{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"mc12827","title":"Master Circular - Management of Advances - UCBs","document_kind":"Circular","page":"https://bankpulse.ai/rule/mc12827","status":"In force","importance":{"code":"FYI","label":"FOR INFORMATION","weight":"For information","why":"General RBI update: no desk rule matched — read the source if it touches your work","layer":"bankpulse_inference"},"applies_to":{"shown":"Urban co-operative banks","class_code":"ALL","from":"Opening paragraphs","layer":"bankpulse"},"dates":{"prid":"mc12827","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 01, 2025","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/mc12827.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://www.rbi.org.in/Scripts/BS_ViewMasterCirculars.aspx?Id=12827&Mode=0","document_date":"Apr 01, 2025","read_by_bankpulse":"2026-08-28 10:32:42 UTC","text_sha256":"29e16c5fb421def5b09a47a0a3c3da071df9624b758dbe40d6f075540b29bcf1","word_count":17042,"standing_last_checked":"RBI publishes no live index for this kind of document. Standing follows RBI’s consolidation circular of 28 November 2025."},"counts":{"points_shown":43,"points_naming_an_rbi_paragraph":43,"points_stored":43,"actions":0,"amendments":0},"points":[{"n":1,"claim":"mc12827-fc3f0936","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"Turnover method limits","plain_english":"Working capital up to 1 crore rupees, or 5 crore for micro and small firms, may be judged on projected turnover.","rbi_paragraph":"Para 2","rbi_char_offset":4124,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["msme-loan","working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/mc12827#p1","layer":"bankpulse"},{"n":2,"claim":"mc12827-153fe90b","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"The 25-5-20 split","plain_english":"Working capital is 25 per cent of turnover; the borrower brings 5 and the bank lends at least 20.","rbi_paragraph":"Para 2","rbi_char_offset":4431,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":"Suppose a firm projects a turnover of ₹4 crore for the year. Working capital is 25 per cent of that, which is ₹1 crore. The firm brings 5 per cent of turnover as its own money, which is ₹20 lakh. 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It must still be worth enough to cover the loan.","rbi_paragraph":"Para 4","rbi_char_offset":20384,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/mc12827#p21","layer":"bankpulse"},{"n":9,"claim":"mc12827-aa8222e9","page_group":"Do it","stored_section":"WHO SHOULD ACT","heading":"Advances reviewed regularly","plain_english":"Advances must be reviewed on a regular basis against need and lending norms.","rbi_paragraph":"Para 4","rbi_char_offset":22592,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/mc12827#p22","layer":"bankpulse"},{"n":10,"claim":"mc12827-332f6050","page_group":"Do it","stored_section":"WHO SHOULD ACT","heading":"Watch large withdrawals","plain_english":"Banks must keep proper watch over clients' requests for large cash withdrawals.","rbi_paragraph":"Para 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BankPulse never republishes RBI's exact sentences. Use rbi_paragraph with rbi_source.url to read RBI's own words.","terms":"BankPulse's plain-English summaries are BankPulse's own work. The underlying regulation is the Reserve Bank of India's. Always check the RBI document named in rbi_source before acting."}