{
 "generated_at": "20 Jun 2026, 15:50 IST",
 "generated_at_iso": "2026-06-20T15:50:03+05:30",
 "dateModified": "2026-06-20T15:50:03+05:30",
 "datePublished": "2026-06-17T07:02:00+05:30",
 "count": 3546,
 "license": "Metadata free to use with attribution to BankPulse and the official RBI source.",
 "disclaimer": "Independent platform, not affiliated with the Reserve Bank of India. Never reproduces RBI text verbatim.",
 "circulars": [
  {
   "ref": "RBI/2009-2010/419",
   "title": "ADWDRS 2008: OTS Deadline Extended to June 30, 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-419/",
   "products": [],
   "summary": "RBI extends the One Time Settlement deadline under the Agricultural Debt Waiver and Debt Relief Scheme, 2008 to June 30, 2010 for 'other farmers'. Banks must submit final claims by June 30, 2010, and additional claims for debt relief cases settled from Jan 1 to June 30, 2010 by June 30, 2011, with n",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5617&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/418",
   "title": "SC/RC Management Takeover Guidelines 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-418/",
   "products": [],
   "summary": "RBI issued guidelines under SARFAESI Act for SC/RCs to change or take over borrower management. Key conditions: dues must be at least 25% of borrower's total assets, and if multiple creditors, 75% of security receipts must agree. Grounds include willful default.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5616&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/413",
   "title": "RBI Amends Securitisation & Reconstruction Company Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-413/",
   "products": [],
   "summary": "RBI has amended the 2003 Guidelines for Securitisation Companies (SCs) and Reconstruction Companies (RCs), effective April 21, 2010. Key changes include extending the asset realisation period from 5 to 8 years with board approval, clarifying asset acquisition can be in SC/RC books or directly in tru",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5614&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/414",
   "title": "RBI mandates SC/RCs to hold 5% stake in SRs till full redemption",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-414/",
   "products": [],
   "summary": "RBI now requires Securitisation/Reconstruction Companies to invest and continuously hold at least 5% of each class of Security Receipts under every scheme until all SRs are redeemed, preventing early exit by SC/RCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5613&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/416",
   "title": "Updated UN Terror List for Co-op Banks: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-416/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to update their UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida/Taliban. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5612&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/415",
   "title": "RBI Hikes CRR for Urban Co-op Banks by 25 bps",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-415/",
   "products": [],
   "summary": "RBI raised CRR for Scheduled Primary (Urban) Co-operative Banks from 5.75% to 6.00% of NDTL, effective fortnight starting April 24, 2010, aligning with monetary policy stance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5611&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/412",
   "title": "CRR Hiked 25 bps to 6% for Scheduled StCBs from Apr 24, 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-412/",
   "products": [],
   "summary": "RBI raised CRR for Scheduled State Co-operative Banks by 25 bps to 6.00% of NDTL, effective fortnight starting April 24, 2010, aligning with the Monetary Policy Statement 2010-11.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5610&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/411",
   "title": "RBI Revises Share Issue Norms for Private Sector Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-411/",
   "products": [],
   "summary": "RBI has updated guidelines for private sector banks on share issuance, clarifying that QIPs require prior in-principle approval, while rights and bonus issues no longer need RBI nod. IPOs still need approval, but subsequent pricing is free.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5609&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/409",
   "title": "RRBs: Export MSE Loans Eligible for Priority Sector",
   "url": "https://bankpulse.ai/c/rbi-2009-10-409/",
   "products": [],
   "summary": "RBI clarifies that loans to micro and small enterprises (MSEs) engaged in exports qualify as priority sector advances for RRBs, provided the borrower meets MSMED Act, 2006 definitions. Export credit to MSEs must be reported separately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5607&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/408",
   "title": "Banks Get Freedom to Set Own Deposit Conversion Policies",
   "url": "https://bankpulse.ai/c/rbi-2009-10-408/",
   "products": [],
   "summary": "RBI now allows banks to set their own policies for converting term, daily, or recurring deposits into new term deposits, replacing the earlier mandatory no-penalty rule. This gives lenders more flexibility for asset-liability management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5606&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/407",
   "title": "CRR Hiked 25 bps to 6% from April 24, 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-407/",
   "products": [],
   "summary": "RBI raised CRR by 25 bps to 6% of NDTL, effective fortnight starting April 24, 2010. This tightens liquidity and signals monetary tightening to control inflation, impacting all scheduled commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5605&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/406",
   "title": "Repo Rate Hiked to 5.25%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2009-10-406/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 5.25% effective April 20, 2010. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be charged at this higher rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5604&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:50 IST",
   "published_at_iso": "2026-06-20T15:50:00+05:30"
  },
  {
   "ref": "RBI/2009-10/433",
   "title": "RBI Circular on FATF-Identified High-Risk Jurisdictions for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-433/",
   "products": [],
   "summary": "RBI directs RRBs to consider AML/CFT risks from Iran, Angola, DPRK, Ecuador, Ethiopia, Pakistan, Turkmenistan, and Sao Tome and Principe as per FATF's February 18, 2010 statement, via circular dated April 27, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5631&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/431",
   "title": "Rupee Value of Special Currency Basket Revised to ₹60.90",
   "url": "https://bankpulse.ai/c/rbi-2009-10-431/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to ₹60.897378, effective April 9, 2010. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5629&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/430",
   "title": "RRBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2009-10-430/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and while scanning existing ones, banks must ensure no customer matches the list. Strict compliance with UAPA Order and freezing procedures is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5628&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/429",
   "title": "PMLA Rules Amended: Beneficial Owner Definition & Record-Keeping",
   "url": "https://bankpulse.ai/c/rbi-2009-10-429/",
   "products": [],
   "summary": "RBI mandates banks to comply with amended PMLA Rules (2005) requiring detailed transaction records and a clear definition of 'beneficial owner' as the natural person who ultimately owns or controls a client.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5627&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/428",
   "title": "Prevention of Money-laundering (Amendment) Rules, 2009: NBFC Compliance Advisory",
   "url": "https://bankpulse.ai/c/rbi-2009-10-428/",
   "products": [],
   "summary": "RBI advises all NBFCs and RNBCs to strictly follow the amended Prevention of Money-laundering Rules, 2009. The amendments were notified by the Government in November 2009. Firms must ensure meticulous compliance across their operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5626&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/427",
   "title": "NBFCs Must Screen Customers Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2009-10-427/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update their records with the UN's consolidated list of individuals/entities linked to Al-Qaida and Taliban, screen new accounts against it, and review existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5625&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/426",
   "title": "RBI Extends 2% Interest Subvention on Export Credit for FY 2010-11",
   "url": "https://bankpulse.ai/c/rbi-2009-10-426/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for handicrafts, carpets, handlooms, and SMEs from April 1, 2010 to March 31, 2011. Banks must cap lending rates at BPLR minus 4.5% and ensure full pass-through to eligible exporters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5624&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/423",
   "title": "RBI Eases Unlisted Non-SLR Investment Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-423/",
   "products": [],
   "summary": "RBI now allows banks to treat proposed-to-be-listed non-SLR debt securities as listed at investment time, easing primary market participation. If not listed within the specified period, they count toward the 10% unlisted non-SLR cap. Breaching the cap halts further non-SLR investments until complian",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5621&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/422",
   "title": "Infra Bonds Allowed Under HTM: RBI 2010 Circular",
   "url": "https://bankpulse.ai/c/rbi-2009-10-422/",
   "products": [],
   "summary": "RBI allowed banks to classify investments in long-term bonds (min 7-year residual maturity) issued by infrastructure companies under HTM, exempt from the 25% HTM ceiling. This eased capital requirements and encouraged infra lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5620&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/421",
   "title": "Infra Lending Boost: Annuities & Toll Rights as Tangible Security",
   "url": "https://bankpulse.ai/c/rbi-2009-10-421/",
   "products": [],
   "summary": "RBI now allows banks to treat annuities and toll collection rights from road/highway BOT projects as tangible security, and reduces provisioning on sub-standard infra loans from 20% to 15%, provided cash flows are escrowed with a legal first claim.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5619&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/420",
   "title": "RBI mandates extra authentication for all card-not-present transactions including IVR",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-420/",
   "products": [],
   "summary": "RBI has extended mandatory additional authentication to all card-not-present transactions, including IVR, effective January 1, 2011. Banks must implement this to enhance security and avoid penalties under the Payment and Settlement Systems Act, 2007.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5618&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:46 IST",
   "published_at_iso": "2026-06-20T15:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/452",
   "title": "RBI revises interest on clearing-related overdrafts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-452/",
   "products": [],
   "summary": "RBI has mandated that interest on clearing-related overdrafts be benchmarked to the LAF Repo Rate plus a spread: 100 bps for intra-day and 300 bps for overnight or longer. This replaces the earlier penal rate structure and applies from May 6, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5659&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/447",
   "title": "UCBs get freedom to set own deposit conversion policies",
   "url": "https://bankpulse.ai/c/rbi-2009-10-447/",
   "products": [],
   "summary": "RBI now allows Primary Urban Co-operative Banks to set their own policies for converting term, daily, or recurring deposits into new term deposits without mandatory penalty waiver, replacing earlier prescriptive rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5655&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/446",
   "title": "RBI Raises Forex Cash Limit for Travel to Select Countries",
   "url": "https://bankpulse.ai/c/rbi-2009-10-446/",
   "products": [],
   "summary": "RBI increased the foreign currency notes/coins limit from USD 2,000 to USD 3,000 for travellers to countries other than Iraq, Libya, Iran, Russia, and CIS republics, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5648&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/445",
   "title": "FDI Pricing Guidelines Revised for Share Transfers",
   "url": "https://bankpulse.ai/c/rbi-2009-10-445/",
   "products": [],
   "summary": "RBI revised pricing guidelines for FDI share transfers, effective immediately. For listed shares, transfer price from resident to non-resident must not be less than preferential allotment price; for unlisted shares, fair valuation by a SEBI registered Category-I Merchant Banker or a Chartered Accoun",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5647&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/443",
   "title": "UCBs Can Now Open Off-site ATMs Without Annual Plan Approval",
   "url": "https://bankpulse.ai/c/rbi-2009-10-443/",
   "products": [],
   "summary": "RBI has liberalised off-site ATM norms for well-managed Primary (Urban) Cooperative Banks. Eligible UCBs can now set up off-site ATMs without prior approval through Annual Business Plans, subject to meeting specific regulatory criteria including minimum CRAR of 10%, net NPAs below 5%, and three year",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5645&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/442",
   "title": "NBFCs must get RBI NoC before overseas investments",
   "url": "https://bankpulse.ai/c/rbi-2009-10-442/",
   "products": [],
   "summary": "RBI mandates all NBFCs to obtain a 'No Objection' certificate from the Department of Non-Banking Supervision before making any overseas investment. Violations of FEMA 2004 rules attract penal provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5644&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/441",
   "title": "Export Credit for Agriculture & Allied Activities: Priority Sector Clarification",
   "url": "https://bankpulse.ai/c/rbi-2009-10-441/",
   "products": [],
   "summary": "RBI clarifies that loans for agriculture and allied activities qualify as priority sector advances even if the borrower is export-oriented. Banks must report such export credit separately under 'Export credit to agriculture sector'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5643&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/439",
   "title": "RBI flags high-risk jurisdictions for NBFC KYC/AML compliance",
   "url": "https://bankpulse.ai/c/rbi-2009-10-439/",
   "products": [],
   "summary": "RBI has directed all NBFCs and RNBCs to factor in AML/CFT deficiencies of Iran, Angola, North Korea, Ecuador, Ethiopia, Pakistan, Turkmenistan, and Sao Tome and Principe when assessing customer risk, based on FATF's February 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5641&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/438",
   "title": "UCBs to Collect Foreign Currency Cheques Beyond USD",
   "url": "https://bankpulse.ai/c/rbi-2009-10-438/",
   "products": [],
   "summary": "RBI extends customer-friendly collection of foreign currency cheques to all currencies, not just USD. Urban co-operative banks must now handle multi-currency cheque collections under the same streamlined process advised earlier for US dollar cheques.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5640&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/436",
   "title": "J&K Credit Relaxations Extended to March 2011",
   "url": "https://bankpulse.ai/c/rbi-2009-10-436/",
   "products": [],
   "summary": "RBI extends credit relaxations for J&K borrowers by one more year, up to March 31, 2011. All scheduled commercial banks (excluding RRBs) must continue the concessions originally outlined in the April 2004 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5634&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/435",
   "title": "UN Terror List Update: UCBs Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-435/",
   "products": [],
   "summary": "RBI has updated the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. All Primary (Urban) Co-operative Banks must screen new and existing accounts against this list and freeze assets of designated entities as per earlier UAPA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5633&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/434",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2009-10-434/",
   "products": [],
   "summary": "RBI has circulated an updated UN consolidated list of individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list, freeze assets of designated entities as per earlier UAPA procedures, and ensure strict compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5632&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:38 IST",
   "published_at_iso": "2026-06-20T15:38:00+05:30"
  },
  {
   "ref": "RBI/2009-10/460",
   "title": "UNSC 1267/1822 Terror List Update for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-460/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their records with the latest UNSC 1267 Committee's consolidated list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5672&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/459",
   "title": "RBI Finalizes Note Sorting Machine Standards",
   "url": "https://bankpulse.ai/c/rbi-2009-10-459/",
   "products": [],
   "summary": "RBI has finalized mandatory guidelines for note authentication and fitness sorting parameters in bank-operated machines. Banks must ensure machines classify notes as genuine or suspect, and sort unfit notes per specified criteria like soiling, tears, and stains. Implementation is immediate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5671&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/458",
   "title": "Export Credit for Agriculture: Priority Sector Clarification for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-458/",
   "products": [],
   "summary": "RBI clarifies that loans by RRBs for agricultural and allied activities qualify as priority sector, even if the borrower is an exporter. Export credit for such activities must be reported separately under 'Export credit to agriculture sector'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5670&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/457",
   "title": "Updated UN Terror List for Co-op Banks: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-457/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their records with the latest UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban, and screen all new and existing accounts against this list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5669&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/456",
   "title": "ECB Policy Liberalised for Infrastructure Finance Companies",
   "url": "https://bankpulse.ai/c/rbi-2009-10-456/",
   "products": [],
   "summary": "RBI now allows IFCs (NBFC-IFCs) to raise ECBs up to 50% of owned funds under automatic route, easing earlier approval-only norm. Above 50% still needs RBI approval. Other ECB rules unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5668&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/455",
   "title": "RBI Updates RRB Schedule: 9 New Banks In, 40 Old Banks Out",
   "url": "https://bankpulse.ai/c/rbi-2009-10-455/",
   "products": [],
   "summary": "RBI has included 9 amalgamated Regional Rural Banks in the Second Schedule of the RBI Act, 1934, and simultaneously excluded 40 erstwhile RRBs. This reflects the completion of amalgamation of these banks into new entities, effective from January 21, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5663&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/454",
   "title": "UN Terror List Update for RRBs: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2009-10-454/",
   "products": [],
   "summary": "RBI directs RRBs to update their UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. All new accounts must be screened against this list, and existing accounts must be scanned for matches. Freeze assets as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5662&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/453",
   "title": "Rupee Export Credit Interest Rate Ceiling Extended to June 30, 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-453/",
   "products": [],
   "summary": "RBI extends the interest rate ceiling on specified categories of pre-shipment and post-shipment rupee export credit at BPLR minus 2.5 percentage points until June 30, 2010. From July 1, 2010, the Base Rate system will apply, with all rupee export credit advances at or above Base Rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5661&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/450",
   "title": "NBFCs Must Disclose Property Mortgage in Housing Project Ads",
   "url": "https://bankpulse.ai/c/rbi-2009-10-450/",
   "products": [],
   "summary": "RBI mandates NBFCs to include a clause in housing project loan terms requiring builders to disclose mortgage details and NOC availability in all advertisements and brochures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5660&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/451",
   "title": "UN Terror List Updates: Banks Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-451/",
   "products": [],
   "summary": "RBI mandates banks to update the UN 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts, verify names against this list; also scan all existing accounts to ensure no matches. Strict compliance with UAPA Order and freezing procedur",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5658&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/449",
   "title": "RBI mandates collateral-free loans up to Rs 10 lakh for MSEs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-449/",
   "products": [],
   "summary": "RBI has accepted a Working Group's recommendation to raise the collateral-free loan limit for MSEs from Rs 5 lakh to Rs 10 lakh, making it mandatory for banks. Banks can seek CGS cover for these loans and must encourage branch staff to use the scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5657&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/448",
   "title": "PMLA Rules Amended: RRBs Must Track Beneficial Owners",
   "url": "https://bankpulse.ai/c/rbi-2009-10-448/",
   "products": [],
   "summary": "RBI mandates RRBs to comply with amended PMLA Rules, requiring detailed transaction records and identification of beneficial owners—the natural person ultimately owning or controlling a client.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5656&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:26 IST",
   "published_at_iso": "2026-06-20T15:26:00+05:30"
  },
  {
   "ref": "RBI/2009-10/472",
   "title": "RRBs: Updated UN Terror List Compliance Mandate",
   "url": "https://bankpulse.ai/c/rbi-2009-10-472/",
   "products": [],
   "summary": "RBI directs all RRBs to update their records with the latest UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5692&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/471",
   "title": "StCBs/DCCBs: Update UN Terror List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-471/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5687&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/470",
   "title": "StCBs/DCCBs: Updated UN Terror List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-470/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their records with the latest UN 1267 Committee consolidated list of individuals/entities linked to Al-Qaida and Taliban, and ensure no new or existing accounts are linked to listed names.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5686&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/469",
   "title": "Exim Bank's $30 mn LOC to Sierra Leone: Key Details",
   "url": "https://bankpulse.ai/c/rbi-2009-10-469/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 30 million Line of Credit to Sierra Leone for water projects. At least 85% of contract value must be sourced from India. Last LC/disbursement dates vary by contract type.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5685&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/468",
   "title": "PMLA Rules Amended: New Beneficial Owner Definition for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-468/",
   "products": [],
   "summary": "RBI mandates StCBs/DCCBs to comply with 2010 PMLA amendments: maintain detailed transaction records for reconstruction, and adopt the new 'beneficial owner' definition—the natural person ultimately owning or controlling a client.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5680&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/467",
   "title": "UCBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2009-10-467/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the UN 1267 Committee's consolidated list of terrorist individuals/entities. Banks must screen new and existing accounts against this list and freeze assets of designated entities as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5679&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/466",
   "title": "StCBs/DCCBs: Update Terrorist List Under UNSCR 1267/1822",
   "url": "https://bankpulse.ai/c/rbi-2009-10-466/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban under UNSCR 1267/1822, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5678&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/465",
   "title": "FEMA Liberalisation: Royalty & Lump-sum Remittances",
   "url": "https://bankpulse.ai/c/rbi-2009-10-465/",
   "products": [],
   "summary": "RBI has removed the prior approval requirement from the Ministry of Commerce for royalty and lump-sum payments under technical collaboration agreements, effective May 5, 2010. AD Category-I banks can now process these remittances directly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5677&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/464",
   "title": "StCBs/DCCBs: Update UN Terror List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-464/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update the UNSCR 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5676&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/463",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2009-10-463/",
   "products": [],
   "summary": "RBI has circulated the latest UNSC 1267 Committee updates to the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5675&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/462",
   "title": "FATF AML/CFT Risk Update for Co-op Banks: May 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-462/",
   "products": [],
   "summary": "RBI directs StCBs and CCBs to factor in AML/CFT risks from Iran, Angola, DPRK, Ecuador, Ethiopia, Pakistan, Turkmenistan, and Sao Tome and Principe per FATF's February 2010 statement. Banks must assess and mitigate these risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5674&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/461",
   "title": "KYC norms for proprietary concern accounts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-461/",
   "products": [],
   "summary": "RBI now mandates specific documents for proprietary concern accounts: any two from registration, municipal, tax, or professional licences. Existing accounts must comply by December 31, 2010. Banks must verify beneficial owners.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5673&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:18 IST",
   "published_at_iso": "2026-06-20T15:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/484",
   "title": "ABN Amro Bank N.V. renamed to The Royal Bank of Scotland N.V. in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2009-10-484/",
   "products": [],
   "summary": "RBI has officially changed the name of 'ABN Amro Bank N.V.' to 'The Royal Bank of Scotland N.V.' in the Second Schedule of the RBI Act, 1934, via a notification dated March 19, 2010, published in the Gazette on April 10, 2010. This is a name change only, with no impact on banking operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5709&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/483",
   "title": "Calyon Bank renamed to Credit Agricole Corporate and Investment Bank in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2009-10-483/",
   "products": [],
   "summary": "RBI has officially changed the name of 'Calyon Bank' to 'Credit Agricole Corporate and Investment Bank' in the Second Schedule of the RBI Act, 1934. This is a routine name update reflecting the bank's global rebranding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5708&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/482",
   "title": "United Overseas Bank Ltd added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2009-10-482/",
   "products": [],
   "summary": "RBI has included United Overseas Bank Ltd in the Second Schedule of the RBI Act, 1934, effective March 26, 2010. This grants it scheduled bank status, entitling it to central banking facilities like liquidity access and statutory privileges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5707&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/481",
   "title": "Commonwealth Bank of Australia added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2009-10-481/",
   "products": [],
   "summary": "RBI has included Commonwealth Bank of Australia in the Second Schedule of the RBI Act, 1934, making it a scheduled bank. This allows the bank to avail central banking facilities and be subject to RBI's regulatory framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5706&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/480",
   "title": "StCBs/DCCBs: Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2009-10-480/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5705&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/479",
   "title": "UN Terror List Update: RRBs Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-479/",
   "products": [],
   "summary": "RBI directs RRBs to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. All new and existing accounts must be screened against this list, and any matches must be handled per UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5700&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/478",
   "title": "RBI Introduces Second Liquidity Adjustment Facility (SLAF)",
   "url": "https://bankpulse.ai/c/rbi-2009-10-478/",
   "products": [],
   "summary": "RBI launched a daily Second Liquidity Adjustment Facility (SLAF) from May 28 to July 2, 2010, as a liquidity easing measure. SLAF auctions run between 4:15 PM and 4:45 PM. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5698&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/477",
   "title": "Temporary SLR Relief via LAF: 0.5% Additional Liquidity",
   "url": "https://bankpulse.ai/c/rbi-2009-10-477/",
   "products": [],
   "summary": "RBI allowed banks to borrow up to 0.5% of NDTL as extra LAF liquidity from May 28 to July 2, 2010, temporarily relaxing SLR norms. Banks could seek waiver of penal interest for any SLR shortfall caused by this facility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5697&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/476",
   "title": "RRBs Must Update UN Terrorist Lists for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2009-10-476/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5696&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/475",
   "title": "PMLA Rules Amended: NBFCs Must Comply with New KYC/Record-Keeping Norms (Amendment to 2005 Rules)",
   "url": "https://bankpulse.ai/c/rbi-2009-10-475/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to comply with the amended Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, via Government Notification No. 7/2010-E.S.F dated February 12, 2010, which updates client identity verification and transaction record maintenance. Strict adherence is adv",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5695&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/474",
   "title": "RBI warns banks on fictitious fund offers and lottery scams",
   "url": "https://bankpulse.ai/c/rbi-2009-10-474/",
   "products": [],
   "summary": "RBI reiterates that remittances for lottery, money circulation, or fictitious cheap fund offers are banned under FEMA. Banks must exercise extra vigilance when opening or transacting accounts linked to such schemes, as fraudsters use fake RBI letterheads and multiple accounts to collect fees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5694&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/473",
   "title": "UNSC 1267/1822 Terror List Update for StCBs/DCCBs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-473/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida/Taliban, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5693&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-20T15:09:00+05:30"
  },
  {
   "ref": "RBI/2009-10/496",
   "title": "RBI mandates public disclosure of penalties on Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2009-10-496/",
   "products": [],
   "summary": "RBI now requires Primary Dealers to publicly disclose penalties imposed for guideline violations. A press release will detail the penalty circumstances, and the penalty must also appear in the dealer's annual report notes. Effective July 1, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5728&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/495",
   "title": "Priority Sector Lending: Export Credit to MSEs & Agriculture by UCBs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-495/",
   "products": [],
   "summary": "RBI clarifies that loans to Micro and Small Enterprises (MSEs) qualify as priority sector regardless of export or domestic use, provided they meet MSMED Act 2006 definition. Similarly, all agriculture and allied loans are priority sector. Export credit to these must be reported separately in Stateme",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5727&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/494",
   "title": "RBI Tightens KYC/AML Rules for High-Risk Jurisdictions and Shell Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-494/",
   "products": [],
   "summary": "RBI mandates banks to scrutinize transactions from countries with weak AML/CFT regimes, using public info beyond FATF statements, and prohibits relationships with shell banks or foreign respondents that allow shell bank use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5726&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/493",
   "title": "PMLA Rules Amended: UCBs Must Track Beneficial Owners",
   "url": "https://bankpulse.ai/c/rbi-2009-10-493/",
   "products": [],
   "summary": "RBI mandates all Primary Urban Co-operative Banks to comply with amended PMLA Rules, requiring detailed transaction records and identification of beneficial owners—the natural persons who ultimately own or control clients, as per Government of India notification dated February 12, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5725&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/492",
   "title": "Rupee Value of Special Currency Basket Revised to ₹63.0402",
   "url": "https://bankpulse.ai/c/rbi-2009-10-492/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to ₹63.0402 effective May 31, 2010, from the earlier ₹60.897378. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5724&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/491",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267/1822",
   "url": "https://bankpulse.ai/c/rbi-2009-10-491/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban per UNSCR 1267 and 1822. Banks must screen new and existing accounts against this list and freeze assets as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5720&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/490",
   "title": "RBI bars lawyers, CAs from holding client accounts if confidentiality blocks KYC",
   "url": "https://bankpulse.ai/c/rbi-2009-10-490/",
   "products": [],
   "summary": "RBI has clarified that professional intermediaries like lawyers and chartered accountants cannot open or hold bank accounts for clients if their professional confidentiality rules prevent disclosing the true client identity to the bank. Banks must ensure they can identify beneficial owners.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5719&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/489",
   "title": "Update on UN Terrorist List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-489/",
   "products": [],
   "summary": "RBI directs banks to update their records with the latest UN 1267 Committee list of terrorist individuals/entities linked to Al-Qaida and Taliban, and ensure no new or existing accounts are linked to them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5718&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/488",
   "title": "RBI Clarifies KYC/AML Rules: Suspicion, STR Filing, PEPs & Principal Officer",
   "url": "https://bankpulse.ai/c/rbi-2009-10-488/",
   "products": [],
   "summary": "RBI clarifies that banks must conduct full-scale CDD before opening accounts if money laundering or terrorist financing is suspected. If unable to verify identity, file an STR with FIU-IND. PEP rules now explicitly cover beneficial owners and close relatives. Principal Officers must oversee all KYC/",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5717&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/487",
   "title": "UCB Real Estate Exposure Cap Clarified",
   "url": "https://bankpulse.ai/c/rbi-2009-10-487/",
   "products": [],
   "summary": "RBI clarifies that UCBs' total exposure to real estate, housing, and CRE is capped at 15% of total deposit resources based on audited balance sheet as of March 31 of the previous financial year. Loans against immovable property are classified by purpose; CRE classification depends on repayment sourc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5716&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/486",
   "title": "RRBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2009-10-486/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and while scanning existing ones, ensure no customer matches the list. Strictly follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5715&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-2010/485",
   "title": "UCBs: Review Deposits with Other Banks for Clearing",
   "url": "https://bankpulse.ai/c/rbi-2009-2010-485/",
   "products": [],
   "summary": "RBI directs non-scheduled UCBs to periodically review deposits placed with other non-scheduled UCBs for clearing arrangements, using published financials, to mitigate counterparty risk from potential downturns.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5710&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-20T15:02:00+05:30"
  },
  {
   "ref": "RBI/2009-10/508",
   "title": "FEMA Compounding Process Updated for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-508/",
   "products": [],
   "summary": "RBI has streamlined the compounding of FEMA contraventions, replacing the 2005 procedure. Applications are now processed within 180 days, with clearer guidelines on categorizing violations as minor, serious, or involving money-laundering. AD banks must guide constituents on the updated process.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5746&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/507",
   "title": "StCBs/DCCBs: No Anonymous Accounts via Professional Intermediaries",
   "url": "https://bankpulse.ai/c/rbi-2009-10-507/",
   "products": [],
   "summary": "RBI bars StCBs and DCCBs from opening accounts for clients through lawyers, CAs, or other intermediaries who cannot disclose the beneficial owner due to client confidentiality. Banks must identify and verify the true owner behind any pooled or escrow account.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5745&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/506",
   "title": "StCBs/DCCBs: KYC/AML/CFT norms and PMLA obligations",
   "url": "https://bankpulse.ai/c/rbi-2009-10-506/",
   "products": [],
   "summary": "RBI clarifies that StCBs/DCCBs must conduct full-scale customer due diligence (CDD) before opening accounts if money laundering or terrorist financing is suspected. Banks must file STRs with FIU-IND when unable to verify account holder identity, and apply enhanced CDD for Politically Exposed Persons",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5744&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/505",
   "title": "RBI Tightens Norms for Short-Term NCD Issuance (2010)",
   "url": "https://bankpulse.ai/c/rbi-2009-10-505/",
   "products": [],
   "summary": "RBI issued directions effective August 2, 2010, regulating issuance of Non-Convertible Debentures (NCDs) with maturity up to one year. Corporates must have minimum net worth of Rs.4 crore, standard asset classification, and minimum credit rating of P-2 (CRISIL equivalent). Minimum maturity is 90 day",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5743&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/504",
   "title": "RRBs Barred from Client Accounts via Lawyers, CAs",
   "url": "https://bankpulse.ai/c/rbi-2009-10-504/",
   "products": [],
   "summary": "RBI has directed RRBs to not open or maintain accounts held by professional intermediaries like lawyers and CAs who cannot disclose the client's identity due to confidentiality obligations. This reinforces KYC/AML norms under PMLA, 2002.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5742&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/503",
   "title": "Cheque Alterations Banned Under CTS from Dec 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-503/",
   "products": [],
   "summary": "RBI bans alterations/corrections on cheques cleared under Cheque Truncation System (CTS) from December 1, 2010, to curb fraud. Banks must reject such cheques upfront. Other clearing methods remain unaffected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5741&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/502",
   "title": "Updated UN Terror List: StCBs/DCCBs Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2009-10-502/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5740&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/501",
   "title": "RRBs: Enhanced KYC/AML norms for PEPs, STR filing, and CDD",
   "url": "https://bankpulse.ai/c/rbi-2009-10-501/",
   "products": [],
   "summary": "RBI tightens KYC/AML rules for RRBs: full CDD before opening accounts on suspicion of money laundering; file STR with FIU-IND if unable to verify customer identity; extend enhanced due diligence to PEPs as beneficial owners; Principal Officer must oversee overall compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5734&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/500",
   "title": "Compromise Settlement of NPAs: Fairness & Compliance Mandated",
   "url": "https://bankpulse.ai/c/rbi-2009-10-500/",
   "products": [],
   "summary": "RBI mandates that all compromise/one-time settlements of NPAs must be fair, transparent, and fully compliant with its guidelines. Sanctioning officers must now certify compliance. This follows concerns over inconsistent treatment of borrowers and ignoring available securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5733&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/499",
   "title": "Agricultural Loan Margin/Security Waiver Limit Doubled to Rs 1 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2009-10-499/",
   "products": [],
   "summary": "RBI has doubled the threshold for waiving margin and security requirements on agricultural loans from Rs 50,000 to Rs 1,00,000, effective immediately. Banks must update their lending policies and communicate the change to all branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5732&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/498",
   "title": "UN Terror List Update for UCBs: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2009-10-498/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their consolidated list of individuals/entities linked to Al-Qaida and Taliban per UNSCR 1267/1822. Banks must screen new and existing accounts against this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5731&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2009-10/497",
   "title": "Cash Management Bills: PD Bidding & Success Ratio Rules",
   "url": "https://bankpulse.ai/c/rbi-2009-10-497/",
   "products": [],
   "summary": "Primary Dealers must bid in all Cash Management Bill auctions per their Treasury Bill bidding commitment, and CMB auction success counts toward the 40% minimum success ratio for T-Bills each half-year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5730&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:54 IST",
   "published_at_iso": "2026-06-20T14:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/45",
   "title": "Master Circular on IRAC Norms for UCBs (July 1, 2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-45/",
   "products": [],
   "summary": "RBI consolidated all income recognition, asset classification, and provisioning guidelines for Urban Co-operative Banks (UCBs) as of July 1, 2010, updating instructions up to June 30, 2010. This replaces the 2009 master circular and must be adopted immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5761&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/44",
   "title": "Master Circular on Housing Finance for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-44/",
   "products": [],
   "summary": "RBI consolidated housing finance guidelines for UCBs as of July 1, 2010. Banks can lend to individuals, societies, and housing boards for construction, repairs, and slum schemes. Loan terms, margins, and priority sector treatment are covered.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5760&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/43",
   "title": "Master Circular on Exposure Norms for UCBs – July 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-43/",
   "products": [],
   "summary": "RBI consolidated all exposure norms for Urban Co-operative Banks (UCBs) as of June 30, 2010. Key limits: individual borrower exposure capped at 15% of capital funds, group exposure at 40%. Banks must set board-approved ceilings annually and include both credit and non-SLR investment exposure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5759&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/42",
   "title": "Master Circular: Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-42/",
   "products": [],
   "summary": "RBI consolidated all guidelines on guarantees, co-acceptances, and letters of credit for Primary Urban Co-operative Banks (UCBs) as of June 30, 2010. Key limits: total guarantees capped at 10% of owned resources; unsecured guarantees at 25% of owned funds or total guarantees (whichever lower); no gu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5758&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/3",
   "title": "Master Circular on NRO Accounts (2010-11)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-3/",
   "products": [],
   "summary": "RBI consolidated all NRO account rules into one master circular effective July 1, 2010, with a one-year sunset clause. It covers eligibility, account types, permissible credits/debits, and joint account norms for NRIs and PIOs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5756&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/2",
   "title": "Master Circular on Remittance Facilities for NRIs/PIOs/Foreign Nationals",
   "url": "https://bankpulse.ai/c/rbi-2010-11-2/",
   "products": [],
   "summary": "RBI consolidated remittance rules for NRIs, PIOs, and foreign nationals into one master circular effective July 1, 2010, with a one-year sunset clause. It covers repatriation of current income, assets, salary, and sale proceeds of residential property, requiring AD banks to ensure tax compliance and",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5755&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/515",
   "title": "OTC CD and CP Trade Reporting on FIMMDA Platform",
   "url": "https://bankpulse.ai/c/rbi-2009-10-515/",
   "products": [],
   "summary": "From July 1, 2010, all RBI-regulated entities must report OTC secondary market transactions in CDs and CPs on the FIMMDA reporting platform within 15 minutes of trade execution for online dissemination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5753&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/514",
   "title": "Capital Market Exposure: IPC Transition Extended to July 31, 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-514/",
   "products": [],
   "summary": "RBI extended the transition period for banks to comply with capital market exposure norms for loans to mutual funds and IPCs by one month, from June 30, 2010 to July 31, 2010. This is a deadline extension, not a rule change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5752&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/510",
   "title": "RBI mandates phased 60% micro enterprise lending target for banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-510/",
   "products": [],
   "summary": "Banks must achieve 20% year-on-year credit growth to MSEs, allocate 60% of MSE advances to micro enterprises by 2012-13, and grow micro enterprise accounts by 10% annually. Phased targets: 50% in 2010-11, 55% in 2011-12, 60% in 2012-13.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5751&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/513",
   "title": "Export proceeds realisation period extended till March 2011",
   "url": "https://bankpulse.ai/c/rbi-2009-10-513/",
   "products": [],
   "summary": "RBI extends the 12-month period for export proceeds realisation and repatriation for goods/software until March 31, 2011. SEZ units and exports to overseas warehouses remain under existing rules. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5749&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/511",
   "title": "Rupee Export Credit Interest Rates: Subvention & Base Rate Transition",
   "url": "https://bankpulse.ai/c/rbi-2009-10-511/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for handicrafts, carpets, handlooms, and SMEs from April 1, 2010 to March 31, 2011. From July 1, 2010, banks must apply Base Rate, but can reduce rates by subvention amount, even below Base Rate, subject to a 7% floor.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5748&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2009-10/509",
   "title": "Update on UN Terrorist List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2009-10-509/",
   "products": [],
   "summary": "RBI has updated the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list, freeze assets of designated entities per UAPA procedures, and ensure compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5747&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-20T14:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/77",
   "title": "RBI Master Circular on RRB Branch Licensing",
   "url": "https://bankpulse.ai/c/rbi-2010-11-77/",
   "products": [],
   "summary": "RBI consolidated all branch licensing rules for Regional Rural Banks into a single master circular. RRBs must now get prior RBI approval for new branches, shifts, or mergers, with NABARD handling applications and Empowered Committees making recommendations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5784&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/59",
   "title": "RBI Master Circular: Investment Portfolio Norms for FIs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-59/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on prudential norms for classification, valuation, and operation of investment portfolios by all-India term lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI), effective July 1, 2010, updating previous guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5772&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/51",
   "title": "Master Circular: Bank Finance to NBFCs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-51/",
   "products": [],
   "summary": "RBI updated its master circular on bank finance to NBFCs, consolidating instructions up to June 30, 2010. Key changes include withdrawal of the NOF-linked ceiling for registered NBFCs, allowing need-based working capital and term loans, and continued restrictions on bridge loans and guarantees for f",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5771&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/50",
   "title": "Master Circular: Prudential Norms for Bank Investment Portfolios (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-50/",
   "products": [],
   "summary": "RBI consolidated and updated prudential norms for classification, valuation, and operation of banks' investment portfolios as of July 1, 2010, superseding the 2009 master circular. All commercial banks (excluding RRBs) must comply with these updated guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5770&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/49",
   "title": "Basel I Capital Adequacy Master Circular 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-49/",
   "products": [],
   "summary": "RBI consolidated Basel I capital adequacy norms for commercial banks (excluding RRBs) as of July 1, 2010. This circular updates previous instructions and applies only for calculating the prudential floor on capital, since banks have migrated to Basel II from March 31, 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5769&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/41",
   "title": "Master Circular on Financial Statement Disclosures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-41/",
   "products": [],
   "summary": "RBI consolidated all disclosure norms for Notes to Accounts in financial statements, updating the 2009 master circular with instructions up to June 30, 2010. It applies to all scheduled commercial banks except RRBs and LABs, covering capital, investments, asset quality, and more.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5768&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/40",
   "title": "RBI Master Circular on Exposure Norms for FIs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-40/",
   "products": [],
   "summary": "RBI consolidated exposure norms for all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI) as of July 1, 2010. Key limits: single borrower exposure capped at 15% of capital funds, group borrowers at 40%, with specific provisions for infrastructure, bridge loans, and NBFC",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5767&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/39",
   "title": "RBI Master Circular on Disclosure Norms for FIs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-39/",
   "products": [],
   "summary": "RBI consolidated disclosure norms for all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI) into a single master circular effective July 1, 2010, covering capital, asset quality, liquidity, operating results, provisions, restructured accounts, derivatives, and more.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5766&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/38",
   "title": "Master Circular: Resource Raising Norms for FIs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-38/",
   "products": [],
   "summary": "RBI consolidated resource raising norms for Exim Bank, NABARD, NHB, and SIDBI into a single master circular effective July 1, 2010. It covers umbrella limits for deposits, CPs, CDs, and bonds, aiming to level the playing field among these institutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5765&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/48",
   "title": "Master Circular on UCB Branch Expansion and Operations",
   "url": "https://bankpulse.ai/c/rbi-2010-11-48/",
   "products": [],
   "summary": "RBI consolidated all instructions on area of operation, branch authorisation, extension counters, ATMs, and office shifts for Primary Urban Co-operative Banks as of June 30, 2010. This replaces the 2009 master circular and must be acknowledged by banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5764&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/47",
   "title": "Priority Sector Lending Master Circular for UCBs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-47/",
   "products": [],
   "summary": "RBI consolidated priority sector lending rules for Urban Co-operative Banks (UCBs) as of July 1, 2010. Targets remain unchanged: 60% of net bank credit to priority sectors, with 15% to weaker sections. Agriculture, micro/small enterprises, and education loans qualify.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5763&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/46",
   "title": "Capital Adequacy Master Circular for Urban Co-op Banks (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-46/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on capital adequacy norms for Primary (Urban) Co-operative Banks, updating all instructions issued up to June 30, 2010. It covers statutory capital requirements, share-linking to borrowings, Basel I-based risk-weighted capital adequacy with a minimum CRAR of",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5762&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-20T14:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/8",
   "title": "Master Circular on ECB and Trade Credits (2010-11)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-8/",
   "products": [],
   "summary": "RBI consolidated all ECB and trade credit rules into one master circular effective July 1, 2010, with a one-year sunset clause. It covers automatic and approval routes, eligible borrowers, lenders, end-uses, and reporting. Banks must use this as the single reference for ECB and trade credit transact",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5786&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/6",
   "title": "Master Circular on Export of Goods and Services (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-6/",
   "products": [],
   "summary": "RBI consolidated all existing instructions on export of goods and services into one master circular, effective July 1, 2010, with a one-year sunset clause. It applies to all Category-I Authorised Dealer banks and is based on FEMA 1999 and current account rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5785&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/75",
   "title": "RBI Consolidates KYC/AML/CFT Norms for Banks (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-75/",
   "products": [],
   "summary": "RBI issued a master circular consolidating all KYC/AML/CFT guidelines up to June 30, 2010, applicable to scheduled commercial banks (excluding RRBs), all India financial institutions, and local area banks. It reinforces customer identification, transaction monitoring, and reporting under PMLA, 2002.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5783&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/10",
   "title": "Master Circular on Vostro Accounts for Non-Resident Exchange Houses",
   "url": "https://bankpulse.ai/c/rbi-2010-11-10/",
   "products": [],
   "summary": "RBI consolidated guidelines for AD Category-I banks on opening and maintaining rupee/foreign currency vostro accounts for non-resident exchange houses from Gulf, Hong Kong, and Singapore. Key points: prior RBI approval needed, due diligence on exchange houses, and optional agreement registration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5782&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/74",
   "title": "Master Circular: Prudential Norms on Income Recognition, Asset Classification and Provisioning",
   "url": "https://bankpulse.ai/c/rbi-2010-11-74/",
   "products": [],
   "summary": "RBI updated its master circular on prudential norms for advances, consolidating all instructions issued up to June 30, 2010. This covers NPA classification, income recognition, provisioning, and restructuring guidelines for commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5781&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/73",
   "title": "Master Circular: Loans & Advances – Statutory & Other Restrictions (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-73/",
   "products": [],
   "summary": "RBI consolidated all statutory and regulatory restrictions on loans and advances for scheduled commercial banks (excluding RRBs) as of July 1, 2010. This master circular updates previous instructions and covers restrictions on advances to directors, relatives, officers, sensitive commodities, shares",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5780&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/58",
   "title": "Branch Authorisation Master Circular 2010: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2010-11-58/",
   "products": [],
   "summary": "RBI updated its Master Circular on Branch Authorisation under Section 23 of the Banking Regulation Act, 1949, consolidating all instructions issued up to June 30, 2010. This replaces the July 2009 circular and covers rules for opening, shifting, merging, and closing branches, including ATMs and busi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5778&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/37",
   "title": "Master Circular on Nomination for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-37/",
   "products": [],
   "summary": "RBI consolidated all nomination rules for Relief/Savings Bonds into a single master circular, effective July 1, 2010. Agency banks must follow updated procedures for nominations, variations, and cancellations, including for NRI nominees on 8% Savings Bonds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5776&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/36",
   "title": "Master Circular on Broker Appointment & Brokerage for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-36/",
   "products": [],
   "summary": "RBI consolidated all operative instructions on broker appointment, delisting, and brokerage payment for Relief/Savings Bonds into a single Master Circular, effective July 1, 2010. Agency banks must follow simplified enrollment, ensure no RBI name misuse by sub-agents, pay 1% brokerage within 30 days",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5775&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/9",
   "title": "Master Circular on Money Transfer Service Scheme (MTSS)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-9/",
   "products": [],
   "summary": "RBI's 2010 Master Circular consolidates MTSS rules: only inward personal remittances (family maintenance, tourist funds) allowed; no outward remittances. Indian Agents must be AD-I/II banks or FFMCs. Circular had a one-year sunset clause, replaced July 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5774&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/7",
   "title": "FEMA Contravention Compounding: Master Circular 2010-11",
   "url": "https://bankpulse.ai/c/rbi-2010-11-7/",
   "products": [],
   "summary": "RBI's Master Circular No.07/2010-11 consolidates rules for voluntarily compounding FEMA contraventions. It allows individuals and entities to admit violations and settle penalties, avoiding adjudication. Banks must guide customers on this process, which covers most FEMA sections except hawala transa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5773&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:29 IST",
   "published_at_iso": "2026-06-20T14:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/11",
   "title": "Master Circular on Foreign Entity Offices in India",
   "url": "https://bankpulse.ai/c/rbi-2010-11-11/",
   "products": [],
   "summary": "RBI consolidated rules for foreign entities opening Liaison/Branch/Project Offices in India. Key requirements: profit track record (3 years for LO, 5 for BO), minimum net worth (USD 50k for LO, USD 100k for BO), and application via AD Category-I bank under RBI or Government route based on FDI sector",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5801&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/68",
   "title": "Master Circular on Exposure Norms (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-68/",
   "products": [],
   "summary": "RBI consolidated all exposure norms for scheduled commercial banks (excluding RRBs) as of July 1, 2010. This covers credit limits for individual/group borrowers, sectoral caps, and capital market exposure rules. No new policy changes; purely an update of existing instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5800&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/15",
   "title": "Master Circular on NRI/PIO Property Acquisition in India",
   "url": "https://bankpulse.ai/c/rbi-2010-11-15/",
   "products": [],
   "summary": "RBI's 2010 Master Circular consolidates rules for NRIs/PIOs buying immovable property in India (excluding farmland). It permits purchase via inward remittance or NRE/FCNR/NRO accounts, and outlines transfer and repatriation rules. Banks must ensure compliance with FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5798&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/64",
   "title": "FCRA Master Circular: Banks' Role in Foreign Contributions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-64/",
   "products": [],
   "summary": "RBI consolidated FCRA, 1976 guidelines for banks on foreign contributions. Banks must verify recipient registration with MHA, use designated branches only, and submit half-yearly reports to the Central Government.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5796&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/61",
   "title": "Master Circular on Credit Card Operations (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-61/",
   "products": [],
   "summary": "RBI consolidated all credit card guidelines into a single Master Circular as of July 1, 2010, covering issuance, interest rates, billing, agent use, customer rights, grievance redressal, internal controls, and fraud prevention. Banks and NBFCs must strictly comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5794&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/57",
   "title": "Master Circular on Wilful Defaulters: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2010-11-57/",
   "products": [],
   "summary": "RBI consolidated all existing instructions on wilful defaulters into a single Master Circular, effective July 1, 2010. It defines wilful default, sets reporting thresholds (Rs.25 lakh and above), and mandates penal measures, including criminal action for defaults over Rs.1 crore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5793&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/4",
   "title": "Master Circular on Import of Goods and Services (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-4/",
   "products": [],
   "summary": "RBI consolidated all import-related forex rules into one Master Circular for AD Category-I banks. It covers Form A-1, advance remittances, import evidence, and gold imports. Banks must ensure compliance with FEMA, DGFT policy, and KYC norms. The circular had a one-year sunset clause ending July 1, 2",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5792&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/56",
   "title": "Master Circular on Priority Sector Lending- Special Programmes - Swarnajayanti Gram Swarozgar Yojana (SGSY)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-56/",
   "products": [],
   "summary": "RBI consolidated all SGSY guidelines into a single Master Circular effective July 1, 2010, covering SHG formation, lending norms, subsidy, and monitoring for rural self-employment. Banks must follow updated instructions for priority sector compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5791&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/54",
   "title": "Master Circular: SJSRY Priority Sector Lending Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2010-11-54/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on Swarna Jayanti Shahari Rozgar Yojana (SJSRY) into a single Master Circular effective July 1, 2010, covering revised guidelines from April 1, 2009, for urban poverty alleviation through self-employment and wage employment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5790&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/14",
   "title": "RBI Master Circular on Risk Management & Inter-Bank Dealings (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-14/",
   "products": [],
   "summary": "RBI consolidated all rules on forex derivatives, commodity hedging, NRI accounts, and inter-bank FX dealings into one master circular. It applies to AD Category-I banks and sets a one-year sunset clause, expiring July 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5789&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/13",
   "title": "Master Circular on Foreign Investment in India (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-13/",
   "products": [],
   "summary": "RBI consolidated all foreign investment rules for AD Category-I banks into a single Master Circular, covering FEMA provisions for equity and partnership investments. This circular had a one-year sunset clause, expiring July 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5788&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/12",
   "title": "Master Circular on Money Changing Activities (2010-11)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-12/",
   "products": [],
   "summary": "RBI consolidated all instructions on money changing into Master Circular No. 12/2010-11, effective July 1, 2010, with a sunset clause withdrawing it on July 1, 2011. It covers licensing, operations, KYC/AML norms for Authorised Money Changers, including FFMCs and RMCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5787&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:26 IST",
   "published_at_iso": "2026-06-20T14:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/79",
   "title": "MSME Lending Master Circular 2010: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2010-11-79/",
   "products": [],
   "summary": "RBI consolidated all MSME lending guidelines into a single Master Circular as of July 1, 2010. It adopts the MSMED Act 2006 definitions, including services sector and medium enterprises, with investment thresholds for manufacturing and service enterprises. Banks must use these definitions for priori",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5817&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/72",
   "title": "Master Circular on Interest Rates for Advances (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-72/",
   "products": [],
   "summary": "RBI consolidated all lending rate guidelines into a single Master Circular effective July 1, 2010, covering Base Rate, floating rates, penal rates, and monthly rests. Banks must adopt the Base Rate system for all new loans from that date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5816&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/70",
   "title": "Master Circular on CRR and SLR for SCBs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-70/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR instructions into a single master circular effective July 1, 2010, applicable to all scheduled commercial banks except RRBs. The CRR was set at 6.00% of net demand and time liabilities from April 24, 2010. Banks must comply with daily maintenance and reporting requir",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5815&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/67",
   "title": "Master Circular on Guarantees and Co-acceptances (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-67/",
   "products": [],
   "summary": "RBI consolidated all instructions on bank guarantees and co-acceptances into a single master circular effective July 1, 2010. It covers norms for unsecured guarantees, fraud prevention, FEMA-related guarantees, and payment of invoked guarantees. Applicable to all scheduled commercial banks except RR",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5813&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/65",
   "title": "Master Circular on Interest Rates for Rupee Deposits (Domestic, NRO, NRE)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-65/",
   "products": [],
   "summary": "RBI consolidated all directives on interest rates for domestic, NRO, and NRE rupee deposits as of July 1, 2010. This master circular updates previous instructions and applies to all scheduled commercial banks except RRBs. Key areas include minimum tenor, savings/term deposit rates, premature withdra",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5812&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/19",
   "title": "Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008 (as amended up to June 30, 2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-19/",
   "products": [],
   "summary": "RBI issued a consolidated version of the Non-Banking Financial Companies Auditor's Report (Reserve Bank) Directions, 2008, incorporating amendments up to June 30, 2010. Auditors must now submit a separate report to the board covering registration status, asset/income pattern compliance, and correct ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5811&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/35",
   "title": "SARFAESI: SC/RC Management Takeover Guidelines 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-35/",
   "products": [],
   "summary": "RBI issued guidelines under SARFAESI Act for SC/RCs to change or take over borrower management. Key conditions: dues must be at least 25% of borrower's total assets, and if multiple creditors, 75% of outstanding security receipts must agree. Aim is fair, transparent process.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5810&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/24",
   "title": "RBI Master Circular on KYC/AML for NBFCs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-24/",
   "products": [],
   "summary": "RBI consolidated all KYC/AML guidelines for NBFCs into a single Master Circular as of June 30, 2010, mandating board-approved policies within three months (by October 1, 2010). It applies to all NBFCs, MNBCs, and RNBCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5809&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/23",
   "title": "Miscellaneous NBFC Directions 1977 Updated as on June 30, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-23/",
   "products": [],
   "summary": "RBI issued an updated consolidated version of the Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977, incorporating all amendments up to June 30, 2010. This circular replaces earlier fragmented instructions and provides a single reference for compliance by miscellaneous non-banking ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5808&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/22",
   "title": "Master Circular on Fraud Monitoring for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-22/",
   "products": [],
   "summary": "RBI updated its master circular on fraud monitoring for deposit-taking NBFCs, dated July 1, 2010, updated up to June 30, 2010. It mandates timely fraud reporting, classification, and quarterly returns to RBI, with penalties for delays under Chapter V of the RBI Act, 1934.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5807&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2009-10/283",
   "title": "Bancassurance Disclosure Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2009-10-283/",
   "products": [],
   "summary": "RBI mandates banks to disclose commissions earned from bancassurance in balance sheets. This ensures transparency in fee-based income from insurance referrals and agency arrangements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5802&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:17 IST",
   "published_at_iso": "2026-06-20T14:17:00+05:30"
  },
  {
   "ref": "RBI/2010-11/92",
   "title": "Master Circular: Interest Rates on Rupee Deposits for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-92/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for rupee deposits at Primary Urban Co-operative Banks (UCBs) as of June 30, 2010. UCBs must pay interest only as per specified rates in Annexes, with conditions on savings, term, and current accounts. No new policy changes; it's an update of exist",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5829&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/91",
   "title": "Master Circular on Counterfeit Note Detection and Impounding",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-91/",
   "products": [],
   "summary": "RBI issued a 2010 master circular consolidating rules for detecting and impounding counterfeit notes. Banks must stamp, record, and issue receipts for fakes, file FIRs, train staff, and set up Forged Note Vigilance Cells. Compliance is mandatory for all commercial, cooperative, and foreign banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5828&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/90",
   "title": "Penal Interest on Currency Chest Reporting Errors",
   "url": "https://bankpulse.ai/c/rbi-2010-11-90/",
   "products": [],
   "summary": "RBI's 2010 master circular mandates same-day reporting of currency chest transactions via ICCOMS by 9 PM, with penal interest on delays/wrong reports from T+0. No cap on penal interest; ineligible amounts in chest balances also attract charges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5827&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/32",
   "title": "Mortgage Guarantee Companies Investment Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2010-11-32/",
   "products": [],
   "summary": "RBI updated the Mortgage Guarantee Companies Investment Directions 2008 as of June 30, 2010. This circular consolidates all current instructions on investment norms, including definitions of fair value, NPA classification (90-day overdue), and investment policy requirements for mortgage guarantee co",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5826&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/28",
   "title": "RBI Consolidates NBFC-ND-SI Instructions (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-28/",
   "products": [],
   "summary": "RBI consolidated all 2009-10 instructions for systemically important non-deposit taking NBFCs (NBFC-ND-SI) into a single master circular. Key highlights: minimum CRAR of 10% initially, rising to 12% by March 31, 2010 and 15% by March 31, 2011, single/group exposure norms with RBI dispensation for th",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5825&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/27",
   "title": "RBI Master Circular on NBFC Corporate Governance (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-27/",
   "products": [],
   "summary": "RBI consolidated corporate governance norms for NBFCs as of June 30, 2010. Key updates: audit partner rotation every 3 years is desirable for NBFCs with public deposits or deposits ≥₹50 crore, and guidelines on Audit, Nomination, and Risk Management Committees for deposit-taking NBFCs with deposits ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5824&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/26",
   "title": "Master Circular: NBFC Entry into Insurance & Credit Card Business",
   "url": "https://bankpulse.ai/c/rbi-2010-11-26/",
   "products": [],
   "summary": "RBI consolidated rules for NBFCs entering insurance or credit card business as of June 30, 2010. Key points: NBFCs can do insurance agency without approval if conditions met; joint venture insurance requires RBI nod with max 50% equity; credit card business (including co-branded) needs prior RBI app",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5823&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/25",
   "title": "Master Circular: Fair Practices Code for NBFCs (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-25/",
   "products": [],
   "summary": "RBI consolidated all fair practices instructions for NBFCs/RNBCs as of June 30, 2010. Key requirements: loan application forms must include key terms, NBFCs must provide loan agreements with all enclosures, and any changes in terms must be communicated prospectively.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5822&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/82",
   "title": "Master Circular on Capital Adequacy for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-82/",
   "products": [],
   "summary": "RBI consolidated all capital adequacy and risk management guidelines for standalone Primary Dealers into a single master circular, effective July 1, 2010. It defines Tier-I and Tier-II capital components, including deductions and limits, and applies to PDs in the government securities market.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5821&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/81",
   "title": "Master Circular on Operational Guidelines for Primary Dealers (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-81/",
   "products": [],
   "summary": "RBI consolidated all operational guidelines for Primary Dealers (PDs) into a single master circular as of July 1, 2010. It covers regulations for standalone PDs and additional rules for banks doing PD business departmentally, including underwriting, trading, risk management, and compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5820&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/86",
   "title": "Master Circular on Export Credit Refinance Facility",
   "url": "https://bankpulse.ai/c/rbi-2010-11-86/",
   "products": [],
   "summary": "RBI consolidated all export credit refinance (ECR) guidelines into a single master circular as of July 1, 2010. Scheduled banks (excluding RRBs) can avail ECR up to 15% of eligible outstanding export credit at the Repo Rate, with no margin, for up to 180 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5819&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/80",
   "title": "Priority Sector Lending Master Circular 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-80/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending guidelines into a single Master Circular as of July 1, 2010, covering targets, sub-targets, and eligible categories for scheduled commercial banks (excluding RRBs). The broad categories include agriculture, micro and small enterprises, micro credit, educa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5818&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 14:06 IST",
   "published_at_iso": "2026-06-20T14:06:00+05:30"
  },
  {
   "ref": "RBI/2010-11/20",
   "title": "Master Circular on NBFC Returns – July 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-20/",
   "products": [],
   "summary": "RBI consolidated all NBFC return submission instructions into one master circular effective July 1, 2010. It lists mandatory returns for deposit-taking NBFCs, non-deposit-taking systemically important NBFCs, and others, covering deposits, prudential norms, ALM, and capital adequacy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5843&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/21",
   "title": "Master Circular: Exemptions from RBI Act, 1934 for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-21/",
   "products": [],
   "summary": "RBI consolidated exemptions from Chapter III-B of the RBI Act for housing finance institutions, merchant bankers, microfinance companies, and mutual benefit companies. Key conditions include registration with SEBI, credit limits, and no public deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5842&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/87",
   "title": "Master Circular on Direct Tax Collection via OLTAS",
   "url": "https://bankpulse.ai/c/rbi-2010-11-87/",
   "products": [],
   "summary": "RBI updated its master circular on direct tax collection through OLTAS, incorporating instructions issued up to end-June 2010. Agency banks must follow revised procedures for accepting, accounting, and reporting CBDT dues, including token issuance, secure handling of receipted challans, and adherenc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5841&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/76",
   "title": "Priority Sector Lending to Minority Communities: Master Circular (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-76/",
   "products": [],
   "summary": "RBI consolidated all instructions on credit facilities to minority communities into a single Master Circular dated July 1, 2010. Banks must ensure fair credit flow to Sikhs, Muslims, Christians, Zoroastrians, and Buddhists, with special focus on 121 minority concentration districts as updated in 200",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5840&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/55",
   "title": "Master Circular on Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-55/",
   "products": [],
   "summary": "RBI consolidates all instructions on the SRMS scheme for rehabilitating manual scavengers. Banks must implement the scheme by December 31, 2009, with spillover cases up to March 31, 2010, replacing the old NSLRS scheme. Key features include capital subsidy, concessional loans, and capacity building.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5839&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/53",
   "title": "Priority Sector Lending to SC/ST: Master Circular 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-53/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on credit facilities for Scheduled Castes and Scheduled Tribes into a single Master Circular. Banks must weight credit planning in favor of SC/ST, design bankable schemes, and ensure sympathetic, timely loan processing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5838&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/100",
   "title": "Master Circular on Management of Advances for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-100/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Urban Co-operative Banks (UCBs) into a single master circular effective July 1, 2010, covering working capital assessment, credit administration, restructuring, and lending norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5837&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/99",
   "title": "Master Circular on UCB Investments – July 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-99/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary Urban Co-operative Banks into a single master circular as of July 1, 2010. Key limits include: total shareholding in other co-op societies capped at 2% of owned funds, and per-society investment capped at 5% of its subscribed capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5836&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/96",
   "title": "Master Circular on Inspection & Audit for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-96/",
   "products": [],
   "summary": "RBI consolidated inspection and audit guidelines for Primary Urban Co-operative Banks as of June 30, 2010, emphasizing stronger internal audit, Ghosh Committee recommendations, and the need for competent inspection staff to detect frauds and malpractices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5833&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/95",
   "title": "Master Circular on Board of Directors for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-95/",
   "products": [],
   "summary": "RBI consolidated all instructions on UCB board composition, roles, and professionalism as of June 30, 2010. Key updates include mandatory at least two directors with banking or professional qualifications, clear dos and don'ts for directors, and emphasis on policy oversight over daily operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5832&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/94",
   "title": "Master Circular on CRR & SLR for Urban Co-operative Banks (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-94/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR rules for Primary (Urban) Co-operative Banks as of June 30, 2010. Scheduled UCBs follow Section 42 of RBI Act for CRR; non-scheduled UCBs follow Section 18 of BR Act. SLR rules under Section 24 apply to all UCBs. Daily liquidity register mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5831&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/93",
   "title": "Master Circular on Deposit Accounts for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-93/",
   "products": [],
   "summary": "RBI consolidated all instructions on deposit account maintenance for Primary Urban Co-operative Banks as of June 30, 2010. Key areas include KYC norms, nomination facilities, joint account operations, and settlement of deceased depositor claims. Banks must ensure strict compliance with updated guide",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5830&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:56 IST",
   "published_at_iso": "2026-06-20T13:56:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/105",
   "title": "UN Terror List Update for UCBs: July 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-105/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UN 1267 Committee consolidated list of individuals/entities linked to Al-Qaida and Taliban, and ensure no new or existing accounts are linked to them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5857&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/106",
   "title": "Repo Rate Hike: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-106/",
   "products": [],
   "summary": "RBI hiked repo rate by 25 bps to 5.50% effective July 3, 2010. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be available at the revised repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5856&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/103",
   "title": "Fraud Classification and Reporting for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-103/",
   "products": [],
   "summary": "RBI updates Master Circular on fraud classification and reporting for Primary Urban Co-operative Banks, effective July 1, 2010. Banks must report frauds promptly using prescribed formats, with strict timelines and penal action for delays.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5855&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/85",
   "title": "Master Circular on Call/Notice Money Market Operations",
   "url": "https://bankpulse.ai/c/rbi-2010-11-85/",
   "products": [],
   "summary": "RBI consolidated all existing call/notice money market guidelines into a single Master Circular, covering participants, prudential limits, interest rates, dealing hours, documentation, and reporting for banks and Primary Dealers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5854&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/89",
   "title": "Agency Commission Rates for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2010-11-89/",
   "products": [],
   "summary": "RBI revised agency commission for government business to a transaction-based model from July 1, 2005. Receipts earn Rs. 45 per transaction, payments (excluding pension) earn 9 paise per Rs. 100 turnover, and pension payments earn Rs. 60 per transaction. PPF and SCSS transactions follow similar rates",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5852&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/88",
   "title": "Master Circular: Pension Disbursement by Agency Banks (2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-88/",
   "products": [],
   "summary": "RBI updated its master circular on pension disbursement by agency banks, consolidating instructions up to June 30, 2010. Key changes include direct government orders for dearness relief to banks via email/fax and web hosting, ending RBI's forwarding role, and requiring banks to accept pensioner nomi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5851&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/84",
   "title": "Master Circular on Commercial Paper Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2010-11-84/",
   "products": [],
   "summary": "RBI consolidated all existing CP guidelines into a single master circular issued on July 1, 2010. Eligible issuers include corporates with tangible net worth ≥₹4 crore, PDs, and FIs. Minimum rating is P-2 equivalent, maturity 7 days to 1 year, and denominations of ₹5 lakh or multiples thereof.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5850&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/83",
   "title": "Master Circular on Certificates of Deposit Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2010-11-83/",
   "products": [],
   "summary": "RBI consolidated all existing CD guidelines into a master circular, effective July 1, 2010. Key rules: minimum deposit Rs.1 lakh, maturity 7 days to 1 year for banks, 1-3 years for FIs, NRIs can invest on non-repatriable basis, and banks must maintain CRR/SLR on issue price.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5849&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/33",
   "title": "Securitisation & Reconstruction Companies Guidelines 2003 (Updated June 2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-33/",
   "products": [],
   "summary": "RBI consolidated the 2003 Guidelines for Securitisation Companies (SCs) and Reconstruction Companies (RCs) as of June 30, 2010. Key definitions include NPA as overdue for 180 days or more from specified dates. The circular applies to all SCs/RCs registered under SARFAESI Act, 2002, with certain prov",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5847&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/30",
   "title": "RBI Updates Mortgage Guarantee Company Guidelines (2008) as of June 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-30/",
   "products": [],
   "summary": "RBI consolidated the Mortgage Guarantee Company Guidelines, 2008, into a single updated notification as of June 30, 2010. This circular provides the complete framework for registration and operations of mortgage guarantee companies, including definitions and scope, without introducing new policy cha",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5846&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/29",
   "title": "NBFC Master Circular: ALM, Nomination & Liquid Assets",
   "url": "https://bankpulse.ai/c/rbi-2010-11-29/",
   "products": [],
   "summary": "RBI consolidated miscellaneous NBFC instructions as of June 30, 2010, covering ALM system requirements for NBFCs with asset base of Rs.100 crore or public deposits of Rs.20 crore, nomination rules under Section 45QB, and safe custody of liquid assets in CSGL/demat accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5845&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/31",
   "title": "Mortgage Guarantee Companies Prudential Norms 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2010-11-31/",
   "products": [],
   "summary": "RBI updated the 2008 prudential norms for Mortgage Guarantee Companies as of June 30, 2010. Key definitions include NPA classification from trigger event, doubtful assets after 12 months, and net owned fund calculation. All MGCs must comply immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5844&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:49 IST",
   "published_at_iso": "2026-06-20T13:49:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/118",
   "title": "RBI Extends Second LAF Daily Till July 30, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-118/",
   "products": [],
   "summary": "RBI has extended the Second Liquidity Adjustment Facility (SLAF) on a daily basis until July 30, 2010, to give banks and primary dealers more flexibility in managing liquidity. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5879&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/117",
   "title": "Repo in Corporate Bonds: FIMMDA Reporting from Aug 2, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-117/",
   "products": [],
   "summary": "From August 2, 2010, all repo trades in corporate bonds must be reported on the FIMMDA platform within 15 minutes. This replaces the earlier interim arrangement of reporting to exchange clearing corporations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5878&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/116",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-116/",
   "products": [],
   "summary": "RBI has circulated the latest UNSC 1267 Committee updates to the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5877&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/115",
   "title": "Penalty for SGL Form Bouncing: New RBI Rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-115/",
   "products": [],
   "summary": "RBI replaces automatic 6-month SGL account debarment with graded monetary penalties up to Rs 5 lakh per instance, effective July 14, 2010. On the tenth default in a financial year, entities lose short-sale privileges. Penalties must be paid within 5 working days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5876&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/114",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-114/",
   "products": [],
   "summary": "RBI has forwarded updated UN 1267 Committee list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list, freeze assets as per UAPA Order, and ensure strict compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5875&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/113",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-113/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, covering new accounts and existing accounts, with freezing actions per UAPA Order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5874&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/112",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.60.8816",
   "url": "https://bankpulse.ai/c/rbi-2010-11-112/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.60.8816, effective June 24, 2010. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5873&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/111",
   "title": "RRBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-111/",
   "products": [],
   "summary": "RBI directs all RRBs to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities and screen new and existing accounts against it, following a Government of India notification from June 25, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5868&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/104",
   "title": "Fraud Classification and Reporting Master Circular 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-104/",
   "products": [],
   "summary": "RBI's July 2010 Master Circular consolidates fraud reporting norms for scheduled commercial banks. It mandates timely, accurate reporting of frauds involving ₹1 lakh and above, quarterly returns, and board-level reviews. Banks must strengthen fraud risk management and ensure CEO ownership of the fun",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5861&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/102",
   "title": "Master Circular: Note and Coin Exchange at Bank Branches",
   "url": "https://bankpulse.ai/c/rbi-2010-11-102/",
   "products": [],
   "summary": "RBI mandates all bank branches to actively exchange soiled notes and coins, accept small denominations, and designated branches handle mutilated notes under the Note Refund Rules 2009. Single numbered notes (Re.1, Rs.2, Rs.5) and double numbered notes (Rs.10 to Rs.1000) in not more than two pieces, ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5860&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/108",
   "title": "SLR Shortfall: Additional LAF Liquidity Support Extended to July 16, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-108/",
   "products": [],
   "summary": "RBI extends temporary additional LAF liquidity support—up to 0.5% of NDTL—until July 16, 2010. Banks can use excess SLR securities as collateral and seek waiver of penal interest for any SLR shortfall arising from this facility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5859&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/107",
   "title": "Repo and Reverse Repo Rate Hiked by 25 bps",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-107/",
   "products": [],
   "summary": "RBI raised repo rate to 5.50% and reverse repo rate to 4.00%, effective July 2, 2010, as part of a calibrated exit from expansionary policy. Second LAF will run daily until July 16, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5858&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-20T13:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/132",
   "title": "RBI Liberalises Mobile Branch and ATM Rules for Tier 3-6 Centres",
   "url": "https://bankpulse.ai/c/rbi-2010-11-132/",
   "products": [],
   "summary": "RBI now allows domestic scheduled commercial banks (excluding RRBs) to set up mobile branches and ATMs in Tier 3-6 centres and rural/semi-urban/urban areas in North Eastern states and Sikkim without prior approval, subject to reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5891&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/129",
   "title": "UN Terror List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-129/",
   "products": [],
   "summary": "RBI has circulated an updated UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban. All Urban Cooperative Banks must screen new and existing accounts against this list and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5890&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/128",
   "title": "Update on UN Terrorist List for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-128/",
   "products": [],
   "summary": "RBI directs banks to update the consolidated list of individuals/entities linked to Al-Qaida and Taliban under UNSCR 1267/1822. New accounts must be screened against this list, and existing accounts must be scanned for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5889&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/127",
   "title": "G-Sec, Repo, CBLO Market Timings Revised to 9 AM-5 PM",
   "url": "https://bankpulse.ai/c/rbi-2010-11-127/",
   "products": [],
   "summary": "RBI has shortened the trading window for G-sec, repo, and CBLO (T+1 settlement) by 30 minutes, aligning it with money and forex market hours. Effective August 2, 2010, the new timing is 9:00 AM to 5:00 PM, Monday to Friday.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5888&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/126",
   "title": "RRBs: Enhanced KYC/AML Checks for High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-126/",
   "products": [],
   "summary": "RBI directs RRBs to scrutinize transactions from countries with weak AML/CFT regimes, including those flagged by FATF. Banks must also avoid dealings with shell banks and verify foreign correspondent institutions. Non-compliance invites penalties under the Banking Regulation Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5887&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/123",
   "title": "Export Write-offs: Surrender of Incentives Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2010-11-123/",
   "products": [],
   "summary": "RBI now allows AD banks to approve export write-offs without requiring surrender of most export incentives (except Duty Drawback), provided the write-off is merit-based and backed by a Foreign Mission certificate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5885&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/124",
   "title": "ECB Take-out Finance for Infrastructure Projects",
   "url": "https://bankpulse.ai/c/rbi-2010-11-124/",
   "products": [],
   "summary": "RBI now permits infrastructure borrowers in sea ports, airports, roads, and power sectors to refinance domestic rupee loans via ECB under approval route, subject to tripartite agreement, 7-year minimum maturity, and no domestic bank guarantee.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5884&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/122",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.62.788607",
   "url": "https://bankpulse.ai/c/rbi-2010-11-122/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.62.788607, effective July 7, 2010. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5883&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/121",
   "title": "PMLA Second Amendment Rules 2010: Key AML Obligations for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-121/",
   "products": [],
   "summary": "RBI notifies banks of the Prevention of Money-laundering Second Amendment Rules, 2010, effective June 16, 2010. Banks must now identify beneficial owners, conduct ongoing due diligence, and treat terrorism-financing transactions as suspicious. No anonymous or fictitious accounts allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5882&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/120",
   "title": "KYC/AML norms for co-op banks: FATF non-compliant countries & shell banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-120/",
   "products": [],
   "summary": "RBI directs all state and central co-op banks to enhance scrutiny of transactions from FATF-listed and non-compliant countries, and prohibits relationships with shell banks. Banks must use public info to identify high-risk jurisdictions and document suspicious transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5881&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/119",
   "title": "UNSC 1267/1822 Terror List Update for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-119/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5880&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:34 IST",
   "published_at_iso": "2026-06-20T13:34:00+05:30"
  },
  {
   "ref": "RBI/2010-11/143",
   "title": "NBFCs must not discriminate against disabled loan applicants",
   "url": "https://bankpulse.ai/c/rbi-2010-11-143/",
   "products": [],
   "summary": "RBI directs all NBFCs to stop discriminating against physically or visually challenged persons in loan offerings. Branches must actively assist such applicants. This follows a reported case of discrimination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5909&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/18",
   "title": "NBFC Prudential Norms Extended to Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-18/",
   "products": [],
   "summary": "RBI has clarified that the NBFC prudential norms on credit/investment concentration limits apply to all standalone Primary Dealers. Investments in debentures will be treated as credit. PDs exceeding limits must comply within three months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5908&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/141",
   "title": "RRBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-141/",
   "products": [],
   "summary": "RBI directs all RRBs to update the UN 1267 Committee's consolidated list of individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and while reviewing existing ones, banks must ensure no customer appears on this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5907&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/140",
   "title": "Repo Rate Hiked to 5.75%: Standing Liquidity Facilities Priced Higher",
   "url": "https://bankpulse.ai/c/rbi-2010-11-140/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 5.75% effective July 27, 2010. Consequently, standing liquidity facilities for banks (export credit refinance) and Primary Dealers will now be available at the revised repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5906&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/139",
   "title": "LAF Securities No Longer Count as SLR Assets",
   "url": "https://bankpulse.ai/c/rbi-2010-11-139/",
   "products": [],
   "summary": "RBI has ruled that securities acquired under the Liquidity Adjustment Facility (LAF), including margin, cannot be treated as eligible assets for maintaining Statutory Liquidity Ratio (SLR) under Section 24 of the Banking Regulation Act, 1949.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5905&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/138",
   "title": "Repo and Reverse Repo Rate Hiked in July 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-138/",
   "products": [],
   "summary": "RBI raised repo rate by 25 bps to 5.75% and reverse repo rate by 50 bps to 4.50%, effective from the second LAF on July 27, 2010, as part of the First Quarter Review of Monetary Policy 2010-11.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5904&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/136",
   "title": "Revitalising SLBC Meetings: CM Participation & Workshops",
   "url": "https://bankpulse.ai/c/rbi-2010-11-136/",
   "products": [],
   "summary": "RBI directs SLBC convenor banks to encourage Chief Ministers to attend at least one SLBC meeting annually and to organise workshops for district administration on the Lead Bank Scheme, with quarterly action reports to RBI regional offices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5897&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/135",
   "title": "UCBs Must Update UN Terrorist List for Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-135/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the consolidated UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5896&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/134",
   "title": "Updated UN Terror List for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-134/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to update their UNSCR 1267/1822 terrorist lists with new Al-Qaida/Taliban entries from July 15, 2010. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5895&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/133",
   "title": "Prevention of Money-laundering Second Amendment Rules, 2010: Compliance Obligations for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-133/",
   "products": [],
   "summary": "RBI notified RRBs of the Prevention of Money-laundering Second Amendment Rules, 2010, via Government Notification No. 10/2010-E.S/F.No.6/8/2009-E.S. dated June 16, 2010. Banks must comply with updated record-keeping, transaction reporting, and client verification requirements under PMLA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5894&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/131",
   "title": "UNSC 1267 List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-131/",
   "products": [],
   "summary": "RBI directs cooperative banks to update their UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5893&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/130",
   "title": "Updated UN Terror List for Co-op Banks: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2010-11-130/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their records with the latest UN 1267 Committee list of terrorist individuals/entities linked to Al-Qaida and Taliban, and screen all new and existing accounts against this list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5892&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-20T13:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/172",
   "title": "HTM Sale Cap: 5% Threshold Triggers Disclosure",
   "url": "https://bankpulse.ai/c/rbi-2010-11-172/",
   "products": [],
   "summary": "RBI caps HTM sales/transfers at 5% of book value for FIs; exceeding triggers mandatory market value disclosure in annual accounts. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5952&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/155",
   "title": "RBI cracks down on delayed credits in RTGS/NEFT/ECS",
   "url": "https://bankpulse.ai/c/rbi-2010-11-155/",
   "products": [],
   "summary": "RBI warns member banks to strictly follow procedural guidelines for RTGS, NEFT, NECS, and ECS, or face penalties under the Payment and Settlement Systems Act, 2007. Delayed credits or returns and non-payment of penal interest are unacceptable.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5927&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/154",
   "title": "RBI eases AAC deadline for foreign BOs/LOs in India",
   "url": "https://bankpulse.ai/c/rbi-2010-11-154/",
   "products": [],
   "summary": "RBI has extended the deadline for foreign Branch/Liaison Offices to submit Annual Activity Certificates (AACs) from April 30 to September 30 each year, easing compliance pressure on these entities and their AD banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5926&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/153",
   "title": "HTM Sale Disclosure Threshold Set at 5%",
   "url": "https://bankpulse.ai/c/rbi-2010-11-153/",
   "products": [],
   "summary": "RBI mandates that if banks sell or transfer over 5% of HTM book value in a year, they must disclose the market value and any unprovided shortfall in audited annual accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5925&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/151",
   "title": "RRBs: Update UN Terrorist List & Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-151/",
   "products": [],
   "summary": "RBI directs all RRBs to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities, screen new and existing accounts against it, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5921&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/150",
   "title": "FATF-flagged Jurisdictions: Enhanced KYC/AML Checks Required",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-150/",
   "products": [],
   "summary": "RBI directs banks to apply enhanced due diligence for business with Iran, DPRK, and Sao Tome and Principe due to FATF-identified AML/CFT deficiencies. Iran faces countermeasures; the other two require risk consideration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5916&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/149",
   "title": "RBI Extends Transition Period for Capital Market Exposure Norms",
   "url": "https://bankpulse.ai/c/rbi-2010-11-149/",
   "products": [],
   "summary": "RBI has extended the transition period for banks to comply with capital market exposure norms, including loans to mutual funds and IPCs, from July 31, 2010, to September 30, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5915&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/148",
   "title": "UN Terror List Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-148/",
   "products": [],
   "summary": "RBI directs Urban Cooperative Banks to update their records with the latest UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5914&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/147",
   "title": "RBI Permits Exchange-Traded USD-INR Currency Options for Residents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-147/",
   "products": [],
   "summary": "RBI now allows residents to trade plain vanilla currency options on spot USD-INR on SEBI-recognised stock exchanges, expanding hedging tools beyond currency futures. Banks must comply with new Exchange Traded Currency Options (Reserve Bank) Directions, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5913&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/146",
   "title": "NCD Issuance Reporting: New RBI Rules for Debenture Trustees",
   "url": "https://bankpulse.ai/c/rbi-2010-11-146/",
   "products": [],
   "summary": "RBI mandates debenture trustees to report NCD issuance, outstanding amounts, and defaults. Issuance reports due within 3 days of issue completion, defaults immediately, and outstanding amounts quarterly within 5 working days. Submit hard and soft copies to RBI's Financial Markets Department.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5912&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/145",
   "title": "UN Terror List Update for UCBs: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-145/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow freezing procedures per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5911&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2009-10/144",
   "title": "UN Terror List Update for StCBs/DCCBs – July 2010",
   "url": "https://bankpulse.ai/c/rbi-2009-10-144/",
   "products": [],
   "summary": "RBI directs all StCBs and DCCBs to update their records with the latest UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5910&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:18 IST",
   "published_at_iso": "2026-06-20T13:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/173",
   "title": "UNSC 1267 Terror List Update for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-173/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5953&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/171",
   "title": "RBI Updates KYC/AML Guidance for UCBs on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-171/",
   "products": [],
   "summary": "RBI directs AD I category UCBs to apply enhanced scrutiny on transactions involving Iran, North Korea, and Sao Tome and Principe due to FATF-identified AML/CFT deficiencies. Banks must assess risks before onboarding or dealing with entities from these jurisdictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5951&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/170",
   "title": "UN Terror List Update for UCBs – August 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-170/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their records with the latest UN 1267 Committee's consolidated list of individuals/entities linked to Al-Qaida and Taliban, and screen new and existing accounts against this list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5946&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/168",
   "title": "RBI's New Regulatory Framework for Core Investment Companies (CICs)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-168/",
   "products": [],
   "summary": "RBI now requires Core Investment Companies (CICs) with assets of ₹100 crore or more to register as systemically important NBFCs, with exemptions from maintenance of net owned fund and prudential norms (including capital adequacy and exposure norms) under conditions of maintaining a minimum capital r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5944&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/167",
   "title": "ECB Limit Raised for Hotels, Hospitals, Software Firms",
   "url": "https://bankpulse.ai/c/rbi-2010-11-167/",
   "products": [],
   "summary": "RBI now allows hotels, hospitals, and software companies to raise ECB beyond USD 100 million per year under the Approval Route for capital expenditure, excluding land purchase. Earlier, only up to USD 100 million was allowed under the Automatic Route.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5943&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/166",
   "title": "NBFC-ND-SI Repo in Corporate Debt Securities: RBI Clarifications",
   "url": "https://bankpulse.ai/c/rbi-2010-11-166/",
   "products": [],
   "summary": "RBI clarifies that only NBFCs-ND with asset size of Rs. 100 crore and above (NBFCs-ND-SI) can participate in repo transactions in corporate debt securities, following IDMD directions and accounting guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5942&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/165",
   "title": "RBI expands export credit subvention to new sectors",
   "url": "https://bankpulse.ai/c/rbi-2010-11-165/",
   "products": [],
   "summary": "RBI extended 2% interest subvention on rupee export credit to leather, jute, engineering goods, and textiles sectors, effective April 1, 2010 to March 31, 2011. Banks must apply subvention after Base Rate, with a 7% floor rate, using new claim format from July 1, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5937&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/159",
   "title": "RBI tightens KYC/AML norms for Iran, DPRK, Sao Tome",
   "url": "https://bankpulse.ai/c/rbi-2010-11-159/",
   "products": [],
   "summary": "RBI directs cooperative banks to factor in AML/CFT risks from Iran, DPRK, and Sao Tome and Principe when dealing with persons or entities from these jurisdictions, following FATF's June 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5936&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/161",
   "title": "NBFCs: Enhanced KYC/AML for High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-161/",
   "products": [],
   "summary": "RBI directs NBFCs to use public info beyond FATF statements to identify countries with weak AML/CFT regimes, and scrutinize transactions from those jurisdictions more closely.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5934&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/163",
   "title": "NBFCs barred from anonymous client accounts via intermediaries",
   "url": "https://bankpulse.ai/c/rbi-2010-11-163/",
   "products": [],
   "summary": "RBI has tightened KYC/AML norms for NBFCs: professional intermediaries (lawyers, CAs) bound by client confidentiality cannot open accounts on behalf of clients. NBFCs must identify beneficial owners in pooled accounts and cannot accept accounts where true ownership is hidden.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5933&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/157",
   "title": "1% Interest Subvention on Housing Loans Up to Rs 10 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-157/",
   "products": [],
   "summary": "RBI extends 1% interest subvention on housing loans up to Rs 10 lakh (unit cost ≤ Rs 20 lakh) until March 31, 2011. Banks must submit monthly claims and quarterly utilization certificates to RBI. Aim: boost housing credit demand for middle/lower income groups.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5931&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/158",
   "title": "FCCB Buyback Window Extended to June 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-158/",
   "products": [],
   "summary": "RBI extends the approval route for FCCB buybacks until June 30, 2011. Indian companies can now apply through their AD Category-I bank for buyback/prepayment, subject to conditions from earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5928&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:09 IST",
   "published_at_iso": "2026-06-20T13:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/185",
   "title": "Exim Bank's $15 mn Line of Credit to Cambodia",
   "url": "https://bankpulse.ai/c/rbi-2010-11-185/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 15 million Line of Credit to Cambodia for a transmission line project. Banks must advise exporters on terms, including 85% Indian content, no agency commission, and specific LC/disbursement timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5973&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/184",
   "title": "RRBs Must Update UN Terrorist Lists for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-184/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and when scanning existing ones, banks must ensure no customer is on this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5968&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/183",
   "title": "PMLA Second Amendment Rules 2010: NBFCs Must Update AML Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-183/",
   "products": [],
   "summary": "RBI mandates NBFCs and RNBCs to comply with amended Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2010, requiring identification of beneficial owners, ongoing due diligence, and scrutiny of transactions linked to terrorism financing. Effective from June 16, 2010 (da",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5967&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/182",
   "title": "No-Frills Accounts for Student Scholarships",
   "url": "https://bankpulse.ai/c/rbi-2010-11-182/",
   "products": [],
   "summary": "RBI directs banks to open no-frills accounts for students from minority communities or other disadvantaged groups to receive government scholarships or other benefits, citing hardship from refusals. KYC norms must be followed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5966&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/180",
   "title": "KYC/AML norms for UCBs: FATF countries & shell banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-180/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to monitor transactions from FATF-identified jurisdictions and countries with weak AML/CFT regimes. Banks must also avoid relationships with shell banks and verify foreign respondent institutions don't enable shell bank use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5965&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/181",
   "title": "Exim Bank's USD 5.763 mn Line of Credit to Suriname for Helicopters",
   "url": "https://bankpulse.ai/c/rbi-2010-11-181/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 5.763 million Line of Credit to Suriname for purchasing helicopters from HAL. Banks must advise exporters, ensure GR/SDF declarations, and follow agency commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5964&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/179",
   "title": "Lead Bank for New Yadgir District Assigned to SBI",
   "url": "https://bankpulse.ai/c/rbi-2010-11-179/",
   "products": [],
   "summary": "RBI assigned Lead Bank responsibility for Karnataka's new Yadgir district to State Bank of India, effective from the district's formation on 30 December 2009. SBI retains Lead Bank role for the parent Gulbarga district as well.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5963&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/178",
   "title": "RRBs: Updated FATF List of High-Risk Jurisdictions for AML/CFT",
   "url": "https://bankpulse.ai/c/rbi-2010-11-178/",
   "products": [],
   "summary": "RBI has directed RRBs to apply enhanced scrutiny on transactions involving Iran, DPRK, and Sao Tome and Principe, based on FATF's June 2010 statement. Iran requires countermeasures; the other two need risk consideration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5962&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/177",
   "title": "UCBs: No Anonymous Accounts via Lawyers/CAs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-177/",
   "products": [],
   "summary": "RBI bars UCBs from opening accounts for professional intermediaries (lawyers, CAs) bound by client confidentiality that prevents disclosing the true client's identity. Banks must verify beneficial owners; pooled accounts are allowed only if the intermediary can reveal the client.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5957&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/176",
   "title": "UCBs: Enhanced KYC/AML/CFT Compliance and STR Filing",
   "url": "https://bankpulse.ai/c/rbi-2010-11-176/",
   "products": [],
   "summary": "RBI clarifies that UCBs must conduct full-scale customer due diligence (CDD) before opening accounts if money laundering or terrorist financing is suspected. Banks must file a Suspicious Transaction Report (STR) with FIU-IND when unable to verify a customer's identity. Principal Officer duties now e",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5956&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/175",
   "title": "FATF Jurisdictions: KYC/AML Alert for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-175/",
   "products": [],
   "summary": "RBI advises StCBs/DCCBs to consider FATF statement (June 25, 2010) regarding jurisdictions called upon to complete action plans. Banks must consider this info in their KYC/AML processes and have their Principal Officer acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5955&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/174",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267/1822",
   "url": "https://bankpulse.ai/c/rbi-2010-11-174/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban under UNSCR 1267 and 1822. Before opening new accounts, verify names against the list; also scan existing accounts for matches and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5954&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 13:01 IST",
   "published_at_iso": "2026-06-20T13:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/215",
   "title": "UCBs Must Update Terrorist Lists Under UNSCR 1267",
   "url": "https://bankpulse.ai/c/rbi-2010-11-215/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the consolidated list of individuals/entities linked to Al-Qaida and Taliban as per UNSCR 1267/1822. Banks must screen new and existing accounts against this list and comply with UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6016&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/200",
   "title": "PMLA Second Amendment Rules 2010: Obligations for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2010-11-200/",
   "products": [],
   "summary": "RBI mandates all payment system operators to comply with the Prevention of Money-laundering (Second Amendment) Rules, 2010, effective June 16, 2010. Key obligations include identifying beneficial owners, ongoing due diligence, and reporting transactions linked to terrorism financing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5992&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/199",
   "title": "RBI Tightens FDI Reporting: AD Banks Must Track Remittances",
   "url": "https://bankpulse.ai/c/rbi-2010-11-199/",
   "products": [],
   "summary": "RBI directs AD Category-I banks to ensure clients report FDI consideration within 30 days and issue instruments within 180 days. Banks must track remittances via Advance Reporting Format and FC-GPR to prevent BoP under-reporting and FEMA violations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5991&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/198",
   "title": "Exim Bank's USD 25 mn LOC to PTA Bank",
   "url": "https://bankpulse.ai/c/rbi-2010-11-198/",
   "products": [],
   "summary": "RBI notified a USD 25 million Exim Bank line of credit to PTA Bank (Kenya) for financing Indian exports to 17 African member countries. AD Category-I banks must inform exporters and follow revised commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5990&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/197",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-197/",
   "products": [],
   "summary": "RBI mandates banks to update the UN 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Screen all new and existing accounts against this list and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5989&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/193",
   "title": "RRBs: New KYC Docs for Proprietary Concern Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-193/",
   "products": [],
   "summary": "RBI now allows RRBs to accept Central/State Government registration or licensing documents, plus IEC from DGFT, as valid KYC for proprietary concern accounts. This expands the earlier document list from April 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5986&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/194",
   "title": "RRBs must act on FATF's AML/CFT deficiency list",
   "url": "https://bankpulse.ai/c/rbi-2010-11-194/",
   "products": [],
   "summary": "RBI directs all Regional Rural Banks to review and act on FATF's June 25, 2010 statement identifying jurisdictions with strategic AML/CFT deficiencies. Banks must ensure their Principal Officer acknowledges receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5985&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/192",
   "title": "Interest Subvention on Short-Term Crop Loans for 2010-11",
   "url": "https://bankpulse.ai/c/rbi-2010-11-192/",
   "products": [],
   "summary": "RBI announces 1.5% interest subvention and 2% additional subvention for timely repayment on short-term crop loans up to Rs.3 lakh for 2010-11, reducing effective rate to 5% for prompt payers. Public sector banks must submit estimates and claims.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5980&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/191",
   "title": "Co-op Banks Must Share Data with New Credit Info Companies",
   "url": "https://bankpulse.ai/c/rbi-2010-11-191/",
   "products": [],
   "summary": "RBI directs co-operative banks to furnish credit data to newly registered CICs—Experian and Equifax—alongside CIBIL. Banks must share current and historical data monthly to ensure accurate, updated credit information.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5979&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/190",
   "title": "Cheque Return Memo Must Now Show Date of Return",
   "url": "https://bankpulse.ai/c/rbi-2010-11-190/",
   "products": [],
   "summary": "RBI mandates that all banks must mention the 'date of return' on the Cheque Return Memo for dishonoured cheques, effective from the date of the circular (September 1, 2010). This ensures legal clarity and uniform practices across all scheduled commercial banks, RRBs, and cooperative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5978&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/188",
   "title": "Uniform Penal Interest for NEFT/NECS/ECS Delays",
   "url": "https://bankpulse.ai/c/rbi-2010-11-188/",
   "products": [],
   "summary": "RBI has standardized penal interest for delayed credit/return in NEFT, NECS, and ECS to LAF Repo Rate plus 2%, effective from September 1, 2010. This replaces the earlier Bank Rate benchmark for NEFT and aligns all retail electronic payment systems.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5976&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/186",
   "title": "Exim Bank's USD 67.4 Million Line of Credit to Sri Lanka for Railway Upgrade",
   "url": "https://bankpulse.ai/c/rbi-2010-11-186/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 67.4 million line of credit to Sri Lanka for upgrading the Colombo-Matara railway corridor. At least 85% of contract value must be sourced from India. Banks must facilitate LCs and remittances per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5974&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:54 IST",
   "published_at_iso": "2026-06-20T12:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/217",
   "title": "RBI Allows For-Profit Companies as Business Correspondents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-217/",
   "products": [],
   "summary": "RBI now permits banks to engage for-profit companies (excluding NBFCs) as Business Correspondents, expanding the pool beyond individuals and non-profits. Banks must conduct due diligence and ensure BCs comply with outsourcing guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6017&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/216",
   "title": "RRBs Must Update UN Terrorist Lists for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-216/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6015&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/214",
   "title": "RBI Tightens Ban on Bank Loans for Promoters' Equity Contribution",
   "url": "https://bankpulse.ai/c/rbi-2010-11-214/",
   "products": [],
   "summary": "RBI has clarified that banks cannot finance promoters' equity contributions or related costs like non-compete fees. This restriction also applies to overseas branches of Indian banks, reinforcing the rule that promoters must use their own funds for equity stakes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6014&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/213",
   "title": "Dispute Resolution Mechanism for Payment Systems",
   "url": "https://bankpulse.ai/c/rbi-2010-11-213/",
   "products": [],
   "summary": "RBI mandates all authorized payment system providers to establish a formal Dispute Resolution Mechanism within three months, covering clearing and settlement disputes under the PSS Act, 2007.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6009&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/212",
   "title": "NBFCs: Updated FATF List of High-Risk Jurisdictions for AML/CFT",
   "url": "https://bankpulse.ai/c/rbi-2010-11-212/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to factor in AML/CFT risks from Iran, DPRK, and Sao Tome and Principe per FATF's June 2010 statement. Iran requires countermeasures; the other two need risk consideration. Compliance officers must acknowledge receipt to their regional DNBS office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6008&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/211",
   "title": "RBI Allows Bullet Repayment for Gold Loans up to ₹1 Lakh for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-211/",
   "products": [],
   "summary": "RBI now permits Regional Rural Banks to offer bullet repayment for gold loans up to ₹1 lakh, with a 12-month tenure. Interest accrues monthly but is payable only at maturity. This gives borrowers flexibility while banks must maintain margins and follow NPA norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6007&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/209",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267",
   "url": "https://bankpulse.ai/c/rbi-2010-11-209/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban under UNSCR 1267/1822. Before opening new accounts, verify names against this list; also scan existing accounts for matches. Freeze assets as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6005&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/208",
   "title": "NPCI and USEIL investments excluded from capital market exposure limits",
   "url": "https://bankpulse.ai/c/rbi-2010-11-208/",
   "products": [],
   "summary": "RBI now excludes bank investments in NPCI and USEIL from the 40% net worth aggregate and 20% direct capital market exposure ceilings until listing. After listing, only excess over original investment counts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6004&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/206",
   "title": "RBI Bans Exclusivity Clauses in Cross-Border Money Transfer Agent Contracts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-206/",
   "products": [],
   "summary": "RBI prohibits overseas money transfer operators from including exclusivity clauses in contracts with RBI-regulated agents/sub-agents in India, effective December 31, 2010, to boost competition and pricing efficiency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5998&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/205",
   "title": "NBFCs Allowed to Hedge Forex via Currency Options Exchanges",
   "url": "https://bankpulse.ai/c/rbi-2010-11-205/",
   "products": [],
   "summary": "RBI now permits systemically important non-deposit taking NBFCs (asset size ≥ ₹100 crore) to participate in SEBI-recognized currency options exchanges as clients, solely for hedging underlying forex exposures. Disclosures in balance sheets are required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5997&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/204",
   "title": "Repo and Reverse Repo Rates Hiked in Mid-Quarter Policy",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-204/",
   "products": [],
   "summary": "RBI hiked repo rate by 25 bps to 6.00% and reverse repo rate by 50 bps to 5.00%, effective immediately. This tightens liquidity and signals a hawkish stance to control inflation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5995&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/202",
   "title": "Repo Rate Hiked to 6%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-202/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 6.0% effective September 16, 2010. Consequently, standing liquidity facilities for banks (export credit refinance) and primary dealers (collateralised liquidity support) will now be charged at the revised repo rate of 6.0%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5994&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-20T12:46:00+05:30"
  },
  {
   "ref": "RBI/2010-11/230",
   "title": "RBI Mandates Remitter Details in Passbook for NEFT/NECS/ECS Credits",
   "url": "https://bankpulse.ai/c/rbi-2010-11-230/",
   "products": [],
   "summary": "RBI now requires banks to print remitter name (from NEFT field 6091) and ECS user details in passbooks/statements for all inward credits. This replaces generic labels like 'NEFT' with meaningful information, effective January 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6034&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/229",
   "title": "PSBs must remit e-payments to govt in T+1 day from Nov 1, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-229/",
   "products": [],
   "summary": "Public Sector Banks must remit all government e-payments to the government account within T+1 working day (including put through date), effective November 1, 2010, aligning with the norm already applicable to Private Sector Banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6033&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/228",
   "title": "Promoter Sacrifice Norms Eased for Restructured Advances",
   "url": "https://bankpulse.ai/c/rbi-2010-11-228/",
   "products": [],
   "summary": "RBI now allows promoters to bring only 50% of their 15% sacrifice upfront in restructured accounts, with the balance within one year. Failure to do so reverses asset classification benefits. Non-cash contributions are permitted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6032&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/227",
   "title": "UN Terror List Update for UCBs – Sept 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-227/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UN 1267 Committee consolidated list of individuals/entities linked to Al-Qaida and Taliban, and ensure no new or existing accounts are linked to listed entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6027&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/226",
   "title": "FATF-flagged jurisdictions: NBFCs must update KYC/AML checks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-226/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to factor in FATF's June 2010 statement identifying jurisdictions with strategic AML/CFT deficiencies. Firms must review the enclosed FATF list and ensure their KYC/AML processes account for these high-risk geographies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6026&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/225",
   "title": "UNSC 1267/1822 Terror List Update for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-225/",
   "products": [],
   "summary": "RBI has circulated the latest UNSC 1267 Committee updates to the consolidated list of individuals/entities linked to Al-Qaida and Taliban. Banks must update their records, screen new and existing accounts, and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6025&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/224",
   "title": "RBI raises ICD limit for standalone PDs to 75% of NOF",
   "url": "https://bankpulse.ai/c/rbi-2010-11-224/",
   "products": [],
   "summary": "RBI has increased the inter-corporate deposit (ICD) ceiling for standalone primary dealers from 50% to 75% of net owned funds (NOF), effective immediately. PDs can now raise ICDs based on funding needs, removing the earlier restriction on using ICDs only sparingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6024&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/223",
   "title": "RBI Denies Bilateral Netting for Derivative Exposures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-223/",
   "products": [],
   "summary": "RBI has disallowed bilateral netting of mark-to-market values for derivative contracts due to legal ambiguity. Banks must use gross positive MTM for capital adequacy and exposure norms, increasing capital requirements for derivative portfolios.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6023&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/221",
   "title": "RBI Reminds Urban Co-op Banks to Submit ATM Complaint Plan",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-221/",
   "products": [],
   "summary": "RBI has flagged that some urban co-operative banks missed the July 31, 2010 deadline to submit an action plan for placing complaint templates at ATMs and provide contact details of a coordinating senior official. Immediate compliance is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6021&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/220",
   "title": "IPCs for Capital Market: New Risk Norms from Nov 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-220/",
   "products": [],
   "summary": "From 1 Nov 2010, custodian banks issuing IPCs must have a client agreement giving inalienable right over securities. Maximum risk is capped at 50% of settlement amount, assuming 20% price drops on T+1 and T+2 plus 10% extra margin. Early pay-in eliminates exposure; cash or securities margin reduces ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6020&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/219",
   "title": "RBI curbs bank investments in zero coupon bonds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-219/",
   "products": [],
   "summary": "RBI has barred banks from investing in zero coupon bonds unless issuers create a sinking fund for accrued interest, invested in liquid securities like government bonds. Banks must also set conservative limits on such investments to mitigate unrecognized credit risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6019&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/218",
   "title": "RBI Directive on Settlement & Default Handling for Net Systems",
   "url": "https://bankpulse.ai/c/rbi-2010-11-218/",
   "products": [],
   "summary": "RBI issued a directive under PSS Act 2007 mandating legal certainty for netting and settlement finality in multilateral/deferred net systems like Cheques, ECS, NEFT. It standardizes default handling procedures across all authorized systems and Bankers' Clearing Houses.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6018&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:37 IST",
   "published_at_iso": "2026-06-20T12:37:00+05:30"
  },
  {
   "ref": "RBI/2010-11/244",
   "title": "UCBs Must Show Remitter Details on Passbooks for NEFT/NECS/ECS Credits",
   "url": "https://bankpulse.ai/c/rbi-2010-11-244/",
   "products": [],
   "summary": "RBI mandates urban co-operative banks to include remitter name and credit source in passbooks/statements for NEFT, NECS, and ECS transactions by January 1, 2011, to help customers identify credit sources.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6056&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/243",
   "title": "RBI Clarifies 2FA Mandate for Card-Not-Present Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-243/",
   "products": [],
   "summary": "RBI clarifies that the additional authentication mandate for card-not-present transactions applies to all Indian-issued cards used on domestic merchant sites, regardless of overseas payment gateway links. Foreign-issued cards on Indian sites are exempt for now.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6055&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/242",
   "title": "IFC Infrastructure Bonds Exempted from Public Deposit Rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-242/",
   "products": [],
   "summary": "RBI exempts long-term infrastructure bonds issued by Infrastructure Finance Companies (IFCs) under Section 80CCF of the Income Tax Act from being classified as 'public deposits', easing regulatory compliance for these NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6054&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/239",
   "title": "StCBs/DCCBs: Collecting Account Payee Cheques Up to ₹50,000 for Co-op Credit Society Members",
   "url": "https://bankpulse.ai/c/rbi-2010-11-239/",
   "products": [],
   "summary": "RBI now allows banks to collect account payee cheques up to ₹50,000 for co-operative credit societies, provided the payee is a society member and proceeds go only to that member's account. Banks must obtain a written undertaking from the society and ensure proper KYC due diligence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6052&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/240",
   "title": "RRBs Must Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-240/",
   "products": [],
   "summary": "RBI directs all RRBs to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6051&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/237",
   "title": "UNSC 1267 Terror List Update for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-237/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update the UNSC 1267 consolidated list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6049&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/236",
   "title": "UCBs Allowed to Trade Currency Options on Exchanges as Clients",
   "url": "https://bankpulse.ai/c/rbi-2010-11-236/",
   "products": [],
   "summary": "RBI now permits AD Category-I Primary (Urban) Cooperative Banks to participate in exchange-traded currency option markets solely as clients, for hedging underlying forex exposure from customer transactions, subject to specific approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6044&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/235",
   "title": "RBI mandates account-number-only credit for electronic payments",
   "url": "https://bankpulse.ai/c/rbi-2010-11-235/",
   "products": [],
   "summary": "RBI now allows banks to credit RTGS/NEFT/NECS/ECS inward transactions based solely on beneficiary account number, without matching name. This removes manual name-matching delays, enabling straight-through processing. Banks must ensure remitter inputs correct account numbers and can use name field on",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6043&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/234",
   "title": "RBI Extends Restructuring Norms to AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-234/",
   "products": [],
   "summary": "RBI has extended its prudential guidelines on restructuring of advances to select AIFIs (Exim Bank, NABARD, NHB, SIDBI), effective October 14, 2010, with exceptions for activities not undertaken by them like working capital and personal loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6042&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/233",
   "title": "Exim Bank's USD 21.80 mn Line of Credit to Mauritania",
   "url": "https://bankpulse.ai/c/rbi-2010-11-233/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 21.80 million Line of Credit to Mauritania for drinking water and agriculture projects. At least 85% of contract value must be sourced from India. Banks must advise exporters and handle GR/SDF declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6041&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/232",
   "title": "RRBs Must Open No-Frills Accounts for Minority Students",
   "url": "https://bankpulse.ai/c/rbi-2010-11-232/",
   "products": [],
   "summary": "RBI directs Regional Rural Banks to open no-frills accounts for minority community students to access government scholarships, following complaints of denial. KYC norms must be followed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6040&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-20T12:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/259",
   "title": "RTGS threshold raised to Rs 2 lakh; NEFT gets cheaper band",
   "url": "https://bankpulse.ai/c/rbi-2010-11-259/",
   "products": [],
   "summary": "RBI raised RTGS customer transaction threshold from Rs 1 lakh to Rs 2 lakh effective Nov 15, 2010, and introduced a lower NEFT charge of Rs 15 for the Rs 1-2 lakh band to encourage migration of retail payments to NEFT.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6075&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/257",
   "title": "Repo Rate Hiked to 6.25%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-257/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 6.25% effective November 2, 2010. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be priced at the new repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6074&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/256",
   "title": "Repo and Reverse Repo Rates Hiked by 25 bps",
   "url": "https://bankpulse.ai/c/rbi-2010-11-256/",
   "products": [],
   "summary": "RBI raised repo rate to 6.25% and reverse repo rate to 5.25%, effective immediately, as part of the Second Quarter Review of Monetary Policy 2010-11. This 25 bps hike tightens liquidity and signals a hawkish stance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6073&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/254",
   "title": "RBI Announces Special LAF for Nov 1-4, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-254/",
   "products": [],
   "summary": "RBI will conduct a special second LAF (SLAF) at 4:15 PM daily from November 1 to 4, 2010, to ease liquidity. All other LAF terms remain unchanged. Banks and primary dealers must acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6072&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/253",
   "title": "RBI directs banks to open IGNOAPS beneficiary accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-253/",
   "products": [],
   "summary": "RBI has instructed all scheduled commercial banks to facilitate account opening for Indira Gandhi National Old Age Pension Scheme beneficiaries, enabling direct government fund transfers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6069&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/252",
   "title": "SLR Shortfall: Additional LAF Support Extended to Nov 4",
   "url": "https://bankpulse.ai/c/rbi-2010-11-252/",
   "products": [],
   "summary": "RBI extends additional LAF support up to 1% of NDTL (as on Oct 8, 2010) from Nov 1-4, 2010, with waiver of penal interest for SLR shortfalls arising from this facility until Nov 7, 2010, as a temporary measure to ease frictional liquidity pressures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6064&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/251",
   "title": "SLR Shortfall Waiver for LAF Support (Oct 2010)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-251/",
   "products": [],
   "summary": "RBI allowed banks to borrow up to 1% of NDTL via a special 2-day repo on Oct 30, 2010, and waived penal interest for any SLR shortfall on Oct 30-31 as a temporary measure to ease frictional liquidity pressure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6063&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/250",
   "title": "LAF Liquidity Easing: Special Repo Auctions in Oct-Nov 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-250/",
   "products": [],
   "summary": "RBI announced temporary liquidity easing via special second LAF auctions on Oct 29 and Nov 1, 2010, plus a special 2-day repo auction on Oct 30, 2010. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6062&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/249",
   "title": "IPC Clause Deadline Extended for Custodian Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-249/",
   "products": [],
   "summary": "RBI extends deadline for custodian banks to include inalienable right clause in client agreements for IPCs to December 31, 2010. Pre-funded transactions are exempt from this clause requirement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6061&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/248",
   "title": "Banks Allowed in Exchange Traded Currency Options",
   "url": "https://bankpulse.ai/c/rbi-2010-11-248/",
   "products": [],
   "summary": "RBI permits AD Category-I banks meeting prudential norms to trade currency options on recognized exchanges for themselves and clients. Other scheduled commercial banks can only participate as clients.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6060&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/247",
   "title": "Zero Coupon Bond Norms Extended to AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-247/",
   "products": [],
   "summary": "RBI extends prudential norms on zero coupon bond investments to select AIFIs (Exim Bank, NABARD, NHB, SIDBI), aligning them with bank guidelines from September 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6059&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/246",
   "title": "FATF-identified jurisdictions: UCBs must update AML/CFT checks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-246/",
   "products": [],
   "summary": "RBI directs all AD I category Urban Co-operative Banks to consider FATF’s June 2010 statement listing jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their KYC/AML processes and acknowledge receipt to their Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6058&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-20T12:23:00+05:30"
  },
  {
   "ref": "RBI/2010-11/270",
   "title": "RBI Eases Exposure Norms for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-270/",
   "products": [],
   "summary": "RBI has raised exposure limits for standalone Primary Dealers from 15% to 25% of NOF for single borrowers and from 25% to 40% for group borrowers, effective immediately, to support corporate bond market-making.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6091&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/269",
   "title": "RBI Consolidates Audit Committee Review Calendar",
   "url": "https://bankpulse.ai/c/rbi-2010-11-269/",
   "products": [],
   "summary": "RBI has consolidated all ACB review requirements into a single calendar, covering quarterly, half-yearly, and annual reviews. Banks must now follow this minimum checklist, with flexibility to add more reviews as needed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6090&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/268",
   "title": "Repo in Corporate Debt: New Settlement & Haircut Norms",
   "url": "https://bankpulse.ai/c/rbi-2010-11-268/",
   "products": [],
   "summary": "RBI now allows T+0 settlement for repo in corporate debt securities, alongside existing T+1/T+2. Minimum haircuts are reduced to 10% for AAA, 12% for AA+, and 15% for AA, effective December 1, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6089&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/267",
   "title": "SLR Shortfall Waiver: Additional LAF Support Up to 1% NDTL",
   "url": "https://bankpulse.ai/c/rbi-2010-11-267/",
   "products": [],
   "summary": "RBI allows banks to avail additional LAF support up to 1% of NDTL from Nov 9 to Dec 16, 2010, with waiver of penal interest for any SLR shortfall arising from this facility, as a temporary measure to ease frictional liquidity pressure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6088&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/266",
   "title": "RBI Introduces Daily Special LAF to Ease Liquidity Pressure",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-266/",
   "products": [],
   "summary": "RBI launched a daily Special LAF (SLAF) at 4:15 PM from Nov 9 to Dec 16, 2010, to ease frictional liquidity pressure. All other LAF terms remain unchanged. Banks and primary dealers can access this extra window for daily liquidity comfort.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6087&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/265",
   "title": "RTGS Customer Charges Clarified for ₹2 Lakh and Above",
   "url": "https://bankpulse.ai/c/rbi-2010-11-265/",
   "products": [],
   "summary": "RBI clarifies that revised RTGS customer charges apply to transactions of ₹2 lakh and above. For amounts between ₹2 lakh and ₹5 lakh, banks can charge a maximum of ₹25 per transaction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6086&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/263",
   "title": "RBI Mandates Duration Gap Analysis for Interest Rate Risk",
   "url": "https://bankpulse.ai/c/rbi-2010-11-263/",
   "products": [],
   "summary": "RBI now requires all scheduled commercial banks (excluding RRBs and LABs) to adopt Duration Gap Analysis alongside Traditional Gap Analysis for interest rate risk management, effective April 1, 2011, with test runs from January 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6081&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/264",
   "title": "Settlement Date Accounting for Government Securities",
   "url": "https://bankpulse.ai/c/rbi-2010-11-264/",
   "products": [],
   "summary": "RBI mandates all commercial banks (excluding RRBs) to use Settlement Date accounting for Government securities transactions from January 1, 2011, replacing the earlier mixed practice of Trade Date and Settlement Date methods.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6080&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/262",
   "title": "RTGS Migration to Windows 2008: Schedule Released",
   "url": "https://bankpulse.ai/c/rbi-2010-11-262/",
   "products": [],
   "summary": "RBI has released the migration schedule for RTGS members to move to Windows 2008 environment. Members must complete migration as per the enclosed schedule, expected to be completed by December 31, 2010, and confirm readiness via email.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6079&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/261",
   "title": "RBI eases prepaid payment instrument rules: Nov 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-261/",
   "products": [],
   "summary": "RBI expanded prepaid payment instrument (PPI) rules: semi-closed PPIs can now pay for travel tickets; banks can issue semi-closed PPIs through agents (not just BCs); co-branded PPIs allowed. New guidelines for gift PPIs, government/institutional PPIs, and MTSS-linked PPIs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6078&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/260",
   "title": "State Bank of Indore Removed from RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2010-11-260/",
   "products": [],
   "summary": "RBI has excluded State Bank of Indore from the Second Schedule of the RBI Act, 1934, effective August 26, 2010, as it ceased banking operations. This removes its scheduled bank status.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6077&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/258",
   "title": "Off-Balance Sheet Netting Norms Extended to AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-258/",
   "products": [],
   "summary": "RBI extends bilateral netting guidelines for counterparty credit exposures to select All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI), effective immediately, aligning them with bank norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6076&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:12 IST",
   "published_at_iso": "2026-06-20T12:12:00+05:30"
  },
  {
   "ref": "RBI/2010-11/283",
   "title": "RRB Branch Licensing Relaxed for Tier 3-6 Centres",
   "url": "https://bankpulse.ai/c/rbi-2010-11-283/",
   "products": [],
   "summary": "RBI now allows Regional Rural Banks to open branches in Tier 3 to Tier 6 centres (population up to 49,999) without prior approval, provided they meet conditions: CRAR ≥9%, net NPA <5%, no CRR/SLR default in last year, and net profit in last financial year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6109&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/282",
   "title": "PDO-NDS Upgrade to Windows 2008: Reminder and Deadline",
   "url": "https://bankpulse.ai/c/rbi-2010-11-282/",
   "products": [],
   "summary": "RBI reminds all NDS members to upgrade their PDO-NDS system to Windows 2008 by December 31, 2010. Setup documents are on the secured website. Submit status report via email.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6108&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/281",
   "title": "RBI Guidelines for OPGSP Export Receipts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-281/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to repatriate export proceeds via Online Payment Gateway Service Providers (OPGSPs) for exports up to USD 500, subject to due diligence, NOSTRO account setup, and strict repatriation timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6107&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/280",
   "title": "UCB Branch Expansion Norms Liberalised",
   "url": "https://bankpulse.ai/c/rbi-2010-11-280/",
   "products": [],
   "summary": "RBI has liberalised branch/extension counter opening norms for well-managed, financially sound Urban Cooperative Banks (UCBs), removing the 10% annual ceiling if they meet capital adequacy, asset quality, and governance criteria.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6106&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/279",
   "title": "UCBs: Area of Operation Liberalised for Strong Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-279/",
   "products": [],
   "summary": "RBI has withdrawn restrictions on Multi-State status and cross-state area expansion for well-managed UCBs with minimum net worth of Rs 50 crore, subject to CRAR, NPA, profitability, and governance norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6105&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/278",
   "title": "RBI Updates Reporting Path for AD Category-I Branches",
   "url": "https://bankpulse.ai/c/rbi-2010-11-278/",
   "products": [],
   "summary": "RBI has revised the web path for accessing the Directory of AD Category-I branches and the RBIMOF software. Banks must use the new URLs and continue submitting branch category changes via Proforma I/II with soft copies emailed to DSIM.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6104&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/277",
   "title": "UCBs Get INFINET, RTGS Access and RBI Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-277/",
   "products": [],
   "summary": "RBI now allows all licensed UCBs (except those under all-inclusive directions) to open current/SGL accounts with RBI and join INFINET. RTGS membership is restricted to well-managed UCBs with minimum net worth of Rs. 25 crore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6103&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/275",
   "title": "UCBs with 12%+ CRAR Exempted from Share-Linking Norm",
   "url": "https://bankpulse.ai/c/rbi-2010-11-275/",
   "products": [],
   "summary": "RBI exempts well-capitalised Urban Co-operative Banks (CRAR ≥12% on a continuous basis) from the mandatory requirement that borrowers subscribe to shares worth 2.5–5% of their loan amount. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6101&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/274",
   "title": "Bank of Rajasthan Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2010-11-274/",
   "products": [],
   "summary": "RBI has excluded The Bank of Rajasthan Limited from the Second Schedule of the RBI Act, 1934, effective August 18, 2010. This means it is no longer a scheduled commercial bank, impacting its regulatory status and access to central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6100&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/273",
   "title": "CFMS Upgrade to Windows 2008: Deadline Dec 31, 2010",
   "url": "https://bankpulse.ai/c/rbi-2010-11-273/",
   "products": [],
   "summary": "RBI mandates CFMS members to upgrade from Windows 2000 to Windows 2008 Enterprise Edition and IBM MQ 7.0 by December 31, 2010. Hardware specs are minimum; participants can scale based on volume. Application software is provided.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6098&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/271",
   "title": "Processing Inward E-Payments Using Only Account Number",
   "url": "https://bankpulse.ai/c/rbi-2010-11-271/",
   "products": [],
   "summary": "RBI advises Primary Urban Co-operative Banks to process inward electronic payments (RTGS, NEFT, NECS, ECS) using only the beneficiary's account number, leveraging CBS for unique identification across branches, as per the enclosed DPSS circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6092&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 12:07 IST",
   "published_at_iso": "2026-06-20T12:07:00+05:30"
  },
  {
   "ref": "RBI/2010-11/295",
   "title": "NBFCs must finalise balance sheet within 3 months",
   "url": "https://bankpulse.ai/c/rbi-2010-11-295/",
   "products": [],
   "summary": "RBI mandates all NBFCs to finalise their balance sheet within 3 months of the financial year-end (by June 30). Statutory auditor certificates must be submitted within one month of finalisation, but no later than December 30.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6125&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/294",
   "title": "RBI Licenses High Mark as Credit Information Company",
   "url": "https://bankpulse.ai/c/rbi-2010-11-294/",
   "products": [],
   "summary": "RBI granted a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010, allowing it to operate as a credit information company. This adds a new credit bureau for banks to use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6124&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/293",
   "title": "RBI Tightens KYC/AML for Cross-Border Remittances Under MTSS",
   "url": "https://bankpulse.ai/c/rbi-2010-11-293/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to use public info to identify high-risk jurisdictions, monitor transactions from such countries, and ensure sub-agents comply with enhanced KYC/AML norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6123&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/292",
   "title": "RBI Tightens KYC/AML Rules for Money Changers on FATF Non-Applicable Countries",
   "url": "https://bankpulse.ai/c/rbi-2010-11-292/",
   "products": [],
   "summary": "RBI directs Authorised Persons to go beyond FATF statements and use public info to identify high-risk jurisdictions for money changing. Enhanced monitoring and documentation are now mandatory for transactions from countries with weak AML/CFT regimes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6122&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/291",
   "title": "Daily Second LAF Auction Extended Till Jan 28, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-291/",
   "products": [],
   "summary": "RBI extends daily Second Liquidity Adjustment Facility (SLAF) auctions at 4:15 PM through January 28, 2011, to ease liquidity. All other LAF terms remain unchanged. Banks and primary dealers get an extra daily window for repo/reverse repo operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6121&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/290",
   "title": "RBI Doubles SLR Liquidity Support to 2% of NDTL Till Jan 28, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-290/",
   "products": [],
   "summary": "RBI has increased additional LAF liquidity support from 1% to 2% of NDTL for scheduled commercial banks, effective immediately until January 28, 2011. Any SLR shortfall from this facility can get penal interest waiver on a fortnightly basis as a temporary measure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6120&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/289",
   "title": "Escrow Account Protection for Prepaid Payment Instruments",
   "url": "https://bankpulse.ai/c/rbi-2010-11-289/",
   "products": [],
   "summary": "RBI mandates banks to add a clause in escrow agreements for non-bank prepaid payment issuers, ensuring escrow funds are used first to pay merchants and instrument holders in case of issuer liquidation or bankruptcy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6115&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/288",
   "title": "RBI Tightens KYC/AML Rules for MTSS Cross-Border Remittances",
   "url": "https://bankpulse.ai/c/rbi-2010-11-288/",
   "products": [],
   "summary": "RBI mandates full-scale customer due diligence for suspicious MTSS remittances, requires STR filing when identity cannot be verified, and extends enhanced monitoring to PEPs as beneficial owners. Principal Officers must oversee compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6114&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/287",
   "title": "RBI Tightens KYC/AML Rules for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-287/",
   "products": [],
   "summary": "RBI mandates full customer due diligence for suspicious money changing transactions, requires STR filing when identity is uncertain, and extends enhanced CDD to PEPs as beneficial owners. Principal Officer must oversee compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6113&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/286",
   "title": "SC/RCs Must Join Credit Information Companies",
   "url": "https://bankpulse.ai/c/rbi-2010-11-286/",
   "products": [],
   "summary": "RBI mandates all Securitisation Companies/Reconstruction Companies to become members of at least one Credit Information Company and furnish accurate, updated borrower data monthly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6112&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/285",
   "title": "Full Disclosure of Loan Processing Fees for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-285/",
   "products": [],
   "summary": "RBI mandates StCBs and CCBs to transparently disclose all loan processing fees, charges, and the all-in-cost to borrowers, including refund policies, prepayment penalties, and reset clauses, ensuring fairness and comparability.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6111&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/284",
   "title": "UCB Unsecured Loan Limits Enhanced",
   "url": "https://bankpulse.ai/c/rbi-2010-11-284/",
   "products": [],
   "summary": "RBI has raised unsecured loan limits for UCBs complying with 9% CRAR, with individual caps from Rs.1 lakh to Rs.5 lakh based on deposit size, and an aggregate ceiling of 10% of total assets. Non-compliant UCBs face lower limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6110&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:56 IST",
   "published_at_iso": "2026-06-20T11:56:00+05:30"
  },
  {
   "ref": "RBI/2010-11/308",
   "title": "UCBs Allowed to Use Business Correspondents for Financial Inclusion",
   "url": "https://bankpulse.ai/c/rbi-2010-11-308/",
   "products": [],
   "summary": "RBI now permits well-managed, financially sound Urban Co-operative Banks (UCBs) to engage Business Correspondents (BCs) and Business Facilitators (BFs) using ICT solutions, subject to board-approved schemes and RBI approval, to expand outreach and promote financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6141&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/306",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-306/",
   "products": [],
   "summary": "RBI directs banks to update the UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6139&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/305",
   "title": "MSME Clubbing of Investments Rule Rescinded",
   "url": "https://bankpulse.ai/c/rbi-2010-11-305/",
   "products": [],
   "summary": "RBI has withdrawn the requirement to club investments of multiple enterprises under same ownership for MSME classification, as per Government Notification S.O.563(E) dated February 27, 2009, with RBI circular dated December 6, 2010 advising banks to implement immediately. Banks must now treat each u",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6138&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/304",
   "title": "RBI Licenses High Mark as New Credit Information Company for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-304/",
   "products": [],
   "summary": "RBI has issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd., allowing it to commence credit information business. RRBs are advised of this registration; further compliance details may be in separate circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6137&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/303",
   "title": "RBI warns banks on money mule accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-303/",
   "products": [],
   "summary": "RBI cautions banks that fraudsters use 'money mules'—recruited individuals—to launder proceeds of phishing and identity theft via deposit accounts. Banks must strictly follow KYC/AML/CFT guidelines and periodically update customer data to prevent misuse.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6136&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/302",
   "title": "Co-op Banks: CRR/SLR Exemption on IDBI Current Account Balances",
   "url": "https://bankpulse.ai/c/rbi-2010-11-302/",
   "products": [],
   "summary": "State and Central Co-operative Banks are exempted from maintaining CRR and SLR on amounts deposited in current accounts with IDBI Bank Limited, until further order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6135&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/301",
   "title": "RBI licenses High Mark Credit Information Services",
   "url": "https://bankpulse.ai/c/rbi-2010-11-301/",
   "products": [],
   "summary": "RBI has issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd., authorizing it to operate as a credit information company. Co-operative banks must now submit data to this new CIC as per existing guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6134&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/300",
   "title": "RBI cracks down on poor KYC/AML compliance in co-op banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-300/",
   "products": [],
   "summary": "RBI has flagged very poor compliance with KYC/AML norms under PMLA, 2002 among co-operative banks. Banks must appoint a Deputy General Manager or higher as Principal Officer and ensure strict adherence to reporting CTRs, STRs, and CCRs to FIU-IND.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6133&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/299",
   "title": "RBI Eases NCD Rules for FIs, NBFCs, and FIIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-299/",
   "products": [],
   "summary": "RBI amended NCD directions to allow Financial Institutions to invest in NCDs up to one year, permit NBFCs/PDs without working capital limits to issue such NCDs, and enable FII investment subject to FEMA/SEBI rules. Effective December 6, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6132&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/298",
   "title": "RRBs: Tougher KYC Norms for Salaried Employee Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-298/",
   "products": [],
   "summary": "RBI tightens KYC for RRBs opening salaried employee accounts. Employer certificates alone are no longer sufficient; banks must also obtain at least one officially valid document or utility bill to prevent fraud and money laundering.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6128&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/297",
   "title": "Exim Bank's USD 72.55 mn Line of Credit to Lao PDR",
   "url": "https://bankpulse.ai/c/rbi-2010-11-297/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 72.55 million Line of Credit to Lao PDR for two power projects. At least 75% of contract value must be sourced from India. Banks must inform exporters and handle GR/SDF declarations and commission remittances per existing rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6127&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/296",
   "title": "VCF Investment Norms Extended to AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-296/",
   "products": [],
   "summary": "RBI extended prudential guidelines on venture capital fund investments, originally issued for banks in 2006, to select All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI) with immediate effect.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6126&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:49 IST",
   "published_at_iso": "2026-06-20T11:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/321",
