{"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":"md13160","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13160","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":"md13160","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":"December 15, 2025","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"17 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/md13160.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=13160","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:15:39 UTC","text_sha256":"ce52a4a160d63a81fe181f092088bec28de0b3a012c4dc70e807723296b38981","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":39,"points_naming_an_rbi_paragraph":39,"points_stored":39,"actions":0,"amendments":5},"points":[{"n":1,"claim":"md13160-267a788f","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Form A reporting","plain_english":"Banks must report their CRR to RBI using the statutory return Form A.","rbi_paragraph":"Para 4","rbi_char_offset":3660,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p1","layer":"bankpulse"},{"n":2,"claim":"md13160-21c142e9","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Form VIII reporting","plain_english":"Banks must report their SLR to RBI using the statutory return Form VIII.","rbi_paragraph":"Para 5","rbi_char_offset":3771,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p2","layer":"bankpulse"},{"n":3,"claim":"md13160-27e662d9","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"This rule takes effect immediately.","rbi_paragraph":"Para 2","rbi_char_offset":3129,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p3","layer":"bankpulse"},{"n":4,"claim":"md13160-914b06f1","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"This rule applies to commercial banks, called 'banks' here.","rbi_paragraph":"Para 3","rbi_char_offset":3211,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p4","layer":"bankpulse"},{"n":5,"claim":"md13160-e10180b2","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Meaning of Commercial Banks","plain_english":"Commercial Banks means banks other than Small Finance Banks, Local Area Banks, and Payments Banks.","rbi_paragraph":"Para 3","rbi_char_offset":3404,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p5","layer":"bankpulse"},{"n":6,"claim":"md13160-cd67bc9f","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Half year average used","plain_english":"The average of minimum monthly balances over the half year is treated as time liability.","rbi_paragraph":"Para 6(2)","rbi_char_offset":4592,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p6","layer":"bankpulse"},{"n":1,"claim":"md13160-ebb365d9","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"KEY DATES","heading":"Last CRR step","plain_english":"The last CRR step took effect from the fortnight beginning November 29, 2025.","rbi_paragraph":"Para 9","rbi_char_offset":18114,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p7","layer":"bankpulse"},{"n":2,"claim":"md13160-fd56ac16","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"WHAT CHANGES","heading":"Ninety per cent daily","plain_english":"A scheduled bank must keep at least 90 per cent of the required CRR on every day.","rbi_paragraph":"Para 10","rbi_char_offset":18274,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p8","layer":"bankpulse"},{"n":3,"claim":"md13160-05461d44","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"WHAT CHANGES","heading":"Use the FBIL rate","plain_english":"Foreign assets and liabilities must be converted using the rate announced by FBIL.","rbi_paragraph":"Para 23","rbi_char_offset":27255,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p9","layer":"bankpulse"},{"n":4,"claim":"md13160-3c29d4cc","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"KEY DATES","heading":"Final CRR rate","plain_english":"CRR reached its final rate of 3.0% of NDTL in four steps by late November 2025.","rbi_paragraph":"Para 9","rbi_char_offset":17960,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Suppose a bank has net demand and time liabilities of ₹10,000 crore. It must keep 3.0 per cent of that with RBI, which is ₹300 crore. At the first step of 3.75 per cent it would have kept ₹375 crore.","anchor":"https://bankpulse.ai/rule/md13160#p10","layer":"bankpulse"},{"n":5,"claim":"md13160-284690f3","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"WHAT CHANGES","heading":"Borrowing abroad counts","plain_english":"Loans and borrowings from abroad count as liabilities to others and attract reserve requirements.","rbi_paragraph":"Para 14","rbi_char_offset":19389,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p11","layer":"bankpulse"},{"n":6,"claim":"md13160-44d67711","page_group":"Chapter II. Cash Reserve Ratio (CRR)","stored_section":"WHAT CHANGES","heading":"What is left out","plain_english":"Paid up capital, reserves and certain borrowings are not liabilities for CRR and SLR.","rbi_paragraph":"Para 19","rbi_char_offset":20914,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p12","layer":"bankpulse"},{"n":1,"claim":"md13160-de2b2487","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"18 percent SLR floor","plain_english":"SLR must stay at least 18% of a bank's