{"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":"nt13248","title":"Returns – Department of Payment and Settlement Systems – Submission in CIMS","document_kind":"Regulatory document","page":"https://bankpulse.ai/rule/nt13248","status":"In force","importance":{"code":"FYI","label":"FOR INFORMATION","weight":"For information","why":"General RBI update: no desk rule matched — read the source if it touches your work","layer":"bankpulse_inference"},"applies_to":{"shown":"All regulated entities","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"nt13248","mode":"four_dates_v1","published":{"label":"Published","value":"Jan 01, 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/nt13248.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13248&Mode=0","document_date":"Jan 01, 2026","read_by_bankpulse":"2026-08-22 09:01:31 UTC","text_sha256":"1b3334cf01ebc66eab4ce514dc643cc3b46a932598e8b2dcf93ef7325f3a0614","word_count":799,"standing_last_checked":"RBI publishes no live index for this kind of document. Standing follows RBI’s consolidation circular of 28 November 2025."},"counts":{"points_shown":10,"points_naming_an_rbi_paragraph":0,"points_stored":10,"actions":0,"amendments":0},"points":[{"n":1,"claim":"nt13248-43bce9033","page_group":"Must know","stored_section":"KEY DATES","heading":"Start PPI statistics","plain_english":"Send PPI Statistics data in CIMS for December 2025 onwards.","rbi_paragraph":null,"rbi_char_offset":2661,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":["digital-payment"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p1","layer":"bankpulse"},{"n":2,"claim":"nt13248-174271513","page_group":"Must know","stored_section":"THE CORE IDEA","heading":"Use CIMS portal","plain_english":"File both returns only through the CIMS website link given by RBI.","rbi_paragraph":null,"rbi_char_offset":2861,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p2","layer":"bankpulse"},{"n":3,"claim":"nt13248-76d1388a4","page_group":"Must know","stored_section":"KEY DATES","heading":"Example monthly due","plain_english":"The December 2025 monthly return is due by January 07, 2026.","rbi_paragraph":null,"rbi_char_offset":3277,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p3","layer":"bankpulse"},{"n":4,"claim":"nt13248-78893428a","page_group":"Must know","stored_section":"KEY DATES","heading":"Example quarterly due","plain_english":"The December 2025 quarter return is due by January 10, 2026.","rbi_paragraph":null,"rbi_char_offset":3445,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p4","layer":"bankpulse"},{"n":1,"claim":"nt13248-1a544445e","page_group":"Do it","stored_section":"WHO IT APPLIES TO","heading":"Who must report","plain_english":"All prepaid payment instrument issuers must follow these return rules.","rbi_paragraph":null,"rbi_char_offset":2177,"weight":"DO IT","role":"Compliance","team":null,"products_covered":["digital-payment"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p5","layer":"bankpulse"},{"n":2,"claim":"nt13248-564180713","page_group":"Do it","stored_section":"WHO SHOULD ACT","heading":"Create user logins","plain_english":"Admin users must create logins for staff who will file these two returns.","rbi_paragraph":null,"rbi_char_offset":3022,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p6","layer":"bankpulse"},{"n":1,"claim":"nt13248-06cbf4cf0","page_group":"Background","stored_section":"KEY DATES","heading":"Start grievance return","plain_english":"Send PPI grievance data in CIMS from the December 2025 quarter.","rbi_paragraph":null,"rbi_char_offset":2773,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":["digital-payment"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p7","layer":"bankpulse"},{"n":2,"claim":"nt13248-caecb41a2","page_group":"Background","stored_section":"WHO SHOULD ACT","heading":"Admin user role","plain_english":"Each entity already has admin users set up in CIMS.","rbi_paragraph":null,"rbi_char_offset":2953,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p8","layer":"bankpulse"},{"n":3,"claim":"nt13248-c409788b6","page_group":"Background","stored_section":"KEY DATES","heading":"Monthly due date","plain_english":"File each monthly return by the 7th of the next month.","rbi_paragraph":null,"rbi_char_offset":3166,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p9","layer":"bankpulse"},{"n":4,"claim":"nt13248-497d696fd","page_group":"Background","stored_section":"KEY DATES","heading":"Quarterly due date","plain_english":"File each quarterly return by the 10th of the next month.","rbi_paragraph":null,"rbi_char_offset":3350,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13248#p10","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. Always check the RBI document named in rbi_source before acting."}