   "title": "FATF Jurisdictions Update: KYC/AML for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-321/",
   "products": [],
   "summary": "RBI directs authorized persons to factor in FATF's June 2010 statement on jurisdictions with AML/CFT deficiencies when dealing with individuals or businesses from those regions, updating earlier 2009 guidance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6158&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/320",
   "title": "FATF-flagged jurisdictions: Updated AML/CFT risks for MTSS agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-320/",
   "products": [],
   "summary": "RBI directs MTSS Indian agents to apply enhanced scrutiny on cross-border remittances from Iran, North Korea, and Sao Tome & Principe due to FATF-identified AML/CFT deficiencies. Agents must assess risks from these jurisdictions before onboarding or transacting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6157&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/319",
   "title": "FATF Updates: Enhanced AML/CFT Checks for Iran, DPRK, Sao Tome",
   "url": "https://bankpulse.ai/c/rbi-2010-11-319/",
   "products": [],
   "summary": "RBI mandates enhanced KYC/AML scrutiny for transactions involving Iran, North Korea, and Sao Tome and Principe due to FATF-identified deficiencies. Banks must apply countermeasures for Iran and assess risks for the other two jurisdictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6156&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/318",
   "title": "UNSC 1267 Sanctions List Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-318/",
   "products": [],
   "summary": "RBI mandates banks to update UNSC 1267/1822 sanctions list with new entries from Government of India. Before opening accounts, verify customers aren't on the list; scan existing accounts for matches. Follow UAPA Order 2009 procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6155&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/317",
   "title": "SLR Shortfall: LAF Support Reduced to 1% of NDTL",
   "url": "https://bankpulse.ai/c/rbi-2010-11-317/",
   "products": [],
   "summary": "RBI has reduced additional LAF liquidity support from 2% to 1% of NDTL for SLR shortfalls, effective December 18, 2010 to January 28, 2011. Banks can still seek waiver of penal interest on a fortnightly basis as a temporary measure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6150&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/316",
   "title": "SLR Reduced from 25% to 24% of NDTL",
   "url": "https://bankpulse.ai/c/rbi-2010-11-316/",
   "products": [],
   "summary": "RBI cut the Statutory Liquidity Ratio (SLR) for scheduled commercial banks from 25% to 24% of NDTL, effective December 18, 2010. This frees up funds for lending and investment, easing liquidity conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6149&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/315",
   "title": "FIRC Not Needed for NRE Account Credits via RTGS/NEFT (Clarification)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-315/",
   "products": [],
   "summary": "RBI clarifies that FIRC should not be issued for inward remittances credited to NRE accounts. For remittances received through credit push systems like RTGS, NEFT, NECS, or ECS, no FIRC is required. FIRC is to be issued by the bank that receives the proceeds in foreign exchange and converts foreign ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6148&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/314",
   "title": "SGSY Group Life Insurance: Revised Payouts for Natural & Accidental Death",
   "url": "https://bankpulse.ai/c/rbi-2010-11-314/",
   "products": [],
   "summary": "RBI has revised SGSY Group Life Insurance payouts: LIC now pays ₹6,000 for natural death and ₹12,000 for accidental death to the nominee. Banks must update their branches and controlling offices on these higher benefit amounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6147&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/313",
   "title": "RRBs Must Update UN Terrorist Lists for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-313/",
   "products": [],
   "summary": "RBI directs RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts, check names against this list; also scan existing accounts for matches. Follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6146&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/311",
   "title": "Prevention of Money-laundering Second Amendment Rules, 2010 - Obligation of Authorised Persons",
   "url": "https://bankpulse.ai/c/rbi-2010-11-311/",
   "products": [],
   "summary": "RBI circular directs compliance with the Prevention of Money-laundering Second Amendment Rules, 2010, requiring authorised persons to identify beneficial owners, exercise ongoing due diligence, and treat any failure as non-compliance with FEMA directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6144&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/310",
   "title": "UN Terror List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-310/",
   "products": [],
   "summary": "RBI has forwarded the latest UN 1267 Committee updates to the Al-Qaida/Taliban consolidated list. Urban co-operative banks must screen new and existing accounts against this list, freeze assets of designated entities per UAPA rules, and confirm receipt to their Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6143&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/309",
   "title": "Exim Bank's USD 42 mn Line of Credit to Congo for Hydro Project",
   "url": "https://bankpulse.ai/c/rbi-2010-11-309/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 42 million Line of Credit to the Government of Democratic Republic of Congo for the Kakobola Hydroelectric Power Project. At least 85% of contract value must be sourced from India. Banks must guide exporters on GR/SDF forms and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6142&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:40 IST",
   "published_at_iso": "2026-06-20T11:40:00+05:30"
  },
  {
   "ref": "RBI/2010-11/338",
   "title": "Revised OTC Forex Derivatives & Commodity Hedging Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2010-11-338/",
   "products": [],
   "summary": "RBI revised comprehensive guidelines for OTC foreign exchange derivatives and overseas hedging of commodity price and freight risks, effective February 1, 2011. Banks must ensure compliance with updated rules on product suitability, risk management, and user appropriateness.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6175&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/337",
   "title": "UCBs: Update UN Terrorist Lists & Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-337/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their records with the latest UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against this list, and comply with freezing orders under UAPA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6174&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/335",
   "title": "Indo-Iran Trade: ACU Settlement Suspended",
   "url": "https://bankpulse.ai/c/rbi-2010-11-335/",
   "products": [],
   "summary": "RBI has suspended mandatory ACU settlement for all eligible current account and trade transactions with Iran. Banks must now settle these in any permitted currency outside the ACU mechanism until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6172&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/333",
   "title": "NCD Issuance: Single Bank Certificate & Multi-Tranche Rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-333/",
   "products": [],
   "summary": "RBI clarifies that NCD issuers with multiple banking relationships need only one bank's certificate on asset quality, with an undertaking that other accounts are standard. Multi-tranche issuances based on a single rating don't need separate auditor certification per tranche.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6170&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/331",
   "title": "RRBs: New CICs, DIN in Data, and Updated Address",
   "url": "https://bankpulse.ai/c/rbi-2010-11-331/",
   "products": [],
   "summary": "RBI mandates RRBs to share current and historical data with new credit information companies (Experian, Equifax, High Mark) and include Director Identification Number (DIN) in submissions to avoid wrongful credit denials. Also, update Experian's new Mumbai address.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6168&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/330",
   "title": "RRBs warned on money mule accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-330/",
   "products": [],
   "summary": "RBI directs RRBs to strictly follow KYC/AML/CFT norms to prevent misuse by money mules—individuals recruited to receive and transfer fraud proceeds. Banks must update customer data and monitor transactions to avoid legal and financial risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6167&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/328",
   "title": "RRBs: New Rules for Pension Accounts Under Delhi Government Scheme",
   "url": "https://bankpulse.ai/c/rbi-2010-11-328/",
   "products": [],
   "summary": "RBI directs RRBs to not convert singly-operated pension accounts under government financial assistance schemes into joint accounts, and to not issue ATM cards except for minor or mentally challenged beneficiaries, without prior written approval from the Government of NCT of Delhi.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6165&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/326",
   "title": "Oil & Gas Import Payments Exempted from ACU Route",
   "url": "https://bankpulse.ai/c/rbi-2010-11-326/",
   "products": [],
   "summary": "RBI now allows oil and gas import payments to be settled in any permitted currency outside the ACU mechanism, reversing the earlier mandate to route such transactions through ACU.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6163&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/325",
   "title": "RBI licenses High Mark as new credit information company",
   "url": "https://bankpulse.ai/c/rbi-2010-11-325/",
   "products": [],
   "summary": "RBI granted a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010, allowing it to operate as a credit information company. Urban co-operative banks must note this new CIC for credit data reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6162&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/323",
   "title": "RBI drops annual forex card usage reporting for banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-323/",
   "products": [],
   "summary": "RBI has discontinued the requirement for banks to submit an annual statement on international debit card forex usage exceeding USD 100,000 per cardholder per calendar year, effective from the calendar year 2010 onwards. This reduces reporting burden on AD banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6160&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/322",
   "title": "FATF Jurisdiction Risks for MTSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-322/",
   "products": [],
   "summary": "RBI directs MTSS Indian Agents to factor in FATF-identified AML/CFT deficiencies of certain jurisdictions when handling cross-border inward remittances, referencing FATF's June 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6159&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:35 IST",
   "published_at_iso": "2026-06-20T11:35:00+05:30"
  },
  {
   "ref": "RBI/2010-11/351",
   "title": "UN Terror List Updates for Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-351/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to update UNSCR 1267/1822 terrorist lists using eight new UN notes (Aug-Dec 2010). Banks must screen new and existing accounts against the consolidated list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6193&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/350",
   "title": "UCBs: Curbing Money Mule Accounts via KYC/AML Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-350/",
   "products": [],
   "summary": "RBI warns Primary Urban Co-operative Banks about 'money mules' used to launder fraud proceeds. Banks must strictly follow KYC/AML/CFT norms, update customer data periodically, and monitor transactions to prevent account misuse by criminals recruiting third parties for illegal fund transfers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6188&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/349",
   "title": "RBI Permits Bank Investment in Short-Term NCDs (Up to 1 Year)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-349/",
   "products": [],
   "summary": "RBI now allows banks to invest in Non-Convertible Debentures with original maturity up to one year, issued by corporates including NBFCs. Earlier, such short-term non-SLR securities (except CPs and CDs) were prohibited. Banks must follow prudential norms and ensure the issuer discloses eligible purp",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6187&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/348",
   "title": "Basel II Parallel Run Extended to March 2013 with 80% Floor",
   "url": "https://bankpulse.ai/c/rbi-2010-11-348/",
   "products": [],
   "summary": "RBI extends Basel II parallel run for all scheduled commercial banks (excluding local area and rural banks) until March 31, 2013. Banks must ensure Basel II minimum capital stays above 80% of Basel I requirement for credit and market risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6186&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/347",
   "title": "RBI Extends Parallel Run for IVR Authentication, Seeks Input on MOTO Exemptions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-347/",
   "products": [],
   "summary": "RBI allows a one-month parallel run for additional factor authentication on IVR transactions until Jan 31, 2011, after which non-compliant IVR transactions will be declined. Banks must also submit proposals on MOTO and recurring transactions by Feb 28, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6185&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/345",
   "title": "RRBs Must Update UN Terrorist Lists & Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-345/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN terrorist list (Al-Qaida/Taliban) using eight new annexes, screen all new and existing accounts against it, and follow UAPA freezing procedures from earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6182&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/344",
   "title": "PPF Scheme: HUF Accounts Must Close by March 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-344/",
   "products": [],
   "summary": "HUF PPF accounts opened before May 13, 2005 must be closed after 15 years from the year of initial subscription. Accounts already past 15 years must close by March 31, 2011. Banks must notify branches and display this on notice boards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6181&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/343",
   "title": "SLBC/UTLBC Meetings: New Calendar & Discipline Rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-343/",
   "products": [],
   "summary": "RBI mandates SLBC/UTLBC meetings to follow a yearly calendar from Jan 1, 2011, with strict deadlines for data submission, agenda circulation, and meeting conduct. Convenor banks must enforce compliance and report defaults to RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6180&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/341",
   "title": "Escrow Account Audit Deadline for Prepaid Payment Instruments",
   "url": "https://bankpulse.ai/c/rbi-2010-11-341/",
   "products": [],
   "summary": "RBI mandates that all authorised entities submit a quarterly auditor certificate on escrow account balances within a fortnight of quarter-end, as per circular dated December 27, 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6178&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/340",
   "title": "Annual System Audit by CISA Auditor Mandated",
   "url": "https://bankpulse.ai/c/rbi-2010-11-340/",
   "products": [],
   "summary": "RBI mandates all authorised entities to submit annual system audit reports from a CISA-qualified auditor. For April-March entities, reports due by June 1; for calendar-year entities, by March 1 of the following year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6177&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/339",
   "title": "Intermediary Account Audit Certificates: RBI Clarification",
   "url": "https://bankpulse.ai/c/rbi-2010-11-339/",
   "products": [],
   "summary": "Banks must now include a covering letter with quarterly concurrent auditor certificates, confirming all intermediary accounts are covered. This tightens oversight of electronic payment settlement accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6176&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:25 IST",
   "published_at_iso": "2026-06-20T11:25:00+05:30"
  },
  {
   "ref": "RBI/2010-11/379",
   "title": "RBI tightens housing finance exposure for co-operative banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-379/",
   "products": [],
   "summary": "RBI has reduced the housing finance exposure limit for StCBs and CCBs from 10% of loans to 5% of total assets, effective immediately. Banks exceeding this must comply within six months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6230&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/362",
   "title": "UN Sanctions List Updates for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2010-11-362/",
   "products": [],
   "summary": "RBI mandates all payment system operators to update their records with the latest UN 1267 Committee sanctions list and screen new and existing customers against it, ensuring no accounts are linked to designated terrorist individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6205&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/361",
   "title": "Base Rate Benchmark Change Deadline Extended to June 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-361/",
   "products": [],
   "summary": "RBI extends the deadline for banks to change their Base Rate benchmark and methodology by six months, now up to June 30, 2011, giving lenders more time to adjust their pricing frameworks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6203&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/359",
   "title": "Exim Bank's USD 25 mn Line of Credit to Mozambique",
   "url": "https://bankpulse.ai/c/rbi-2010-11-359/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 25 million Line of Credit to Mozambique for rural electrification projects. At least 85% of contract value must be sourced from India. Banks must facilitate LCs, disbursements, and GR/SDF declarations per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6202&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/358",
   "title": "Exim Bank's USD 5 mn Line of Credit to Senegal",
   "url": "https://bankpulse.ai/c/rbi-2010-11-358/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 5 million Line of Credit to Senegal for hospital equipment. At least 85% of contract value must be sourced from India. Banks must advise exporters and handle LCs/disbursements within stipulated timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6201&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/357",
   "title": "Exim Bank's $30 mn Line of Credit to Cote d'Ivoire for Rice Programme",
   "url": "https://bankpulse.ai/c/rbi-2010-11-357/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 30 million Line of Credit to Cote d'Ivoire for financing Indian exports under a Rice Production Programme. Key terms: 85% Indian content, 48-72 month disbursement window, no agency commission from LOC proceeds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6200&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/356",
   "title": "Exim Bank's USD 15 mn Line of Credit to Cambodia",
   "url": "https://bankpulse.ai/c/rbi-2010-11-356/",
   "products": [],
   "summary": "RBI notified AD Category-I banks about Exim Bank's USD 15 million Line of Credit to Cambodia for the Stung Tassal Water Development project. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow GR/SDF form procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6199&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/355",
   "title": "Exim Bank's $30 mn LOC to Cote d'Ivoire for Power Project",
   "url": "https://bankpulse.ai/c/rbi-2010-11-355/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 30 million line of credit to the Government of Cote d'Ivoire for financing an electricity interconnection project with Mali. At least 85% of contract value must be sourced from India. Banks must guide exporters on procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6198&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/354",
   "title": "Exim Bank's USD 61.60 mn Line of Credit to Kenya for Power Lines",
   "url": "https://bankpulse.ai/c/rbi-2010-11-354/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 61.60 million Line of Credit to Kenya for financing power transmission lines. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6197&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/360",
   "title": "RBI Tightens Core Investment Company Rules: Key Definitions Revised",
   "url": "https://bankpulse.ai/c/rbi-2010-11-360/",
   "products": [],
   "summary": "RBI revised definitions for Core Investment Companies (CICs), including adjusted net worth, CIC eligibility criteria, and market value of quoted investments. Systemically important CICs must register within six months. This impacts how CICs calculate net worth and comply with regulatory thresholds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6196&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/353",
   "title": "Co-op Banks Must Add DIN in Credit Data Submissions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-353/",
   "products": [],
   "summary": "RBI advises State and Central Co-operative Banks to include Director Identification Number (DIN) in data submitted to credit information companies to help avoid wrongful denial of credit due to similar director names.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6195&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:18 IST",
   "published_at_iso": "2026-06-20T11:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/374",
   "title": "FATF AML/CFT Risks: Iran & DPRK – Payment System Alert",
   "url": "https://bankpulse.ai/c/rbi-2010-11-374/",
   "products": [],
   "summary": "RBI directs all payment system entities to factor in AML/CFT risks from Iran (subject to countermeasures) and DPRK (strategic deficiencies) when dealing with persons or institutions from these jurisdictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6225&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/373",
   "title": "UCBs must use settlement date accounting for govt securities",
   "url": "https://bankpulse.ai/c/rbi-2010-11-373/",
   "products": [],
   "summary": "RBI mandates all Primary Urban Co-operative Banks to adopt Settlement Date accounting for outright and ready forward transactions in Government Securities, effective immediately, to ensure uniformity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6224&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/372",
   "title": "CFMS Timings Extended from Jan 24, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-372/",
   "products": [],
   "summary": "RBI extended CFMS funds transfer timings from Jan 24, 2011: weekdays now 10:00-17:00 hours (previously 11:00-16:30) and Saturdays 10:00-15:00 hours (previously 11:00-13:00). This gives members more flexibility for inter-DAD transfers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6223&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/371",
   "title": "RRBs: Updated FATF List on AML/CFT Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-2010-11-371/",
   "products": [],
   "summary": "RBI advises all RRBs to consider the updated FATF statement (Oct 22, 2010) identifying jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their risk assessments and ensure Principal Officers acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6218&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/370",
   "title": "RBI Mandates 0.25% Standard Asset Provision for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-370/",
   "products": [],
   "summary": "RBI now requires all NBFCs to set aside 0.25% of standard assets as a general provision. This buffer aims to counter cyclical risks and must be shown separately as 'Contingent Provisions against Standard Assets' in the balance sheet, not netted from NPAs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6217&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/369",
   "title": "RRBs: Updated FATF AML/CFT Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-369/",
   "products": [],
   "summary": "RBI directs RRBs to account for AML/CFT risks from Iran (countermeasures required) and DPRK (risk consideration needed) per FATF's October 2010 statement, updating earlier August 2010 guidance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6216&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/368",
   "title": "RBI Tightens End-Use Monitoring of Loan Funds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-368/",
   "products": [],
   "summary": "RBI found banks lax in tracking loan usage, enabling fund diversion. Banks must now strengthen post-sanction supervision, including scrutiny of progress reports, site visits, stock audits, and borrower certifications, to ensure funds are used as approved.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6215&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/367",
   "title": "Interest Subvention on Rupee Export Credit for UCBs Extended",
   "url": "https://bankpulse.ai/c/rbi-2010-11-367/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on pre-shipment (up to 270 days) and post-shipment (up to 180 days) rupee export credit for specified sectors from April 1, 2010 to March 31, 2011. UCBs must claim reimbursement quarterly with auditor certificate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6214&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/366",
   "title": "RRBs Must Treat Bullion Dealers as High Risk for KYC/AML",
   "url": "https://bankpulse.ai/c/rbi-2010-11-366/",
   "products": [],
   "summary": "RBI directs RRBs to classify bullion dealers and jewellers as high-risk accounts, requiring enhanced due diligence and intensified transaction monitoring under PMLA 2002.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6213&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/365",
   "title": "FATF Statement on AML/CFT Deficient Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-365/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's October 2010 statement on jurisdictions with strategic AML/CFT deficiencies and complete action plans within set timeframes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6212&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/364",
   "title": "RBI warns banks on AML/CFT risks from Iran, DPRK",
   "url": "https://bankpulse.ai/c/rbi-2010-11-364/",
   "products": [],
   "summary": "RBI directs banks to factor in AML/CFT deficiencies of Iran and DPRK when dealing with entities from these jurisdictions, following FATF's October 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6211&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/363",
   "title": "UCBs: Tougher KYC norms for salaried employee accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-363/",
   "products": [],
   "summary": "RBI has tightened KYC rules for opening salary accounts at Urban Co-operative Banks. Banks can no longer rely solely on employer certificates; they must now obtain at least one officially valid document (e.g., passport, PAN card) or a utility bill in addition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6206&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:09 IST",
   "published_at_iso": "2026-06-20T11:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/389",
   "title": "Small Account KYC Rules: NREGA & Aadhaar Limits",
   "url": "https://bankpulse.ai/c/rbi-2010-11-389/",
   "products": [],
   "summary": "RBI mandates that savings accounts opened solely with NREGA job cards or Aadhaar letters must be treated as 'small accounts' with strict transaction limits: annual credits up to ₹1 lakh, monthly withdrawals/transfers up to ₹10,000, and maximum balance of ₹50,000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6240&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/388",
   "title": "Repo and Reverse Repo Hiked by 25 bps in Jan 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-388/",
   "products": [],
   "summary": "RBI raised repo rate to 6.50% and reverse repo rate to 5.50%, effective January 25, 2011, as part of the Third Quarter Review of Monetary Policy 2010-11. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6239&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/386",
   "title": "Repo Rate Hiked 25 bps to 6.50%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-386/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 6.50% effective January 25, 2011. Consequently, standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be priced at the new repo rate, increasing their cost.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6238&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/387",
   "title": "SLR Shortfall Waiver Extended to April 8, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-387/",
   "products": [],
   "summary": "RBI extends additional LAF liquidity support of 1% of NDTL from January 28 to April 8, 2011. Banks can seek waiver of penal interest for SLR shortfalls arising from this facility, on a fortnightly basis, as an ad hoc measure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6237&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/384",
   "title": "FFMCs and ADs Category-II in Currency Futures and Options",
   "url": "https://bankpulse.ai/c/rbi-2010-11-384/",
   "products": [],
   "summary": "RBI now allows FFMCs and ADs Category-II (excluding RRBs, LABs, UCBs, NBFCs) with minimum net worth of Rs. 5 crore to participate in SEBI-recognised currency futures and options exchanges as clients for hedging forex exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6236&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/385",
   "title": "RBI extends MFI credit support norms to AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-385/",
   "products": [],
   "summary": "RBI has extended its prudential guidelines on restructuring advances to cover select AIFIs, applying the same credit support framework for MFIs that was issued to scheduled commercial banks in January 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6235&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/382",
   "title": "Exim Bank's USD 213.31 mn Line of Credit to Ethiopia for Sugar Industry",
   "url": "https://bankpulse.ai/c/rbi-2010-11-382/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 213.31 million Line of Credit to Ethiopia's government for sugar industry development. At least 75% of contract value must be sourced from India. Last date for LC opening/disbursement is 48 months for project exports, 72 months for supply contra",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6233&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/381",
   "title": "RBI Bans Step-Up Options on Bank Capital Instruments",
   "url": "https://bankpulse.ai/c/rbi-2010-11-381/",
   "products": [],
   "summary": "RBI has prohibited banks from issuing Tier 1 or Tier 2 capital instruments with step-up options, effective from January 20, 2011. Only call options are allowed. This aligns with Basel III criteria to ensure instruments remain eligible as regulatory capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6232&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/380",
   "title": "Update on UN Terrorist List for Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2010-11-380/",
   "products": [],
   "summary": "RBI directs banks to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban per UNSCR 1267/1822. Scan existing accounts and screen new customers against this list. Follow UAPA Order procedures for compliance and freezing of assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6231&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/377",
   "title": "RBI Revises Cheque Collection Charges from April 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-377/",
   "products": [],
   "summary": "From April 1, 2011, RBI mandates lower service charges for savings account customers on outstation cheque collection up to ₹1 lakh, while banks get freedom to set charges for higher values. Drawee bank charges for local clearing are revised to ₹1.50 for MICR-CPC and ₹1.00 for cheque truncation. Spee",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6228&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/376",
   "title": "Temporary Restructuring Relief for MFI Loans",
   "url": "https://bankpulse.ai/c/rbi-2010-11-376/",
   "products": [],
   "summary": "RBI allows banks to restructure standard MFI accounts up to March 31, 2011, with special asset classification benefits even if unsecured, as a temporary measure to ease liquidity stress in the sector.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6227&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/375",
   "title": "FATF AML/CFT Standards for Payment System Entities",
   "url": "https://bankpulse.ai/c/rbi-2010-11-375/",
   "products": [],
   "summary": "RBI directs all authorised payment system operators to review and act on FATF's October 2010 statement identifying jurisdictions with strategic AML/CFT deficiencies, reinforcing earlier guidance from August 2010.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6226&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 11:01 IST",
   "published_at_iso": "2026-06-20T11:01:00+05:30"
  },
  {
   "ref": "RBI/2010-11/403",
   "title": "UNSC 1267/1822 Terror List Update for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-403/",
   "products": [],
   "summary": "RBI directs banks to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6262&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/402",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.64.7004",
   "url": "https://bankpulse.ai/c/rbi-2010-11-402/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.64.7004, effective January 31, 2011. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6261&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/401",
   "title": "PDs allowed to invest in short-term NCDs up to one year",
   "url": "https://bankpulse.ai/c/rbi-2010-11-401/",
   "products": [],
   "summary": "RBI now permits standalone Primary Dealers to invest in corporate NCDs (including NBFCs) with original maturity up to one year. However, unlisted NCD investments must stay within 10% of the non-G-Sec portfolio on an ongoing basis.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6260&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/400",
   "title": "Pension Reopening & Gratuity Hike: Prudential Treatment",
   "url": "https://bankpulse.ai/c/rbi-2010-11-400/",
   "products": [],
   "summary": "RBI allows PSBs to amortise additional pension and gratuity costs over five years from FY2011, with full P&L recognition in FY2010-11. Unamortised balance reduces reserves upon IFRS adoption from April 2013, but is not deducted from Tier I capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6259&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/398",
   "title": "Permanent Diminution in Value of Investments in Subsidiaries/JVs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-398/",
   "products": [],
   "summary": "RBI mandates FIs to recognize permanent diminution in strategic equity investments in subsidiaries/JVs under HTM or AFS. Impairment triggers include default, restructuring, rating downgrade, or sustained losses reducing net worth by 25% or more. Valuation by a qualified valuer is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6249&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/397",
   "title": "Gold loan via NBFCs not agriculture priority sector",
   "url": "https://bankpulse.ai/c/rbi-2010-11-397/",
   "products": [],
   "summary": "Loans to NBFCs against gold jewellery, or investments in securitised gold loan portfolios from NBFCs, cannot be classified under the agriculture sector for priority sector lending purposes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6248&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/396",
   "title": "KYC/AML: Bullion Dealers & Jewellers Now High-Risk Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-396/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to categorise accounts of bullion dealers and jewellers as high risk, requiring enhanced due diligence and intensified transaction monitoring under PMLA, 2002.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6247&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/395",
   "title": "Permanent Diminution in Bank Investments in Subsidiaries/JVs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-395/",
   "products": [],
   "summary": "RBI mandates banks to assess and provide for permanent diminution in strategic equity investments in subsidiaries/joint ventures under HTM or AFS categories, using specific trigger events and external valuation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6246&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/394",
   "title": "UNSC 1267/1822 Terror List Update: Action Required",
   "url": "https://bankpulse.ai/c/rbi-2010-11-394/",
   "products": [],
   "summary": "RBI has circulated an updated UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and freeze assets as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6245&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/393",
   "title": "Priority Sector Loan Misclassification: RBI Tightens Rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-393/",
   "products": [],
   "summary": "RBI will now count misclassified priority sector loans identified during annual inspections as shortfall against targets. Banks must report nominal amounts disbursed to end-borrowers, not premium-embedded amounts paid to intermediaries like MFIs/NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6244&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/392",
   "title": "RBI Updates AML/CFT Guidance for NBFCs on Iran and North Korea",
   "url": "https://bankpulse.ai/c/rbi-2010-11-392/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to take into account AML/CFT risks from Iran and North Korea when dealing with entities from these jurisdictions, following FATF's October 22, 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6243&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/391",
   "title": "NBFCs Must Train Staff on Disability Rights",
   "url": "https://bankpulse.ai/c/rbi-2010-11-391/",
   "products": [],
   "summary": "RBI advises NBFCs to include disability rights modules in employee training programs and ensure grievance redressal for persons with disabilities, building on earlier non-discrimination guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6242&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-20T10:54:00+05:30"
  },
  {
   "ref": "RBI/2010-11/416",
   "title": "RRBs: Update UN Terrorist List for New & Existing Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-416/",
   "products": [],
   "summary": "RBI directs RRBs to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al‑Qaida and Taliban. Before opening new accounts, verify names against this list; also scan all existing accounts for matches. Strictly follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6275&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/415",
   "title": "RRBs Must Update UN Terrorist Lists for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-415/",
   "products": [],
   "summary": "RBI directs RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new accounts against it, and scan existing accounts for matches, following UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6274&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/414",
   "title": "March 2011 Govt Account Closure: Special Reporting for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-414/",
   "products": [],
   "summary": "RBI sets April 15, 2011 as the residual transaction closure date for March 2011. Agency banks must use special messenger/courier from mid-March to ensure all government dues collected by March 31 are accounted in FY 2010-11, with separate scrolls for March residual and April transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6273&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/413",
   "title": "RRBs: Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-413/",
   "products": [],
   "summary": "RBI directs RRBs to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities. Before opening new accounts, verify the proposed customer is not on the list. Also, scan all existing accounts to ensure none are linked to listed entities. Follow UAPA Order procedures for freezing as",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6272&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/412",
   "title": "Dhanalakshmi Bank renamed Dhanlaxmi Bank in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2010-11-412/",
   "products": [],
   "summary": "RBI officially changed the bank's name from 'The Dhanalakshmi Bank Limited' to 'Dhanlaxmi Bank Limited' in the Second Schedule of the RBI Act, effective August 10, 2010. This notification formalized the name change for all regulatory purposes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6271&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/411",
   "title": "Base Rate Exemption for Solar Loans Under JNNSM",
   "url": "https://bankpulse.ai/c/rbi-2010-11-411/",
   "products": [],
   "summary": "RBI exempts loans under JNNSM's solar scheme from base rate guidelines if interest is ≤5% and GoI refinance of 2% is available. Banks can offer subsidised loans to entrepreneurs without breaching base rate rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6270&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/410",
   "title": "KYC/AML: Bullion dealers & jewellers now high-risk accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-410/",
   "products": [],
   "summary": "RBI directs urban co-operative banks to categorise bullion dealers and jewellers as high-risk accounts, requiring enhanced due diligence and intensified monitoring for suspicious transactions under PMLA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6269&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/409",
   "title": "RBI curbs UCB investments in Zero Coupon Bonds without sinking fund",
   "url": "https://bankpulse.ai/c/rbi-2010-11-409/",
   "products": [],
   "summary": "RBI has barred Primary Urban Co-operative Banks from investing in Zero Coupon Bonds unless the issuer creates a sinking fund for accrued interest, invested in liquid investments/securities (Government bonds), to mitigate unrecognized credit risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6268&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/408",
   "title": "NBFC CRAR Hiked to 15% for Deposit-Taking Firms by March 2012",
   "url": "https://bankpulse.ai/c/rbi-2010-11-408/",
   "products": [],
   "summary": "RBI raised the minimum Capital to Risk-Weighted Assets Ratio (CRAR) for all deposit-taking NBFCs from 12% to 15%, effective March 31, 2012, aligning them with systemically important non-deposit-taking NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6267&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/406",
   "title": "Exim Bank's USD 416.39 mn Line of Credit to Sri Lanka",
   "url": "https://bankpulse.ai/c/rbi-2010-11-406/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 416.39 million Line of Credit to Sri Lanka for railway track laying. Banks must advise exporters on procedures, including 85% Indian content requirement and no agency commission rule.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6265&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/405",
   "title": "Exim Bank's USD 1 Billion Line of Credit for Bangladesh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-405/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 1 billion Line of Credit to Bangladesh. At least 85% of contract value must be sourced from India. Banks must guide exporters on GR/SDF forms and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6264&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/404",
   "title": "FATF Jurisdictions with AML/CFT Deficiencies: NBFC Advisory",
   "url": "https://bankpulse.ai/c/rbi-2010-11-404/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to consider FATF's October 2010 statement on jurisdictions with strategic AML/CFT deficiencies and submit acknowledgment to the Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6263&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:45 IST",
   "published_at_iso": "2026-06-20T10:45:00+05:30"
  },
  {
   "ref": "RBI/2010-11/429",
   "title": "FIMMDA Accreditation Required for OTC IRD Brokers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-429/",
   "products": [],
   "summary": "Banks and financial institutions must ensure that any broker used for OTC rupee interest rate derivatives is accredited by FIMMDA, as per the 2011 circular superseding the 2007 guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6288&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/428",
   "title": "Withdrawal of 25 Paise and Below Coins from Circulation",
   "url": "https://bankpulse.ai/c/rbi-2010-11-428/",
   "products": [],
   "summary": "Government withdraws 25 paise and lower denomination coins from June 30, 2011. Banks must exchange these coins at face value until June 30, 2011. Post that, no exchange at bank branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6287&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/427",
   "title": "New Annual Return on Foreign Liabilities and Assets Replaces Part B of FC-GPR",
   "url": "https://bankpulse.ai/c/rbi-2010-11-427/",
   "products": [],
   "summary": "RBI replaces Part B of Form FC-GPR with a new Annual Return on Foreign Liabilities and Assets, due July 15 each year. All Indian companies with FDI inflows or outflows in prior or current years must file. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6286&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/426",
   "title": "Exim Bank's USD 50 mn Line of Credit to Malawi",
   "url": "https://bankpulse.ai/c/rbi-2010-11-426/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 50 million Line of Credit to Malawi for three projects. Banks must advise exporters on LOC terms, including 75% Indian content requirement and no agency commission, with disbursement timelines up to 72 months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6285&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/424",
   "title": "Lead Bank for New UP District: Chhatrapati Shahuji Maharaj Nagar",
   "url": "https://bankpulse.ai/c/rbi-2010-11-424/",
   "products": [],
   "summary": "RBI assigns Bank of Baroda as lead bank for the newly formed Chhatrapati Shahuji Maharaj Nagar district in Uttar Pradesh, effective July 1, 2010. The district was carved from Raebareli and Sultanpur; Bank of Baroda retains lead bank duties for those districts too.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6283&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/423",
   "title": "Express Cheque Clearing System for Non-MICR Centres",
   "url": "https://bankpulse.ai/c/rbi-2010-11-423/",
   "products": [],
   "summary": "RBI mandates rollout of Express Cheque Clearing System (ECCS) across all 1,093 non-MICR clearing centres by September 30, 2011, replacing the older MMBCS software. NPCI leads implementation with SBI support.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6282&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/422",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-422/",
   "products": [],
   "summary": "RBI has circulated an updated UN consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6281&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/421",
   "title": "FATF Jurisdictions with AML/CFT Deficiencies: Updated List for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-421/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to consider the updated FATF statement (Oct 22, 2010) listing jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their risk assessments and ensure Principal Officers acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6280&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/419",
   "title": "NBFCs: Bullion Dealers & Jewelers Now High-Risk KYC Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-419/",
   "products": [],
   "summary": "RBI mandates NBFCs to classify bullion dealers and jewelers as high-risk customers, requiring enhanced due diligence and intensified transaction monitoring under PMLA obligations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6278&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/418",
   "title": "AML/CFT Risks: Iran & DPRK – Updated FATF Guidance for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-418/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to factor in AML/CFT deficiencies of Iran and DPRK when dealing with persons or entities from those jurisdictions, following FATF’s October 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6277&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/417",
   "title": "RBI Introduces 91-Day T-Bill Interest Rate Futures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-417/",
   "products": [],
   "summary": "RBI has allowed exchange-traded Interest Rate Futures on 91-Day Treasury Bills, expanding the derivatives market. The contract will be cash-settled based on weekly auction yields. This move aims to deepen the interest rate risk management toolkit for regulated entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6276&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:38 IST",
   "published_at_iso": "2026-06-20T10:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/442",
   "title": "FY11 Year-End: Extended Banking Hours for Govt Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-442/",
   "products": [],
   "summary": "RBI directs all agency banks to extend banking hours on March 30-31, 2011, to handle the year-end rush of government revenue receipts. This ensures all FY 2010-11 government transactions are accounted for by March 31.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6302&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/441",
   "title": "ATM Failure Complaint Resolution: Quarterly Data Submission Mandate",
   "url": "https://bankpulse.ai/c/rbi-2010-11-441/",
   "products": [],
   "summary": "RBI mandates all authorized ATM network operators to submit quarterly data on complaint resolution between operators and banks in a prescribed Excel format within one month of each quarter's end.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6300&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/440",
   "title": "Quarterly ATM Failed Transaction Reporting Mandate",
   "url": "https://bankpulse.ai/c/rbi-2010-11-440/",
   "products": [],
   "summary": "RBI mandates banks to submit quarterly Board-approved reviews of ATM failed transactions in three specific Excel formats within one month of quarter-end via email. Strict adherence to formats and timeline is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6299&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/439",
   "title": "RRBs: Update UN Terrorist List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2010-11-439/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts against it, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6298&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/438",
   "title": "FIMMDA Accreditation Mandatory for PDs' OTC Derivative Brokers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-438/",
   "products": [],
   "summary": "Standalone Primary Dealers undertaking OTC interest rate derivative transactions through brokers must ensure those brokers are FIMMDA-accredited, partially modifying earlier guidelines that allowed transactions through members of BSE, NSE, or OTCEI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6297&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/436",
   "title": "Repo Rate Hiked to 6.75%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-436/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 6.75% effective March 17, 2011. Consequently, standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be available at the revised repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6295&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/435",
   "title": "FATF Statement on AML/CFT Deficiencies: UCBs Must Act",
   "url": "https://bankpulse.ai/c/rbi-2010-11-435/",
   "products": [],
   "summary": "RBI advises all AD Category I Primary Urban Co-operative Banks to consider the enclosed FATF statement on jurisdictions with strategic AML/CFT deficiencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6294&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/434",
   "title": "RBI Updates AML/CFT Risks for Iran and DPRK",
   "url": "https://bankpulse.ai/c/rbi-2010-11-434/",
   "products": [],
   "summary": "RBI has directed urban co-operative banks to account for AML/CFT deficiencies in Iran and DPRK when dealing with entities from these jurisdictions, following FATF's October 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6293&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/433",
   "title": "RBI Allows UCBs to Trade 91-Day T-Bill Futures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-433/",
   "products": [],
   "summary": "RBI has permitted Primary (Urban) Cooperative Banks to trade Interest Rate Futures on 91-day Treasury Bills, expanding their hedging toolkit beyond the existing 10-year government security futures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6292&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/432",
   "title": "RBI adds telecom towers to infrastructure loan definition",
   "url": "https://bankpulse.ai/c/rbi-2010-11-432/",
   "products": [],
   "summary": "RBI now classifies telecom towers as an infrastructure facility for availing credit facility under NBFC prudential norms. This expands the eligible asset base for infrastructure loans and aligns NBFC prudential norms with the updated definition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6291&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/431",
   "title": "Repo and Reverse Repo Hiked 25 bps in Mid-Quarter Review",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-431/",
   "products": [],
   "summary": "RBI raised repo rate to 6.75% and reverse repo to 5.75%, effective immediately. This 25 bps hike tightens liquidity and signals a hawkish stance, impacting your bank's borrowing costs and lending rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6290&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/430",
   "title": "RBI Discontinues Quarterly Priority Sector Agri Lending Data Submission",
   "url": "https://bankpulse.ai/c/rbi-2010-11-430/",
   "products": [],
   "summary": "RBI has discontinued the quarterly statement on priority sector advances for agricultural lending, effective from March 2011. Banks no longer need to submit this specific data format to RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6289&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:30 IST",
   "published_at_iso": "2026-06-20T10:30:00+05:30"
  },
  {
   "ref": "RBI/2010-11/455",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-455/",
   "products": [],
   "summary": "RBI has forwarded updated UN sanctions list (UNSCR 1267/1822) on Al-Qaida/Taliban entities. Banks must screen new and existing accounts against this list, freeze assets as per UAPA Order, and ensure strict compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6315&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/454",
   "title": "Nomination Rules Clarified: No Witness Attestation Needed for Signatures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-454/",
   "products": [],
   "summary": "RBI clarifies that accountholder signatures on nomination forms DA1, DA2, DA3 need not be attested by witnesses. Also, nomination facility is available for joint deposit accounts, including those with 'Either or Survivor' mandate. Banks must ensure compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6314&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/453",
   "title": "RBI Bans NBFCs from Partnership Firm Investments",
   "url": "https://bankpulse.ai/c/rbi-2010-11-453/",
   "products": [],
   "summary": "RBI prohibits all NBFCs from contributing capital to or becoming partners in partnership firms, citing risks. Existing partnerships must be exited early. This applies to both deposit-taking and non-deposit-taking NBFCs, effective March 30, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6313&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/452",
   "title": "UCBs can collect account payee cheques up to ₹50,000 for co-op credit society members (as per 2011 RBI circular)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-452/",
   "products": [],
   "summary": "RBI allows Urban Co-operative Banks to collect account payee cheques up to ₹50,000 for co-operative credit societies, provided the proceeds go only to the payee member. Banks must obtain a written undertaking, follow KYC norms, and sign an agreement with the society.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6312&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/451",
   "title": "RRBs Can Open Tier 3-6 Branches Without Prior RBI Nod",
   "url": "https://bankpulse.ai/c/rbi-2010-11-451/",
   "products": [],
   "summary": "RBI allows eligible RRBs to open branches in Tier 3 to Tier 6 centres without prior approval. They must approach the Regional Office for post-facto automatic licence issuance and display the licence at the branch. Quarterly reporting in the prescribed format is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6311&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/450",
   "title": "RRBs: Enhanced AML/CFT Checks for Iran and North Korea",
   "url": "https://bankpulse.ai/c/rbi-2010-11-450/",
   "products": [],
   "summary": "RBI directs RRBs to apply FATF counter-measures against Iran and DPRK due to ongoing ML/FT risks. Banks must factor these deficiencies into all business relationships and transactions with persons or entities from these jurisdictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6310&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/448",
   "title": "RBI directs co-op banks to add investor awareness in customer meets",
   "url": "https://bankpulse.ai/c/rbi-2010-11-448/",
   "products": [],
   "summary": "RBI has instructed all State and District Central Co-operative Banks to include investor awareness as a regular agenda item in customer meetings at semi-urban and rural branches, following a government committee decision.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6308&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/447",
   "title": "FATF Statement on AML/CFT Deficient Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-447/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's February 2011 statement on jurisdictions with strategic AML/CFT deficiencies, urging action plan implementation within set timeframes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6307&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/446",
   "title": "RBI Tightens AML/CFT Norms for Iran and DPRK Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-446/",
   "products": [],
   "summary": "RBI directs banks to factor in AML/CFT risks from Iran and DPRK when dealing with persons or entities from these jurisdictions, following FATF's February 2011 statement calling for counter-measures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6306&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/445",
   "title": "Special Clearing on March 30-31, 2011 for Govt Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-445/",
   "products": [],
   "summary": "RBI directs banks to conduct special clearings on March 30 and 31, 2011, with same-day return clearing, to ensure government revenue instruments are realized and credited to government accounts by March 31, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6305&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/444",
   "title": "RBI expands valid KYC documents for semi-closed prepaid cards up to ₹5,000",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-444/",
   "products": [],
   "summary": "RBI now allows NREGA job cards and Aadhaar letters as officially valid identity documents for issuing semi-closed prepaid cards up to ₹5,000, aligning with PMLA rules. Full KYC still applies for other cases.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6304&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/443",
   "title": "PSOs must update UN terror list and screen customers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-443/",
   "products": [],
   "summary": "RBI directs all payment system operators to update the consolidated UN terror list and screen new and existing customers against it, ensuring no accounts are linked to listed individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6303&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:20 IST",
   "published_at_iso": "2026-06-20T10:20:00+05:30"
  },
  {
   "ref": "RBI/2010-11/467",
   "title": "SLR Shortfall Waiver Extended Under LAF",
   "url": "https://bankpulse.ai/c/rbi-2010-11-467/",
   "products": [],
   "summary": "RBI extends additional LAF liquidity support up to 1% of NDTL for SCBs until May 6, 2011, with waiver of penal interest for SLR shortfalls as an ad hoc measure. Daily reporting of availed support is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6331&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/466",
   "title": "UN Terror List Updates for RRBs: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2010-11-466/",
   "products": [],
   "summary": "RBI directs RRBs to update their UNSCR 1267/1822 terrorist lists with new changes from the UN 1267 Committee. Banks must screen all new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6330&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/464",
   "title": "RBI Directs Payment Operators on FATF AML/CFT Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-2010-11-464/",
   "products": [],
   "summary": "RBI has directed all authorised payment system operators to consider the FATF statement on jurisdictions with strategic AML/CFT deficiencies. This reinforces compliance obligations under the PSS Act, 2007.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6329&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/465",
   "title": "RBI Tightens AML/CFT Norms for Iran, DPRK Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-465/",
   "products": [],
   "summary": "RBI directs all payment system operators to factor in heightened money laundering and terror financing risks from Iran and DPRK when dealing with entities from those jurisdictions, following FATF's February 2011 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6328&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/463",
   "title": "Update on UN Terrorist List for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-463/",
   "products": [],
   "summary": "RBI directs co-operative banks to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6327&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/462",
   "title": "NBFCs warned on money mule accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-462/",
   "products": [],
   "summary": "RBI warns NBFCs that criminals use 'money mules' to launder fraud proceeds via deposit accounts. NBFCs must strictly follow KYC/AML/CFT norms, periodically update customer data, and monitor transactions to prevent misuse.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6326&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/461",
   "title": "UNSC 1267/1822 Terror List Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-461/",
   "products": [],
   "summary": "RBI has forwarded four UNSC 1267 Committee updates (Jan–Mar 2011) to all Primary Urban Co-operative Banks. Banks must update their consolidated list of terrorist individuals/entities, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6325&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/460",
   "title": "RBI bars foreign airlines from using overseas banks for INR ticket sales",
   "url": "https://bankpulse.ai/c/rbi-2010-11-460/",
   "products": [],
   "summary": "RBI has clarified that foreign airlines cannot use overseas acquiring banks to settle INR credit/debit card transactions for air tickets sold in India. This practice violates FEMA rules. AD Category-I banks must immediately advise foreign airlines to stop this arrangement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6324&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/459",
   "title": "FATF Statement on AML/CFT Deficiencies: RRBs Must Act",
   "url": "https://bankpulse.ai/c/rbi-2010-11-459/",
   "products": [],
   "summary": "RBI directs all Regional Rural Banks to review and act on the latest FATF statement identifying jurisdictions with strategic AML/CFT deficiencies, updating earlier guidance from January 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6319&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/458",
   "title": "25 Paise Coins: Withdrawal Deadline Moved to June 29, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-458/",
   "products": [],
   "summary": "RBI has revised the exchange deadline for 25 paise and lower denomination coins to June 29, 2011. These coins will cease to be legal tender after that date. Urban co-operative banks must ensure exchange facilities are available until the new deadline.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6318&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/457",
   "title": "Export realisation period extended to Sept 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-457/",
   "products": [],
   "summary": "RBI extends the export realisation period from 6 to 12 months for goods/software exports until September 30, 2011. This temporary relaxation, earlier valid till March 31, 2011, is now extended subject to review. SEZ units and warehouse exports remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6317&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/456",
   "title": "RBI (2011) urged banks to speed up Financial Literacy Centres",
   "url": "https://bankpulse.ai/c/rbi-2010-11-456/",
   "products": [],
   "summary": "In a 2011 circular, RBI flagged slow progress in setting up Financial Literacy and Credit Counselling Centres (FLCCs) and directed all scheduled commercial banks, including RRBs, to accelerate their rollout as per the 2009 model scheme to boost financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6316&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:14 IST",
   "published_at_iso": "2026-06-20T10:14:00+05:30"
  },
  {
   "ref": "RBI/2010-11/481",
   "title": "Housing Loan Interest Subvention Scheme Expanded",
   "url": "https://bankpulse.ai/c/rbi-2010-11-481/",
   "products": [],
   "summary": "RBI expands the 1% interest subvention scheme on housing loans to cover loans up to ₹15 lakh for houses costing up to ₹25 lakh, up from earlier limits of ₹10 lakh and ₹20 lakh respectively. Banks must implement immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6353&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/479",
   "title": "25 Paise Coins Withdrawn from Circulation from June 30, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-479/",
   "products": [],
   "summary": "Government withdraws 25 paise and lower denomination coins from circulation effective June 30, 2011. Banks must exchange these coins at face value until June 29, 2011. Post that date, they cease to be legal tender.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6351&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/478",
   "title": "PSOs Must Screen Customers Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-478/",
   "products": [],
   "summary": "RBI mandates all payment system operators to update and screen customers against the UN 1267 Committee's consolidated list of individuals/entities linked to Al-Qaida and Taliban, both for new accounts and existing ones.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6350&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/477",
   "title": "Overdue Export Credit: Repay from Rupee Funds Now Allowed",
   "url": "https://bankpulse.ai/c/rbi-2010-11-477/",
   "products": [],
   "summary": "RBI now allows exporters with overdue post-shipment rupee export credit to repay it using their own rupee resources, not just export proceeds or EEFC balances. This cuts interest cost on overdue bills, but the export obligation remains until the bill is realised.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6349&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/476",
   "title": "System Audit Qualification Mandate for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2010-11-476/",
   "products": [],
   "summary": "RBI now requires system audits for payment operators to be done only by CISA-certified (ISACA) or DISA-qualified (ICAI) auditors, replacing earlier broader criteria.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6344&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/474",
   "title": "RRBs Must Fix Interest Compounding on Farm Loans",
   "url": "https://bankpulse.ai/c/rbi-2010-11-474/",
   "products": [],
   "summary": "RBI found RRBs wrongly compounding interest on agri loans quarterly/half-yearly instead of per crop cycle. Sponsor banks must fix software to align with rules, and RRBs must refund excess interest charged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6338&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/473",
   "title": "RRBs get 3-year MTM relief on SLR securities",
   "url": "https://bankpulse.ai/c/rbi-2010-11-473/",
   "products": [],
   "summary": "RBI extended exemption from mark-to-market norms for RRBs' SLR securities by three years (FY 2010-11 to 2012-13). RRBs can classify entire SLR portfolio under Held to Maturity, valuing at book value with premium amortization.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6337&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/472",
   "title": "RBI warns banks on illegal forex trading via online portals",
   "url": "https://bankpulse.ai/c/rbi-2010-11-472/",
   "products": [],
   "summary": "RBI cautions AD Category-I banks against overseas forex trading through electronic/internet portals. Such trades violate FEMA unless backed by a permissible underlying exposure. Banks must tighten KYC/AML checks and stop remittances for margins or investments in these schemes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6336&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/471",
   "title": "RBI Updates AML/CFT Guidance for MTSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-471/",
   "products": [],
   "summary": "RBI directs all Indian Agents under MTSS to consider FATF's October 2010 statement on AML/CFT. Agents must update compliance procedures for cross-border inward remittances and ensure their constituents are informed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6335&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/470",
   "title": "RBI Updates AML/CFT Standards for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2010-11-470/",
   "products": [],
   "summary": "RBI directs all authorised persons to consider FATF's October 2010 statement on AML/CFT standards for money changing activities, urging timely implementation of action plans. Non-compliance may attract penalties under FEMA and PMLA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6334&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/469",
   "title": "RBI flags AML/CFT risks from Iran and North Korea for MTSS agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-469/",
   "products": [],
   "summary": "RBI has directed all Authorised Persons under MTSS to factor in AML/CFT deficiencies of Iran and North Korea when dealing with entities from these jurisdictions, following FATF's October 2010 statement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6333&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/468",
   "title": "RBI flags AML/CFT risks from Iran and North Korea",
   "url": "https://bankpulse.ai/c/rbi-2010-11-468/",
   "products": [],
   "summary": "RBI has directed all authorised persons to factor in AML/CFT deficiencies when dealing with Iran and North Korea, following FATF's October 2010 statement. Iran faces a call for countermeasures; DPRK is listed for strategic deficiencies without an action plan.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6332&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:04 IST",
   "published_at_iso": "2026-06-20T10:04:00+05:30"
  },
  {
   "ref": "RBI/2010-11/494",
   "title": "RBI Issues Final Guidelines on IT Security and Cyber Fraud for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-494/",
   "products": [],
   "summary": "RBI has issued final guidelines from the Gopalakrishna Working Group on IT security, cyber fraud, and technology risk management. Banks must conduct gap analysis and implement risk-based measures commensurate with their technology use, with a time-bound action plan.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6366&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/493",
   "title": "Advance Remittance for Import of Goods – Liberalisation",
   "url": "https://bankpulse.ai/c/rbi-2010-11-493/",
   "products": [],
   "summary": "RBI has raised the threshold for mandatory bank guarantee on advance import remittances from USD 100,000 to USD 200,000, effective immediately. This eases compliance for importers, except public sector entities, which still need Ministry of Finance waiver for amounts above USD 100,000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6365&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/492",
   "title": "RBI hikes FII limit in infra debt to USD 25 billion",
   "url": "https://bankpulse.ai/c/rbi-2010-11-492/",
   "products": [],
   "summary": "RBI raised FII investment limit in listed infrastructure non-convertible debentures/bonds with residual maturity of 5+ years from USD 5 billion to USD 25 billion, effective from April 29, 2011. Total limit for listed non-convertible debentures/bonds now stands at USD 40 billion. A minimum 3-year loc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6364&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/491",
   "title": "IPCs for FIIs under PIS: Custodian banks allowed",
   "url": "https://bankpulse.ai/c/rbi-2010-11-491/",
   "products": [],
   "summary": "RBI now allows custodian banks to issue Irrevocable Payment Commitments (IPCs) to stock exchanges on behalf of FII clients for share purchases under the Portfolio Investment Scheme, subject to capital market exposure norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6363&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/490",
   "title": "RBI advises co-op banks on Iran, North Korea AML risks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-490/",
   "products": [],
   "summary": "RBI advises all StCBs/DCCBs to factor in AML/CFT deficiencies of Iran and DPRK when dealing with persons or entities from those jurisdictions, following FATF's February 25, 2011 call for counter-measures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6362&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/489",
   "title": "FATF Statement on AML/CFT Deficiencies: Action for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-489/",
   "products": [],
   "summary": "RBI directs all StCBs/DCCBs to consider the FATF's February 25, 2011 Statement listing jurisdictions with strategic AML/CFT deficiencies. Banks must factor this information into their risk assessments and ensure the Principal Officer acknowledges receipt to the Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6361&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/488",
   "title": "RBI Guidelines for Advanced Measurement Approach on Operational Risk Capital",
   "url": "https://bankpulse.ai/c/rbi-2010-11-488/",
   "products": [],
   "summary": "RBI issued detailed guidelines for banks to adopt the Advanced Measurement Approach (AMA) for operational risk capital from April 1, 2012. Banks must first submit a notice of intent, undergo preliminary assessment, and then formal approval before migrating.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6360&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/487",
   "title": "Small Account Rules for Co-operative Banks under PMLA (2011 RBI Circular)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-487/",
   "products": [],
   "summary": "RBI circular (April 26, 2011) directs StCBs/DCCBs to follow PMLA rules for 'small accounts'—savings accounts with annual credits ≤₹1 lakh, monthly withdrawals and transfers ≤₹10,000, and balance ≤₹50,000. NREGA job cards and Aadhaar letters are officially valid KYC documents, but accounts opened sol",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6359&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/486",
   "title": "UNSCR 1267 Terrorist List Update for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-486/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to update the UNSCR 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida/Taliban. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6358&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/485",
   "title": "RBI Revises Provisioning Coverage Ratio Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-485/",
   "products": [],
   "summary": "RBI has relaxed the 70% Provisioning Coverage Ratio (PCR) requirement, making it a one-time target as of September 30, 2010. Surplus provisions must be segregated into a countercyclical provisioning buffer, usable only with RBI approval during downturns.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6357&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/483",
   "title": "UNSC 1267 Terror List Update for StCBs/DCCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-483/",
   "products": [],
   "summary": "RBI directs co-operative banks to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6355&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/482",
   "title": "25 Paise Coins Withdrawn from Circulation from July 1, 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-482/",
   "products": [],
   "summary": "Government of India has withdrawn 25 paise and lower denomination coins from circulation effective June 30, 2011. Banks must exchange these coins at face value until June 29, 2011. Post that date, these coins cease to be legal tender.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6354&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 10:00 IST",
   "published_at_iso": "2026-06-20T10:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/510",
   "title": "RBI Hikes Savings Deposit Rate for Urban Co-op Banks by 50 bps",
   "url": "https://bankpulse.ai/c/rbi-2010-11-510/",
   "products": [],
   "summary": "RBI raised the interest rate on domestic and NRE savings deposits for Primary Urban Co-operative Banks from 3.5% to 4.0% per annum, effective May 3, 2011. This 0.5 percentage point increase applies immediately to all such accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6384&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/507",
   "title": "Savings Deposit Rate Hiked to 4%",
   "url": "https://bankpulse.ai/c/rbi-2010-11-507/",
   "products": [],
   "summary": "RBI raised the interest rate on domestic and NRE savings deposits by 50 bps to 4% per annum, effective May 3, 2011. All other deposit rate instructions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6383&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/506",
   "title": "Repo Rate Hiked 50 bps to 7.25%: Standing Liquidity Facilities Impact",
   "url": "https://bankpulse.ai/c/rbi-2010-11-506/",
   "products": [],
   "summary": "RBI raised the repo rate by 50 bps to 7.25% effective May 3, 2011. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) are now priced at the new repo rate. This tightens liquidity cost for lenders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6382&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/505",
   "title": "RBI Tightens Priority Sector Norms for MFI Loans",
   "url": "https://bankpulse.ai/c/rbi-2010-11-505/",
   "products": [],
   "summary": "From April 1, 2011, bank loans to MFIs qualify as priority sector only if MFI meets 85% qualifying assets, 75% income-generation loans, and pricing caps (12% margin, 26% interest). Non-compliant loans lose priority sector status.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6381&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/504",
   "title": "Updated UN Terror List for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-504/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UN 1267 Committee consolidated list of individuals/entities linked to Al-Qaida and Taliban, and ensure no new or existing accounts are linked to them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6380&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/503",
   "title": "UCBs: Enhanced AML/CFT Checks for Iran and DPRK",
   "url": "https://bankpulse.ai/c/rbi-2010-11-503/",
   "products": [],
   "summary": "RBI directs all AD Category I Primary Urban Co-operative Banks to factor in AML/CFT risks from Iran and DPRK when dealing with persons or entities from those jurisdictions, following FATF's February 2011 call for counter-measures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6379&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/502",
   "title": "FATF AML/CFT Update for Urban Co-op Banks (May 2011)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-502/",
   "products": [],
   "summary": "RBI directs all AD Category I Primary (Urban) Co-operative Banks to consider the FATF Statement of February 25, 2011, listing jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their risk assessments and compliance processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6378&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/501",
   "title": "Repo Rate Hiked 50 bps to 7.25% in May 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-501/",
   "products": [],
   "summary": "RBI raised the repo rate by 50 bps to 7.25% and set the reverse repo rate at 6.25% (100 bps below repo), effective immediately from May 3, 2011, as part of the Annual Monetary Policy 2011-12.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6377&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/499",
   "title": "UNSC 1267/1822 Terrorist List Update for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-499/",
   "products": [],
   "summary": "RBI mandates banks to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida/Taliban, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6371&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/497",
   "title": "RBI Delegates Pledge of Shares Powers to AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-497/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to approve pledge of shares by non-resident investors for business loans, reducing prior approval needs. This covers pledges to Indian banks for resident investee company credit and to overseas banks for non-resident borrower facilities, subject to conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6370&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/496",
   "title": "NBFCs Must Screen Customers Against Updated UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-496/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update their records with the latest UNSCR 1267/1822 consolidated list of terrorist individuals/entities, screen new accounts before opening, and review existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6368&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/495",
   "title": "FATF-flagged jurisdictions: NBFCs must update KYC/AML checks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-495/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to factor in FATF’s February 2011 statement on jurisdictions with strategic AML/CFT deficiencies when conducting customer due diligence and KYC reviews.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6367&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:49 IST",
   "published_at_iso": "2026-06-20T09:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/523",
   "title": "UCBs Must Update UN Terrorist Lists Under UNSCR 1267/1822",
   "url": "https://bankpulse.ai/c/rbi-2010-11-523/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the consolidated UN list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6405&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/521",
   "title": "Priority Sector Housing Loan Limit for UCBs Raised to Rs 25 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-521/",
   "products": [],
   "summary": "RBI has increased the housing loan limit under priority sector for Urban Co-operative Banks from Rs 20 lakh to Rs 25 lakh per family, effective for loans sanctioned on or after April 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6403&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/520",
   "title": "RBI mandates CEO oversight for foreign bank compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-520/",
   "products": [],
   "summary": "RBI now requires the CEO of every foreign bank branch in India to be responsible for effective oversight of regulatory and statutory compliance and the audit process for all India operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6402&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/518",
   "title": "RRBs: Update UN Terrorist List for New & Existing Accounts",
   "url": "https://bankpulse.ai/c/rbi-2010-11-518/",
   "products": [],
   "summary": "RBI directs RRBs to update the UNSC 1267/1822 consolidated list of terrorist individuals/entities. Before opening any new account, verify the proposed customer is not on the list. Also, scan all existing accounts to ensure none are linked to listed entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6400&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/517",
   "title": "Housing loan limit under priority sector raised to Rs 25 lakh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-517/",
   "products": [],
   "summary": "RBI raised the housing loan limit eligible under priority sector from Rs 20 lakh to Rs 25 lakh per family, effective for loans sanctioned on or after April 1, 2011. This follows the Union Budget 2011-12 announcement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6395&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/515",
   "title": "MSF Scheme Launch: New Overnight Window for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-515/",
   "products": [],
   "summary": "RBI introduced the Marginal Standing Facility (MSF) effective May 9, 2011, allowing scheduled commercial banks to borrow overnight up to 1% of NDTL at repo rate plus 100 bps, using SLR securities as collateral.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6394&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/516",
   "title": "RBI Updates SLR Maintenance Rules for Banks (May 2011)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-516/",
   "products": [],
   "summary": "RBI issued a new notification superseding earlier SLR rules, effective May 9, 2011. Scheduled commercial banks must maintain SLR at 24% of NDTL using cash, gold, or specified securities. MSF borrowing up to 1% of NDTL is now allowed from May 7, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6393&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/514",
   "title": "RBI caps diamond import trade credit at 90 days",
   "url": "https://bankpulse.ai/c/rbi-2010-11-514/",
   "products": [],
   "summary": "RBI has restricted Suppliers’ and Buyers’ credit, including LC usance, for rough, cut and polished diamond imports to a maximum of 90 days from shipment date, effective immediately. AD Category-I banks must enforce KYC/AML norms and scrutinise unusual volume spikes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6390&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/513",
   "title": "NBFCs: Enhanced AML/CFT Checks for Iran, DPRK",
   "url": "https://bankpulse.ai/c/rbi-2010-11-513/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to factor in AML/CFT risks from Iran and North Korea when dealing with entities from those jurisdictions, following FATF's February 2011 call for countermeasures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6389&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/512",
   "title": "RBI raises M-wallet limit to ₹50,000, aligns with semi-closed prepaid rules",
   "url": "https://bankpulse.ai/c/rbi-2010-11-512/",
   "products": [],
   "summary": "RBI has increased the maximum value of mobile-based semi-closed prepaid instruments (M-wallets) from ₹5,000 to ₹50,000, bringing them on par with other semi-closed prepaid instruments. The earlier ban on airtime reload and person-to-person transfers remains.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6388&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/508",
   "title": "RBI Hikes Savings Deposit Rate for Co-op Banks by 50 bps",
   "url": "https://bankpulse.ai/c/rbi-2010-11-508/",
   "products": [],
   "summary": "RBI raised savings deposit interest rate for State and Central Co-operative Banks from 3.5% to 4.0% per annum, effective May 3, 2011. This applies to domestic, ordinary NRO, and NRE savings accounts. All other deposit rate instructions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6386&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/509",
   "title": "RRB Savings Deposit Rate Hiked to 4%",
   "url": "https://bankpulse.ai/c/rbi-2010-11-509/",
   "products": [],
   "summary": "RBI raised savings deposit rates for RRBs by 0.5% to 4.0% per annum, effective May 3, 2011. This applies to domestic, ordinary NRO, and NRE savings accounts. All other deposit rate instructions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6385&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:42 IST",
   "published_at_iso": "2026-06-20T09:42:00+05:30"
  },
  {
   "ref": "RBI/2010-11/536",
   "title": "FATF Statement on AML/CFT Deficiencies: Action for Authorised Persons",
   "url": "https://bankpulse.ai/c/rbi-2010-11-536/",
   "products": [],
   "summary": "RBI directs authorised persons to consider FATF's February 2011 statement on jurisdictions with strategic AML/CFT deficiencies and complete action plans within set timeframes. Non-compliance attracts penal provisions under FEMA and PMLA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6423&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/535",
   "title": "RBI Tightens AML/CFT Checks on Iran, North Korea Remittances",
   "url": "https://bankpulse.ai/c/rbi-2010-11-535/",
   "products": [],
   "summary": "RBI directs Indian agents under MTSS to apply FATF counter-measures against Iran and DPRK due to ongoing ML/FT risks. Agents must review the enclosed FATF statement and ensure compliance with PMLA and FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6422&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/534",
   "title": "RBI Tightens AML/CFT Norms for Iran and DPRK Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-534/",
   "products": [],
   "summary": "RBI directs all authorised persons to apply FATF counter-measures against Iran and DPRK due to ongoing ML/FT risks. Banks must update KYC/AML policies, screen transactions, and report suspicious activity involving these jurisdictions immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6421&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/540",
   "title": "NBFCs Must Screen Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-540/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update and screen customers against the UNSC 1267 Committee's consolidated list of Al-Qaida/Taliban-linked individuals and entities, both for new accounts and existing ones.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6420&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/532",
   "title": "RBI Tightens KYC/AML Record-Keeping for MTSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-532/",
   "products": [],
   "summary": "RBI amends MTSS KYC/AML rules: Indian Agents must now record cash transaction series aggregating over ₹10 lakh (within a month), all receipts by non-profits over ₹10 lakh or equivalent in foreign currency, and any cash transactions involving forged currency or documents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6419&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/533",
   "title": "Housing Loan Limit for RRBs Raised to Rs 25 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-533/",
   "products": [],
   "summary": "RBI increased the housing loan limit under priority sector for RRBs from Rs 20 lakh to Rs 25 lakh per family, effective April 1, 2011, following the Union Budget announcement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6417&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/530",
   "title": "RRBs Must Register Security Interests with CERSAI",
   "url": "https://bankpulse.ai/c/rbi-2010-11-530/",
   "products": [],
   "summary": "RBI mandates all RRBs to register mortgage and securitization transactions with the Central Registry (CERSAI) within 30 days to prevent frauds involving multiple lending on the same property.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6416&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/528",
   "title": "NBFCs Must Screen Accounts Against Updated UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-528/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update their records with the latest UN 1267 Committee list of Al-Qaida/Taliban-linked individuals and entities, and screen both new and existing accounts against it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6414&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/527",
   "title": "Gratuity Limit Hike: Amortisation for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-527/",
   "products": [],
   "summary": "RBI allows RRBs to amortise the extra gratuity cost from the Payment of Gratuity Act amendment over five years, starting FY2010-11, with a minimum 1/5th charge each year, easing the one-year P&L hit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6409&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/526",
   "title": "RBI Eases OTC FX Derivative Eligibility for Cost Reduction Structures",
   "url": "https://bankpulse.ai/c/rbi-2010-11-526/",
   "products": [],
   "summary": "RBI has relaxed eligibility for users of cost reduction structures in OTC FX derivatives and commodity hedging. Listed companies and their subsidiaries/joint ventures/associates with common treasury and consolidated balance sheet are now eligible without a minimum net worth requirement. Unlisted com",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6408&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/525",
   "title": "RBI mandates disaster-resilient construction norms for bank loans",
   "url": "https://bankpulse.ai/c/rbi-2010-11-525/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to adopt NDMA guidelines on disaster-resilient construction. Banks must integrate these norms into loan policies, ensuring buildings financed by them incorporate disaster-resistant features at the design stage itself.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6407&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/524",
   "title": "UCBs: Housing Loan Limit Raised to Rs 15 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2010-11-524/",
   "products": [],
   "summary": "RBI now allows Urban Co-operative Banks to use the additional 5% of total assets for housing loans up to Rs 15 lakh, up from Rs 10 lakh. This replaces the earlier November 2010 circular and removes the old exception for funds from higher financing agencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6406&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-20T09:38:00+05:30"
  },
  {
   "ref": "RBI/2010-11/551",
   "title": "Repo Accounting: FIMMDA Agreement Not Mandatory for CCP-Settled G-Secs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-551/",
   "products": [],
   "summary": "RBI clarifies that the FIMMDA Master Repo Agreement is not mandatory for repo transactions in Government Securities settled through a CCP like CCIL, due to existing safeguards. However, it remains mandatory for bilateral repo transactions in Corporate Debt Securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6445&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/550",
   "title": "EBT Village Allocation and FIP Roadmap Resolution",
   "url": "https://bankpulse.ai/c/rbi-2010-11-550/",
   "products": [],
   "summary": "RBI directs SLBCs to resolve conflicts where banks are allocated same villages under EBT and FIP, clarifying that multiple banks can operate in unbanked villages with population over 2000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6440&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/549",
   "title": "NBFC Insurance JV: Group Stake Cap Clarified",
   "url": "https://bankpulse.ai/c/rbi-2010-11-549/",
   "products": [],
   "summary": "RBI clarified that if multiple group companies of an NBFC invest in an insurance JV, their combined stake counts toward the 50% cap. This prevents circumvention of the single-entity limit and tightens group exposure norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6439&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/548",
   "title": "RBI eases ODI norms: performance guarantees & write-offs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-548/",
   "products": [],
   "summary": "RBI has liberalised overseas direct investment rules: only 50% of performance guarantees count toward the 400% net worth ceiling, and Indian promoters can write off up to 25% of equity investment in overseas JV/WOS—listed companies under Automatic Route, unlisted under Approval Route—with conditions",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6438&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/546",
   "title": "CERSAI Registry for Co-operative Banks: SARFAESI Act Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-546/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to register security interests with CERSAI within 30 days of creation, under SARFAESI Act, to prevent frauds involving multiple lending on same property.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6436&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-2011/545",
   "title": "Central Electronic Registry (CERSAI) Setup Under SARFAESI Act",
   "url": "https://bankpulse.ai/c/rbi-2010-2011-545/",
   "products": [],
   "summary": "RBI notified SC/RCs about CERSAI, a central registry to prevent frauds involving multiple loans on same property. Initially, securitization/reconstruction transactions and mortgage by deposit of title deeds must be registered. Lenders can search records to avoid duplicate lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6435&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/544",
   "title": "Gratuity Limit Hike: 5-Year Deferral for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-544/",
   "products": [],
   "summary": "RBI allows Urban Co-operative Banks to spread the extra gratuity cost from the Payment of Gratuity Act amendment over five years, starting FY2010-11, easing the one-year P&L hit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6434&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/542",
   "title": "RBI Finalises CDS Guidelines for Corporate Bonds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-542/",
   "products": [],
   "summary": "RBI issued final guidelines on plain vanilla OTC single-name Credit Default Swaps for corporate bonds, effective October 24, 2011. Banks and market participants must comply with the framework to trade these instruments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6432&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/541",
   "title": "Revised Fit and Proper Declaration for Bank Directors",
   "url": "https://bankpulse.ai/c/rbi-2010-11-541/",
   "products": [],
   "summary": "RBI has partially modified the 'Declaration and Undertaking' format for directors' fit and proper due diligence, adding an explanatory note to Column IV(g). Banks must use the revised format for all existing and incoming directors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6427&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/539",
   "title": "RBI allows FIIs to hedge IPO flows via ASBA with FX swaps",
   "url": "https://bankpulse.ai/c/rbi-2010-11-539/",
   "products": [],
   "summary": "RBI now permits FIIs to use foreign currency-rupee swaps to hedge IPO-related transient capital flows under the ASBA mechanism, subject to a 30-day tenor and no rebooking or rollover.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6426&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/538",
   "title": "FII Forward Cover Rebooking Limit Raised to 10%",
   "url": "https://bankpulse.ai/c/rbi-2010-11-538/",
   "products": [],
   "summary": "RBI has increased the limit for FIIs to cancel and rebook forward contracts from 2% to 10% of the market value of their portfolio as at the beginning of the financial year, effective immediately. Other operational guidelines remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6425&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/537",
   "title": "FATF AML/CFT Deficiencies: Updated Guidance for MTSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2010-11-537/",
   "products": [],
   "summary": "RBI directs all Indian Agents under MTSS to consider the latest FATF statement on jurisdictions with strategic AML/CFT deficiencies, reinforcing compliance with PMLA and FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6424&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-20T09:26:00+05:30"
  },
  {
   "ref": "RBI/2010-11/564",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-564/",
   "products": [],
   "summary": "RBI has circulated an updated UN consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and freeze assets of designated entities as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6458&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/563",
   "title": "System Audit Rules Clarified for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2010-11-563/",
   "products": [],
   "summary": "RBI clarifies that system audit requirements from a CISA-qualified auditor apply only to entities operating a payment system under the Payment and Settlement Systems Act, 2007, not to participants in systems like RTGS, NEFT, or card networks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6457&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/562",
   "title": "SCSS 2004: Banks Must Serve Retired Army Personnel",
   "url": "https://bankpulse.ai/c/rbi-2010-11-562/",
   "products": [],
   "summary": "RBI has directed agency banks to strictly implement the Senior Citizens Savings Scheme 2004 for retired army personnel, following reports of non-compliance. Banks must extend the scheme to eligible retired army personnel and ensure all branches adhere to the instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6456&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/560",
   "title": "NRO Account for Foreign Nationals Leaving India",
   "url": "https://bankpulse.ai/c/rbi-2010-11-560/",
   "products": [],
   "summary": "RBI now allows foreign nationals leaving India after employment to re-designate their resident account as an NRO account to collect pending dues, subject to conditions including a USD 1 million per year repatriation cap.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6454&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/559",
   "title": "RBI allows processing charges on NEFT, NECS, RECS, ECS from July 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-559/",
   "products": [],
   "summary": "RBI has ended the waiver on processing charges for retail electronic payment systems (NEFT, NECS, RECS, ECS) effective July 1, 2011. Clearing houses can now levy 25 paise per outward/return transaction on originating banks, and destination banks will receive compensation from originating banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6453&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/558",
   "title": "Update on UN Terror List for Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-558/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their records with the latest UN 1267 Committee list of terrorist individuals and entities linked to Al-Qaida and Taliban, and screen all new and existing accounts against this list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6452&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/557",
   "title": "Update on UN Terrorist List: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-557/",
   "products": [],
   "summary": "RBI directs banks to update their consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban based on four new UN 1267 Committee notes received from the Government of India. Banks must screen new and existing accounts against this list and follow UAPA Order procedures for fre",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6451&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/556",
   "title": "UCBs Allowed to Lend to SHGs and JLGs",
   "url": "https://bankpulse.ai/c/rbi-2010-11-556/",
   "products": [],
   "summary": "RBI now permits Primary Urban Co-operative Banks to lend directly to Self Help Groups and Joint Liability Groups, expanding financial inclusion. UCBs must frame a Board-approved policy covering loan limits, interest rates, and security norms before starting this activity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6450&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/555",
   "title": "Forensic Scrutiny Findings: Fraud Prevention Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-555/",
   "products": [],
   "summary": "RBI issued guidelines based on forensic scrutiny findings to strengthen fraud prevention frameworks. Banks must revamp policies for detection, reporting, and corrective action, focusing on high-risk areas like loan frauds, forged documents, and housekeeping gaps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6449&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/554",
   "title": "Internal Vigilance Guidelines for Private and Foreign Banks",
   "url": "https://bankpulse.ai/c/rbi-2010-11-554/",
   "products": [],
   "summary": "RBI mandates private and foreign banks to set up a structured internal vigilance machinery within three months, aligning with public sector bank standards, to uniformly address fraud, corruption, and malpractices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6448&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/553",
   "title": "Sberbank added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2010-11-553/",
   "products": [],
   "summary": "RBI has included Sberbank in the Second Schedule of the RBI Act, 1934, effective March 8, 2011. This grants it scheduled bank status, subjecting it to CRR/SLR requirements and RBI oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6447&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/552",
   "title": "Credit Suisse A.G. added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2010-11-552/",
   "products": [],
   "summary": "RBI has included Credit Suisse A.G. in the Second Schedule of the RBI Act, 1934, effective March 8, 2011. This grants it scheduled bank status, subjecting it to CRR/SLR requirements and RBI oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6446&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:18 IST",
   "published_at_iso": "2026-06-20T09:18:00+05:30"
  },
  {
   "ref": "RBI/2010-11/577",
   "title": "UN Sanctions List Update for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2010-11-577/",
   "products": [],
   "summary": "RBI directs all PSOs to update their UN sanctions list with four new annexes from the 1267 Committee, screen new and existing customers against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6475&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/576",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267/1822",
   "url": "https://bankpulse.ai/c/rbi-2010-11-576/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban per UNSCR 1267 and 1822. New accounts must be screened against this list, and existing accounts must be scanned for matches. Freeze assets as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6474&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/575",
   "title": "UN Terror List Update for StCBs/DCCBs: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2010-11-575/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to update their records with the latest UN 1267 Committee list of individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6473&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/574",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-574/",
   "products": [],
   "summary": "RBI has circulated an updated UN consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6468&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/573",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267",
   "url": "https://bankpulse.ai/c/rbi-2010-11-573/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of individuals/entities linked to Al-Qaida and Taliban as per UNSCR 1267/1822. Before opening new accounts, verify names against this list and scan existing accounts for matches. Follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6467&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/572",
   "title": "UN Terror List Update: Al-Qaida/Taliban Sanctions Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-572/",
   "products": [],
   "summary": "RBI has circulated an updated UN consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and freeze assets as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6466&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/570",
   "title": "Repo Rate Hiked to 7.50%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2010-11-570/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 7.50% effective June 16, 2011. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be priced at the new repo rate, increasing borrowing costs for these entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6464&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/569",
   "title": "Repo Rate Hiked 25 bps to 7.50%: MSF & Reverse Repo Adjusted",
   "url": "https://bankpulse.ai/c/rbi-2010-11-569/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 7.50% effective June 16, 2011. Reverse repo automatically moved to 6.50% and MSF to 8.50%. All other LAF and MSF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6463&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/568",
   "title": "Exim Bank's USD 91 mn Line of Credit to Ethiopia for Sugar Industry",
   "url": "https://bankpulse.ai/c/rbi-2010-11-568/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 91 million Line of Credit to Ethiopia for financing Indian exports of goods, services, machinery, and equipment for sugar industry development. At least 75% of contract value must be sourced from India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6462&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/567",
   "title": "RRBs Must Update UN Terrorist Lists – June 2011",
   "url": "https://bankpulse.ai/c/rbi-2010-11-567/",
   "products": [],
   "summary": "RBI directs all RRBs to update their consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban based on four new UN notes from May 2011. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6461&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/566",
   "title": "NBFC Overseas Expansion: New RBI Approval Rules (2011)",
   "url": "https://bankpulse.ai/c/rbi-2010-11-566/",
   "products": [],
   "summary": "RBI mandates all NBFCs to obtain prior written approval before opening branches, subsidiaries, joint ventures, or making investments abroad. The approval is subject to conditions including an aggregate cap of 100% of net owned funds, a single entity cap of 15% of owned funds, restriction to financia",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6460&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2010-11/565",
   "title": "Exim Bank's USD 36.56 mn Line of Credit to Tanzania",
   "url": "https://bankpulse.ai/c/rbi-2010-11-565/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 36.56 million Line of Credit to Tanzania for financing 723 vehicles under the India Africa Fund. At least 75% of contract value must be sourced from India. Last disbursement for supply contracts is March 27, 2017.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6459&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:09 IST",
   "published_at_iso": "2026-06-20T09:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/1",
   "title": "Master Circular on Miscellaneous Remittances from India – Facilities for Residents (Updated as on June 13, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-1/",
   "products": [],
   "summary": "RBI consolidated all instructions on miscellaneous remittances for residents into one master circular, issued July 1, 2011, with a one-year sunset clause. It covers rules for foreign exchange release by authorized dealers, including limits under Schedule III and the Liberalised Remittance Scheme of ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6493&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/589",
   "title": "RBI Tightens Concurrent Audit Rules to Curb Loan Frauds",
   "url": "https://bankpulse.ai/c/rbi-2010-11-589/",
   "products": [],
   "summary": "RBI mandates banks to independently verify third-party certifications (CA, lawyer, valuer) and title deed genuineness for large loans. Concurrent auditors must report on these checks. IBA to issue caution lists for errant certifiers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6492&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/588",
   "title": "PSOs Must Screen Customers Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-588/",
   "products": [],
   "summary": "RBI mandates all payment system operators to screen new and existing customers against the UN 1267 Al-Qaida/Taliban sanctions list, update their records, and comply with UAPA freezing orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6491&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/587",
   "title": "FCCB Buyback Rules Extended and Liberalised",
   "url": "https://bankpulse.ai/c/rbi-2010-11-587/",
   "products": [],
   "summary": "RBI has extended the deadline for premature FCCB buybacks to March 31, 2012, and liberalised the process. Automatic route now requires a minimum 8% discount on book value, while approval route allows up to USD 100 million per company with higher discounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6490&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/586",
   "title": "FDI via Government Route: Equity for Capital Goods & Pre-Op Expenses",
   "url": "https://bankpulse.ai/c/rbi-2010-11-586/",
   "products": [],
   "summary": "RBI now allows Indian companies to issue equity shares under the Government route for import of capital goods and pre-operative expenses, subject to conditions like independent valuation, 180-day conversion timeline, and special resolution.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6489&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/584",
   "title": "Overseas Direct Investment: Liberalisation and Rationalisation",
   "url": "https://bankpulse.ai/c/rbi-2010-11-584/",
   "products": [],
   "summary": "RBI consolidated guidelines for selling shares in overseas JVs/WOSs. Indian parties can now disinvest without prior RBI approval under specific conditions, including write-offs for listed entities or companies meeting net worth/investment thresholds. Reporting to AD banks within 30 days is mandatory",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6487&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/583",
   "title": "RRBs Must Update UN Terrorist Lists for KYC Compliance",
   "url": "https://bankpulse.ai/c/rbi-2010-11-583/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated UN list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and while reviewing existing ones, banks must ensure no customer is on this list, and freeze assets as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6481&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/582",
   "title": "SGSY Credit Targets for 2011-12: Allocation & Monitoring",
   "url": "https://bankpulse.ai/c/rbi-2010-11-582/",
   "products": [],
   "summary": "RBI has set state-wise credit mobilisation targets of ₹6,02,000 lakh under SGSY for 2011-12. Banks must allocate these targets via SLBCs, report progress online via PCRPCD, and submit hardcopy reports until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6480&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/581",
   "title": "PSOs Must Screen Customers Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2010-11-581/",
   "products": [],
   "summary": "RBI directs all payment system operators to update and screen customers against the UN 1267 Committee's consolidated list of individuals/entities linked to Al-Qaida and Taliban, both for new accounts and existing ones.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6479&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/580",
   "title": "UNSC 1267/1822 Terror List Update: Immediate Compliance Required",
   "url": "https://bankpulse.ai/c/rbi-2010-11-580/",
   "products": [],
   "summary": "RBI has circulated an updated UNSC 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen all new and existing accounts against this list and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6478&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/579",
   "title": "RRBs Must Update UN Terrorist Lists: New Al-Qaida/Taliban Entries",
   "url": "https://bankpulse.ai/c/rbi-2010-11-579/",
   "products": [],
   "summary": "RBI directs all RRBs to update their consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban per UNSCR 1267/1822. Before opening new accounts, verify names against this list; also scan existing accounts for matches. Freeze assets as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6477&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2010-11/578",
   "title": "PPF HUF Accounts: Interest on Matured Accounts Clarified",
   "url": "https://bankpulse.ai/c/rbi-2010-11-578/",
   "products": [],
   "summary": "RBI clarifies that PPF HUF accounts closed between May 13, 2005 and Dec 7, 2010 after maturity will receive PPF interest if not extended and deposits retained without further subscriptions. Banks must implement this Government decision.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6476&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 09:00 IST",
   "published_at_iso": "2026-06-20T09:00:00+05:30"
  },
  {
   "ref": "RBI/2011-12/68",
   "title": "RBI Master Circular on Disclosure Norms for FIs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-68/",
   "products": [],
   "summary": "RBI consolidated disclosure norms for all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI) into a single master circular effective July 1, 2011, covering capital, asset quality, liquidity, and risk disclosures in financial statements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6507&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/15",
   "title": "Master Circular on Foreign Investment in India (2011-12)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-15/",
   "products": [],
   "summary": "RBI consolidated all rules on foreign investment into one master circular for AD Category-I banks. It covers FDI, portfolio investments, venture capital, and partnership investments. The circular had a one-year sunset clause, expiring July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6506&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/14",
   "title": "Master Circular on Money Transfer Service Scheme (MTSS)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-14/",
   "products": [],
   "summary": "RBI's Master Circular consolidates MTSS rules for inward personal remittances via Indian Agents. Only family maintenance and tourist remittances are allowed; outward transfers are prohibited. Agents must be AD-I, AD-II, or FFMC. The circular had a one-year sunset clause ending July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6505&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/13",
   "title": "Master Circular on Money Changing Activities (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-13/",
   "products": [],
   "summary": "RBI consolidated all instructions on money changing into a single Master Circular (No.13/2011-12) effective July 1, 2011, with a sunset clause expiring July 1, 2012. It covers licensing, KYC/AML norms, and franchisee rules for Authorised Money Changers, including FFMCs and AD Category-I/II banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6504&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/12",
   "title": "Master Circular on Risk Management & Inter-Bank Dealings (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-12/",
   "products": [],
   "summary": "RBI consolidated rules on forex derivatives, hedging, and inter-bank dealings into one master circular with a one-year sunset clause. Banks must verify underlying exposure documents within 15 days for forward contracts, with penalties for repeated delays.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6503&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/10",
   "title": "Master Circular on Export of Goods and Services (2011-12)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-10/",
   "products": [],
   "summary": "RBI consolidated all export-related FEMA instructions into one Master Circular for Category-I AD banks. It covers declaration exemptions, receipt/payment norms, realisation timelines, and operational procedures. Banks must follow these rules until July 1, 2012, when an updated circular will replace ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6502&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/8",
   "title": "Master Circular on Compounding of FEMA Contraventions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-8/",
   "products": [],
   "summary": "RBI consolidated rules for voluntarily compounding FEMA contraventions. Penalties can be up to thrice the amount involved or ₹2 lakh, plus ₹5,000 per day for continuing violations. Banks must follow this process for admitted contraventions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6500&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/6",
   "title": "Master Circular on NRO Accounts (2011-12)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-6/",
   "products": [],
   "summary": "RBI consolidated all NRO account rules into one Master Circular (No.6/2011-12) effective July 1, 2011, with a one-year sunset clause. It covers eligibility, account types, permissible credits/debits, and operational guidelines for authorised dealers. The circular was withdrawn on July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6498&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/5",
   "title": "Master Circular on Vostro Accounts for Non-Resident Exchange Houses",
   "url": "https://bankpulse.ai/c/rbi-2011-12-5/",
   "products": [],
   "summary": "RBI consolidated instructions for AD Category-I banks on opening and maintaining rupee/foreign currency vostro accounts for non-resident exchange houses, covering operations, permitted transactions, drawing arrangements, and monitoring. This circular was valid until July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6497&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/4",
   "title": "Master Circular on NRI/PIO Property Acquisition",
   "url": "https://bankpulse.ai/c/rbi-2011-12-4/",
   "products": [],
   "summary": "RBI consolidated rules for NRIs/PIOs buying immovable property in India (excluding farm/plantation land). Payments must come via inward remittance or NRE/FCNR(B)/NRO accounts. No reporting needed for residential/commercial purchases. Valid until July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6496&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/3",
   "title": "Master Circular on Foreign Entity Offices in India",
   "url": "https://bankpulse.ai/c/rbi-2011-12-3/",
   "products": [],
   "summary": "RBI consolidated rules for foreign entities setting up Liaison, Branch, or Project Offices in India. Key requirements: profit track record (3 years for LO, 5 for BO), minimum net worth (USD 50,000 for LO, USD 100,000 for BO), and approval via AD Category-I banks under FEMA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6495&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/2",
   "title": "Master Circular on Remittance Facilities for NRIs/PIOs/Foreign Nationals",
   "url": "https://bankpulse.ai/c/rbi-2011-12-2/",
   "products": [],
   "summary": "RBI consolidated all instructions on remittance facilities for NRIs, PIOs, and foreign nationals into one Master Circular, effective July 1, 2011, with a one-year sunset clause. It covers definitions, current income remittance, asset repatriation, and operational guidelines for authorised dealer ban",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6494&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:54 IST",
   "published_at_iso": "2026-06-20T08:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/37",
   "title": "Master Circular: Exposure Norms & Restrictions for UCBs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-37/",
   "products": [],
   "summary": "RBI consolidated exposure norms for Urban Co-operative Banks: individual borrower cap at 15% of capital funds, group cap at 40%. Banks must set board-approved limits, review annually, and comply with statutory restrictions on unsecured advances, director loans, and share-backed lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6521&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/66",
   "title": "RBI Master Circular: Income Recognition & Asset Classification Norms (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-66/",
   "products": [],
   "summary": "RBI updated its Master Circular on prudential norms for income recognition, asset classification, and provisioning for advances, consolidating all instructions issued up to June 30, 2011. This replaces the July 2010 circular and is effective from July 1, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6519&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/65",
   "title": "Master Circular: Investment Portfolio Prudential Norms (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-65/",
   "products": [],
   "summary": "RBI consolidated and updated prudential norms for classification, valuation, and operation of banks' investment portfolios, effective July 1, 2011. This master circular replaces the 2010 version and includes all instructions issued up to June 30, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6518&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/62",
   "title": "Basel I Capital Adequacy Prudential Norms Master Circular 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-62/",
   "products": [],
   "summary": "RBI consolidated Basel I capital adequacy norms for commercial banks (excluding RRBs) as of July 1, 2011. Banks must maintain a prudential floor of 80% of Basel I minimum capital for credit and market risks, with parallel run until March 31, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6517&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/61",
   "title": "Master Circular: Capital Adequacy & Market Discipline (NCAF) 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-61/",
   "products": [],
   "summary": "RBI issued an updated Master Circular on Prudential Guidelines for Capital Adequacy and Market Discipline under the New Capital Adequacy Framework (NCAF), consolidating all instructions issued up to June 30, 2011, for scheduled commercial banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6516&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/60",
   "title": "RBI Master Circular on Export Credit & Customer Service (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-60/",
   "products": [],
   "summary": "RBI consolidated all export credit instructions into a single Master Circular effective July 1, 2011, covering rupee and foreign currency pre/post-shipment credit, interest rates, and customer service norms for scheduled commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6515&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/59",
   "title": "Master Circular: Loans & Advances – Statutory & Other Restrictions (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-59/",
   "products": [],
   "summary": "RBI consolidated all statutory and regulatory restrictions on loans and advances for scheduled commercial banks (excluding RRBs) as of July 1, 2011. This master circular updates previous instructions with new guidelines issued up to June 30, 2011, covering restrictions on director-related advances, ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6514&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/56",
   "title": "Master Circular on Customer Service in Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-56/",
   "products": [],
   "summary": "RBI consolidated all customer service instructions up to June 30, 2011 into a single Master Circular. Banks must ensure copies are available at all branches for customer reference and implement board-approved policies on deposits, cheques, compensation, and grievance redressal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6513&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/54",
   "title": "Master Circular on Interest Rates for Domestic, NRO & NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2011-12-54/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for domestic, NRO, and NRE rupee deposits as of July 1, 2011. This master circular updates previous guidelines and applies to all scheduled commercial banks except RRBs. Key areas include minimum tenor, savings/term deposit rates, premature withdra",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6512&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/53",
   "title": "Master Circular on Interest Rates on Advances (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-53/",
   "products": [],
   "summary": "RBI consolidated all guidelines on interest rates for advances into a single Master Circular as of July 1, 2011, covering base rate, floating rates, penal rates, and more. This replaces the 2010 circular and applies to all scheduled commercial banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6511&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/51",
   "title": "FCNR(B) Deposit Master Circular 2011: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-51/",
   "products": [],
   "summary": "RBI issued the updated Master Circular for FCNR(B) deposits, consolidating all instructions up to June 30, 2011. This replaces the July 2010 circular and covers interest rates, premature withdrawals, advances, and conversion rules for returning NRIs. Banks must align their FCNR(B) operations with th",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6509&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/50",
   "title": "Master Circular on CRR and SLR for SCBs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-50/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR instructions for Scheduled Commercial Banks (excluding RRBs) into a single master circular effective July 1, 2011. CRR remains at 6% of net demand and time liabilities; no incremental CRR is required. Compliance is monitored via Form A (CRR) and Form VIII (SLR).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6508&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-20T08:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/76",
   "title": "Master Circular: Note and Coin Exchange at Bank Branches",
   "url": "https://bankpulse.ai/c/rbi-2011-12-76/",
   "products": [],
   "summary": "RBI mandates all bank branches to actively exchange notes and coins, accept soiled/mutilated notes, and refuse no small denominations. Currency chest branches must handle damaged notes. This circular consolidates prior instructions to ease public access and reduce RBI office visits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6533&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/11",
   "title": "Master Circular on Direct Investment Abroad (JV/WOS)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-11/",
   "products": [],
   "summary": "RBI consolidated rules for residents investing in overseas JVs/WOS under FEMA. Covers automatic route, funding methods, post-investment changes, and AD bank operational instructions. Valid until July 1, 2012, with sunset clause.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6532&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/82",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2011-12-82/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank Linkage guidelines into a single Master Circular as of July 1, 2011, urging banks to treat SHG lending as a business opportunity to improve rural credit access and reduce transaction costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6531&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/69",
   "title": "RBI Master Circular: Investment Portfolio Norms for FIs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-69/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on prudential norms for classification, valuation, and operation of investment portfolios by all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI), effective July 1, 2011, updating all prior instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6530&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/49",
   "title": "Customer Service Master Circular for Urban Co-op Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-49/",
   "products": [],
   "summary": "RBI consolidated all customer service guidelines for Primary Urban Co-operative Banks into a single Master Circular as of July 1, 2011, covering counter service, deposits, lockers, grievance redressal, and more. Banks must ensure high service quality to maintain trust and competitiveness.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6529&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/47",
   "title": "Master Circular on Investments by Urban Co-op Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-47/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary (Urban) Co-operative Banks as of June 30, 2011. Key rules include a 2% of owned funds cap on shares in other co-op societies and a 5% limit per society. This circular updates the 2010 version.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6528&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/45",
   "title": "Master Circular on Board of Directors for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-45/",
   "products": [],
   "summary": "RBI consolidated all guidelines on board constitution, roles, audit committees, and director eligibility for Primary Urban Co-operative Banks as of July 1, 2011. Banks must ensure at least two directors with banking or professional expertise, bar money lenders and convicted persons, and follow Madha",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6527&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/42",
   "title": "Master Circular: Interest Rates on Rupee Deposits for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-42/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for rupee deposits at Primary Urban Co-operative Banks, effective July 1, 2011. Rates must follow Annex 1 & 2. No bank may pay interest except as specified, covering savings, term, and current accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6526&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/41",
   "title": "Master Circular: Prudential Norms on Capital Adequacy for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-41/",
   "products": [],
   "summary": "RBI consolidated all capital adequacy guidelines for Urban Co-operative Banks (UCBs) as of June 30, 2011. Key updates include share-linking norms, CRAR requirements (minimum 9% since 2005), and exemptions for well-capitalized banks from share-linking. Banks must comply with statutory capital minima ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6525&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/40",
   "title": "Master Circular on CRR & SLR for Urban Co-op Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-40/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR rules for Primary (Urban) Co-operative Banks as of June 30, 2011. Scheduled UCBs follow Section 42 of RBI Act for CRR (no floor/cap since 2007), non-scheduled UCBs follow Section 18 of BR Act. SLR for all UCBs is under Section 24 of BR Act. Daily compliance registers",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6524&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/39",
   "title": "Master Circular: Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-39/",
   "products": [],
   "summary": "RBI consolidated all instructions on guarantees, co-acceptances, and letters of credit for Primary (Urban) Co-operative Banks as of July 1, 2011. Key limits: total guarantees capped at 10% of owned resources, unsecured guarantees at 25% of owned funds or total guarantees (whichever lower), and maxim",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6523&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/38",
   "title": "Master Circular: Housing Finance for Urban Co-op Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-38/",
   "products": [],
   "summary": "RBI consolidated housing finance guidelines for UCBs as of July 1, 2011. Banks can lend to individuals, societies, and housing boards for construction, repairs, and slum clearance. Loans up to Rs.25 lakh (Tier I) or Rs.50 lakh (Tier II) per beneficiary, with board-approved margins, and priority sect",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6522&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:38 IST",
   "published_at_iso": "2026-06-20T08:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/79",
   "title": "Master Circular on KYC/AML/CFT Norms for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-79/",
   "products": [],
   "summary": "RBI consolidated all KYC/AML/CFT guidelines for Primary (Urban) Co-operative Banks as of June 30, 2011. The circular mandates board-approved KYC policies, customer identification procedures, transaction monitoring, and reporting to FIU-IND under PMLA, 2002. Non-compliance may attract penalties under",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6545&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/48",
   "title": "IRAC Norms Master Circular for UCBs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-48/",
   "products": [],
   "summary": "RBI consolidated all income recognition, asset classification, and provisioning guidelines for Urban Co-operative Banks (UCBs) as of June 30, 2011. This master circular replaces the July 2010 version and must be followed for NPA classification, provisioning, and income recognition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6544&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2010-11/449",
   "title": "RBI Master Circular on Credit Card Operations: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2010-11-449/",
   "products": [],
   "summary": "RBI consolidated all credit card guidelines for banks and NBFCs into a single Master Circular, effective July 1, 2011. It covers card issuance, interest rates, billing, agent use, customer rights, grievance redressal, fraud control, and internal monitoring. All issuers must strictly comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6543&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/55",
   "title": "RBI Master Circular on Financial Statement Disclosures (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-55/",
   "products": [],
   "summary": "RBI updated its Master Circular on disclosures in 'Notes to Accounts' for scheduled commercial banks (excluding RRBs), consolidating instructions issued up to June 30, 2011. This replaces the 2010 circular and adds new disclosure requirements, including those from the New Capital Adequacy Framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6542&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/70",
   "title": "RBI Master Circular on Exposure Norms for FIs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-70/",
   "products": [],
   "summary": "RBI consolidated exposure norms for all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI) as of July 1, 2011. Key updates include credit exposure ceilings for single/group borrowers, infrastructure lending definitions, and prudential limits to manage concentration risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6541&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/80",
   "title": "RBI Master Circular on Branch Licensing for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-80/",
   "products": [],
   "summary": "RBI consolidated all branch licensing rules for Regional Rural Banks into a single master circular, covering legal requirements, conditions for opening/shifting/merging branches, and procedural rationalization. RRBs must submit proposals to NABARD with a copy to RBI, with Board approval and Empowere",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6540&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/73",
   "title": "Master Circular on Wilful Defaulters: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-73/",
   "products": [],
   "summary": "RBI consolidated all existing instructions on wilful defaulters into a single master circular effective July 1, 2011. It defines wilful default, sets reporting thresholds, and mandates penal measures for banks and financial institutions to prevent further credit to such entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6539&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/67",
   "title": "Master Circular: Resource Raising Norms for FIs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-67/",
   "products": [],
   "summary": "RBI consolidated resource raising norms for Exim Bank, NABARD, NHB, and SIDBI into a single master circular effective July 1, 2011, covering term deposits, bonds, CPs, CDs, and other instruments. The umbrella limit is 100% of net owned funds (NOF) for NABARD, and 150% of NOF for NHB, SIDBI, and EXIM",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6538&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/81",
   "title": "Master Circular: Natural Calamity Relief Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-81/",
   "products": [],
   "summary": "RBI's 2011 master circular consolidates guidelines for banks to provide swift credit relief in natural calamity areas. Banks must have standing instructions, convene DCC/SLBC meetings, and coordinate with state authorities for rehabilitation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6537&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/57",
   "title": "Master Circular on Guarantees and Co-acceptances (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-57/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on bank guarantees and co-acceptances into a single Master Circular effective July 1, 2011. It covers norms for unsecured advances, fraud prevention, guarantees for directors/stockbrokers, and payment of invoked guarantees. Applicable to all scheduled commerc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6536&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/46",
   "title": "Master Circular on Inspection & Audit for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-46/",
   "products": [],
   "summary": "RBI consolidated inspection and audit guidelines for Primary (Urban) Co-operative Banks, emphasizing stronger internal audit, Ghosh Committee recommendations, and improved fraud detection. Banks must upgrade audit quality, ensure senior oversight, and implement concurrent audit systems.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6535&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/77",
   "title": "Penal Interest on Currency Chest Reporting Errors",
   "url": "https://bankpulse.ai/c/rbi-2011-12-77/",
   "products": [],
   "summary": "RBI mandates penal interest for delayed, wrong, or non-reporting of currency chest transactions via ICCOMS. Transactions over ₹1 lakh must be reported same day by 9 PM (chests) and 11 PM (link offices). No cap on penal interest; it applies from T+0 until corrected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6534&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:29 IST",
   "published_at_iso": "2026-06-20T08:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/88",
   "title": "Master Circular on Priority Sector Lending - Special Programmes – SGSY",
   "url": "https://bankpulse.ai/c/rbi-2011-12-88/",
   "products": [],
   "summary": "RBI issued a master circular consolidating all existing guidelines on Swarnajayanti Gram Swarozgar Yojana (SGSY) for priority sector lending. Banks must follow updated norms on SHG lending, subsidy, security, and recovery for rural self-employment schemes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6557&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/86",
   "title": "Priority Sector Lending: Credit to SC/ST Communities",
   "url": "https://bankpulse.ai/c/rbi-2011-12-86/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on priority sector credit to Scheduled Castes and Scheduled Tribes into a single Master Circular. Banks must weight credit planning in favor of SC/STs, design bankable schemes, and ensure sympathetic, timely loan processing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6556&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/96",
   "title": "Master Circular on Nomination for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2011-12-96/",
   "products": [],
   "summary": "RBI consolidated all instructions on nomination for Relief/Savings Bonds into a single master circular, effective July 1, 2011. Agency banks must follow updated rules for nomination, variation, cancellation, and acknowledgment, including NRI nominations for 8% Savings (Taxable) Bonds, 2003.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6555&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/95",
   "title": "Master Circular on Relief/Savings Bonds Brokerage and Appointment",
   "url": "https://bankpulse.ai/c/rbi-2011-12-95/",
   "products": [],
   "summary": "RBI consolidated all operative instructions on broker appointment, delisting, and brokerage for Relief/Savings Bonds as of June 30, 2011. Agency banks must follow simple enrollment, avoid using RBI name for sub-agents, delist dormant brokers after 2 years, and pay 1% brokerage within 30 days without",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6554&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/83",
   "title": "MSME Lending Master Circular 2011: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-83/",
   "products": [],
   "summary": "RBI consolidated MSME lending guidelines as of June 30, 2011, adopting the MSMED Act 2006 definitions. Key changes: services sector included, medium enterprises added, and clubbing of investments for classification removed. Banks must use new investment thresholds for priority sector reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6553&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/44",
   "title": "Master Circular on Deposit Accounts for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-44/",
   "products": [],
   "summary": "RBI consolidated all deposit account guidelines for Primary Urban Co-operative Banks (UCBs) as of July 1, 2011. This covers account opening, KYC, nomination, joint accounts, deceased claims, and unclaimed deposits. No new rules were introduced; it's an update of existing instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6552&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/43",
   "title": "Priority Sector Lending Master Circular for UCBs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-43/",
   "products": [],
   "summary": "RBI consolidated priority sector lending norms for Urban Co-operative Banks as of July 1, 2011. Key categories include agriculture (direct/indirect), small enterprises, and weaker sections. No new targets were introduced; the circular consolidates existing instructions. Banks must report annually an",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6551&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/71",
   "title": "Master Circular on Bank Finance to NBFCs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-71/",
   "products": [],
   "summary": "RBI updated its master circular on bank finance to NBFCs, consolidating instructions up to June 30, 2011. Key change: removal of the credit ceiling linked to Net Owned Fund for registered NBFCs, allowing banks to extend need-based working capital and term loans based on their own loan policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6550&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/74",
   "title": "Fraud Classification and Reporting: Updated Master Circular",
   "url": "https://bankpulse.ai/c/rbi-2011-12-74/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on fraud classification and reporting for scheduled commercial banks (excluding RRBs) and select FIs, dated July 1, 2011. It updates previous instructions, mandates timely reporting, and emphasizes CEO-led fraud risk management with board and committee overs",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6549&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/78",
   "title": "Master Circular on Counterfeit Note Detection and Impounding",
   "url": "https://bankpulse.ai/c/rbi-2011-12-78/",
   "products": [],
   "summary": "RBI consolidated instructions on detecting and impounding counterfeit notes. All bank branches and treasuries must stamp, impound, issue receipts, file FIRs, and report data. Staff training and UV lamps are mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6548&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/84",
   "title": "Master Circular on SJSRY: Urban Poverty Alleviation Programmes",
   "url": "https://bankpulse.ai/c/rbi-2011-12-84/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on Swarna Jayanti Shahari Rozgar Yojana (SJSRY) into a single Master Circular effective July 1, 2011. This scheme targets urban poor through self-employment, wage employment, and skill training, with revised guidelines effective from April 1, 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6547&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/58",
   "title": "RBI Master Circular on Exposure Norms (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-58/",
   "products": [],
   "summary": "RBI consolidated all exposure norms into a single Master Circular effective July 1, 2011, covering credit limits for individual/group borrowers, industry/sector caps, and capital market exposure. Banks must align internal policies with these updated guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6546&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:21 IST",
   "published_at_iso": "2026-06-20T08:21:00+05:30"
  },
  {
   "ref": "RBI/2011-12/97",
   "title": "Agency Commission Master Circular 2011: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-97/",
   "products": [],
   "summary": "RBI revised agency commission rates effective July 1, 2005, moving from turnover-based to transaction-based payments: Rs.45 per receipt, 9 paise per Rs.100 turnover for non-pension payments, and Rs.60 per pension transaction. PPF and SCSS transactions now follow single-channel commission via RBI, wi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6581&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/21",
   "title": "Master Circular on NBFC Returns (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-21/",
   "products": [],
   "summary": "RBI consolidated all return-filing instructions for NBFCs (excluding RNBCs) into a single master circular as of July 1, 2011. It lists mandatory returns for deposit-taking NBFCs, systemically important non-deposit-taking NBFCs, and others, covering deposits, prudential norms, ALM, and compliance cer",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6578&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/100",
   "title": "Master Circular on Branch Authorisation 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-100/",
   "products": [],
   "summary": "RBI consolidated branch authorisation rules for commercial banks (excluding RRBs) under Section 23 of the Banking Regulation Act, 1949. The circular updates previous guidelines with instructions issued up to June 30, 2011, covering branch opening, shifting, closure, ATMs, and foreign bank norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6568&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/94",
   "title": "Master Circular on Export Credit Refinance Facility",
   "url": "https://bankpulse.ai/c/rbi-2011-12-94/",
   "products": [],
   "summary": "RBI consolidated export credit refinance (ECR) rules as of July 1, 2011. Banks get refinance at repo rate up to 15% of eligible export credit outstanding. No margin or collateral beyond a DPN. Repayable within 180 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6567&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/34",
   "title": "Mortgage Guarantee Companies Investment Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2011-12-34/",
   "products": [],
   "summary": "RBI updated the Mortgage Guarantee Companies Investment Directions 2008 as of June 30, 2011. These directions prescribe prudential norms for investments by mortgage guarantee companies, including definitions of fair value, break-up value, and NPA classification for investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6566&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/20",
   "title": "NBFC Auditor's Report Directions 2008 (Updated as on June 30, 2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-20/",
   "products": [],
   "summary": "RBI consolidated the 2008 NBFC Auditor's Report Directions as updated on June 30, 2011. Auditors must submit an additional report to the board covering registration status, asset/income pattern compliance, and correct classification for all NBFCs, with extra checks for deposit-taking firms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6565&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/16",
   "title": "Master Circular for Securitisation and Reconstruction Companies (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-16/",
   "products": [],
   "summary": "RBI consolidated all existing instructions for Securitisation Companies/Reconstruction Companies (SCs/RCs) into a single Master Circular as of July 1, 2011, covering registration, minimum owned fund (15% of total financial assets acquired or to be acquired on aggregate basis or ₹100 crore, whichever",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6564&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/101",
   "title": "RBI Tightens Overseas Investment Rules for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-101/",
   "products": [],
   "summary": "RBI mandates NBFCs to obtain prior No Objection from its Department of Non-Banking Supervision before any overseas investment. Violations attract FEMA penalties. Aggregate overseas investment capped at 100% of net owned funds, single entity at 15% of owned funds. Only financial sector entities regul",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6563&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/75",
   "title": "Fraud Classification and Reporting for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-75/",
   "products": [],
   "summary": "RBI updated its Master Circular on fraud classification and reporting for Primary Urban Co-operative Banks as of June 30, 2011. Banks must report frauds promptly using specified thresholds and formats, with strict timelines to avoid penal action under Section 47(A) of the Banking Regulation Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6562&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/64",
   "title": "Master Circular on Para-Banking Activities (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-64/",
   "products": [],
   "summary": "RBI consolidated all para-banking guidelines for scheduled commercial banks (excluding RRBs) as of June 30, 2011. This covers subsidiary rules, investment ceilings, leasing, factoring, mutual funds, insurance, pension funds, underwriting, and card business. Banks must follow these prudential norms f",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6561&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/91",
   "title": "Master Circular on Call/Notice Money Market Operations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-91/",
   "products": [],
   "summary": "RBI consolidated all call/notice money market guidelines into one master circular, effective July 1, 2011. It sets prudential limits on borrowing and lending for scheduled commercial banks, co-operative banks, and primary dealers, and reaffirms that non-bank institutions (except PDs) are excluded.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6559&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/89",
   "title": "Master Circular on Commercial Paper Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2011-12-89/",
   "products": [],
   "summary": "RBI consolidated all CP guidelines into a master circular. Eligible issuers include corporates with net worth ≥₹4 crore, PDs, and FIs. CP must have minimum P-2 rating, maturity 7 days to 1 year, and minimum denomination ₹5 lakh. Banks must ensure borrower accounts are standard assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6558&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:15 IST",
   "published_at_iso": "2026-06-20T08:15:00+05:30"
  },
  {
   "ref": "RBI/2011-12/24",
   "title": "Miscellaneous NBFC Directions 1977 Updated as on June 30, 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-24/",
   "products": [],
   "summary": "RBI has issued an updated consolidated version of the Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977, incorporating all amendments up to June 30, 2011. This notification supersedes the earlier Directions contained in Notification No. DNBC.21/DG(S)-73 dated August 23, 1973. It ap",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6582&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/99",
   "title": "Master Circular: Direct Tax Collection via OLTAS (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-99/",
   "products": [],
   "summary": "RBI updated its master circular on direct tax collection through OLTAS, consolidating instructions up to June 2011. Agency banks must follow the revised procedures for accepting, accounting, and reporting CBDT dues, including proper token issuance and secure challan handling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6580&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/98",
   "title": "Master Circular: Pension Disbursement by Agency Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-98/",
   "products": [],
   "summary": "RBI consolidated all instructions on government pension disbursement by agency banks into a single master circular as of July 1, 2011, covering DR payment, nomination acceptance, and electronic order dissemination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6579&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/27",
   "title": "NBFC Entry into Insurance, Credit Cards & Allied Activities: Master Circular 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-27/",
   "products": [],
   "summary": "RBI consolidated all instructions on NBFCs entering insurance, issuing credit cards, and marketing products as of June 30, 2011. Key rules: NBFCs can do insurance agency without RBI approval if no risk; JV equity capped at 50%; investment up to 10% of owned fund or ₹50 crore for others.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6577&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/18",
   "title": "NBFC Prudential Norms 2007 Updated as on June 30, 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-18/",
   "products": [],
   "summary": "RBI consolidated all prudential norms for deposit-taking NBFCs and RNBCs into one updated notification as of June 30, 2011, superseding the 1998 directions. Key definitions like break-up value, carrying cost, current investment, doubtful asset, and earning value are included.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6576&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/17",
   "title": "NBFC Public Deposit Directions 1998 as amended upto June 30, 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-17/",
   "products": [],
   "summary": "RBI issued a consolidated version of the NBFC Public Deposit Directions 1998, updated to June 30, 2011. This circular replaces earlier instructions and provides a single reference for NBFCs (excluding residuary and miscellaneous NBFCs) on public deposit acceptance norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6574&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/22",
   "title": "Master Circular: Exemptions from RBI Act, 1934 for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-22/",
   "products": [],
   "summary": "RBI consolidated exemptions from Chapter IIIB of the RBI Act, 1934 for housing finance institutions, merchant bankers, micro finance companies (with credit limits of Rs. 50,000 for business and Rs. 1,25,000 for dwelling units), mutual benefit companies, government companies, and venture capital fund",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6573&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/87",
   "title": "Master Circular: Priority Sector Credit to Minority Communities",
   "url": "https://bankpulse.ai/c/rbi-2011-12-87/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on credit to minority communities into a single Master Circular. Banks must ensure fair credit flow to Sikhs, Muslims, Christians, Zoroastrians, and Buddhists, with special cells and nodal officers in 121 minority concentration districts (excluding states/UTs ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6572&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/85",
   "title": "Master Circular on Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-85/",
   "products": [],
   "summary": "RBI issued a master circular consolidating all SRMS guidelines for public sector banks to rehabilitate remaining manual scavengers and dependents via capital subsidy, concessional loans, and capacity building, replacing the older NSLRS scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6571&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/93",
   "title": "Capital Adequacy & Risk Management for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-93/",
   "products": [],
   "summary": "RBI consolidated all capital adequacy and risk management guidelines for standalone Primary Dealers (PDs) into a single master circular as of July 1, 2011. It defines Tier-I, II, and III capital components, credit and market risk measurement, and reporting requirements. Banks doing PD activities mus",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6570&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/92",
   "title": "Master Circular: Operational Guidelines for Primary Dealers (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-92/",
   "products": [],
   "summary": "RBI consolidated all operational guidelines for Primary Dealers (PDs) into a single master circular effective July 1, 2011. It covers regulations for standalone PDs and banks doing PD business departmentally, including roles in G-Sec markets, prudential norms, and reporting. Banks must follow separa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6569&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 08:06 IST",
   "published_at_iso": "2026-06-20T08:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/103",
   "title": "Master Circular on Advances Management for UCBs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-103/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Urban Co-operative Banks as of June 30, 2011. Key updates include turnover-based working capital assessment for small borrowers, prudential restructuring norms, and specific lending activity rules. Banks must adopt board-approved credit policies",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6595&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/102",
   "title": "Master Circular on Urban Co-op Bank Branch & ATM Policy",
   "url": "https://bankpulse.ai/c/rbi-2011-12-102/",
   "products": [],
   "summary": "RBI consolidated all instructions on area of operation, branch authorisation, extension counters, ATMs, and office shifting/closure for Primary Urban Co-operative Banks as of June 30, 2011. This circular updates the previous year's master circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6594&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/29",
   "title": "RBI Consolidates NBFC-ND-SI Instructions: July 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-29/",
   "products": [],
   "summary": "RBI consolidated all instructions for systemically important non-deposit taking NBFCs (NBFC-ND-SI) into a single master circular as of July 1, 2011. Key requirements include minimum CRAR of 12% (from March 31, 2010) and 15% (from March 31, 2011), exposure norms, and classification criteria for asset",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6593&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/35",
   "title": "Securitisation & Reconstruction Companies Guidelines 2003 (Updated June 2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-35/",
   "products": [],
   "summary": "RBI consolidated its 2003 guidelines for Securitisation Companies (SCs) and Reconstruction Companies (RCs) as of June 30, 2011. The update covers registration, prudential norms, asset reconstruction, and NPA classification (180 days or more overdue). Banks dealing with SCs/RCs must align with these ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6592&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/32",
   "title": "RBI Issues Updated Compilation of Mortgage Guarantee Company Guidelines (2008) as on June 30, 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-32/",
   "products": [],
   "summary": "RBI issued a consolidated circular dated July 1, 2011, reproducing the Mortgage Guarantee Company (Reserve Bank) Guidelines, 2008, as amended up to June 30, 2011. The circular replaces the earlier notification dated February 15, 2008, and brings all current instructions under one document. The origi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6591&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/33",
   "title": "Mortgage Guarantee Companies Prudential Norms Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2011-12-33/",
   "products": [],
   "summary": "RBI consolidated the 2008 prudential norms for Mortgage Guarantee Companies as of June 30, 2011. Key definitions include NPA classification from trigger event, doubtful asset after 12 months, and net owned fund calculation. All MGCs must comply immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6590&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/31",
   "title": "RBI Master Circular on Core Investment Companies (CICs) – July 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-31/",
   "products": [],
   "summary": "RBI consolidated its regulatory framework for Core Investment Companies (CICs) in July 2011. Systemically important CICs (asset size ≥ ₹100 crore) must now register as NBFCs and follow RBI directions, while smaller CICs remain exempt. This ends the earlier exemption for CICs that held only stake inv",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6589&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/30",
   "title": "RBI Master Circular: NBFC Compliance & ALM Guidelines (2011) - Limited to Specific NBFC Types",
   "url": "https://bankpulse.ai/c/rbi-2011-12-30/",
   "products": [],
   "summary": "RBI consolidated all NBFC instructions into a master circular as of June 30, 2011. Key updates: mandatory ALM system for NBFCs (equipment leasing, hire purchase finance, loan, investment, and residuary non-banking companies) with asset base ≥₹100 crore or public deposits ≥₹20 crore as per audited ba",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6588&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/36",
   "title": "SC/RC Management Takeover Guidelines 2010",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-36/",
   "products": [],
   "summary": "RBI issued guidelines under SARFAESI Act for SC/RCs to change or take over borrower management. Key conditions: dues must be at least 25% of borrower's total assets, and if multiple creditors, 75% of security receipts must agree. Focus on fairness and transparency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6587&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/23",
   "title": "Master Circular on Fraud Monitoring for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-23/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on fraud monitoring for deposit-taking NBFCs, issued on July 1, 2011. It mandates reporting of frauds of Rs. 1 lakh and above within three weeks, quarterly returns, and board reviews. NBFCs must appoint a General Manager-level official for compliance to avoi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6586&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/28",
   "title": "RBI Master Circular on NBFC Corporate Governance (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-28/",
   "products": [],
   "summary": "RBI consolidated corporate governance rules for NBFCs as of June 30, 2011. Key updates: desirable audit partner rotation every 3 years for NBFCs with deposits ≥₹50 crore, and guidelines on Audit, Nomination, and Risk Management Committees for deposit-taking NBFCs with deposits ≥₹20 crore and large n",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6584&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/26",
   "title": "RBI Master Circular on Fair Practices Code for NBFCs (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-26/",
   "products": [],
   "summary": "RBI consolidated all fair practices instructions for NBFCs/RNBCs into a single Master Circular as of June 30, 2011. It mandates transparent loan processing, written sanction terms with annualized interest rates, and timely release of securities. Boards must approve and publish the code.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6583&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:58 IST",
   "published_at_iso": "2026-06-20T07:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/115",
   "title": "RBI allows hedging for rupee trade by non-residents",
   "url": "https://bankpulse.ai/c/rbi-2011-12-115/",
   "products": [],
   "summary": "RBI now permits non-resident importers and exporters to hedge currency risk on rupee-invoiced trade with India via AD Category I banks, using forwards or options, through a two-bank model.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6619&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/114",
   "title": "UN 1267 Sanctions List Update: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2011-12-114/",
   "products": [],
   "summary": "RBI mandates banks to update the UN 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts, verify names against the list; also scan existing accounts for matches. Follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6618&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/113",
   "title": "RBI mandates 25% rural branch openings in unbanked areas",
   "url": "https://bankpulse.ai/c/rbi-2011-12-113/",
   "products": [],
   "summary": "Banks must now allocate at least 25% of annual branch expansion to unbanked rural centres (Tier 5/6). This replaces the earlier one-third rule for underbanked districts. RBI will factor this into approvals for Tier 1/2 branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6613&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/112",
   "title": "Regularization of Pre-FEMA Liaison/Branch Offices",
   "url": "https://bankpulse.ai/c/rbi-2011-12-112/",
   "products": [],
   "summary": "RBI gives foreign entities with pre-FEMA liaison/branch offices 90 days to apply for regularization. AD Category-I banks must route applications in form FNC and ensure clients hold valid RBI approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6612&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/111",
   "title": "RBI Centralises Inter-bank Charge Settlement for Retail E-Payments",
   "url": "https://bankpulse.ai/c/rbi-2011-12-111/",
   "products": [],
   "summary": "RBI has shifted the calculation and settlement of inter-bank processing charges for NEFT, NECS, RECS, and ECS from individual banks to Clearing Houses/Processing Centres using multilateral netting, effective July 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6611&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/110",
   "title": "Priority Sector Data Reporting Now Quarterly",
   "url": "https://bankpulse.ai/c/rbi-2011-12-110/",
   "products": [],
   "summary": "RBI mandates quarterly (instead of half-yearly) submission of priority sector advances data in a revised format, effective from the last reporting Friday of June 2011. Banks must report within 15 days of the reference date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6610&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/109",
   "title": "UCBs Must Screen Accounts Against Updated UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-109/",
   "products": [],
   "summary": "RBI has forwarded UN updates to the Al-Qaida/Taliban sanctions list. Urban co-operative banks must screen new and existing accounts against this list, freeze assets of designated entities per UAPA rules, and confirm receipt to their regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6605&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/108",
   "title": "DvP III Facility Extended to Gilt Account Holders",
   "url": "https://bankpulse.ai/c/rbi-2011-12-108/",
   "products": [],
   "summary": "RBI extends DvP III settlement to gilt account holders, except for trades between holders under the same custodian. Custodians must ensure compliance with RBI guidelines and prevent sale transactions without prior buys or clear balances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6604&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/107",
   "title": "Master Circular - Lending To Priority Sector (July 1, 2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-107/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending guidelines into a single Master Circular as of July 1, 2011. Banks must continue targeting 40% of advances to priority sectors, with sub-targets for agriculture and weaker sections, based on historical mandates and recent working group recommendations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6603&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/106",
   "title": "RBI caps bank investments in liquid/short term debt MFs at 10% of net worth",
   "url": "https://bankpulse.ai/c/rbi-2011-12-106/",
   "products": [],
   "summary": "RBI has capped banks' total investment in liquid/short term debt mutual fund schemes at 10% of net worth as of previous March 31, to curb systemic risk from circular fund flows between banks and MFs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6602&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/104",
   "title": "Update UNSC 1267 Terrorist List for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-104/",
   "products": [],
   "summary": "RBI directs state and central co-operative banks to update the UNSC 1267 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6597&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/105",
   "title": "RBI eases FCCB refinancing under automatic route",
   "url": "https://bankpulse.ai/c/rbi-2011-12-105/",
   "products": [],
   "summary": "RBI now allows Indian companies to refinance outstanding FCCBs via fresh ECB/FCCB under the automatic route, subject to conditions like maturity, cost, and a USD 500 million cap. This provides relief for firms facing redemption difficulties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6596&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:49 IST",
   "published_at_iso": "2026-06-20T07:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/128",
   "title": "UN Terror List Update for Co-op Banks: Al-Qaida/Taliban",
   "url": "https://bankpulse.ai/c/rbi-2011-12-128/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to update UNSCR 1267/1822 consolidated list of terrorist individuals/entities linked to Al-Qaida and Taliban. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6636&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/127",
   "title": "Repo Rate Hiked 50 bps: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2011-12-127/",
   "products": [],
   "summary": "RBI hiked repo rate by 50 bps to 8.0% effective July 26, 2011. Standing liquidity facilities for banks (export credit refinance) and primary dealers (collateralised liquidity support) will now be available at the revised repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6635&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/126",
   "title": "Repo Rate Hiked 50 bps to 8% in Q1 Review 2011-12",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-126/",
   "products": [],
   "summary": "RBI raised the repo rate by 50 bps to 8.00% effective July 26, 2011. Reverse repo automatically adjusted to 7.00% and MSF rate to 9.00%. All other LAF and MSF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6634&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/125",
   "title": "Exim Bank USD 5 mn Line of Credit to Indo-Zambia Bank",
   "url": "https://bankpulse.ai/c/rbi-2011-12-125/",
   "products": [],
   "summary": "RBI notifies Exim Bank's USD 5 million Line of Credit to Indo-Zambia Bank for financing Indian exports. AD Category-I banks must advise exporters on terms, including no agency commission except with RBI approval for after-sales service, and ensure GR/SDF form compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6633&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/124",
   "title": "Exim Bank's USD 20 Million Line of Credit to Swaziland",
   "url": "https://bankpulse.ai/c/rbi-2011-12-124/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 20 million line of credit to Swaziland for an IT Park. Banks must guide exporters on LOC terms, including 75% Indian content, no agency commission, and specific LC/disbursement timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6632&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/122",
   "title": "RBI Discontinues Quarterly Financial Inclusion Reporting",
   "url": "https://bankpulse.ai/c/rbi-2011-12-122/",
   "products": [],
   "summary": "RBI has discontinued the quarterly reporting of Financial Inclusion Indicators for scheduled commercial banks (excluding RRBs), effective from the date of the circular (July 22, 2011), as progress is now monitored via detailed monthly reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6626&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/121",
   "title": "Cheque Return Memos Must Be Signed or Initialled",
   "url": "https://bankpulse.ai/c/rbi-2011-12-121/",
   "products": [],
