{"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":"md13015","title":"Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Declaration of Dividends) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13015","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":"Urban co-operative banks","class_code":"UCB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13015","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/md13015.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13015","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:52 UTC","text_sha256":"0d94da987090683caa28e8885a113f6c235bfe39cb2c8e326ea422b3a5a903a7","word_count":1337,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":36,"points_naming_an_rbi_paragraph":36,"points_stored":36,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13015-98ed60d1","page_group":"Opening paragraphs","stored_section":"KEY DATES","heading":"The year they carry","plain_english":"They are the 2025 Directions on declaring dividends.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":1780,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13015#p1","layer":"bankpulse"},{"n":2,"claim":"md13015-39d86d0b","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":2321,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13015#p2","layer":"bankpulse"},{"n":3,"claim":"md13015-50ff31c3","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":2538,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"RBI does not have to explain each rule one by one. 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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/md13015#p31","layer":"bankpulse"},{"n":6,"claim":"md13015-e93d12e5","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 11","rbi_char_offset":6955,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13015#p32","layer":"bankpulse"},{"n":7,"claim":"md13015-a3898407","page_group":"Chapter III. 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