{"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":"md13202","title":"Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13202","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":"Rural co-operative banks","class_code":"RURAL_COOP","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13202","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":"May 11, 2021","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"None","stated":true,"why":"The start date RBI gave is before the day this document was published."},"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/md13202.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=13202","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:20:09 UTC","text_sha256":"b29a86cab940d94248a5129b5cd113038147bb66ecc4694effe54d779a154db8","word_count":7067,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":29,"points_naming_an_rbi_paragraph":29,"points_stored":29,"actions":0,"amendments":1},"points":[{"n":1,"claim":"md13202-acebbb37","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"One combined rulebook","plain_english":"This book holds RBI's mixed rules for rural co-operative banks in one place.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":3849,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p1","layer":"bankpulse"},{"n":1,"claim":"md13202-a2a8948e","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"The rules took effect at once, from 28 November 2025.","rbi_paragraph":"Para 2","rbi_char_offset":4085,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p2","layer":"bankpulse"},{"n":2,"claim":"md13202-6037c5ea","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules apply to every rural co-operative bank.","rbi_paragraph":"Para 3","rbi_char_offset":4167,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p3","layer":"bankpulse"},{"n":3,"claim":"md13202-36d7a4c0","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Which co-operatives count","plain_english":"Rural co-operative banks here mean State Co-operative Banks and Central Co-operative Banks.","rbi_paragraph":"Para 3","rbi_char_offset":4340,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["agriculture-loan"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p4","layer":"bankpulse"},{"n":1,"claim":"md13202-7aff64fe","page_group":"Chapter II. Role of the Board","stored_section":"WHO SHOULD ACT","heading":"Board-approved policies","plain_english":"The board must approve policies on donations, staff certificates and sensitive posts.","rbi_paragraph":"Para 6","rbi_char_offset":5106,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p5","layer":"bankpulse"},{"n":1,"claim":"md13202-6338032a","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Ten-year unclaimed rule","plain_english":"Money left untouched for ten years or more goes to the RBI Fund.","rbi_paragraph":"Para 8(5)","rbi_char_offset":6435,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p6","layer":"bankpulse"},{"n":2,"claim":"md13202-c1d13bb0","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Interest on Fund deposits","plain_english":"Since 11 May 2021, banks pay 3 percent interest on such deposits.","rbi_paragraph":"Para 14","rbi_char_offset":8796,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p7","layer":"bankpulse"},{"n":3,"claim":"md13202-78301596","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"KEY DATES","heading":"Monthly Fund transfer","plain_english":"Banks send unclaimed money to the Fund in the last five working days of a month.","rbi_paragraph":"Para 18","rbi_char_offset":15013,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p8","layer":"bankpulse"},{"n":4,"claim":"md13202-5e31da79","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"KEY DATES","heading":"Refund claim window","plain_english":"Banks file refund claims in the first 10 working days of each month.","rbi_paragraph":"Para 19(2)","rbi_char_offset":17392,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p9","layer":"bankpulse"},{"n":5,"claim":"md13202-ed8f015c","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHO SHOULD ACT","heading":"Report errors at once","plain_english":"A bank tells RBI of any error at once. It gives the reason and the checks it has added. It also assures RBI that the error will not happen again.","rbi_paragraph":"Para 22","rbi_char_offset":20963,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p10","layer":"bankpulse"},{"n":6,"claim":"md13202-b24f4c72","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Post-refund record keeping","plain_english":"After a refund, the bank keeps those papers for at least five years.","rbi_paragraph":"Para 27","rbi_char_offset":27100,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p11","layer":"bankpulse"},{"n":7,"claim":"md13202-8cb51201","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"KEY DATES","heading":"Auditor certificate deadline","plain_english":"The statutory auditor's yearly certificate must reach RBI by 30 September.","rbi_paragraph":"Para 23(4)","rbi_char_offset":25006,"weight":"DO IT","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p12","layer":"bankpulse"},{"n":8,"claim":"md13202-98f3efe4","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHO SHOULD ACT","heading":"Answer RBI on demand","plain_english":"RBI or the Committee may ask. The bank must then pay what is due. It must also give any information they seek on unclaimed amounts.","rbi_paragraph":"Para 28","rbi_char_offset":27208,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p13","layer":"bankpulse"},{"n":9,"claim":"md13202-d746d897","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Fund pays for awareness","plain_english":"Money spent on depositor education, awareness and interests is charged to the Fund.","rbi_paragraph":"Para 11","rbi_char_offset":7274,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p14","layer":"bankpulse"},{"n":10,"claim":"md13202-7e9ec9a6","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHO SHOULD ACT","heading":"Pay the depositor first","plain_english":"If a depositor asks for the money, the bank repays