{"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":"md12799","title":"Master Directions - Reserve Bank of India (Priority Sector Lending – Targets and Classification) Directions, 2025","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/md12799","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":"Commercial banks (including RRB, SFB and LAB) and urban co-operative banks","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md12799","mode":"four_dates_v1","published":{"label":"Published","value":"Sep 04, 2020","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"May 5, 2021","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"243 days","stated":true,"why":"The room between the day it was published and the day it starts to apply."},"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/md12799.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=12799","document_date":"Sep 04, 2020","read_by_bankpulse":"2026-08-21 16:14:53 UTC","text_sha256":"a716ca24feaf92d3dad8ae54e78efc3a920b7545e0f1f5d7b411a0da04d19062","word_count":13126,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":55,"points_naming_an_rbi_paragraph":55,"points_stored":55,"actions":0,"amendments":3},"points":[{"n":1,"claim":"md12799-ffc69ee7","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"Nothing may be netted off","plain_english":"A bank may not deduct provisions or accrued interest from net bank credit here.","rbi_paragraph":"Para 6(2)","rbi_char_offset":10602,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p1","layer":"bankpulse"},{"n":2,"claim":"md12799-c24b57db","page_group":"Must know","stored_section":"IMPACT","heading":"Forty per cent overall","plain_english":"A domestic commercial bank must reach 40 per cent of adjusted net bank credit, or of the off-book base when higher.","rbi_paragraph":"Para 7","rbi_char_offset":13957,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Suppose a bank's adjusted net bank credit works out to one lakh crore rupees. 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Small and marginal farmers are the first named.","rbi_paragraph":"Para 17","rbi_char_offset":31502,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p51","layer":"bankpulse"},{"n":19,"claim":"md12799-b8f8e1b0","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Averaged over four quarters","plain_english":"The cap is tested by averaging the on-lending portfolio across four quarters of the year.","rbi_paragraph":"Para 22","rbi_char_offset":38683,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p52","layer":"bankpulse"},{"n":20,"claim":"md12799-7d46d44a","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Counted quarter by quarter","plain_english":"Each quarter is watched separately and a simple average of the four decides the year.","rbi_paragraph":"Para 29","rbi_char_offset":44093,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p53","layer":"bankpulse"},{"n":21,"claim":"md12799-78e3d32b","page_group":"Background","stored_section":"WHAT CHANGES","heading":"The interest rate rule","plain_english":"Interest on these loans follows RBI's own directions on interest rates on advances.","rbi_paragraph":"Para 30","rbi_char_offset":45655,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p54","layer":"bankpulse"},{"n":22,"claim":"md12799-48bdb741","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Per member for a group","plain_english":"For a self help group or joint liability group that limit applies per member.","rbi_paragraph":"Para 30","rbi_char_offset":46193,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["microfinance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12799#p55","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13280","title":"Reserve Bank of India (Priority Sector Lending – Targets and Classification) (Amendment) Directions, 2026","date":"Jan 19, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13280&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13674","title":"Reserve Bank of India (Priority Sector Lending – Targets and Classification) Second Amendment Directions, 2026","date":"Aug 07, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13674&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13698","title":"Reserve Bank of India (Priority Sector Lending – Targets and Classification) Third Amendment Directions, 2026","date":"Sep 11, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13698&Mode=0","order":3,"layer":"rbi_source"}],"layers":{"rbi_source":"Facts taken from RBI's own document.","bankpulse":"BankPulse's plain-English summary of RBI's document.","bankpulse_inference":"BankPulse's own inference, not stated by RBI."},"rbi_wording_not_included":"By design. 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."}