{"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":"md13019","title":"Reserve Bank of India (Urban Co-operative Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (updated as on July 01, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13019","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":"md13019","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/md13019.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13019","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:59 UTC","text_sha256":"f6b9b20ab98fd192602acadef15c326d76f0d70964e83031f5e337704f409bfb","word_count":8990,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":28,"points_naming_an_rbi_paragraph":28,"points_stored":28,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13019-dde46b0f","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Doubtful asset definition","plain_english":"A doubtful asset is one that has stayed substandard for 12 months.","rbi_paragraph":"Para 6(2)","rbi_char_offset":5934,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p1","layer":"bankpulse"},{"n":2,"claim":"md13019-a3165ab6","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Substandard asset definition","plain_english":"A substandard asset is one that has been an NPA for up to 12 months.","rbi_paragraph":"Para 6(11)","rbi_char_offset":8005,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p2","layer":"bankpulse"},{"n":3,"claim":"md13019-4c5925e9","page_group":"Chapter I. 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Preliminary","stored_section":"THE CORE IDEA","heading":"Short crops defined by exclusion","plain_english":"A short duration crop is any crop that is not a long duration crop.","rbi_paragraph":"Para 6(10)","rbi_char_offset":7910,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p11","layer":"bankpulse"},{"n":12,"claim":"md13019-7e1d9fff","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Enterprise sizes defined elsewhere","plain_english":"Micro, small and medium enterprise are defined by the MSME credit circular.","rbi_paragraph":"Para 7","rbi_char_offset":8113,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["msme-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p12","layer":"bankpulse"},{"n":13,"claim":"md13019-1563c606","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Property terms defined elsewhere","plain_english":"Commercial real estate and project finance take their meaning from the lending rules.","rbi_paragraph":"Para 9","rbi_char_offset":8700,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["commercial-real-estate","infrastructure-finance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p13","layer":"bankpulse"},{"n":1,"claim":"md13019-c9235814","page_group":"Chapter II. General Instructions","stored_section":"KEY DATES","heading":"Three months for stock","plain_english":"A stock statement used for drawing power must not be older than three months.","rbi_paragraph":"Para 15(2)","rbi_char_offset":11518,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p14","layer":"bankpulse"},{"n":2,"claim":"md13019-17e63c7e","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Name the repayment start","plain_english":"Where there is a moratorium, the loan agreement must name the exact repayment start date.","rbi_paragraph":"Para 13","rbi_char_offset":10825,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p15","layer":"bankpulse"},{"n":3,"claim":"md13019-e215a9cb","page_group":"Chapter II. General Instructions","stored_section":"WHO SHOULD ACT","heading":"Avoid repeated ad hoc renewals","plain_english":"Frequent ad hoc or short renewals without good reason must be avoided.","rbi_paragraph":"Para 18","rbi_char_offset":12119,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p16","layer":"bankpulse"},{"n":1,"claim":"md13019-29e0e7ac","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Thirty days makes SMA-1","plain_english":"An account overdue for thirty days is tagged SMA-1 at that day's run.","rbi_paragraph":"Para 25","rbi_char_offset":14798,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"An instalment falls due on 1 September and is not paid. The account is tagged SMA-1 when 30 days of continuous overdue are complete. 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Asset Classification","stored_section":"WHO SHOULD ACT","heading":"Fit schedule to cash flow","plain_english":"Repayment dates must be set from the borrower's real cash flow.","rbi_paragraph":"Para 48(3)","rbi_char_offset":25480,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p21","layer":"bankpulse"},{"n":6,"claim":"md13019-5bef77a2","page_group":"Chapter III. Asset Classification","stored_section":"THE CORE IDEA","heading":"Standard means no problem","plain_english":"A standard asset shows no problem and carries no more than normal risk.","rbi_paragraph":"Para 23","rbi_char_offset":13809,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p22","layer":"bankpulse"},{"n":7,"claim":"md13019-3f561084","page_group":"Chapter III. Asset Classification","stored_section":"THE CORE IDEA","heading":"The calendar date rules","plain_english":"The SMA or bad loan date is the calendar date of the day-end run.","rbi_paragraph":"Para 25","rbi_char_offset":14250,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p23","layer":"bankpulse"},{"n":8,"claim":"md13019-7a60676f","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Borrower-level classification","plain_english":"If one loan turns bad, all the borrower's facilities are classified as NPA.","rbi_paragraph":"Para 36","rbi_char_offset":19346,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p24","layer":"bankpulse"},{"n":9,"claim":"md13019-478091fb","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"State guarantee does not save","plain_english":"A State guaranteed advance still turns bad once dues stay overdue.","rbi_paragraph":"Para 49(1)","rbi_char_offset":25899,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p25","layer":"bankpulse"},{"n":10,"claim":"md13019-251e23c4","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Plan sets the later grade","plain_english":"After a resolution plan is put in place, later grading follows these Directions.","rbi_paragraph":"Para 53","rbi_char_offset":28424,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p26","layer":"bankpulse"},{"n":1,"claim":"md13019-009d3c92","page_group":"Chapter VI. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the older income recognition and provisioning rules for Commercial Banks.","rbi_paragraph":"Para 114","rbi_char_offset":55558,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13019#p27","layer":"bankpulse"},{"n":2,"claim":"md13019-30fee77a","page_group":"Chapter VI. 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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."}