{"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":"md11322","title":"Master Directions on Relief/Savings Bonds","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/md11322","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding instrument, class not named: applies broadly","layer":"bankpulse_inference"},"applies_to":{"shown":"SBI, other listed banks and SHCIL, as Receiving Offices RBI appointed for these bonds, and their brokers","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md11322","mode":"four_dates_v1","published":{"label":"Published","value":"Jul 03, 2018","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/md11322.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=11322","document_date":"Jul 03, 2018","read_by_bankpulse":"2026-08-12T01:49:39Z","text_sha256":"39362b6331c39a33","word_count":1594,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":31,"points_naming_an_rbi_paragraph":31,"points_stored":31,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md11322-b1003166","page_group":"Must know","stored_section":"BROKER RULES","heading":"Receiving Office gives a code","plain_english":"The Receiving Office gives the broker a code number for every brokerage claim.","rbi_paragraph":"Section A Item 1","rbi_char_offset":3266,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md11322#p1","layer":"bankpulse"},{"n":2,"claim":"md11322-8a0a3d17","page_group":"Must know","stored_section":"BROKER RULES","heading":"Receiving Office owns its brokers","plain_english":"The Receiving Office that appoints a broker or sub-agent answers for that broker's conduct.","rbi_paragraph":"Section A Item 2","rbi_char_offset":3916,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md11322#p2","layer":"bankpulse"},{"n":3,"claim":"md11322-3947abcc","page_group":"Must know","stored_section":"BROKER RULES","heading":"No RBI name in publicity","plain_english":"A broker or sub-agent may not use RBI's name in its own publicity.","rbi_paragraph":"Section A Item 2","rbi_char_offset":4029,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md11322#p3","layer":"bankpulse"},{"n":4,"claim":"md11322-eca0780a","page_group":"Must know","stored_section":"BROKERAGE PAYMENT","heading":"Brokerage rate on bonds","plain_english":"A broker earns ₹0.50 for every ₹100 of bonds bought as a Bond Ledger Account.","rbi_paragraph":"Section B Item 1","rbi_char_offset":4351,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A client buys ₹1,00,000 of bonds through a registered broker. 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