{"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":"ace9ff628b","generated_at":"2026-09-18T02:44:41.440079+00:00","id":"nt13401","title":"Master Direction - Reserve Bank of India (Access Criteria for NDS-OM) Directions, 2025","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/nt13401","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding instrument, class not named: applies broadly","layer":"bankpulse_inference"},"applies_to":{"shown":"All regulated entities","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"nt13401","mode":"four_dates_v1","published":{"label":"Published","value":"Apr 27, 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/nt13401.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13401&Mode=0","document_date":"Apr 27, 2026","read_by_bankpulse":"2026-08-22 10:59:31 UTC","text_sha256":"d376d637974f787edfd80ee2892558d6b3fcba73c4235f8afb93b7dff1a0c75e","word_count":761,"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":5,"points_naming_an_rbi_paragraph":0,"points_stored":5,"actions":0,"amendments":0},"points":[{"n":1,"claim":"nt13401-09a8c3ed","page_group":"Do it","stored_section":"WHO SHOULD ACT","heading":"Applications via PRAVAAH","plain_english":"Firms must use PRAVAAH portal forms to apply for NDS-OM access.","rbi_paragraph":null,"rbi_char_offset":2935,"weight":"DO IT","basis":"reading","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13401#p1","layer":"bankpulse"},{"n":2,"claim":"nt13401-e2fe500b","page_group":"Do it","stored_section":"WHAT CHANGES","heading":"Revised forms in PRAVAAH","plain_english":"Banks must now use the new, simplified NDS-OM application format on PRAVAAH.","rbi_paragraph":null,"rbi_char_offset":3034,"weight":"DO IT","basis":"reading","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13401#p2","layer":"bankpulse"},{"n":1,"claim":"nt13401-88341e36","page_group":"Background","stored_section":"THE CORE IDEA","heading":"Access criteria scope","plain_english":"RBI has set entry rules for using NDS-OM, for direct, indirect and broker-based access.","rbi_paragraph":null,"rbi_char_offset":2327,"weight":"BACKGROUND","basis":"reading","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13401#p3","layer":"bankpulse"},{"n":2,"claim":"nt13401-9b7711c9","page_group":"Background","stored_section":"WHAT CHANGES","heading":"Forms removed from Directions","plain_english":"The NDS-OM application form is no longer part of the Directions text.","rbi_paragraph":null,"rbi_char_offset":3193,"weight":"BACKGROUND","basis":"reading","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13401#p4","layer":"bankpulse"},{"n":3,"claim":"nt13401-fc52779f","page_group":"Background","stored_section":"KEY DATES","heading":"Immediate applicability","plain_english":"These Directions take effect at once from the date of this letter.","rbi_paragraph":null,"rbi_char_offset":3506,"weight":"BACKGROUND","basis":"reading","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13401#p5","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."}