{"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. 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Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md12108.json","effective":"data/date_kinds.json kind=effective_date","transition":"worked out from published and starts-to-apply","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12108","document_date":"Jun 04, 2021","read_by_bankpulse":"2026-08-21 16:22:31 UTC","text_sha256":"2c13b55461a67d908f8178e721826979c1e061aa87f626ae42844005f9dfc27d","word_count":1863,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":39,"points_naming_an_rbi_paragraph":39,"points_stored":39,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md12108-39376fb4","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"What a CD is","plain_english":"A CD is a bank's unsecured promissory note against money it holds, for up to one year.","rbi_paragraph":"Para 2","rbi_char_offset":4446,"weight":"MUST KNOW","role":"Treasury desk","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12108#p1","layer":"bankpulse"},{"n":2,"claim":"md12108-7991c9bd","page_group":"Must know","stored_section":"WHO IT APPLIES TO","heading":"Which banks may issue CDs","plain_english":"Scheduled Commercial Banks, Regional Rural Banks and Small Finance Banks may issue CDs.","rbi_paragraph":"Para 3","rbi_char_offset":6310,"weight":"MUST KNOW","role":"Treasury desk","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12108#p2","layer":"bankpulse"},{"n":3,"claim":"md12108-117e2ead","page_group":"Must know","stored_section":"WHO IT APPLIES TO","heading":"Who can buy a CD","plain_english":"A certificate of deposit can be issued to any person resident in India.","rbi_paragraph":"Para 4","rbi_char_offset":6735,"weight":"MUST KNOW","role":"Treasury desk","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12108#p3","layer":"bankpulse"},{"n":4,"claim":"md12108-00d6abfd","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"CDs must be dematerialised","plain_english":"CDs are issued only in demat form, held with a SEBI-registered depository.","rbi_paragraph":"Para 5","rbi_char_offset":6830,"weight":"MUST KNOW","role":"Treasury desk","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12108#p4","layer":"bankpulse"},{"n":5,"claim":"md12108-9524dd8d","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"Minimum size, Rs 5 lakh","plain_english":"A CD is issued in steps of Rs 5 lakh.","rbi_paragraph":"Para 5","rbi_char_offset":6961,"weight":"MUST KNOW","role":"Treasury desk","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"BankPulse example. 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