{"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":"nt11779","title":"Supervisory Action Framework for Primary (Urban) Co-operative Banks (UCBs)","document_kind":"Regulatory document","page":"https://bankpulse.ai/rule/nt11779","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Graded supervisory framework: triggers and RBI actions for stressed urban co-operative banks","layer":"bankpulse_inference"},"applies_to":{"shown":"Urban co-operative banks","class_code":"UCB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"nt11779","mode":"four_dates_v1","published":{"label":"Published","value":"Jan 06, 2020","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/nt11779.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11779&Mode=0","document_date":"Jan 06, 2020","read_by_bankpulse":"2026-08-28 10:32:44 UTC","text_sha256":"aa6c26d8191f627704c23808732ef508ed841a5b6aaabf9f5a854a72c47a5019","word_count":1783,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 28 August 2026, 5:00 pm IST."},"counts":{"points_shown":32,"points_naming_an_rbi_paragraph":32,"points_stored":32,"actions":0,"amendments":0},"points":[{"n":1,"claim":"nt11779-bb2b8159","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"The bad loan trigger","plain_english":"A bank may enter the framework when net bad loans pass 6 per cent of net advances.","rbi_paragraph":"Para 2.1","rbi_char_offset":3073,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A co-operative bank has net advances of 500 crore rupees. 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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. Always check the RBI document named in rbi_source before acting."}