{"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":"md13045","title":"Reserve Bank of India (Regional Rural Banks – Asset Liability Management) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13045","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":"md13045","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/md13045.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13045","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:13 UTC","text_sha256":"92d85b7784ce6e40ff66c8295b227b9171c5d4254cac5b9b45b43492c6efb0f6","word_count":3692,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":48,"points_naming_an_rbi_paragraph":48,"points_stored":48,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13045-06b718a8","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"What this book does","plain_english":"This book sets how a regional rural bank must manage its assets against its liabilities.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":3467,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p1","layer":"bankpulse"},{"n":1,"claim":"md13045-37b879b5","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These rules took effect from the date RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":3709,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p2","layer":"bankpulse"},{"n":2,"claim":"md13045-cf6cc9d5","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules apply to every regional rural bank.","rbi_paragraph":"Para 3","rbi_char_offset":3792,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p3","layer":"bankpulse"},{"n":3,"claim":"md13045-9c805314","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Words from the Acts","plain_english":"Any other word takes its meaning from the Banking Regulation Act or the RBI Act.","rbi_paragraph":"Para 5","rbi_char_offset":4853,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p4","layer":"bankpulse"},{"n":1,"claim":"md13045-026d6df0","page_group":"Chapter II. Role of the Board","stored_section":"WHO SHOULD ACT","heading":"The board owns the risk","plain_english":"The board carries overall responsibility for risk. It sets the policy, the limits, the audit and the review.","rbi_paragraph":"Para 6","rbi_char_offset":5198,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p5","layer":"bankpulse"},{"n":2,"claim":"md13045-e75191c8","page_group":"Chapter II. Role of the Board","stored_section":"WHO SHOULD ACT","heading":"Board approves the policy","plain_english":"The board approves the ALM policy, watches how it is run, and reviews it from time to time.","rbi_paragraph":"Para 7","rbi_char_offset":5498,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p6","layer":"bankpulse"},{"n":3,"claim":"md13045-b50e0513","page_group":"Chapter II. Role of the Board","stored_section":"WHO SHOULD ACT","heading":"Limits on running gaps","plain_english":"The board sets internal limits on the running total of mismatches across every time bucket.","rbi_paragraph":"Para 8","rbi_char_offset":5654,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p7","layer":"bankpulse"},{"n":4,"claim":"md13045-4b52bd13","page_group":"Chapter II. Role of the Board","stored_section":"WHO SHOULD ACT","heading":"Limits on each gap","plain_english":"The board also sets limits on each single gap in the interest rate sensitivity statement.","rbi_paragraph":"Para 9","rbi_char_offset":5813,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p8","layer":"bankpulse"},{"n":1,"claim":"md13045-d7e57cd0","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"THE CORE IDEA","heading":"A floor, not a ceiling","plain_english":"A bank with no formal system must follow this one. A bank with a better system may keep it.","rbi_paragraph":"Para 10","rbi_char_offset":5996,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p9","layer":"bankpulse"},{"n":2,"claim":"md13045-8d7c748b","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHO SHOULD ACT","heading":"Stay inside the limits","plain_english":"Senior management must work inside the limits the board set. The committee prices deposits and advances within them.","rbi_paragraph":"Para 17","rbi_char_offset":9352,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p10","layer":"bankpulse"},{"n":3,"claim":"md13045-95d8f0ed","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHO SHOULD ACT","heading":"Keep the board informed","plain_english":"The bank must review progress. It tells the board how the system, the committee, the computers and the training stand.","rbi_paragraph":"Para 19","rbi_char_offset":9900,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p11","layer":"bankpulse"},{"n":4,"claim":"md13045-2b6d0b53","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"Three pillars","plain_english":"The system rests on information, organisation and process.","rbi_paragraph":"Para 