{"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":"md12968","title":"Reserve Bank of India (All India Financial Institutions – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12968","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding RBI Directions naming this institution class in the title","layer":"bankpulse_inference"},"applies_to":{"shown":"All India financial institutions","class_code":"AIFI","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md12968","mode":"four_dates_v1","published":{"label":"Published","value":"Nov 28, 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/md12968.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12968","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:20:15 UTC","text_sha256":"dcc154e91040c56b892629b84400382fd7f39869b88ddbd8b8fe899c36c9ad0f","word_count":3271,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":44,"points_naming_an_rbi_paragraph":44,"points_stored":44,"actions":0,"amendments":3},"points":[{"n":1,"claim":"md12968-976083b9","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Conduct rules for institutions","plain_english":"This document sets the lending conduct rules for all India financial institutions.","rbi_paragraph":"Para 1","rbi_char_offset":3221,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p1","layer":"bankpulse"},{"n":2,"claim":"md12968-a58b2273","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions took effect on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":3367,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p2","layer":"bankpulse"},{"n":3,"claim":"md12968-22f8f06e","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to the all India financial institutions named in them.","rbi_paragraph":"Para 3","rbi_char_offset":3481,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p3","layer":"bankpulse"},{"n":1,"claim":"md12968-02fcb6ea","page_group":"Chapter II. Institutional Framework","stored_section":"WHO SHOULD ACT","heading":"Board approves the policies","plain_english":"The Board must approve the policies and reviews that keep customer service sound.","rbi_paragraph":"Para 4","rbi_char_offset":3969,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p4","layer":"bankpulse"},{"n":2,"claim":"md12968-77e233c5","page_group":"Chapter II. Institutional Framework","stored_section":"WHO SHOULD ACT","heading":"Board reviews fair practices","plain_english":"Compliance with the fair practices code and the complaints system must be reviewed regularly.","rbi_paragraph":"Para 6","rbi_char_offset":4612,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p5","layer":"bankpulse"},{"n":3,"claim":"md12968-50c97cbb","page_group":"Chapter II. Institutional Framework","stored_section":"WHO SHOULD ACT","heading":"Reviews go to the Board","plain_english":"A combined report of those reviews goes to the Board at intervals it sets.","rbi_paragraph":"Para 6","rbi_char_offset":4784,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p6","layer":"bankpulse"},{"n":1,"claim":"md12968-eacb844d","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Small loans, gentle watch","plain_english":"Supervision after payout of a loan up to 2 lakh rupees must stay constructive.","rbi_paragraph":"Para 22","rbi_char_offset":8948,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A borrower with a ₹1.5 lakh loan falls behind. The loan is up to ₹2 lakh, so the follow-up must stay constructive. The aim is to sort out genuine difficulty, not to press.","anchor":"https://bankpulse.ai/rule/md12968#p7","layer":"bankpulse"},{"n":2,"claim":"md12968-716c9205","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"KEY DATES","heading":"Reply in twenty-one days","plain_english":"An objection to a loan transfer must be conveyed within 21 days of the request.","rbi_paragraph":"Para 28","rbi_char_offset":10722,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A request reaches the lender on 1 September. Any objection must be conveyed within 21 days, which is by 22 September.","anchor":"https://bankpulse.ai/rule/md12968#p8","layer":"bankpulse"},{"n":3,"claim":"md12968-658033ac","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Fees stated in the form","plain_english":"All processing charges and fees must be stated in the loan application form.","rbi_paragraph":"Para 7","rbi_char_offset":5048,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p9","layer":"bankpulse"},{"n":4,"claim":"md12968-890d7869","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Fees also on the website","plain_english":"The same information must appear on the website for every loan product.","rbi_paragraph":"Para 9","rbi_char_offset":5679,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p10","layer":"bankpulse"},{"n":5,"claim":"md12968-83794117","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Fees must not discriminate","plain_english":"Those charges and fees must be the same for everyone.","rbi_paragraph":"Para 10","rbi_char_offset":6026,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p11","layer":"bankpulse"},{"n":6,"claim":"md12968-ab87dd26","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Receipt states the time frame","plain_english":"Every loan application gets a receipt stating by when it will be decided.","rbi_paragraph":"Para 11","rbi_char_offset":6100,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p12","layer":"bankpulse"},{"n":7,"claim":"md12968-34e4fa92","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Checked in reasonable time","plain_english":"Loan applications must be checked within a reasonable time.","rbi_paragraph":"Para 12","rbi_char_offset":6273,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p13","layer":"bankpulse"},{"n":8,"claim":"md12968-e0636ac0","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Ask