{"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":"md12972","title":"Reserve Bank of India (All India Financial Institutions – Resolution of Stressed Assets) Directions, 2025 (Updated as on July 1, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12972","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":"md12972","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/md12972.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12972","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:20:22 UTC","text_sha256":"18ab1a3773306b0062f6357e67f752d341e9d2825ff6191728f98f1aca15ba5f","word_count":13940,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":72,"points_naming_an_rbi_paragraph":72,"points_stored":72,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md12972-39c3c0e5","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"Settlement recognised","plain_english":"Settling for less money now counts as a valid way to resolve stress.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":4456,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p1","layer":"bankpulse"},{"n":1,"claim":"md12972-28ec68af","page_group":"Chapter I. 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Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions came into effect on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":6752,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p6","layer":"bankpulse"},{"n":6,"claim":"md12972-d735f6d7","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to every all India financial institution.","rbi_paragraph":"Para 3","rbi_char_offset":6844,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p7","layer":"bankpulse"},{"n":7,"claim":"md12972-bec878ef","page_group":"Chapter I. 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General Requirements","stored_section":"WHO SHOULD ACT","heading":"Add ratios to the list","plain_english":"The list of difficulty signs must be filled out with key ratios and working measures.","rbi_paragraph":"Para 9","rbi_char_offset":16498,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p14","layer":"bankpulse"},{"n":3,"claim":"md12972-7e13a4d2","page_group":"Chapter II. General Requirements","stored_section":"WHO SHOULD ACT","heading":"Approval seniority rule","plain_english":"The officer approving a settlement must rank above whoever sanctioned the loan.","rbi_paragraph":"Para 10(5)","rbi_char_offset":17855,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p15","layer":"bankpulse"},{"n":4,"claim":"md12972-e438c3b4","page_group":"Chapter II. General Requirements","stored_section":"WHO SHOULD ACT","heading":"A policy for derivative dues","plain_english":"A Board policy must allow the crystallised value of a closed derivative to be paid in instalments.","rbi_paragraph":"Para 11","rbi_char_offset":18538,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p16","layer":"bankpulse"},{"n":5,"claim":"md12972-3abdd39b","page_group":"Chapter II. 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General Requirements","stored_section":"WHAT CHANGES","heading":"Show it in the notes","plain_english":"The position must be disclosed in the notes to the accounts.","rbi_paragraph":"Para 18","rbi_char_offset":21066,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p19","layer":"bankpulse"},{"n":8,"claim":"md12972-63640175","page_group":"Chapter II. General Requirements","stored_section":"THE CORE IDEA","heading":"Likely default counts too","plain_english":"A borrower not yet in default counts if default is likely without the concession.","rbi_paragraph":"Para 8(2)","rbi_char_offset":15350,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p20","layer":"bankpulse"},{"n":9,"claim":"md12972-edb655c3","page_group":"Chapter II. General Requirements","stored_section":"WHO SHOULD ACT","heading":"Full Board approval","plain_english":"Settling with a fraud or wilful defaulter account needs the full Board's approval.","rbi_paragraph":"Para 10(5)","rbi_char_offset":18319,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p21","layer":"bankpulse"},{"n":10,"claim":"md12972-5501113e","page_group":"Chapter II. General Requirements","stored_section":"IMPACT","heading":"Penalty for concealment","plain_english":"Hiding a loan's real health can bring RBI fines and stricter provisioning.","rbi_paragraph":"Para 19","rbi_char_offset":21448,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p22","layer":"bankpulse"},{"n":1,"claim":"md12972-48d89658","page_group":"Chapter III. Resolution Process","stored_section":"WHAT CHANGES","heading":"Five hundred crore needs two","plain_english":"An exposure of ₹500 crore or more needs two independent credit checks; others need one.","rbi_paragraph":"Para 31","rbi_char_offset":25686,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p23","layer":"bankpulse"},{"n":2,"claim":"md12972-eb486989","page_group":"Chapter III. Resolution Process","stored_section":"THE CORE IDEA","heading":"Grading does not pause","plain_english":"Re-grading of an asset must not stop just because a plan is being considered.","rbi_paragraph":"Para 35","rbi_char_offset":26756,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p24","layer":"bankpulse"},{"n":3,"claim":"md12972-40536893","page_group":"Chapter III. Resolution Process","stored_section":"WHAT CHANGES","heading":"180-day implementation window","plain_english":"Banks get 180 days from review start to make the plan work.","rbi_paragraph":"Para 36(1)","rbi_char_offset":27097,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p25","layer":"bankpulse"},{"n":4,"claim":"md12972-123dd3a1","page_group":"Chapter III. Resolution Process","stored_section":"WHO IT APPLIES TO","heading":"Below fifteen hundred crore","plain_english":"Chapter IV does not apply to an account with total exposure below ₹1,500 crore.","rbi_paragraph":"Para 40","rbi_char_offset":29034,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p26","layer":"bankpulse"},{"n":5,"claim":"md12972-27cfc18c","page_group":"Chapter III. 