{"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":"md13611","title":"Reserve Bank of India (Urban Co-operative Banks - Supervisory Returns) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13611","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":"Urban co-operative banks","class_code":"UCB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13611","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/md13611.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13611","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:25:22 UTC","text_sha256":"0195eff67fffde9b4d00f4a15c200ebc20da35eaeae1f667e9ebd7e54f88d426","word_count":3365,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":39,"points_naming_an_rbi_paragraph":39,"points_stored":39,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13611-665606c1","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Returns rules for UCBs","plain_english":"This paper sets what urban co-operative banks must file with RBI.","rbi_paragraph":"Para 1","rbi_char_offset":3093,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p1","layer":"bankpulse"},{"n":2,"claim":"md13611-4d03f39d","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"One online platform","plain_english":"Returns go through the Reserve Bank's central information management system.","rbi_paragraph":"Para 4(1)","rbi_char_offset":3868,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p2","layer":"bankpulse"},{"n":3,"claim":"md13611-0e747d72","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These Directions came into effect immediately upon issuance.","rbi_paragraph":"Para 2","rbi_char_offset":3233,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"There is no gap here between issue and effect. The Directions come into effect immediately upon issuance. A bank cannot wait for a separate start date, because there is none.","anchor":"https://bankpulse.ai/rule/md13611#p3","layer":"bankpulse"},{"n":4,"claim":"md13611-24876135","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to every urban co-operative bank.","rbi_paragraph":"Para 3","rbi_char_offset":3303,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p4","layer":"bankpulse"},{"n":1,"claim":"md13611-766e2670","page_group":"Chapter II. Governance and Oversight","stored_section":"THE CORE IDEA","heading":"Group shape is no excuse","plain_english":"The group's legal shape must not stop data being pulled together at any level.","rbi_paragraph":"Para 8","rbi_char_offset":5689,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p5","layer":"bankpulse"},{"n":2,"claim":"md13611-112d1821","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":4686,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p6","layer":"bankpulse"},{"n":3,"claim":"md13611-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":4847,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p7","layer":"bankpulse"},{"n":4,"claim":"md13611-295ff7f3","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":5105,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p8","layer":"bankpulse"},{"n":5,"claim":"md13611-5e72004a","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Put resources on it","plain_english":"The Board and senior staff must see that enough resources go to this work.","rbi_paragraph":"Para 7","rbi_char_offset":5443,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p9","layer":"bankpulse"},{"n":6,"claim":"md13611-c820296c","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Check a deal's effect","plain_english":"A purchase, a sale, a new product or an IT change must be weighed for its effect on reporting.","rbi_paragraph":"Para 9","rbi_char_offset":6087,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p10","layer":"bankpulse"},{"n":7,"claim":"md13611-fbc41a5b","page_group":"Chapter II. 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":6275,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p11","layer":"bankpulse"},{"n":8,"claim":"md13611-65fdbac6","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":6401,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p12","layer":"bankpulse"},{"n":9,"claim":"md13611-2a1fc4ab","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":6813,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p13","layer":"bankpulse"},{"n":10,"claim":"md13611-34a3ed1e","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":7569,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p14","layer":"bankpulse"},{"n":11,"claim":"md13611-bc941fc7","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Keep the rules on file","plain_english":"Records of where the data came from and how it was added up must be kept.","rbi_paragraph":"Para 15","rbi_char_offset":7737,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p15","layer":"bankpulse"},{"n":12,"claim":"md13611-435b06cc","page_group":"Chapter II. Governance and Oversight","stored_section":"WHO SHOULD ACT","heading":"Automate the filing","plain_english":"The bank must work towards generating return data automatically.","rbi_paragraph":"Para 16","rbi_char_offset":7842,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p16","layer":"bankpulse"},{"n":1,"claim":"md13611-0b83ea29","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Ten years unclaimed","plain_english":"Form VIII reports deposit accounts not operated for more than ten years.","rbi_paragraph":"Para 20","rbi_char_offset":11431,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p17","layer":"bankpulse"},{"n":2,"claim":"md13611-a73a172c","page_group":"Chapter III. 