Report (FSR) aggregates", "creator": { "@type": "Organization", "name": "BankPulse", "url": "https://bankpulse.ai/" }, "isAccessibleForFree": true, "inLanguage": "en", "distribution": { "@type": "DataDownload", "encodingFormat": "application/json", "contentUrl": "https://bankpulse.ai/api/bank-health.json" }, "measurementTechnique": "A transparent composite scorecard maps each health pillar to its RBI source metric and regulatory floor / benchmark, scored out of 100. Indicative analytical index, not a regulatory rating." }, { "@type": "Dataset", "name": "NPA / Asset-Quality Tracker", "url": "https://bankpulse.ai/dashboards/npa/", "dateModified": "2026-06-17T18:08:07+05:30", "description": "Gross NPA, net NPA and provision coverage are taken from RBI period-end figures, with each metric mapped to its RBI source and regulatory floor. Arrows in the data tables show period-on-period change.", "isBasedOn": "https://www.rbi.org.in/Scripts/PublicationReportDetails.aspx?ID=1259", "source": "RBI Financial Stability Report & supervisory data", "creator": { "@type": "Organization", "name": "BankPulse", "url": "https://bankpulse.ai/" }, "isAccessibleForFree": true, "inLanguage": "en", "distribution": { "@type": "DataDownload", "encodingFormat": "application/json", "contentUrl": "https://bankpulse.ai/api/npa.json" }, "measurementTechnique": "Gross NPA, net NPA and provision coverage are taken from RBI period-end figures, with each metric mapped to its RBI source and regulatory floor. Arrows in the data tables show period-on-period change." } ], "datasets_note": "schema.org Dataset cross-references for each live BankPulse dashboard dataset — name, the dashboard page (url), its official RBI source (isBasedOn) and the JSON DataDownload (distribution.contentUrl) — so an agent discovers every dataset and its RBI provenance straight from this manifest. Full methodology + matching data endpoints are in /api/methodology.json.", "site": "https://bankpulse.ai/", "llms": "https://bankpulse.ai/llms.txt", "sitemap": "https://bankpulse.ai/sitemap.xml" }