{"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":"md13612","title":"Reserve Bank of India (Urban Co-operative Banks - Statutory Audit) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13612","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":"md13612","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/md13612.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13612","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:25:24 UTC","text_sha256":"7476bc46f485e51da076078634e84ca06443a10de328a7660cfbed23d22a423f","word_count":4462,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":43,"points_naming_an_rbi_paragraph":43,"points_stored":43,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13612-6967e021","page_group":"Chapter I. 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Guidelines for Appointment","stored_section":"WHAT CHANGES","heading":"Not employed elsewhere","plain_english":"Such a partner must not be employed elsewhere, full time or part time.","rbi_paragraph":"Para 14(2)","rbi_char_offset":11791,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13612#p13","layer":"bankpulse"},{"n":5,"claim":"md13612-4772e891","page_group":"Chapter III. Guidelines for Appointment","stored_section":"WHAT CHANGES","heading":"Not in separate practice","plain_english":"Such a partner must not practise in his own name or otherwise be in practice.","rbi_paragraph":"Para 14(3)","rbi_char_offset":11856,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13612#p14","layer":"bankpulse"},{"n":6,"claim":"md13612-b2643f86","page_group":"Chapter III. 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