{"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":"md12989","title":"Reserve Bank of India (Rural Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12989","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":"md12989","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/md12989.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12989","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:19:32 UTC","text_sha256":"8113605588b09dee9a497556f35df46d19136c20b81bd96ada3d4ed47d4fa20d","word_count":1281,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":33,"points_naming_an_rbi_paragraph":33,"points_stored":33,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md12989-39d86d0b","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"Where the power comes from","plain_english":"RBI issues these rules under the Banking Regulation Act.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":2343,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12989#p1","layer":"bankpulse"},{"n":2,"claim":"md12989-50ff31c3","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"Why RBI issued them","plain_english":"RBI states it is satisfied these rules are needed in the public interest.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":2559,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"RBI does not have to explain each rule one by one. It states that it is satisfied the rules are necessary and expedient in the public interest. That statement is the legal footing for everything that follows.","anchor":"https://bankpulse.ai/rule/md12989#p2","layer":"bankpulse"},{"n":1,"claim":"md12989-432deca2","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"The name of these rules","plain_english":"The rules are called the Prudential Norms on Declaration of Dividends Directions, 2025.","rbi_paragraph":"Para 1","rbi_char_offset":2728,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12989#p3","layer":"bankpulse"},{"n":2,"claim":"md12989-0e747d72","page_group":"Chapter I. 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The repeal does not take away any right, obligation or liability already acquired or incurred. What was owed before is still owed.","anchor":"https://bankpulse.ai/rule/md12989#p28","layer":"bankpulse"},{"n":6,"claim":"md12989-b87cbd6f","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Penalties are not lost","plain_english":"A penalty or forfeiture already incurred survives the repeal.","rbi_paragraph":"Para 10","rbi_char_offset":6589,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12989#p29","layer":"bankpulse"},{"n":7,"claim":"md12989-a3898407","page_group":"Chapter III. 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