{"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":"md13070","title":"Reserve Bank of India (Local Area Banks – Asset Liability Management) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13070","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":"md13070","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/md13070.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13070","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:17:31 UTC","text_sha256":"d3f33a5fa4ba83874372031bd8973c613b45b11c637fa03765063a1d64d043b8","word_count":3587,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":43,"points_naming_an_rbi_paragraph":43,"points_stored":43,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13070-06b718a8","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"What this book does","plain_english":"This book sets how a local area bank must manage its assets against its liabilities.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":3534,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p1","layer":"bankpulse"},{"n":1,"claim":"md13070-37b879b5","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":3774,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p2","layer":"bankpulse"},{"n":2,"claim":"md13070-b5cbfafa","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules apply to every local area bank.","rbi_paragraph":"Para 3","rbi_char_offset":3858,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p3","layer":"bankpulse"},{"n":3,"claim":"md13070-9c805314","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":5654,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p4","layer":"bankpulse"},{"n":1,"claim":"md13070-278cc94e","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Limits beyond 28 days","plain_english":"The board approves limits on running mismatches in every bucket beyond 1 to 28 days.","rbi_paragraph":"Para 9","rbi_char_offset":6475,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"RBI sets the caps for the buckets up to 28 days. Past that, the Board sets its own limits for the running total in every bucket. Those limits are internal, and the Board approves them.","anchor":"https://bankpulse.ai/rule/md13070#p5","layer":"bankpulse"},{"n":2,"claim":"md13070-1e4d8c94","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Act on what you find","plain_english":"Senior management must frame corrective steps when the interest rate risk reports call for them.","rbi_paragraph":"Para 14","rbi_char_offset":7576,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p6","layer":"bankpulse"},{"n":3,"claim":"md13070-1f2ff393","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"The board owns the risk","plain_english":"The board carries overall responsibility for risk. It decides the risk management policy.","rbi_paragraph":"Para 6","rbi_char_offset":5996,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p7","layer":"bankpulse"},{"n":4,"claim":"md13070-c28fd800","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Four kinds of limit","plain_english":"The board sets limits for liquidity, interest rate, foreign exchange and equity price risk.","rbi_paragraph":"Para 7","rbi_char_offset":6112,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":["foreign-exchange"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p8","layer":"bankpulse"},{"n":5,"claim":"md13070-d055e2e7","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"A committee to watch it","plain_english":"The board forms a management committee to oversee how the system is put in place.","rbi_paragraph":"Para 8","rbi_char_offset":6214,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p9","layer":"bankpulse"},{"n":6,"claim":"md13070-dae5ea02","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Sign off the trading book","plain_english":"The board or the committee approves the size, mix, holding period and cut-loss of the trading book.","rbi_paragraph":"Para 10","rbi_char_offset":6662,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p10","layer":"bankpulse"},{"n":7,"claim":"md13070-6b8b395e","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Limits on each gap","plain_english":"The board approves limits on gaps in each time bucket of the interest rate statement.","rbi_paragraph":"Para 11","rbi_char_offset":6986,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p11","layer":"bankpulse"},{"n":8,"claim":"md13070-1fa9c77b","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"How much may be lost","plain_english":"The board approves a prudent level of earnings at risk, or of net interest margin.","rbi_paragraph":"Para 12","rbi_char_offset":7146,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p12","layer":"bankpulse"},{"n":9,"claim":"md13070-cbd3ee49","page_group":"Chapter II. Role of Board","stored_section":"WHO SHOULD ACT","heading":"Approve the assumptions","plain_english":"The board or the committee approves how behaviour, embedded options and roll-ins are estimated.","rbi_paragraph":"Para 13","rbi_char_offset":7315,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p13","layer":"bankpulse"},{"n":1,"claim":"md13070-db746e26","page_group":"Chapter III. Asset Liability Management","stored_section":"WHO