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Resolution Process","stored_section":"WHAT CHANGES","heading":"Lender majority rule","plain_english":"Lenders holding 75% of the debt and 60% by number can bind all lenders.","rbi_paragraph":"Para 25(1)","rbi_char_offset":22823,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p37","layer":"bankpulse"},{"n":16,"claim":"md12972-bbc16419","page_group":"Chapter III. Resolution Process","stored_section":"WHAT CHANGES","heading":"Minimum RP4 rating","plain_english":"Only resolution plans rated RP4 or better for the leftover debt can proceed.","rbi_paragraph":"Para 32","rbi_char_offset":25849,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p38","layer":"bankpulse"},{"n":17,"claim":"md12972-beb13a4d","page_group":"Chapter III. Resolution Process","stored_section":"WHAT CHANGES","heading":"Exit means fully paid out","plain_english":"A plan built on exit or recovery counts as done only when the exposure is fully extinguished.","rbi_paragraph":"Para 37","rbi_char_offset":28219,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p39","layer":"bankpulse"},{"n":18,"claim":"md12972-2cbbeedc","page_group":"Chapter III. Resolution Process","stored_section":"THE CORE IDEA","heading":"Any change is restructuring","plain_english":"Changing any term of a derivative contract counts as restructuring.","rbi_paragraph":"Para 41(1)","rbi_char_offset":29254,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p40","layer":"bankpulse"},{"n":1,"claim":"md12972-22a89203","page_group":"Chapter IV. 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Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Twenty-six per cent needed","plain_english":"The new promoter must hold at least 26 per cent and be the single largest shareholder.","rbi_paragraph":"Para 73(3)","rbi_char_offset":42116,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p46","layer":"bankpulse"},{"n":5,"claim":"md12972-857b2f14","page_group":"Chapter V. 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Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"And must be in control","plain_english":"The new promoter must also be in control as the company and securities law define it.","rbi_paragraph":"Para 73(4)","rbi_char_offset":42304,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p50","layer":"bankpulse"},{"n":9,"claim":"md12972-e62f0240","page_group":"Chapter V. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Downgrade on restructuring","plain_english":"A healthy loan is downgraded the moment it gets restructured.","rbi_paragraph":"Para 49","rbi_char_offset":33225,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p51","layer":"bankpulse"},{"n":10,"claim":"md12972-4cef96a8","page_group":"Chapter V. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"New money follows the account","plain_english":"New finance takes the account's grade if it fails during the watch period.","rbi_paragraph":"Para 53","rbi_char_offset":34413,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p52","layer":"bankpulse"},{"n":11,"claim":"md12972-8c6246a3","page_group":"Chapter V. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Freeze ends on rejection","plain_english":"The freeze on provisions ends at once if the plan is rejected.","rbi_paragraph":"Para 69","rbi_char_offset":40330,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p53","layer":"bankpulse"},{"n":12,"claim":"md12972-f73e20a2","page_group":"Chapter V. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Cash basis for bad accounts","plain_english":"Interest on a restructured standard account is taken on accrual, on a bad one only in cash.","rbi_paragraph":"Para 70","rbi_char_offset":40782,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p54","layer":"bankpulse"},{"n":13,"claim":"md12972-f4761b2b","page_group":"Chapter V. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Failure restarts the clock","plain_english":"If the account fails during the watch period, a fresh review period begins.","rbi_paragraph":"Para 75","rbi_char_offset":42972,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p55","layer":"bankpulse"},{"n":1,"claim":"md12972-4d243cf3","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Fraud accounts barred","plain_english":"All India financial institutions cannot restructure loans linked to fraud or wilful default.","rbi_paragraph":"Para 80","rbi_char_offset":45200,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p56","layer":"bankpulse"},{"n":2,"claim":"md12972-2cadb16f","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Settlement is not a right","plain_english":"A borrower cannot demand a compromise settlement; it is the lender's judgement.","rbi_paragraph":"Para 84","rbi_char_offset":46469,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p57","layer":"bankpulse"},{"n":3,"claim":"md12972-6c9ef0e5","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Three months makes restructuring","plain_english":"A settlement paid over more than three months counts as restructuring.","rbi_paragraph":"Para 86","rbi_char_offset":47267,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p58","layer":"bankpulse"},{"n":4,"claim":"md12972-ceb1ef58","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"12-month lending gap","plain_english":"All India financial institutions must wait at least 12 months before