{"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":"nt13675","title":"Formation of new districts in the Union Territory of Ladakh – Assignment of Lead Bank Responsibility","document_kind":"Regulatory document","page":"https://bankpulse.ai/rule/nt13675","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":"nt13675","mode":"four_dates_v1","published":{"label":"Published","value":"Aug 10, 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/nt13675.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13675&Mode=0","document_date":"Aug 10, 2026","read_by_bankpulse":"2026-08-21 16:28:38 UTC","text_sha256":"16ccaeb1d98dbdf2645b9c5ae37d0076b2554a84158442c76846e13964eb2e71","word_count":760,"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":7,"points_naming_an_rbi_paragraph":0,"points_stored":7,"actions":0,"amendments":0},"points":[{"n":1,"claim":"nt13675-4169430b1","page_group":"Background","stored_section":"THE CORE IDEA","heading":"new Ladakh districts","plain_english":"Five new districts are formed in Ladakh: Sham, Nubra, Changthang, Zanskar and Drass.","rbi_paragraph":null,"rbi_char_offset":2397,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p1","layer":"bankpulse"},{"n":2,"claim":"nt13675-6a4554f51","page_group":"Background","stored_section":"WHAT CHANGES","heading":"lead bank Sham","plain_english":"State Bank of India is lead bank for Sham district, with district working code 02Z.","rbi_paragraph":null,"rbi_char_offset":2840,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p2","layer":"bankpulse"},{"n":3,"claim":"nt13675-6344c1f3d","page_group":"Background","stored_section":"WHAT CHANGES","heading":"lead bank Nubra","plain_english":"State Bank of India is lead bank for Nubra district, with district working code 03B.","rbi_paragraph":null,"rbi_char_offset":2931,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p3","layer":"bankpulse"},{"n":4,"claim":"nt13675-5deb5a262","page_group":"Background","stored_section":"WHAT CHANGES","heading":"lead bank Changthang","plain_english":"State Bank of India is lead bank for Changthang district, with district working code 03A.","rbi_paragraph":null,"rbi_char_offset":3025,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p4","layer":"bankpulse"},{"n":5,"claim":"nt13675-5dc6bc744","page_group":"Background","stored_section":"WHAT CHANGES","heading":"lead bank Zanskar","plain_english":"State Bank of India is lead bank for Zanskar district, with district working code 03C.","rbi_paragraph":null,"rbi_char_offset":3124,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p5","layer":"bankpulse"},{"n":6,"claim":"nt13675-8135f09c6","page_group":"Background","stored_section":"WHAT CHANGES","heading":"lead bank Drass","plain_english":"State Bank of India is lead bank for Drass district, with district working code 03D.","rbi_paragraph":null,"rbi_char_offset":3220,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p6","layer":"bankpulse"},{"n":7,"claim":"nt13675-25c09568f","page_group":"Background","stored_section":"WHAT CHANGES","heading":"other districts unchanged","plain_english":"Lead banks for all other Ladakh districts stay the same.","rbi_paragraph":null,"rbi_char_offset":3314,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13675#p7","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. 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