{"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":"md13027","title":"Reserve Bank of India (Urban Co-operative Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13027","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":"md13027","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/md13027.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13027","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:19:13 UTC","text_sha256":"1e14a4ced82f276b3c99914fe8ee358abd7d986668ff62d098ca2d0a548a5efa","word_count":10404,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":47,"points_naming_an_rbi_paragraph":47,"points_stored":47,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13027-fa692ee8","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a charge card is","plain_english":"A charge card must be paid in full on the due date. No credit rolls over.","rbi_paragraph":"Para 5(8)","rbi_char_offset":5314,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p1","layer":"bankpulse"},{"n":2,"claim":"md13027-305c6266","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Minimum amount due","plain_english":"The minimum amount due is the least a cardholder must pay to avoid an overdue bill.","rbi_paragraph":"Para 5(17)","rbi_char_offset":7175,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p2","layer":"bankpulse"},{"n":3,"claim":"md13027-1840df20","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These rules came into force at once, on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":2949,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p3","layer":"bankpulse"},{"n":4,"claim":"md13027-aaf7a327","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules bind every urban co-operative bank.","rbi_paragraph":"Para 3","rbi_char_offset":3031,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p4","layer":"bankpulse"},{"n":5,"claim":"md13027-19ae7602","page_group":"Chapter I. 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Preliminary","stored_section":"THE CORE IDEA","heading":"Read with other rules","plain_english":"They are read with RBI's prudential, payment and cyber security directions on cards.","rbi_paragraph":"Para 4","rbi_char_offset":3509,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p7","layer":"bankpulse"},{"n":8,"claim":"md13027-1f8bc9d4","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Add-on card sits inside","plain_english":"An add-on card sits inside the primary cardholder's own limit and liability.","rbi_paragraph":"Para 5(1)","rbi_char_offset":4001,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p8","layer":"bankpulse"},{"n":9,"claim":"md13027-d5d75203","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Annual percentage rate","plain_english":"The annual percentage rate is the yearly cost of credit, interest and all charges together.","rbi_paragraph":"Para 5(2)","rbi_char_offset":4160,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p9","layer":"bankpulse"},{"n":10,"claim":"md13027-510139a8","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a billing cycle is","plain_english":"A billing cycle is the time between the closing dates of two consecutive bills.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4398,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p10","layer":"bankpulse"},{"n":11,"claim":"md13027-670ad402","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Business card is not personal","plain_english":"A business credit card is for business spending. It is not for personal use.","rbi_paragraph":"Para 5(4)","rbi_char_offset":4621,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p11","layer":"bankpulse"},{"n":12,"claim":"md13027-67f9f5ee","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Who a cardholder is","plain_english":"A cardholder is the person the card was issued to, or one authorised to use it.","rbi_paragraph":"Para 5(5)","rbi_char_offset":4663,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p12","layer":"bankpulse"},{"n":13,"claim":"md13027-e9bfe1e0","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Reward programmes defined","plain_english":"A reward programme gives coupons, points, discounts or cash back having money value.","rbi_paragraph":"Para 5(7)","rbi_char_offset":4992,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p13","layer":"bankpulse"},{"n":14,"claim":"md13027-d6bfa590","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a co-branded card is","plain_english":"A co-branded card is issued jointly and carries the names of both partners.","rbi_paragraph":"Para 5(9)","rbi_char_offset":5475,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p14","layer":"bankpulse"},{"n":15,"claim":"md13027-3952dd9c","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Convenience fee","plain_english":"A convenience fee applies where a card is a payment form not ordinarily accepted.","rbi_paragraph":"Para 5(10)","rbi_char_offset":5658,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p15","layer":"bankpulse"},{"n":16,"claim":"md13027-5957536f","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Corporate card liability","plain_english":"On a corporate card the liability may rest with the company, the employee, or both.","rbi_paragraph":"Para 5(11)","rbi_char_offset":5834,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p16","layer":"bankpulse"},{"n":17,"claim":"md13027-ed07af34","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a credit card is","plain_english":"A credit card carries a pre-approved revolving credit limit