{"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":"md12998","title":"Reserve Bank of India (Rural Co-operative Banks – Concentration Risk Management) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md12998","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":"md12998","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/md12998.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12998","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:19:48 UTC","text_sha256":"83e9946a39d3e7b86915dbc812c649c7e392f59cc46c90ceb1ed4af83c8fae28","word_count":2957,"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":"md12998-9db77ee8","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Starts at once","plain_english":"The rules start the moment RBI issues them.","rbi_paragraph":"Para 2","rbi_char_offset":3061,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p1","layer":"bankpulse"},{"n":2,"claim":"md12998-11d66cf0","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who must follow this","plain_english":"These rules apply to every rural co-operative bank.","rbi_paragraph":"Para 3","rbi_char_offset":3148,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p2","layer":"bankpulse"},{"n":3,"claim":"md12998-bc332953","page_group":"Chapter I. Preliminary","stored_section":"IMPACT","heading":"Breaking the rules is punished","plain_english":"Not following these rules brings supervisory and enforcement action.","rbi_paragraph":"Para 4","rbi_char_offset":3524,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p3","layer":"bankpulse"},{"n":4,"claim":"md12998-0f1064ff","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What capital fund means","plain_english":"Capital fund is paid up capital plus free reserves.","rbi_paragraph":"Para 5(1)","rbi_char_offset":3851,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p4","layer":"bankpulse"},{"n":5,"claim":"md12998-a2d39f53","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Revaluation gains are out","plain_english":"Reserves made by revaluing buildings and land do not count.","rbi_paragraph":"Para 5(1)","rbi_char_offset":3901,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p5","layer":"bankpulse"},{"n":6,"claim":"md12998-df2945f6","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Refinanced money counts too","plain_english":"Money lent from refinance taken from a higher agency counts the same.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4393,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p6","layer":"bankpulse"},{"n":7,"claim":"md12998-c25bb716","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Cash credit takes the higher","plain_english":"For a cash credit the bank counts the higher of the limit and the amount owed.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4630,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p7","layer":"bankpulse"},{"n":8,"claim":"md12998-561edfb8","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Term loan counts the balance","plain_english":"For a term loan the bank counts only the amount still owed.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4774,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p8","layer":"bankpulse"},{"n":9,"claim":"md12998-5600f093","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"A guarantee counts at half","plain_english":"Only 50 per cent of a guarantee or letter of credit is counted.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4873,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["trade-finance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p9","layer":"bankpulse"},{"n":10,"claim":"md12998-1b6cad84","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Firms count as individuals","plain_english":"A partner, a sole proprietor and a partnership firm all count as individuals.","rbi_paragraph":"Para 5(4)","rbi_char_offset":5051,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p10","layer":"bankpulse"},{"n":11,"claim":"md12998-c4031110","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What lendable resources means","plain_english":"Lendable resources take out the liquid assets the bank must hold, at 35 per cent of its deposits.","rbi_paragraph":"Para 5(6)","rbi_char_offset":5499,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p11","layer":"bankpulse"},{"n":12,"claim":"md12998-d0529741","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Which banks those are","plain_english":"They are the State co-operative banks and the central co-operative banks.","rbi_paragraph":"Para 3","rbi_char_offset":3306,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p12","layer":"bankpulse"},{"n":1,"claim":"md12998-7658fce9","page_group":"Chapter II. Exposure Norms","stored_section":"WHO IT APPLIES TO","heading":"Same for both kinds","plain_english":"The limits are the same for a State bank and a central bank.","rbi_paragraph":"Para 8","rbi_char_offset":6305,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p13","layer":"bankpulse"},{"n":2,"claim":"md12998-053e8d24","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Credit societies are outside","plain_english":"Lending to a village credit society sits outside these limits.","rbi_paragraph":"Para 