{"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":"md13442","title":"Reserve Bank of India [Disbursement of Government Pension by Agency Banks (ABs)] Directions, 2026 (Updated as on June 24, 2026)","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13442","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding instrument, class not named: applies broadly","layer":"bankpulse_inference"},"applies_to":{"shown":"All regulated entities","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13442","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 30, 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/md13442.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13442","document_date":"Apr 30, 2026","read_by_bankpulse":"2026-08-21 16:28:58 UTC","text_sha256":"5570f340295a3e45ef12948aa90743dd7ff77cc000e73fe6ff654776f1e8b312","word_count":3902,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":34,"points_naming_an_rbi_paragraph":34,"points_stored":34,"actions":0,"amendments":1},"points":[{"n":1,"claim":"md13442-676ce2de","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Applies to pension-paying Agency Banks","plain_english":"This rule covers only Agency Banks authorised to pay government pension.","rbi_paragraph":"Para 3","rbi_char_offset":4479,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p1","layer":"bankpulse"},{"n":2,"claim":"md13442-32464485","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Called the 2026 Directions","plain_english":"This rulebook is the 2026 Directions on pension paid by Agency Banks.","rbi_paragraph":"Para 1","rbi_char_offset":4258,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p2","layer":"bankpulse"},{"n":3,"claim":"md13442-a2a8948e","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Effective immediately","plain_english":"The rule started the day RBI issued it.","rbi_paragraph":"Para 2","rbi_char_offset":4397,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p3","layer":"bankpulse"},{"n":4,"claim":"md13442-d5079fa6","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What an Agency Bank is","plain_english":"Agency Banks are public sector, private, payments and small finance banks that RBI appoints under Section 45.","rbi_paragraph":"Para 4(1)","rbi_char_offset":4777,"weight":"BACKGROUND","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p4","layer":"bankpulse"},{"n":5,"claim":"md13442-b53d0a8d","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What Jeevan Pramaan is","plain_english":"Jeevan Pramaan is a biometric digital life-certificate service for government pensioners.","rbi_paragraph":"Para 4(2)","rbi_char_offset":5079,"weight":"BACKGROUND","role":"Pensioner Service","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p5","layer":"bankpulse"},{"n":1,"claim":"md13442-7bf120b2","page_group":"Chapter II. Implementation of Government Orders","stored_section":"WHAT CHANGES","heading":"Banks must act on DR","plain_english":"Banks must act quickly on Dearness Relief orders they get by post, fax, email or the government's website.","rbi_paragraph":"Para 5","rbi_char_offset":5860,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p6","layer":"bankpulse"},{"n":2,"claim":"md13442-aba4beee","page_group":"Chapter II. Implementation of Government Orders","stored_section":"WHAT CHANGES","heading":"Follow every government order now","plain_english":"Banks must follow every Central and State government order at once, without waiting for RBI.","rbi_paragraph":"Para 6","rbi_char_offset":6121,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p7","layer":"bankpulse"},{"n":3,"claim":"md13442-745049fd","page_group":"Chapter II. Implementation of Government Orders","stored_section":"WHAT CHANGES","heading":"Pension paid on PSA's orders","plain_english":"Banks pay pension only on the orders given by the Pension Sanctioning Authority.","rbi_paragraph":"Para 7","rbi_char_offset":6384,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p8","layer":"bankpulse"},{"n":4,"claim":"md13442-915759b8","page_group":"Chapter II. Implementation of Government Orders","stored_section":"WHAT CHANGES","heading":"Old order relay stopped","plain_english":"RBI no longer forwards Dearness Relief orders to banks; banks must track government websites themselves.","rbi_paragraph":"Para 5","rbi_char_offset":5740,"weight":"BACKGROUND","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p9","layer":"bankpulse"},{"n":1,"claim":"md13442-f00bc58d","page_group":"Chapter III. Recovery and Refund of Excess Pension Payment","stored_section":"WHAT CHANGES","heading":"Bank errors refunded at once","plain_english":"If a bank's own error overpays a pensioner, the bank must refund the government at once.","rbi_paragraph":"Para 8(i)","rbi_char_offset":7230,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p10","layer":"bankpulse"},{"n":2,"claim":"md13442-5e434a45","page_group":"Chapter III. Recovery and Refund of Excess Pension Payment","stored_section":"WHAT CHANGES","heading":"Board