{"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":"md13127","title":"Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on July 01, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13127","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":"md13127","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/md13127.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13127","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:16:31 UTC","text_sha256":"1484bf5adedc4dc1fdc742d79008d9f3c47ba728d61070e8e408c4056f391fc7","word_count":85243,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":109,"points_naming_an_rbi_paragraph":109,"points_stored":109,"actions":0,"amendments":8},"points":[{"n":1,"claim":"md13127-75fc1b61","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Capital rules for SFBs","plain_english":"This document sets how much capital small finance banks must hold.","rbi_paragraph":"Para 1","rbi_char_offset":6558,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p1","layer":"bankpulse"},{"n":2,"claim":"md13127-0e747d72","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions took effect on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":6710,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"There is no gap here between issue and effect. The Directions come into effect immediately upon issuance. A bank cannot wait for a separate start date, because there is none.","anchor":"https://bankpulse.ai/rule/md13127#p2","layer":"bankpulse"},{"n":3,"claim":"md13127-1897bb38","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"In force at once","plain_english":"The rules took effect the day they were issued. There was no grace period.","rbi_paragraph":"Para 2","rbi_char_offset":6716,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p3","layer":"bankpulse"},{"n":4,"claim":"md13127-0bd17c4b","page_group":"Chapter I. 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Board-approved policies","stored_section":"WHO SHOULD ACT","heading":"Board disclosure policy","plain_english":"The Board must approve a policy on what the bank discloses and how.","rbi_paragraph":"Para 6","rbi_char_offset":18410,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p6","layer":"bankpulse"},{"n":3,"claim":"md13127-90e88cee","page_group":"Chapter II. Board-approved policies","stored_section":"KEY DATES","heading":"Yearly Board assessment","plain_english":"The Board must record once a year whether the capital process meets its aims.","rbi_paragraph":"Para 7","rbi_char_offset":18630,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p7","layer":"bankpulse"},{"n":1,"claim":"md13127-ac7536b3","page_group":"Chapter III. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Do not hint at redemption","plain_english":"The issuer must not create any expectation of an early redemption.","rbi_paragraph":"Para 14(6)","rbi_char_offset":35108,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p12","layer":"bankpulse"},{"n":6,"claim":"md13127-f395b9ff","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Short payment not made up","plain_english":"If less than the set rate is paid, the shortfall is never made good.","rbi_paragraph":"Para 14(9)","rbi_char_offset":38260,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p13","layer":"bankpulse"},{"n":7,"claim":"md13127-9f2f629c","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No rating linked coupon","plain_english":"The coupon cannot be reset according to the issuer's own credit standing.","rbi_paragraph":"Para 14(9)","rbi_char_offset":38469,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p14","layer":"bankpulse"},{"n":8,"claim":"md13127-8a24ce9a","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Trigger for perpetual debt","plain_english":"The same 7 per cent trigger applies to perpetual debt instruments.","rbi_paragraph":"Para 15(9)","rbi_char_offset":57428,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p15","layer":"bankpulse"},{"n":9,"claim":"md13127-da13c1c3","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No lending against own paper","plain_english":"No advance may be given against the security of the issuer's own debt instruments.","rbi_paragraph":"Para 15(11)","rbi_char_offset":57839,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p16","layer":"bankpulse"},{"n":10,"claim":"md13127-2b021db3","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No deposit rate benchmark","plain_english":"A floating rate instrument cannot use the bank's own deposit rate as its benchmark.","rbi_paragraph":"Para 15(21)","rbi_char_offset":62748,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p17","layer":"bankpulse"},{"n":11,"claim":"md13127-9fb9b964","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"General provisions capped","plain_english":"These items count as Tier 2 only up to 1.25 per cent of credit risk assets.","rbi_paragraph":"Para 16","rbi_char_offset":64486,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p18","layer":"bankpulse"},{"n":12,"claim":"md13127-40556cef","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Tier 2 debt minimum","plain_english":"A Tier 2 debt instrument must run for at least five years.","rbi_paragraph":"Para 17(3)","rbi_char_offset":66725,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p19","layer":"bankpulse"},{"n":13,"claim":"md13127-41f37809","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Holder cannot force repayment","plain_english":"The investor cannot demand redemption of these shares.","rbi_paragraph":"Para 18(9)","rbi_char_offset":81659,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p20","layer":"bankpulse"},{"n":14,"claim":"md13127-f0cfcb25","page_group":"Chapter III. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"RBI approves redemption","plain_english":"No redemption may take place without the Reserve Bank's prior approval.","rbi_paragraph":"Para 18(9)","rbi_char_offset":81728,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p21","layer":"bankpulse"},{"n":15,"claim":"md13127-f26056c0","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Foreign currency Upper Tier 2","plain_english":"Upper Tier 2 issued in foreign currency cannot cross 25 per cent of Tier 1 capital.","rbi_paragraph":"Para 18(11)","rbi_char_offset":82973,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Upper Tier 2 raised in foreign currency may not exceed 25 per cent of Tier 1. Suppose Tier 1 is ₹400 crore. The foreign currency slice stops at ₹100 crore.","anchor":"https://bankpulse.ai/rule/md13127#p22","layer":"bankpulse"},{"n":16,"claim":"md13127-1345a543","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No put option","plain_english":"These instruments cannot carry a put option.","rbi_paragraph":"Para 19(4)","rbi_char_offset":89366,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p23","layer":"bankpulse"},{"n":17,"claim":"md13127-e01d6adb","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Subordinated debt capped","plain_english":"Subordinated debt counts only up to 50 per cent of Tier 1 capital.","rbi_paragraph":"Para 19(8)","rbi_char_offset":91220,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p24","layer":"bankpulse"},{"n":18,"claim":"md13127-0a97a901","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Holding another bank's debt","plain_english":"Subordinated debt of another bank held by the bank carries a 100 per cent weight.","rbi_paragraph":"Para 19(11)","rbi_char_offset":92168,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p25","layer":"bankpulse"},{"n":19,"claim":"md13127-2c395210","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Specified items capped","plain_english":"Certain specified items count only up to 15 per cent of core capital.","rbi_paragraph":"Para 20(8)","rbi_char_offset":98916,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p26","layer":"bankpulse"},{"n":20,"claim":"md13127-2f279d88","page_group":"Chapter III. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"RBI approval to repay capital","plain_english":"A bank cannot repay its equity capital without approval from RBI.","rbi_paragraph":"Para 20(7)","rbi_char_offset":103666,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p27","layer":"bankpulse"},{"n":21,"claim":"md13127-7f8e10b8","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Small holdings risk weighted","plain_english":"Holdings below 10 per cent of core capital are risk weighted, not deducted.","rbi_paragraph":"Para 20(8)","rbi_char_offset":112702,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p28","layer":"bankpulse"},{"n":22,"claim":"md13127-dd4d978a","page_group":"Chapter III. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Losses netted off first","plain_english":"Accumulated losses and deferred revenue expenditure are netted off first.","rbi_paragraph":"Para 15(8)","rbi_char_offset":53745,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p47","layer":"bankpulse"},{"n":41,"claim":"md13127-fa366aa6","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Coupon needs the ratio met","plain_english":"A coupon paid out of reserves requires the core capital ratio to be met.","rbi_paragraph":"Para 15(2)","rbi_char_offset":54691,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p48","layer":"bankpulse"},{"n":42,"claim":"md13127-b1dff5df","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Written down near maturity","plain_english":"These debt instruments are written down as they approach maturity.","rbi_paragraph":"Para 17(4)","rbi_char_offset":66855,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p49","layer":"bankpulse"},{"n":43,"claim":"md13127-1ee73d7b","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Foreign investor ceiling","plain_english":"Foreign institutional holding of these instruments has a separate ceiling of 500 million dollars.","rbi_paragraph":"Para 17(12)","rbi_char_offset":71829,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p50","layer":"bankpulse"},{"n":44,"claim":"md13127-ecd2ad4b","page_group":"Chapter III. Regulatory capital","stored_section":"THE CORE IDEA","heading":"Limit measured after goodwill","plain_english":"The ceiling is measured on Tier 1 after goodwill and intangibles are removed.","rbi_paragraph":"Para 18(2)","rbi_char_offset":77688,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p51","layer":"bankpulse"},{"n":45,"claim":"md13127-f94328c8","page_group":"Chapter III. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"RBI approval to redeem","plain_english":"Every redemption of a capital instrument needs prior approval from RBI.","rbi_paragraph":"Para 18(9)","rbi_char_offset":81722,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p52","layer":"bankpulse"},{"n":46,"claim":"md13127-ed841246","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Foreign holding is capped","plain_english":"Foreign institutional investment in these instruments has a separate ceiling.","rbi_paragraph":"Para 18(10)","rbi_char_offset":82163,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p53","layer":"bankpulse"},{"n":47,"claim":"md13127-18bdf12e","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Goodwill deducted","plain_english":"Goodwill paid on buying a stake in an associate is deducted from core capital.","rbi_paragraph":"Para 20(1)","rbi_char_offset":95710,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p54","layer":"bankpulse"},{"n":48,"claim":"md13127-b5765a89","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Losses are removed","plain_english":"Losses of this period and earlier periods are deducted from core capital.","rbi_paragraph":"Para 20(1)","rbi_char_offset":96214,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p55","layer":"bankpulse"},{"n":49,"claim":"md13127-2c6af297","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Loss-linked tax assets","plain_english":"Deferred tax assets linked to past losses are deducted in full from core capital.","rbi_paragraph":"Para 20(2)","rbi_char_offset":96399,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p56","layer":"bankpulse"},{"n":50,"claim":"md13127-69733987","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Cross holdings deducted","plain_english":"Capital that two institutions hold in each other is deducted in full.","rbi_paragraph":"Para 20(8)","rbi_char_offset":108334,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p57","layer":"bankpulse"},{"n":51,"claim":"md13127-4de77729","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Poor ratings weigh more","plain_english":"Where ratings differ, the one carrying the higher risk weight is applied.","rbi_paragraph":"Para 20(8)","rbi_char_offset":113233,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p58","layer":"bankpulse"},{"n":52,"claim":"md13127-c4a0d5f5","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Bank-backed returns not capital","plain_english":"Capital whose investor returns the bank has guaranteed does not count as capital.","rbi_paragraph":"Para 20","rbi_char_offset":123194,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p59","layer":"bankpulse"},{"n":53,"claim":"md13127-7daf7a9f","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Fund units are deducted","plain_english":"A holding in subordinated units of an alternative investment fund is deducted in full.","rbi_paragraph":"Para 20","rbi_char_offset":124264,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A lender puts ₹10 crore into such a fund, as subordinated units. The whole ₹10 crore comes off capital funds. It is taken proportionately from Tier 1 and Tier 2 capital.","anchor":"https://bankpulse.ai/rule/md13127#p60","layer":"bankpulse"},{"n":1,"claim":"md13127-448eb69a","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"State guarantee at twenty","plain_english":"A claim guaranteed by a State Government carries a 20 per cent risk weight.","rbi_paragraph":"Para 23","rbi_char_offset":125816,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p61","layer":"bankpulse"},{"n":2,"claim":"md13127-b0cd39f0","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Charge has a ceiling","plain_english":"The capital charge cannot exceed what the exposure would cost if it had no guarantee.","rbi_paragraph":"Para 25","rbi_char_offset":127817,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p62","layer":"bankpulse"},{"n":3,"claim":"md13127-4f273af0","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Core investment companies","plain_english":"An exposure to a core investment company carries a 100 per cent risk weight.","rbi_paragraph":"Para 37","rbi_char_offset":140081,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p63","layer":"bankpulse"},{"n":4,"claim":"md13127-16207d7a","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"No better than the country","plain_english":"An unrated company cannot get a better weight than the country it belongs to.","rbi_paragraph":"Para 37","rbi_char_offset":141470,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p64","layer":"bankpulse"},{"n":5,"claim":"md13127-cee25196","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Large unrated claims","plain_english":"An unrated claim above the stated system-wide exposure carries 150 per cent.","rbi_paragraph":"Para 37","rbi_char_offset":141593,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p65","layer":"bankpulse"},{"n":6,"claim":"md13127-4f296383","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Rating lost above ₹100 crore","plain_english":"A claim above ₹100 crore that loses its rating also carries 150 per cent.","rbi_paragraph":"Para 37","rbi_char_offset":141645,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p66","layer":"bankpulse"},{"n":7,"claim":"md13127-5459e213","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Retail portfolio at 75","plain_english":"A claim inside the regulatory retail portfolio carries a 75 per cent risk weight.","rbi_paragraph":"Para 40","rbi_char_offset":143940,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p67","layer":"bankpulse"},{"n":8,"claim":"md13127-34bf6af7","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Small business defined","plain_english":"A small business here is one with average yearly turnover below ₹50 crore.","rbi_paragraph":"Para 42","rbi_char_offset":145355,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p68","layer":"bankpulse"},{"n":9,"claim":"md13127-0202a31e","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Retail