{"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. 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Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md13587.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13587","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:25:51 UTC","text_sha256":"eaaacf4c64df685c094df3016358a65e2c6583436656df473953bb6af2fd0124","word_count":3171,"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":"md13587-b0d6bfd6","page_group":"Chapter I. 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Governance and Oversight","stored_section":"THE CORE IDEA","heading":"Reporting stands apart","plain_english":"Data work must not depend on how the firm is organised or where it operates.","rbi_paragraph":"Para 8","rbi_char_offset":5640,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p6","layer":"bankpulse"},{"n":3,"claim":"md13587-112d1821","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Data risk is Board risk","plain_english":"The Board and senior staff must treat data quality risk as part of overall risk work.","rbi_paragraph":"Para 6","rbi_char_offset":4499,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p7","layer":"bankpulse"},{"n":4,"claim":"md13587-bcbced83","page_group":"Chapter II. Governance and Oversight","stored_section":"WHAT CHANGES","heading":"Cover both in and out","plain_english":"The framework must cover data work done in house and work given out.","rbi_paragraph":"Para 6","rbi_char_offset":4660,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p8","layer":"bankpulse"},{"n":5,"claim":"md13587-f2fdaaa4","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Write it down, test it","plain_english":"Data gathering and risk reporting must be fully documented and tested to a high standard.","rbi_paragraph":"Para 7","rbi_char_offset":4919,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p9","layer":"bankpulse"},{"n":6,"claim":"md13587-5e72004a","page_group":"Chapter II. 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Governance and Oversight","stored_section":"WHAT CHANGES","heading":"Fold it in on time","plain_english":"Where such a change happens, the reporting must be folded into the existing framework in a set time.","rbi_paragraph":"Para 9","rbi_char_offset":6094,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p12","layer":"bankpulse"},{"n":9,"claim":"md13587-65fdbac6","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Build for the bad days","plain_english":"The data systems must give complete and timely returns in a crisis as well as in normal times.","rbi_paragraph":"Para 10","rbi_char_offset":6221,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p13","layer":"bankpulse"},{"n":10,"claim":"md13587-9d397e47","page_group":"Chapter II. Governance and Oversight","stored_section":"WHAT CHANGES","heading":"Part of continuity planning","plain_english":"Data and reporting work must sit inside business continuity planning and its impact study.","rbi_paragraph":"Para 11","rbi_char_offset":6523,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p14","layer":"bankpulse"},{"n":11,"claim":"md13587-5d172a5e","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Name who owns what","plain_english":"Roles must be fixed between the business owners and the IT team to keep the data current.","rbi_paragraph":"Para 12","rbi_char_offset":6636,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p15","layer":"bankpulse"},{"n":12,"claim":"md13587-d01bc5b3","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Tally with your own books","plain_english":"Every return must be reconciled with the firm's own records, including the accounts.","rbi_paragraph":"Para 14","rbi_char_offset":7396,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p16","layer":"bankpulse"},{"n":13,"claim":"md13587-bc941fc7","page_group":"Chapter II. 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Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"CRILC from five crore","plain_english":"Borrowers with an aggregate exposure of five crore rupees and above are reported to CRILC.","rbi_paragraph":"Para 21","rbi_char_offset":12161,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p20","layer":"bankpulse"},{"n":3,"claim":"md13587-a27480cd","page_group":"Chapter III. 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Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Monthly, fifteen days","plain_english":"A monthly return is due within fifteen days of the last day of the month.","rbi_paragraph":"Para 22","rbi_char_offset":17730,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p23","layer":"bankpulse"},{"n":6,"claim":"md13587-6b574261","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Quarterly, twenty-one days","plain_english":"A quarterly return is due within twenty-one days of the last day of the quarter.","rbi_paragraph":"Para 22","rbi_char_offset":17782,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"The quarter ends on 30 September. The return is due within 21 days of that day. So it must reach RBI by 21 October.","anchor":"https://bankpulse.ai/rule/md13587#p24","layer":"bankpulse"},{"n":7,"claim":"md13587-0f9e76be","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"THE CORE IDEA","heading":"Other returns still due","plain_english":"These rules do not affect any other statutory or regulatory return.","rbi_paragraph":"Para 26","rbi_char_offset":19652,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p25","layer":"bankpulse"},{"n":8,"claim":"md13587-e8b5b86d","page_group":"Chapter III. 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Filing of Supervisory Returns","stored_section":"WHO IT APPLIES TO","heading":"Report the overseas arms","plain_english":"Data must cover home and overseas work, including the offshore banking units.","rbi_paragraph":"Para 20","rbi_char_offset":9324,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p28","layer":"bankpulse"},{"n":11,"claim":"md13587-2331a9a0","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHO SHOULD ACT","heading":"Accurate and on time","plain_english":"Returns must be filed with accurate and complete data, strictly by the set dates.","rbi_paragraph":"Para 21","rbi_char_offset":9447,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p29","layer":"bankpulse"},{"n":12,"claim":"md13587-fa3572d1","page_group":"Chapter III. 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Repeal and Other Provisions","stored_section":"THE CORE IDEA","heading":"Old actions stay valid","plain_english":"Action taken under the repealed rules is still governed by those rules.","rbi_paragraph":"Para 28","rbi_char_offset":20380,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p37","layer":"bankpulse"},{"n":3,"claim":"md13587-88d4ed65","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"WHAT CHANGES","heading":"Old approvals move across","plain_english":"An approval given under the repealed rules is now governed by these Directions.","rbi_paragraph":"Para 28","rbi_char_offset":20505,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p38","layer":"bankpulse"},{"n":4,"claim":"md13587-b6c42903","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"THE CORE IDEA","heading":"These add to other law","plain_english":"These Directions are in addition to any other law and do not cut it down.","rbi_paragraph":"Para 29","rbi_char_offset":21341,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#p39","layer":"bankpulse"},{"n":5,"claim":"md13587-a449e126","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"THE CORE IDEA","heading":"RBI's reading is final","plain_english":"RBI's reading of any provision here is final and binds everyone.","rbi_paragraph":"Para 30","rbi_char_offset":21778,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13587#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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