{"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":"md13362","title":"Master Direction – Facility for Exchange of Notes and Coins","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/md13362","status":"In force","importance":{"code":"FYI","label":"FOR INFORMATION","weight":"For information","why":"General RBI update: no desk rule matched — read the source if it touches your work","layer":"bankpulse_inference"},"applies_to":{"shown":"All regulated entities","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13362","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 01, 2026","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/md13362.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13362","document_date":"Apr 01, 2026","read_by_bankpulse":"2026-08-21 16:29:08 UTC","text_sha256":"4a293c656db423ab201705ba8a57bda94c010a11073d35187c6b5bd93689d793","word_count":4133,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":32,"points_naming_an_rbi_paragraph":32,"points_stored":32,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13362-55a62a39","page_group":"Must know","stored_section":"WHO IT APPLIES TO","heading":"Facility open to everyone","plain_english":"Every branch must offer this facility to customers and non-customers alike.","rbi_paragraph":"Para 1","rbi_char_offset":4976,"weight":"MUST 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KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p13","layer":"bankpulse"},{"n":14,"claim":"md13362-52c3c3a5","page_group":"Must know","stored_section":"SOILED AND MUTILATED NOTES","heading":"Few mutilated notes paid fast","plain_english":"Up to 10 mutilated notes are paid over the counter after adjudication.","rbi_paragraph":"Para 6","rbi_char_offset":12262,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p14","layer":"bankpulse"},{"n":15,"claim":"md13362-739098d4","page_group":"Must know","stored_section":"SOILED AND MUTILATED NOTES","heading":"Bulk mutilated notes, 10 pieces","plain_english":"More than 10 mutilated notes, or over ₹5,000, are accepted against a receipt.","rbi_paragraph":"Para 6","rbi_char_offset":12533,"weight":"MUST 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IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p25","layer":"bankpulse"},{"n":2,"claim":"md13362-8a2d4008","page_group":"Do it","stored_section":"CUSTOMER SERVICE","heading":"One bag of coins","plain_english":"Every branch should keep at least one bag of coins in each denomination.","rbi_paragraph":"Para 8","rbi_char_offset":14279,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p26","layer":"bankpulse"},{"n":3,"claim":"md13362-c5d0add6","page_group":"Do it","stored_section":"BANK'S OWN DUTIES","heading":"Quarterly report to RBI","plain_english":"Currency Chest branches must send RBI a quarterly note-adjudication statement.","rbi_paragraph":"Para 11","rbi_char_offset":19864,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p27","layer":"bankpulse"},{"n":4,"claim":"md13362-ef806251","page_group":"Do it","stored_section":"BANK'S OWN DUTIES","heading":"Officers must attend training","plain_english":"Prescribed Officers must attend RBI's training programmes on adjudication.","rbi_paragraph":"Para 12","rbi_char_offset":20319,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13362#p28","layer":"bankpulse"},{"n":5,"claim":"md13362-2f3e5365","page_group":"Do it","stored_section":"BANK'S OWN DUTIES","heading":"Notice board is required","plain_english":"Every branch must display a notice board about the exchange facility.","rbi_paragraph":"Para 13","rbi_char_offset":20442,"weight":"DO 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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."}