{"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":"md12986","title":"Reserve Bank of India (Rural Co-operative Banks – Managing Risks in Outsourcing) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12986","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":"Rural co-operative banks","class_code":"RURAL_COOP","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md12986","mode":"four_dates_v1","published":{"label":"Published","value":"November 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/md12986.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12986","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:19:28 UTC","text_sha256":"e67d2645e8aa3b58d6589dc36f0fd455b8494d4a202bfb96906998a389b9a4c9","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":42,"points_naming_an_rbi_paragraph":42,"points_stored":42,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md12986-ed570262","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Outsourcing rules for RCBs","plain_english":"This document sets the outsourcing rules for rural co-operative banks.","rbi_paragraph":"Para 1","rbi_char_offset":3459,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p1","layer":"bankpulse"},{"n":2,"claim":"md12986-1840df20","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions came into effect on the day the Reserve Bank issued them.","rbi_paragraph":"Para 2","rbi_char_offset":3609,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p2","layer":"bankpulse"},{"n":3,"claim":"md12986-15a03578","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to every rural co-operative bank.","rbi_paragraph":"Para 3","rbi_char_offset":3684,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p3","layer":"bankpulse"},{"n":4,"claim":"md12986-1fe232ac","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Services excluded","plain_english":"Courier, catering, housekeeping, security, and the moving and storing of records are not covered.","rbi_paragraph":"Para 5","rbi_char_offset":4454,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p4","layer":"bankpulse"},{"n":1,"claim":"md12986-f91c6419","page_group":"Chapter II. Role of the Board","stored_section":"THE CORE IDEA","heading":"Responsibility stays with RCB","plain_english":"An RCB cannot outsource its duty. The RCB and its Board stay fully responsible for every outsourced task.","rbi_paragraph":"Para 8","rbi_char_offset":6386,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p5","layer":"bankpulse"},{"n":2,"claim":"md12986-9bd74245","page_group":"Chapter II. Role of the Board","stored_section":"WHAT CHANGES","heading":"Board review cycle","plain_english":"The Board must review all major outsourcing deals every six months.","rbi_paragraph":"Para 10","rbi_char_offset":8072,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p6","layer":"bankpulse"},{"n":1,"claim":"md12986-9225c776","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Director-owned vendors barred","plain_english":"A service provider cannot be owned or controlled by the bank's own director, officer or their relatives.","rbi_paragraph":"Para 14","rbi_char_offset":11322,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p7","layer":"bankpulse"},{"n":2,"claim":"md12986-8388cef3","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"THE CORE IDEA","heading":"Contract risk named","plain_english":"There is a risk that the deal with the provider cannot be enforced.","rbi_paragraph":"Para 18","rbi_char_offset":14865,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p8","layer":"bankpulse"},{"n":3,"claim":"md12986-dc39e37b","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"No mixing of records","plain_english":"Where a provider serves many firms, records must not be mixed.","rbi_paragraph":"Para 22","rbi_char_offset":15922,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p9","layer":"bankpulse"},{"n":4,"claim":"md12986-e80cad36","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Answer within thirty days","plain_english":"A complaint must be answered within 30 days at the most, and the procedure must sit on the website.","rbi_paragraph":"Para 47","rbi_char_offset":29693,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p10","layer":"bankpulse"},{"n":5,"claim":"md12986-3f06dbec","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"THE CORE IDEA","heading":"Control stays at home","plain_english":"The lender must keep full control of the work it gives out.","rbi_paragraph":"Para 13","rbi_char_offset":10229,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p11","layer":"bankpulse"},{"n":6,"claim":"md12986-ca199233","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Nine risks to weigh","plain_english":"Nine named risks must be weighed before work is given out.","rbi_paragraph":"Para 18","rbi_char_offset":13338,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p12","layer":"bankpulse"},{"n":7,"claim":"md12986-a24b90e9","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Guard the customer data","plain_english":"Customer data held by the provider must be kept safe.","rbi_paragraph":"Para 19","rbi_char_offset":15253,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p13","layer":"bankpulse"},{"n":8,"claim":"md12986-07b1ff76","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Watch their security","plain_english":"The lender must check the provider's safety steps often, and note any breach.","rbi_paragraph":"Para 21","rbi_char_offset":15585,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank hires an outside firm to host its records. Signing the contract is not the end of it. The bank must review and monitor that provider's security practices and control processes on a regular basis.","anchor":"https://bankpulse.ai/rule/md12986#p14","layer":"bankpulse"},{"n":9,"claim":"md12986-e0139a74","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Keep our records separable","plain_english":"The provider must be able to pick out our records and assets.","rbi_paragraph":"Para 23","rbi_char_offset":16052,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p15","layer":"bankpulse"},{"n":10,"claim":"md12986-917f0563","page_group":"Chapter III. 