   "summary": "RBI mandates that all Cheque Return Memos must be signed or initialled by bank officials, even if computer-generated. This is critical for legal recourse and compliance with URRBCH rules under the Payment and Settlement Systems Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6625&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/120",
   "title": "UN Terror List Update: Urban Co-op Banks Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-120/",
   "products": [],
   "summary": "RBI directs urban co-operative banks to update the UN 1267/1822 consolidated list of terrorist individuals/entities, screen new and existing accounts against it, and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6624&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/119",
   "title": "Exim Bank's $20 mn LOC to Mozambique for Agri Exports",
   "url": "https://bankpulse.ai/c/rbi-2011-12-119/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 20 million line of credit to Mozambique for Indian exports of goods, machinery, and consultancy to boost rice-wheat-maize cultivation. At least 75% contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6623&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/118",
   "title": "NBFCs Must Screen Accounts Against UN Terror List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-118/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update and screen customers against the UNSC 1267/1822 consolidated list of individuals/entities linked to Al-Qaida and Taliban, covering new and existing accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6622&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/117",
   "title": "RRB Schedule Inclusion/Exclusion: 5 Added, 11 Removed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-117/",
   "products": [],
   "summary": "RBI included 5 amalgamated RRBs in the Second Schedule and excluded 11 erstwhile RRBs, effective March 31, 2011, via gazette notifications. This formalizes post-merger legal status for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6621&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/116",
   "title": "RRBs: Updated UN Terrorist List Compliance Mandate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-116/",
   "products": [],
   "summary": "RBI directs RRBs to update their consolidated list of terrorist individuals/entities per UNSCR 1267/1822 changes. Before opening new accounts and for existing ones, RRBs must screen against this list and freeze assets of designated entities as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6620&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:42 IST",
   "published_at_iso": "2026-06-20T07:42:00+05:30"
  },
  {
   "ref": "RBI/2011-12/140",
   "title": "RBI Updates AML/CFT Risks: Iran, DPRK & Other Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-140/",
   "products": [],
   "summary": "RBI advises cooperative banks to assess AML/CFT risks from Iran, DPRK, and eight other jurisdictions (Bolivia, Cuba, Ethiopia, Kenya, Myanmar, Sri Lanka, Syria, Turkey) per FATF's June 2011 update. Legitimate trade with Iran remains allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6652&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/139",
   "title": "FATF Statement on AML/CFT Deficient Jurisdictions (June 24, 2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-139/",
   "products": [],
   "summary": "RBI advises State and Central Co-operative Banks to consider the FATF's June 24, 2011 statement on jurisdictions with AML/CFT deficiencies. Banks must ensure their Principal Officer acknowledges receipt to the concerned RBI Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6651&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/138",
   "title": "Exim Bank's USD 4 mn Line of Credit to Guyana for Irrigation Pumps",
   "url": "https://bankpulse.ai/c/rbi-2011-12-138/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 4 million Line of Credit to Guyana for financing Indian exports of irrigation pumps. Banks must facilitate LCs, remittances, and GR/SDF declarations per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6650&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/137",
   "title": "NBFCs Must Update UN Terrorist List for KYC Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-137/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update their records with the latest UNSCR 1267/1822 terrorist list. Before opening new accounts, verify customer names against this list, and scan existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6649&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/136",
   "title": "RBI Tightens Derivatives Suitability Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-136/",
   "products": [],
   "summary": "RBI revised derivatives guidelines to prevent mis-selling. Banks must now have a Board-approved Customer Appropriateness & Suitability Policy, ensure users understand risks, and obtain corporate Board resolutions before offering derivative products.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6648&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/135",
   "title": "RBI Reiterates Ban on Cash Issuance of Demand Drafts of Rs 50,000 and Above",
   "url": "https://bankpulse.ai/c/rbi-2011-12-135/",
   "products": [],
   "summary": "RBI has warned banks against issuing demand drafts of Rs 50,000 and above against cash. Such drafts must only be issued by debiting the customer's account or against a cheque/instrument. Violations will be viewed seriously.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6647&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/134",
   "title": "RRBs: Updated FATF Jurisdictions with AML/CFT Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-2011-12-134/",
   "products": [],
   "summary": "RBI directs RRBs to consider the latest FATF statement (June 24, 2011) listing jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their risk assessments and ensure compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6642&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/133",
   "title": "RRBs: Updated FATF AML/CFT Risks on Iran, DPRK & Other Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-133/",
   "products": [],
   "summary": "RBI directs RRBs to factor in updated FATF AML/CFT risks from Iran, DPRK, and eight other jurisdictions (Bolivia, Cuba, Ethiopia, Kenya, Myanmar, Sri Lanka, Syria, Turkey) when dealing with entities from these countries. Legitimate trade with Iran remains allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6641&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/132",
   "title": "J&K Credit Relaxations Extended to March 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-132/",
   "products": [],
   "summary": "RBI extends credit concessions for J&K borrowers by one more year, up to March 31, 2012. Banks must continue applying existing relaxations as per the April 2004 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6640&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/130",
   "title": "FATF Statement on AML/CFT Deficiencies: Banks Must Act",
   "url": "https://bankpulse.ai/c/rbi-2011-12-130/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks and AIFIs to consider the FATF's June 24, 2011 statement on jurisdictions with strategic AML/CFT deficiencies. Banks must factor this into their risk assessments and compliance actions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6639&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/131",
   "title": "FATF Updates on Iran, DPRK, and Other High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-131/",
   "products": [],
   "summary": "RBI advises banks to factor in AML/CFT risks from Iran, DPRK, and eight other countries (Bolivia, Cuba, Ethiopia, Kenya, Myanmar, Sri Lanka, Syria, Turkey) when dealing with entities from those jurisdictions. Legitimate trade with Iran remains allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6638&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/129",
   "title": "Revised Procedure for Counterfeit Note Detection",
   "url": "https://bankpulse.ai/c/rbi-2011-12-129/",
   "products": [],
   "summary": "RBI has revised counterfeit note reporting: for up to 4 fake notes in one transaction, send a consolidated monthly report to police; for 5 or more, file an FIR immediately. This replaces the earlier blanket FIR requirement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6637&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:33 IST",
   "published_at_iso": "2026-06-20T07:33:00+05:30"
  },
  {
   "ref": "RBI/2011-12/153",
   "title": "EBT-FIP Convergence: New Operational Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-153/",
   "products": [],
   "summary": "RBI issued operational guidelines to converge Electronic Benefit Transfer (EBT) with the Financial Inclusion Plan (FIP), replacing the 'One District–One Bank' model. Banks must align EBT and FIP village allocations to avoid mismatches and scale financial inclusion sustainably.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6673&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/152",
   "title": "RBI mandates customer choice between RTGS and NEFT",
   "url": "https://bankpulse.ai/c/rbi-2011-12-152/",
   "products": [],
   "summary": "RBI directs all banks to let customers choose RTGS or NEFT at transaction initiation. Banks must offer this option at branches, online, or any channel and process funds exactly as the customer selects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6672&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/150",
   "title": "Master Circular on Use of Hindi in Public Sector Banks (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-150/",
   "products": [],
   "summary": "RBI updated its master circular on Hindi use in public sector banks, consolidating instructions issued up to June 30, 2011. Banks must continue implementing Official Languages Act provisions, including bilingual correspondence, forms, and customer service. No new policy changes were introduced.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6666&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/149",
   "title": "LAF Reverse Repo and MSF Timing Shift to Evening",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-149/",
   "products": [],
   "summary": "From August 16, 2011, LAF Reverse Repo auctions and MSF operations move to 4:30-5:00 PM (Mumbai working days, excluding Saturdays). LAF Repo auctions remain at 9:30-10:30 AM. All other terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6665&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/148",
   "title": "RBI allows QFIs to invest in domestic mutual fund equity schemes",
   "url": "https://bankpulse.ai/c/rbi-2011-12-148/",
   "products": [],
   "summary": "RBI now permits Qualified Foreign Investors (QFIs) to buy rupee-denominated equity scheme units of domestic mutual funds on a repatriable basis, subject to a USD 10 billion aggregate ceiling (plus an additional USD 3 billion for debt schemes in infrastructure) and KYC norms. Investments can be made ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6664&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/147",
   "title": "Small Account Rules for RRBs: Limits and KYC Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-147/",
   "products": [],
   "summary": "RBI directs RRBs to treat accounts opened with NREGA job cards or Aadhaar letters as 'small accounts' with strict transaction limits: annual credits up to ₹1 lakh, monthly withdrawals/transfers up to ₹10,000, and maximum balance of ₹50,000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6663&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/146",
   "title": "UN Terror List Updates: PSOs Must Screen Customers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-146/",
   "products": [],
   "summary": "RBI directs all payment system operators to update the UN 1267 consolidated list of terrorist individuals/entities and screen new and existing customers against it, ensuring no accounts are linked to listed entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6658&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/145",
   "title": "RBI Mandates Extra Authentication for All Card-Not-Present Transactions by May 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-145/",
   "products": [],
   "summary": "RBI has directed banks to implement additional factor of authentication for all card-not-present (CNP) transactions, including IVR, by May 1, 2012. Issuers must reimburse customers for losses from non-compliant transactions after that date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6657&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/144",
   "title": "RBI allows banks to issue prepaid cards to corporates for employees",
   "url": "https://bankpulse.ai/c/rbi-2011-12-144/",
   "products": [],
   "summary": "RBI now permits banks to issue prepaid payment instruments to listed corporates for employee use, with a Rs 50,000 cap per card. Banks must verify employee identity via the corporate and load funds only from the corporate's KYC-compliant account with the same bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6656&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/143",
   "title": "Replace 'SSI' with 'Micro and Small Enterprises' in Bank Docs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-143/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to replace the term 'Small Scale Industries' with 'Micro and Small Enterprises' in their internal guidelines, aligning with government notifications from 2006 and 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6655&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/142",
   "title": "UCBs: Updated FATF Jurisdictions List for AML/CFT Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-142/",
   "products": [],
   "summary": "RBI directs all AD Category I Primary Urban Co-operative Banks to review and act on the latest FATF statement (June 24, 2011) identifying jurisdictions with strategic AML/CFT deficiencies. Banks must consider this information in their risk assessments and acknowledge receipt to their Regional Office",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6654&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/141",
   "title": "UCBs: Updated AML/CFT Risks from Iran, DPRK & Other Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-141/",
   "products": [],
   "summary": "RBI updates urban co-operative banks on FATF's June 2011 statement, urging enhanced due diligence for Iran and DPRK due to ongoing money laundering/terrorist financing risks, and flags eight other jurisdictions with strategic AML/CFT deficiencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6653&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-20T07:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/174",
   "title": "NRE/FCNR(B) Joint Accounts with Resident Close Relatives Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-174/",
   "products": [],
   "summary": "RBI now permits NRIs/PIOs to open NRE/FCNR(B) accounts jointly with resident close relatives on a 'former or survivor' basis. The resident relative can operate the account as a Power of Attorney holder during the NRI's lifetime.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6706&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/164",
   "title": "UN Al-Qaida Sanctions List Update for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-164/",
   "products": [],
   "summary": "RBI directs co-operative banks to update their UNSCR 1267 sanctions list with three new annexes from July/August 2011. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6692&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/163",
   "title": "ANZ Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2011-12-163/",
   "products": [],
   "summary": "RBI has included Australia and New Zealand Banking Group Limited in the Second Schedule of the RBI Act, 1934, making it a scheduled bank. This grants ANZ the same regulatory status as other scheduled commercial banks in India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6691&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/162",
   "title": "Revised Authorisation Guidelines for Primary Dealers (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-162/",
   "products": [],
   "summary": "RBI revised PD authorisation norms to ensure equitable, transparent entry and active G-Sec market participation. Key changes include minimum NOF of Rs 150 crore or Rs 250 crore (as per Master Circular), at least one year of G-Sec exposure with turnover and assets each at least 15% of total, and a tu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6690&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/161",
   "title": "UN Terror List Updates for RRBs: Al-Qaida Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-161/",
   "products": [],
   "summary": "RBI directs RRBs to update their consolidated list of terrorist individuals/entities linked to Al-Qaida per UNSCR 1267, 1822, and 1989. Banks must screen new and existing accounts against this list and comply with UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6689&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/160",
   "title": "RBI Extends Rupee Drawing Arrangements to Malaysia",
   "url": "https://bankpulse.ai/c/rbi-2011-12-160/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to open Rupee Vostro accounts for Exchange Houses in Malaysia under Speed Remittance procedures, expanding the earlier scope limited to Gulf countries, Hong Kong, and Singapore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6688&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/159",
   "title": "RBI allows ATM cash replenishment during strikes and natural calamities",
   "url": "https://bankpulse.ai/c/rbi-2011-12-159/",
   "products": [],
   "summary": "RBI will let banks withdraw cash from its counters to refill ATMs during industry-wide strikes or natural calamities. Each withdrawal is capped at Rs 10 crore, and banks can use it multiple times a day. This aims to prevent ATM cashouts and reduce customer hardship.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6683&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/158",
   "title": "Updated UN Terror List: Al-Qaida/Taliban Sanctions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-158/",
   "products": [],
   "summary": "RBI has circulated updated UN sanctions lists (July 29, Aug 12 & 22, 2011) of terrorist individuals/entities linked to Al-Qaida/Taliban. Banks must screen new and existing accounts against this list and freeze assets as per UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6682&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/157",
   "title": "RBI revises minimum rating for NCDs up to one year",
   "url": "https://bankpulse.ai/c/rbi-2011-12-157/",
   "products": [],
   "summary": "RBI has aligned NCD rating requirements with SEBI's standardised symbols, setting the minimum credit rating for NCDs of up to one year maturity at 'A2' as per SEBI definitions, effective August 23, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6681&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/155",
   "title": "RBI Directs Payment Operators on FATF AML/CFT Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-155/",
   "products": [],
   "summary": "RBI has directed all authorised payment system operators to consider the FATF's June 2011 statement on jurisdictions with strategic AML/CFT deficiencies, reinforcing earlier guidance from April 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6680&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/156",
   "title": "RBI Advisory on AML/CFT Risks from Iran, DPRK, and Other Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-156/",
   "products": [],
   "summary": "RBI directs all payment system operators to assess and mitigate money laundering and terrorist financing risks from Iran, DPRK, and jurisdictions with strategic AML/CFT deficiencies, including Bolivia, Cuba, Ethiopia, Kenya, Myanmar, Sri Lanka, Syria, and Turkey.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6679&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/154",
   "title": "Strict Compliance on DD Issuance for Rs 50,000 and Above",
   "url": "https://bankpulse.ai/c/rbi-2011-12-154/",
   "products": [],
   "summary": "RBI reiterates that demand drafts, mail transfers, telegraphic transfers, and travellers cheques of Rs 50,000 and above must be issued only against debit to customer account or cheque/instrument, not cash. Violations will be viewed seriously.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6674&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-20T07:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/178",
   "title": "FATF Jurisdictions Update for NBFCs/RNBCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-178/",
   "products": [],
   "summary": "RBI directs NBFCs and RNBCs to consider FATF's June 24, 2011 statement on jurisdictions with strategic AML/CFT deficiencies, urging compliance with action plans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6710&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/177",
   "title": "FDI sale proceeds can now be credited to NRE/FCNR accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-177/",
   "products": [],
   "summary": "RBI clarifies that NRIs/PIOs can credit FDI sale proceeds to NRE/FCNR(B) accounts if the original investment was funded via inward remittance or from those accounts, subject to taxes. This extends existing facility under Regulation 11.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6709&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/176",
   "title": "EEFC/RFC Accounts: Joint Holder with Close Relative Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-176/",
   "products": [],
   "summary": "RBI now permits resident individuals to add a resident close relative as a joint holder in EEFC and RFC accounts on a 'former or survivor' basis. The joint holder cannot operate the account during the account holder's lifetime.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6708&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/175",
   "title": "Gift of securities to NRIs/PIOs: Limit raised to USD 50,000 per year",
   "url": "https://bankpulse.ai/c/rbi-2011-12-175/",
   "products": [],
   "summary": "RBI has enhanced the annual limit for gifting securities (shares, convertible debentures) to NRI/PIO close relatives from USD 25,000 per calendar year to USD 50,000 per financial year. Prior RBI approval is still required for all such gifts, but the higher threshold applies to the value of securitie",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6707&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/173",
   "title": "NRI Joint Holders in Resident Savings Accounts Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-173/",
   "products": [],
   "summary": "Resident individuals can now add non-resident close relatives as joint holders in their savings bank accounts on a 'former or survivor' basis, but the NRI cannot operate the account during the resident's lifetime.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6705&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/172",
   "title": "NBFCs must update UN terror list for account screening",
   "url": "https://bankpulse.ai/c/rbi-2011-12-172/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update the consolidated UN list of individuals/entities linked to Al-Qaida and Taliban. Before opening new accounts and while reviewing existing ones, firms must ensure no customer is on this list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6704&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/171",
   "title": "RBI Withdraws Old Sick SME Rehabilitation Norms",
   "url": "https://bankpulse.ai/c/rbi-2011-12-171/",
   "products": [],
   "summary": "RBI has withdrawn the 2002 relief and concession norms for rehabilitating sick SME units. Banks must now use their own Board-approved restructuring policies, allowing below-Base Rate lending with recompense clauses for viability.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6703&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/170",
   "title": "Base Rate exemption for NSTFDC/NHFDC subsidised loans",
   "url": "https://bankpulse.ai/c/rbi-2011-12-170/",
   "products": [],
   "summary": "RBI allows banks to lend below Base Rate for NSTFDC and NHFDC schemes, but only to the extent refinance is available. The portion not covered by refinance must be priced at or above Base Rate. This is not a violation of Base Rate guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6702&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/168",
   "title": "Rupee Value of Special Currency Basket Revised to Rs. 66.9682",
   "url": "https://bankpulse.ai/c/rbi-2011-12-168/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs. 66.9682, effective August 23, 2011. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6700&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/167",
   "title": "RRBs must replace 'SSI' with 'Micro and Small Enterprises' in all documents",
   "url": "https://bankpulse.ai/c/rbi-2011-12-167/",
   "products": [],
   "summary": "RBI directs all Regional Rural Banks to substitute the term 'Small Scale Industries' with 'Micro and Small Enterprises' in internal guidelines and documents, aligning with government notifications from 2006 and 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6699&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/166",
   "title": "RBI introduces RTGS service charges from Oct 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-166/",
   "products": [],
   "summary": "RBI will levy service charges on RTGS outward transactions from October 1, 2011, to recover operational costs and improve efficiency. Charges include membership fees, transaction fees, and time-varying tariffs. Inward transactions remain free. Members can pass on time-varying tariffs to customers wi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6698&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/165",
   "title": "RBI Mandates Credit Info Sharing for Suit-Filed Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-165/",
   "products": [],
   "summary": "RBI now requires banks to submit quarterly lists of suit-filed accounts of Rs 1 crore and above (doubtful/loss) and wilful defaulters of Rs 25 lakh and above to all RBI-registered Credit Information Companies (CICs) for public dissemination on their websites.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6693&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:09 IST",
   "published_at_iso": "2026-06-20T07:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/194",
   "title": "RBI mandates EMV chip & PIN for card-present transactions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-194/",
   "products": [],
   "summary": "RBI has broadly accepted a Working Group's recommendations to secure card-present transactions. Banks must implement EMV chip & PIN cards, strengthen fraud risk management, and enable PIN at POS terminals for debit card transactions by June 2013, with Aadhaar-based biometric authentication as an alt",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6726&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/193",
   "title": "Revised Access Criteria for Payment Systems (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-193/",
   "products": [],
   "summary": "RBI revised access criteria for payment systems, setting uniform rules for centralised systems (RTGS, NEFT, NECS) requiring 9% CRAR, <5% net NPAs, Rs.25 crore net worth, and regulatory nod. Decentralised systems have separate criteria. UCBs get INFINET access; RTGS only for well-managed UCBs with Rs",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6725&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/192",
   "title": "Update on UN Terror List for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-192/",
   "products": [],
   "summary": "RBI directs co-operative banks to update their UNSCR 1267 terror list with new Al-Qaida entries from September 2011, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6724&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/189",
   "title": "List of Terrorist Individuals/Organisations under UNSCR 1267 on Taliban/Al-Qaida",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-189/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their UNSCR 1267 consolidated list with three new annexes from July 29, August 12, and August 22, 2011. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6721&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/186",
   "title": "RBI Tightens AML/CFT Checks on Iran, DPRK, and 8 Other Nations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-186/",
   "products": [],
   "summary": "RBI directs Indian agents under MTSS to apply FATF counter-measures against Iran and DPRK for ML/FT risks, and to consider risks from Bolivia, Cuba, Ethiopia, Kenya, Myanmar, Sri Lanka, Syria, and Turkey due to strategic AML/CFT deficiencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6718&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/185",
   "title": "RBI Tightens AML/CFT Screening for Iran, DPRK & 8 Other Nations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-185/",
   "products": [],
   "summary": "RBI directs authorised persons to factor in AML/CFT deficiencies of Iran, DPRK, and eight other jurisdictions when onboarding or transacting. This follows FATF's June 2011 call for counter-measures. Legitimate trade with Iran remains permitted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6717&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/184",
   "title": "Residents Can Now Pay Medical Bills for NRI Relatives (2011 Circular)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-184/",
   "products": [],
   "summary": "RBI allows resident individuals to pay medical expenses of their NRI relatives visiting India, treating it as a resident-to-resident transaction under existing FEMA rules. This expands earlier permissions that only covered boarding, lodging, and travel.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6716&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/183",
   "title": "NRI Loan Repayment by Resident Close Relatives Expanded",
   "url": "https://bankpulse.ai/c/rbi-2011-12-183/",
   "products": [],
   "summary": "RBI now allows resident close relatives to repay any rupee loan taken by an NRI from an authorised dealer, not just housing loans. Earlier, only housing loan repayments were permitted. This follows a committee recommendation to ease FEMA rules for individuals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6715&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/182",
   "title": "RBI Hikes Repo Rate by 25 bps to 8.25%",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-182/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 8.25% effective immediately, with reverse repo at 7.25% and MSF at 9.25%. This tightens liquidity and raises borrowing costs for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6714&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/180",
   "title": "Resident Individuals Can Now Lend in Rupees to NRI Close Relatives",
   "url": "https://bankpulse.ai/c/rbi-2011-12-180/",
   "products": [],
   "summary": "RBI now permits resident individuals to lend interest-free rupees to NRI/PIO close relatives via crossed cheque/electronic transfer, with minimum one-year maturity, within the USD 200,000 LRS limit per financial year, for personal or business use in India, excluding prohibited activities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6713&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/179",
   "title": "Rupee Gifts to NRI Close Relatives: LRS Route Clarified",
   "url": "https://bankpulse.ai/c/rbi-2011-12-179/",
   "products": [],
   "summary": "Resident individuals can now gift rupees to NRI/PIO close relatives via crossed cheque or electronic transfer, crediting the NRO account. The gift falls under the LRS USD 200,000 per financial year limit, with the donor responsible for compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6712&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/181",
   "title": "Repo Rate Hiked to 8.25%: Standing Liquidity Facilities Priced Higher",
   "url": "https://bankpulse.ai/c/rbi-2011-12-181/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 8.25% effective September 16, 2011. Consequently, standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be available at the revised repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6711&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 07:01 IST",
   "published_at_iso": "2026-06-20T07:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/206",
   "title": "Fake Bank Guarantee Fraud Alert for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-206/",
   "products": [],
   "summary": "RBI warns NBFCs about a fraud ring using fake bank guarantees with forged signatures and mismatched formats. Beneficiaries include M/s SFT Exports and others. NBFCs must exercise due caution when handling BGs from these entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6738&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/204",
   "title": "ECB from Foreign Equity Holders: Key Clarifications",
   "url": "https://bankpulse.ai/c/rbi-2011-12-204/",
   "products": [],
   "summary": "RBI clarifies ECB liability-equity ratio replaces debt-equity ratio, includes free reserves in equity calculation, and expands approval route eligibility to service sector units, indirect equity holders, and group companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6736&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/202",
   "title": "Internet Banking for Urban Co-operative Banks: Eligibility & Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2011-12-202/",
   "products": [],
   "summary": "Scheduled UCBs with networth ≥₹100 crore, CRAR ≥10%, net NPA <5%, and three consecutive years of net profit can now offer internet banking. Board-approved policy, CISA certificate, and RBI regional office permission are mandatory before launch.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6734&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/201",
   "title": "ECB Limits Raised: Auto Route Doubled for Real Sector, Service Sector",
   "url": "https://bankpulse.ai/c/rbi-2011-12-201/",
   "products": [],
   "summary": "RBI raised ECB automatic route limits: real/infrastructure sector borrowers can now borrow up to USD 750 million per year (from USD 500 million), and service sector corporates (hotel, hospital, software) up to USD 200 million (from USD 100 million). INR-denominated ECBs from foreign equity holders a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6733&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/200",
   "title": "ECB Bridge Finance for Infrastructure Sector",
   "url": "https://bankpulse.ai/c/rbi-2011-12-200/",
   "products": [],
   "summary": "RBI now allows infrastructure companies to use short-term bridge finance (including buyers'/suppliers' credit) for importing capital goods, under approval route. This bridge finance must later be replaced with a long-term ECB that meets all standard norms. AD banks must monitor end-use and verify im",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6732&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/199",
   "title": "ECB Liberalisation for Infrastructure: 25% Refinancing of Rupee Loans Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-199/",
   "products": [],
   "summary": "RBI now allows infrastructure companies to use 25% of fresh ECB to refinance existing rupee loans from domestic banks, provided 75% goes to new infrastructure capital expenditure. This is under approval route with strict documentation and monitoring.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6731&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/198",
   "title": "UN Al-Qaida Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-198/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their records with the latest UN 1267 Committee consolidated list of Al-Qaida-linked individuals/entities, screen new and existing accounts, and follow UAPA Order procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6730&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/197",
   "title": "RRBs Must Update Terrorist Lists Under UNSCR 1267",
   "url": "https://bankpulse.ai/c/rbi-2011-12-197/",
   "products": [],
   "summary": "RBI directs all RRBs to update the consolidated list of terrorist individuals/entities linked to Al-Qaida per UNSCR 1267. Before opening new accounts, verify names against this list; also scan existing accounts for matches. Freeze assets as per earlier UAPA Order procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6729&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/196",
   "title": "RBI Updates AML/CFT Risks for NBFCs: Iran, DPRK & Others",
   "url": "https://bankpulse.ai/c/rbi-2011-12-196/",
   "products": [],
   "summary": "RBI directs NBFCs to assess AML/CFT risks from Iran, DPRK, and other flagged jurisdictions per FATF's June 2011 statement. Legitimate trade with Iran remains allowed. Firms must update due diligence for these countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6728&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/195",
   "title": "RBI Rationalizes NBFC Reporting: Key Returns Now Quarterly",
   "url": "https://bankpulse.ai/c/rbi-2011-12-195/",
   "products": [],
   "summary": "RBI has revised NBFC return formats and increased frequency of NBS-1, NBS-2, and NBS-7 from annual/half-yearly to quarterly, effective from quarter ended June 2011. NBS-5 is withdrawn. All returns must be filed online via the RBI portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6727&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:54 IST",
   "published_at_iso": "2026-06-20T06:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/221",
   "title": "RBI raises OPGSP export receipt limit to USD 3,000",
   "url": "https://bankpulse.ai/c/rbi-2011-12-221/",
   "products": [],
   "summary": "RBI has increased the per-transaction cap for export remittances via Online Payment Gateway Service Providers from USD 500 to USD 3,000, effective immediately. All other conditions from the November 2010 circular remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6762&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/220",
   "title": "Exim Bank's USD 27.5 Million Line of Credit to Senegal",
   "url": "https://bankpulse.ai/c/rbi-2011-12-220/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 27.5 million line of credit to Senegal for rural electrification. At least 75% of contract value must be sourced from India. Banks must guide exporters on GR/SDF forms and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6761&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/219",
   "title": "KCC Credit Now Counts as Direct Agri Finance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-219/",
   "products": [],
   "summary": "RBI clarifies that all credit extended under the Kisan Credit Card (KCC) scheme qualifies as direct finance to agriculture under priority sector lending, helping banks meet their agricultural lending targets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6760&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/218",
   "title": "Aadhaar Letter Now Valid for Full KYC at RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-218/",
   "products": [],
   "summary": "RBI now allows RRBs to accept the UIDAI Aadhaar letter as a full KYC document for opening accounts, removing earlier 'Small' account restrictions. Banks must still verify the customer's current address separately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6759&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/217",
   "title": "Revised Credit Rating Symbols for Basel II Capital Adequacy",
   "url": "https://bankpulse.ai/c/rbi-2011-12-217/",
   "products": [],
   "summary": "RBI mandates banks to use new rating symbols from CARE, CRISIL, FITCH India, and ICRA for risk-weighting exposures under Basel II. Long-term symbols now include agency prefix; short-term ratings shift to A1-A4 and D scale. No change in rating methodology or existing ratings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6758&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/216",
   "title": "RBI eases money changing rules for FFMCs and UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-216/",
   "products": [],
   "summary": "RBI has amended the Memorandum of Instructions for money changing activities. Urban Cooperative Banks can now apply for Authorised Dealer categories, and Full-Fledged Money Changers can offer reconversion of up to Rs 50,000 to foreign tourists against ATM receipts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6757&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/215",
   "title": "RBI Extends 2% Interest Subvention on Rupee Export Credit for FY 2011-12",
   "url": "https://bankpulse.ai/c/rbi-2011-12-215/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit from April 1, 2011 to March 31, 2012 for handicrafts, handlooms, carpet, and SME sectors. Banks must reduce lending rates by the subvention amount, with a floor rate of 7%, and pass full benefit to exporters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6756&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/214",
   "title": "LRS Form Updated for Rupee Gifts/Loans to NRI Close Relatives",
   "url": "https://bankpulse.ai/c/rbi-2011-12-214/",
   "products": [],
   "summary": "RBI revised the LRS application form to include rupee gifts/loans to NRI/PIO close relatives within the USD 200,000 annual limit. AD Category I banks must use the new form and inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6751&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/213",
   "title": "RBI Relaxes Domestic Money Transfer Rules for Financial Inclusion",
   "url": "https://bankpulse.ai/c/rbi-2011-12-213/",
   "products": [],
   "summary": "RBI has relaxed domestic money transfer rules to boost financial inclusion. Cash payouts to non-account holders rise from Rs 5,000 to Rs 10,000 per transaction (monthly cap Rs 25,000). Walk-in customers without accounts can now transfer up to Rs 5,000 per transaction (monthly cap Rs 25,000) to bank ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6750&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/212",
   "title": "Review Calendar for Foreign Banks' Boards",
   "url": "https://bankpulse.ai/c/rbi-2011-12-212/",
   "products": [],
   "summary": "RBI asks foreign banks to create their own board review calendar based on earlier instructions for Indian banks, with annual policy updates and CEO oversight of compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6744&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/210",
   "title": "UN Terror List Updates: PSOs Must Screen New & Existing Customers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-210/",
   "products": [],
   "summary": "RBI mandates all payment system operators to update their UNSCR 1267/1822 consolidated list with three new annexes from July/August 2011, screen all new customers against it, and scan existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6742&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/209",
   "title": "RBI shifts SCB accommodation pricing from Bank Rate to repo rate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-209/",
   "products": [],
   "summary": "RBI has changed the interest rate on loans to State Co-operative Banks under Section 17(4)(a) from Bank Rate to repo rate, effective September 30, 2011. This aligns short-term liquidity support with the policy repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6741&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:45 IST",
   "published_at_iso": "2026-06-20T06:45:00+05:30"
  },
  {
   "ref": "RBI/2011-12/234",
   "title": "RBI Tightens Forex Counter Locations at International Airports",
   "url": "https://bankpulse.ai/c/rbi-2011-12-234/",
   "products": [],
   "summary": "RBI mandates that forex counters in arrival halls must be after customs, or between immigration and customs (only buy forex, sell INR, issue encashment cert). Departure counters must be before customs/immigration. Non-compliant counters must relocate by Dec 31, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6780&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/233",
   "title": "Savings Bank Deposit Interest Rate Deregulated",
   "url": "https://bankpulse.ai/c/rbi-2011-12-233/",
   "products": [],
   "summary": "RBI has deregulated savings bank deposit interest rates for resident Indians effective October 25, 2011. Banks can now set their own rates, but must offer uniform interest on deposits up to Rs.1 lakh. For deposits above Rs.1 lakh, differential rates are allowed without discrimination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6779&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/232",
   "title": "Repo Rate Hiked to 8.50%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2011-12-232/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 8.50% effective October 25, 2011. Consequently, standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) will now be charged at the revised repo rate of 8.50%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6778&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/231",
   "title": "Repo Rate Hiked 25 bps to 8.50% in Oct 2011 Policy",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-231/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 8.50% effective immediately, as part of the Second Quarter Review of Monetary Policy 2011-12. The reverse repo rate automatically adjusted to 7.50% and the MSF rate to 9.50%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6777&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/230",
   "title": "SGL/CSGL Account Rules for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-230/",
   "products": [],
   "summary": "RBI reaffirms existing eligibility criteria for Primary UCBs to open SGL and CSGL accounts, forwarding copies of two notifications (No.183 dated September 5, 2011) that were notified in the Gazette of India. No new requirements are introduced; banks must continue following earlier circulars from 201",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6776&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/228",
   "title": "CDS for Corporate Bonds: Operational Date Pushed to Nov 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-228/",
   "products": [],
   "summary": "RBI has postponed the operationalisation of Credit Default Swap (CDS) guidelines for corporate bonds from October 24, 2011 to end-November 2011, citing infrastructure readiness and market clarifications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6769&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/227",
   "title": "Credit Default Swaps Notified as Derivatives under RBI Act",
   "url": "https://bankpulse.ai/c/rbi-2011-12-227/",
   "products": [],
   "summary": "RBI has officially notified Credit Default Swaps (CDS) as a derivative under Chapter IIID of the RBI Act, 1934, effective October 19, 2011, to regulate the financial system and protect public interest.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6768&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/226",
   "title": "RBI Clarifies Repatriation Rules for Returning NRIs and LRS Investments",
   "url": "https://bankpulse.ai/c/rbi-2011-12-226/",
   "products": [],
   "summary": "RBI clarifies that returning NRIs need not repatriate income or sale proceeds from assets held abroad, and LRS investors can retain and reinvest foreign income without repatriation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6767&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/225",
   "title": "FCNR(B) Accounts Now Allowed in Any Freely Convertible Currency",
   "url": "https://bankpulse.ai/c/rbi-2011-12-225/",
   "products": [],
   "summary": "RBI has liberalised FCNR(B) deposit rules: banks can now accept deposits in any freely convertible currency, not just the six previously designated currencies. This follows a committee recommendation and expands NRI deposit options.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6766&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/224",
   "title": "KCC credit classified as direct agriculture finance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-224/",
   "products": [],
   "summary": "RBI clarifies that credit extended under Kisan Credit Cards (KCC) qualifies as direct finance to agriculture under priority sector lending for RRBs, as per circular dated October 18, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6765&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/222",
   "title": "Rabobank International Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2011-12-222/",
   "products": [],
   "summary": "RBI has included Rabobank International in the Second Schedule of the RBI Act, 1934, via notification dated July 18, 2011, published in the Gazette on July 30, 2011. This grants the bank scheduled bank status.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6763&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-20T06:36:00+05:30"
  },
  {
   "ref": "RBI/2011-12/246",
   "title": "Interest Subvention on Rupee Export Credit Extended for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-246/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for specified sectors (handicrafts, handlooms, carpet, SMEs) from April 1, 2011 to March 31, 2012. UCBs must submit quarterly claims with auditor certificates to RBI's Urban Banks Department.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6796&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/245",
   "title": "CRE Loans Now Need Mortgage Disclosure in Ads",
   "url": "https://bankpulse.ai/c/rbi-2011-12-245/",
   "products": [],
   "summary": "RBI extends housing project disclosure rules to commercial real estate. Banks must now require developers to disclose property mortgage to the bank in all pamphlets, brochures, and advertisements for CRE projects, ensuring transparency for buyers and lenders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6795&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/244",
   "title": "RBI eases FII and QFI debt investment rules for infra bonds",
   "url": "https://bankpulse.ai/c/rbi-2011-12-244/",
   "products": [],
   "summary": "RBI has expanded FII investment in non-convertible debentures to include NBFC-IFCs, reduced the lock-in period to one year for the first USD 5 billion, and clarified that residual maturity refers to original maturity at first purchase. QFIs get similar treatment within their USD 3 billion mutual fun",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6794&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/243",
   "title": "RBI Revises Derivatives Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-243/",
   "products": [],
   "summary": "RBI has modified its 2007 derivatives guidelines, updating suitability policies and product definitions. Effective January 1, 2012, banks must comply with revised paragraphs on structured products and user appropriateness. Changes aim to strengthen risk management and market practices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6793&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/242",
   "title": "RBI scraps 1:1 metro-non-metro branch ratio for money changers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-242/",
   "products": [],
   "summary": "RBI has removed the mandatory 1:1 ratio between metro and non-metro branches for Authorised Money Changers (AMCs), giving them more flexibility to open offices in metropolitan cities without needing a corresponding non-metro branch.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6792&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/241",
   "title": "Export Proceeds Realisation Period Extended Till Sep 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-241/",
   "products": [],
   "summary": "RBI extends the 12-month export proceeds realisation period for goods/software from Oct 1, 2011 to Sep 30, 2012. SEZ and warehouse export rules unchanged. Banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6791&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/240",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.69.09329",
   "url": "https://bankpulse.ai/c/rbi-2011-12-240/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.69.09329 effective September 20, 2011. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6790&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/239",
   "title": "IPCs for Capital Market: Guidelines Extended Till Dec 31, 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-239/",
   "products": [],
   "summary": "RBI extended the existing risk mitigation measures for banks issuing Irrevocable Payment Commitments (IPCs) to stock exchanges on behalf of Mutual Funds and FIIs by two months, until December 31, 2011.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6785&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/238",
   "title": "UCB Housing Loan Limits & Repayment Period Revised",
   "url": "https://bankpulse.ai/c/rbi-2011-12-238/",
   "products": [],
   "summary": "RBI raised individual housing loan limits for UCBs: Tier-I to ₹30 lakh and Tier-II to ₹70 lakh. Repayment period extended from 15 to 20 years. Effective from October 31, 2011, per Monetary Policy review.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6784&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/237",
   "title": "RBI asks NBFCs to adopt green practices, phase out cheques",
   "url": "https://bankpulse.ai/c/rbi-2011-12-237/",
   "products": [],
   "summary": "RBI directs NBFCs to support the Government's Green Initiative by increasing electronic payments, eliminating post-dated cheques, and phasing out cheques for cost-effective, faster settlements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6783&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/235",
   "title": "NBFCs Must Update UN Terrorist List for KYC Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-235/",
   "products": [],
   "summary": "RBI directs all NBFCs and RNBCs to update their records with the latest UN 1267 Committee consolidated list of Al-Qaida/Taliban-linked individuals and entities, screen new accounts against it, and review existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6782&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/236",
   "title": "NBFCs: New Single XML Format for FIU-IND Reporting",
   "url": "https://bankpulse.ai/c/rbi-2011-12-236/",
   "products": [],
   "summary": "RBI replaces multiple data file reporting for cash/suspicious transactions with a single XML format. NBFCs must adopt the new format, with transition date to be announced. Urgent capacity building is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6781&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:28 IST",
   "published_at_iso": "2026-06-20T06:28:00+05:30"
  },
  {
   "ref": "RBI/2011-12/262",
   "title": "RBI Warns Banks on Online Forex Trading Portals",
   "url": "https://bankpulse.ai/c/rbi-2011-12-262/",
   "products": [],
   "summary": "RBI reiterates that AD Category-I banks must be extra vigilant against margin payments for online forex trading via credit cards or accounts. Such transactions violate FEMA, 1999, and expose banks to KYC/AML risks. Banks should warn customers and card issuers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6819&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/260",
   "title": "RRBs must reduce cheque validity from 6 to 3 months",
   "url": "https://bankpulse.ai/c/rbi-2011-12-260/",
   "products": [],
   "summary": "From April 1, 2012, RRBs cannot pay cheques, drafts, pay orders, or banker's cheques presented after 3 months from the date of issue, down from the earlier 6-month practice. This RBI directive under Section 35A of the Banking Regulation Act, 1949 aims to curb misuse of instruments circulating like c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6818&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/259",
   "title": "FDI Reporting for Participating Interest in Oil Fields",
   "url": "https://bankpulse.ai/c/rbi-2011-12-259/",
   "products": [],
   "summary": "RBI now treats issue/transfer of 'participating interest/rights' in oil fields to non-residents as FDI. Banks must report these transactions via Form FC-TRS (transfer) or FC-GPR (issuance) under 'other' category, within existing timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6815&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/256",
   "title": "RRBs: No Crediting Account Payee Cheques to Third Parties",
   "url": "https://bankpulse.ai/c/rbi-2011-12-256/",
   "products": [],
   "summary": "RBI reiterates that RRBs must not credit account payee cheques to anyone other than the named payee. A limited relaxation for cooperative credit societies (cheques up to Rs 50,000) continues. These rules also apply to drafts, pay orders, and bankers' cheques.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6810&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/254",
   "title": "UCBs: New XML Reporting Format for PMLA Reports to FIU-India",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-254/",
   "products": [],
   "summary": "RBI directs Urban Co-operative Banks to adopt a new single XML file format for filing CTR, STR, CCR, and NTR reports to FIU-India under PMLA, replacing the earlier multiple data files format. Banks must build capacity to generate XML-compliant reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6809&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/255",
   "title": "1% Interest Subvention on Housing Loans Extended to March 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-255/",
   "products": [],
   "summary": "RBI extends the 1% interest subvention scheme on housing loans up to Rs. 10 lakh until March 31, 2012. Loans sanctioned between Oct 2009 and Mar 2011 follow old rules. Banks can continue claiming under the original scheme; revised instructions for new claims will follow.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6808&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/253",
   "title": "Aadhaar Letter Now Valid KYC Document for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-253/",
   "products": [],
   "summary": "RBI now allows Primary Urban Co-operative Banks to accept the UIDAI letter containing name, address, and Aadhaar number as an officially valid document under PML Rules for customer identification, but banks must still independently verify the customer's current address.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6807&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/251",
   "title": "Cheque validity reduced from 6 to 3 months from April 1, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-251/",
   "products": [],
   "summary": "RBI has directed all scheduled commercial banks (excluding RRBs) and local area banks to stop honouring cheques, drafts, pay orders, and banker's cheques presented after three months from the date of issue, effective April 1, 2012. This replaces the earlier six-month validity period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6805&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/250",
   "title": "Mandatory Account Payee Crossing for Demand Drafts of Rs 20,000 and Above",
   "url": "https://bankpulse.ai/c/rbi-2011-12-250/",
   "products": [],
   "summary": "RBI mandates that all demand drafts of Rs 20,000 and above must be issued with account payee crossing to curb misuse for cash-like transfers. This ensures such instruments are credited only to the payee's bank account, not encashed over the counter.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6802&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/249",
   "title": "RBI cracks down on banks denying passbooks to savings account holders",
   "url": "https://bankpulse.ai/c/rbi-2011-12-249/",
   "products": [],
   "summary": "RBI has warned banks against denying passbooks to individual savings account holders who want them. Banks must offer passbook facility or, if the customer opts for a statement, provide monthly statements—all free of charge. Non-compliance will attract regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6799&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/248",
   "title": "RBI Clarifies Repayment Rules for Joint Fixed Deposits",
   "url": "https://bankpulse.ai/c/rbi-2011-12-248/",
   "products": [],
   "summary": "RBI has clarified that banks must honor 'Either or Survivor' or 'Former or Survivor' mandates for joint fixed deposits on maturity, without requiring both depositors' signatures, to avoid delays and poor customer service.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6798&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/247",
   "title": "FDI Share Transfers: RBI Liberalizes Prior Approval Norms",
   "url": "https://bankpulse.ai/c/rbi-2011-12-247/",
   "products": [],
   "summary": "RBI has eased prior approval requirements for certain FDI share transfers. Transfers from non-resident to resident not meeting FEMA pricing guidelines, and resident to non-resident transfers needing FIPB approval or involving SEBI SAST, can now proceed without RBI nod, subject to compliance conditio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6797&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-20T06:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/275",
   "title": "RBI Hikes NRE and FCNR(B) Deposit Rate Ceilings",
   "url": "https://bankpulse.ai/c/rbi-2011-12-275/",
   "products": [],
   "summary": "RBI raised NRE term deposit rate ceiling to LIBOR/SWAP + 275 bps (from +175 bps) and FCNR(B) ceiling to LIBOR/SWAP + 125 bps (from +100 bps), effective November 23, 2011. This aims to attract more non-resident deposits amid market conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6838&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/274",
   "title": "ECB Proceeds for Rupee Expenditure Must Be Repatriated Immediately",
   "url": "https://bankpulse.ai/c/rbi-2011-12-274/",
   "products": [],
   "summary": "RBI now mandates that ECB proceeds raised for rupee expenditure in India must be brought back immediately and credited to rupee accounts with AD Category I banks. Only funds meant for foreign currency outlays can stay parked overseas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6837&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/272",
   "title": "Savings Bank Deposit Rate Deregulation for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-272/",
   "products": [],
   "summary": "RBI deregulated savings bank deposit interest rates for Regional Rural Banks effective October 25, 2011. Banks can now set their own rates on resident savings deposits, with uniform rates on balances up to ₹1 lakh and optional differential rates above that threshold.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6835&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/271",
   "title": "RBI Allows Foreign Investment in Infrastructure Debt Funds",
   "url": "https://bankpulse.ai/c/rbi-2011-12-271/",
   "products": [],
   "summary": "RBI now permits eligible non-resident investors—including sovereign wealth funds, multilateral agencies, pension funds, insurance funds, endowment funds, FIIs, NRIs, and HNIs—to invest in rupee and foreign currency bonds/units of Infrastructure Debt Funds (IDFs) set up as NBFCs or mutual funds, with",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6833&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/270",
   "title": "RBI cuts cheque validity from 6 to 3 months for co-op banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-270/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to reduce cheque/draft validity from six to three months from April 1, 2012, citing misuse of instruments circulating like cash. Banks must print/stamp new validity on instruments issued on or after that date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6832&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/269",
   "title": "Banks as Sponsors to Infrastructure Debt Funds (IDFs)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-269/",
   "products": [],
   "summary": "RBI allows scheduled commercial banks to sponsor Infrastructure Debt Funds (IDFs) as Mutual Funds or NBFCs, with prior approval. Key conditions include equity caps, exposure limits, and board-approved policies. This aims to boost long-term infrastructure financing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6831&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/268",
   "title": "RBI Guidelines for Infrastructure Debt Funds (IDFs) by NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-268/",
   "products": [],
   "summary": "RBI issued detailed guidelines for NBFCs to sponsor Infrastructure Debt Funds (IDFs) as Mutual Funds or NBFCs. Only IFCs can sponsor IDF-NBFCs. Key eligibility: minimum NOF of Rs. 300 crore, CRAR of 15%, net NPAs below 3%, 5 years of existence, and profits for the last three years.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6830&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/267",
   "title": "Mid-Sea Trans-shipment Rules for Deep Sea Fishing Vessels",
   "url": "https://bankpulse.ai/c/rbi-2011-12-267/",
   "products": [],
   "summary": "RBI has simplified export declaration for deep sea fishing vessels trans-shipping catch mid-sea. Indian-owned vessels with Ministry of Agriculture LOP can now use a special GR procedure, replacing older 1993 rules. AD Category-I banks must update customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6825&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/265",
   "title": "Direct NDS-OM Access for UCBs and NBFC-ND-SIs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-265/",
   "products": [],
   "summary": "RBI now allows licensed Urban Co-operative Banks and systemically important NBFCs (non-deposit taking) to directly access NDS-OM for government securities trading, subject to financial criteria and a No-Objection Certificate from their regulatory department.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6823&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/264",
   "title": "Set-off of export receivables against import payables: Delegation to AD banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-264/",
   "products": [],
   "summary": "RBI has delegated to AD Category-I banks the power to approve set-off of export receivables against import payables, subject to conditions like same buyer-supplier, outstanding import payment, and compliance with FEMA and FTP.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6822&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/263",
   "title": "NEFT Access Options for Regional Rural Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-263/",
   "products": [],
   "summary": "RRBs can now choose between direct NEFT membership if they meet the access criteria or continue via a sponsor bank as per earlier guidelines. This flexibility addresses queries on applicability of payment system norms to RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6821&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/261",
   "title": "UCBs: Repayment Rules for Joint Fixed/Term Deposits",
   "url": "https://bankpulse.ai/c/rbi-2011-12-261/",
   "products": [],
   "summary": "RBI clarifies that for joint fixed/term deposits with 'Either or Survivor' mandate, banks must not insist on both depositors' signatures for maturity payment. Premature withdrawals still require both signatures unless a specific joint mandate allows otherwise.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6820&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:14 IST",
   "published_at_iso": "2026-06-20T06:14:00+05:30"
  },
  {
   "ref": "RBI/2011-12/300",
   "title": "RBI Tightens Forex Derivative Rules for Banks and Clients",
   "url": "https://bankpulse.ai/c/rbi-2011-12-300/",
   "products": [],
   "summary": "RBI has withdrawn the facility to rebook cancelled forward contracts for residents, reduced the past performance hedging limit for importers to 25%, and mandated all such contracts be fully deliverable. FIIs can no longer rebook cancelled forwards. Banks' NOOPL is reduced across the board.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6872&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/286",
   "title": "CDS Trade Reporting Mandate via CCIL CORE from Dec 1",
   "url": "https://bankpulse.ai/c/rbi-2011-12-286/",
   "products": [],
   "summary": "From December 1, 2011, all market makers must report credit default swap trades in corporate bonds to CCIL's CORE platform within 30 minutes of the deal. This replaces the earlier general reporting requirement with a specific repository.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6853&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/285",
   "title": "RBI Prudential Guidelines on Credit Default Swaps (2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-285/",
   "products": [],
   "summary": "RBI issued prudential norms for banks on Credit Default Swaps (CDS) for corporate bonds, covering capital adequacy, exposure limits, and provisioning. Banks can act as market-makers or users, with CDS classified into Trading or Banking Book based on hedging intent. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6852&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/284",
   "title": "RBI Pushes Aadhaar Bank Accounts for Benefit Transfers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-284/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to open Aadhaar Enabled Bank Accounts (AEBA) for all beneficiaries, including those in villages with under 2,000 population, to speed up electronic benefit transfers for MGNREGA wages, social security, and subsidies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6851&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/283",
   "title": "RBI eases branch opening norms for Tier 2 centres (as per Census 2001)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-283/",
   "products": [],
   "summary": "RBI now allows scheduled commercial banks (excluding RRBs) to open branches in Tier 2 centres (population 50,000 to 99,999 as per Census 2001) without prior approval, subject to reporting. This extends earlier general permission for Tier 3-6 centres, aiming to boost banking penetration in semi-urban",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6850&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/282",
   "title": "SCSS 2004: Notary Public Now Allowed for Affidavit Verification",
   "url": "https://bankpulse.ai/c/rbi-2011-12-282/",
   "products": [],
   "summary": "RBI has notified that affidavits under the Senior Citizens Savings Scheme, 2004 can now be verified by a Notary Public in addition to an Oath Commissioner. Banks must update their branches and display this change for subscribers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6845&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/281",
   "title": "Savings Bank Deposit Rate Deregulation for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-281/",
   "products": [],
   "summary": "RBI has deregulated savings bank deposit interest rates for urban co-operative banks with immediate effect. Banks can set their own rates, but must offer uniform interest on deposits up to ₹1 lakh. Differential rates are allowed for deposits above ₹1 lakh, without discrimination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6844&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/280",
   "title": "FCNR(B) Deposit Rate Ceiling Raised for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-280/",
   "products": [],
   "summary": "RBI raised the FCNR(B) deposit interest rate ceiling for AD Category-I UCBs from LIBOR/SWAP plus 100 bps to plus 125 bps, effective November 23, 2011. Floating rate deposits also capped at SWAP plus 125 bps with a six-month reset period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6843&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/279",
   "title": "RBI Hikes NRE Deposit Rate Cap for UCBs to LIBOR+275 bps",
   "url": "https://bankpulse.ai/c/rbi-2011-12-279/",
   "products": [],
   "summary": "RBI has raised the maximum interest rate on fresh NRE term deposits for Urban Co-operative Banks from LIBOR/SWAP plus 175 bps to plus 275 bps, effective November 23, 2011. This applies to 1-3 year maturities and renewals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6842&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/278",
   "title": "RBI Hikes NRE Deposit Rate Cap for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-278/",
   "products": [],
   "summary": "RBI raised the maximum interest rate on NRE term deposits (1-3 year maturity) for StCBs and DCCBs from LIBOR/SWAP plus 175 bps to plus 275 bps, effective November 23, 2011, to align with market conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6841&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/277",
   "title": "RRBs: NRE & FCNR(B) Deposit Rate Ceilings Revised Upward",
   "url": "https://bankpulse.ai/c/rbi-2011-12-277/",
   "products": [],
   "summary": "RBI raised NRE term deposit rate ceiling to LIBOR/SWAP + 275 bps (from +175 bps) and FCNR(B) ceiling to LIBOR/SWAP + 125 bps (from +100 bps), effective November 23, 2011. This applies to fresh deposits and renewals for RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6840&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/276",
   "title": "Account Payee Cheques: No Third-Party Credit for StCBs/DCCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-276/",
   "products": [],
   "summary": "RBI reiterates that account payee cheques must not be credited to any third-party account. A limited relaxation for co-operative credit societies (cheques up to ₹50,000) continues, but strict adherence to the prohibition is mandatory for all banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6839&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:04 IST",
   "published_at_iso": "2026-06-20T06:04:00+05:30"
  },
  {
   "ref": "RBI/2011-12/305",
   "title": "RBI mandates bank-wide ML/TF risk assessment",
   "url": "https://bankpulse.ai/c/rbi-2011-12-305/",
   "products": [],
   "summary": "RBI now requires banks to formally assess and document money laundering and terror financing risks across customers, geographies, products, and delivery channels, with board-approved policies to manage these risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6877&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/304",
   "title": "ECB Norms Eased for MFIs and NGOs Under Automatic Route",
   "url": "https://bankpulse.ai/c/rbi-2011-12-304/",
   "products": [],
   "summary": "RBI now permits MFIs to raise ECB up to USD 10 million per financial year under the Automatic Route, and NGOs engaged in microfinance to raise ECB up to USD 10 million per financial year (increased from USD 5 million), with specific eligibility and lender conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6876&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/302",
   "title": "RBI Circular on Mortgage Guarantee Companies – Dec 2011",
   "url": "https://bankpulse.ai/c/rbi-2011-12-302/",
   "products": [],
   "summary": "RBI issued a circular on December 16, 2011, amending the Mortgage Guarantee Company Guidelines 2008 to reduce the maximum LTV ratio for mortgage guarantees on housing loans above Rs. 20 lakh from 90% to 80%, while maintaining a 90% cap for loans up to Rs. 20 lakh.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6874&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/301",
   "title": "Punjab National Bank gets lead bank role for two new Punjab districts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-301/",
   "products": [],
   "summary": "RBI assigns Punjab National Bank as lead bank for newly formed Pathankot and Fazilka districts in Punjab, effective July 27, 2011. Existing lead bank arrangements for Gurdaspur (PNB) and Ferozepur (Oriental Bank of Commerce) remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6873&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/299",
   "title": "RBI Notifies Commission Changes for PPF, SCSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2011-12-299/",
   "products": [],
   "summary": "RBI has communicated a Government notification revising agent commission for small savings schemes. Commission on PPF (1%) and SCSS (0.5%) is discontinued from Dec 1, 2011. New rates for SAS and MPKBY agents are set, with state incentives to be deducted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6871&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/298",
   "title": "FEMA Compounding Powers Delegated to RBI Regional Offices",
   "url": "https://bankpulse.ai/c/rbi-2011-12-298/",
   "products": [],
   "summary": "RBI has delegated powers to compound certain FEMA contraventions (delays in reporting inward remittances, FC-GPR filing, and share issuance) to specified Regional Offices, with fee of Rs. 5,000. This aims to ease compliance for AD banks and their customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6870&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/297",
   "title": "RBI Tightens Rules on Bank Investments in Non-Financial Firms",
   "url": "https://bankpulse.ai/c/rbi-2011-12-297/",
   "products": [],
   "summary": "RBI now requires banks to follow prudential guidelines for investments in non-financial services companies, closing a regulatory gap. Prior approval is needed for setting up subsidiaries and equity investments in financial services companies (with some exemptions), but non-financial ones must avoid ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6869&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/296",
   "title": "FDI in Pharma: Greenfield Automatic, Brownfield Needs Govt Nod",
   "url": "https://bankpulse.ai/c/rbi-2011-12-296/",
   "products": [],
   "summary": "RBI has revised FDI rules for pharmaceuticals: 100% automatic route for greenfield investments continues, but brownfield investments (existing companies) now require government approval. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6868&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/295",
   "title": "FDI via Conversion of Import Payables: Timeline Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-295/",
   "products": [],
   "summary": "RBI has eased the timeline for converting import payables for capital goods into FDI under the Government route. Earlier, the conversion itself had to be completed within 180 days; now, only the application needs to be submitted within that period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6867&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/294",
   "title": "Compensation for delayed bond payments at bank's own savings rate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-294/",
   "products": [],
   "summary": "Banks must now compensate Relief/Savings Bond investors for delayed interest or principal payments using their own savings deposit rate, not a uniform rate, following savings rate deregulation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6866&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/291",
   "title": "PPF Scheme 1968: Deposit Limit Raised to ₹1 Lakh, Loan Interest Rate Increased to 2%, Subscription Interest Set at 8.6%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-291/",
   "products": [],
   "summary": "RBI notifies banks of Government amendments to PPF Scheme, 1968 effective Dec 1, 2011: annual deposit limit increased from ₹70,000 to ₹1,00,000, loan interest rate raised from 1% to 2% per annum, and subscription/balance interest rate set at 8.6% per annum.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6858&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/290",
   "title": "RBI Creates New NBFC-MFI Category with Specific Norms",
   "url": "https://bankpulse.ai/c/rbi-2011-12-290/",
   "products": [],
   "summary": "RBI has introduced a new NBFC category—NBFC-MFI—with a minimum net owned fund of Rs 5 crore (Rs 2 crore for North Eastern Region) and a requirement that 85% of net assets (total assets excluding cash, bank balances, and money market instruments) be qualifying assets, targeting low-income households ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6857&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-20T06:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/317",
   "title": "NBFCs Allowed as CDS Users Only",
   "url": "https://bankpulse.ai/c/rbi-2011-12-317/",
   "products": [],
   "summary": "RBI permits NBFCs to buy credit protection via CDS solely to hedge credit risk on corporate bonds they hold. Selling protection or taking short positions is banned. Exiting positions is allowed via unwinding or assignment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6893&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/316",
   "title": "Revised Capital Adequacy Framework for NBFC Off-Balance Sheet Items",
   "url": "https://bankpulse.ai/c/rbi-2011-12-316/",
   "products": [],
   "summary": "RBI expands off-balance sheet risk weight framework for NBFCs from 6 items to a granular two-step process using credit conversion factors and risk weights. Effective for existing contracts from the financial year beginning April 01, 2012, and for new contracts including CDS from December 26, 2011. N",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6892&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/315",
   "title": "Savings Bank Deposit Interest Rate Deregulation for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-315/",
   "products": [],
   "summary": "RBI deregulated savings bank deposit interest rates for co-operative banks effective October 25, 2011. Banks can set their own rates but must offer uniform interest on deposits up to Rs.1 lakh. For deposits above Rs.1 lakh, differential rates are allowed without discrimination on similar deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6891&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/314",
   "title": "Aadhaar Letter Accepted as Valid KYC Document for NBFCs (Circular dated December 26, 2011)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-314/",
   "products": [],
   "summary": "RBI, via circular dated December 26, 2011, allowed NBFCs to accept the UIDAI letter containing name, address, and Aadhaar number as an officially valid document for opening accounts, per PMLA rules. NBFCs must still verify the customer's current address separately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6890&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/313",
   "title": "KYC/AML Norms Eased for Foreign Tourists at Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-313/",
   "products": [],
   "summary": "RBI has relaxed KYC norms for money changers dealing with foreign tourists. Now, a passport copy alone suffices as both identity and address proof, plus a visa copy stamped by Indian immigration must be kept on record.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6889&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2010-11/511",
   "title": "RBI Removes Daily Cap on Mobile Banking Transactions",
   "url": "https://bankpulse.ai/c/rbi-2010-11-511/",
   "products": [],
   "summary": "RBI has removed the Rs. 50,000 per customer per day transaction limit for mobile banking, effective December 22, 2011. Banks can now set their own per transaction limits based on risk assessment with board approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6888&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/311",
   "title": "IRB Approach for Credit Risk Capital Charge",
   "url": "https://bankpulse.ai/c/rbi-2011-12-311/",
   "products": [],
   "summary": "RBI released final guidelines for banks to adopt Internal Rating Based (IRB) approaches for credit risk capital charge from April 1, 2012. Banks must submit a letter of intent and board approval between April and June 2012, followed by RBI scrutiny and parallel run before final approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6887&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/310",
   "title": "SBI Commercial & International Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2011-12-310/",
   "products": [],
   "summary": "RBI excluded State Bank of India Commercial and International Bank Limited from the Second Schedule of the RBI Act, 1934, effective July 29, 2011, as it ceased banking operations. This removes its scheduled bank status.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6886&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/309",
   "title": "RRBs Must Assess and Monitor ML/TF Risks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-309/",
   "products": [],
   "summary": "RBI mandates RRBs to identify and assess money laundering and terror financing risks for customers, geographies, and products. Boards must approve policies to manage these risks, with enhanced measures for medium or high-risk categories. IBA guidance can support implementation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6885&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/308",
   "title": "MSF Expanded: Borrow Against SLR Below Statutory Minimum",
   "url": "https://bankpulse.ai/c/rbi-2011-12-308/",
   "products": [],
   "summary": "RBI now lets banks borrow overnight under MSF against excess SLR holdings and also dip up to 1% of NDTL below the statutory SLR floor without needing a waiver for the shortfall.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6884&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/307",
   "title": "RRBs Get Freedom to Set NRE/NRO Deposit Rates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-307/",
   "products": [],
   "summary": "RBI has deregulated interest rates on NRE and NRO deposits for RRBs, allowing them to set their own rates on savings and term deposits (1 year+) effective immediately, provided these rates do not exceed comparable domestic rupee deposit rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6883&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/306",
   "title": "Dairy sector loans now count as indirect agri finance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-306/",
   "products": [],
   "summary": "RBI has clarified that bank credit for all dairy development activities—including procurement, storage, processing, and transportation—qualifies as indirect finance to agriculture under priority sector lending, provided the ultimate beneficiaries are dairy farmers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6882&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:49 IST",
   "published_at_iso": "2026-06-20T05:49:00+05:30"
  },
  {
   "ref": "RBI/2011-12/331",
   "title": "RBI Releases Draft Basel III Capital Rules for Indian Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-331/",
   "products": [],
   "summary": "RBI issued draft Basel III capital regulations on Dec 30, 2011, aiming to strengthen bank resilience. The rules apply to all scheduled commercial banks (excluding LABs and RRBs) at consolidated and standalone levels. Comments were due by Feb 15, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6910&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/328",
   "title": "UAPA 1967: UN Splits Al-Qaida & Taliban Sanctions Lists",
   "url": "https://bankpulse.ai/c/rbi-2011-12-328/",
   "products": [],
   "summary": "Banks must now screen customers against two separate UN sanctions lists—Al-Qaida and Taliban—instead of one combined list. This follows UN Resolutions 1988 and 1989. All existing and new accounts must be checked against both lists to comply with Section 51A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6909&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/327",
   "title": "KYC/AML/CFT Risk Assessment for Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-327/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to identify and assess ML/TF risk across customers, geographies, products, and channels, and adopt board-approved policies for risk-based mitigation. Enhanced due diligence is required for medium/high-risk accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6908&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/326",
   "title": "INR-Denominated ECB Hedging for Non-Residents",
   "url": "https://bankpulse.ai/c/rbi-2011-12-326/",
   "products": [],
   "summary": "RBI now allows non-residents to hedge currency risk on INR-denominated ECBs with AD Category-I banks using forwards, options, or swaps, subject to underlying exposure documentation and no rebooking after cancellation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6907&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/325",
   "title": "RBI Deregulates NRE/NRO Deposit Rates for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-325/",
   "products": [],
   "summary": "RBI has freed StCBs and DCCBs to set their own interest rates on NRE savings and term deposits (1 year+) and NRO savings deposits, effective immediately. Rates cannot exceed comparable domestic rupee deposit rates. Board/ALCO approval is required, and uniform rates must apply across all branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6906&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/324",
   "title": "RBI Extends G-Sec Short Sale Tenure to Three Months",
   "url": "https://bankpulse.ai/c/rbi-2011-12-324/",
   "products": [],
   "summary": "RBI has extended the maximum period for maintaining short positions in government securities from 5 days to 3 months, effective February 1, 2012. Participants must tag short sales on NDS-OM, cover positions via outright purchase, WI market, or primary auction, and submit monthly compliance reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6905&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/323",
   "title": "RBI Deregulates NRE/NRO Deposit Interest Rates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-323/",
   "products": [],
   "summary": "RBI has freed urban co-operative banks to set their own interest rates on NRE savings and term deposits (1 year+) and NRO savings deposits, effective immediately. Rates cannot exceed comparable domestic rupee deposits. Board/ALCO approval is required, and uniform rates must apply across all branches",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6904&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/322",
   "title": "RBI Extends IPC Risk Norms for Custodian Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-322/",
   "products": [],
   "summary": "RBI has extended the existing risk mitigation measures for Irrevocable Payment Commitments (IPCs) issued by custodian banks to stock exchanges on behalf of Mutual Funds and FIIs, until further review. The rules cover inalienable rights over securities, 50% risk reckoning, and capital treatment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6903&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/321",
   "title": "RBI Tightens Risk Weights on Bank Investments in Exempted Financial Entities",
   "url": "https://bankpulse.ai/c/rbi-2011-12-321/",
   "products": [],
   "summary": "RBI has removed the 100% risk weight exemption for bank investments in paid-up equity of financial entities previously exempt from capital market exposure. From January 1, 2012, these investments will attract a 125% risk weight or higher based on external ratings, aligning them with standard CME nor",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6902&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/320",
   "title": "CTS-2010 Cheque Standards: Final Migration Deadline",
   "url": "https://bankpulse.ai/c/rbi-2011-12-320/",
   "products": [],
   "summary": "RBI mandates all banks to issue only CTS-2010 standard cheques by April 1, 2012 for northern and southern grids, and nationwide by September 30, 2012, to enhance security and enable image-based clearing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6901&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/319",
   "title": "Exim Bank's USD 168 mn Line of Credit to Congo for Hydro Project",
   "url": "https://bankpulse.ai/c/rbi-2011-12-319/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 168 million Line of Credit to the Government of Democratic Republic of Congo for the Ketende Hydro-electric Project, effective October 20, 2011, with specific export, disbursement, and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6900&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/318",
   "title": "Exim Bank's $40 mn Line of Credit to Maldives for Housing",
   "url": "https://bankpulse.ai/c/rbi-2011-12-318/",
   "products": [],
   "summary": "RBI notified a $40 million Exim Bank line of credit to Maldives for 500 housing units. At least 75% of contract value must be sourced from India. AD banks must inform exporters and handle related LCs and remittances per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6899&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:39 IST",
   "published_at_iso": "2026-06-20T05:39:00+05:30"
  },
  {
   "ref": "RBI/2011-12/341",
   "title": "RBI cracks down on NEFT positive confirmation failures",
   "url": "https://bankpulse.ai/c/rbi-2011-12-341/",
   "products": [],
   "summary": "RBI has flagged that many banks still fail to send positive confirmations to NEFT originators, with some sending confirmations for less than 10% of inward messages. Banks must fix this immediately and submit a plan within 15 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6926&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/340",
   "title": "RBI Raises ECB Automatic Route Limit to USD 750 Million",
   "url": "https://bankpulse.ai/c/rbi-2011-12-340/",
   "products": [],
   "summary": "RBI increased the ECB automatic route borrowing limit to USD 750 million per borrower per year, with revised maturity norms: up to USD 20 million requires 3-year average maturity, and above that up to USD 750 million requires 5-year average maturity. Earlier separate rules for additional USD 250 mil",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6925&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/339",
   "title": "RRBs must update UN Al-Qaida sanctions list for new accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-339/",
   "products": [],
   "summary": "RBI directs RRBs to update the UN Al-Qaida sanctions list using six new notes from the UN Security Council. Before opening any account, verify the customer's name against this list. Also, scan all existing accounts for matches and follow the UAPA freezing procedures from earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6924&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/338",
   "title": "UAPA Compliance: UN Splits Al-Qaida & Taliban Sanctions Lists",
   "url": "https://bankpulse.ai/c/rbi-2011-12-338/",
   "products": [],
   "summary": "UN Security Council split the consolidated sanctions list into separate Al-Qaida and Taliban lists. Co-operative banks must screen new and existing accounts against both updated lists under Section 51A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6923&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/337",
   "title": "Mandatory Acknowledgment of MSME Loan Applications",
   "url": "https://bankpulse.ai/c/rbi-2011-12-337/",
   "products": [],
   "summary": "RBI mandates all scheduled commercial banks (excluding RRBs) to issue a dated acknowledgment with a running serial number for every MSME loan application, whether submitted manually or online, effective from January 4, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6922&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/336",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-336/",
   "products": [],
   "summary": "RBI directs banks to update their records with the latest UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities as per UAPA 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6921&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/335",
   "title": "NDS-OM Membership for UCBs: Eligibility and Process",
   "url": "https://bankpulse.ai/c/rbi-2011-12-335/",
   "products": [],
   "summary": "RBI now allows well-managed, financially sound UCBs with minimum networth of Rs. 25 crore to directly access NDS-OM for government securities trading. Eligible UCBs must first obtain a no-objection certificate from the Urban Banks Department before applying to IDMD.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6920&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/334",
   "title": "RRBs: UN Sanctions List Split for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-334/",
   "products": [],
   "summary": "RBI directs RRBs to use two separate UN sanctions lists (Al-Qaida and Taliban) for UAPA Section 51A compliance. All new and existing accounts must be screened against both lists.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6915&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/333",
   "title": "NBFC Capital Adequacy: CDS Hedging Rules Clarified",
   "url": "https://bankpulse.ai/c/rbi-2011-12-333/",
   "products": [],
   "summary": "RBI clarifies capital treatment for NBFCs hedging corporate bonds with CDS. For current-category bonds, 80% credit protection is recognised; 20% capital charge remains. Permanent-category bonds get full substitution with protection seller's risk weight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6914&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/332",
   "title": "RBI Cracks Down on NBFCs Issuing Ultra-Short NCDs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-332/",
   "products": [],
   "summary": "RBI has flagged that some NBFCs are violating the 2010 NCD Directions by privately placing NCDs with maturity under 90 days. All NBFCs must ensure NCDs with original maturity up to one year strictly comply with those Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6913&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/330",
   "title": "RBI expanded Interest Rate Futures to 2-year and 5-year bonds (2011, now superseded)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-330/",
   "products": [],
   "summary": "In 2011, RBI allowed exchange-traded Interest Rate Futures on notional 2-year and 5-year government securities, cash-settled, with final settlement based on polled yields. Note: These directions have been superseded by Rupee Interest Rate Derivatives (Reserve Bank) Directions, 2019.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6912&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/329",
   "title": "RBI Introduces 2-Year and 5-Year Interest Rate Futures",
   "url": "https://bankpulse.ai/c/rbi-2011-12-329/",
   "products": [],
   "summary": "RBI has expanded the exchange-traded Interest Rate Futures (IRF) product suite by adding contracts on 2-year and 5-year notional coupon-bearing GoI securities, effective December 30, 2011. Settlement yields will be determined via a FIMMDA-conducted polling process involving randomly selected Primary",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6911&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-20T05:32:00+05:30"
  },
  {
   "ref": "RBI/2011-12/354",
   "title": "UAPA Sanctions List Updates for RRBs – January 18, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-354/",
   "products": [],
   "summary": "RBI directs RRBs to update their UNSCR 1988 sanctions list with seven new annexes from July 2011 to January 6, 2012. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6947&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/353",
   "title": "RBI Eases Commodity Hedging Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-353/",
   "products": [],
   "summary": "RBI now allows all Category-I AD banks to approve commodity hedging for listed and unlisted companies (excluding gold, silver, platinum) on international exchanges under a delegated route, replacing earlier restrictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6946&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/352",
   "title": "UAPA Section 51-A: UN Taliban Sanctions List Updates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-352/",
   "products": [],
   "summary": "RBI mandates banks to update and screen accounts against the latest UNSCR 1988 Taliban sanctions list, covering seven annexes from July 2011 to January 2012. All new and existing accounts must be checked for listed individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6945&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/351",
   "title": "RRBs: Updated FATF AML/CFT Jurisdictional Risks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-351/",
   "products": [],
   "summary": "RBI directs RRBs to consider FATF's October 28, 2011 updated statement on AML/CFT deficiencies in certain jurisdictions. This does not block legitimate trade, but banks must factor these risks into their compliance frameworks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6940&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/350",
   "title": "RBI Updates AML/CFT Guidance for Co-op Banks on FATF Statement",
   "url": "https://bankpulse.ai/c/rbi-2011-12-350/",
   "products": [],
   "summary": "RBI directs all State and Central Co-operative Banks to consider the updated FATF statement on AML/CFT deficiencies in certain jurisdictions, issued October 28, 2011. This does not block legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6939&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/349",
   "title": "RBI Finalizes Compensation Guidelines for Private & Foreign Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-349/",
   "products": [],
   "summary": "RBI issued final compensation guidelines for private and foreign banks, effective FY 2012-13, aligning with FSB principles to curb excessive risk-taking. Banks must link pay to long-term risks, not just short-term profits, and obtain regulatory approval for WTD/CEO remuneration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6938&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/347",
   "title": "RBI Allows QFIs to Invest in Indian Equity Shares",
   "url": "https://bankpulse.ai/c/rbi-2011-12-347/",
   "products": [],
   "summary": "RBI now permits Qualified Foreign Investors (QFIs) to buy listed Indian equity shares on repatriation basis via SEBI-registered DPs and brokers, with a single rupee pool account for fund flows and strict five-day settlement timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6937&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/348",
   "title": "FDI in Single-Brand Retail: 100% Allowed Under Govt Route",
   "url": "https://bankpulse.ai/c/rbi-2011-12-348/",
   "products": [],
   "summary": "RBI has raised the FDI cap for single-brand retail trading from 51% to 100% under the government approval route, effective January 13, 2012. AD Category-I banks must inform customers and await separate FEMA notification amendments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6936&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/346",
   "title": "FATF Update on High-Risk Jurisdictions: AML/CFT Alert",
   "url": "https://bankpulse.ai/c/rbi-2011-12-346/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's October 2011 statement on AML/CFT deficiencies in certain jurisdictions. This does not block legitimate trade but requires heightened awareness.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6935&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/345",
   "title": "RBI eases FCR acceptance rules for export transactions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-345/",
   "products": [],
   "summary": "RBI now allows banks to accept Forwarder's Cargo Receipts (FCR) from IATA agents for LC-backed exports even if the sale contract doesn't mention FCR. For non-LC exports, banks may accept FCR at their discretion if the sale contract permits it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6934&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/343",
   "title": "UAPA Sanctions: Co-op Banks Must Update Al-Qaida Lists",
   "url": "https://bankpulse.ai/c/rbi-2011-12-343/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to update their UNSCR 1267/1989 Al-Qaida sanctions list with six new UN notes from Oct-Dec 2011. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6928&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/342",
   "title": "RBI cracks down on NEFT delay penalties and CFC neglect",
   "url": "https://bankpulse.ai/c/rbi-2011-12-342/",
   "products": [],
   "summary": "RBI has warned banks to stop avoiding penal interest on delayed NEFT credits by value-dating. Banks must pay penalty suo-moto at LAF Repo Rate plus 2% and keep Customer Facilitation Centres (CFCs) responsive. Board-level compliance reports are mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6927&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-20T05:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/379",
   "title": "RBI Master Circular on Risk Management and Inter-Bank Dealings",
   "url": "https://bankpulse.ai/c/rbi-2011-12-379/",
   "products": [],
   "summary": "This 2011-12 Master Circular consolidates all RBI instructions on foreign exchange derivative contracts, overseas hedging, and inter-bank dealings for AD Category I banks. It requires banks to verify underlying exposure documents within 15 days and sets a one-year validity, expiring July 1, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6980&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/368",
   "title": "Savings Bank Deposit Interest Rate Deregulation Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2011-12-368/",
   "products": [],
   "summary": "RBI clarifies that revised savings deposit interest rate guidelines apply only to domestic resident accounts. Interest must be calculated on end-of-day balance: uniform rate up to Rs. 1 lakh, differential rate above that. Board/ALCO approval needed for rate fixation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6965&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/367",
   "title": "ECB Policy: IFC Leverage Ratio Certification by AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-367/",
   "products": [],
   "summary": "RBI now requires AD Category-I banks to certify the leverage ratio (outside liabilities/owned funds) of Infrastructure Finance Companies (IFCs) before forwarding ECB proposals under the approval route. This adds a compliance step for banks processing IFC ECB requests above 50% of owned funds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6964&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/366",
   "title": "ECB Simplification: AD Banks Get More Powers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-366/",
   "products": [],
   "summary": "RBI has delegated powers to AD Category-I banks to approve cancellation of Loan Registration Numbers and changes in end-use for ECBs under the automatic route, reducing the need for central office referrals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6963&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/365",
   "title": "UAPA Sanctions: Update Al-Qaida List for PSOs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-365/",
   "products": [],
   "summary": "RBI directs all payment system operators to update their records with the latest UN Al-Qaida sanctions list and screen all new and existing accounts against it, as per UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6962&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/364",
   "title": "UNSCR 1929 Sanctions: Co-op Banks Must Screen Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-364/",
   "products": [],
   "summary": "RBI directs all state and central co-operative banks to cross-check new and existing accounts against the UNSCR 1929 sanctions list published in the Gazette of India, and report matches to RBI and FIU-IND.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6961&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/363",
   "title": "CRR Cut by 50 bps to 5.50% from Jan 28, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-363/",
   "products": [],
   "summary": "RBI reduced CRR by 50 bps from 6.00% to 5.50% of NDTL, effective fortnight starting January 28, 2012. This frees up liquidity for banks, supporting lending and easing monetary conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6960&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/362",
   "title": "RRBs Must Screen Accounts Against UNSCR 1929 Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-362/",
   "products": [],
   "summary": "RBI directs all RRBs to cross-check account openings and existing transactions against the UNSCR 1929 sanctions list published in the Gazette of India. Any matching accounts must be reported to RBI and FIU-India immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6959&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/360",
   "title": "UAPA Compliance: UN Splits Al-Qaida & Taliban Sanctions Lists",
   "url": "https://bankpulse.ai/c/rbi-2011-12-360/",
   "products": [],
   "summary": "RBI directs all payment system operators to use two separate UN sanctions lists—Al-Qaida and Taliban—for Section 51A UAPA checks. Existing accounts must be scanned and new accounts screened against both lists.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6953&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/359",
   "title": "Small Savings Interest Rates: Fixed for Life of Investment",
   "url": "https://bankpulse.ai/c/rbi-2011-12-359/",
   "products": [],
   "summary": "RBI clarifies that small savings scheme interest rates are fixed for the entire investment tenure, not floating. PPF rates are subject to change as notified by the government. Banks must display this clarification at branches handling PPF and SCSS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6951&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/356",
   "title": "ECB & Trade Credits Master Circular 2011-12",
   "url": "https://bankpulse.ai/c/rbi-2011-12-356/",
   "products": [],
   "summary": "RBI consolidated all ECB and trade credit guidelines into Master Circular No.09/2011-12, effective July 1, 2011, revised up to January 5, 2012 and updated as on January 20, 2012. It covers automatic and approval routes, eligible borrowers, lenders, end-uses, all-in-cost ceilings, and reporting. This",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6950&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/358",
   "title": "UNSCR 1929 Compliance: Sanctions Screening Mandate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-358/",
   "products": [],
   "summary": "RBI mandates banks to screen all accounts and transactions against the UNSCR 1929 sanctions list published in the Gazette of India dated November 4, 2011, and report matches to RBI and FIU-IND.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6949&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:18 IST",
   "published_at_iso": "2026-06-20T05:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/383",
   "title": "RBI Tightens Housing Loan LTV: Exclude Stamp Duty & Registration Costs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-383/",
   "products": [],
   "summary": "RBI directs banks to exclude stamp duty, registration, and documentation charges from property cost when calculating Loan-to-Value ratio for housing loans, ensuring LTV norms are not diluted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6984&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/382",
   "title": "RBI Tightens Norms on Unhedged Forex Exposure of Corporates",
   "url": "https://bankpulse.ai/c/rbi-2011-12-382/",
   "products": [],
   "summary": "RBI directs banks to evaluate unhedged forex exposure risks of corporates, price them into credit risk premium, and consider Board-approved limits on unhedged positions. This aims to curb credit losses from currency volatility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6983&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/381",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for Co-op & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-381/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to update their records with the latest UN Al-Qaida Sanctions List. Before opening new accounts and when reviewing existing ones, banks must ensure no customer is on this list and follow the UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6982&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/378",
   "title": "Fortnightly Reporting for Diamond Dollar Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-378/",
   "products": [],
   "summary": "AD Category-I banks must now submit a fortnightly statement of Diamond Dollar Account balances to RBI within seven days of the fortnight's close, using the prescribed format.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6979&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/377",
   "title": "RBI Opens Government Business to All Private Sector Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-377/",
   "products": [],
   "summary": "RBI now allows all private sector banks to handle Central/State Government business as agency banks, ending the previous restriction to only ICICI, HDFC, and Axis. This aims to improve customer service, convenience, and revenue collection through broader competition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6978&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/376",
   "title": "Master Circular on Money Changing Activities (2011-12)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-376/",
   "products": [],
   "summary": "RBI consolidated all instructions on money changing into one Master Circular, effective July 1, 2011, with a sunset clause withdrawing it on July 1, 2012. It covers licensing, KYC/AML norms, and franchisee rules for Authorised Money Changers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6977&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/374",
   "title": "Savings Bank Deposit Rate Deregulation for RRBs/Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-374/",
   "products": [],
   "summary": "RBI clarifies that deregulated savings deposit interest rates apply only to domestic resident accounts. Interest must be calculated on end-of-day balances: uniform rate up to Rs. 1 lakh, differential rates allowed above that. Board/ALCO approval needed for rate fixation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6971&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/373",
   "title": "RBI Eases Prior Approval Norms for Vostro Accounts of Exchange Houses",
   "url": "https://bankpulse.ai/c/rbi-2011-12-373/",
   "products": [],
   "summary": "RBI has removed the need for prior approval for each Rupee Vostro account of non-resident Exchange Houses under Rupee Drawing Arrangements. AD Category-I banks now need RBI approval only for the first such arrangement; subsequent ones require immediate intimation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6970&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/372",
   "title": "RBI eases location norms for Full Fledged Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-372/",
   "products": [],
   "summary": "RBI has removed the criteria of outreach and locational advantage for FFMC license applications, giving authorised persons more flexibility in branch location selection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6969&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/371",
   "title": "CRR cut for SCBs and RRBs by 50 bps to 5.50%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-371/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled State Co-operative Banks and Regional Rural Banks by 50 bps from 6.00% to 5.50% of NDTL, effective from the fortnight starting January 28, 2012. This frees up liquidity for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6968&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/370",
   "title": "Second LAF Repo on Reporting Fridays from Feb 10, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-370/",
   "products": [],
   "summary": "RBI reintroduces an additional repo auction under LAF on reporting Fridays, 4:30-5:00 PM, effective February 10, 2012, to give banks more flexibility in end-of-fortnight liquidity management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6967&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/369",
   "title": "CRR Cut for Urban Co-op Banks: 50 bps Reduction",
   "url": "https://bankpulse.ai/c/rbi-2011-12-369/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled Primary (Urban) Co-operative Banks by 50 bps from 6.00% to 5.50% of NDTL, effective fortnight starting January 28, 2012, as part of the Third Quarter Review of Monetary Policy 2011-12.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6966&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:09 IST",
   "published_at_iso": "2026-06-20T05:09:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/396",
   "title": "Bank Rate Hiked 350 bps to 9.50%: Technical Alignment with MSF",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-396/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 350 bps to 9.50% effective Feb 13, 2012, aligning it with the MSF rate. This is a one-time technical adjustment, not a monetary policy change. Penal rates on reserve shortfalls also increase accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7001&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/395",
   "title": "FCRA 2010 Guidelines for RRBs and Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-395/",
   "products": [],
   "summary": "RBI issued guidelines under Section 36(1)(a) of the Banking Regulation Act, 1949, directing RRBs, StCBs, and DCCBs to comply with the Foreign Contribution (Regulation) Act, 2010, which replaces the 1976 Act. Banks must follow the attached rules and seek legal advice if needed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7000&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/394",
   "title": "RBI Updates AML/CFT Standards for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2011-12-394/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to consider FATF's updated October 2011 statement on AML/CFT risks from certain jurisdictions, without blocking legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6999&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/393",
   "title": "Display Unclaimed Deposit Lists on Websites: StCBs/DCCBs/RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-393/",
   "products": [],
   "summary": "RBI mandates StCBs, DCCBs, and RRBs to publish lists of accounts inactive for 10+ years on their websites by June 30, 2012, with names and addresses only, plus a search feature and claim process details.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6998&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/392",
   "title": "Project Office Setup: Prior RBI Nod for Citizens of 6 Nations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-392/",
   "products": [],
   "summary": "RBI clarifies that general permission for foreign entities to set up project offices in India does not override the prior approval requirement for citizens of Pakistan, Bangladesh, Sri Lanka, Afghanistan, Iran, or China under FEMA 22/2000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6997&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/391",
   "title": "Savings Bank Deposit Rate Deregulation: End-of-Day Balance Clarification",
   "url": "https://bankpulse.ai/c/rbi-2011-12-391/",
   "products": [],
   "summary": "RBI clarifies that revised savings bank deposit interest rate guidelines apply only to domestic resident deposits. Interest must be calculated on end-of-day balances: uniform rate up to Rs. 1 lakh, differential rates allowed above Rs. 1 lakh. Board/ALCO approval needed for rate fixation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6996&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/390",
   "title": "ECB Simplification: AD Banks Get More Powers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-390/",
   "products": [],
   "summary": "RBI has delegated powers to AD Category-I banks to approve ECB changes like loan amount reduction (only under automatic route), drawdown schedule modifications (only if average maturity is reduced and repayment schedule unchanged), and cost reduction, subject to conditions. This simplifies procedure",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6995&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/389",
   "title": "Display Unclaimed Deposits on Bank Websites",
   "url": "https://bankpulse.ai/c/rbi-2011-12-389/",
   "products": [],
   "summary": "Banks must list accounts inactive for 10+ years on their websites with names and addresses only, plus a search feature, by June 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6994&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/388",
   "title": "RBI Guidelines on FCRA 2010 for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-388/",
   "products": [],
   "summary": "RBI issued guidelines under Section 36(1)(a) of the Banking Regulation Act, 1949, mandating scheduled commercial banks (excluding RRBs) to comply with the Foreign Contribution (Regulation) Act, 2010 and Rules, 2011, which replace the 1976 Act. Banks must ensure proper handling of foreign contributio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6993&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/386",
   "title": "Revised Short Selling Reporting for G-Secs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-386/",
   "products": [],
   "summary": "RBI has updated the monthly short selling report for government securities to reflect changes in regulatory limits due to shifts in outstanding amounts or benchmark status. Banks and primary dealers must submit the revised report by the 8th of each month.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6988&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/387",
   "title": "RBI Permits Repo of G-Sec Already Contracted for Sale",
   "url": "https://bankpulse.ai/c/rbi-2011-12-387/",
   "products": [],
   "summary": "RBI now permits repo of government securities on T+0 basis that have already been contracted for sale on T+1 basis, provided adequate SGL/CSGL balances are maintained.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6987&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/385",
   "title": "RBI tightens loan rules for directors' spouses and children",
   "url": "https://bankpulse.ai/c/rbi-2011-12-385/",
   "products": [],
   "summary": "RBI (as per 2012 circular) restricts loans to directors' spouses and minor/dependent children under Section 20 of the Banking Regulation Act. Exceptions exist if the spouse has independent income and the loan is on commercial terms. Loans of ₹25 lakh and above need board approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6985&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 05:01 IST",
   "published_at_iso": "2026-06-20T05:01:00+05:30"
  },
  {
   "ref": "RBI/2011-12/410",
   "title": "FATF AML/CFT Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-410/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to factor in FATF's October 2011 statement on AML/CFT risks from certain jurisdictions. Banks must not restrict legitimate trade but should update their risk assessments accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7023&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/409",
   "title": "UAPA Section 51A: Updated Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-409/",
   "products": [],
   "summary": "RBI mandates banks to update and screen accounts against the UN's revised Al-Qaida sanctions list under UAPA, 1967. Freeze assets of newly designated individuals/entities and ensure no new accounts are opened for listed parties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7022&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/408",
   "title": "UCBs Must Report Suit-Filed Accounts to CICs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-408/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to submit quarterly lists of suit-filed accounts of ₹1 crore and above (doubtful/loss) and willful defaulters of ₹25 lakh and above to CIBIL or other RBI-registered CICs for public dissemination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7021&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/407",
   "title": "Lead Bank Responsibility for New District Panchsheel Nagar",
   "url": "https://bankpulse.ai/c/rbi-2011-12-407/",
   "products": [],
   "summary": "RBI assigns Syndicate Bank as lead bank for the newly formed Panchsheel Nagar district in Uttar Pradesh, effective September 28, 2011. The district, carved from Ghaziabad, includes Hapur, Garh Mukteshwar, and Dhaulana tehsils. No other district lead bank changes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7020&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/406",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-406/",
   "products": [],
   "summary": "RBI directs RRBs and co-operative banks to update the UN 1988 Sanctions List (Taliban-linked entities) and screen all new and existing accounts against it, following UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7019&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/405",
   "title": "UAPA Section 51-A: Update UNSCR 1988 Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-405/",
   "products": [],
   "summary": "RBI directs banks to update the UNSCR 1988 Taliban sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities per UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7014&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/404",
   "title": "Import Remittance Limit Raised to USD 5000 Without Documentation",
   "url": "https://bankpulse.ai/c/rbi-2011-12-404/",
   "products": [],
   "summary": "RBI has raised the threshold for import remittances without documentation from USD 500 to USD 5000. ADs now only need a simple letter from the applicant for remittances up to this limit, provided it's a current account transaction not in Schedules I or II.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7013&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/403",
   "title": "AD Banks Can Now Approve Advance for Long-Gestation Exports",
   "url": "https://bankpulse.ai/c/rbi-2011-12-403/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to approve advance payments for exports where shipment extends beyond one year, without prior RBI approval, subject to KYC, AML, interest cap at LIBOR+100 bps, and other conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7012&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/402",
   "title": "PSOs must update Al-Qaida sanctions list for new and existing accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-402/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update the UN Al-Qaida sanctions list, screen new customers against it, and scan existing accounts for matches. Freeze assets of designated individuals/entities as per earlier UAPA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7011&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/401",
   "title": "RBI Reiterates Mandatory Invitation of MPs/MLAs to DLRC Meetings",
   "url": "https://bankpulse.ai/c/rbi-2011-12-401/",
   "products": [],
   "summary": "RBI has reiterated that lead banks must fix DLRC meeting dates in consultation with MPs/MLAs, invite them to all district-level functions, and respond to their queries promptly. Non-compliance was flagged by a Lok Sabha House Committee.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7010&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/398",
   "title": "RBI Tightens AML/CFT Checks on Cross-Border Remittances via MTSS",
   "url": "https://bankpulse.ai/c/rbi-2011-12-398/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to apply FATF's October 2011 statement on high-risk jurisdictions to cross-border inward remittances. Sub-agents must also comply, with Indian Agents fully responsible. Legitimate transactions remain allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7007&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/397",
   "title": "AML/CFT Risks: FATF Statement on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-397/",
   "products": [],
   "summary": "RBI directs authorised persons to factor in FATF's October 2011 statement on AML/CFT deficiencies in certain jurisdictions when handling money changing activities. Legitimate transactions remain allowed, but enhanced due diligence is expected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7006&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:54 IST",
   "published_at_iso": "2026-06-20T04:54:00+05:30"
  },
  {
   "ref": "RBI/2011-12/422",
   "title": "Lead Bank for New Prabudh Nagar District Assigned to PNB",
   "url": "https://bankpulse.ai/c/rbi-2011-12-422/",
   "products": [],
   "summary": "RBI assigns Punjab National Bank as lead bank for the newly formed Prabudh Nagar district in Uttar Pradesh, carved from Muzaffarnagar. The district code is 315. No other district lead bank responsibilities change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7035&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/421",
   "title": "RBI Clarifies Asset Transfer Rules for Foreign Branch/Liaison Offices",
   "url": "https://bankpulse.ai/c/rbi-2011-12-421/",
   "products": [],
   "summary": "RBI clarifies that AD Category-I banks cannot approve asset transfers from foreign branch/liaison offices to subsidiaries or other entities; such transfers now require specific approval from RBI's Central Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7034&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/419",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-419/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their UN Al-Qaida sanctions list with six new annexes from the UN Security Council, screen new and existing accounts against this list, and follow UAPA freezing procedures from earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7033&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/420",
   "title": "Revised Supervisory Action Framework for Urban Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-420/",
   "products": [],
   "summary": "RBI revamps supervisory action for UCBs with a two-stage framework based on CAMELS ratings. Banks must self-correct when CRAR falls below 9% or asset quality deteriorates. RBI escalates monitoring if CRAR drops below 6%, losses occur for two years, or GNPA exceeds 10%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7032&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/418",
   "title": "UAPA Compliance: UN Splits Al-Qaida & Taliban Sanctions Lists",
   "url": "https://bankpulse.ai/c/rbi-2011-12-418/",
   "products": [],
   "summary": "RBI directs urban co-op banks to use two separate UN sanctions lists—Al-Qaida and Taliban—for Section 51A UAPA compliance. Banks must screen new and existing accounts against both lists and follow the August 2009 MHA procedure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7031&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/417",
   "title": "Lead Bank assigned for new UP district Bhim Nagar",
   "url": "https://bankpulse.ai/c/rbi-2011-12-417/",
   "products": [],
   "summary": "RBI has assigned Syndicate Bank as the lead bank for the newly formed Bhim Nagar district in Uttar Pradesh, carved from Muradabad and Budaun. The district code is 317. No other district lead bank responsibilities change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7030&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/416",
   "title": "RBI Tightens KYC/AML for Cross-Border Remittances Under MTSS",
   "url": "https://bankpulse.ai/c/rbi-2011-12-416/",
   "products": [],
   "summary": "RBI mandates Indian Agents under MTSS to identify and assess money laundering/terror financing risks for customers, countries, products, and delivery channels. Enhanced due diligence is required for medium or high-risk customers. Board-approved policies and risk-based transaction monitoring are now ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7029&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/415",
   "title": "Risk Assessment for Money Changing Activities under KYC/AML",
   "url": "https://bankpulse.ai/c/rbi-2011-12-415/",
   "products": [],
   "summary": "RBI mandates authorised persons to identify and assess money laundering/terrorism financing risks for customers, countries, products, and delivery channels. Board-approved policies and enhanced due diligence for medium/high-risk entities are required, following a national risk assessment committee's",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7028&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/414",
   "title": "ECB Access for NMIZ Infrastructure Developers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-414/",
   "products": [],
   "summary": "RBI now allows NMIZ developers to raise ECB under approval route for infrastructure facilities within the zone, expanding the earlier SEZ-only provision. All other ECB norms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7027&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/413",
   "title": "R-Returns & FETERS: Revised Reporting from April 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-413/",
   "products": [],
   "summary": "From April 1, 2012, AD Category-I banks must report all forex transactions under FETERS using revised purpose codes. The consolidated reporting and URS sample survey for non-export receipts below Rs. 5 lakhs are discontinued. Amount fields expand to 15 digits; 6-digit UNLOCODE port codes replace old",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7026&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/412",
   "title": "UAPA Sanctions: Update Al-Qaida List for New & Existing Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-412/",
   "products": [],
   "summary": "RBI directs co-operative banks and RRBs to update their UN Al-Qaida sanctions list, screen new customers, and scan existing accounts for matches. Freeze assets of listed individuals/entities per earlier UAPA orders. Acknowledge receipt to your Regional Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7025&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/411",
   "title": "Gold Loan Tenor Extended to 270 Days Under FTP 2009-14",
   "url": "https://bankpulse.ai/c/rbi-2011-12-411/",
   "products": [],
   "summary": "RBI extends maximum gold loan tenor from 240 to 270 days, aligning with FTP 2009-14: 90 days for manufacture/export plus 180 days for price fixing and repayment. SBLC tenor must match this new loan period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7024&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:44 IST",
   "published_at_iso": "2026-06-20T04:44:00+05:30"
  },
  {
   "ref": "RBI/2011-12/434",
   "title": "CRR Cut by 75 bps to 4.75% from March 10, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-434/",
   "products": [],
   "summary": "RBI reduced CRR by 75 bps from 5.50% to 4.75% of NDTL, effective March 10, 2012. This frees up bank liquidity in response to evolving conditions, easing pressure on lending capacity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7051&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/433",
   "title": "RBI mandates CCIL platform for OTC forex and rate derivatives reporting",
   "url": "https://bankpulse.ai/c/rbi-2011-12-433/",
   "products": [],
   "summary": "RBI directs Category-I Authorised Dealer banks and Primary Dealers to report all inter-bank OTC forex derivatives and certain client trades on a CCIL-developed platform, with confidentiality protocols to be finalised by market bodies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7050&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/432",
   "title": "Bank Rate Hiked to 9.50%: Technical Alignment with MSF",
   "url": "https://bankpulse.ai/c/rbi-2011-12-432/",
   "products": [],
   "summary": "RBI raised the Bank Rate from 6% to 9.50% effective Feb 13, 2012, aligning it with the MSF rate. This is a one-time technical adjustment, not a monetary policy change. Penal rates on reserve shortfalls will increase accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7049&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/431",
   "title": "IFRS Convergence Roadmap for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-431/",
   "products": [],
   "summary": "RBI mandates UCBs with net worth over Rs. 300 crore to converge with IFRS by April 1, 2013, and those with net worth between Rs. 200-300 crore by April 1, 2014. Banks must prepare systems and skills for the transition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7048&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/430",
   "title": "LRS Clarification: Minors, Family Consolidation, Art Purchases",
   "url": "https://bankpulse.ai/c/rbi-2011-12-430/",
   "products": [],
   "summary": "RBI clarifies that resident individuals, including minors, can remit up to USD 200,000 per financial year under LRS. Minors' forms need guardian countersignature. Family members can consolidate remittances, and funds can buy art objects if compliant with other laws.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7047&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/429",
   "title": "RBI grants CIBIL credit information registration",
   "url": "https://bankpulse.ai/c/rbi-2011-12-429/",
   "products": [],
   "summary": "RBI issued a Certificate of Registration to CIBIL on March 5, 2012, authorizing it to operate as a credit information company. This formalizes CIBIL's role in the credit reporting ecosystem for scheduled commercial banks and all-India financial institutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7046&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/428",
   "title": "UCBs Must Now Assess and Mitigate ML/FT Risk Systematically",
   "url": "https://bankpulse.ai/c/rbi-2011-12-428/",
   "products": [],
   "summary": "RBI mandates urban co-operative banks to identify and assess money laundering and terror financing risks for customers, geographies, products, and delivery channels. Banks must adopt board-approved policies and enhanced due diligence for medium or high-risk categories, following a national risk asse",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7041&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/427",
   "title": "DvP I Settlement Mandated for OTC CDs and CPs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-427/",
   "products": [],
   "summary": "From April 1, 2012, all OTC trades in Certificates of Deposit and Commercial Papers must be cleared and settled through NSCCL or ICCL under DvP I, replacing bilateral settlement. This aligns with corporate bond settlement norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7040&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/426",
   "title": "RBI Tightens Grievance Redressal: Senior Nodal Officers Must Be on Bank Homepages",
   "url": "https://bankpulse.ai/c/rbi-2011-12-426/",
   "products": [],
   "summary": "RBI mandates that Principal Nodal Officers under the Banking Ombudsman Scheme must be at least General Manager rank, with contact details prominently displayed on bank website homepages. Grievance redressal must be simplified, avoiding identity hassles, and given wider publicity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7039&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/425",
   "title": "RBI Allows BC Interoperability at Retail Outlets",
   "url": "https://bankpulse.ai/c/rbi-2011-12-425/",
   "products": [],
   "summary": "RBI now permits BC retail outlets to serve customers of multiple banks, provided transactions are online, CBS-based, and follow IBA standard operating procedures. Banks remain fully liable for BC actions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7038&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/424",
   "title": "Fraud Monitoring Guidelines Extended to NBFCs-ND-SI (2012)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-424/",
   "products": [],
   "summary": "RBI extended fraud monitoring guidelines to systemically important non-deposit taking NBFCs (NBFCs-ND-SI) with asset size of Rs.100 crore and above, effective March 2, 2012. They must report frauds to RBI and disclose fraud amounts in balance sheets, with penal action for non-compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7037&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-12/423",
   "title": "FII Investment in 'To Be Listed' Debt Securities Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-423/",
   "products": [],
   "summary": "RBI now permits FIIs to invest in primary issues of NCDs/bonds, provided listing occurs within 15 days. If not listed, FIIs must sell or the issuer must redeem/buyback. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7036&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:38 IST",
   "published_at_iso": "2026-06-20T04:38:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/458",
   "title": "FY2011-12 March Transactions: Special Reporting & Accounting Arrangements",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-458/",
   "products": [],
   "summary": "RBI sets April 14, 2012 as the closure date for March residual transactions for agency banks. Banks must ensure all March collections are accounted in FY2011-12, with special messenger/courier arrangements from mid-March and separate scrolls for March vs April transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7077&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/445",
   "title": "Bank Rate Hiked to 9.50%: Technical Alignment with MSF",
   "url": "https://bankpulse.ai/c/rbi-2011-12-445/",
   "products": [],
   "summary": "RBI raised the Bank Rate from 6% to 9.50% effective Feb 13, 2012, aligning it with the MSF rate. This is a one-time technical adjustment, not a monetary policy change. Penal rates on reserve shortfalls will also increase accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7062&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/444",
   "title": "RBI Updates AML/CFT Standards on FATF Statement",
   "url": "https://bankpulse.ai/c/rbi-2011-12-444/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's updated February 2012 statement on AML/CFT deficiencies in certain jurisdictions, without blocking legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7061&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/442",
   "title": "NBFCs Must Screen Accounts Against UNSCR 1929 Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-442/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to cross-check all new and existing accounts against the UNSCR 1929 sanctions list published in the Gazette of India on November 4, 2011, and report matches to RBI and FIU-IND.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7060&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/441",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-441/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and freeze assets of designated individuals/entities as per UAPA 1967 procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7058&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/440",
   "title": "Diamond Dollar Accounts: Reporting Frequency Reduced to Quarterly",
   "url": "https://bankpulse.ai/c/rbi-2011-12-440/",
   "products": [],
   "summary": "RBI has reduced reporting frequency for Diamond Dollar Accounts from monthly to quarterly, effective quarter ending March 2012. AD Category-I banks must now submit reports by the 10th of the month following each quarter.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7057&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/439",
   "title": "Rupee Value of Special Currency Basket Revised to Rs. 68.84",
   "url": "https://bankpulse.ai/c/rbi-2011-12-439/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under India-USSR Deferred Payment Protocols to Rs. 68.838139, effective February 9, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7056&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/438",
   "title": "CRR Cut for StCBs/RRBs: 75 bps Reduction to 4.75%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-438/",
   "products": [],
   "summary": "RBI slashed CRR for Scheduled State Co-operative Banks and Regional Rural Banks by 75 bps from 5.50% to 4.75% of NDTL, effective fortnight starting March 10, 2012, to ease liquidity conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7055&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/437",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-437/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update the UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7054&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/436",
   "title": "UAPA Section 51A: Update Al-Qaida Sanctions List Now",
   "url": "https://bankpulse.ai/c/rbi-2011-12-436/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list immediately. Before opening new accounts, verify proposed customers aren't on this list. Also, scan all existing accounts to identify and freeze any linked to listed individuals or entities, following the UAPA Order of August 27, 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7053&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/435",
   "title": "CRR Cut for Urban Co-op Banks: 75 bps Reduction",
   "url": "https://bankpulse.ai/c/rbi-2011-12-435/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled Primary Urban Co-operative Banks by 75 bps from 5.50% to 4.75% of NDTL, effective fortnight from March 10, 2012, to ease liquidity conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7052&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:29 IST",
   "published_at_iso": "2026-06-20T04:29:00+05:30"
  },
  {
   "ref": "RBI/2011-12/459",
   "title": "UAPA Section 51A: Updated Al-Qaida Sanctions List for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-459/",
   "products": [],
   "summary": "RBI mandates NBFCs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, verify customer names against this list, and screen existing accounts for matches. Non-compliance risks regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7078&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/457",
   "title": "FY 2011-12 Year-End: Extended Hours for Govt Transactions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-457/",
   "products": [],
   "summary": "RBI directs agency banks to extend banking hours on March 30-31, 2012, to handle year-end government revenue rush. Special clearing on March 31 will be communicated separately. All branches must comply to ensure timely accounting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7076&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/456",
   "title": "National Australia Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2011-12-456/",
   "products": [],
   "summary": "RBI has included National Australia Bank in the Second Schedule of the RBI Act, 1934, effective January 9, 2012. This grants it scheduled bank status, enabling access to central bank facilities and regulatory benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7074&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/454",
   "title": "UAPA Section 51A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-454/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, verify customer names against this list; also scan existing accounts for matches. Strictly follow UAPA procedures for freezing assets of designat",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7073&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/453",
   "title": "FII/NRI Investment Limit Hikes: Prior Intimation to RBI",
   "url": "https://bankpulse.ai/c/rbi-2011-12-453/",
   "products": [],
   "summary": "Indian companies raising FII investment limits above 24% or NRI limits above 10% must immediately inform RBI with a compliance certificate. RBI monitors daily, using a 2% buffer below ceilings to trigger caution and stop-purchase actions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7072&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/452",
   "title": "FVCIs can now buy Indian VC securities via private deals",
   "url": "https://bankpulse.ai/c/rbi-2011-12-452/",
   "products": [],
   "summary": "RBI now allows SEBI-registered Foreign Venture Capital Investors to acquire eligible securities (equity, debt, units) of Indian venture capital undertakings or funds through private arrangements or third-party purchases, in addition to IPOs and private placements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7071&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/451",
   "title": "RIDF Interest Rates Revised After Bank Rate Hike to 9.5%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-451/",
   "products": [],
   "summary": "RBI revised RIDF and similar fund interest rates effective April 1, 2012, following the Bank Rate increase from 6% to 9.5%. Deposit and lending rates are now linked to the new Bank Rate, with spreads ranging from minus 2 to minus 5 percentage points for deposits and minus 1.5 percentage points for l",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7070&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/450",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-450/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7069&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/449",
   "title": "FATF AML/CFT Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-449/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to consider FATF's February 2012 statement on AML/CFT deficiencies in certain jurisdictions. This does not block legitimate trade but requires banks to factor the updated risks into their compliance processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7068&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/448",
   "title": "Automatic Membership for Decentralised Payment Systems",
   "url": "https://bankpulse.ai/c/rbi-2011-12-448/",
   "products": [],
   "summary": "Banks already in RTGS, NEFT, or NECS now get automatic membership for decentralised payment systems like CTS and ECS across all clearing houses, effective from March 15, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7067&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/447",
   "title": "UN Sanctions Lists Split: NBFCs Must Update Screening",
   "url": "https://bankpulse.ai/c/rbi-2011-12-447/",
   "products": [],
   "summary": "RBI directs NBFCs to use two separate UN sanctions lists—Al-Qaida and Taliban—for customer screening under UAPA Section 51A. Both lists must be checked before opening new accounts and for existing accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7064&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/446",
   "title": "NBFCs Cannot Treat Bank FDs as Financial Assets",
   "url": "https://bankpulse.ai/c/rbi-2011-12-446/",
   "products": [],
   "summary": "RBI clarifies that fixed deposits with banks are not financial assets for NBFCs. Interest from FDs cannot count as income from financial assets. NBFCs must commence business within six months of getting CoR, or the registration is automatically withdrawn.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7063&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:23 IST",
   "published_at_iso": "2026-06-20T04:23:00+05:30"
  },
  {
   "ref": "RBI/2011-12/471",
   "title": "NBFCs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-471/",
   "products": [],
   "summary": "RBI directs all NBFCs to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and ensure no prohibited individuals or entities are linked. Non-compliance risks regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7090&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/470",
   "title": "RBI Revises Fair Practices Code for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-470/",
   "products": [],
   "summary": "RBI updated its Fair Practices Code for NBFCs, mandating loan terms in vernacular languages, annualized interest rate disclosure, and non-coercive recovery. NBFCs must board-approve revised codes within one month and publish them online.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7089&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/469",
   "title": "Nomination Forms: Only Thumb Impressions Need Witnesses",
   "url": "https://bankpulse.ai/c/rbi-2011-12-469/",
   "products": [],
   "summary": "RBI clarifies that for nomination forms under the Banking Companies (Nomination) Rules, 1985, only thumb impressions require attestation by two witnesses; signatures of account holders do not need witness attestation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7088&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/468",
   "title": "March 2012 Tax Collection Deadline Shifted to April 16",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-468/",
   "products": [],
   "summary": "RBI corrected its earlier circular: wherever April 14, 2012 was mentioned for special March transactions reporting, it should now be read as April 16, 2012, because April 14 is a public holiday and April 15 is a Sunday.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7087&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/467",
   "title": "RBI Caps Gold Jewellery Loan LTV at 60% for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-467/",
   "products": [],
   "summary": "RBI has capped gold jewellery loan LTV at 60% for all NBFCs, mandated balance sheet disclosure of such loans, and set a 12% minimum Tier 1 capital requirement by April 2014 for NBFCs with over 50% gold jewellery loan assets. Advances against bullion, primary gold, and gold coins are prohibited.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7086&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/466",
   "title": "NBFCs Must Now Assess ML/TF Risk for Customers, Products, Geographies",
   "url": "https://bankpulse.ai/c/rbi-2011-12-466/",
   "products": [],
   "summary": "RBI directs NBFCs to identify and assess money laundering/terror financing risks for customers, countries, products, services, and delivery channels. Boards must approve policies to manage these risks, with enhanced due diligence for medium or high-risk categories. IBA guidance can be used as refere",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7085&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/465",
   "title": "Repayment of Loans from Close Relatives Abroad: NRE/FCNR(B) Credit Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-465/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to credit loan repayments from resident individuals to the lender's NRE/FCNR(B) account, provided the original loan was received via inward remittance or debit from such accounts and the lender is eligible to hold them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7084&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/464",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-464/",
   "products": [],
   "summary": "RBI directs State/Central Co-operative Banks and RRBs to update their UN Al-Qaida sanctions list per UNSCR 1267/1989 changes. Before opening new accounts, screen names against the list; also scan existing accounts. Freeze assets of designated individuals/entities as per earlier UAPA orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7083&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/462",
   "title": "Special Clearing on March 31, 2012 for Govt Transactions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-462/",
   "products": [],
   "summary": "RBI directs banks to conduct special evening/night clearings on March 31, 2012, to ensure all government revenue instruments are realized and credited to government accounts before the financial year closes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7082&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/463",
   "title": "NBFC-MFI Provisioning Norms Deferred to April 2013",
   "url": "https://bankpulse.ai/c/rbi-2011-12-463/",
   "products": [],
   "summary": "RBI has deferred the asset classification and provisioning norms for NBFC-MFIs from April 1, 2012 to April 1, 2013, responding to sector difficulties. Other regulations from the December 2, 2011 circular remain effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7081&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/461",
   "title": "MSME-DI Directors to Join District Consultative Committees",
   "url": "https://bankpulse.ai/c/rbi-2011-12-461/",
   "products": [],
   "summary": "RBI directs Lead Banks to invite MSME Development Institute Directors as invitees to DCC meetings in districts with MSME clusters, aiming to boost credit flow to the sector.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7080&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/460",
   "title": "UAPA Section 51-A: Updated UN Taliban Sanctions List for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-460/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN 1988 Sanctions List (Taliban-linked entities) and screen new and existing accounts against it, as required under Section 51-A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7079&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:16 IST",
   "published_at_iso": "2026-06-20T04:16:00+05:30"
  },
  {
   "ref": "RBI/2011-12/489",
   "title": "RBI Opens RTGS/NEFT Sub-Membership to All Licensed Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-489/",
   "products": [],
   "summary": "RBI now allows all licensed banks to join RTGS and NEFT as sub-members via a sponsor bank, removing earlier restrictions. This offers a cheaper, tech-friendly alternative for banks that couldn't meet direct membership criteria.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7113&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/482",
   "title": "RBI mandates immediate refund of unused travel card balances",
   "url": "https://bankpulse.ai/c/rbi-2011-12-482/",
   "products": [],
   "summary": "RBI now requires issuers of foreign currency prepaid cards to refund unutilized balances immediately upon request, replacing the earlier 10-day wait. Only small holds for pipeline transactions (up to USD 100) and unsettled acquirer amounts are permitted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7106&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/481",
   "title": "RBI Liberalises Foreign Currency Account Rules for Overseas Direct Investments",
   "url": "https://bankpulse.ai/c/rbi-2011-12-481/",
   "products": [],
   "summary": "Indian parties can now open and maintain Foreign Currency Accounts abroad for overseas direct investments without prior RBI approval, provided host country regulations mandate such accounts. Remittances must be used only for investments, and dividends repatriated within 30 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7105&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/480",
   "title": "Export Credit in Foreign Currency: Ceiling Rates Extended to Sep 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-480/",
   "products": [],
   "summary": "RBI has extended the existing ceiling rates on export credit in foreign currency and overseas lines of credit for another six months, from April 1 to September 30, 2012, under the same terms as the November 2011 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7104&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/479",
   "title": "Trade Credit All-in-Cost Ceiling Extended to Sep 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-479/",
   "products": [],
   "summary": "RBI extends the enhanced all-in-cost ceiling for trade credits (6-month LIBOR + 350 bps) until September 30, 2012, to ease import financing amid global market conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7103&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/477",
   "title": "RBI stops selling printed GR forms from July 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-477/",
   "products": [],
   "summary": "RBI will stop selling printed GR forms at its regional offices from July 1, 2012. Exporters must download the form online from RBI's website, print it on legal-size paper, and the GR number will be auto-assigned upon printing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7102&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/478",
   "title": "ECB All-in-Cost Ceiling Extended Till Sep 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-478/",
   "products": [],
   "summary": "RBI has extended the enhanced all-in-cost ceiling for ECBs for six more months until September 30, 2012. For 3-5 year maturity, the ceiling remains at 6-month Libor + 350 bps; for over 5 years, it stays at Libor + 500 bps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7101&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/476",
   "title": "UCBs Can Now Negotiate Restricted LCs for Non-Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-476/",
   "products": [],
   "summary": "RBI now allows UCBs to negotiate restricted LCs even if the beneficiary isn't a regular borrower, provided proceeds go to their regular banker. This relaxes earlier rules but keeps the ban on unrestricted LCs for non-borrowers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7100&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/475",
   "title": "SLBC Website Standardisation: Minimum Info Mandate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-475/",
   "products": [],
   "summary": "RBI mandates SLBC convenor banks to standardise their websites with a minimum set of information and data, as per an indicative annex, and update it at least quarterly. This ensures uniform public access to Lead Bank Scheme and government scheme details.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7099&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/474",
   "title": "RBI Liberalises Overseas Investment for Resident Individuals",
   "url": "https://bankpulse.ai/c/rbi-2011-12-474/",
   "products": [],
   "summary": "RBI has granted general permission for resident individuals to acquire foreign shares as qualification for directorships (removing the 1% cap), for professional services or director's remuneration, and via ESOPs (removing the 51% equity stake condition), all within the LRS ceiling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7093&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/473",
   "title": "RBI Liberalises Overseas Direct Investment Rules for Indian Parties",
   "url": "https://bankpulse.ai/c/rbi-2011-12-473/",
   "products": [],
   "summary": "RBI has eased overseas investment rules: Indian parties can now create charges on assets, include bank guarantees in financial commitment calculations, extend personal guarantees to indirect promoters, and seek approval for financial commitment without equity. Annual Performance Report submission ru",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7092&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 04:06 IST",
   "published_at_iso": "2026-06-20T04:06:00+05:30"
  },
  {
   "ref": "RBI/2011-12/495",
   "title": "Exim Bank's USD 150 mn Line of Credit to EBID for West Africa",
   "url": "https://bankpulse.ai/c/rbi-2011-12-495/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 150 million Line of Credit to EBID for financing Indian exports to 15 West African countries. Banks must advise exporters on terms, including at least 75% Indian content requirement and no agency commission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7124&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/494",
   "title": "PSOs must screen customers against UN Al-Qaida sanctions list",
   "url": "https://bankpulse.ai/c/rbi-2011-12-494/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update and screen customers against the UN Al-Qaida sanctions list. New accounts must be checked, existing accounts scanned, and funds frozen as per UAPA procedures. Compliance is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7123&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/493",
   "title": "UAPA Sanctions: Update UN Taliban List for PSOs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-493/",
   "products": [],
   "summary": "RBI mandates all Payment System Operators to update their records with the latest UN 1988 Sanctions List (Taliban-linked entities) and screen new and existing accounts to prevent any dealings with listed individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7122&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/492",
   "title": "RBI Updates AML/CFT Standards for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2011-12-492/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to consider FATF's updated February 2012 statement on AML/CFT deficiencies in certain jurisdictions, without restricting legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7121&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/491",
   "title": "Fixed 8% Compensation for Delayed Bond Payments",
   "url": "https://bankpulse.ai/c/rbi-2011-12-491/",
   "products": [],
   "summary": "RBI mandates agency banks to compensate Relief/Savings bond investors at a fixed 8% per annum for delayed interest or maturity payments, replacing the earlier savings bank rate-based compensation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7120&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/490",
   "title": "Rupee Value of Special Currency Basket Revised to Rs. 70.965327 (Revision on March 7, 2012, Effective March 13, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-490/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs. 70.965327, effective March 13, 2012 (revision took place on March 7, 2012). AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7119&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/488",
   "title": "AD Category-II: Forex Prepaid Cards & Nostro Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-488/",
   "products": [],
   "summary": "RBI now permits AD Category-II entities to issue forex prepaid cards for residents travelling abroad and to open Nostro accounts (one per currency) for settling permissible remittances, subject to KYC/AML/CFT norms and reporting requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7112&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/485",
   "title": "NBFCs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-485/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN 1988 Sanctions List (Taliban-linked individuals/entities). Before opening new accounts, check customer names against this list; also scan existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7111&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/487",
   "title": "RBI Updates NBFCs on FATF AML/CFT Jurisdiction Risks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-487/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to review FATF's updated February 2012 statement on AML/CFT deficiencies in certain jurisdictions, but clarifies this does not block legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7110&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/486",
   "title": "NBFCs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-486/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida Sanctions List. Before opening new accounts, check customer names against this list. Also, review existing accounts to ensure no linked entities are present.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7109&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/484",
   "title": "RBI Revamps Gold Import Reporting for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-484/",
   "products": [],
   "summary": "RBI has replaced the monthly gold import statement with two new formats: a half-yearly statement (March/September) and a monthly statement, both due by the 10th of the following period. This rationalizes reporting for nominated banks, EOUs, and SEZs in the gem and jewellery sector.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7108&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/483",
   "title": "PPF and SCSS Interest Rate Hike for FY 2012-13",
   "url": "https://bankpulse.ai/c/rbi-2011-12-483/",
   "products": [],
   "summary": "RBI notifies banks that PPF rate rises from 8.6% to 8.8% p.a. and SCSS rate from 9.0% to 9.3% p.a., effective April 1, 2012, for the financial year 2012-13.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7107&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:58 IST",
   "published_at_iso": "2026-06-20T03:58:00+05:30"
  },
  {
   "ref": "RBI/2011-12/508",
   "title": "RBI Tightens AML/CFT Checks on Cross-Border Remittances via MTSS",
   "url": "https://bankpulse.ai/c/rbi-2011-12-508/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to factor in FATF's February 2012 statement on AML/CFT deficiencies in certain jurisdictions when processing cross-border inward remittances. Sub-agents must also comply; Indian Agents bear full responsibility for adherence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7142&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/507",
   "title": "RBI Alert: FATF Statement on AML/CFT Risks – Money Changing Activities",
   "url": "https://bankpulse.ai/c/rbi-2011-12-507/",
   "products": [],
   "summary": "RBI directs authorised persons to consider FATF's February 16, 2012 statement on AML/CFT deficiencies in certain jurisdictions, while not prohibiting legitimate transactions. Agents and franchisees must also comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7141&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/506",
   "title": "KYC Update: New Documents for Proprietary Concern Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-506/",
   "products": [],
   "summary": "RBI adds complete Income Tax return and utility bills (electricity, water, landline) to the indicative KYC document list for proprietary concern accounts. Banks must accept these as valid proof of business existence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7140&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/505",
   "title": "Repo Rate Cut: Standing Liquidity Facilities Cheaper by 50 bps",
   "url": "https://bankpulse.ai/c/rbi-2011-12-505/",
   "products": [],
   "summary": "RBI cut the repo rate by 50 bps to 8.00% effective April 17, 2012. Standing liquidity facilities for banks (export credit refinance) and Primary Dealers (collateralised liquidity support) are now available at this lower rate, reducing borrowing costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7139&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/504",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-504/",
   "products": [],
   "summary": "RBI directs State/Central Co-operative Banks and RRBs to update their UN Al-Qaida sanctions list per new UNSC changes, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7138&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/503",
   "title": "RBI Cuts Repo Rate by 50 bps, Expands MSF Borrowing Limit",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-503/",
   "products": [],
   "summary": "RBI reduced the repo rate by 50 bps to 8.00% effective immediately. The reverse repo rate adjusted to 7.00% and MSF rate to 9.00%. Banks' MSF borrowing limit was doubled to 2% of NDTL to enhance liquidity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7137&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/501",
   "title": "UAPA Sanctions List Update: Al-Qaida Designations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-501/",
   "products": [],
   "summary": "RBI directs banks to update UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7130&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/500",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-500/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update UN Al-Qaida sanctions list, screen new and existing accounts, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt to regional offices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7129&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/499",
   "title": "Brickwork Ratings Now Approved for Capital Adequacy Risk Weighting",
   "url": "https://bankpulse.ai/c/rbi-2011-12-499/",
   "products": [],
   "summary": "RBI has added Brickwork Ratings India Pvt. Ltd. as a fifth accredited credit rating agency for risk weighting banks' claims under Basel II. Banks can now use Brickwork's long-term and short-term ratings for capital adequacy purposes, with the same rating-risk weight mapping as existing agencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7128&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/498",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-498/",
   "products": [],
   "summary": "RBI mandates banks to update and screen customers against the latest UN Al-Qaida sanctions list. New accounts must be checked, and existing accounts scanned for matches. Freeze assets of designated individuals/entities per earlier UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7127&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-2012/496",
   "title": "NEFT Must Be Accepted for Loan Repayments",
   "url": "https://bankpulse.ai/c/rbi-2011-2012-496/",
   "products": [],
   "summary": "RBI mandates all banks to accept NEFT credits for loan EMI repayments, ending restrictive practices where only a few banks refused this electronic mode despite accepting ECS debits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7125&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:51 IST",
   "published_at_iso": "2026-06-20T03:51:00+05:30"
  },
  {
   "ref": "RBI/2011-12/520",
   "title": "ECB Refinancing: Higher All-in-Cost Now Allowed Under Approval Route",
   "url": "https://bankpulse.ai/c/rbi-2011-12-520/",
   "products": [],
   "summary": "RBI now permits borrowers to refinance or reschedule existing ECB at a higher all-in-cost, provided it stays within the prescribed ceiling, but only under the approval route. Earlier, only lower-cost refinancing was allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7154&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/519",
   "title": "ECB Policy Liberalisation for Power and Toll Projects",
   "url": "https://bankpulse.ai/c/rbi-2011-12-519/",
   "products": [],
   "summary": "RBI has liberalised ECB norms: power firms can refinance up to 40% of fresh ECB for rupee loans, and toll road/highway maintenance and operations are now eligible for ECB under automatic route if part of original project.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7153&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/518",
   "title": "Exim Bank's $15 mn Line of Credit to Togo for Rural Electrification",
   "url": "https://bankpulse.ai/c/rbi-2011-12-518/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 15 million Line of Credit to the Government of Togo for financing a Rural Electrification Project. At least 75% of contract value must be sourced from India. Last date for LC opening/disbursement is 48 months for project exports, 72 months for s",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7152&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/517",
   "title": "Bank Rate Cut to 9%: Penal Rates on Reserve Shortfalls Revised",
   "url": "https://bankpulse.ai/c/rbi-2011-12-517/",
   "products": [],
   "summary": "RBI cut the Bank Rate by 50 bps to 9.00% effective April 17, 2012. Penal interest rates on reserve shortfalls linked to Bank Rate are reduced accordingly. RRBs and co-operative banks must apply the new rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7151&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/516",
   "title": "MICR and IFSC Codes Now Mandatory on Passbooks and Statements",
   "url": "https://bankpulse.ai/c/rbi-2011-12-516/",
   "products": [],
   "summary": "RBI mandates banks to print MICR and IFSC codes on passbooks and account statements, not just cheques. This ensures customers have these codes handy for ECS, NEFT, and RTGS transactions. Banks must comply and report within 15 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7150&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/515",
   "title": "Bank Rate Cut by 50 bps to 9.00% from April 17, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-515/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 50 basis points to 9.00% effective April 17, 2012, as per the Monetary Policy Statement 2012-13. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7149&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/514",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-514/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their records with the latest UN Al-Qaida Sanctions List, screen new and existing accounts, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7148&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/513",
   "title": "ECS Debit Mandate: Banks Must Accept Customer Withdrawal Instructions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-513/",
   "products": [],
   "summary": "RBI mandates banks to accept customer withdrawal of ECS debit mandates without requiring beneficiary approval, treat as stop payment, and ensure no further debits. Banks must authenticate and store mandates, enforce customer-set limits, and stop debits on withdrawal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7147&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/512",
   "title": "AD Category II: Nostro Account Approval Process",
   "url": "https://bankpulse.ai/c/rbi-2011-12-512/",
   "products": [],
   "summary": "AD Category-II entities can now approach RBI for one-time approval to open and operate Nostro accounts. This expands their forex capabilities beyond earlier limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7146&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/511",
   "title": "KYC Update: New Documents for Proprietary Concern Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-511/",
   "products": [],
   "summary": "RBI has added two documents to the KYC list for proprietary concern accounts: complete Income Tax return (not just acknowledgement) in the proprietor's name showing firm income, and utility bills (electricity, water, landline) in the concern's name.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7145&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/510",
   "title": "CIBIL gets RBI registration as credit information company",
   "url": "https://bankpulse.ai/c/rbi-2011-12-510/",
   "products": [],
   "summary": "RBI granted a Certificate of Registration to Credit Information Bureau (India) Limited (CIBIL) on March 5, 2012, allowing it to operate as a credit information company. Regional Rural Banks must note this for their credit reporting and data sharing processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7144&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/509",
   "title": "MSF borrowing limit raised to 2% of NDTL",
   "url": "https://bankpulse.ai/c/rbi-2011-12-509/",
   "products": [],
   "summary": "RBI raised the MSF borrowing limit for scheduled commercial banks from 1% to 2% of NDTL, effective April 17, 2012, to provide greater liquidity cushion. Banks can access overnight funds against excess SLR holdings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7143&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:40 IST",
   "published_at_iso": "2026-06-20T03:40:00+05:30"
  },
  {
   "ref": "RBI/2011-12/532",
   "title": "Exim Bank's USD 70 Million Line of Credit to Republic of Congo",
   "url": "https://bankpulse.ai/c/rbi-2011-12-532/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 70 million Line of Credit to the Republic of Congo for a rural electrification project. At least 75% of contract value must be sourced from India. Disbursement timelines and commission rules are specified.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7176&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/531",
   "title": "NBFCs Must Update UNSCR 1267/1989 Al-Qaida Sanctions List for UAPA Section 51-A Compliance",
   "url": "https://bankpulse.ai/c/rbi-2011-12-531/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UNSCR 1267/1989 Committee's Al-Qaida sanctions list as circulated by RBI. Before opening new accounts, check proposed customers against this list and scan existing accounts for any matches. Non-compliance risks regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7175&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/530",
   "title": "Basel III Capital Regulations Final Guidelines Issued",
   "url": "https://bankpulse.ai/c/rbi-2011-12-530/",
   "products": [],
