{"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":"md13043","title":"Reserve Bank of India (Regional Rural Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on July 01, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13043","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":"Regional rural banks","class_code":"RRB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13043","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/md13043.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13043","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:10 UTC","text_sha256":"4472fac5956b3a0f53c89c81d53375a751c55c192ccdf7a2fcc80f17149e00ad","word_count":5563,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":30,"points_naming_an_rbi_paragraph":30,"points_stored":30,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13043-d8e4ae48","page_group":"Chapter I. 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Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to every regional rural bank.","rbi_paragraph":"Para 3","rbi_char_offset":5328,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p3","layer":"bankpulse"},{"n":4,"claim":"md13043-bec878ef","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What default means","plain_english":"Default is non-payment of any part of a debt once it is due and payable.","rbi_paragraph":"Para 4(2)","rbi_char_offset":6325,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p4","layer":"bankpulse"},{"n":5,"claim":"md13043-4acf2c71","page_group":"Chapter I. 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General Requirements","stored_section":"WHAT CHANGES","heading":"What the policy must hold","plain_english":"The Board policy must set out the objective grounds for relief to each kind of borrower.","rbi_paragraph":"Para 7(1)","rbi_char_offset":9786,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p9","layer":"bankpulse"},{"n":5,"claim":"md13043-9d406ade","page_group":"Chapter II. 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 8","rbi_char_offset":10241,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p10","layer":"bankpulse"},{"n":6,"claim":"md13043-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 10","rbi_char_offset":11333,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p11","layer":"bankpulse"},{"n":7,"claim":"md13043-3963c428","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 11","rbi_char_offset":11667,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p12","layer":"bankpulse"},{"n":8,"claim":"md13043-f7b9e4a0","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 7(5)","rbi_char_offset":9420,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p13","layer":"bankpulse"},{"n":1,"claim":"md13043-4d243cf3","page_group":"Chapter III. Prudential Norms Applicable to Restructuring","stored_section":"WHAT CHANGES","heading":"Fraud accounts barred","plain_english":"Banks cannot restructure loans linked to fraud or wilful default.","rbi_paragraph":"Para 14","rbi_char_offset":12462,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p14","layer":"bankpulse"},{"n":1,"claim":"md13043-2515c3b5","page_group":"Chapter IV. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Settlement is not a right","plain_english":"A borrower cannot demand a compromise settlement; it is the lender's judgement.","rbi_paragraph":"Para 17","rbi_char_offset":13340,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p15","layer":"bankpulse"},{"n":2,"claim":"md13043-6c9ef0e5","page_group":"Chapter IV. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Three months makes restructuring","plain_english":"A settlement paid over more than three months counts as restructuring.","rbi_paragraph":"Para 19","rbi_char_offset":14136,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p16","layer":"bankpulse"},{"n":3,"claim":"md13043-dc2948ad","page_group":"Chapter IV. 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Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"Part settlement is restructuring","plain_english":"Any part settlement with the borrower also counts as restructuring.","rbi_paragraph":"Para 20","rbi_char_offset":14222,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p22","layer":"bankpulse"},{"n":9,"claim":"md13043-7afdbd19","page_group":"Chapter IV. Special Cases of Restructuring","stored_section":"THE CORE IDEA","heading":"The right to recover stays","plain_english":"A technical write-off does not weaken the right to recover from the borrower.","rbi_paragraph":"Para 21","rbi_char_offset":14644,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p23","layer":"bankpulse"},{"n":10,"claim":"md13043-2b773080","page_group":"Chapter IV. Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Measure against the original","plain_english":"After a part write-off, provisions and grading still work off the original exposure.","rbi_paragraph":"Para 22","rbi_char_offset":15088,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p24","layer":"bankpulse"},{"n":11,"claim":"md13043-5e4c8e3e","page_group":"Chapter IV. 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Special Cases of Restructuring","stored_section":"WHAT CHANGES","heading":"Cash settlement allowed","plain_english":"Banks can still settle for cash with fraud or wilful defaulter accounts.","rbi_paragraph":"Para 27","rbi_char_offset":17213,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p26","layer":"bankpulse"},{"n":1,"claim":"md13043-a267f829","page_group":"Chapter VII. 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 53","rbi_char_offset":36254,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p27","layer":"bankpulse"},{"n":2,"claim":"md13043-4d967a8c","page_group":"Chapter VII. 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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 52","rbi_char_offset":35578,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13043#p30","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13426","title":"Reserve Bank of India (Regional Rural Banks – Resolution of Stressed Assets) Amendment Directions, 2026","date":"Apr 29, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13426&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13571","title":"Reserve Bank of India (Regional Rural Banks – Resolution of Stressed Assets) Second Amendment Directions, 2026","date":"Jul 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13571&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."}