{"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":"md13109","title":"Reserve Bank of India (Small Finance Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13109","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":"md13109","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/md13109.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13109","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:16:01 UTC","text_sha256":"a6f4aa7563b45ee46dbff26242279b31e0001b3763cc39458b15f3f60b13bcca","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":76,"points_naming_an_rbi_paragraph":76,"points_stored":76,"actions":0,"amendments":1},"points":[{"n":1,"claim":"md13109-a2b2a013","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"Ten per cent, a company","plain_english":"For a company, holding more than ten per cent is one test of beneficial ownership.","rbi_paragraph":"Para 5(1)","rbi_char_offset":7171,"weight":"MUST KNOW","role":"All 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They must be refreshed again within two years. For a medium-risk customer the same papers would last eight years. 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