{"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":"md13101","title":"Reserve Bank of India (Payments Banks – Digital Banking Channels Authorisation) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13101","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":"Payments banks","class_code":"PB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13101","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":"January 01, 2026","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"34 days","stated":true,"why":"The room between the day it was published and the day it starts to apply."},"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/md13101.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=13101","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:17:10 UTC","text_sha256":"3c7b354b58eab6e65572cde77f2ce65bfd18ed10dc20796426f406e3cd86d500","word_count":2332,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":33,"points_naming_an_rbi_paragraph":33,"points_stored":33,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13101-f7a18ee5","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Starts in January","plain_english":"These rules take effect from January 01, 2026.","rbi_paragraph":"Para 2","rbi_char_offset":2704,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p1","layer":"bankpulse"},{"n":2,"claim":"md13101-9f1623c4","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who must follow this","plain_english":"These rules apply to every payments bank in India.","rbi_paragraph":"Para 3","rbi_char_offset":2784,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p2","layer":"bankpulse"},{"n":3,"claim":"md13101-32d4a4a7","page_group":"Chapter I. 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Prudential Requirements","stored_section":"KEY DATES","heading":"Thirty days to tell RBI","plain_english":"A bank switching on view only banking tells RBI within thirty days.","rbi_paragraph":"Para 6","rbi_char_offset":6133,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank's board decides on 5 March to switch on view only banking. The count runs from that decision, so the papers reach RBI within thirty days, by 4 April.","anchor":"https://bankpulse.ai/rule/md13101#p15","layer":"bankpulse"},{"n":10,"claim":"md13101-28bbe010","page_group":"Chapter II. 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General Guidelines","stored_section":"WHO SHOULD ACT","heading":"The tighter rule wins","plain_english":"Where two rules apply, the stricter of the two is the one to follow.","rbi_paragraph":"Para 10","rbi_char_offset":14338,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p22","layer":"bankpulse"},{"n":6,"claim":"md13101-6491b3d4","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"No outside products inside","plain_english":"After login the bank must not show other people's products.","rbi_paragraph":"Para 10","rbi_char_offset":14562,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p23","layer":"bankpulse"},{"n":7,"claim":"md13101-32f28b3a","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"Ask the customer first","plain_english":"The bank must take and record the customer's clear consent to register.","rbi_paragraph":"Para 10","rbi_char_offset":11684,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p24","layer":"bankpulse"},{"n":8,"claim":"md13101-87d35ab6","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"Say that alerts will come","plain_english":"The customer must be told alerts will go to the registered mobile and email.","rbi_paragraph":"Para 10","rbi_char_offset":11881,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p25","layer":"bankpulse"},{"n":9,"claim":"md13101-e4002014","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"More ways to sign up","plain_english":"Registration should be possible without a branch visit.","rbi_paragraph":"Para 10","rbi_char_offset":12095,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p26","layer":"bankpulse"},{"n":10,"claim":"md13101-25640dcf","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"Plain words, three languages","plain_english":"Terms should be in English, Hindi and the local language, simply written.","rbi_paragraph":"Para 10","rbi_char_offset":12259,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p27","layer":"bankpulse"},{"n":11,"claim":"md13101-df537002","page_group":"Chapter IV. General Guidelines","stored_section":"WHO SHOULD ACT","heading":"Set limits on transactions","plain_english":"The bank must set its own transaction limits, speed checks and fraud checks.","rbi_paragraph":"Para 10","rbi_char_offset":13845,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p28","layer":"bankpulse"},{"n":12,"claim":"md13101-a4084951","page_group":"Chapter IV. General Guidelines","stored_section":"IMPACT","heading":"Indian courts decide","plain_english":"Any legal dispute is settled inside India.","rbi_paragraph":"Para 9","rbi_char_offset":10553,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p29","layer":"bankpulse"},{"n":1,"claim":"md13101-d1078c4b","page_group":"Chapter V. Exemptions, Repeal and Other Provisions","stored_section":"IMPACT","heading":"RBI can give more time","plain_english":"RBI may give a bank more time, or excuse it from any part of these rules.","rbi_paragraph":"Para 11","rbi_char_offset":15225,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p30","layer":"bankpulse"},{"n":2,"claim":"md13101-3a1325bd","page_group":"Chapter V. Exemptions, Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old rules stand repealed","plain_english":"The earlier digital banking rules for these banks are repealed.","rbi_paragraph":"Para 12","rbi_char_offset":15518,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p31","layer":"bankpulse"},{"n":3,"claim":"md13101-1079c38d","page_group":"Chapter V. Exemptions, 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 12","rbi_char_offset":15889,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p32","layer":"bankpulse"},{"n":4,"claim":"md13101-76f8c80d","page_group":"Chapter V. Exemptions, 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 12","rbi_char_offset":16068,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13101#p33","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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