{"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":"md13106","title":"Reserve Bank of India (Small Finance Banks – Climate Finance and Management of Climate Change Risks) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13106","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":"Small finance banks","class_code":"SFB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13106","mode":"four_dates_v1","published":{"label":"Published","value":"November 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/md13106.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13106","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:15:56 UTC","text_sha256":"7efbbea61a1f5c8fed69964f696e8a0252ad5705dc655638c85afa9611d8e495","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":25,"points_naming_an_rbi_paragraph":25,"points_stored":25,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13106-ae53b10d","page_group":"Chapter I. 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Preliminary","stored_section":"THE CORE IDEA","heading":"Green deposit meaning","plain_english":"A green deposit raises money set aside for climate-friendly projects.","rbi_paragraph":"Para 4","rbi_char_offset":4175,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p3","layer":"bankpulse"},{"n":4,"claim":"md13106-2b99a545","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Greenwashing meaning","plain_english":"Greenwashing means marketing something as green when it is not.","rbi_paragraph":"Para 4","rbi_char_offset":4711,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p4","layer":"bankpulse"},{"n":1,"claim":"md13106-68496d30","page_group":"Chapter II. 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Framework for Acceptance of Green Deposits","stored_section":"WHO SHOULD ACT","heading":"Policy on website","plain_english":"The green deposit policy must be posted on the bank's website.","rbi_paragraph":"Para 8","rbi_char_offset":5894,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p11","layer":"bankpulse"},{"n":7,"claim":"md13106-b9cdf710","page_group":"Chapter III. Framework for Acceptance of Green Deposits","stored_section":"WHO SHOULD ACT","heading":"Framework review","plain_english":"An outside expert must review the bank's green financing framework.","rbi_paragraph":"Para 12","rbi_char_offset":9983,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p12","layer":"bankpulse"},{"n":8,"claim":"md13106-eacbf709","page_group":"Chapter III. Framework for Acceptance of Green Deposits","stored_section":"WHO SHOULD ACT","heading":"Impact report online","plain_english":"Banks must post their yearly green project impact report online.","rbi_paragraph":"Para 18","rbi_char_offset":16127,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p13","layer":"bankpulse"},{"n":9,"claim":"md13106-23096da7","page_group":"Chapter III. Framework for Acceptance of Green Deposits","stored_section":"WHAT CHANGES","heading":"Rupee deposits only","plain_english":"Green deposits can only be in Indian Rupees, not foreign currency.","rbi_paragraph":"Para 9","rbi_char_offset":6437,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p14","layer":"bankpulse"},{"n":10,"claim":"md13106-9e26f0b2","page_group":"Chapter III. 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Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier conduct rules for these institutions.","rbi_paragraph":"Para 21","rbi_char_offset":17272,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p19","layer":"bankpulse"},{"n":3,"claim":"md13106-5b58d0f9","page_group":"Chapter IV. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier repeals stand","plain_english":"Rules already cancelled before this notification remain cancelled.","rbi_paragraph":"Para 21","rbi_char_offset":17345,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p20","layer":"bankpulse"},{"n":4,"claim":"md13106-8334d341","page_group":"Chapter IV. 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 21","rbi_char_offset":17404,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p21","layer":"bankpulse"},{"n":5,"claim":"md13106-7fbea917","page_group":"Chapter IV. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions preserved","plain_english":"Anything already done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 22","rbi_char_offset":17535,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p22","layer":"bankpulse"},{"n":6,"claim":"md13106-ae84b68d","page_group":"Chapter IV. Repeal and other provisions","stored_section":"WHAT IT REPLACES","heading":"Approvals carried over","plain_english":"Approvals given under the cancelled rules are now treated as given under these rules.","rbi_paragraph":"Para 22","rbi_char_offset":17725,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p23","layer":"bankpulse"},{"n":7,"claim":"md13106-cb5408f8","page_group":"Chapter IV. Repeal and other provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These Directions add to other laws. They do not replace any of them.","rbi_paragraph":"Para 23","rbi_char_offset":18593,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p24","layer":"bankpulse"},{"n":8,"claim":"md13106-13edf821","page_group":"Chapter IV. Repeal and other provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading final","plain_english":"RBI's interpretation of any part of these Directions is final and binding.","rbi_paragraph":"Para 24","rbi_char_offset":19044,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13106#p25","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."}