{"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":"md13018","title":"Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Directions, 2025 (Updated as on July 1, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13018","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":"md13018","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/md13018.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13018","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:57 UTC","text_sha256":"8d4e215ce493672712a2fe1635ef3a0d21af028cab0c1a1e62e4cac60693942f","word_count":10709,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":38,"points_naming_an_rbi_paragraph":38,"points_stored":38,"actions":0,"amendments":3},"points":[{"n":1,"claim":"md13018-1f545cae","page_group":"Chapter I. 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General Requirements","stored_section":"WHAT CHANGES","heading":"Early stress flagging","plain_english":"Banks must flag loan stress right away as a special mention account.","rbi_paragraph":"Para 10","rbi_char_offset":17800,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p13","layer":"bankpulse"},{"n":6,"claim":"md13018-bf6d2f40","page_group":"Chapter II. General Requirements","stored_section":"WHO SHOULD ACT","heading":"Report to the utilities","plain_english":"Financial information must be filed with the insolvency information utilities.","rbi_paragraph":"Para 13","rbi_char_offset":19202,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p14","layer":"bankpulse"},{"n":7,"claim":"md13018-f55d21cf","page_group":"Chapter II. General Requirements","stored_section":"WHAT CHANGES","heading":"Show it in the notes","plain_english":"The position must be disclosed in the notes to the accounts.","rbi_paragraph":"Para 14","rbi_char_offset":19536,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p15","layer":"bankpulse"},{"n":8,"claim":"md13018-2f392c85","page_group":"Chapter II. General Requirements","stored_section":"WHO SHOULD ACT","heading":"Full Board approval","plain_english":"Settling with a fraud or wilful defaulter account needs the full Board's approval.","rbi_paragraph":"Para 9(5)","rbi_char_offset":16978,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p16","layer":"bankpulse"},{"n":1,"claim":"md13018-f73e20a2","page_group":"Chapter III. 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Its own board policy may set a longer wait, but never a shorter one. This does not cover farm credit.","anchor":"https://bankpulse.ai/rule/md13018#p21","layer":"bankpulse"},{"n":5,"claim":"md13018-f98a04ec","page_group":"Chapter IV. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Most recovery, least cost","plain_english":"A compromise settlement must aim at the most recovery at the least cost.","rbi_paragraph":"Para 51","rbi_char_offset":35533,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p22","layer":"bankpulse"},{"n":6,"claim":"md13018-e1a27769","page_group":"Chapter IV. 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Special Cases of Restructuring","stored_section":"WHO SHOULD ACT","heading":"Sign an inter-creditor pact","plain_english":"Where a plan is to be put in place, all lenders must sign an inter-creditor agreement.","rbi_paragraph":"Para 79","rbi_char_offset":44713,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p26","layer":"bankpulse"},{"n":10,"claim":"md13018-a83d47bc","page_group":"Chapter IV. 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Repeal and Other Provisions","stored_section":"KEY DATES","heading":"Latest update","plain_english":"The version in force today was updated on July 1, 2026.","rbi_paragraph":"Para 120","rbi_char_offset":69223,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p35","layer":"bankpulse"},{"n":2,"claim":"md13018-eae501aa","page_group":"Chapter VII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules repealed","plain_english":"This document repeals all earlier stressed-asset rules for commercial banks.","rbi_paragraph":"Para 117","rbi_char_offset":67022,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p36","layer":"bankpulse"},{"n":3,"claim":"md13018-30fee77a","page_group":"Chapter VII. 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 118","rbi_char_offset":67487,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p37","layer":"bankpulse"},{"n":4,"claim":"md13018-b0bc422a","page_group":"Chapter VII. Repeal and Other Provisions","stored_section":"WHO IT APPLIES TO","heading":"Relation to other laws","plain_english":"These Directions add to other laws; they do not cancel any of them.","rbi_paragraph":"Para 119","rbi_char_offset":68528,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13018#p38","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13385","title":"Reserve Bank of India (Urban Cooperative Banks – Resolution of Stressed Assets)- Amendment Directions, 2026","date":"Apr 27, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13385&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13416","title":"Reserve Bank of India (Urban Cooperative Banks – Resolution of Stressed Assets) Second Amendment Directions, 2026","date":"Apr 29, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13416&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13569","title":"Reserve Bank of India (Urban Co-operative Banks – Resolution of Stressed Assets) Third Amendment Directions, 2026","date":"Jul 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13569&Mode=0","order":3,"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. 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