{"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":"md12983","title":"Reserve Bank of India (All India Financial Institutions - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on June 16, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12983","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":"md12983","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/md12983.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12983","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:20:41 UTC","text_sha256":"874fececc30bf86b9b9015b55ce87383f2fd88785ae79963cf55b2bd10708c7c","word_count":97976,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":95,"points_naming_an_rbi_paragraph":95,"points_stored":95,"actions":0,"amendments":4},"points":[{"n":1,"claim":"md12983-0e747d72","page_group":"Chapter I. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Non-bank minority left out","plain_english":"Minority interest in a non-bank subsidiary is left out of the group's capital.","rbi_paragraph":"Para 23(1)","rbi_char_offset":118694,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p50","layer":"bankpulse"},{"n":41,"claim":"md12983-74ae1847","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Non-bank minority interest","plain_english":"Minority interest in subsidiaries that are not banks does not count as group capital.","rbi_paragraph":"Para 23(1)","rbi_char_offset":118712,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p51","layer":"bankpulse"},{"n":42,"claim":"md12983-e8d13668","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Goodwill deducted","plain_english":"Goodwill paid on buying a stake in an associate is deducted from core capital.","rbi_paragraph":"Para 24(1)","rbi_char_offset":128609,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p52","layer":"bankpulse"},{"n":43,"claim":"md12983-a6a8ce4d","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Losses are removed","plain_english":"Losses of this period and earlier periods are deducted from core capital.","rbi_paragraph":"Para 24(1)","rbi_char_offset":129145,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p53","layer":"bankpulse"},{"n":44,"claim":"md12983-7bbf1f73","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Loss-linked tax assets","plain_english":"Deferred tax assets linked to past losses are deducted in full from core capital.","rbi_paragraph":"Para 24(2)","rbi_char_offset":129629,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p54","layer":"bankpulse"},{"n":45,"claim":"md12983-d48db1d5","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Excess deferred tax stays out","plain_english":"A deferred tax liability above the asset is neither adjusted nor added back.","rbi_paragraph":"Para 24(7)","rbi_char_offset":131621,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p55","layer":"bankpulse"},{"n":46,"claim":"md12983-69733987","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Cross holdings deducted","plain_english":"Capital that two institutions hold in each other is deducted in full.","rbi_paragraph":"Para 24(7)","rbi_char_offset":141288,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p56","layer":"bankpulse"},{"n":47,"claim":"md12983-4de77729","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Poor ratings weigh more","plain_english":"Where ratings differ, the one carrying the higher risk weight is applied.","rbi_paragraph":"Para 24(7)","rbi_char_offset":146819,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p57","layer":"bankpulse"},{"n":48,"claim":"md12983-88d39880","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Bank-backed returns not capital","plain_english":"Capital whose investor returns the all India financial institution has guaranteed does not count as capital.","rbi_paragraph":"Para 24","rbi_char_offset":157851,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p58","layer":"bankpulse"},{"n":49,"claim":"md12983-f9e3b05e","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Fund units are deducted","plain_english":"A holding in subordinated units of an alternative investment fund is deducted in full.","rbi_paragraph":"Para 24","rbi_char_offset":158822,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A lender puts ₹10 crore into such a fund, as subordinated units. The whole ₹10 crore comes off capital funds. It is taken proportionately from Tier 1 and Tier 2 capital.","anchor":"https://bankpulse.ai/rule/md12983#p59","layer":"bankpulse"},{"n":50,"claim":"md12983-f427d1f1","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Guarantee money is deducted","plain_english":"A default loss guarantee given by the lender is taken out of its capital.","rbi_paragraph":"Para 24","rbi_char_offset":159310,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A lender gives a default loss guarantee and ₹20 crore of it is still outstanding. The whole ₹20 crore comes off its capital. Nothing is left in on the ground that no loss has happened yet.","anchor":"https://bankpulse.ai/rule/md12983#p60","layer":"bankpulse"},{"n":1,"claim":"md12983-448eb69a","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"State guarantee at twenty","plain_english":"A claim guaranteed by a State Government carries a 20 per cent risk weight.","rbi_paragraph":"Para 28","rbi_char_offset":160770,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p61","layer":"bankpulse"},{"n":2,"claim":"md12983-b0cd39f0","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Charge has a ceiling","plain_english":"The capital charge cannot exceed what the exposure would cost if it had no guarantee.","rbi_paragraph":"Para 29","rbi_char_offset":162543,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p62","layer":"bankpulse"},{"n":3,"claim":"md12983-4f273af0","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Core investment companies","plain_english":"An exposure to a core investment company carries a 100 per cent risk weight.","rbi_paragraph":"Para 42","rbi_char_offset":175470,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p63","layer":"bankpulse"},{"n":4,"claim":"md12983-4f296383","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Rating