{"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":"md13069","title":"Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 (Updated as on July 1, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13069","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":"Local area banks","class_code":"LAB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13069","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/md13069.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13069","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:17:29 UTC","text_sha256":"d9c49042f95c2ea26df78dbdb00aa1f7dc937bc58dcd1efe384bf26fd98a8bb3","word_count":10366,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":47,"points_naming_an_rbi_paragraph":47,"points_stored":47,"actions":0,"amendments":2},"points":[{"n":1,"claim":"md13069-dde46b0f","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Doubtful asset definition","plain_english":"A doubtful asset is one that has stayed substandard for 12 months.","rbi_paragraph":"Para 4(2)","rbi_char_offset":5314,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p1","layer":"bankpulse"},{"n":2,"claim":"md13069-7b5f3540","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Substandard asset definition","plain_english":"A substandard asset is one that has been an NPA for up to 12 months.","rbi_paragraph":"Para 4(12)","rbi_char_offset":7555,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p2","layer":"bankpulse"},{"n":3,"claim":"md13069-22e97ef6","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Bad loan norms for LABs","plain_english":"This paper sets when a loan turns bad for local area banks.","rbi_paragraph":"Para 1","rbi_char_offset":4621,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p3","layer":"bankpulse"},{"n":4,"claim":"md13069-1840df20","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions came into effect on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":4791,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p4","layer":"bankpulse"},{"n":5,"claim":"md13069-70aa2217","page_group":"Chapter I. 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Preliminary","stored_section":"THE CORE IDEA","heading":"Wilful defaulter defined elsewhere","plain_english":"A wilful defaulter has the meaning given in the wilful defaulters rules.","rbi_paragraph":"Para 4(14)","rbi_char_offset":7907,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p11","layer":"bankpulse"},{"n":12,"claim":"md13069-7e1d9fff","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Enterprise sizes defined elsewhere","plain_english":"Micro, small and medium enterprise are defined by the MSME credit circular.","rbi_paragraph":"Para 5","rbi_char_offset":8088,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["msme-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p12","layer":"bankpulse"},{"n":1,"claim":"md13069-276b6c30","page_group":"Chapter II. General Instructions","stored_section":"KEY DATES","heading":"Three months for stock","plain_english":"A stock statement used for drawing power must not be older than three months.","rbi_paragraph":"Para 13(2)","rbi_char_offset":11984,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p13","layer":"bankpulse"},{"n":2,"claim":"md13069-79561d7b","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Older than that is irregular","plain_english":"An account run on a stock statement older than three months is irregular.","rbi_paragraph":"Para 13(4)","rbi_char_offset":12114,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p14","layer":"bankpulse"},{"n":3,"claim":"md13069-c6ec544a","page_group":"Chapter II. General Instructions","stored_section":"KEY DATES","heading":"Three months to renew","plain_english":"A regular or ad hoc limit must be reviewed within three months of its due date.","rbi_paragraph":"Para 14","rbi_char_offset":12215,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p15","layer":"bankpulse"},{"n":4,"claim":"md13069-af7d458f","page_group":"Chapter II. General Instructions","stored_section":"KEY DATES","heading":"Six months is too long","plain_english":"A delay beyond six months in renewal is not acceptable as a discipline.","rbi_paragraph":"Para 14","rbi_char_offset":12549,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p16","layer":"bankpulse"},{"n":5,"claim":"md13069-454f4c88","page_group":"Chapter II. General Instructions","stored_section":"WHO SHOULD ACT","heading":"Board must act on quality","plain_english":"The Board must take every step to stop asset quality falling.","rbi_paragraph":"Para 9","rbi_char_offset":9952,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p17","layer":"bankpulse"},{"n":6,"claim":"md13069-968dbcba","page_group":"Chapter II. General Instructions","stored_section":"WHO SHOULD ACT","heading":"Fit schedule to cash flow","plain_english":"Repayment dates must be set from the borrower's real cash flow.","rbi_paragraph":"Para 10","rbi_char_offset":10341,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p18","layer":"bankpulse"},{"n":7,"claim":"md13069-17e63c7e","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Name the repayment start","plain_english":"Where there is a moratorium, the loan agreement must name the exact repayment start date.","rbi_paragraph":"Para 11(3)","rbi_char_offset":11259,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p19","layer":"bankpulse"},{"n":8,"claim":"md13069-a0c5aaaf","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Drawings