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Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Say what the relationship is","plain_english":"The deal must say whether the tie is agent and principal, or not.","rbi_paragraph":"Para 29","rbi_char_offset":19006,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p22","layer":"bankpulse"},{"n":17,"claim":"md12986-4eea4e92","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"A structure to watch it","plain_english":"There must be a team in place to watch and steer the work given out.","rbi_paragraph":"Para 31","rbi_char_offset":21670,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p23","layer":"bankpulse"},{"n":18,"claim":"md12986-b6f33016","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"KEY DATES","heading":"A yearly financial review","plain_english":"The provider's money and work health must be checked at least once a year.","rbi_paragraph":"Para 34","rbi_char_offset":22451,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p24","layer":"bankpulse"},{"n":19,"claim":"md12986-62c18f4b","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Report any slippage","plain_english":"The review must bring out any drop in service, secrecy or safety.","rbi_paragraph":"Para 34","rbi_char_offset":22734,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p25","layer":"bankpulse"},{"n":20,"claim":"md12986-4af7a6b6","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Reconcile in time","plain_english":"Deals with the provider and its helpers must be matched up on time.","rbi_paragraph":"Para 35","rbi_char_offset":23060,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p26","layer":"bankpulse"},{"n":21,"claim":"md12986-24dd5b73","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Continuity must be tested","plain_english":"The provider must write down, keep and test its plans to keep work going.","rbi_paragraph":"Para 36","rbi_char_offset":23477,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p27","layer":"bankpulse"},{"n":22,"claim":"md12986-6e8b8e66","page_group":"Chapter III. 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Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Watch the host country","plain_english":"Where a provider is abroad, its country's rule and politics must be watched.","rbi_paragraph":"Para 42","rbi_char_offset":25769,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p30","layer":"bankpulse"},{"n":25,"claim":"md12986-af4b7f59","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Tell the customer","plain_english":"Where a customer must deal with a provider, the leaflet must say so.","rbi_paragraph":"Para 45","rbi_char_offset":28032,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p31","layer":"bankpulse"},{"n":26,"claim":"md12986-5bf1b3df","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHO SHOULD ACT","heading":"Grievances without delay","plain_english":"The named officer must see that real customer complaints are put right fast.","rbi_paragraph":"Para 47","rbi_char_offset":29397,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p32","layer":"bankpulse"},{"n":27,"claim":"md12986-e1f28240","page_group":"Chapter III. 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Outsourcing of Financial Services","stored_section":"THE CORE IDEA","heading":"Duties do not move out","plain_english":"Giving work out does not cut what the lender owes its customers or RBI.","rbi_paragraph":"Para 13","rbi_char_offset":9740,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p34","layer":"bankpulse"},{"n":29,"claim":"md12986-54d538c1","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"THE CORE IDEA","heading":"Compliance risk named","plain_english":"There is a risk that giving work out breaks privacy or other law.","rbi_paragraph":"Para 18","rbi_char_offset":13833,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p35","layer":"bankpulse"},{"n":30,"claim":"md12986-c328d2b4","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Need to know only","plain_english":"A provider's staff may see customer data only where the job needs it.","rbi_paragraph":"Para 20","rbi_char_offset":15439,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p36","layer":"bankpulse"},{"n":31,"claim":"md12986-4004dcc5","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Half-yearly record review","plain_english":"Outsourcing records go for half-yearly review by the Board too.","rbi_paragraph":"Para 32","rbi_char_offset":22067,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p37","layer":"bankpulse"},{"n":32,"claim":"md12986-cc304a71","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"WHAT CHANGES","heading":"Only confidential jurisdictions","plain_english":"Work may go abroad only to a country that upholds secrecy terms.","rbi_paragraph":"Para 41","rbi_char_offset":25620,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p38","layer":"bankpulse"},{"n":33,"claim":"md12986-b6872029","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"THE CORE IDEA","heading":"The stricter rule wins","plain_english":"Where these rules and the host country's differ, the stricter one wins.","rbi_paragraph":"Para 43","rbi_char_offset":27518,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p39","layer":"bankpulse"},{"n":34,"claim":"md12986-72bcff38","page_group":"Chapter III. Outsourcing of Financial Services","stored_section":"IMPACT","heading":"Complaint responsibility","plain_english":"The bank alone is responsible for fixing complaints about outsourced services.","rbi_paragraph":"Para 46","rbi_char_offset":28439,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p40","layer":"bankpulse"},{"n":1,"claim":"md12986-52d2e90c","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels all older outsourcing rules for commercial banks.","rbi_paragraph":"Para 48","rbi_char_offset":30272,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p41","layer":"bankpulse"},{"n":2,"claim":"md12986-30fee77a","page_group":"Chapter IV. 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 48","rbi_char_offset":30666,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12986#p42","layer":"bankpulse"}],"actions":[],"amendments":[],"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. 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