lost above ₹100 crore","plain_english":"A claim above ₹100 crore that loses its rating also carries 150 per cent.","rbi_paragraph":"Para 42","rbi_char_offset":177229,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p64","layer":"bankpulse"},{"n":5,"claim":"md12983-1aea69e2","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Retail portfolio at 75","plain_english":"A claim inside the regulatory retail portfolio carries a 75 per cent risk weight.","rbi_paragraph":"Para 45","rbi_char_offset":179322,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p65","layer":"bankpulse"},{"n":6,"claim":"md12983-34bf6af7","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Small business defined","plain_english":"A small business here is one with average yearly turnover below ₹50 crore.","rbi_paragraph":"Para 47","rbi_char_offset":180708,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p66","layer":"bankpulse"},{"n":7,"claim":"md12983-0202a31e","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Retail cap per borrower","plain_english":"Total retail exposure to one borrower cannot cross ₹7.5 crore.","rbi_paragraph":"Para 47","rbi_char_offset":182397,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p67","layer":"bankpulse"},{"n":8,"claim":"md12983-224269d6","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Residential projects at 75","plain_english":"A commercial property loan for residential housing carries a 75 per cent weight.","rbi_paragraph":"Para 54","rbi_char_offset":186463,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p68","layer":"bankpulse"},{"n":9,"claim":"md12983-b911bc31","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other property at 100","plain_english":"Other commercial property lending carries a 100 per cent risk weight.","rbi_paragraph":"Para 54","rbi_char_offset":186558,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p69","layer":"bankpulse"},{"n":10,"claim":"md12983-e8890c62","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Half provided, half weight","plain_english":"If provisions reach 50 per cent or more, the weight falls to 50 per cent.","rbi_paragraph":"Para 61","rbi_char_offset":189504,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p70","layer":"bankpulse"},{"n":11,"claim":"md12983-b77a2ce2","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Capital market exposure","plain_english":"A capital market exposure carries a 125 per cent risk weight, or higher if rated worse.","rbi_paragraph":"Para 65","rbi_char_offset":190808,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["advance-against-securities"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p71","layer":"bankpulse"},{"n":12,"claim":"md12983-f8acf512","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Finance company equity","plain_english":"Equity in a non-banking finance company that is not deducted carries 250 per cent.","rbi_paragraph":"Para 66(7)","rbi_char_offset":191775,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p72","layer":"bankpulse"},{"n":13,"claim":"md12983-cca228cc","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Everything else at 100","plain_english":"All other assets carry a uniform risk weight of 100 per cent.","rbi_paragraph":"Para 73","rbi_char_offset":194830,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p73","layer":"bankpulse"},{"n":14,"claim":"md12983-b79228db","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Enhancement charge capped","plain_english":"The capital on a credit enhancement cannot exceed the enhancement itself.","rbi_paragraph":"Para 76(7)","rbi_char_offset":206885,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p74","layer":"bankpulse"},{"n":15,"claim":"md12983-3cd1d70d","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Qualifying clearing house","plain_english":"Collateral counted as a trade exposure with a qualifying clearing house carries 2 per cent.","rbi_paragraph":"Para 79","rbi_char_offset":234998,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p75","layer":"bankpulse"},{"n":16,"claim":"md12983-4704c6a5","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Weak clearing house","plain_english":"A default fund contribution to a non-qualifying clearing house carries 1,250 per cent.","rbi_paragraph":"Para 79(7)","rbi_char_offset":239643,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p76","layer":"bankpulse"},{"n":17,"claim":"md12983-91e4d3f8","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Walkaway deals not netted","plain_english":"A contract with a walkaway clause cannot be netted when capital is worked out.","rbi_paragraph":"Para 79(2)","rbi_char_offset":247318,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p77","layer":"bankpulse"},{"n":18,"claim":"md12983-aa54b3a6","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Originator cannot buy back","plain_english":"The originator cannot repurchase transferred exposures except through a clean up call.","rbi_paragraph":"Para 88(2)","rbi_char_offset":253904,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p78","layer":"bankpulse"},{"n":19,"claim":"md12983-e162fc0f","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Clean up call is optional","plain_english":"A clean up call can never be made compulsory on the originator.","rbi_paragraph":"Para 88(6)","rbi_char_offset":254958,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p79","layer":"bankpulse"},{"n":20,"claim":"md12983-3e38c357","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"No hidden support","plain_english":"A clean up call cannot be built so as to give hidden credit support.","rbi_paragraph":"Para 88(7)","rbi_char_offset":255121,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p80","layer":"bankpulse"},{"n":21,"claim":"md12983-cf027b3d","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Clean-up call limit","plain_english":"A clean-up call cannot become exercisable above 10 per cent of the original pool.","rbi_paragraph":"Para 