{"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":"md12839","title":"Master Directions - Compounding of Contraventions under FEMA, 1999, dated April 22, 2025 (Updated as on April 24, 2025)","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/md12839","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Foreign money rules and returns, for banks that handle foreign money","layer":"bankpulse_inference"},"applies_to":{"shown":"Banks that handle foreign money","class_code":"AD","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md12839","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 22, 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/md12839.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12839","document_date":"Apr 22, 2025","read_by_bankpulse":"2026-08-21 16:29:05 UTC","text_sha256":"ae1286bee0e80155fce2a481fcd7a09e9a7b11f6f4b9e4511702203030e52a6d","word_count":4772,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":30,"points_naming_an_rbi_paragraph":30,"points_stored":30,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md12839-b470d6c1","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"Penalty without compounding","plain_english":"Without compounding, a violation can draw a penalty of up to three times the amount involved, or Rupees Two lakhs.","rbi_paragraph":"Para 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