policy on excess recovery","plain_english":"Every bank needs a board-approved policy on recovering wrongly paid pension, with a cut-off period.","rbi_paragraph":"Para 8(iii)","rbi_char_offset":7699,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p11","layer":"bankpulse"},{"n":3,"claim":"md13442-63fc47e3","page_group":"Chapter III. Recovery and Refund of Excess Pension Payment","stored_section":"WHAT CHANGES","heading":"Government error recoveries need consent","plain_english":"If a government mistake must be recovered from a pensioner's balance, the bank needs the pensioner's written consent first.","rbi_paragraph":"Para 9","rbi_char_offset":8348,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p12","layer":"bankpulse"},{"n":4,"claim":"md13442-1b2bffe9","page_group":"Chapter III. Recovery and Refund of Excess Pension Payment","stored_section":"WHAT CHANGES","heading":"Doubts go to Government only","plain_english":"If a bank doubts a government instruction, it takes the doubt to that government, not to RBI.","rbi_paragraph":"Para 9","rbi_char_offset":8601,"weight":"BACKGROUND","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p13","layer":"bankpulse"},{"n":1,"claim":"md13442-e9f7a06e","page_group":"Chapter IV. Withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners","stored_section":"WHO SHOULD ACT","heading":"Two witnesses for thumb impression","plain_english":"A thumb impression needs two independent witnesses, one of them a bank official.","rbi_paragraph":"Para 11(a)","rbi_char_offset":9661,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p14","layer":"bankpulse"},{"n":2,"claim":"md13442-e5e3b529","page_group":"Chapter IV. Withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners","stored_section":"WHO SHOULD ACT","heading":"Instructions posted on notice board","plain_english":"Every branch must post these sick-and-disabled-pensioner rules on its notice board.","rbi_paragraph":"Para 12","rbi_char_offset":11229,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p15","layer":"bankpulse"},{"n":3,"claim":"md13442-aca80910","page_group":"Chapter IV. Withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners","stored_section":"WHO SHOULD ACT","heading":"Two pensioner categories for withdrawal","plain_english":"One pensioner category is too ill to sign, but able to give a thumb impression.","rbi_paragraph":"Para 10(a)","rbi_char_offset":9086,"weight":"BACKGROUND","role":"Customer Service","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p16","layer":"bankpulse"},{"n":1,"claim":"md13442-6d02035d","page_group":"Chapter V. Reimbursement of pension payments","stored_section":"WHAT CHANGES","heading":"Link branches file reimbursement claims","plain_english":"Link branches send pension reimbursement claims to RBI's Central Accounts Section in Nagpur.","rbi_paragraph":"Para 13","rbi_char_offset":11788,"weight":"BACKGROUND","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p17","layer":"bankpulse"},{"n":2,"claim":"md13442-80e1d21b","page_group":"Chapter V. Reimbursement of pension payments","stored_section":"WHAT CHANGES","heading":"Single Window speeds reimbursement","plain_english":"The Single Window System settles bank reimbursement claims directly, without going through RBI each time.","rbi_paragraph":"Para 14","rbi_char_offset":12013,"weight":"BACKGROUND","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p18","layer":"bankpulse"},{"n":1,"claim":"md13442-3e383065","page_group":"Chapter VI. Life Certificate","stored_section":"WHAT CHANGES","heading":"Life certificate gets a receipt","plain_english":"Every bank must give a signed receipt when it takes a pensioner's life certificate.","rbi_paragraph":"Para 15","rbi_char_offset":12473,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p19","layer":"bankpulse"},{"n":2,"claim":"md13442-fd609f80","page_group":"Chapter VI. Life Certificate","stored_section":"WHAT CHANGES","heading":"Digital certificates get digital receipts","plain_english":"A pensioner who submits a digital life certificate gets a digital receipt back.","rbi_paragraph":"Para 15","rbi_char_offset":12811,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p20","layer":"bankpulse"},{"n":3,"claim":"md13442-087ad53e","page_group":"Chapter VI. Life Certificate","stored_section":"WHAT CHANGES","heading":"Banks must implement Jeevan Pramaan","plain_english":"Every bank paying government pension must roll out Jeevan Pramaan to all its branches.","rbi_paragraph":"Para 16","rbi_char_offset":13604,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p21","layer":"bankpulse"},{"n":1,"claim":"md13442-8f6be5ac","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"Sympathetic service to elderly pensioners","plain_english":"Banks must treat elderly pensioners with special care and courtesy.","rbi_paragraph":"Para 19","rbi_char_offset":14463,"weight":"MUST KNOW","role":"Customer Service","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p22","layer":"bankpulse"},{"n":2,"claim":"md13442-8704ec02","page_group":"Chapter