{"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":"md13629","title":"Reserve Bank of India (Small Finance Banks - Supervisory Returns) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13629","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":"Small finance banks","class_code":"SFB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13629","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/md13629.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13629","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:24:38 UTC","text_sha256":"babcefc84bd75e9e6618ce4977e80a7bb065e457bfa6d7808558c1f8b32c6afb","word_count":4132,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":41,"points_naming_an_rbi_paragraph":41,"points_stored":41,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13629-1f97bf58","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Returns rules for SFBs","plain_english":"This paper sets what small finance banks must file with RBI.","rbi_paragraph":"Para 1","rbi_char_offset":2961,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p1","layer":"bankpulse"},{"n":2,"claim":"md13629-4d03f39d","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":3499,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p2","layer":"bankpulse"},{"n":3,"claim":"md13629-0e747d72","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":3096,"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/md13629#p3","layer":"bankpulse"},{"n":4,"claim":"md13629-b2c39306","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These Directions apply to every small finance bank.","rbi_paragraph":"Para 3","rbi_char_offset":3166,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p4","layer":"bankpulse"},{"n":1,"claim":"md13629-766e2670","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":5318,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p5","layer":"bankpulse"},{"n":2,"claim":"md13629-fb6f8caf","page_group":"Chapter II. 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":5453,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p6","layer":"bankpulse"},{"n":3,"claim":"md13629-112d1821","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":4313,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p7","layer":"bankpulse"},{"n":4,"claim":"md13629-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":4474,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p8","layer":"bankpulse"},{"n":5,"claim":"md13629-efe3cff6","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":4733,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p9","layer":"bankpulse"},{"n":6,"claim":"md13629-5e72004a","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":5071,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p10","layer":"bankpulse"},{"n":7,"claim":"md13629-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":5719,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p11","layer":"bankpulse"},{"n":8,"claim":"md13629-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":5907,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p12","layer":"bankpulse"},{"n":9,"claim":"md13629-65fdbac6","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":6034,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p13","layer":"bankpulse"},{"n":10,"claim":"md13629-aa88cd05","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":6336,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p14","layer":"bankpulse"},{"n":11,"claim":"md13629-9dcfc03a","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":6449,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p15","layer":"bankpulse"},{"n":12,"claim":"md13629-6fadc78e","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":7209,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p16","layer":"bankpulse"},{"n":13,"claim":"md13629-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":7379,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p17","layer":"bankpulse"},{"n":14,"claim":"md13629-435b06cc","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":7485,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p18","layer":"bankpulse"},{"n":1,"claim":"md13629-3f734ff6","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Thirty per cent of capital","plain_english":"Borrower groups above thirty per cent of regulatory capital are reported, at least the top fifty.","rbi_paragraph":"Para 21","rbi_char_offset":12296,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p19","layer":"bankpulse"},{"n":2,"claim":"md13629-eb978e98","page_group":"Chapter III. 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Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Five crore, or say nil","plain_english":"If no borrower reaches ₹5 crore in a month, a nil return must still be filed.","rbi_paragraph":"Para 21","rbi_char_offset":13001,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p21","layer":"bankpulse"},{"n":4,"claim":"md13629-59d97bff","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 22","rbi_char_offset":22936,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p22","layer":"bankpulse"},{"n":5,"claim":"md13629-518fc758","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 22","rbi_char_offset":23226,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p23","layer":"bankpulse"},{"n":6,"claim":"md13629-6b574261","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":23278,"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/md13629#p24","layer":"bankpulse"},{"n":7,"claim":"md13629-b4463a4b","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"KEY DATES","heading":"Conglomerate report, 45 days","plain_english":"The quarterly report on financial conglomerates is due within forty-five days.","rbi_paragraph":"Para 23","rbi_char_offset":24383,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p25","layer":"bankpulse"},{"n":8,"claim":"md13629-0f9e76be","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":25658,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p26","layer":"bankpulse"},{"n":9,"claim":"md13629-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":7982,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p27","layer":"bankpulse"},{"n":10,"claim":"md13629-b607109e","page_group":"Chapter III. 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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":8234,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p32","layer":"bankpulse"},{"n":15,"claim":"md13629-86235a4e","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Nil for a quiet week","plain_english":"If no large borrower moved in or out of default in the week, a nil return is still due.","rbi_paragraph":"Para 21","rbi_char_offset":13794,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p33","layer":"bankpulse"},{"n":16,"claim":"md13629-ae08b7ef","page_group":"Chapter III. Filing of Supervisory Returns","stored_section":"WHAT CHANGES","heading":"Leave insurance out","plain_english":"Insurance arms and non-financial arms may be left out of that consolidation.","rbi_paragraph":"Para 21","rbi_char_offset":15139,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p34","layer":"bankpulse"},{"n":17,"claim":"md13629-07a84660","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 22","rbi_char_offset":22896,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p35","layer":"bankpulse"},{"n":18,"claim":"md13629-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 22(2)","rbi_char_offset":23710,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p36","layer":"bankpulse"},{"n":19,"claim":"md13629-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 23","rbi_char_offset":24871,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p37","layer":"bankpulse"},{"n":1,"claim":"md13629-7746ed38","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 28","rbi_char_offset":26367,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p38","layer":"bankpulse"},{"n":2,"claim":"md13629-88d4ed65","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":26492,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p39","layer":"bankpulse"},{"n":3,"claim":"md13629-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":27328,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p40","layer":"bankpulse"},{"n":4,"claim":"md13629-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":27765,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13629#p41","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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