SHOULD ACT","heading":"Senior management joins it up","plain_english":"Senior management reporting to the chief executive must join daily operations to strategy.","rbi_paragraph":"Para 18","rbi_char_offset":9147,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p14","layer":"bankpulse"},{"n":2,"claim":"md13070-b11bd0b3","page_group":"Chapter III. Asset Liability Management","stored_section":"THE CORE IDEA","heading":"A floor, not a ceiling","plain_english":"These rules are the benchmark. The work gives a moving frame for measuring and managing risk.","rbi_paragraph":"Para 15","rbi_char_offset":7804,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p15","layer":"bankpulse"},{"n":3,"claim":"md13070-82346f13","page_group":"Chapter III. Asset Liability Management","stored_section":"WHAT CHANGES","heading":"Three pillars","plain_english":"The system rests on information, organisation and process.","rbi_paragraph":"Para 16","rbi_char_offset":8307,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p16","layer":"bankpulse"},{"n":4,"claim":"md13070-8c7bdcea","page_group":"Chapter III. Asset Liability Management","stored_section":"WHAT CHANGES","heading":"Policy and tolerance","plain_english":"Risk policies and tolerance limits support it. Sound internal control holds it up.","rbi_paragraph":"Para 17","rbi_char_offset":8843,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p17","layer":"bankpulse"},{"n":5,"claim":"md13070-e89b6952","page_group":"Chapter III. Asset Liability Management","stored_section":"WHO SHOULD ACT","heading":"The support group","plain_english":"Operating staff form support groups. They study the risk profile and report it to the committee.","rbi_paragraph":"Para 20","rbi_char_offset":11685,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p18","layer":"bankpulse"},{"n":6,"claim":"md13070-b7406a72","page_group":"Chapter III. Asset Liability Management","stored_section":"WHAT CHANGES","heading":"What ALM covers","plain_english":"The work covers liquidity risk, market risk and trading risk. It also covers funding and capital planning.","rbi_paragraph":"Para 21","rbi_char_offset":12069,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p19","layer":"bankpulse"},{"n":1,"claim":"md13070-780f9083","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Ninety days ahead","plain_english":"Short-term liquidity may be estimated over a horizon of 1 to 90 days.","rbi_paragraph":"Para 30","rbi_char_offset":15009,"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/md13070#p20","layer":"bankpulse"},{"n":2,"claim":"md13070-6f598bc9","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Twice your net worth","plain_english":"Inter-bank liability must not go beyond 200 per cent of net worth as at 31 March of the previous year.","rbi_paragraph":"Para 31","rbi_char_offset":15357,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Inter-bank liability may not go past 200 per cent of net worth. Suppose net worth on 31 March last year was ₹500 crore. That gives ₹1,000 crore.","anchor":"https://bankpulse.ai/rule/md13070#p21","layer":"bankpulse"},{"n":3,"claim":"md13070-4509c98c","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHO SHOULD ACT","heading":"Measure it all the time","plain_english":"Senior management must measure liquidity continuously. It must test how that position would look under stress.","rbi_paragraph":"Para 22","rbi_char_offset":12344,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p22","layer":"bankpulse"},{"n":4,"claim":"md13070-a31cdf7a","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"IMPACT","heading":"Watch the near buckets","plain_english":"Mismatches inside a year give early warning. The short end must be watched closely.","rbi_paragraph":"Para 26","rbi_char_offset":13690,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Gaps inside one year are the early warning. The closest watch goes on the gaps up to 28 days. A gap at day 200 still matters, but it is not the short end.","anchor":"https://bankpulse.ai/rule/md13070#p23","layer":"bankpulse"},{"n":5,"claim":"md13070-f130f2f2","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHO SHOULD ACT","heading":"Track the running total","plain_english":"A bank must watch its running mismatch across every bucket against board-approved limits.","rbi_paragraph":"Para 27","rbi_char_offset":14109,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p24","layer":"bankpulse"},{"n":6,"claim":"md13070-6042f0a3","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"KEY DATES","heading":"A daily statement","plain_english":"The Structural Liquidity Statement is prepared every day.","rbi_paragraph":"Para 23","rbi_char_offset":12752,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p25","layer":"bankpulse"},{"n":7,"claim":"md13070-fa420422","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Fixed time buckets","plain_english":"The maturity profile sets the time buckets used to measure future cash flows.","rbi_paragraph":"Para 24","rbi_char_offset":12841,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p26","layer":"bankpulse"},{"n":8,"claim":"md13070-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.","rbi_paragraph":"Para 