{"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":"md13159","title":"Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13159","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":"md13159","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":"","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/md13159.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13159","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:15:36 UTC","text_sha256":"42c1ae3634c124ca786f93c51d807f1275e11390a36386250acfb31daf58f858","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":116,"points_naming_an_rbi_paragraph":116,"points_stored":116,"actions":0,"amendments":11},"points":[{"n":1,"claim":"md13159-8f8b7db5","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Capital rules for banks","plain_english":"This document sets how much capital commercial banks must hold.","rbi_paragraph":"Para 1","rbi_char_offset":5167,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p1","layer":"bankpulse"},{"n":2,"claim":"md13159-0e747d72","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":5316,"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/md13159#p2","layer":"bankpulse"},{"n":3,"claim":"md13159-1897bb38","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":5322,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p3","layer":"bankpulse"},{"n":4,"claim":"md13159-c06c1ef6","page_group":"Chapter I. 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Regulatory capital","stored_section":"WHAT CHANGES","heading":"Nine per cent floor","plain_english":"The Pillar 1 capital ratio must stay at nine per cent at all times.","rbi_paragraph":"Para 9","rbi_char_offset":23991,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p11","layer":"bankpulse"},{"n":2,"claim":"md13159-e07a71b0","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Total capital floor","plain_english":"Total capital must stay at 9 per cent of risk weighted assets.","rbi_paragraph":"Para 11(1)","rbi_char_offset":25492,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p12","layer":"bankpulse"},{"n":3,"claim":"md13159-16f5de85","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Core capital floor","plain_english":"Common equity Tier 1 capital must stay at 5.5 per cent of risk weighted assets.","rbi_paragraph":"Para 11(2)","rbi_char_offset":25785,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p13","layer":"bankpulse"},{"n":4,"claim":"md13159-85ce3d30","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Tier 1 at seven","plain_english":"Tier 1 capital must be at least seven per cent of risk weighted assets.","rbi_paragraph":"Para 11(3)","rbi_char_offset":25866,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p14","layer":"bankpulse"},{"n":5,"claim":"md13159-0fd7e25d","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Tier 1 floor","plain_english":"Tier 1 capital must stay at 7 per cent of those assets.","rbi_paragraph":"Para 11(3)","rbi_char_offset":25873,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p15","layer":"bankpulse"},{"n":6,"claim":"md13159-69a0d370","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Additional Tier 1 cap","plain_english":"Inside that Tier 1 figure, additional Tier 1 capital counts only up to 1.5 per cent.","rbi_paragraph":"Para 11(3)","rbi_char_offset":25960,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p16","layer":"bankpulse"},{"n":7,"claim":"md13159-23c76758","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Buffer on top","plain_english":"A further buffer of 2.5 per cent in core capital sits on top of that floor.","rbi_paragraph":"Para 11(5)","rbi_char_offset":26809,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p17","layer":"bankpulse"},{"n":8,"claim":"md13159-4f394bd9","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"No loans on own shares","plain_english":"Lending against its own shares would be funding its own capital, so it is barred.","rbi_paragraph":"Para 13","rbi_char_offset":34942,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p18","layer":"bankpulse"},{"n":9,"claim":"md13159-4f4efe8e","page_group":"Chapter III. 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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 19(8)","rbi_char_offset":52406,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p21","layer":"bankpulse"},{"n":12,"claim":"md13159-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 20(11)","rbi_char_offset":72593,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p22","layer":"bankpulse"},{"n":13,"claim":"md13159-2b021db3","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 20(22)","rbi_char_offset":79718,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p23","layer":"bankpulse"},{"n":14,"claim":"md13159-9fb9b964","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 21","rbi_char_offset":81478,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p24","layer":"bankpulse"},{"n":15,"claim":"md13159-40556cef","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 24(3)","rbi_char_offset":85260,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p25","layer":"bankpulse"},{"n":16,"claim":"md13159-1345a543","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 26(6)","rbi_char_offset":101288,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p26","layer":"bankpulse"},{"n":17,"claim":"md13159-2c395210","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 28(8)","rbi_char_offset":144263,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p27","layer":"bankpulse"},{"n":18,"claim":"md13159-2f279d88","page_group":"Chapter III. 