{"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":"md13585","title":"Reserve Bank of India (Non-Banking Financial Companies - Auditor’s Report) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13585","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":"Finance companies","class_code":"NBFC","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13585","mode":"four_dates_v1","published":{"label":"Published","value":"Jul 31, 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/md13585.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13585","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:25:48 UTC","text_sha256":"9db341cb6f91f0cd8dbd4a4ef525c4cb55b3159595997d8baaf89a0b16b49fcb","word_count":2624,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":40,"points_naming_an_rbi_paragraph":40,"points_stored":40,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13585-9db77ee8","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Starts the day issued","plain_english":"These rules start the moment RBI issues them.","rbi_paragraph":"Para 2","rbi_char_offset":3562,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p1","layer":"bankpulse"},{"n":2,"claim":"md13585-2439cbee","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Covers section 45-I(f) companies","plain_english":"It applies to the auditor of any company that counts as an NBFC under RBI's own Act.","rbi_paragraph":"Para 3","rbi_char_offset":3649,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p2","layer":"bankpulse"},{"n":3,"claim":"md13585-90f126a2","page_group":"Chapter I. 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Auditors to submit Additional Report to the Board of Directors","stored_section":"THE CORE IDEA","heading":"Checks it can keep licence","plain_english":"The auditor checks if the company still meets RBI's test to keep that certificate.","rbi_paragraph":"Para 6(2)","rbi_char_offset":6244,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p6","layer":"bankpulse"},{"n":4,"claim":"md13585-fe69fc4c","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"THE CORE IDEA","heading":"Checks its minimum capital","plain_english":"The auditor checks whether the company meets RBI's minimum net owned fund rule.","rbi_paragraph":"Para 6(3)","rbi_char_offset":6428,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p7","layer":"bankpulse"},{"n":5,"claim":"md13585-a40ea51f","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"THE CORE IDEA","heading":"Auditor confirms licence is needed","plain_english":"The statutory auditor confirms the company needs a certificate of registration and may hold one.","rbi_paragraph":"Para 6(3)","rbi_char_offset":6956,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p8","layer":"bankpulse"},{"n":6,"claim":"md13585-28fed871","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Deposits stay inside RBI's limit","plain_english":"The auditor checks whether its public deposits and listed borrowings stay within RBI's allowed limit.","rbi_paragraph":"Para 7(1)","rbi_char_offset":8134,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p9","layer":"bankpulse"},{"n":7,"claim":"md13585-d76cb19a","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Extra deposits get fixed","plain_english":"Deposits held above the allowed amount are set right the way RBI's rules require.","rbi_paragraph":"Para 7(2)","rbi_char_offset":8322,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p10","layer":"bankpulse"},{"n":8,"claim":"md13585-a44d2536","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"No deposits without a rating","plain_english":"It may not take public deposits without a minimum credit rating from an approved agency.","rbi_paragraph":"Para 7(3)","rbi_char_offset":8626,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p11","layer":"bankpulse"},{"n":9,"claim":"md13585-f2f77875","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Rating checked every scheme","plain_english":"The auditor checks that a SEBI-registered agency rated each deposit scheme.","rbi_paragraph":"Para 7","rbi_char_offset":8956,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":["deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p12","layer":"bankpulse"},{"n":10,"claim":"md13585-a709e3e1","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Deposits inside RBI's ceiling","plain_english":"It checks whether outstanding deposits crossed RBI's specified ceiling at any point in the year.","rbi_paragraph":"Para 7","rbi_char_offset":9095,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p13","layer":"bankpulse"},{"n":11,"claim":"md13585-1f641ea4","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"No broken deposit rules","plain_english":"The auditor checks whether the company broke any rule on taking public deposits.","rbi_paragraph":"Para 