cap per borrower","plain_english":"Total retail exposure to one borrower cannot cross ₹7.5 crore.","rbi_paragraph":"Para 42","rbi_char_offset":147013,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p69","layer":"bankpulse"},{"n":10,"claim":"md13127-745d6e28","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Residential projects at 75","plain_english":"A commercial property loan for residential housing carries a 75 per cent weight.","rbi_paragraph":"Para 51","rbi_char_offset":151232,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p70","layer":"bankpulse"},{"n":11,"claim":"md13127-b911bc31","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other property at 100","plain_english":"Other commercial property lending carries a 100 per cent risk weight.","rbi_paragraph":"Para 51","rbi_char_offset":151316,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p71","layer":"bankpulse"},{"n":12,"claim":"md13127-e8890c62","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Half provided, half weight","plain_english":"If provisions reach 50 per cent or more, the weight falls to 50 per cent.","rbi_paragraph":"Para 58","rbi_char_offset":154086,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p72","layer":"bankpulse"},{"n":13,"claim":"md13127-99b77608","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Venture capital funds","plain_english":"A claim on a venture capital fund carries a 150 per cent risk weight.","rbi_paragraph":"Para 59","rbi_char_offset":154220,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p73","layer":"bankpulse"},{"n":14,"claim":"md13127-96b8063f","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Microfinance consumer loans","plain_english":"A microfinance loan outside the retail portfolio carries a 100 per cent weight.","rbi_paragraph":"Para 61","rbi_char_offset":154796,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["microfinance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p74","layer":"bankpulse"},{"n":15,"claim":"md13127-22298224","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Credit card dues","plain_english":"Credit card receivables carry a 150 per cent risk weight, or higher if rated worse.","rbi_paragraph":"Para 61","rbi_char_offset":154980,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p75","layer":"bankpulse"},{"n":16,"claim":"md13127-eba1794f","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other consumer credit","plain_english":"All other consumer credit carries a 100 per cent risk weight.","rbi_paragraph":"Para 61","rbi_char_offset":155458,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p76","layer":"bankpulse"},{"n":17,"claim":"md13127-b77a2ce2","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Capital market exposure","plain_english":"A capital market exposure carries a 125 per cent risk weight, or higher if rated worse.","rbi_paragraph":"Para 62","rbi_char_offset":155581,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["advance-against-securities"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p77","layer":"bankpulse"},{"n":18,"claim":"md13127-62dd93bf","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Finance company equity","plain_english":"Equity in a non-banking finance company that is not deducted carries 250 per cent.","rbi_paragraph":"Para 63(8)","rbi_char_offset":156516,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p78","layer":"bankpulse"},{"n":19,"claim":"md13127-e5250349","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Secured staff loans","plain_english":"A staff loan covered by retirement benefits or a house mortgage carries 20 per cent.","rbi_paragraph":"Para 69","rbi_char_offset":158926,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p79","layer":"bankpulse"},{"n":20,"claim":"md13127-3d7185cb","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other staff loans","plain_english":"Other staff loans join the retail portfolio and carry a 75 per cent weight.","rbi_paragraph":"Para 70","rbi_char_offset":159604,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p80","layer":"bankpulse"},{"n":21,"claim":"md13127-cca228cc","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Everything else at 100","plain_english":"All other assets carry a uniform risk weight of 100 per cent.","rbi_paragraph":"Para 71","rbi_char_offset":159772,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p81","layer":"bankpulse"},{"n":22,"claim":"md13127-b79228db","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Enhancement charge capped","plain_english":"The capital on a credit enhancement cannot exceed the enhancement itself.","rbi_paragraph":"Para 74(8)","rbi_char_offset":172557,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p82","layer":"bankpulse"},{"n":23,"claim":"md13127-3cd1d70d","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Qualifying clearing house","plain_english":"Collateral counted as a trade exposure with a qualifying clearing house carries 2 per cent.","rbi_paragraph":"Para 76(5)","rbi_char_offset":193998,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p83","layer":"bankpulse"},{"n":24,"claim":"md13127-6901bb43","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Weak clearing house","plain_english":"A default fund contribution to a non-qualifying clearing house carries 1,250 per cent.","rbi_paragraph":"Para 