   "summary": "RBI issued final Basel III capital guidelines effective January 1, 2013, with full implementation by March 31, 2018. Banks must plan for phased capital requirements and disclose both Basel II and Basel III ratios for FY2012-13.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7174&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/529",
   "title": "Exim Bank's USD 80 mn Line of Credit to Burundi for Hydro Project",
   "url": "https://bankpulse.ai/c/rbi-2011-12-529/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 80 million Line of Credit to Burundi for the Kabu Hydro Electric Project. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7173&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/528",
   "title": "Intra-Bank Account Portability: KYC Once, Transfer Anywhere",
   "url": "https://bankpulse.ai/c/rbi-2011-12-528/",
   "products": [],
   "summary": "RBI mandates that banks must allow customers to transfer accounts between branches without reopening or redoing full KYC, as long as initial KYC was complete. Only fresh address proof is needed on transfer. This applies to all scheduled commercial banks (excluding RRBs) and local area banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7167&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/527",
   "title": "Priority Sector Lending: Housing Loan Limit for RRBs Doubled to Rs 10 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2011-12-527/",
   "products": [],
   "summary": "RBI has raised the per-loan limit from Rs 5 lakh to Rs 10 lakh for bank loans to NHB-approved non-governmental agencies for housing construction or slum rehabilitation. This applies to loans sanctioned from April 27, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7166&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/526",
   "title": "Bank Rate Cut to 9.00% for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-526/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 50 bps to 9.00% effective April 17, 2012, following the Monetary Policy Statement 2012-13. Penal interest rates on reserve shortfalls linked to the Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7165&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/525",
   "title": "UCBs Get Higher Housing Loan Limit Under Priority Sector",
   "url": "https://bankpulse.ai/c/rbi-2011-12-525/",
   "products": [],
   "summary": "RBI raised the housing loan cap for UCBs' additional 5% asset exposure from ₹15 lakh to ₹25 lakh per individual, aligning it with priority sector lending. This expands affordable housing finance scope for urban co-operative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7164&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/524",
   "title": "Priority Sector Lending: Housing Loan Limit Doubled to Rs 10 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2011-12-524/",
   "products": [],
   "summary": "RBI raised the per-loan limit for bank credit to NHB-approved non-governmental agencies for housing from Rs 5 lakh to Rs 10 lakh, effective April 25, 2012. This expands priority sector lending scope for indirect housing finance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7163&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/523",
   "title": "ECB for Civil Aviation: Working Capital Now Allowed",
   "url": "https://bankpulse.ai/c/rbi-2011-12-523/",
   "products": [],
   "summary": "RBI now permits scheduled airlines to raise ECB for working capital under approval route, up to USD 1 billion sector-wide and USD 300 million per airline, with a 3-year minimum maturity. This is a one-time window valid for 12 months from April 24, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7162&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/521",
   "title": "AML/CFT Standards Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-521/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to consider FATF's updated statement (February 16, 2012) on AML/CFT deficiencies in certain jurisdictions, while allowing legitimate trade. Principal Officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7155&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:35 IST",
   "published_at_iso": "2026-06-20T03:35:00+05:30"
  },
  {
   "ref": "RBI/2011-12/544",
   "title": "Mandatory Machine Processing of ₹100+ Notes at All Branches",
   "url": "https://bankpulse.ai/c/rbi-2011-12-544/",
   "products": [],
   "summary": "RBI now requires all bank branches to machine-process ₹100 and higher denomination notes for authenticity before re-circulation, removing the earlier threshold of ₹50 lakh daily cash receipts. Non-compliance is a directive violation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7193&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/543",
   "title": "RRBs: FCNR(B) Deposit Rates Hiked by 75-175 bps",
   "url": "https://bankpulse.ai/c/rbi-2011-12-543/",
   "products": [],
   "summary": "RBI raised FCNR(B) deposit rate ceilings for RRBs: 1-3 year maturity now LIBOR/Swap +200 bps (up from +125 bps), and 3-5 year maturity now LIBOR/Swap +300 bps (up from +125 bps). Effective from May 4, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7192&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/542",
   "title": "FDI in Commodity Exchanges & NBFC Leasing: Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2011-12-542/",
   "products": [],
   "summary": "RBI eased FDI rules for commodity exchanges: FIIs no longer need government approval, only FDI component requires FIPB nod. Also clarified that 100% FDI under automatic route in NBFC 'leasing and finance' covers only financial leases, not operating leases.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7191&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/541",
   "title": "RBI bars FDI via conversion of imported second-hand machinery",
   "url": "https://bankpulse.ai/c/rbi-2011-12-541/",
   "products": [],
   "summary": "RBI has stopped allowing FDI through conversion of imported second-hand machinery into equity shares under the Government route, effective May 8, 2012. Only new, state-of-the-art, green, clean, and energy-efficient machinery can now be used for such conversions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7190&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/540",
   "title": "RBI Finalises Securitisation Guidelines with Lock-in and Retention Norms",
   "url": "https://bankpulse.ai/c/rbi-2011-12-540/",
   "products": [],
   "summary": "RBI issued final securitisation guidelines on May 7, 2012, mandating a minimum lock-in period and retention criteria for securitised loans originated and purchased by banks and NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7184&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/539",
   "title": "ECB: Mandatory Bifurcation of Rupee vs Forex Spend at LRN Stage",
   "url": "https://bankpulse.ai/c/rbi-2011-12-539/",
   "products": [],
   "summary": "RBI now requires borrowers to declare how ECB proceeds will be split between foreign currency and rupee expenditure when applying for a Loan Registration Number. Banks must ensure rupee funds are repatriated to India immediately after drawdown.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7183&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/538",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-538/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7182&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/537",
   "title": "Miscellaneous Remittance Limit Raised to USD 25,000",
   "url": "https://bankpulse.ai/c/rbi-2011-12-537/",
   "products": [],
   "summary": "RBI has raised the documentation-free limit for miscellaneous foreign exchange remittances from USD 5,000 to USD 25,000. ADs can now process such current account transactions (outside Schedules I & II) with just a simple letter from the applicant, no A2 form needed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7181&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/536",
   "title": "NRO to NRE Fund Transfer Allowed Up to $1 Million",
   "url": "https://bankpulse.ai/c/rbi-2011-12-536/",
   "products": [],
   "summary": "RBI now permits NRIs/PIOs to transfer funds from NRO to NRE accounts up to USD 1 million per financial year, subject to applicable taxes. This reverses the earlier ban on such transfers, easing repatriation for non-residents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7180&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/535",
   "title": "FCNR(B) Deposit Rates Hiked: Up to 300 bps Over LIBOR",
   "url": "https://bankpulse.ai/c/rbi-2011-12-535/",
   "products": [],
   "summary": "RBI raised FCNR(B) deposit interest ceilings from LIBOR/Swap plus 125 bps to 200 bps (1-3 years) and 300 bps (3-5 years), effective May 4, 2012. Floating rate deposits have a six-month reset period. This aims to attract foreign currency inflows.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7179&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/534",
   "title": "RBI Deregulates Interest Rates on Export Credit in Foreign Currency",
   "url": "https://bankpulse.ai/c/rbi-2011-12-534/",
   "products": [],
   "summary": "From May 5, 2012, banks can set their own interest rates on export credit in foreign currency, replacing earlier regulated rates. This aims to boost fund availability for exporters by giving lenders pricing flexibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7178&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/533",
   "title": "Exim Bank's USD 382.37 mn Line of Credit to Sri Lanka",
   "url": "https://bankpulse.ai/c/rbi-2011-12-533/",
   "products": [],
   "summary": "RBI notified AD Category-I banks about Exim Bank's USD 382.37 million Line of Credit to Sri Lanka for railway projects. Banks must advise exporters on terms, including 75% Indian content, no agency commission, and GR/SDF form declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7177&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-20T03:26:00+05:30"
  },
  {
   "ref": "RBI/2011-12/556",
   "title": "Brickwork Ratings added as eligible credit rating agency for IFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-556/",
   "products": [],
   "summary": "RBI now permits Infrastructure Finance Companies (IFCs) to obtain the required minimum ‘A’ credit rating from Brickwork Ratings India Pvt. Ltd., alongside CRISIL, FITCH, CARE and ICRA, as per the amended prudential norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7205&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/553",
   "title": "Revised Kisan Credit Card Scheme 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-553/",
   "products": [],
   "summary": "RBI issued a revised KCC scheme based on the T.M. Bhasin Working Group recommendations, simplifying and modernizing the product for electronic cards. All scheduled commercial banks (excluding RRBs) must implement the new scheme immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7204&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/555",
   "title": "RBI Adds Brickwork Ratings as Approved Agency for NBFC Fixed Deposits",
   "url": "https://bankpulse.ai/c/rbi-2011-12-555/",
   "products": [],
   "summary": "RBI now allows NBFCs to use Brickwork Ratings India Pvt. Ltd. for rating their fixed deposit portfolios, with a minimum investment grade of BWR F A. This expands the list of approved credit rating agencies under the 1998 Public Deposits Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7203&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/552",
   "title": "KYC Update: New Documents for Proprietary Concern Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-552/",
   "products": [],
   "summary": "RBI adds Income Tax Return (full) and utility bills to the KYC document list for proprietary concern accounts at Primary Urban Co-operative Banks, effective from the date of the circular (May 11, 2012).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7201&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/551",
   "title": "RBI Circular on Transfer of Borrowal Accounts from One Bank to Another (May 2012)",
   "url": "https://bankpulse.ai/c/rbi-2011-12-551/",
   "products": [],
   "summary": "This RBI circular dated May 10, 2012, requires banks to put in place a Board-approved policy for take-over of accounts from another bank and mandates sharing of credit information in a prescribed format between transferor and transferee banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7200&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/550",
   "title": "UAPA Section 51-A: Updated Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-550/",
   "products": [],
   "summary": "RBI mandates banks to update and screen customers against the latest UN Al-Qaida sanctions list under UAPA, 1967. New accounts must be checked, existing accounts scanned, and funds frozen per earlier guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7199&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/549",
   "title": "Exim Bank's USD 13 mn Line of Credit to Mozambique",
   "url": "https://bankpulse.ai/c/rbi-2011-12-549/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 13 million Line of Credit to Mozambique for a solar module plant. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow GR/SDF declaration rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7198&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/548",
   "title": "PSOs Must Screen Accounts Against Updated Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-548/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update their records with the latest UN Al-Qaida sanctions list and screen both new and existing accounts for matches, ensuring no linked accounts remain open.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7197&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/547",
   "title": "EEFC Account: Retention Limit Reduced to 50%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-547/",
   "products": [],
   "summary": "RBI has reduced the EEFC account retention limit from 100% to 50% of forex earnings. Existing balances above 50% must be converted to rupees within a fortnight. This aims to curb foreign currency asset holding and align with capital account convertibility norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7196&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/546",
   "title": "RBI Eases Intra-Day Forex Position Limits for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-546/",
   "products": [],
   "summary": "RBI has raised the intra-day open position limit for AD Category-I banks to five times their Net Overnight Open Position Limit or the existing approved intra-day open position limit, whichever is higher, for rupee-involved positions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7195&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/545",
   "title": "FCNR(B) Funds for Rupee Loans: New End-Use Rules",
   "url": "https://bankpulse.ai/c/rbi-2011-12-545/",
   "products": [],
   "summary": "RBI now allows banks to use FCNR(B) deposits for rupee working capital or capital expenditure loans to exporters or corporates who have a natural hedge or a risk management policy for managing exchange risk, in addition to existing permissible uses for foreign exchange requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7194&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-20T03:18:00+05:30"
  },
  {
   "ref": "RBI/2011-12/570",
   "title": "Revised Agency Commission for Government Transactions",
   "url": "https://bankpulse.ai/c/rbi-2011-12-570/",
   "products": [],
   "summary": "RBI has revised agency commission rates for banks handling government transactions, effective July 1, 2012. Physical receipts commission rises to ₹50, e-mode receipts drop to ₹12, pension payments go to ₹65, and other payments fall to 5.5 paise per ₹100 turnover.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7229&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/567",
   "title": "Priority Sector Lending: Housing Loan Limit Doubled to ₹10 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2011-12-567/",
   "products": [],
   "summary": "RBI has doubled the per-dwelling-unit loan ceiling for indirect housing finance via NHB-approved agencies from ₹5 lakh to ₹10 lakh, effective May 18, 2012. This expands priority sector classification eligibility for UCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7221&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/566",
   "title": "Ultra Small Branches for BC Operations: RBI 2012 Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2011-12-566/",
   "products": [],
   "summary": "RBI advises banks to set up Ultra Small Branches (USBs) between base branches and BC locations to support about 8-10 BC units within a reasonable distance of 3-4 km. These low-cost brick-and-mortar outlets, managed by bank staff, must have CBS terminal, passbook printer, and cash safe to improve ove",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7220&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/565",
   "title": "RBI Hikes FCNR(B) Deposit Rates for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-565/",
   "products": [],
   "summary": "RBI raised FCNR(B) deposit rate ceilings for AD Category-1 UCBs: 1-3 year deposits now LIBOR/Swap plus 200 bps (from 125 bps), and 3-5 year deposits at plus 300 bps (from 125 bps), effective May 4, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7219&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/564",
   "title": "EEFC Balance Conversion: Netting Off Clarified",
   "url": "https://bankpulse.ai/c/rbi-2011-12-564/",
   "products": [],
   "summary": "RBI clarifies that the mandatory 50% conversion of EEFC balances to rupees applies only to available balances after netting off earmarked amounts for forward/option contracts booked before May 10, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7218&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/563",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2011-12-563/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list and screen all new and existing accounts against it, ensuring no accounts are linked to designated individuals or entities, with strict compliance to UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7217&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/562",
   "title": "FDI in NBFC: Operating Leases Excluded from Automatic Route",
   "url": "https://bankpulse.ai/c/rbi-2011-12-562/",
   "products": [],
   "summary": "RBI clarifies that 'operating leases' are not covered under the NBFC activity 'leasing and finance' for 100% FDI via automatic route. Only 'financial leases' qualify, subject to minimum capitalisation norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7216&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/561",
   "title": "Rupee Value of Special Currency Basket Revised to Rs 73.305676",
   "url": "https://bankpulse.ai/c/rbi-2011-12-561/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs 73.305676, effective April 26, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7210&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/560",
   "title": "RBI Advises Banks to Review Percentage-Based Cheque Collection Charges",
   "url": "https://bankpulse.ai/c/rbi-2011-12-560/",
   "products": [],
   "summary": "RBI has advised banks that currently levy collection charges as a percentage of cheque value for outstation and speed clearing above ₹1 lakh to review and fix charges on a cost-plus basis. Banks violating earlier instructions under Section 18 of PSS Act are directed to comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7209&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/559",
   "title": "Cheque Clearing Guidelines for Non-Clearing House Locations",
   "url": "https://bankpulse.ai/c/rbi-2011-12-559/",
   "products": [],
   "summary": "RBI issued formal guidelines for cheque clearing at locations without a formal clearing house, mandating daily bilateral exchange, same-day fate confirmation, and shadow credit to customers. Banks must submit monthly compliance reports starting October 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7208&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/558",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-558/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the latest UN Al-Qaida sanctions list under UAPA, 1967. New accounts must be checked, existing accounts scanned, and any matches frozen per earlier procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7207&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/557",
   "title": "CIC Guarantees: RBI Clarifies Public Funds & Registration Rules",
   "url": "https://bankpulse.ai/c/rbi-2011-12-557/",
   "products": [],
   "summary": "RBI clarifies that unregistered CICs with assets over Rs.100 crore must not access public funds without obtaining a Certificate of Registration. Exempt CICs must pass a board resolution stating they will not access public funds in the future. Guarantees for group entities are allowed only if obligat",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7206&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:09 IST",
   "published_at_iso": "2026-06-20T03:09:00+05:30"
  },
  {
   "ref": "RBI/2011-12/582",
   "title": "UAPA Sanctions List Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-582/",
   "products": [],
   "summary": "RBI mandates urban co-op banks to update UNSCR 1988 sanctions lists for Taliban-linked entities, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7246&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/581",
   "title": "Uniform 50% risk weight for PPP and post-COD infra assets",
   "url": "https://bankpulse.ai/c/rbi-2011-12-581/",
   "products": [],
   "summary": "RBI extended the 50% risk weight benefit, earlier available only to IDF-NBFCs, to all Infrastructure Finance Companies for PPP and post-COD projects that have completed at least one year of satisfactory commercial operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7245&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/580",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-580/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update their UN Al-Qaida sanctions list with new entries from May 2012. Before opening accounts, verify customers aren't on the list; also scan existing accounts for matches. Freeze assets of designated individuals/entities as per earlier UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7244&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/579",
   "title": "KYC Norms for Proprietary Concern Accounts at NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-579/",
   "products": [],
   "summary": "RBI has specified minimum documents for NBFCs/RNBCs to verify proprietary concerns at account opening. Two documents from a prescribed list (e.g., registration certificate, tax returns, utility bills) suffice. This standardises customer identification for such entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7243&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/578",
   "title": "UAPA Sanctions List Update for Co-op Banks & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-578/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to update their records with the latest UNSCR 1988 Taliban sanctions list, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7242&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/577",
   "title": "Co-op Banks Get Freedom to Set Deposit Conversion Policies",
   "url": "https://bankpulse.ai/c/rbi-2011-12-577/",
   "products": [],
   "summary": "RBI now allows State and Central Co-operative Banks to set their own policies for converting term, daily, or recurring deposits into new term deposits, replacing the earlier mandatory no-penalty rule. This shift aims to improve banks' asset-liability management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7236&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/576",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-576/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update their UN Al-Qaida sanctions list per new UNSC changes. Before opening accounts, verify proposed customers aren't on the list; also scan existing accounts for matches. Follow earlier UAPA procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7235&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/575",
   "title": "Rupee Value of Special Currency Basket Revised to Rs. 75.594562",
   "url": "https://bankpulse.ai/c/rbi-2011-12-575/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under India-USSR Deferred Payment Protocols to Rs. 75.594562 effective May 9, 2012, from the earlier Rs. 73.305676. AD Category-I banks must update systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7234&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/574",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-574/",
   "products": [],
   "summary": "RBI mandates all RRBs and co-op banks to update their UNSCR 1267 Al-Qaida sanctions list, screen new accounts against it, and review existing accounts for matches. Freeze assets of designated individuals/entities as per earlier UAPA orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7233&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/573",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-573/",
   "products": [],
   "summary": "RBI directs banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and freeze assets of designated individuals/entities as per UAPA 1967 procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7232&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/572",
   "title": "UAPA Section 51-A: UN Taliban Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-572/",
   "products": [],
   "summary": "RBI mandates banks to update and screen accounts against the UNSCR 1988 Taliban sanctions list. New accounts must be checked; existing accounts must be scanned for matches. Freeze assets as per earlier UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7231&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/571",
   "title": "UAPA Sanctions List Update for Co-op & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-571/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to update their records with the latest UN Al-Qaida sanctions list, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7230&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-20T03:02:00+05:30"
  },
  {
   "ref": "RBI/2011-12/595",
   "title": "RBI Mandates KYC Risk Categorization & Profile Updation by March 2013",
   "url": "https://bankpulse.ai/c/rbi-2011-12-595/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) and local area banks to complete risk categorization and profile updation of all existing customers by end-March 2013, citing lax compliance and operational risk vulnerabilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7264&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/594",
   "title": "RBI mandates Unique Customer Identification Code for all bank customers",
   "url": "https://bankpulse.ai/c/rbi-2011-12-594/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks to assign a Unique Customer Identification Code (UCIC) to each customer, starting with new individual accounts, to eliminate multiple identities and enable holistic risk profiling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7263&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/593",
   "title": "PSOs must screen accounts against updated UN Al-Qaida sanctions list",
   "url": "https://bankpulse.ai/c/rbi-2011-12-593/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update their records with the latest UN Al-Qaida sanctions list and screen both new and existing accounts to ensure no designated individuals or entities are linked.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7262&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/592",
   "title": "SDS 1975 Interest Rate Revision: 8.6% and 8.8%",
   "url": "https://bankpulse.ai/c/rbi-2011-12-592/",
   "products": [],
   "summary": "RBI notifies two interest rate hikes on Special Deposit Scheme (SDS) 1975 for non-government provident, superannuation, and gratuity funds: 8.6% from Dec 1, 2011, and 8.8% from Apr 1, 2012, until further orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7261&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/591",
   "title": "RBI Tightens Rules on Unclaimed Deposits and Inoperative Accounts",
   "url": "https://bankpulse.ai/c/rbi-2011-12-591/",
   "products": [],
   "summary": "RBI mandates banks to adopt a Board-approved policy for unclaimed deposits, display accounts inactive for 10+ years on websites by June 30, 2012, and submit first periodic review to Boards by September 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7260&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/590",
   "title": "RBI Overhauls Financial Literacy Centre Scheme",
   "url": "https://bankpulse.ai/c/rbi-2011-12-590/",
   "products": [],
   "summary": "RBI replaces the FLCC model with a new FLC scheme, mandating centres in all Lead District Manager offices and requiring rural branches to conduct monthly outdoor literacy camps, aiming to scale up financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7259&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/589",
   "title": "RBI Bans Foreclosure Charges on Floating Rate Home Loans",
   "url": "https://bankpulse.ai/c/rbi-2011-12-589/",
   "products": [],
   "summary": "RBI has prohibited banks from levying foreclosure charges or prepayment penalties on floating rate home loans, effective immediately. This move aims to reduce borrower discrimination and promote competition, allowing borrowers to switch lenders without penalty.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7258&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/588",
   "title": "Bank Rate cut to 9%: SSI refinance rate revised",
   "url": "https://bankpulse.ai/c/rbi-2011-12-588/",
   "products": [],
   "summary": "RBI revised the Bank Rate to 9.00% effective April 17, 2012, and aligned the SSI refinance rate under Section 17(2)(bb) of the RBI Act to the same level. This impacts penal rates on reserve shortfalls and refinance costs for urban co-operative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7257&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/587",
   "title": "UAPA Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-587/",
   "products": [],
   "summary": "RBI directs Primary (Urban) Co-operative Banks to update their records with the latest UN Al-Qaida sanctions list and ensure no new or existing accounts are linked to listed individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7251&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/586",
   "title": "UAPA Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-586/",
   "products": [],
   "summary": "RBI directs Primary (Urban) Co-operative Banks to update their UNSCR 1988 sanctions list with new Taliban-linked entries from March and May 2012, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7250&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/584",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-584/",
   "products": [],
   "summary": "RBI mandates Primary (Urban) Co-operative Banks to update their records with the latest UN Al-Qaida sanctions list, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7248&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/583",
   "title": "UNSCR 1929 Compliance for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-583/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to cross-check account openings and transactions against the UNSCR 1929 sanctions list from the November 2011 Gazette, and report matches to RBI and FIU-India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7247&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:52 IST",
   "published_at_iso": "2026-06-20T02:52:00+05:30"
  },
  {
   "ref": "RBI/2011-12/618",
   "title": "RBI expands FII limits for govt securities and infrastructure debt",
   "url": "https://bankpulse.ai/c/rbi-2011-12-618/",
   "products": [],
   "summary": "RBI raised FII investment limit in government securities from USD 15 billion to USD 20 billion, with a new sub-limit of USD 10 billion requiring residual maturity of at least three years at first purchase, and allowed long-term investors like SWFs, multilateral agencies, endowment funds, insurance f",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7292&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/607",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-607/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update their UNSCR 1988 sanctions list with new Taliban-linked entries from June 2012. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7281&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/606",
   "title": "RBI Mandates Banking Access for Villages Under 2000 Population",
   "url": "https://bankpulse.ai/c/rbi-2011-12-606/",
   "products": [],
   "summary": "RBI directs SLBCs to prepare a roadmap for banking services in all unbanked villages with population below 2000, focusing on EBT via BCs. Banks must ensure a brick-and-mortar branch supports every 8-10 BC units within 3-4 km. Progress will be monitored.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7280&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/604",
   "title": "RRBs Banned from Charging Foreclosure Penalty on Floating Rate Home Loans",
   "url": "https://bankpulse.ai/c/rbi-2011-12-604/",
   "products": [],
   "summary": "RBI has prohibited Regional Rural Banks from levying foreclosure charges or prepayment penalties on floating rate home loans, effective immediately. This ensures uniformity across the banking system and removes a barrier for borrowers switching to cheaper loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7273&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/603",
   "title": "ECR Limit Hiked to 50% for Scheduled Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-603/",
   "products": [],
   "summary": "RBI raised the Export Credit Refinance (ECR) limit from 15% to 50% of eligible rupee export credit outstanding, effective June 30, 2012, injecting over ₹300 billion liquidity to boost export lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7272&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/602",
   "title": "RBI Bans Foreclosure Charges on Floating Rate Home Loans",
   "url": "https://bankpulse.ai/c/rbi-2011-12-602/",
   "products": [],
   "summary": "RBI has prohibited banks from levying foreclosure charges or prepayment penalties on home loans with floating interest rates, effective immediately, to ensure uniformity and reduce borrower discrimination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7271&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/601",
   "title": "RBI Raises Semi-Closed Prepaid Card Limits, Expands Utility Bill Categories",
   "url": "https://bankpulse.ai/c/rbi-2011-12-601/",
   "products": [],
   "summary": "RBI raised the limit for semi-closed prepaid instruments without full KYC from Rs 1,000 to Rs 2,000, and expanded the list of utility bills eligible for Rs 10,000 instruments without separate KYC to include broadband, cable/DTH, and government citizen services.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7270&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/600",
   "title": "RBI Mandates IT and IS Governance for Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-600/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to adopt IT and IS governance frameworks, referencing IDRBT's manual, and to implement automated data flow for returns by March 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7269&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/599",
   "title": "Unclaimed Deposits: New Board Policy Mandate for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-599/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to adopt a Board-approved policy for unclaimed deposits, including classification, grievance redressal, record keeping, and periodic review. First review must be submitted to the Board by September 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7268&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/598",
   "title": "UCIC Mandate for Co-op Banks and RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-598/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to assign a Unique Customer Identification Code (UCIC) to each individual customer—new relationships immediately, existing customers by end-May 2013—to prevent multiple identities and enable holistic risk profiling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7267&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/597",
   "title": "KYC/AML Risk Categorization Deadline for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-597/",
   "products": [],
   "summary": "RBI mandates all RRBs, StCBs, and CCBs to complete risk categorization and profile updates for all existing customers by March 31, 2013, citing lax compliance that exposes banks to operational risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7266&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/596",
   "title": "MTSS: Individual remittance cap raised to 30 per year",
   "url": "https://bankpulse.ai/c/rbi-2011-12-596/",
   "products": [],
   "summary": "RBI has increased the maximum number of inward remittances a single individual can receive under the Money Transfer Service Scheme from 12 to 30 per calendar year. This liberalisation applies to all Indian Agents and their Sub Agents under MTSS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7265&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:46 IST",
   "published_at_iso": "2026-06-20T02:46:00+05:30"
  },
  {
   "ref": "RBI/2011-12/620",
   "title": "ECB Form-83 Rationalised from July 1, 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-620/",
   "products": [],
   "summary": "RBI has revised Form-83 for ECB Loan Registration Number (LRN) applications effective July 1, 2012. The new format reflects past liberalisation measures. All other ECB conditions remain unchanged. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7299&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/619",
   "title": "Interest Subvention on Rupee Export Credit Extended for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-619/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for specified sectors from April 1, 2012 to March 31, 2013. UCBs with AD Category I licence must charge 2% below normal rates and submit quarterly claims with auditor certificates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7298&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/617",
   "title": "ECB Norms Relaxed for Rupee Loan Repayment & Capex",
   "url": "https://bankpulse.ai/c/rbi-2011-12-617/",
   "products": [],
   "summary": "RBI now allows manufacturing and infrastructure companies with consistent forex earnings to use ECB for repaying domestic rupee loans or fresh capex, under approval route, up to USD 10 billion aggregate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7291&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/616",
   "title": "CCIL Reporting Platform for OTC FX Derivatives Goes Live July 9",
   "url": "https://bankpulse.ai/c/rbi-2011-12-616/",
   "products": [],
   "summary": "From July 9, 2012, all Category-I AD banks must report inter-bank OTC USD-INR forwards, FX swaps, and FCY-INR options on CCIL's new platform in hourly batches within 30 minutes of the hour. Outstanding positions as of that date must be reported by July 31, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7290&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/615",
   "title": "RBI expands notional short sale rules for G-Sec HFT portfolios",
   "url": "https://bankpulse.ai/c/rbi-2011-12-615/",
   "products": [],
   "summary": "RBI now permits banks to execute notional short sales from HFT portfolios even if the same security is held in HFT, provided the short is covered via outright purchase or reverse repo, not using existing HFT holdings for delivery.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7289&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/614",
   "title": "UAPA Sanctions List Update for Co-op Banks & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-614/",
   "products": [],
   "summary": "RBI directs all State/Central Co-operative Banks and RRBs to update their records with the latest UN Al-Qaida sanctions list, screen new accounts against it, and review existing accounts for matches, as per UAPA 1967 procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7288&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/613",
   "title": "Revised FLA Return Format & E-filing Effective Immediately",
   "url": "https://bankpulse.ai/c/rbi-2011-12-613/",
   "products": [],
   "summary": "RBI has revised the annual Foreign Liabilities and Assets (FLA) return format for Indian companies with FDI or overseas investments. An easy-to-fill soft form with validations is now available on the RBI website; returns must be emailed by July 15 every year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7287&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/612",
   "title": "RBI Allows Non-Banks to Set Up White Label ATMs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-612/",
   "products": [],
   "summary": "RBI now permits non-bank entities to own and operate White Label ATMs (WLAs) in India, aiming to expand ATM reach in Tier III-VI centres. Operators need RBI authorisation under PSS Act, minimum net worth of Rs 100 crore as per the latest audited balance sheet (maintained at all times), and must conn",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7286&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/611",
   "title": "RRBs Must Strengthen IT and IS Governance: RBI Directive",
   "url": "https://bankpulse.ai/c/rbi-2011-12-611/",
   "products": [],
   "summary": "RBI directs all Regional Rural Banks to implement robust IT and Information Security governance frameworks, referencing IDRBT's manual, and ensure Board-level oversight of governance, security, and business continuity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7285&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/610",
   "title": "RBI Requests RRBs to Open Aadhaar-Enabled Accounts for All Beneficiaries",
   "url": "https://bankpulse.ai/c/rbi-2011-12-610/",
   "products": [],
   "summary": "RBI requests all Regional Rural Banks to open Aadhaar Enabled Bank Accounts (AEBA) for every beneficiary, including those in villages with under 2,000 population, to meet EBT timelines for MGNREGA wages, social security, and subsidy transfers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7284&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/608",
   "title": "Interest Subvention on Rupee Export Credit Extended for FY 2012-13",
   "url": "https://bankpulse.ai/c/rbi-2011-12-608/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for eight sectors from April 1, 2012 to March 31, 2013. Banks must reduce lending rates by the subvention amount, subject to a 7% floor, and pass full benefit to eligible exporters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7283&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2011-12/609",
   "title": "Update on Al-Qaida Sanctions List Under UAPA Section 51-A",
   "url": "https://bankpulse.ai/c/rbi-2011-12-609/",
   "products": [],
   "summary": "RBI directs banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7282&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:37 IST",
   "published_at_iso": "2026-06-20T02:37:00+05:30"
  },
  {
   "ref": "RBI/2012-13/4",
   "title": "Master Circular on NRI/PIO Property Acquisition (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-4/",
   "products": [],
   "summary": "RBI's 2012 Master Circular consolidates rules for NRIs/PIOs buying immovable property in India (excluding farm/plantation land). NRIs can purchase via inward remittance or NRE/FCNR/NRO accounts. PIOs can also acquire by gift or inheritance. Banks must ensure compliance with FEMA 21/2000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7311&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/3",
   "title": "Master Circular on Rupee/Foreign Currency Vostro Accounts for Exchange Houses",
   "url": "https://bankpulse.ai/c/rbi-2012-13-3/",
   "products": [],
   "summary": "RBI consolidated guidelines for AD Category-I banks on opening and maintaining Rupee/Foreign Currency Vostro accounts for non-resident Exchange Houses. Key rules: prior RBI approval for first arrangement, external audit may be done after 20 RDAs, and compliance with FATF standards with specific proc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7310&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/2",
   "title": "Master Circular on NRO Accounts: Key Instructions for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-2/",
   "products": [],
   "summary": "RBI consolidated all NRO account rules into a single Master Circular (July 2012). It covers eligibility, account types, joint holdings, permissible credits/debits, remittances, loans, and tax compliance. Banks must follow these instructions until the circular is replaced on July 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7309&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/1",
   "title": "Master Circular on Money Transfer Service Scheme (MTSS)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-1/",
   "products": [],
   "summary": "RBI consolidated MTSS rules for inward personal remittances only. Indian Agents must be AD-I, AD-II, or FFMC. No outward remittances allowed. Circular valid until June 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7308&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/628",
   "title": "CRR on FCNR(B): Switch to RBI Reference Rate from FEDAI Rate",
   "url": "https://bankpulse.ai/c/rbi-2011-12-628/",
   "products": [],
   "summary": "RBI replaces FEDAI indicative rates with its own Reference Rate for converting FCNR(B) deposits into rupee equivalents for CRR calculation, effective from the reporting fortnight beginning July 13, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7307&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/627",
   "title": "Exim Bank's USD 50 Million Line of Credit to Zambia",
   "url": "https://bankpulse.ai/c/rbi-2011-12-627/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 50 million line of credit to Zambia for pre-fabricated health posts. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow GR/SDF declaration rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7306&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/626",
   "title": "FDI Sectoral Caps and Conditions Updated for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-626/",
   "products": [],
   "summary": "RBI aligned FEMA sectoral FDI norms with the latest Consolidated FDI Policy Circular (1 of 2012). Revised Annex A and B now reflect updated entry conditions, sectoral caps, and prohibited sectors. AD Category-I banks must update internal compliance and advise customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7305&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/625",
   "title": "RBI Caps Debit Card MDR at 0.75%-1% from July 2012",
   "url": "https://bankpulse.ai/c/rbi-2011-12-625/",
   "products": [],
   "summary": "RBI capped debit card MDR at 0.75% for transactions up to Rs 2,000 and 1% for above Rs 2,000, effective July 1, 2012. This separate, lower structure aims to boost debit card usage at smaller merchants and expand acceptance infrastructure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7304&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/624",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2011-12-624/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update the UN Al-Qaida sanctions list, screen new accounts against it, and scan existing accounts for matches. Freeze assets of designated individuals/entities as per earlier UAPA orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7303&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/623",
   "title": "RBI phases out Tier-III capital for standalone PDs",
   "url": "https://bankpulse.ai/c/rbi-2011-12-623/",
   "products": [],
   "summary": "RBI has stopped standalone Primary Dealers from raising fresh Tier-III capital via short-term subordinated debt from July 1, 2012. Existing Tier-III capital can be counted until maturity. This tightens capital quality for market risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7302&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2011-12/621",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2011-12-621/",
   "products": [],
   "summary": "RBI mandates banks to update and screen customers against the latest UN Al-Qaida sanctions list under UAPA, 1967. New accounts must be checked, existing accounts scanned, and any matches frozen per earlier guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7300&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:30 IST",
   "published_at_iso": "2026-06-20T02:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/23",
   "title": "RBI Master Circular on NBFC Fraud Monitoring (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-23/",
   "products": [],
   "summary": "RBI consolidated fraud reporting norms for deposit-taking NBFCs and large NBFCs-ND-SI (asset size ≥₹100 crore). Mandates timely fraud reporting, quarterly returns, board reviews, and disclosure in balance sheets. Delays invite penal action under RBI Act, 1934.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7323&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/22",
   "title": "NBFC Auditor Report Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2012-13-22/",
   "products": [],
   "summary": "RBI consolidated NBFC Auditor Report Directions 2008 as of June 30, 2012. Auditors must submit an additional report to the board covering CoR status, asset/income pattern compliance, and other specified matters for all NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7322&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/21",
   "title": "Master Circular on Securitisation/Reconstruction Companies (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-21/",
   "products": [],
   "summary": "RBI consolidated all existing instructions for Securitisation Companies (SCs) and Reconstruction Companies (RCs) as of June 30, 2012. Key requirements include minimum owned fund of 15% of assets or Rs.100 crore (whichever lower), business commencement within 6-12 months of registration, and quarterl",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7321&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/20",
   "title": "SC/RC Management Takeover Guidelines 2010 Updated",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-20/",
   "products": [],
   "summary": "RBI updated guidelines for SCs/RCs on changing or taking over borrower management under SARFAESI Act. Key conditions: dues must be at least 25% of total assets owned by the borrower (as per latest audited balance sheet), and if multiple secured creditors, those holding not less than 75% of outstandi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7320&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/19",
   "title": "Securitisation and Reconstruction Companies Guidelines 2003 (Updated June 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-19/",
   "products": [],
   "summary": "RBI consolidated its 2003 guidelines for Securitisation and Reconstruction Companies (SCs/RCs) as of June 30, 2012. The rules cover registration, prudential norms, asset reconstruction, and NPA classification (180-day overdue). All SCs/RCs must comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7319&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/18",
   "title": "Mortgage Guarantee Companies Investment Directions 2008 (Updated as on June 30, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-18/",
   "products": [],
   "summary": "RBI consolidated the Mortgage Guarantee Companies Investment Directions 2008 as of June 30, 2012. This circular updates all existing instructions into one document, covering definitions, investment norms, and prudential requirements for MGCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7318&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/17",
   "title": "Mortgage Guarantee Companies Prudential Norms Updated till June 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-17/",
   "products": [],
   "summary": "RBI consolidated all prudential norms for Mortgage Guarantee Companies as of June 30, 2012, into a single updated notification. Key definitions include NPA classification, asset quality (doubtful, loss), and net owned fund calculation. This circular ensures compliance with the 2008 Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7317&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/16",
   "title": "RBI Updates Mortgage Guarantee Company Guidelines (2008) as of June 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-16/",
   "products": [],
   "summary": "RBI consolidated its 2008 Mortgage Guarantee Company Guidelines as amended up to June 30, 2012, into a single updated notification. This circular provides a unified reference for registration, operations, and definitions for mortgage guarantee companies under the RBI Act, 1934.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7316&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/13",
   "title": "Master Circular on Import of Goods and Services",
   "url": "https://bankpulse.ai/c/rbi-2012-13-13/",
   "products": [],
   "summary": "RBI consolidated all import-related forex rules into one Master Circular for AD Category-I banks, covering advance remittances, import evidence, gold imports, and merchanting trade. It replaced multiple circulars with a single reference document valid until July 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7315&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/9",
   "title": "Master Circular on Compounding of FEMA Contraventions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-9/",
   "products": [],
   "summary": "RBI consolidated rules for voluntarily compounding FEMA contraventions. For quantifiable contraventions, penalty up to thrice the sum involved; for non-quantifiable, up to ₹2 lakh, plus up to ₹5,000 per day for continuing violations. Compounding stops further proceedings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7314&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/8",
   "title": "Master Circular on Remittance Facilities for NRIs/PIOs/Foreign Nationals",
   "url": "https://bankpulse.ai/c/rbi-2012-13-8/",
   "products": [],
   "summary": "RBI consolidated remittance rules for NRIs, PIOs, and foreign nationals under FEMA. Key updates include definitions, current income repatriation, asset sale proceeds, and student facilities. Banks must follow these instructions until July 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7313&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/7",
   "title": "Master Circular on Foreign Entity Offices in India",
   "url": "https://bankpulse.ai/c/rbi-2012-13-7/",
   "products": [],
   "summary": "RBI consolidated rules for foreign entities setting up Liaison, Branch, or Project Offices in India under FEMA. Key criteria: profit track record (3 years for LO, 5 for BO) and minimum net worth (USD 50,000 for LO, USD 100,000 for BO). Applications routed via AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7312&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:21 IST",
   "published_at_iso": "2026-06-20T02:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/63",
   "title": "Master Circular: Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-63/",
   "products": [],
   "summary": "RBI consolidated all guidelines on guarantees, co-acceptances, and letters of credit for Primary Urban Co-operative Banks (UCBs) as of June 30, 2012. Key limits: total guarantees capped at 10% of owned resources, unsecured guarantees at 25% of owned funds or total guarantees (whichever lower), and g",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7335&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/57",
   "title": "Priority Sector Lending Master Circular for UCBs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-57/",
   "products": [],
   "summary": "RBI consolidated priority sector lending norms for Urban Co-operative Banks as of July 2012. Key categories include agriculture (direct and indirect), small enterprises, and weaker sections. Targets and sub-targets remain unchanged from prior circulars. Banks must report compliance annually.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7334&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/58",
   "title": "Master Circular on Board of Directors for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-58/",
   "products": [],
   "summary": "RBI consolidated all guidelines on UCB board composition, roles, and responsibilities as of June 30, 2012. Key updates include mandatory professional directors, clear dos and don'ts, and audit committee requirements. Banks must align their boards with these norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7332&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/54",
   "title": "RBI Master Circular: Interest Rates on Rupee Deposits for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-54/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for rupee deposits at Primary (Urban) Co-operative Banks as of June 30, 2012. Banks must pay interest only as per specified rates in Annexes 1 & 2, with conditions on savings, term, NRO, and NRE deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7331&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/49",
   "title": "RBI Master Circular on Exposure Norms for FIs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-49/",
   "products": [],
   "summary": "RBI consolidated exposure norms for Exim Bank, NABARD, NHB, and SIDBI, capping single borrower exposure at 15% of capital funds and group borrower at 40%, with refinance portfolios exempted. Effective from July 2, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7330&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/47",
   "title": "Disclosure Norms for Financial Institutions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-47/",
   "products": [],
   "summary": "RBI consolidated disclosure norms for Exim Bank, NABARD, NHB, and SIDBI, effective from FY 2000-01. These require uniform disclosures in 'Notes to Accounts' covering capital, asset quality, liquidity, and risk, enhancing transparency. Banks must ensure compliance with the updated master circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7329&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/46",
   "title": "RBI Master Circular on Resource Raising Norms for FIs (2012) - RBI/2012-13/46",
   "url": "https://bankpulse.ai/c/rbi-2012-13-46/",
   "products": [],
   "summary": "RBI consolidated resource raising norms for Exim Bank, NABARD, NHB, and SIDBI into a single master circular as of July 2, 2012, covering bonds, deposits, and money market instruments to ensure a level playing field. The umbrella limit for aggregate borrowings through term deposits, term money, CDs, ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7328&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/44",
   "title": "FCRA 2010 Guidelines for Banks: RBI Master Circular",
   "url": "https://bankpulse.ai/c/rbi-2012-13-44/",
   "products": [],
   "summary": "RBI issued a master circular consolidating guidelines under FCRA 2010, replacing the 1976 Act. Banks must ensure compliance with new rules on foreign contributions, including registration, reporting, and account maintenance. Key changes include stricter prohibitions and reporting obligations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7327&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/43",
   "title": "Master Circular on Wilful Defaulters 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-43/",
   "products": [],
   "summary": "RBI consolidated all wilful defaulter guidelines into one master circular. Banks must report defaults of ₹25 lakh and above, classify deliberate non-payment or fund siphoning as wilful default, and consider legal action for defaults over ₹1 crore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7326&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/25",
   "title": "RBI Master Circular on NBFC Corporate Governance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-25/",
   "products": [],
   "summary": "RBI consolidated all corporate governance instructions for NBFCs as of June 30, 2012. Key mandates: Audit Committee for NBFCs with assets ≥₹50 crore; Nomination Committee may be formed by NBFC-D with deposits ≥₹20 crore and NBFC-ND-SI; Risk Management Committee may be formed by NBFCs with public dep",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7325&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/24",
   "title": "Master Circular: NBFC Entry into Insurance, Credit Cards & Mutual Fund Distribution",
   "url": "https://bankpulse.ai/c/rbi-2012-13-24/",
   "products": [],
   "summary": "RBI consolidated all instructions on NBFCs entering insurance, issuing credit cards, and distributing mutual funds as of June 30, 2012. NBFCs can take up insurance agency without RBI approval if conditions met, but need prior approval for risk participation or investment. Equity in insurance JV capp",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7324&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:16 IST",
   "published_at_iso": "2026-06-20T02:16:00+05:30"
  },
  {
   "ref": "RBI/2012-13/87",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2012-13-87/",
   "products": [],
   "summary": "RBI issued a Master Circular consolidating all guidelines on SHG-Bank Linkage Programme up to June 30, 2012, emphasizing banks to treat SHG lending as a business opportunity to improve rural credit access and reduce transaction costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7348&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/86",
   "title": "Master Circular: Natural Calamity Relief Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-86/",
   "products": [],
   "summary": "RBI consolidated its 2012-13 guidelines for banks on relief measures in natural calamity areas. Banks must have standing instructions, convene DCC/SLBC meetings quickly, and coordinate with state authorities for speedy credit assistance to affected borrowers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7347&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/85",
   "title": "Priority Sector Lending Master Circular for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-85/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending instructions for RRBs into a single Master Circular as of June 30, 2012. Key targets: 60% of outstanding advances to priority sector, with 25% of that (15% of total) to weaker sections. This simplifies compliance for RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7346&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/83",
   "title": "Master Circular: Note and Coin Exchange Facilities for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-83/",
   "products": [],
   "summary": "RBI consolidated instructions on note/coin exchange at all bank branches, including soiled/mutilated notes. Designated branches (currency chests) handle mutilated notes. Soiled note definition liberalized to include two-piece notes. Banks must provide these services actively and publicize them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7345&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/59",
   "title": "Master Circular on Fraud Classification and Reporting for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-59/",
   "products": [],
   "summary": "RBI consolidated fraud reporting norms for Primary Urban Co-operative Banks as of July 2012. Frauds must be classified by type and amount, reported within prescribed timelines, and reviewed quarterly/annually by the board. Delays invite penal action under Section 47A of B.R. Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7344&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/82",
   "title": "Master Circular on Nomination for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2012-13-82/",
   "products": [],
   "summary": "RBI consolidated all nomination rules for Relief/Savings Bonds into one master circular. Investors can nominate one or more persons (including NRIs for 8% Taxable Bonds) before maturity. Agency banks must issue an acknowledgement. No nomination allowed for minor-held or fiduciary accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7343&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/81",
   "title": "Master Circular on Brokers for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2012-13-81/",
   "products": [],
   "summary": "RBI consolidated all instructions on appointment, delisting, and brokerage for Relief/Savings Bonds brokers. Key points: simple broker enrollment, no RBI name use by sub-agents, delist dormant brokers after 2 years, brokerage at Re 1 per Rs 100, no TDS, and 30-day claim settlement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7342&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/78",
   "title": "FCNR(B) Deposit Master Circular 2012: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2012-13-78/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on FCNR(B) deposits, updating previous instructions up to June 30, 2012. All scheduled commercial banks (excluding RRBs) must follow the revised guidelines on interest rates, premature withdrawals, and advances against these deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7341&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/76",
   "title": "Master Circular on CRR and SLR for SCBs (July 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-76/",
   "products": [],
   "summary": "RBI consolidated all CRR/SLR instructions for Scheduled Commercial Banks (excluding RRBs) as of June 30, 2012. The CRR rate was 4.75% of net demand and time liabilities (NDTL) from March 10, 2012. No incremental CRR was required. Compliance is monitored via statutory returns Form A (CRR) and Form VI",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7340&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/71",
   "title": "Master Circular on Credit Card Operations for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-71/",
   "products": [],
   "summary": "RBI consolidated all credit card guidelines into a single master circular, effective July 2, 2012. Banks and NBFCs must follow updated rules on card issuance, interest rates, billing, agent use, customer protection, grievance redressal, internal controls, and fraud prevention to ensure sound and cus",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7338&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/70",
   "title": "Master Circular on Interest Rates on Advances – July 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-70/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for advances into a single master circular, effective July 2, 2012. It covers base rate, floating rates, penal rates, and zero-percent schemes. Banks must follow these updated guidelines for all rupee advances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7337&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/66",
   "title": "Master Circular: Housing Finance for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-66/",
   "products": [],
   "summary": "RBI consolidated housing finance guidelines for UCBs as of July 2012, covering eligible borrowers, loan terms, and priority sector treatment. Key updates include loan limits (up to ₹30 lakh for Tier I, ₹70 lakh for Tier II UCBs), margins, and prepayment penalty rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7336&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 02:09 IST",
   "published_at_iso": "2026-06-20T02:09:00+05:30"
  },
  {
   "ref": "RBI/2012-13/45",
   "title": "KYC/AML Master Circular: Combating Financing of Terrorism",
   "url": "https://bankpulse.ai/c/rbi-2012-13-45/",
   "products": [],
   "summary": "RBI consolidated all KYC/AML/CFT instructions up to June 30, 2012 into one master circular. Banks must follow customer identification, transaction monitoring, and reporting under PMLA, 2002. Non-compliance attracts penalties under Banking Regulation Act, 1949.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7361&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/41",
   "title": "Master Circular on Financial Statement Disclosures – Notes to Accounts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-41/",
   "products": [],
   "summary": "RBI updated its master circular on disclosures in financial statements' Notes to Accounts, consolidating instructions issued up to June 30, 2012. All scheduled commercial banks (excluding RRBs) must comply with these enhanced disclosure norms, including Basel III requirements when effective.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7359&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/40",
   "title": "Master Circular: Prudential Norms for Bank Investment Portfolios (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-40/",
   "products": [],
   "summary": "RBI consolidated and updated its 2011 master circular on investment portfolio norms, covering classification (HTM, AFS, HFT), valuation, and operational guidelines for all commercial banks except RRBs, effective July 2, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7358&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/39",
   "title": "RBI Master Circular on Prudential Norms for Advances (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-39/",
   "products": [],
   "summary": "RBI consolidated all income recognition, asset classification, and provisioning norms for advances into a single master circular, effective July 2, 2012. This replaces the 2011 version and includes instructions issued up to June 30, 2012. Banks must follow these updated rules for NPA classification,",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7357&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/89",
   "title": "Master Circular: Priority Sector Credit for Minority Communities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-89/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on credit to minority communities into a single Master Circular. Banks must ensure fair credit flow to Sikhs, Muslims, Christians, Zoroastrians, and Buddhists, with special monitoring in 121 minority concentration districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7356&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/15",
   "title": "Master Circular on Foreign Investment in India (2012-13)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-15/",
   "products": [],
   "summary": "RBI consolidated all foreign investment rules—FDI, FII, NRI, venture capital—into one master circular effective July 2, 2012, with a one-year sunset clause. It covers entry routes, pricing, reporting, and partnership investments. Banks must ensure compliance with updated FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7355&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/14",
   "title": "Master Circular on Export of Goods and Services (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-14/",
   "products": [],
   "summary": "RBI consolidated all export-related FEMA instructions into a single Master Circular (No. 14/2012-13) for Category-I AD banks, effective July 2, 2012, with a one-year sunset clause. It covers declaration, realisation, repatriation, and operational guidelines for export transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7354&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/12",
   "title": "Master Circular on ECB and Trade Credits (2012-13)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-12/",
   "products": [],
   "summary": "RBI consolidated all ECB and trade credit rules into one master circular effective July 2, 2012, covering automatic and approval routes, eligible borrowers, lenders, end-uses, and reporting. It applies to all Category-I Authorised Dealer banks and Indian companies accessing foreign funds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7353&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/11",
   "title": "Master Circular on Direct Investment Abroad by Residents",
   "url": "https://bankpulse.ai/c/rbi-2012-13-11/",
   "products": [],
   "summary": "RBI consolidated rules for residents investing in overseas JVs/WOS under FEMA. Covers automatic route, funding methods, post-investment changes, and AD bank procedures. Valid until July 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7352&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/10",
   "title": "Master Circular on Money Changing Activities (2012-13)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-10/",
   "products": [],
   "summary": "RBI consolidated all money changing rules into one Master Circular (No.10/2012-13) for Authorised Persons. It covers licensing, branch approvals, franchisee appointments, KYC/AML/CFT norms, and revocation. FFMCs must be companies with minimum net owned funds. The circular had a sunset clause and was",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7351&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/6",
   "title": "Master Circular on Miscellaneous Remittances for Residents",
   "url": "https://bankpulse.ai/c/rbi-2012-13-6/",
   "products": [],
   "summary": "RBI consolidated rules for resident remittances under FEMA, covering medical, travel, and business visits. Authorised dealers can release forex up to Schedule III limits without RBI approval. The circular expires July 1, 2013, and includes the $200,000 Liberalised Remittance Scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7350&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/5",
   "title": "Master Circular on Risk Management and Inter-Bank Dealings (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-5/",
   "products": [],
   "summary": "RBI consolidated rules on forex hedging, inter-bank dealings, and NRI accounts into one master circular with a one-year sunset clause. Banks must verify underlying exposure documents within 15 days, or cancel contracts and deny gains. Non-compliance thrice in a year triggers stricter document submis",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7349&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:56 IST",
   "published_at_iso": "2026-06-20T01:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/68",
   "title": "Master Circular on Exposure Norms – July 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-68/",
   "products": [],
   "summary": "RBI consolidated all exposure norms for scheduled commercial banks (excluding RRBs) into a single master circular, updating limits for individual/group borrowers, industry sectors, and capital market exposure. Banks must align their credit policies with these updated ceilings and exemptions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7373&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/65",
   "title": "Master Circular: Prudential Norms on Capital Adequacy for UCBs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-65/",
   "products": [],
   "summary": "RBI consolidated all capital adequacy instructions for Urban Co-operative Banks (UCBs) as of June 30, 2012. Key norms include minimum capital of ₹1 lakh, share-linking to borrowings (5% unsecured, 2.5% secured), and a 12% CRAR exemption from mandatory share-linking. Basel I framework applies with 8%",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7371&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/64",
   "title": "IRAC Norms Master Circular for Urban Co-op Banks (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-64/",
   "products": [],
   "summary": "RBI consolidated all income recognition, asset classification, and provisioning norms for Primary (Urban) Co-operative Banks as of June 30, 2012. This master circular replaces the July 1, 2011 version and must be followed for NPA classification, provisioning, and income recognition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7370&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/62",
   "title": "Master Circular on Advances Management for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-62/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Urban Co-operative Banks (UCBs) into a single master circular as of July 2, 2012. Key updates include working capital assessment norms, credit administration, and restructuring guidelines. Banks must adopt board-approved credit policies and ensu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7369&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/56",
   "title": "Master Circular on Urban Co-op Bank Branch & ATM Policy",
   "url": "https://bankpulse.ai/c/rbi-2012-13-56/",
   "products": [],
   "summary": "RBI consolidated all instructions on area of operation, branch authorisation, extension counters, ATMs, and office shifting/closure for Primary Urban Co-operative Banks up to June 30, 2012. No new policy changes were introduced.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7368&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/55",
   "title": "KYC/AML/CFT Master Circular for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-55/",
   "products": [],
   "summary": "RBI consolidated KYC/AML/CFT norms for Primary Urban Co-operative Banks under PMLA 2002. Banks must have Board-approved KYC policies, identify beneficial owners, monitor suspicious transactions, and report to FIU-India. Non-compliance may attract penalties under Section 35A of the Banking Regulation",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7367&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/53",
   "title": "Master Circular on Deposit Accounts for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-53/",
   "products": [],
   "summary": "RBI consolidated all deposit account guidelines for Primary (Urban) Co-operative Banks as of June 30, 2012, covering account opening, nominations, KYC, and settlement of deceased depositor claims. Banks must follow updated norms on fraud prevention, nominee facilities, and unclaimed deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7366&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/52",
   "title": "Master Circular: CRR & SLR for Urban Co-op Banks (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-52/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR rules for Primary Urban Co-operative Banks (UCBs) as of June 30, 2012. Scheduled UCBs follow Section 42 of RBI Act for CRR; non-scheduled UCBs follow Section 18 of BR Act. SLR for all UCBs is under Section 24 of BR Act. Banks must maintain daily liquidity registers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7365&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/51",
   "title": "Master Circular on Investments by Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-51/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary Urban Co-operative Banks (UCBs) into a single master circular as of July 2, 2012. Key restrictions include a 2% of owned funds cap on shares in other co-operative societies and a 5% limit per society. This circular updates and replaces the July ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7364&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62967",
   "title": "RBI to inject ₹1 lakh crore via 3-day VRR auction on June 19",
   "url": "https://bankpulse.ai/c/rbi-doc-62967/",
   "products": [],
   "summary": "RBI will conduct a 3-day Variable Rate Repo auction for ₹1,00,000 crore on June 19, 2026, to manage short-term liquidity. Banks can bid between 9:30-10:00 AM, with reversal on June 22.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62967",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/50",
   "title": "Master Circular on Customer Service in Banks (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-50/",
   "products": [],
   "summary": "RBI consolidated all customer service instructions up to June 30, 2012 into a single Master Circular. Banks must ensure copies are available at all branches for customer reference. Key areas include deposit policies, grievance redressal, ATM complaints, and service charges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7363&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/48",
   "title": "RBI Master Circular: Investment Portfolio Norms for FIs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-48/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on prudential norms for classification, valuation, and operation of investment portfolios by all-India term lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI), effective July 2, 2012, updating all previous instructions up to June 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7362&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:54 IST",
   "published_at_iso": "2026-06-20T01:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/90",
   "title": "Master Circular on Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-90/",
   "products": [],
   "summary": "RBI issued a Master Circular consolidating all existing instructions on SRMS as of June 30, 2012. The scheme, replacing the older NSLRS (funding stopped since 2005-06), targets rehabilitation of remaining manual scavengers (3,42,468 as per survey reports) through capital subsidy, concessional loans,",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7385&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/91",
   "title": "Master Circular: SJSRY Urban Poverty Alleviation",
   "url": "https://bankpulse.ai/c/rbi-2012-13-91/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on Swarna Jayanti Shahari Rozgar Yojana (SJSRY) into a single Master Circular dated July 2, 2012. This scheme targets urban poverty through self-employment, wage employment, and skill training for the urban poor. Banks must follow the updated guidelines for le",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7384&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/88",
   "title": "Master Circular on Priority Sector Lending - Special Programmes - Swarnajayanti Gram Swarozgar Yojana (SGSY)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-88/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on Swarnajayanti Gram Swarozgar Yojana (SGSY) into a single Master Circular issued on July 2, 2012, covering lending norms, SHG formation, subsidy, and recovery for rural self-employment loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7383&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/84",
   "title": "Branch Licensing Master Circular for RRBs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-84/",
   "products": [],
   "summary": "RBI updated its Master Circular on branch licensing for Regional Rural Banks (RRBs), consolidating all instructions issued up to June 30, 2012. RRBs must seek prior RBI approval for new branches, shifts, or mergers, with NABARD and Empowered Committees playing key roles.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7382&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/80",
   "title": "Fraud Classification and Reporting Master Circular 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-80/",
   "products": [],
   "summary": "RBI issued an updated Master Circular on fraud classification and reporting for scheduled commercial banks (excluding RRBs) and select financial institutions, consolidating all instructions issued since July 2011, effective June 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7381&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/79",
   "title": "Master Circular: Loans & Advances – Statutory & Other Restrictions (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-79/",
   "products": [],
   "summary": "RBI consolidated all statutory and regulatory restrictions on loans and advances as of June 30, 2012. This master circular covers prohibitions on lending against own shares, to directors, and sector-specific caps. Banks must align credit policies with these updated rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7380&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/77",
   "title": "Master Circular on Branch Authorisation (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-77/",
   "products": [],
   "summary": "RBI consolidated all branch authorisation rules into a single Master Circular as of July 2012. Banks must follow this for opening, shifting, merging, or closing branches. Foreign banks should refer to paragraph 24. The circular updates previous guidelines issued up to June 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7379&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/75",
   "title": "Master Circular on Interest Rates for Rupee Deposits (Domestic, NRO, NRE)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-75/",
   "products": [],
   "summary": "RBI consolidated all instructions on interest rates for domestic, NRO, and NRE rupee deposits as of July 2, 2012. This master circular updates the previous 2011 version, covering minimum tenor, savings/term deposit rates, premature withdrawal, and staff/senior citizen benefits. It applies to all sch",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7378&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/74",
   "title": "Master Circular on Export Credit & Customer Service to Exporters",
   "url": "https://bankpulse.ai/c/rbi-2012-13-74/",
   "products": [],
   "summary": "RBI consolidated all export credit guidelines into a single master circular as of July 2, 2012, covering rupee and foreign currency pre/post-shipment credit, interest rates, and customer service procedures for scheduled commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7377&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/61",
   "title": "Exposure Norms & Restrictions for UCBs: Master Circular 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-61/",
   "products": [],
   "summary": "RBI consolidated exposure norms for Urban Co-operative Banks (UCBs) as of July 2012. Key limits: individual borrower exposure capped at 15% of capital funds, group borrowers at 40%. Banks must set board-approved ceilings annually, with half-yearly adjustments allowed for share capital changes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7376&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/72",
   "title": "Master Circular on Para-Banking Activities (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-72/",
   "products": [],
   "summary": "RBI consolidated all para-banking guidelines for scheduled commercial banks (excluding RRBs) into a single master circular, covering subsidiaries, insurance, mutual funds, smart cards, and more. Banks must ensure these activities are run on sound, prudent lines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7375&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/69",
   "title": "Master Circular on Guarantees and Co-acceptances 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-69/",
   "products": [],
   "summary": "RBI consolidated all guidelines on guarantees and co-acceptances for scheduled commercial banks (excluding RRBs) as of June 30, 2012. The circular updates the 2011 master circular and covers norms, fraud prevention, and risk management for contingent liabilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7374&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:41 IST",
   "published_at_iso": "2026-06-20T01:41:00+05:30"
  },
  {
   "ref": "RBI/2012-13/100",
   "title": "Master Circular on Certificates of Deposit (CDs) – 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-100/",
   "products": [],
   "summary": "RBI consolidated all CD guidelines into a single master circular. CDs are negotiable money market instruments issued by scheduled banks (ex-RRBs/LABs) and select FIs, with minimum deposit of ₹1 lakh, maturity 7 days–1 year for banks, and 1–3 years for FIs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7397&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/98",
   "title": "Master Circular on Call/Notice Money Market Operations",
   "url": "https://bankpulse.ai/c/rbi-2012-13-98/",
   "products": [],
   "summary": "RBI consolidated all existing call/notice money market guidelines into a single Master Circular. It defines eligible participants, prudential limits on borrowing and lending, interest rate freedom, and dealing hours. Banks must comply with these updated limits and reporting requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7396&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/96",
   "title": "Master Circular: Bank Finance to NBFCs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-96/",
   "products": [],
   "summary": "RBI updated its consolidated guidelines on bank lending to NBFCs, removing the Net Owned Fund-linked ceiling for registered NBFCs. Banks now have more freedom to extend working capital and term loans based on their own policies, subject to prudential exposure limits and activity restrictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7395&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/33",
   "title": "RBI Master Circular on NBFC Miscellaneous Instructions (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-33/",
   "products": [],
   "summary": "RBI consolidated all miscellaneous instructions for NBFCs issued up to June 30, 2012 into a single master circular. It covers 26 topics including ALM guidelines, nomination rules, prudential norms, and deposit-taking requirements. NBFCs must comply with these consolidated instructions immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7394&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/32",
   "title": "Master Circular: NBFC Returns to RBI",
   "url": "https://bankpulse.ai/c/rbi-2012-13-32/",
   "products": [],
   "summary": "RBI consolidated all NBFC return submission instructions into one master circular effective July 2, 2012. Deposit-taking NBFCs must file NBS-1, NBS-2, NBS-3, NBS-4, NBS-6 (for those with total assets of Rs 100 crore and above), and half-yearly ALM returns (for those with public deposits over Rs 20 c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7393&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/31",
   "title": "RBI Creates NBFC-MFI Category: Master Circular 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-31/",
   "products": [],
   "summary": "RBI formalised NBFC-MFIs as a distinct NBFC category with minimum net owned funds of ₹5 crore (₹2 crore for North East), 85% qualifying assets, and borrower income/loan caps. This codifies the Malegam Committee recommendations for microfinance regulation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7392&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/30",
   "title": "RBI Master Circular on Core Investment Companies (CICs)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-30/",
   "products": [],
   "summary": "RBI consolidated its regulatory framework for Core Investment Companies (CICs) into a single master circular, effective July 2, 2012. CICs with assets over ₹100 crore are now systemically important and must comply with registration, capital adequacy, and reporting norms, treating all share investmen",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7391&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/29",
   "title": "Master Circular: Exemptions from RBI Act, 1934 for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-29/",
   "products": [],
   "summary": "RBI updated its Master Circular on exemptions from Chapter III-B of the RBI Act, 1934, consolidating instructions as of June 30, 2012. Key exemptions cover housing finance, merchant banking, micro finance, mutual benefit, and other NBFC categories, subject to conditions like registration with SEBI o",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7390&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/28",
   "title": "NBFC Overseas Investment: RBI Master Circular 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-28/",
   "products": [],
   "summary": "RBI mandates NBFCs to obtain prior No Objection from the Department of Non-Banking Supervision (DNBS) via the Regional Office where the NBFC is registered before any overseas investment, branch, subsidiary, joint venture, or representative office. Non-compliance violates FEMA and attracts penalties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7389&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/27",
   "title": "RBI Master Circular on Fair Practices Code for NBFCs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-27/",
   "products": [],
   "summary": "RBI consolidated all Fair Practices Code instructions for NBFCs/RNBCs into a single Master Circular as of July 2, 2012, superseding the 2011 version. Key updates include rules on loan documentation, interest rate disclosure, gold loan auctions, and MFI recovery practices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7388&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/26",
   "title": "RBI Consolidates NBFC-ND-SI Instructions (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-26/",
   "products": [],
   "summary": "RBI consolidated all 2011-12 instructions for systemically important non-deposit-taking NBFCs (NBFC-ND-SI) into a single master circular. Key points: asset threshold of ₹100 crore for SI status, minimum CRAR of 12% for NBFC-ND-SI (with past requirement of 15% as of March 31, 2011), and single/group ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7387&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/92",
   "title": "Master Circular: Priority Sector Credit for SC/ST",
   "url": "https://bankpulse.ai/c/rbi-2012-13-92/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on credit facilities for Scheduled Castes and Scheduled Tribes into a single Master Circular. Banks must weight credit planning in favour of SC/ST, design special bankable schemes, and ensure sympathetic, timely loan processing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7386&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:32 IST",
   "published_at_iso": "2026-06-20T01:32:00+05:30"
  },
  {
   "ref": "RBI/2012-13/97",
   "title": "Master Circular on Export Credit Refinance Facility",
   "url": "https://bankpulse.ai/c/rbi-2012-13-97/",
   "products": [],
   "summary": "RBI consolidated export credit refinance (ECR) guidelines as of June 30, 2012. Key change: refinance limit raised from 15% to 50% of eligible outstanding export credit, effective fortnight from June 30, 2012, to boost export credit flows. ECR is at repo rate, no margin, repayable within 180 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7414&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/95",
   "title": "Master Circular: Prudential Guidelines on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-95/",
   "products": [],
   "summary": "RBI issued an updated Master Circular consolidating all prudential guidelines on capital adequacy and market discipline under the New Capital Adequacy Framework (NCAF), dated July 2, 2012. Basel III capital regulations are excluded and will apply from January 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7413&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/99",
   "title": "Master Circular on Commercial Paper Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2012-13-99/",
   "products": [],
   "summary": "RBI consolidated all CP guidelines into a master circular. Key rules: minimum tangible net worth Rs.4 crore, minimum rating A2 from specified CRAs (e.g., CRISIL, ICRA, CARE, FITCH), maturity 7 days to 1 year, minimum denomination Rs.5 lakh (and minimum investment Rs.5 lakh per investor). Issuer's bo",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7412&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/109",
   "title": "CRR on FCNR(B): RRBs to Use RBI Reference Rate",
   "url": "https://bankpulse.ai/c/rbi-2012-13-109/",
   "products": [],
   "summary": "RBI directs RRBs to use the RBI Reference Rate (12:30 pm) instead of FEDAI indicative rates for converting FCNR(B) deposits into rupee equivalents for CRR calculation, effective from the fortnight ending July 13, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7411&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/38",
   "title": "NBFC Prudential Norms Consolidated as of June 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-38/",
   "products": [],
   "summary": "RBI consolidated all prudential norms for deposit-taking NBFCs and RNBCs into a single updated notification as of June 30, 2012, superseding the 1998 directions. This circular provides a one-stop reference for income recognition, asset classification, provisioning, capital adequacy, and disclosure r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7410&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/37",
   "title": "NBFC Prudential Norms Update: July 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-37/",
   "products": [],
   "summary": "RBI consolidated the 2007 prudential norms for non-deposit taking NBFCs as of June 30, 2012. The circular updates asset classification, provisioning, capital adequacy, and disclosure requirements. It applies to all non-deposit taking NBFCs, with exemptions for certain loan, investment, and asset fin",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7409&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/36",
   "title": "NBFC Public Deposit Directions Updated as of June 30, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-36/",
   "products": [],
   "summary": "RBI consolidated all current instructions on NBFC public deposit acceptance into a single updated notification as of June 30, 2012. This replaces earlier circulars and provides a unified reference for compliance. Key areas include deposit limits, interest rate ceilings, and reporting requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7403&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/108",
   "title": "Master Circular on Priority Sector Lending (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-108/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending guidelines into a single Master Circular as of July 2, 2012, covering targets, sub-targets, and eligible categories for scheduled commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7402&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/35",
   "title": "Miscellaneous NBFC Directions 1977 Updated as on June 30, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-35/",
   "products": [],
   "summary": "RBI consolidated the 1977 Directions for Miscellaneous Non-Banking Companies as on June 30, 2012. This is a compilation of existing rules on deposit acceptance, reporting, and compliance—no new policy changes. Banks should note the updated reference for supervisory interactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7401&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/34",
   "title": "RBI Master Circular on KYC/AML for NBFCs (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-34/",
   "products": [],
   "summary": "RBI consolidated all KYC/AML/CFT guidelines for NBFCs into a single Master Circular as of July 2, 2012, covering customer identification, record-keeping, and reporting under PMLA, 2002. NBFCs must ensure board-approved policies and comply with updated rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7400&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/105",
   "title": "Penal Interest on Currency Chest Reporting Errors",
   "url": "https://bankpulse.ai/c/rbi-2012-13-105/",
   "products": [],
   "summary": "RBI mandates penal interest for delayed, wrong, or non-reporting of currency chest transactions via ICCOMS by 9 PM (chest) and 11 PM (link office). No maximum limit on penalty; ineligible amounts in chest balances or ineligible credits in current accounts also attract penal interest. Banks must ensu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7399&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/102",
   "title": "RBI Revises Agency Commission for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2012-13-102/",
   "products": [],
   "summary": "RBI has revised agency commission rates for banks handling government transactions, effective July 1, 2012. Physical receipts now earn ₹50 per transaction (up from ₹45), e-mode receipts earn ₹12 (down from ₹45), pension payments ₹65 (up from ₹60), and other payments 5.5 paise per ₹100 turnover (down",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7398&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-20T01:24:00+05:30"
  },
  {
   "ref": "RBI/2012-13/115",
   "title": "NBFCs must update UN Al-Qaida sanctions list for KYC compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-115/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, verify customer names against this list. Also, scan existing accounts to ensure no account is linked to listed individuals or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7427&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/113",
   "title": "Revised Dividend Declaration Norms for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-113/",
   "products": [],
   "summary": "RBI has relaxed dividend declaration rules for UCBs: banks meeting all five criteria (CRAR, net NPA <5%, no CRR/SLR default, full provisions, profit after adjustments) can declare dividend without prior approval. Those with net NPA between 5% and 10% may seek regional office permission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7426&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/114",
   "title": "FCCB Buyback Scheme Extended with Modifications",
   "url": "https://bankpulse.ai/c/rbi-2012-13-114/",
   "products": [],
   "summary": "RBI extends the buyback scheme for Foreign Currency Convertible Bonds (FCCBs) with a mandatory minimum discount of 5% on accreted value. Indian companies must seek RBI approval and complete buybacks by March 31, 2013. AD Category-I banks must report details via ECB-2 returns.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7425&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/112",
   "title": "UAPA Section 51-A: UNSCR 1988 Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2012-13-112/",
   "products": [],
   "summary": "RBI directs banks to update the UNSCR 1988 sanctions list for Taliban-linked entities, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7424&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/111",
   "title": "UAPA Sanctions List Update: Al-Qaida Designations",
   "url": "https://bankpulse.ai/c/rbi-2012-13-111/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the UN's Al-Qaida Sanctions List under UAPA, 1967. All new and existing accounts must be checked against this list, and any matches must be frozen as per earlier circular procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7423&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/110",
   "title": "RBI Extends Debit Card MDR Deadline to Sept 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-110/",
   "products": [],
   "summary": "RBI has extended the deadline for implementing the new Merchant Discount Rate (MDR) structure for debit card transactions to September 1, 2012, giving banks and system providers additional time to update systems and merchant agreements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7422&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/107",
   "title": "Master Circular: Capital Adequacy for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-107/",
   "products": [],
   "summary": "RBI consolidated capital adequacy and risk management guidelines for standalone Primary Dealers (PDs) into a single Master Circular as of July 2, 2012. Key change: Tier-III capital phased out from July 1, 2012, though existing holdings can continue till maturity. PDs must follow updated Tier-I and T",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7421&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/94",
   "title": "Master Circular on Use of Hindi in Public Sector Banks (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-94/",
   "products": [],
   "summary": "RBI updated its master circular on Hindi use in public sector banks, consolidating instructions issued up to June 30, 2012. Banks must continue implementing Official Language Act provisions, including bilingual correspondence, signage, and software, with quarterly progress reporting to RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7420&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/103",
   "title": "Master Circular: Pension Disbursement by Agency Banks (2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-103/",
   "products": [],
   "summary": "RBI consolidated all instructions on government pension disbursement by agency banks into a single master circular as of July 2, 2012. Key updates include faster DR payment via direct government orders to banks, discontinuation of RBI forwarding, and adoption of standard nomination forms for Central",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7418&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/93",
   "title": "Master Circular on MSME Lending – Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-93/",
   "products": [],
   "summary": "RBI consolidated all MSME lending guidelines up to June 30, 2012 into a single master circular. It adopts the MSMED Act 2006 definitions, including service enterprises, and sets investment thresholds for micro, small, and medium enterprises. Medium enterprise loans are excluded from priority sector.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7417&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/104",
   "title": "Master Circular on Counterfeit Note Detection and Impounding",
   "url": "https://bankpulse.ai/c/rbi-2012-13-104/",
   "products": [],
   "summary": "RBI consolidated instructions on detecting and impounding counterfeit notes. All bank branches and treasuries must stamp, record, and issue receipts for counterfeit notes, report to police, and train staff. Nodal officers and Forged Notes Vigilance Cells are required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7416&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/101",
   "title": "Master Circular on Direct Tax Collection via OLTAS",
   "url": "https://bankpulse.ai/c/rbi-2012-13-101/",
   "products": [],
   "summary": "RBI updated its master circular on direct tax collection through OLTAS, consolidating instructions issued up to June 2012. Agency banks must follow revised procedures for accepting, accounting, and reporting CBDT dues, including token issuance and secure challan handling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7415&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:18 IST",
   "published_at_iso": "2026-06-20T01:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/128",
   "title": "Non-Resident Deposit Reporting: Hard Copy No Longer Needed for Most Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-128/",
   "products": [],
   "summary": "RBI has discontinued the requirement for most banks to send hard copies of Stat 5 and Stat 8 returns on non-resident deposits. Only soft copies via email to DSIM are now needed. Co-operative banks and RRBs must continue both hard and soft copies to their regional RBI office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7445&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/126",
   "title": "NBFCs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-126/",
   "products": [],
   "summary": "RBI mandates all NBFCs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, check customer names against this list. Also, review existing accounts to ensure no linked entities are present.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7444&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/125",
   "title": "UAPA Section 51-A: NBFCs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-125/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UNSCR 1988 sanctions list changes (March-June 2012). Before opening new accounts, verify proposed customers against this list; also scan existing accounts for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7443&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/124",
   "title": "RBI eases rules for switching AD banks on hedge rollovers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-124/",
   "products": [],
   "summary": "RBI now allows residents to cancel and rebook forward contracts with a different AD Category I bank on maturity for all hedge transactions, not just capital account hedges over one year. This flexibility applies to both current and capital account hedges, provided cancellation and rebooking happen s",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7441&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/123",
   "title": "UAPA Sanctions List Update for Co-op & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-123/",
   "products": [],
   "summary": "RBI mandates all State/Central Co-operative Banks and RRBs to update their records with the latest UNSCR 1988 Taliban sanctions list and screen all new and existing accounts against it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7440&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/122",
   "title": "Intra-Bank Account Portability: No Fresh KYC for Branch Transfers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-122/",
   "products": [],
   "summary": "RBI directs urban co-operative banks to allow customers to transfer deposit accounts between branches without opening fresh accounts or repeating full KYC, as long as initial KYC is complete. Only fresh address proof is needed on transfer.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7439&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/121",
   "title": "RBI Eases Head Office Debit Balance Rules for Foreign Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-121/",
   "products": [],
   "summary": "RBI now allows foreign banks to place funds with Head Office/overseas branches up to 10% of minimum CRAR without capital deduction; excess is deducted from Tier I capital. Effective September 30, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7433&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/119",
   "title": "UAPA Sanctions List Update for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2012-13-119/",
   "products": [],
   "summary": "RBI directs all PSOs to update UNSCR 1988 sanctions list, screen new and existing accounts against Taliban-linked individuals/entities, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7432&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/120",
   "title": "Rupee Value of Special Currency Basket Revised to Rs 78.19",
   "url": "https://bankpulse.ai/c/rbi-2012-13-120/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under Deferred Payment Protocols with the erstwhile USSR to Rs 78.193501, effective June 26, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7431&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/118",
   "title": "UAPA Sanctions: PSOs Must Update Al-Qaida Lists",
   "url": "https://bankpulse.ai/c/rbi-2012-13-118/",
   "products": [],
   "summary": "RBI mandates all payment system operators to update UN Al-Qaida sanctions lists, screen new and existing accounts, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7430&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/117",
   "title": "UAPA Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-117/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the UNSCR 1988 sanctions list, screen new and existing accounts against it, and follow UAPA freezing procedures. Compliance must be acknowledged to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7429&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/116",
   "title": "UAPA Compliance: Updated Al-Qaida Sanctions List for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-116/",
   "products": [],
   "summary": "RBI has directed all Primary (Urban) Co-operative Banks to update their records with the latest UN Al-Qaida sanctions list. Banks must screen new and existing accounts against this list and follow the UAPA Order dated August 27, 2009, as per the procedure in the November 16, 2009 circular, for freez",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7428&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-20T01:10:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/140",
   "title": "RBI Issues NBFC-Factor Directions Under Factoring Regulation Act, 2011",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-140/",
   "products": [],
   "summary": "RBI has created a new NBFC category—NBFC-Factor—under the Factoring Regulation Act, 2011. These entities must register with RBI, meet principal business criteria, and comply with separate prudential directions. Existing NBFCs can reclassify within six months with auditor certification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7462&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/139",
   "title": "RBI Eases Rules on Partial Termination of Derivative Contracts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-139/",
   "products": [],
   "summary": "RBI now allows banks to reduce notional exposure on derivative contracts without treating it as restructuring, provided other parameters stay unchanged. Crystallized MTM can be paid in instalments under board-approved policies, with NPA classification triggered at 90 days overdue.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7461&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/138",
   "title": "Priority Sector Lending Targets and Classification Revised",
   "url": "https://bankpulse.ai/c/rbi-2012-13-138/",
   "products": [],
   "summary": "RBI revised priority sector lending guidelines effective July 20, 2012, based on the M V Nair Committee report. Banks must apply new classification norms immediately, while existing priority sector loans retain their status until maturity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7460&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/137",
   "title": "FCNR(B) Staff Interest Rate Benefit Withdrawn",
   "url": "https://bankpulse.ai/c/rbi-2012-13-137/",
   "products": [],
   "summary": "RBI has withdrawn the discretion allowing banks to pay an additional 1% interest on FCNR(B) deposits to staff members. No non-resident depositor, including staff, can now receive any extra interest beyond the prescribed ceiling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7459&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/136",
   "title": "RBI withdraws staff interest rate benefit on NRE/NRO deposits",
   "url": "https://bankpulse.ai/c/rbi-2012-13-136/",
   "products": [],
   "summary": "RBI has withdrawn the discretion allowing banks to offer an additional 1% interest rate to staff members on NRE and NRO deposits. This benefit, previously available to existing and retired staff, is no longer permitted, aligning non-resident deposit rates with general depositor rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7458&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/135",
   "title": "EEFC Account Circular Not Applicable to RFC Accounts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-135/",
   "products": [],
   "summary": "RBI clarifies that the May 10, 2012 circular on Exchange Earner's Foreign Currency (EEFC) accounts does not apply to Resident Foreign Currency (RFC) accounts. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7457&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/134",
   "title": "QFIs Allowed to Invest in Indian Corporate Debt Securities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-134/",
   "products": [],
   "summary": "RBI now permits Qualified Foreign Investors (QFIs) to invest in Indian corporate debt securities, including listed NCDs, bonds, and mutual fund debt schemes, up to USD 1 billion, over and above the FII limit. Investments are via a single non-interest bearing rupee account and a single demat account ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7456&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/133",
   "title": "RBI allows brokers for same-day sale of primary issue securities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-133/",
   "products": [],
   "summary": "RBI now permits market participants to use brokers for selling securities allotted in primary issues on the same day, reversing a 2000 restriction. This change aims to ease liquidity and operational flexibility for banks and primary dealers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7455&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/132",
   "title": "Rupee Value of Special Currency Basket Revised to Rs 75.82",
   "url": "https://bankpulse.ai/c/rbi-2012-13-132/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs 75.816175, effective July 6, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7449&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/131",
   "title": "NEFT Customer Charges Rationalised by RBI",
   "url": "https://bankpulse.ai/c/rbi-2012-13-131/",
   "products": [],
   "summary": "RBI capped NEFT customer charges from August 1, 2012: ₹2.50 for up to ₹10,000, ₹5 for ₹10,001–₹1 lakh, ₹15 for ₹1–2 lakh, and ₹25 above ₹2 lakh. Banks must pass volume benefits to customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7448&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/130",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-130/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update the UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities per UAPA 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7447&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/129",
   "title": "Revised A-2 Form for Remittance Purpose Codes",
   "url": "https://bankpulse.ai/c/rbi-2012-13-129/",
   "products": [],
   "summary": "RBI has revised the purpose codes in Form A-2 for remittances abroad, aligning them with updated R-Return codes. ADs must use the new list annexed to the circular for all applications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7446&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-20T01:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/153",
   "title": "FEMA Compounding: When a Suo Moto Application Blocks 'Technical' Tag",
   "url": "https://bankpulse.ai/c/rbi-2012-13-153/",
   "products": [],
   "summary": "Once an entity files a suo moto compounding application admitting a FEMA contravention, RBI will no longer treat it as 'technical' or 'minor'. The matter must then go through formal compounding under Section 15(1) of FEMA, 1999.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7485&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/152",
   "title": "RBI eases hedging rules for exporters and banks' NOOPL",
   "url": "https://bankpulse.ai/c/rbi-2012-13-152/",
   "products": [],
   "summary": "RBI now allows exporters to cancel and rebook up to 25% of forward contracts booked in a financial year for hedging export exposures. Also, AD Category-I banks can exclude net options positions and overseas branch positions from NOOPL, subject to board-approved limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7484&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/151",
   "title": "EEFC, DDA & RFC Account Guidelines Revised – 100% Credit of Foreign Exchange Earnings Restored",
   "url": "https://bankpulse.ai/c/rbi-2012-13-151/",
   "products": [],
   "summary": "RBI has restored 100% retention of export earnings in EEFC accounts, reversing the earlier 50% cap. However, total accruals in a calendar month must be converted to rupees by the last day of the following month, after adjusting for approved uses or forward commitments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7483&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/150",
   "title": "SLR Reduced from 24% to 23% of NDTL Effective August 11, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-150/",
   "products": [],
   "summary": "RBI cut the Statutory Liquidity Ratio (SLR) for scheduled commercial banks by 1 percentage point to 23% of NDTL, effective fortnight beginning August 11, 2012, freeing up bank funds for lending and investment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7482&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/149",
   "title": "RRBs Can No Longer Offer Extra Interest on Staff FCNR (B) Deposits",
   "url": "https://bankpulse.ai/c/rbi-2012-13-149/",
   "products": [],
   "summary": "RBI has withdrawn the discretion allowing RRBs to pay an additional 1% interest on FCNR (B) deposits to staff members, effective July 31, 2012. Now, no extra interest can be given on any non-resident deposits, including staff accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7481&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/148",
   "title": "RRBs Barred from Extra Interest on NRE/NRO Staff Deposits",
   "url": "https://bankpulse.ai/c/rbi-2012-13-148/",
   "products": [],
   "summary": "RBI has withdrawn the discretion given to Regional Rural Banks to offer an additional 1% interest rate on NRE/NRO deposits to staff members. This benefit is no longer allowed for any non-resident deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7480&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/146",
   "title": "FATF AML/CFT Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-146/",
   "products": [],
   "summary": "RBI directs RRBs and co-operative banks to review FATF's June 2012 update on high-risk jurisdictions. Banks must consider the updated statement but can continue legitimate trade. Principal officers must acknowledge receipt to their regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7473&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/145",
   "title": "FATF Updates on High-Risk Jurisdictions: AML/CFT Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-145/",
   "products": [],
   "summary": "RBI directs banks to review FATF's June 2012 update on jurisdictions with AML/CFT deficiencies. Banks must consider the updated statement for risk assessment but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7472&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/144",
   "title": "NBFCs Must Complete KYC Risk Categorisation by March 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-144/",
   "products": [],
   "summary": "RBI mandates all NBFCs to complete risk categorisation and profile updates for all existing customers by end-March 2013, citing lax compliance that exposes firms to operational risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7471&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/143",
   "title": "Exim Bank's USD 47 mn Line of Credit to Ethiopia for Sugar Industry",
   "url": "https://bankpulse.ai/c/rbi-2012-13-143/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 47 million Line of Credit to Ethiopia for financing Indian exports for sugar industry development, effective July 9, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7470&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/142",
   "title": "Exim Bank's USD 250 mn Line of Credit to Nepal",
   "url": "https://bankpulse.ai/c/rbi-2012-13-142/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 250 million Line of Credit to Nepal for infrastructure projects. At least 75% of contract value must be sourced from India. Banks must guide exporters on GR/SDF forms and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7469&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:54 IST",
   "published_at_iso": "2026-06-20T00:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/165",
   "title": "RBI mandates compensation for delayed local cheque clearance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-165/",
   "products": [],
   "summary": "RBI now requires banks to include compensation for delayed clearance of local cheques in their Cheque Collection Policy, with a default rate of savings bank interest if no rate is specified. This addresses the gap where local cheques were often not covered for compensation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7502&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/164",
   "title": "Basic Savings Bank Deposit Account Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2012-13-164/",
   "products": [],
   "summary": "RBI replaces 'no-frills' accounts with 'Basic Savings Bank Deposit Account' (BSBDA) from August 10, 2012. Key features: zero minimum balance, free basic services, max 4 withdrawals/month, no charges for dormancy. Existing no-frills accounts must be converted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7501&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/163",
   "title": "RBI mandates 'payable at par' cheques for all CBS bank customers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-163/",
   "products": [],
   "summary": "RBI directs all CBS-enabled banks to issue only 'payable at par' or 'multi-city' CTS-2010 standard cheques to all eligible customers, with no extra charges for clearing at any branch. Banks must adopt board-approved risk management policies and publish them online.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7500&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/162",
   "title": "Revised Kisan Credit Card Scheme – Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2012-13-162/",
   "products": [],
   "summary": "RBI has modified the KCC scheme: repayment period is now based on crop harvesting/marketing, not a fixed 12-month limit. Also, crop insurance is mandatory, and other insurance options require farmer consent at application stage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7499&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/161",
   "title": "NBFC-MFI Directions Modified: Capital, Qualifying Assets & More",
   "url": "https://bankpulse.ai/c/rbi-2012-13-161/",
   "products": [],
   "summary": "RBI eased NBFC-MFI norms on capital, qualifying assets, and loan purposes. Existing NBFCs get staggered NOF targets; income generation loans reduced to 70%. Multiple lending capped at 2 MFIs per borrower. Compliance deadline for conversion extended to October 31, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7493&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/160",
   "title": "AML/CFT Standards Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-160/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to consider FATF's June 2012 updated statement on AML/CFT compliance and high-risk jurisdictions. Banks must stay informed but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7492&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/159",
   "title": "RRB SLR Reduced to 23% from August 11, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-159/",
   "products": [],
   "summary": "RBI cut the SLR for Regional Rural Banks from 24% to 23% of NDTL, effective fortnight starting August 11, 2012. This frees up funds for lending and investment, following the First-Quarter Review of Monetary Policy 2012-13.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7491&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/158",
   "title": "RRBs Get Auto-Route for Tier 2 Branch Openings",
   "url": "https://bankpulse.ai/c/rbi-2012-13-158/",
   "products": [],
   "summary": "RBI now allows Regional Rural Banks to open branches in Tier 2 centres (population 50,000-99,999) without prior approval, subject to conditions: CRAR ≥9%, net NPA <5%, no CRR/SLR default, net profit, and CBS compliance. Reporting within 15 days post-quarter is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7490&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/157",
   "title": "RRB Branch Licensing: RBI Delegates Powers to Regional Offices",
   "url": "https://bankpulse.ai/c/rbi-2012-13-157/",
   "products": [],
   "summary": "RBI has delegated powers to its Regional Offices to decide on RRB branch applications (opening, shifting, merger, conversion) without needing Empowered Committee recommendations, speeding up approvals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7489&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/156",
   "title": "RBI mandates financial literacy cells for MSE borrowers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-156/",
   "products": [],
   "summary": "RBI directs banks to proactively provide financial literacy and consultancy support to MSE clients, citing 92% financial exclusion. Banks must set up special cells or integrate this into existing Financial Literacy Centres, and train staff accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7488&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/155",
   "title": "RBI Ends IBA's Role in Prescribing Out-of-Pocket Expenses for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-155/",
   "products": [],
   "summary": "RBI has decided to discontinue the practice of IBA prescribing out-of-pocket expenses for member banks. Individual banks can now decide their own charges for courier, telecom, and SWIFT, provided they are reasonable and based on actual costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7487&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/154",
   "title": "NBFC Off-Balance Sheet Capital Adequacy: Clarifications on Undrawn Facilities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-154/",
   "products": [],
   "summary": "RBI clarifies that undrawn portions of fund-based facilities for NBFCs must be treated based on drawdown stages, not total sanctioned amount. Commitments unconditionally cancellable anytime or automatically due to credit deterioration get zero credit conversion factor.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7486&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:46 IST",
   "published_at_iso": "2026-06-20T00:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/178",
   "title": "Limited Two-Way Fungibility for IDRs Allowed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-178/",
   "products": [],
   "summary": "RBI now permits limited two-way fungibility for Indian Depository Receipts (IDRs), similar to ADRs/GDRs. Re-issuance is capped at redeemed/converted IDRs, with an overall USD 5 billion limit monitored by SEBI. This eases conversion between IDRs and underlying shares.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7530&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/177",
   "title": "RBI Advises Co-operative Banks to Minimize Deposit Rate Variations",
   "url": "https://bankpulse.ai/c/rbi-2012-13-177/",
   "products": [],
   "summary": "RBI directs state and central co-operative banks to minimize interest rate differences between deposits of ₹15 lakh and above and smaller deposits of similar tenors, citing poor liquidity management and pricing practices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7529&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/176",
   "title": "RRBs/Co-op Banks: No Double Signatures Needed for Matured Deposits with Survivor Mandate",
   "url": "https://bankpulse.ai/c/rbi-2012-13-176/",
   "products": [],
   "summary": "RBI clarifies that for fixed deposits with 'Either or Survivor' or 'Former or Survivor' mandate, banks cannot insist on both depositors' signatures for maturity payment. This prevents delays and poor service. Premature withdrawals still require both signatures unless a specific joint mandate is obta",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7523&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/175",
   "title": "RBI Updates AML/CFT Rules for Cross-Border Remittances Under MTSS",
   "url": "https://bankpulse.ai/c/rbi-2012-13-175/",
   "products": [],
   "summary": "RBI directs Indian agents under MTSS to factor in FATF's June 2012 statement on AML/CFT deficiencies in certain jurisdictions when processing cross-border inward remittances. Sub-agents must also comply, with agents fully responsible for adherence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7522&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/174",
   "title": "RBI Updates AML/CFT Guidance for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-174/",
   "products": [],
   "summary": "RBI directs authorised persons to factor in FATF's June 2012 statement on AML/CFT risks from certain jurisdictions when handling money changing activities, without banning legitimate transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7521&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/172",
   "title": "Basic Savings Bank Deposit Account Guidelines for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-172/",
   "products": [],
   "summary": "RBI replaces 'no-frills' accounts with 'Basic Savings Bank Deposit Account' for RRBs and co-op banks. Key features: zero minimum balance, free basic services, limited withdrawals, and no charges for account activation. Existing accounts must be converted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7519&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/171",
   "title": "RBI Rationalises ODI Form: APR Submission Now Mandatory",
   "url": "https://bankpulse.ai/c/rbi-2012-13-171/",
   "products": [],
   "summary": "RBI has revised Form ODI Part I to mandate that Indian parties confirm submission of Annual Performance Reports (APR) for all existing JV/WOS before undertaking new overseas direct investments. This ensures compliance with FEMA regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7518&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/169",
   "title": "RBI Replaces 'No-Frills' Accounts with Basic Savings Bank Deposit Account for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-169/",
   "products": [],
   "summary": "RBI directs Urban Co-operative Banks to replace 'no-frills' accounts with 'Basic Savings Bank Deposit Account' (BSBDA) offering zero minimum balance, free basic services, and up to four monthly withdrawals. Existing accounts must be converted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7511&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/168",
   "title": "Premature Withdrawal of Joint Term Deposits on Death of One Holder",
   "url": "https://bankpulse.ai/c/rbi-2012-13-168/",
   "products": [],
   "summary": "RBI permits banks to allow surviving joint depositors to prematurely withdraw term deposits without penalty, provided a specific joint mandate is obtained. Banks must incorporate a clause in account opening forms and inform existing and future depositors about this option.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7510&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/167",
   "title": "RBI Cracks Down on Wide Deposit Rate Variations",
   "url": "https://bankpulse.ai/c/rbi-2012-13-167/",
   "products": [],
   "summary": "RBI directs banks to minimize interest rate gaps between bulk deposits (₹15 lakh+) and retail deposits of similar tenors, citing unfair retail treatment and weak liquidity management. Banks must adopt a board-approved transparent pricing policy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7509&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/166",
   "title": "Exim Bank's USD 40.32 mn Line of Credit to Chad",
   "url": "https://bankpulse.ai/c/rbi-2012-13-166/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 40.32 million Line of Credit to Chad for four projects. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7508&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-20T00:36:00+05:30"
  },
  {
   "ref": "RBI/2012-13/202",
   "title": "RBI Extends Trade Credit Tenure for Infrastructure Sector Capital Goods Imports",
   "url": "https://bankpulse.ai/c/rbi-2012-13-202/",
   "products": [],
   "summary": "RBI now allows infrastructure companies to avail trade credit up to five years for importing capital goods, up from the earlier limit of more than one year and less than three years. AD banks can approve trade credits up to USD 20 million per import transaction for capital goods, but cannot issue Le",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7559&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/189",
   "title": "Govt-guaranteed bonds exempt from PD exposure limits",
   "url": "https://bankpulse.ai/c/rbi-2012-13-189/",
   "products": [],
   "summary": "RBI exempts bonds fully guaranteed by Government of India from single/group borrower exposure limits for standalone Primary Dealers. PDs must still include all other non-government securities and instruments when calculating their 25% single and 40% group borrower limits based on latest audited net ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7541&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/188",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-188/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update their UN Al-Qaida sanctions list using new government inputs, screen new and existing accounts against it, and follow UAPA freezing procedures strictly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7540&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/186",
   "title": "Exim Bank's $20 mn Line of Credit to Central African Republic",
   "url": "https://bankpulse.ai/c/rbi-2012-13-186/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 20 million Line of Credit to the Government of the Central African Republic for a mining project. At least 75% of contract value must be sourced from India. Banks must inform exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7538&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/185",
   "title": "RBI Allows QFIs to Hedge Currency Risk on Investments",
   "url": "https://bankpulse.ai/c/rbi-2012-13-185/",
   "products": [],
   "summary": "RBI now permits Qualified Foreign Investors (QFIs) to hedge currency risk on their equity and debt investments in India using forwards, options, and swaps. This covers market value of holdings and IPO-related flows under ASBA, with guidelines on eligibility, rollover, and cost.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7537&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/184",
   "title": "UAPA Sanctions List Update for Co-op Banks & RRBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-184/",
   "products": [],
   "summary": "RBI directs StCBs, DCCBs, and RRBs to update the UNSCR 1988 (2011) sanctions list for Taliban-linked individuals/entities. Banks must screen new and existing accounts against this list and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7536&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/183",
   "title": "RBI Clarifies Capital Infusion for White Label ATM Applicants",
   "url": "https://bankpulse.ai/c/rbi-2012-13-183/",
   "products": [],
   "summary": "Non-bank entities can infuse capital after balance sheet audit to meet the Rs 100 crore net worth criterion for White Label ATM authorisation, provided they submit a CA certificate confirming the infusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7535&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/181",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List Now",
   "url": "https://bankpulse.ai/c/rbi-2012-13-181/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the latest UN Al-Qaida sanctions list under UAPA, 1967. Freeze accounts of listed individuals/entities and ensure no new accounts are opened for them.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7534&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/182",
   "title": "UAPA Sanctions List Update: Taliban-Linked Entities (Aug 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-182/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the UN 1988 Sanctions List for Taliban-linked individuals/entities. New accounts must be checked, existing accounts scanned, and freezing actions must follow the UAPA Order of 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7533&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62966",
   "title": "RBI fines Nashik co-op bank ₹2.1 lakh for director-relative loans",
   "url": "https://bankpulse.ai/c/rbi-doc-62966/",
   "products": [],
   "summary": "RBI imposed a ₹2.1 lakh penalty on The Nasik Road Deolali Vyapari Sahakari Bank Ltd. for violating loan norms to directors' relatives. The action follows a March 2025 inspection and is based on sustained non-compliance with RBI's related-party lending directions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62966",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/180",
   "title": "UCBs: Premature FD Withdrawal by Survivor Joint Holder – Clarification",
   "url": "https://bankpulse.ai/c/rbi-2012-13-180/",
   "products": [],
   "summary": "RBI clarifies that UCBs can allow premature withdrawal of term deposits by a surviving joint holder only if a joint mandate was obtained. Banks must incorporate this clause in account opening forms and inform depositors. No penal charges apply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7532&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/179",
   "title": "Non-Resident Guarantees for Non-Fund Based Facilities Between Residents",
   "url": "https://bankpulse.ai/c/rbi-2012-13-179/",
   "products": [],
   "summary": "RBI now permits non-resident guarantees for non-fund based facilities (LCs, guarantees, LoUs, LoCs) between two resident entities under general permission, with quarterly reporting by AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7531&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:27 IST",
   "published_at_iso": "2026-06-20T00:27:00+05:30"
  },
  {
   "ref": "RBI/2012-13/204",
   "title": "Cost Reduction Structures for FCNR(B) Loans Hedging",
   "url": "https://bankpulse.ai/c/rbi-2012-13-204/",
   "products": [],
   "summary": "RBI now permits cost reduction structures (cross currency and INR options) for hedging FX risk on rupee loans from FCNR(B) deposits, expanding earlier trade/ECB-only scope.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7561&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/203",
   "title": "Overseas Direct Investments: APR Submission Rationalised",
   "url": "https://bankpulse.ai/c/rbi-2012-13-203/",
   "products": [],
   "summary": "RBI has rationalised APR submission for overseas JVs/WOSs. Indian parties must now submit Form ODI Part III annually by June 30, based on audited accounts. Exemption for un-audited accounts under earlier circular continues.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7560&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/201",
   "title": "ECB Bridge Finance for Infrastructure: Automatic Route Refinancing Allowed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-201/",
   "products": [],
   "summary": "RBI now allows infrastructure companies to refinance short-term bridge finance (buyers'/suppliers' credit) for capital goods imports with a long-term ECB under the automatic route, subject to conditions like prior import evidence and trade credit compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7558&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/200",
   "title": "ECB Scheme: Higher Limits for Rupee Loan Repayment & Capex",
   "url": "https://bankpulse.ai/c/rbi-2012-13-200/",
   "products": [],
   "summary": "RBI has enhanced the maximum ECB limit under the USD 10 billion scheme to 75% of average forex earnings or 50% of the highest annual earnings in the past three years, whichever is higher. SPVs with at least one year of existence can now borrow up to 50% of last year's export earnings. Group-level ca",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7557&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/199",
   "title": "Bank Finance to Factoring Companies: Updated Norms",
   "url": "https://bankpulse.ai/c/rbi-2012-13-199/",
   "products": [],
   "summary": "RBI has revised eligibility criteria for banks lending to factoring companies. Now, such companies must comply with the Factoring Regulation Act, 2011, and maintain at least 75% of income and assets from factoring, excluding bill discounting. This aligns with the new NBFC-Factor category.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7556&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/198",
   "title": "RBI Allows Indian Overseas Investment in Pakistan Under Approval Route",
   "url": "https://bankpulse.ai/c/rbi-2012-13-198/",
   "products": [],
   "summary": "RBI has permitted Indian parties to invest directly in Pakistan, but only after obtaining prior approval from RBI under the approval route. This reverses the earlier blanket ban on such investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7555&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/197",
   "title": "FINnet Gateway Test Mode for AML Reports",
   "url": "https://bankpulse.ai/c/rbi-2012-13-197/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs), local area banks, and all-India FIs to start uploading AML reports in test mode on FINnet Gateway from August 31, 2012, while continuing existing CD submissions until FIU-IND announces go-live.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7554&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/196",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-196/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida sanctions list (as of June-July 2012) and screen new and existing accounts against it to comply with Section 51-A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7553&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/194",
   "title": "PSOs must update Al-Qaida sanctions list for new and existing accounts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-194/",
   "products": [],
   "summary": "RBI mandates all Payment System Operators to update the UN Al-Qaida sanctions list, screen new customers against it, and scan existing accounts for matches, following UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7551&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/193",
   "title": "RBI Updates AML/CFT Standards for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2012-13-193/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to review FATF's June 2012 updated AML/CFT statement and compliance document, ensuring alignment with global standards without restricting legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7550&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/192",
   "title": "RBI Cracks Down on Wide Deposit Rate Variations for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-192/",
   "products": [],
   "summary": "RBI directs Urban Co-operative Banks to minimize interest rate differences between bulk deposits (₹15 lakh+) and retail deposits of similar tenors, citing unfair pricing and weak liquidity management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7549&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/190",
   "title": "CTS-2010 Cheque Migration: Final Deadline & Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-190/",
   "products": [],
   "summary": "RBI mandates all banks to issue only CTS-2010 standard cheques by September 30, 2012, withdraw non-CTS cheques by December 31, 2012, and replace post-dated EMI cheques. Confirm compliance by September 14, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7542&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:21 IST",
   "published_at_iso": "2026-06-20T00:21:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/212",
   "title": "CRR cut for Urban Co-op Banks by 25 bps to 4.50%",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-212/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled Primary Urban Co-operative Banks by 25 bps from 4.75% to 4.50% of NDTL, effective fortnight from September 22, 2012. This frees up liquidity for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7574&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/211",
   "title": "Foreign Entities' Office Setup in India: RBI Clarifies Approval Routes",
   "url": "https://bankpulse.ai/c/rbi-2012-13-211/",
   "products": [],
   "summary": "RBI clarifies that foreign NGOs, non-profits, and government bodies must seek prior RBI approval to set up any office in India, including project offices, under the government route. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7573&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/210",
   "title": "RBI Updates NBFCs on FATF AML/CFT Jurisdiction Risks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-210/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to review FATF's June 2012 statement on AML/CFT deficiencies in certain jurisdictions. Firms must consider these risks but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7572&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62962",
   "title": "RBI fines Sarvodaya Commercial Co-op Bank for inoperative account rule breach",
   "url": "https://bankpulse.ai/c/rbi-doc-62962/",
   "products": [],
   "summary": "RBI imposed a ₹20,000 penalty on Sarvodaya Commercial Co-operative Bank for levying penal charges on minimum balance shortfalls in certain inoperative accounts, violating RBI's revised instructions on inoperative accounts/unclaimed deposits.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62962",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62963",
   "title": "RBI fines Navapur Mercantile Co-op Bank for non-cooperation",
   "url": "https://bankpulse.ai/c/rbi-doc-62963/",
   "products": [],
   "summary": "RBI imposed a ₹10,000 penalty on Navapur Mercantile Co-operative Bank for failing to provide required information during inspection, violating BR Act provisions. The fine underscores RBI's zero-tolerance for non-compliance in cooperative banks.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62963",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62964",
   "title": "RBI fines Chitradurga DCC Bank ₹1.5 lakh for KYC, director loan lapses",
   "url": "https://bankpulse.ai/c/rbi-doc-62964/",
   "products": [],
   "summary": "RBI imposed a ₹1.5 lakh penalty on The Chitradurga District Co-operative Central Bank for sanctioning director-related loans and failing to upload KYC records to CKYCR on time. Action based on NABARD inspection findings.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62964",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62965",
   "title": "RBI fines Wardha UCB ₹20,000 for exposure norm breach",
   "url": "https://bankpulse.ai/c/rbi-doc-62965/",
   "products": [],
   "summary": "RBI imposed a ₹20,000 penalty on Wardha District Ashirwad Mahila Nagari Sahakari Bank for violating exposure norms. The bank exceeded prescribed ceilings on certain advances, as found during its March 2025 statutory inspection. This is a compliance action, not a judgment on customer transactions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62965",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/209",
   "title": "CRR Reduced by 25 bps to 4.50% from Sept 22, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-209/",
   "products": [],
   "summary": "RBI cut CRR by 25 bps to 4.50% of NDTL effective fortnight starting Sept 22, 2012. This frees up bank liquidity, supporting lending and easing pressure on margins.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7566&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/208",
   "title": "RBI Mandates Robust NPA Early Warning & Granular Data Systems",
   "url": "https://bankpulse.ai/c/rbi-2012-13-208/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to upgrade IT/MIS for early distress detection at account and segment levels, ensure data consistency, and generate system-based segment-wise NPA and restructuring reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7565&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/207",
   "title": "RBI Defines NBFC-Factor: New Prudential Norms",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-207/",
   "products": [],
   "summary": "RBI has formally defined 'NBFC-Factor' as an NBFC with ≥75% factoring assets and income, requiring a Factoring Regulation Act registration. This classification triggers specific prudential norms and auditor reporting requirements for such entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7564&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/206",
   "title": "KYC/AML/CFT: Risk Categorization & Profile Updation for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-206/",
   "products": [],
   "summary": "RBI mandates Primary Urban Co-operative Banks to complete risk categorization and customer profile updation for all existing customers by March 31, 2013, citing lax compliance that exposes banks to operational risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7563&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/205",
   "title": "SMERA Added as Eligible Credit Rating Agency for NCAF",
   "url": "https://bankpulse.ai/c/rbi-2012-13-205/",
   "products": [],
   "summary": "RBI now allows banks to use SMERA ratings for risk weighting claims under Basel II's Standardised Approach, adding to the existing five domestic agencies. The rating-risk weight mapping remains unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7562&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:12 IST",
   "published_at_iso": "2026-06-20T00:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/224",
   "title": "RBI Eases UCB Restructuring: Deposit Conversion Allowed Even If Net Worth Stays Negative",
   "url": "https://bankpulse.ai/c/rbi-2012-13-224/",
   "products": [],
   "summary": "RBI now permits UCBs to convert deposits into equity or IPDI even if net worth remains negative post-conversion, provided depositors voluntarily agree. This relaxes earlier rules requiring positive net worth after conversion, giving weaker UCBs a new resolution tool.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7591&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/223",
   "title": "FDI Pricing: Shares at Face Value via MoA Subscription",
   "url": "https://bankpulse.ai/c/rbi-2012-13-223/",
   "products": [],
   "summary": "RBI now allows non-residents (including NRIs) to subscribe to an Indian company's Memorandum of Association at face value, provided they are eligible under the FDI scheme. This simplifies pricing for initial share allotment to foreign investors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7590&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/222",
   "title": "New Reporting for Foreign Entities' LO/BO/PO in India",
   "url": "https://bankpulse.ai/c/rbi-2012-13-222/",
   "products": [],
   "summary": "RBI now requires all new and existing LO/BO/PO of foreign entities to submit an Annex report to the state DGP within five working days of becoming functional, and annually thereafter, with a copy to the AD bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7589&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/221",
   "title": "OTC Money Market Reporting Moves to NDS-Call from Nov 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-221/",
   "products": [],
   "summary": "From November 1, 2012, all OTC call/notice/term money deals must be reported on NDS-Call instead of NDS. Non-NDS-Call members must report via email or fax to FMD using the format from the July 2012 Master Circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7588&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/220",
   "title": "Gold Import Trade Credit Capped at 90 Days",
   "url": "https://bankpulse.ai/c/rbi-2012-13-220/",
   "products": [],
   "summary": "RBI has clarified that trade credit for importing gold in any form, including jewellery, cannot exceed 90 days from shipment. This aligns with existing rules for diamond imports and tightens financing timelines for gold imports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7582&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/219",
   "title": "KYC/AML norms for money changing: payment rules clarified",
   "url": "https://bankpulse.ai/c/rbi-2012-13-219/",
   "products": [],
   "summary": "RBI clarifies that for foreign exchange sales exceeding Rs.50,000, authorised persons must accept payment only via crossed cheque, bank draft, or card—not cash. This applies to single drawals and subsequent drawals within 30 days for the same trip.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7581&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/218",
   "title": "UAPA Sanctions List Update for Primary UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-218/",
   "products": [],
   "summary": "RBI directs Primary UCBs to update UNSCR 1267/1989 Al-Qaida sanctions list, screen new and existing accounts, and follow UAPA freezing procedures as per earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7580&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/217",
   "title": "FDI Policy Liberalised: Retail, Aviation, Broadcasting & Power Exchanges",
   "url": "https://bankpulse.ai/c/rbi-2012-13-217/",
   "products": [],
   "summary": "RBI has liberalised FDI norms across five sectors: single-brand retail (100%), multi-brand retail (51%), civil aviation (49% for foreign airlines, under automatic or government route), broadcasting carriage services (limits reviewed, under automatic or government route), and power exchanges (49% und",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7579&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/216",
   "title": "CRR Reduced by 25 bps for StCBs and RRBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-216/",
   "products": [],
   "summary": "RBI cut CRR for Scheduled State Co-operative Banks and Regional Rural Banks by 25 bps to 4.50% of NDTL, effective September 22, 2012. This frees up funds for lending and liquidity management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7578&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/215",
   "title": "UCBs: Update Al-Qaida Sanctions List Under UAPA",
   "url": "https://bankpulse.ai/c/rbi-2012-13-215/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7577&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/214",
   "title": "1% Interest Subvention on Housing Loans Up to Rs 15 Lakh Extended",
   "url": "https://bankpulse.ai/c/rbi-2012-13-214/",
   "products": [],
   "summary": "RBI extended the 1% interest subvention scheme for housing loans up to Rs 15 lakh (house cost up to Rs 25 lakh) until March 31, 2013. A Rs 400 crore budget provision was made for FY 2012-13. NHB remains the nodal agency. Banks must implement vigorously and submit claims promptly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7576&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/213",
   "title": "RRBs & Co-op Banks: Start FINnet Test Mode for AML Reports",
   "url": "https://bankpulse.ai/c/rbi-2012-13-213/",
   "products": [],
   "summary": "FIU-IND has directed all RRBs and cooperative banks to begin uploading AML/CFT reports in test mode on the FINnet Gateway from August 31, 2012, while continuing existing CD-based submissions until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7575&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "20 Jun 2026, 00:06 IST",
   "published_at_iso": "2026-06-20T00:06:00+05:30"
  },
  {
   "ref": "RBI/2012-13/245",
   "title": "Test Mode Upload of Reports on FINnet Gateway",
   "url": "https://bankpulse.ai/c/rbi-2012-13-245/",
   "products": [],
   "summary": "RBI directs all Authorised Persons to start uploading Cash Transaction Reports and Suspicious Transaction Reports on FINnet Gateway in 'Test Mode' from August 31, 2012, to test electronic submission capability, while continuing CD-based reporting until further go-live notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7620&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/235",
   "title": "UCIC Mandate for Primary Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-235/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to assign a Unique Customer Identification Code (UCIC) to each customer. New individual customers must get UCIC immediately; existing individual customers must be covered by end-May 2013. This helps track facilities, monitor transactions, and improv",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7606&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/234",
   "title": "RRBs Must Minimize Deposit Rate Variations: RBI",
   "url": "https://bankpulse.ai/c/rbi-2012-13-234/",
   "products": [],
   "summary": "RBI directs RRBs to ensure minimal variation between interest rates on deposits of Rs 15 lakh and above and smaller deposits of same maturity, citing inadequate liquidity management and pricing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7605&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/233",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.75.037184",
   "url": "https://bankpulse.ai/c/rbi-2012-13-233/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.75.037184, effective September 27, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7604&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/232",
   "title": "NBFCs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-232/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, verify proposed customers are not on the list, and scan existing accounts for any matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7603&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/231",
   "title": "NBFCs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-231/",
   "products": [],
   "summary": "RBI directs all NBFCs to update the UNSCR 1988 sanctions list for Taliban-linked individuals/entities. Before opening new accounts, verify names against this list and screen existing accounts for matches. Non-compliance risks regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7602&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/230",
   "title": "RBI Overhauls Prepaid Payment Instrument Rules: New Categories & Escrow Norms",
   "url": "https://bankpulse.ai/c/rbi-2012-13-230/",
   "products": [],
   "summary": "RBI replaces five semi-closed PPI categories with three, based on value limits and KYC levels. Non-bank issuers must credit escrow accounts immediately upon sale and maintain balances covering all outstanding PPI and merchant obligations. Domestic money transfer relaxations now apply to all three ne",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7597&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/229",
   "title": "SLR Reduced to 23% for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-229/",
   "products": [],
   "summary": "RBI cut the Statutory Liquidity Ratio (SLR) for Local Area Banks from 25% to 23% of NDTL, effective August 11, 2012. This frees up funds for lending or investment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7596&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/228",
   "title": "Interest Subvention on Short-Term Crop Loans for 2012-13",
   "url": "https://bankpulse.ai/c/rbi-2012-13-228/",
   "products": [],
   "summary": "RBI extends 2% interest subvention to PSBs for short-term crop loans up to Rs.3 lakh at 7% p.a. to farmers in 2012-13. Prompt payers get additional 3% subvention, reducing effective rate to 4% p.a. Claims submission deadlines and formats specified.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7595&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/227",
   "title": "RBI Extends Interest Rate Cap on Overseas Lines of Credit",
   "url": "https://bankpulse.ai/c/rbi-2012-13-227/",
   "products": [],
   "summary": "RBI has extended the interest rate ceiling on lines of credit with overseas banks to six-month LIBOR/EURO LIBOR/EURIBOR plus 250 bps until further orders. This directive, issued under Sections 21 and 35A of the Banking Regulation Act, 1949, continues the existing cap without change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7594&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/226",
   "title": "FINnet Gateway Test Mode for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-226/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to start uploading reports in test mode on the FINnet Gateway from August 31, 2012, to test electronic submission capability, while continuing existing CD-based reporting until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7593&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/225",
   "title": "Rupee Value of Special Currency Basket Revised for USSR Deferred Payment Protocols",
   "url": "https://bankpulse.ai/c/rbi-2012-13-225/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under India-USSR Deferred Payment Protocols to Rs.78.105433 effective September 17, 2012, from the earlier Rs.75.816175. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7592&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:56 IST",
   "published_at_iso": "2026-06-19T23:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/248",
   "title": "RBI expands OTC FX derivative reporting to CCIL platform",
   "url": "https://bankpulse.ai/c/rbi-2012-13-248/",
   "products": [],
   "summary": "From November 5, 2012, Category-I AD banks must report additional inter-bank OTC FX derivatives on CCIL's platform. This includes FCY-INR (ex-USD) forwards/swaps, FCY-FCY forwards/swaps/options, and trades with overseas counterparties. Reporting deadlines vary by product.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7623&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/247",
   "title": "RBI removes loan cap on NRE/FCNR deposits",
   "url": "https://bankpulse.ai/c/rbi-2012-13-247/",
   "products": [],
   "summary": "RBI has removed the Rs 100 lakh ceiling on rupee and foreign currency loans against NRE/FCNR(B) deposits, allowing banks to sanction loans up to the deposit balance subject to margin requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7622&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/246",
   "title": "FINnet Gateway Test Mode Reporting for Money Transfer Agents (Circular dated October 12, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-246/",
   "products": [],
   "summary": "RBI, via circular dated October 12, 2012, directs all Authorised Persons (Indian Agents) under Money Transfer Service Scheme to start uploading Cash Transaction Reports (CTRs) and Suspicious Transaction Reports (STRs) in 'Test Mode' on the FINnet Gateway from August 31, 2012, while continuing existi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7621&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/244",
   "title": "NEFT: Mandatory IFSC and Customer Assistance Rules",
   "url": "https://bankpulse.ai/c/rbi-2012-13-244/",
   "products": [],
   "summary": "RBI mandates banks to assist NEFT customers in filling IFSC and branch details, verify matches, and apply maker-checker scrutiny to reduce errors and improve remittance efficiency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7619&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/243",
   "title": "FIU-IND FINnet Gateway Go-Live: CD Reports End Oct 20",
   "url": "https://bankpulse.ai/c/rbi-2012-13-243/",
   "products": [],
   "summary": "From October 20, 2012, all scheduled commercial banks and AIFIs must submit AML/CFT reports exclusively via the FINnet gateway in XML format. CD-based submissions will be rejected after this date. Ensure your systems are ready for the new XML reporting format.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7618&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/242",
   "title": "Lead Bank Responsibilities for Nine New Chhattisgarh Districts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-242/",
   "products": [],
   "summary": "RBI assigned lead bank roles for nine new Chhattisgarh districts created on Jan 1, 2012. SBI gets five districts, Dena Bank two, and Central Bank of India two. New district working codes for BSR reporting are also allotted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7617&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/241",
   "title": "FDI in NBFCs: Step-down subsidiary rules eased",
   "url": "https://bankpulse.ai/c/rbi-2012-13-241/",
   "products": [],
   "summary": "RBI has relaxed FDI norms for NBFCs with foreign ownership above 75% and up to 100%, allowing them to set up step-down subsidiaries without additional capital, provided minimum capitalisation of US$ 50 million is met.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7616&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/240",
   "title": "ECB All-in-Cost Ceiling Unchanged – Oct 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-240/",
   "products": [],
   "summary": "RBI has decided to keep the all-in-cost ceiling for External Commercial Borrowings (ECB) unchanged from the levels set in March 2012. This means no change in the maximum interest rate and fees that Indian borrowers can pay on foreign loans until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7611&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/239",
   "title": "Trade Credit Cost Ceiling for Imports Unchanged",
   "url": "https://bankpulse.ai/c/rbi-2012-13-239/",
   "products": [],
   "summary": "RBI has confirmed that the all-in-cost ceiling for trade credits financing imports into India remains unchanged from the rate set in September 2012. No new ceiling has been introduced; the existing cap continues until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7610&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/237",
   "title": "UCBs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-237/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UNSCR 1988 sanctions list for individuals/entities linked to the Taliban. Banks must screen new and existing accounts against this list and freeze assets as per earlier UAPA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7609&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/238",
   "title": "UCBs Must Update UN Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-238/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UNSCR 1267/1989 Al-Qaida sanctions list. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per earlier UAPA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7608&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/236",
   "title": "UNSCR 1988 Sanctions List Update for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-236/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their UNSCR 1988 sanctions list with new Taliban-linked entries. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7607&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:52 IST",
   "published_at_iso": "2026-06-19T23:52:00+05:30"
  },
  {
   "ref": "RBI/2012-13/260",
   "title": "Simplified Softex Procedure Extended to All STPIs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-260/",
   "products": [],
   "summary": "RBI has rolled out the simplified Softex procedure nationwide, allowing large software exporters with annual turnover of at least Rs.1000 crore or 600+ forms per year to submit a statement in excel format instead of individual certification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7639&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/259",
   "title": "SEZ Services to DTA: Forex Payment Allowed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-259/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to sell foreign exchange to DTA units for paying SEZ units for services rendered, provided the SEZ unit's Letter of Approval permits such transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7638&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/258",
   "title": "FIIs Can Now Hedge Currency Risk with Any AD Category I Bank",
   "url": "https://bankpulse.ai/c/rbi-2012-13-258/",
   "products": [],
   "summary": "RBI now allows FIIs to hedge currency risk on their entire equity/debt investment in India through any AD Category I bank, not just designated branches. Conditions include a valuation certificate, global hedge declaration, and quarterly confirmation to the custodian bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7637&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/257",
   "title": "White Label ATM Application Deadline Extended to Dec 31, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-257/",
   "products": [],
   "summary": "RBI has extended the last date for White Label ATM operators to submit authorisation applications from the earlier deadline to December 31, 2012. This gives prospective operators more time to comply with the June 20, 2012 guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7636&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/256",
   "title": "PSOs must update UN Taliban sanctions list for account screening",
   "url": "https://bankpulse.ai/c/rbi-2012-13-256/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update their records with the latest UN 1988 Sanctions List (Taliban-linked individuals/entities) and screen both new and existing accounts against it, following government orders under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7635&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/255",
   "title": "UAPA Sanctions List Compliance for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2012-13-255/",
   "products": [],
   "summary": "RBI mandates all PSOs to update and screen customers against the UN Al-Qaida sanctions list, ensuring no new or existing accounts are linked to designated individuals or entities, with strict adherence to UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7634&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/254",
   "title": "SAF for UCBs: Credit-Deposit Ratio & NPA Date Clarified",
   "url": "https://bankpulse.ai/c/rbi-2012-13-254/",
   "products": [],
   "summary": "RBI clarifies that for Supervisory Action Framework monitoring, UCBs must compute Credit-Deposit ratio by adding 75% of capital funds to deposits. Gross NPA reference date is fixed as March 31 balance sheet date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7633&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/253",
   "title": "Priority Sector Lending: Key Additions and Amendments",
   "url": "https://bankpulse.ai/c/rbi-2012-13-253/",
   "products": [],
   "summary": "RBI has revised priority sector lending guidelines based on feedback from bankers during the July 31, 2012 interaction and subsequent discussions, effective July 20, 2012. Key changes include expanding direct agriculture loans to corporates and cooperatives up to ₹2 crore, raising MSE service sector",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7632&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/252",
   "title": "NBFCs Must Test FINnet Gateway for PMLA Reports",
   "url": "https://bankpulse.ai/c/rbi-2012-13-252/",
   "products": [],
   "summary": "FIU-IND directs all NBFCs to start uploading anti-money laundering reports in test mode on the FINnet Gateway from August 31, 2012, while continuing CD submissions until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7631&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/251",
   "title": "RRBs/Co-op Banks: FINnet Gateway Go-Live Oct 20, CD Reports End",
   "url": "https://bankpulse.ai/c/rbi-2012-13-251/",
   "products": [],
   "summary": "FIU-IND has set October 20, 2012 as the go-live date for FINnet Gateway. From that date, all RRBs and State/Central Co-operative Banks must upload reports in new XML format via FINnet only; CD submissions will be invalid.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7630&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/250",
   "title": "UCBs: FINnet Gateway Go-Live on Oct 20, CD Reports End",
   "url": "https://bankpulse.ai/c/rbi-2012-13-250/",
   "products": [],
   "summary": "From October 20, 2012, all Primary (Urban) Co-operative Banks must submit reports only via the FINnet Gateway in XML format. CD-based submissions will be invalid after that date. Banks must ensure timely compliance with FIU-IND requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7625&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/249",
   "title": "RBI Reiterates Equal Banking Access for Disabled Customers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-249/",
   "products": [],
   "summary": "RBI reminds RRBs to ensure visually challenged and disabled persons get full banking access—cheques, ATMs, net banking, lockers, loans, credit cards—without discrimination, and to install ramps on all ATMs and make at least one-third of new ATMs talking ATMs with Braille keypads.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7624&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:44 IST",
   "published_at_iso": "2026-06-19T23:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/273",
   "title": "Revised Guidelines for Rehabilitation of Sick MSEs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-273/",
   "products": [],
   "summary": "RBI revised the definition of sickness for Micro and Small Enterprises (MSEs) to enable early identification and faster rehabilitation. Banks must proactively detect incipient sickness and follow a new viability assessment procedure before declaring a unit unviable.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7664&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/272",
   "title": "CRR Cut for StCBs/RRBs: 25 bps Reduction",
   "url": "https://bankpulse.ai/c/rbi-2012-13-272/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled State Co-operative Banks and Regional Rural Banks by 25 bps from 4.50% to 4.25% of NDTL, effective fortnight starting November 3, 2012. This frees up liquidity for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7663&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/271",
   "title": "CRR Cut for Urban Co-op Banks: 25 bps Reduction",
   "url": "https://bankpulse.ai/c/rbi-2012-13-271/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled Urban Co-operative Banks by 25 bps to 4.25% of NDTL, effective November 3, 2012. This frees up liquidity for these banks, easing their reserve requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7655&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/270",
   "title": "Scheduled UCBs Allowed for Corporate Debt Repo",
   "url": "https://bankpulse.ai/c/rbi-2012-13-270/",
   "products": [],
   "summary": "RBI now permits scheduled Urban Cooperative Banks to enter ready forward contracts in corporate debt securities, expanding the eligible participant list under the 2010 Repo in Corporate Debt Securities Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7654&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/269",
   "title": "CRR Cut by 25 bps to 4.25% from Nov 3, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-269/",
   "products": [],
   "summary": "RBI reduced CRR by 25 bps to 4.25% of NDTL effective fortnight starting Nov 3, 2012. This frees up liquidity for banks, easing pressure on lending capacity and supporting credit growth.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7653&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/268",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-268/",
   "products": [],
   "summary": "RBI requires RRBs, co-op banks, and All India Financial Institutions to update their records with the latest UN 1988 Sanctions List for Taliban-linked entities, as circulated by RBI. Banks must screen new and existing accounts against this list and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7652&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/265",
   "title": "UAPA Sanctions List Updates for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-265/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update their UNSCR 1267/1989 Al-Qaida sanctions list with recent changes from September-October 2012, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7645&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/264",
   "title": "UAPA Sanctions List Update: Taliban-Linked Entities (Oct 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-264/",
   "products": [],
   "summary": "RBI directs banks to update the UNSCR 1988 sanctions list for Taliban-linked individuals/entities, screen new and existing accounts, and freeze assets as per UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7644&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/263",
   "title": "UAPA Sanctions List Update: Taliban-Linked Entities (Oct 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-263/",
   "products": [],
   "summary": "RBI mandates banks to update UNSCR 1988 sanctions list for Taliban-linked individuals/entities. Screen all new and existing accounts against this list, freeze assets of matches per UAPA Order procedures, and ensure compliance officer acknowledges receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7642&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/262",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for Account Screening",
   "url": "https://bankpulse.ai/c/rbi-2012-13-262/",
   "products": [],