9(1)","rbi_char_offset":6572,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p14","layer":"bankpulse"},{"n":3,"claim":"md12998-c31754cd","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Farm lending is outside","plain_english":"Loans for agriculture and allied purposes sit outside these limits.","rbi_paragraph":"Para 9(2)","rbi_char_offset":6685,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p15","layer":"bankpulse"},{"n":4,"claim":"md12998-dee053d2","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Weavers are outside","plain_english":"Finance to a handloom or powerloom weaver for weaving sits outside these limits.","rbi_paragraph":"Para 9(3)","rbi_char_offset":6736,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p16","layer":"bankpulse"},{"n":5,"claim":"md12998-8117010e","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"NABARD may allow more","plain_english":"In a special case NABARD may let the bank lend beyond these limits.","rbi_paragraph":"Para 9(5)","rbi_char_offset":7519,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p17","layer":"bankpulse"},{"n":6,"claim":"md12998-7df32896","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Shares in processing societies","plain_english":"The bank may still lend a member to buy shares in a co-operative processing society.","rbi_paragraph":"Para 10","rbi_char_offset":7730,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p18","layer":"bankpulse"},{"n":7,"claim":"md12998-f66ff718","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"The rating sets the ceiling","plain_english":"The ceiling for one person moves with the inspection rating. A bank rated A may lend 60 lakh, a bank rated D only 25 lakh.","rbi_paragraph":"Para 11","rbi_char_offset":8372,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Two rural co-operative banks lend to the same trader. The first is rated A by NABARD and may lend him up to 60 lakh. The second is rated C and may lend him only 25 lakh. Same borrower, same rulebook, and the ceiling is less than half, because the ceiling follows the bank's own marks.","anchor":"https://bankpulse.ai/rule/md12998#p19","layer":"bankpulse"},{"n":8,"claim":"md12998-374f8b68","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Home loan by net worth","plain_english":"The home loan ceiling for one person depends on whether the bank's net worth reaches ₹100 crore. RBI's own table beside this point gives both amounts.","rbi_paragraph":"Para 12","rbi_char_offset":8682,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p20","layer":"bankpulse"},{"n":9,"claim":"md12998-6e725e91","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"The two limits share room","plain_english":"A home loan and an ordinary loan to the same person are added together, not counted apart.","rbi_paragraph":"Para 12","rbi_char_offset":9212,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p21","layer":"bankpulse"},{"n":10,"claim":"md12998-e8263743","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Nothing more once full","plain_english":"Once a home loan passes the ordinary ceiling, that person gets nothing further.","rbi_paragraph":"Para 12","rbi_char_offset":9840,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p22","layer":"bankpulse"},{"n":11,"claim":"md12998-e1a48c8e","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Unit and sector limits too","plain_english":"The unit ceiling runs off capital fund. The sector ceiling runs off lendable resources. Both follow the rating NABARD gives.","rbi_paragraph":"Para 14","rbi_char_offset":14500,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p23","layer":"bankpulse"},{"n":12,"claim":"md12998-02edf039","page_group":"Chapter II. Exposure Norms","stored_section":"KEY DATES","heading":"Figures from the audited sheet","plain_english":"The limits run off the audited balance sheet as on March 31.","rbi_paragraph":"Para 14","rbi_char_offset":14646,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p24","layer":"bankpulse"},{"n":13,"claim":"md12998-584afad9","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"All housing at five","plain_english":"All housing lending together stops at 5 percent of total assets.","rbi_paragraph":"Para 16","rbi_char_offset":15402,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":["housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p25","layer":"bankpulse"},{"n":14,"claim":"md12998-7919ba6d","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Stay out of commercial property","plain_english":"The bank should keep away from commercial property lending altogether.","rbi_paragraph":"Para 17","rbi_char_offset":15768,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":["commercial-real-estate"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p26","layer":"bankpulse"},{"n":15,"claim":"md12998-16378bca","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Builders of homes allowed","plain_english":"Loans to builders of housing projects are allowed inside the same five per cent.","rbi_paragraph":"Para 18","rbi_char_offset":15925,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["commercial-real-estate","housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p27","layer":"bankpulse"},{"n":16,"claim":"md12998-a0efcebd","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Shops