{"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":"md13640","title":"Reserve Bank of India (Commercial Banks - Internal Audit Function) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13640","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":"Commercial banks","class_code":"SCB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13640","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/md13640.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13640","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:24:26 UTC","text_sha256":"1b0a381ea9c39d0f4c06e448778154ad4e18f41dfb8c672b0665cf530a9a63bc","word_count":3501,"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":"md13640-9db77ee8","page_group":"Chapter I. 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Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"What auditors should know","plain_english":"Banking work, accounts, technology, data work and fraud investigation.","rbi_paragraph":"Para 14","rbi_char_offset":8733,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p15","layer":"bankpulse"},{"n":5,"claim":"md13640-251491d7","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Pay not tied to sales","plain_english":"Audit pay must not depend on how the business lines they audit perform.","rbi_paragraph":"Para 15","rbi_char_offset":9021,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p16","layer":"bankpulse"},{"n":6,"claim":"md13640-74b93e89","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"THE CORE IDEA","heading":"Testing is not optional","plain_english":"Testing real transactions is a necessary part of the work.","rbi_paragraph":"Para 17(3)","rbi_char_offset":12401,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p17","layer":"bankpulse"},{"n":7,"claim":"md13640-1b1221b9","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHAT CHANGES","heading":"Full testing at worst risk","plain_english":"Where risk is extremely high, 100 per cent of transactions are tested.","rbi_paragraph":"Para 17(3)","rbi_char_offset":12559,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"An audit team looks at a branch process with 900 entries in the year. The risk matrix puts it in the extremely high cell. So all 900 are checked, which is the 100 per cent RBI names. In a low risk area the team would have sampled instead.","anchor":"https://bankpulse.ai/rule/md13640#p18","layer":"bankpulse"},{"n":8,"claim":"md13640-b5f12bb6","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Count the time since","plain_english":"How long it has been since the last audit is one of the tests.","rbi_paragraph":"Para 21(7)","rbi_char_offset":14489,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p19","layer":"bankpulse"},{"n":9,"claim":"md13640-61c7b44d","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Bad news must travel","plain_english":"The channels must encourage reporting of negative and sensitive findings.","rbi_paragraph":"Para 28","rbi_char_offset":17066,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p20","layer":"bankpulse"},{"n":10,"claim":"md13640-749353cf","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Audit cannot be outsourced","plain_english":"The bank must not hand the internal audit function to an outside firm.","rbi_paragraph":"Para 31","rbi_char_offset":17913,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p21","layer":"bankpulse"},{"n":11,"claim":"md13640-5fd3cf2c","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"IMPACT","heading":"Experts work under the bank","plain_english":"Any expert hired works under the close supervision of the bank's management.","rbi_paragraph":"Para 31","rbi_char_offset":18264,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p22","layer":"bankpulse"},{"n":12,"claim":"md13640-71694c06","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"The reports stay the bank's","plain_english":"Ownership of every audit report stays with the bank's own audit staff.","rbi_paragraph":"Para 31","rbi_char_offset":18374,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p23","layer":"bankpulse"},{"n":13,"claim":"md13640-d248a219","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Give the department people","plain_english":"The bank must give the audit department enough staff and resources.","rbi_paragraph":"Para 14","rbi_char_offset":8257,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p24","layer":"bankpulse"},{"n":14,"claim":"md13640-009f23b3","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"THE CORE IDEA","heading":"A matrix for each activity","plain_english":"A risk matrix is drawn up for every business activity and location.","rbi_paragraph":"Para 17(3)","rbi_char_offset":12328,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p25","layer":"bankpulse"},{"n":15,"claim":"md13640-b4f26b8a","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Look at the last report","plain_english":"The risk method starts from earlier audit reports and their compliance.","rbi_paragraph":"Para 21(1)","rbi_char_offset":14190,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p26","layer":"bankpulse"},{"n":16,"claim":"md13640-e5c97a8d","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"WHO SHOULD ACT","heading":"Tell audit about changes","plain_english":"New products, new reporting lines and accounting changes must reach audit.","rbi_paragraph":"Para 22","rbi_char_offset":14728,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p27","layer":"bankpulse"},{"n":17,"claim":"md13640-ba663976","page_group":"Chapter III. Risk-Based Internal Audit Framework","stored_section":"KEY DATES","heading":"A risk look every year","plain_english":"The risk assessment must be done at least once a year.","rbi_paragraph":"Para 22","rbi_char_offset":14917,"weight":"DO IT","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p28","layer":"bankpulse"},{"n":18,"claim":"md13640-5af5c366","page_group":"Chapter III. 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Head of Internal Audit","stored_section":"WHO SHOULD ACT","heading":"He can see everything","plain_english":"He may speak to any staff member and reach any record or file.","rbi_paragraph":"Para 34","rbi_char_offset":20554,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p37","layer":"bankpulse"},{"n":3,"claim":"md13640-3a0665be","page_group":"Chapter IV. Head of Internal Audit","stored_section":"WHO SHOULD ACT","heading":"No business targets","plain_english":"He has no reporting line to business and is given no business targets.","rbi_paragraph":"Para 35","rbi_char_offset":20732,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p38","layer":"bankpulse"},{"n":4,"claim":"md13640-6a3c6738","page_group":"Chapter IV. Head of Internal Audit","stored_section":"WHO SHOULD ACT","heading":"Three years in the chair","plain_english":"He should be appointed for a long period, preferably three years at least.","rbi_paragraph":"Para 36","rbi_char_offset":20999,"weight":"MUST KNOW","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p39","layer":"bankpulse"},{"n":5,"claim":"md13640-a89ebca4","page_group":"Chapter IV. Head of Internal Audit","stored_section":"KEY DATES","heading":"Meet him every quarter","plain_english":"The audit committee meets the audit head alone once in each quarter.","rbi_paragraph":"Para 37","rbi_char_offset":21499,"weight":"DO IT","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p40","layer":"bankpulse"},{"n":1,"claim":"md13640-6cd8b4f5","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old rules stand repealed","plain_english":"The earlier internal audit rules for these banks are repealed.","rbi_paragraph":"Para 38","rbi_char_offset":21862,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p41","layer":"bankpulse"},{"n":2,"claim":"md13640-1079c38d","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions still stand","plain_english":"Anything done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 39","rbi_char_offset":22252,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p42","layer":"bankpulse"},{"n":3,"claim":"md13640-76f8c80d","page_group":"Chapter V. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old approvals still count","plain_english":"Approvals given under the repealed rules now come under these rules.","rbi_paragraph":"Para 39","rbi_char_offset":22431,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13640#p43","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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