{"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":"md13055","title":"Reserve Bank of India (Regional Rural Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on June 16, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13055","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":"md13055","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":"November 1, 1993","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"None","stated":true,"why":"The start date RBI gave is before the day this document was published."},"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/md13055.json","effective":"data/date_kinds.json kind=effective_date","transition":"worked out from published and starts-to-apply","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13055","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:30 UTC","text_sha256":"171809c99b9c8282a1c0f6b1101c9314f240271c7f41b667eaac155eff54fe67","word_count":6325,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":42,"points_naming_an_rbi_paragraph":42,"points_stored":42,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13055-7f1928e1","page_group":"Chapter I. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Fixed or floating rate","plain_english":"Interest may be at a fixed rate or a rate tied to a market benchmark.","rbi_paragraph":"Para 9(5)","rbi_char_offset":8678,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p11","layer":"bankpulse"},{"n":9,"claim":"md13055-34d7cac8","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No put or step up","plain_english":"These instruments cannot carry a put option or a step up option.","rbi_paragraph":"Para 9(6)","rbi_char_offset":9263,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p12","layer":"bankpulse"},{"n":10,"claim":"md13055-b4737c4e","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"What a net loss means","plain_english":"A net loss means either loss brought forward or loss in the current year.","rbi_paragraph":"Para 9(7)","rbi_char_offset":10543,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p13","layer":"bankpulse"},{"n":11,"claim":"md13055-70afc938","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Where the holder ranks","plain_english":"These holders rank above equity but below every creditor and depositor.","rbi_paragraph":"Para 9(8)","rbi_char_offset":11070,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p14","layer":"bankpulse"},{"n":12,"claim":"md13055-4e3ba512","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No progressive discount","plain_english":"These instruments are not written down as they age.","rbi_paragraph":"Para 9(9)","rbi_char_offset":11256,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p15","layer":"bankpulse"},{"n":13,"claim":"md13055-edec32c2","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 9(10)","rbi_char_offset":11362,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p16","layer":"bankpulse"},{"n":14,"claim":"md13055-7a4d6a0a","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 9(10)","rbi_char_offset":11440,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p17","layer":"bankpulse"},{"n":15,"claim":"md13055-90d1f6a8","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Banks cannot hold it","plain_english":"A regional rural bank cannot invest in perpetual debt issued by another bank.","rbi_paragraph":"Para 9(13)","rbi_char_offset":12334,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p18","layer":"bankpulse"},{"n":16,"claim":"md13055-51e761c6","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Not for small investors","plain_english":"This paper cannot be sold to retail investors, foreign investors or non-residents.","rbi_paragraph":"Para 9(13)","rbi_char_offset":12414,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p19","layer":"bankpulse"},{"n":17,"claim":"md13055-16106996","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 9(14)","rbi_char_offset":12562,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p20","layer":"bankpulse"},{"n":18,"claim":"md13055-b6de46aa","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Shown under borrowings","plain_english":"Perpetual debt is shown in the balance sheet under schedule four, borrowings.","rbi_paragraph":"Para 9(15)","rbi_char_offset":12683,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p21","layer":"bankpulse"},{"n":19,"claim":"md13055-8902ad06","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Fund units are deducted","plain_english":"A holding in subordinated units of an alternative investment fund is deducted in full.","rbi_paragraph":"Para 11","rbi_char_offset":15821,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A lender puts ₹10 crore into such a fund, as subordinated units. The whole ₹10 crore comes off capital funds. It is taken proportionately from Tier 1 and Tier 2 capital.","anchor":"https://bankpulse.ai/rule/md13055#p22","layer":"bankpulse"},{"n":20,"claim":"md13055-65900b04","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","rbi_char_offset":16598,"weight":"DO IT","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/md13055#p23","layer":"bankpulse"},{"n":21,"claim":"md13055-91972100","page_group":"Chapter II. Regulatory capital","stored_section":"WHAT CHANGES","heading":"General provisions capped","plain_english":"General provisions count as Tier 2 only up to 1.25 per cent of risk weighted assets.","rbi_paragraph":"Para 12(1)","rbi_char_offset":16831,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p24","layer":"bankpulse"},{"n":22,"claim":"md13055-812112aa","page_group":"Chapter II. