{"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":"md13047","title":"Reserve Bank of India (Regional Rural Banks – Interest Rates on Advances) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13047","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":"md13047","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/md13047.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13047","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:17 UTC","text_sha256":"d523e81c312fa2fd166eaa0995ab114c858aa37dc9504425f3803ef098012b7e","word_count":1094,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":25,"points_naming_an_rbi_paragraph":25,"points_stored":25,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13047-9db77ee8","page_group":"Chapter I. 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General guidelines","stored_section":"WHO SHOULD ACT","heading":"Check the cash flow first","plain_english":"A small personal loan needs a proper approval step that looks at the borrower's cash flow.","rbi_paragraph":"Para 7(1)","rbi_char_offset":4892,"weight":"DO IT","role":"Branch","team":null,"products_covered":["personal-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p13","layer":"bankpulse"},{"n":12,"claim":"md13047-52d3b8b3","page_group":"Chapter II. General guidelines","stored_section":"WHO SHOULD ACT","heading":"Set a ceiling, publish it","plain_english":"A ceiling on interest and charges may be fixed, and should be made public.","rbi_paragraph":"Para 7(4)","rbi_char_offset":5687,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p14","layer":"bankpulse"},{"n":13,"claim":"md13047-5ff76c53","page_group":"Chapter II. General guidelines","stored_section":"WHO SHOULD ACT","heading":"A policy for small loans","plain_english":"The board must approve a policy on how microfinance loans are priced.","rbi_paragraph":"Para 8","rbi_char_offset":5885,"weight":"DO IT","role":"Board","team":null,"products_covered":["microfinance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p15","layer":"bankpulse"},{"n":14,"claim":"md13047-fd02c715","page_group":"Chapter II. General guidelines","stored_section":"WHO SHOULD ACT","heading":"Write the rate model down","plain_english":"It needs a documented way of reaching the all-inclusive interest rate.","rbi_paragraph":"Para 8(1)","rbi_char_offset":6025,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p16","layer":"bankpulse"},{"n":15,"claim":"md13047-abfad404","page_group":"Chapter II. 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Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions still stand","plain_english":"Anything done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 11","rbi_char_offset":7139,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p21","layer":"bankpulse"},{"n":3,"claim":"md13047-76f8c80d","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old approvals still count","plain_english":"Approvals given under the repealed rules now come under these rules.","rbi_paragraph":"Para 11","rbi_char_offset":7318,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p22","layer":"bankpulse"},{"n":4,"claim":"md13047-2147454f","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old rights are not lost","plain_english":"A right or duty already fixed under the old rules is not wiped out.","rbi_paragraph":"Para 11","rbi_char_offset":7547,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p23","layer":"bankpulse"},{"n":5,"claim":"md13047-e93d12e5","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old penalties still apply","plain_english":"A penalty already earned under the old rules can still be enforced.","rbi_paragraph":"Para 11","rbi_char_offset":7625,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p24","layer":"bankpulse"},{"n":6,"claim":"md13047-a1664389","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These rules add to other laws. They do not cut them down.","rbi_paragraph":"Para 12","rbi_char_offset":8167,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13047#p25","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."}