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Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"RBI fixes the write-down","plain_english":"How much non-equity capital is converted or written off is decided by the Reserve Bank.","rbi_paragraph":"Para 26","rbi_char_offset":124600,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p49","layer":"bankpulse"},{"n":40,"claim":"md13159-b2241d9d","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Non-bank minority left out","plain_english":"Minority interest in a non-bank subsidiary is left out of the group's capital.","rbi_paragraph":"Para 27(1)","rbi_char_offset":131224,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p50","layer":"bankpulse"},{"n":41,"claim":"md13159-74ae1847","page_group":"Chapter III. Regulatory capital","stored_section":"WHAT CHANGES","heading":"Non-bank minority interest","plain_english":"Minority interest in subsidiaries that are not banks does not count as group capital.","rbi_paragraph":"Para 27(1)","rbi_char_offset":131242,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p51","layer":"bankpulse"},{"n":42,"claim":"md13159-18bdf12e","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 28(1)","rbi_char_offset":140691,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p52","layer":"bankpulse"},{"n":43,"claim":"md13159-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 28(1)","rbi_char_offset":141196,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p53","layer":"bankpulse"},{"n":44,"claim":"md13159-2c6af297","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 28(2)","rbi_char_offset":141690,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p54","layer":"bankpulse"},{"n":45,"claim":"md13159-69733987","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 28(8)","rbi_char_offset":155428,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p55","layer":"bankpulse"},{"n":46,"claim":"md13159-4de77729","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 28(8)","rbi_char_offset":161181,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p56","layer":"bankpulse"},{"n":47,"claim":"md13159-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 28","rbi_char_offset":172376,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p57","layer":"bankpulse"},{"n":48,"claim":"md13159-f9e3b05e","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 28","rbi_char_offset":173743,"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/md13159#p58","layer":"bankpulse"},{"n":49,"claim":"md13159-90b83899","page_group":"Chapter III. Regulatory capital","stored_section":"WHO SHOULD ACT","heading":"Board approval for overseas capital","plain_english":"A bank that meets its capital rules may, with Board approval, fund its overseas offices.","rbi_paragraph":"Para 29(1)","rbi_char_offset":174743,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p59","layer":"bankpulse"},{"n":1,"claim":"md13159-448eb69a","page_group":"Chapter IV. 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 32","rbi_char_offset":177270,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p60","layer":"bankpulse"},{"n":2,"claim":"md13159-c954bbea","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Export guarantee body","plain_english":"A claim on the Export Credit Guarantee Corporation carries a 20 per cent risk weight.","rbi_paragraph":"Para 33","rbi_char_offset":177804,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["export-credit"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p61","layer":"bankpulse"},{"n":3,"claim":"md13159-b0cd39f0","page_group":"Chapter IV. 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 34","rbi_char_offset":179264,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p62","layer":"bankpulse"},{"n":4,"claim":"md13159-4f273af0","page_group":"Chapter IV. 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 47","rbi_char_offset":192545,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p63","layer":"bankpulse"},{"n":5,"claim":"md13159-16207d7a","page_group":"Chapter IV. 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 47","rbi_char_offset":193933,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p64","layer":"bankpulse"},{"n":6,"claim":"md13159-cee25196","page_group":"Chapter IV. 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 47","rbi_char_offset":194056,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p65","layer":"bankpulse"},{"n":7,"claim":"md13159-4f296383","page_group":"Chapter IV. 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 47","rbi_char_offset":194108,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p66","layer":"bankpulse"},{"n":8,"claim":"md13159-0f9b9c06","page_group":"Chapter IV. 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 50","rbi_char_offset":196406,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p67","layer":"bankpulse"},{"n":9,"claim":"md13159-34bf6af7","page_group":"Chapter IV. 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 52","rbi_char_offset":197821,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p68","layer":"bankpulse"},{"n":10,"claim":"md13159-0202a31e","page_group":"Chapter IV. 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 52","rbi_char_offset":199479,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p69","layer":"bankpulse"},{"n":11,"claim":"md13159-0041a34e","page_group":"Chapter IV. 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 61","rbi_char_offset":203940,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p70","layer":"bankpulse"},{"n":12,"claim":"md13159-b911bc31","page_group":"Chapter IV. 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 61","rbi_char_offset":204025,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p71","layer":"bankpulse"},{"n":13,"claim":"md13159-350a8266","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Bad housing loans","plain_english":"A housing loan that turns bad carries 100 per cent, after taking off provisions.","rbi_paragraph":"Para 68","rbi_char_offset":206447,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["housing-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p72","layer":"bankpulse"},{"n":14,"claim":"md13159-e8890c62","page_group":"Chapter IV. 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 68","rbi_char_offset":206795,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p73","layer":"bankpulse"},{"n":15,"claim":"md13159-78aec7ff","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Alternate investment funds","plain_english":"A claim on an alternate investment fund carries a 150 per cent risk weight.","rbi_paragraph":"Para 69","rbi_char_offset":206929,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p74","layer":"bankpulse"},{"n":16,"claim":"md13159-977c8433","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"WHAT CHANGES","heading":"Consumer credit at 125","plain_english":"Consumer credit, including personal loans, carries a 125 per cent risk weight.","rbi_paragraph":"Para 71","rbi_char_offset":207305,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["personal-loan"],"products_excluded":["education-loan","gold-loan","housing-loan","vehicle-loan"],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p75","layer":"bankpulse"},{"n":17,"claim":"md13159-a4e44885","page_group":"Chapter IV. 