25","rbi_char_offset":13240,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p27","layer":"bankpulse"},{"n":9,"claim":"md13070-143a06f1","page_group":"Chapter IV. Liquidity Risk Management","stored_section":"WHAT CHANGES","heading":"Show securities by residual","plain_english":"Statutory liquidity securities and other investments sit in the bucket matching their remaining maturity.","rbi_paragraph":"Para 28","rbi_char_offset":14468,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p28","layer":"bankpulse"},{"n":1,"claim":"md13070-aa1a0ad3","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 34","rbi_char_offset":16725,"weight":"DO IT","role":"All staff","team":null,"products_covered":["foreign-exchange"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p29","layer":"bankpulse"},{"n":2,"claim":"md13070-e9db299d","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.","rbi_paragraph":"Para 33","rbi_char_offset":16539,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p30","layer":"bankpulse"},{"n":1,"claim":"md13070-17a1535d","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 net interest income.","rbi_paragraph":"Para 35","rbi_char_offset":17066,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p31","layer":"bankpulse"},{"n":2,"claim":"md13070-c0e64815","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"THE CORE IDEA","heading":"The longer view","plain_english":"Seen by economic value, a rate change hits the bank's market value of equity over the long run.","rbi_paragraph":"Para 36","rbi_char_offset":17448,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p32","layer":"bankpulse"},{"n":3,"claim":"md13070-e15706c8","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Start with gap analysis","plain_english":"A bank uses traditional gap analysis to measure interest rate risk.","rbi_paragraph":"Para 37","rbi_char_offset":17727,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p33","layer":"bankpulse"},{"n":4,"claim":"md13070-8b8c1c94","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.","rbi_paragraph":"Para 38","rbi_char_offset":17831,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p34","layer":"bankpulse"},{"n":5,"claim":"md13070-cf8018f1","page_group":"Chapter VI. Interest Rate Risk (IRR) Management","stored_section":"WHO SHOULD ACT","heading":"Work it out by date","plain_english":"Under gap analysis a bank works out the mismatches as at a given date.","rbi_paragraph":"Para 39","rbi_char_offset":18213,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p35","layer":"bankpulse"},{"n":1,"claim":"md13070-964f2e4c","page_group":"Chapter VII. Miscellaneous","stored_section":"WHO SHOULD ACT","heading":"Price funds internally","plain_english":"A bank must run a proper internal transfer pricing model as part of the system.","rbi_paragraph":"Para 45","rbi_char_offset":21171,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p36","layer":"bankpulse"},{"n":1,"claim":"md13070-95f67890","page_group":"Chapter VIII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"Daily to the committee","plain_english":"The liquidity statement is prepared daily and put before the committee.","rbi_paragraph":"Para 46","rbi_char_offset":21768,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p37","layer":"bankpulse"},{"n":2,"claim":"md13070-6c55b32b","page_group":"Chapter VIII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"Monthly rate statement","plain_english":"The interest rate sensitivity statement is prepared every month.","rbi_paragraph":"Para 47","rbi_char_offset":21855,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p38","layer":"bankpulse"},{"n":3,"claim":"md13070-317f6cdd","page_group":"Chapter VIII. Monitoring and Reporting","stored_section":"KEY DATES","heading":"Fortnightly to RBI","plain_english":"The liquidity statement goes to RBI on the first and third Wednesday of each month, and the rate statement monthly.","rbi_paragraph":"Para 48","rbi_char_offset":22272,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p39","layer":"bankpulse"},{"n":1,"claim":"md13070-57e666fd","page_group":"Chapter IX. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old instructions repealed","plain_english":"The old rules on this subject were repealed by RBI's own circular.","rbi_paragraph":"Para 49","rbi_char_offset":22477,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p40","layer":"bankpulse"},{"n":2,"claim":"md13070-34cd0eed","page_group":"Chapter IX. 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 50","rbi_char_offset":22847,"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/md13070#p41","layer":"bankpulse"},{"n":3,"claim":"md13070-9d276afe","page_group":"Chapter IX. 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 51","rbi_char_offset":23904,"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/md13070#p42","layer":"bankpulse"},{"n":4,"claim":"md13070-383b10a3","page_group":"Chapter IX. 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 52","rbi_char_offset":24110,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13070#p43","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. 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