{"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":"md13049","title":"Reserve Bank of India (Regional Rural Banks – Concentration Risk Management) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13049","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":"md13049","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/md13049.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13049","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:20 UTC","text_sha256":"6189eb9c034f6e03bb5135bf5a7afe99d84c8aca0199921a0ddb2620dcf8a6cb","word_count":1540,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":34,"points_naming_an_rbi_paragraph":34,"points_stored":34,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13049-9db77ee8","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Starts at once","plain_english":"The rules start the moment RBI issues them.","rbi_paragraph":"Para 2","rbi_char_offset":3656,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p1","layer":"bankpulse"},{"n":2,"claim":"md13049-c90ba87e","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who must follow this","plain_english":"These rules apply to every regional rural bank.","rbi_paragraph":"Para 3","rbi_char_offset":3743,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p2","layer":"bankpulse"},{"n":3,"claim":"md13049-32f09c32","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What owned funds means","plain_english":"Owned funds are paid-up capital, the statutory reserve, other free reserves and profit in hand.","rbi_paragraph":"Para 4(1)","rbi_char_offset":4058,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p3","layer":"bankpulse"},{"n":4,"claim":"md13049-f21f0ed7","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Government money counts too","plain_english":"Share capital put in by the Central Government and the sponsor bank is counted.","rbi_paragraph":"Para 4(1)","rbi_char_offset":4349,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p4","layer":"bankpulse"},{"n":5,"claim":"md13049-1be0f82c","page_group":"Chapter I. 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Preliminary","stored_section":"THE CORE IDEA","heading":"Fully drawn term loans","plain_english":"For a fully drawn term loan the bank may count only the amount drawn.","rbi_paragraph":"Para 4(2)","rbi_char_offset":5478,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p9","layer":"bankpulse"},{"n":10,"claim":"md13049-2835940c","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"A guarantee counts in full","plain_english":"A guarantee or other non-funded limit is counted at its full value.","rbi_paragraph":"Para 4(2)","rbi_char_offset":5661,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p10","layer":"bankpulse"},{"n":11,"claim":"md13049-efcfb680","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Better not to lend groups","plain_english":"RBI says a regional rural bank should not be financing group borrowers at all.","rbi_paragraph":"Para 4(3)","rbi_char_offset":5823,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p11","layer":"bankpulse"},{"n":12,"claim":"md13049-5aee493f","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"The test for a group","plain_english":"The test is common management and real control.","rbi_paragraph":"Para 4(3)","rbi_char_offset":6116,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p12","layer":"bankpulse"},{"n":13,"claim":"md13049-5b2ff94e","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"If you do, name them","plain_english":"Where the bank does lend a group, it must set up a way to identify that group.","rbi_paragraph":"Para 4(3)","rbi_char_offset":6000,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p13","layer":"bankpulse"},{"n":14,"claim":"md13049-363f4112","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"What a sponsor bank is","plain_english":"The sponsor bank is the bank that set the regional rural bank up.","rbi_paragraph":"Para 4(4)","rbi_char_offset":6227,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p14","layer":"bankpulse"},{"n":1,"claim":"md13049-c5b4a0e2","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Fifteen and forty per cent","plain_english":"One borrower may get up to 15 per cent of owned funds. One group may get up to 40 per cent.","rbi_paragraph":"Para 7","rbi_char_offset":7119,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A regional rural bank lends to one shopkeeper and to other firms of his family. What that one shopkeeper owes may not cross 15 per cent of the bank's owned funds. Everything the family owes together may not cross 40 per cent. Owned funds is the base here, and it is not the same measure any of the other six rulebooks use.","anchor":"https://bankpulse.ai/rule/md13049#p15","layer":"bankpulse"},{"n":2,"claim":"md13049-a4fdcc6c","page_group":"Chapter II. 