kept to a tenth","plain_english":"In such a project the commercial space may not pass 10 per cent of the built area.","rbi_paragraph":"Para 18","rbi_char_offset":16565,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p28","layer":"bankpulse"},{"n":17,"claim":"md12998-df3be0da","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Extra cover on those loans","plain_english":"These loans carry a standard asset provision of 0.75 per cent and a risk weight of 75 per cent.","rbi_paragraph":"Para 18","rbi_char_offset":16701,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p29","layer":"bankpulse"},{"n":18,"claim":"md12998-dc41659a","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"One board policy needed","plain_english":"The board must approve one full policy covering these limits.","rbi_paragraph":"Para 7","rbi_char_offset":5985,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p30","layer":"bankpulse"},{"n":19,"claim":"md12998-39e02cd7","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Set a purpose wise ceiling","plain_english":"That policy must fix a ceiling for each purpose it lends for.","rbi_paragraph":"Para 11","rbi_char_offset":7916,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p31","layer":"bankpulse"},{"n":20,"claim":"md12998-7fa33f2a","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Check the assets yourself","plain_english":"The policy must cover checking the assets in person, again and again.","rbi_paragraph":"Para 11","rbi_char_offset":8021,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p32","layer":"bankpulse"},{"n":21,"claim":"md12998-802e3b08","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Ask the Registrar first","plain_english":"Where needed the bank must get the Registrar's permission and fix its own bye-laws.","rbi_paragraph":"Para 11","rbi_char_offset":8203,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p33","layer":"bankpulse"},{"n":22,"claim":"md12998-b2a6997a","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Judge big borrowers yourself","plain_english":"The bank must judge the credit risk itself, most of all for its bigger borrowers.","rbi_paragraph":"Para 15","rbi_char_offset":14987,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p34","layer":"bankpulse"},{"n":23,"claim":"md12998-71555f3a","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Board sees builder loans","plain_english":"A note on the builder loan book must go to the board every half year.","rbi_paragraph":"Para 19","rbi_char_offset":16880,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p35","layer":"bankpulse"},{"n":24,"claim":"md12998-43626e28","page_group":"Chapter II. Exposure Norms","stored_section":"KEY DATES","heading":"Return within fifteen days","plain_english":"The quarterly return goes to NABARD within 15 days of the quarter ending.","rbi_paragraph":"Para 20","rbi_char_offset":17046,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p36","layer":"bankpulse"},{"n":25,"claim":"md12998-454ab32f","page_group":"Chapter II. Exposure Norms","stored_section":"IMPACT","heading":"Report every breach","plain_english":"Every breach of these limits must be shown in the quarterly return.","rbi_paragraph":"Para 20(1)","rbi_char_offset":17408,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p37","layer":"bankpulse"},{"n":26,"claim":"md12998-812ad62a","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Keep inside the unit's funds","plain_english":"The bank may hold its lending to one unit within that unit's own net owned funds.","rbi_paragraph":"Para 15","rbi_char_offset":15229,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p38","layer":"bankpulse"},{"n":1,"claim":"md12998-88a91714","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"The old rules are gone","plain_english":"All earlier concentration risk instructions for these banks stand repealed.","rbi_paragraph":"Para 21","rbi_char_offset":17872,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p39","layer":"bankpulse"},{"n":2,"claim":"md12998-1079c38d","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions still stand","plain_english":"Anything already done under the old rules is still judged by them.","rbi_paragraph":"Para 22","rbi_char_offset":18279,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p40","layer":"bankpulse"},{"n":3,"claim":"md12998-a1664389","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Other laws still apply","plain_english":"These rules sit on top of other laws. They do not take the place of them.","rbi_paragraph":"Para 23","rbi_char_offset":19319,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#p41","layer":"bankpulse"},{"n":4,"claim":"md12998-1f001e30","page_group":"Chapter III. Repeal and other provisions","stored_section":"IMPACT","heading":"RBI's reading is final","plain_english":"Where the wording is unclear, RBI's own reading of it is final.","rbi_paragraph":"Para 24","rbi_char_offset":19825,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md12998#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. Always check the RBI document named in rbi_source before acting."}