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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 through CRILC.","rbi_paragraph":"Para 20","rbi_char_offset":13922,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p19","layer":"bankpulse"},{"n":4,"claim":"md13611-a3111724","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Bad accounts from one crore","plain_english":"Doubtful, loss and suit filed accounts of one crore rupees and above are reported.","rbi_paragraph":"Para 20","rbi_char_offset":15417,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p20","layer":"bankpulse"},{"n":5,"claim":"md13611-82e1fc20","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Wilful defaults from 25 lakh","plain_english":"Wilful defaults of twenty-five lakh rupees and above are captured in this return.","rbi_paragraph":"Para 20","rbi_char_offset":15634,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p21","layer":"bankpulse"},{"n":6,"claim":"md13611-59d97bff","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"THE CORE IDEA","heading":"Frequency sets the date","plain_english":"How often a return is due decides the date it must reach RBI.","rbi_paragraph":"Para 21","rbi_char_offset":17285,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p22","layer":"bankpulse"},{"n":7,"claim":"md13611-518fc758","page_group":"Chapter III. 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 21","rbi_char_offset":17517,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p23","layer":"bankpulse"},{"n":8,"claim":"md13611-6b574261","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 21","rbi_char_offset":17569,"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/md13611#p24","layer":"bankpulse"},{"n":9,"claim":"md13611-a157e97d","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Form VIII in thirty days","plain_english":"The yearly Form VIII return is due within thirty days of 31 December.","rbi_paragraph":"Para 22","rbi_char_offset":18484,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p25","layer":"bankpulse"},{"n":10,"claim":"md13611-0f9e76be","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 25","rbi_char_offset":19986,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p26","layer":"bankpulse"},{"n":11,"claim":"md13611-e8b5b86d","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"File online only","plain_english":"Every return must be filed online, in the form and manner told to the firm.","rbi_paragraph":"Para 18","rbi_char_offset":8336,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p27","layer":"bankpulse"},{"n":12,"claim":"md13611-b607109e","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHO SHOULD ACT","heading":"File again when up","plain_english":"If the portal was down, the return must be filed online as soon as it works again.","rbi_paragraph":"Para 18","rbi_char_offset":8873,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p28","layer":"bankpulse"},{"n":13,"claim":"md13611-2331a9a0","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 20","rbi_char_offset":9515,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p29","layer":"bankpulse"},{"n":14,"claim":"md13611-fa3572d1","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"THE CORE IDEA","heading":"True and correct","plain_english":"The information in every return must be true and correct.","rbi_paragraph":"Para 23","rbi_char_offset":19459,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p30","layer":"bankpulse"},{"n":15,"claim":"md13611-bf29ffa4","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"THE CORE IDEA","heading":"Paper does not count","plain_english":"A return sent on paper or by email is treated as not filed at all.","rbi_paragraph":"Para 18","rbi_char_offset":8588,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p31","layer":"bankpulse"},{"n":16,"claim":"md13611-07a84660","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Timelines follow frequency","plain_english":"Return timelines follow the filing frequency unless the rulebook says otherwise.","rbi_paragraph":"Para 21","rbi_char_offset":17245,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p32","layer":"bankpulse"},{"n":17,"claim":"md13611-a5eca4ca","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Ad-hoc means the letter's date","plain_english":"An ad-hoc return is due by the date named in RBI's own communication.","rbi_paragraph":"Para 21(2)","rbi_char_offset":17962,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p33","layer":"bankpulse"},{"n":18,"claim":"md13611-d1c3724a","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Fraud return, fourteen days","plain_english":"A fraud monitoring return is due within fourteen days of the fraud classification date.","rbi_paragraph":"Para 22","rbi_char_offset":19202,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p34","layer":"bankpulse"},{"n":1,"claim":"md13611-8ddcca61","page_group":"Chapter IV. Repeal and Other Provisions","stored_section":"THE CORE IDEA","heading":"Old repeals stand","plain_english":"Anything repealed before these Directions stays repealed.","rbi_paragraph":"Para 26","rbi_char_offset":20458,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p35","layer":"bankpulse"},{"n":2,"claim":"md13611-7746ed38","page_group":"Chapter IV. 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 27","rbi_char_offset":20699,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p36","layer":"bankpulse"},{"n":3,"claim":"md13611-88d4ed65","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 27","rbi_char_offset":20824,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p37","layer":"bankpulse"},{"n":4,"claim":"md13611-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 28","rbi_char_offset":21660,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p38","layer":"bankpulse"},{"n":5,"claim":"md13611-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 29","rbi_char_offset":22097,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13611#p39","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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