lending again after a settlement.","rbi_paragraph":"Para 92","rbi_char_offset":49596,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":["agriculture-loan"],"bankpulse_example":"Suppose a settlement is agreed in March. The bank may not lend to that borrower again for at least 12 months. Its own board policy may set a longer wait, but never a shorter one. This does not cover farm credit.","anchor":"https://bankpulse.ai/rule/md12972#p59","layer":"bankpulse"},{"n":5,"claim":"md12972-7b16d018","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Lok Adalat route","plain_english":"Disputes up to 20 lakh rupees can go to civil court Lok Adalats.","rbi_paragraph":"Para 98(1)","rbi_char_offset":53874,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p60","layer":"bankpulse"},{"n":6,"claim":"md12972-a1aac040","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Most recovery, least cost","plain_english":"A compromise settlement must aim at the most recovery at the least cost.","rbi_paragraph":"Para 83","rbi_char_offset":46328,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p61","layer":"bankpulse"},{"n":7,"claim":"md12972-e1a27769","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"KEY DATES","heading":"Report upward each quarter","plain_english":"Settlements and write-offs must be reported to the next higher authority each quarter.","rbi_paragraph":"Para 90","rbi_char_offset":48510,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p62","layer":"bankpulse"},{"n":8,"claim":"md12972-7d7967f2","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHO SHOULD ACT","heading":"Top approvals to Board","plain_english":"Compromise settlements and write-offs approved by the chief executive or a Board committee must be reported to the Board.","rbi_paragraph":"Para 90","rbi_char_offset":48726,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p63","layer":"bankpulse"},{"n":9,"claim":"md12972-0d761188","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"KEY DATES","heading":"A cooling period after settlement","plain_english":"A cooling period set by the Board policy must pass before fresh exposure to that borrower.","rbi_paragraph":"Para 92","rbi_char_offset":49428,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p64","layer":"bankpulse"},{"n":10,"claim":"md12972-3b8a3dcd","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Part settlement is restructuring","plain_english":"Any part settlement with the borrower also counts as restructuring.","rbi_paragraph":"Para 87","rbi_char_offset":47353,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p65","layer":"bankpulse"},{"n":11,"claim":"md12972-441f2933","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"The right to recover stays","plain_english":"A technical write-off does not weaken the right to recover from the borrower.","rbi_paragraph":"Para 88","rbi_char_offset":47777,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p66","layer":"bankpulse"},{"n":12,"claim":"md12972-2b773080","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Measure against the original","plain_english":"After a part write-off, provisions and grading still work off the original exposure.","rbi_paragraph":"Para 89","rbi_char_offset":48218,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p67","layer":"bankpulse"},{"n":13,"claim":"md12972-f8d999c4","page_group":"Chapter VI. Special Cases of Restructuring","stored_section":"WHO SHOULD ACT","heading":"Board sets the farm gap","plain_english":"The cooling period for farm credit is set by the lender's own Board policy.","rbi_paragraph":"Para 92","rbi_char_offset":49838,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p68","layer":"bankpulse"},{"n":1,"claim":"md12972-188e101a","page_group":"Chapter XI. Repeal and Other Provisions","stored_section":"KEY DATES","heading":"Latest update","plain_english":"The version in force today was updated on July 1, 2026.","rbi_paragraph":"Para 161","rbi_char_offset":89706,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p69","layer":"bankpulse"},{"n":2,"claim":"md12972-7ef1d0ca","page_group":"Chapter XI. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules repealed","plain_english":"This document repeals all earlier stressed-asset rules for commercial banks.","rbi_paragraph":"Para 158","rbi_char_offset":87516,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p70","layer":"bankpulse"},{"n":3,"claim":"md12972-30fee77a","page_group":"Chapter XI. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old cases continue","plain_english":"Action already taken under the old rules stays governed by them.","rbi_paragraph":"Para 159","rbi_char_offset":87988,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p71","layer":"bankpulse"},{"n":4,"claim":"md12972-b0bc422a","page_group":"Chapter XI. Repeal and Other Provisions","stored_section":"WHO IT APPLIES TO","heading":"Relation to other laws","plain_english":"These Directions add to other laws; they do not cancel any of them.","rbi_paragraph":"Para 160","rbi_char_offset":89029,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12972#p72","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13437","title":"Reserve Bank of India (All India Financial Institutions– Resolution of Stressed Assets) Amendment Directions, 2026","date":"Apr 29, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13437&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13568","title":"Reserve Bank of India (All India Financial Institutions – Resolution of Stressed Assets) Second Amendment Directions, 2026","date":"Jul 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13568&Mode=0","order":2,"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."}