7(5)","rbi_char_offset":9340,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p14","layer":"bankpulse"},{"n":12,"claim":"md13585-3d9a7638","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"No missed payments to depositors","plain_english":"It checks whether the company failed to pay a depositor's interest or principal on time.","rbi_paragraph":"Para 7(6)","rbi_char_offset":9547,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p15","layer":"bankpulse"},{"n":13,"claim":"md13585-c4f5a909","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Capital ratio, correctly worked out","plain_english":"The auditor checks that its capital ratio is worked out correctly and meets RBI's minimum.","rbi_paragraph":"Para 7(7)","rbi_char_offset":9947,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p16","layer":"bankpulse"},{"n":14,"claim":"md13585-258a3fac","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Bad-loan rules, followed","plain_english":"It checks the company followed RBI's rules on recognising and providing for bad loans.","rbi_paragraph":"Para 7(8)","rbi_char_offset":10176,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p17","layer":"bankpulse"},{"n":15,"claim":"md13585-52ef5189","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Liquid assets, kept and reported","plain_english":"The auditor checks its liquid-asset holding and confirms where those assets are held.","rbi_paragraph":"Para 7(9)","rbi_char_offset":10849,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p18","layer":"bankpulse"},{"n":16,"claim":"md13585-e5bd79c5","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"New branches follow the rules","plain_english":"Opening a branch, closing one, or naming an agent all follow RBI's deposit rules.","rbi_paragraph":"Para 7(12)","rbi_char_offset":11788,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p19","layer":"bankpulse"},{"n":17,"claim":"md13585-7e42e0fe","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Board resolves against deposits","plain_english":"The board passes its own resolution saying it will not take public deposits.","rbi_paragraph":"Para 8(1)","rbi_char_offset":12321,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":["advance-against-deposit"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p20","layer":"bankpulse"},{"n":18,"claim":"md13585-af9d7fc3","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Deposits taken all the same","plain_english":"The auditor checks whether it took any public deposit anyway during the year.","rbi_paragraph":"Para 8(2)","rbi_char_offset":12424,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p21","layer":"bankpulse"},{"n":19,"claim":"md13585-e6287d8d","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Bad-loan rules apply here too","plain_english":"The same bad-loan and accounting rules are checked, even without deposits.","rbi_paragraph":"Para 8(3)","rbi_char_offset":12516,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p22","layer":"bankpulse"},{"n":20,"claim":"md13585-2a8f9f2e","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Bigger NBFCs get capital checked","plain_english":"A Middle-layer NBFC or above also gets its capital ratio checked against RBI's minimum.","rbi_paragraph":"Para 8(4)","rbi_char_offset":13222,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p23","layer":"bankpulse"},{"n":21,"claim":"md13585-8fa6836c","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Microfinance NBFCs, correctly classified","plain_english":"The auditor checks whether it is correctly classified as a microfinance NBFC.","rbi_paragraph":"Para 8(5)","rbi_char_offset":13847,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":["microfinance"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p24","layer":"bankpulse"},{"n":22,"claim":"md13585-b005f5ac","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"No licence, conditions still checked","plain_english":"If RBI excused it from holding a certificate, the auditor checks it still meets RBI's conditions.","rbi_paragraph":"Para 9","rbi_char_offset":14258,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p25","layer":"bankpulse"},{"n":23,"claim":"md13585-24f2c422","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"IMPACT","heading":"Reasons given for bad report","plain_english":"If the auditor's finding is unfavourable, the report states why.","rbi_paragraph":"Para 10","rbi_char_offset":14689,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p26","layer":"bankpulse"},{"n":24,"claim":"md13585-b7d261ac","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"IMPACT","heading":"Silence gets a reason too","plain_english":"If the auditor cannot give an opinion at all, the report says why.","rbi_paragraph":"Para 10","rbi_char_offset":14805,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p27","layer":"bankpulse"},{"n":25,"claim":"md13585-4606650f","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"THE