{"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. 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Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md13131.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=13131","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:16:39 UTC","text_sha256":"f8dc34b955a08979ff8d81e128bb0a6a4c7c3342010ea5d5143ca9adb9205364","word_count":2352,"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":"md13131-f7a18ee5","page_group":"Chapter I. 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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":14439,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p22","layer":"bankpulse"},{"n":6,"claim":"md13131-6491b3d4","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":14663,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p23","layer":"bankpulse"},{"n":7,"claim":"md13131-32f28b3a","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":11780,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p24","layer":"bankpulse"},{"n":8,"claim":"md13131-87d35ab6","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":11977,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p25","layer":"bankpulse"},{"n":9,"claim":"md13131-e4002014","page_group":"Chapter IV. 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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":15336,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p30","layer":"bankpulse"},{"n":2,"claim":"md13131-7150b8a7","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":15629,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p31","layer":"bankpulse"},{"n":3,"claim":"md13131-1079c38d","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":16005,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#p32","layer":"bankpulse"},{"n":4,"claim":"md13131-76f8c80d","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":16184,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13131#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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