need current assets","plain_english":"Drawings on a working capital account must be covered by current assets.","rbi_paragraph":"Para 13(1)","rbi_char_offset":11648,"weight":"DO IT","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p20","layer":"bankpulse"},{"n":9,"claim":"md13069-c026e7c4","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Drawing power from stock","plain_english":"Drawing power must be worked out from a current stock statement.","rbi_paragraph":"Para 13(2)","rbi_char_offset":11740,"weight":"DO IT","role":"All staff","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p21","layer":"bankpulse"},{"n":10,"claim":"md13069-73133075","page_group":"Chapter II. General Instructions","stored_section":"WHAT CHANGES","heading":"Disclose in the notes","plain_english":"The position must be shown in the notes to the accounts.","rbi_paragraph":"Para 19","rbi_char_offset":14377,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p22","layer":"bankpulse"},{"n":1,"claim":"md13069-29e0e7ac","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Thirty days makes SMA-1","plain_english":"An account overdue for thirty days is tagged SMA-1 at that day's run.","rbi_paragraph":"Para 24","rbi_char_offset":16508,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"An instalment falls due on 1 September and is not paid. The account is tagged SMA-1 when 30 days of continuous overdue are complete. That is at the day-end run on 1 October.","anchor":"https://bankpulse.ai/rule/md13069#p23","layer":"bankpulse"},{"n":2,"claim":"md13069-849dccd7","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Sixty days makes SMA-2","plain_english":"An account overdue past SMA-1 is tagged SMA-2 at the next month's day-end run.","rbi_paragraph":"Para 24","rbi_char_offset":16712,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p24","layer":"bankpulse"},{"n":3,"claim":"md13069-d941ca66","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"90-day NPA test","plain_english":"A term loan becomes an NPA if interest or principal is overdue for more than 90 days.","rbi_paragraph":"Para 29(1)","rbi_char_offset":18041,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p25","layer":"bankpulse"},{"n":4,"claim":"md13069-5013ae86","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"180-day review rule","plain_english":"An account becomes an NPA if credit limits are not reviewed within 180 days.","rbi_paragraph":"Para 29(5)","rbi_char_offset":18575,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p26","layer":"bankpulse"},{"n":5,"claim":"md13069-6cb66962","page_group":"Chapter III. Asset Classification","stored_section":"WHO SHOULD ACT","heading":"Build an early warning system","plain_english":"A management system must catch signs of distress early, account by account.","rbi_paragraph":"Para 21","rbi_char_offset":14800,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p27","layer":"bankpulse"},{"n":6,"claim":"md13069-5c7feb3e","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Flag at day end","plain_english":"An account must be flagged overdue in the day-end run for its due date.","rbi_paragraph":"Para 23","rbi_char_offset":15660,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p28","layer":"bankpulse"},{"n":7,"claim":"md13069-cb90ac16","page_group":"Chapter III. Asset Classification","stored_section":"THE CORE IDEA","heading":"Objective tests only","plain_english":"Bad loan grading must follow objective tests so the norms are applied alike.","rbi_paragraph":"Para 25","rbi_char_offset":16966,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p29","layer":"bankpulse"},{"n":8,"claim":"md13069-71a35acb","page_group":"Chapter III. Asset Classification","stored_section":"WHO SHOULD ACT","heading":"Prove a real cure","plain_english":"Where an account is said to be cured, satisfactory evidence must go to the auditors.","rbi_paragraph":"Para 36","rbi_char_offset":21710,"weight":"DO IT","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p30","layer":"bankpulse"},{"n":9,"claim":"md13069-3f561084","page_group":"Chapter III. Asset Classification","stored_section":"THE CORE IDEA","heading":"The calendar date rules","plain_english":"The SMA or bad loan date is the calendar date of the day-end run.","rbi_paragraph":"Para 24","rbi_char_offset":15958,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p31","layer":"bankpulse"},{"n":10,"claim":"md13069-17be7a4f","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Out-of-order accounts","plain_english":"An overdraft or cash credit account becomes an NPA if it stays 'out of order'.","rbi_paragraph":"Para 29(2)","rbi_char_offset":18167,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p32","layer":"bankpulse"},{"n":11,"claim":"md13069-7a60676f","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Borrower-level classification","plain_english":"If one loan turns bad, all the borrower's facilities are classified as NPA.","rbi_paragraph":"Para 31","rbi_char_offset":20309,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p33","layer":"bankpulse"},{"n":12,"claim":"md13069-f66bcc7c","page_group":"Chapter III. Asset Classification","stored_section":"THE CORE IDEA","heading":"Security does not save it","plain_english":"Security or the borrower's net worth does not stop an advance being