{"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":"md13030","title":"Reserve Bank of India (Urban Co-operative Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on June 16, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13030","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":"md13030","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/md13030.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13030","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:19:17 UTC","text_sha256":"82cea53d1619b45e649e0b6d4ab719d8aebc92dcb0cdd00b2522cf75d6789c47","word_count":21468,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":55,"points_naming_an_rbi_paragraph":55,"points_stored":55,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13030-ff4779a4","page_group":"Chapter I. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Missed dividend is lost","plain_english":"A dividend missed is never paid in a later year, whatever the profit then.","rbi_paragraph":"Para 12(7)","rbi_char_offset":20650,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p11","layer":"bankpulse"},{"n":8,"claim":"md13030-9c9672c4","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Short payment not made up","plain_english":"If less than the set rate is paid, the shortfall is never made good.","rbi_paragraph":"Para 12(7)","rbi_char_offset":20807,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p12","layer":"bankpulse"},{"n":9,"claim":"md13030-c406e93c","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No loan to buy them","plain_english":"No loan may be given to any person to buy this paper.","rbi_paragraph":"Para 12(14)","rbi_char_offset":23330,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p13","layer":"bankpulse"},{"n":10,"claim":"md13030-4d527f1f","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Not a lending security","plain_english":"The issuer cannot lend against the security of its own instrument.","rbi_paragraph":"Para 12(14)","rbi_char_offset":23498,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p14","layer":"bankpulse"},{"n":11,"claim":"md13030-a8c3ad61","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Debt limb capped at fifteen","plain_english":"Perpetual debt counted in Tier 1 cannot exceed fifteen per cent of Tier 1.","rbi_paragraph":"Para 13(1)","rbi_char_offset":24605,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p15","layer":"bankpulse"},{"n":12,"claim":"md13030-d9091423","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Report a lock in","plain_english":"Every use of the lock in clause must be reported to the regulator.","rbi_paragraph":"Para 13(7)","rbi_char_offset":27614,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p16","layer":"bankpulse"},{"n":13,"claim":"md13030-13562ca9","page_group":"Chapter II. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Holder cannot force repayment","plain_english":"The investor cannot demand redemption of these shares.","rbi_paragraph":"Para 16(8)","rbi_char_offset":37845,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p18","layer":"bankpulse"},{"n":15,"claim":"md13030-f772e84c","page_group":"Chapter II. Regulatory capital","stored_section":"KEY DATES","heading":"Half by 2026","plain_english":"A bank short of the net worth must reach half of it by 31 March 2026.","rbi_paragraph":"Para 6","rbi_char_offset":5993,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p19","layer":"bankpulse"},{"n":16,"claim":"md13030-ef9a0921","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Accountant must certify","plain_english":"A chartered accountant must certify that the offer document follows these rules.","rbi_paragraph":"Para 12","rbi_char_offset":18110,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p20","layer":"bankpulse"},{"n":17,"claim":"md13030-d0c65358","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Fully paid and unsecured","plain_english":"The instrument must be fully paid, unsecured and free of restrictive clauses.","rbi_paragraph":"Para 12(11)","rbi_char_offset":21759,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p21","layer":"bankpulse"},{"n":18,"claim":"md13030-98c9859f","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Other regulators still apply","plain_english":"Conditions set by the market regulator or any other authority must also be met.","rbi_paragraph":"Para 12(11)","rbi_char_offset":21845,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p22","layer":"bankpulse"},{"n":19,"claim":"md13030-ea75a0b1","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Provide for losses first","plain_english":"Known and foreseeable losses must be provided for before this reserve counts.","rbi_paragraph":"Para 14","rbi_char_offset":30479,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p23","layer":"bankpulse"},{"n":20,"claim":"md13030-316854b3","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Capital has two tiers","plain_english":"Capital for this purpose is Tier 1 and Tier 2 only. Nothing else counts.","rbi_paragraph":"Para 10","rbi_char_offset":9396,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p24","layer":"bankpulse"},{"n":21,"claim":"md13030-00ec1183","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Risk assets are computed","plain_english":"Risk weighted assets are worked out under the paragraph named in the rule.","rbi_paragraph":"Para 10","rbi_char_offset":9667,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p25","layer":"bankpulse"},{"n":22,"claim":"md13030-437a2b16","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Revaluation reserve rule","plain_english":"A revaluation reserve rejected from Tier 1 is rejected from Tier 2 as well.","rbi_paragraph":"Para 11(1)","rbi_char_offset":12691,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p26","layer":"bankpulse"},{"n":23,"claim":"md13030-5633e52a","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Bad debt reserve line","plain_english":"Appropriations to the bad and doubtful debt reserve come below the line.","rbi_paragraph":"Para 11(2)","rbi_char_offset":13914,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p27","layer":"bankpulse"},{"n":24,"claim":"md13030-da307510","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Two tests for a fund","plain_english":"A fund enters Tier 1 only if it is an appropriation of profit and free.","rbi_paragraph":"Para 11(4)","rbi_char_offset":15674,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p28","layer":"bankpulse"},{"n":25,"claim":"md13030-60ea499b","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Old perpetual debt counts","plain_english":"Innovative perpetual debt already issued still counts within the set ceilings.","rbi_paragraph":"Para 11(5)","rbi_char_offset":16270,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p29","layer":"bankpulse"},{"n":26,"claim":"md13030-6955a916","page_group":"Chapter II. 