{"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":"md13126","title":"Reserve Bank of India (Small Finance Banks - Resource Raising Norms) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13126","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":"md13126","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/md13126.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13126","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:16:29 UTC","text_sha256":"293e75ed7beac7fe3f368035547a981e83266a164a46011bee1e2c6ee1b97f8f","word_count":1838,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":27,"points_naming_an_rbi_paragraph":27,"points_stored":27,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13126-d0d306f3","page_group":"Chapter I. 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Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors","stored_section":"IMPACT","heading":"Eligible Credit needs seven years","plain_english":"Eligible Credit means loans with an original maturity beyond seven years.","rbi_paragraph":"Para 6","rbi_char_offset":5980,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13126#p11","layer":"bankpulse"},{"n":10,"claim":"md13126-213ba9e4","page_group":"Chapter II. 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Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors","stored_section":"IMPACT","heading":"Also exempt from PSL calculation","plain_english":"Eligible bonds are also exempt from priority-sector lending calculations.","rbi_paragraph":"Para 6","rbi_char_offset":7147,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13126#p13","layer":"bankpulse"},{"n":12,"claim":"md13126-12d6fe44","page_group":"Chapter II. 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Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors","stored_section":"WHO SHOULD ACT","heading":"Issued only in rupees","plain_english":"A bond under this rule may be issued only in Indian Rupees.","rbi_paragraph":"Para 5","rbi_char_offset":4138,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13126#p21","layer":"bankpulse"},{"n":20,"claim":"md13126-abff57ef","page_group":"Chapter II. Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors","stored_section":"WHO SHOULD ACT","heading":"No call or put options","plain_english":"A bond under this rule may carry no embedded call or put option.","rbi_paragraph":"Para 5","rbi_char_offset":4745,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13126#p22","layer":"bankpulse"},{"n":21,"claim":"md13126-fb5c744d","page_group":"Chapter II. Issue of Long-Term Bonds for Financing Infrastructure Sub-Sectors","stored_section":"WHO SHOULD ACT","heading":"Public issue or private placement","plain_english":"A bond may be issued by public issue or private placement.","rbi_paragraph":"Para 5","rbi_char_offset":5063,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13126#p23","layer":"bankpulse"},{"n":22,"claim":"md13126-4f5f9ec8","page_group":"Chapter II. 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