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Tier 2 stays smaller","plain_english":"Tier 2 capital may never be larger than Tier 1 capital.","rbi_paragraph":"Para 13","rbi_char_offset":17342,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p25","layer":"bankpulse"},{"n":1,"claim":"md13055-324e8c9a","page_group":"Chapter III. Computation of Risk Weighted Asset (RWA)","stored_section":"THE CORE IDEA","heading":"Risk assets are added","plain_english":"The total of risk weighted assets is what the capital ratio is measured against.","rbi_paragraph":"Para 14","rbi_char_offset":17900,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p26","layer":"bankpulse"},{"n":2,"claim":"md13055-a4953da2","page_group":"Chapter III. Computation of Risk Weighted Asset (RWA)","stored_section":"WHAT CHANGES","heading":"Bad state paper weighs more","plain_english":"A state guaranteed security that has gone bad carries a 102.5 per cent weight.","rbi_paragraph":"Para 15(1)","rbi_char_offset":19107,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p27","layer":"bankpulse"},{"n":3,"claim":"md13055-ceaa1339","page_group":"Chapter III. 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Computation of Risk Weighted Asset (RWA)","stored_section":"WHAT CHANGES","heading":"Securitisation costs full capital","plain_english":"Capital on a securitisation holding equals the actual exposure, and is watched.","rbi_paragraph":"Para 15(5)","rbi_char_offset":25089,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p31","layer":"bankpulse"},{"n":7,"claim":"md13055-ed73dde1","page_group":"Chapter III. Computation of Risk Weighted Asset (RWA)","stored_section":"WHAT CHANGES","heading":"Accepted bills are bank claims","plain_english":"A bill accepted by another bank is treated as a claim on that bank.","rbi_paragraph":"Para 15(2)","rbi_char_offset":26836,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p32","layer":"bankpulse"},{"n":8,"claim":"md13055-92d7e9d9","page_group":"Chapter III. Computation of Risk Weighted Asset (RWA)","stored_section":"WHO SHOULD ACT","heading":"Prove the risk moved","plain_english":"The bank must satisfy itself that the risk really sits with the other bank.","rbi_paragraph":"Para 15(2)","rbi_char_offset":26955,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p33","layer":"bankpulse"},{"n":9,"claim":"md13055-4ef0145c","page_group":"Chapter III. 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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 15(5)","rbi_char_offset":33780,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p36","layer":"bankpulse"},{"n":1,"claim":"md13055-94381ccf","page_group":"Chapter IV. Reporting","stored_section":"WHO SHOULD ACT","heading":"Annual return to NABARD","plain_english":"An annual return on capital funds and risk assets goes to NABARD.","rbi_paragraph":"Para 16","rbi_char_offset":37775,"weight":"DO IT","role":"All staff","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p37","layer":"bankpulse"},{"n":2,"claim":"md13055-ede8edd9","page_group":"Chapter IV. Reporting","stored_section":"WHO SHOULD ACT","heading":"Two officers sign it","plain_english":"Two officers authorised to sign statutory returns must sign that return.","rbi_paragraph":"Para 16","rbi_char_offset":37990,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p38","layer":"bankpulse"},{"n":3,"claim":"md13055-0f77ca35","page_group":"Chapter IV. Reporting","stored_section":"KEY DATES","heading":"File when accounts close","plain_english":"The statement goes in as soon as the annual accounts are finalised.","rbi_paragraph":"Para 16","rbi_char_offset":38114,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p39","layer":"bankpulse"},{"n":1,"claim":"md13055-8ddcca61","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old rules stay repealed","plain_english":"Rules repealed before this document was issued remain repealed.","rbi_paragraph":"Para 17","rbi_char_offset":38579,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p40","layer":"bankpulse"},{"n":2,"claim":"md13055-1079c38d","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Past acts still stand","plain_english":"Anything done under the old rules is still judged by the old rules.","rbi_paragraph":"Para 18","rbi_char_offset":38698,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13055#p41","layer":"bankpulse"},{"n":3,"claim":"md13055-ed77acc3","page_group":"Chapter V. 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