   "summary": "RBI mandates banks to update their UNSCR 1267 Al-Qaida sanctions list with changes notified by the Government of India. Before opening new accounts and when reviewing existing ones, banks must ensure no customer is on this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7641&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/261",
   "title": "J&K Credit Relaxations Extended to March 2014",
   "url": "https://bankpulse.ai/c/rbi-2012-13-261/",
   "products": [],
   "summary": "RBI extends credit concessions for J&K borrowers until March 31, 2014. Banks must continue applying existing relaxations from the 2004 circular without interruption.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7640&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:34 IST",
   "published_at_iso": "2026-06-19T23:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/286",
   "title": "MTSS Sub-Agent Reporting: Half-Yearly Statement Dropped",
   "url": "https://bankpulse.ai/c/rbi-2012-13-286/",
   "products": [],
   "summary": "RBI has discontinued the half-yearly submission of sub-agent lists by Indian Agents under MTSS. Instead, agents must report additions/deletions immediately to their regional FED office and verify the online list quarterly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7681&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/284",
   "title": "RBI allows SIDBI to raise ECB for on-lending to MSMEs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-284/",
   "products": [],
   "summary": "RBI has permitted SIDBI to raise External Commercial Borrowings (ECB) for on-lending to the MSME sector. Up to 50% of owned funds can be availed under automatic route, with a USD 500 million annual cap. On-lending can be in INR or foreign currency, with hedging requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7679&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/283",
   "title": "RRBs must allocate 25% of new branches to unbanked rural centres",
   "url": "https://bankpulse.ai/c/rbi-2012-13-283/",
   "products": [],
   "summary": "RBI mandates RRBs to allocate at least 25% of annual branch openings to unbanked rural (Tier 5 & 6) centres. Prior permission still needed for Tier 1 centres. This pushes financial inclusion via brick-and-mortar branches in villages without any scheduled commercial bank branch.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7678&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/282",
   "title": "RBI asks RRBs to boost NEFT awareness among staff and public",
   "url": "https://bankpulse.ai/c/rbi-2012-13-282/",
   "products": [],
   "summary": "RBI has directed Regional Rural Banks to actively promote NEFT awareness among branch staff and walk-in customers, as many are unaware that NEFT allows cash-based fund transfers even for non-account holders. RRBs must use RBI's DPSS guidelines and FAQs for this drive.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7677&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/281",
   "title": "RRB Branch Licensing: Government Business Norms Updated",
   "url": "https://bankpulse.ai/c/rbi-2012-13-281/",
   "products": [],
   "summary": "RBI amended the master circular on RRB branch licensing, clarifying that RRBs can conduct state government business only as sub-agents of their sponsor bank, with prior approval from the state government and RBI, following DGBA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7676&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/280",
   "title": "NBFCs Must Replace Non-CTS-2010 Cheques by Dec 31, 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-280/",
   "products": [],
   "summary": "RBI mandates all NBFCs to replace non-CTS-2010 compliant post-dated cheques with CTS-2010 standard cheques by December 31, 2012, to ensure uniform security features and field placements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7675&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/279",
   "title": "RBI recommends IPv6 migration for banks preferably by Dec 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-279/",
   "products": [],
   "summary": "RBI advises all scheduled commercial banks (excluding RRBs) and Local Area Banks to migrate from IPv4 to IPv6 preferably by December 2012, aligning with the National Telecom Policy 2012. Banks must form special teams to complete the transition and ensure payment gateways and websites are compliant.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7673&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/278",
   "title": "Fitch Ratings renamed India Ratings for capital adequacy",
   "url": "https://bankpulse.ai/c/rbi-2012-13-278/",
   "products": [],
   "summary": "RBI has updated its list of approved credit rating agencies for capital adequacy purposes, replacing 'Fitch India' with 'India Ratings and Research Private Limited (India Ratings)' and revising the rating symbols accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7669&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/277",
   "title": "Banks Allowed to Join Stock Exchanges for Corporate Bond Trading",
   "url": "https://bankpulse.ai/c/rbi-2012-13-277/",
   "products": [],
   "summary": "RBI now permits scheduled commercial banks to become members of SEBI-approved stock exchanges for proprietary corporate bond trades, aiming to boost transparency and liquidity in the corporate bond market.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7668&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/276",
   "title": "UNSCR 1988 Sanctions List Update for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-276/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update the UNSCR 1988 sanctions list for Taliban-linked entities. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7667&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/275",
   "title": "UAPA Sanctions List Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-275/",
   "products": [],
   "summary": "RBI directs Primary (Urban) Co-operative Banks to update their UNSCR 1267/1989 sanctions list with changes received from the Government of India. Banks must screen new and existing accounts against this list and follow the UAPA Order of August 27, 2009 for compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7666&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/274",
   "title": "UAPA Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-274/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their records with the latest UNSCR 1988 sanctions list, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7665&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:23 IST",
   "published_at_iso": "2026-06-19T23:23:00+05:30"
  },
  {
   "ref": "RBI/2012-13/300",
   "title": "RBI Reiterates Compliance on Branch Premises Lease Norms",
   "url": "https://bankpulse.ai/c/rbi-2012-13-300/",
   "products": [],
   "summary": "RBI reminds banks to strictly follow Board-approved policies for leasing branch premises and ensure locations comply with local municipal laws, after observing non-compliance causing customer inconvenience and reputational risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7704&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/299",
   "title": "Banks Can Now Open Admin Offices in Tier 1 Centres Without Prior Approval",
   "url": "https://bankpulse.ai/c/rbi-2012-13-299/",
   "products": [],
   "summary": "RBI now allows domestic scheduled commercial banks (excluding RRBs) to open administrative/controlling offices (Regional/Zonal) in Tier 1 centres (population 100,000+) without prior permission, subject to reporting. This increases operational flexibility for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7703&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/298",
   "title": "Export Proceeds Realisation Period Extended Till March 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-298/",
   "products": [],
   "summary": "RBI extends the 12-month export realisation period for goods/software from Oct 1, 2012 to Mar 31, 2013. SEZ units and overseas warehouse exports remain unchanged. AD banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7702&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/297",
   "title": "RBI Harmonises Infrastructure Lending Definition with Govt Master List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-297/",
   "products": [],
   "summary": "RBI aligns its infrastructure lending definition with the Government of India's master list of infrastructure sub-sectors notified on March 27, 2012, effective November 20, 2012. Existing loans to now-excluded sub-sectors retain benefits until project completion, but fresh lending to those sub-secto",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7700&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/296",
   "title": "RBI bans bank loans for gold purchase except working capital",
   "url": "https://bankpulse.ai/c/rbi-2012-13-296/",
   "products": [],
   "summary": "RBI has prohibited banks from granting advances for purchase of gold in any form—bullion, jewellery, coins, ETFs, or gold mutual funds—except for genuine working capital needs of jewellers. Existing gold metal loan schemes remain unaffected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7695&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/295",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2012-13-295/",
   "products": [],
   "summary": "RBI directs banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and freeze assets of designated individuals/entities as per UAPA 1967 procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7694&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/294",
   "title": "RBI Eases KYC Norms for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-294/",
   "products": [],
   "summary": "RBI has relaxed KYC document requirements for money changing transactions, allowing FFMCs to accept a wider range of address proofs like telephone bills or bank statements, easing compliance for foreign tourists and non-residents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7693&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/292",
   "title": "RBI Advises Urban Co-op Banks to Migrate to IPv6 Preferably by Dec 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-292/",
   "products": [],
   "summary": "RBI has instructed all Primary Urban Co-operative Banks to migrate their payment gateways, websites, and IT systems from IPv4 to IPv6 preferably by December 2012, in line with the National Telecom Policy 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7687&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/291",
   "title": "Educational Loan: Service Area Norms Not Applicable",
   "url": "https://bankpulse.ai/c/rbi-2012-13-291/",
   "products": [],
   "summary": "RBI clarifies that service area norms apply only to government-sponsored schemes, not educational loans. Banks cannot reject educational loan applications solely because the borrower's residence is outside the bank's service area.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7686&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/290",
   "title": "RBI Cracks Down on Crop Loan Diversion Under Interest Subvention Scheme",
   "url": "https://bankpulse.ai/c/rbi-2012-13-290/",
   "products": [],
   "summary": "RBI warns banks that crop loans under the interest subvention scheme are being diverted to fixed deposits and other investments. Banks must strengthen pre- and post-disbursement checks to ensure funds reach genuine farmers and meet scheme criteria, or risk losing subvention claims.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7685&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/289",
   "title": "RBI advises NBFCs to migrate to IPv6 preferably by December 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-289/",
   "products": [],
   "summary": "RBI has advised all NBFCs to complete migration from IPv4 to IPv6 preferably by December 2012, aligning with the National Telecom Policy 2012. Form a special team to manage the transition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7684&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/288",
   "title": "RRBs Must Migrate to IPv6 by December 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-288/",
   "products": [],
   "summary": "RBI advises all Regional Rural Banks to migrate from IPv4 to IPv6 preferably by December 2012, aligning with the National Telecom Policy 2012. Form a special team to complete the transition promptly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7683&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:18 IST",
   "published_at_iso": "2026-06-19T23:18:00+05:30"
  },
  {
   "ref": "RBI/2012-13/313",
   "title": "Nomination Forms: Only Thumb Impressions Need Witnesses",
   "url": "https://bankpulse.ai/c/rbi-2012-13-313/",
   "products": [],
   "summary": "RBI clarifies that under the Co-operative Banks (Nomination) Rules, 1985, only thumb impressions on nomination forms require attestation by two witnesses; signatures do not need witness attestation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7727&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/311",
   "title": "LO/BO Reporting to Income Tax: AAC with Audited Statements",
   "url": "https://bankpulse.ai/c/rbi-2012-13-311/",
   "products": [],
   "summary": "RBI now requires LOs/BOs to submit audited financials with the Annual Activity Certificate to DGIT (International Taxation). AD banks must also endorse renewal copies to the same office. Compliance is mandatory under FEMA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7725&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2006-07/178",
   "title": "G-Sec Auction: 8.07% 2017, 8.33% 2026, 8.97% 2030 on Nov 30",
   "url": "https://bankpulse.ai/c/rbi-2006-07-178/",
   "products": [],
   "summary": "RBI will auction three government stocks on Nov 30, 2012: 8.07% G-Sec 2017 (Rs 3,000 cr), 8.33% G-Sec 2026 (Rs 7,000 cr), and 8.97% G-Sec 2030 (Rs 3,000 cr) via uniform price method. Non-competitive bids up to 5% of notified amount are allowed for eligible individuals and institutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7724&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/310",
   "title": "RBI eases ECB norms for 2G spectrum auction bidders",
   "url": "https://bankpulse.ai/c/rbi-2012-13-310/",
   "products": [],
   "summary": "RBI has relaxed ECB rules for successful 2G auction bidders, allowing refinancing of rupee loans, bridge finance, and waiver of liability-equity ratio for loans from parent companies holding 25% equity. These relaxations are a special dispensation for the upcoming auction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7720&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/308",
   "title": "RBI reiterates SC/ST Special Cell mandate for all banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-308/",
   "products": [],
   "summary": "RBI has reminded all scheduled commercial banks to set up a Special Cell for SC/ST beneficiaries, as required under the July 2012 Master Circular on Priority Sector Lending. This follows a parliamentary committee finding that one bank had no such cell.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7718&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/307",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-307/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update their UNSCR 1267 Al-Qaida sanctions list with new entries from November 15, 2012. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per earlier UAPA orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7716&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/306",
   "title": "RBI directs co-op banks to migrate to IPv6 by Dec 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-306/",
   "products": [],
   "summary": "RBI has asked all State and District Central Co-operative Banks to migrate their websites, payment gateways, and IT systems from IPv4 to IPv6 by December 2012, in line with the National Telecom Policy 2012. A special team must be formed to ensure timely completion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7714&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/305",
   "title": "NBFCs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2012-13-305/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UNSCR 1988 Taliban sanctions list (updated Oct 19 & 25, 2012) and screen new and existing accounts against it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7709&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/304",
   "title": "RBI Mandates Strict Info Sharing on Credit & Exposures",
   "url": "https://bankpulse.ai/c/rbi-2012-13-304/",
   "products": [],
   "summary": "RBI orders banks to share credit, derivatives, and unhedged FX exposure data among themselves by end-December 2012. From January 1, 2013, no fresh or renewed loans without prior information exchange. Non-compliance invites penalty.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7708&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/303",
   "title": "RBI pushes banks to expand NECS/RECS branch coverage",
   "url": "https://bankpulse.ai/c/rbi-2012-13-303/",
   "products": [],
   "summary": "RBI has directed banks to bring all CBS-enabled branches under NECS/RECS, prioritizing those already on NEFT. Banks must submit a time-bound plan. This aims to close the gap between NEFT and NECS branch coverage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7707&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/302",
   "title": "RBI Tightens Norms on Unhedged Forex Exposure of Corporates",
   "url": "https://bankpulse.ai/c/rbi-2012-13-302/",
   "products": [],
   "summary": "RBI has reiterated that banks must rigorously evaluate unhedged foreign currency exposure risks of corporates and price them into credit risk premiums. Banks must also set board-approved limits on unhedged positions and submit compliance reports by end-December 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7706&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/301",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.75.57",
   "url": "https://bankpulse.ai/c/rbi-2012-13-301/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.75.570411, effective October 25, 2012. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7705&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:10 IST",
   "published_at_iso": "2026-06-19T23:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/325",
   "title": "RBI Grants General Permission for Co-Branded Prepaid Cards",
   "url": "https://bankpulse.ai/c/rbi-2012-13-325/",
   "products": [],
   "summary": "RBI now allows banks to issue rupee-denominated co-branded prepaid cards without prior approval, subject to board-approved policies, due diligence, and KYC/AML compliance. This replaces earlier case-by-case approval requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7742&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/323",
   "title": "Exim Bank's USD 178 Million Line of Credit to Tanzania",
   "url": "https://bankpulse.ai/c/rbi-2012-13-323/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 178.125 million line of credit to Tanzania for water supply projects. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7741&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/322",
   "title": "RBI Modifies KYC Norms (2012) to Reduce Customer Inconvenience",
   "url": "https://bankpulse.ai/c/rbi-2012-13-322/",
   "products": [],
   "summary": "RBI eases KYC rules: one document can prove both identity and address if address matches; no mandatory introduction needed; Aadhaar letter accepted. Banks must update processes to reduce customer inconvenience and support financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7740&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/321",
   "title": "NBFCs Must Update UN Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-321/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida sanctions list. Before opening new accounts, verify proposed customers against this list, and scan existing accounts to ensure no linked entities or individuals are present.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7739&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/320",
   "title": "Oman International Bank renamed HSBC Bank Oman in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2012-13-320/",
   "products": [],
   "summary": "RBI has officially changed the name of 'Oman International Bank S.A.O.G' to 'HSBC Bank Oman S.A.O.G' in the Second Schedule to the RBI Act, 1934, effective from a notification dated September 26, 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7738&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/319",
   "title": "RBI Revamps NBFC Registration Checklist – Dec 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-319/",
   "products": [],
   "summary": "RBI has issued an exhaustive checklist for NBFC registration applications to speed up processing. Five separate checklists now cover NBFCs, NBFC-MFIs, NBFC-Factors, and CICs. Conversion applications from existing NBFCs need only a letter and documents, not the full form.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7737&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/318",
   "title": "RRBs: Strengthen NPA Early Warning & Data Systems",
   "url": "https://bankpulse.ai/c/rbi-2012-13-318/",
   "products": [],
   "summary": "RBI directs RRBs to upgrade IT/MIS for early distress detection at account and segment levels, ensure data consistency, and generate system-based segment-wise NPA/restructured asset reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7736&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/317",
   "title": "RRBs barred from financing gold purchases",
   "url": "https://bankpulse.ai/c/rbi-2012-13-317/",
   "products": [],
   "summary": "RBI has prohibited Regional Rural Banks from granting any advances for purchase of gold in any form—bullion, jewellery, coins, ETFs, or gold mutual funds—except genuine working capital finance for jewellers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7735&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/316",
   "title": "RBI mandates FIMMDA Code of Conduct for NDS-OM and OTC trades",
   "url": "https://bankpulse.ai/c/rbi-2012-13-316/",
   "products": [],
   "summary": "RBI has directed all SGL/CSGL account holders to follow the FIMMDA Code of Conduct when trading on NDS-OM and OTC markets, as per circular dated December 6, 2012, to ensure integrity in the government securities market.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7734&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/315",
   "title": "UCBs: Submit CTS-2010 Compliance Report Immediately",
   "url": "https://bankpulse.ai/c/rbi-2012-13-315/",
   "products": [],
   "summary": "RBI has flagged that some Urban Co-operative Banks have not yet submitted their compliance report confirming migration to CTS-2010 standard cheques. Banks must send the confirmation to DPSS without further delay to avoid regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7733&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/314",
   "title": "CIC Overseas Investment Directions 2012: Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2012-13-314/",
   "products": [],
   "summary": "RBI issued separate overseas investment directions for Core Investment Companies (CICs), requiring prior approval for financial sector investments and registration for exempted CICs. Non-financial investments remain exempt from registration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7732&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/312",
   "title": "Exim Bank's $13M Line of Credit to Togo for Agriculture",
   "url": "https://bankpulse.ai/c/rbi-2012-13-312/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 13.095 million Line of Credit to Togo for rice, maize, and sorghum farming. At least 75% of contract value must be sourced from India. Banks must facilitate GR/SDF declarations and allow commission payments from exporter resources post-realizati",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7726&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 23:02 IST",
   "published_at_iso": "2026-06-19T23:02:00+05:30"
  },
  {
   "ref": "RBI/2012-13/337",
   "title": "RBI Relaxes Trade Credit Norms for Infrastructure Sector Imports",
   "url": "https://bankpulse.ai/c/rbi-2012-13-337/",
   "products": [],
   "summary": "RBI has eased the 'abinitio' buyers' credit condition from 15 months to 6 months for existing trade credits in the infrastructure sector, allowing more flexibility for import of capital goods. The 15-month condition remains for future trade credits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7755&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/336",
   "title": "Trade Credit All-in-Cost Ceiling Extended Till March 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-336/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for trade credits on imports until March 31, 2013. No other changes to trade credit policy have been made. Banks must inform customers and ensure compliance with FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7754&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/335",
   "title": "CTS-2010 Cheque Migration Deadline Extended to March 31, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-335/",
   "products": [],
   "summary": "RBI extends the deadline for withdrawing non-CTS-2010 cheques and replacing post-dated EMI cheques to March 31, 2013. After this, residual non-CTS cheques will be cleared less frequently. Banks must complete the migration and customer awareness efforts by the new date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7753&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/333",
   "title": "RRBs: Nomination Rules Clarified – Witness & Joint Accounts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-333/",
   "products": [],
   "summary": "RBI clarifies that only thumb impressions on nomination forms need two witnesses; signatures don't require attestation. Banks must also offer nomination facility for all joint deposit accounts, including those with 'Either or Survivor' mandate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7752&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/332",
   "title": "UCBs: Register Equitable Mortgages with CERSAI to Curb Loan Frauds",
   "url": "https://bankpulse.ai/c/rbi-2012-13-332/",
   "products": [],
   "summary": "RBI directs Urban Co-operative Banks to voluntarily register equitable mortgages with CERSAI, a central electronic registry, to prevent frauds involving multiple lending on the same property and enable lenders to search security interests before sanctioning loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7750&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/331",
   "title": "RBI Simplifies KYC Norms for RRBs and Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-331/",
   "products": [],
   "summary": "RBI has eased KYC rules for RRBs and cooperative banks: a single document can now serve as both identity and address proof if the address matches, introduction is no longer mandatory, and Aadhaar letters are accepted for address proof. This aims to reduce customer inconvenience and boost financial i",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7749&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/330",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-330/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update their UNSCR 1267 Al-Qaida sanctions list with new entries from November-December 2012, screen all new and existing accounts against this list, and follow UAPA freezing procedures strictly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7748&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/329",
   "title": "NBFCs: Stop Reporting Attempted Frauds Over ₹25 Lakh to RBI",
   "url": "https://bankpulse.ai/c/rbi-2012-13-329/",
   "products": [],
   "summary": "RBI withdraws the requirement for NBFCs to report attempted frauds of ₹25 lakh or more to its Fraud Monitoring Cell. However, such cases must still be placed before the Audit Committee of the Board with detailed analysis, and a yearly consolidated review must be submitted to RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7747&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/328",
   "title": "RBI Tightens NBFC Fraud Reporting Rules",
   "url": "https://bankpulse.ai/c/rbi-2012-13-328/",
   "products": [],
   "summary": "RBI mandates NBFCs-ND-SI to report frauds of Rs 25 lakh+ to DBS Central Office within three weeks (21 days) via FMR-1, with a copy to the regional DNBS office. FMR-3 quarterly reports should be filed with DBS CO only for frauds of Rs 25 lakh or above; for smaller frauds (Rs 1 lakh and above), file o",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7746&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/326",
   "title": "FATF AML/CFT Update: New Jurisdiction Risks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-326/",
   "products": [],
   "summary": "RBI circular dated December 12, 2012 directs banks to review FATF's October 19, 2012 update on AML/CFT compliance gaps in certain jurisdictions. While no ban on legitimate trade, banks must factor these risks into their due diligence processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7745&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/327",
   "title": "UAPA Sanctions List Updates: Al-Qaida Designations",
   "url": "https://bankpulse.ai/c/rbi-2012-13-327/",
   "products": [],
   "summary": "RBI mandates banks to update Al-Qaida sanctions list from UN, screen new and existing accounts, and freeze assets of designated individuals/entities per UAPA Order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7744&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/324",
   "title": "RBI's 2012 Debit Card Guidelines: Co-branded Cards & Offline Card Phase-Out",
   "url": "https://bankpulse.ai/c/rbi-2012-13-324/",
   "products": [],
   "summary": "RBI issued comprehensive debit card guidelines in December 2012, allowing banks to issue co-branded debit cards without prior approval, phasing out offline debit cards within six months, and requiring board-approved policies. Banks must discontinue offline cards within six months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7743&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:53 IST",
   "published_at_iso": "2026-06-19T22:53:00+05:30"
  },
  {
   "ref": "RBI/2012-13/350",
   "title": "Exim Bank's USD 250 mn Line of Credit to Mozambique",
   "url": "https://bankpulse.ai/c/rbi-2012-13-350/",
   "products": [],
   "summary": "RBI notified AD Category-I banks about Exim Bank's USD 250 million Line of Credit to Mozambique for power supply projects. At least 75% of contract value must be sourced from India. Banks must advise exporters and handle GR/SDF declarations and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7777&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/349",
   "title": "Exim Bank's $19 mn Line of Credit to Guyana for Hospital",
   "url": "https://bankpulse.ai/c/rbi-2012-13-349/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 19 million Line of Credit to Guyana for a multispecialty hospital. At least 75% of contract value must be sourced from India. Banks must facilitate GR/SDF declarations and allow commission payments from exporter's own resources post-realization.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7776&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/348",
   "title": "Co-op Bank Nomination Forms: Only Thumb Impressions Need Witnesses",
   "url": "https://bankpulse.ai/c/rbi-2012-13-348/",
   "products": [],
   "summary": "RBI clarifies that for nomination forms under the Co-operative Banks (Nomination) Rules, 1985, only thumb impressions require attestation by two witnesses; signatures of account holders do not need witness attestation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7771&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/347",
   "title": "SDS 1975 Interest Payment for CY 2012",
   "url": "https://bankpulse.ai/c/rbi-2012-13-347/",
   "products": [],
   "summary": "RBI directs banks to pay SDS 1975 interest for CY 2012 at 8.6% p.a. (Jan-Mar) and 8.8% p.a. (Apr-Dec) via ECS/NECS/NEFT/RTGS or cheques on Jan 1, 2013. Follow earlier circular instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7770&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/346",
   "title": "ECB Rules for MFIs and NGOs Extended, Full Hedging Mandated",
   "url": "https://bankpulse.ai/c/rbi-2012-13-346/",
   "products": [],
   "summary": "RBI has extended existing ECB guidelines for MFIs and NGOs until further review. The key requirement: all such borrowings must be fully hedged. AD Category-I banks must verify hedging compliance at drawdown.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7769&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/345",
   "title": "NBFCs get more time for CTS-2010 cheque migration",
   "url": "https://bankpulse.ai/c/rbi-2012-13-345/",
   "products": [],
   "summary": "RBI extends the deadline for NBFCs to replace non-CTS-2010 compliant cheques (including post-dated EMI cheques) from December 31, 2012 to March 31, 2013. After this, residual non-compliant cheques will still be cleared but at less frequent intervals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7768&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/344",
   "title": "RBI Advises Payment System Operators to Migrate to IPv6, Report Progress by March 30, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-344/",
   "products": [],
   "summary": "RBI advises all payment system operators to migrate from IPv4 to IPv6 at the earliest, aligning with the National Telecom Policy 2012. A special team must be formed, and progress reported by March 30, 2013. This ensures readiness for broadband expansion and address exhaustion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7767&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/343",
   "title": "CTS 2010 Migration: Final Deadline Extended to March 31, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-343/",
   "products": [],
   "summary": "RBI has extended the deadline for UCBs to withdraw non-CTS 2010 cheques to March 31, 2013. After this final extension, residual non-compliant cheques will still be accepted but cleared less frequently. Banks must ensure full compliance by this date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7766&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/342",
   "title": "RBI Simplifies KYC Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-342/",
   "products": [],
   "summary": "RBI has eased KYC rules for Primary Urban Co-operative Banks: one document can now serve as both identity and address proof if the address matches, introduction is no longer mandatory, and Aadhaar letters are accepted for address verification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7765&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/340",
   "title": "Updated FATF AML/CFT Guidance for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-340/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to review the FATF's October 2012 updated statement on high-risk jurisdictions and AML/CFT compliance gaps, but clarifies that legitimate trade with those countries remains unaffected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7759&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/339",
   "title": "ECB for Low Cost Affordable Housing Projects",
   "url": "https://bankpulse.ai/c/rbi-2012-13-339/",
   "products": [],
   "summary": "RBI now allows ECB under approval route for low cost affordable housing. Developers with minimum 5 years experience in residential projects and HFCs with minimum paid-up capital INR 50 crore and minimum NOF for past three financial years not less than INR 300 crore can borrow. Projects must have at ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7757&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/338",
   "title": "ECB All-in-Cost Ceiling Extended Till March 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-338/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for External Commercial Borrowings (ECB) until March 31, 2013. No changes to the ceiling or other ECB rules. Banks must inform customers and ensure compliance with FEMA provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7756&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:46 IST",
   "published_at_iso": "2026-06-19T22:46:00+05:30"
  },
  {
   "ref": "RBI/2012-13/365",
   "title": "Repo in Corporate Debt: Revised Haircuts & Eligible Securities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-365/",
   "products": [],
   "summary": "RBI has lowered minimum haircuts for repo in corporate debt securities and expanded eligible securities to include CPs, CDs, and short-term NCDs. Effective January 8, 2013, these changes aim to deepen the corporate bond market and improve liquidity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7792&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/364",
   "title": "Priority Sector Lending Reporting Overhauled",
   "url": "https://bankpulse.ai/c/rbi-2012-13-364/",
   "products": [],
   "summary": "RBI rationalized priority sector reporting by introducing revised monthly, quarterly, and yearly formats, discontinuing four legacy statements from April 1, 2013. Banks must submit data using new templates within prescribed timelines starting December 2012.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7791&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/363",
   "title": "Fraud Reporting Timelines Revised for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-363/",
   "products": [],
   "summary": "RBI has revised fraud reporting timelines: quarterly reviews for June, September, December must go to Audit Committee the following month; March quarter review is replaced by annual review due by June 30, kept for RBI inspection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7790&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/362",
   "title": "KYC Relaxation for MTSS Cross-Border Remittances",
   "url": "https://bankpulse.ai/c/rbi-2012-13-362/",
   "products": [],
   "summary": "RBI eases KYC for MTSS inward remittances: if the ID proof document shows the same address as declared, it serves as both identity and address proof. Separate address proof is needed only if addresses differ. Agents must ensure sub-agents comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7789&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/361",
   "title": "KYC/AML Norms for Money Changing: Address Proof Simplified",
   "url": "https://bankpulse.ai/c/rbi-2012-13-361/",
   "products": [],
   "summary": "RBI eases KYC for money changing: if the ID proof document shows the same address as declared, it serves as both identity and address proof. Separate address proof is needed only if addresses differ.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7788&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/360",
   "title": "RBI Directs Banks to Boost SJSRY Urban Poor Lending",
   "url": "https://bankpulse.ai/c/rbi-2012-13-360/",
   "products": [],
   "summary": "RBI has instructed all scheduled commercial banks (excluding RRBs) to liberalize lending under the Swarna Jayanti Shahari Rozgar Yojana (SJSRY) for urban poor, citing non-cooperation reports. Banks must review scheme performance in SLBC/DLBC meetings and submit monthly progress reports to state and ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7787&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/359",
   "title": "Revised Softex Procedure Extended to All SEZs/EPZs/EOUs/DTAs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-359/",
   "products": [],
   "summary": "RBI extends the simplified Softex procedure to all SEZs, EPZs, 100% EOUs, and DTAs with immediate effect. Large software exporters with annual turnover of at least Rs. 1000 crore or filing 600+ SOFTEX forms annually can now submit statements in revised excel format.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7786&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/356",
   "title": "RBI Extends White Label ATM Application Deadline to Jan 15, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-356/",
   "products": [],
   "summary": "RBI has extended the application submission date for White Label ATM operators to January 15, 2013, to allow entities more time to secure FIPB approval and raise their net worth to Rs. 100 crore. Applications will be processed subject to fulfilling net worth norms and/or FIPB approval by June 30, 20",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7783&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/354",
   "title": "Revised Investment Limits for Micro Enterprise Lending (40:20 Rule)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-354/",
   "products": [],
   "summary": "RBI has revised the investment limits for micro enterprises under the 40:20 lending sub-targets, effective immediately. Manufacturing micro units now qualify for the 40% bucket with plant & machinery up to ₹10 lakh (was ₹5 lakh), and service micro units with equipment up to ₹4 lakh (was ₹2 lakh). Th",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7781&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/353",
   "title": "RBI Updates NBFCs on FATF AML/CFT Jurisdiction Risks (October 19, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-353/",
   "products": [],
   "summary": "RBI directs NBFCs/RNBCs to review FATF's October 2012 updated statement on AML/CFT deficiencies in certain jurisdictions. Firms must factor this into risk assessments but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7780&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/352",
   "title": "UAPA Sanctions List Update for NBFCs (Dec 2012)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-352/",
   "products": [],
   "summary": "RBI mandates NBFCs to update their UN Al-Qaida sanctions list with November-December 2012 changes. Before opening new accounts, check customer names against the list; also scan existing accounts for matches. Full list is on the UN website.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7779&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/351",
   "title": "NBFC Infrastructure Loan Definition Harmonised with Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-351/",
   "products": [],
   "summary": "RBI has aligned NBFC infrastructure loan definition with banks, adopting the government's March 2012 master list. Existing exposures to dropped sub-sectors retain benefits until project completion, but fresh loans from December 28, 2012, no longer qualify as infrastructure lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7778&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:38 IST",
   "published_at_iso": "2026-06-19T22:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/388",
   "title": "Beneficial Ownership KYC Norms for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-388/",
   "products": [],
   "summary": "RBI mandates RRBs and co-op banks to identify beneficial owners per PMLA rules. For non-individual clients, banks must trace natural persons with >25% ownership (companies) or >15% (partnerships/associations). Trusts require settlor, trustee, and beneficiary details. Listed company subsidiaries are ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7819&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/377",
   "title": "CAG Audit on ADWDRS 2008: Corrective Actions Required",
   "url": "https://bankpulse.ai/c/rbi-2012-13-377/",
   "products": [],
   "summary": "RBI mandates banks to recover ineligible benefits, fix staff responsibility, and issue pending certificates under ADWDRS 2008 within one month, following CAG audit findings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7803&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/375",
   "title": "FDI via equity shares: second-hand machinery imports excluded from government route",
   "url": "https://bankpulse.ai/c/rbi-2012-13-375/",
   "products": [],
   "summary": "RBI has revised FDI rules to exclude second-hand machinery imports from the government route for equity share issuance. Only new capital goods, machinery, and equipment qualify for conversion into equity/preference shares under this scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7802&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/374",
   "title": "MTSS Reports: Mandatory FINnet Gateway Upload from Oct 20, 2012 (RBI Circular Jan 10, 2013)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-374/",
   "products": [],
   "summary": "From October 20, 2012, all Indian agents under MTSS must upload reports only via FINnet Gateway in XML format. CD submissions will be invalid after that date. Ensure timely compliance with FIU-IND requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7801&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/373",
   "title": "FIU-IND Mandates FINnet Gateway for Report Submission",
   "url": "https://bankpulse.ai/c/rbi-2012-13-373/",
   "products": [],
   "summary": "FIU-IND has set October 20, 2012 as the go-live date for mandatory report submission via FINnet Gateway in XML format. CD-based submissions will be invalid after this date. All authorised persons must transition immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7800&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/372",
   "title": "Updated FATF AML/CFT Guidance for MTSS Cross-Border Remittances",
   "url": "https://bankpulse.ai/c/rbi-2012-13-372/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to consider FATF's updated October 2012 AML/CFT statement for cross-border inward remittances, without blocking legitimate transactions. Sub-agents must also comply, with Indian Agents fully responsible.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7799&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/371",
   "title": "RBI Updates AML/CFT Guidance on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-371/",
   "products": [],
   "summary": "RBI directs authorised persons to factor in FATF's October 2012 updated statement on AML/CFT compliance deficiencies in certain jurisdictions, while not banning legitimate transactions. Agents and franchisees must also follow these guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7798&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/370",
   "title": "SBI Gets Lead Bank Role for New Arunachal District Longding",
   "url": "https://bankpulse.ai/c/rbi-2012-13-370/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for the newly formed Longding district in Arunachal Pradesh, carved from Tirap district. District working code 335 is allotted for BSR reporting. Lead bank responsibilities for Tirap and other districts remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7797&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/369",
   "title": "PSOs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2012-13-369/",
   "products": [],
   "summary": "RBI mandates all Payment System Operators to update their records with the latest UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals/entities as per UAPA 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7796&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/368",
   "title": "RBI Updates AML/CFT Standards Based on FATF October 2012 Statement",
   "url": "https://bankpulse.ai/c/rbi-2012-13-368/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to review and act on FATF's updated October 2012 AML/CFT statement, which lists high-risk jurisdictions. This does not block legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7795&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/367",
   "title": "ECB limit for NBFC-IFCs raised to 75% of owned funds",
   "url": "https://bankpulse.ai/c/rbi-2012-13-367/",
   "products": [],
   "summary": "RBI has raised the automatic route ECB limit for NBFC-IFCs from 50% to 75% of owned funds and reduced mandatory currency hedging from 100% to 75% of exposure. Approvals needed beyond 75%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7794&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/366",
   "title": "RBI Expands CDS Scope to Unlisted Bonds and Short-Term Paper",
   "url": "https://bankpulse.ai/c/rbi-2012-13-366/",
   "products": [],
   "summary": "RBI now permits Credit Default Swaps on unlisted rated corporate bonds (including non-infra) and short-term instruments like CPs, CDs, and NCDs under 1 year. Users can unwind bought CDS positions at mutually agreed or FIMMDA prices, with FIMMDA price as fallback.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7793&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:30 IST",
   "published_at_iso": "2026-06-19T22:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/390",
   "title": "EEFC, DDA & RFC Domestic Account Rule Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-390/",
   "products": [],
   "summary": "RBI has removed the requirement for EEFC, DDA, and RFC Domestic account holders to fully use their balances before buying forex from the market, easing operational difficulties for account holders and AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7821&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/389",
   "title": "Interest Subvention on Rupee Export Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-389/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit for specified sectors from April 1, 2013 to March 31, 2014, and adds 134 engineering product lines to the scheme from January 1, 2013 to March 31, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7820&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/387",
   "title": "ECB Scheme Expanded to Hotel Sector for Rupee Loan Repayment",
   "url": "https://bankpulse.ai/c/rbi-2012-13-387/",
   "products": [],
   "summary": "RBI has expanded the USD 10 billion ECB scheme to include hotel companies with project cost of INR 250 crore or more, allowing them to borrow externally for repaying domestic rupee loans or fresh capex. AD Category-I banks must certify project cost when forwarding applications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7818&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/386",
   "title": "UCBs Must Simplify Claims for Deceased Depositors",
   "url": "https://bankpulse.ai/c/rbi-2012-13-386/",
   "products": [],
   "summary": "RBI has flagged that some Urban Co-operative Banks still demand indemnity bonds or legal papers from nominees/survivors for deceased depositor claims. Banks must follow existing simplified rules: no succession certificate, indemnity bond, or surety needed for accounts with survivor/nominee clause, r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7817&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/385",
   "title": "Beneficial Ownership Identification Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-385/",
   "products": [],
   "summary": "RBI mandates banks to identify and verify beneficial owners for non-individual clients using a three-step process: controlling ownership (>25% for companies, >15% for partnerships/associations), other control means, or senior managing official. Trusts require settlor, trustee, protector, and 15%+ be",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7816&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/384",
   "title": "Exim Bank's USD 20 mn LOC to Nigerian Export-Import Bank",
   "url": "https://bankpulse.ai/c/rbi-2012-13-384/",
   "products": [],
   "summary": "RBI notifies a USD 20 million line of credit from Exim Bank to Nigeria's Exim Bank for financing Indian exports. AD Category-I banks must inform exporters, ensure GR/SDF declarations, and follow commission rules. Last LC opening date is May 9, 2015; disbursement by November 9, 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7815&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/383",
   "title": "RBI Cracks Down on AD Banks for FEMA Reporting Lapses",
   "url": "https://bankpulse.ai/c/rbi-2012-13-383/",
   "products": [],
   "summary": "RBI warns AD banks that over 70% of FEMA compounding cases stem from FDI/ECB/ODI reporting delays, often due to bank errors. Banks must tighten internal checks to avoid penalties under Section 11(3) of FEMA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7814&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/382",
   "title": "Quarterly ATM Denial-of-Service Reporting Mandate",
   "url": "https://bankpulse.ai/c/rbi-2012-13-382/",
   "products": [],
   "summary": "RBI now requires banks to submit a quarterly board-level report on ATM service denials, including business and technical declines, alongside existing penalty reviews. Non-compliance invites penalties under the Payment and Settlement Systems Act, 2007.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7813&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/381",
   "title": "CAG Audit of ADWDRS 2008: UCBs Must Act on Irregularities",
   "url": "https://bankpulse.ai/c/rbi-2012-13-381/",
   "products": [],
   "summary": "RBI directs UCBs to recover funds from ineligible farmers, fix staff responsibility, and issue pending certificates under the ADWDRS 2008, following CAG audit findings of tampering and misdisbursement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7812&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/379",
   "title": "Special Export Credit Refinance Facility for PCFC",
   "url": "https://bankpulse.ai/c/rbi-2012-13-379/",
   "products": [],
   "summary": "RBI offers scheduled banks (ex-RRBs) a special rupee refinance facility linked to the swap for incremental PCFC. The rate is the repo rate (8.0% then). Available Jan 21 to Jun 28, 2013. Existing ECR continues.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7806&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/378",
   "title": "RBI USD-INR Swap for Export Credit Growth",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-378/",
   "products": [],
   "summary": "RBI introduced a USD-INR swap facility from Jan 21 to Jun 28, 2013, allowing scheduled banks (excluding RRBs) to swap dollars for rupees to support incremental pre-shipment export credit in foreign currency (PCFC). Banks can access rupee refinance up to the swap amount.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7805&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/376",
   "title": "RBI Extends 2% Export Credit Subvention to Engineering Goods",
   "url": "https://bankpulse.ai/c/rbi-2012-13-376/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit to 134 engineering tariff lines from Jan 1 to Mar 31, 2013, and renews the scheme for 8 sectors including SMEs for FY 2013-14. Banks must reduce lending rates by subvention amount, subject to a 7% floor.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7804&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:21 IST",
   "published_at_iso": "2026-06-19T22:21:00+05:30"
  },
  {
   "ref": "RBI/2012-13/404",
   "title": "Bank Rate Cut to 8.75%: Impact on UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-404/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.75% effective January 29, 2013. This lowers penal interest on reserve shortfalls and SSI refinance rate for Urban Co-operative Banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7840&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/403",
   "title": "CRR Cut for Urban Co-op Banks: 25 bps Reduction",
   "url": "https://bankpulse.ai/c/rbi-2012-13-403/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled Urban Co-operative Banks by 25 bps to 4.0% of NDTL, effective fortnight from Feb 9, 2013. This frees up liquidity for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7839&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/402",
   "title": "Bank Rate Cut by 25 bps to 8.75%",
   "url": "https://bankpulse.ai/c/rbi-2012-13-402/",
   "products": [],
   "summary": "RBI reduced the Bank Rate from 9.00% to 8.75% effective January 29, 2013, following the Third Quarter Review of Monetary Policy 2012-13. Penal interest rates on reserve shortfalls linked to Bank Rate also adjusted downward.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7838&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/401",
   "title": "CRR Reduced by 25 bps to 4.00% for Scheduled Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-401/",
   "products": [],
   "summary": "RBI cuts CRR by 25 bps from 4.25% to 4.00% of NDTL for scheduled commercial banks, effective fortnight beginning February 9, 2013. Local area banks must also maintain 4.00% from that date, up from 3.00%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7837&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/400",
   "title": "Repo Rate Cut to 7.75%: Standing Liquidity Facilities Repriced",
   "url": "https://bankpulse.ai/c/rbi-2012-13-400/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 7.75% effective January 29, 2013. All standing liquidity facilities for banks (ECR, SECR) and Primary Dealers are now available at this lower rate, reducing borrowing costs for eligible institutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7836&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/399",
   "title": "KYC eased for account transfers: Self-declaration of address allowed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-399/",
   "products": [],
   "summary": "Banks can now transfer accounts to a new branch without fresh address proof, accepting a self-declaration instead. Customers get six months to submit valid proof. Rent agreements are also now acceptable as address proof.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7835&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/398",
   "title": "Repo Rate Cut by 25 bps to 7.75% in Q3 Policy Review",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-398/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 7.75% effective immediately. Reverse repo and MSF rates adjusted to 6.75% and 8.75% respectively. All other LAF and MSF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7834&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/396",
   "title": "RBI mandates standardised IRS contracts from April 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-396/",
   "products": [],
   "summary": "RBI has mandated standardisation of INR MIBOR-OIS contracts from April 1, 2013, to improve tradability and enable future central clearing. FIMMDA will prescribe minimum notional, tenors, trading hours, and settlement rules. Client trades are exempt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7828&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/395",
   "title": "Beneficial Ownership Rules for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-395/",
   "products": [],
   "summary": "RBI mandates urban co-op banks to identify beneficial owners per PMLA rules. Banks must verify natural persons owning >25% in companies, >15% in partnerships/trusts, or controlling through other means. Listed company exemptions apply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7827&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/394",
   "title": "RBI expands permitted payments via exchange house vostro accounts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-394/",
   "products": [],
   "summary": "RBI has modified items 7 and 8 of the permitted transactions list for vostro accounts of non-resident exchange houses, now explicitly allowing payments to medical institutions and hotels for specified foreign nationals and NRIs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7826&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/393",
   "title": "RBI Redefines Bulk Deposits and Premature Withdrawal Rules",
   "url": "https://bankpulse.ai/c/rbi-2012-13-393/",
   "products": [],
   "summary": "RBI now defines bulk deposits as single rupee term deposits of ₹1 crore and above, replacing the earlier ₹15 lakh threshold. Banks can disallow premature withdrawal for these deposits, including for individuals and HUFs, with advance notice. Differential interest rates are now allowed only on bulk d",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7825&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/391",
   "title": "RBI hikes FII investment limits in govt securities and corporate debt",
   "url": "https://bankpulse.ai/c/rbi-2012-13-391/",
   "products": [],
   "summary": "RBI raised FII investment limits: govt securities from USD 20bn to USD 25bn, corporate debt from USD 45bn to USD 50bn. The sub-limit for long-term investors in dated govt securities increased by USD 5bn to USD 15bn, with the 3-year residual maturity condition removed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7823&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:12 IST",
   "published_at_iso": "2026-06-19T22:12:00+05:30"
  },
  {
   "ref": "RBI/2012-13/416",
   "title": "RBI Mandates Fair Practices Code & Grievance Redressal for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-416/",
   "products": [],
   "summary": "RBI directs all NBFCs to adopt a Fair Practices Code with a board-approved grievance redressal mechanism, display grievance redressal officer details at branches and local RBI office, and provide loan terms in the borrower's language. Compliance required within one month from February 18, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7866&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/415",
   "title": "Gold Deposit Scheme 2013: Key Changes for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-415/",
   "products": [],
   "summary": "RBI has updated the Gold Deposit Scheme guidelines, allowing Mutual Funds and ETFs to deposit gold, reducing minimum maturity to 6 months, and removing prior RBI approval for banks. Banks must now report monthly consolidated gold mobilisation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7865&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/414",
   "title": "NRO Account Opening for Bangladesh Nationals: RBI Eases Rules",
   "url": "https://bankpulse.ai/c/rbi-2012-13-414/",
   "products": [],
   "summary": "RBI now permits authorised banks to open NRO accounts for individuals of Bangladesh nationality without prior RBI approval, subject to valid visa and FRRO/FRO registration. Banks must report quarterly to the Ministry of Home Affairs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7855&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/413",
   "title": "RBI Bans Co-op Banks from Financing Gold Purchases",
   "url": "https://bankpulse.ai/c/rbi-2012-13-413/",
   "products": [],
   "summary": "RBI has reiterated that state and central co-operative banks must not grant any advance for purchase of gold in any form—including bullion, jewellery, coins, ETFs, or mutual fund units—to curb speculative demand and rising gold imports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7853&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/412",
   "title": "Standalone PDs allowed to trade corporate bonds on stock exchanges",
   "url": "https://bankpulse.ai/c/rbi-2012-13-412/",
   "products": [],
   "summary": "RBI now permits standalone Primary Dealers to become members of SEBI-approved stock exchanges for proprietary trading in corporate bonds, subject to SEBI norms and exchange rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7852&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/411",
   "title": "RBI Bans UCB Gold Purchase Loans, Clarifies Priority Tag",
   "url": "https://bankpulse.ai/c/rbi-2012-13-411/",
   "products": [],
   "summary": "RBI reiterates that UCBs cannot finance gold purchase in any form—bullion, jewellery, coins, ETFs, or mutual funds. Only working capital finance is exempt. Loans against gold ornaments remain allowed but cannot be classified as priority sector advances unless the loan purpose qualifies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7851&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/410",
   "title": "KYC Norms Eased for Account Transfers at RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-410/",
   "products": [],
   "summary": "RBI has relaxed KYC rules for account transfers: banks can now transfer accounts without fresh address proof, accepting a self-declaration and allowing six months to submit proof. Rent agreements are also now valid address documents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7846&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/409",
   "title": "Revised Disclosure Norms for Restructured Advances",
   "url": "https://bankpulse.ai/c/rbi-2012-13-409/",
   "products": [],
   "summary": "RBI now allows banks to stop disclosing restructured advances that have performed well and no longer attract higher provisions or risk weights. This change applies from FY 2012-13 and aims to reflect true asset quality.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7845&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/408",
   "title": "RBI's 2013 Financial Literacy Guide for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-408/",
   "products": [],
   "summary": "RBI issued a comprehensive Financial Literacy Guide with operational guidelines, a Financial Diary, and 16 posters to standardize financial literacy camps. Banks must use this material to link excluded populations to banking, with SLBC/DCC reviews and a structured monitoring mechanism.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7844&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/407",
   "title": "Bank Rate Cut to 8.75%: Impact on RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-407/",
   "products": [],
   "summary": "RBI cut the Bank Rate by 25 bps to 8.75% effective January 29, 2013. This directly lowers penal interest rates on reserve shortfalls for RRBs and StCBs, reducing penalty costs for liquidity mismatches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7843&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/406",
   "title": "CRR cut for StCBs/RRBs: 25 bps reduction to 4.00%",
   "url": "https://bankpulse.ai/c/rbi-2012-13-406/",
   "products": [],
   "summary": "RBI reduced CRR for Scheduled State Co-operative Banks and Regional Rural Banks by 25 bps from 4.25% to 4.00% of NDTL, effective fortnight from February 9, 2013. This frees up liquidity for these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7842&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/405",
   "title": "RBI Boosts Standalone PDs' Role in Corporate Bond Market",
   "url": "https://bankpulse.ai/c/rbi-2012-13-405/",
   "products": [],
   "summary": "RBI now allows standalone Primary Dealers a 50% of NOF sub-limit for corporate bond investments within the 225% call money borrowing cap, permits Tier II bond investments up to 10% of capital funds, and allows ICD borrowing up to 150% of NOF.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7841&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 22:04 IST",
   "published_at_iso": "2026-06-19T22:04:00+05:30"
  },
  {
   "ref": "RBI/2012-13/430",
   "title": "RBI Orders Full Recovery & Accountability for Agri Debt Waiver Lapses",
   "url": "https://bankpulse.ai/c/rbi-2012-13-430/",
   "products": [],
   "summary": "RBI mandates banks to fix accountability for officials involved in lapses under the 2008 Agricultural Debt Waiver Scheme, recover from ineligible beneficiaries, and submit monthly compliance reports by the 7th.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7881&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/429",
   "title": "ECB Automatic Route Opened for Firms Under Investigation",
   "url": "https://bankpulse.ai/c/rbi-2012-13-429/",
   "products": [],
   "summary": "RBI now allows corporates under investigation by law enforcement agencies to access ECB under the automatic route, subject to AD banks endorsing approval copies to the concerned agencies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7880&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/428",
   "title": "RBI Expands Note Exchange Facility to All Branches",
   "url": "https://bankpulse.ai/c/rbi-2012-13-428/",
   "products": [],
   "summary": "RBI now mandates all bank branches, including co-operative banks and RRBs, to exchange cut/mutilated notes. If immediate adjudication isn't possible, branches must accept the notes and ensure the tenderer receives exchange value within a fortnight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7878&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/427",
   "title": "Revised Annex-3(E) for Annual Branch Expansion Plans",
   "url": "https://bankpulse.ai/c/rbi-2012-13-427/",
   "products": [],
   "summary": "RBI has revised the information format (Annex-3(E)) that banks must submit with their Annual Branch Expansion Plan (ABEP). The new format demands deeper details on financial inclusion, customer service, technology, and priority sector lending to ensure comprehensive performance assessment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7877&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/426",
   "title": "RBI Revises Forex Exposure Limits for AD Category-I Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-426/",
   "products": [],
   "summary": "RBI has revised guidelines for calculating Foreign Exchange Exposure Limits for AD Category-I banks, introducing a dual limit structure: NOOPL (max 25% of capital) for capital charge and NOP-INR for Rupee positions. Restrictions on Rupee open positions are withdrawn.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7876&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/425",
   "title": "Lead Bank Responsibility for Four New Tripura Districts",
   "url": "https://bankpulse.ai/c/rbi-2012-13-425/",
   "products": [],
   "summary": "RBI assigned United Bank of India as Lead Bank for four new Tripura districts—Khowai, Sepahijala, Gomati, and Unakoti—as per circular dated March 1, 2013. No changes to existing district lead banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7875&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/424",
   "title": "RBI Mandates Tougher Security for Card & E-Payments",
   "url": "https://bankpulse.ai/c/rbi-2012-13-424/",
   "products": [],
   "summary": "RBI has mandated new security measures for electronic payments, including domestic-only card issuance by default, EMV chip migration for international cards, PCI-DSS certification for IP-based acquiring infrastructure, and real-time fraud monitoring. Banks must comply by various deadlines, with most",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7874&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/423",
   "title": "RBI Extends Rupee Drawing Arrangements to FATF-Compliant Countries",
   "url": "https://bankpulse.ai/c/rbi-2012-13-423/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to use Speed Remittance Procedure for inward remittances via Exchange Houses in all FATF-compliant countries, expanding beyond Gulf, Hong Kong, Singapore, and Malaysia.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7873&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/422",
   "title": "RBI Clarifies Beneficial Ownership Rules for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-422/",
   "products": [],
   "summary": "RBI mandates NBFCs to identify beneficial owners of non-individual clients using a three-step process: controlling ownership (>25% for companies, >15% for partnerships/associations), control through other means, or senior managing official. Trusts require identifying settlor, trustee, protector, and",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7872&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/421",
   "title": "SLBC Convenor for Jharkhand shifts to Bank of India",
   "url": "https://bankpulse.ai/c/rbi-2012-13-421/",
   "products": [],
   "summary": "RBI has reassigned the SLBC Convenor role for Jharkhand from Allahabad Bank to Bank of India, effective April 1, 2013. Bank of India now leads coordination of state-level banking development.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7871&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/420",
   "title": "RBI Tightens KYC/AML Compliance for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-420/",
   "products": [],
   "summary": "RBI warns UCBs against lax KYC/AML compliance, citing continued use as money-laundering conduits. Banks must complete risk categorization and profile updates for all existing customers by March 31, 2013, and set up periodic review systems.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7870&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-13/419",
   "title": "Beneficial Ownership Rules for Money Changers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-419/",
   "products": [],
   "summary": "RBI mandates authorised persons to identify beneficial owners for money changing under PMLA. For companies, >25% ownership triggers ID; for partnerships/associations, >15%. Trusts require settlor, trustee, protector, and beneficiaries with ≥15% interest. Listed companies exempt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7869&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:56 IST",
   "published_at_iso": "2026-06-19T21:56:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/447",
   "title": "Repo Rate Cut by 25 bps to 7.50%",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-447/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 basis points to 7.50% effective immediately. Reverse repo and MSF rates adjusted automatically to 6.50% and 8.50% respectively. All other LAF and MSF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7897&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/445",
   "title": "PPP Project Loans: Secured Treatment for Infrastructure (2013 RBI Circular)",
   "url": "https://bankpulse.ai/c/rbi-2012-13-445/",
   "products": [],
   "summary": "RBI (2013) allows banks to treat PPP project loans as secured if concession agreements include escrow, risk mitigation, substitution rights, and compulsory buy-out. This builds on earlier provisions (2010) that allowed annuities/toll rights as tangible security for BOT road/highway projects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7896&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/444",
   "title": "CTS-2010 Cheque Migration: Final Deadline & New Rules",
   "url": "https://bankpulse.ai/c/rbi-2012-13-444/",
   "products": [],
   "summary": "RBI mandates all new cheques issued from March 18, 2013 must be CTS-2010 compliant. Non-CTS cheques remain valid until July 31, 2013. Banks must issue first CTS cheques free to savings account customers and stop accepting fresh PDCs/EMI cheques where ECS is available.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7895&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/443",
   "title": "FATF AML/CFT Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-443/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to consider FATF's February 2013 update on high-risk jurisdictions. This does not block legitimate trade but requires enhanced awareness of AML/CFT deficiencies in certain countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7894&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/442",
   "title": "CFMS Discontinued: Final Data Access Ends March 31, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-442/",
   "products": [],
   "summary": "RBI discontinued the Centralised Funds Management System (CFMS) from January 1, 2013. Member banks can access CFMS data only until March 31, 2013; after that, all helpdesk and data access will cease.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7893&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/441",
   "title": "Quarterly Customer Grievance Data for Prepaid Instrument Issuers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-441/",
   "products": [],
   "summary": "RBI mandates all prepaid payment instrument issuers to submit quarterly customer grievance data in prescribed Excel formats by the 10th of the month following each quarter, effective from March 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7892&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/440",
   "title": "March 2013 Govt Dues: Special Reporting & Accounting Arrangements",
   "url": "https://bankpulse.ai/c/rbi-2012-13-440/",
   "products": [],
   "summary": "RBI sets April 15, 2013 as the residual transaction closure date for March 2013. Agency banks must use special messenger/courier from mid-March to ensure all government dues collected are accounted in FY 2012-13. Nodal branches must prepare separate scrolls for March residual and April transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7891&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/439",
   "title": "FIIs can now use corporate bonds, govt securities as collateral",
   "url": "https://bankpulse.ai/c/rbi-2012-13-439/",
   "products": [],
   "summary": "RBI now permits FIIs to pledge corporate bonds as collateral in the cash segment, and both government securities and corporate bonds in the F&O segment, expanding eligible collateral beyond cash and AAA-rated foreign sovereign securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7890&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/437",
   "title": "RBI mandates CBS for all UCBs by Dec 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-437/",
   "products": [],
   "summary": "RBI has directed all Urban Co-operative Banks to implement Core Banking Solutions (CBS) across all branches by December 31, 2013. Failure may lead to denial of branch expansion or area of operation approvals. UCBs must inform their Regional Office of progress.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7888&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/435",
   "title": "RBI simplifies write-off of unrealized export bills",
   "url": "https://bankpulse.ai/c/rbi-2012-13-435/",
   "products": [],
   "summary": "RBI has raised self write-off limits for exporters to 5% (non-status holders) and 10% (status holders) of previous year's export realizations, and AD bank write-off limit to 10% of previous year's export realizations. Conditions include outstanding over one year, documentary evidence, and surrender ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7886&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/434",
   "title": "RBI Updates AML/CFT Guidance on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-434/",
   "products": [],
   "summary": "RBI has updated its AML/CFT advisory based on FATF's February 22, 2013 statement. Banks must consider the latest list of jurisdictions with strategic deficiencies when assessing money laundering and terrorist financing risks, but legitimate trade with these countries is not banned.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7885&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/431",
   "title": "KYC Relief for Migrating Customers (2013): UCBs Can Accept Self-Declaration",
   "url": "https://bankpulse.ai/c/rbi-2012-13-431/",
   "products": [],
   "summary": "RBI eased KYC for urban co-operative banks in 2013: existing accounts can be transferred without fresh address proof if a self-declaration is given, with proof due within six months. Rent agreements duly registered with State Government or similar authority are also accepted as address proof.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7882&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:51 IST",
   "published_at_iso": "2026-06-19T21:51:00+05:30"
  },
  {
   "ref": "RBI/2012-13/458",
   "title": "PPF and SCSS Interest Rates Revised for FY 2013-14",
   "url": "https://bankpulse.ai/c/rbi-2012-13-458/",
   "products": [],
   "summary": "RBI notifies revised interest rates for PPF (8.7% p.a.) and SCSS (9.2% p.a.) effective April 1, 2013, as per Government directive. Banks must update branches and inform subscribers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7909&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/457",
   "title": "Westpac Banking Corporation Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2012-13-457/",
   "products": [],
   "summary": "RBI added Westpac Banking Corporation to the Second Schedule of the RBI Act, 1934, effective December 10, 2012. This grants the bank scheduled bank status, subjecting it to RBI's regulatory framework and enabling it to access central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7908&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/456",
   "title": "Sumitomo Mitsui Banking Corporation Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2012-13-456/",
   "products": [],
   "summary": "RBI has officially included Sumitomo Mitsui Banking Corporation in the Second Schedule of the RBI Act, 1934, effective from January 9, 2013. This grants the bank scheduled bank status, subjecting it to RBI's regulatory framework and privileges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7907&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/455",
   "title": "Priority Sector Lending: Contingent Liabilities Cannot Count",
   "url": "https://bankpulse.ai/c/rbi-2012-13-455/",
   "products": [],
   "summary": "RBI clarifies that contingent liabilities or off-balance sheet items cannot be included in priority sector lending targets. Banks must reclassify such accounts with retrospective effect and ensure all eligible priority sector items also form part of Adjusted Net Bank Credit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7906&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/454",
   "title": "Special Clearing Operations for FY 2012-13 Closing",
   "url": "https://bankpulse.ai/c/rbi-2012-13-454/",
   "products": [],
   "summary": "RBI mandates special clearing on March 29-31, 2013, to settle government transactions before FY close. Agency banks can present instruments; all member banks must keep processing open and maintain settlement balances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7905&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/453",
   "title": "Year-End Govt Tax Collection: Extended Bank Hours",
   "url": "https://bankpulse.ai/c/rbi-2012-13-453/",
   "products": [],
   "summary": "RBI directs all agency banks to keep designated branches open with extended hours on March 29-31, 2013, to handle the year-end rush of government tax receipts. Separate clearing guidelines will follow from DPSS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7904&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/452",
   "title": "Bank Rate Cut to 8.50%: Impact on RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-452/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.50% effective March 19, 2013. This directly lowers penal interest rates on reserve shortfalls for RRBs and cooperative banks, easing their liquidity compliance costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7903&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/451",
   "title": "Bank Rate Cut to 8.50% for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-451/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.50% for Primary (Urban) Co-operative Banks effective March 19, 2013. Penal interest rates on reserve shortfalls and SSI refinance rate are also revised downward accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7902&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/450",
   "title": "Lead Bank Scheme: Revamped ACP & FIP Reporting Formats",
   "url": "https://bankpulse.ai/c/rbi-2012-13-450/",
   "products": [],
   "summary": "RBI has overhauled Annual Credit Plan (ACP) and Financial Inclusion Plan (FIP) reporting formats to capture granular sub-sector data. Banks must use new LBS-MIS statements from FY 2013-14, submit consolidated targets by April 2013, and quarterly progress within 15 days. FIPs for 2013-16 must be comp",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7901&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/449",
   "title": "Bank Rate Cut by 25 bps to 8.50%",
   "url": "https://bankpulse.ai/c/rbi-2012-13-449/",
   "products": [],
   "summary": "RBI reduced Bank Rate by 25 bps to 8.50% effective March 19, 2013, as announced in the Mid-Quarter Review. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped by 25 bps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7900&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/448",
   "title": "RBI Cuts LAF and MSF Margin Requirements for G-Secs and SDLs",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-448/",
   "products": [],
   "summary": "RBI reduced margin requirements for LAF and MSF: Central Govt securities/T-bills from 5% to 4%, SDLs from 10% to 6%, effective April 2, 2013. Banks now need less collateral for the same borrowing amount.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7899&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/446",
   "title": "Repo Rate Cut to 7.50%: Standing Liquidity Facility Rates Revised",
   "url": "https://bankpulse.ai/c/rbi-2012-13-446/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 7.50% effective March 19, 2013. Consequently, interest on standing liquidity facilities—Export Credit Refinance, Special Export Credit Refinance for banks, and collateralised liquidity support for Primary Dealers—is now charged at the new repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7898&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:43 IST",
   "published_at_iso": "2026-06-19T21:43:00+05:30"
  },
  {
   "ref": "RBI/2012-13/470",
   "title": "FATF AML/CFT Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-470/",
   "products": [],
   "summary": "RBI directs Primary (Urban) Co-operative Banks to consider FATF's updated statements on AML/CFT compliance from October 2012 and February 2013, without blocking legitimate trade with listed jurisdictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7927&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/469",
   "title": "KYC Norms Simplified for SHGs at Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-469/",
   "products": [],
   "summary": "RBI has simplified KYC for SHGs opening savings accounts at Primary Urban Co-operative Banks: only office bearers need verification, not all members. No fresh KYC is needed at credit linking if the account is already operational.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7926&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/468",
   "title": "UCBs Can Now Offer Unsecured Loans Up to 25% of Assets",
   "url": "https://bankpulse.ai/c/rbi-2012-13-468/",
   "products": [],
   "summary": "RBI allows eligible Primary Urban Co-operative Banks to grant unsecured loans up to 25% of total assets, up from 10%, provided the entire loan portfolio is priority sector, each loan is up to ₹20,000, CRAR is 9%, and gross NPAs are below 10%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7925&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/467",
   "title": "RBI Clarifies CCF for Bank Guarantees Under NCAF",
   "url": "https://bankpulse.ai/c/rbi-2012-13-467/",
   "products": [],
   "summary": "RBI has clarified that financial guarantees (e.g., credit facilities, tax dues) must use 100% CCF, while performance guarantees (e.g., bid bonds, EMD) use 50% CCF under NCAF, to correct widespread misapplication.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7924&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/466",
   "title": "CIC Insurance Investment Guidelines 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-466/",
   "products": [],
   "summary": "RBI issued separate guidelines for Core Investment Companies (CICs) entering insurance. CICs need Rs 500 crore owned funds, <1% NPAs, 3 years net profit, and can invest up to 100% in insurance JV equity. No ceiling on investment amount, but insurance agency business is banned.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7918&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/465",
   "title": "RBI Simplifies FII Debt Limits: Merges Sub-Limits into Two Broad Categories",
   "url": "https://bankpulse.ai/c/rbi-2012-13-465/",
   "products": [],
   "summary": "RBI merged existing FII debt sub-limits into two broad categories: Government Debt (USD 25 billion) and Corporate Debt (USD 51 billion), effective April 1, 2013. This simplifies compliance for AD Category-I banks and investors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7917&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/464",
   "title": "Exim Bank's USD 15 mn Line of Credit to Benin",
   "url": "https://bankpulse.ai/c/rbi-2012-13-464/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 15 million Line of Credit to Benin for a tractor assembly plant. Banks must guide exporters on LOC terms, including 75% Indian content, no agency commission, and GR/SDF form declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7915&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/463",
   "title": "Exim Bank's USD 5 mn Line of Credit to Cuba for Milk Plant",
   "url": "https://bankpulse.ai/c/rbi-2012-13-463/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 5 million line of credit to Banco Exterior De Cuba for financing Indian exports to set up a milk powder processing plant in Cuba. Key terms: 75% local sourcing, 48-72 month disbursement window, no agency commission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7914&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/462",
   "title": "Exim Bank's USD 42 mn Line of Credit to Cameroon",
   "url": "https://bankpulse.ai/c/rbi-2012-13-462/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 42 million Line of Credit to Cameroon for a Casava Plantation Project. At least 75% of contract value must be sourced from India. Last date for opening of Letters of Credit and Disbursement is 48 months from scheduled completion date(s) of contract",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7913&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/461",
   "title": "KYC Norms Simplified for SHGs: No Full Member Verification Needed",
   "url": "https://bankpulse.ai/c/rbi-2012-13-461/",
   "products": [],
   "summary": "RBI has simplified KYC for SHGs: only office bearers need verification when opening savings accounts, and no fresh KYC is required at credit linkage if the account is already operational. This reduces compliance burden for banks and SHGs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7912&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/460",
   "title": "Basel III Implementation Start Date Shifted to April 1, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-460/",
   "products": [],
   "summary": "RBI rescheduled Basel III capital regulation start to April 1, 2013, with most rules effective from that date. Banks must disclose Basel III ratios from June 30, 2013 quarter. CVA risk charges for OTC derivatives deferred to January 1, 2014. Full implementation by March 31, 2018 remains unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7911&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/459",
   "title": "KYC norms simplified for Self Help Groups",
   "url": "https://bankpulse.ai/c/rbi-2012-13-459/",
   "products": [],
   "summary": "RBI eased KYC for SHGs: only office bearers' verification needed at account opening; no fresh KYC required at credit linkage if account is active. Banks must update their KYC policies accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7910&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:34 IST",
   "published_at_iso": "2026-06-19T21:34:00+05:30"
  },
  {
   "ref": "RBI/2012-13/482",
   "title": "UAPA Compliance: Updated UN Al-Qaida Sanctions List for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-482/",
   "products": [],
   "summary": "RBI directs all NBFCs to update their records with the latest UN Al-Qaida sanctions list (as of April 2013) and screen new and existing accounts against it to comply with Section 51-A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7955&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/481",
   "title": "RBI Cracks Down on ODI Structures Offering INR-Linked Products",
   "url": "https://bankpulse.ai/c/rbi-2012-13-481/",
   "products": [],
   "summary": "RBI has clarified that overseas entities with Indian equity participation cannot offer financial products linked to the Indian rupee (like non-deliverable forex or index derivatives) without specific RBI approval, as this violates FEMA regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7949&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/480",
   "title": "RBI eases overseas investment rules for Navratna PSUs in oil sector",
   "url": "https://bankpulse.ai/c/rbi-2012-13-480/",
   "products": [],
   "summary": "RBI now allows Navratna PSUs, OVL, and OIL to invest in incorporated JVs/WOS abroad for oil exploration without limits under automatic route, extending earlier facility for unincorporated entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7948&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/479",
   "title": "UAPA Sanctions List Updates for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-479/",
   "products": [],
   "summary": "RBI mandates RRBs and co-op banks to update UN Al-Qaida sanctions lists from 11 update notes (Jan-Mar 2013) and a consolidated list. Banks must screen new and existing accounts against these lists and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7947&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/478",
   "title": "RBI Updates NBFCs on FATF AML/CFT Jurisdiction Risks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-478/",
   "products": [],
   "summary": "RBI directs all NBFCs to review FATF's updated February 2013 statement on AML/CFT compliance gaps in certain jurisdictions. This does not ban legitimate trade but requires heightened due diligence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7946&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/477",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Updates",
   "url": "https://bankpulse.ai/c/rbi-2012-13-477/",
   "products": [],
   "summary": "RBI mandates banks to update and screen against the latest UN Al-Qaida sanctions list, including eleven updates from Jan-Mar 2013 and a consolidated list. All new and existing accounts must be checked for designated individuals/entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7945&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2008-09/295",
   "title": "RBI Mandates Cheque Clearing Timelines Post Consumer Case",
   "url": "https://bankpulse.ai/c/rbi-2008-09-295/",
   "products": [],
   "summary": "RBI reiterates timelines from a consumer commission order: local cheques cleared same/next day, outstation cheques in 7/10/14 days. Delays attract interest at the rate in the bank's Cheque Collection Policy, or at FD rates if not specified. Banks must update and publicize their CCPs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7944&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/475",
   "title": "Trade Credit Cost Ceiling Extended Till June 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-475/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for trade credits for imports until June 30, 2013. No other changes to trade credit policy have been made. Banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7937&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/474",
   "title": "Exim Bank's USD 76.5 mn Line of Credit to Malawi",
   "url": "https://bankpulse.ai/c/rbi-2012-13-474/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 76.50 million Line of Credit to Malawi for irrigation, sugar processing, and fuel storage projects. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7936&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/473",
   "title": "AMCs can now sell INR to foreign tourists via international cards",
   "url": "https://bankpulse.ai/c/rbi-2012-13-473/",
   "products": [],
   "summary": "RBI now allows Authorised Money Changers to sell Indian rupees to foreign tourists against International Credit/Debit Cards, with reimbursement through normal banking channels. This expands payment options for visitors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7930&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/472",
   "title": "UAPA Sanctions List Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-472/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their UNSCR 1267/1989 sanctions list with new entries from November-December 2012, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7929&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/471",
   "title": "Rupee Value of Special Currency Basket Revised to Rs. 73.14",
   "url": "https://bankpulse.ai/c/rbi-2012-13-471/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs. 73.141761, effective March 18, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7928&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:26 IST",
   "published_at_iso": "2026-06-19T21:26:00+05:30"
  },
  {
   "ref": "RBI/2012-13/496",
   "title": "UAPA Sanctions List Update for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2012-13-496/",
   "products": [],
   "summary": "RBI mandates all PSOs to update their records with the latest UN Al-Qaida Sanctions List, screen new and existing accounts, and comply with UAPA procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7974&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/494",
   "title": "PD Authorisation Renewal: Shift to Triennial Cycle",
   "url": "https://bankpulse.ai/c/rbi-2012-13-494/",
   "products": [],
   "summary": "RBI has extended the validity of Primary Dealer authorisation from one year to three years, effective from the 2013-16 cycle. PDs must now submit an undertaking with a fresh board resolution every three years instead of annually.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7972&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/493",
   "title": "RBI cracks down on unfair cheque return charges and delays",
   "url": "https://bankpulse.ai/c/rbi-2012-13-493/",
   "products": [],
   "summary": "RBI mandates banks to levy cheque return charges only when the customer is at fault and to re-present technical return cheques within 24 hours (excluding holidays), with customer notification via SMS or email.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7971&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/492",
   "title": "Bank Rate Cut to 8.25%: Impact on RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-492/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.25% effective May 3, 2013. This directly lowers penal interest rates on reserve shortfalls for RRBs and co-operative banks, easing their cost of compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7965&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/491",
   "title": "Bank Rate Cut to 8.25%: Impact on Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-491/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.25% effective May 3, 2013. This directly lowers penal interest rates on reserve shortfalls and the SSI refinance rate for urban co-operative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7964&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/490",
   "title": "Repo Rate Cut to 7.25%: Standing Liquidity Facilities Cheaper",
   "url": "https://bankpulse.ai/c/rbi-2012-13-490/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 7.25% effective May 3, 2013. All standing liquidity facilities for banks (ECR, SECR) and Primary Dealers are now priced at the new repo rate, reducing your cost of borrowing from RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7963&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/489",
   "title": "RBI mandates UCIC for NBFC customers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-489/",
   "products": [],
   "summary": "RBI directs NBFCs (asset size Rs 25 cr and above, and all deposit-taking NBFCs) to assign a Unique Customer Identification Code (UCIC) to each customer. New customers must get UCIC at onboarding; existing individual customers must be assigned UCIC by end-June 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7962&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/488",
   "title": "Bank Rate Cut by 25 bps to 8.25% from May 3, 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-488/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 basis points to 8.25% effective May 3, 2013, as part of the Annual Monetary Policy. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7961&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/487",
   "title": "Priority Sector Lending Limits Revised Upward from April 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-487/",
   "products": [],
   "summary": "RBI raised priority sector lending limits effective April 1, 2013: agricultural produce pledge loans doubled to ₹50 lakh, input dealer loans increased to ₹5 crore, and service MSE loan limit raised to ₹5 crore. Banks must update internal systems and reporting accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7960&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/486",
   "title": "Repo Rate Cut by 25 bps to 7.25%",
   "url": "https://bankpulse.ai/c/rbi-2012-13-486/",
   "products": [],
   "summary": "RBI reduced the repo rate by 25 basis points to 7.25% effective immediately. Reverse repo and MSF rates adjusted automatically to 6.25% and 8.25% respectively. All other LAF and MSF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7959&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/485",
   "title": "RBI Updates AML/CFT Guidance for MTSS Agents on FATF Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-485/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to factor in FATF's updated February 2013 statement on AML/CFT compliance gaps in certain jurisdictions when processing cross-border inward remittances, without banning legitimate transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7958&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/484",
   "title": "RBI Updates AML/CFT Guidance on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-484/",
   "products": [],
   "summary": "RBI has updated AML/CFT guidance for money changers, referencing FATF's February 2013 statement on high-risk jurisdictions. Authorised Persons must factor this into their risk assessments but can still process legitimate transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7957&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:15 IST",
   "published_at_iso": "2026-06-19T21:15:00+05:30"
  },
  {
   "ref": "RBI/2012-13/508",
   "title": "RBI withdraws Basel II parallel run and prudential floor",
   "url": "https://bankpulse.ai/c/rbi-2012-13-508/",
   "products": [],
   "summary": "RBI has withdrawn the parallel run and prudential floor for Basel II implementation. Banks no longer need to maintain Basel II capital above 80% of Basel I requirements or submit parallel run reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7996&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/507",
   "title": "RBI widens interest subvention on rupee export credit",
   "url": "https://bankpulse.ai/c/rbi-2012-13-507/",
   "products": [],
   "summary": "RBI has expanded the 2% interest subvention scheme on rupee export credit to cover additional textile and engineering goods tariff lines from April 1, 2013 to March 31, 2014, on existing terms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7995&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/506",
   "title": "UCBs: Submit Annual Business Plan in Single Copy Only",
   "url": "https://bankpulse.ai/c/rbi-2012-13-506/",
   "products": [],
   "summary": "RBI has simplified submission of Annual Business Plans (ABP) for Financially Sound and Well Managed (FSWM) Urban Co-operative Banks. Instead of two copies, banks now need to submit only one copy of the ABP to their Regional Office. All other branch expansion norms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7994&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/505",
   "title": "Fraud Reporting Relief for Banks with RBI-Regulated Subsidiaries",
   "url": "https://bankpulse.ai/c/rbi-2012-13-505/",
   "products": [],
   "summary": "Parent banks no longer need to submit hard copy FMR-1 reports for frauds at subsidiaries that are independently regulated by RBI and already report frauds to RBI under their own guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7993&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/504",
   "title": "LRS Reporting Goes Fully Digital from July 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-504/",
   "products": [],
   "summary": "RBI has discontinued hard copy submission of monthly LRS statements. From July 1, 2013, AD Category-I banks must upload LRS data (including nil returns) only via ORFS by the 5th of the following month.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7992&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/503",
   "title": "Export proceeds realisation period cut to 9 months",
   "url": "https://bankpulse.ai/c/rbi-2012-13-503/",
   "products": [],
   "summary": "RBI has reduced the export realisation period from 12 months to 9 months, effective immediately until September 30, 2013. This reverses the earlier temporary extension granted in November 2012. SEZ units and exports to overseas warehouses remain unaffected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7991&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/502",
   "title": "FDI: Equity shares for pre-operative expenses via Government route",
   "url": "https://bankpulse.ai/c/rbi-2012-13-502/",
   "products": [],
   "summary": "RBI has relaxed FDI rules: foreign investors can now pay for equity shares issued against pre-operative/pre-incorporation expenses through their own bank account in India, not just directly. This eases compliance for startups and early-stage ventures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7985&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/501",
   "title": "SLR HTM Cap Aligned to 23% of DTL by March 2014",
   "url": "https://bankpulse.ai/c/rbi-2012-13-501/",
   "products": [],
   "summary": "RBI has phased down the SLR securities held under HTM category from 25% to 23% of DTL by March 2014, with quarterly reduction steps. Banks must shift excess SLR securities out of HTM to AFS/HFT each quarter starting June 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7984&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/500",
   "title": "RBI Reiterates Clean Note Policy: Stop Stapling, Sorting, and Writing on Notes",
   "url": "https://bankpulse.ai/c/rbi-2012-13-500/",
   "products": [],
   "summary": "RBI has flagged that some bank branches still staple note packets, write on watermark windows, and issue soiled notes. Banks must immediately stop these practices, use paper bands, sort notes into re-issuable and non-issuable, and issue only clean notes to the public.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7983&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/499",
   "title": "RBI restricts gold imports on consignment basis",
   "url": "https://bankpulse.ai/c/rbi-2012-13-499/",
   "products": [],
   "summary": "RBI has restricted gold imports on consignment basis by nominated banks to only meet genuine needs of gold jewellery exporters, effective immediately. This aims to moderate domestic gold demand.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7977&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/498",
   "title": "RBI Directs Banks to Accelerate DBT Rollout with Aadhaar Seeding",
   "url": "https://bankpulse.ai/c/rbi-2012-13-498/",
   "products": [],
   "summary": "RBI mandates banks to open accounts in camp mode, seed them with Aadhaar, and set up monitoring for DBT. SLBC convenors must submit monthly district-wise progress reports for the month ended April 30, 2013, by the 10th of the succeeding month. This expands DBT to 78 more districts from July 1, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7976&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/497",
   "title": "RBI Updates AML/CFT Standards for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2012-13-497/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to review FATF's updated February 2013 statement on AML/CFT compliance and high-risk jurisdictions, without blocking legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7975&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:10 IST",
   "published_at_iso": "2026-06-19T21:10:00+05:30"
  },
  {
   "ref": "RBI/2012-13/520",
   "title": "Gold Import Rules Tightened: Consignment Only for Jewellery Exporters",
   "url": "https://bankpulse.ai/c/rbi-2012-13-520/",
   "products": [],
   "summary": "RBI has extended gold import restrictions to all nominated agencies and star trading houses. Consignment imports are now allowed only for jewellery exporters. All LCs must be backed by 100% cash margin, and imports must be on DP basis, not DA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8020&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/519",
   "title": "Interest Subvention on Rupee Export Credit Expanded for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-519/",
   "products": [],
   "summary": "RBI extends 2% interest subvention on rupee export credit to additional sectors: textiles (6 tariff lines) and engineering goods (101 new tariff lines) for April 1, 2013 to March 31, 2014. Existing terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8019&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/518",
   "title": "UAPA Compliance: Updated UN Al-Qaida Sanctions List for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-518/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their records with the latest UNSCR 1267 Al-Qaida sanctions list. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per the UAPA Order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8012&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/517",
   "title": "NBFC-MFI Margin Cap Revised: 12% till March 2014, Then Tiered",
   "url": "https://bankpulse.ai/c/rbi-2012-13-517/",
   "products": [],
   "summary": "RBI has set a uniform margin cap of 12% for all NBFC-MFIs until March 31, 2014. From April 1, 2014, the cap will be 10% for large MFIs (loan portfolio over Rs.100 crore) and 12% for others, aligning with Malegam Committee recommendations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8011&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/516",
   "title": "Mandatory Acknowledgment for Form 15G/15H Submission",
   "url": "https://bankpulse.ai/c/rbi-2012-13-516/",
   "products": [],
   "summary": "Banks must now issue an acknowledgment upon receiving Form 15G/15H from depositors to prevent wrongful TDS deductions and ensure accountability.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8010&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/515",
   "title": "UCIC Deadline Extended to March 2014 for Existing Customers",
   "url": "https://bankpulse.ai/c/rbi-2012-13-515/",
   "products": [],
   "summary": "RBI extends UCIC allotment deadline for existing individual customers to March 31, 2014, due to implementation difficulties. New customers must still get UCIC at account opening.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8009&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/514",
   "title": "RBI to End Asset Classification Forbearance on Restructured Loans from April 1, 2015",
   "url": "https://bankpulse.ai/c/rbi-2012-13-514/",
   "products": [],
   "summary": "RBI will withdraw regulatory forbearance on asset classification for restructured advances from April 1, 2015, except for changes in DCCO of infrastructure and non-infrastructure project loans. Standard accounts will no longer retain their classification post-restructuring, and NPAs will not be prev",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8008&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/513",
   "title": "Best Practices for Well-Run Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-513/",
   "products": [],
   "summary": "RBI has compiled and shared illustrative best practices from well-managed UCBs covering resource deployment, NPA management, cost control, board reporting, employee motivation, and customer service. These are non-mandatory examples to guide better governance and operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8006&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/512",
   "title": "Final Guidelines on Capital Disclosure Requirements",
   "url": "https://bankpulse.ai/c/rbi-2012-13-512/",
   "products": [],
   "summary": "RBI issued final guidelines on capital disclosure requirements effective July 1, 2013. Banks must make first disclosures as on September 30, 2013. These are in addition to existing Pillar 3 norms under the New Capital Adequacy Framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8005&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/511",
   "title": "Front-Loading Branches in Unbanked Rural Centres",
   "url": "https://bankpulse.ai/c/rbi-2012-13-511/",
   "products": [],
   "summary": "RBI asks banks to prioritise opening branches in unbanked rural (Tier 5/6) centres over a 3-year cycle aligned with FIP 2013-16. Excess branches beyond the 25% ABEP requirement can be carried forward to subsequent years.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8004&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/510",
   "title": "NBFCs Banned from Financing Gold Purchases in Any Form",
   "url": "https://bankpulse.ai/c/rbi-2012-13-510/",
   "products": [],
   "summary": "RBI has prohibited NBFCs from granting advances for purchase of gold in any form—primary gold, bullion, jewellery, coins, ETFs, or gold mutual funds—extending a 2012 ban on loans against bullion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7998&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/509",
   "title": "RBI caps gold coin loan per customer at 50 grams",
   "url": "https://bankpulse.ai/c/rbi-2012-13-509/",
   "products": [],
   "summary": "RBI restricts advances against gold coins to 50 grams per customer and extends the ban on loans against gold bullion to gold ETFs and gold mutual funds, effective May 27, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=7997&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 21:00 IST",
   "published_at_iso": "2026-06-19T21:00:00+05:30"
  },
  {
   "ref": "RBI/2012-13/534",
   "title": "RBI Extends Restructuring Guidelines to FIs",
   "url": "https://bankpulse.ai/c/rbi-2012-13-534/",
   "products": [],
   "summary": "RBI has extended the May 2013 prudential guidelines on restructuring of advances to All-India Term-Lending and Refinancing Institutions (Exim Bank, NABARD, NHB, SIDBI), with exceptions for products they don't offer like working capital and personal loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8037&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/532",
   "title": "RBI's Central Fraud Monitoring Cell Moves to Bengaluru from July 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-532/",
   "products": [],
   "summary": "RBI's Central Fraud Monitoring Cell shifts from Mumbai to Bengaluru effective July 1, 2013. NBFCs are requested to send fraud reports and correspondence to the new Bengaluru address from June 14, 2013 onwards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8035&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/531",
   "title": "RBI Fraud Monitoring Cell Moves to Bengaluru from July 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-531/",
   "products": [],
   "summary": "From July 1, 2013, RBI's Fraud Monitoring Cell for Urban Co-operative Banks will operate from Bengaluru. All UCBs must send fraud reports and correspondence to the new Bengaluru address starting June 14, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8034&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/530",
   "title": "RBI raises foreign investment limit in govt securities by USD 5 bn",
   "url": "https://bankpulse.ai/c/rbi-2012-13-530/",
   "products": [],
   "summary": "RBI has increased the overall foreign investment limit in government dated securities from USD 25 billion to USD 30 billion, with the additional USD 5 billion reserved exclusively for long-term investors like SWFs, pension funds, and central banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8033&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/529",
   "title": "RBI Clarifies FVCI Reporting: No Double Filing for FDI Investments",
   "url": "https://bankpulse.ai/c/rbi-2012-13-529/",
   "products": [],
   "summary": "RBI has clarified that SEBI-registered FVCIs investing under the FDI scheme must report only via FC-GPR or FC-TRS forms, not under Schedule 6. This eliminates double reporting and streamlines compliance for AD banks and FVCIs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8032&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/528",
   "title": "RBI raises OPGSP export remittance cap to USD 10,000",
   "url": "https://bankpulse.ai/c/rbi-2012-13-528/",
   "products": [],
   "summary": "RBI has increased the per-transaction limit for export remittances via Online Payment Gateway Service Providers from USD 3,000 to USD 10,000, effective immediately. This allows higher-value export receipts to be processed through OPGSPs under existing arrangements with AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8030&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/526",
   "title": "NBFCs barred from LLP and AOP partnerships: RBI clarifies",
   "url": "https://bankpulse.ai/c/rbi-2012-13-526/",
   "products": [],
   "summary": "RBI clarifies that NBFCs cannot be partners in Limited Liability Partnerships (LLPs) or Associations of Persons (AOPs), extending the existing ban on partnership firms. Existing NBFCs in such structures must exit early.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8028&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/527",
   "title": "SEZ Export Proceeds: 12-Month Repatriation Deadline Reintroduced",
   "url": "https://bankpulse.ai/c/rbi-2012-13-527/",
   "products": [],
   "summary": "RBI has withdrawn the unlimited time for SEZ export proceeds realization. Units in SEZs must now repatriate full export value within 12 months from export date. Extensions require RBI case-by-case approval. This change is effective immediately for one year, subject to review.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8027&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/525",
   "title": "Repo in Corporate Bonds for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-525/",
   "products": [],
   "summary": "RBI permits strong Scheduled Urban Co-operative Banks to do repo in corporate debt securities. Eligibility: CRAR ≥10%, gross NPA <5%, three years continuous profit, sound risk management, and concurrent audit of investment portfolio.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8025&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/523",
   "title": "UCIC Deadline Extended for Urban Co-op Banks to March 2014",
   "url": "https://bankpulse.ai/c/rbi-2012-13-523/",
   "products": [],
   "summary": "RBI extends UCIC allotment deadline for existing customers of Primary (Urban) Co-operative Banks to March 31, 2014, citing implementation difficulties. New customers must still get UCIC immediately upon onboarding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8023&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/522",
   "title": "Gold Loan Cap: Co-op Banks Must Limit Coin Weight to 50g",
   "url": "https://bankpulse.ai/c/rbi-2012-13-522/",
   "products": [],
   "summary": "RBI directs state/central co-operative banks to ensure gold coin collateral per customer does not exceed 50 grams. Loans against gold ornaments and jewellery remain allowed within board-approved limits. This prevents circumventing gold bullion lending rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8022&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/521",
   "title": "UCIC Deadline Extended for RRBs and Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-521/",
   "products": [],
   "summary": "RBI extends UCIC allotment deadline for existing customers of RRBs and cooperative banks to March 31, 2014, citing implementation difficulties. New customers must still get UCIC at account opening.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8021&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:54 IST",
   "published_at_iso": "2026-06-19T20:54:00+05:30"
  },
  {
   "ref": "RBI/2012-13/546",
   "title": "RBI Discontinues Renminbi ECB Scheme for Infrastructure",
   "url": "https://bankpulse.ai/c/rbi-2012-13-546/",
   "products": [],
   "summary": "RBI has discontinued the Renminbi (RMB) ECB scheme for infrastructure companies, effective June 25, 2013, due to zero utilization since its 2011 launch. AD Category-I banks must inform customers immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8060&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/545",
   "title": "ECB for Civil Aviation Working Capital Extended to Dec 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-545/",
   "products": [],
   "summary": "RBI has extended the scheme allowing civil aviation firms to raise ECB for working capital until December 31, 2013. The earlier deadline of 12 months from April 2012 is now superseded. All other ECB norms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8059&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/544",
   "title": "FCCB Buyback Scheme Extended Till Dec 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-13-544/",
   "products": [],
   "summary": "RBI extends the buyback/prepayment scheme for FCCBs under the approval route until December 31, 2013, after which it will be discontinued. This impacts AD Category-I banks and their clients holding FCCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8058&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/543",
   "title": "ECB Window for 3G Spectrum Loans Extended to March 2014",
   "url": "https://bankpulse.ai/c/rbi-2012-13-543/",
   "products": [],
   "summary": "RBI extends the ECB window for refinancing rupee loans used for 3G spectrum payments until March 31, 2014. Telecom operators can now raise long-term ECBs under approval route within 12 months of final installment payment to the government.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8057&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/542",
   "title": "RRBs Must Acknowledge Form 15-G/15-H Submissions",
   "url": "https://bankpulse.ai/c/rbi-2012-13-542/",
   "products": [],
   "summary": "RBI mandates RRBs to issue an acknowledgment upon receiving Form 15-G/15-H from depositors to prevent wrongful TDS deductions and improve customer service.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8056&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/541",
   "title": "RRBs: New 50 gm cap on gold coin loans, ETFs banned",
   "url": "https://bankpulse.ai/c/rbi-2012-13-541/",
   "products": [],
   "summary": "RBI caps gold coin advances at 50 gm per customer for RRBs and extends the gold bullion loan ban to units of gold ETFs and gold mutual funds. Loans against ornaments/jewellery remain allowed under board-approved policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8055&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/540",
   "title": "RBI Grants One-Time Extension for Card Security Deadlines",
   "url": "https://bankpulse.ai/c/rbi-2012-13-540/",
   "products": [],
   "summary": "RBI has extended deadlines for card security compliance: acquirers must complete tasks by Sept 30, 2013, and issuers by Nov 30, 2013. Fallback without PIN for domestic cards is allowed until Nov 30, 2013; international cards continue current system. No further extensions will be granted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8054&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/539",
   "title": "ECB Norms Eased for Low-Cost Affordable Housing Projects",
   "url": "https://bankpulse.ai/c/rbi-2012-13-539/",
   "products": [],
   "summary": "RBI eased ECB norms for affordable housing: developer experience cut to 3 years, HFC minimum paid-up capital condition withdrawn, and USD 1 billion annual limit extended for FY14-15. All ECB must be fully hedged into rupees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8053&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/538",
   "title": "RBI Carves Out CRE-Residential Housing Sub-Sector with Lower Risk Weights",
   "url": "https://bankpulse.ai/c/rbi-2012-13-538/",
   "products": [],
   "summary": "RBI created a new CRE-Residential Housing (CRE-RH) sub-sector for loans to residential housing projects, with lower risk weight (75%) and standard asset provisioning (0.75%) compared to CRE (100% and 1%). Individual housing loan LTV and risk weight norms were also rationalised.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8047&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/537",
   "title": "Rupee Value of Special Currency Basket Revised to Rs 75.705663",
   "url": "https://bankpulse.ai/c/rbi-2012-13-537/",
   "products": [],
   "summary": "RBI revised the Rupee value of the special currency basket under the Deferred Payment Protocols with the erstwhile USSR to Rs 75.705663, effective June 5, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8046&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/536",
   "title": "Risk Weights on Priority Sector Shortfall Deposits with NABARD/SIDBI/NHB",
   "url": "https://bankpulse.ai/c/rbi-2012-13-536/",
   "products": [],
   "summary": "RBI clarifies that deposits placed with NABARD, SIDBI, or NHB to cover priority sector lending shortfalls must be risk-weighted at 100% if the conditions for using the issuer's specific debt rating are not met.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8045&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "RBI/2012-13/535",
   "title": "RBI Extends Option Premium Deferment to Cost Reduction Forex Structures",
   "url": "https://bankpulse.ai/c/rbi-2012-13-535/",
   "products": [],
   "summary": "RBI now allows banks to defer premium collection on cost reduction forex options where user liability never exceeds net premium. Conditions include due diligence, uniform quarterly payments, and maturity limits. This extends a facility previously available only for plain vanilla options.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8043&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:44 IST",
   "published_at_iso": "2026-06-19T20:44:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62961",
   "title": "FX Turnover Data: May 25-27 and 29, 2026",
   "url": "https://bankpulse.ai/c/rbi-doc-62961/",
   "products": [],
   "summary": "RBI released foreign exchange turnover data for the week covering May 25, 26, 27, and 29, 2026. This is a routine statistical release with no policy changes. Banks can use it to gauge market activity and liquidity trends.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62961",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/560",
   "title": "RBI Caps NBFC Private Placement to 49 Investors",
   "url": "https://bankpulse.ai/c/rbi-2012-13-560/",
   "products": [],
   "summary": "RBI has capped NBFC private placement subscribers at 49, set a minimum investment of Rs 25 lakh, and mandated full security cover for debentures. This curbs retail exposure via private placements and aligns NBFCs with company law norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8074&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/558",
   "title": "PSL: MFI on-lending income generation threshold eased to 70%",
   "url": "https://bankpulse.ai/c/rbi-2012-13-558/",
   "products": [],
   "summary": "RBI has reduced the minimum share of income-generating loans in MFI portfolios from 75% to 70% for banks to classify their credit to MFIs as priority sector advances. This eases the eligibility condition for on-lending by MFIs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8073&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/557",
   "title": "Gold Import Rules Tightened: Cash Margins & DP Basis Mandatory",
   "url": "https://bankpulse.ai/c/rbi-2012-13-557/",
   "products": [],
   "summary": "RBI mandates 100% cash margin for all gold import LCs and requires imports on Documents against Payment (DP) basis only. Suppliers/buyers credit and unfixed price imports must follow these rules. Gold on loan basis for jewellery exporters remains exempt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8072&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-2013/556",
   "title": "RBI Discontinues SFR VIII Return from July 2013",
   "url": "https://bankpulse.ai/c/rbi-2012-2013-556/",
   "products": [],
   "summary": "RBI has discontinued the SFR VIII return effective the fortnight beginning July 12, 2013. Banks must continue submitting SFR II, SFR III, and the statement on daily maintenance of SLR as before.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8071&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/555",
   "title": "Valuation Guidelines for Discom Bonds",
   "url": "https://bankpulse.ai/c/rbi-2012-13-555/",
   "products": [],
   "summary": "RBI prescribes valuation norms for bonds issued by state power discoms under the 2012 financial restructuring scheme: mark-to-market if traded, or YTM-based with state government guarantee mark-ups.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8070&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/552",
   "title": "ECB Policy Expanded: Import of Services, Technical Know-how, License Fees Now Allowed as Part of Import of Capital Goods for Manufacturing/Infrastructure",
   "url": "https://bankpulse.ai/c/rbi-2012-13-552/",
   "products": [],
   "summary": "RBI now permits ECB proceeds for importing services, technical know-how, and license fees, provided these are capitalized, part of project cost, and treated as part of import of capital goods for manufacturing/infrastructure sectors. AD banks must verify bonafides and ensure signed agreements and ce",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8066&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/551",
   "title": "New clearing house for CD and CP OTC trades",
   "url": "https://bankpulse.ai/c/rbi-2012-13-551/",
   "products": [],
   "summary": "RBI has added MCX-SX Clearing Corporation Limited as an eligible entity for clearing and settling OTC trades in Certificates of Deposit and Commercial Papers, alongside NSCCL and ICCL.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8065&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/549",
   "title": "PDs Can Now Trade Securities on MCX-SX",
   "url": "https://bankpulse.ai/c/rbi-2012-13-549/",
   "products": [],
   "summary": "RBI now permits Primary Dealers to execute securities transactions with each other or non-bank clients via MCX Stock Exchange, in addition to NSE, OTC Exchange, and BSE. This expands trading venues for PDs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8064&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/550",
   "title": "MCX-SXCCL Added for Corporate Bond OTC Settlement",
   "url": "https://bankpulse.ai/c/rbi-2012-13-550/",
   "products": [],
   "summary": "RBI has added MCX-SX Clearing Corporation Limited as an eligible clearing house for OTC corporate bond trades on a DvP-I basis, alongside NSCCL and ICCL. This expands settlement options for market participants.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8063&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/548",
   "title": "Project Export Approval Filing Deadline Extended to 30 Days",
   "url": "https://bankpulse.ai/c/rbi-2012-13-548/",
   "products": [],
   "summary": "RBI has extended the deadline for exporters to submit post-award approval forms (DPX1, PEX-1, TCS-1) for project exports and service contracts from 15 to 30 days after contract signing. This gives banks and exporters more time to comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8062&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2012-13/547",
   "title": "BCP, VAPT and Information Security for Banks",
   "url": "https://bankpulse.ai/c/rbi-2012-13-547/",
   "products": [],
   "summary": "RBI mandates banks to implement robust Business Continuity Plans (BCP) and conduct periodic Vulnerability Assessment and Penetration Testing (VAPT) to secure information systems, with board-level approval and quarterly reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8061&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:38 IST",
   "published_at_iso": "2026-06-19T20:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/1",
   "title": "Master Circular on Money Transfer Service Scheme (MTSS)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-1/",
   "products": [],
   "summary": "RBI's Master Circular on MTSS allows only inward personal remittances to India via authorised Indian Agents, with no outward remittances permitted. It consolidates guidelines for agents, overseas principals, KYC/AML norms, and reporting, effective until July 1, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8093&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/2",
   "title": "Master Circular on NRO Accounts: Key Points for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-2/",
   "products": [],
   "summary": "RBI consolidated NRO account rules into Master Circular No.2/2013-14, effective July 1, 2013, with a one-year sunset clause. It covers eligibility, account types, permissible credits/debits, and remittance of assets for non-residents. Banks must follow FEMA provisions and report quarterly on NRO acc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8092&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/80",
   "title": "RBI Master Circular on Exposure Norms for FIs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-80/",
   "products": [],
   "summary": "RBI consolidated exposure norms for all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI) as of July 1, 2013. Key limits: single borrower at 15% of capital funds, group borrowers at 40%, with refinance portfolios exempt. Banks must ensure compliance and board oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8091&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/78",
   "title": "RBI Master Circular on Disclosure Norms for FIs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-78/",
   "products": [],
   "summary": "RBI consolidated disclosure norms for Exim Bank, NABARD, NHB, and SIDBI into a single master circular effective July 1, 2013, covering capital, asset quality, liquidity, and risk disclosures in Notes to Accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8089&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/77",
   "title": "RBI Master Circular: Resource Raising Norms for FIs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-77/",
   "products": [],
   "summary": "RBI consolidated resource raising norms for Exim Bank, NABARD, NHB, and SIDBI into a single master circular effective July 1, 2013. It covers umbrella limits for deposits, CPs, CDs, and bond issuance rules to ensure level playing field and regulatory convergence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8088&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/60",
   "title": "Master Circular on Card Operations: Credit, Debit & Prepaid",
   "url": "https://bankpulse.ai/c/rbi-2013-14-60/",
   "products": [],
   "summary": "RBI consolidated all card operation guidelines for banks and NBFCs into one master circular, covering credit, debit, and rupee-denominated co-branded prepaid cards. It mandates adherence to customer protection, fraud control, and KYC norms. Banks must align policies with this framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8087&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/562",
   "title": "RBI Incentive Scheme for Counterfeit Note Detection",
   "url": "https://bankpulse.ai/c/rbi-2012-13-562/",
   "products": [],
   "summary": "From July 1, 2013, banks get 25% compensation for losses incurred on detected counterfeit notes of ₹100 and above, reported to RBI and police. Non-detection or non-reporting invites penalties as per existing directives. Reporting starts August 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8077&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/561",
   "title": "Infrastructure Lending Definition Expanded: New Sub-Sectors Added",
   "url": "https://bankpulse.ai/c/rbi-2012-13-561/",
   "products": [],
   "summary": "RBI has updated the infrastructure lending definition to include Capital Dredging, Slurry Pipelines, and Telecommunication & Telecom Services, aligning with Government notifications. Banks can now classify loans to these sub-sectors as infrastructure lending, benefiting from priority sector-like tre",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8076&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2012-13/559",
   "title": "Priority Sector Lending: NRLM Replaces SGSY",
   "url": "https://bankpulse.ai/c/rbi-2012-13-559/",
   "products": [],
   "summary": "RBI has updated priority sector lending guidelines to reflect the replacement of SGSY with NRLM (Aajeevika) from April 1, 2013. Banks must now align their lending and reporting to NRLM's framework, which focuses on building women-led SHGs and federations for poverty reduction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8075&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62958",
   "title": "FX Turnover Data: May 4-8, 2026",
   "url": "https://bankpulse.ai/c/rbi-doc-62958/",
   "products": [],
   "summary": "RBI released daily merchant and inter-bank FX turnover for May 4-8, 2026. Total inter-bank FCY/INR spot purchases peaked at USD 23,669 million on May 7. Merchant spot purchases ranged from USD 4,694-5,764 million daily. Data is provisional.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62958",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62959",
   "title": "RBI Releases FX Turnover Data for May 11-15, 2026",
   "url": "https://bankpulse.ai/c/rbi-doc-62959/",
   "products": [],
   "summary": "RBI published daily merchant and inter-bank FX turnover data for May 11-15, 2026, in USD millions. The data covers spot, forward, and swap transactions for FCY/INR and FCY/FCY pairs. This is a routine weekly release with provisional figures.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62959",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62960",
   "title": "RBI Releases Forex Turnover Data for May 18-22, 2026 (Press Release June 18, 2026)",
   "url": "https://bankpulse.ai/c/rbi-doc-62960/",
   "products": [],
   "summary": "RBI published foreign exchange turnover data for the week May 18-22, 2026, in a press release dated June 18, 2026. This is a routine statistical release with no policy changes. Banks should note the data for market analysis and reporting.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62960",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:30 IST",
   "published_at_iso": "2026-06-19T20:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/17",
   "title": "Master Circular: Housing Finance Guidelines for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-17/",
   "products": [],
   "summary": "RBI consolidated housing finance guidelines for Urban Co-operative Banks (UCBs) as of July 1, 2013. UCBs can lend to individuals, cooperative/group housing societies, housing boards, and owners for construction, purchase, repairs, extension, or up-gradation. Loan limits are ₹30 lakh for Tier I and ₹",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8106&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/16",
   "title": "RBI Master Circular on UCB Exposure Norms (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-16/",
   "products": [],
   "summary": "RBI consolidated exposure norms for Urban Co-operative Banks (UCBs) as of July 1, 2013. Key limits: individual borrower exposure capped at 15% of capital funds, group borrower at 40%. Banks must set board-approved ceilings annually, with half-yearly adjustments allowed for share capital changes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8105&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/15",
   "title": "Master Circular on Foreign Investment in India (2013-14)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-15/",
   "products": [],
   "summary": "RBI consolidated all foreign investment rules into one Master Circular for AD Category-I banks, covering FDI, portfolio, venture capital, and other investments. It includes a sunset clause expiring July 1, 2014, after which an updated circular will replace it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8104&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/13",
   "title": "Master Circular on Import of Goods and Services: Key Points for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-13/",
   "products": [],
   "summary": "RBI consolidated all import-related forex rules into one Master Circular (No.13/2013-14) for AD Category-I banks. It covers general and operational guidelines, including advance remittance, import evidence, and gold imports. The circular had a one-year sunset clause, expiring July 1, 2014. Note: For",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8103&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/12",
   "title": "Master Circular on ECB and Trade Credits (2013-14)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-12/",
   "products": [],
   "summary": "RBI consolidated all ECB and trade credit rules into one master circular effective July 1, 2013, covering automatic and approval routes, eligible borrowers, lenders, end-uses, and reporting. It applies to all Authorised Dealer Category-I banks and remains valid until replaced on July 1, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8101&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/11",
   "title": "Master Circular on Direct Investment in JV/WOS Abroad",
   "url": "https://bankpulse.ai/c/rbi-2013-14-11/",
   "products": [],
   "summary": "RBI consolidated rules for residents investing in overseas JVs/WOS under FEMA. Covers automatic route, funding methods, post-investment changes, and compliance. Valid until July 1, 2014, then replaced.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8100&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/10",
   "title": "Master Circular on Money Changing Activities (2013-14)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-10/",
   "products": [],
   "summary": "RBI consolidated all instructions on money changing into one master circular, covering licensing, operations, KYC/AML, and revocation for Authorised Money Changers (AMCs) and Full Fledged Money Changers (FFMCs). It applies to all authorised persons in foreign exchange and includes a sunset clause, s",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8099&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/9",
   "title": "Master Circular on Compounding FEMA Contraventions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-9/",
   "products": [],
   "summary": "RBI consolidated rules for voluntary compounding of FEMA contraventions under Section 13(1). Penalties up to thrice the sum involved or ₹2 lakh, plus up to ₹5,000 per day after the first day for continuing violations. Compounding stops further proceedings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8098&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/7",
   "title": "Master Circular on Foreign Entity Offices in India",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-7/",
   "products": [],
   "summary": "RBI consolidated rules for foreign entities setting up Liaison, Branch, or Project Offices in India. Key criteria: profit track record (3 years for LO, 5 for BO) and minimum net worth ($50K for LO, $100K for BO). Applications go through AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8097&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/8",
   "title": "Master Circular on Remittance Facilities for NRIs/PIOs/Foreign Nationals",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-8/",
   "products": [],
   "summary": "RBI consolidated remittance rules for NRIs, PIOs, and foreign nationals under Master Circular No.8/2013-14. It covers repatriation of current income, sale proceeds of assets, and salary, with a sunset clause of one year. Banks must refer to underlying circulars for detailed compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8096&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/4",
   "title": "Master Circular: NRI/PIO Property Rules (2013-14)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-4/",
   "products": [],
   "summary": "RBI's 2013 master circular consolidates FEMA rules for NRIs/PIOs buying or selling immovable property in India, excluding agricultural land, plantations, and farmhouses. Payments must come via inward remittance or NRE/FCNR(B)/NRO accounts. Authorised dealers must guide compliance until the circular'",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8095&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/3",
   "title": "Master Circular on Vostro Accounts for Non-Resident Exchange Houses",
   "url": "https://bankpulse.ai/c/rbi-2013-14-3/",
   "products": [],
   "summary": "RBI's Master Circular consolidates rules for AD Category-I banks opening and maintaining rupee/foreign currency vostro accounts for non-resident exchange houses, covering drawing arrangements, collateral, and monitoring. It applies to Gulf, Hong Kong, Singapore, Malaysia, and FATF-compliant countrie",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8094&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:22 IST",
   "published_at_iso": "2026-06-19T20:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/5",
   "title": "RBI Master Circular on Risk Management & Inter-Bank Dealings",
   "url": "https://bankpulse.ai/c/rbi-2013-14-5/",
   "products": [],
   "summary": "RBI consolidated rules on forex derivatives, hedging, and inter-bank dealings for AD Category-I banks. Key updates include stricter documentation for underlying exposures, a 15-day document submission window, and a sunset clause making this circular valid only until July 1, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8121&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/73",
   "title": "Master Circular on Interest Rates on Advances (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-73/",
   "products": [],
   "summary": "RBI consolidated all guidelines on interest rates for advances into a single master circular, effective July 1, 2013. It covers base rate, floating rates, penal interest, and more. Banks must align their lending rate policies with this circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8119&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/67",
   "title": "Master Circular on Housing Finance – July 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-67/",
   "products": [],
   "summary": "RBI consolidated all housing finance instructions up to June 30, 2013 into a single master circular. It covers direct/indirect housing loans, priority sector treatment, LTV ratios, risk weights, and real estate exposure norms for scheduled commercial banks (excluding RRBs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8118&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/64",
   "title": "Master Circular on CRR and SLR for Scheduled Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-64/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR instructions into a single master circular effective July 1, 2013. The CRR rate remains at 4.00% of net demand and time liabilities (NDTL) from February 2013. No incremental CRR is required currently. This circular applies to all scheduled commercial banks except RRB",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8117&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/63",
   "title": "Master Circular on Wilful Defaulters: Key Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-63/",
   "products": [],
   "summary": "RBI consolidated all wilful defaulter guidelines into one master circular effective July 1, 2013. Banks must report defaults of ₹25 lakh and above, classify deliberate non-payment or fund siphoning as wilful, and consider criminal action for defaults over ₹1 crore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8116&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/57",
   "title": "Master Circular on Bank Finance to NBFCs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-57/",
   "products": [],
   "summary": "RBI consolidated and updated its 2012 master circular on bank finance to NBFCs, incorporating instructions up to June 30, 2013. Key changes include withdrawal of the NOF-linked ceiling for registered NBFCs engaged in asset financing, loan, factoring, and investment activities, and allowing finance a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8115&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/32",
   "title": "Master Circular on Fraud Classification and Reporting for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-32/",
   "products": [],
   "summary": "RBI consolidated fraud reporting norms for urban co-op banks as of July 1, 2013. Banks must report frauds promptly, with specific timelines based on amount thresholds, and face penalties for delays. A senior official must oversee all fraud returns.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8114&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/29",
   "title": "Master Circular on Urban Co-op Bank Branch Expansion & ATMs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-29/",
   "products": [],
   "summary": "RBI consolidated all guidelines on area of operation, branch authorisation, extension counters, ATMs, and office shifting/closure for Primary Urban Co-operative Banks as of July 1, 2013. This replaces the 2012 master circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8113&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/23",
   "title": "Master Circular on Board of Directors for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-23/",
   "products": [],
   "summary": "RBI consolidated all instructions on UCB board composition, roles, and reviews as of June 30, 2013. Key updates include mandatory at least two directors with banking or professional qualifications, and a focus on professionalism and integrity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8110&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/21",
   "title": "Master Circular: Prudential Norms on Capital Adequacy for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-21/",
   "products": [],
   "summary": "RBI consolidated capital adequacy norms for Primary Urban Co-operative Banks as of July 1, 2013, covering statutory requirements, share linking to borrowings, and Basel I-based CRAR computation. Key updates include exemptions for UCBs maintaining 12% CRAR from mandatory share linking.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8109&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/20",
   "title": "Master Circular on Advances Management for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-20/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Primary Urban Co-operative Banks as of June 30, 2013. Key changes include working capital assessment norms for small borrowers and updated prudential restructuring rules. Banks must adopt board-approved credit policies and ensure compliance with",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8108&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/19",
   "title": "Master Circular: Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-19/",
   "products": [],
   "summary": "RBI consolidated all guidelines on guarantees, co-acceptances, and letters of credit for Primary (Urban) Co-operative Banks as of June 30, 2013. Key limits: total guarantees capped at 10% of total owned resources (paid-up capital + reserves + deposits); unsecured guarantees at 25% of owned funds (pa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8107&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:18 IST",
   "published_at_iso": "2026-06-19T20:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/65",
   "title": "Master Circular on Export Credit & Customer Service for Exporters (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-65/",
   "products": [],
   "summary": "RBI consolidated all export credit instructions into a single Master Circular as of July 1, 2013. It covers rupee and foreign currency pre/post-shipment credit, interest rates, customer service, and reporting. All scheduled commercial banks (excluding RRBs) must follow this updated framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8132&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/69",
   "title": "Master Circular on Customer Service in Banks – July 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-69/",
   "products": [],
   "summary": "RBI consolidated all customer service instructions up to June 30, 2013 into a single Master Circular. Banks must ensure copies are available at all branches for customer reference. Key areas include deposit policies, grievance redressal, ATM complaints, and financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8131&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/68",
   "title": "Master Circular on Exposure Norms – July 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-68/",
   "products": [],
   "summary": "RBI consolidated all exposure norms for scheduled commercial banks (excluding RRBs) into a single master circular, updating limits for individual/group borrowers, industry sectors, and capital market exposure. Banks must align their lending and investment policies with these updated guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8130&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/66",
   "title": "Master Circular on Guarantees and Co-acceptances",
   "url": "https://bankpulse.ai/c/rbi-2013-14-66/",
   "products": [],
   "summary": "RBI consolidated all guidelines on guarantees and co-acceptances into a single master circular, effective July 1, 2013. Banks must follow updated norms on issuance, fraud prevention, and payment of invoked guarantees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8129&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/62",
   "title": "Master Circular: Prudential Norms on Income Recognition, Asset Classification & Provisioning",
   "url": "https://bankpulse.ai/c/rbi-2013-14-62/",
   "products": [],
   "summary": "RBI consolidated all prudential norms on income recognition, asset classification, and provisioning for advances as of June 30, 2013. This circular updates the previous master circular and applies to all commercial banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8128&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/31",
   "title": "KYC/AML/CFT Master Circular for Urban Co-op Banks (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-31/",
   "products": [],
   "summary": "RBI consolidated KYC/AML/CFT norms for Primary Urban Co-operative Banks under PMLA, 2002. Banks must implement Board-approved KYC policies, monitor suspicious transactions, and report to FIU-India. Non-compliance may attract penalties under Banking Regulation Act, 1949.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8127&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/30",
   "title": "Master Circular on CRR & SLR for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-30/",
   "products": [],
   "summary": "RBI consolidated all CRR and SLR guidelines for Primary Urban Co-operative Banks (UCBs) as of June 30, 2013, with the circular dated July 1, 2013 and updated as on August 28, 2013. Scheduled UCBs follow Section 42 of RBI Act for CRR; non-scheduled UCBs follow Section 18 of BR Act. SLR for all UCBs i",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8126&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/28",
   "title": "Master Circular on Deposit Accounts for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-28/",
   "products": [],
   "summary": "RBI consolidated all instructions on deposit account maintenance for Primary Urban Co-operative Banks (UCBs) as of June 30, 2013. Key areas include account opening safeguards, nomination, operations, deceased claims, KYC/AML, and unclaimed deposits. Banks must update internal policies accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8125&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/27",
   "title": "Master Circular on Investments by Urban Co-operative Banks (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-27/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary (Urban) Co-operative Banks into a single Master Circular effective July 1, 2013, covering SLR, non-SLR, shareholding limits, valuation, and broker engagement. Key restrictions include a 2% of owned funds cap on shares in other co-operative socie",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8124&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/18",
   "title": "RBI Master Circular on NPA Norms for UCBs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-18/",
   "products": [],
   "summary": "RBI consolidated all income recognition, asset classification, and provisioning guidelines for Primary (Urban) Co-operative Banks as of June 30, 2013. The circular updates previous instructions and sets uniform prudential norms for NPAs, provisioning, and restructuring.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8123&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/6",
   "title": "Master Circular on Miscellaneous Remittances from India – Facilities for Residents",
   "url": "https://bankpulse.ai/c/rbi-2013-14-6/",
   "products": [],
   "summary": "This RBI Master Circular consolidates all instructions on miscellaneous remittances for residents, covering current account transactions, LRS up to USD 125,000, and use of international cards. It applies to all Authorised Persons and stands withdrawn on July 1, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8122&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/74",
   "title": "FCNR(B) Deposit Master Circular 2013: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2013-14-74/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on FCNR(B) deposits, updating all instructions issued up to June 30, 2013. It covers interest rates, premature withdrawal, advances against deposits, and conversion rules for returning NRIs. Banks must align their FCNR(B) operations with this circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8120&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 20:05 IST",
   "published_at_iso": "2026-06-19T20:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/85",
   "title": "Master Circular on Self Employment Scheme for Manual Scavengers (SRMS)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-85/",
   "products": [],
   "summary": "RBI consolidated all SRMS guidelines into a single Master Circular effective July 1, 2013, covering capital subsidy, concessional loans, and capacity building for rehabilitating manual scavengers. Public sector banks must continue financing eligible beneficiaries under this scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8145&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/58",
   "title": "Master Circular on Financial Statement Disclosures – Notes to Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-58/",
   "products": [],
   "summary": "RBI updated its master circular on disclosures in 'Notes to Accounts' for commercial banks (excluding RRBs), consolidating instructions issued up to June 30, 2013. Banks must follow these enhanced disclosure norms covering capital, investments, asset quality, derivatives, and more, along with Basel ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8144&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/24",
   "title": "Master Circular on Inspection & Audit for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-24/",
   "products": [],
   "summary": "RBI consolidated all inspection and audit guidelines for Primary (Urban) Co-operative Banks as of June 30, 2013, emphasizing stronger internal audit, surprise checks every 12 months, and senior-led audit committees to curb fraud.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8143&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/70",
   "title": "Basel III Capital Regulations Master Circular 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-70/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Basel III Capital Regulations, effective April 1, 2013, with phased implementation. It updates previous guidelines and incorporates instructions up to June 30, 2013. Banks must refer to Basel II circular for regulatory adjustments until March 31, 2017.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8142&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/95",
   "title": "RBI Master Circular: Natural Calamity Relief for Banks (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-95/",
   "products": [],
   "summary": "RBI consolidated its 2013 guidelines for banks to provide swift relief in natural calamity areas. Banks must have standing instructions, convene DCC/SLBC meetings, and coordinate with state authorities for credit assistance to affected farmers, small businesses, and artisans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8141&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/86",
   "title": "RBI Master Circular: Credit Facilities for SC/ST Communities",
   "url": "https://bankpulse.ai/c/rbi-2013-14-86/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on credit facilities for Scheduled Castes and Scheduled Tribes, updating previous guidelines up to June 30, 2013. Banks must prioritize lending to these communities, ensure sympathetic loan processing, and create awareness through field staff.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8140&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/82",
   "title": "Master Circular on Nomination for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2013-14-82/",
   "products": [],
   "summary": "RBI consolidated all instructions on nomination for Relief/Savings Bonds into one master circular. Sole or joint holders can nominate one or more persons, including NRIs for 8% Savings (Taxable) Bonds, 2003. Nomination must be made before maturity and can be varied or cancelled.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8139&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/81",
   "title": "Master Circular on Brokerage for Relief/Savings Bonds",
   "url": "https://bankpulse.ai/c/rbi-2013-14-81/",
   "products": [],
   "summary": "RBI consolidated instructions on appointing/delisting brokers and paying brokerage for Relief/Savings Bonds. Key points: simple enrollment, no TDS on brokerage, 30-day settlement, and agency banks must not use RBI's name for sub-agents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8138&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/75",
   "title": "Master Circular on Interest Rates for Domestic, NRO & NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-75/",
   "products": [],
   "summary": "RBI consolidated all directives on interest rates for rupee deposits in Domestic, NRO, and NRE accounts into a single master circular, effective July 1, 2013, applicable to all scheduled commercial banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8137&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/59",
   "title": "Branch Authorisation Master Circular 2013: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2013-14-59/",
   "products": [],
   "summary": "RBI consolidated all branch authorisation rules into a single master circular effective July 1, 2013. It covers opening, shifting, merging, and closing branches, including ATMs and specialised branches. Foreign banks must follow paragraph 24. This replaces the July 2012 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8136&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/76",
   "title": "Master Circular on Loan & Advance Restrictions 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-76/",
   "products": [],
   "summary": "RBI consolidated all statutory and regulatory restrictions on loans and advances for scheduled commercial banks (excluding RRBs) as of June 30, 2013. This master circular updates the previous 2012 version with instructions issued up to June 2013, covering limits on director loans, share-backed advan",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8135&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/71",
   "title": "Basel I Capital Adequacy Norms for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-71/",
   "products": [],
   "summary": "RBI's July 2013 master circular consolidates Basel I capital adequacy rules exclusively for Local Area Banks (LABs), as scheduled commercial banks (excluding RRBs) have moved to Basel II. LABs must continue following these prudential norms on capital components, risk weights, and capital charges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8133&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:58 IST",
   "published_at_iso": "2026-06-19T19:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/44",
   "title": "RBI Master Circular on NBFC Corporate Governance (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-44/",
   "products": [],
   "summary": "RBI consolidated corporate governance guidelines for NBFCs as of July 1, 2013. Key mandates: Audit Committees for NBFCs with assets ≥₹50 crore (and optionally for deposit-taking NBFCs with deposits ≥₹20 crore), Nomination Committees for deposit-taking NBFCs with deposits ≥₹20 crore and systemically ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8157&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/43",
   "title": "NBFC Entry into Insurance, Credit Cards & Mutual Fund Distribution",
   "url": "https://bankpulse.ai/c/rbi-2013-14-43/",
   "products": [],
   "summary": "RBI consolidated guidelines as of June 30, 2013, for NBFCs entering insurance, issuing credit cards, and distributing mutual funds. Key rules: insurance JV equity capped at 50%, agency business allowed without risk, and separate norms for Core Investment Companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8156&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/38",
   "title": "Master Circular on Exemptions from RBI Act, 1934",
   "url": "https://bankpulse.ai/c/rbi-2013-14-38/",
   "products": [],
   "summary": "RBI consolidated exemptions from Chapter III-B of the RBI Act for entities like housing finance, merchant banking, micro finance, and mutual benefit companies. Key conditions include SEBI registration for merchant bankers and lending limits for micro finance firms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8155&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/35",
   "title": "Updated Prudential Norms for Non-Deposit Taking NBFCs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-35/",
   "products": [],
   "summary": "RBI consolidated and updated prudential norms for non-deposit taking NBFCs as of June 30, 2013, superseding the 1998 directions. Key areas include income recognition, asset classification, provisioning, capital adequacy, and credit concentration limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8154&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/37",
   "title": "Master Circular: NBFC Returns to RBI",
   "url": "https://bankpulse.ai/c/rbi-2013-14-37/",
   "products": [],
   "summary": "RBI consolidated all NBFC return requirements into one master circular effective July 1, 2013. Deposit-taking NBFCs must file NBS-1, NBS-2, NBS-3, NBS-4, NBS-6 (if total assets >= Rs 100 crore), and half-yearly ALM returns (if public deposits > Rs 20 crore or asset size > Rs 100 crore). Systemically",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8153&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/36",
   "title": "NBFC Auditor Report Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2013-14-36/",
   "products": [],
   "summary": "RBI updated the NBFC Auditor's Report Directions 2008 as of June 30, 2013. Auditors must now submit a separate report to the board covering registration status, asset/income patterns, and compliance for all NBFCs, with specific rules for deposit-taking and non-deposit-taking firms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8152&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/34",
   "title": "NBFC Prudential Norms Directions 2007 Updated as on June 30, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-34/",
   "products": [],
   "summary": "RBI issued an updated consolidated version of the NBFC Prudential Norms Directions, 2007, incorporating all amendments up to June 30, 2013. This circular replaces the earlier 1998 directions and applies to deposit-accepting NBFCs and residuary non-banking companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8151&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/33",
   "title": "NBFC Public Deposit Rules: Consolidated Directions 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-33/",
   "products": [],
   "summary": "RBI consolidated the 1998 NBFC Public Deposit Directions as of June 30, 2013, into a single updated notification. This replaces earlier versions and provides one reference for all current rules on deposit acceptance, interest rates, and compliance for NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8150&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/111",
   "title": "RBI Allows Reset of Credit Enhancement in Securitisation",
   "url": "https://bankpulse.ai/c/rbi-2013-14-111/",
   "products": [],
   "summary": "RBI now permits resetting external credit enhancements in securitisation deals, allowing providers to withdraw excess amounts if conditions like re-rating and no rating deterioration are met. This applies to scheduled commercial banks and select all-India institutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8149&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/110",
   "title": "RBI Bans Discriminatory Intersol Charges Across Branches",
   "url": "https://bankpulse.ai/c/rbi-2013-14-110/",
   "products": [],
   "summary": "RBI has directed all scheduled commercial banks (excluding RRBs) to stop levying different 'Intersol' charges for the same service at home vs. non-home branches under CBS. If a service is free at the home branch, it must be free everywhere. Cash handling charges are excluded from this rule.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8148&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/91",
   "title": "Master Circular: Note and Coin Exchange Facilities for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-91/",
   "products": [],
   "summary": "RBI mandates all bank branches to actively provide note/coin exchange, accept soiled/mutilated notes, and refuse no small denomination tenders. Soiled notes now include two-piece pasted notes. Brittle/burnt notes go to RBI offices. Banks must publicize these services.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8147&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/87",
   "title": "Master Circular on Counterfeit Note Detection and Impounding",
   "url": "https://bankpulse.ai/c/rbi-2013-14-87/",
   "products": [],
   "summary": "RBI consolidated instructions on detecting and impounding counterfeit notes. Banks must verify notes at back offices, never return fakes to tenderers, and report to police. Non-compliance invites penalties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8146&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:49 IST",
   "published_at_iso": "2026-06-19T19:49:00+05:30"
  },
  {
   "ref": "RBI/2013-14/93",
   "title": "FCRA 2010 Master Circular for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-93/",
   "products": [],
   "summary": "RBI issued a Master Circular consolidating guidelines under FCRA 2010, replacing the 1976 Act. Banks must ensure compliance with new rules on foreign contributions, including registration, reporting, and restrictions. This circular serves as a single reference for all instructions up to June 30, 201",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8169&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/41",
   "title": "RBI Master Circular on KYC/AML for NBFCs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-41/",
   "products": [],
   "summary": "RBI consolidated all KYC/AML/CFT guidelines for NBFCs into a single Master Circular as of July 1, 2013, consolidating instructions up to June 30, 2012. It mandates Board-approved policies, customer due diligence, record-keeping, and reporting of suspicious transactions under PMLA, 2002.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8168&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/92",
   "title": "Penal Interest on Currency Chest Reporting Errors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-92/",
   "products": [],
   "summary": "RBI mandates same-day reporting of currency chest transactions via ICCOMS by 9 PM, with link offices consolidating by 11 PM. Delays or wrong reporting attract penal interest from T+0, with no cap on penalty amount. Soiled note misreporting incurs a flat Rs.50,000 fine.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8167&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/90",
   "title": "Master Circular: Incentives & Penalties for Customer Service",
   "url": "https://bankpulse.ai/c/rbi-2013-14-90/",
   "products": [],
   "summary": "RBI updated its 2012 master circular on incentives and penalties for bank branches, including currency chests, based on customer service performance in note and coin exchange. Key incentives cover capital and revenue cost reimbursements for currency chests in under-banked areas, plus per-packet fees",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8166&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/83",
   "title": "Master Circular: Credit Facilities to Minority Communities (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-83/",
   "products": [],
   "summary": "RBI updated its master circular on credit to minority communities, mandating a 10% priority sector sub-target for weaker sections (including minorities) and requiring banks to set up special cells with nodal officers. It also expanded monitoring to 121 minority concentration districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8165&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/40",
   "title": "RBI Updates MNBC Directions 1977 as of June 30, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-40/",
   "products": [],
   "summary": "RBI issued a consolidated version of the Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977, updated to June 30, 2013. This replaces all earlier amendments and provides a single reference for deposit acceptance, reporting, and compliance rules for MNBCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8164&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/55",
   "title": "Master Circular for Securitisation and Reconstruction Companies",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-55/",
   "products": [],
   "summary": "RBI consolidated all instructions for Securitisation Companies/Reconstruction Companies (SCs/RCs) as of June 30, 2013, covering registration, minimum owned fund (not less than 15% of total financial assets acquired or to be acquired or ₹100 crore, whichever is lower), business commencement timelines",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8163&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/39",
   "title": "RBI Master Circular on Fraud Monitoring for NBFCs (Updated as of June 30, 2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-39/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on fraud monitoring for deposit-taking NBFCs and large non-deposit-taking NBFCs (asset size ≥ ₹100 crore). It mandates timely fraud reporting, classification, quarterly returns, board reviews, and disclosure in balance sheets. Failure to report fraud cases i",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8162&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/52",
   "title": "RBI Updates Mortgage Guarantee Companies Investment Directions 2008 (as of June 30, 2012)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-52/",
   "products": [],
   "summary": "RBI consolidated and updated the Mortgage Guarantee Companies Investment Directions, 2008, as of June 30, 2012. This circular reissues the original 2008 prudential norms on investments, definitions, and NPA classification for all registered mortgage guarantee companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8161&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/45",
   "title": "RBI Consolidates NBFC-ND-SI Instructions: July 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-45/",
   "products": [],
   "summary": "RBI consolidated all instructions for systemically important non-deposit taking NBFCs (NBFC-ND-SI) as of June 30, 2013. Key points: asset size threshold of ₹100 crore for SI status, minimum CRAR of 10% initially, increased to 12% as of March 31, 2010, and 15% as of March 31, 2011, and single/group e",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8160&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/50",
   "title": "Master Circular: NBFC-Factor Directions 2012",
   "url": "https://bankpulse.ai/c/rbi-2013-14-50/",
   "products": [],
   "summary": "RBI consolidated all instructions for NBFC-Factors under the Factoring Regulation Act, 2011. This circular updates prudential norms, registration, and conduct requirements as of June 30, 2013, for NBFCs engaged in factoring business.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8159&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/47",
   "title": "RBI Master Circular 2013: NBFC Overseas Investments & Branch Setup",
   "url": "https://bankpulse.ai/c/rbi-2013-14-47/",
   "products": [],
   "summary": "NBFCs must obtain RBI's Department of Non-Banking Supervision No Objection before any overseas investment, branch, subsidiary, joint venture, or representative office. Prior approval is mandatory; violations attract FEMA penalties. Investments in non-financial services or prohibited activities are n",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8158&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:45 IST",
   "published_at_iso": "2026-06-19T19:45:00+05:30"
  },
  {
   "ref": "RBI/2013-14/109",
   "title": "Master Circular: Investment Portfolio Prudential Norms (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-109/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on classification, valuation, and operation of banks' investment portfolios as of June 30, 2013. This master circular updates the previous 2012 version and covers SLR and non-SLR securities, shifting categories, valuation methods, and income recognition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8183&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/106",
   "title": "Master Circular: Capital Adequacy & Risk Management for Standalone PDs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-106/",
   "products": [],
   "summary": "RBI consolidated all existing capital adequacy and risk management guidelines for standalone Primary Dealers into a single Master Circular as of July 1, 2013. It covers Tier-I and Tier-II capital definitions, credit and market risk measurement, and reporting formats.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8182&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/79",
   "title": "RBI Master Circular on FI Investment Portfolio Norms (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-79/",
   "products": [],
   "summary": "RBI issued a consolidated master circular on prudential norms for classification, valuation, and operation of investment portfolios by all-India term-lending and refinancing institutions (Exim Bank, NABARD, NHB, SIDBI), effective July 1, 2013, replacing the 2012 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8181&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/54",
   "title": "SARFAESI Guidelines for Securitisation & Reconstruction Cos (2003)",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-54/",
   "products": [],
   "summary": "RBI consolidated the 2003 Guidelines for Securitisation Companies (SCs) and Reconstruction Companies (RCs) as of June 30, 2013. These cover registration, prudential norms, asset reconstruction, and NPA classification (overdue for 180 days or more from date of acquisition or due date, whichever is la",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8180&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/94",
   "title": "KYC/AML/CFT Master Circular: Section 51A Implementation",
   "url": "https://bankpulse.ai/c/rbi-2013-14-94/",
   "products": [],