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Exposure Norms","stored_section":"WHAT CHANGES","heading":"Government company bonds free","plain_english":"Bonds of a company the government owns more than half of are outside that limit.","rbi_paragraph":"Para 10","rbi_char_offset":8084,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p20","layer":"bankpulse"},{"n":7,"claim":"md13049-ceeb0a09","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"The share law still binds","plain_english":"The bank must still follow the Banking Regulation Act rule on holding shares in a company.","rbi_paragraph":"Para 11","rbi_char_offset":8395,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p21","layer":"bankpulse"},{"n":8,"claim":"md13049-593abfd0","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Sharing a loan with sponsor","plain_english":"Certificates that share a loan with the sponsor bank stay within 15 per cent of the year's fresh lending.","rbi_paragraph":"Para 12","rbi_char_offset":8704,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p22","layer":"bankpulse"},{"n":9,"claim":"md13049-ece1adaa","page_group":"Chapter II. Exposure Norms","stored_section":"WHAT CHANGES","heading":"Top up loans unsecured","plain_english":"A top up loan against a vehicle is treated as unsecured.","rbi_paragraph":"Para 14","rbi_char_offset":9304,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p23","layer":"bankpulse"},{"n":10,"claim":"md13049-ddbe2e05","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Write the loan policy down","plain_english":"The bank must have a set of written loan policies.","rbi_paragraph":"Para 6","rbi_char_offset":6717,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p24","layer":"bankpulse"},{"n":11,"claim":"md13049-85e97660","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Name the limits in it","plain_english":"Those policies must state the single borrower and group limits plainly.","rbi_paragraph":"Para 6","rbi_char_offset":6771,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p25","layer":"bankpulse"},{"n":12,"claim":"md13049-174b9f75","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Papers, sectors and powers","plain_english":"They must also cover paperwork standards, sector limits and who may sanction what.","rbi_paragraph":"Para 6","rbi_char_offset":6871,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p26","layer":"bankpulse"},{"n":13,"claim":"md13049-cabbdc19","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Board checks the spread","plain_english":"The board must look at how widely the lending is spread.","rbi_paragraph":"Para 6","rbi_char_offset":6951,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p27","layer":"bankpulse"},{"n":14,"claim":"md13049-7bb5394b","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Lend small, lend wide","plain_english":"The bank must aim at many smaller borrowers rather than a few large ones.","rbi_paragraph":"Para 8","rbi_char_offset":7308,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p28","layer":"bankpulse"},{"n":15,"claim":"md13049-37d3235d","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"Unsecured consumer credit limits","plain_english":"The board must set a limit for every unsecured consumer loan.","rbi_paragraph":"Para 13","rbi_char_offset":9096,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p29","layer":"bankpulse"},{"n":16,"claim":"md13049-11a88615","page_group":"Chapter II. Exposure Norms","stored_section":"WHO SHOULD ACT","heading":"The risk committee watches","plain_english":"The risk management committee must watch those limits all the time.","rbi_paragraph":"Para 13","rbi_char_offset":9183,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p30","layer":"bankpulse"},{"n":1,"claim":"md13049-85a0d5a5","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"The old rules are gone","plain_english":"All earlier concentration risk instructions for these banks stand repealed.","rbi_paragraph":"Para 15","rbi_char_offset":9626,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p31","layer":"bankpulse"},{"n":2,"claim":"md13049-1079c38d","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions still stand","plain_english":"Anything already done under the old rules is still judged by them.","rbi_paragraph":"Para 16","rbi_char_offset":10026,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p32","layer":"bankpulse"},{"n":3,"claim":"md13049-a1664389","page_group":"Chapter III. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Other laws still apply","plain_english":"These rules sit on top of other laws. They do not take the place of them.","rbi_paragraph":"Para 17","rbi_char_offset":11054,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p33","layer":"bankpulse"},{"n":4,"claim":"md13049-1f001e30","page_group":"Chapter III. Repeal and other provisions","stored_section":"IMPACT","heading":"RBI's reading is final","plain_english":"Where the wording is unclear, RBI's own reading of it is final.","rbi_paragraph":"Para 18","rbi_char_offset":11560,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13049#p34","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."}