called bad.","rbi_paragraph":"Para 33","rbi_char_offset":21100,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p34","layer":"bankpulse"},{"n":13,"claim":"md13069-16edb2d5","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Letter of credit bills apart","plain_english":"A bill discounted under a letter of credit need not turn bad with the rest.","rbi_paragraph":"Para 37","rbi_char_offset":21942,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["trade-finance","working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p35","layer":"bankpulse"},{"n":14,"claim":"md13069-c8f15cf1","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Derivative dues pull the rest","plain_english":"Where a derivative overdue turns bad, every funded facility of that client turns bad.","rbi_paragraph":"Para 39(1)","rbi_char_offset":22694,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p36","layer":"bankpulse"},{"n":15,"claim":"md13069-43866065","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Consortium goes by own record","plain_english":"In a consortium each member grades the account on its own record of recovery.","rbi_paragraph":"Para 40(1)","rbi_char_offset":23451,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p37","layer":"bankpulse"},{"n":16,"claim":"md13069-478091fb","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"State guarantee does not save","plain_english":"A State guaranteed advance still turns bad once dues stay overdue.","rbi_paragraph":"Para 45(3)","rbi_char_offset":29598,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p38","layer":"bankpulse"},{"n":17,"claim":"md13069-251e23c4","page_group":"Chapter III. Asset Classification","stored_section":"WHAT CHANGES","heading":"Plan sets the later grade","plain_english":"After a resolution plan is put in place, later grading follows these Directions.","rbi_paragraph":"Para 48(3)","rbi_char_offset":31926,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p39","layer":"bankpulse"},{"n":1,"claim":"md13069-b98aab9e","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Standard asset provisioning","plain_english":"Banks must set aside up to 1 percent for standard assets, depending on the sector.","rbi_paragraph":"Para 64(2)","rbi_char_offset":37201,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["commercial-real-estate","housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p40","layer":"bankpulse"},{"n":2,"claim":"md13069-5bd7d9d5","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Substandard provisioning","plain_english":"Banks must set aside 15 percent for all substandard assets.","rbi_paragraph":"Para 69","rbi_char_offset":41058,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["export-credit"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p41","layer":"bankpulse"},{"n":3,"claim":"md13069-5121f50f","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Rising secured provisioning","plain_english":"Provisioning on the secured part of doubtful loans rises from 25 percent to 100 percent over time.","rbi_paragraph":"Para 75","rbi_char_offset":42680,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p42","layer":"bankpulse"},{"n":4,"claim":"md13069-1ef2c0b2","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Doubtful unsecured provisioning","plain_english":"Banks must fully provide for the unsecured part of a doubtful asset.","rbi_paragraph":"Para 74","rbi_char_offset":42400,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p43","layer":"bankpulse"},{"n":5,"claim":"md13069-5d7acda6","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Writing off loss assets","plain_english":"Banks should write off loss assets completely.","rbi_paragraph":"Para 78","rbi_char_offset":43641,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p44","layer":"bankpulse"},{"n":6,"claim":"md13069-198796f4","page_group":"Chapter IV. Provisioning Norms","stored_section":"WHAT CHANGES","heading":"Full provision alternative","plain_english":"If a loss asset stays on the books, banks must fully provide for it.","rbi_paragraph":"Para 79","rbi_char_offset":43678,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p45","layer":"bankpulse"},{"n":1,"claim":"md13069-13abc8d2","page_group":"Chapter VI. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the older income recognition and provisioning rules for Commercial Banks.","rbi_paragraph":"Para 124","rbi_char_offset":63547,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p46","layer":"bankpulse"},{"n":2,"claim":"md13069-30fee77a","page_group":"Chapter VI. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old cases continue","plain_english":"Penalties and legal cases already started under the old rules still continue.","rbi_paragraph":"Para 125","rbi_char_offset":64028,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13069#p47","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13415","title":"Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Amendment Directions, 2026","date":"Apr 29, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13415&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13580","title":"Reserve Bank of India (Local Area Banks – Income Recognition, Asset Classification and Provisioning) Second Amendment Directions, 2026","date":"Jul 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13580&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."}