   "summary": "RBI consolidated KYC/AML/CFT guidelines up to June 30, 2013, including procedures under Section 51A of the Unlawful Activities (Prevention) Act, 1967 for freezing assets. Banks must follow customer identification, transaction monitoring, and reporting to combat terrorism financing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8179&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/100",
   "title": "Agency Commission Rates for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2013-14-100/",
   "products": [],
   "summary": "RBI updated agency commission rates effective July 1, 2012 per circular dated July 1, 2013: ₹50 per physical receipt, ₹12 per e-receipt, ₹65 per pension payment, and 5.5 paise per ₹100 turnover for payments other than pension. For PPF and SCSS, RBI pays commission w.e.f. July 1, 2012 at ₹50 per phys",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8177&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/48",
   "title": "RBI Master Circular on Core Investment Companies (CICs) – July 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-48/",
   "products": [],
   "summary": "RBI consolidated its regulatory framework for Core Investment Companies (CICs) as of June 30, 2013. CICs holding over 90% assets in group company shares and not trading are treated as NBFCs but with lighter rules. Systemically important CICs (assets ≥ ₹100 crore) must register and comply with capita",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8176&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/102",
   "title": "Master Circular: Operational Guidelines for Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-102/",
   "products": [],
   "summary": "RBI consolidated all operational guidelines for Primary Dealers (PDs) into a single master circular as of July 1, 2013. It covers regulations for standalone PDs and additional rules for banks doing PD business departmentally, including capital adequacy, risk management, and reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8175&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/51",
   "title": "Mortgage Guarantee Company Guidelines 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2013-14-51/",
   "products": [],
   "summary": "RBI consolidated its 2008 Mortgage Guarantee Company guidelines as of June 30, 2013. These rules govern registration, operations, and definitions for NBFCs offering mortgage guarantees to banks and HFCs. No new policy changes were introduced.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8174&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/46",
   "title": "RBI Master Circular: Miscellaneous Instructions for NBFCs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-46/",
   "products": [],
   "summary": "RBI consolidated all miscellaneous instructions for NBFCs issued up to June 30, 2013, into a single master circular. This covers 32 items including ALM guidelines, nomination rules, prudential norms, and compliance requirements. NBFCs must use this as the single reference for these instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8173&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/42",
   "title": "Master Circular on Fair Practices Code for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-42/",
   "products": [],
   "summary": "RBI consolidated all Fair Practices Code instructions for NBFCs/RNBCs as of June 30, 2013. Key updates include mandatory vernacular communication, disclosure of annualized interest and penal charges in bold, and specific norms for NBFC-MFIs and gold loan lenders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8172&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/103",
   "title": "Master Circular on Call/Notice Money Market Operations",
   "url": "https://bankpulse.ai/c/rbi-2013-14-103/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on call/notice money market into a single master circular. It covers participants, prudential limits, interest rates, dealing sessions, and reporting for scheduled commercial banks, co-operative banks, and primary dealers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8170&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:37 IST",
   "published_at_iso": "2026-06-19T19:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/49",
   "title": "RBI Creates NBFC-MFI Category: Key Directions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-49/",
   "products": [],
   "summary": "RBI introduced a new NBFC category—NBFC-MFI—with a minimum net owned funds of Rs. 5 crore (Rs. 2 crore for North Eastern Region for registration) and a requirement that at least 85% of net assets (excluding cash, bank balances, and money market instruments) be qualifying assets. Existing assets as o",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8195&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/97",
   "title": "RRBs Priority Sector Lending Master Circular 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-97/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending guidelines for RRBs into a single master circular as of July 1, 2013. RRBs must lend 60% of outstanding advances to priority sector, with 25% of that (15% of total) to weaker sections.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8194&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/108",
   "title": "Master Circular on Export Credit Refinance Facility",
   "url": "https://bankpulse.ai/c/rbi-2013-14-108/",
   "products": [],
   "summary": "RBI consolidated export credit refinance rules as of July 1, 2013. Banks can avail refinance up to 50% of eligible outstanding export credit at repo rate, with no margin, for up to 180 days. Penalties apply for irregular use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8193&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/96",
   "title": "RBI Master Circular on MSME Lending (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-96/",
   "products": [],
   "summary": "RBI consolidated all MSME lending guidelines into a single Master Circular as of July 1, 2013. It adopts the MSMED Act 2006 definitions for micro, small, and medium enterprises, including services, and confirms priority sector eligibility for loans to micro and small enterprises.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8192&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/107",
   "title": "Priority Sector Lending Targets and Classification Master Circular 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-107/",
   "products": [],
   "summary": "RBI consolidated all priority sector lending guidelines into a single master circular effective July 1, 2013, incorporating changes from the July 2012 revision. Banks must continue to meet the 40% target of adjusted net bank credit for priority sector lending, with sub-targets for agriculture and we",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8191&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/84",
   "title": "Master Circular: Swarna Jayanti Shahari Rozgar Yojana (SJSRY) 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-84/",
   "products": [],
   "summary": "RBI updated its master circular on SJSRY, consolidating all instructions issued up to June 30, 2013. The scheme aims to provide urban poor with self-employment or wage employment through community structures and skill training. Banks must follow the revised guidelines for lending and reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8190&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/56",
   "title": "SC/RC Management Takeover Guidelines 2010 Updated",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-56/",
   "products": [],
   "summary": "RBI updated guidelines for SCs/RCs to change or take over borrower management under SARFAESI Act. Key conditions: dues must be at least 25% of borrower's total assets (as per latest audited balance sheet), and if multiple secured creditors, secured creditors holding not less than 75% of outstanding ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8189&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/105",
   "title": "Master Circular on Commercial Paper Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2013-14-105/",
   "products": [],
   "summary": "RBI consolidated all CP guidelines into a single master circular. CP is an unsecured promissory note for short-term borrowing by highly rated corporates, PDs, and FIs. Key conditions: minimum net worth of Rs.4 crore, standard asset classification, and standalone issuance without mandatory bank backu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8188&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/53",
   "title": "Mortgage Guarantee Companies Prudential Norms Directions 2008 Updated",
   "url": "https://bankpulse.ai/c/rbi-2013-14-53/",
   "products": [],
   "summary": "RBI consolidated all current prudential norms for Mortgage Guarantee Companies into a single updated notification as of June 30, 2013, covering asset classification, NPA definitions, and net owned fund calculations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8187&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/101",
   "title": "Master Circular: Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-101/",
   "products": [],
   "summary": "RBI updated its master circular on pension disbursement by agency banks, consolidating instructions up to June 2013. Key changes include faster Dearness Relief payments via direct government orders to banks and acceptance of new nomination forms for pensioners.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8186&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/99",
   "title": "Master Circular on Direct Tax Collection via OLTAS",
   "url": "https://bankpulse.ai/c/rbi-2013-14-99/",
   "products": [],
   "summary": "RBI updated its master circular on direct tax collection through OLTAS, consolidating instructions up to June 2013. Agency banks must follow revised procedures for accepting, accounting, and reporting CBDT dues, including proper token issuance and challan handling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8185&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/98",
   "title": "RBI Master Circular on Branch Licensing for RRBs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-98/",
   "products": [],
   "summary": "RBI updated its Master Circular on branch licensing for Regional Rural Banks, consolidating all instructions issued up to June 30, 2013. RRBs must seek prior RBI approval for new branches, shifts, or mergers, with Board-level policy oversight and streamlined application processes via NABARD.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8184&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:26 IST",
   "published_at_iso": "2026-06-19T19:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/120",
   "title": "RBI Updates AML/CFT Guidance on High-Risk Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-120/",
   "products": [],
   "summary": "RBI has directed banks to consider FATF's June 21, 2013 update on jurisdictions with AML/CFT deficiencies. This does not ban legitimate trade but requires enhanced vigilance. Principal Officers must acknowledge receipt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8213&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/121",
   "title": "Interest on Frozen/Seized Public Deposits: NBFC Procedure",
   "url": "https://bankpulse.ai/c/rbi-2013-14-121/",
   "products": [],
   "summary": "RBI has clarified how NBFCs must handle interest on public deposits that are frozen or seized by enforcement authorities. Renew the deposit on maturity with customer consent, pay overdue interest per policy if delay exceeds 14 days, and release principal and interest only after government clearance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8212&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/119",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.78.374512",
   "url": "https://bankpulse.ai/c/rbi-2013-14-119/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the special currency basket for deferred payment protocols with the erstwhile USSR to Rs.78.374512, effective June 13, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8211&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/118",
   "title": "RBI eases forex hedging documentation: annual audit cert now enough",
   "url": "https://bankpulse.ai/c/rbi-2013-14-118/",
   "products": [],
   "summary": "RBI has replaced the quarterly statutory auditor certificate requirement for forex hedging under contracted exposure with an annual certificate. This reduces compliance burden for resident entities while retaining the client undertaking against double hedging.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8210&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/117",
   "title": "RBI Clarifies FDI Calculation and Downstream Investment Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-117/",
   "products": [],
   "summary": "RBI issued guidelines for calculating total foreign investment (direct + indirect) in Indian companies, transfer of ownership/control in sectors with caps, and downstream investment rules. Banks must ensure compliance and report non-conforming investments within 90 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8209&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/116",
   "title": "Master Circular on Mobile Banking Guidelines (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-116/",
   "products": [],
   "summary": "RBI consolidated all mobile banking guidelines into one master circular effective July 1, 2013. It covers registration, security, transaction limits, and grievance redressal for banks offering mobile banking. Banks must have core banking solutions and RBI approval to offer these services.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8207&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/115",
   "title": "NBFC NCD Private Placement: RBI Clarifies Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-115/",
   "products": [],
   "summary": "RBI clarifies that the minimum gap rule for successive NCD private placements is not yet operational. NBFCs must adopt a board-approved resource planning policy by September 30, 2013. Primary Dealers, Core Investment Companies, and subordinated debt are exempt from certain restrictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8206&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/114",
   "title": "RBI Master Circular on Use of Hindi in Public Sector Banks (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-114/",
   "products": [],
   "summary": "RBI updated its master circular on Hindi use in public sector banks, consolidating instructions up to June 30, 2013. Banks must continue implementing Official Language Act provisions, including bilingual correspondence, signage, software, and customer services, with quarterly progress reporting to R",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8205&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/113",
   "title": "Capital Rules for Bank Exposures to Central Counterparties",
   "url": "https://bankpulse.ai/c/rbi-2013-14-113/",
   "products": [],
   "summary": "RBI issued final guidelines on capital requirements for banks' exposures to central counterparties (CCPs), effective January 1, 2014. Banks must now assign capital for counterparty credit risk on OTC derivatives, exchange-traded derivatives, and securities financing transactions with CCPs, replacing",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8204&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2006-07/441",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2006-07-441/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank Linkage guidelines into a single Master Circular as of July 1, 2013, covering existing instructions up to June 30, 2013. This aims to simplify access for banks and promote formal credit to rural poor through self-help groups.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8203&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/112",
   "title": "RBI Drops Borrower Consent for Credit Info Sharing with CICs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-112/",
   "products": [],
   "summary": "RBI has withdrawn the requirement for banks to obtain borrower consent before reporting credit data to Credit Information Companies, as the CIC Act, 2005 now provides statutory backing for such sharing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8202&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/61",
   "title": "Master Circular on Para-Banking Activities (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-61/",
   "products": [],
   "summary": "RBI consolidated all para-banking guidelines for scheduled commercial banks (excluding RRBs) into a single master circular, effective July 1, 2013. It covers rules for subsidiaries, investments, insurance, mutual funds, and other financial services, ensuring sound and prudent operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8196&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:18 IST",
   "published_at_iso": "2026-06-19T19:18:00+05:30"
  },
  {
   "ref": "RBI/2013-14/133",
   "title": "ECB Refinancing/Rescheduling Rules Extended Till Sep 30, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-133/",
   "products": [],
   "summary": "RBI has extended the validity of existing ECB refinancing/rescheduling instructions until September 30, 2013. All other ECB policy terms remain unchanged. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8230&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/132",
   "title": "Trade Credit Cost Ceiling Extended Till Sep 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-132/",
   "products": [],
   "summary": "RBI confirms the existing all-in-cost ceiling for trade credits for imports continues to apply until September 30, 2013. AD banks should link the trade credit period to the operating cycle and trade transaction. No other policy changes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8229&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/130",
   "title": "Lead Bank Scheme Extended to Metro Districts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-130/",
   "products": [],
   "summary": "RBI has assigned lead bank responsibilities for 16 districts in Delhi, Mumbai, Chennai, Kolkata, and Hyderabad, bringing all metro areas under the lead bank scheme as per the 2013-14 Monetary Policy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8228&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/129",
   "title": "RBI Pushes Banks to Accelerate Aadhaar Seeding for DBT",
   "url": "https://bankpulse.ai/c/rbi-2013-14-129/",
   "products": [],
   "summary": "RBI directs banks to fast-track account opening and Aadhaar seeding in DBT districts, set up district-level coordination committees, display BC details on SLBC websites, and establish grievance redressal mechanisms for seeding issues.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8227&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/128",
   "title": "AML/CFT Compliance Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-128/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to review FATF's updated June 2013 statement on AML/CFT compliance gaps in certain jurisdictions. Banks must consider the information but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8226&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/127",
   "title": "RBI bans proprietary trading in currency futures/options by AD-I banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-127/",
   "products": [],
   "summary": "RBI has prohibited AD Category-I banks from proprietary trading in currency futures and exchange-traded currency options. All transactions in these markets must now be solely on behalf of clients, effective immediately until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8225&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/126",
   "title": "ECB Policy Relaxed for NBFC-Asset Finance Companies",
   "url": "https://bankpulse.ai/c/rbi-2013-14-126/",
   "products": [],
   "summary": "RBI now allows NBFC-Asset Finance Companies (AFCs) to raise ECB under automatic route for importing infrastructure equipment for leasing, with a five-year minimum maturity, up to 75% of owned funds or USD 200 million per year, and full hedging required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8219&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/125",
   "title": "Rupee Value of Special Currency Basket Revised to ₹80.97",
   "url": "https://bankpulse.ai/c/rbi-2013-14-125/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to ₹80.972091, effective June 25, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8218&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/124",
   "title": "Exim Bank's USD 10 mn Line of Credit to Seychelles",
   "url": "https://bankpulse.ai/c/rbi-2013-14-124/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 10 million Line of Credit to the Government of Seychelles for financing eligible Indian exports, with at least 75% of contract value sourced from India (with possible 10% relaxation for civil construction projects) and specific timelines for pro",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8217&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62957",
   "title": "RBI cancels licence of Shree Mahalaxmi Urban Co-operative Credit Bank, Karnataka",
   "url": "https://bankpulse.ai/c/rbi-doc-62957/",
   "products": [],
   "summary": "RBI cancelled the licence of Shree Mahalaxmi Urban Co-operative Credit Bank Ltd., Gokak, Karnataka, effective June 18, 2026, due to inadequate capital and poor earnings. The bank is now prohibited from banking business. Depositors can claim up to ₹5 lakh from DICGC; 97.90% are fully covered.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62957",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/123",
   "title": "FATF AML/CFT Compliance Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-123/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to review FATF's June 2013 update on high-risk jurisdictions. Banks must consider the updated statement but can still conduct legitimate trade with those countries. Principal Officers must acknowledge receipt to RBI regional offices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8216&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/122",
   "title": "RBI extends UCIC deadline for NBFCs to March 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-122/",
   "products": [],
   "summary": "RBI has extended the deadline for NBFCs to assign a Unique Customer Identification Code (UCIC) to existing individual customers from June 2013 to March 31, 2014. New customers must still get UCIC at account opening.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8214&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:08 IST",
   "published_at_iso": "2026-06-19T19:08:00+05:30"
  },
  {
   "ref": "RBI/2013-14/144",
   "title": "MSF borrowing limit raised to 2.5% of NDTL for mutual fund liquidity",
   "url": "https://bankpulse.ai/c/rbi-2013-14-144/",
   "products": [],
   "summary": "RBI raised the MSF borrowing limit below SLR from 2% to 2.5% of NDTL, with the extra 0.5% exclusively for the Special Repo Window to meet mutual fund liquidity needs. This is a temporary measure until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8248&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/143",
   "title": "RBI Opens Rs 25,000 Cr Special Repo Window for Mutual Fund Liquidity",
   "url": "https://bankpulse.ai/c/rbi-2013-14-143/",
   "products": [],
   "summary": "RBI opens a Rs 25,000 crore special repo window for banks to lend to mutual funds. The 3-day repo at 10.25% interest runs alongside LAF and MSF. Banks get SLR waiver up to 0.5% of NDTL for shortfalls. First operation on July 18, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8247&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/142",
   "title": "LAF Allocation Capped at 1% of NDTL from July 17",
   "url": "https://bankpulse.ai/c/rbi-2013-14-142/",
   "products": [],
   "summary": "RBI caps total LAF funds at 1% of banking system NDTL (₹75,000 crore) from July 17, 2013. Individual bank allocation is proportional to bids within this ceiling. Morning and additional repo auctions share the combined cap.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8246&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/141",
   "title": "RBI Phases Out Non-CTS-2010 Cheques with Special Clearing Sessions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-141/",
   "products": [],
   "summary": "RBI mandates separate, less frequent clearing sessions for non-CTS-2010 cheques from Jan 1, 2014, starting thrice weekly and reducing to weekly by Nov 2014. Banks must return such cheques in regular CTS clearing with reason code 37, causing delays for customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8245&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/139",
   "title": "Bank Rate Hiked to 10.25%: Impact on Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-139/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 200 bps to 10.25% effective July 15, 2013. This directly increases penal interest on reserve shortfalls and refinance rates for SSI, raising borrowing costs for urban cooperative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8242&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/138",
   "title": "Bank Rate Hiked by 200 bps to 10.25%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-138/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 200 basis points from 8.25% to 10.25%, effective July 15, 2013. This directly increases penal interest rates on reserve shortfalls, impacting banks' cost of non-compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8241&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/137",
   "title": "ECB Scheme Extended for Overseas Investment Firms",
   "url": "https://bankpulse.ai/c/rbi-2013-14-137/",
   "products": [],
   "summary": "RBI expands the USD 10 billion ECB scheme to manufacturing, infrastructure, and hotel companies with overseas JVs/WOS/assets, allowing ECB for rupee loan repayment and capex, subject to forex earnings conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8236&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/136",
   "title": "Banks Must Use Only TRAI-Registered Telemarketers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-136/",
   "products": [],
   "summary": "RBI reiterates that banks must engage only TRAI-registered telemarketers for promotional calls. Unregistered telemarketers using normal lines for calls to customers on the National Customer Preference Register are causing grievances. Strict compliance is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8235&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/135",
   "title": "RBI Tightens KYC/AML Rules for Third-Party Products and Walk-In Customers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-135/",
   "products": [],
   "summary": "RBI flags widespread KYC/AML lapses by banks in distributing third-party products and handling walk-in customers. Banks must verify identity for walk-in customers on transactions of ₹50,000 or more (single or connected series), file CTRs/STRs for structuring below this threshold, and ensure PAN is q",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8234&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/134",
   "title": "ECB All-in-Cost Ceiling Extended Till Sep 30, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-134/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for External Commercial Borrowings (ECB) until September 30, 2013. No other changes to ECB policy. AD Category-I banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8233&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/131",
   "title": "RBI Grants General Permission for Banks to Acquire SWIFT Shares",
   "url": "https://bankpulse.ai/c/rbi-2013-14-131/",
   "products": [],
   "summary": "RBI now allows banks licensed under the Banking Regulation Act, 1949 to acquire SWIFT shares without case-by-case approval, provided they are members of the SWIFT User's Group in India. This replaces the earlier approval route.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8232&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 19:01 IST",
   "published_at_iso": "2026-06-19T19:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/156",
   "title": "Priority Sector Lending: Disbursement Definition Clarified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-156/",
   "products": [],
   "summary": "RBI has defined 'disbursement' for priority sector lending reporting: for cash credit/overdraft, it's the lower of debit sum minus charges or the sanctioned limit; for term loans, it's debit sum minus charges for the period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8265&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/155",
   "title": "RBI Updates NBFCs on FATF AML/CFT Compliance Statement",
   "url": "https://bankpulse.ai/c/rbi-2013-14-155/",
   "products": [],
   "summary": "RBI directs all NBFCs to review the updated FATF statement on AML/CFT compliance from June 21, 2013, which lists jurisdictions with deficiencies. NBFCs must consider this information but can still pursue legitimate business with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8264&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/154",
   "title": "CRR Daily Minimum Hiked to 99% from July 27, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-154/",
   "products": [],
   "summary": "RBI raised the daily minimum CRR maintenance from 70% to 99% of required reserves, effective July 27, 2013, to curb exchange market volatility. Banks must now hold almost full CRR every day, reducing intra-fortnight flexibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8263&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/153",
   "title": "LAF Cap for Standalone Primary Dealers at 100% of Net Owned Funds",
   "url": "https://bankpulse.ai/c/rbi-2013-14-153/",
   "products": [],
   "summary": "RBI capped LAF borrowing for standalone Primary Dealers at 100% of net owned funds from July 24, 2013, as part of measures to curb exchange rate volatility. The cap applies to combined morning and additional LAF repo allocations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8262&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/151",
   "title": "Revised Online Reporting for Unhedged Forex Exposures",
   "url": "https://bankpulse.ai/c/rbi-2013-14-151/",
   "products": [],
   "summary": "AD Category-I banks must now submit quarterly reports on corporate unhedged foreign currency exposures online via XBRL, starting Q3 2013. The revised format replaces the earlier offline submission process.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8261&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/152",
   "title": "LAF Cap Tied to NDTL at 0.50%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-152/",
   "products": [],
   "summary": "RBI capped each bank's LAF borrowing at 0.50% of its NDTL, effective July 24, 2013, replacing the earlier Rs. 75,000 crore system-wide cap. This move aimed to curb rupee volatility by tightening liquidity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8260&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/150",
   "title": "KYC Updation Periodicity Simplified for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-150/",
   "products": [],
   "summary": "RBI has relaxed KYC updation frequency: full KYC every 10 years for low-risk, 8 for medium-risk, and 2 for high-risk customers. Positive confirmation required every 2-3 years for medium/low risk. Fresh photos on minor becoming major.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8259&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/149",
   "title": "Exim Bank's $19M Line of Credit to Senegal for Fisheries Project",
   "url": "https://bankpulse.ai/c/rbi-2013-14-149/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 19 million Line of Credit to Senegal for a Fisheries Development Project. At least 75% of contract value must be sourced from India. Banks must facilitate exports under this LOC with standard GR/SDF documentation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8258&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/148",
   "title": "Gold Import Rules Tightened: 20% for Export, Bonded Warehouse Norms",
   "url": "https://bankpulse.ai/c/rbi-2013-14-148/",
   "products": [],
   "summary": "RBI mandates that from July 22, 2013, nominated banks/agencies must reserve 20% of every gold import lot for exports and keep that 20% in bonded warehouses. Fresh imports allowed only after 75% of the bonded stock is exported. Domestic supply restricted to jewellers and bullion dealers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8252&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/146",
   "title": "Bank Rate Hiked by 200 bps to 10.25% for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-146/",
   "products": [],
   "summary": "RBI raised the Bank Rate from 8.25% to 10.25% effective July 15, 2013. This directly increases penal interest rates on reserve shortfalls for RRBs and cooperative banks, now ranging from 13.25% to 15.25% depending on shortfall duration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8250&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/145",
   "title": "Exim Bank's $35 mn Line of Credit to Ghana for Sugar Plant",
   "url": "https://bankpulse.ai/c/rbi-2013-14-145/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 35 million Line of Credit to Ghana's government for a sugar plant project. At least 75% of contract value must be sourced from India. Banks must ensure GR/SDF form declarations and no agency commission from LOC proceeds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8249&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:52 IST",
   "published_at_iso": "2026-06-19T18:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/169",
   "title": "FII Hedging for PN/ODI: Mandate Rules Clarified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-169/",
   "products": [],
   "summary": "RBI clarifies that FIIs must obtain a mandate from PN/ODI holders before hedging rupee exposure on securities backing those instruments. AD banks can accept a declaration from FIIs if verifying individual mandates is impractical.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8284&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/168",
   "title": "Revised PD Returns for Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-168/",
   "products": [],
   "summary": "RBI has revised formats for PD returns (PDR I, II, IV) effective from July 31, 2013, ahead of a web-based reporting platform. Primary Dealers must use the new formats immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8283&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/166",
   "title": "RRBs Must End Discriminatory Intersol Charges: Damodaran Committee",
   "url": "https://bankpulse.ai/c/rbi-2013-14-166/",
   "products": [],
   "summary": "RBI directs RRBs to stop charging different fees for same services at home vs non-home branches under CBS. Uniform pricing is now mandatory; cash handling charges are excluded from this rule.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8281&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/167",
   "title": "KYC Updation Norms Simplified for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-167/",
   "products": [],
   "summary": "RBI has eased KYC periodicity for UCBs: full KYC every 2 years for high-risk, 8 for medium, 10 for low risk. Positive confirmation every 2 years (medium) and 3 years (low risk). Fresh photos on minor becoming major.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8280&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/165",
   "title": "UAPA Sanctions List Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-165/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to update the UNSCR 1988 sanctions list for Taliban-linked entities, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8279&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/163",
   "title": "NBFCs must use only TRAI-registered telemarketers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-163/",
   "products": [],
   "summary": "RBI reiterates that NBFCs and RNBCs must engage only telemarketers registered with TRAI for promotional calls, following the Telecom Commercial Communications Customer Preference Regulations, 2010, to curb customer grievances from unregistered callers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8272&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/162",
   "title": "UAPA Sanctions List Update: Taliban-Linked Entities",
   "url": "https://bankpulse.ai/c/rbi-2013-14-162/",
   "products": [],
   "summary": "RBI mandates banks to update UNSCR 1988 sanctions list for Taliban-linked individuals/entities, screen new and existing accounts, and freeze assets as per UAPA Order. Compliance must be meticulous.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8271&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/161",
   "title": "RBI Eases KYC Updation Norms for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-161/",
   "products": [],
   "summary": "RBI has relaxed KYC updation frequency for low and medium risk customers at RRBs and co-op banks. Full KYC now required every 10 years for low risk, 8 for medium, and 2 for high risk. Positive confirmation needed every 2-3 years. Fresh photos for minors on becoming major.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8270&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/160",
   "title": "CRR Daily Minimum Hiked to 99% for StCBs/RRBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-160/",
   "products": [],
   "summary": "RBI raised the daily minimum CRR maintenance requirement from 70% to 99% for StCBs and RRBs, effective July 27, 2013, to curb exchange market volatility. Banks must now hold nearly all their CRR balance every day.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8269&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/159",
   "title": "UCBs: Daily CRR Maintenance Hiked to 99%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-159/",
   "products": [],
   "summary": "From July 27, 2013, Scheduled Primary Urban Co-operative Banks must maintain 99% of their required CRR daily, up from 70%. This tightens liquidity management to curb forex volatility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8268&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/158",
   "title": "RBI Bans Fresh PDC/EMI Cheques Where ECS Available",
   "url": "https://bankpulse.ai/c/rbi-2013-14-158/",
   "products": [],
   "summary": "RBI reiterates that banks must not accept fresh post-dated or EMI cheques in locations with ECS/RECS (Debit) facility, and must convert existing cheques to ECS mandates. Legal protection under PSS Act 2007 is equivalent to NI Act, so no extra cheques needed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8267&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/157",
   "title": "RRBs Must Join Credit Information Companies (2013 Circular)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-157/",
   "products": [],
   "summary": "RBI has flagged that many RRBs still haven't joined any Credit Information Company (CIC) as required under the 2005 Act. Immediate action is needed to take membership and start submitting credit data to at least one CIC.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8266&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:44 IST",
   "published_at_iso": "2026-06-19T18:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/181",
   "title": "LRS Limit Slashed to USD 75,000; Property Remittances Barred",
   "url": "https://bankpulse.ai/c/rbi-2013-14-181/",
   "products": [],
   "summary": "RBI cuts LRS limit from USD 200,000 to USD 75,000 per financial year, effective immediately. Remittances for overseas immovable property are banned. Resident individuals can now set up JVs/WOS abroad within the new limit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8306&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/180",
   "title": "RBI slashes ODI automatic route limit to 100% of net worth",
   "url": "https://bankpulse.ai/c/rbi-2013-14-180/",
   "products": [],
   "summary": "RBI reduced the automatic route limit for overseas direct investment from 400% to 100% of the Indian party's net worth, effective immediately. Any ODI above 100% now requires RBI approval. Navaratna PSUs, ONGC Videsh, and Oil India in the oil sector remain exempt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8305&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/179",
   "title": "Revised Incentives for Banknote and Coin Distribution (August 12, 2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-179/",
   "products": [],
   "summary": "RBI has revised the incentive scheme for banknote and coin distribution, effective August 12, 2013. Higher incentives are offered for exchanging soiled notes (₹2 per packet for denominations up to ₹50) and distributing coins (₹25 per bag), with payments based on net withdrawal from currency chests. ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8304&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/178",
   "title": "Exim Bank's $300 mn Line of Credit to Ethiopia for Railway Project",
   "url": "https://bankpulse.ai/c/rbi-2013-14-178/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 300 million Line of Credit to Ethiopia for financing the Ethio-Djibouti Railway Line project. At least 75% of contract value must be sourced from India. Banks must advise exporters and handle GR/SDF declarations accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8303&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/177",
   "title": "Exim Bank's $28.6 mn Line of Credit to Zimbabwe",
   "url": "https://bankpulse.ai/c/rbi-2013-14-177/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 28.60 million Line of Credit to Zimbabwe for upgrading Deka Pumping Station. At least 75% of contract value must be sourced from India. Banks must advise exporters and handle GR/SDF forms and commission rules accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8302&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/176",
   "title": "FEMA Compounding: Faster Refunds & New Mandatory Fields",
   "url": "https://bankpulse.ai/c/rbi-2013-14-176/",
   "products": [],
   "summary": "RBI mandates NEFT refunds for returned FEMA compounding applications and adds PAN and NIC code 1987 as mandatory fields. Incomplete applications will be returned, so ensure all approvals are in place before submission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8301&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/175",
   "title": "RRBs: Frontload Branch Openings in Unbanked Rural Areas",
   "url": "https://bankpulse.ai/c/rbi-2013-14-175/",
   "products": [],
   "summary": "RBI directs RRBs to frontload branch openings in unbanked rural (Tier 5/6) centres over a 3-year cycle aligned with their Financial Inclusion Plan (2013-16). The existing 25% annual allocation rule continues, with excess openings eligible for carry-forward credit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8295&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/174",
   "title": "RBI Circular on Co-operative Banks: Credit Information Companies Compliance - August 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-174/",
   "products": [],
   "summary": "RBI issued a circular on August 7, 2013, to all State and Central Co-operative Banks (StCBs and CCBs) regarding compliance with the Credit Information Companies (Regulation) Act, 2005. It mandates that these banks must become members of at least one Credit Information Company (CIC) and provide credi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8294&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/173",
   "title": "NRD-CSR Reporting Moves to XBRL Platform from October 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-173/",
   "products": [],
   "summary": "RBI mandates XBRL-based NRD-CSR reporting from October 2013, replacing email-based DAT file submissions. Banks must upload XML instance documents via RBI's portal by the 10th of each month. Legacy software support ends after go-live.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8293&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/172",
   "title": "NBFC Infrastructure Lending Definition Expanded",
   "url": "https://bankpulse.ai/c/rbi-2013-14-172/",
   "products": [],
   "summary": "RBI has expanded the definition of 'infrastructure loan' for NBFCs to include capital dredging, slurry pipelines, and telecom services, effective immediately. This aligns with the government's updated Harmonised Master List of Infrastructure sub-sectors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8287&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/171",
   "title": "RBI Tightens ATM Customer Service Norms",
   "url": "https://bankpulse.ai/c/rbi-2013-14-171/",
   "products": [],
   "summary": "RBI mandates that ATMs display cash-out messages before transactions, requires clear ATM ID display, and insists on complaint forms and toll-free helplines at ATM sites. Banks must also enforce PIN entry for all transactions, enable time-out sessions, and run awareness campaigns with IBA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8286&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/170",
   "title": "UAPA Sanctions List Update for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-170/",
   "products": [],
   "summary": "RBI directs all Primary (Urban) Co-operative Banks to update their UNSCR 1988 sanctions list with new Taliban-linked entries from June 27, 2013, and screen all new and existing accounts against it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8285&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:38 IST",
   "published_at_iso": "2026-06-19T18:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/194",
   "title": "RBI Raises FCNR(B) Deposit Rate Ceiling for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-194/",
   "products": [],
   "summary": "RBI increased the interest rate ceiling on 3-5 year FCNR(B) deposits for Regional Rural Banks from LIBOR/Swap plus 300 bps to plus 400 bps, effective August 14, 2013, until November 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8327&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/193",
   "title": "RRBs Freed to Set NRE Deposit Rates for 3+ Year Tenors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-193/",
   "products": [],
   "summary": "RBI has deregulated interest rates on NRE deposits with maturity of 3 years and above for RRBs, removing the earlier ceiling. This allows RRBs to offer higher rates on these long-term NRE deposits, effective until November 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8326&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/192",
   "title": "RBI Simplifies NRI Portfolio Investment Scheme: Single Unique Code for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-192/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to use a single Unique Code for their link office, dispensing with branch-level codes for NRI Portfolio Investment Scheme (PIS). Banks can let all branches administer PIS, subject to conditions like daily reporting via ORFS and compliance with FEMA restrictions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8325&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/191",
   "title": "RBI raises foreign investment cap in ARCs to 74%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-191/",
   "products": [],
   "summary": "RBI increased the combined FDI and FII limit in Asset Reconstruction Companies from 49% to 74%, removed the ban on FII equity investment, and raised FII investment in Security Receipts to 74% per tranche, with no individual FII cap on SRs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8318&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/190",
   "title": "CRR/SLR Exemption for Long-Term FCNR(B) and NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-190/",
   "products": [],
   "summary": "From August 24, 2013, incremental FCNR(B) and NRE deposits with maturity of 3 years or more, over the July 26, 2013 base, are exempt from CRR and SLR. NRO-to-NRE transfers don't qualify.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8316&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/189",
   "title": "Exim Bank's USD 41.6 mn Line of Credit to Comoros",
   "url": "https://bankpulse.ai/c/rbi-2013-14-189/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 41.60 million Line of Credit to Comoros for an 18 MW power project. At least 75% of contract value must be sourced from India. Banks must facilitate GR/SDF declarations and handle commission remittances per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8314&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/188",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.83.45",
   "url": "https://bankpulse.ai/c/rbi-2013-14-188/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.83.45023, effective August 12, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8313&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/187",
   "title": "RBI Tightens Gold Import Rules: 20/80 Scheme & Coin Ban",
   "url": "https://bankpulse.ai/c/rbi-2013-14-187/",
   "products": [],
   "summary": "RBI has banned gold coin/medallion imports and mandated that 20% of every gold import lot must be used for exports. Domestic sales require full upfront payment, and imports are linked to the highest quantity of gold supplied to exporters in any one of the last three years, with front-loading restric",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8312&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/186",
   "title": "NRE Deposit Rate Ceiling Removed for 3+ Year Tenors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-186/",
   "products": [],
   "summary": "RBI has freed banks to set any interest rate on NRE deposits of 3 years and above, removing the earlier ceiling that tied them to domestic rupee deposit rates. This temporary relaxation, valid until November 30, 2013, aims to pass on CRR/SLR exemption benefits to depositors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8311&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/184",
   "title": "CRR/SLR Exemption for FCNR(B) and NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-184/",
   "products": [],
   "summary": "From August 24, 2013, incremental FCNR(B) and NRE deposits with maturity of 3 years or more, over the July 26, 2013 base, are exempt from CRR/SLR and excluded from ANBC for priority sector lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8309&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/183",
   "title": "RBI Bans Writing on Banknotes Under Clean Note Policy",
   "url": "https://bankpulse.ai/c/rbi-2013-14-183/",
   "products": [],
   "summary": "RBI has ordered all banks to immediately stop staff from writing or scribbling on banknotes. Such markings render notes unfit for reuse under mechanized processing, wasting currency and undermining the Clean Note Policy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8308&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/182",
   "title": "UAPA Section 51-A: UN Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2013-14-182/",
   "products": [],
   "summary": "RBI directs banks to update the UNSCR 1267 Al-Qaida sanctions list with the 19th amendment from August 6, 2013. Banks must screen new and existing accounts against this list and freeze assets of designated individuals/entities as per the UAPA Order of 2009.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8307&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:30 IST",
   "published_at_iso": "2026-06-19T18:30:00+05:30"
  },
  {
   "ref": "RBI/2013-14/206",
   "title": "8% Savings Bonds 2003: Premature Encashment for Senior Citizens",
   "url": "https://bankpulse.ai/c/rbi-2013-14-206/",
   "products": [],
   "summary": "RBI now allows premature encashment of 8% Savings (Taxable) Bonds, 2003 for individual investors aged 60+ with lock-in periods of 5 years for 60-70, 4 years for 70-80, and 3 years for 80+. A 50% penalty on the last six months' interest applies. Banks must verify age proof and process requests.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8352&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/205",
   "title": "UCBs Banned from Donating to Director-Linked Trusts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-205/",
   "products": [],
   "summary": "RBI prohibits Urban Co-operative Banks from making donations to trusts where directors or their relatives hold positions or are interested, even within the earlier 1% profit ceiling. This immediate ban targets conflicts of interest.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8351&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/204",
   "title": "UCBs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-204/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to update their records with the latest UN Al-Qaida sanctions list. Banks must screen new and existing accounts against this list and freeze assets of designated individuals or entities as per UAPA orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8350&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/203",
   "title": "CRR/SLR Exemption for Long-Term FCNR(B) and NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-203/",
   "products": [],
   "summary": "Incremental FCNR(B) and NRE deposits with maturity of 3 years or more, over the July 26, 2013 base, are exempt from CRR/SLR and excluded from ABC for priority sector lending, effective August 24, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8349&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/202",
   "title": "RBI Reminds UCBs to Join Credit Information Companies",
   "url": "https://bankpulse.ai/c/rbi-2013-14-202/",
   "products": [],
   "summary": "RBI has reiterated that all Primary Urban Co-operative Banks must become members of at least one Credit Information Company (CIC) under the Credit Information Companies (Regulation) Act, 2005, as many UCBs have not yet complied.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8348&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/201",
   "title": "OTC Trade Reporting for Securitized Debt Instruments",
   "url": "https://bankpulse.ai/c/rbi-2013-14-201/",
   "products": [],
   "summary": "RBI mandates all regulated entities to report OTC trades in securitized debt instruments on FIMMDA's platform within 15 minutes, effective September 2, 2013, to boost market transparency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8342&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/200",
   "title": "Export Credit Interest Subvention Raised to 3%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-200/",
   "products": [],
   "summary": "RBI increased interest subvention on rupee export credit for select sectors from 2% to 3% effective August 1, 2013. Banks must reduce lending rates accordingly, with a floor rate of 7%, and pass the full benefit to eligible exporters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8341&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/199",
   "title": "Uniform Holiday Calendar for CTS Grids from Oct 7, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-199/",
   "products": [],
   "summary": "RBI mandates uniform holidays for CTS grids in New Delhi, Chennai, and Mumbai from October 7, 2013, aligning them with RTGS holidays to ensure smoother cheque clearing across states.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8340&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/198",
   "title": "RBI Relaxes HTM Limits and MTM Loss Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-198/",
   "products": [],
   "summary": "RBI allows banks to retain SLR holdings in HTM at 24.5% of NDTL, exceeding the phased reduction limit, and permits spreading MTM losses on AFS/HFT portfolios over the financial year 2013-14.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8339&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/197",
   "title": "NRE Deposit Rate Ceiling Removed for 3+ Year Tenors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-197/",
   "products": [],
   "summary": "RBI has freed StCBs/CCBs to offer uncapped interest rates on NRE deposits of 3 years and above, leveraging CRR/SLR exemptions. The NRO rate ceiling remains. This relaxation is valid until November 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8338&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/196",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-196/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update the UN Al-Qaida sanctions list, screen new and existing accounts against it, and follow UAPA freezing procedures. Compliance officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8337&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/195",
   "title": "FCNR(B) Deposit Rate Ceiling Raised for 3-5 Year Tenors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-195/",
   "products": [],
   "summary": "RBI has raised the interest rate ceiling on FCNR(B) deposits of 3-5 year maturity from LIBOR/Swap plus 300 bps to plus 400 bps, effective August 14, 2013. The 1-3 year ceiling remains unchanged at plus 200 bps. This is valid until November 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8336&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:22 IST",
   "published_at_iso": "2026-06-19T18:22:00+05:30"
  },
  {
   "ref": "RBI/2013-14/218",
   "title": "RBI Mandates Full Disclosure of ATM Complaints and Bars Profit Transfer",
   "url": "https://bankpulse.ai/c/rbi-2013-14-218/",
   "products": [],
   "summary": "Banks must now include all ATM-related complaints—even those involving other banks—in their customer complaint disclosures. Additionally, unresolved ATM credit balances from technical failures cannot be transferred to profit and loss accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8367&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/217",
   "title": "RBI Bans Upfront Disbursal of Housing Loans for Under-Construction Projects",
   "url": "https://bankpulse.ai/c/rbi-2013-14-217/",
   "products": [],
   "summary": "RBI has prohibited banks from making upfront lump-sum disbursal of housing loans for incomplete or greenfield projects. Disbursals must now be linked to construction stages to curb risks like fund diversion and borrower credit score damage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8366&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/216",
   "title": "RBI Guidelines on Sharing IT Resources by Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-216/",
   "products": [],
   "summary": "RBI issued guidelines for banks to share IT resources for cost optimization, emphasizing strong IT governance, board-level approvals for critical assets, and strict adherence to security, privacy, and audit requirements. Banks must ensure service providers comply with all regulatory and legal norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8365&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/215",
   "title": "NRE Deposit Interest Rate Deregulation for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-215/",
   "products": [],
   "summary": "RBI allows urban co-operative banks to offer interest rates without any ceiling on NRE deposits with maturity of 3 years and above, effective until November 30, 2013. This is to pass on the benefit of CRR/SLR exemption on such deposits. NRO account interest rate ceiling remains unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8364&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/214",
   "title": "Deceased Depositor Claims: Forms Must Be on Bank Websites",
   "url": "https://bankpulse.ai/c/rbi-2013-14-214/",
   "products": [],
   "summary": "RBI has directed all scheduled commercial banks (excluding RRBs) to strictly follow the simplified procedure for settling deceased depositor claims and to prominently place claim forms on their websites for easy access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8363&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/213",
   "title": "RBI Cracks Down on Excessive KYC Data Collection",
   "url": "https://bankpulse.ai/c/rbi-2013-14-213/",
   "products": [],
   "summary": "RBI has warned banks against collecting intrusive personal details like family info, assets, and lifestyle data for KYC. Only mandatory information relevant to risk assessment should be sought; optional data requires customer consent post-account opening.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8362&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/212",
   "title": "BCs Allowed to Distribute Banknotes and Coins (Circular dated Sep 2, 2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-212/",
   "products": [],
   "summary": "RBI has permitted scheduled commercial banks to include distribution of banknotes and coins in the scope of activities of Business Correspondents (BCs), effective from the date of the circular (September 2, 2013), to improve last-mile currency delivery.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8361&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/211",
   "title": "Base Rate Methodology Revision Flexibility for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-211/",
   "products": [],
   "summary": "RBI now allows banks that commenced operations after July 2010 and have not completed one year as of September 2, 2013, to revise their Base Rate methodology within one year of commencement; banks commencing after this circular can also revise within one year; any bank may approach RBI for permissio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8360&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/210",
   "title": "KYC Norms Relaxed for Foreign Students Opening NRO Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-210/",
   "products": [],
   "summary": "RBI allows banks to open NRO accounts for foreign students using passport and admission letter as KYC, with temporary transaction limits until local address proof is submitted within 30 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8359&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/209",
   "title": "RBI allows e-KYC via Aadhaar as officially valid document",
   "url": "https://bankpulse.ai/c/rbi-2013-14-209/",
   "products": [],
   "summary": "RBI now accepts UIDAI's e-KYC service as an 'Officially Valid Document' under PML Rules (Prevention of Money Laundering (Maintenance of Records) Rules, 2005). Banks can use biometric authentication for paperless KYC verification, reducing identity fraud and document forgery risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8357&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/208",
   "title": "UAPA Sanctions List Updates: Al-Qaida Designations (Sept 2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-208/",
   "products": [],
   "summary": "RBI mandates banks to update UN Al-Qaida sanctions list with 20th and 21st updates (Aug 2013). All new and existing accounts must be screened against the list; freeze assets of designated individuals/entities as per UAPA Order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8354&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/207",
   "title": "UCBs: Export Credit Interest Subvention Hiked to 3%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-207/",
   "products": [],
   "summary": "RBI has increased interest subvention on rupee export credit for UCBs from 2% to 3% for specified sectors, effective August 1, 2013. This applies to scheduled primary urban co-operative banks holding AD Category I licence. All other terms from earlier circulars remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8353&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:12 IST",
   "published_at_iso": "2026-06-19T18:12:00+05:30"
  },
  {
   "ref": "RBI/2013-14/231",
   "title": "Cash Withdrawal at POS Extended to Bank-Issued Prepaid Cards",
   "url": "https://bankpulse.ai/c/rbi-2013-14-231/",
   "products": [],
   "summary": "RBI now allows cash withdrawal at POS terminals using bank-issued open system prepaid payment instruments, with a daily limit of Rs. 1,000, same as debit cards. This expands cash access for prepaid cardholders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8382&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/230",
   "title": "Bank Guarantees for Non-Resident FDI Acquisitions Simplified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-230/",
   "products": [],
   "summary": "AD Category-I banks can now issue bank guarantees for non-resident acquirers in open offers, delisting, or exit offers without prior RBI approval, provided SEBI (SAST) compliance and a counter-guarantee from an international bank are in place.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8381&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/229",
   "title": "UCBs: Simplify Deceased Depositor Claims – Put Forms Online",
   "url": "https://bankpulse.ai/c/rbi-2013-14-229/",
   "products": [],
   "summary": "RBI advises all Primary Urban Co-operative Banks that have a website to place claim forms for deceased depositor settlements prominently on their websites, enabling claimants to download them without visiting a branch.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8378&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/228",
   "title": "RBI Cracks Down on UCBs Over KYC Overreach",
   "url": "https://bankpulse.ai/c/rbi-2013-14-228/",
   "products": [],
   "summary": "RBI warns UCBs against demanding excessive personal details (dependents, assets, wedding date) during KYC. Only mandatory info is allowed upfront; optional data needs customer consent post-account opening. Banks must stop intrusive practices immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8377&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/227",
   "title": "RBI eases forward contract cancellation and rebooking limits for exporters and importers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-227/",
   "products": [],
   "summary": "RBI has increased the forward contract cancellation and rebooking limit for exporters from 25% to 50% of contracts booked in a financial year, and introduced a 25% limit for importers, effective September 4, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8376&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/226",
   "title": "Intra-day Short Selling of G-Secs Allowed for Select UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-226/",
   "products": [],
   "summary": "RBI now permits well-managed Urban Co-operative Banks meeting specific criteria—NDS-OM membership, net worth ₹25 crore, CRAR ≥9%, net NPA ≤3%, and concurrent treasury audit—to undertake intra-day short selling of government securities, reversing the earlier ban.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8375&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/225",
   "title": "RBI Updates AML/CFT Guidance for MTSS Agents",
   "url": "https://bankpulse.ai/c/rbi-2013-14-225/",
   "products": [],
   "summary": "RBI directs Indian Agents under MTSS to consider updated FATF statements on AML/CFT compliance from June 2013. Agents must ensure sub-agents follow these guidelines. Legitimate transactions with listed jurisdictions remain allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8373&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/223",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.86.86",
   "url": "https://bankpulse.ai/c/rbi-2013-14-223/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under Indo-USSR Deferred Payment Protocols to Rs.86.857663 effective August 23, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8372&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/222",
   "title": "LRS Clarifications: Shares, Education, Medical Remittances",
   "url": "https://bankpulse.ai/c/rbi-2013-14-222/",
   "products": [],
   "summary": "RBI clarifies LRS can acquire both listed and unlisted overseas shares. Education and medical remittances remain separate from the USD 75,000 LRS limit, allowing higher outflows for genuine needs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8371&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/221",
   "title": "ECB from Foreign Equity Holder for General Corporate Purpose",
   "url": "https://bankpulse.ai/c/rbi-2013-14-221/",
   "products": [],
   "summary": "RBI now permits eligible borrowers to raise ECB from their foreign equity holder (minimum 25% paid-up equity directly held by lender) under approval route, with minimum average maturity of 7 years, for general corporate purposes. No prepayment allowed before maturity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8370&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/220",
   "title": "ODI Rationalization: Grandfathering 400% Limit for Pre-Aug 14 Commitments",
   "url": "https://bankpulse.ai/c/rbi-2013-14-220/",
   "products": [],
   "summary": "RBI clarifies that financial commitments made on or before August 14, 2013, under the earlier 400% of networth automatic route are grandfathered and need no unwinding or RBI approval. Fresh commitments now capped at 100% of networth, except those funded via EEFC, ADR/GDR, or eligible ECB.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8369&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/219",
   "title": "RBI Introduces Branch Info Return for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-219/",
   "products": [],
   "summary": "RBI mandates all deposit-taking NBFCs and non-deposit NBFCs with assets over ₹50 crore to file a new 'Branch Info' return capturing branch details like address, opening, and closure dates. Initial filing within one month from September 3, 2013, for branches as on June 30, 2013, then quarterly update",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8368&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 18:04 IST",
   "published_at_iso": "2026-06-19T18:04:00+05:30"
  },
  {
   "ref": "RBI/2013-14/243",
   "title": "HTM Limit Doubled for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-243/",
   "products": [],
   "summary": "RBI doubled the HTM limit for standalone PDs from 100% to 200% of audited NOF, effective until further notice, to manage excessive G-sec yield volatility. One additional transfer to HTM is allowed this quarter.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8398&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/242",
   "title": "RBI allows e-KYC via Aadhaar for RRBs and cooperative banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-242/",
   "products": [],
   "summary": "RBI now permits RRBs and cooperative banks to use UIDAI's e-KYC service for paperless, biometric-based identity verification. The electronic demographic data and photo from Aadhaar authentication will be treated as an Officially Valid Document under PMLA rules, reducing fraud risk and enabling faste",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8397&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/241",
   "title": "RBI Tightens ODI Guarantee Rules for Step-Down Subs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-241/",
   "products": [],
   "summary": "RBI has amended ODI rules: corporate guarantees for second-generation or lower step-down operating subsidiaries now require the Indian party to indirectly hold 51% or more stake, removing the 'directly' clause from the earlier 'directly or indirectly' condition. This tightens approval route conditio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8396&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/240",
   "title": "RBI Doubles Overseas Borrowing Limit for AD Category-I Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-240/",
   "products": [],
   "summary": "RBI has raised the overseas borrowing limit for AD Category-I banks from 50% to 100% of unimpaired Tier I capital or USD 10 million (whichever higher), effective immediately. A concessional swap window with RBI at 100 bps below market rate is also opened till November 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8395&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/238",
   "title": "UCBs Must Update Al-Qaida Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-238/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to immediately update their records with the 20th and 21st update notes to the UN Al-Qaida sanctions list. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8391&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/236",
   "title": "RBI hikes loan limits for home repairs by UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-236/",
   "products": [],
   "summary": "RBI raised the ceiling on loans by Primary Urban Co-operative Banks for home repairs/additions/alterations to ₹2 lakh in rural/semi-urban areas and ₹5 lakh in urban areas. These loans remain eligible for priority sector classification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8390&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/235",
   "title": "UAPA Sanctions List Update: Al-Qaida Deletions (22nd Update)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-235/",
   "products": [],
   "summary": "RBI directs banks to update the UN Al-Qaida sanctions list with the 22nd update, which includes deletions. Banks must screen new and existing accounts against this list and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8389&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/234",
   "title": "RBI FCNR(B) Dollar Swap Window for 3-Year+ Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-234/",
   "products": [],
   "summary": "RBI opens a USD/INR swap window for banks to convert fresh 3-year+ FCNR(B) deposits into rupees at a fixed swap rate of 3.5% per annum, running from Sep 10 to Nov 30, 2013. Banks can swap once weekly, with a one-year lock-in on deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8388&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/233",
   "title": "RBI Raises INR Cash Carry Limit for Travellers to Rs 10,000",
   "url": "https://bankpulse.ai/c/rbi-2013-14-233/",
   "products": [],
   "summary": "RBI has increased the limit for carrying Indian currency notes abroad (except Nepal/Bhutan) from Rs 7,500 to Rs 10,000 per person. This applies to both taking notes out of India and bringing them back on temporary visits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8387&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/232",
   "title": "FDI via Stock Exchange: Non-Residents Can Now Buy Shares Under Takeover Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-232/",
   "products": [],
   "summary": "RBI now allows non-residents (including NRIs) to acquire listed Indian company shares on stock exchanges under the FDI scheme, provided they already hold control per SEBI takeover regulations. Payment can be via inward remittance, NRE/FCNR debit, escrow account, or dividend proceeds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8386&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:57 IST",
   "published_at_iso": "2026-06-19T17:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/257",
   "title": "RBI Updates AML/CFT Standards for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2013-14-257/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to review FATF's updated June 2013 statement on AML/CFT compliance, focusing on high-risk jurisdictions, without restricting legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8414&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/255",
   "title": "FDI Policy: Revised Definition of Control and Sectoral Updates",
   "url": "https://bankpulse.ai/c/rbi-2013-14-255/",
   "products": [],
   "summary": "RBI revised the definition of 'control' to include rights to appoint directors or influence management via shareholding or agreements. It also updated sectoral FDI caps and routes, and added Himachal Pradesh and Karnataka to the multi-brand retail trading list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8413&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/254",
   "title": "RBI Simplifies Export Declaration Forms for Goods and Software",
   "url": "https://bankpulse.ai/c/rbi-2013-14-254/",
   "products": [],
   "summary": "RBI introduces a common Export Declaration Form (EDF) for goods from non-EDI ports and a unified SOFTEX form for software exports, replacing older GR/PP forms. Online generation of form numbers via RBI website begins October 1, 2013, with manual allotment discontinued.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8411&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/253",
   "title": "Agency Banks to Stay Open for Advance Tax on Sep 14-15, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-253/",
   "products": [],
   "summary": "All agency banks must keep designated government business counters open on September 14 and 15, 2013, to accept advance income and corporate tax challans, treating both days as normal working days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8410&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/252",
   "title": "Special Clearing on Sep 14-15 for Advance Tax",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-252/",
   "products": [],
   "summary": "RBI mandates special clearing on Sep 14-15, 2013, exclusively for government receipts (advance tax). Agency banks can present instruments; all member banks must keep inward processing open and maintain sufficient settlement balances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8409&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/251",
   "title": "RBI eases downstream investment rules for Indian companies",
   "url": "https://bankpulse.ai/c/rbi-2013-14-251/",
   "products": [],
   "summary": "RBI has relaxed downstream investment rules: Indian companies can now use internal accruals for downstream investments, not just those engaged solely in investing. Earlier, only investment-holding companies could do this. The foreign funding condition remains unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8408&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/250",
   "title": "Central Repository for Large Common Exposures",
   "url": "https://bankpulse.ai/c/rbi-2013-14-250/",
   "products": [],
   "summary": "RBI will create a central repository of large credits (exposures over Rs 10 crore) using existing XBRL-based Return on Large Borrowers data. Banks must ensure data accuracy and integrity; non-compliance attracts penalties under the Banking Regulation Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8405&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/249",
   "title": "Revised CBS Deadline for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-249/",
   "products": [],
   "summary": "RBI has extended CBS implementation deadlines for UCBs: Tier I (non-unit) banks get until June 30, 2014, and unit banks until December 31, 2014. Tier II banks must still meet the original December 31, 2013 deadline. Non-compliance may block branch expansion and other facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8404&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/248",
   "title": "Cooperative Banks: Simplify Deceased Depositor Claims",
   "url": "https://bankpulse.ai/c/rbi-2013-14-248/",
   "products": [],
   "summary": "RBI directs StCBs/CCBs to strictly follow the simplified procedure for settling deceased depositor claims and to place claim forms prominently on their websites for easy access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8403&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/247",
   "title": "RBI Bans Upfront Housing Loan Disbursals for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-247/",
   "products": [],
   "summary": "RBI has directed RRBs to stop upfront disbursal of housing loans to builders. Disbursements must now be linked to construction stages to curb risks like fund diversion and borrower credit damage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8402&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/245",
   "title": "RRBs: Simplify Deceased Depositor Claim Forms on Website",
   "url": "https://bankpulse.ai/c/rbi-2013-14-245/",
   "products": [],
   "summary": "RBI directs RRBs to strictly follow simplified procedures for settling deceased depositor claims and to prominently place claim forms on their websites for easy download, reducing the need for claimants to visit branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8400&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/244",
   "title": "RBI Allows Banks to Use BCs and CIT Entities for Cash Distribution",
   "url": "https://bankpulse.ai/c/rbi-2013-14-244/",
   "products": [],
   "summary": "RBI has directed banks to explore using Business Correspondents and Cash-in-Transit entities for distributing banknotes and coins, aiming to improve last-mile connectivity and meet growing cash demand.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8399&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:48 IST",
   "published_at_iso": "2026-06-19T17:48:00+05:30"
  },
  {
   "ref": "RBI/2013-14/264",
   "title": "BSBDA FAQs: No Minimum Balance Accounts for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-264/",
   "products": [],
   "summary": "RBI issued FAQs clarifying the Basic Savings Bank Deposit Account (BSBDA) rules for RRBs and cooperative banks. These accounts must offer minimum facilities with zero minimum balance and no charges, as per the August 2012 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8431&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/267",
   "title": "UAPA Compliance: UN Al-Qaida Sanctions List Update for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-267/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their records with the 22nd UN Al-Qaida Sanctions List deletions, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8430&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/268",
   "title": "RBI Bans Upfront Housing Loan Disbursals for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-268/",
   "products": [],
   "summary": "RBI has prohibited Primary Urban Co-operative Banks from making upfront lump-sum disbursal of housing loans to builders for under-construction projects. Disbursals must now be linked to construction stages to curb risks like fund diversion and borrower credit score damage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8429&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/266",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.92.985396",
   "url": "https://bankpulse.ai/c/rbi-2013-14-266/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.92.985396, effective September 2, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8428&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/265",
   "title": "RBI cracks down on overseas forex trading via online portals",
   "url": "https://bankpulse.ai/c/rbi-2013-14-265/",
   "products": [],
   "summary": "RBI has directed AD Category-I banks to warn customers that online forex trading through electronic/internet portals violates FEMA. Banks must close accounts/cards of defaulting customers and report them to RBI. Failure to comply may invite action under FEMA Section 11(3).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8427&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/263",
   "title": "RBI allows UCBs to use UIDAI e-KYC for paperless verification",
   "url": "https://bankpulse.ai/c/rbi-2013-14-263/",
   "products": [],
   "summary": "RBI now permits Primary Urban Co-operative Banks to accept UIDAI's online Aadhaar authentication (e-KYC) as an Officially Valid Document under PMLA rules, enabling paperless KYC verification and reducing identity fraud risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8426&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/262",
   "title": "Govt scheme accounts: No dormant tag for DBT/scholarship credits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-262/",
   "products": [],
   "summary": "Banks may assign a separate product code in CBS to savings accounts opened for government DBT, scholarships, or zero-balance schemes. This can exempt them from being classified as inoperative/dormant due to two years of no transactions, ensuring seamless credit of benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8425&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/261",
   "title": "RBI Cracks Down on Overreach in KYC Data Collection by RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-261/",
   "products": [],
   "summary": "RBI has warned RRBs and cooperative banks against demanding excessive personal details (e.g., dependents, spouse name, assets) for KYC. Only mandatory risk-relevant info must be collected at account opening; optional data needs explicit customer consent and must be kept confidential.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8419&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/260",
   "title": "RBI Tightens Gold Loan Rules for NBFCs: Storage, Branch Approval, Valuation",
   "url": "https://bankpulse.ai/c/rbi-2013-14-260/",
   "products": [],
   "summary": "RBI mandates NBFCs lending against gold jewellery to have safe vaults at every branch, obtain prior approval for branches exceeding 1000, and value collateral using the 30-day average of 22-carat gold prices from The Bombay Bullion Association Ltd. This aims to curb risks from rapid growth and ensur",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8418&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/259",
   "title": "Forex Counters at Airport Departure Areas for Non-Residents",
   "url": "https://bankpulse.ai/c/rbi-2013-14-259/",
   "products": [],
   "summary": "RBI now allows forex counters in duty-free/security hold areas of international airports to buy unspent INR from non-residents and sell foreign currency, subject to conditions. Non-residents can carry up to ₹10,000 beyond immigration but must dispose of INR before boarding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8417&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/258",
   "title": "PSOs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2013-14-258/",
   "products": [],
   "summary": "RBI directs all Payment System Operators to update their records with the latest UN 1988 Sanctions List (Taliban-linked individuals/entities) and screen new and existing accounts against it, following UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8416&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/256",
   "title": "PSOs Must Screen Accounts Against Updated UN Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2013-14-256/",
   "products": [],
   "summary": "RBI mandates all payment system operators to update their records with the latest UN Al-Qaida sanctions list, screen new and existing accounts, and freeze assets of designated individuals or entities as per UAPA guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8415&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:41 IST",
   "published_at_iso": "2026-06-19T17:41:00+05:30"
  },
  {
   "ref": "RBI/2013-14/281",
   "title": "CRR Daily Minimum Maintenance Reduced to 95%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-281/",
   "products": [],
   "summary": "RBI reduced the daily minimum CRR maintenance from 99% to 95% of the requirement, effective from the fortnight starting September 21, 2013. This gives banks more flexibility in managing daily liquidity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8444&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/279",
   "title": "NRLM Credit Progress: Quarterly Reporting to RBI",
   "url": "https://bankpulse.ai/c/rbi-2013-14-279/",
   "products": [],
   "summary": "RBI now requires banks to submit a state-wise consolidated NRLM progress report quarterly, within 15 days of quarter-end, via email in the prescribed format. This replaces earlier reporting frequency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8443&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/276",
   "title": "Repo Rate Hike to 7.50%: Standing Liquidity Facilities Impact",
   "url": "https://bankpulse.ai/c/rbi-2013-14-276/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 7.50% effective September 20, 2013. Standing liquidity facilities for banks (Export Credit Refinance) and Primary Dealers will now be priced at this higher rate, increasing their cost of funds from RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8442&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/277",
   "title": "MSF Rate Cut by 75 bps to 9.50%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-277/",
   "products": [],
   "summary": "RBI reduced the Marginal Standing Facility rate by 75 basis points to 9.50%, effective immediately. This recalibrates MSF to 200 bps above the repo rate, easing emergency borrowing costs for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8441&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/278",
   "title": "RBI Hikes Repo Rate by 25 bps to 7.50%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-278/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 basis points to 7.50% effective immediately, with the reverse repo rate automatically adjusting to 6.50%. This move aims to tighten liquidity and curb inflation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8440&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/275",
   "title": "Revised Rupee Value of Special Currency Basket for Indo-Russian Protocols",
   "url": "https://bankpulse.ai/c/rbi-2013-14-275/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs. 90.052266 effective September 4, 2013, replacing the earlier value of Rs. 92.985396 from September 2, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8439&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/274",
   "title": "RBI Frees Branch Licensing for Well-Managed Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-274/",
   "products": [],
   "summary": "RBI now allows domestic scheduled commercial banks (excluding RRBs) to open branches in Tier 1 centres without prior approval, provided at least 25% of new branches are in unbanked rural (Tier 5-6) centres and Tier 1 openings do not exceed those in Tier 2-6 plus North-East/Sikkim.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8438&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/273",
   "title": "FCNR(B) Swap Window FAQs Released",
   "url": "https://bankpulse.ai/c/rbi-2013-14-273/",
   "products": [],
   "summary": "RBI released FAQs clarifying operational aspects of the FCNR(B) dollar swap window for scheduled banks (excluding RRBs). Banks must refer to these FAQs for smooth implementation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8437&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/272",
   "title": "KYC Norms for Foreign Students Opening NRO Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-272/",
   "products": [],
   "summary": "RBI eased KYC for foreign students: they can open NRO accounts with just a passport and admission letter, then submit local address proof within 30 days. During this period, accounts have a USD 1,000 inward remittance cap and Rs. 50,000 monthly withdrawal limit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8436&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/271",
   "title": "UAPA Sanctions: Update Al-Qaida List for RRBs & Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-271/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update the UN Al-Qaida sanctions list with the 22nd deletion update. Banks must screen new and existing accounts against this list and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8435&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/270",
   "title": "ECB Policy: Infrastructure Definition Expanded",
   "url": "https://bankpulse.ai/c/rbi-2013-14-270/",
   "products": [],
   "summary": "RBI has expanded the definition of infrastructure sector for ECB purposes, aligning it with the government's Harmonised Master List. New sub-sectors include energy (oil/gas storage, city gas), communication (towers, broadband), transport (inland waterways, urban public transport), water/sanitation (",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8434&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/269",
   "title": "RRBs: Complaint Analysis & ATM Balance Disclosure Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-269/",
   "products": [],
   "summary": "RBI mandates RRBs to analyze customer complaints for systemic issues, disclose complaint and Banking Ombudsman award data with financial results, and not transfer unreconciled ATM credit balances to P&L.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8432&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:32 IST",
   "published_at_iso": "2026-06-19T17:32:00+05:30"
  },
  {
   "ref": "RBI/2013-14/292",
   "title": "RBI cracks down on hidden charges and unfair loan pricing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-292/",
   "products": [],
   "summary": "RBI has banned banks from distorting interest rates via subventions, zero percent EMI gimmicks, and hidden fees. Banks must pass dealer discounts directly to customers without altering the rate of interest, and stop loading sourcing costs onto loan pricing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8461&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/291",
   "title": "RBI Eases Export Credit Revaluation Norms Amid Rupee Volatility",
   "url": "https://bankpulse.ai/c/rbi-2013-14-291/",
   "products": [],
   "summary": "RBI now allows banks to compute export credit limits monthly based on current assets, liabilities, and exchange rates, or denominate the foreign currency component in FC to insulate exporters from rupee fluctuations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8460&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/290",
   "title": "RBI Expands Trade Credit for Capital Goods Imports",
   "url": "https://bankpulse.ai/c/rbi-2013-14-290/",
   "products": [],
   "summary": "RBI now allows all sectors to avail trade credit up to USD 20 million for five years for importing capital goods, and reduces the minimum contract period from 15 to 6 months. AD Category-I banks must comply but cannot issue LCs/guarantees/LoUs/LoCs beyond three years.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8459&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/289",
   "title": "Exim Bank's USD 22.5 mn Line of Credit to Burkina Faso",
   "url": "https://bankpulse.ai/c/rbi-2013-14-289/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 22.50 million Line of Credit to Burkina Faso for a low-cost housing project. At least 75% of contract value must be sourced from India. Last date for opening of Letters of Credit and Disbursement is 48 months from scheduled completion date(s) of",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8458&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/288",
   "title": "CRR Daily Minimum Maintenance Reduced to 95% for RRBs/SCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-288/",
   "products": [],
   "summary": "RBI reduced the daily minimum CRR maintenance requirement from 99% to 95% of the prescribed CRR for Scheduled State Cooperative Banks and Regional Rural Banks, effective from the fortnight starting September 21, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8452&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/287",
   "title": "Bank Rate Cut by 75 bps to 9.50% for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-287/",
   "products": [],
   "summary": "RBI reduced the Bank Rate from 10.25% to 9.50% effective September 20, 2013. This 75 bps cut directly lowers penal interest rates on reserve shortfalls for RRBs and cooperative banks, easing their liquidity cost burden.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8451&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/285",
   "title": "RBI Discontinues Half-Yearly ORA Reporting for Overseas Offices",
   "url": "https://bankpulse.ai/c/rbi-2013-14-285/",
   "products": [],
   "summary": "RBI has scrapped the half-yearly Form ORA submission to its Regional Offices for AD banks. Banks must still maintain internal records of approvals for overseas trading/non-trading offices, branches, or representative offices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8450&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/286",
   "title": "RBI Dispenses with Form Submission to Its Office for Project Exports",
   "url": "https://bankpulse.ai/c/rbi-2013-14-286/",
   "products": [],
   "summary": "RBI has removed the requirement for Approving Authorities to submit project export forms (DPX1, PEX-1, TCS-1, DPX-3) to its regional office. However, submissions to ECGC and Exim Bank must continue if their interests are involved.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8449&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/283",
   "title": "Bank Rate Cut by 75 bps to 9.5% for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-283/",
   "products": [],
   "summary": "RBI reduced the Bank Rate from 10.25% to 9.5% effective September 20, 2013, a 75 bps cut. This directly lowers penal interest rates on reserve shortfalls and the SSI refinance rate for Primary Urban Co-operative Banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8448&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/284",
   "title": "CRR Daily Minimum Maintenance Reduced to 95% for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-284/",
   "products": [],
   "summary": "RBI reduced the daily minimum CRR maintenance requirement for Scheduled Primary Urban Co-operative Banks from 99% to 95%, effective from the fortnight starting September 21, 2013. This eases daily liquidity management for UCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8447&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/282",
   "title": "Bank Rate Cut by 75 bps to 9.50%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-282/",
   "products": [],
   "summary": "RBI reduced the Bank Rate from 10.25% to 9.50% effective September 20, 2013, a 75 bps cut. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8446&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/280",
   "title": "Online Reporting of Foreign Contribution Receipts Mandatory from Nov 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-280/",
   "products": [],
   "summary": "From November 1, 2013, all scheduled commercial banks (excluding RRBs) must report foreign contribution receipts online via MHA's software. Earlier optional, this becomes compulsory. Banks must create IDs and passwords immediately and submit data in Excel, CSV, or txt formats.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8445&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:26 IST",
   "published_at_iso": "2026-06-19T17:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/304",
   "title": "RBI Bans Higher-Cost ECB Refinancing from Oct 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-304/",
   "products": [],
   "summary": "RBI has stopped allowing borrowers to raise fresh ECB at a higher all-in-cost to refinance or reschedule existing ECB, effective October 1, 2013. Only refinancing at lower all-in-cost remains permitted under automatic or approval route, provided original maturity is maintained or extended.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8482&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/303",
   "title": "ECB All-in-Cost Ceiling Extended Till March 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-303/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for External Commercial Borrowings (ECB) until March 31, 2014. The ceiling, set under earlier circulars, remains unchanged. AD Category-I banks must inform customers. No other ECB policy changes were made.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8481&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/302",
   "title": "ECB Allowed for All Stages of PSU Disinvestment",
   "url": "https://bankpulse.ai/c/rbi-2013-14-302/",
   "products": [],
   "summary": "RBI clarifies that ECB proceeds can be used for all stages of share acquisition under the government's PSU disinvestment programme, including multiple rounds, not just the first stage and mandatory second offer.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8475&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/301",
   "title": "Trade Credit Cost Ceiling Extended Till March 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-301/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for trade credits for imports until March 31, 2014. No other changes to trade credit policy have been made. Banks must inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8474&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/300",
   "title": "UCBs: Exempt Scholarship & DBT Accounts from Dormant Tag",
   "url": "https://bankpulse.ai/c/rbi-2013-14-300/",
   "products": [],
   "summary": "RBI directs UCBs to assign a separate product code in CBS for accounts receiving government scholarships or DBT, so they are not classified as inoperative due to lack of transactions for two years. This ensures beneficiaries continue to receive credits without disruption.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8473&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/299",
   "title": "ADWDRS 2008: UCBs must submit auditor certificates by Oct 15, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-299/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to submit auditor certificates confirming accuracy of re-verification of beneficiaries under the Agricultural Debt Waiver & Debt Relief Scheme 2008, by October 15, 2013, due to wide divergence between percentage of errors found in CAG's sample audit a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8472&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/297",
   "title": "UCBs: Mandatory Online Reporting of Foreign Contributions from Nov 1",
   "url": "https://bankpulse.ai/c/rbi-2013-14-297/",
   "products": [],
   "summary": "From November 1, 2013, all Primary Urban Co-operative Banks must report foreign contribution receipts online via MHA's software. Earlier optional, this is now compulsory. Banks must create user IDs immediately and submit data in Excel, CSV, or txt formats as per the user guide.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8470&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/296",
   "title": "RBI's Final Deadline for POS Terminal Security: No More Extensions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-296/",
   "products": [],
   "summary": "RBI has denied further extensions for POS terminal security compliance (UKPT/DUKPT/TLE) beyond September 30, 2013. Non-compliant banks must compensate cardholders for fraud losses within 7 working days, with Rs.100 per day penalty for delays.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8469&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/295",
   "title": "UAPA Section 51-A: Al-Qaida Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2013-14-295/",
   "products": [],
   "summary": "RBI mandates banks to update the UN Al-Qaida sanctions list (23rd update) and screen all new and existing accounts against it. Freeze assets of designated individuals/entities per UAPA Order. Compliance acknowledgment required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8468&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/294",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.86.90",
   "url": "https://bankpulse.ai/c/rbi-2013-14-294/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.86.903352, effective September 13, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8467&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/293",
   "title": "RBI Eases Maturity Norm for AD-I Bank FC Borrowings Till Nov 30",
   "url": "https://bankpulse.ai/c/rbi-2013-14-293/",
   "products": [],
   "summary": "RBI has temporarily lowered the minimum maturity on overseas borrowings beyond 50% of Tier I capital from three years to one year, but only for swaps availed on or before November 30, 2013. After that date, the three-year floor returns.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8466&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:15 IST",
   "published_at_iso": "2026-06-19T17:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/318",
   "title": "Revised Priority Sector Lending Guidelines for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-318/",
   "products": [],
   "summary": "RBI has revised priority sector lending guidelines for Urban Co-operative Banks, effective immediately. Key changes include updated categories, targets linked to Adjusted Net Bank Credit or off-balance sheet exposures, and specific sub-targets for Micro & Small Enterprises and Weaker Sections.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8502&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/315",
   "title": "Bank Rate Cut by 50 bps to 9.0% Effective Oct 7, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-315/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 50 basis points from 9.5% to 9.0% effective October 7, 2013. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8498&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/314",
   "title": "MSF Rate Cut by 50 bps to 9.00%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-314/",
   "products": [],
   "summary": "RBI reduced the Marginal Standing Facility rate by 50 basis points from 9.50% to 9.00%, effective immediately. All other MSF scheme terms remain unchanged. This lowers the cost of emergency overnight borrowing for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8497&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/313",
   "title": "Cooperative Banks: DBT & Scholarship Accounts Exempt from Dormancy Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-313/",
   "products": [],
   "summary": "RBI exempts zero-balance DBT and scholarship accounts at StCBs/CCBs from the two-year dormancy rule. Banks must assign a separate product code in CBS and apply due diligence for transactions without inconveniencing customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8491&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/312",
   "title": "RRBs: New Product Code for DBT & Scholarship Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-312/",
   "products": [],
   "summary": "RBI directs RRBs to assign a separate product code in CBS for zero-balance accounts used for DBT, scholarships, and government scheme credits, exempting them from the two-year dormancy rule while requiring due diligence on transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8490&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/311",
   "title": "NBFCs Must Update UN Sanctions List for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-311/",
   "products": [],
   "summary": "RBI mandates NBFCs to update their records with the latest UN Al-Qaida sanctions list from August 2013, screen new and existing accounts against it, and ensure no linked accounts exist.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8489&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/310",
   "title": "NBFCs Must Update UN Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2013-14-310/",
   "products": [],
   "summary": "RBI directs all NBFCs to update the UN 1988 Sanctions List for Taliban-linked individuals/entities. Before opening new accounts, verify names against the list; also scan existing accounts for matches. Non-compliance risks regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8488&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/309",
   "title": "UCBs: Update UN Al-Qaida Sanctions List Under UAPA",
   "url": "https://bankpulse.ai/c/rbi-2013-14-309/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update the UN Al-Qaida sanctions list with the 23rd update, screen new and existing accounts, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8487&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/308",
   "title": "Revised FSWM Norms for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-308/",
   "products": [],
   "summary": "RBI has tightened FSWM classification for UCBs: minimum 10% CRAR, gross NPAs under 7%, net NPAs under 3%, no CRR/SLR default, three years continuous net profit, sound internal controls with at least two professional directors, and regulatory comfort.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8486&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/307",
   "title": "Share Linking to Borrowing Norms for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-307/",
   "products": [],
   "summary": "RBI reiterates that UCBs must enforce share linking to borrowing at 2.5% for secured and 5% for unsecured loans, with individual shareholding capped at 5% of paid-up capital. Exemption applies only to UCBs maintaining 12% CRAR continuously.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8485&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/306",
   "title": "XOS Submission Goes Online Bank-Wide from Dec 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-306/",
   "products": [],
   "summary": "From half-year ending December 2013, banks must submit Export Outstanding Statement (XOS) online at bank level, not branch-wise. A nodal branch will upload consolidated data directly to RBI server using allotted credentials.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8484&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/305",
   "title": "UAPA Section 51-A: Update Al-Qaida Sanctions List for RRBs/StCBs/CCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-305/",
   "products": [],
   "summary": "RBI directs RRBs, StCBs, and CCBs to update the Al-Qaida sanctions list with the 23rd update regarding deletions. Before opening accounts, verify names against the list; also scan existing accounts. Follow UAPA procedures for freezing assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8483&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:07 IST",
   "published_at_iso": "2026-06-19T17:07:00+05:30"
  },
  {
   "ref": "RBI/2013-14/329",
   "title": "SDS 1975 Interest Rate Revised to 8.7% from April 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-329/",
   "products": [],
   "summary": "RBI notified a revision in the interest rate on Special Deposit Scheme (SDS) 1975 deposits for non-government provident, superannuation, and gratuity funds to 8.7% per annum, effective April 1, 2013, as per Ministry of Finance notification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8516&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/327",
   "title": "IT Resource Sharing Guidelines for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-327/",
   "products": [],
   "summary": "RBI has issued guidelines on sharing IT resources among banks to optimize costs while ensuring security, data integrity, and confidentiality. Urban Co-operative Banks must follow these guidelines when opting for shared IT resources and ensure RBI audit access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8515&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/326",
   "title": "SME Rating Agency renamed SMERA Ratings Limited",
   "url": "https://bankpulse.ai/c/rbi-2013-14-326/",
   "products": [],
   "summary": "RBI notifies that SME Rating Agency of India Ltd. is now SMERA Ratings Limited. Banks must use the new name for capital adequacy risk weighting. Rating symbols remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8510&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/325",
   "title": "One-Time Closure of Old Export Bills in XOS Statements",
   "url": "https://bankpulse.ai/c/rbi-2013-14-325/",
   "products": [],
   "summary": "RBI allows AD banks to close old outstanding export bills (beyond 15 years up to USD 1 lakh, or beyond 5 years up to USD 50,000 with untraceable customers) as a one-time measure, provided no pending legal issues or enforcement agency notices exist.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8509&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/324",
   "title": "New RTGS System Launch and ISO 20022 Migration",
   "url": "https://bankpulse.ai/c/rbi-2013-14-324/",
   "products": [],
   "summary": "RBI launches new RTGS system on October 19, 2013, adopting ISO 20022 messaging. Old RTGS regulations and guidelines from 2004 are replaced. All RTGS members must ensure participation in the new system.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8508&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/323",
   "title": "RBI Eases Overseas Borrowing Norms for AD Category-I Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-323/",
   "products": [],
   "summary": "RBI has amended FEMA regulations to allow AD Category-I banks to borrow from overseas entities up to 100% of unimpaired Tier I capital or USD 10 million (whichever is higher), effective October 1, 2013. This replaces the earlier restriction to only Head Office, branches, and correspondents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8507&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/322",
   "title": "RBI Allows CIT Entities for Banknote Distribution",
   "url": "https://bankpulse.ai/c/rbi-2013-14-322/",
   "products": [],
   "summary": "RBI advises banks to explore using Cash-in-Transit (CIT) entities for distributing banknotes and coins, alongside Business Correspondents, to improve last-mile connectivity and meet growing currency demand.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8505&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/321",
   "title": "RBI eases unsecured loan norms for UCBs up to ₹10,000",
   "url": "https://bankpulse.ai/c/rbi-2013-14-321/",
   "products": [],
   "summary": "RBI now exempts UCBs' unsecured loans up to ₹10,000 per account from the 10% total assets ceiling, provided they meet CRAR of 9%, NPAs below 10%, and productive end-use. Such loans cannot exceed 15% of total assets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8504&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/320",
   "title": "RBI Bans Upfront Housing Loan Disbursals for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-320/",
   "products": [],
   "summary": "RBI has prohibited StCBs and CCBs from making upfront disbursal of housing loans for under-construction projects. Disbursals must now be linked to construction stages to curb risks like fund diversion and borrower credit score damage.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8503&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/319",
   "title": "RBI Introduces Term Repo Auctions Under LAF",
   "url": "https://bankpulse.ai/c/rbi-2013-14-319/",
   "products": [],
   "summary": "RBI will auction 7-day and 14-day term repos for up to 0.25% of banking system NDTL via variable rate auctions, starting October 11, 2013. This adds a new liquidity tool for banks beyond daily LAF and MSF.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8501&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/317",
   "title": "Bank Rate Cut by 50 bps to 9.0% for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-317/",
   "products": [],
   "summary": "RBI cut the Bank Rate by 50 bps to 9.0% effective October 7, 2013. This directly lowers penal interest rates on reserve shortfalls for RRBs and cooperative banks, reducing their cost of compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8500&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/316",
   "title": "Bank Rate Cut to 9.0% for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-316/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 50 bps to 9.0% effective October 7, 2013. Penal interest on reserve shortfalls and SSI refinance rates are revised accordingly. Urban cooperative banks must update their systems and loan pricing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8499&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 17:01 IST",
   "published_at_iso": "2026-06-19T17:01:00+05:30"
  },
  {
   "ref": "RBI/2013-14/340",
   "title": "MSF Rate Cut by 25 bps to 8.75%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-340/",
   "products": [],
   "summary": "RBI reduced the Marginal Standing Facility rate by 25 basis points to 8.75%, effective immediately. This recalibrates MSF to 100 bps above the repo rate, easing short-term borrowing costs for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8534&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/339",
   "title": "Repo Rate Hiked 25 bps to 7.75% in Oct 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-339/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 7.75% effective immediately, as announced in the Second Quarter Review of Monetary Policy 2013-14. The reverse repo rate automatically adjusted to 6.75%. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8533&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/337",
   "title": "RBI allowed e-KYC via Aadhaar for payment system operators (2013 circular)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-337/",
   "products": [],
   "summary": "RBI permitted payment system operators to use UIDAI's e-KYC service for paperless KYC verification. Biometric authentication data (name, age, gender, photo) qualifies as an Officially Valid Document under PMLA rules, reducing fraud risk and enabling digital onboarding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8526&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/336",
   "title": "RBI Mandates Authorization for UCB Specialized Branches",
   "url": "https://bankpulse.ai/c/rbi-2013-14-336/",
   "products": [],
   "summary": "UCBs must seek RBI authorization under Section 23 of the B.R. Act, 1949 (AACS) to open specialized branches like Central Processing Centres. Only scheduled FSWM UCBs meeting assessed financial parameters and CBS compliance are eligible. Branches must be fully computerized, within the area of operati",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8525&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/335",
   "title": "RRBs: Guidelines for Sharing IT Resources",
   "url": "https://bankpulse.ai/c/rbi-2013-14-335/",
   "products": [],
   "summary": "RBI has issued guidelines for Regional Rural Banks (RRBs) on sharing IT resources to optimize costs while ensuring security and efficiency. RRBs must have strong IT governance, board-level approvals, and agreements with service providers that allow RBI/NABARD audit access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8524&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/334",
   "title": "Banking Law Amendments Act 2012: Private Sector Banks Must Update MoA/AoA",
   "url": "https://bankpulse.ai/c/rbi-2013-14-334/",
   "products": [],
   "summary": "RBI mandates private sector banks to amend their MoA and AoA to comply with the Banking Law Amendments Act 2012, overriding any contrary clauses. Banks must update governing documents and inform RBI's Department of Banking Operations (PSBD).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8523&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/333",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.83.819978",
   "url": "https://bankpulse.ai/c/rbi-2013-14-333/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.83.819978 effective October 17, 2013, from the previous Rs.86.903352. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8521&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/332",
   "title": "UCBs: At-par cheque facility usage tightened",
   "url": "https://bankpulse.ai/c/rbi-2013-14-332/",
   "products": [],
   "summary": "RBI restricts Urban Co-operative Banks from using at-par cheque facilities for walk-in customers beyond ₹50,000 per individual and mandates KYC compliance for account holders. Banks must maintain records and cross all such cheques 'account payee'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8520&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/331",
   "title": "Uttarakhand Disaster: Simplified Claim Settlement for Missing Persons",
   "url": "https://bankpulse.ai/c/rbi-2013-14-331/",
   "products": [],
   "summary": "Banks must settle claims for missing persons in the 2013 Uttarakhand disaster using only the MHA-issued death certificate and an indemnity letter, without extra documentation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8519&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/330",
   "title": "RBI Eases Branch Opening Rules: No Prior Approval Needed",
   "url": "https://bankpulse.ai/c/rbi-2013-14-330/",
   "products": [],
   "summary": "RBI now allows domestic scheduled commercial banks (excluding RRBs) to open branches in Tier 1 to Tier 6 centres without prior approval, subject to reporting. Banks must open at least 25% of new branches (excluding incentive-based Tier 1 branches) in unbanked rural centres (Tier 5 and 6) annually.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8518&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/328",
   "title": "ACU Mechanism Now Only for Goods & Services Trade",
   "url": "https://bankpulse.ai/c/rbi-2013-14-328/",
   "products": [],
   "summary": "RBI restricts ACU payments to export/import of goods and services only, removing other current account transactions. AD Category-I banks must update procedures and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8517&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:52 IST",
   "published_at_iso": "2026-06-19T16:52:00+05:30"
  },
  {
   "ref": "RBI/2013-14/354",
   "title": "Exim Bank's USD 47 mn Line of Credit to Mozambique for Housing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-354/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 47 million Line of Credit to Mozambique for constructing 1,200 houses. At least 65% of goods/services must be sourced from India. Banks must facilitate LCs, remittances, and GR/SDF filings per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8547&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/352",
   "title": "Exim Bank's USD 19.72 mn Line of Credit to Mozambique",
   "url": "https://bankpulse.ai/c/rbi-2013-14-352/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 19.72 million Line of Credit to Mozambique for a rural drinking water project. At least 75% of contract value must be sourced from India. Banks must advise exporters and follow FEMA directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8546&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/351",
   "title": "MSF Window Timings Shifted to Evening Slot",
   "url": "https://bankpulse.ai/c/rbi-2013-14-351/",
   "products": [],
   "summary": "RBI has moved the Marginal Standing Facility (MSF) window to 7:00 PM–7:30 PM from the earlier 4:45 PM–5:15 PM, effective November 5, 2013. All other MSF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8545&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/350",
   "title": "RRB Claim Settlement for Uttarakhand Disaster Missing Persons",
   "url": "https://bankpulse.ai/c/rbi-2013-14-350/",
   "products": [],
   "summary": "RRBs must settle claims for missing persons in the June 2013 Uttarakhand disaster using only the MHA-issued death certificate and a letter of indemnity, without extra documentation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8544&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/349",
   "title": "UCBs: Settle Uttarakhand disaster missing persons' claims with death certificate only",
   "url": "https://bankpulse.ai/c/rbi-2013-14-349/",
   "products": [],
   "summary": "RBI directs Urban Co-operative Banks to settle claims of persons missing in the June 2013 Uttarakhand disaster using only the death certificate issued under MHA circular and a letter of indemnity, without additional documentation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8543&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/348",
   "title": "Bank Rate Cut to 8.75%: Impact on RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-348/",
   "products": [],
   "summary": "RBI cut the Bank Rate by 25 bps to 8.75% effective October 29, 2013. This directly lowers penal interest rates on reserve shortfalls for RRBs and co-operative banks, reducing their cost of non-compliance with CRR/SLR requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8542&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/347",
   "title": "Settlement of Claims for Missing Persons in Uttarakhand Disaster",
   "url": "https://bankpulse.ai/c/rbi-2013-14-347/",
   "products": [],
   "summary": "RBI directs StCBs/CCBs to settle claims for missing persons in the 2013 Uttarakhand disaster using only the MHA-issued death certificate and a letter of indemnity, easing documentation requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8541&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/346",
   "title": "Bank Rate Cut to 8.75%: Impact on UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-346/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 bps to 8.75% effective October 29, 2013. This lowers penal interest rates on reserve shortfalls and SSI refinance rate for Primary Urban Co-operative Banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8540&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/345",
   "title": "Bank Rate Cut by 25 bps to 8.75% from Oct 29, 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-345/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 basis points to 8.75% effective October 29, 2013, as part of the Second Quarter Review of Monetary Policy. Penal interest rates on reserve shortfalls linked to Bank Rate also dropped accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8539&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/344",
   "title": "RBI tightens 'at par' cheque usage for RRBs and cooperative banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-344/",
   "products": [],
   "summary": "RBI restricts RRBs and cooperative banks from using 'at par' cheques for walk-in customers over ₹50,000 and mandates KYC compliance, record-keeping, and 'account payee' crossing to curb money laundering risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8538&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/343",
   "title": "Repo Rate Hiked to 7.75%: Standing Liquidity Facilities Costlier",
   "url": "https://bankpulse.ai/c/rbi-2013-14-343/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 7.75% effective October 29, 2013. Consequently, standing liquidity facilities for banks (Export Credit Refinance) and Primary Dealers will now be priced at the new repo rate, increasing borrowing costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8537&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/342",
   "title": "RBI Tightens Due Diligence on Correspondent Banking with Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-342/",
   "products": [],
   "summary": "RBI mandates commercial banks to treat 'at par' cheque facilities for cooperative banks as correspondent banking arrangements, requiring enhanced due diligence, risk assessment, and the right to verify KYC/AML compliance records.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8536&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:44 IST",
   "published_at_iso": "2026-06-19T16:44:00+05:30"
  },
  {
   "ref": "RBI/2013-14/366",
   "title": "FDI in Financial Sector: NoC Waived for Share Transfers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-366/",
   "products": [],
   "summary": "RBI has waived the requirement to file No Objection Certificates (NoCs) from financial sector regulators along with form FC-TRS for share transfers in financial services companies. However, any 'fit and proper' or due diligence conditions set by the sector regulator still apply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8561&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/365",
   "title": "Rough Diamond Import: Mining Company Name Changes",
   "url": "https://bankpulse.ai/c/rbi-2013-14-365/",
   "products": [],
   "summary": "RBI updates the list of approved mining companies for advance remittance imports of rough diamonds. Two company names are changed: De Beers UK Ltd to De Beers Global Sightholder Sales Proprietary Ltd, and BHP Billiton, Belgium to Dominion Diamond Marketing. All other conditions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8560&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/364",
   "title": "RBI Allows Third Party Payments for Export/Import",
   "url": "https://bankpulse.ai/c/rbi-2013-14-364/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to process export payments from third parties and import payments to third parties, subject to conditions like tripartite agreements, FATF compliance, and a USD 100,000 cap on imports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8559&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/363",
   "title": "Unlisted Indian Firms Can Now Raise Capital Abroad Without Domestic Listing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-363/",
   "products": [],
   "summary": "RBI now allows unlisted Indian companies to raise capital abroad via ADRs/GDRs without prior or simultaneous domestic listing, initially for two years. Funds must be used overseas or repatriated within 15 days and parked with AD Category-I banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8558&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/362",
   "title": "UAPA Sanctions List Update: Q3 2013 Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-362/",
   "products": [],
   "summary": "RBI mandates banks to update UNSCR 1267/1989 Al Qaida sanctions list with Q3 2013 changes. All new and existing accounts must be screened against the updated list, and any matches must be frozen per UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8557&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/361",
   "title": "RBI Directs Banks to Issue TDS Certificates on Time",
   "url": "https://bankpulse.ai/c/rbi-2013-14-361/",
   "products": [],
   "summary": "RBI has instructed all scheduled commercial banks (excluding RRBs) to issue TDS Certificate Form 16A to customers within the timeline set by Income Tax Rules, to avoid delays that hinder tax filing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8556&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/359",
   "title": "NBFCs must shift from PDCs to ECS debit mandates",
   "url": "https://bankpulse.ai/c/rbi-2013-14-359/",
   "products": [],
   "summary": "RBI directs all NBFCs to stop accepting fresh post-dated or EMI cheques in locations with ECS/RECS debit facility, and convert existing ones to ECS mandates by December 31, 2013. Only CTS-2010 compliant cheques allowed where ECS is unavailable.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8555&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/360",
   "title": "Lead Bank Responsibility for New Agar-Malwa District",
   "url": "https://bankpulse.ai/c/rbi-2013-14-360/",
   "products": [],
   "summary": "RBI assigns Bank of India as lead bank for the newly formed Agar-Malwa district in Madhya Pradesh, effective August 16, 2013. No changes to other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8554&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/358",
   "title": "Lead Bank Responsibility for 7 New Gujarat Districts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-358/",
   "products": [],
   "summary": "RBI assigned lead bank responsibility for seven new Gujarat districts to Dena Bank, Bank of Baroda, and State Bank of India, with new district working codes for BSR reporting. Existing lead bank roles for other districts remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8553&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/356",
   "title": "FDI: RBI defines 'group company' for FEMA compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-356/",
   "products": [],
   "summary": "RBI has formally defined 'group company' under FEMA as enterprises where one holds 26%+ voting rights or appoints >50% of board directors. This clarifies FDI eligibility and compliance for AD banks processing investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8551&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/355",
   "title": "UCBs: BSBDA FAQs – No Minimum Balance, One Per Customer",
   "url": "https://bankpulse.ai/c/rbi-2013-14-355/",
   "products": [],
   "summary": "RBI clarifies that Basic Savings Bank Deposit Accounts (BSBDA) replace no-frills accounts, require zero minimum balance and no charges, and allow only one per customer per bank. No age or income restrictions apply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8549&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/353",
   "title": "Exim Bank's $149.72 mn Line of Credit to Mozambique",
   "url": "https://bankpulse.ai/c/rbi-2013-14-353/",
   "products": [],
   "summary": "RBI notified AD Category-I banks about Exim Bank's USD 149.72 million Line of Credit to Mozambique for road rehabilitation. At least 75% of contract value must be sourced from India. Disbursement timelines vary by contract type.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8548&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:36 IST",
   "published_at_iso": "2026-06-19T16:36:00+05:30"
  },
  {
   "ref": "RBI/2013-14/378",
   "title": "Infrastructure Lending Definition Updated: Hotels & Convention Centres Added",
   "url": "https://bankpulse.ai/c/rbi-2013-14-378/",
   "products": [],
   "summary": "RBI expanded infrastructure lending to include hotels costing over Rs 200 crore and convention centres over Rs 300 crore, aligning with the government's updated master list. This allows banks to classify such loans as 'infrastructure lending' from the circular date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8591&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/377",
   "title": "RBI Extends Concessional Swap Window for AD Banks' Foreign Borrowings",
   "url": "https://bankpulse.ai/c/rbi-2013-14-377/",
   "products": [],
   "summary": "RBI allows AD Category-I banks with firm loan commitments from international/multilateral institutions by Nov 30, 2013, to enter forward-forward swaps for delivery up to Dec 31, 2013, under the concessional swap scheme. Non-delivery incurs a penalty of 100 bps over market swap rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8585&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/376",
   "title": "UCBs: Speed Up Recovery of Undue ADWDRS Benefits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-376/",
   "products": [],
   "summary": "RBI has flagged slow recovery of undue benefits under the Agricultural Debt Waiver & Debt Relief Scheme 2008 by Urban Co-operative Banks. Banks must refund identified amounts to RBI by December 20, 2013, covering ineligible borrowers, excess benefits, and wrongful charges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8583&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/375",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.86.51",
   "url": "https://bankpulse.ai/c/rbi-2013-14-375/",
   "products": [],
   "summary": "RBI has revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.86.513657, effective November 18, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8582&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/374",
   "title": "Trade Credit Reporting Moves to XBRL Platform",
   "url": "https://bankpulse.ai/c/rbi-2013-14-374/",
   "products": [],
   "summary": "RBI has mandated that all AD Category-I banks must report data on guarantees, LoUs, and LoCs for import trade credits exclusively via the XBRL platform from the quarter ended September 30, 2013, replacing manual and email submissions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8581&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/373",
   "title": "NRLM Interest Subvention Scheme for SHG Credit",
   "url": "https://bankpulse.ai/c/rbi-2013-14-373/",
   "products": [],
   "summary": "RBI directs public sector banks to follow detailed guidelines for the Interest Subvention Scheme under NRLM for SHG credit in 2013-14, as per Ministry of Rural Development.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8580&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/372",
   "title": "RBI eases cash handling rules for White Label ATMs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-372/",
   "products": [],
   "summary": "RBI has withdrawn the restriction that WLAOs or their agents cannot access cash at WLAs, allowing them to handle cash directly, provided cash is sourced only from the sponsor bank to ensure note quality.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8574&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/371",
   "title": "UCBs Allowed as PAN Service Agents via UTIITSL Tie-up",
   "url": "https://bankpulse.ai/c/rbi-2013-14-371/",
   "products": [],
   "summary": "RBI permits only financially sound and well-managed Primary (Urban) Co-operative Banks to act as PAN Service Agents by tying up with UTIITSL, subject to prior regulatory approval. Banks must ensure timely, accurate application processing to avoid penalties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8573&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/370",
   "title": "CRGFTLIH Guaranteed Housing Loans: Zero Risk Weight & No NPA Provisioning",
   "url": "https://bankpulse.ai/c/rbi-2013-14-370/",
   "products": [],
   "summary": "RBI allows Urban Co-operative Banks to assign zero risk weight to the guaranteed portion of housing loans backed by CRGFTLIH. For the non-guaranteed portion, standard risk weights apply. If such loans turn NPA, no provisioning is needed for the guaranteed part; only the excess requires provisioning ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8572&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/369",
   "title": "NBFCs Must Register Equitable Mortgages with CERSAI",
   "url": "https://bankpulse.ai/c/rbi-2013-14-369/",
   "products": [],
   "summary": "RBI mandates all NBFCs to file records of equitable mortgages created on or after March 31, 2011, with CERSAI. This ensures public availability of security interest details, helping prevent fraud and multiple financing against the same property.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8571&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/368",
   "title": "FIIs, QFIs, Long-Term Investors Can Now Buy Credit Enhanced Bonds",
   "url": "https://bankpulse.ai/c/rbi-2013-14-368/",
   "products": [],
   "summary": "RBI allows SEBI-registered FIIs, QFIs, and long-term investors to invest in credit enhanced bonds up to USD 5 billion, within the USD 51 billion corporate debt limit. This expands foreign participation in structured debt instruments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8563&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/367",
   "title": "Gold Import Rules: AA/DFIA Clarifications for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-367/",
   "products": [],
   "summary": "RBI clarifies that Advance Authorisation (AA) and Duty Free Import Authorisation (DFIA) for gold must be used solely for exports, with no domestic diversion. For authorisations issued before August 14, 2013, the sequencing condition (imports before exports) is waived. SEZ, EoU, and trading houses ca",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8562&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:27 IST",
   "published_at_iso": "2026-06-19T16:27:00+05:30"
  },
  {
   "ref": "RBI/2013-14/402",
   "title": "RBI Introduces Cash-Settled 10-Year IRF, Revises 2009 Directions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-402/",
   "products": [],
   "summary": "RBI has introduced cash-settled Interest Rate Futures on the 10-year Government of India security, superseding the 2009 IRF Directions. The new framework permits trading on 91-day T-bills, 2/5/10-year notional G-secs, and coupon-bearing G-secs; allows persons resident in India to trade for hedging o",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8621&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/390",
   "title": "RBI Updates Stress Testing Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-390/",
   "products": [],
   "summary": "RBI has updated stress testing guidelines effective April 1, 2014, requiring all scheduled commercial banks (excluding RRBs) to conduct prescribed stress tests and survive at least baseline shocks, with sophistication aligned to business complexity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8605&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/389",
   "title": "Revised General Credit Card (GCC) Scheme 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-389/",
   "products": [],
   "summary": "RBI revised the GCC scheme to boost non-farm entrepreneurial credit to individuals. Banks must report all such credit under GCC in FIPs, excluding consumption loans. No loan ceiling applies if priority sector norms are met. Existing credit cards for entrepreneurs must be included.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8603&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/388",
   "title": "FCNR(B) Deposit Rate Ceiling Extended to Jan 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-388/",
   "products": [],
   "summary": "RBI has extended the existing interest rate ceiling on FCNR(B) deposits unchanged until January 31, 2014. The earlier deadline was November 30, 2013. Banks must continue to apply the same rate caps for these foreign currency deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8602&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/387",
   "title": "NRE Deposit Rate Deregulation Extended to Jan 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-387/",
   "products": [],
   "summary": "RBI extends the freedom for banks to set interest rates on incremental NRE deposits of 3 years and above without any ceiling, originally valid till Nov 30, 2013, now unchanged till Jan 31, 2014, subject to review.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8601&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/386",
   "title": "RBI Expands Infrastructure Lending Definition for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-386/",
   "products": [],
   "summary": "RBI has updated the infrastructure lending definition for NBFCs, adding hotels (project cost >₹200 crore) and convention centres (>₹300 crore) to the eligible sub-sectors list, effective immediately from November 29, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8600&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/385",
   "title": "RBI Allows Shorter Interest Payment Intervals on Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-385/",
   "products": [],
   "summary": "RBI now permits banks to pay interest on rupee savings and term deposits at intervals shorter than quarterly, replacing the earlier quarterly-or-longer rule. This applies to domestic, NRO, and NRE accounts, but not FCNR(B) deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8598&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/384",
   "title": "FATF AML/CFT Compliance Update – Oct 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-384/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's updated October 2013 statement on AML/CFT compliance gaps in certain jurisdictions. This does not block legitimate trade with those countries but requires heightened awareness.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8597&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/383",
   "title": "NBFCs: RBI Allows Case-by-Case Relaxation of 50% Group Cap in Insurance JVs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-383/",
   "products": [],
   "summary": "RBI will now consider relaxing the 50% group equity cap for NBFCs in insurance JVs on a case-by-case basis when IRDA mandates capital infusion. This addresses solvency constraints while keeping regulatory conditions intact.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8596&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/382",
   "title": "RBI mandates 9% minimum CRAR for RRBs from March 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-382/",
   "products": [],
   "summary": "RBI has directed all Regional Rural Banks to achieve and maintain a minimum Capital to Risk-weighted Assets Ratio (CRAR) of 9% on an ongoing basis, effective March 31, 2014, following consolidation and recapitalization efforts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8595&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/381",
   "title": "RBI Mandates Actual-Usage-Based SMS Alert Charges",
   "url": "https://bankpulse.ai/c/rbi-2013-14-381/",
   "products": [],
   "summary": "RBI advises all scheduled commercial banks (excluding RRBs) to charge customers for SMS alerts on actual usage basis, leveraging available technology, to ensure reasonableness and equity in fees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8594&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/379",
   "title": "Priority Sector Lending: Medium Enterprises & MSME Loan Limits Expanded",
   "url": "https://bankpulse.ai/c/rbi-2013-14-379/",
   "products": [],
   "summary": "RBI now classifies incremental bank loans to medium manufacturing enterprises (post-Nov 13, 2013) as priority sector advances. For service enterprises, the credit limit for priority sector classification is raised to Rs.10 crore for both medium and micro/small units. This dispensation is valid until",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8592&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:20 IST",
   "published_at_iso": "2026-06-19T16:20:00+05:30"
  },
  {
   "ref": "RBI/2013-14/403",
   "title": "RBI Advises UCBs to Levy SMS Alert Charges on Actual Usage Basis",
   "url": "https://bankpulse.ai/c/rbi-2013-14-403/",
   "products": [],
   "summary": "RBI advises Urban Co-operative Banks to charge SMS alerts on actual usage basis only, ensuring fairness and equity. No flat fees allowed. Banks must leverage existing technology to implement this as per circular dated December 6, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8622&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/401",
   "title": "UCBs Must Issue TDS Certificates on Time",
   "url": "https://bankpulse.ai/c/rbi-2013-14-401/",
   "products": [],
   "summary": "RBI directs urban co-operative banks to issue Form 16A TDS certificates to customers within the Income Tax Rules timeline, citing customer inconvenience from delays.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8620&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/400",
   "title": "CCIL Reporting for OTC FX and IR Derivatives Expanded",
   "url": "https://bankpulse.ai/c/rbi-2013-14-400/",
   "products": [],
   "summary": "From Dec 30, 2013, all Category-I AD banks and PDs must report interbank and client OTC currency swaps, FCY FRA/IRS, and client INR FRA/IRS on the CCIL platform. Client currency swap and FCY FRA/IRS trades above USD 1 million threshold must be reported; INR FRA/IRS trades have no threshold.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8619&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/399",
   "title": "UAPA Section 51-A: Update UN Al Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2013-14-399/",
   "products": [],
   "summary": "RBI mandates banks to update and screen customers against the latest UN Al Qaida sanctions list under UAPA, 1967. New accounts must be checked, existing accounts scanned, and funds frozen per earlier procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8618&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/398",
   "title": "Interest Subvention Scheme 2013-14 for Crop Loans",
   "url": "https://bankpulse.ai/c/rbi-2013-14-398/",
   "products": [],
   "summary": "Banks offering short-term crop loans up to Rs.3 lakh at 7% p.a. to farmers can claim 2% interest subvention from the Government of India via RBI. Prompt-paying farmers get an additional 3% subvention, reducing their rate to 4% p.a. Claims must be submitted half-yearly with auditor certification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8617&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/397",
   "title": "ECB for Holding Companies/CICs for Infrastructure SPVs (2013)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-397/",
   "products": [],
   "summary": "RBI permitted Holding Companies and Core Investment Companies to raise ECB for infrastructure SPVs. Proceeds can fund fresh capex (automatic/approval route) or refinance existing rupee loans (approval route). CICs must ensure outside liabilities including ECB do not exceed 2.5 times adjusted net wor",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8616&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/396",
   "title": "FCNR(B) Deposit Rate Ceiling Extended to Jan 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-396/",
   "products": [],
   "summary": "RBI extends the existing interest rate ceiling on FCNR(B) deposits for AD Category-1 UCBs until January 31, 2014, without any change. The earlier deadline of November 30, 2013, is now superseded.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8615&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/395",
   "title": "NRE Deposit Rate Deregulation Extended for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-395/",
   "products": [],
   "summary": "RBI extends the freedom for Urban Co-operative Banks to set interest rates on incremental NRE deposits of 3 years and above without ceiling until January 31, 2014, continuing the CRR/SLR exemption benefit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8614&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/394",
   "title": "NRE Deposit Rate Deregulation Extended for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-394/",
   "products": [],
   "summary": "RBI extends the freedom for State and Central Co-operative Banks to set interest rates on incremental NRE deposits of 3 years and above without any ceiling, now valid until January 31, 2014, subject to review.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8613&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/393",
   "title": "RRBs: Option for Shorter Interest Payment Intervals on Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-393/",
   "products": [],
   "summary": "RBI now allows RRBs to pay interest on rupee savings and term deposits at intervals shorter than quarterly, aligning with core banking capabilities. This replaces the earlier quarterly-or-longer requirement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8612&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/392",
   "title": "NRE Deposit Rate Deregulation Extended for RRBs till Jan 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-392/",
   "products": [],
   "summary": "RBI extends the freedom for Regional Rural Banks to offer uncapped interest rates on incremental NRE deposits of 3 years and above until January 31, 2014, maintaining the CRR/SLR exemption benefit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8611&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/391",
   "title": "FCNR(B) Deposit Rate Ceiling Extended for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-391/",
   "products": [],
   "summary": "RBI extends the existing FCNR(B) deposit interest rate ceiling for Regional Rural Banks unchanged until January 31, 2014. The earlier deadline of November 30, 2013 is now superseded. No change in the prescribed rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8610&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:15 IST",
   "published_at_iso": "2026-06-19T16:15:00+05:30"
  },
  {
   "ref": "RBI/2013-14/415",
   "title": "SDS 1975 Interest Payment for CY 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-415/",
   "products": [],
   "summary": "RBI directs banks to pay SDS 1975 account holders interest at 8.8% for Jan-Mar 2013 and 8.7% for Apr-Dec 2013, disbursed on Jan 1, 2014 via ECS/NEFT/RTGS or cheques.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8641&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/414",
   "title": "RBI Clarifies NPA Norms for Credit Card Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-414/",
   "products": [],
   "summary": "RBI mandates that credit card accounts become NPAs if the minimum amount due is unpaid within 90 days from the next statement date, ensuring uniform asset classification across banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8640&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/413",
   "title": "RTGS ISO 20022 Deadline Extended to March 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-413/",
   "products": [],
   "summary": "RBI has extended the deadline for RTGS members to fully adopt ISO 20022 messaging without conversion from older 'R' series formats to March 31, 2014. No further extensions will be granted, so banks must complete CBS modifications by then.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8639&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/412",
   "title": "DTL on Special Reserve under Section 36(1)(viii) of IT Act",
   "url": "https://bankpulse.ai/c/rbi-2013-14-412/",
   "products": [],
   "summary": "RBI mandates banks to create deferred tax liability (DTL) on Special Reserve under Section 36(1)(viii) of the Income Tax Act, regardless of intent to not withdraw. This ensures prudent accounting and allows full Special Reserve to count for Tier-I capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8638&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/410",
   "title": "RBI Clarifies Bank Participation in Exchange Traded Interest Rate Futures",
   "url": "https://bankpulse.ai/c/rbi-2013-14-410/",
   "products": [],
   "summary": "RBI confirms commercial banks and standalone primary dealers can trade IRFs for hedging and trading, but not for clients. The December 2013 IRF directions supersede the 2009 directions; this clarification aligns participation with 2008 and 2009 circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8636&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/409",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.83.56",
   "url": "https://bankpulse.ai/c/rbi-2013-14-409/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.83.564155, effective December 12, 2013. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8630&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/405",
   "title": "Exim Bank's $30.94 mn Line of Credit to Laos",
   "url": "https://bankpulse.ai/c/rbi-2013-14-405/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 30.94 million Line of Credit to Laos for irrigation and storage dam projects. At least 75% of contract value must be sourced from India. Banks must facilitate GR/SDF declarations and handle commission remittances per existing rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8629&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/408",
   "title": "UAPA Compliance: Update Al-Qaida Sanctions List for Q3 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-408/",
   "products": [],
   "summary": "RBI directs RRBs and cooperative banks to update the UN Al-Qaida sanctions list with Q3 2013 amendments, screen new and existing accounts against it, and follow UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8628&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/407",
   "title": "FATF AML/CFT Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-407/",
   "products": [],
   "summary": "RBI directs RRBs and co-op banks to consider FATF's October 2013 update on high-risk jurisdictions. Banks must review AML/CFT risks but legitimate trade with those countries remains allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8627&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/406",
   "title": "Novation of OTC Derivative Contracts: Operational Guidance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-406/",
   "products": [],
   "summary": "RBI clarifies novation rules for OTC derivatives: a tripartite agreement replaces a counterparty with a new one, transferring all rights and obligations. MTM cash flows must be exchanged upfront between transferor and transferee, with no impact on the remaining party. Minimum holding periods apply b",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8626&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/357",
   "title": "Chhattisgarh Rajya Sahakari Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2013-14-357/",
   "products": [],
   "summary": "RBI has included Chhattisgarh Rajya Sahakari Bank Maryadit, Raipur in the Second Schedule to the RBI Act, 1934, effective from September 16, 2013. This grants it scheduled bank status, enhancing its regulatory standing and access to central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8624&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/404",
   "title": "UCBs Must Update Al-Qaida Sanctions List for Q3 2013",
   "url": "https://bankpulse.ai/c/rbi-2013-14-404/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to update their records with the latest Al-Qaida sanctions list amendments from July-September 2013, screen new and existing accounts, and comply with UAPA freezing procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8623&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 16:05 IST",
   "published_at_iso": "2026-06-19T16:05:00+05:30"
  },
  {
   "ref": "RBI/2013-14/427",
   "title": "RBI eases rollover of overseas guarantees for Indian parties",
   "url": "https://bankpulse.ai/c/rbi-2013-14-427/",
   "products": [],
   "summary": "RBI now allows renewal of existing guarantees for overseas JVs/WOSs without counting as fresh financial commitment, provided no change in terms except validity, and original guarantee was FEMA-compliant. Reporting as fresh commitment in Form ODI still required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8665&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/426",
   "title": "RBI Updates NBFCs on FATF AML/CFT Jurisdiction Risks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-426/",
   "products": [],
   "summary": "RBI directs all NBFCs to review the updated FATF statement on AML/CFT compliance deficiencies in certain jurisdictions. This does not block legitimate trade but requires enhanced awareness of risks from listed countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8664&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/425",
   "title": "CRGFTLIH Guaranteed Loans: Risk Weight & Provisioning Norms for NBFC-MFIs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-425/",
   "products": [],
   "summary": "RBI allows NBFC-MFIs to assign zero risk weight and skip provisioning on the guaranteed portion of low-income housing loans backed by CRGFTLIH. Only the unguaranteed excess follows standard norms. Effective January 1, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8663&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/424",
   "title": "CVA Risk Capital Charge on OTC Derivatives Deferred to April 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-424/",
   "products": [],
   "summary": "RBI has postponed the CVA risk capital charge on OTC derivatives from January 1, 2014 to April 1, 2014, due to delays in mandatory inter-bank forex forward settlement through CCIL. Banks get a three-month reprieve to align systems.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8662&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/423",
   "title": "Gold Dore Import Rules Tightened for Refineries",
   "url": "https://bankpulse.ai/c/rbi-2013-14-423/",
   "products": [],
   "summary": "RBI has issued new norms for gold dore imports by refineries: initial 15% of average viable quantity on FIFO in the first two months, then lot-wise based on export performance, with 80% domestic sale cap and 5x export-linked import limit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8661&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/422",
   "title": "Online Quarterly Statements for SC/RCs",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-422/",
   "products": [],
   "summary": "RBI mandates SC/RCs to file quarterly statements SCRC 1 and SCRC 2 online from Q1 2014, replacing postal submissions. Deadline remains 15 days post-quarter. Option to file Q4 2013 either way.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8660&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/421",
   "title": "PMLA Amendment: Designated Director & Fine Provisions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-421/",
   "products": [],
   "summary": "RBI mandates banks to nominate a Board Director as 'designated director' for PMLA compliance. The amendment empowers the Director to levy fines of ₹10,000 to ₹1 lakh per failure on reporting entities or their directors/employees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8659&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/420",
   "title": "VCES 2013: Extended Banking Hours & E-Payment Deadline on Dec 31",
   "url": "https://bankpulse.ai/c/rbi-2013-14-420/",
   "products": [],
   "summary": "RBI directs agency banks to keep designated branches open until 6 PM on Dec 31, 2013, extend e-payment deadline to midnight, and accept VCES tax dues even if the assessee code is missing from NSDL database.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8658&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/419",
   "title": "Bullet Repayment for Gold Loans Up to Rs 1 Lakh",
   "url": "https://bankpulse.ai/c/rbi-2013-14-419/",
   "products": [],
   "summary": "RBI now permits bullet repayment for non-agriculture gold loans up to Rs 1 lakh, with a 12-month tenure. Interest accrues monthly but is due only at maturity. Loans become NPA if margin is breached, and interest income is recognised only on collection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8657&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/418",
   "title": "IINSS-C 2013 Issue Extended to March 31, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-418/",
   "products": [],
   "summary": "RBI extended the closing date for Inflation Indexed National Savings Securities-Cumulative (IINSS-C) 2013 from December 31, 2013 to March 31, 2014. All other terms remain unchanged. Banks must continue accepting subscriptions until the new deadline or earlier closure by the government.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8652&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/417",
   "title": "Meghalaya: Lead Bank for 4 New Districts Assigned to SBI",
   "url": "https://bankpulse.ai/c/rbi-2013-14-417/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for four newly formed districts in Meghalaya—North Garo Hills, East Jaintia Hills, South West Khasi Hills, and South West Garo Hills—with new district working codes for BSR reporting. No changes to existing lead bank responsibilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8649&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/416",
   "title": "RBI allows rupee bond proceeds for infrastructure lending",
   "url": "https://bankpulse.ai/c/rbi-2013-14-416/",
   "products": [],
   "summary": "RBI now permits Indian entities authorized by the government to use proceeds from tax-free, secured, redeemable, non-convertible rupee bonds issued to non-residents for on-lending to infrastructure or parking in fixed deposits pending use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8648&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:57 IST",
   "published_at_iso": "2026-06-19T15:57:00+05:30"
  },
  {
   "ref": "RBI/2013-14/438",
   "title": "RBI expands Rupee Drawing Arrangement transaction list",
   "url": "https://bankpulse.ai/c/rbi-2013-14-438/",
   "products": [],
   "summary": "RBI has added new permissible transactions under Rupee Drawing Arrangements (RDAs) via Exchange Houses, expanding the scope beyond personal remittances. AD Category-I banks must update their internal guidelines accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8683&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/436",
   "title": "FDI Optionality Clauses: Pricing & Exit Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-436/",
   "products": [],
   "summary": "RBI now allows optionality clauses in FDI equity and compulsorily convertible instruments, enabling exit without assured returns. Minimum lock-in is one year (or sector-specific). Listed exits at market price; unlisted equity exits based on RoE; CCDs/CCPS use internationally accepted pricing. Existi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8682&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/437",
   "title": "NRI Joint Holder in Resident Accounts: Either-or-Survivor Allowed",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-437/",
   "products": [],
   "summary": "RBI now permits AD banks to add NRI close relatives as joint holders in resident accounts on 'Either or Survivor' basis, replacing the earlier 'former or survivor' restriction. The NRI can operate the account for domestic payments on behalf of the resident, but cannot credit own funds or create bene",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8681&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/434",
   "title": "RRBs Must Now Mark SLR Securities to Market from April 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-434/",
   "products": [],
   "summary": "RBI withdraws MTM exemption for RRBs' SLR securities. From April 1, 2014, RRBs must classify investments into HTM, AFS, and HFT categories, with HTM capped at 25% of total investments or up to 24.5% of DTL for SLR securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8678&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/433",
   "title": "Minimum CRAR norms for State and Central Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-433/",
   "products": [],
   "summary": "RBI mandates StCBs/CCBs to achieve a minimum CRAR of 9% by March 31, 2017, with an interim target of 7% by March 31, 2015. Banks can issue Long Term Deposits and Innovative Perpetual Debt Instruments to raise capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8677&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/432",
   "title": "PSOs Must Update UN Sanctions Lists for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-432/",
   "products": [],
   "summary": "RBI mandates all Payment System Operators to update UNSCR 1267 sanctions lists, screen new and existing accounts against them, and freeze assets of designated individuals/entities under UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8676&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/431",
   "title": "RBI Updates AML/CFT Standards for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2013-14-431/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to review FATF's updated October 2013 statement on AML/CFT compliance, emphasizing risks from deficient jurisdictions. Operators must consider this information without restricting legitimate trade.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8675&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/430",
   "title": "Banks' Exposure to Central Counterparties: Interim Norms",
   "url": "https://bankpulse.ai/c/rbi-2013-14-430/",
   "products": [],
   "summary": "RBI has temporarily exempted banks' clearing exposure to Qualifying CCPs (QCCPs) from the 15% single-counterparty exposure limit. This move supports central clearing of OTC derivatives. Banks must report monthly clearing exposures to QCCPs and face potential risk mitigation measures if exposures are",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8674&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62956",
   "title": "RBI Underwriting Auction for ₹32,000 Cr G-Secs on June 19, 2026 (Friday)",
   "url": "https://bankpulse.ai/c/rbi-doc-62956/",
   "products": [],
   "summary": "RBI will conduct a multiple-price underwriting auction on June 19, 2026, for four government securities totaling ₹32,000 crore. Primary Dealers must submit bids via e-Kuber between 9:00-9:30 AM. MUC and ACU minimum bidding commitments per PD are specified for each security.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62956",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/429",
   "title": "ECB Policy: MRO Now Part of Airport Infrastructure",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-429/",
   "products": [],
   "summary": "RBI has expanded the infrastructure sector definition for ECB to include Maintenance, Repairs and Overhaul (MRO) as part of airport infrastructure. This means MRO activities now qualify for easier external borrowing under the infrastructure sub-sector.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8668&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/428",
   "title": "RBI Eases Rules for Bonus Non-Convertible Preference Shares to Non-Residents",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-428/",
   "products": [],
   "summary": "RBI now allows Indian companies to issue non-convertible/redeemable bonus preference shares or debentures to non-resident shareholders from general reserves under a court-approved scheme, subject to income tax no-objection, without needing case-by-case RBI approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8667&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:47 IST",
   "published_at_iso": "2026-06-19T15:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/450",
   "title": "Note Sorting Machine Incentives Extended to Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-450/",
   "products": [],
   "summary": "RBI extends NSM installation cost reimbursement to all licensed State Co-operative Banks and District Central Co-operative Banks, with immediate effect. Earlier scheme covered RRBs and UCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8696&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/449",
   "title": "RBI Clarifies FX Rate for ECB-to-Equity Conversion",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-449/",
   "products": [],
   "summary": "RBI clarifies that for converting foreign-currency liabilities (ECB, royalties, etc.) into equity, the exchange rate on the agreement date applies. The fair value of shares must be based on the conversion date. Companies can also issue shares for a lower rupee amount by mutual consent.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8695&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/448",
   "title": "RBI Tightens Norms for Unhedged Forex Exposure of Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-448/",
   "products": [],
   "summary": "RBI mandates incremental provisioning and capital requirements for bank exposures to entities with unhedged foreign currency exposure (UFCE). Banks must compute UFCE, estimate loss using 10-year worst USD-INR volatility, and compare with EBID to determine additional risk weights and provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8694&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/447",
   "title": "Hong Kong & Macau entities now need RBI nod for India offices",
   "url": "https://bankpulse.ai/c/rbi-2013-14-447/",
   "products": [],
   "summary": "RBI has clarified that entities from Hong Kong and Macau now require prior RBI approval to set up liaison, branch, or project offices in India, extending the same restrictions that apply to citizens of Pakistan, Bangladesh, Sri Lanka, Afghanistan, Iran, and China.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8693&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/446",
   "title": "RBI eases forward contract cancellation and rebooking rules",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-446/",
   "products": [],
   "summary": "RBI now allows free cancellation and rebooking of forward contracts for all current account and capital account transactions with residual maturity up to one year. Earlier, exporters and importers had partial limits; FIIs/QFIs get a 10% rebooking cap on cancelled contracts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8691&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/445",
   "title": "Exim Bank's $125 mn Line of Credit to Sudan for Sugar Project",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-445/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 125 million Line of Credit to Sudan's government for the Mashkour Sugar Project. At least 75% of contract value must be sourced from India. Banks must advise exporters and handle GR/SDF declarations accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8690&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/444",
   "title": "RBI Clarifies Guardianship Certificates for Disabled Account Holders",
   "url": "https://bankpulse.ai/c/rbi-2013-14-444/",
   "products": [],
   "summary": "RBI updated guidelines on accepting guardianship certificates for opening/operating bank accounts for persons with autism, cerebral palsy, mental retardation, or multiple disabilities. Banks must rely on certificates from district courts under the Mental Health Act, 1987, or Local Level Committees u",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8689&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/443",
   "title": "UAPA Compliance: Updated UN Al-Qaida Sanctions List for NBFCs (January 2014)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-443/",
   "products": [],
   "summary": "RBI directs NBFCs to update and screen customers against the updated UN Al-Qaida sanctions list (twentieth to thirtieth updates) under Section 51-A of UAPA, 1967. New accounts must be checked, and existing accounts must be scanned for matches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8688&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/442",
   "title": "DCB Bank Name Change Officially Recorded in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2013-14-442/",
   "products": [],
   "summary": "RBI notified that Development Credit Bank Limited was renamed DCB Bank Limited in the Second Schedule to the RBI Act, effective October 24, 2013. This formalizes the bank's new name for all regulatory and legal purposes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8687&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/441",
   "title": "RRBs/Co-op Banks: Nominate Designated Director for PMLA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-441/",
   "products": [],
   "summary": "RBI mandates RRBs and cooperative banks to nominate a Board Director as 'designated director' to ensure PMLA compliance, following the 2012 amendment that empowers the Director to impose fines of ₹10,000 to ₹1 lakh per failure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8686&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-14/440",
   "title": "FEMA Section 6(4): Clarification on Holding Foreign Assets",
   "url": "https://bankpulse.ai/c/rbi-2013-14-440/",
   "products": [],
   "summary": "RBI clarifies that returning residents can freely use eligible foreign assets (accounts, income, inheritance) for payments or fresh investments abroad without RBI approval, provided funds come solely from those assets and FEMA rules are followed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8685&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/439",
   "title": "Exim Bank's USD 42.61 mn Line of Credit to Benin for Water Supply",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-439/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 42.61 million Line of Credit to Benin for upgrading water supply in 69 villages. At least 75% of contract value must be sourced from India. Disbursement timelines and commission rules are specified.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8684&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:39 IST",
   "published_at_iso": "2026-06-19T15:39:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/462",
   "title": "Exim Bank's USD 19.5 mn Line of Credit to Vietnam",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-462/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 19.50 million Line of Credit to Vietnam for financing two projects. At least 75% of contract value must be sourced from India. Last disbursement dates vary: 48 months for project exports, 72 months for supply contracts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8710&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/461",
   "title": "RBI exempts NBFCs issuing PPIs from Chapter IIIB of RBI Act",
   "url": "https://bankpulse.ai/c/rbi-2013-14-461/",
   "products": [],
   "summary": "RBI exempts non-banking institutions authorised under PSS Act to issue prepaid payment instruments from Chapter IIIB of RBI Act, 1934, for money received for PPIs. This removes dual regulation for NBFCs in payments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8709&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/458",
   "title": "RBI Advises RRBs to Charge SMS Alerts on Actual Usage Basis",
   "url": "https://bankpulse.ai/c/rbi-2013-14-458/",
   "products": [],
   "summary": "RBI directs Regional Rural Banks to charge SMS alerts based on actual usage, not flat fees, ensuring fairness. Banks must leverage technology to implement this and follow principles for reasonable service charges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8708&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/460",
   "title": "RBI eases ARC debt conversion, enforcement, and inter-ARC acquisition rules",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-460/",
   "products": [],
   "summary": "RBI now permits ARCs to convert up to 26% of borrower debt into equity, lowers enforcement consent threshold to 60%, and allows debt acquisition from other ARCs for aggregation, subject to cash settlement and SR redemption conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8707&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/459",
   "title": "RBI Harmonises NBFC Restructuring Norms with Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-459/",
   "products": [],
   "summary": "RBI aligned NBFC restructuring guidelines with bank norms, effective January 23, 2014. Key changes include DCCO extension not counting as restructuring and special asset classification benefits for certain loans, withdrawn from April 1, 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8706&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/457",
   "title": "NEFT Customer Service and Charges Compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-457/",
   "products": [],
   "summary": "RBI warns banks on NEFT compliance gaps: branches mischarge walk-in customers, staff lack awareness of fee caps and service rules. Banks must display charges, train staff, and stop diverting non-account holders to agents charging higher fees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8703&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/456",
   "title": "UCBs: Legal Guardianship Certificates for Disabled Persons' Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-456/",
   "products": [],
   "summary": "RBI clarifies that UCBs can accept guardianship certificates under the Mental Health Act, 1987 (for mentally ill persons, excluding mental retardation) or the National Trust Act, 1999 (for persons with autism, cerebral palsy, mental retardation, or multiple disabilities) for opening/operating accoun",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8702&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/453",
   "title": "RBI Caps Gold Loan LTV at 75% with Standardised Valuation",
   "url": "https://bankpulse.ai/c/rbi-2013-14-453/",
   "products": [],
   "summary": "RBI has capped LTV at 75% for loans against gold jewellery, including bullet repayment loans. Valuation must use the 30-day average of 22-carat gold closing prices from IBJA. Lower purity gold must be proportionately valued. Banks need board-approved policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8701&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/455",
   "title": "KYC/AML Norms: Board Resolution No Longer Needed for Forex with AMCs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-455/",
   "products": [],
   "summary": "RBI has removed the requirement for corporates to submit a Board Resolution and Power of Attorney when dealing with Authorised Money Changers. Instead, a list of authorized officials signed by the MD/CFO will suffice, simplifying KYC/AML compliance for forex transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8700&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/454",
   "title": "FII Remittance Flexibility: Any Bank Allowed for Forex Inflows",
   "url": "https://bankpulse.ai/c/rbi-2013-14-454/",
   "products": [],
   "summary": "RBI clarifies that foreign investors can remit funds through any bank for permitted FEMA transactions, not just their designated custodian bank. Funds must then be transferred to the custodian bank via banking channels, with joint KYC responsibility between remittance-receiving and recipient banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8699&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/452",