88(8)","rbi_char_offset":255579,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Suppose the pool started at ₹500 crore. A clean-up call may become exercisable once the pool falls to 10 per cent of that. That is ₹50 crore. It may not be set to trigger while ₹80 crore is still outstanding.","anchor":"https://bankpulse.ai/rule/md12983#p81","layer":"bankpulse"},{"n":22,"claim":"md12983-dd4fd1d4","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Full capital below grade","plain_english":"If the bond's rating falls below investment grade, full capital must be held.","rbi_paragraph":"Para 76(7)","rbi_char_offset":206624,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p82","layer":"bankpulse"},{"n":23,"claim":"md12983-12d4702b","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"State securities at zero","plain_english":"An investment in State Government securities carries a zero risk weight.","rbi_paragraph":"Para 28","rbi_char_offset":160690,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p83","layer":"bankpulse"},{"n":24,"claim":"md12983-63413aaa","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"RBI treated as government","plain_english":"Claims on RBI and on the deposit insurance body carry the Central Government weight.","rbi_paragraph":"Para 29","rbi_char_offset":160908,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p84","layer":"bankpulse"},{"n":25,"claim":"md12983-5ada5c06","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Third house is commercial","plain_english":"A loan for a person's third home onwards is treated as commercial property.","rbi_paragraph":"Para 49","rbi_char_offset":185360,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p85","layer":"bankpulse"},{"n":26,"claim":"md12983-df4daba2","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other housing claims","plain_english":"Any other claim on housing takes the higher weight of the borrower or the purpose.","rbi_paragraph":"Para 50","rbi_char_offset":185496,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p86","layer":"bankpulse"},{"n":27,"claim":"md12983-808d0daa","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Some swaps are exempt","plain_english":"No future exposure is worked out on single currency floating to floating swaps.","rbi_paragraph":"Para 77(3)","rbi_char_offset":212442,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p87","layer":"bankpulse"},{"n":28,"claim":"md12983-9aecdd58","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Repurchase stays retained","plain_english":"A securitisation exposure bought back is treated as retained, not fresh.","rbi_paragraph":"Para 80","rbi_char_offset":248270,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p88","layer":"bankpulse"},{"n":29,"claim":"md12983-1fb8cc26","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"KEY DATES","heading":"Yearly rating review","plain_english":"RBI reviews the mapping of rating grades to risk weights every year.","rbi_paragraph":"Para 142","rbi_char_offset":320487,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p89","layer":"bankpulse"},{"n":1,"claim":"md12983-c60921ab","page_group":"Chapter V. Supervisory review and evaluation process (SREP) and market discipline","stored_section":"WHO SHOULD ACT","heading":"Assessment at every level","plain_english":"That assessment is prepared for each entity in the group and for the group itself.","rbi_paragraph":"Para 223(2)","rbi_char_offset":452526,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p90","layer":"bankpulse"},{"n":1,"claim":"md12983-62658d01","page_group":"Chapter VI. Leverage ratio framework","stored_section":"KEY DATES","heading":"Quarterly leverage disclosure","plain_english":"The leverage ratio and the figures behind it are disclosed at each quarter end.","rbi_paragraph":"Para 245","rbi_char_offset":572446,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p91","layer":"bankpulse"},{"n":1,"claim":"md12983-1b732d95","page_group":"Chapter VII. Repeal and Other provisions","stored_section":"WHAT IT REPLACES","heading":"Old rules stay repealed","plain_english":"Rules repealed before this document was issued remain repealed.","rbi_paragraph":"Para 255","rbi_char_offset":607203,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p92","layer":"bankpulse"},{"n":2,"claim":"md12983-540a91a0","page_group":"Chapter VII. 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 256","rbi_char_offset":607319,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p93","layer":"bankpulse"},{"n":3,"claim":"md12983-e24ddaf7","page_group":"Chapter VII. 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 256","rbi_char_offset":607501,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12983#p94","layer":"bankpulse"},{"n":4,"claim":"md12983-b6c42903","page_group":"Chapter VII. 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 257","rbi_char_offset":608393,"weight":"BACKGROUND","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/md12983#p95","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13267","title":"Reserve Bank of India (All India Financial Institutions (AIFIs) - Prudential Norms on Capital Adequacy) Amendment Directions, 2026","date":"Jan 09, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13267&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13331","title":"Reserve Bank of India (All India Financial Institutions (AIFIs) - Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026","date":"Mar 10, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13331&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13504","title":"Reserve Bank of India (All India Financial Institutions – Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026","date":"Jun 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13504&Mode=0","order":3,"layer":"rbi_source"},{"id":"nt13538","title":"Reserve Bank of India (All India Financial Institutions (AIFIs) – Prudential Norms on Capital Adequacy) Fourth Amendment Directions, 2026","date":"Jun 24, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13538&Mode=0","order":4,"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."}