for papers at once","plain_english":"If more papers are needed, the borrower must be told immediately.","rbi_paragraph":"Para 12","rbi_char_offset":6392,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p14","layer":"bankpulse"},{"n":9,"claim":"md12968-85755c63","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Assess the borrower properly","plain_english":"Every credit application must be properly assessed.","rbi_paragraph":"Para 14","rbi_char_offset":6702,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p15","layer":"bankpulse"},{"n":10,"claim":"md12968-d0bf411c","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Security is not a shortcut","plain_english":"Margin and security cannot stand in place of checking whether the borrower can repay.","rbi_paragraph":"Para 14","rbi_char_offset":6783,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p16","layer":"bankpulse"},{"n":11,"claim":"md12968-3d1677dc","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Terms put in writing","plain_english":"The agreed terms must be put in writing and certified by an authorised officer.","rbi_paragraph":"Para 16","rbi_char_offset":7245,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p17","layer":"bankpulse"},{"n":12,"claim":"md12968-567f7f1d","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Pay out on time","plain_english":"Sanctioned loans must be paid out on time and on the sanctioned terms.","rbi_paragraph":"Para 20","rbi_char_offset":8503,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p18","layer":"bankpulse"},{"n":13,"claim":"md12968-e08c5ee9","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Notice before a change","plain_english":"Notice must be given before any change in terms, interest rate or charges.","rbi_paragraph":"Para 21","rbi_char_offset":8637,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p19","layer":"bankpulse"},{"n":14,"claim":"md12968-8211e6f5","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Rate changes look forward","plain_english":"A change in interest rate or charges can only apply from that date onwards.","rbi_paragraph":"Para 21","rbi_char_offset":8758,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p20","layer":"bankpulse"},{"n":15,"claim":"md12968-991e5626","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Release security on repayment","plain_english":"All security must be released once the loan is repaid, subject to any other lawful claim.","rbi_paragraph":"Para 24","rbi_char_offset":9379,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p21","layer":"bankpulse"},{"n":16,"claim":"md12968-6e1c3615","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No discrimination in lending","plain_english":"Lending cannot discriminate on grounds of sex, caste or religion.","rbi_paragraph":"Para 26","rbi_char_offset":10099,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p22","layer":"bankpulse"},{"n":17,"claim":"md12968-bf1b0887","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Weaker section schemes allowed","plain_english":"That does not stop a lender joining schemes meant for weaker sections.","rbi_paragraph":"Para 26","rbi_char_offset":10200,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p23","layer":"bankpulse"},{"n":18,"claim":"md12968-dc6abd13","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No harassment in recovery","plain_english":"Recovery must not involve harassment, calls at odd hours or muscle power.","rbi_paragraph":"Para 27","rbi_char_offset":10361,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p24","layer":"bankpulse"},{"n":19,"claim":"md12968-a3dc4e1a","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Code on the website","plain_english":"The fair practices code must be placed on the website.","rbi_paragraph":"Para 29","rbi_char_offset":10801,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p25","layer":"bankpulse"},{"n":20,"claim":"md12968-753da7ca","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No interest on penalties","plain_english":"Penal charges cannot be capitalised. No further interest may run on them.","rbi_paragraph":"Para 30(1)","rbi_char_offset":11596,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p26","layer":"bankpulse"},{"n":21,"claim":"md12968-eee63472","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Unpaid interest at normal rate","plain_english":"Interest on unpaid interest runs at the contracted rate, not the penal rate.","rbi_paragraph":"Para 30(1)","rbi_char_offset":11820,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p27","layer":"bankpulse"},{"n":22,"claim":"md12968-45d94999","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Penalty only on the default","plain_english":"Penal charges must be reasonable and charged only on the amount in default.","rbi_paragraph":"Para 30(1)","rbi_char_offset":12496,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p28","layer":"bankpulse"},{"n":23,"claim":"md12968-0c640aa1","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No penalty on a penalty","plain_english":"A fresh penal charge cannot be added on top of penal charges already due.","rbi_paragraph":"Para 30(1)","rbi_char_offset":12801,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p29","layer":"bankpulse"},{"n":24,"claim":"md12968-351bb15d","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No extra interest component","plain_english":"No new component may be added to the rate of interest to work around these rules.","rbi_paragraph":"Para 30(2)","rbi_char_offset":13548,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p30","layer":"bankpulse"},{"n":25,"claim":"md12968-55d1819d","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHO SHOULD ACT","heading":"Board policy on penal charges","plain_english":"The