   "title": "RBI Revises Merchanting Trade Guidelines for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-452/",
   "products": [],
   "summary": "RBI has simplified merchanting trade rules, effective January 17, 2014. Key changes: 9-month completion period, 4-month forex outlay cap, mandatory same-bank routing, and half-yearly default reporting. AD banks must verify genuineness and ensure one-to-one matching.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8698&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/451",
   "title": "LAF Reverse Repo Window Timing Shifted to Evening",
   "url": "https://bankpulse.ai/c/rbi-2013-14-451/",
   "products": [],
   "summary": "RBI has moved the LAF Reverse Repo window from 4:45-5:15 PM to 7:00-7:30 PM, effective January 20, 2014. This change, based on market feedback, aims to better align with participants' needs. All other terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8697&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:37 IST",
   "published_at_iso": "2026-06-19T15:37:00+05:30"
  },
  {
   "ref": "RBI/2013-14/475",
   "title": "Bank Rate Hiked to 9%: Impact on RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-475/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 25 bps to 9.00% effective January 28, 2014, following the repo rate hike. This directly increases penal interest rates on reserve shortfalls for RRBs and cooperative banks, raising their cost of non-compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8723&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/474",
   "title": "RRB Schedule Inclusion/Exclusion: 5 New, 11 Old Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-474/",
   "products": [],
   "summary": "RBI included 5 amalgamated RRBs in the Second Schedule and excluded 11 erstwhile RRBs, via notifications dated October 22, 2013, published in the Extraordinary Gazette of India on December 5, 2013. This formalizes mergers and updates the list of scheduled banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8722&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/473",
   "title": "RBI doubles sub-limit for long-term foreign investors in govt securities",
   "url": "https://bankpulse.ai/c/rbi-2013-14-473/",
   "products": [],
   "summary": "RBI has doubled the sub-limit for SEBI-registered long-term investors (SWFs, pension funds, etc.) in government dated securities from USD 5 billion to USD 10 billion, effective immediately, within the overall USD 30 billion cap for foreign investment in government securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8721&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/472",
   "title": "Ban on Crediting Account Payee Cheques to Third Parties",
   "url": "https://bankpulse.ai/c/rbi-2013-14-472/",
   "products": [],
   "summary": "RBI reiterates that RRBs, StCBs, and CCBs must not credit 'account payee' cheques to anyone other than the named payee. A limited exception allows crediting up to Rs.50,000 to cooperative credit society customers if the payee is the society's constituent.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8720&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/471",
   "title": "MSF Rate Hiked by 25 bps to 9.00%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-471/",
   "products": [],
   "summary": "RBI raised the Marginal Standing Facility rate by 25 basis points to 9.00%, effective immediately, as part of the Third Quarter Review of Monetary Policy 2013-14. All other MSF scheme terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8719&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/470",
   "title": "Repo Rate Hiked 25 bps to 8.00%",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-470/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 basis points to 8.00% with immediate effect. The reverse repo rate automatically adjusted to 7.00%. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8718&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/469",
   "title": "Bank Rate Hiked to 9%: Impact on Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-469/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 25 bps to 9.0% effective January 28, 2014, as part of the Third Quarter Review of Monetary Policy. This directly increases penal interest rates on reserve shortfalls and the SSI refinance rate for urban co-operative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8717&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/468",
   "title": "Bank Rate Hiked to 9%: Penal Rates on Reserve Shortfalls Revised",
   "url": "https://bankpulse.ai/c/rbi-2013-14-468/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 25 bps to 9.0% effective January 28, 2014, following the repo rate hike. Penal interest rates on reserve shortfalls, linked to Bank Rate, also increased accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8716&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/467",
   "title": "Withdrawal of Pre-2005 Banknotes: RBI Circular",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-467/",
   "products": [],
   "summary": "RBI withdraws all banknotes issued before 2005 from circulation. They remain legal tender but must be exchanged at bank branches after March 31, 2014. Banks must stop re-issuing these notes and provide exchange facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8715&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/465",
   "title": "New CRE-Residential Housing Sub-Sector: Lower Risk Weights & Provisioning",
   "url": "https://bankpulse.ai/c/rbi-2013-14-465/",
   "products": [],
   "summary": "RBI has carved out a CRE-Residential Housing (CRE-RH) sub-sector from CRE, with lower risk weight of 75% and standard asset provisioning of 0.75%, versus 100% and 1% for CRE. This applies to loans for residential housing projects (commercial area ≤10% of FSI).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8713&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/464",
   "title": "Repo Rate Hiked to 8%: Standing Liquidity Facilities Cost More",
   "url": "https://bankpulse.ai/c/rbi-2013-14-464/",
   "products": [],
   "summary": "RBI raised the repo rate by 25 bps to 8.00% effective January 28, 2014. Consequently, standing liquidity facilities under Export Credit Refinance for banks and collateralised liquidity support for Primary Dealers will now be priced at the new repo rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8712&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:23 IST",
   "published_at_iso": "2026-06-19T15:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/487",
   "title": "RBI Caps Intra-Group Exposures for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-487/",
   "products": [],
   "summary": "RBI has introduced prudential limits on intra-group transactions and exposures for scheduled commercial banks, effective October 1, 2014, to curb concentration and contagion risks. Banks must comply with quantitative limits and maintain arm's length dealings with group entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8739&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/486",
   "title": "RRBs: CRR/SLR exemption on FCNR(B)/NRE deposits withdrawn from March 8, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-486/",
   "products": [],
   "summary": "RBI withdraws CRR/SLR exemption on incremental FCNR(B)/NRE deposits (3-year+ maturity) for RRBs from March 8, 2014. Only deposits outstanding as on March 7, 2014, retain exemption till maturity. Advances against these deposits remain excluded from priority sector lending targets till repayment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8738&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/485",
   "title": "RBI Allows Use of 33% Countercyclical Buffer for NPAs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-485/",
   "products": [],
   "summary": "RBI permits banks to use up to 33% of their countercyclical provisioning buffer or floating provisions held as of March 31, 2013, to make specific provisions for NPAs, subject to board-approved policy. This is a countercyclical measure to ease provisioning pressure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8737&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/484",
   "title": "NRE Deposit Rate Deregulation Extended Till Feb 28, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-484/",
   "products": [],
   "summary": "RBI extends freedom to set NRE deposit rates without ceiling for 3-year+ tenors until Feb 28, 2014. From March 1, 2014, rates must revert to domestic deposit benchmarks. This gives urban co-operative banks more time to adjust pricing strategies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8736&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/483",
   "title": "FCNR(B) Deposit Rate Ceilings Extended for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-483/",
   "products": [],
   "summary": "RBI extends the current FCNR(B) interest rate ceilings for UCBs until February 28, 2014. From March 1, 2014, the ceiling for 3-5 year deposits will drop from LIBOR/Swap plus 400 bps to plus 300 bps, while the 1-3 year ceiling remains unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8735&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/482",
   "title": "NBFC-MFI Pricing of Credit: New Interest Rate Cap",
   "url": "https://bankpulse.ai/c/rbi-2013-14-482/",
   "products": [],
   "summary": "RBI caps NBFC-MFI lending rates at the lower of cost-plus-margin or 2.75 times the average base rate of the five largest banks, effective April 1, 2014. This replaces earlier pricing norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8734&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/481",
   "title": "RBI launches EDPMS for export data reporting",
   "url": "https://bankpulse.ai/c/rbi-2013-14-481/",
   "products": [],
   "summary": "RBI introduces EDPMS, a single IT platform for AD banks to report all export-related returns (XOS, ENC, Sch.3-6, EBW, ETX) replacing multiple standalone systems. Banks must submit a form by Feb 10, 2014 for credentials; data upload/download becomes daily.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8733&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/480",
   "title": "Mizuho Corporate Bank renamed to Mizuho Bank in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2013-14-480/",
   "products": [],
   "summary": "RBI has officially changed the name of 'Mizuho Corporate Bank Ltd.' to 'Mizuho Bank Ltd.' in the Second Schedule of the RBI Act, 1934, effective from a December 2013 notification. This is a routine name update for a scheduled bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8732&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/479",
   "title": "RBI eases third-party payment norms for exports/imports",
   "url": "https://bankpulse.ai/c/rbi-2013-14-479/",
   "products": [],
   "summary": "RBI has relaxed the requirement for a tripartite agreement for third-party payments in export/import transactions, allowing documentary evidence instead. The USD 100,000 limit for import third-party payments has also been removed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8731&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/478",
   "title": "FCNR(B)/NRE Deposit CRR/SLR Exemption Withdrawal Timeline",
   "url": "https://bankpulse.ai/c/rbi-2013-14-478/",
   "products": [],
   "summary": "RBI will withdraw CRR/SLR exemption on incremental FCNR(B) and NRE deposits (3+ years maturity) from March 8, 2014. Deposits outstanding as on March 7, 2014 will retain exemption until maturity. Advances against these deposits remain excluded from ANBC for priority sector targets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8726&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/476",
   "title": "NRE Deposit Rate Ceiling Extended Till Feb 28, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-476/",
   "products": [],
   "summary": "RBI extends the freedom for banks to offer uncapped interest rates on incremental NRE deposits of 3 years and above until February 28, 2014. From March 1, 2014, rates must revert to not exceed comparable domestic rupee deposit rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8725&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/477",
   "title": "FCNR(B) Deposit Rate Ceiling Extended, Then Cut for 3-5 Year Tenor",
   "url": "https://bankpulse.ai/c/rbi-2013-14-477/",
   "products": [],
   "summary": "RBI extended the higher FCNR(B) deposit rate ceiling (LIBOR/Swap + 400 bps for 3-5 years) until Feb 28, 2014. From March 1, 2014, the ceiling for 3-5 years will revert to LIBOR/Swap + 300 bps. The 1-3 year ceiling remains at LIBOR/Swap + 200 bps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8724&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:17 IST",
   "published_at_iso": "2026-06-19T15:17:00+05:30"
  },
  {
   "ref": "RBI/2013-14/499",
   "title": "Exim Bank's USD 10 mn Line of Credit to Nicaragua",
   "url": "https://bankpulse.ai/c/rbi-2013-14-499/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 10 million Line of Credit to Nicaragua for financing Indian goods and services for two electric sub-stations. Banks must advise exporters and follow FEMA guidelines for disbursement and commission payments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8751&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/498",
   "title": "FDI Rules for MSEs and Reserved Items Updated",
   "url": "https://bankpulse.ai/c/rbi-2013-14-498/",
   "products": [],
   "summary": "RBI revised FDI norms for MSEs (formerly SSIs) aligning with MSMED Act 2006. MSEs not in Annex A can issue shares/debentures to foreign investors per Annex B limits and entry routes. Non-MSE units with industrial licenses for reserved items need FIPB approval for FDI above 24%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8750&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/497",
   "title": "KYC/AML Compliance: Designated Director Mandate for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-497/",
   "products": [],
   "summary": "RBI mandates Primary Urban Cooperative Banks to nominate a Board Director as 'designated director' to ensure compliance with PMLA obligations, following the 2012 amendment that empowers the Director to impose fines for non-compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8749&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/496",
   "title": "NRO Remittance Reporting: Monthly from Feb 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-496/",
   "products": [],
   "summary": "RBI now requires AD Category-I banks to report NRO remittances (including sale of immovable property) monthly instead of quarterly, with data due within 7 days of month-end. The revised proforma also captures transfers from NRO to NRE accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8748&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/495",
   "title": "ECB Reporting: New Hedging Details in ECB-2 Return",
   "url": "https://bankpulse.ai/c/rbi-2013-14-495/",
   "products": [],
   "summary": "RBI has modified the ECB-2 Return format to include a new Part-E for capturing details of financial hedges on foreign currency exposure related to ECB. This change applies from April 2014 returns, with no other changes to reporting procedure or timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8747&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/494",
   "title": "RBI cuts CP sub-limit for foreign investors by USD 1.5 billion",
   "url": "https://bankpulse.ai/c/rbi-2013-14-494/",
   "products": [],
   "summary": "RBI reduced the Commercial Paper sub-limit for FIIs, QFIs, and long-term investors from USD 3.5 billion to USD 2 billion, effective immediately. The freed USD 1.5 billion remains part of the overall USD 51 billion corporate debt limit, now available for other corporate debt investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8746&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/493",
   "title": "Gold Import Rules: AA/DFIA Clarifications & 20:80 Scheme Update",
   "url": "https://bankpulse.ai/c/rbi-2013-14-493/",
   "products": [],
   "summary": "RBI clarifies that AA/DFIA imports are outside the 20:80 scheme and don't entitle further imports. For third lots, import is capped at 5x exports or first/second lot quantity. Gold Dore refiners get 15% of licence for first two months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8745&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/492",
   "title": "CRILC Reporting: Threshold Lowered to ₹5 Crore, SMA-2 Added",
   "url": "https://bankpulse.ai/c/rbi-2013-14-492/",
   "products": [],
   "summary": "RBI has revised CRILC reporting: exposure threshold drops from ₹10 crore to ₹5 crore from June 2014 quarter, and banks must now report SMA-2 accounts via a new frequency-neutral sheet. December 2013 quarter return is due within 10 working days from deployment of the revised XBRL installer on Februar",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8744&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/491",
   "title": "Term Repo Auction Timings Revised to 11:00-11:30 AM",
   "url": "https://bankpulse.ai/c/rbi-2013-14-491/",
   "products": [],
   "summary": "RBI has moved Term Repo auctions under LAF from afternoon (2:30-3:00 PM) to morning (11:00-11:30 AM), effective immediately. All other terms remain unchanged. This shift aims to better align with market participant requests.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8743&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/490",
   "title": "Revised FC-GPR Form for FDI Reporting",
   "url": "https://bankpulse.ai/c/rbi-2013-14-490/",
   "products": [],
   "summary": "RBI has revised the FC-GPR form to capture granular FDI details like brownfield/greenfield investments and investee company incorporation date. AD Category-I banks must use the new form for all FDI reporting effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8742&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/489",
   "title": "FCNR(B) Rate Ceiling Extended for RRBs and Cooperatives",
   "url": "https://bankpulse.ai/c/rbi-2013-14-489/",
   "products": [],
   "summary": "RBI extends the current FCNR(B) deposit interest rate ceiling for RRBs and cooperative banks until February 28, 2014. From March 1, 2014, the ceiling for 3-5 year deposits will drop from LIBOR/Swap plus 400 bps to plus 300 bps. The 1-3 year ceiling stays at LIBOR/Swap plus 200 bps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8741&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/488",
   "title": "NRE Deposit Rate Deregulation Extended for RRBs and Cooperatives",
   "url": "https://bankpulse.ai/c/rbi-2013-14-488/",
   "products": [],
   "summary": "RBI extends the freedom for RRBs and cooperative banks to offer uncapped interest rates on incremental NRE deposits of 3+ years maturity until February 28, 2014. From March 1, 2014, rates must revert to not exceed comparable domestic deposit rates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8740&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:09 IST",
   "published_at_iso": "2026-06-19T15:09:00+05:30"
  },
  {
   "ref": "RBI/2013-14/511",
   "title": "MTSS Direct-to-Account Remittances Allowed via NEFT/IMPS",
   "url": "https://bankpulse.ai/c/rbi-2013-14-511/",
   "products": [],
   "summary": "RBI now permits foreign inward remittances under MTSS to be credited directly to beneficiaries' KYC-compliant bank accounts via electronic modes like NEFT or IMPS, even if the beneficiary's bank is different from the Indian Agent bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8763&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/510",
   "title": "RBI Recognises e-Aadhaar as Officially Valid Document for KYC",
   "url": "https://bankpulse.ai/c/rbi-2013-14-510/",
   "products": [],
   "summary": "RBI now allows banks to accept e-Aadhaar downloaded from UIDAI as an officially valid document for KYC, subject to verification steps like printing from UIDAI portal or using e-KYC or simple authentication.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8762&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/509",
   "title": "Pre-2005 Banknote Exchange Deadline Extended to Jan 1, 2015",
   "url": "https://bankpulse.ai/c/rbi-2013-14-509/",
   "products": [],
   "summary": "RBI extends the exchange deadline for pre-2005 banknotes to January 1, 2015. Banks must continue accepting these notes as legal tender, exchange them free of cost without restrictions, and stop re-issuing them via counters or ATMs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8761&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/508",
   "title": "Chinatrust Commercial Bank renamed CTBC Bank in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2013-14-508/",
   "products": [],
   "summary": "RBI has officially updated the Second Schedule of the RBI Act, 1934, replacing 'Chinatrust Commercial Bank' with 'CTBC Bank Co., Ltd.' following a name change notified in the Gazette of India on February 8, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8760&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/507",
   "title": "EDPMS Goes Live: New Export Reporting Platform from March 1, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-507/",
   "products": [],
   "summary": "RBI has operationalised the Export Data Processing and Monitoring System (EDPMS) from February 28, 2014, available to AD banks from March 1, 2014. All new shipping documents must be reported on this single IT platform; old documents continue on the legacy system until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8759&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/506",
   "title": "Fit & Proper Criteria for CEOs of Multi-State UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-506/",
   "products": [],
   "summary": "RBI mandates all Multi-State Urban Co-operative Banks to strictly follow the Government of India's minimum eligibility criteria for CEO appointments, as per TAFCUB recommendations. Non-compliance or lack of such criteria in bank policies must be corrected immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8758&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/505",
   "title": "RRB Second Schedule Updates: 8 Banks In, 20 Out",
   "url": "https://bankpulse.ai/c/rbi-2013-14-505/",
   "products": [],
   "summary": "RBI included 8 amalgamated Regional Rural Banks in the Second Schedule and excluded 20 erstwhile RRBs, effective November 14, 2013. This formalizes post-merger banking status under the RBI Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8757&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/502",
   "title": "Revitalising Distressed Assets: Refinancing & NPA Sale Rules",
   "url": "https://bankpulse.ai/c/rbi-2013-14-502/",
   "products": [],
   "summary": "RBI allows banks to refinance standard infrastructure project loans without classifying them as restructuring, provided more than 50% of the outstanding loan by value is taken over and repayment aligns with project cash flows. It also eases sale of NPAs to asset reconstruction companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8756&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/504",
   "title": "Call/Notice Money Market Prudential Limits: Self-Set by Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-504/",
   "products": [],
   "summary": "RBI has ended the practice of banks approaching it for fixing prudential limits in Call/Notice Money Market. Banks/PDs/co-operative banks can now set these limits with Board approval and inform CCIL and RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8755&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/503",
   "title": "RBI's JLF and CAP Framework for Distressed Assets",
   "url": "https://bankpulse.ai/c/rbi-2013-14-503/",
   "products": [],
   "summary": "RBI mandates banks to form Joint Lenders' Forum (JLF) for accounts with aggregate exposure of Rs 1000 million or more when reported as SMA-2, and adopt Corrective Action Plans (CAP) to address incipient stress before NPA classification.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8754&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-14/501",
   "title": "Security Incident Tracking Platform for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-501/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks to report information security incidents on IDRBT's new anonymous platform, hosted on INFINET, to enable industry-wide threat sharing and policy improvement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8753&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 15:02 IST",
   "published_at_iso": "2026-06-19T15:02:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/523",
   "title": "RBI tightens rules on ARC asset buybacks and sponsor deals",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-523/",
   "products": [],
   "summary": "RBI now bars ARCs from buying NPAs directly from sponsor banks bilaterally; only transparent auctions allowed. Promoters can buy back assets from ARCs if it cuts litigation costs, prevents value erosion, or aids restructuring, with board-approved valuation policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8776&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/522",
   "title": "SC/RCs can use up to 25% of QIB funds for asset restructuring",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-522/",
   "products": [],
   "summary": "RBI now allows SC/RCs with over Rs 500 crore in acquired assets to use up to 25% of QIB-raised funds under a scheme for restructuring those assets, subject to upfront disclosure and separate accounting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8775&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/521",
   "title": "RBI Updates AML/CFT Standards for Payment Operators",
   "url": "https://bankpulse.ai/c/rbi-2013-14-521/",
   "products": [],
   "summary": "RBI directs all PSS Act-authorized payment system operators to consider FATF's February 2014 update on high-risk jurisdictions. This does not block legitimate trade but requires enhanced vigilance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8774&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/520",
   "title": "Pre-PLP Meetings Moved to June",
   "url": "https://bankpulse.ai/c/rbi-2013-14-520/",
   "products": [],
   "summary": "Lead District Managers must now hold pre-PLP meetings in June each year, instead of August/September, to align with NABARD's revised PLP finalization timeline.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8772&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/519",
   "title": "FATF AML/CFT Update for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-519/",
   "products": [],
   "summary": "RBI directs RRBs and co-operative banks to consider FATF's February 2014 update on high-risk jurisdictions. This does not block legitimate trade but requires enhanced vigilance. Principal Officers must acknowledge receipt to the regional office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8771&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/518",
   "title": "e-Aadhaar Now Valid KYC Document for RRBs and Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-518/",
   "products": [],
   "summary": "RBI now allows RRBs and cooperative banks to accept e-Aadhaar downloaded from UIDAI as an officially valid document for KYC, subject to verification via bank-printed copy, e-KYC, or simple authentication.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8770&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/517",
   "title": "FATF AML/CFT Update for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-517/",
   "products": [],
   "summary": "RBI directs Primary (Urban) Co-operative Banks to review FATF's February 2014 statement on AML/CFT compliance gaps in certain jurisdictions. Banks must consider this information but can continue legitimate trade with those countries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8769&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/516",
   "title": "RBI raises trade remittance limit under Rupee Drawing Arrangement",
   "url": "https://bankpulse.ai/c/rbi-2013-14-516/",
   "products": [],
   "summary": "RBI has increased the per-transaction trade remittance limit under Rupee Drawing Arrangements from Rs 2 lakh to Rs 5 lakh, effective immediately. This applies to transactions routed through vostro accounts of non-resident exchange houses.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8768&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/515",
   "title": "MFI Loan Pricing Caps for Priority Sector Classification",
   "url": "https://bankpulse.ai/c/rbi-2013-14-515/",
   "products": [],
   "summary": "RBI tightened pricing norms for bank loans to MFIs under priority sector. From April 1, 2014, MFIs with loan portfolios exceeding Rs.100 crore face a maximum margin cap of 10%; others face 12%. Individual loan cap is the lower of 2.75 times the average base rate of the five largest commercial banks ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8767&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/514",
   "title": "e-Aadhaar Now Valid for KYC at Urban Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-514/",
   "products": [],
   "summary": "RBI now allows Primary (Urban) Cooperative Banks to accept e-Aadhaar downloaded from UIDAI as an officially valid document for KYC, subject to verification via direct printing from UIDAI portal, e-KYC, or simple authentication.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8766&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/513",
   "title": "RBI Mandates Actual-Use SMS Alert Charges for Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-513/",
   "products": [],
   "summary": "RBI directs StCBs/DCCBs to charge SMS alerts on actual usage basis only, leveraging technology to ensure fairness. No flat fees allowed. Banks must also adopt transparent service charge principles per the Annex.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8765&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/512",
   "title": "FATF Updates AML/CFT Compliance: Banks Must Act",
   "url": "https://bankpulse.ai/c/rbi-2013-14-512/",
   "products": [],
   "summary": "RBI directs banks to consider FATF's updated February 2014 statement on AML/CFT compliance deficiencies in certain jurisdictions. This does not block legitimate trade but requires enhanced vigilance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8764&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:53 IST",
   "published_at_iso": "2026-06-19T14:53:00+05:30"
  },
  {
   "ref": "RBI/2013-14/536",
   "title": "Special Clearing Operations for FY 2013-14 Closing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-536/",
   "products": [],
   "summary": "RBI mandates special clearing on March 29-31, 2014, to ensure all government transactions are accounted by March 31. Banks must process special clearings for government credits, maintain settlement balances, and keep infrastructure open during extended hours.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8791&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/535",
   "title": "Year-End Govt Account Closing: Extended Hours for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-535/",
   "products": [],
   "summary": "RBI directs agency banks to keep counters open till 8 PM on March 29 and 31, 2014, and select branches on March 30 and holidays, to handle year-end government transaction rush. Electronic transactions continue till midnight March 31.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8790&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/534",
   "title": "RBI hikes investment limits for Inflation Indexed National Savings Securities",
   "url": "https://bankpulse.ai/c/rbi-2013-14-534/",
   "products": [],
   "summary": "RBI raised the maximum annual investment in IINSS-C to ₹10 lakh for individuals and ₹25 lakh for non-profit institutions, effective March 25, 2014. Subscriptions close March 31, 2014. All other terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8789&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/533",
   "title": "RBI Consolidates FII/QFI into New Foreign Portfolio Investment Scheme",
   "url": "https://bankpulse.ai/c/rbi-2013-14-533/",
   "products": [],
   "summary": "RBI has replaced the separate FII and QFI frameworks with a unified 'Foreign Portfolio Investment' scheme. Existing FIIs with valid SEBI registration are automatically deemed RFPIs till expiry of their three-year block; QFIs may continue for one year or until they obtain RFPI registration. Individua",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8787&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/531",
   "title": "RBI Extends Balance Sheet Disclosure Norms to All Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-531/",
   "products": [],
   "summary": "RBI now requires all Urban Co-operative Banks (UCBs), including Tier I, to disclose detailed financial information like CRAR, NPAs, and investment quality in their balance sheet notes from FY ending March 31, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8786&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/532",
   "title": "RBI Ends Weekly Reporting of Client IRS/FRA to FMD",
   "url": "https://bankpulse.ai/c/rbi-2013-14-532/",
   "products": [],
   "summary": "From April 4, 2014, banks and primary dealers no longer need to report client-level Rupee IRS/FRA transactions weekly to RBI's Financial Markets Department. Reporting now goes only to CCIL's platform, which has stabilized since December 30, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8785&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/530",
   "title": "UCBs Can Now Issue Long Term Deposits to Non-Members for Tier II Capital",
   "url": "https://bankpulse.ai/c/rbi-2013-14-530/",
   "products": [],
   "summary": "RBI now allows Primary Urban Co-operative Banks to issue Long Term Deposits (LTDs) to non-members, including those outside their area of operation, subject to approvals. These LTDs, meeting specified terms, qualify as lower Tier II capital, easing capital augmentation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8784&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/528",
   "title": "Early Distress Recognition & Resolution for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-528/",
   "products": [],
   "summary": "RBI mandates NBFCs to classify stressed loans as Special Mention Accounts (SMA) under the framework effective from April 1, 2014, report to CRILC for exposures ≥₹5 crore, and join Joint Lenders' Forum for SMA-2 accounts to ensure early resolution and avoid accelerated provisioning.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8782&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/527",
   "title": "Depositor Education and Awareness Fund Scheme 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-527/",
   "products": [],
   "summary": "RBI mandates banks to transfer deposits unclaimed for 10+ years to a new Fund. Depositors can still claim their money from banks, which can then seek reimbursement from the Fund. Banks must prepare for the scheme's effective date and designate a single contact point.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8780&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/526",
   "title": "PPF and SCSS Interest Rates Unchanged for FY 2014-15",
   "url": "https://bankpulse.ai/c/rbi-2013-14-526/",
   "products": [],
   "summary": "RBI notified that PPF (1968) and SCSS (2004) interest rates remain unchanged at 8.7% and 9.2% respectively for FY 2014-15, effective April 1, 2014, as per Government of India's Office Memorandum.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8779&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/524",
   "title": "RBI Updates NBFCs on FATF AML/CFT Compliance List",
   "url": "https://bankpulse.ai/c/rbi-2013-14-524/",
   "products": [],
   "summary": "RBI directs NBFCs to consider FATF's updated February 2014 statement on jurisdictions with AML/CFT deficiencies. This does not ban legitimate trade with those countries but requires enhanced vigilance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8777&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:46 IST",
   "published_at_iso": "2026-06-19T14:46:00+05:30"
  },
  {
   "ref": "RBI/2013-14/552",
   "title": "RBI Simplifies KYC Norms for Foreign Portfolio Investors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-552/",
   "products": [],
   "summary": "RBI has simplified KYC for eligible FPIs (duly registered with SEBI and having undergone KYC due diligence/verification through a SEBI-regulated custodian/intermediary) opening bank accounts under the Portfolio Investment Scheme. Banks can rely on KYC verification done by such custodians/intermediar",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8824&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/547",
   "title": "RBI Consolidates Prepaid Payment Instrument Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2013-14-547/",
   "products": [],
   "summary": "RBI issued consolidated guidelines for prepaid payment instruments (PPIs) on March 28, 2014, superseding all earlier circulars. The rules cover issuance by banks and non-banks, co-branded cards, gift instruments, and cross-border remittance PPIs, aiming to streamline regulation under the Payment and",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8814&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/546",
   "title": "RTGS ISO 20022 Deadline Extended to June 30, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-546/",
   "products": [],
   "summary": "RBI extends RTGS ISO 20022 messaging compliance deadline to June 30, 2014, after participants cited technical difficulties. Non-compliance after this date will invite penal provisions under the PSS Act, 2007.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8813&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/545",
   "title": "Revised Merchanting Trade Guidelines for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-545/",
   "products": [],
   "summary": "RBI has revised merchanting trade guidelines to simplify procedures. Key conditions: goods must not enter India, no transformation, both legs through same AD bank, completion within 9 months, and no forex outlay beyond 4 months. AD banks must ensure KYC/AML compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8812&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/544",
   "title": "Cross Border Wire Transfer Reporting via FINnet Gateway",
   "url": "https://bankpulse.ai/c/rbi-2013-14-544/",
   "products": [],
   "summary": "Banks must report cross border wire transfers over Rs. 5 lakh to FIU-IND by the 15th of the following month using the existing TRF format on the FINnet gateway, as per amended PML Rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8811&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/543",
   "title": "Multi-State UCBs: Selling Assets to SC/RCs Now Permitted",
   "url": "https://bankpulse.ai/c/rbi-2013-14-543/",
   "products": [],
   "summary": "RBI now allows Multi-State Urban Cooperative Banks to sell financial assets (NPAs and certain standard assets) to Securitisation/Reconstruction Companies and invest in security receipts. Banks must follow board-approved policies, ensure no court restrictions, and transfer assets without recourse.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8810&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/542",
   "title": "Revised Capital Rules for PDs on Derivatives and Repo",
   "url": "https://bankpulse.ai/c/rbi-2013-14-542/",
   "products": [],
   "summary": "RBI revised capital charge guidelines for standalone Primary Dealers on interest rate derivatives, repo/reverse repo, and central counterparty exposures, effective April 1, 2014. All other existing capital adequacy norms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8809&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/541",
   "title": "Exposure Norms for Standalone Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-541/",
   "products": [],
   "summary": "RBI exempts standalone PDs' clearing exposure to Qualifying CCPs from the 25% single-counterparty limit, effective April 1, 2014, to promote central clearing of OTC derivatives.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8808&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/540",
   "title": "RBI Relaxes Forward Contract Cancellation Rules for Exporters/Importers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-540/",
   "products": [],
   "summary": "RBI now allows exporters and importers to cancel up to 75% of forward contracts booked under past-performance-based hedging, with gains/losses passed to the customer. Contracts beyond 75% must remain deliverable, with losses borne by the customer but gains forfeited.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8807&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/538",
   "title": "Basel III Capital Planning: Extended Timeline & Revised Transition",
   "url": "https://bankpulse.ai/c/rbi-2013-14-538/",
   "products": [],
   "summary": "RBI extended Basel III full implementation to March 31, 2019, delaying Capital Conservation Buffer start to March 31, 2016. Banks must strengthen forward-looking capital planning, factoring macro-economic conditions and stress test outcomes, with active board oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8806&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/539",
   "title": "March 2014 Govt Account Closing: Special Arrangements for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-539/",
   "products": [],
   "summary": "RBI sets April 15, 2014 as the residual transaction closure date for March 2014. Agency banks must segregate March and April transactions, use special messenger/courier for challans, and ensure all March collections are booked in FY 2013-14.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8805&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/537",
   "title": "ECB for Civil Aviation Working Capital Extended to March 2015",
   "url": "https://bankpulse.ai/c/rbi-2013-14-537/",
   "products": [],
   "summary": "RBI has extended the scheme allowing airlines to raise External Commercial Borrowings (ECB) for working capital under the approval route until March 31, 2015. All existing conditions from the April 2012 circular remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8792&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:38 IST",
   "published_at_iso": "2026-06-19T14:38:00+05:30"
  },
  {
   "ref": "RBI/2013-14/560",
   "title": "RDA Direct-to-Account Remittances via Electronic Mode",
   "url": "https://bankpulse.ai/c/rbi-2013-14-560/",
   "products": [],
   "summary": "RBI now allows foreign inward remittances under Rupee Drawing Arrangement to be credited directly to KYC-compliant beneficiary accounts via NEFT/IMPS, with strict originator info and alert tagging.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8832&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/559",
   "title": "RBI Policy on Overseas Property Transactions by Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-559/",
   "products": [],
   "summary": "RBI mandates Indian banks with overseas offices to get board-approved policies for property sale/purchase and lease/rental, ensuring compliance with Indian laws (FEMA, BR Act) and host-country rules, plus an exit clause in lease agreements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8831&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/558",
   "title": "RBI Creates NOFHC Category for New Bank Licenses",
   "url": "https://bankpulse.ai/c/rbi-2013-14-558/",
   "products": [],
   "summary": "RBI has created a new NBFC category called Non-Operative Financial Holding Company (NOFHC) for promoter groups seeking new bank licenses. NOFHCs must hold the bank and all group financial services firms, and are registered with DNBS; the regulatory and supervisory framework is governed by instructio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8830&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/557",
   "title": "Forward Contract Booking Limit Raised to $250,000 for Residents",
   "url": "https://bankpulse.ai/c/rbi-2013-14-557/",
   "products": [],
   "summary": "RBI has raised the limit for booking forward contracts without underlying documents from $100,000 to $250,000 for resident individuals, firms, and companies with actual or anticipated forex exposures, based on a simple declaration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8829&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/556",
   "title": "RBI restricts foreign investment in T-bills, short-term govt securities",
   "url": "https://bankpulse.ai/c/rbi-2013-14-556/",
   "products": [],
   "summary": "RBI has barred fresh foreign investment in T-bills and government securities with residual maturity below one year. Only dated securities with residual maturity of one year or more are now open to foreign investors. Existing short-term holdings must taper off on maturity or sale.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8828&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/555",
   "title": "UCBs Must Report Cross Border Wire Transfers Over Rs 5 Lakh on FINnet",
   "url": "https://bankpulse.ai/c/rbi-2013-14-555/",
   "products": [],
   "summary": "All Primary Urban Co-operative Banks must now report cross border wire transfers exceeding Rs 5 lakh to FIU-IND using the existing Transaction Based Reporting Format on the FINnet gateway, with submissions due by the 15th of the following month.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8827&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/554",
   "title": "NBFC NOF Calculation: AIF Investments Clarified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-554/",
   "products": [],
   "summary": "RBI clarifies that NBFCs must include indirect investments via AIFs/VCFs in NOF calculation when the NBFC contributes 50% or more funds or is the beneficial owner of the trust. Substance over form applies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8826&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/553",
   "title": "RBI Delegates More FEMA Compounding Powers to Regional Offices",
   "url": "https://bankpulse.ai/c/rbi-2013-14-553/",
   "products": [],
   "summary": "RBI has expanded regional offices' authority to compound six specific FEMA contraventions related to foreign direct investment, with no monetary limit for most offices, effective immediately. Kochi and Panaji offices can handle cases up to ₹1 crore.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8825&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/551",
   "title": "RBI Tightens Gold Metal Loan Norms to Curb Frauds",
   "url": "https://bankpulse.ai/c/rbi-2013-14-551/",
   "products": [],
   "summary": "RBI mandates stricter credit appraisal for Gold Metal Loans (GMLs), requiring both issuing and disbursing banks to independently assess borrowers. Stand-by LC/BG limits must be treated like fund-based limits, and end-use monitoring is non-negotiable to prevent misuse by jewellers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8823&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/549",
   "title": "LAF Overnight Repo Quantum Halved to 0.25% of NDTL",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-549/",
   "products": [],
   "summary": "RBI cut the overnight repo amount under LAF from 0.5% to 0.25% of bank-wise NDTL, effective immediately. This reduces daily liquidity access for banks and primary dealers, aligning with the April 2014 monetary policy stance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8822&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/550",
   "title": "RBI hikes term repo liquidity to 0.75% of NDTL",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-550/",
   "products": [],
   "summary": "RBI increased the liquidity available under 7-day and 14-day term repos from 0.5% to 0.75% of banking system NDTL, effective immediately, as part of the April 2014 monetary policy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8821&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/548",
   "title": "RBI Removes Approved List for Rough Diamond Advance Remittances",
   "url": "https://bankpulse.ai/c/rbi-2013-14-548/",
   "products": [],
   "summary": "RBI has stopped notifying approved overseas mining companies for rough diamond imports. AD Category-I banks can now decide on advance remittances without limit or bank guarantee, based on GJEPC recommendations and their own due diligence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8815&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:28 IST",
   "published_at_iso": "2026-06-19T14:28:00+05:30"
  },
  {
   "ref": "RBI/2013-14/572",
   "title": "Cross Border Wire Transfer Reporting via FINnet Gateway",
   "url": "https://bankpulse.ai/c/rbi-2013-14-572/",
   "products": [],
   "summary": "RRBs and cooperative banks must report cross-border wire transfers over Rs. 5 lakh to FIU-IND by the 15th of each month using the FINnet gateway and existing TRF format.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8850&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/571",
   "title": "Uniform Accounting Standards for ARCs: RBI Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2013-14-571/",
   "products": [],
   "summary": "RBI mandates uniform accounting for ARCs from FY2014-15: pre-acquisition costs expensed immediately, revenue recognition only after full principal redemption, and SRs valued as available-for-sale with net depreciation provided for.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8849&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/570",
   "title": "RBI Eases Cash Rules for Business Correspondents",
   "url": "https://bankpulse.ai/c/rbi-2013-14-570/",
   "products": [],
   "summary": "RBI directs banks to reduce prefunding requirements for BCs to ~15% (deposits) and ~30% (bank guarantees) within 2 years, and mandates banks to insure BC cash as their own. Boards must review BC operations every six months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8848&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/569",
   "title": "NBFCs Must Now File Cash/Suspicious Reports Only via FINnet Gateway (Circular dated April 22, 2014)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-569/",
   "products": [],
   "summary": "RBI mandates NBFCs to submit cash and suspicious transaction reports exclusively through the FINnet gateway in XML format, discontinuing CD submissions. Reports on CD will no longer be accepted by FIU-IND. (Ref: RBI circular DNBS.(PD).CC.No.375/03.10.42/2013-14 dated April 22, 2014)",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8847&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/568",
   "title": "RBI curbs misuse of overseas credit facilities by Indian firms",
   "url": "https://bankpulse.ai/c/rbi-2013-14-568/",
   "products": [],
   "summary": "RBI has banned banks from issuing standby letters of credit, guarantees, or letters of comfort for overseas JV/WOS/WoSDS to raise loans unrelated to their business. Also, ECBs from overseas branches of Indian banks cannot repay domestic rupee loans. Banks must monitor end-use strictly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8846&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/567",
   "title": "FDI in Pharma: Non-Compete Clause Curbed",
   "url": "https://bankpulse.ai/c/rbi-2013-14-567/",
   "products": [],
   "summary": "RBI has tightened FDI rules for pharma: non-compete clauses in brownfield deals now require FIPB approval, except in special cases. Greenfield FDI remains 100% automatic; brownfield stays 100% via government route. Banks must update customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8845&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/565",
   "title": "RBI mandates governance overhaul for benchmark submitters",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-565/",
   "products": [],
   "summary": "RBI accepted the Committee on Financial Benchmarks' recommendations to strengthen Indian Rupee interest rate and forex benchmarks. FIMMDA and FEDAI must form independent bodies to administer benchmarks, and submitters must adopt board-approved policies, conflict management, maker-checker systems, an",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8841&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/564",
   "title": "Differential Rate of Interest for MSE Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-564/",
   "products": [],
   "summary": "RBI directs banks to offer MSE borrowers a lower interest rate reflecting CGTMSE credit guarantee benefits and zero risk weight on the guaranteed portion, but not below the bank's base rate. Banks must also review loan policies to adopt board-approved credit scoring models for MSE evaluation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8840&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/563",
   "title": "RBI Auction of Four Government Securities on April 17, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-563/",
   "products": [],
   "summary": "RBI will auction four dated securities totaling ₹20,000 crore on April 17, 2014, via uniform price method. Banks must submit bids electronically on E-Kuber by noon. Non-competitive bids (up to 5% of notified amount) are due by 11:30 AM. Settlement on April 21.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8839&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/562",
   "title": "Trade Credit Cost Ceiling Extended Till June 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-562/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for trade credits for imports until June 30, 2014. No other changes to trade credit policy have been made. Banks must continue to apply the same cost limits and inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8834&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/561",
   "title": "ECB All-in-Cost Ceiling Extended Till June 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-561/",
   "products": [],
   "summary": "RBI has extended the existing all-in-cost ceiling for External Commercial Borrowings (ECB) until June 30, 2014. The ceiling, set in March 2012, remains unchanged. AD Category-I banks must inform customers. No other ECB policy changes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8833&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:23 IST",
   "published_at_iso": "2026-06-19T14:23:00+05:30"
  },
  {
   "ref": "RBI/2013-14/585",
   "title": "ECB from overseas branches of Indian banks barred for rupee loan refinancing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-585/",
   "products": [],
   "summary": "RBI has prohibited eligible Indian companies from using ECB raised from overseas branches/subsidiaries of Indian banks to refinance or repay domestic rupee loans, effective immediately. This covers take-out financing, infrastructure sector loans, spectrum allocation, and general rupee loan repayment",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8871&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/584",
   "title": "ECB Re-schedulement: RBI Delegates Powers to AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-584/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to approve ECB re-schedulement (changes in drawdown/repayment schedule) without prior RBI nod, subject to conditions like no increase in interest rate or additional costs, and compliance with all-in-cost and average maturity period norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8870&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/583",
   "title": "RBI Circular on Urban Co-op Banks: May 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-583/",
   "products": [],
   "summary": "RBI circular dated May 7, 2014, to all Primary (Urban) Co-operative Banks (Ref: UBD.BPD.(PCB).Cir.No 58/16.20.000/2013-14) provides guidelines on investments in Market Infrastructure Companies (MICs). Investments for membership in MICs are treated as Non-SLR investments; UCBs may exceed existing Non",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8869&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/582",
   "title": "RBI Bans Prepayment Penalty on Floating Rate Loans to Individuals",
   "url": "https://bankpulse.ai/c/rbi-2013-14-582/",
   "products": [],
   "summary": "RBI has banned foreclosure charges and prepayment penalties on all floating rate term loans to individual borrowers, effective immediately. This applies to all scheduled commercial banks except RRBs, following the April 2014 monetary policy announcement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8868&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/580",
   "title": "No Penal Charges on Inoperative Account Minimum Balance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-580/",
   "products": [],
   "summary": "RBI has barred banks from levying penal charges for non-maintenance of minimum balance in any inoperative account, effective from May 6, 2014. This follows the April 1, 2014 monetary policy statement aimed at consumer protection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8867&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/581",
   "title": "Minors' Bank Account Opening Norms Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2013-14-581/",
   "products": [],
   "summary": "RBI now allows minors of any age to open savings/fixed/recurring deposit accounts through a guardian. Minors above 10 years may be allowed to open and operate savings bank accounts independently, if they so desire, subject to risk management limits. Banks may also offer additional facilities like AT",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8866&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/578",
   "title": "RBI to Auction ₹16,000 Crore in Four Government Securities on May 9, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-578/",
   "products": [],
   "summary": "RBI will auction four dated securities totaling ₹16,000 crore on May 9, 2014, via uniform price method. Bids must be on E-Kuber; non-competitive bids 10:30-11:30 AM, competitive 10:30-12:00 noon. Settlement on May 12, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8865&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/579",
   "title": "Interest Tax Act 1974: UCBs Must Act on Supreme Court Order",
   "url": "https://bankpulse.ai/c/rbi-2013-14-579/",
   "products": [],
   "summary": "RBI directs all Urban Co-operative Banks to comply with a Supreme Court order on Interest Tax Act 1974 collections. Transferee banks of merged credit institutions (1991-1997) must contribute ₹50 lakh each and deposit excess rounded-off interest tax to the Trust Fund.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8860&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/577",
   "title": "FDI Reporting: AD Banks Can Now Approach Regional RBI for Delayed FC-TRS",
   "url": "https://bankpulse.ai/c/rbi-2013-14-577/",
   "products": [],
   "summary": "RBI has rationalised FC-TRS filing for NRIs acquiring shares on stock exchanges: investee company now files the form. AD banks can approach Regional RBI offices for delays beyond 60 days, instead of Central Office.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8859&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/576",
   "title": "RBI Auction of Four Government Securities for ₹16,000 Crore",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-576/",
   "products": [],
   "summary": "RBI will auction four dated securities totaling ₹16,000 crore on May 2, 2014, using a uniform price method. Banks must submit bids via E-Kuber by noon. Non-competitive bids are accepted from 10:30-11:30 AM. Settlement is on May 5, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8858&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/574",
   "title": "Cross Border Wire Transfer Reporting: New Threshold & Format",
   "url": "https://bankpulse.ai/c/rbi-2013-14-574/",
   "products": [],
   "summary": "RBI mandates reporting of cross border wire transfers over Rs 5 lakh to FIU-IND by 15th of the succeeding month using the existing TRF format on FINnet gateway. This aligns with amended PML Rules, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8852&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/573",
   "title": "Cross Border Wire Transfer Reporting: New Threshold & Format",
   "url": "https://bankpulse.ai/c/rbi-2013-14-573/",
   "products": [],
   "summary": "RBI mandates that all Indian Agents under MTSS report cross border wire transfers over Rs. 5 lakh to FIU-IND by the 15th of the following month, using the existing Transaction Based Reporting Format on the FINnet gateway.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8851&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:13 IST",
   "published_at_iso": "2026-06-19T14:13:00+05:30"
  },
  {
   "ref": "RBI/2013-14/597",
   "title": "RBI Eases Long-Term Export Advances for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-597/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to allow exporters with a 3-year track record to receive long-term export advances up to 10 years for executing supply contracts, subject to conditions like firm orders, pricing, and AML compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8890&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/596",
   "title": "RBI Re-issues Four Government Securities Worth ₹16,000 Crore",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-596/",
   "products": [],
   "summary": "RBI will auction four re-issued dated securities totaling ₹16,000 crore on May 23, 2014, using a uniform price method. Bids must be submitted electronically via E-Kuber. Non-competitive bids are allowed up to 5% of notified amount.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8887&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/595",
   "title": "LLPs now eligible as Indian Party for overseas investments",
   "url": "https://bankpulse.ai/c/rbi-2013-14-595/",
   "products": [],
   "summary": "RBI now allows LLPs registered under the LLP Act, 2008 to act as an 'Indian Party' for overseas direct investments, enabling them to make financial commitments to joint ventures or wholly owned subsidiaries abroad under FEMA regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8882&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/594",
   "title": "ECB from Foreign Equity Holders: AD Banks Get More Powers",
   "url": "https://bankpulse.ai/c/rbi-2013-14-594/",
   "products": [],
   "summary": "RBI has delegated powers to AD Category-I banks to approve ECB proposals from indirect equity holders, group companies, and for general corporate purpose under the automatic route for specified sectors, and also to approve lender changes for FEH-linked ECBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8880&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/593",
   "title": "UCBs can now tie up with NSDL or other IT dept authorized agencies for PAN services",
   "url": "https://bankpulse.ai/c/rbi-2013-14-593/",
   "products": [],
   "summary": "RBI expands PAN Service Agent options for financially sound UCBs: they can now partner with NSDL e-Governance Infrastructure Ltd or any Income Tax Department-authorized agency, in addition to the earlier UTI Infrastructure tie-up, with prior RBI approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8879&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/592",
   "title": "RBI Prohibits Penal Charges on Non-Maintenance of Minimum Balance in Inoperative Accounts for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-592/",
   "products": [],
   "summary": "RBI has directed all primary urban co-operative banks not to levy penal charges for non-maintenance of minimum balances in inoperative accounts, effective from the date of the circular (May 15, 2014). This follows a proposal in the First Bi-monthly Monetary Policy Statement 2014-15 announced on Apri",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8878&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/591",
   "title": "RIDF and NABARD funds now count as priority sector indirect agriculture",
   "url": "https://bankpulse.ai/c/rbi-2013-14-591/",
   "products": [],
   "summary": "From March 31, 2014, scheduled commercial banks can treat outstanding deposits placed under RIDF, Warehouse Infrastructure Fund, Short Term Co-operative Rural Credit Refinance Fund, and Short Term RRB Fund with NABARD as indirect agriculture, counting toward priority sector targets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8877&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/590",
   "title": "RBI eases co-branded prepaid card rules for banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-590/",
   "products": [],
   "summary": "RBI has granted banks general permission to issue rupee-denominated co-branded prepaid instruments, removing the need for one-time approval. NBFCs and other entities still require prior RBI approval. This simplifies market entry for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8876&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/589",
   "title": "RBI Tightens Customer Service Norms for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-589/",
   "products": [],
   "summary": "RBI issued additional customer service guidelines for Regional Rural Banks (RRBs), aligning them with standards for Scheduled Commercial Banks. RRBs must comply with these new instructions alongside existing ones to improve service quality and handle rising customer expectations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8875&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/588",
   "title": "RBI Eases Rules for Indian Banks' Foreign Branches on Structured Products",
   "url": "https://bankpulse.ai/c/rbi-2013-14-588/",
   "products": [],
   "summary": "Indian banks' foreign branches can now offer structured financial and derivative products not permitted in India, but only at major financial hubs like New York, London, and Singapore. Banks must ensure strong risk management and compliance with host regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8874&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/586",
   "title": "RBI caps gold loan LTV at 75% for urban co-op banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-586/",
   "products": [],
   "summary": "RBI has capped LTV at 75% for UCB gold loans, effective May 2014. Gold jewellery must be valued using the 30-day average of 22-carat closing prices from IBJA. Lower-purity gold must be proportionately converted to 22-carat equivalent. Banks need board-approved gold loan policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8873&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/587",
   "title": "Minors' Bank Accounts: New Norms for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-587/",
   "products": [],
   "summary": "RBI now allows minors of any age to open savings/fixed/recurring deposit accounts through natural or legal guardians. Minors aged 10+ can independently operate savings accounts if banks set age and amount limits. UCBs can offer ATM, debit card, internet banking, and cheque book facilities, but accou",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8872&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 14:03 IST",
   "published_at_iso": "2026-06-19T14:03:00+05:30"
  },
  {
   "ref": "RBI/2013-14/620",
   "title": "UFCE Guidelines: Audit, Volatility, and Capital Clarified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-620/",
   "products": [],
   "summary": "RBI clarifies UFCE rules: quarterly self-certification (preferably internally audited) with annual statutory audit; RBI to request FEDAI to publish USD-INR annual volatility; use latest audited quarterly or yearly EBID (yearly at least last financial year); incremental provisioning based on standard",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8914&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/608",
   "title": "RRBs must make branches and ATMs accessible for disabled persons",
   "url": "https://bankpulse.ai/c/rbi-2013-14-608/",
   "products": [],
   "summary": "RBI directs RRBs to install ramps at all ATMs and branch entrances, make all new ATMs from July 1, 2014 talking ATMs with Braille keypads, and provide magnifying glasses at branches for low-vision customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8901&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/607",
   "title": "UCBs Allowed Semi-Closed Prepaid Payment Instruments Up to ₹10,000",
   "url": "https://bankpulse.ai/c/rbi-2013-14-607/",
   "products": [],
   "summary": "RBI now permits UCBs that already have ATMs and ATM-cum-debit cards to issue semi-closed prepaid payment instruments up to ₹10,000 for utility bill/ essential services, redeemable only at contracted merchant locations, with no cash withdrawal allowed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8900&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/606",
   "title": "RBI Mandates Prior Approval for NBFC Control Changes",
   "url": "https://bankpulse.ai/c/rbi-2013-14-606/",
   "products": [],
   "summary": "RBI now requires all NBFCs (except Primary Dealers) to obtain prior written approval for any takeover, acquisition of control, or merger/amalgamation involving shareholding changes over 10% of paid-up capital. This applies to both deposit-taking and non-deposit-taking NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8899&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/605",
   "title": "Rupee Value of Special Currency Basket Revised to Rs.80.60",
   "url": "https://bankpulse.ai/c/rbi-2013-14-605/",
   "products": [],
   "summary": "RBI revised the Rupee value of the Special Currency Basket under the Deferred Payment Protocols with the erstwhile USSR to Rs.80.603699, effective May 21, 2014. AD Category-I banks must update their systems and inform constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8898&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/604",
   "title": "KYC Norms Simplified for FPIs at Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-604/",
   "products": [],
   "summary": "RBI has simplified KYC norms for Foreign Portfolio Investors (FPIs) opening bank accounts under the Portfolio Investment Scheme at Primary Urban Co-operative Banks. Banks can now rely on KYC verification done by SEBI-regulated custodians/intermediaries, subject to conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8897&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/603",
   "title": "UCBs barred from charging prepayment penalty on floating rate loans",
   "url": "https://bankpulse.ai/c/rbi-2013-14-603/",
   "products": [],
   "summary": "RBI has prohibited urban cooperative banks from levying foreclosure charges or prepayment penalties on all floating rate term loans to individual borrowers, effective immediately. This follows the April 2014 monetary policy statement aimed at consumer protection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8896&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/602",
   "title": "CCTV Must Cover All Cash Ops in Currency Chests",
   "url": "https://bankpulse.ai/c/rbi-2013-14-602/",
   "products": [],
   "summary": "RBI reiterates that all cash handling in currency chests—including soiled note packing—must be under CCTV surveillance. A recent shortage occurred when packing was done outside the strong room, missing camera coverage. Banks must ensure Potdar accompanies remittances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8895&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/601",
   "title": "CRILC Reporting Mandate for Large Credits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-601/",
   "products": [],
   "summary": "RBI mandates all term-lending and refinancing institutions to report borrower-wise exposure data to CRILC via XBRL from June 2014 quarter. Quarterly CRILC-Main report due within 21 days; SMA-2/JLF reports on as-and-when basis. Non-compliance attracts penal provisions under RBI Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8894&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/600",
   "title": "RBI Eases Gold Import Norms for STH/PTH, Tweaks 20:80 Scheme",
   "url": "https://bankpulse.ai/c/rbi-2013-14-600/",
   "products": [],
   "summary": "RBI has allowed Star Trading Houses and Premier Trading Houses to import gold under the 20:80 scheme, subject to past import history and Customs verification. Banks can now extend Gold Metal Loans to domestic jewellers against their 80% import quota, up to GML outstanding as of March 31, 2013.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8893&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/599",
   "title": "Bharatiya Mahila Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2013-14-599/",
   "products": [],
   "summary": "RBI added Bharatiya Mahila Bank Limited to the Second Schedule of the RBI Act, 1934, effective March 25, 2014. This grants it scheduled bank status, entitling it to central banking facilities and regulatory benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8892&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/598",
   "title": "RBI mandates accessible bank branches and ATMs for disabled persons",
   "url": "https://bankpulse.ai/c/rbi-2013-14-598/",
   "products": [],
   "summary": "RBI directs all scheduled commercial banks (excluding RRBs) to install ramps at all ATMs and branch entrances, make all new ATMs from July 1, 2014 talking ATMs with Braille keypads, and provide magnifying glasses in branches for persons with disabilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8891&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:58 IST",
   "published_at_iso": "2026-06-19T13:58:00+05:30"
  },
  {
   "ref": "RBI/2013-14/621",
   "title": "Export Credit Refinance Limit Cut to 32%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-621/",
   "products": [],
   "summary": "RBI reduced the export credit refinance (ECR) limit from 50% to 32% of eligible outstanding rupee export credit, effective immediately. This tightens liquidity support for banks against export lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8915&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/619",
   "title": "DTL on Special Reserve for UCBs under Section 36(1)(viii)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-619/",
   "products": [],
   "summary": "RBI mandates all Primary Urban Co-operative Banks to create deferred tax liability on Special Reserve under AS 22, regardless of intent to not withdraw. Past shortfalls can be adjusted from reserves; future transfers must hit P&L. The full reserve counts for Tier-I capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8913&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/618",
   "title": "RBI mandates designated director for NBFC AML compliance",
   "url": "https://bankpulse.ai/c/rbi-2013-14-618/",
   "products": [],
   "summary": "RBI now requires NBFCs to nominate a Board director as 'designated director' to ensure PMLA compliance. Non-compliance can attract fines between ₹10,000 and ₹1 lakh per failure, as per amended Section 13(2) of the Prevention of Money Laundering Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8912&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/617",
   "title": "SLBC Convenorship for Telangana Assigned to SBH",
   "url": "https://bankpulse.ai/c/rbi-2013-14-617/",
   "products": [],
   "summary": "RBI assigned SLBC convenorship of the new Telangana state to State Bank of Hyderabad, effective June 2, 2014. Andhra Bank retains convenorship for the residual Andhra Pradesh. No other state SLBC responsibilities change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8910&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/616",
   "title": "Crystallization of Inoperative Foreign Currency Deposits",
   "url": "https://bankpulse.ai/c/rbi-2013-14-616/",
   "products": [],
   "summary": "RBI mandates AD Category-I banks to convert inoperative foreign currency deposits (fixed or no fixed maturity) into rupees after 3 years of inactivity, aligning with the Depositor Education and Awareness Fund Scheme, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8909&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/615",
   "title": "UCBs told to avoid large loans to PSUs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-615/",
   "products": [],
   "summary": "RBI directs Urban Cooperative Banks to generally not grant large-value loans to Public Sector Undertakings, as such lending dilutes their cooperative character and core mandate of serving small borrowers, agriculture, and small businesses.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8908&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/614",
   "title": "DEAF Scheme 2014: Operational Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-614/",
   "products": [],
   "summary": "RBI operationalized the Depositor Education and Awareness Fund (DEAF) Scheme, requiring banks to transfer unclaimed deposits (inoperative for 10+ years) to the Fund via E-Kuber portal by June 30, 2014, and monthly thereafter, using unique Bank DEAF Codes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8907&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/613",
   "title": "RBI Increases Past Performance Hedging Limit for Importers to 50%",
   "url": "https://bankpulse.ai/c/rbi-2013-14-613/",
   "products": [],
   "summary": "RBI has raised the past performance hedging limit for resident importers from 25% to 50% of the eligible limit, effective from the date of the circular (May 27, 2014). This gives importers more flexibility to manage currency risk on probable exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8906&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/612",
   "title": "No Prepayment Penalty on Floating Rate Loans for Individuals",
   "url": "https://bankpulse.ai/c/rbi-2013-14-612/",
   "products": [],
   "summary": "RBI bans foreclosure charges and prepayment penalties on all floating rate term loans to individual borrowers by StCBs, CCBs, and RRBs, effective immediately. This follows the April 2014 monetary policy statement aimed at consumer protection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8905&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/610",
   "title": "RRBs: Minors' Account Opening Norms Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2013-14-610/",
   "products": [],
   "summary": "RBI allows RRBs to open savings/fixed/recurring deposit accounts for minors of any age through guardians. Minors aged 10+ can independently operate savings accounts if banks set age/amount limits. Additional facilities like ATM/debit cards are permitted, but accounts must never be overdrawn.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8904&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/611",
   "title": "RRBs: No Penal Charges for Minimum Balance Shortfall in Inoperative Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-611/",
   "products": [],
   "summary": "RBI has directed all Regional Rural Banks to stop levying penal charges for non-maintenance of minimum balance in any inoperative account, effective from the circular date May 27, 2014. This follows the First Bi-monthly Monetary Policy Statement 2014-15 announced on April 1, 2014, proposing measures",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8903&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/609",
   "title": "NBFCs must round off all transactions to nearest rupee",
   "url": "https://bankpulse.ai/c/rbi-2013-14-609/",
   "products": [],
   "summary": "RBI mandates NBFCs to round off all transactions, including interest payments and charges, to the nearest rupee. Fractions of 50 paise and above round up; less than 50 paise are ignored. Cheques with paise fractions must still be accepted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8902&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:47 IST",
   "published_at_iso": "2026-06-19T13:47:00+05:30"
  },
  {
   "ref": "RBI/2013-14/633",
   "title": "Pledge of Shares by NRIs in Favour of NBFCs Delegated to AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-633/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to approve pledge of listed equity shares held by non-resident investors to NBFCs for securing credit to resident investee companies, subject to conditions like board resolution, auditor certificate, and SEBI norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8930&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/632",
   "title": "FPIs, NRIs can now invest in non-convertible preference shares/debentures",
   "url": "https://bankpulse.ai/c/rbi-2013-14-632/",
   "products": [],
   "summary": "RBI now allows registered FPIs, long-term investors (SWFs, pension funds, etc.), and NRIs to invest in non-convertible/redeemable preference shares or debentures of Indian companies, within the USD 51 billion corporate debt limit. NRIs can invest on both repatriation and non-repatriation basis.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8928&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/631",
   "title": "CRR hike and SLR cut for cooperative banks from July 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-631/",
   "products": [],
   "summary": "RBI raised CRR for non-scheduled StCBs and all CCBs by 100 bps to 4% and cut SLR for all StCBs and CCBs by 250 bps to 22.5%, effective July 12, 2014. Term deposits with PSBs count for SLR until March 31, 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8926&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/630",
   "title": "RBI Hikes Annual Turnover Targets for PDs Serving Mid-Segment and Retail Investors",
   "url": "https://bankpulse.ai/c/rbi-2013-14-630/",
   "products": [],
   "summary": "RBI has raised the minimum annual turnover target for Primary Dealers (PDs) serving mid-segment and retail investors. Bank PDs must now achieve 100% of minimum NOF, while standalone PDs face a 150% target, effective July 2014-June 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8925&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/628",
   "title": "RBI Aligns CRR for Non-Scheduled UCBs, Cuts SLR by 250 bps",
   "url": "https://bankpulse.ai/c/rbi-2013-14-628/",
   "products": [],
   "summary": "RBI raised CRR for non-scheduled urban co-op banks to 4% (up 100 bps) and cut SLR for all UCBs to 22.5% (down 250 bps), effective July 12, 2014. Interim SLR norms allow term deposits with PSBs until March 31, 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8922&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/627",
   "title": "RBI Introduces 28-Day Special Term Repo Auctions",
   "url": "https://bankpulse.ai/c/rbi-2013-14-627/",
   "products": [],
   "summary": "RBI has launched 28-day special term repo auctions for up to 0.25% of banking system NDTL, starting June 6, 2014, on non-reporting Fridays. This provides banks an additional liquidity management tool.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8921&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/626",
   "title": "RBI cuts SLR for RRBs to 22.50% from June 14, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-626/",
   "products": [],
   "summary": "RBI reduced the Statutory Liquidity Ratio (SLR) for Regional Rural Banks from 23% to 22.50% of NDTL, effective the fortnight starting June 14, 2014, following the June 3, 2014 monetary policy announcement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8920&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/625",
   "title": "RBI mandates designated director for PMLA compliance by PSOs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-625/",
   "products": [],
   "summary": "Payment system operators must nominate a board director as 'designated director' to ensure compliance with PMLA obligations, following an amendment that empowers the Director to impose fines of ₹10,000 to ₹1 lakh per failure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8919&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/624",
   "title": "LRS Limit Raised to USD 125,000 per Financial Year (Effective June 3, 2014)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-624/",
   "products": [],
   "summary": "RBI has increased the Liberalised Remittance Scheme limit for resident individuals from USD 75,000 to USD 125,000 per financial year, effective immediately. AD Category-I banks can now process remittances up to the new limit for permitted current or capital account transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8918&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/623",
   "title": "Exim Bank's USD 46 mn Line of Credit to Mauritius",
   "url": "https://bankpulse.ai/c/rbi-2013-14-623/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 46 million Line of Credit to Mauritius for defence equipment. Banks must advise exporters on LOC terms, including 75% Indian content, no agency commission, and GR/SDF form declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8917&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/622",
   "title": "SLR Reduced to 22.5% from June 14, 2014",
   "url": "https://bankpulse.ai/c/rbi-2013-14-622/",
   "products": [],
   "summary": "RBI cuts SLR by 50 bps to 22.5% of NDTL for scheduled commercial banks and local area banks, effective fortnight starting June 14, 2014. This frees up liquidity for lending and investment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8916&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:42 IST",
   "published_at_iso": "2026-06-19T13:42:00+05:30"
  },
  {
   "ref": "RBI/2013-14/645",
   "title": "RBI Allows Select UCBs to Offer Online Trading to Demat Holders",
   "url": "https://bankpulse.ai/c/rbi-2013-14-645/",
   "products": [],
   "summary": "RBI now permits only Scheduled Primary (Urban) Co-operative Banks with a net worth of at least Rs 500 crore, SEBI registration as Depository Participants, full CBS and internet banking, and prior RBI approval to offer online trading via a broking tie-up.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8944&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/644",
   "title": "Simplified KYC Norms for Foreign Portfolio Investors (FPIs)",
   "url": "https://bankpulse.ai/c/rbi-2013-14-644/",
   "products": [],
   "summary": "RBI has simplified KYC for FPIs opening bank accounts under the Portfolio Investment Scheme. Banks can now rely on KYC verification done by SEBI-regulated custodians/intermediaries, subject to conditions. This reduces duplication while banks retain ultimate due diligence responsibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8943&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/643",
   "title": "MTSS: Designated Director & PMLA Penalty Update",
   "url": "https://bankpulse.ai/c/rbi-2013-14-643/",
   "products": [],
   "summary": "RBI mandates Indian Agents under MTSS to nominate a 'designated Director' for PMLA compliance. Non-compliance can attract fines from ₹10,000 to ₹1 lakh per failure under amended Section 13(2).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8942&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/642",
   "title": "PMLA Amendment: Fines for KYC/AML Lapses in Money Changing",
   "url": "https://bankpulse.ai/c/rbi-2013-14-642/",
   "products": [],
   "summary": "RBI advises authorised persons to appoint a designated director for PMLA compliance. The amended Section 13(2) empowers the Director to levy fines of ₹10,000 to ₹1 lakh per failure for non-compliance with KYC/AML/CFT obligations in money changing activities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8941&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/641",
   "title": "KYC Proof of Address Simplified for RRBs and Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-641/",
   "products": [],
   "summary": "RBI now allows customers to submit just one proof of address (current or permanent) when opening an account. If the address changes, a fresh proof must be given within six months. For a local correspondence address, banks can accept a customer declaration without proof, verifying it through positive",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8940&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/640",
   "title": "RBI Delegates Asset Transfer Powers for LO/BO/PO to AD Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-640/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to approve asset transfers from foreign entities' Liaison/Branch/Project Offices to their Indian subsidiaries or JVs, replacing prior RBI approval. Banks must ensure compliance with tax, valuation, and closure rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8939&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/639",
   "title": "RBI Withdraws CRR/SLR Exemption on Incremental FCNR(B)/NRE Deposits for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-639/",
   "products": [],
   "summary": "RBI has withdrawn the CRR/SLR exemption on incremental FCNR(B) and NRE deposits (3+ years maturity) for urban co-operative banks effective June 14, 2014. Only deposits outstanding as of June 13, 2014, retain exemption until maturity. Advances against these deposits still qualify for priority sector ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8938&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/638",
   "title": "IS Audit Mandated for Urban Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-638/",
   "products": [],
   "summary": "RBI directs all Primary Urban Cooperative Banks to adopt an Information System (IS) audit policy, conduct annual IS audits for critically important branches, and place reports before the board. Compliance required by March 31, 2015.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8937&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/637",
   "title": "Accessibility mandates for UCB branches and ATMs",
   "url": "https://bankpulse.ai/c/rbi-2013-14-637/",
   "products": [],
   "summary": "RBI directs Primary Urban Co-operative Banks to install ramps at branch entrances, make all new ATMs from July 1, 2014 talking ATMs with Braille keypads, and provide magnifying glasses for low-vision customers. Progress must be reported to the Board.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8936&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/636",
   "title": "KYC Address Proof Simplified for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-636/",
   "products": [],
   "summary": "UCBs can now accept a single proof of address (current or permanent) for account opening or periodic KYC updates. If the address changes, customers must submit fresh proof within six months. For non-local addresses, a declaration of local correspondence address suffices, verified via positive confir",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8935&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/635",
   "title": "RBI Finalises Basel III LCR Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2013-14-635/",
   "products": [],
   "summary": "RBI issued final guidelines on Basel III Liquidity Coverage Ratio (LCR), effective January 1, 2015. LCR minimum starts at 60% and rises to 100% by January 1, 2019. Includes liquidity risk monitoring tools and disclosure standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8934&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2013-14/634",
   "title": "RBI Simplifies Address Proof for Bank Accounts",
   "url": "https://bankpulse.ai/c/rbi-2013-14-634/",
   "products": [],
   "summary": "RBI now allows customers to submit just one proof of address (current or permanent) when opening or updating a bank account. If the address changes, a fresh proof must be given within six months. For non-local addresses, banks can accept a declaration and verify via positive confirmation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8931&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:33 IST",
   "published_at_iso": "2026-06-19T13:33:00+05:30"
  },
  {
   "ref": "RBI/2020-21/35",
   "title": "RBI Tightens Compliance Norms: CCO Tenure & Eligibility",
   "url": "https://bankpulse.ai/c/rbi-2020-21-35/",
   "products": [],
   "summary": "RBI mandates a minimum 3-year fixed tenure for Chief Compliance Officers (CCOs) in banks, with strict eligibility criteria including age under 55, 15 years experience, and no pending vigilance cases. Banks must adopt a Board-approved compliance policy reviewed annually.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11962&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2020-21/34",
   "title": "COVID Resolution Framework: Mandatory Financial Ratios",
   "url": "https://bankpulse.ai/c/rbi-2020-21-34/",
   "products": [],
   "summary": "RBI mandates five key financial ratios—TOL/ATNW, Total Debt/EBITDA, Current Ratio, DSCR, and ADSCR—for all resolution plans under Part B of the COVID-19 stress framework, with sector-specific thresholds. For sectors without specified thresholds, current ratio and DSCR must be at least 1.0, and ADSCR",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11961&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/658",
   "title": "MTSS record retention reduced to 5 years",
   "url": "https://bankpulse.ai/c/rbi-2013-14-658/",
   "products": [],
   "summary": "RBI has reduced the mandatory record retention period for Indian Agents under MTSS from 10 years to 5 years, aligning with the amended PMLA, 2002. This change applies to KYC/AML/CFT records and takes immediate effect.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8960&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/657",
   "title": "KYC/AML Record Retention Reduced to 5 Years for Money Changing Activities by Authorised Persons",
   "url": "https://bankpulse.ai/c/rbi-2013-14-657/",
   "products": [],
   "summary": "RBI has reduced the mandatory record retention period for KYC/AML documents under PMLA from 10 years to 5 years for Authorised Persons, specifically for money changing activities, effective from June 25, 2014.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8959&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/656",
   "title": "DEAF Scheme 2014: Operational Guidelines Clarified",
   "url": "https://bankpulse.ai/c/rbi-2013-14-656/",
   "products": [],
   "summary": "RBI clarifies that banks must transfer unclaimed deposits (including accrued interest) to the DEAF Fund via E-Kuber portal by month-end. Interest on claims accrues only from transfer date to payment date, and only for interest-bearing deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8958&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/655",
   "title": "UCBs Must Share Info with SIT on Demand",
   "url": "https://bankpulse.ai/c/rbi-2013-14-655/",
   "products": [],
   "summary": "RBI directs all Primary Urban Co-operative Banks to fully cooperate with the Special Investigation Team (SIT) by providing required information and documents promptly, as per Supreme Court orders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8957&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/654",
   "title": "Revised Application Format for 8% Savings (Taxable) Bonds, 2003",
   "url": "https://bankpulse.ai/c/rbi-2013-14-654/",
   "products": [],
   "summary": "RBI mandates revised bilingual application format for 8% Savings (Taxable) Bonds, 2003, notified in the Gazette on April 21, 2014, to enable CBS migration. Banks must print forms on A4 paper with detachable customer info portion and use distinct colors for cumulative vs non-cumulative bonds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8956&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/653",
   "title": "RBI Eases BC Norms: NBFCs Allowed, Distance Cap Removed",
   "url": "https://bankpulse.ai/c/rbi-2013-14-653/",
   "products": [],
   "summary": "RBI now permits banks to appoint non-deposit taking NBFCs as Business Correspondents and removes the earlier distance limit between BC outlets and base branches. This expands the BC ecosystem for deeper financial inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8955&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/648",
   "title": "Indian currency export/import limit raised to Rs 25,000",
   "url": "https://bankpulse.ai/c/rbi-2013-14-648/",
   "products": [],
   "summary": "RBI has raised the limit for carrying Indian currency notes abroad from Rs 10,000 to Rs 25,000 for residents and most non-residents, excluding citizens of Pakistan and Bangladesh and travelers coming from or going to those countries. Non-residents can only bring in or take out Indian currency throug",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8949&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-2014/647",
   "title": "Sector-wise Advance Disclosure Norms Tightened",
   "url": "https://bankpulse.ai/c/rbi-2013-2014-647/",
   "products": [],
   "summary": "RBI mandates banks to disclose sector-wise advances and NPAs in financial statements from FY2014-15, replacing earlier norms. This aims to improve transparency and active sector exposure management, especially for priority sectors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8946&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2013-14/646",
   "title": "Revised FLA Return Format for Indian Companies",
   "url": "https://bankpulse.ai/c/rbi-2013-14-646/",
   "products": [],
   "summary": "RBI has revised the annual Foreign Liabilities and Assets (FLA) return format to include Outward Foreign Affiliated Trade Statistics (FATS). All Indian companies with FDI or outward FDI must file the updated soft form by July 15 each year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8945&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:26 IST",
   "published_at_iso": "2026-06-19T13:26:00+05:30"
  },
  {
   "ref": "RBI/2020-21/47",
   "title": "Syndicate Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2020-21-47/",
   "products": [],
   "summary": "RBI has formally removed Syndicate Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2020, as it ceased banking operations on that date following its merger.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11975&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/46",
   "title": "OBC and United Bank of India removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2020-21-46/",
   "products": [],
   "summary": "RBI has formally removed Oriental Bank of Commerce and United Bank of India from the Second Schedule of the RBI Act, 1934, effective April 1, 2020, as they ceased banking operations on that date due to amalgamation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11974&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/45",
   "title": "Andhra Bank and Corporation Bank removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2020-21-45/",
   "products": [],
   "summary": "RBI has excluded Andhra Bank and Corporation Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2020, as they ceased banking business on that date due to merger.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11973&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/44",
   "title": "Allahabad Bank removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2020-21-44/",
   "products": [],
   "summary": "RBI has excluded Allahabad Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2020, as it ceased banking operations on that date following its amalgamation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11972&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/43",
   "title": "NSFR Implementation Deferred to April 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-43/",
   "products": [],
   "summary": "RBI has deferred the Net Stable Funding Ratio (NSFR) implementation by six months to April 1, 2021, due to COVID-19 uncertainty. Banks get extra time to align their liquidity profiles.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11971&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/42",
   "title": "RBI defers final CCB tranche to April 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-42/",
   "products": [],
   "summary": "RBI has postponed the last 0.625% Capital Conservation Buffer (CCB) implementation from September 30, 2020 to April 1, 2021, keeping the trigger for Additional Tier 1 instruments at 5.5% of RWAs until then.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11970&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/41",
   "title": "Positive Pay System for Cheques: RBI Mandate from Jan 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-41/",
   "products": [],
   "summary": "RBI mandates banks to enable Positive Pay for cheques of ₹50,000 and above from January 1, 2021. Issuers must submit key details electronically; banks may make it mandatory for cheques of ₹5,00,000 and above. Non-compliant cheques won't be accepted under CTS dispute resolution.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11969&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/40",
   "title": "Lead Bank Responsibility for New Arunachal Pradesh Districts",
   "url": "https://bankpulse.ai/c/rbi-2020-21-40/",
   "products": [],
   "summary": "RBI assigns lead bank responsibility to State Bank of India for three new districts in Arunachal Pradesh: Kamle, Pakke Kessang, and Shi-Yomi. Lead bank for Lower Siang and Leparada districts will be assigned separately once the government notifies their effective functioning dates.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11968&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/39",
   "title": "DAY-NRLM Master Circular 2020: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-39/",
   "products": [],
   "summary": "RBI updated the DAY-NRLM master circular as of Sep 18, 2020, consolidating all scheme modifications. Banks must note the discontinuation of capital subsidy, revised revolving fund norms, and interest subvention provisions for SHG lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11967&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/38",
   "title": "RBI Notifies USD 215.68 mn Exim Bank LoC for Malawi",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-38/",
   "products": [],
   "summary": "RBI informs AD Category-I banks of a USD 215.68 million Exim Bank Line of Credit to Malawi for water supply and development projects. At least 75% of contract value must be sourced from India. Banks must advise exporters and handle related export documentation and commission remittances per FEMA rul",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11966&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/37",
   "title": "RBI mandates full automation of NPA classification and provisioning by June 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-37/",
   "products": [],
   "summary": "RBI has directed all scheduled commercial banks (excluding RRBs) and small finance banks to fully automate income recognition, asset classification, and provisioning processes by June 30, 2021, covering all borrowal accounts and investments, with manual overrides allowed only in exceptional cases un",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11964&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/36",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated – 11 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2020-21-36/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening systems with the latest UNSC ISIL & Al-Qaida sanctions list amendments affecting 10 individuals and 1 entity, ensuring no accounts or services are provided to listed terrorists.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11963&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:16 IST",
   "published_at_iso": "2026-06-19T13:16:00+05:30"
  },
  {
   "ref": "RBI/2020-21/59",
   "title": "RBI mandates shift to interoperable QR codes by March 2022",
   "url": "https://bankpulse.ai/c/rbi-2020-21-59/",
   "products": [],
   "summary": "RBI has directed all payment system operators using proprietary QR codes to migrate to interoperable UPI QR or Bharat QR by March 31, 2022. No new proprietary QR codes are allowed. This move aims to standardise acceptance infrastructure and improve user convenience.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11987&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/58",
   "title": "RBI Framework for SRO Recognition in Payment Systems",
   "url": "https://bankpulse.ai/c/rbi-2020-21-58/",
   "products": [],
   "summary": "RBI has finalized a framework for recognizing Self-Regulatory Organizations (SROs) for Payment System Operators (PSOs). This enables industry self-governance on standards, customer protection, and dispute resolution, supplementing RBI regulations. Interested PSO groups can apply to the Department of",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11986&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/57",
   "title": "RRB Second Schedule Updates: Amalgamated Banks In, Old Banks Out",
   "url": "https://bankpulse.ai/c/rbi-2020-21-57/",
   "products": [],
   "summary": "RBI has updated the Second Schedule of the RBI Act, 1934, to include 10 newly amalgamated Regional Rural Banks and exclude 21 erstwhile RRBs, as per notifications dated July 27, 2020, published in the Gazette on October 19, 2020. This formalizes the merger of RRBs as per government notifications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11985&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/56",
   "title": "RBI Rationalises Risk Weights on Individual Housing Loans",
   "url": "https://bankpulse.ai/c/rbi-2020-21-56/",
   "products": [],
   "summary": "RBI has reduced risk weights on new individual housing loans sanctioned from October 16, 2020 to March 31, 2022, irrespective of loan amount. For LTV ≤80%, risk weight is 35%; for LTV >80% and ≤90%, it is 50%. This lowers capital requirements for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11984&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/55",
   "title": "Co-op banks get Dec 31 deadline for FY20 returns",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-55/",
   "products": [],
   "summary": "RBI extends deadline for co-operative banks to submit annual returns under Section 31 of BR Act to December 31, 2020, due to COVID-19 disruptions. Urban co-ops get a government exemption till that date; state and central co-ops get a three-month extension.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11983&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/54",
   "title": "HTM SLR Limit Extension and Phased Restoration",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-54/",
   "products": [],
   "summary": "RBI extends enhanced HTM limit of 22% of NDTL for SLR securities acquired Sep 2020–Mar 2021 until Mar 31, 2022, then phases it down to 19.5% by Dec 31, 2022. Banks can shift excess securities to AFS/HFT during reduction quarters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11982&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/53",
   "title": "Regulatory Retail Portfolio: Exposure Limit Raised to ₹7.5 Crore",
   "url": "https://bankpulse.ai/c/rbi-2020-21-53/",
   "products": [],
   "summary": "RBI has increased the per-counterparty exposure limit for regulatory retail portfolio from ₹5 crore to ₹7.5 crore, effective October 12, 2020. This allows banks to apply a 75% risk weight on eligible retail exposures up to the new limit, reducing capital costs for individual and small business loans",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11981&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/52",
   "title": "SGB 2020-21 Series VII-XII: Subscription Schedule & Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-52/",
   "products": [],
   "summary": "RBI has announced six tranches of Sovereign Gold Bonds for FY 2020-21 (Series VII to XII) with subscription windows from October 2020 to March 2021. Banks must accept applications, issue acknowledgments, and follow consolidated operational guidelines issued earlier.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11980&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/50",
   "title": "EDPMS Caution-Listing of Exporters: Revised Procedure",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-50/",
   "products": [],
   "summary": "RBI has withdrawn the automatic caution-listing criteria for exporters in EDPMS. Now, AD banks must recommend caution-listing based on exporter track record and adverse reports from law enforcement agencies, making the process more equitable.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11978&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/49",
   "title": "Exim Bank USD 310 mn LoC to Zimbabwe for Power Project",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-49/",
   "products": [],
   "summary": "RBI notified a USD 310 million Government of India-supported Line of Credit from Exim Bank to Zimbabwe for repowering Hwange Thermal Power Station. At least 75% of contract value must be sourced from India. AD Category-I banks must facilitate exports under this LoC with no agency commission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11977&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/48",
   "title": "MSME Interest Subvention Scheme Extended to Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2020-21-48/",
   "products": [],
   "summary": "RBI has extended the 2% interest subvention scheme for MSMEs to co-operative banks from March 3, 2020. The scheme covers fresh/incremental term loans or working capital up to ₹100 lakh total per MSME, with validity extended to March 31, 2021. SIDBI is the nodal agency for claims.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11976&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:10 IST",
   "published_at_iso": "2026-06-19T13:10:00+05:30"
  },
  {
   "ref": "RBI/2020-21/71",
   "title": "Contactless card limit raised to ₹5,000 without AFA",
   "url": "https://bankpulse.ai/c/rbi-2020-21-71/",
   "products": [],
   "summary": "RBI has increased the per-transaction limit for contactless card payments without Additional Factor of Authentication from ₹2,000 to ₹5,000, effective January 1, 2021, to promote safer, touch-free payments during COVID-19.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11999&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/70",
   "title": "RTGS Goes 24x7 from December 14, 2020",
   "url": "https://bankpulse.ai/c/rbi-2020-21-70/",
   "products": [],
   "summary": "RBI made RTGS available round the clock from December 14, 2020, enabling customer and inter-bank transactions 24x7 except for a brief end-of-day/start-of-day window. Banks must automate post-hours transactions via STP and inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11998&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/69",
   "title": "Foreign law firms barred from setting up offices in India",
   "url": "https://bankpulse.ai/c/rbi-2020-21-69/",
   "products": [],
   "summary": "RBI has directed AD Category-I banks not to approve any branch, liaison, or project office in India by foreign law firms for legal practice, following the Supreme Court's ruling that only Indian advocates can practice law in India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11997&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/68",
   "title": "RBI Allows Second Escrow Account for PPIs and PAs",
   "url": "https://bankpulse.ai/c/rbi-2020-21-68/",
   "products": [],
   "summary": "RBI now permits non-bank PPI issuers and payment aggregators to maintain an additional escrow account with a different scheduled commercial bank, easing earlier single-account rule to diversify risk and ensure business continuity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11996&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/67",
   "title": "FEMA Compounding: Updated Rules and Delegated Powers",
   "url": "https://bankpulse.ai/c/rbi-2020-21-67/",
   "products": [],
   "summary": "RBI has updated compounding rules for FEMA contraventions, delegating powers to regional offices for non-debt instrument violations. The 'technical' classification is discontinued; minimal compounding amounts as per the matrix now apply. Summary compounding orders will be published online for orders",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11995&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/66",
   "title": "RBI Discontinues 17 FEMA Returns/Reports to Ease Compliance",
   "url": "https://bankpulse.ai/c/rbi-2020-21-66/",
   "products": [],
   "summary": "RBI has discontinued 17 returns/reports under FEMA, effective November 13, 2020, to reduce compliance costs and improve ease of doing business. AD banks may bring the contents to the notice of their constituents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11994&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/65",
   "title": "Nagaland's Noklak District Gets Lead Bank Responsibility",
   "url": "https://bankpulse.ai/c/rbi-2020-21-65/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for Nagaland's newly formed Noklak district, carved from Tuensang. The district working code is 00P. No changes to other districts' lead bank roles.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11993&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/64",
   "title": "Exim Bank USD 20.10 mn LoC to Nicaragua for Hospital Reconstruction",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-64/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 20.10 million Government of India-supported Line of Credit to Nicaragua for Aldo Chavarria Hospital reconstruction. At least 75% of contract value must be sourced from India; no agency commission is payable under this LoC.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11992&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/63",
   "title": "RBI Revamps Co-Lending Model for Banks and NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2020-21-63/",
   "products": [],
   "summary": "RBI has replaced the 2018 co-origination framework with a more flexible Co-Lending Model (CLM). Banks can now co-lend with all registered NBFCs, retaining only 20% minimum share. This aims to boost priority sector credit flow to underserved areas at lower costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11991&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/62",
   "title": "Current Account Rules: Deadline Extended to Dec 15",
   "url": "https://bankpulse.ai/c/rbi-2020-21-62/",
   "products": [],
   "summary": "RBI extends the compliance deadline for current account and CC/OD account rules from November 5 to December 15, 2020, while it prepares FAQs to address operational queries from banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11990&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/61",
   "title": "Ex-gratia on interest differential for COVID loan accounts",
   "url": "https://bankpulse.ai/c/rbi-2020-21-61/",
   "products": [],
   "summary": "The Government of India announced a scheme on October 23, 2020, requiring lending institutions to provide ex-gratia payment to borrowers in specified loan accounts. This payment covers the difference between compound interest and simple interest for the period from March 1, 2020, to August 31, 2020.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11989&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/60",
   "title": "RBI Revamps HFC Regulatory Framework: Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2020-21-60/",
   "products": [],
   "summary": "RBI has issued a revised regulatory framework for Housing Finance Companies (HFCs), effective October 22, 2020. Key changes include redefining HFCs with a 60% housing finance asset threshold, exempting HFCs from certain RBI Act provisions, and signaling phased harmonization with NBFC regulations ove",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11988&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-19T13:00:00+05:30"
  },
  {
   "ref": "RBI/2020-21/85",
   "title": "RBI Circular on UNSCR 1518 Sanctions List Update",
   "url": "https://bankpulse.ai/c/rbi-2020-21-85/",
   "products": [],
   "summary": "RBI circular DOR.AML.No.32/14.06.001/2020-21 dated Jan 25, 2021, directs all regulated entities to note the removal of two individuals from the UNSCR 1518 sanctions list and ensure compliance with UNSC resolutions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12015&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/84",
   "title": "RBI withdraws old circulars on pension recovery by agency banks (effective January 21, 2021)",
   "url": "https://bankpulse.ai/c/rbi-2020-21-84/",
   "products": [],
   "summary": "RBI has withdrawn three circulars on recovering excess pension payments from pensioners, effective immediately. Agency banks must now follow guidance from Pension Sanctioning Authorities for recovery processes, while refunding government for bank-caused errors in lump sum without waiting for pension",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12013&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/83",
   "title": "RBI Tightens Risk-Based Internal Audit Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2020-21-83/",
   "products": [],
   "summary": "RBI has strengthened the Risk-Based Internal Audit (RBIA) framework, mandating greater independence, competence, and longer tenures for Heads of Internal Audit (HIA). Banks must ensure HIA reports directly to the Audit Committee or MD/CEO, with no business targets or reporting to verticals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12011&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/82",
   "title": "LEI Mandatory for RTGS/NEFT Transactions of ₹50 Crore and Above",
   "url": "https://bankpulse.ai/c/rbi-2020-21-82/",
   "products": [],
   "summary": "From April 1, 2021, all non-individual entities must use a Legal Entity Identifier (LEI) for RTGS and NEFT transactions of ₹50 crore and above. Banks must advise customers to obtain LEI, include LEI in payment messages, and maintain transaction records.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12010&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/81",
   "title": "Payments Infrastructure Development Fund (PIDF) Scheme Operationalised",
   "url": "https://bankpulse.ai/c/rbi-2020-21-81/",
   "products": [],
   "summary": "RBI has operationalised the PIDF with a ₹345 crore corpus (₹250 crore from RBI and ₹95 crore from major card networks per source para 2, though para 6.2 states ₹100 crore from card networks) to subsidise payment acceptance infrastructure in Tier-3 to Tier-6 centres, targeting 30 lakh new touch point",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12009&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/80",
   "title": "CKYCR Extended to Legal Entities from April 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-80/",
   "products": [],
   "summary": "RBI mandates all regulated entities to upload KYC data of legal entity accounts opened from April 1, 2021, onto the Central KYC Registry. Existing individual accounts opened before 2017 must also be uploaded during periodic updation. KYC Identifier usage is streamlined to reduce duplication.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12008&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/79",
   "title": "RBI Eases Current Account Rules for Specific Statutory Accounts",
   "url": "https://bankpulse.ai/c/rbi-2020-21-79/",
   "products": [],
   "summary": "RBI now permits banks to open current accounts for specific statutory purposes (e.g., RERA, IPO, tax payments) without the restrictions from the August 6, 2020 circular that would otherwise apply. Banks must flag these accounts in CBS and monitor them half-yearly. The NOC requirement was removed ear",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12007&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/78",
   "title": "RRBs Now Allowed in Call/Notice/Term Money Market",
   "url": "https://bankpulse.ai/c/rbi-2020-21-78/",
   "products": [],
   "summary": "RBI now permits Regional Rural Banks (RRBs) to borrow and lend in the call/notice/term money market under the same prudential limits as Scheduled Commercial Banks, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12006&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/77",
   "title": "RBI Eases Export Rules: Higher Write-off Limits & No Cap on Direct Dispatch",
   "url": "https://bankpulse.ai/c/rbi-2020-21-77/",
   "products": [],
   "summary": "RBI has removed the USD 1 million cap on direct dispatch of shipping documents by exporters and raised write-off limits for unrealized export bills to 10% for AD banks and status holders, 5% for others, to simplify trade procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12005&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/76",
   "title": "LAF and MSF Extended to Eligible RRBs",
   "url": "https://bankpulse.ai/c/rbi-2020-21-76/",
   "products": [],
   "summary": "RBI now allows Scheduled RRBs with CBS, 9% CRAR, and FMOD compliance to access LAF and MSF for better liquidity management. A positive/negative list will be shared, and effective dates will follow.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12004&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/75",
   "title": "RBI bans dividend payments on FY20 profits",
   "url": "https://bankpulse.ai/c/rbi-2020-21-75/",
   "products": [],
   "summary": "RBI has directed all commercial and cooperative banks not to pay any dividend on equity shares from FY20 profits, citing COVID-19 stress and the need to conserve capital for supporting the economy and absorbing losses.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12003&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-21/72",
   "title": "RBI Grants Perpetual Validity to Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2020-21-72/",
   "products": [],
   "summary": "RBI now issues perpetual Certificates of Authorisation to all payment system operators, replacing the earlier 5-year renewal cycle. This reduces licensing uncertainty and lets PSOs focus on business, subject to ongoing compliance with entry norms, grievance redressal, and no major supervisory concer",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12000&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:53 IST",
   "published_at_iso": "2026-06-19T12:53:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/97",
   "title": "RBI Curbs NBFC Investments from FATF Non-Compliant Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-97/",
   "products": [],
   "summary": "RBI has barred new investors from FATF non-compliant jurisdictions from acquiring 20% or more voting power in NBFCs. Existing investors can continue or add funds as per normal rules. This tightens AML/CFT controls for NBFCs and ARCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12027&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-2021/96",
   "title": "Exim Bank's USD 400 mn LoC to Maldives: AD Bank Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2020-2021-96/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 400 million Government of India-supported Line of Credit to Maldives for the Greater Male Connectivity project. Banks must ensure 75% Indian content in exports, no agency commission from LoC funds, and proper EDF declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12026&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/95",
   "title": "NSFR Implementation Deferred to October 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-95/",
   "products": [],
   "summary": "RBI has deferred the Net Stable Funding Ratio (NSFR) implementation by six months to October 1, 2021, due to COVID-19 stress. Banks get more time to align funding profiles.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12025&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/94",
   "title": "HTM Limit Extension for SLR Securities: New Timeline",
   "url": "https://bankpulse.ai/c/rbi-2020-21-94/",
   "products": [],
   "summary": "RBI extends enhanced HTM limit of 22% of NDTL for SLR securities acquired up to March 31, 2022, until March 31, 2023. Restoration to 19.5% now starts from June 30, 2023, in phased steps. Banks get additional flexibility to shift excess securities to AFS/HFT during restoration quarters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12024&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/93",
   "title": "RBI defers last tranche of CCB to October 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-93/",
   "products": [],
   "summary": "RBI has postponed the final 0.625% Capital Conservation Buffer tranche from April 1 to October 1, 2021, keeping minimum conservation ratios unchanged until then. The AT1 trigger stays at 5.5% of RWAs until October 1, 2021, when it rises to 6.125%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12023&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/92",
   "title": "CRR Relief for New MSME Loans: ₹25 Lakh Exemption",
   "url": "https://bankpulse.ai/c/rbi-2020-21-92/",
   "products": [],
   "summary": "RBI allows banks to deduct new MSME credit (up to ₹25 lakh per borrower) from NDTL for CRR calculation. Eligible borrowers are those with no banking credit as of Jan 1, 2021. Exemption valid for loans disbursed by October 1, 2021, for one year from origination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12022&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/91",
   "title": "MSF SLR Relaxation Extended to Sept 30, 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-91/",
   "products": [],
   "summary": "RBI extends MSF relaxation allowing banks to borrow under MSF by dipping into SLR up to 3% of NDTL until September 30, 2021, providing continued liquidity comfort and LCR support.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12021&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/90",
   "title": "CRR Restoration: Two-Phase Hike to 4% by May 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-90/",
   "products": [],
   "summary": "RBI will restore CRR from 3% to 4% in two steps: 3.5% from March 27, 2021, and 4% from May 22, 2021. This reverses the 100 bps cut given in March 2020, gradually absorbing liquidity without disrupting markets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12020&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/89",
   "title": "UCB Director Loans: Revised Restrictions Under Section 20",
   "url": "https://bankpulse.ai/c/rbi-2020-21-89/",
   "products": [],
   "summary": "RBI has prohibited Primary Urban Co-operative Banks from granting loans or financial accommodation to directors, their relatives, or entities they are interested in, with limited exceptions. This aligns UCBs with Section 20 of the Banking Regulation Act, effective from the date of the circular (Febr",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12019&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/88",
   "title": "RBI Mandates Risk-Based Internal Audit for NBFCs and UCBs",
   "url": "https://bankpulse.ai/c/rbi-2020-21-88/",
   "products": [],
   "summary": "RBI now requires all deposit-taking NBFCs, non-deposit NBFCs with assets ≥₹5,000 crore, and UCBs with assets ≥₹500 crore to implement Risk-Based Internal Audit by March 31, 2022. This aligns their audit framework with scheduled commercial banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12018&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/87",
   "title": "RBI Tightens Grievance Redress Framework for Banks",
   "url": "https://bankpulse.ai/c/rbi-2020-21-87/",
   "products": [],
   "summary": "RBI mandates enhanced complaint disclosures, cost recovery for maintainable complaints exceeding peer group averages, and intensive review of grievance redress mechanism and supervisory action for banks failing to improve in a time-bound manner. Effective from January 27, 2021, this framework aims t",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12017&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/86",
   "title": "CRISIL Ratings Limited Now Eligible for Capital Adequacy Risk Weighting",
   "url": "https://bankpulse.ai/c/rbi-2020-21-86/",
   "products": [],
   "summary": "RBI has approved CRISIL Ratings Limited as an eligible credit rating agency for capital adequacy purposes, replacing CRISIL Limited. Banks can use its ratings for risk weighting claims, with the same rating-risk weight mapping as before.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12016&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:46 IST",
   "published_at_iso": "2026-06-19T12:46:00+05:30"
  },
  {
   "ref": "RBI/2020-21/107",
   "title": "RBI mandates pan-India Cheque Truncation System by Sept 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-107/",
   "products": [],
   "summary": "RBI has directed all banks to bring every branch under image-based Cheque Truncation System (CTS) by September 30, 2021, ensuring uniform cheque clearing across India. Banks must submit a roadmap and status report by April 30, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12039&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/106",
   "title": "RBI Updates Credit Reporting Formats for COVID-19 Restructured Loans",
   "url": "https://bankpulse.ai/c/rbi-2020-21-106/",
   "products": [],
   "summary": "RBI has modified credit reporting formats to include 'Restructured due to COVID-19' as a new value in Consumer, Commercial, and MFI bureaus. Banks must update systems and start reporting within two months from March 12, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12038&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/105",
   "title": "FPI Investment in Defaulted Bonds: Relaxations",
   "url": "https://bankpulse.ai/c/rbi-2020-21-105/",
   "products": [],
   "summary": "RBI exempts FPI investments in defaulted corporate bonds from short-term limit and minimum residual maturity requirements under the MTF, easing rules for distressed debt investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12037&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/104",
   "title": "LEF Exemption Expanded for Foreign Sovereign Exposures",
   "url": "https://bankpulse.ai/c/rbi-2020-21-104/",
   "products": [],
   "summary": "RBI has exempted exposures to foreign sovereigns or their central banks from the Large Exposures Framework if they carry a 0% risk weight under Basel III and are in the sovereign's domestic currency funded locally.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12036&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/103",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated – 92 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2020-21-103/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening systems with 92 amended UNSC sanctions list entries under UAPA Section 51A, ensuring no accounts or services are provided to designated terrorists or entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12035&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/102",
   "title": "Fino Payments Bank Added to RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2020-21-102/",
   "products": [],
   "summary": "RBI has included Fino Payments Bank Limited in the Second Schedule of the RBI Act, 1934, effective January 1, 2021. This grants it scheduled bank status, subjecting it to RBI's regulatory framework and enabling it to access central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12034&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/101",
   "title": "UNSC Sanctions List: Two Terror Entries Removed",
   "url": "https://bankpulse.ai/c/rbi-2020-21-101/",
   "products": [],
   "summary": "RBI directs all regulated entities to delete two individuals from UNSC sanctions lists per UAPA Section 51A. Banks must update screening databases and ensure no accounts exist for delisted persons.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12033&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/74",
   "title": "RBI Master Direction on Digital Payment Security Controls",
   "url": "https://bankpulse.ai/c/rbi-2020-21-74/",
   "products": [],
   "summary": "RBI issued a Master Direction mandating banks and credit card NBFCs to implement minimum security controls for digital payments, including governance, authentication, and fraud management, effective from August 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12032&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/100",
   "title": "UFCE Data: Banks Can Use Prior Quarter for Listed Entities",
   "url": "https://bankpulse.ai/c/rbi-2020-21-100/",
   "products": [],
   "summary": "RBI now allows banks to use the immediate preceding quarter's UFCE data for listed entities that cannot disclose current quarter exposure before finalising accounts, easing compliance for capital and provisioning calculations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12031&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/73",
   "title": "Master Direction for HFCs: Updated July 2025",
   "url": "https://bankpulse.ai/c/rbi-2020-21-73/",
   "products": [],
   "summary": "RBI consolidated all housing finance company regulations into a single Master Direction effective February 2021, with updates through July 2025. This replaces earlier NHB directions and covers registration, prudential norms, and governance for HFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12030&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/99",
   "title": "LRS Remittances to IFSCs Now Permitted for Resident Individuals",
   "url": "https://bankpulse.ai/c/rbi-2020-21-99/",
   "products": [],
   "summary": "RBI now allows resident individuals to remit funds under LRS to IFSCs in India for investment in securities (excluding those issued by resident entities outside IFSC) and to open non-interest bearing foreign currency accounts there, with idle funds repatriated within 15 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12029&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/98",
   "title": "RBI Allows Margin Posting for Cross-Border Derivative Contracts",
   "url": "https://bankpulse.ai/c/rbi-2020-21-98/",
   "products": [],
   "summary": "RBI now permits AD Cat-I banks to post and collect margin for permitted derivative contracts with non-residents, using INR, freely convertible foreign currency, Indian government securities, or AAA-rated rupee bonds. Margin can also be posted outside India in foreign currency or high-rated sovereign",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12028&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:38 IST",
   "published_at_iso": "2026-06-19T12:38:00+05:30"
  },
  {
   "ref": "RBI/2020-21/118",
   "title": "RBI extends e-mandate compliance deadline to Sept 30, 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-118/",
   "products": [],
   "summary": "RBI has extended the deadline for full compliance with the e-mandate framework for recurring online transactions to September 30, 2021, as a one-time measure. New mandates must be compliant from now; non-compliance beyond the new deadline will invite stringent supervisory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12051&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/117",
   "title": "RBI Extends Compliance Deadline for Non-Bank PAs on Card Data Storage to Dec 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-117/",
   "products": [],
   "summary": "RBI has extended the deadline for non-bank Payment Aggregators to implement tokenisation and stop storing customer card credentials by six months, to December 31, 2021. This one-time relief aims to give industry time to deploy workable solutions like tokenisation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12050&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/116",
   "title": "FPI Investment Limits for FY 2021-22: Corporate Bonds Unchanged",
   "url": "https://bankpulse.ai/c/rbi-2020-21-116/",
   "products": [],
   "summary": "RBI kept FPI investment limit in corporate bonds at 15% of outstanding stock for FY 2021-22. Revised limits are ₹5,74,263 crore for H1 and ₹6,07,039 crore for H2. G-sec and SDL limits remain unchanged until further notice.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12049&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/115",
   "title": "Bilateral Netting of QFCs: Prudential Guideline Amendments",
   "url": "https://bankpulse.ai/c/rbi-2020-21-115/",
   "products": [],
   "summary": "RBI amended prudential guidelines to align with the Bilateral Netting of Qualified Financial Contracts Act, 2020. Derivatives, repo, and reverse repo are now QFCs. Changes affect Basel III capital, NSFR, NPA norms, and capital adequacy frameworks, effective immediately for all scheduled commercial b",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12048&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/114",
   "title": "Special Clearing for Govt Cheques on March 31, 2021",
   "url": "https://bankpulse.ai/c/rbi-2020-21-114/",
   "products": [],
   "summary": "RBI mandates special clearing for government cheques on March 31, 2021, across CTS grids in Delhi, Chennai, and Mumbai. Banks must participate, keep infrastructure open, and maintain sufficient settlement balances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12047&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/113",
   "title": "RBI mandates FETERS-Cards monthly reporting for card/UPI forex transactions",
   "url": "https://bankpulse.ai/c/rbi-2020-21-113/",
   "products": [],
   "summary": "RBI has introduced a new monthly return called FETERS-Cards for reporting international credit/debit card and UPI transactions. AD Category-I banks must submit details via the BOP web portal within seven working days after each month, starting with April 2021 transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12046&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/112",
   "title": "FY21 Year-End: Govt Account Closing Rules for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2020-21-112/",
   "products": [],
   "summary": "All government transactions for FY 2020-21 must be booked within the same year. Agency banks must keep branches open on March 31, 2021 for over-the-counter govt transactions, extend NEFT/RTGS till midnight, and report to RBI by 12 noon on April 1, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12045&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/111",
   "title": "UNSC Sanctions List Updated: 8 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2020-21-111/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their records per UNSC's amendment of 8 individuals on the ISIL (Da'esh) & Al-Qaida Sanctions List. Entities must ensure no accounts or services are provided to these listed individuals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12044&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2020-21/75",
   "title": "RBI Master Direction on UCB Amalgamation 2020",
   "url": "https://bankpulse.ai/c/rbi-dor-2020-21-75/",
   "products": [],
   "summary": "RBI issued a Master Direction in March 2021 governing voluntary amalgamation of Urban Cooperative Banks. It mandates board approval by two-thirds majority, covers positive or negative net worth scenarios, and allows state government financial support to protect depositors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12043&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/110",
   "title": "RBI Updates KYC Master Direction for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2020-21-110/",
   "products": [],
   "summary": "RBI has amended its KYC Master Direction to align with MHA's revised UAPA order of February 2, 2021, replacing the earlier 2019 order. Regulated entities must now follow the updated procedure and refer to MHA's website for the nodal officer list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12042&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/109",
   "title": "LEF: Non-centrally cleared derivatives limit deferment extended",
   "url": "https://bankpulse.ai/c/rbi-2020-21-109/",
   "products": [],
   "summary": "RBI has deferred the applicability of exposure limits on non-centrally cleared derivatives under the Large Exposures Framework until September 30, 2021, giving banks more time to adjust their derivative portfolios.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12041&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2020-21/108",
   "title": "March 2021 Central Govt Transactions: Closure & Reporting",
   "url": "https://bankpulse.ai/c/rbi-2020-21-108/",
   "products": [],
   "summary": "RBI sets April 10, 2021 as the residual transaction closure date for March 2021. Agency banks must segregate March residual scrolls from April transactions, use special courier for late challans, and report separately to Link Cell for CAS Nagpur settlement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12040&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:30 IST",
   "published_at_iso": "2026-06-19T12:30:00+05:30"
  },
  {
   "ref": "RBI/2021-22/11",
   "title": "Master Circular: Credit Facilities for SC/ST Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2021-22-11/",
   "products": [],
   "summary": "RBI updated its Master Circular on credit facilities for Scheduled Castes and Scheduled Tribes, consolidating instructions up to March 31, 2021. Banks must prioritize SC/ST lending through district credit plans, assist borrowers with applications, and ensure subsidies are released upfront.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12065&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/04",
   "title": "Lead Bank Scheme Master Circular 2021: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-04/",
   "products": [],
   "summary": "RBI consolidated all Lead Bank Scheme guidelines into a single Master Circular as of April 1, 2021. It covers credit planning, banking penetration, CD ratio, and digital payments. Banks must align with updated fora structures and data flow mechanisms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12064&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/09",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2021-22-09/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank linkage guidelines into one master circular. Banks are advised to meet entire credit requirements of SHG members, including income generation, social needs, and debt swapping, as per Union Budget announcement. Simplified KYC and hassle-free lending procedures are mandat",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12063&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/05",
   "title": "DAY-NRLM Master Circular 2021: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-05/",
   "products": [],
   "summary": "RBI updated the DAY-NRLM master circular as of April 1, 2021, consolidating all scheme modifications. Banks must note the discontinuation of capital subsidy, revised revolving fund limits (₹10,000-₹15,000), and interest subvention provisions for SHG loans. Compliance with updated guidelines is manda",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12062&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/78",
   "title": "RBI Master Direction on Call, Notice & Term Money Markets 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-78/",
   "products": [],
   "summary": "RBI consolidated and updated rules for call, notice, and term money markets effective April 5, 2021, superseding earlier directions. Key changes include updated definitions and operational guidelines for all eligible market participants.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12061&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/10",
   "title": "KYC Norms for SHGs: CDD at Credit Linking",
   "url": "https://bankpulse.ai/c/rbi-2021-22-10/",
   "products": [],
   "summary": "RBI now requires banks to perform Customer Due Diligence (CDD) for all SHG members at the time of credit linking, replacing earlier simplified norms. This tightens KYC for SHGs effective from April 1, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12060&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/08",
   "title": "Master Circular on Government Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-08/",
   "products": [],
   "summary": "RBI updated its master circular on government pension disbursement by agency banks, consolidating instructions up to March 31, 2021. Key changes include discontinuing forwarding of DR orders to banks and requiring immediate action on government notifications without waiting for RBI instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12059&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/07",
   "title": "Master Circular on Agency Commission for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2021-22-07/",
   "products": [],
   "summary": "RBI updated its master circular on agency commission for banks handling government business, effective April 1, 2021. It consolidates instructions on eligible transactions, commission rates, and exclusions, including own tax payments and certain borrowings. Banks must follow updated guidelines for c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12058&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/06",
   "title": "RBI Master Circular: Credit Facilities to Minority Communities",
   "url": "https://bankpulse.ai/c/rbi-2021-22-06/",
   "products": [],
   "summary": "RBI consolidated instructions on credit to minority communities. Banks must ensure fair credit flow to 121 minority concentration districts and meet priority sector sub-targets for weaker sections, including minorities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12057&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/03",
   "title": "Penalty Scheme for Bank Branches & Currency Chests",
   "url": "https://bankpulse.ai/c/rbi-2021-22-03/",
   "products": [],
   "summary": "RBI's master circular on penalties for bank branches and currency chests aims to enforce better customer service in note/coin exchange. Penalties include ₹50 per piece for shortages of notes up to ₹50, equal to denomination for ₹100 and above, ₹50 per piece for mutilated notes, ₹5,000 per irregulari",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12054&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/02",
   "title": "Master Circular: Detection & Impounding of Counterfeit Notes",
   "url": "https://bankpulse.ai/c/rbi-2021-22-02/",
   "products": [],
   "summary": "RBI updated its master circular on counterfeit note handling, effective April 1, 2021. Banks must machine-check all notes, never return fakes, and report detections to police. Non-compliance invites penalties for wilful circulation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12053&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/01",
   "title": "Master Circular: Note & Coin Exchange Facilities for Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-01/",
   "products": [],
   "summary": "RBI mandates all bank branches to provide note/coin exchange services, including soiled/mutilated notes, without discrimination. Branches must accept small denomination coins and notes, and publicize these facilities. Powers under Note Refund Rules are delegated to banks for free exchange.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12052&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:25 IST",
   "published_at_iso": "2026-06-19T12:25:00+05:30"
  },
  {
   "ref": "RBI/2021-22/23",
   "title": "RBI Caps Bank Dividend Payouts for FY21 Amid COVID Second Wave",
   "url": "https://bankpulse.ai/c/rbi-2021-22-23/",
   "products": [],
   "summary": "RBI has capped commercial bank dividends at 50% of the payout ratio from May 2005 norms for FY21, citing COVID uncertainty. Cooperative banks follow existing rules. Boards must ensure capital adequacy post-payout.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12077&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/22",
   "title": "Lead Bank Responsibility for New Tamil Nadu District",
   "url": "https://bankpulse.ai/c/rbi-2021-22-22/",
   "products": [],
   "summary": "RBI assigns Indian Overseas Bank as lead bank for the newly formed Mayiladuthurai district in Tamil Nadu, effective April 20, 2021. No changes to other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12076&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/21",
   "title": "Interest Equalization Scheme Extended Till June 30, 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-21/",
   "products": [],
   "summary": "RBI extends the Interest Equalization Scheme on pre and post shipment rupee export credit by three months, from April 1 to June 30, 2021, with same scope and coverage. Banks must continue existing operational instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12075&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/20",
   "title": "Payments Banks: End-of-day balance limit doubled to ₹2 lakh",
   "url": "https://bankpulse.ai/c/rbi-2021-22-20/",
   "products": [],
   "summary": "RBI has doubled the maximum end-of-day balance per customer for Payments Banks from ₹1 lakh to ₹2 lakh, effective immediately. This gives PBs more flexibility to serve customers better while continuing their financial inclusion role.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12074&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/19",
   "title": "RBI Updates UNSC Sanctions Lists for UAPA Compliance",
   "url": "https://bankpulse.ai/c/rbi-2021-22-19/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their screening databases with the latest UNSC sanctions list amendments, including a new entry for Abu Bakar Ba'asyir under ISIL/Al-Qaida sanctions and ongoing DPRK list checks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12073&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/18",
   "title": "March 2021 Govt Transaction Closure Moved to April 12",
   "url": "https://bankpulse.ai/c/rbi-2021-22-18/",
   "products": [],
   "summary": "RBI has shifted the closure date for reporting March 2021 residual central government transactions from April 10 to April 12, 2021, due to holidays. Agency banks must submit all residual transactions by 2:00 PM on April 12, keeping March and April transactions separate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12072&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/17",
   "title": "SC Order on Covid Loan Moratorium: Interest Refund & Asset Classification",
   "url": "https://bankpulse.ai/c/rbi-2021-22-17/",
   "products": [],
   "summary": "RBI mandates all lenders to refund 'interest on interest' charged during the March-August 2020 moratorium, per Supreme Court order. Asset classification norms are clarified: accounts with moratorium follow earlier circulars for that period, then standard IRAC norms from September 1, 2020.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12071&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/16",
   "title": "ECB Proceeds Parking Relaxation Extended to March 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-16/",
   "products": [],
   "summary": "RBI allows ECB borrowers to park unutilised proceeds drawn down on or before March 1, 2020, in term deposits with AD Category-I banks for an additional period up to March 1, 2022, as a one-time Covid relief measure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12070&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/15",
   "title": "PSL On-Lending to NBFCs Extended Till Sep 30, 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-15/",
   "products": [],
   "summary": "RBI extends PSL classification for bank loans to NBFCs for on-lending to agriculture and MSE by six months, up to September 30, 2021. Existing loans remain PSL till maturity. HFC on-lending for housing continues on ongoing basis.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12069&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/14",
   "title": "PSL limit for NWR/eNWR loans raised to ₹75 lakh",
   "url": "https://bankpulse.ai/c/rbi-2021-22-14/",
   "products": [],
   "summary": "RBI has increased the PSL classification limit for loans against Negotiable Warehouse Receipts (NWRs) and electronic NWRs from ₹50 lakh to ₹75 lakh per borrower. This applies to both individual and corporate farmers, while loans against other warehouse receipts remain capped at ₹50 lakh.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12068&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/13",
   "title": "RBI Tweaks Gold Monetisation Scheme: New Agent Rules & Valuation Norms",
   "url": "https://bankpulse.ai/c/rbi-2021-22-13/",
   "products": [],
   "summary": "RBI has amended the Gold Monetisation Scheme 2015, introducing Gold Monetisation Collection & Testing Agents (GMCTAs) and changing gold valuation to use FBIL rupee-dollar rates plus customs duty. Banks must update policies and reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12067&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/12",
   "title": "DAY-NULM Master Circular Updated for Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-12/",
   "products": [],
   "summary": "RBI updated the DAY-NULM Master Circular, incorporating instructions issued up to March 31, 2021. Banks must follow revised guidelines on interest subsidy for urban poor self-employment loans, SHG financing, and beneficiary reservations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12066&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:16 IST",
   "published_at_iso": "2026-06-19T12:16:00+05:30"
  },
  {
   "ref": "RBI/2021-22/35",
   "title": "RBI simplifies KYC norms with expanded V-CIP and periodic updation",
   "url": "https://bankpulse.ai/c/rbi-2021-22-35/",
   "products": [],
   "summary": "RBI has amended the KYC Master Direction to expand Video-based Customer Identification Process (V-CIP) for onboarding individuals, proprietors, and legal entity customers, and to simplify periodic KYC updation. V-CIP is now at par with face-to-face identification, with strict tech and security stand",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12089&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/34",
   "title": "Exim Bank's USD 7.35 mn Line of Credit to Nicaragua",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-34/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 7.35 million Government of India-supported Line of Credit to Nicaragua for hospital equipment. Exports must meet FEMA and FTP rules; 75% of contract value must be sourced from India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12088&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/33",
   "title": "LVB removed from RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2021-22-33/",
   "products": [],
   "summary": "RBI has excluded Lakshmi Vilas Bank Ltd from the Second Schedule of the RBI Act, 1934, effective November 27, 2020. This means the bank is no longer a scheduled commercial bank, impacting its regulatory status and access to central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12087&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/32",
   "title": "RBI Resolution Framework 2.0 for MSME Covid Stress",
   "url": "https://bankpulse.ai/c/rbi-2021-22-32/",
   "products": [],
   "summary": "RBI extends MSME loan restructuring without asset downgrade for standard accounts as of March 31, 2021, with aggregate exposure up to ₹25 crore. Invocation deadline is September 30, 2021; implementation within 90 days. Mandatory 10% provision on residual debt.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12086&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/31",
   "title": "RBI Resolution Framework 2.0 for Covid-19 Stress",
   "url": "https://bankpulse.ai/c/rbi-2021-22-31/",
   "products": [],
   "summary": "RBI allows lenders to offer resolution plans to individual borrowers and small businesses (exposure up to ₹25 crore as on March 31, 2021) without classifying accounts as NPA, provided accounts were standard as of that date and not previously restructured under Framework 1.0.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12085&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/30",
   "title": "CRR Relief for New MSME Loans Extended to Dec 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-30/",
   "products": [],
   "summary": "RBI extends CRR exemption on fresh credit to new MSME borrowers up to ₹25 lakh per borrower until the fortnight ending December 31, 2021. Banks can deduct such disbursements from NDTL for CRR calculation, freeing up liquidity for MSME lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12084&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/29",
   "title": "KYC Update Relief: No Account Restrictions Till Dec 31, 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-29/",
   "products": [],
   "summary": "RBI has directed all regulated entities not to impose restrictions on customer accounts solely due to pending periodic KYC updation until December 31, 2021, given COVID-19 disruptions. Banks must still actively engage customers to complete KYC.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12083&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/28",
   "title": "RBI allows 100% use of floating provisions for NPA coverage till March 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-28/",
   "products": [],
   "summary": "RBI now permits scheduled commercial banks (excluding RRBs and payments banks) to utilise 100% of floating provisions and countercyclical provisioning buffer held as on Dec 31, 2020, for specific NPA provisions, with board approval, effective immediately until March 31, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12082&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/27",
   "title": "PSL On-lending by SFBs to NBFC-MFIs: COVID Relief",
   "url": "https://bankpulse.ai/c/rbi-2021-22-27/",
   "products": [],
   "summary": "RBI now allows Small Finance Banks to classify fresh on-lending to small NBFC-MFIs (loan portfolio up to ₹500 crore) as Priority Sector Lending, up to 10% of their total PSL portfolio, until March 31, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12081&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/26",
   "title": "Exim Bank's $250 mn LoC to Mozambique: RBI Circular",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-26/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's $250 mn GoI-supported Line of Credit to Mozambique for power supply improvement. Exports must meet FEMA/FTP rules; 75% contract value from India. No agency commission payable; remittance allowed post-realization.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12080&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/25",
   "title": "RBI Revamps Auditor Appointment Rules for Banks and NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2021-22-25/",
   "products": [],
   "summary": "RBI issued consolidated guidelines for appointing Statutory Central Auditors (SCAs) and Statutory Auditors (SAs) for commercial banks (excluding RRBs), UCBs, and NBFCs from FY 2021-22. Key changes include prior RBI approval for commercial banks (excluding RRBs) and UCBs, joint audit for entities wit",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12079&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/24",
   "title": "RBI Tightens Board Governance Norms for Private Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-24/",
   "products": [],
   "summary": "RBI has issued new governance rules for private banks, SFBs, and foreign bank subsidiaries. Key changes: board chair must be independent, stricter committee composition, and limits on director tenure/remuneration. Banks must comply immediately, overriding prior circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12078&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 12:09 IST",
   "published_at_iso": "2026-06-19T12:09:00+05:30"
  },
  {
   "ref": "RBI/2021-22/47",
   "title": "MSME Restructuring Threshold Raised to ₹50 Crore",
   "url": "https://bankpulse.ai/c/rbi-2021-22-47/",
   "products": [],
   "summary": "RBI has increased the aggregate exposure limit for MSME restructuring under Resolution Framework 2.0 from ₹25 crore to ₹50 crore as on March 31, 2021, expanding eligibility for more borrowers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12105&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/46",
   "title": "Covid Resolution 2.0: Exposure cap raised to ₹50 crore",
   "url": "https://bankpulse.ai/c/rbi-2021-22-46/",
   "products": [],
   "summary": "RBI has increased the aggregate exposure threshold for eligible borrowers under the Covid Resolution Framework 2.0 from ₹25 crore to ₹50 crore, effective immediately, expanding the pool of individuals and small businesses that can be considered for loan resolution.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12104&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/45",
   "title": "RBI Clarifies: 2018 VC Circular No Longer Valid",
   "url": "https://bankpulse.ai/c/rbi-2021-22-45/",
   "products": [],
   "summary": "RBI has clarified that its 2018 circular restricting banks from dealing with virtual currencies is no longer valid after the Supreme Court set it aside in March 2020. Banks must stop citing that circular but still apply standard KYC/AML/CFT and FEMA norms for VC transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12103&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/44",
   "title": "FPI Investment Limits in G-Secs and SDLs for FY 2021-22",
   "url": "https://bankpulse.ai/c/rbi-2021-22-44/",
   "products": [],
   "summary": "RBI has kept FPI investment limits in government securities at 6% and SDLs at 2% of outstanding stocks for FY 2021-22. The 50:50 split between General and Long-term sub-categories for G-secs continues, with absolute limits revised upward for the first and second halves of the year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12102&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/43",
   "title": "New Vijayanagara District in Karnataka: Lead Bank Assigned",
   "url": "https://bankpulse.ai/c/rbi-2021-22-43/",
   "products": [],
   "summary": "RBI has assigned State Bank of India as the lead bank for the newly formed Vijayanagara district in Karnataka, carved from Ballari. Banks must update BSR reporting with the new district working code '00S'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12101&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/42",
   "title": "RBI Guidelines for DCCB-StCB Amalgamation",
   "url": "https://bankpulse.ai/c/rbi-2021-22-42/",
   "products": [],
   "summary": "RBI issued guidelines for amalgamating District Central Co-operative Banks with State Co-operative Banks, effective April 1, 2021. Proposals require State Government study, NABARD recommendation, and shareholder approval. Two-stage approval process with financial criteria including CRAR above minimu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12096&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/41",
   "title": "RBI Extends Payment System Compliance Deadlines Amid COVID-19",
   "url": "https://bankpulse.ai/c/rbi-2021-22-41/",
   "products": [],
   "summary": "RBI has extended deadlines for payment system compliance due to COVID-19 resurgence. Key changes: non-bank PPI issuers now have until Sept 30, 2021 to meet net-worth requirements; TAT compensation rules use 'working days' until same date; system audit reports and PA authorization deadlines also push",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12095&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/40",
   "title": "RBI mandates PPI interoperability, hikes limit to ₹2 lakh, allows cash withdrawal",
   "url": "https://bankpulse.ai/c/rbi-2021-22-40/",
   "products": [],
   "summary": "RBI mandates full-KYC PPI interoperability via UPI/card networks by March 31, 2022, raises wallet limit to ₹2 lakh, and permits cash withdrawal from non-bank PPIs up to ₹2,000 per transaction (₹10,000/month).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12094&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/39",
   "title": "SGB 2021-22 Series I-VI: Subscription Schedule & Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2021-22-39/",
   "products": [],
   "summary": "RBI notifies six tranches of Sovereign Gold Bonds for FY 2021-22, with subscription windows from May to September 2021. Banks (excluding RRBs, SFBs, Payment Banks), post offices, SHCIL, and stock exchanges can accept applications. PAN is mandatory for investors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12093&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/38",
   "title": "Sponsor Contribution to Overseas AIFs Treated as ODI",
   "url": "https://bankpulse.ai/c/rbi-2021-22-38/",
   "products": [],
   "summary": "RBI now treats sponsor contributions by Indian parties to overseas AIFs (including IFSCs) as Overseas Direct Investment under automatic route, subject to FEMA 120/2004-RB Regulation 7 compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12092&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/37",
   "title": "RBI cuts interest rate on unclaimed deposits to 3%",
   "url": "https://bankpulse.ai/c/rbi-2021-22-37/",
   "products": [],
   "summary": "RBI has reduced the interest rate payable on unclaimed interest-bearing deposits transferred to the DEA Fund to 3% simple interest per annum, effective May 11, 2021. Banks must apply this rate from that date onwards for all future claims.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12091&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/36",
   "title": "Private Sector Banks as RBI Agency Banks: New Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2021-22-36/",
   "products": [],
   "summary": "RBI has lifted the embargo on allocating government business to private sector banks, effective from the date of the circular (May 10, 2021). Existing private sector agency banks can continue without fresh approval; new banks need an agreement with RBI and must not be under PCA or moratorium at the ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12090&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:59 IST",
   "published_at_iso": "2026-06-19T11:59:00+05:30"
  },
  {
   "ref": "RBI/2021-22/77",
   "title": "Current Account Rules: Extended Deadline & Clarifications",
   "url": "https://bankpulse.ai/c/rbi-2021-22-77/",
   "products": [],
   "summary": "RBI extends current account rule implementation to Oct 31, 2021, and clarifies exemptions for CIT/CRAs. Banks must use this time to resolve borrower issues, escalate to IBA if needed, and set up monitoring mechanisms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12137&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/57",
   "title": "UNSC Sanctions List Update: One Individual Added",
   "url": "https://bankpulse.ai/c/rbi-2021-22-57/",
   "products": [],
   "summary": "RBI directs all regulated entities to note the addition of Mohammad Ali Al Habbo to the UNSC ISIL/Al-Qaida sanctions list. Entities must freeze assets and ensure no accounts exist for this individual, as per UAPA Section 51A.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12116&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/56",
   "title": "LRS Reporting Moves from ORFS to XBRL System",
   "url": "https://bankpulse.ai/c/rbi-2021-22-56/",
   "products": [],
   "summary": "RBI has shifted Liberalised Remittance Scheme (LRS) data reporting from ORFS to XBRL system. AD Category-I banks must upload monthly LRS data on XBRL by the 5th of the following month, starting July 1, 2021. Nil returns are mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12115&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/55",
   "title": "RBI Curbs Investments in PSOs from FATF Non-Compliant Jurisdictions",
   "url": "https://bankpulse.ai/c/rbi-2021-22-55/",
   "products": [],
   "summary": "RBI has restricted new investments in Payment System Operators (PSOs) from FATF non-compliant jurisdictions. Fresh investors from such jurisdictions cannot acquire significant influence (over 20% voting power) in PSOs. Existing investors may continue or add investments per regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12114&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/54",
   "title": "BBPS Now Accepts Mobile Prepaid Recharges",
   "url": "https://bankpulse.ai/c/rbi-2021-22-54/",
   "products": [],
   "summary": "RBI has permitted mobile prepaid recharges as a new biller category in BBPS, on a voluntary basis. Banks and participants must implement this by August 31, 2021, expanding the platform's scope beyond recurring bills.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12113&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/52",
   "title": "ATM Interchange Fee and Customer Charges Revised",
   "url": "https://bankpulse.ai/c/rbi-2021-22-52/",
   "products": [],
   "summary": "RBI has deregulated ATM interchange fees, allowing networks to set them, and increased the maximum customer charge per transaction to ₹23 from May 1, 2025. Free transaction limits remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12111&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/51",
   "title": "Preserve 2016 CCTV recordings until further orders",
   "url": "https://bankpulse.ai/c/rbi-2021-22-51/",
   "products": [],
   "summary": "RBI extends the preservation mandate for CCTV recordings from Nov 8 to Dec 30, 2016, at branches and currency chests. Banks must keep these recordings safe until further notice due to ongoing investigations and court cases.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12110&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/50",
   "title": "FPI G-Sec Trade Reporting: New NDS-OM Timeline",
   "url": "https://bankpulse.ai/c/rbi-2021-22-50/",
   "products": [],
   "summary": "RBI now allows FPIs and custodian banks up to three hours after market close to report OTC government securities trades to NDS-OM, easing earlier same-day deadlines. Domestic counterparties must still report as before, with CDSL handling dissemination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12109&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/79",
   "title": "RBI's New Certificate of Deposit Master Direction 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-79/",
   "products": [],
   "summary": "RBI issued a consolidated Master Direction for Certificates of Deposit (CDs), effective June 07, 2021, superseding Section III of the 2016 Master Direction. It updates definitions, aligns with recent monetary policy announcements, and incorporates public feedback to enhance flexibility in liquidity ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12108&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/49",
   "title": "RBI extends deadline for co-op banks' annual returns to Sept 30",
   "url": "https://bankpulse.ai/c/rbi-2021-22-49/",
   "products": [],
   "summary": "RBI has given co-operative banks an extra three months—until September 30, 2021—to file annual accounts and balance sheets under Section 31 of the Banking Regulation Act, 1949, due to COVID-19 disruptions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12107&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/48",
   "title": "RBI allows banks to lend to FPIs for G-sec margin payments",
   "url": "https://bankpulse.ai/c/rbi-2021-22-48/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to lend to Foreign Portfolio Investors for placing margins with CCIL on government securities transactions, effective immediately under FEMA regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12106&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:47 IST",
   "published_at_iso": "2026-06-19T11:47:00+05:30"
  },
  {
   "ref": "RBI/2021-22/69",
   "title": "RBI's LIBOR Transition Roadmap: Key Deadlines and Actions",
   "url": "https://bankpulse.ai/c/rbi-2021-22-69/",
   "products": [],
   "summary": "RBI encourages banks to stop new LIBOR-linked contracts by Dec 31, 2021, and shift to Alternative Reference Rates (ARR). USD LIBOR settings continue till June 30, 2023, but only for legacy roll-off. Banks are encouraged to adopt robust fallback clauses and cease MIFOR usage by year-end.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12128&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/68",
   "title": "Shivalik Small Finance Bank Added to RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2021-22-68/",
   "products": [],
   "summary": "RBI has included Shivalik Small Finance Bank in the Second Schedule of the RBI Act, 1934, effective June 15, 2021. This grants it scheduled bank status, enhancing its regulatory standing and access to central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12127&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/67",
   "title": "Retail & Wholesale Trade Now Eligible as MSMEs for Priority Sector Lending (via Ministry of MSME)",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-67/",
   "products": [],
   "summary": "The Ministry of MSME has expanded the MSME definition to include retail and wholesale trade under specific NIC codes for priority sector lending. Enterprises with existing Udyog Aadhaar Memorandums under these codes can migrate to the Udyam Registration Portal or file afresh, boosting credit access ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12126&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/66",
   "title": "RBI Revises Interest on Overdue Term Deposits",
   "url": "https://bankpulse.ai/c/rbi-2021-22-66/",
   "products": [],
   "summary": "RBI now requires banks to pay interest on overdue term deposits at the lower of the savings account rate or the original contracted rate, replacing the earlier rule of only savings rate.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12125&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/65",
   "title": "Interest Equalisation Scheme Extended Till Sep 30, 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-65/",
   "products": [],
   "summary": "RBI extends the Interest Equalisation Scheme on pre and post-shipment rupee export credit by three months, up to September 30, 2021, with same scope and coverage. Banks must continue existing operational instructions for this period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12124&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/64",
   "title": "RBI Outsourcing Risk Guidelines for Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-64/",
   "products": [],
   "summary": "RBI issued guidelines for co-operative banks to manage risks in outsourcing financial services. Banks must self-assess existing arrangements and align within six months. Core functions like policy, audit, KYC, and credit sanction cannot be outsourced.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12123&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/63",
   "title": "MSME Registration Validity Extended to Dec 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-63/",
   "products": [],
   "summary": "RBI extends validity of MSME registrations (EM Part II/Udyog Aadhaar) obtained till June 30, 2020, to December 31, 2021. No other changes to the MSME definition circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12122&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/62",
   "title": "Mandatory Chief Risk Officer for Large Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-62/",
   "products": [],
   "summary": "RBI mandates all Primary Urban Co-operative Banks with asset size of ₹5,000 crore or above to appoint a Chief Risk Officer by March 31, 2022, with fixed tenure, board approval, and independence from business roles.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12121&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/61",
   "title": "Revised Prudential Borrowing Limits for Money Markets",
   "url": "https://bankpulse.ai/c/rbi-2021-22-61/",
   "products": [],
   "summary": "RBI has revised prudential borrowing limits for Call, Notice, and Term Money Markets. Scheduled commercial banks can now borrow up to 100% of capital funds daily average and 125% on any day. Co-operative banks are capped at 2% of aggregate deposits. Effective from June 25, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12120&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/60",
   "title": "RBI Tightens MD/WTD Appointment Rules for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-60/",
   "products": [],
   "summary": "RBI has issued new directions for appointment, re-appointment, and removal of MD/WTD in Primary Urban Co-operative Banks. UCBs with deposits under ₹100 crore are exempt from prior approval but must follow board-approved policies and report appointments. All UCBs must review fit-and-proper status of ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12119&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/59",
   "title": "RBI's New Dividend Rules for NBFCs: Key Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2021-22-59/",
   "products": [],
   "summary": "RBI has issued a circular prescribing uniform dividend distribution guidelines for all NBFCs, effective for dividends from profits of the financial year ending March 31, 2022. NBFCs must meet minimum prudential requirements like capital adequacy and net NPA below 6% for each of the last three years ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12118&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/58",
   "title": "Gold Metal Loans: Partial Repayment in Physical Gold Allowed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-58/",
   "products": [],
   "summary": "RBI now permits borrowers to repay part of Gold Metal Loans in physical gold (min 1 kg lots) if the loan was sourced from locally procured or GMS-linked gold. Banks must update board-approved policies and ensure transparent borrower disclosure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12117&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:41 IST",
   "published_at_iso": "2026-06-19T11:41:00+05:30"
  },
  {
   "ref": "RBI/2021-22/81",
   "title": "LIBOR Transition: Derivative Restructuring Norms Relaxed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-81/",
   "products": [],
   "summary": "RBI clarifies that changing a derivative contract's reference rate from LIBOR to an alternative rate won't count as restructuring, provided all other contract terms stay unchanged. This eases compliance for banks during the global LIBOR transition.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12141&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/80",
   "title": "COVID Resolution Plan: Operational Ratio Deadline Extended to Oct 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-80/",
   "products": [],
   "summary": "RBI has extended the deadline for borrowers under COVID resolution plans to meet four operational financial ratios (Total Debt/EBITDA, Current Ratio, DSCR, ADSCR) to October 1, 2022. The TOL/ATNW ratio deadline remains March 31, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12140&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/79",
   "title": "Export Credit in Foreign Currency: New Benchmark Rate Flexibility",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-79/",
   "products": [],
   "summary": "RBI now permits banks to use any widely accepted Alternative Reference Rate instead of LIBOR for export credit in foreign currency. This change applies to Pre-shipment Credit in Foreign Currency (PCFC) and aims to ease the transition away from LIBOR.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12139&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/78",
   "title": "Exim Bank's USD 30 mn Line of Credit to Sierra Leone",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-78/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 30 million GoI-supported Line of Credit to Sierra Leone for land and irrigation infrastructure. Banks must guide exporters on LoC terms, including 75% Indian content requirement and no agency commission rule.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12138&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/76",
   "title": "RBI Outsourcing Framework for Payment System Operators",
   "url": "https://bankpulse.ai/c/rbi-2021-22-76/",
   "products": [],
   "summary": "RBI issued a framework for non-bank Payment System Operators (PSOs) to manage risks in outsourcing payment and settlement activities. Compliance is mandatory by March 31, 2022, covering all existing and new arrangements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12136&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/75",
   "title": "Penal Interest on Excess/Double Claims in State Govt Accounts",
   "url": "https://bankpulse.ai/c/rbi-2021-22-75/",
   "products": [],
   "summary": "Agency banks must now pay penal interest (Bank Rate + 2%) on excess put-through or double claims in State Government payment scrolls, from the date they received the excess amount until the day before returning it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12135&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/74",