VII. Customer Service","stored_section":"WHO SHOULD ACT","heading":"Checklist for pension inspections","plain_english":"Auditors get a checklist to inspect pension customer service at each branch.","rbi_paragraph":"Para 20","rbi_char_offset":14855,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p23","layer":"bankpulse"},{"n":3,"claim":"md13442-05ba4e9e","page_group":"Chapter VII. Customer Service","stored_section":"WHO SHOULD ACT","heading":"One officer answers pension complaints","plain_english":"Each bank appoints one or two Nodal Officers per region to track pensioner complaints.","rbi_paragraph":"Para 21","rbi_char_offset":15432,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p24","layer":"bankpulse"},{"n":4,"claim":"md13442-821ba4ad","page_group":"Chapter VII. Customer Service","stored_section":"WHO SHOULD ACT","heading":"Toll-free line for pension queries","plain_english":"Every bank must run a toll-free line, staffed by trained people, for pension complaints.","rbi_paragraph":"Para 22","rbi_char_offset":15984,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p25","layer":"bankpulse"},{"n":5,"claim":"md13442-294ec4c6","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"No new account after death","plain_english":"A bank cannot force a new account on a widow who wants family pension paid into the old joint account.","rbi_paragraph":"Para 23","rbi_char_offset":16236,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p26","layer":"bankpulse"},{"n":6,"claim":"md13442-adcdb39d","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"PPO numbers go on passbooks","plain_english":"Every bank must write the Pension Payment Order number in the pensioner's passbook.","rbi_paragraph":"Para 24","rbi_char_offset":16510,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p27","layer":"bankpulse"},{"n":7,"claim":"md13442-e089549d","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"Pension slips at two events","plain_english":"Banks must issue a pension slip when pension starts and whenever the amount changes.","rbi_paragraph":"Para 25","rbi_char_offset":16978,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p28","layer":"bankpulse"},{"n":8,"claim":"md13442-56b7aa46","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"8 per cent delay compensation","plain_english":"If a bank's own delay costs a pensioner money, the bank pays 8 per cent yearly interest for the delay.","rbi_paragraph":"Para 27","rbi_char_offset":17754,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A pension payment reaches a pensioner five days late because of a bank error. The bank owes 8 per cent yearly interest on that amount for those five days, credited on its own.","anchor":"https://bankpulse.ai/rule/md13442#p29","layer":"bankpulse"},{"n":9,"claim":"md13442-52082f30","page_group":"Chapter VII. Customer Service","stored_section":"WHAT CHANGES","heading":"Compensation paid without a claim","plain_english":"The bank pays this compensation automatically; the pensioner need not ask for it.","rbi_paragraph":"Para 27","rbi_char_offset":18006,"weight":"MUST KNOW","role":"Bank","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p30","layer":"bankpulse"},{"n":1,"claim":"md13442-261a0357","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"This repeals earlier pension rules","plain_english":"This rulebook repeals every earlier RBI instruction on the same subject, listed in its own annex.","rbi_paragraph":"Para 28","rbi_char_offset":18179,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p31","layer":"bankpulse"},{"n":2,"claim":"md13442-1079c38d","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Past actions under old rules","plain_english":"Anything already done under the old, now-repealed rules is still governed by those old rules.","rbi_paragraph":"Para 29","rbi_char_offset":18541,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p32","layer":"bankpulse"},{"n":3,"claim":"md13442-9d276afe","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Other laws still apply","plain_english":"This rulebook adds to other laws; it does not cancel them.","rbi_paragraph":"Para 30","rbi_char_offset":19580,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p33","layer":"bankpulse"},{"n":4,"claim":"md13442-1f001e30","page_group":"Chapter VIII. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"RBI's interpretation is final","plain_english":"If this rulebook's wording is unclear, RBI's own interpretation is the final word.","rbi_paragraph":"Para 31","rbi_char_offset":20087,"weight":"BACKGROUND","role":"Legal","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13442#p34","layer":"bankpulse"}],"actions":[],"amendments":[{"id":"nt13530","title":"Reserve Bank of India [Disbursement of Government Pension by Agency Banks (ABs)] First Amendment Directions, 2026","date":"Jun 24, 2026","rbi_url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13530&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."}