total demand and time liabilities every day.","rbi_paragraph":"Para 25","rbi_char_offset":28534,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p13","layer":"bankpulse"},{"n":2,"claim":"md13160-7d207908","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Two per cent shortfall","plain_english":"An SLR shortfall of up to two per cent of NDTL needs no specific waiver.","rbi_paragraph":"Para 26(3)","rbi_char_offset":29294,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p14","layer":"bankpulse"},{"n":3,"claim":"md13160-2ec48112","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Standing facility not for CRR","plain_english":"Standing deposit facility balances cannot be counted towards the cash reserve ratio.","rbi_paragraph":"Para 28(1)","rbi_char_offset":34016,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p15","layer":"bankpulse"},{"n":4,"claim":"md13160-af6a359f","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Hold securities in ledger","plain_english":"Government securities must be held only in SGL accounts with the Reserve Bank or in CSGL accounts.","rbi_paragraph":"Para 28(1)","rbi_char_offset":33407,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p16","layer":"bankpulse"},{"n":5,"claim":"md13160-7a74ebf4","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Marginal Standing Facility","plain_english":"Banks can borrow up to 2% of their NDTL under the Marginal Standing Facility.","rbi_paragraph":"Para 26(1)","rbi_char_offset":29015,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p17","layer":"bankpulse"},{"n":6,"claim":"md13160-2aa5cbf5","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Government repo exempt","plain_english":"Funds borrowed under repo in government securities are outside CRR and SLR computation.","rbi_paragraph":"Para 28(6)","rbi_char_offset":32796,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p18","layer":"bankpulse"},{"n":7,"claim":"md13160-c9fc5775","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Repo in bonds counts","plain_english":"Borrowing through repo in corporate bonds and debentures counts as a liability for CRR and SLR.","rbi_paragraph":"Para 28(6)","rbi_char_offset":33110,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p19","layer":"bankpulse"},{"n":8,"claim":"md13160-1a1923a7","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Standing facility counts for SLR","plain_english":"Balances kept with the Reserve Bank under the standing deposit facility qualify as SLR assets.","rbi_paragraph":"Para 28(1)","rbi_char_offset":33895,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p20","layer":"bankpulse"},{"n":9,"claim":"md13160-2e8b9eeb","page_group":"Chapter III. Statutory Liquidity Ratio (SLR)","stored_section":"WHAT CHANGES","heading":"Cash management bill qualifies","plain_english":"A cash management bill is treated as a treasury bill and counts as an SLR security.","rbi_paragraph":"Para 28(7)","rbi_char_offset":34765,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p21","layer":"bankpulse"},{"n":1,"claim":"md13160-ba4d518f","page_group":"Chapter IV. Procedure for computation of SLR","stored_section":"WHAT CHANGES","heading":"Value securities by rule","plain_english":"Approved securities must be classified and valued under the investment directions.","rbi_paragraph":"Para 30","rbi_char_offset":35829,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p22","layer":"bankpulse"},{"n":1,"claim":"md13160-5479b4a4","page_group":"Chapter V. Reporting","stored_section":"KEY DATES","heading":"New filing dates set","plain_english":"Fortnightly Form A filing starts December 15, 2025 and monthly Form VIII from December 2025.","rbi_paragraph":"Para 37(2)","rbi_char_offset":39500,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p23","layer":"bankpulse"},{"n":2,"claim":"md13160-c5daeca6","page_group":"Chapter V. Reporting","stored_section":"KEY DATES","heading":"Old form for December","plain_english":"Banks must also file the Form A return for December 12, 2025 under the old structure.","rbi_paragraph":"Para 37(2)","rbi_char_offset":40859,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p24","layer":"bankpulse"},{"n":3,"claim":"md13160-b9bc8140","page_group":"Chapter V. Reporting","stored_section":"KEY DATES","heading":"Full CRR in transition","plain_english":"During the transition period banks must keep the whole of the required CRR.","rbi_paragraph":"Para 37(2)","rbi_char_offset":40738,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p25","layer":"bankpulse"},{"n":4,"claim":"md13160-7713ac37","page_group":"Chapter V. Reporting","stored_section":"WHO SHOULD ACT","heading":"Daily SLR statement filed","plain_english":"A scheduled bank must file a daily position of SLR assets as an annex to Form VIII.","rbi_paragraph":"Para 40","rbi_char_offset":41548,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p26","layer":"bankpulse"},{"n":5,"claim":"md13160-e6f7fbd7","page_group":"Chapter V. Reporting","stored_section":"WHAT CHANGES","heading":"No special Form A","plain_english":"There is no longer any provisional, final or special Form A return.","rbi_paragraph":"Para 