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 71","rbi_char_offset":207511,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["microfinance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p76","layer":"bankpulse"},{"n":18,"claim":"md13159-22298224","page_group":"Chapter IV. 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 71","rbi_char_offset":207695,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p77","layer":"bankpulse"},{"n":19,"claim":"md13159-eba1794f","page_group":"Chapter IV. 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 71","rbi_char_offset":208173,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p78","layer":"bankpulse"},{"n":20,"claim":"md13159-b77a2ce2","page_group":"Chapter IV. 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 72","rbi_char_offset":208296,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["advance-against-securities"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p79","layer":"bankpulse"},{"n":21,"claim":"md13159-b33ece27","page_group":"Chapter IV. 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 73(8)","rbi_char_offset":209267,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p80","layer":"bankpulse"},{"n":22,"claim":"md13159-e5250349","page_group":"Chapter IV. 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 79","rbi_char_offset":211859,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p81","layer":"bankpulse"},{"n":23,"claim":"md13159-3d7185cb","page_group":"Chapter IV. 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 80","rbi_char_offset":212537,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p82","layer":"bankpulse"},{"n":24,"claim":"md13159-cca228cc","page_group":"Chapter IV. 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 81","rbi_char_offset":212705,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p83","layer":"bankpulse"},{"n":25,"claim":"md13159-b79228db","page_group":"Chapter IV. 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 84(8)","rbi_char_offset":225490,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p84","layer":"bankpulse"},{"n":26,"claim":"md13159-3cd1d70d","page_group":"Chapter IV. 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 86(6)","rbi_char_offset":254778,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p85","layer":"bankpulse"},{"n":27,"claim":"md13159-4704c6a5","page_group":"Chapter IV. 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 86(7)","rbi_char_offset":259343,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p86","layer":"bankpulse"},{"n":28,"claim":"md13159-c8b876fd","page_group":"Chapter IV. 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 87(2)","rbi_char_offset":266874,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p87","layer":"bankpulse"},{"n":29,"claim":"md13159-aa54b3a6","page_group":"Chapter IV. 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 96(2)","rbi_char_offset":273350,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p88","layer":"bankpulse"},{"n":30,"claim":"md13159-e162fc0f","page_group":"Chapter IV. 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 96(6)","rbi_char_offset":274404,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p89","layer":"bankpulse"},{"n":31,"claim":"md13159-3e38c357","page_group":"Chapter IV. 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 96(7)","rbi_char_offset":274567,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p90","layer":"bankpulse"},{"n":32,"claim":"md13159-cf027b3d","page_group":"Chapter IV. 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 96(8)","rbi_char_offset":275025,"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/md13159#p91","layer":"bankpulse"},{"n":33,"claim":"md13159-5cec0ba5","page_group":"Chapter IV. 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 84(8)","rbi_char_offset":225229,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p92","layer":"bankpulse"},{"n":34,"claim":"md13159-e88c98f9","page_group":"Chapter IV. 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 31","rbi_char_offset":176923,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p93","layer":"bankpulse"},{"n":35,"claim":"md13159-0deeeb78","page_group":"Chapter IV. 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 32","rbi_char_offset":177097,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["working-capital"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p94","layer":"bankpulse"},{"n":36,"claim":"md13159-5ada5c06","page_group":"Chapter IV. 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 56","rbi_char_offset":202794,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p95","layer":"bankpulse"},{"n":37,"claim":"md13159-4d2dba3b","page_group":"Chapter IV. 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 57","rbi_char_offset":203118,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p96","layer":"bankpulse"},{"n":38,"claim":"md13159-808d0daa","page_group":"Chapter IV. 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 85(3)","rbi_char_offset":231425,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p97","layer":"bankpulse"},{"n":39,"claim":"md13159-9aecdd58","page_group":"Chapter IV. 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 88","rbi_char_offset":267822,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p98","layer":"bankpulse"},{"n":40,"claim":"md13159-1fb8cc26","page_group":"Chapter IV. 