11","rbi_char_offset":6566,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p12","layer":"bankpulse"},{"n":5,"claim":"md13045-6fbc6f04","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"Policy, limits, good data","plain_english":"Risk policies, written procedures and limits support it. Timely and accurate information is central to it.","rbi_paragraph":"Para 12","rbi_char_offset":7106,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p13","layer":"bankpulse"},{"n":6,"claim":"md13045-91f986b7","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"What the ALCO decides","plain_english":"The committee plans the balance sheet for risk and return, including liquidity, interest rate and forex risk.","rbi_paragraph":"Para 14","rbi_char_offset":7873,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p14","layer":"bankpulse"},{"n":7,"claim":"md13045-09ef9bf1","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"Who sits on it","plain_english":"Its size follows the size of the bank. Heads of investment, treasury, credit, strategy and risk may sit on it.","rbi_paragraph":"Para 15","rbi_char_offset":8526,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p15","layer":"bankpulse"},{"n":8,"claim":"md13045-e89b6952","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHO SHOULD ACT","heading":"The support group","plain_english":"Operating staff form support groups. They study the risk profile, report it to the committee and run forecasts.","rbi_paragraph":"Para 16","rbi_char_offset":8982,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p16","layer":"bankpulse"},{"n":9,"claim":"md13045-b7103abb","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"The bank sets the frequency","plain_english":"How often the committee meets is for the bank to decide.","rbi_paragraph":"Para 18","rbi_char_offset":9827,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p17","layer":"bankpulse"},{"n":10,"claim":"md13045-debca887","page_group":"Chapter III. Asset Liability Management Governance","stored_section":"WHAT CHANGES","heading":"What ALM covers","plain_english":"The work covers liquidity risk, interest rate risk and trading risk. It also covers funding, capital and profit planning.","rbi_paragraph":"Para 20","rbi_char_offset":10132,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p18","layer":"bankpulse"},{"n":1,"claim":"md13045-a5f9503a","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Ninety days ahead","plain_english":"Short-term dynamic liquidity is estimated from business projections. The horizon runs 1 to 90 days.","rbi_paragraph":"Para 32","rbi_char_offset":14512,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"The short-term view runs from 1 to 90 days. A cash need arising on day 60 is inside that window. One arising on day 120 falls outside it.","anchor":"https://bankpulse.ai/rule/md13045#p19","layer":"bankpulse"},{"n":2,"claim":"md13045-c1ae713f","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHO SHOULD ACT","heading":"Measure it all the time","plain_english":"A bank must measure its liquidity position all the time. It must test how that position would look under different assumptions.","rbi_paragraph":"Para 22","rbi_char_offset":10729,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p20","layer":"bankpulse"},{"n":3,"claim":"md13045-1f3d5112","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"IMPACT","heading":"Why liquidity matters","plain_english":"Making sure a bank can meet its dues as they fall makes trouble less likely.","rbi_paragraph":"Para 21","rbi_char_offset":10487,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p21","layer":"bankpulse"},{"n":4,"claim":"md13045-2f653187","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"The maturity ladder","plain_english":"The maturity ladder is the standard tool, used through the Structural Liquidity Statement.","rbi_paragraph":"Para 23","rbi_char_offset":11148,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p22","layer":"bankpulse"},{"n":5,"claim":"md13045-c2f031b8","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Place flows when they fall","plain_english":"Every inflow and outflow sits in the bucket where it is expected. A maturing liability is an outflow, a maturing asset an inflow.","rbi_paragraph":"Para 25","rbi_char_offset":11886,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p23","layer":"bankpulse"},{"n":6,"claim":"md13045-494c7d8f","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHO SHOULD ACT","heading":"Set tolerance levels","plain_english":"Senior management fixes how much mismatch it will bear in each maturity. The bank's own deposit base decides that.","rbi_paragraph":"Para 26","rbi_char_offset":12569,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p24","layer":"bankpulse"},{"n":7,"claim":"md13045-a20a4a44","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"IMPACT","heading":"Watch the near buckets","plain_english":"Mismatches inside a year give early