37(2)","rbi_char_offset":39231,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p27","layer":"bankpulse"},{"n":1,"claim":"md13160-a96ee795","page_group":"Chapter VI. Penalties","stored_section":"WHO SHOULD ACT","heading":"Director fines","plain_english":"A bank director who knowingly lets a CRR default continue can be fined up to ₹500 per fortnight.","rbi_paragraph":"Para 44(1)","rbi_char_offset":43630,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"Suppose the default runs for four fortnights after the first. The first fine may be up to ₹500. A further ₹500 may be added for each of those four fortnights, which is ₹2,000 more.","anchor":"https://bankpulse.ai/rule/md13160#p28","layer":"bankpulse"},{"n":2,"claim":"md13160-8717a3bd","page_group":"Chapter VI. Penalties","stored_section":"WHAT CHANGES","heading":"Late return draws penalty","plain_english":"Failure to submit the return, or late submission, attracts penalties under the RBI Act.","rbi_paragraph":"Para 45","rbi_char_offset":44428,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p29","layer":"bankpulse"},{"n":3,"claim":"md13160-e045dd09","page_group":"Chapter VI. Penalties","stored_section":"WHO SHOULD ACT","heading":"Explain every CRR default","plain_english":"A bank must report the date, amount, percentage and reason for any CRR default.","rbi_paragraph":"Para 43","rbi_char_offset":43090,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p30","layer":"bankpulse"},{"n":4,"claim":"md13160-ef4dac13","page_group":"Chapter VI. Penalties","stored_section":"WHO SHOULD ACT","heading":"Continued-shortfall penalty","plain_english":"If a bank's CRR shortfall continues to the next day, penal interest rises to 5% above the Bank Rate.","rbi_paragraph":"Para 42(1)","rbi_char_offset":42798,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p31","layer":"bankpulse"},{"n":5,"claim":"md13160-9f6af0cc","page_group":"Chapter VI. Penalties","stored_section":"WHO SHOULD ACT","heading":"Licence cancellation risk","plain_english":"RBI can cancel a bank's licence if it keeps defaulting on SLR despite warnings.","rbi_paragraph":"Para 48","rbi_char_offset":45052,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p32","layer":"bankpulse"},{"n":1,"claim":"md13160-5972649e","page_group":"Chapter VII. Repeal And Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier conduct rules for these institutions.","rbi_paragraph":"Para 49","rbi_char_offset":45998,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p33","layer":"bankpulse"},{"n":2,"claim":"md13160-5b58d0f9","page_group":"Chapter VII. Repeal And Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier repeals stand","plain_english":"Guidelines already repealed before these Directions stay repealed.","rbi_paragraph":"Para 49","rbi_char_offset":46071,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p34","layer":"bankpulse"},{"n":3,"claim":"md13160-8334d341","page_group":"Chapter VII. 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 49","rbi_char_offset":46129,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p35","layer":"bankpulse"},{"n":4,"claim":"md13160-7fbea917","page_group":"Chapter VII. 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 50","rbi_char_offset":46260,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p36","layer":"bankpulse"},{"n":5,"claim":"md13160-ae84b68d","page_group":"Chapter VII. 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 50","rbi_char_offset":46450,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p37","layer":"bankpulse"},{"n":6,"claim":"md13160-fa8926bd","page_group":"Chapter VII. 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 51","rbi_char_offset":47318,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p38","layer":"bankpulse"},{"n":7,"claim":"md13160-13edf821","page_group":"Chapter VII. Repeal And Other Provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading final","plain_english":"RBI's interpretation of any part of these Directions is final and binding.","rbi_paragraph":"Para 52","rbi_char_offset":47768,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13160#p39","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13224","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2025","date":"Dec 11, 2025","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13224&Mode=0","order":1,"layer":"rbi_source"},{"id":"nt13281","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Amendment Directions, 2026","date":"Jan 22, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13281&Mode=0","order":2,"layer":"rbi_source"},{"id":"nt13471","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Second Amendment Directions, 2026","date":"Jun 08, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13471&Mode=0","order":3,"layer":"rbi_source"},{"id":"nt13516","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Third Amendment Directions, 2026","date":"Jun 19, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13516&Mode=0","order":4,"layer":"rbi_source"},{"id":"nt13680","title":"Reserve Bank of India (Commercial Banks – Cash Reserve Ratio and Statutory Liquidity Ratio) Fourth Amendment Directions, 2026","date":"Aug 25, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13680&Mode=0","order":5,"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."}