{"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":"md13021","title":"Reserve Bank of India (Urban Co-operative Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13021","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":"md13021","mode":"four_dates_v1","published":{"label":"Published","value":"November 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/md13021.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13021","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:19:02 UTC","text_sha256":"4dade0ad9f4bec5f09e13d9b3502eb95bba8f7d92058fa5862588113dccda5c0","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":45,"points_naming_an_rbi_paragraph":45,"points_stored":45,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13021-e8e9f775","page_group":"Chapter I. 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A policy the Board has not seen does not count.","anchor":"https://bankpulse.ai/rule/md13021#p22","layer":"bankpulse"},{"n":3,"claim":"md13021-bd8ca997","page_group":"Chapter III. General Guidelines","stored_section":"WHAT CHANGES","heading":"Policy fits the bank's size","plain_english":"The policy must fit the size of the business, its risk skills, its people and its systems.","rbi_paragraph":"Para 20","rbi_char_offset":14610,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p23","layer":"bankpulse"},{"n":4,"claim":"md13021-dbb4c1eb","page_group":"Chapter III. 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Classification of Investments","stored_section":"WHAT CHANGES","heading":"90-day trading rule","plain_english":"Any security bought for short-term trading must be sold within 90 days.","rbi_paragraph":"Para 38","rbi_char_offset":20037,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p36","layer":"bankpulse"},{"n":1,"claim":"md13021-b1176897","page_group":"Chapter VIII. Investment in non-SLR Securities","stored_section":"WHAT CHANGES","heading":"Non-SLR investment cap","plain_english":"A UCB cannot put more than 10% of its deposits into non-SLR securities.","rbi_paragraph":"Para 104","rbi_char_offset":48017,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p37","layer":"bankpulse"},{"n":2,"claim":"md13021-243b1119","page_group":"Chapter VIII. Investment in non-SLR Securities","stored_section":"WHAT CHANGES","heading":"Co-operative share cap","plain_english":"Money put into co-operative society shares cannot exceed 2% of owned funds.","rbi_paragraph":"Para 106(1)","rbi_char_offset":49241,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p38","layer":"bankpulse"},{"n":1,"claim":"md13021-8447e256","page_group":"Chapter IX. Placement of Deposits with other banks / institutions","stored_section":"WHAT CHANGES","heading":"Single-bank deposit cap","plain_english":"A UCB cannot park more than 5% of its deposits with any one bank.","rbi_paragraph":"Para 125","rbi_char_offset":57378,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p39","layer":"bankpulse"},{"n":1,"claim":"md13021-86ac3974","page_group":"Chapter X. Prudential Systems / Controls","stored_section":"WHAT CHANGES","heading":"Single-broker cap","plain_english":"Trades done through any one broker cannot cross 5% of a UCB's yearly transactions.","rbi_paragraph":"Para 139","rbi_char_offset":67732,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p40","layer":"bankpulse"},{"n":1,"claim":"md13021-1475c9a9","page_group":"Chapter XII. Accounting and Provisioning","stored_section":"WHAT CHANGES","heading":"Safety reserve floor","plain_english":"A UCB must keep a safety reserve of at least 5% of its investment portfolio.","rbi_paragraph":"Para 153(4)","rbi_char_offset":74588,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13021#p41","layer":"bankpulse"},{"n":2,"claim":"md13021-c7f24753","page_group":"Chapter XII. 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