warning, and the short end matters most.","rbi_paragraph":"Para 27","rbi_char_offset":12763,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p25","layer":"bankpulse"},{"n":8,"claim":"md13045-a7eaa788","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Show securities by residual","plain_english":"Statutory liquidity securities and other investments are shown in the bucket matching their remaining maturity.","rbi_paragraph":"Para 28","rbi_char_offset":13288,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p26","layer":"bankpulse"},{"n":9,"claim":"md13045-d309cec5","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Trading book by defeasance","plain_english":"A bank meeting the stated conditions may show trading securities in the first three buckets, by defeasance period.","rbi_paragraph":"Para 29","rbi_char_offset":13444,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Trading book securities do not sit with the rest. They are slotted under 1 to 14 days, 15 to 28 days, and 29 to 90 days. A holding with a defeasance period of 20 days sits in the middle bucket.","anchor":"https://bankpulse.ai/rule/md13045#p27","layer":"bankpulse"},{"n":10,"claim":"md13045-5ea91ab5","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHO SHOULD ACT","heading":"ALCO signs off the book","plain_english":"The committee approves the size, the mix, the holding period and the cut-loss of the trading book.","rbi_paragraph":"Para 30","rbi_char_offset":14013,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p28","layer":"bankpulse"},{"n":11,"claim":"md13045-3d0dce8f","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Who may use the window","plain_english":"A scheduled regional rural bank may use RBI's liquidity and marginal standing facilities. Conditions apply.","rbi_paragraph":"Para 33","rbi_char_offset":14851,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p29","layer":"bankpulse"},{"n":12,"claim":"md13045-3f31a6aa","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"A published eligible list","plain_english":"RBI's Department of Regulation tells the markets department which banks are eligible and which are not.","rbi_paragraph":"Para 34","rbi_char_offset":15293,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p30","layer":"bankpulse"},{"n":1,"claim":"md13045-3a513c6f","page_group":"Chapter V. Currency Risk Management","stored_section":"WHO SHOULD ACT","heading":"Gap limits on forex","plain_english":"A bank authorised to deal in foreign exchange must set gap limits. It must also use a value at risk approach.","rbi_paragraph":"Para 36","rbi_char_offset":15843,"weight":"DO IT","role":"All staff","team":null,"products_covered":["foreign-exchange"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p31","layer":"bankpulse"},{"n":2,"claim":"md13045-3cf78f41","page_group":"Chapter V. Currency Risk Management","stored_section":"IMPACT","heading":"Currency risk counts","plain_english":"A mismatched currency position exposes the balance sheet to exchange rates. It also brings country risk and settlement risk.","rbi_paragraph":"Para 35","rbi_char_offset":15626,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p32","layer":"bankpulse"},{"n":1,"claim":"md13045-32b41237","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Move on when ready","plain_english":"Once the system is settled a bank should move on to duration gap analysis, simulation and value at risk.","rbi_paragraph":"Para 42","rbi_char_offset":17909,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p33","layer":"bankpulse"},{"n":2,"claim":"md13045-d962bbca","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"THE CORE IDEA","heading":"Two ways to see it","plain_english":"Interest rate risk hits profits at once through the spread. It hits value over the longer run.","rbi_paragraph":"Para 37","rbi_char_offset":16181,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p34","layer":"bankpulse"},{"n":3,"claim":"md13045-6a1ce844","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Start with gap analysis","plain_english":"A regional rural bank starts with traditional gap analysis to measure interest rate risk.","rbi_paragraph":"Para 38","rbi_char_offset":16757,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p35","layer":"bankpulse"},{"n":4,"claim":"md13045-74e1bda1","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"THE CORE IDEA","heading":"What a gap is","plain_english":"A gap is the mismatch between rate sensitive liabilities and rate sensitive assets, grouped by time band.","rbi_paragraph":"Para 39","rbi_char_offset":16888,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p36","layer":"bankpulse"},{"n":5,"claim":"md13045-7af99884","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHAT CHANGES","heading":"What counts as sensitive","plain_english":"An item is rate sensitive if it has a cash flow in the period, or its rate resets in it.","rbi_paragraph":"Para 