76(5)","rbi_char_offset":197494,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p84","layer":"bankpulse"},{"n":25,"claim":"md13127-c8b876fd","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Walkaway deals not netted","plain_english":"A contract with a walkaway clause cannot be netted when capital is worked out.","rbi_paragraph":"Para 77(2)","rbi_char_offset":206062,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p85","layer":"bankpulse"},{"n":26,"claim":"md13127-aa54b3a6","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Originator cannot buy back","plain_english":"The originator cannot repurchase transferred exposures except through a clean up call.","rbi_paragraph":"Para 86(2)","rbi_char_offset":212440,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p86","layer":"bankpulse"},{"n":27,"claim":"md13127-e162fc0f","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Clean up call is optional","plain_english":"A clean up call can never be made compulsory on the originator.","rbi_paragraph":"Para 86(6)","rbi_char_offset":213494,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p87","layer":"bankpulse"},{"n":28,"claim":"md13127-3e38c357","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"No hidden support","plain_english":"A clean up call cannot be built so as to give hidden credit support.","rbi_paragraph":"Para 86(7)","rbi_char_offset":213657,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p88","layer":"bankpulse"},{"n":29,"claim":"md13127-cf027b3d","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Clean-up call limit","plain_english":"A clean-up call cannot become exercisable above 10 per cent of the original pool.","rbi_paragraph":"Para 86(8)","rbi_char_offset":214115,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Suppose the pool started at ₹500 crore. A clean-up call may become exercisable once the pool falls to 10 per cent of that. That is ₹50 crore. It may not be set to trigger while ₹80 crore is still outstanding.","anchor":"https://bankpulse.ai/rule/md13127#p89","layer":"bankpulse"},{"n":30,"claim":"md13127-7d4e3e62","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Full capital below grade","plain_english":"If the bond's rating falls below investment grade, full capital must be held.","rbi_paragraph":"Para 74(8)","rbi_char_offset":172297,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p90","layer":"bankpulse"},{"n":31,"claim":"md13127-e88c98f9","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Central Government at zero","plain_english":"A claim on the Central Government, funded or not, carries a zero risk weight.","rbi_paragraph":"Para 22","rbi_char_offset":125469,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p91","layer":"bankpulse"},{"n":32,"claim":"md13127-0deeeb78","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"State exposure at zero","plain_english":"A direct loan to a State Government and State securities carry a zero risk weight.","rbi_paragraph":"Para 23","rbi_char_offset":125643,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p92","layer":"bankpulse"},{"n":33,"claim":"md13127-2672183f","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"RBI treated as government","plain_english":"Claims on RBI and on the deposit insurance body carry the Central Government weight.","rbi_paragraph":"Para 24","rbi_char_offset":125886,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["msme-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p93","layer":"bankpulse"},{"n":34,"claim":"md13127-5ada5c06","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Third house is commercial","plain_english":"A loan for a person's third home onwards is treated as commercial property.","rbi_paragraph":"Para 46","rbi_char_offset":150285,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p94","layer":"bankpulse"},{"n":35,"claim":"md13127-4d2dba3b","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Other housing claims","plain_english":"Any other claim on housing takes the higher weight of the borrower or the purpose.","rbi_paragraph":"Para 47","rbi_char_offset":150421,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p95","layer":"bankpulse"},{"n":36,"claim":"md13127-808d0daa","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Some swaps are exempt","plain_english":"No future exposure is worked out on single currency floating to floating swaps.","rbi_paragraph":"Para 75(2)","rbi_char_offset":176937,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p96","layer":"bankpulse"},{"n":37,"claim":"md13127-9aecdd58","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Repurchase stays retained","plain_english":"A securitisation exposure bought back is treated as retained, not fresh.","rbi_paragraph":"Para 78","rbi_char_offset":207010,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p97","layer":"bankpulse"},{"n":38,"claim":"md13127-1fb8cc26","page_group":"Chapter IV. Calculation of risk weighted assets (RWAs)","stored_section":"KEY DATES","heading":"Yearly rating review","plain_english":"RBI reviews the mapping of rating grades to risk weights every year.","rbi_paragraph":"Para 135","rbi_char_offset":260761,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p98","layer":"bankpulse"},{"n":1,"claim":"md13127-0d46c5c8","page_group":"Chapter V. Supervisory Review and Evaluation Process (SREP) and Market Discipline","stored_section":"WHO SHOULD ACT","heading":"Board capital plan","plain_english":"The capital plan must name the planning process and who is responsible