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It is taken proportionately from Tier 1 and Tier 2 capital.","anchor":"https://bankpulse.ai/rule/md13030#p31","layer":"bankpulse"},{"n":28,"claim":"md13030-bbe73956","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Guarantee money is deducted","plain_english":"A default loss guarantee given by the lender is taken out of its capital.","rbi_paragraph":"Para 11(6)","rbi_char_offset":17517,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A lender gives a default loss guarantee and ₹20 crore of it is still outstanding. The whole ₹20 crore comes off its capital. Nothing is left in on the ground that no loss has happened yet.","anchor":"https://bankpulse.ai/rule/md13030#p32","layer":"bankpulse"},{"n":29,"claim":"md13030-e7cab994","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Apply through Pravaah","plain_english":"The application and offer document go to the Reserve Bank through the Pravaah portal.","rbi_paragraph":"Para 12","rbi_char_offset":17969,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p33","layer":"bankpulse"},{"n":30,"claim":"md13030-f9021a43","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Limit measured after goodwill","plain_english":"The ceiling is measured on Tier 1 after goodwill and intangibles are removed.","rbi_paragraph":"Para 12(1)","rbi_char_offset":18585,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p34","layer":"bankpulse"},{"n":31,"claim":"md13030-cd101b13","page_group":"Chapter II. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"No progressive discount","plain_english":"These instruments are not written down as they age.","rbi_paragraph":"Para 12(10)","rbi_char_offset":21619,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p39","layer":"bankpulse"},{"n":36,"claim":"md13030-5446b818","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Money before allotment","plain_english":"Money collected before allotment counts as a liability for reserve purposes.","rbi_paragraph":"Para 12(12)","rbi_char_offset":22574,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p40","layer":"bankpulse"},{"n":37,"claim":"md13030-8bfb8689","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Shown as borrowings","plain_english":"Perpetual debt is shown in the balance sheet as borrowings, not capital.","rbi_paragraph":"Para 13(5)","rbi_char_offset":26499,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p41","layer":"bankpulse"},{"n":38,"claim":"md13030-7ee48e64","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Holders rank together","plain_english":"Within the same class every investor ranks equally with the others.","rbi_paragraph":"Para 13(8)","rbi_char_offset":28102,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p42","layer":"bankpulse"},{"n":39,"claim":"md13030-832f9599","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Long deposits in Tier 2","plain_english":"Long term subordinated deposits already taken still count in Tier 2.","rbi_paragraph":"Para 16","rbi_char_offset":33539,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p43","layer":"bankpulse"},{"n":40,"claim":"md13030-33eaa70c","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Coupon is interest","plain_english":"The coupon on these instruments is treated as interest in the accounts.","rbi_paragraph":"Para 16(7)","rbi_char_offset":36238,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p44","layer":"bankpulse"},{"n":41,"claim":"md13030-2a49fd41","page_group":"Chapter II. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"RBI approval to redeem","plain_english":"Every redemption of a capital instrument needs prior approval from RBI.","rbi_paragraph":"Para 16(8)","rbi_char_offset":37939,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p45","layer":"bankpulse"},{"n":1,"claim":"md13030-e33dbfb4","page_group":"Chapter III. Computation of risk weighted asset (RWA)","stored_section":"WHAT CHANGES","heading":"Walkaway deals not netted","plain_english":"A contract with a walkaway clause cannot be netted when capital is worked out.","rbi_paragraph":"Para 17(5)","rbi_char_offset":61711,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p46","layer":"bankpulse"},{"n":2,"claim":"md13030-734a02f5","page_group":"Chapter III. Computation of risk weighted asset (RWA)","stored_section":"WHAT CHANGES","heading":"Charge has a ceiling","plain_english":"The capital charge cannot exceed what the exposure would cost if it had no guarantee.","rbi_paragraph":"Para 17(6)","rbi_char_offset":63458,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p47","layer":"bankpulse"},{"n":1,"claim":"md13030-79740dc2","page_group":"Chapter IV. Other instructions","stored_section":"WHAT CHANGES","heading":"No deposit rate benchmark","plain_english":"A floating rate instrument cannot use the bank's own deposit rate as its benchmark.","rbi_paragraph":"Para 28","rbi_char_offset":128330,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p48","layer":"bankpulse"},{"n":2,"claim":"md13030-5972649e","page_group":"Chapter IV. Other instructions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier conduct rules for these institutions.","rbi_paragraph":"Para 30","rbi_char_offset":130105,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p49","layer":"bankpulse"},{"n":3,"claim":"md13030-5b58d0f9","page_group":"Chapter IV. Other instructions","stored_section":"WHAT IT REPLACES","heading":"Earlier repeals stand","plain_english":"Guidelines already repealed before these Directions stay repealed.","rbi_paragraph":"Para 30","rbi_char_offset":130178,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p50","layer":"bankpulse"},{"n":4,"claim":"md13030-8334d341","page_group":"Chapter IV. Other instructions","stored_section":"WHAT IT REPLACES","heading":"Old rules stay repealed","plain_english":"Rules repealed before this document was issued remain repealed.","rbi_paragraph":"Para 30","rbi_char_offset":130236,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p51","layer":"bankpulse"},{"n":5,"claim":"md13030-7fbea917","page_group":"Chapter IV. Other instructions","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 31","rbi_char_offset":130367,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p52","layer":"bankpulse"},{"n":6,"claim":"md13030-ae84b68d","page_group":"Chapter IV. Other instructions","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 31","rbi_char_offset":130557,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p53","layer":"bankpulse"},{"n":7,"claim":"md13030-cb5408f8","page_group":"Chapter IV. Other instructions","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 32","rbi_char_offset":131439,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p54","layer":"bankpulse"},{"n":8,"claim":"md13030-4bb37a7e","page_group":"Chapter IV. Other instructions","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 33","rbi_char_offset":131898,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13030#p55","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13505","title":"Reserve Bank of India (Urban Co-operative Banks – Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026","date":"Jun 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13505&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13535","title":"Reserve Bank of India (Urban Co-operative Banks - Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026","date":"Jun 24, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13535&Mode=0","order":2,"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. 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."}