41","rbi_char_offset":17538,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p37","layer":"bankpulse"},{"n":6,"claim":"md13045-d97ad079","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Report all three","plain_english":"Assets, liabilities and off-balance sheet positions all go into the interest rate sensitivity statement.","rbi_paragraph":"Para 43","rbi_char_offset":18176,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p38","layer":"bankpulse"},{"n":7,"claim":"md13045-e22f0d0c","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHAT CHANGES","heading":"Group by the earlier date","plain_english":"Items are grouped by residual maturity or by the next repricing date, whichever comes first.","rbi_paragraph":"Para 44","rbi_char_offset":18296,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p39","layer":"bankpulse"},{"n":8,"claim":"md13045-9c51deff","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"IMPACT","heading":"Which way the gap cuts","plain_english":"A positive gap may gain from rising rates; a negative gap does not.","rbi_paragraph":"Para 46","rbi_char_offset":18884,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p40","layer":"bankpulse"},{"n":9,"claim":"md13045-fe28475b","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Limits and earnings at risk","plain_english":"The board approves a limit on each gap, set against total assets, earning assets or equity. The bank also works out earnings at risk.","rbi_paragraph":"Para 47","rbi_char_offset":18998,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p41","layer":"bankpulse"},{"n":1,"claim":"md13045-dc4ef31f","page_group":"Chapter VII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"Within three days","plain_english":"The short-term dynamic liquidity statement goes to the committee within two or three days of each reporting Friday.","rbi_paragraph":"Para 50","rbi_char_offset":19999,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"The statement is drawn as on a reporting Friday. It must reach the committee within 2 or 3 days of that Friday. So a Friday statement is with them by Monday at the latest.","anchor":"https://bankpulse.ai/rule/md13045#p42","layer":"bankpulse"},{"n":2,"claim":"md13045-ba9e0c85","page_group":"Chapter VII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"The rate statement too","plain_english":"The interest rate sensitivity statement is drawn on the same quarterly Fridays. It goes up within a month.","rbi_paragraph":"Para 51","rbi_char_offset":20192,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p43","layer":"bankpulse"},{"n":3,"claim":"md13045-a8270b65","page_group":"Chapter VII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"NABARD gets both","plain_english":"Both statements go to NABARD on a fixed schedule. The March quarter is due by 31 May.","rbi_paragraph":"Para 52","rbi_char_offset":20478,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p44","layer":"bankpulse"},{"n":1,"claim":"md13045-e889e50e","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old instructions repealed","plain_english":"The old ALM rules for regional rural banks were repealed by RBI's own circular.","rbi_paragraph":"Para 53","rbi_char_offset":20756,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p45","layer":"bankpulse"},{"n":2,"claim":"md13045-34cd0eed","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier action stands","plain_english":"What was done or begun under the old rules is still ruled by them.","rbi_paragraph":"Para 54","rbi_char_offset":21129,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A show cause notice was issued under the old rules last year. The repeal does not move it. Any action taken or initiated under the repealed directions is still governed by them. The new rulebook applies to what comes after.","anchor":"https://bankpulse.ai/rule/md13045#p46","layer":"bankpulse"},{"n":3,"claim":"md13045-9d276afe","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT CHANGES","heading":"Adds to other law","plain_english":"These rules add to other laws in force. They take nothing away.","rbi_paragraph":"Para 55","rbi_char_offset":22185,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank follows these Directions and thinks the matter is closed. It is not. Any other laws, rules, regulations or directions in force still apply on top. Where another one asks for more, the bank does the more.","anchor":"https://bankpulse.ai/rule/md13045#p47","layer":"bankpulse"},{"n":4,"claim":"md13045-383b10a3","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading is final","plain_english":"RBI may clear up doubts, and its reading of any clause is final.","rbi_paragraph":"Para 56","rbi_char_offset":22390,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13045#p48","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. Always check the RBI document named in rbi_source before acting."}