for goods, services or cash.","rbi_paragraph":"Para 5(12)","rbi_char_offset":6066,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p17","layer":"bankpulse"},{"n":18,"claim":"md13027-f78d1e78","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Credit limit defined","plain_english":"The credit limit is the most revolving credit a cardholder may use on the account.","rbi_paragraph":"Para 5(13)","rbi_char_offset":6243,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p18","layer":"bankpulse"},{"n":19,"claim":"md13027-bdc9e0a4","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a debit card is","plain_english":"A debit card is tied to a savings or current account and draws on that account.","rbi_paragraph":"Para 5(14)","rbi_char_offset":6458,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card","deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p19","layer":"bankpulse"},{"n":20,"claim":"md13027-304452f2","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Interest free period","plain_english":"The interest free period holds only if the whole outstanding is paid by the due date.","rbi_paragraph":"Para 5(16)","rbi_char_offset":6982,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p20","layer":"bankpulse"},{"n":21,"claim":"md13027-2a30f173","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Most important terms","plain_english":"The most important terms set out the duties of both the card issuer and the holder.","rbi_paragraph":"Para 5(18)","rbi_char_offset":7372,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p21","layer":"bankpulse"},{"n":22,"claim":"md13027-ff59091d","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Total amount due","plain_english":"The total amount due is the full sum payable on that cycle's statement.","rbi_paragraph":"Para 5(21)","rbi_char_offset":7856,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p22","layer":"bankpulse"},{"n":23,"claim":"md13027-3b76e0da","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Unsolicited card defined","plain_english":"A card issued without a written or digital request is an unsolicited card.","rbi_paragraph":"Para 5(22)","rbi_char_offset":7976,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p23","layer":"bankpulse"},{"n":24,"claim":"md13027-16b03d81","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Renewal is not unsolicited","plain_english":"Renewing or replacing an existing card is not treated as an unsolicited card.","rbi_paragraph":"Para 5(22)","rbi_char_offset":8127,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p24","layer":"bankpulse"},{"n":1,"claim":"md13027-dd428397","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unactivated card closure","plain_english":"An unactivated card must be closed free of cost within seven working days, if the customer gives no consent.","rbi_paragraph":"Para 11(6)","rbi_char_offset":15751,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p25","layer":"bankpulse"},{"n":2,"claim":"md13027-c98b32cb","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Over-limit consent","plain_english":"Banks cannot let a customer go over their credit limit without the customer's explicit consent.","rbi_paragraph":"Para 12(5)","rbi_char_offset":19976,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p26","layer":"bankpulse"},{"n":3,"claim":"md13027-ff9c7035","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Seven-day closure rule","plain_english":"Banks must close a credit card within seven working days of the customer's request.","rbi_paragraph":"Para 19","rbi_char_offset":23469,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p27","layer":"bankpulse"},{"n":4,"claim":"md13027-8df9e982","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"₹500-a-day penalty","plain_english":"Late closure of a card costs the bank ₹500 per day, paid to the customer.","rbi_paragraph":"Para 19","rbi_char_offset":24304,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A cardholder asks to close the card and the account has nothing outstanding. The closure takes 10 days longer than it should. The customer is owed ₹500 for each of those days, which is ₹5,000.","anchor":"https://bankpulse.ai/rule/md13027#p28","layer":"bankpulse"},{"n":5,"claim":"md13027-0f698758","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"KEY DATES","heading":"Thirty days to update","plain_english":"Closure of a card account must be updated with credit information companies within 30 days.","rbi_paragraph":"Para 20","rbi_char_offset":25372,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p29","layer":"bankpulse"},{"n":6,"claim":"md13027-7683fbe8","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Minimum due floor","plain_english":"The minimum amount due must not be less than ₹250 so that interest is not capitalised.","rbi_paragraph":"Para 23(2)","rbi_char_offset":29227,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p30","layer":"bankpulse"},{"n":7,"claim":"md13027-fac71e46","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Three-day late fee rule","plain_english":"Banks can charge late fees only after a bill is three days overdue.","rbi_paragraph":"Para 23(5)","rbi_char_offset":30359,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p31","layer":"bankpulse"},{"n":8,"claim":"md13027-0f90708a","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Billing dispute deadline","plain_english":"Banks must answer a billing dispute within 30 days.","rbi_paragraph":"Para 