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 149","rbi_char_offset":339122,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p99","layer":"bankpulse"},{"n":41,"claim":"md13159-e38ccb5d","page_group":"Chapter IV. Risk weighted assets (RWAs)","stored_section":"THE CORE IDEA","heading":"Market and operational risk","plain_english":"Unlike the smaller bank groups, these banks hold capital for operational risk as well.","rbi_paragraph":"Para 214","rbi_char_offset":452437,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p100","layer":"bankpulse"},{"n":1,"claim":"md13159-0d46c5c8","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 232(2)","rbi_char_offset":491991,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p101","layer":"bankpulse"},{"n":2,"claim":"md13159-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 233(2)","rbi_char_offset":492226,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p102","layer":"bankpulse"},{"n":3,"claim":"md13159-7e0fd619","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 224","rbi_char_offset":459364,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p103","layer":"bankpulse"},{"n":4,"claim":"md13159-b6ea8770","page_group":"Chapter V. Supervisory Review and Evaluation Process (SREP) and Market Discipline","stored_section":"WHO SHOULD ACT","heading":"Assessment at every level","plain_english":"That assessment is prepared for each entity in the group and for the group itself.","rbi_paragraph":"Para 228(2)","rbi_char_offset":471331,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p104","layer":"bankpulse"},{"n":5,"claim":"md13159-3d79f5d4","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 228(4)","rbi_char_offset":472721,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p105","layer":"bankpulse"},{"n":1,"claim":"md13159-c017cbf5","page_group":"Chapter VI. Capital buffers","stored_section":"WHAT CHANGES","heading":"Extra capital for big banks","plain_english":"A systemically important bank carries an extra charge, held in core capital.","rbi_paragraph":"Para 253","rbi_char_offset":601681,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p106","layer":"bankpulse"},{"n":2,"claim":"md13159-6b45a51e","page_group":"Chapter VI. Capital buffers","stored_section":"WHAT CHANGES","heading":"Extra charge at both levels","plain_english":"That extra charge applies both to the bank alone and to the group.","rbi_paragraph":"Para 254","rbi_char_offset":602071,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p107","layer":"bankpulse"},{"n":3,"claim":"md13159-7cdf4799","page_group":"Chapter VI. Capital buffers","stored_section":"WHAT CHANGES","heading":"Extra charge extends the buffer","plain_english":"The extra charge works as an extension of the buffer described above.","rbi_paragraph":"Para 255","rbi_char_offset":602244,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p108","layer":"bankpulse"},{"n":1,"claim":"md13159-a11d1ced","page_group":"Chapter VII. Leverage ratio framework","stored_section":"WHAT CHANGES","heading":"Leverage ratio floors","plain_english":"The leverage floor is 4 per cent for a systemically important bank and 3.5 per cent for others.","rbi_paragraph":"Para 262","rbi_char_offset":613532,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p109","layer":"bankpulse"},{"n":2,"claim":"md13159-da67b11a","page_group":"Chapter VII. 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 262","rbi_char_offset":613789,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p110","layer":"bankpulse"},{"n":3,"claim":"md13159-e623225d","page_group":"Chapter VII. 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 262","rbi_char_offset":613662,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p111","layer":"bankpulse"},{"n":1,"claim":"md13159-eca34fc9","page_group":"Chapter VIII. Repeal and Other provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier capital rules for commercial banks.","rbi_paragraph":"Para 272","rbi_char_offset":650106,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p112","layer":"bankpulse"},{"n":2,"claim":"md13159-1b732d95","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 272","rbi_char_offset":650342,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p113","layer":"bankpulse"},{"n":3,"claim":"md13159-540a91a0","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 273","rbi_char_offset":650458,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p114","layer":"bankpulse"},{"n":4,"claim":"md13159-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 273","rbi_char_offset":650640,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13159#p115","layer":"bankpulse"},{"n":5,"claim":"md13159-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 274","rbi_char_offset":651536,"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/md13159#p116","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13200","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2025","date":"Dec 04, 2025","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13200&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13265","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Amendment Directions, 2026","date":"Jan 09, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13265&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13326","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Third Amendment Directions, 2026","date":"Mar 10, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13326&Mode=0","order":3,"layer":"rbi_source"},{"id":"nt13348","title":"Reserve Bank of India (Commercial 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=13348&Mode=0","order":4,"layer":"rbi_source"},{"id":"nt13387","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Fourth Amendment Directions, 2026","date":"Apr 27, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13387&Mode=0","order":5,"layer":"rbi_source"},{"id":"nt13446","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Fifth Amendment Directions, 2026","date":"May 08, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13446&Mode=0","order":6,"layer":"rbi_source"},{"id":"nt13457","title":"Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Sixth Amendment Directions, 2026","date":"May 18, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13457&Mode=0","order":7,"layer":"rbi_source"},{"id":"nt13480","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Eighth Amendment Directions, 2026","date":"Jun 10, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13480&Mode=0","order":8,"layer":"rbi_source"},{"id":"nt13503","title":"Reserve Bank of India (Commercial Banks- Prudential Norms on Capital Adequacy) Ninth Amendment Directions, 2026","date":"Jun 16, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13503&Mode=0","order":9,"layer":"rbi_source"},{"id":"nt13531","title":"Reserve Bank of India (Commercial Banks - Prudential Norms on Capital Adequacy) Tenth Amendment Directions, 2026","date":"Jun 24, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13531&Mode=0","order":10,"layer":"rbi_source"},{"id":"nt13646","title":"Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Seventh Amendment Directions, 2026","date":"Jul 30, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13646&Mode=0","order":11,"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."}