him and then lodges a refund claim with the Fund.","rbi_paragraph":"Para 12","rbi_char_offset":7504,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p15","layer":"bankpulse"},{"n":11,"claim":"md13202-57202bc3","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Fund account operators","plain_english":"A bank may name up to 10 officers to operate its Fund account.","rbi_paragraph":"Para 17","rbi_char_offset":13686,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p16","layer":"bankpulse"},{"n":12,"claim":"md13202-51492799","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHO SHOULD ACT","heading":"Maker-checker rule","plain_english":"Every Fund deposit and claim entry needs a maker and a checker.","rbi_paragraph":"Para 21","rbi_char_offset":20842,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p17","layer":"bankpulse"},{"n":13,"claim":"md13202-1fbcfd06","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHO SHOULD ACT","heading":"Returns go in original","plain_english":"The specified auditors certify the returns. The bank sends the original to the Fund at RBI's Central Office. It sends a copy by email as well.","rbi_paragraph":"Para 23","rbi_char_offset":21197,"weight":"BACKGROUND","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p18","layer":"bankpulse"},{"n":14,"claim":"md13202-d2f6ef3a","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"KEY DATES","heading":"Reconciliation certificate dates","plain_english":"The reconciliation certificate is due by 30 April and 31 October.","rbi_paragraph":"Para 23(3)","rbi_char_offset":23913,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p19","layer":"bankpulse"},{"n":15,"claim":"md13202-58aa9014","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"Audited before and after","plain_english":"Every Fund entry is audited before and after submission and signed by both authorised signatories and the auditors.","rbi_paragraph":"Para 25","rbi_char_offset":25683,"weight":"BACKGROUND","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p20","layer":"bankpulse"},{"n":16,"claim":"md13202-f629a0cd","page_group":"Chapter III. Depositor Education and Awareness Fund","stored_section":"WHAT CHANGES","heading":"The Scheme decides","plain_english":"For anything else the bank follows the Scheme notified in the Official Gazette, and RBI's reading of it is final.","rbi_paragraph":"Para 30","rbi_char_offset":27892,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p21","layer":"bankpulse"},{"n":1,"claim":"md13202-f6170781","page_group":"Chapter IV. Services and Market Operations","stored_section":"WHO SHOULD ACT","heading":"Hold KYC camps","plain_english":"Banks are advised to run camps and campaigns for periodic KYC updation, especially at rural and semi-urban branches.","rbi_paragraph":"Para 31","rbi_char_offset":28251,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p22","layer":"bankpulse"},{"n":1,"claim":"md13202-5b3aee8b","page_group":"Chapter V. Regulatory Compliance and Legal Matters","stored_section":"WHAT CHANGES","heading":"Do not quote that circular","plain_english":"The RBI circular of 6 April 2018 was set aside by the Supreme Court and must not be cited or quoted.","rbi_paragraph":"Para 37","rbi_char_offset":33700,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p23","layer":"bankpulse"},{"n":1,"claim":"md13202-8fd950c8","page_group":"Chapter VI. Financial Conduct and Prohibited Activities","stored_section":"WHO SHOULD ACT","heading":"No lottery ties","plain_english":"A bank must not tie itself to any lottery scheme.","rbi_paragraph":"Para 43","rbi_char_offset":37655,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p24","layer":"bankpulse"},{"n":1,"claim":"md13202-263e0853","page_group":"Chapter VII. Operational and Administrative Matters","stored_section":"WHAT CHANGES","heading":"Mandatory leave rule","plain_english":"Staff in sensitive posts must take at least 10 working days leave each year.","rbi_paragraph":"Para 46","rbi_char_offset":38595,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p25","layer":"bankpulse"},{"n":2,"claim":"md13202-5bb52245","page_group":"Chapter VII. Operational and Administrative Matters","stored_section":"WHAT CHANGES","heading":"No work while on leave","plain_english":"An employee on mandatory leave may not reach any work resource, apart from ordinary corporate email.","rbi_paragraph":"Para 47","rbi_char_offset":38812,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p26","layer":"bankpulse"},{"n":1,"claim":"md13202-cabac1d7","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Old instructions repealed","plain_english":"The earlier directions and guidelines on these subjects stand repealed by the circular of 28 November 2025.","rbi_paragraph":"Para 55","rbi_char_offset":42735,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A compliance officer keeps an old circular on the same subject in the manual. It no longer applies. The existing directions, instructions and guidelines on these areas stand repealed. Only this rulebook governs them now.","anchor":"https://bankpulse.ai/rule/md13202#p27","layer":"bankpulse"},{"n":2,"claim":"md13202-8a2684ab","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier repeals stand","plain_english":"Rules already repealed before this book stay repealed.","rbi_paragraph":"Para 55","rbi_char_offset":43019,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13202#p28","layer":"bankpulse"},{"n":3,"claim":"md13202-9d276afe","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT CHANGES","heading":"Adds to other law","plain_english":"These rules add to other laws, rules and directions in force; they do not take anything away from them.","rbi_paragraph":"Para 57","rbi_char_offset":44222,"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/md13202#p29","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13190","title":"Reserve Bank of India (Rural Co-operative Banks – Miscellaneous) (Amendment) Directions, 2025","date":"Dec 04, 2025","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13190&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."}