25","rbi_char_offset":32797,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p32","layer":"bankpulse"},{"n":9,"claim":"md13027-13d9525f","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHO SHOULD ACT","heading":"Board-approved card policy","plain_english":"Each bank must have a board-approved policy for issuing and running credit cards.","rbi_paragraph":"Para 8","rbi_char_offset":10964,"weight":"DO IT","role":"Board","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p33","layer":"bankpulse"},{"n":10,"claim":"md13027-df586322","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHO SHOULD ACT","heading":"Withdraw the credit report","plain_english":"Credit information already reported for an inactivated credit card must be withdrawn at once.","rbi_paragraph":"Para 11(7)","rbi_char_offset":17195,"weight":"DO IT","role":"Compliance","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p34","layer":"bankpulse"},{"n":11,"claim":"md13027-c1141aec","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Quote the annual rate","plain_english":"Card issuers must quote annualised percentage rates for purchases, transfers, cash advances and default.","rbi_paragraph":"Para 23(1)","rbi_char_offset":27605,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p35","layer":"bankpulse"},{"n":12,"claim":"md13027-dc963e9d","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unsolicited card penalty","plain_english":"Sending an unsolicited card that gets billed costs the bank twice the charges as penalty.","rbi_paragraph":"Para 11(4)","rbi_char_offset":13995,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p36","layer":"bankpulse"},{"n":13,"claim":"md13027-7f07c81e","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unused card closure","plain_english":"A card unused for over a year starts a closure process, after the customer is told.","rbi_paragraph":"Para 20","rbi_char_offset":25047,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p37","layer":"bankpulse"},{"n":1,"claim":"md13027-19ac7d6d","page_group":"Chapter III. Issue of Debit Card by Banks","stored_section":"WHAT CHANGES","heading":"Debit card is optional","plain_english":"A bank cannot force a debit card on a customer or tie it to another facility.","rbi_paragraph":"Para 48","rbi_char_offset":44090,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p38","layer":"bankpulse"},{"n":2,"claim":"md13027-767ad1f6","page_group":"Chapter III. Issue of Debit Card by Banks","stored_section":"WHO IT APPLIES TO","heading":"Debit card condition","plain_english":"Banks can issue debit cards only to customers with a savings or current account.","rbi_paragraph":"Para 46","rbi_char_offset":43748,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card","deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p39","layer":"bankpulse"},{"n":1,"claim":"md13027-6d2325d1","page_group":"Chapter V. Co-branding Arrangement","stored_section":"WHAT CHANGES","heading":"Co-branded cards","plain_english":"Banks don't need RBI's prior approval to launch co-branded cards, if they meet set conditions.","rbi_paragraph":"Para 54","rbi_char_offset":45669,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p40","layer":"bankpulse"},{"n":1,"claim":"md13027-31c67494","page_group":"Chapter VI. General Guidelines for Credit and Debit Cards","stored_section":"WHAT CHANGES","heading":"30-day notice rule","plain_english":"Banks must give 30 days' notice before changing card terms.","rbi_paragraph":"Para 79","rbi_char_offset":54961,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p41","layer":"bankpulse"},{"n":2,"claim":"md13027-6b8bdb8d","page_group":"Chapter VI. General Guidelines for Credit and Debit Cards","stored_section":"WHAT CHANGES","heading":"Grievance officer on bills","plain_english":"Every card bill must list the grievance officer's name and contact details.","rbi_paragraph":"Para 83","rbi_char_offset":56680,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p42","layer":"bankpulse"},{"n":1,"claim":"md13027-5972649e","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier conduct rules for these institutions.","rbi_paragraph":"Para 93","rbi_char_offset":65086,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p43","layer":"bankpulse"},{"n":2,"claim":"md13027-7fbea917","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions preserved","plain_english":"Anything already done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 94","rbi_char_offset":65314,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p44","layer":"bankpulse"},{"n":3,"claim":"md13027-ae84b68d","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Approvals carried over","plain_english":"Approvals given under the cancelled rules are now treated as given under these rules.","rbi_paragraph":"Para 94","rbi_char_offset":65504,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p45","layer":"bankpulse"},{"n":4,"claim":"md13027-cb5408f8","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These Directions add to other laws. They do not replace any of them.","rbi_paragraph":"Para 95","rbi_char_offset":66372,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p46","layer":"bankpulse"},{"n":5,"claim":"md13027-13edf821","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading final","plain_english":"RBI's interpretation of any part of these Directions is final and binding.","rbi_paragraph":"Para 96","rbi_char_offset":66823,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13027#p47","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. 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