Board must approve a policy on penal charges by whatever name they are called.","rbi_paragraph":"Para 30(3)","rbi_char_offset":13698,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p31","layer":"bankpulse"},{"n":26,"claim":"md12968-f1a6a78f","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Same penalty for all","plain_english":"Within a loan product, penal charges must be the same whoever the borrower is.","rbi_paragraph":"Para 30(4)","rbi_char_offset":14249,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p32","layer":"bankpulse"},{"n":27,"claim":"md12968-2162b990","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Website link is not enough","plain_english":"Pointing to a schedule on the website does not meet the disclosure duty.","rbi_paragraph":"Para 30(6)","rbi_char_offset":15225,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p33","layer":"bankpulse"},{"n":28,"claim":"md12968-f02b30d8","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Reminders state the penalty","plain_english":"A reminder about a breach must state the penal charge that applies.","rbi_paragraph":"Para 30(7)","rbi_char_offset":15484,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p34","layer":"bankpulse"},{"n":29,"claim":"md12968-f33b3010","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"KEY DATES","heading":"Switch at next renewal","plain_english":"Existing loans move to the new penal charge rules at the next review or renewal.","rbi_paragraph":"Para 30(8)","rbi_char_offset":15669,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p35","layer":"bankpulse"},{"n":30,"claim":"md12968-087460b1","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Charge on the amount repaid","plain_english":"On a term loan, any prepayment charge must be based on the amount being repaid.","rbi_paragraph":"Para 31(2)","rbi_char_offset":17022,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p36","layer":"bankpulse"},{"n":31,"claim":"md12968-233a600b","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Overdraft closure capped","plain_english":"On an overdraft, the closure charge cannot exceed the sanctioned limit.","rbi_paragraph":"Para 31(2)","rbi_char_offset":17224,"weight":"DO IT","role":"All staff","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p37","layer":"bankpulse"},{"n":32,"claim":"md12968-09d4318d","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Lender's own call is free","plain_english":"No charge applies where the lender itself asks for the loan to be repaid early.","rbi_paragraph":"Para 31(7)","rbi_char_offset":17597,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p38","layer":"bankpulse"},{"n":33,"claim":"md12968-609e7fbf","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"Disclosed or not charged","plain_english":"A prepayment charge that was not disclosed as required cannot be charged at all.","rbi_paragraph":"Para 31(8)","rbi_char_offset":17811,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p39","layer":"bankpulse"},{"n":34,"claim":"md12968-51aa8a1b","page_group":"Chapter III. Responsible Lending Conduct","stored_section":"WHAT CHANGES","heading":"No reviving waived fees","plain_english":"Fees waived earlier cannot be brought back when the loan is repaid early.","rbi_paragraph":"Para 31(9)","rbi_char_offset":17927,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p40","layer":"bankpulse"},{"n":1,"claim":"md12968-cc468a6c","page_group":"Chapter IV. Miscellaneous Instructions","stored_section":"WHAT CHANGES","heading":"Court order to follow","plain_english":"The lender must take steps to comply with the Supreme Court order of 30 April 2025.","rbi_paragraph":"Para 33","rbi_char_offset":19252,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p41","layer":"bankpulse"},{"n":1,"claim":"md12968-1079c38d","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions preserved","plain_english":"Anything already done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 35","rbi_char_offset":20154,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p42","layer":"bankpulse"},{"n":2,"claim":"md12968-76f8c80d","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Approvals carried over","plain_english":"Approvals given under the cancelled rules are now treated as given under these rules.","rbi_paragraph":"Para 35","rbi_char_offset":20333,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12968#p43","layer":"bankpulse"},{"n":3,"claim":"md12968-ed77acc3","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These Directions add to other laws. They do not replace any of them.","rbi_paragraph":"Para 36","rbi_char_offset":21229,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank follows these Directions and thinks the matter is closed. It is not. Any other laws, rules, regulations or directions in force still apply on top. Where another one asks for more, the bank does the more.","anchor":"https://bankpulse.ai/rule/md12968#p44","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13440","title":"Reserve Bank of India (All India Financial Institutions – Responsible Business Conduct) Amendment Directions, 2026","date":"Apr 29, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13440&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13492","title":"Reserve Bank of India (All India Financial Institutions - Responsible Business Conduct) Second Amendment Directions, 2026","date":"Jun 15, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13492&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13671","title":"Reserve Bank of India (All India Financial Institutions - Responsible Business Conduct) Third Amendment Directions, 2026","date":"Aug 06, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13671&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."}