for it.","rbi_paragraph":"Para 181(2)","rbi_char_offset":351490,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p99","layer":"bankpulse"},{"n":2,"claim":"md13127-cbd8196a","page_group":"Chapter V. Supervisory Review and Evaluation Process (SREP) and Market Discipline","stored_section":"WHO SHOULD ACT","heading":"All material risks included","plain_english":"That assessment must cover every material risk the bank carries.","rbi_paragraph":"Para 182(2)","rbi_char_offset":351725,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p100","layer":"bankpulse"},{"n":3,"claim":"md13127-7e0fd619","page_group":"Chapter V. Supervisory Review and Evaluation Process (SREP) and Market Discipline","stored_section":"WHO SHOULD ACT","heading":"Extra to the minimum","plain_english":"It sits on top of the minimum capital the rules already require.","rbi_paragraph":"Para 173","rbi_char_offset":320265,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p101","layer":"bankpulse"},{"n":4,"claim":"md13127-8191e323","page_group":"Chapter V. Supervisory Review and Evaluation Process (SREP) and Market Discipline","stored_section":"WHO SHOULD ACT","heading":"Board owns the assessment","plain_english":"The Board carries final responsibility for designing and running the internal capital assessment.","rbi_paragraph":"Para 177(3)","rbi_char_offset":332396,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p102","layer":"bankpulse"},{"n":1,"claim":"md13127-8ba7f83a","page_group":"Chapter VI. Leverage ratio framework","stored_section":"WHAT CHANGES","heading":"Leverage ratio floor","plain_english":"The leverage ratio must be at least 4.5 per cent.","rbi_paragraph":"Para 199","rbi_char_offset":452061,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p103","layer":"bankpulse"},{"n":2,"claim":"md13127-da67b11a","page_group":"Chapter VI. Leverage ratio framework","stored_section":"WHAT CHANGES","heading":"Held at all times","plain_english":"That leverage floor must be met at all times, not only at quarter end.","rbi_paragraph":"Para 199","rbi_char_offset":452246,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p104","layer":"bankpulse"},{"n":3,"claim":"md13127-e623225d","page_group":"Chapter VI. Leverage ratio framework","stored_section":"KEY DATES","heading":"Quarterly leverage disclosure","plain_english":"The leverage ratio and the figures behind it are disclosed at each quarter end.","rbi_paragraph":"Para 199","rbi_char_offset":452119,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p105","layer":"bankpulse"},{"n":1,"claim":"md13127-1b732d95","page_group":"Chapter VIII. 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 209","rbi_char_offset":483448,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p106","layer":"bankpulse"},{"n":2,"claim":"md13127-540a91a0","page_group":"Chapter VIII. 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 210","rbi_char_offset":483564,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p107","layer":"bankpulse"},{"n":3,"claim":"md13127-e24ddaf7","page_group":"Chapter VIII. 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 210","rbi_char_offset":483746,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13127#p108","layer":"bankpulse"},{"n":4,"claim":"md13127-b6c42903","page_group":"Chapter VIII. 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 211","rbi_char_offset":484642,"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/md13127#p109","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13201","title":"Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Amendment Directions, 2025","date":"Dec 04, 2025","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13201&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13266","title":"Reserve Bank of India (Small Finance Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026","date":"Jan 09, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13266&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13329","title":"Reserve Bank of India (Small Finance Banks - Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026","date":"Mar 10, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13329&Mode=0","order":3,"layer":"rbi_source"},{"id":"nt13353","title":"Reserve Bank of India (Small Finance Banks - Prudential Norms on Capital Adequacy) Second Amendment Directions, 2026  (Revised)","date":"Mar 30, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13353&Mode=0","order":4,"layer":"rbi_source"},{"id":"nt13447","title":"Reserve Bank of India (Small Finance Banks - Prudential Norms on Capital Adequacy) Fourth Amendment Directions, 2026","date":"May 08, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13447&Mode=0","order":5,"layer":"rbi_source"},{"id":"nt13508","title":"Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Sixth Amendment Directions, 2026","date":"Jun 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13508&Mode=0","order":6,"layer":"rbi_source"},{"id":"nt13533","title":"Reserve Bank of India (Small Finance Banks - Prudential Norms on Capital Adequacy) Seventh Amendment Directions, 2026","date":"Jun 24, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13533&Mode=0","order":7,"layer":"rbi_source"},{"id":"nt13652","title":"Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Fifth Amendment Directions, 2026","date":"Jul 30, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13652&Mode=0","order":8,"layer":"rbi_source"}],"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."}