{"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":"md13399","title":"Reserve Bank of India (Commercial Banks - Capital Charge for Credit Risk – Standardised Approach) Directions, 2026 (Effective from April 1, 2027)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13399","status":"In force from 1 April 2027","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":"md13399","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 27, 2026","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"April 01, 2027","stated":true,"why":"The day this rule starts to apply, as RBI's own text states it."},"transition":{"label":"Time to get ready","value":"339 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/md13399.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=13399","document_date":"Apr 27, 2026","read_by_bankpulse":"2026-08-21 16:29:00 UTC","text_sha256":"664de5cf8a33290dece435596f632f749229474ba2b2dcedec51d94e80abd10e","word_count":23396,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":80,"points_naming_an_rbi_paragraph":80,"points_stored":80,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13399-50250362","page_group":"Must know","stored_section":"KEY DATES","heading":"From April 2027","plain_english":"These instructions come into force from April 01, 2027.","rbi_paragraph":"Para 2","rbi_char_offset":4804,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13399#p1","layer":"bankpulse"},{"n":2,"claim":"md13399-5ed745f2","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"Never below the rating","plain_english":"A bank's own check may never produce a weight below the rating based one.","rbi_paragraph":"Para 6","rbi_char_offset":14450,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13399#p2","layer":"bankpulse"},{"n":3,"claim":"md13399-75edd628","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"States differ when guaranteeing","plain_english":"Direct state government loans weigh zero, but state guaranteed claims weigh 20 per cent.","rbi_paragraph":"Para 7","rbi_char_offset":15790,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank holds a loan that a state government has guaranteed. That claim must carry a risk weight of 20 per cent. So a guaranteed claim is not treated the same as a direct one.","anchor":"https://bankpulse.ai/rule/md13399#p3","layer":"bankpulse"},{"n":4,"claim":"md13399-68e96dad","page_group":"Must know","stored_section":"KEY DATES","heading":"New schemes, faster claims","plain_english":"Schemes launched on or after September 7, 2022 face extra claim speed conditions.","rbi_paragraph":"Para 7","rbi_char_offset":17623,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13399#p4","layer":"bankpulse"},{"n":5,"claim":"md13399-89eb131a","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"Thirty days to settle","plain_english":"Those newer schemes must settle eligible guaranteed claims within thirty days of filing.","rbi_paragraph":"Para 7","rbi_char_offset":17891,"weight":"MUST KNOW","role":"All 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