CORE IDEA","heading":"SAC return, five days","plain_english":"It files that certificate within five working days, and by December 31 at the latest.","rbi_paragraph":"Para 6(3)","rbi_char_offset":6783,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p28","layer":"bankpulse"},{"n":26,"claim":"md13585-bc8584d8","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"THE CORE IDEA","heading":"Certificate filed on RBI's portal","plain_english":"That certificate is filed on RBI's own CIMS portal.","rbi_paragraph":"Para 6(3)","rbi_char_offset":7307,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p29","layer":"bankpulse"},{"n":27,"claim":"md13585-14ae6b0f","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Deposit return filed on time","plain_english":"It checks that a return on deposits reached RBI within the required time.","rbi_paragraph":"Para 7(10)","rbi_char_offset":11234,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p30","layer":"bankpulse"},{"n":28,"claim":"md13585-df65c49d","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Prudential return filed too","plain_english":"It also checks that a second return on prudential limits reached RBI on time.","rbi_paragraph":"Para 7(11)","rbi_char_offset":11502,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p31","layer":"bankpulse"},{"n":29,"claim":"md13585-d774fa4e","page_group":"Chapter II. Auditors to submit Additional Report to the Board of Directors","stored_section":"WHO SHOULD ACT","heading":"Extra checks for deposit-takers","plain_english":"A company that takes public deposits gets extra checks, on top of the ones every NBFC gets.","rbi_paragraph":"Para 7","rbi_char_offset":7573,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p32","layer":"bankpulse"},{"n":1,"claim":"md13585-bce206ee","page_group":"Chapter III. Auditors to submit Exception Report to RBI","stored_section":"IMPACT","heading":"RBI gets an exception report","plain_english":"A bad finding or a rule break goes to RBI directly, as its own report.","rbi_paragraph":"Para 11(2)","rbi_char_offset":15425,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p33","layer":"bankpulse"},{"n":2,"claim":"md13585-efd99e47","page_group":"Chapter III. Auditors to submit Exception Report to RBI","stored_section":"IMPACT","heading":"That report names contraventions only","plain_english":"That report names rule breaks only, and never a statement that it is complying.","rbi_paragraph":"Para 12","rbi_char_offset":15969,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p34","layer":"bankpulse"},{"n":3,"claim":"md13585-d594d15d","page_group":"Chapter III. Auditors to submit Exception Report to RBI","stored_section":"IMPACT","heading":"Sent to local RBI office","plain_english":"That exception report goes to RBI's office for the area where its registered office sits.","rbi_paragraph":"Para 11(2)","rbi_char_offset":15636,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p35","layer":"bankpulse"},{"n":1,"claim":"md13585-90f112a8","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"IMPACT","heading":"RBI's own reading is final","plain_english":"If a doubt comes up, RBI's own reading of these Directions is final.","rbi_paragraph":"Para 16","rbi_char_offset":18320,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p36","layer":"bankpulse"},{"n":2,"claim":"md13585-5fa510b5","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Old rules stay repealed","plain_english":"The rules this replaces, and anything already withdrawn under them, stay withdrawn.","rbi_paragraph":"Para 13","rbi_char_offset":16315,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p37","layer":"bankpulse"},{"n":3,"claim":"md13585-76f8c80d","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Old approvals still count","plain_english":"An approval granted under the old rules still counts under this one.","rbi_paragraph":"Para 14","rbi_char_offset":16982,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p38","layer":"bankpulse"},{"n":4,"claim":"md13585-e93d12e5","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Old penalties still apply","plain_english":"A penalty already earned under the old rules is not wiped out.","rbi_paragraph":"Para 14(2)","rbi_char_offset":17297,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p39","layer":"bankpulse"},{"n":5,"claim":"md13585-9d276afe","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These Directions add to other laws and rules, and do not replace them.","rbi_paragraph":"Para 15","rbi_char_offset":17842,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13585#p40","layer":"bankpulse"}],"actions":[],"amendments":[],"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. 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