{"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":"md13151","title":"Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13151","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":"Commercial banks","class_code":"SCB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13151","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":"January 1, 2026","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"34 days","stated":true,"why":"The room between the day it was published and the day it starts to apply."},"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/md13151.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=13151","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:15:22 UTC","text_sha256":"0b1f43f5bff31044ae03114daeb21f342bcb4efd4454ede0001622b4644d76f5","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":40,"points_naming_an_rbi_paragraph":40,"points_stored":40,"actions":0,"amendments":1},"points":[{"n":1,"claim":"md13151-0bd5b0ec","page_group":"Must know","stored_section":"KEY DATES","heading":"Co-lending from January 2026","plain_english":"Part B on co-lending starts on January 1, 2026, or earlier if the bank chooses.","rbi_paragraph":"Para 2","rbi_char_offset":3874,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank's own policy sets an earlier effective date for co-lending than January 1, 2026. 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A bank that sets no earlier date starts on January 1, 2026.","anchor":"https://bankpulse.ai/rule/md13151#p1","layer":"bankpulse"},{"n":2,"claim":"md13151-545634043","page_group":"Must know","stored_section":"KEY DATES","heading":"Co-lending start date","plain_english":"The co-lending rules start January 1, 2026, or earlier if a bank's own policy sets that.","rbi_paragraph":"Para 2","rbi_char_offset":3878,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p2","layer":"bankpulse"},{"n":3,"claim":"md13151-f6ca10bf3","page_group":"Must know","stored_section":"KEY DATES","heading":"Older arrangements keep old rules","plain_english":"Co-lending arrangements made before August 06, 2025 follow the earlier rules.","rbi_paragraph":"Para 2","rbi_char_offset":4195,"weight":"MUST KNOW","role":"All 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47","rbi_char_offset":31726,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p33","layer":"bankpulse"},{"n":13,"claim":"md13151-0d8000cb5","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Loss hits this year's account","plain_english":"A sale below net book value is charged to the profit and loss account of that year.","rbi_paragraph":"Para 68","rbi_char_offset":44999,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p34","layer":"bankpulse"},{"n":14,"claim":"md13151-4ee995648","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Full risk weight on NPAs","plain_english":"A bad loan bought from another lender carries a 100% risk weight while it is standard.","rbi_paragraph":"Para 78","rbi_char_offset":49448,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p35","layer":"bankpulse"},{"n":15,"claim":"md13151-471c590b","page_group":"Background","stored_section":"WHAT CHANGES","heading":"No dividend from that gain","plain_english":"The non cash part of an excess provision comes off CET 1 and pays no dividend.","rbi_paragraph":"Para 82(1)","rbi_char_offset":52225,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p36","layer":"bankpulse"},{"n":16,"claim":"md13151-273ad6df6","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Government backed receipts valued","plain_english":"Security receipts backed by the Government are valued on the net asset value declared.","rbi_paragraph":"Para 85(1)","rbi_char_offset":53591,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p37","layer":"bankpulse"},{"n":17,"claim":"md13151-2b1e4bfaf","page_group":"Background","stored_section":"WHAT CHANGES","heading":"One rupee after the guarantee","plain_english":"A security receipt left after the guarantee ends is valued at one rupee.","rbi_paragraph":"Para 85(3)","rbi_char_offset":54009,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13151#p38","layer":"bankpulse"},{"n":18,"claim":"md13151-385c6216","page_group":"Background","stored_section":"WHO IT APPLIES TO","heading":"Co-lending scope","plain_english":"Co-lending rules cover tie-ups between banks and other banks, financial institutions or NBFCs.","rbi_paragraph":"Para 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2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13390&Mode=0","order":1,"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."}