   "title": "HFC Deposit Ratings Aligned with NBFC Norms",
   "url": "https://bankpulse.ai/c/rbi-2021-22-74/",
   "products": [],
   "summary": "RBI has aligned HFC deposit rating requirements with NBFC rules, updating approved credit rating agencies and minimum investment grade ratings. HFCs must now use the revised list to accept public deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12134&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/73",
   "title": "Non-banks get direct access to RTGS and NEFT",
   "url": "https://bankpulse.ai/c/rbi-2021-22-73/",
   "products": [],
   "summary": "RBI now allows authorised non-bank payment system providers—PPI issuers, card networks, and WLA operators—to directly join RTGS and NEFT as members, reducing their reliance on banks and lowering systemic risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12133&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/72",
   "title": "RBI Revises Loan Restrictions for Directors' Relatives",
   "url": "https://bankpulse.ai/c/rbi-2021-22-72/",
   "products": [],
   "summary": "RBI raised the personal loan threshold for directors of other banks from ₹25 lakh to ₹5 crore and revised limits for loans to certain relatives of directors, requiring board approval for loans of ₹5 crore and above.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12132&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/80",
   "title": "CRR and SLR Master Direction 2021: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-80/",
   "products": [],
   "summary": "RBI consolidated CRR and SLR rules for all scheduled banks, including RRBs, SFBs, and co-ops. It defines aggregate deposits, savings bank apportionment, and approved securities. Compliance is via statutory returns. Effective from July 20, 2021, with updates through December 16, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12131&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/71",
   "title": "RBI extends ATM cassette swap deadline to March 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-71/",
   "products": [],
   "summary": "RBI has extended the deadline for implementing lockable cassette swaps in all ATMs from March 31, 2021 to March 31, 2022, following representations from banks citing difficulties. Banks must now report quarterly progress to RBI starting September 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12130&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/2021-22/70",
   "title": "Mandatory Leave for Sensitive Bank Roles: RBI Updates Norms",
   "url": "https://bankpulse.ai/c/rbi-2021-22-70/",
   "products": [],
   "summary": "RBI mandates banks to enforce a 10-working-day mandatory leave annually for employees in sensitive positions, without prior notice, to curb fraud. Employees must lose access to work resources during leave. Banks have six months to comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12129&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:33 IST",
   "published_at_iso": "2026-06-19T11:33:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/81",
   "title": "Investment Portfolio Rules: Classification, Valuation & Operation",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-81/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on classification, valuation, and operation of commercial banks' investment portfolios into a single Master Direction effective August 25, 2021. It applies to all commercial banks except RRBs, including Small Finance Banks and Payments Banks as specified.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12153&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/92",
   "title": "Tokenisation Extended to Laptops, Wearables, IoT Devices",
   "url": "https://bankpulse.ai/c/rbi-2021-22-92/",
   "products": [],
   "summary": "RBI now allows card tokenisation for laptops, desktops, wearables, and IoT devices, expanding beyond mobile phones and tablets. This aims to boost secure, convenient digital payments across more consumer devices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12152&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/91",
   "title": "HFCs Notified as Financial Institutions Under SARFAESI Act",
   "url": "https://bankpulse.ai/c/rbi-2021-22-91/",
   "products": [],
   "summary": "Government of India, via Gazette Notification S.O. 2405(E) dated June 17, 2021, has notified HFCs registered under Section 29A(5) of the National Housing Bank Act, 1987 and having assets worth ₹100 crore and above as 'Financial Institution' under Section 2(1)(m)(iv) of SARFAESI Act. Consequently, th",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12151&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/90",
   "title": "New Malerkotla District: Lead Bank & Working Code Assigned",
   "url": "https://bankpulse.ai/c/rbi-2021-22-90/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for Punjab's new Malerkotla district, carved from Sangrur. Banks must use new working code '00T' for BSR reporting. No changes to other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12150&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/89",
   "title": "Exim Bank's USD 20.51 mn Line of Credit to Guinea for Hospital Projects",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-89/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 20.51 million LoC to Guinea for hospital construction. At least 75% of contract value must be sourced from India. Banks must facilitate exports under FEMA rules and inform exporters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12149&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/88",
   "title": "Exim Bank's USD 170 mn LoC to Guinea for Water Project",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-88/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 170 million Government of India-supported Line of Credit to Guinea for drinking water supply. At least 75% of contract value must be sourced from India. No agency commission is payable, but exporters can use own resources for commission after expor",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12148&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/87",
   "title": "Exim Bank USD 20.22 mn LoC to Guinea for Solar Projects",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-87/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 20.22 million GoI-supported Line of Credit to Guinea for two solar projects. Banks must advise exporters on LoC terms, including 75% Indian content requirement, no agency commission, and 60-month utilization period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12147&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/86",
   "title": "RBI Revises Safe Deposit Locker Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-86/",
   "products": [],
   "summary": "RBI issued revised instructions for safe deposit lockers and safe custody articles, effective January 1, 2022. Banks must update their Board-approved policies, enhance customer due diligence, and adopt new liability norms. The changes apply to both new and existing lockers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12146&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/85",
   "title": "USD 100 mn LoC to Mauritius for Defence Imports from India",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-85/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 100 million Line of Credit to Mauritius for defence procurement from India. At least 75% of contract value must be sourced from India. No agency commission is payable, but exporters may use own resources or EEFC balances for commission after ful",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12145&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/84",
   "title": "RBI Penalty Scheme for ATM Cash-Outs from Oct 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-84/",
   "products": [],
   "summary": "From October 1, 2021, banks and WLAOs must ensure ATMs have cash. Any ATM with cash-out exceeding 10 hours in a month will attract a flat penalty of ₹10,000 per ATM. Monthly statements on downtime due to cash-outs must be submitted to RBI within five days of the following month.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12144&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/83",
   "title": "Collateral-free SHG loans under DAY-NRLM doubled to ₹20 lakh",
   "url": "https://bankpulse.ai/c/rbi-2021-22-83/",
   "products": [],
   "summary": "RBI has raised the collateral-free loan limit for Self Help Groups under DAY-NRLM from ₹10 lakh to ₹20 lakh, aligning with CGFMU amendments. Loans above ₹10 lakh and up to ₹20 lakh now qualify for credit guarantee coverage without collateral or lien on savings accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12143&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/2021-22/82",
   "title": "MSF SLR Dip Relaxation Extended to Dec 31, 2021",
   "url": "https://bankpulse.ai/c/rbi-2021-22-82/",
   "products": [],
   "summary": "RBI extends the MSF relaxation allowing banks to borrow an additional 1% of NDTL under SLR, cumulatively up to 3%, until December 31, 2021, to support liquidity and LCR compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12142&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:24 IST",
   "published_at_iso": "2026-06-19T11:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/85",
   "title": "RBI's 2021 Securitisation Master Direction: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-85/",
   "products": [],
   "summary": "RBI issued a consolidated Master Direction on securitisation of standard assets, effective September 24, 2021, replacing all prior instructions. It applies to all scheduled commercial banks (except RRBs), small finance banks, term financial institutions, NBFCs, and HFCs, aiming to standardise and st",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12165&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/100",
   "title": "Master Circular on Investments by Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-100/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary Urban Co-operative Banks into a single Master Circular, covering SLR, non-SLR, broker limits, and valuation. Key unchanged rule: total shareholding in other co-op societies capped at 2% of owned funds, with a 5% per-society limit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12164&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2021-22/84",
   "title": "Master Direction – Reserve Bank of India (Market-makers in OTC Derivatives) Directions, 2021",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2021-22-84/",
   "products": [],
   "summary": "RBI issued a consolidated Master Direction for OTC derivatives market-makers, effective January 3, 2022, replacing the earlier Comprehensive Guidelines on Derivatives. It defines key products like bond forwards, credit default swaps, and currency swaps, and applies to all eligible market participant",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12163&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/99",
   "title": "UN Sanctions List Update: One Individual Removed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-99/",
   "products": [],
   "summary": "RBI directs all regulated entities to note the removal of one individual (Khalifa Muhammad Turki Al Subaiy) from the UNSC 1267/1989 ISIL & Al-Qaida Sanctions List, effective September 2021. Entities must update their screening databases and ensure no frozen accounts remain for this individual.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12162&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/98",
   "title": "Aadhaar e-KYC Licence Route for NBFCs and Payment Firms",
   "url": "https://bankpulse.ai/c/rbi-2021-22-98/",
   "products": [],
   "summary": "RBI has opened a channel for NBFCs, payment system providers, and participants to apply for Aadhaar e-KYC authentication licences (KUA/sub-KUA) via the Department of Regulation, for onward submission to UIDAI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12161&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/97",
   "title": "LEF: CRM for Foreign Bank HO Derivative Exposures",
   "url": "https://bankpulse.ai/c/rbi-2021-22-97/",
   "products": [],
   "summary": "RBI now allows foreign bank branches in India to use specific funds held with RBI as credit risk mitigation for non-centrally cleared derivative exposures to their Head Office, subject to conditions like auditor certification and disclosure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12160&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/96",
   "title": "RBI Expands Card Tokenisation to Card-on-File (CoFT) Services",
   "url": "https://bankpulse.ai/c/rbi-2021-22-96/",
   "products": [],
   "summary": "RBI now permits Card-on-File Tokenisation (CoFT) for card payments, extending device-based tokenisation to stored card credentials. Card issuers can act as Token Service Providers. From Jan 1, 2022, no entity except card issuers/networks can store actual card data; existing stored data must be purge",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12159&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/83",
   "title": "Master Direction on Financial Statements – Presentation and Disclosures",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-83/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on financial statement presentation and disclosures into a single Master Direction, effective August 30, 2021, with updates through July 2025. It applies to all commercial banks, urban co-operative banks, and rural co-operative banks, replacing scattered circ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12158&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/95",
   "title": "RBI Clarifies Expense Recognition for Share-Linked Compensation",
   "url": "https://bankpulse.ai/c/rbi-2021-22-95/",
   "products": [],
   "summary": "RBI now mandates that banks must recognise the fair value of share-linked compensation as an expense from the accounting period when approval is granted, effective for instruments granted after March 31, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12157&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/DPSS/2021-22/82",
   "title": "RBI Master Directions on Prepaid Payment Instruments (2021)",
   "url": "https://bankpulse.ai/c/rbi-dpss-2021-22-82/",
   "products": [],
   "summary": "RBI has consolidated and updated its Master Directions on PPIs, effective from August 27, 2021, with amendments through December 27, 2024. The framework covers authorization, regulation, interoperability, and customer protection for all PPI issuers and system participants.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12156&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/94",
   "title": "Indo-Nepal Remittance Scheme: Limits Raised, Caps Removed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-94/",
   "products": [],
   "summary": "RBI has raised the per-transaction ceiling for Indo-Nepal remittances via NEFT from ₹50,000 to ₹2 lakh and removed the annual cap of 12 remittances per remitter, effective October 1, 2021. Cash remittances retain the old limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12155&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/93",
   "title": "RBI Boosts Coin Distribution Incentives to ₹65 per Bag",
   "url": "https://bankpulse.ai/c/rbi-2021-22-93/",
   "products": [],
   "summary": "RBI has revised the coin distribution incentive from ₹25 to ₹65 per bag effective September 1, 2021, with an additional ₹10 per bag for rural and semi-urban areas. Banks must pass incentives to linked branches within one week and now can supply coins to bulk customers and engage BCs and CIT entities",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12154&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:17 IST",
   "published_at_iso": "2026-06-19T11:17:00+05:30"
  },
  {
   "ref": "RBI/2021-22/111",
   "title": "Mandatory Reporting of Relationship Segment Data to CICs",
   "url": "https://bankpulse.ai/c/rbi-2021-22-111/",
   "products": [],
   "summary": "RBI has made reporting of Relationship Segment (RS) data to Credit Information Companies mandatory for all lenders, with staggered timelines starting from new accounts opened after July 1, 2022. This aims to improve cross-linkages across Consumer, Commercial, and MFI bureaus.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12178&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/110",
   "title": "PSL On-Lending to NBFCs Extended Till March 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-110/",
   "products": [],
   "summary": "RBI has extended the PSL classification for bank loans to NBFCs (excluding MFIs) for on-lending until March 31, 2022. This move supports credit flow to underserved segments. Loans disbursed under this model remain PSL until repayment or maturity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12177&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/109",
   "title": "Paytm Payments Bank added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2021-22-109/",
   "products": [],
   "summary": "RBI has officially included Paytm Payments Bank Limited in the Second Schedule of the RBI Act, 1934, granting it scheduled bank status. This means it now enjoys the same regulatory privileges and obligations as other scheduled commercial banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12176&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/108",
   "title": "Revised VFT Guidelines for Government Securities",
   "url": "https://bankpulse.ai/c/rbi-2021-22-108/",
   "products": [],
   "summary": "RBI has revised Value Free Transfer (VFT) guidelines for government securities, effective October 5, 2021. VFT allows security transfers between SGL/CSGL accounts without a corresponding payment leg. Eligible transactions include gifts, inheritance, inter-depository transfers, mergers, and collatera",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12175&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/107",
   "title": "Revised SGL and CSGL Account Guidelines Issued",
   "url": "https://bankpulse.ai/c/rbi-2021-22-107/",
   "products": [],
   "summary": "RBI has issued revised eligibility and operational guidelines for SGL and CSGL accounts, superseding the October 2018 version. These are effective from September 22, 2021, under the Government Securities Act 2006.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12174&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/106",
   "title": "RBI clarifies eligible limit for foreign currency AT1 bonds",
   "url": "https://bankpulse.ai/c/rbi-2021-22-106/",
   "products": [],
   "summary": "RBI has clarified that the 'eligible amount' for issuing Perpetual Debt Instruments (PDI) in foreign currency or rupee bonds overseas is the higher of 1.5% of RWAs or total AT1 capital as of March 31 of the previous year. Only up to 49% of this amount can be raised overseas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12173&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-22/105",
   "title": "Family Pension Hike: Amortisation Allowed Over 5 Years",
   "url": "https://bankpulse.ai/c/rbi-2021-22-105/",
   "products": [],
   "summary": "RBI allows banks under the 11th Bipartite Settlement to amortise the additional family pension liability over up to 5 years, starting FY2021-22, with a minimum 1/5th expense each year. Full recognition is required; amortisation is an exceptional relief.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12172&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/104",
   "title": "Master Circular: Prudential Norms on IRAC for Advances",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-104/",
   "products": [],
   "summary": "RBI consolidated all existing prudential norms on income recognition, asset classification, and provisioning (IRAC) for advances into a single master circular, effective October 1, 2021. This replaces the July 2015 master circular and includes all updates issued up to this date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12171&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/103",
   "title": "Exim Bank USD 100 mn LoC to Sri Lanka for Solar Energy",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-103/",
   "products": [],
   "summary": "RBI notified a USD 100 million Government of India-supported Line of Credit from Exim Bank to Sri Lanka for solar energy projects. At least 75% of contract value must be sourced from India. AD Category-I banks must facilitate exports under this LoC with no agency commission from LoC funds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12170&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/102",
   "title": "Exim Bank USD 15 mn LoC to Sierra Leone for water projects",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-102/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 15 million GoI-supported Line of Credit to Sierra Leone for rehabilitating potable water facilities. Banks must guide exporters on LoC terms, including 75% Indian content, no agency commission, and EDF declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12169&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/101",
   "title": "RBI allows alternative reference rates for export/import interest",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-101/",
   "products": [],
   "summary": "RBI now permits AD banks to use any widely accepted alternative reference rate (e.g., SOFR, SONIA) instead of LIBOR for interest on export/import transactions, effective immediately. This aligns with global LIBOR cessation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12168&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/86",
   "title": "RBI Master Direction on Transfer of Loan Exposures 2021",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-86/",
   "products": [],
   "summary": "RBI issued a comprehensive framework for loan transfers, effective immediately, replacing all prior instructions. It covers banks, NBFCs, and AIFIs, detailing rules for both stressed and standard loan sales, with specific restrictions for RRBs and co-operative banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12166&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:08 IST",
   "published_at_iso": "2026-06-19T11:08:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/122",
   "title": "Exim Bank's $10.4M LoC to Eswatini for Disaster Recovery Site",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-122/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's $10.4 million LoC to Eswatini for a Disaster Recovery Site. At least 75% of contract value must be sourced from India. Banks must ensure EDF declarations and may allow commission remittance after export realization.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12190&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/121",
   "title": "Master Circular on Guarantees and Co-acceptances",
   "url": "https://bankpulse.ai/c/rbi-2021-22-121/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on guarantees and co-acceptances for scheduled commercial banks (excluding Payments Banks and RRBs) as of November 9, 2021. Key norms include a 10-year guarantee maturity cap (with exceptions for long-term project loans), focus on financial guarantees, and fr",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12189&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/120",
   "title": "FPIs Now Allowed to Invest in InvIT and REIT Debt Securities",
   "url": "https://bankpulse.ai/c/rbi-2021-22-120/",
   "products": [],
   "summary": "RBI now permits FPIs to invest in debt securities issued by InvITs and REITs under the Medium-Term Framework or Voluntary Retention Route, effective from October 21, 2021. This follows the Union Budget 2021-22 announcement and amendments to FEMA Debt Instruments Regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12188&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/119",
   "title": "Master Circular: Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2021-22-119/",
   "products": [],
   "summary": "RBI consolidated all instructions on guarantees, co-acceptances, and letters of credit for Primary Urban Co-operative Banks (UCBs) as of Nov 1, 2021. Key limits: total guarantees capped at 10% of owned resources, unsecured guarantees at 25% of owned funds or total guarantees (whichever less), and gu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12187&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/118",
   "title": "Revised PCA Framework for Scheduled Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-118/",
   "products": [],
   "summary": "RBI revised the Prompt Corrective Action (PCA) framework effective January 1, 2022, focusing on capital, asset quality, and leverage. Breaches in CRAR, CET1, NNPA, or Tier 1 Leverage Ratio trigger mandatory and discretionary corrective actions, with exit requiring four consecutive quarters of no bre",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12186&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/117",
   "title": "Master Circular: IRAC Norms for Urban Co-op Banks (2021)",
   "url": "https://bankpulse.ai/c/rbi-2021-22-117/",
   "products": [],
   "summary": "RBI consolidated all IRAC norms for Primary Urban Co-operative Banks into a single master circular as of Nov 1, 2021. It covers NPA classification, income recognition, provisioning, and restructuring guidelines, replacing the July 2015 circular. Banks must adopt objective recovery-based income recog",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12185&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/116",
   "title": "Current Account Rules for Borrowers: RBI Tightens Discipline",
   "url": "https://bankpulse.ai/c/rbi-2021-22-116/",
   "products": [],
   "summary": "RBI has revised current account norms for borrowers with CC/OD facilities. For exposures under ₹5 crore, no restrictions apply. For ₹5 crore or more, borrowers can maintain current accounts only with one bank holding at least 10% of total banking exposure, with strict collection account rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12184&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/87",
   "title": "Capital Adequacy Norms for Local Area Banks 2021",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-87/",
   "products": [],
   "summary": "RBI consolidated all capital adequacy guidelines for Local Area Banks into a single Master Direction effective October 26, 2021. It covers components of capital, credit risk, and market risk requirements, replacing earlier piecemeal instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12182&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/114",
   "title": "SGB Procedural Guidelines Consolidated – Oct 2022 Update",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-114/",
   "products": [],
   "summary": "RBI has consolidated all operational guidelines for Sovereign Gold Bonds into one circular, superseding earlier instructions. Receiving Offices must follow these updated procedures for application receipt, servicing, and demat handling. Key changes include unified reference for all current rules and",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12181&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/113",
   "title": "SGB 2021-22 Series VII-X: Subscription Dates & Procedures",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-113/",
   "products": [],
   "summary": "RBI announces four tranches of Sovereign Gold Bonds for FY 2021-22 (Series VII to X) with subscription windows from Oct 2021 to Mar 2022. Banks, post offices, and exchanges can accept applications. PAN is mandatory; online apps need email ID uploaded on Ekuber.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12180&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/112",
   "title": "Scale-Based Regulation for NBFCs: New 4-Layer Framework",
   "url": "https://bankpulse.ai/c/rbi-2021-22-112/",
   "products": [],
   "summary": "RBI introduces a scale-based regulatory framework for NBFCs, classifying them into Base, Middle, Upper, and Top layers based on size, activity, and risk. Effective October 1, 2022, with IPO funding rules from April 1, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12179&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 11:02 IST",
   "published_at_iso": "2026-06-19T11:02:00+05:30"
  },
  {
   "ref": "RBI/2021-22/134",
   "title": "UNSC Sanctions List Updated: One New Individual Added",
   "url": "https://bankpulse.ai/c/rbi-2021-22-134/",
   "products": [],
   "summary": "RBI directs all regulated entities to freeze assets and block accounts of Emraan Ali, newly added to the UNSC ISIL/Al-Qaida sanctions list. Check your customer database immediately and ensure no accounts exist for this individual.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12203&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-19T10:54:00+05:30"
  },
  {
   "ref": "RBI/2021-22/133",
   "title": "RRB Schedule Updates: Baroda UP Bank In, Three Others Out",
   "url": "https://bankpulse.ai/c/rbi-2021-22-133/",
   "products": [],
   "summary": "RBI has included Baroda UP Bank in the Second Schedule of the RBI Act, 1934, and excluded three erstwhile RRBs (Baroda Uttar Pradesh Gramin Bank, Kashi Gomti Samyut Gramin Bank, Purvanchal Bank) via notification DOR.Rur.S1765/31.04.002/2021-22 dated October 12, 2021, published in the Extraordinary G",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12202&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-19T10:54:00+05:30"
  },
  {
   "ref": "RBI/2021-22/132",
   "title": "RBI Withdraws 16 Redundant Circulars on Audit and Supervision",
   "url": "https://bankpulse.ai/c/rbi-2021-22-132/",
   "products": [],
   "summary": "RBI has withdrawn 16 outdated circulars on audit appointments, concurrent audit, auditor remuneration, and UCB supervision as part of RRA 2.0. Banks must now follow the latest superseding circulars listed in the annexure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12201&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-19T10:54:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/124",
   "title": "RBI Retail Direct: Non-Competitive Bidding for Retail Investors",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-124/",
   "products": [],
   "summary": "RBI launched the Retail Direct scheme allowing individuals to invest in government securities via non-competitive bids. CCIL aggregates retail bids; minimum bid is ₹10,000. Banks must facilitate aggregation or guide customers to the RBI portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12193&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-19T10:54:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/123",
   "title": "FCNR(B) Deposit Rates Shift from LIBOR to ARR with 50 bps Hike",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-123/",
   "products": [],
   "summary": "RBI permits banks to use Overnight Alternative Reference Rates (ARR) instead of LIBOR for FCNR(B) deposits, and raises interest rate ceilings by 50 bps across tenors. This aligns with the global LIBOR transition and aims to ease rate-setting for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12191&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:54 IST",
   "published_at_iso": "2026-06-19T10:54:00+05:30"
  },
  {
   "ref": "RBI/2021-22/146",
   "title": "RBI Finalises Framework for Offline Small Value Digital Payments",
   "url": "https://bankpulse.ai/c/rbi-2021-22-146/",
   "products": [],
   "summary": "RBI has formalised a framework for small value digital payments in offline mode, allowing transactions up to ₹500 per payment and ₹2,000 total per instrument without internet or AFA, effective immediately for authorised PSOs and PSPs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12215&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/145",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated with 3 New Entries",
   "url": "https://bankpulse.ai/c/rbi-2021-22-145/",
   "products": [],
   "summary": "RBI directs all regulated entities to immediately screen accounts against three new UNSC sanctions list entries: ASHRAF AL-QIZANI, JUND AL-KHILAFAH IN TUNISIA, and SANAULLAH GHAFARI. Freeze assets, deny services, and report as per UAPA Section 51A obligations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12214&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/144",
   "title": "KYC Update Deadline Extended to March 31, 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-144/",
   "products": [],
   "summary": "RBI extends the relaxation on KYC updation restrictions until March 31, 2022, due to COVID-19 uncertainty. Banks must not impose account operation restrictions for non-compliance during this period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12213&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/143",
   "title": "T-Bill/Cash Management Bill Auction Rules Updated",
   "url": "https://bankpulse.ai/c/rbi-2021-22-143/",
   "products": [],
   "summary": "RBI notified a December 2021 government amendment to the General Notification for T-Bill and Cash Management Bill auctions. The amendment updates the terms and conditions for these auctions, effective from the notification date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12212&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/142",
   "title": "RBI Extends Timeline for Storing Card-on-File Data to June 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-142/",
   "products": [],
   "summary": "RBI has extended the timeline for storing actual card data (CoF) by non-bank payment aggregators and merchants to June 30, 2022. After this date, all such stored data must be purged. Industry can use tokenisation or alternate mechanisms for use cases like recurring payments and chargebacks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12211&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/141",
   "title": "Exim Bank USD 40 mn LoC to Togo for Solar Electrification",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-141/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of a USD 40 million Government of India-supported Line of Credit from Exim Bank to Togo for solar electrification of 350 villages. At least 75% of contract value must be sourced from India. No agency commission is payable, but exporters may use own resources or EEFC ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12210&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/140",
   "title": "Payments & Small Finance Banks Now Eligible for Govt Agency Business",
   "url": "https://bankpulse.ai/c/rbi-2021-22-140/",
   "products": [],
   "summary": "RBI now allows scheduled payments banks and small finance banks to conduct government agency business, subject to regulatory compliance and an agreement with RBI. This expands their role in handling government transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12209&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/139",
   "title": "RBI's PCA Framework for NBFCs: Key Details",
   "url": "https://bankpulse.ai/c/rbi-2021-22-139/",
   "products": [],
   "summary": "RBI introduced a Prompt Corrective Action (PCA) framework for NBFCs effective October 1, 2022, based on the financial position of NBFCs on or after March 31, 2022. It applies to deposit-taking NBFCs (excluding government companies) and non-deposit-taking NBFCs in middle, upper, and top layers (inclu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12208&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/138",
   "title": "MSF Dip into SLR Reduced to 2% from Jan 1, 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-138/",
   "products": [],
   "summary": "From January 1, 2022, banks can only dip into SLR up to 2% of NDTL for overnight MSF borrowing, down from the temporary 3% allowed during COVID. This reverses the emergency relaxation back to normal levels.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12207&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/137",
   "title": "LEI Mandatory for Cross-border Transactions Over ₹50 Crore",
   "url": "https://bankpulse.ai/c/rbi-2021-22-137/",
   "products": [],
   "summary": "From October 1, 2022, AD Category I banks must obtain LEI from resident non-individual entities for FEMA transactions of ₹50 crore and above per transaction. Non-resident entities can proceed without LEI to avoid disruption. Banks must validate LEI against the global GLEIF database.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12206&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/136",
   "title": "RBI eases capital infusion rules for overseas branches",
   "url": "https://bankpulse.ai/c/rbi-2021-22-136/",
   "products": [],
   "summary": "RBI now allows banks meeting capital requirements to infuse capital or transfer profits in overseas branches without prior RBI approval, subject to board approval and reporting within 30 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12205&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/135",
   "title": "RBI revises ECB/TC all-in-cost norms for LIBOR transition",
   "url": "https://bankpulse.ai/c/rbi-2021-22-135/",
   "products": [],
   "summary": "RBI has updated the all-in-cost benchmark and ceiling for foreign currency ECBs and TCs to replace LIBOR with any widely accepted interbank rate or alternative reference rate (ARR). The ceiling is increased by 50 bps for new borrowings and 100 bps for existing ones transitioning from LIBOR.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12204&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:46 IST",
   "published_at_iso": "2026-06-19T10:46:00+05:30"
  },
  {
   "ref": "RBI/2021-22/157",
   "title": "RBI allows foreign currency settled OIS for banks",
   "url": "https://bankpulse.ai/c/rbi-2021-22-157/",
   "products": [],
   "summary": "RBI now permits AD Cat-I banks to offer foreign currency settled Overnight Indexed Swaps (FCS-OIS) based on FBIL's MIBOR to non-residents and other AD Cat-I banks, including via IFSC and foreign branches, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12229&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/156",
   "title": "FPI Debt Investment Limit Under VRR Raised to ₹2.5 Lakh Crore",
   "url": "https://bankpulse.ai/c/rbi-2021-22-156/",
   "products": [],
   "summary": "RBI has increased the Voluntary Retention Route (VRR) investment limit for FPIs in debt from ₹1.5 lakh crore to ₹2.5 lakh crore, effective April 1, 2022. This allows FPIs to invest in Indian debt markets with relaxed regulatory norms, subject to a voluntary retention commitment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12228&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/155",
   "title": "FPI Credit Default Swap Transactions: Operational Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2021-22-155/",
   "products": [],
   "summary": "RBI has set a 5% aggregate limit on CDS protection sold by FPIs against outstanding corporate bonds, effective May 9, 2022. Debt instruments from physical settlement count toward corporate bond investment limits, but are exempt from residual maturity, concentration, and single-investor caps.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12227&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/88",
   "title": "RBI Master Direction on Credit Derivatives 2022 (Updated Jan 2025)",
   "url": "https://bankpulse.ai/c/rbi-2021-22-88/",
   "products": [],
   "summary": "RBI issued final Master Direction for credit derivatives, effective May 9, 2022, replacing 2013 guidelines. It covers OTC and exchange-traded CDS, defines settlement methods, and applies to all eligible market participants. Updated as of January 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12226&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/154",
   "title": "Master Circular for Asset Reconstruction Companies",
   "url": "https://bankpulse.ai/c/rbi-2021-22-154/",
   "products": [],
   "summary": "RBI consolidated all ARC guidelines into one master circular as of Jan 31, 2022. It covers registration, capital adequacy, asset classification, and reporting. ARCs must comply with Ind AS if applicable. Key changes include updated definitions and consolidated instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12225&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/153",
   "title": "UN Sanctions List: One Entry Deleted – UAPA Compliance Update",
   "url": "https://bankpulse.ai/c/rbi-2021-22-153/",
   "products": [],
   "summary": "RBI notifies deletion of one individual (Khalil Jarraya) from UNSC’s ISIL/Al-Qaida sanctions list. Regulated entities must update their screening databases and ensure no frozen accounts remain for this deleted entry.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12224&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/152",
   "title": "UN Sanctions List Updated: 3 Terror Entries Removed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-152/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their records as the UNSC removed three Al-Haramain Foundation entries from the ISIL/Al-Qaida sanctions list. Banks must ensure no accounts exist for delisted entities and follow MHA delisting procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12221&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/151",
   "title": "RBI raises small business customer threshold for LCR and NSFR to ₹7.5 crore",
   "url": "https://bankpulse.ai/c/rbi-2021-22-151/",
   "products": [],
   "summary": "RBI increased the threshold for deposits from non-financial small business customers from ₹5 crore to ₹7.5 crore for LCR and NSFR calculations, effective from the date of the circular (January 6, 2022) for all commercial banks except RRBs, LABs, and Payments Banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12220&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/150",
   "title": "UN Sanctions List Updated: 5 Terror Entries Removed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-150/",
   "products": [],
   "summary": "RBI directs all regulated entities to note the deletion of 5 entries from the UNSC 1267/1989 ISIL & Al-Qaida Sanctions List as of January 4, 2022. Entities must update their screening databases and continue complying with UAPA Section 51A obligations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12219&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/149",
   "title": "Master Circular on Bank Finance to NBFCs (2022)",
   "url": "https://bankpulse.ai/c/rbi-2021-22-149/",
   "products": [],
   "summary": "RBI consolidated all instructions on bank finance to NBFCs into a single master circular as of Jan 5, 2022. Key changes include withdrawal of the NOF-linked ceiling for registered NBFCs and continued restrictions on bridge loans and guarantees. Banks must align policies with prudential norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12218&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/148",
   "title": "Airtel Payments Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2021-22-148/",
   "products": [],
   "summary": "RBI has officially included Airtel Payments Bank Limited in the Second Schedule of the RBI Act, 1934, effective December 2, 2021, granting it scheduled bank status. This means the bank now meets regulatory capital and reporting standards, enhancing its credibility and access to central bank faciliti",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12217&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/147",
   "title": "RBI Retail Direct Scheme Market Making for Primary Dealers",
   "url": "https://bankpulse.ai/c/rbi-2021-22-147/",
   "products": [],
   "summary": "RBI issues Market Making Scheme for Primary Dealers to provide buy/sell quotes on NDS-OM for Retail Direct Gilt Account holders, aiming to ensure liquidity. PDs may provide quotes throughout market hours or via time slots, with simplified KYC for RFQ trades. Incentives include monthly security switc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12216&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:36 IST",
   "published_at_iso": "2026-06-19T10:36:00+05:30"
  },
  {
   "ref": "RBI/2021-22/169",
   "title": "RBI Withdraws 42 Outdated Circulars Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2021-22-169/",
   "products": [],
   "summary": "RBI has withdrawn 42 circulars, some dating back to 1959, covering topics like Section 35B of the Banking Regulation Act, CRR interest, board appointments, Hindi implementation, and FCNR/NRE accounts. This cleanup reduces regulatory clutter for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12241&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-22/168",
   "title": "RRA 2.0: Returns to Go Online, Some Discontinued",
   "url": "https://bankpulse.ai/c/rbi-2021-22-168/",
   "products": [],
   "summary": "RBI will move paper/email-based returns (Annex 1) to online filing; exact date to be notified. Banks must stop submitting returns listed in Annex 2 to DoR, but continue reporting to other departments as before.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12240&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/165",
   "title": "RBI Merges & Moves Payment Returns Online Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-165/",
   "products": [],
   "summary": "RBI is merging two White Label ATM returns and moving PPI, MTSS, and ATM deployment returns to online systems (CIMS/CISBI) under RRA 2.0. Effective dates will be notified later. This reduces manual reporting for banks and payment operators.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12239&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/167",
   "title": "RBI Streamlines Returns: Discontinuation, Merger & Online Filing",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-167/",
   "products": [],
   "summary": "RBI is discontinuing/merging two returns (Statement of chest slips and Statement of link offices) and converting four paper/email-based returns (RBI note refund rules - statement of defective notes adjudicated at all bank branches, Format for furnishing addresses etc., particulars of Forged Note Vig",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12238&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/164",
   "title": "RBI Withdraws 30 Old Payment System Circulars Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-164/",
   "products": [],
   "summary": "RBI has withdrawn 30 circulars on RTGS, NEFT, and prepaid payment instruments effective close of business on February 18, 2022, as part of RRA 2.0 interim recommendations. Banks and payment operators must comply with current master directions and circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12237&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-22/166",
   "title": "RBI Moves Six Returns to Online Filing Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2021-22-166/",
   "products": [],
   "summary": "RBI will convert six paper/email-based returns—including collateral loan, composite loan, and priority sector data—to online submission. Exact go-live date to be announced later. Banks must prepare for digital filing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12236&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/163",
   "title": "RBI Streamlines Returns: Discontinuation and Online Filing",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-163/",
   "products": [],
   "summary": "RBI proposes to discontinue three returns and convert eight others to online filing under RRA 2.0 interim recommendations. Exact dates will be notified later. This aims to reduce compliance burden.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12235&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/162",
   "title": "RBI Withdraws 15 Outdated Terror-Financing Circulars for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-162/",
   "products": [],
   "summary": "RBI has withdrawn 15 circulars issued between 2011-2014 related to UN terror lists and UAPA compliance for NBFCs/RNBCs, effective February 18, 2022. These circulars are no longer operative, reducing regulatory clutter.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12234&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/161",
   "title": "MSME Classification Validity Extended to March 31, 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-161/",
   "products": [],
   "summary": "RBI extends validity of old MSME registration documents (EM Part II, UAMs, and related classification documents) until March 31, 2022, giving banks more time to transition borrowers to the new MSME definition without disruption.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12233&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/160",
   "title": "Exim Bank USD 40 mn LoC to Maldives for Sports Infrastructure",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-160/",
   "products": [],
   "summary": "RBI notified AD Category-I banks about Exim Bank's USD 40 million Government of India-supported Line of Credit to Maldives for sports infrastructure. At least 75% of contract value must be sourced from India. Banks must facilitate exports under FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12232&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/159",
   "title": "Exim Bank USD 50 mn LoC to Maldives for Defence Projects",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-159/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 50 million GoI-supported Line of Credit to Maldives for defence projects, effective Feb 8, 2022. Banks must facilitate exports with 75% Indian content, no agency commission, and proper EDF declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12231&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/158",
   "title": "RBI Clarifies NPA Upgrade Rules for Multiple Facilities",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-158/",
   "products": [],
   "summary": "RBI clarifies that loan accounts can be upgraded from NPA to standard only after full repayment of all arrears across all credit facilities. The 'out of order' definition now applies to all overdraft products, including non-business ones. NBFCs get until September 30, 2022, to implement the upgrade ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12230&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:27 IST",
   "published_at_iso": "2026-06-19T10:27:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/181",
   "title": "Exim Bank's USD 7.29 mn LoC to Guyana for Solar Systems",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-181/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 7.29 million Line of Credit to Guyana for solar home lighting systems. At least 75% of contract value must be sourced from India. Banks must guide exporters on documentation and commission rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12253&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/180",
   "title": "Interest Equalisation Scheme Extended Till March 2024",
   "url": "https://bankpulse.ai/c/rbi-2021-22-180/",
   "products": [],
   "summary": "RBI extends the Interest Equalisation Scheme on rupee export credit to March 31, 2024. Rates revised: 3% for MSME manufacturer exporters, 2% for others. Telecom instruments excluded except for MSMEs. Beneficiaries under PLI schemes are ineligible.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12252&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/179",
   "title": "UCB Capital Raising & Share Refund Rules Updated",
   "url": "https://bankpulse.ai/c/rbi-2021-22-179/",
   "products": [],
   "summary": "RBI has updated capital-raising norms for Primary Urban Co-operative Banks (UCBs), allowing new instruments like preference shares and debt for Tier 1/2 capital, with investor safeguards. UCBs can now refund share capital to members if CRAR is 9% or above as per latest audited statements and RBI ins",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12251&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/178",
   "title": "UN Sanctions List: Two Terror Entries Removed",
   "url": "https://bankpulse.ai/c/rbi-2021-22-178/",
   "products": [],
   "summary": "RBI notifies removal of two individuals from UNSC's ISIL/Al-Qaida sanctions list. Banks must update their screening databases and unfreeze assets if these names were previously blocked, ensuring compliance with UAPA Section 51A.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12250&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/177",
   "title": "UCB Investment in Umbrella Organization: Exemption from Non-SLR Limits",
   "url": "https://bankpulse.ai/c/rbi-2021-22-177/",
   "products": [],
   "summary": "RBI exempts Primary Urban Co-operative Banks' investments in the Umbrella Organization (NAFCUB) from the 10% non-SLR deposit cap and 10% unlisted securities sub-limit, effective March 3, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12249&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/176",
   "title": "March 2022 Central Govt Transactions: Closure & Reporting",
   "url": "https://bankpulse.ai/c/rbi-2021-22-176/",
   "products": [],
   "summary": "RBI sets April 11, 2022 as the closure date for residual March 2022 central government transactions. Agency banks must segregate March and April scrolls, use special courier for late challans, and report March residual transactions separately to Link Cell until April 11.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12248&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/175",
   "title": "NBFCs with 10+ branches must adopt Core Financial Services Solution by Sept 2025",
   "url": "https://bankpulse.ai/c/rbi-2021-22-175/",
   "products": [],
   "summary": "RBI mandates NBFC-ML and NBFC-UL with 10 or more fixed-point service delivery units to implement a Core Financial Services Solution (CFSS) akin to banks' CBS by September 30, 2025. Upper Layer NBFCs must cover 70% of units by September 30, 2024. Quarterly progress reports start from March 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12247&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/174",
   "title": "Sikkim State Co-operative Bank Gets Scheduled Bank Status",
   "url": "https://bankpulse.ai/c/rbi-2021-22-174/",
   "products": [],
   "summary": "RBI has added Sikkim State Co-operative Bank Ltd to the Second Schedule of the RBI Act, 1934, making it a scheduled bank. This grants it access to central bank facilities and regulatory benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12246&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/173",
   "title": "RBI to Move Six Returns to Online Filing Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2021-22-173/",
   "products": [],
   "summary": "RBI will convert six paper/email-based returns (e.g., FCY-Rupee Option Transactions, Suspicious Transactions) to online submission under RRA 2.0. The exact go-live date will be notified later; until then, current filing methods continue.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12245&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/172",
   "title": "RBI Discontinues, Merges, and Moves 17 Returns Online",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-172/",
   "products": [],
   "summary": "RBI is discontinuing/merging one return on non-resident guarantees and converting 21 paper/email-based returns to online filing, including FII weekly, MTSS, NRO remittances, diamond import reports, and ESOP reporting. Exact dates will be notified later.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12244&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-22/171",
   "title": "RBI Master Circular on Housing Finance – Feb 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-22-171/",
   "products": [],
   "summary": "RBI consolidated all housing finance guidelines for scheduled commercial banks (excluding RRBs) into one master circular, covering loan purposes, interest rates, disclosures, and priority sector norms. No new rules were introduced; this is a compilation of instructions issued up to February 17, 2022",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12243&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/170",
   "title": "RBI to Move Banking Service Price Index Return Online",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-170/",
   "products": [],
   "summary": "RBI will convert the paper-based Banking Service Price Index return to online filing under RRA 2.0 interim recommendations. The exact discontinuation date for the old format will be notified later. Banks must prepare for digital submission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12242&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:18 IST",
   "published_at_iso": "2026-06-19T10:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/01",
   "title": "Master Circular: Note & Coin Exchange Facilities for Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-01/",
   "products": [],
   "summary": "RBI mandates all bank branches to actively provide fresh notes, coin exchange, and accept soiled/mutilated notes. Branches must serve without discrimination, publicize services, and accept small denomination coins. Coin sachets of 100 pieces must be available at counters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12265&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/191",
   "title": "RBI clarifies HTM valuation for recap bonds from FY22",
   "url": "https://bankpulse.ai/c/rbi-2021-22-191/",
   "products": [],
   "summary": "RBI now requires banks to recognise recapitalisation bonds received from FY2021-22 onwards at fair value on initial recognition in HTM, with any difference between acquisition cost and fair value taken to P&L immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12264&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/190",
   "title": "ATM Cassette Swap Deadline Extended to March 2023",
   "url": "https://bankpulse.ai/c/rbi-2021-22-190/",
   "products": [],
   "summary": "RBI extends ATM cassette swap deadline to March 31, 2023, after banks and IBA cited difficulties. Banks must set board-approved internal timelines and submit quarterly progress reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12263&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/189",
   "title": "Bilateral Netting of QFC: Prudential Norms Updated",
   "url": "https://bankpulse.ai/c/rbi-2021-22-189/",
   "products": [],
   "summary": "RBI has amended prudential guidelines across multiple regulated entities to align with the Bilateral Netting of Qualified Financial Contracts Act, 2020, enabling enforceable netting for derivatives and repo/reverse repo transactions. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12262&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/188",
   "title": "Special Clearing for Government Cheques on March 31, 2022",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-188/",
   "products": [],
   "summary": "RBI mandates special clearing for government cheques on March 31, 2022, across CTS grids in New Delhi, Chennai, and Mumbai. Banks must participate, keep infrastructure open, and maintain settlement balances to ensure government transactions are accounted for by year-end.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12261&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/187",
   "title": "RBI Mandates Geo-Tagging for Payment Touch Points",
   "url": "https://bankpulse.ai/c/rbi-2021-22-187/",
   "products": [],
   "summary": "RBI has issued a framework requiring banks and non-bank PSOs to capture and report geo-coordinates of all payment acceptance infrastructure like PoS terminals and QR codes. This aims to map digital payment penetration and guide policy for inclusive access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12260&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/186",
   "title": "FY22 Govt Account Closing: Special Measures for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-186/",
   "products": [],
   "summary": "RBI mandates all agency banks to keep designated branches open on March 31, 2022, for over-the-counter government transactions. NEFT/RTGS will run till midnight, and the reporting window for government transactions extends to April 1, 2022, 12:00 PM.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12259&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/185",
   "title": "RBI extends VCF prudential norms to Category I & II AIFs",
   "url": "https://bankpulse.ai/c/rbi-2021-22-185/",
   "products": [],
   "summary": "RBI has extended the prudential treatment for Venture Capital Funds (VCFs) to Category I and Category II Alternative Investment Funds (AIFs). This circular also clarifies updates to several sections of the Master Direction on investment portfolio classification, valuation, and operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12258&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-22/184",
   "title": "New Meghalaya District Gets Lead Bank",
   "url": "https://bankpulse.ai/c/rbi-2021-22-184/",
   "products": [],
   "summary": "RBI assigns Punjab National Bank as lead bank for Meghalaya's new Eastern West Khasi Hills district, carved from West Khasi Hills. District working code '00U' allotted for BSR reporting. No other lead bank changes in the state.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12257&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/DOR/2021-22/89",
   "title": "RBI Microfinance Loan Framework 2022: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2021-22-89/",
   "products": [],
   "summary": "RBI issued a unified regulatory framework for microfinance loans effective April 1, 2022. It defines microfinance loans as collateral-free loans up to ₹3 lakh household income, applicable to all banks and NBFCs. Key changes include household income assessment norms and repayment flexibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12256&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/183",
   "title": "UAPA Sanctions List Updated: New Entity Added",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-183/",
   "products": [],
   "summary": "RBI mandates all regulated entities to freeze assets and block transactions for Khatiba al-Tawhid wal-Jihad (KTJ), added to UNSC sanctions list. Check your customer database immediately against the updated list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12255&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2021-2022/182",
   "title": "RBI Notifies $500 Mn Exim Bank LoC to Sri Lanka for Petroleum Imports",
   "url": "https://bankpulse.ai/c/rbi-2021-2022-182/",
   "products": [],
   "summary": "RBI has notified a USD 500 million Government of India-supported Line of Credit from Exim Bank to Sri Lanka for purchasing petroleum products from India. AD Category-I banks must facilitate exports under this LoC, ensuring 75% Indian content and no agency commission unless paid from exporter's own r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12254&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:11 IST",
   "published_at_iso": "2026-06-19T10:11:00+05:30"
  },
  {
   "ref": "RBI/2022-23/11",
   "title": "Master Circular on Lead Bank Scheme 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-11/",
   "products": [],
   "summary": "RBI consolidated all Lead Bank Scheme guidelines up to March 31, 2022 into a single master circular. It covers coordination forums, credit planning, banking penetration, CD ratio, and digital payments. Banks must align their district-level operations with this unified framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12277&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/10",
   "title": "Master Circular on Guarantees and Co-acceptances: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2022-23-10/",
   "products": [],
   "summary": "RBI consolidated all guarantee and co-acceptance guidelines as of March 31, 2022. Banks must limit guarantees to shorter maturities, cap them at 10 years (except for long-term project loans), and follow strict fraud prevention norms. This circular applies to all scheduled commercial banks except Pay",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12276&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/09",
   "title": "Master Circular on Government Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-09/",
   "products": [],
   "summary": "RBI consolidated instructions for agency banks on disbursing government pensions, as of April 1, 2022. Banks must act on government DR orders from websites, refund excess payments immediately if bank error, and handle pensioner issues without RBI reference for government-caused overpayments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12275&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/08",
   "title": "Agency Commission Master Circular 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-08/",
   "products": [],
   "summary": "RBI updated its Master Circular on agency commission for government business handled by banks, effective April 1, 2022. It consolidates instructions up to March 31, 2022, covering eligible transactions, exclusions, and commission claims. Banks must ensure compliance with updated rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12274&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/07",
   "title": "Master Circular on Counterfeit Note Detection and Impounding",
   "url": "https://bankpulse.ai/c/rbi-2022-23-07/",
   "products": [],
   "summary": "RBI updated its Master Circular on detecting and impounding counterfeit notes, effective April 1, 2022. Banks must machine-check all notes, never return fakes to customers, and report detections to police. Non-compliance invites penalties for wilful circulation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12273&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/06",
   "title": "UCB Guarantees, Co-Acceptances & LCs: Master Circular 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-06/",
   "products": [],
   "summary": "RBI consolidated all instructions on guarantees, co-acceptances, and letters of credit for UCBs as of March 31, 2022. Key limits: total guarantees capped at 10% of owned resources, unsecured guarantees at 25% of owned funds or total guarantees (whichever lower), and maximum guarantee tenure of 10 ye",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12272&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/05",
   "title": "Master Circular on Investments by Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-05/",
   "products": [],
   "summary": "RBI consolidated all investment guidelines for Primary Urban Co-operative Banks into a single master circular, covering SLR, non-SLR, shareholding limits, valuation, and broker engagement. Banks must align investment policies with this updated framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12271&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/91",
   "title": "Penal Provisions for Currency Chest Reporting Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-2022-23-91/",
   "products": [],
   "summary": "RBI's Master Direction imposes penal interest on banks for delayed, wrong, or non-reporting of currency chest transactions via CyM-CC portal. Reporting must be done same day by 7 pm. Penal interest applies from T+0 basis until corrected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12270&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/90",
   "title": "RBI's Currency Distribution & Exchange Scheme Incentives",
   "url": "https://bankpulse.ai/c/rbi-2022-23-90/",
   "products": [],
   "summary": "RBI's CDES framework offers financial incentives to banks for better currency management and customer service. Banks get reimbursements for setting up currency chests in underbanked areas, exchanging soiled notes, and distributing coins, with higher incentives for rural/semi-urban coin distribution.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12269&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/04",
   "title": "Penalty Scheme for Banks on Customer Service Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-2022-23-04/",
   "products": [],
   "summary": "RBI updated its penalty scheme for bank branches and currency chests, effective April 1, 2022. Penalties apply for shortages, counterfeit notes, mutilated notes, non-compliance with CCTV/NSM rules, and service violations like refusing coin exchange or soiled note acceptance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12268&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/03",
   "title": "Master Circular on Asset Reconstruction Companies",
   "url": "https://bankpulse.ai/c/rbi-2022-23-03/",
   "products": [],
   "summary": "RBI consolidated all ARC guidelines into a single master circular, covering registration, capital adequacy, asset classification, and governance. ARCs must comply with updated norms on Ind AS, fit-and-proper criteria, and reporting to credit bureaus and central registry.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12267&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/02",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2022-23-02/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank linkage guidelines into one master circular, effective April 1, 2022. Banks must meet entire credit needs of SHG members, including income generation, social needs, and debt swapping, with simplified procedures and no formal group structures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12266&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 10:03 IST",
   "published_at_iso": "2026-06-19T10:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/23",
   "title": "SDF Balances Now Count as SLR Assets",
   "url": "https://bankpulse.ai/c/rbi-2022-23-23/",
   "products": [],
   "summary": "RBI now allows banks to count Standing Deposit Facility (SDF) balances as eligible SLR assets, treating them as 'cash' for SLR maintenance. This change, effective April 8, 2022, does not extend to CRR purposes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12289&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/22",
   "title": "Master Circular on Management of Advances for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-22/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Urban Co-operative Banks into a single master circular, effective April 8, 2022. Key changes include simplified working capital assessment for small borrowers and updated prudential norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12288&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/21",
   "title": "RBI hikes HTM limit to 23% of NDTL, sets phased restoration",
   "url": "https://bankpulse.ai/c/rbi-2022-23-21/",
   "products": [],
   "summary": "RBI has raised the HTM limit for SLR securities from 22% to 23% of NDTL, covering bonds acquired between April 1, 2022 and March 31, 2023. This limit will be gradually reduced to 19.5% by March 31, 2024, starting June 30, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12287&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/20",
   "title": "Housing Loan Risk Weight Relief Extended to March 31, 2023",
   "url": "https://bankpulse.ai/c/rbi-2022-23-20/",
   "products": [],
   "summary": "RBI extends rationalised risk weights on new individual housing loans up to March 31, 2023, continuing the relief first given in October 2020. Banks can maintain lower capital requirements on these loans, supporting home lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12286&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/19",
   "title": "RBI Guidelines for Digital Banking Units (DBUs)",
   "url": "https://bankpulse.ai/c/rbi-2022-23-19/",
   "products": [],
   "summary": "RBI has introduced Digital Banking Units (DBUs) to accelerate digital banking reach. Scheduled commercial banks (excluding RRBs, LABs, PBs) can open DBUs in Tier 1-6 centres without prior RBI approval, treating them as banking outlets under existing branch authorisation policy.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12285&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/18",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated for Two Entries",
   "url": "https://bankpulse.ai/c/rbi-2022-23-18/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening systems with the latest UNSC 1267/1989 sanctions list amendments for two entries: individual Emraan Ali and entity ISIL-Khorasan, as per UNSC press release SC/14850 dated April 1, 2022, communicated via RBI circular dated April 4, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12284&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/17",
   "title": "Master Circular: Income Recognition & Asset Classification for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-17/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on income recognition, asset classification, and provisioning for Urban Co-operative Banks into one master circular effective April 1, 2022. Key NPA norms remain unchanged: 90-day overdue triggers NPA classification. Banks must follow objective recovery-based ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12283&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/16",
   "title": "RBI Master Circular on Housing Finance – April 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-16/",
   "products": [],
   "summary": "RBI consolidated all housing finance guidelines for scheduled commercial banks (excluding RRBs) as of March 31, 2022. No new rules were introduced; this circular updates and replaces the February 2022 master circular. Banks must continue adhering to existing norms on loan quantum, interest rates, di",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12282&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/15",
   "title": "Master Circular on IRAC Norms for Advances (2022)",
   "url": "https://bankpulse.ai/c/rbi-2022-23-15/",
   "products": [],
   "summary": "RBI consolidated all prudential norms on income recognition, asset classification, and provisioning for advances up to March 31, 2022. This replaces the October 2021 master circular and includes updated guidelines on NPA management, stressed asset resolution, and restructuring. Banks must adopt this",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12281&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/14",
   "title": "Master Circular: Bank Finance to NBFCs (2022)",
   "url": "https://bankpulse.ai/c/rbi-2022-23-14/",
   "products": [],
   "summary": "RBI consolidated all instructions on bank finance to NBFCs as of March 31, 2022. Key change: credit ceiling linked to NBFCs' Net Owned Fund is withdrawn for registered NBFCs engaged in asset financing, loan, factoring, or investment activities. Banks can now extend need-based working capital and ter",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12280&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/13",
   "title": "Master Circular: Capital Adequacy Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-13/",
   "products": [],
   "summary": "RBI consolidated Basel-I capital adequacy rules for Primary Urban Co-operative Banks (UCBs), mandating a minimum 9% CRAR. Tier I and Tier II capital definitions, risk weights, and share linking norms are updated as of March 31, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12279&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/12",
   "title": "Master Circular – Basel III Capital Regulations",
   "url": "https://bankpulse.ai/c/rbi-2022-23-12/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Basel III capital adequacy norms for scheduled commercial banks (excluding SFBs, PBs, RRBs), effective April 1, 2022, replacing the 2015 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12278&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:55 IST",
   "published_at_iso": "2026-06-19T09:55:00+05:30"
  },
  {
   "ref": "RBI/2022-23/35",
   "title": "Modified Interest Subvention Scheme for KCC Loans 2021-22",
   "url": "https://bankpulse.ai/c/rbi-2022-23-35/",
   "products": [],
   "summary": "RBI extends modified Interest Subvention Scheme for short-term KCC loans up to ₹3 lakh for 2021-22. Banks get 2% subvention; farmers repaying on time pay only 4% interest. Scheme covers crop and allied activities, with additional post-harvest relief for small/marginal farmers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12302&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/34",
   "title": "LEI Mandate Extended to UCBs, NBFCs; New Timelines for Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2022-23-34/",
   "products": [],
   "summary": "RBI extends LEI requirement to UCBs and NBFCs. Non-individual borrowers with aggregate exposure of ₹5 crore and above must obtain LEI codes by phased deadlines from April 2023 to April 2025, or face restrictions on new credit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12301&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/33",
   "title": "RBI Bans Honorary Board Titles in Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-33/",
   "products": [],
   "summary": "RBI has directed all Urban Co-operative Banks to stop creating honorary board-level titles like Chairman Emeritus, as they create shadow authority and conflicts of interest. Existing such positions must be eliminated within one year from April 21, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12299&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/32",
   "title": "Large Exposures Framework for NBFC-UL",
   "url": "https://bankpulse.ai/c/rbi-2022-23-32/",
   "products": [],
   "summary": "RBI has issued a Large Exposures Framework for NBFCs in the Upper Layer, defining exposure limits, grouping of connected counterparties, and reporting norms to manage credit risk concentration.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12298&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/31",
   "title": "RBI Updates Capital Rules for State and District Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-31/",
   "products": [],
   "summary": "RBI has permitted StCBs and DCCBs to issue preference shares and debt instruments for capital augmentation, with conditions on investor disclosures and refund of share capital subject to CRAR of 9% or above.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12297&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/30",
   "title": "SBR: NBFC-UL CET1 Capital Requirements",
   "url": "https://bankpulse.ai/c/rbi-2022-23-30/",
   "products": [],
   "summary": "NBFCs in the Upper Layer must now maintain a Common Equity Tier 1 (CET1) ratio of at least 9% of Risk Weighted Assets, with detailed rules on eligible capital components and deductions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12296&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/28",
   "title": "FPI Debt Investment Limits for FY 2022-23 Unchanged",
   "url": "https://bankpulse.ai/c/rbi-2022-23-28/",
   "products": [],
   "summary": "RBI has kept FPI investment limits for G-secs, SDLs, and corporate bonds unchanged at 6%, 2%, and 15% of outstanding stocks for FY 2022-23. The 50:50 split between General and Long-term G-sec sub-categories continues, and the CDS sale limit remains at 5% of outstanding corporate bonds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12295&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/29",
   "title": "NBFC Lending Restrictions: SBR Guidelines Effective Oct 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-29/",
   "products": [],
   "summary": "RBI has issued detailed lending restrictions for NBFCs under the Scale Based Regulation framework, effective October 1, 2022. Key rules cover loans to directors, senior officers, and real estate sector, with specific thresholds and board approval requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12294&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/27",
   "title": "Consolidated Circular on Current & CC/OD Accounts",
   "url": "https://bankpulse.ai/c/rbi-2022-23-27/",
   "products": [],
   "summary": "RBI consolidated all prior instructions on opening current and CC/OD accounts to enforce credit discipline. Key rule: borrowers availing CC/OD facilities with aggregate banking exposure of ₹5 crore or more can open current accounts only with a lender holding at least 10% of that exposure (or the hig",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12293&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/26",
   "title": "RBI mandates enhanced NBFC disclosures in financial statements",
   "url": "https://bankpulse.ai/c/rbi-2022-23-26/",
   "products": [],
   "summary": "RBI has issued additional disclosure requirements for NBFCs under the Scale Based Regulation framework, effective for annual financial statements from March 31, 2023. These are in addition to existing prudential and accounting standards, with higher-layer NBFCs facing more stringent norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12292&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/25",
   "title": "RBI Raises FALLCR to 16% of NDTL for LCR HQLA",
   "url": "https://bankpulse.ai/c/rbi-2022-23-25/",
   "products": [],
   "summary": "RBI has increased the FALLCR limit from 15% to 16% of NDTL, restoring the total HQLA carve-out from mandatory SLR to 18% of NDTL (2% MSF + 16% FALLCR). This immediately boosts banks' eligible Level 1 HQLA for LCR computation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12291&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/24",
   "title": "RBI Mandates Compliance Function & CCO for NBFC-UL and NBFC-ML",
   "url": "https://bankpulse.ai/c/rbi-2022-23-24/",
   "products": [],
   "summary": "RBI requires Upper and Middle Layer NBFCs to set up an independent Compliance Function and appoint a Chief Compliance Officer (CCO) by April 1, 2023 (UL) and October 1, 2023 (ML). Base Layer NBFCs remain under existing rules. A board-approved policy is mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12290&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-19T09:46:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/47",
   "title": "Exim Bank's USD 190 mn LoC to Mauritius: AD Bank Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-47/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's additional USD 190 million Line of Credit to SBM (Mauritius) Infrastructure Development Company Ltd for the Metro Express and other infrastructure projects, with mandatory 75% Indian content (30% for Metro Express).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12314&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/46",
   "title": "CRR Hiked by 50 bps to 4.50% from May 21, 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-46/",
   "products": [],
   "summary": "RBI raised CRR by 50 bps to 4.50% of NDTL, effective fortnight starting May 21, 2022. This tightens liquidity, reducing funds available for lending and increasing banks' cost of funds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12313&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/45",
   "title": "RBI Hikes Bank Rate by 40 bps to 4.65%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-45/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 40 basis points to 4.65% effective May 4, 2022, following the Monetary Policy Statement. Penal interest rates on reserve shortfalls linked to the Bank Rate also increased accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12312&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/44",
   "title": "SLF for Primary Dealers Repo Rate Hiked to 4.40%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-44/",
   "products": [],
   "summary": "RBI raised the repo rate by 40 bps to 4.40% effective May 4, 2022. The Standing Liquidity Facility for Primary Dealers is now available at this revised rate, increasing their cost of collateralised liquidity from the central bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12311&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/43",
   "title": "ASBA branches must open Sunday for LIC IPO",
   "url": "https://bankpulse.ai/c/rbi-2022-23-43/",
   "products": [],
   "summary": "RBI advises all scheduled commercial banks to keep ASBA-designated branches open on May 8, 2022 (Sunday) to process LIC IPO applications, ensuring compliance with customer service norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12310&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/42",
   "title": "RBI Hikes Repo Rate by 40 bps to 4.40%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-42/",
   "products": [],
   "summary": "RBI raised the repo rate by 40 bps to 4.40% effective immediately. SDF and MSF rates also adjusted upward. This signals a tightening cycle start, impacting loan pricing and liquidity management for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12309&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/41",
   "title": "RBI Withdraws 8 Circulars Under RRA 2.0 Clean-Up",
   "url": "https://bankpulse.ai/c/rbi-2022-23-41/",
   "products": [],
   "summary": "RBI has withdrawn eight outdated circulars effective from close of business on May 2, 2022, covering Ready Forward contracts, Primary Dealer access to call money, and NCD issuance. This is part of the RRA 2.0 clean-up to simplify regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12308&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/39",
   "title": "RBI Withdraws 46 Old Export Credit Circulars Under RRA 2.0",
   "url": "https://bankpulse.ai/c/rbi-2022-23-39/",
   "products": [],
   "summary": "RBI has withdrawn 46 circulars related to the Export Credit (Interest Subsidy) Scheme, 1968, effective May 2, 2022, as part of the Regulations Review Authority (RRA 2.0) interim recommendations. This cleanup removes outdated instructions no longer relevant.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12307&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/40",
   "title": "RBI Withdraws Circular on Penal Interest for Delayed Reporting",
   "url": "https://bankpulse.ai/c/rbi-2022-23-40/",
   "products": [],
   "summary": "RBI has withdrawn a February 2018 circular on penal interest for delayed reporting by currency chest banks, effective May 2, 2022. Banks no longer face that specific penalty for late submissions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12306&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/38",
   "title": "RBI Withdraws 8 Old Circulars on Urban Co-op Bank Audit & IT",
   "url": "https://bankpulse.ai/c/rbi-2022-23-38/",
   "products": [],
   "summary": "RBI has withdrawn eight outdated circulars on audit standards, computerization, and auditor assignments for Primary (Urban) Cooperative Banks, effective May 2, 2022. This cleanup under RRA 2.0 removes legacy instructions no longer relevant.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12305&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/37",
   "title": "NBFC Deposit Rating Floor Lowered to BBB-",
   "url": "https://bankpulse.ai/c/rbi-2022-23-37/",
   "products": [],
   "summary": "RBI has reduced the minimum credit rating for NBFCs to accept public deposits from any SEBI-registered agency to 'BBB-'. This eases the rating requirement, potentially allowing more NBFCs to raise deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12304&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/36",
   "title": "NBFC KMP & Senior Management Compensation Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2022-23-36/",
   "products": [],
   "summary": "RBI issued final guidelines on compensation for NBFC KMPs and senior management, effective April 1, 2023. These apply to all NBFCs under the Scale Based Regulatory framework except Base Layer and government-owned entities. Key requirements include a Board-approved policy, Remuneration Committee, fix",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12303&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:38 IST",
   "published_at_iso": "2026-06-19T09:38:00+05:30"
  },
  {
   "ref": "RBI/2022-23/61",
   "title": "RBI mandates differential standard asset provisioning for NBFC-UL",
   "url": "https://bankpulse.ai/c/rbi-2022-23-61/",
   "products": [],
   "summary": "NBFCs in the Upper Layer must now hold graded provisions on standard assets: 0.25% for home loans and SME loans, 2% for teaser-rate home loans (reducing to 0.40% after reset), 0.75% for CRE-RH, 1% for other CRE, and 0.40% for other loans. Ind AS NBFCs must maintain a prudential floor.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12329&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/60",
   "title": "IES Extension Clarified for PLI Beneficiaries",
   "url": "https://bankpulse.ai/c/rbi-2022-23-60/",
   "products": [],
   "summary": "RBI clarifies that exporters availing PLI benefits can still claim Interest Equalization Scheme (IES) for other product segments. Banks must obtain a new self-declaration from exporters, effective retroactively from October 1, 2021.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12327&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/59",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated for 6 Individuals",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-59/",
   "products": [],
   "summary": "RBI mandates all regulated entities to freeze assets and deny services to 6 newly amended individuals on the UNSC ISIL/Al-Qaida sanctions list, effective May 27, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12326&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/58",
   "title": "BBPS: Non-bank net worth threshold cut to ₹25 crore",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-58/",
   "products": [],
   "summary": "RBI has reduced the minimum net-worth requirement for non-bank Bharat Bill Payment Operating Units from the earlier level to ₹25 crore, effective immediately, to encourage wider participation in the BBPS ecosystem.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12325&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/57",
   "title": "RBI allows Qualified Jewellers to import gold via IIBX",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-57/",
   "products": [],
   "summary": "RBI now permits AD banks to process advance remittances up to 11 days for Qualified Jewellers importing gold through IIBX. This expands gold import channels beyond nominated agencies, easing access for jewellers via IFSCA-regulated exchanges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12324&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/56",
   "title": "Housing repair loan limits raised for urban co-op banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-56/",
   "products": [],
   "summary": "RBI has raised the ceiling on housing repair loans for individuals by Primary Urban Co-operative Banks: ₹10 lakh in metro centres (population 10 lakh+) and ₹6 lakh in other centres, replacing earlier limits of ₹2 lakh (rural/semi-urban) and ₹5 lakh (urban).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12323&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/55",
   "title": "RBI clarifies reverse repo reporting on bank balance sheets",
   "url": "https://bankpulse.ai/c/rbi-2022-23-55/",
   "products": [],
   "summary": "RBI has clarified that all reverse repos with the Reserve Bank, including LAF, must be shown under 'Balances with RBI' in Schedule 6. Short-term reverse repos (≤14 days) with other entities go under 'Money at call' in Schedule 7, while longer ones (>14 days) are classified as advances in Schedule 9.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12322&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/54",
   "title": "RBI mandates interoperable card-less cash withdrawals at ATMs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-54/",
   "products": [],
   "summary": "RBI now requires all banks and ATM networks to offer card-less cash withdrawals using UPI for authorization. Settlement will go through NFS/ATM networks, with no extra charges beyond existing interchange fees. Withdrawal limits match regular ATM transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12321&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/53",
   "title": "INR Settlement for India-Sri Lanka Trade Under SBI Credit Facility",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-53/",
   "products": [],
   "summary": "RBI allows trade with Sri Lanka under SBI's USD 1 billion GOI-guaranteed term loan to be settled in INR outside the ACU mechanism, easing export proceeds receipt difficulties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12320&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/52",
   "title": "MSME Classification: Old Registration Validity Extended to June 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-52/",
   "products": [],
   "summary": "RBI clarifies that EM Part II and Udyog Aadhaar Memorandum obtained before July 1, 2020 remain valid for MSME classification until June 30, 2022, following a government notification amendment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12319&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/49",
   "title": "RBI Withdraws 46 Old Circulars on Govt Sponsored Schemes",
   "url": "https://bankpulse.ai/c/rbi-2022-23-49/",
   "products": [],
   "summary": "RBI has withdrawn 46 outdated circulars on government-sponsored schemes like SJSRY, SGSY, IRDP, and DRI, effective May 13, 2022. Banks no longer need to follow these legacy instructions, simplifying compliance for priority sector lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12316&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:30 IST",
   "published_at_iso": "2026-06-19T09:30:00+05:30"
  },
  {
   "ref": "RBI/2022-23/73",
   "title": "RBI raises AFA limit for recurring e-mandates to ₹15,000",
   "url": "https://bankpulse.ai/c/rbi-2022-23-73/",
   "products": [],
   "summary": "RBI has increased the Additional Factor of Authentication (AFA) exemption limit for recurring e-mandate transactions from ₹5,000 to ₹15,000 per transaction, effective immediately. This applies to cards, PPIs, and UPI, reducing friction for higher-value recurring payments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12341&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/72",
   "title": "SGB Scheme 2022-23: Series I & II Subscription Dates",
   "url": "https://bankpulse.ai/c/rbi-2022-23-72/",
   "products": [],
   "summary": "RBI announces Series I (June 20-24, 2022) and Series II (Aug 22-26, 2022) of Sovereign Gold Bond Scheme 2022-23. Banks must accept applications via Form A, collect PAN, and upload details on Ekuber portal. Issuance dates: June 28 and Aug 30, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12340&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/71",
   "title": "RBI Tightens Norms for Bank Loans to Government Entities",
   "url": "https://bankpulse.ai/c/rbi-2022-23-71/",
   "products": [],
   "summary": "RBI flags non-compliance in lending to government-owned entities. Banks must ensure loans are only for corporate bodies, projects are commercially viable, and debt servicing comes from project revenue, not budgets. A board review is due in three months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12339&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/70",
   "title": "PMC Bank Amalgamation: UCB Provisioning on PNCPS & Warrants",
   "url": "https://bankpulse.ai/c/rbi-2022-23-70/",
   "products": [],
   "summary": "UCBs must continue full provisioning on uninsured deposits with PMC Bank until PNCPS/Equity Warrants are actually allotted. Post-allotment, provisions reverse only if excess over loss. PNCPS must be fully provided for by March 31, 2024; Equity Warrants valued at ₹1 need no provisions now.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12338&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/69",
   "title": "RBI discontinues non-resident guarantee return from June 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-69/",
   "products": [],
   "summary": "RBI has discontinued the quarterly return 'Details of guarantee availed and invoked from non-resident entities' effective quarter ending June 2022. AD Category I banks no longer need to file this return under FEMA. Relevant Master Directions are being updated accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12337&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/68",
   "title": "UCB Individual Housing Loan Limits Doubled",
   "url": "https://bankpulse.ai/c/rbi-2022-23-68/",
   "products": [],
   "summary": "RBI has doubled individual housing loan limits for Urban Co-operative Banks: Tier-I UCBs can now lend up to ₹60 lakh per borrower (from ₹30 lakh), and Tier-II UCBs up to ₹140 lakh (from ₹70 lakh), effective June 8, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12336&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/67",
   "title": "RBI hikes housing loan limits for co-op banks, allows CRE-RH lending",
   "url": "https://bankpulse.ai/c/rbi-2022-23-67/",
   "products": [],
   "summary": "RBI raised individual housing loan limits for StCBs/DCCBs: from ₹20 lakh to ₹50 lakh (net worth <₹100 crore) and from ₹30 lakh to ₹75 lakh (net worth ≥₹100 crore). It also permitted these banks to lend to Commercial Real Estate-Residential Housing within the 5% aggregate housing finance cap.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12335&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/66",
   "title": "RBI Allows Doorstep Banking for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-66/",
   "products": [],
   "summary": "RBI permits financially sound UCBs to offer doorstep banking services voluntarily, while others need prior approval. Services include cash pickup/delivery, instrument collection, and KYC submission. Banks must manage risks and review the scheme half-yearly initially.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12334&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/65",
   "title": "RBI Hikes Bank Rate by 50 bps to 5.15%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-65/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 50 basis points to 5.15% effective June 8, 2022, following the Monetary Policy Statement. This directly increases penal interest rates on reserve shortfalls for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12333&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/64",
   "title": "SLF for Primary Dealers: Repo Rate Hiked to 4.90%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-64/",
   "products": [],
   "summary": "RBI raised the repo rate by 50 bps to 4.90% effective June 8, 2022. Consequently, the Standing Liquidity Facility for Primary Dealers is now priced at the new repo rate. This aligns PD borrowing costs with the monetary policy stance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12332&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/63",
   "title": "Repo Rate Hiked 50 bps to 4.90%: SDF & MSF Adjusted",
   "url": "https://bankpulse.ai/c/rbi-2022-23-63/",
   "products": [],
   "summary": "RBI hiked the repo rate by 50 bps to 4.90% effective immediately. SDF and MSF rates adjusted to 4.65% and 5.15% respectively. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12331&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/62",
   "title": "RBI Allows Indian Banks in GIFT-IFSC as IIBX Clearing Members",
   "url": "https://bankpulse.ai/c/rbi-2022-23-62/",
   "products": [],
   "summary": "RBI now permits branches of Indian scheduled commercial banks in GIFT-IFSC to act as Professional Clearing Members (PCM) of India International Bullion Exchange (IIBX). Banks must obtain a NoC from RBI, board approval, and comply with capital, liquidity, and risk management norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12330&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:26 IST",
   "published_at_iso": "2026-06-19T09:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/85",
   "title": "Lead Bank Rejig for Andhra Pradesh's 13 New Districts",
   "url": "https://bankpulse.ai/c/rbi-2022-23-85/",
   "products": [],
   "summary": "RBI has assigned lead bank responsibility for 13 new districts in Andhra Pradesh, with Union Bank of India taking charge of 10 districts, State Bank of India for 2, and Canara Bank for 1. New district working codes have been issued for BSR reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12353&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/84",
   "title": "Exim Bank's USD 55 Million Credit Line to Sri Lanka for Urea",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-84/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 55 million Government of India-supported Short-Term Line of Credit to Sri Lanka for urea fertilizer imports from India, effective June 20, 2022, with a 6-month utilization period extendable up to 12 months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12352&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/83",
   "title": "CRR/SLR Exemption for Incremental FCNR(B) and NRE Term Deposits",
   "url": "https://bankpulse.ai/c/rbi-2022-23-83/",
   "products": [],
   "summary": "From July 30, 2022, incremental FCNR(B) and NRE term deposits (over July 1, 2022 base) are exempt from CRR/SLR. Exemption valid for deposits raised till Nov 4, 2022, and lasts while deposits remain on books. NRO-to-NRE transfers don't qualify.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12351&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/82",
   "title": "RBI Temporarily Lifts Interest Rate Caps on FCNR(B) and NRE Deposits",
   "url": "https://bankpulse.ai/c/rbi-2022-23-82/",
   "products": [],
   "summary": "From July 7 to October 31, 2022, RBI has temporarily removed interest rate ceilings on incremental FCNR(B) deposits and the restriction linking NRE deposit rates to domestic rupee term deposits. This allows banks to offer higher rates to attract fresh non-resident deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12350&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/81",
   "title": "Unity Small Finance Bank Added to RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2022-23-81/",
   "products": [],
   "summary": "RBI has officially included Unity Small Finance Bank Limited in the Second Schedule of the RBI Act, 1934, effective April 28, 2022. This grants it scheduled bank status, enabling access to central bank facilities and regulatory benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12349&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/80",
   "title": "RBI Tightens Rules on Takeover and Sale of Non-Bank PSOs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-80/",
   "products": [],
   "summary": "Non-bank PSOs must now get RBI's prior approval for any takeover, acquisition of control, or sale/transfer of payment activity to an unauthorised entity. Changes in management or transfers to authorised entities require intimation within 15 days. RBI aims to respond within 45 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12348&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/79",
   "title": "RBI Updates Note Sorting Machine Parameters for New Banknotes",
   "url": "https://bankpulse.ai/c/rbi-2022-23-79/",
   "products": [],
   "summary": "RBI has revised note authentication and fitness sorting parameters for bank-operated machines, effective July 1, 2022. Banks must update their note sorting machines to handle new series banknotes, ensuring genuine notes are sorted as fit or unfit based on updated criteria.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12347&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/78",
   "title": "Glide Path for SR Provisioning by Co-op Banks & NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-78/",
   "products": [],
   "summary": "RBI allows co-operative banks, RRBs, NBFCs, and AIFIs to spread the provisioning shortfall on legacy Security Receipts (SRs) over five years from FY2021-22 to FY2025-26, easing the transition to MD-TLE norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12346&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/77",
   "title": "RBI Extends Card-on-File Storage Ban Deadline to Sept 30, 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-77/",
   "products": [],
   "summary": "RBI has extended the deadline for purging stored card-on-file (CoF) data by three months to September 30, 2022. Token creation has progressed but guest checkout solutions remain unimplemented. All entities except card issuers and networks must purge CoF data by the new date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12345&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/76",
   "title": "Housing Finance Master Circular for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-76/",
   "products": [],
   "summary": "RBI consolidated all housing finance guidelines for Urban Co-operative Banks (UCBs) into a single Master Circular, issued June 23, 2022. It covers eligible borrowers, loan terms, margins, and priority sector treatment, replacing the 2015 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12344&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/75",
   "title": "RBI mandates action on 7 new UAPA terrorist designations",
   "url": "https://bankpulse.ai/c/rbi-2022-23-75/",
   "products": [],
   "summary": "RBI has directed all regulated entities to immediately update their records with 7 individuals newly designated as terrorists under UAPA, 1967, and ensure strict compliance with KYC Master Direction procedures for freezing assets and reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12343&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/74",
   "title": "RBI Extends Deadline for Key Credit Card Rules to Oct 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-74/",
   "products": [],
   "summary": "RBI has pushed the implementation date for three specific credit card rules from July 1 to October 1, 2022. These include OTP-based consent for dormant card activation, explicit consent for credit limit breaches, and a ban on capitalizing unpaid charges. Other provisions remain on the original timel",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12342&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:14 IST",
   "published_at_iso": "2026-06-19T09:14:00+05:30"
  },
  {
   "ref": "RBI/2022-23/130",
   "title": "RBI Tightens NPA Divergence Disclosure Norms for Banks and UCBs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-130/",
   "products": [],
   "summary": "RBI now requires commercial banks and Urban Co-operative Banks to disclose asset classification and provisioning divergences if additional NPA provisioning exceeds 5% of reported profit before provisions and contingencies, or additional gross NPAs exceed 5% (15% for UCBs) of reported incremental gro",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12401&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/96",
   "title": "UNSC Updates DPRK Sanctions List: 44 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-96/",
   "products": [],
   "summary": "RBI directs all regulated entities to note UNSC's July 26, 2022 amendments to 44 existing entries on the DPRK sanctions list, covering details like addresses and aliases. Entities must update their compliance checks and refer to the MEA website for the revised list.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12364&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/95",
   "title": "RBI Finalises Card-on-File Storage Ban: Oct 1 Deadline Stands",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-95/",
   "products": [],
   "summary": "RBI confirms no extension to the October 1, 2022 ban on storing actual card data (CoF) by non-issuers/networks. Merchants and PAs get a T+4 day window for guest checkout settlement data only; acquirers can store for post-transaction activities until January 31, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12363&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/94",
   "title": "RBI Extends PA Authorisation Application Window to Sept 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-94/",
   "products": [],
   "summary": "RBI has given non-bank Payment Aggregators (PAs) existing as on March 17, 2020, a fresh window until September 30, 2022, to apply for authorisation under PSS Act. They must have ₹15 crore net worth by March 31, 2022, and can continue operations until RBI decides on their application.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12362&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/93",
   "title": "UCBs Must Review Loan Policy Annually",
   "url": "https://bankpulse.ai/c/rbi-2022-23-93/",
   "products": [],
   "summary": "RBI mandates that Primary Urban Co-operative Banks must have their board-approved loan policy reviewed at least once every financial year, effective immediately, to ensure alignment with risk appetite and regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12361&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/92",
   "title": "DAY-NRLM Master Circular: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-92/",
   "products": [],
   "summary": "RBI consolidated all DAY-NRLM guidelines into a single master circular, replacing the April 2021 version. Banks must align SHG account opening, KYC, and lending processes with updated norms, including Revolving Fund eligibility and interest subvention provisions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12360&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/91",
   "title": "UNSCR 1718 DPRK Sanctions List Updated: One Entry Amended",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-91/",
   "products": [],
   "summary": "RBI directs all regulated entities to note the June 30, 2022 amendment to the UNSCR 1718 DPRK sanctions list, specifically updating details for individual Pak Chun Il. Entities must verify daily against the MEA-hosted list and ensure compliance with the DPRK sanctions order.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12359&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/90",
   "title": "RBI Enables INR Settlement for International Trade",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-90/",
   "products": [],
   "summary": "RBI now allows cross-border trade invoicing and settlement in INR via Special Rupee Vostro Accounts. AD banks need prior RBI approval to operationalize this mechanism, which aims to boost exports and global interest in the rupee.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12358&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/89",
   "title": "Indo-Sri Lanka Trade: ACU Mechanism Suspended",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-89/",
   "products": [],
   "summary": "RBI has temporarily allowed Indo-Sri Lanka trade settlements in any permitted currency outside the ACU mechanism, effective immediately. This replaces the earlier mandatory routing through ACU for current account transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12357&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/88",
   "title": "AD Cat-I Banks: Overseas Borrowings for On-Lending in Foreign Currency",
   "url": "https://bankpulse.ai/c/rbi-2022-23-88/",
   "products": [],
   "summary": "RBI allows AD Cat-I banks to use overseas foreign currency borrowings raised from July 8 to October 31, 2022, for on-lending in foreign currency to domestic constituents, subject to ECB end-use norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12356&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/87",
   "title": "RBI relaxes FPI short-term debt limits for July-Oct 2022",
   "url": "https://bankpulse.ai/c/rbi-2022-23-87/",
   "products": [],
   "summary": "RBI temporarily exempts FPI investments in government securities and corporate bonds made between July 8 and October 31, 2022, from the 30% short-term investment cap and one-year minimum residual maturity rule, until maturity or sale.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12355&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/86",
   "title": "RBI Adds 7-Year and 14-Year G-Secs to Fully Accessible Route for NRIs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-86/",
   "products": [],
   "summary": "RBI has designated two specific government securities (7.10% GS 2029 and 7.54% GS 2036) and all new 7-year and 14-year tenor issuances as 'specified securities' under the Fully Accessible Route, allowing unrestricted non-resident investment from July 7, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12354&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:10 IST",
   "published_at_iso": "2026-06-19T09:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/108",
   "title": "RBI Tightens Rules on Recovery Agents: No Harassment Allowed",
   "url": "https://bankpulse.ai/c/rbi-2022-23-108/",
   "products": [],
   "summary": "RBI mandates that regulated entities are fully responsible for recovery agents' actions. Agents must not harass debtors via calls before 8 AM and after 7 PM, threats, or public humiliation. Violations will be taken seriously.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12378&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/107",
   "title": "Bilateral Netting: Exemptions Tightened for Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-107/",
   "products": [],
   "summary": "RBI clarifies that exemptions for short-term FX contracts and sold options under bilateral netting are withdrawn for entities using bilateral netting. The 14-day FX contract exemption applies only to Regional Rural Banks, Local Area Banks, and Co-operative Banks that have not adopted bilateral netti",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12376&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/106",
   "title": "RBI Eases Branch and ATM Rules for DCCBs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-106/",
   "products": [],
   "summary": "RBI now allows District Central Co-operative Banks (DCCBs) to open new branches, extension counters, and install off-site/mobile ATMs without prior approval, provided they meet eligibility criteria like 3 years of operation, CRAR ≥9%, net NPA <5%, and no recent penalties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12375&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/105",
   "title": "SPDs Allowed to Offer FCS-OIS to Non-Residents and Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-105/",
   "products": [],
   "summary": "RBI now permits stand-alone primary dealers (SPDs) to offer Foreign Currency Settled Overnight Indexed Swaps (FCS-OIS) to non-residents, AD Cat-I banks, and other eligible SPDs, expanding their derivative market access.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12374&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/104",
   "title": "SFBs Now Eligible for AD Category-I License",
   "url": "https://bankpulse.ai/c/rbi-2022-23-104/",
   "products": [],
   "summary": "RBI now allows scheduled Small Finance Banks with at least two years as AD Category-II to apply for AD Category-I license, subject to net worth of ₹500 crore, CRAR ≥15%, net NPAs ≤6%, and profit in preceding two years.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12373&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/103",
   "title": "Bank Rate Hiked by 50 bps to 5.65%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-103/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 50 basis points to 5.65%, effective immediately. This directly increases penal interest rates on reserve shortfalls, impacting banks' cost of non-compliance with CRR/SLR requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12372&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/102",
   "title": "Repo Rate Hiked 50 bps: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2022-23-102/",
   "products": [],
   "summary": "RBI hiked the repo rate by 50 bps to 5.40% effective August 5, 2022. The Standing Liquidity Facility for Primary Dealers is now priced at the new repo rate. This tightens liquidity support costs for PDs immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12370&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/101",
   "title": "Repo Rate Hiked by 50 bps to 5.40%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-101/",
   "products": [],
   "summary": "RBI hiked the repo rate by 50 bps to 5.40% effective August 5, 2022. SDF and MSF rates adjusted to 5.15% and 5.65% respectively. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12369&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/100",
   "title": "RBI Tweaks Gold Monetisation Scheme: Renewal & Redemption Rules",
   "url": "https://bankpulse.ai/c/rbi-2022-23-100/",
   "products": [],
   "summary": "RBI has amended the Gold Monetisation Scheme 2015, deleting old sub-para 2.2.2.(v) and inserting new guidelines for renewal/redemption of Medium Long Term Gold Deposits (MLTGD). Key changes include mandatory depositor option collection at account opening, 120-day pre-redemption notice, and revised h",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12368&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/99",
   "title": "RBI Master Circular on Credit to Minority Communities",
   "url": "https://bankpulse.ai/c/rbi-2022-23-99/",
   "products": [],
   "summary": "RBI consolidated guidelines for banks to ensure fair credit flow to minority communities. Banks are advised to monitor lending in 121 minority concentration districts, meet 11.5% PSL sub-target for weaker sections (including minorities) for FY 2022-23, set up special cells with nodal officers, and d",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12367&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/98",
   "title": "RBI Doubles ECB Automatic Route Limit to $1.5 Billion, Eases Cost Ceiling",
   "url": "https://bankpulse.ai/c/rbi-2022-23-98/",
   "products": [],
   "summary": "RBI has raised the automatic route limit for ECBs from USD 750 million to USD 1.5 billion per financial year and increased the all-in-cost ceiling by 100 bps for investment-grade borrowers, effective until December 31, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12366&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/97",
   "title": "RBI Master Circular on SC/ST Credit Facilities",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-97/",
   "products": [],
   "summary": "RBI consolidated all prior guidelines on credit to SC/ST communities into one Master Circular. Banks must prioritize SC/ST lending through district credit plans, adopt villages with high SC/ST populations, and ensure timely, production-oriented loans without insisting on deposits or holding back sub",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12365&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 09:02 IST",
   "published_at_iso": "2026-06-19T09:02:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/120",
   "title": "Repo Rate Hiked 50 bps to 5.90%: SDF & MSF Adjusted",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-120/",
   "products": [],
   "summary": "RBI hiked the repo rate by 50 bps to 5.90% effective September 30, 2022. SDF and MSF rates adjusted to 5.65% and 6.15% respectively. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12391&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/119",
   "title": "UNSC DPRK Sanctions List Updated: IMO Number Changes",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-119/",
   "products": [],
   "summary": "RBI directs all regulated entities to note amendments to two entries on the UNSCR 1718 DPRK sanctions list, affecting only IMO numbers. Daily verification of the MEA-hosted list remains mandatory.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12390&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/118",
   "title": "RBI Mandates Compliance Function & CCO for Tier 3 and Tier 4 UCBs",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-118/",
   "products": [],
   "summary": "RBI now requires Tier 3 and Tier 4 Urban Co-operative Banks to set up a formal compliance function and appoint a Chief Compliance Officer by April 1, 2023 (Tier 4) or October 1, 2023 (Tier 3). This strengthens governance and risk management for larger UCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12389&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/117",
   "title": "RBI Updates FCNR(B) Reference Rate and Savings Account Rules",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-117/",
   "products": [],
   "summary": "RBI has shifted FCNR(B) deposit reference rates from FEDAI to FBIL effective January 31, 2022, and clarified savings account eligibility to explicitly exclude political parties and trading/business entities. Banks must update systems and policies accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12388&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/116",
   "title": "Exim Bank USD 448 mn LoC for Uzbekistan Social Projects",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-116/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's USD 448 million GOI-supported Line of Credit to Uzbekistan for social infrastructure. At least 75% of contract value must be sourced from India. Effective September 12, 2022, with a 60-month terminal utilization period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12387&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/115",
   "title": "RBI allows RDA remittances via BBPS for cross-border bill payments",
   "url": "https://bankpulse.ai/c/rbi-2022-23-115/",
   "products": [],
   "summary": "RBI now permits foreign inward remittances under Rupee Drawing Arrangement to be routed through Bharat Bill Payment System to KYC-compliant biller accounts, expanding payment options beyond NEFT/IMPS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12386&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/114",
   "title": "Exim Bank's $108.28 mn LoC to Eswatini for Parliament Building",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-114/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's $108.28 million LoC to Eswatini for constructing a new Parliament building. At least 65% of contract value must be sourced from India. Banks must advise exporters and handle remittances per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12385&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/113",
   "title": "Zero Risk Weight for Credit Guarantee Schemes Expanded",
   "url": "https://bankpulse.ai/c/rbi-2022-23-113/",
   "products": [],
   "summary": "RBI extends zero percent risk weight to all existing and future schemes of CGTMSE, CRGFTLIH, and NCGTC, provided guarantees are direct, explicit, irrevocable, and unconditional. Residual exposures beyond guarantee caps face risk weights as applicable to the counterparty.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12384&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/112",
   "title": "GST Applicability on Cash Service Charges for Non-Chest Branches",
   "url": "https://bankpulse.ai/c/rbi-2022-23-112/",
   "products": [],
   "summary": "RBI clarifies that service charges for cash deposited by non-chest branches at currency chests are exclusive of GST. Banks must add applicable taxes to the ₹5 or ₹8 per packet charges specified in earlier circulars.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12383&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/111",
   "title": "RBI Digital Lending Guidelines for Banks and NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-111/",
   "products": [],
   "summary": "RBI issued binding digital lending guidelines effective September 2, 2022, covering all commercial banks, co-operative banks, and NBFCs. Key mandates include direct loan disbursement to borrower accounts, transparent APR disclosure, a board-determined cooling-off period, and strict oversight of Lend",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12382&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/110",
   "title": "RBI Overhauls Overseas Investment Rules for Ease of Business (August 22, 2022)",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-110/",
   "products": [],
   "summary": "RBI has issued new Foreign Exchange Management (Overseas Investment) Directions, 2022, dated August 22, 2022, superseding the 2004 Master Direction and 2015 regulations. The rules simplify definitions, introduce a 'strategic sector' concept, remove several prior approval requirements, and add a Late",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12381&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/109",
   "title": "RBI revises list of LWE-affected districts for branch authorisation",
   "url": "https://bankpulse.ai/c/rbi-2022-23-109/",
   "products": [],
   "summary": "RBI has reduced the list of Left Wing Extremism-affected districts from 90 to 70, effective August 22, 2022. Banks must use this revised list for branch authorisation under the relaxed policy for these areas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12379&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:51 IST",
   "published_at_iso": "2026-06-19T08:51:00+05:30"
  },
  {
   "ref": "RBI/2022-23/134",
   "title": "10 New UAPA Terrorist Designations: Immediate Compliance Required",
   "url": "https://bankpulse.ai/c/rbi-2022-23-134/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen customers against 10 newly designated terrorists under UAPA Schedule IV, report matches to FIU-IND and MHA, and apply existing KYC Master Direction procedures to these additions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12406&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/133",
   "title": "Exim Bank's EUR 100 mn credit line to Cuba for rice imports",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-133/",
   "products": [],
   "summary": "RBI notified Exim Bank's EUR 100 million short-term line of credit to Banco Exterior de Cuba for financing rice purchases from India. AD Category-I banks must inform exporters and follow FEMA guidelines for shipments and commission payments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12405&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/132",
   "title": "NCGTC Claim Amounts: CRR/SLR Relief for Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-132/",
   "products": [],
   "summary": "RBI now exempts NCGTC guarantee claim amounts received by banks from NDTL computation for CRR/SLR, pending adjustment against advances. This reduces reserve requirements on these funds, easing liquidity pressure.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12403&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/131",
   "title": "RBI's 2022 Unhedged Foreign Currency Exposure Directions",
   "url": "https://bankpulse.ai/c/rbi-2022-23-131/",
   "products": [],
   "summary": "RBI consolidated UFCE guidelines into a single direction effective January 1, 2023, applicable to all commercial banks except Payments Banks and RRBs. It clarifies entity definitions, exempted exposures, and alternative assessment methods for smaller entities, aiming to strengthen risk management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12402&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/128",
   "title": "RBI Revamps ARC Governance and Capital Rules",
   "url": "https://bankpulse.ai/c/rbi-2022-23-128/",
   "products": [],
   "summary": "RBI has tightened corporate governance, capital adequacy, and disclosure norms for Asset Reconstruction Companies (ARCs) to boost transparency and efficiency. Key changes include mandatory independent chair, stricter tenure/age limits for MD/CEO, higher net-owned fund requirement, and enhanced audit",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12399&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/127",
   "title": "SPDs get forex nod, tighter prudential norms",
   "url": "https://bankpulse.ai/c/rbi-2022-23-127/",
   "products": [],
   "summary": "RBI now allows Standalone Primary Dealers to undertake foreign exchange activities as a non-core business, subject to RBI authorization and strict prudential norms including a market risk capital charge (higher of standardized approach with 15% on net open positions or internal VaR model) and a cap ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12398&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/126",
   "title": "SPDs get full forex market-making powers",
   "url": "https://bankpulse.ai/c/rbi-2022-23-126/",
   "products": [],
   "summary": "RBI now allows Standalone Primary Dealers to offer all foreign exchange market-making facilities, matching Category-I Authorised Dealers, subject to separate prudential guidelines. Effective from the date of the circular (October 11, 2022), with a new trade reporting requirement from January 1, 2023",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12397&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/125",
   "title": "Risk Weight Rules Tightened for Unrated Corporate & NBFC Exposures",
   "url": "https://bankpulse.ai/c/rbi-2022-23-125/",
   "products": [],
   "summary": "From March 31, 2023, banks cannot use a loan rating for capital computation unless the ECAI's press release names the bank and facility. Without that disclosure, the exposure must be treated as unrated, attracting applicable risk weights (100% or 150% as per extant instructions).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12396&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/124",
   "title": "RBI mandates Internal Ombudsman for Credit Information Companies",
   "url": "https://bankpulse.ai/c/rbi-2022-23-124/",
   "products": [],
   "summary": "RBI directs all Credit Information Companies (CICs) to appoint an Internal Ombudsman by April 1, 2023, to independently review customer complaints before rejection, strengthening internal grievance redressal mechanisms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12395&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/123",
   "title": "Bank Rate Hiked by 50 bps to 6.15%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-123/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 50 basis points to 6.15% effective September 30, 2022. This directly increases penal interest rates on reserve shortfalls for all banks, raising the cost of non-compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12394&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/122",
   "title": "RBI Standardises Late Submission Fee for FEMA Reporting",
   "url": "https://bankpulse.ai/c/rbi-2022-23-122/",
   "products": [],
   "summary": "RBI has unified Late Submission Fee (LSF) across foreign investment, ECB, and overseas investment reporting. Non-flow returns now attract a flat ₹7,500 fee, while flow-based returns incur ₹7,500 plus 0.025% of the amount per year of delay, capped at 100% of the amount.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12393&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/121",
   "title": "Repo Rate Hiked to 5.90%: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2022-23-121/",
   "products": [],
   "summary": "RBI hiked the policy repo rate by 50 bps to 5.90% effective immediately. The Standing Liquidity Facility for Primary Dealers is now available at the revised repo rate of 5.90%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12392&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:46 IST",
   "published_at_iso": "2026-06-19T08:46:00+05:30"
  },
  {
   "ref": "RBI/2022-23/146",
   "title": "Revised Net Worth & CRAR Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-146/",
   "products": [],
   "summary": "RBI has set minimum net worth of ₹2 crore for Tier-1 single-district UCBs and ₹5 crore for all others, with phased compliance by March 2028. Minimum CRAR is 9% for Tier-1 and 12% for Tiers 2-4, with staggered deadlines. Revaluation reserves can now count as Tier-1 capital at a 55% discount (i.e., 45",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12418&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/145",
   "title": "RBI eases rules for foreign/IFSC branches on new financial products",
   "url": "https://bankpulse.ai/c/rbi-2022-23-145/",
   "products": [],
   "summary": "RBI now allows Indian banks' foreign and IFSC branches to deal in financial products not permitted domestically, without prior RBI approval, subject to board approval, risk management, and host regulator compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12417&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/144",
   "title": "RBI Revamps UCB Categorization to Four Tiers",
   "url": "https://bankpulse.ai/c/rbi-2022-23-144/",
   "products": [],
   "summary": "RBI replaces the two-tier UCB classification with a four-tier system based on deposit size, effective immediately. This enables tailored regulations for smaller mutual banks and larger growth-oriented UCBs, enhancing financial soundness.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12416&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/143",
   "title": "Revised FSWM Criteria for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-143/",
   "products": [],
   "summary": "RBI has revised the criteria for UCBs to self-classify as Financially Sound and Well Managed (FSWM). Key changes include stricter CRAR, NPA, and profitability norms, plus mandatory CBS and professional directors. UCBs must now self-certify compliance via board resolution within 15 calendar days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12415&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/142",
   "title": "RBI Notifies MMIFOR as Significant Benchmark",
   "url": "https://bankpulse.ai/c/rbi-2022-23-142/",
   "products": [],
   "summary": "RBI has added Modified Mumbai Interbank Forward Outright Rate (MMIFOR) to the list of significant benchmarks. FBIL must apply for authorization within three months. This tightens regulatory oversight on a key forex benchmark.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12414&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/141",
   "title": "SDF Balances Now Count as HQLA for LCR",
   "url": "https://bankpulse.ai/c/rbi-2022-23-141/",
   "products": [],
   "summary": "RBI has clarified that overnight balances parked by banks under the Standing Deposit Facility (SDF) qualify as Level 1 High Quality Liquid Assets (HQLA) for computing the Liquidity Coverage Ratio (LCR), effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12413&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/140",
   "title": "GSTN Added as Financial Information Provider Under AA Framework",
   "url": "https://bankpulse.ai/c/rbi-2022-23-140/",
   "products": [],
   "summary": "RBI has included GSTN as a Financial Information Provider under the Account Aggregator framework, allowing lenders to access GST returns (GSTR-1 and GSTR-3B) with customer consent to enable cash flow-based lending to MSMEs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12412&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/139",
   "title": "Modified Interest Subvention Scheme for KCC Loans: FY2022-23 and FY2023-24",
   "url": "https://bankpulse.ai/c/rbi-2022-23-139/",
   "products": [],
   "summary": "RBI extends the Modified Interest Subvention Scheme for KCC loans through FY2023-24. Farmers get loans at 7% with 1.5% subvention to banks; timely repayment reduces effective rate to 4%. Scheme covers crop and allied activities up to ₹3 lakh.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12411&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/138",
   "title": "Nagaland New Districts: Lead Bank Assignments",
   "url": "https://bankpulse.ai/c/rbi-2022-23-138/",
   "products": [],
   "summary": "RBI has assigned lead bank responsibility for four new districts in Nagaland—Tseminyu, Niuland, Chumoukedima, and Shamator—to SBI (three) and Bank of Baroda (one). New district working codes for BSR reporting are also issued.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12410&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/137",
   "title": "Exim Bank's $300 Mn LoC for Mauritius Metro Phase-IV",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-137/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks of Exim Bank's $300 million GoI-supported Line of Credit to SBMIDCL for Mauritius Metro Express Phase-IV. At least 75% of contract value must be sourced from India. Banks must inform exporters and handle related FEMA compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12409&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/136",
   "title": "Agency Commission Settlement for Direct Tax under TIN 2.0",
   "url": "https://bankpulse.ai/c/rbi-2022-23-136/",
   "products": [],
   "summary": "RBI has shifted agency commission claims for direct tax collections under TIN 2.0 to Mumbai Regional Office only. Claims for GST and TIN 2.0 direct tax must now go to Mumbai, while OLTAS direct tax claims stay at CAS Nagpur. All other Master Circular instructions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12408&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/135",
   "title": "RRB Internet Banking Eligibility Revised",
   "url": "https://bankpulse.ai/c/rbi-2022-23-135/",
   "products": [],
   "summary": "RBI has revised eligibility criteria for RRBs to offer transactional internet banking. Key requirements: full CBS and IPv6, CRAR compliance, net worth ₹50 crore+, net NPA ≤5%, net profit in last two years, no CRR/SLR default, clean compliance record, and CISA-approved internal controls.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12407&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:36 IST",
   "published_at_iso": "2026-06-19T08:36:00+05:30"
  },
  {
   "ref": "RBI/2022-23/157",
   "title": "Lead Bank Responsibility for New Bajali District in Assam",
   "url": "https://bankpulse.ai/c/rbi-2022-23-157/",
   "products": [],
   "summary": "RBI assigns UCO Bank as lead bank for Assam's new Bajali district, carved from Barpeta. A new district working code (01O) is issued for BSR reporting. No changes to lead banks of other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12430&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/156",
   "title": "SGB Series III & IV: Subscription Dates Announced",
   "url": "https://bankpulse.ai/c/rbi-2022-23-156/",
   "products": [],
   "summary": "RBI has announced Series III and IV of the Sovereign Gold Bond Scheme 2022-23. Subscription for Series III runs Dec 19-23, 2022, issuance Dec 27; Series IV runs Mar 6-10, 2023, issuance Mar 14. Banks must accept applications and follow consolidated procedural guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12429&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/153",
   "title": "RBI Master Direction on Hedging Commodity & Freight Risk Overseas",
   "url": "https://bankpulse.ai/c/rbi-2022-23-153/",
   "products": [],
   "summary": "RBI issued a new Master Direction allowing resident entities (except individuals) to hedge commodity price and freight risks in overseas markets using futures, options, swaps, and structured products. Gold hedging is restricted to IFSC exchanges. Banks must verify exposure before permitting hedges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12428&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/94",
   "title": "RBI Master Direction: Hedging Commodity & Freight Risk Overseas",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-94/",
   "products": [],
   "summary": "RBI issued a Master Direction effective Dec 12, 2022, allowing resident non-individual entities to hedge commodity price and freight risks in overseas markets via AD Cat-I banks. It defines eligible entities, exposures, and commodities, excluding gems/precious stones, with special rules for gold.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12427&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/155",
   "title": "RBI Tightens Disclosure Norms for Banks' Balance Sheet Items",
   "url": "https://bankpulse.ai/c/rbi-2022-23-155/",
   "products": [],
   "summary": "Banks must now disclose in notes to accounts any item under 'Other Liabilities' or 'Other Assets' exceeding 1% of total assets. Payments banks also need to disclose 'Commission, Exchange and Brokerage' items crossing 1% of total income. Effective for FY ending March 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12426&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/154",
   "title": "NCLT/NCLAT Cases Must Be Reported as Suit-Filed to CICs",
   "url": "https://bankpulse.ai/c/rbi-2022-23-154/",
   "products": [],
   "summary": "RBI mandates that all cases admitted under IBC at NCLT/NCLAT be reported as suit-filed accounts to Credit Information Companies. Banks must update their reporting systems by February 28, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12425&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/152",
   "title": "RBI Issues Master Direction on Hedging Commodity & Freight Risk Overseas",
   "url": "https://bankpulse.ai/c/rbi-2022-23-152/",
   "products": [],
   "summary": "RBI issued a Master Direction under FEMA, via circular dated December 12, 2022, detailing how AD Cat-I banks must facilitate customer hedging of commodity price and freight risks in overseas markets. Banks must follow these new modalities and inform customers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12424&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/151",
   "title": "RBI allows gold price hedging in IFSC for resident entities",
   "url": "https://bankpulse.ai/c/rbi-2022-23-151/",
   "products": [],
   "summary": "RBI now permits eligible resident entities to hedge gold price risk on IFSC exchanges, reversing a prior ban. This aligns with the December 07, 2022 monetary policy statement and updates the 2018 commodity hedging directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12423&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/150",
   "title": "RBI Extends Enhanced HTM Limit for SLR Securities to March 2024",
   "url": "https://bankpulse.ai/c/rbi-2022-23-150/",
   "products": [],
   "summary": "RBI extends the enhanced HTM limit of 23% of NDTL for SLR securities until March 31, 2024, and allows inclusion of securities acquired up to that date. The limit will then be phased down to 19.5% by March 31, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12422&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/149",
   "title": "Repo Rate Hiked to 6.25%; SLF for PDs Revised",
   "url": "https://bankpulse.ai/c/rbi-2022-23-149/",
   "products": [],
   "summary": "RBI hiked the policy repo rate by 35 bps to 6.25% with immediate effect. Consequently, the Standing Liquidity Facility for Primary Dealers is now priced at the new repo rate. This aligns with the MPC's December 2022 monetary policy decision.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12421&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/148",
   "title": "RBI Hikes Bank Rate by 35 bps to 6.50%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-148/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 35 basis points to 6.50% effective December 7, 2022, aligning with the monetary policy stance. This directly increases penal interest rates on reserve shortfalls for all banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12420&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/147",
   "title": "Repo Rate Hiked 35 bps to 6.25%: SDF & MSF Adjusted",
   "url": "https://bankpulse.ai/c/rbi-2022-23-147/",
   "products": [],
   "summary": "RBI hiked the repo rate by 35 bps to 6.25% effective immediately. SDF and MSF rates are now 6.00% and 6.50% respectively. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12419&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:26 IST",
   "published_at_iso": "2026-06-19T08:26:00+05:30"
  },
  {
   "ref": "RBI/2022-23/168",
   "title": "RBI Extends Locker Agreement Renewal Deadline to Dec 31, 2023",
   "url": "https://bankpulse.ai/c/rbi-2022-23-168/",
   "products": [],
   "summary": "RBI has extended the locker agreement renewal deadline to December 31, 2023, with phased milestones. Banks must notify customers by April 30, 2023, achieve 50% execution by June 30, 75% by September 30, and report monthly on DAKSH portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12443&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/167",
   "title": "UAPA Sanctions: New UNSC Terror Listing Added",
   "url": "https://bankpulse.ai/c/rbi-2022-23-167/",
   "products": [],
   "summary": "RBI mandates all regulated entities to freeze assets and block accounts of Abdul Rehman Makki, newly added to the UNSC 1267/1989 sanctions list. Banks must immediately screen customers and report any matches to MHA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12442&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/166",
   "title": "UAPA Terrorist Designations: New Entities Added to Schedules I & IV",
   "url": "https://bankpulse.ai/c/rbi-2022-23-166/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen accounts against two newly designated terrorists and one terrorist organisation under UAPA, 1967, and report matches to FIU-IND and MHA as per existing KYC Master Direction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12441&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2022-23/95",
   "title": "RBI's 2023 Master Direction on Share Acquisition in Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2022-23-95/",
   "products": [],
   "summary": "RBI mandates prior approval for any acquisition resulting in 5% or more shareholding or voting rights in a banking company. Continuous monitoring, fit-and-proper checks, and reporting requirements apply to all banks including SFBs, PBs, and LABs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12439&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/165",
   "title": "Lead Bank for Sikkim's New Pakyong District Assigned to Central Bank of India",
   "url": "https://bankpulse.ai/c/rbi-2022-23-165/",
   "products": [],
   "summary": "RBI assigned lead bank responsibility for Sikkim's newly created Pakyong district to Central Bank of India, with district working code 01U for BSR reporting. No changes to lead banks of other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12438&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/164",
   "title": "Lead Bank for New Lower Siang District in Arunachal Pradesh",
   "url": "https://bankpulse.ai/c/rbi-2022-23-164/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for the newly formed Lower Siang district in Arunachal Pradesh, effective from January 13, 2023. A new district working code (396) is allotted for BSR reporting. Lead banks for other districts remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12437&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/163",
   "title": "RBI mandates price/yield range setting in e-Kuber for G-Sec auctions",
   "url": "https://bankpulse.ai/c/rbi-2022-23-163/",
   "products": [],
   "summary": "RBI has advised all G-Sec market participants to use the price/yield range setting facility in e-Kuber before placing bids in primary auctions, following instances of fat-finger errors. No bid cancellation requests will be accepted after auction close.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12436&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/162",
   "title": "RBI Updates List of Eligible Credit Rating Agencies for Basel III",
   "url": "https://bankpulse.ai/c/rbi-2022-23-162/",
   "products": [],
   "summary": "RBI has revised the list of domestic credit rating agencies banks can use for risk-weighting claims under Basel III capital adequacy. Acuite, CARE, CRISIL, ICRA, India Ratings, and INFOMERICS are now approved. Brickwork Ratings remains barred for fresh ratings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12435&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/161",
   "title": "Lead Bank Assignment for 5 New Chhattisgarh Districts",
   "url": "https://bankpulse.ai/c/rbi-2022-23-161/",
   "products": [],
   "summary": "RBI assigned lead bank responsibility for five new Chhattisgarh districts: SBI gets three, Bank of Baroda one, Central Bank of India one. New district working codes issued for BSR reporting. No changes for existing districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12434&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/160",
   "title": "Foreign Investment Reporting: SMF Auto-Ack & LSF on FIRMS",
   "url": "https://bankpulse.ai/c/rbi-2022-23-160/",
   "products": [],
   "summary": "RBI has automated SMF reporting on FIRMS: forms get auto-acknowledged, AD banks must verify within 5 working days, and the system calculates Late Submission Fee for delays up to 3 years. Delays beyond 3 years require compounding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12433&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/159",
   "title": "UCB Housing Loan Limits Aligned to Four-Tier Framework",
   "url": "https://bankpulse.ai/c/rbi-2022-23-159/",
   "products": [],
   "summary": "RBI has revised individual housing loan ceilings for Urban Co-operative Banks under the new four-tier structure: ₹60 lakh for Tier-1 UCBs and ₹140 lakh for Tiers 2-4. Existing loans exceeding these limits can run off till maturity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12432&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/158",
   "title": "Payment Fraud Reporting Moves to DAKSH from Jan 1, 2023",
   "url": "https://bankpulse.ai/c/rbi-2022-23-158/",
   "products": [],
   "summary": "From January 1, 2023, all payment frauds must be reported via DAKSH instead of EDSP. Banks, NBFCs, and PSOs must use DAKSH's new features like maker-checker and online reporting. Historical EDSP data will be migrated later.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12431&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:18 IST",
   "published_at_iso": "2026-06-19T08:18:00+05:30"
  },
  {
   "ref": "RBI/2022-23/180",
   "title": "RBI's New IRRBB Framework: Key Takeaways for Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-180/",
   "products": [],
   "summary": "RBI issued final guidelines on Interest Rate Risk in Banking Book (IRRBB), aligning with Basel standards. Banks must measure, monitor, and disclose ΔEVE and ΔNII under prescribed shock scenarios. Implementation date to be announced; D-SIBs must submit quarterly disclosures from the quarter ended Mar",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12456&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/179",
   "title": "RBI Notifies $100 Mn Exim Bank LOC for Maldives Projects",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-179/",
   "products": [],
   "summary": "RBI has notified a $100 million Government of India-supported Line of Credit from Exim Bank to the Maldives for developmental projects. AD Category-I banks must facilitate exports under this LOC, ensuring 75% of contract value is sourced from India and no agency commission is paid from export procee",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12455&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/178",
   "title": "FCRA Transaction Codes in NEFT/RTGS: New Mandate from March 15",
   "url": "https://bankpulse.ai/c/rbi-2022-23-178/",
   "products": [],
   "summary": "From March 15, 2023, banks must use specific transaction codes (NEFT: code 41 in field 6305, RTGS: FCRA in PmtTpInf/CtgyPurp/Cd) and pass donor details in prescribed formats (NEFT field 7495, RTGS RmtInf/Ustrd tag) when remitting foreign donations to SBI's FCRA account. This ensures MHA gets daily d",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12454&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/177",
   "title": "SBI Gets Lead Bank Role for Sikkim's New Soreng District",
   "url": "https://bankpulse.ai/c/rbi-2022-23-177/",
   "products": [],
   "summary": "RBI assigned State Bank of India as lead bank for Sikkim's newly formed Soreng district, carved from West Sikkim. A new district working code (01V) has been issued for BSR reporting. Lead banks for other Sikkim districts remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12453&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/176",
   "title": "UPI Access for Foreign Nationals and NRIs Visiting India",
   "url": "https://bankpulse.ai/c/rbi-2022-23-176/",
   "products": [],
   "summary": "RBI now allows foreign nationals and NRIs visiting India to use UPI for merchant payments, starting with G-20 travellers at select international airports. This expands PPI issuance to inbound visitors, with full rollout planned across all entry points.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12452&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/175",
   "title": "Repo Rate Hiked 25 bps to 6.50%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-175/",
   "products": [],
   "summary": "RBI raised the policy repo rate by 25 bps to 6.50% effective immediately. The SDF and MSF rates are now 6.25% and 6.75% respectively. All other LAF terms remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12451&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/174",
   "title": "Bank Rate Hiked by 25 bps to 6.75%",
   "url": "https://bankpulse.ai/c/rbi-2022-23-174/",
   "products": [],
   "summary": "RBI raised the Bank Rate by 25 basis points to 6.75% effective February 8, 2023. This directly increases penal interest rates on reserve shortfalls, impacting all banks' liquidity costs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12450&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/173",
   "title": "Repo Rate Hiked to 6.50%: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2022-23-173/",
   "products": [],
   "summary": "RBI raised the policy repo rate by 25 bps to 6.50% effective February 8, 2023. Consequently, the Standing Liquidity Facility for Primary Dealers is now priced at the new repo rate. This aligns with the MPC's monetary tightening stance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12449&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-2023/172",
   "title": "UNSC Sanctions List Updated: 29 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2022-2023-172/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately update their screening systems with the latest UNSC 1267/1989 ISIL & Al-Qaida sanctions list amendments affecting 29 entries, and ensure no accounts or transactions with listed individuals/entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12448&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/171",
   "title": "UAPA Update: ISIL-Southeast Asia Added to UN Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2022-23-171/",
   "products": [],
   "summary": "RBI directs all regulated entities to freeze assets and deny services to Islamic State in Iraq and the Levant in South-East Asia (ISIL-SEA), added to the UNSC 1267/1989 sanctions list on January 27, 2022. Check existing accounts and update screening databases immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12447&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/170",
   "title": "UAPA Terrorist Designation: 3 New Names Added",
   "url": "https://bankpulse.ai/c/rbi-2022-23-170/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen customers against three newly designated terrorists under UAPA, 1967, and report matches to FIU-IND and MHA as per existing KYC Master Direction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12446&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/169",
   "title": "Sovereign Green Bonds Now Open to Non-Residents via FAR",
   "url": "https://bankpulse.ai/c/rbi-2022-23-169/",
   "products": [],
   "summary": "RBI has designated all Sovereign Green Bonds issued in FY 2022-23 as 'specified securities' under the Fully Accessible Route, allowing non-resident investors unrestricted access alongside domestic investors, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12444&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:10 IST",
   "published_at_iso": "2026-06-19T08:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/01",
   "title": "RBI Master Circular: Credit Boost for SC/ST Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2023-24-01/",
   "products": [],
   "summary": "RBI consolidated all prior guidelines on credit facilities for Scheduled Castes and Scheduled Tribes into a single Master Circular. Banks must prioritize SC/ST lending through district credit plans, adopt villages with high SC/ST populations, and ensure timely, adequate loans without insisting on de",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12468&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/02",
   "title": "Master Circular on Credit Facilities to Minority Communities",
   "url": "https://bankpulse.ai/c/rbi-2023-24-02/",
   "products": [],
   "summary": "RBI consolidates all prior instructions on credit to minority communities into one Master Circular. Banks must ensure fair credit flow to 121 minority concentration districts and meet the 12% weaker sections sub-target under priority sector lending, which includes minorities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12467&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/190",
   "title": "Special Clearing for Government Cheques on March 31, 2023",
   "url": "https://bankpulse.ai/c/rbi-2022-23-190/",
   "products": [],
   "summary": "RBI mandates special clearing for government cheques on March 31, 2023 across CTS grids to ensure all government transactions are accounted for the financial year. Banks must participate and keep processing infrastructure open during specified hours.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12466&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/189",
   "title": "Revised Net Worth & Capital Adequacy for UCBs Effective March 31, 2023",
   "url": "https://bankpulse.ai/c/rbi-2022-23-189/",
   "products": [],
   "summary": "RBI has confirmed that the revised net worth and capital adequacy framework for Urban Co-operative Banks (UCBs) will take effect from March 31, 2023, as per the December 1, 2022 circular. All other existing instructions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12465&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/188",
   "title": "Abu Dhabi Commercial Bank PJSC ceases to be a banking company under BR Act",
   "url": "https://bankpulse.ai/c/rbi-2022-23-188/",
   "products": [],
   "summary": "RBI notifies that Abu Dhabi Commercial Bank PJSC has ceased to be a banking company under Section 36A(2) of the Banking Regulation Act, 1949, effective from a notification dated February 23, 2023, published in the Gazette of India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12464&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/187",
   "title": "Abu Dhabi Commercial Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2022-23-187/",
   "products": [],
   "summary": "RBI has excluded Abu Dhabi Commercial Bank PJSC from the Second Schedule of the RBI Act, 1934, effective from a February 2023 notification. This means the bank is no longer treated as a scheduled bank under Indian law.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12463&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/186",
   "title": "FY23 Year-End: Govt Account Closing Instructions for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-186/",
   "products": [],
   "summary": "All government transactions for FY 2022-23 must be booked within the same year. Agency banks must keep branches open on March 31, 2023, for over-the-counter govt transactions, extend NEFT/RTGS till midnight, and report to RBI by noon on April 1, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12462&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/185",
   "title": "UNSC Sanctions List Updated: 102 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2022-23-185/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening against the amended UNSC ISIL & Al-Qaida sanctions list (102 entries changed). No accounts must exist for listed individuals/entities. Immediate compliance with KYC Master Direction sections 51-53 is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12461&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/184",
   "title": "March 2023 Central Govt Transactions: Closure & Reporting",
   "url": "https://bankpulse.ai/c/rbi-2022-23-184/",
   "products": [],
   "summary": "The Government of India has set April 10, 2023 as the residual transaction closure date for March 2023. Agency banks must use special courier arrangements to ensure all March collections/payments are accounted in FY 2022-23. Nodal branches must prepare separate scrolls for March residual and April t",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12460&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/183",
   "title": "UAPA: 1 Individual & 2 Groups Added to Terror Lists",
   "url": "https://bankpulse.ai/c/rbi-2022-23-183/",
   "products": [],
   "summary": "RBI directs all regulated entities to immediately apply UAPA screening to one individual and two organisations newly listed in Schedule IV and I of the UAPA, 1967 via MHA gazette notifications dated February 17, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12459&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/182",
   "title": "RBI tightens rules on unrealised management fee for ARCs under Ind AS",
   "url": "https://bankpulse.ai/c/rbi-2022-23-182/",
   "products": [],
   "summary": "RBI now requires ARCs to deduct unrealised management fee (over 180 days) from net owned funds for capital adequacy and dividend calculations, with additional provisions for security receipts below 50% face value.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12458&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2022-23/181",
   "title": "RBI extends financial disclosure norms to rural co-op banks",
   "url": "https://bankpulse.ai/c/rbi-2022-23-181/",
   "products": [],
   "summary": "RBI has made its 2021 Master Direction on financial statement presentation and disclosures applicable to State and Central Co-operative Banks from FY ending March 2023, with certain additional disclosures from FY ending March 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12457&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 08:02 IST",
   "published_at_iso": "2026-06-19T08:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/14",
   "title": "RBI Green Deposit Framework: Key Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-14/",
   "products": [],
   "summary": "RBI's new Green Deposit Framework, effective June 1, 2023, requires scheduled commercial banks and deposit-taking NBFCs to earmark proceeds from green deposits for eligible green activities, preventing greenwashing and boosting green finance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12487&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/13",
   "title": "RBI launches APConnect portal for FFMCs and non-bank AD Cat-II",
   "url": "https://bankpulse.ai/c/rbi-2023-24-13/",
   "products": [],
   "summary": "RBI has launched APConnect, an online portal for FFMCs and non-bank AD Cat-II to handle licensing, renewals, and returns. Existing entities must register within three months from April 6, 2023. New applicants must use only this portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12485&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/12",
   "title": "Master Circular for Asset Reconstruction Companies",
   "url": "https://bankpulse.ai/c/rbi-2023-24-12/",
   "products": [],
   "summary": "RBI consolidated all ARC guidelines into a single master circular as of March 31, 2023, covering registration, capital adequacy, asset classification, and governance. ARCs must comply with Ind AS from FY2019-20 and follow updated definitions and reporting norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12484&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/11",
   "title": "Master Circular on Lead Bank Scheme: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-11/",
   "products": [],
   "summary": "RBI consolidated all Lead Bank Scheme guidelines up to March 31, 2023 into one master circular. It covers forum structures, credit planning, banking penetration, and digital payments. Banks must align with updated norms for district-level coordination and financial inclusion targets.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12478&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/10",
   "title": "Master Circular: Government Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-10/",
   "products": [],
   "summary": "RBI has updated its master circular on government pension disbursement by agency banks, consolidating instructions up to March 31, 2023. Key changes include allowing banks to act on DR orders from government websites, emphasizing prompt implementation without waiting for RBI instructions, and clarif",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12477&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/09",
   "title": "Master Circular: Bank Finance to NBFCs (2023)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-09/",
   "products": [],
   "summary": "RBI consolidated its guidelines on bank finance to NBFCs into a single master circular as of April 3, 2023. Key changes include withdrawal of the NOF-linked credit ceiling for registered NBFCs and permission to lend against second-hand assets. Banks must align internal policies with these updated no",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12476&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/08",
   "title": "Master Circular on Housing Finance: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-08/",
   "products": [],
   "summary": "RBI consolidated all housing finance instructions up to March 31, 2023, into a single master circular. It covers loan quantum, interest rates, priority sector treatment, and affordable housing bonds. Banks must ensure compliance with statutory directives under the Banking Regulation Act, 1949.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12475&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/07",
   "title": "Master Circular on Agency Commission for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2023-24-07/",
   "products": [],
   "summary": "RBI updated its master circular on agency commission for banks handling government business, dated April 1, 2023, consolidating instructions issued up to March 31, 2023. The circular clarifies that stamp duty collected via physical or e-mode (challan-based) is eligible for commission, provided banks",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12474&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/06",
   "title": "RBI Master Circular on IRAC Norms for Advances (2023)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-06/",
   "products": [],
   "summary": "RBI consolidated all IRAC norms for commercial banks (excluding RRBs) as of March 31, 2023. This annual master circular updates previous instructions on income recognition, asset classification, and provisioning for advances, ensuring consistency and transparency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12472&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/04",
   "title": "Master Circular on Guarantees and Co-acceptances 2023",
   "url": "https://bankpulse.ai/c/rbi-2023-24-04/",
   "products": [],
   "summary": "RBI consolidated all instructions on guarantees and co-acceptances for scheduled commercial banks (excluding Payments Banks and RRBs) as of March 31, 2023. Key updates include allowing guarantees beyond 10 years for long-term project loans, with ALM impact assessment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12471&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/03",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2023-24-03/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank Linkage guidelines into one master circular, dated April 1, 2023. Banks must meet entire credit needs of SHG members, simplify procedures, and include SHG lending in credit plans. This reinforces hassle-free financing and women-focused inclusion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12470&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/05",
   "title": "Master Circular on Guarantees, Co-Acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-05/",
   "products": [],
   "summary": "RBI consolidated all instructions on guarantees, co-acceptances, and letters of credit for Primary Urban Co-operative Banks (UCBs) as of March 31, 2023. Key limits: total guarantees capped at 10% of owned resources, unsecured guarantees at 25% of owned funds or total guarantees (whichever less), and",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12469&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:54 IST",
   "published_at_iso": "2026-06-19T07:54:00+05:30"
  },
  {
   "ref": "RBI/2023-24/26",
   "title": "Master Circular on IRAC Norms for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-26/",
   "products": [],
   "summary": "RBI consolidated all IRAC norms for Primary Urban Co-operative Banks into a single master circular, effective May 8, 2023. Key rules: NPA classification at 90 days overdue, borrower-wise asset tagging, and specific provisioning norms. No new policy changes; it updates and replaces the April 2022 cir",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12499&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/25",
   "title": "RBI Updates Wire Transfer KYC Rules, Aligns with FATF",
   "url": "https://bankpulse.ai/c/rbi-2023-24-25/",
   "products": [],
   "summary": "RBI has amended the Master Direction on KYC to update wire transfer instructions, effective immediately. The changes align Section 64 with FATF recommendations and add new definitions. All regulated entities must comply from May 4, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12498&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/24",
   "title": "RBI amends KYC Master Direction: WMD Act, FATF alignment",
   "url": "https://bankpulse.ai/c/rbi-2023-24-24/",
   "products": [],
   "summary": "RBI has amended the KYC Master Direction to align with recent PMLA rule changes, incorporate WMD Act Section 12A procedures, update FATF recommendations, and refine existing instructions. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12497&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/23",
   "title": "UAPA Sanctions List Updated: Two ISIL-K Terrorists Added",
   "url": "https://bankpulse.ai/c/rbi-2023-24-23/",
   "products": [],
   "summary": "RBI directs all regulated entities to immediately screen accounts against two new UNSC sanctions list entries—Maulawi Rajab and Sultan Aziz Azam, both senior ISIL-Khorasan figures—and freeze any linked assets per UAPA Section 51A.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12496&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/22",
   "title": "Assam District Mergers: Lead Bank Roles Stay with Original Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-22/",
   "products": [],
   "summary": "RBI confirms that after Assam's merger of Biswanath, Hojai, and Bajali districts into Sonitpur, Nagaon, and Barpeta, the existing lead banks (UCO Bank, Punjab National Bank, UCO Bank) retain responsibility for the undivided districts including merged areas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12495&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/21",
   "title": "LRS: No More 15-Day Repatriation Rule for IFSC Accounts",
   "url": "https://bankpulse.ai/c/rbi-2023-24-21/",
   "products": [],
   "summary": "RBI has scrapped the mandatory 15-day repatriation condition for idle funds in Foreign Currency Accounts opened by residents in IFSCs under LRS. This aligns IFSC rules with other foreign jurisdictions, giving account holders more flexibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12494&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/20",
   "title": "DAY-NRLM Master Circular: Updated Guidelines for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-20/",
   "products": [],
   "summary": "RBI consolidated all DAY-NRLM instructions into a single master circular, replacing the July 2022 version. Banks must follow updated norms for SHG accounts, KYC, and financial assistance. No capital subsidy is provided; revolving fund and CIF remain key.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12493&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/19",
   "title": "RBI Revamps General Credit Card Facility for MSMEs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-19/",
   "products": [],
   "summary": "RBI has replaced the 2013 GCC Scheme with a new 'General Credit Card (GCC) Facility' effective April 25, 2023. It aligns with the 2022 Master Direction on credit cards, targets non-farm entrepreneurial activities under priority sector, and mandates credit card format with board-approved policies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12492&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/18",
   "title": "UCB Standard Asset Provisioning Norms Harmonised Under Four-Tier Framework",
   "url": "https://bankpulse.ai/c/rbi-2023-24-18/",
   "products": [],
   "summary": "RBI has harmonised standard asset provisioning norms for all four tiers of Urban Co-operative Banks, effective April 24, 2023. Tier 1 UCBs get a staggered path to increase provisioning on 'other loans' from 0.25% to 0.40% by March 31, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12491&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/17",
   "title": "Master Circular: Capital Adequacy Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-17/",
   "products": [],
   "summary": "RBI consolidated prudential norms on capital adequacy for Primary (Urban) Co-operative Banks (UCBs). Key requirements: minimum net worth of ₹2 crore for single-district UCBs and ₹5 crore for all others, with phased compliance by March 2028; Tier 2-4 UCBs must achieve a minimum CRAR of 12% by March 2",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12490&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/16",
   "title": "AD Category-II entities can now allow online Form A2 submission",
   "url": "https://bankpulse.ai/c/rbi-2023-24-16/",
   "products": [],
   "summary": "RBI now permits AD Category-II entities to allow online submission of Form A2, extending a facility previously available only to AD Category-I banks. Entities must frame board-approved guidelines and comply with existing FEMA and KYC norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12489&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/15",
   "title": "Housing Finance Master Circular for Urban Co-op Banks (RBI/2023-24/15 DOR.CRE.REC.No.9/07.10.002/2023-24)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-15/",
   "products": [],
   "summary": "RBI consolidated housing finance guidelines for Primary Urban Co-operative Banks (UCBs) into a single Master Circular (RBI/2023-24/15 DOR.CRE.REC.No.9/07.10.002/2023-24), updating all prior instructions. UCBs can now set loan amounts, margins, and terms based on board-approved policies and borrower ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12488&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:46 IST",
   "published_at_iso": "2026-06-19T07:46:00+05:30"
  },
  {
   "ref": "RBI/2023-24/38",
   "title": "Call Money Borrowing Limits: Banks Get Autonomy",
   "url": "https://bankpulse.ai/c/rbi-2023-24-38/",
   "products": [],
   "summary": "Scheduled Commercial Banks (excluding SFBs and PBs) can now set their own borrowing limits in Call and Notice Money Markets, subject to board-approved internal limits and prudential inter-bank liability norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12511&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/37",
   "title": "RBI Expands TReDS: Insurance, More Financiers, Secondary Market",
   "url": "https://bankpulse.ai/c/rbi-2023-24-37/",
   "products": [],
   "summary": "RBI has expanded TReDS guidelines to include insurance companies as fourth participants, allow all entities permitted under Factoring Regulation Act as financiers, enable secondary market for factoring units, and permit settlement of all factoring units via NACH.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12510&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/36",
   "title": "RBI expands onshore INR NDDC market for residents and banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-36/",
   "products": [],
   "summary": "RBI now permits AD Cat-I banks at IFSC to offer INR NDDCs to resident non-retail users for hedging, with INR cash settlement. Inter-bank and cross-border NDDCs can also be cash-settled in INR or any foreign currency, deepening the onshore derivatives market.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12509&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/35",
   "title": "UNSC Sanctions List: Two Entries Removed – UAPA Compliance Update",
   "url": "https://bankpulse.ai/c/rbi-2023-24-35/",
   "products": [],
   "summary": "RBI notifies removal of two individuals from UNSC ISIL/Al-Qaida sanctions list per UNSC press release SC/15309. Regulated entities must update their screening databases and cease applying asset freeze, travel ban, and arms embargo to these names, while continuing to follow UAPA procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12508&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/34",
   "title": "UAPA Sanctions List Updated: One Entry Amended",
   "url": "https://bankpulse.ai/c/rbi-2023-24-34/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their screening systems with the latest UNSC sanctions list amendment for one individual linked to ISIL/Al-Qaida, as per circular dated June 5, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12507&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/33",
   "title": "₹2000 Note Exchange: Banks Must Maintain Daily Data",
   "url": "https://bankpulse.ai/c/rbi-2023-24-33/",
   "products": [],
   "summary": "RBI directs banks to continue over-the-counter exchange of ₹2000 notes as before, provide summer amenities like shade and water, and maintain daily deposit/exchange data for submission on demand.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12506&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/32",
   "title": "₹2000 Notes Withdrawn from Circulation, Still Legal Tender",
   "url": "https://bankpulse.ai/c/rbi-2023-24-32/",
   "products": [],
   "summary": "RBI has withdrawn ₹2000 banknotes from circulation, but they remain legal tender. Banks must stop issuing these notes immediately, accept deposits without restriction, and offer exchange up to ₹20,000 per transaction until September 30, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12505&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/31",
   "title": "RBI Updates Basel III Capital Master Circular",
   "url": "https://bankpulse.ai/c/rbi-2023-24-31/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Basel III capital regulations, updating and replacing the April 2022 version. It applies to all scheduled commercial banks except SFBs, PBs, and RRBs. The circular lists all consolidated circulars in Annex 26.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12504&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/30",
   "title": "Final LIBOR Transition Deadline: No New US$ LIBOR or MIFOR Contracts After June 30, 2023",
   "url": "https://bankpulse.ai/c/rbi-2023-24-30/",
   "products": [],
   "summary": "RBI mandates banks to stop all new US$ LIBOR and MIFOR-linked contracts immediately and complete fallback clause insertion in legacy contracts before June 30, 2023. Synthetic LIBOR cannot substitute fallbacks. Systems must be ready for full transition from July 1, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12503&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/29",
   "title": "RBI bans forex-denominated charges on prepaid travel cards",
   "url": "https://bankpulse.ai/c/rbi-2023-24-29/",
   "products": [],
   "summary": "RBI has directed that all fees/charges payable in India on forex prepaid cards, store value cards, and travel cards must be denominated and settled in Rupees only, not in foreign currency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12502&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/28",
   "title": "Lead Bank for New Leparada District in Arunachal Pradesh",
   "url": "https://bankpulse.ai/c/rbi-2023-24-28/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for the newly formed Leparada district in Arunachal Pradesh, carved from Lower Siang. A new district working code (00R) is issued for BSR reporting. No changes to other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12501&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/27",
   "title": "Udyam Assist Certificates Now Valid for PSL Benefits",
   "url": "https://bankpulse.ai/c/rbi-2023-24-27/",
   "products": [],
   "summary": "The Government of India, via Gazette Notification, has specified that Udyam Assist Certificates are at par with Udyam Registration Certificates for Priority Sector Lending benefits, enabling informal micro enterprises without PAN/GSTIN to access PSL benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12500&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:38 IST",
   "published_at_iso": "2026-06-19T07:38:00+05:30"
  },
  {
   "ref": "RBI/2023-24/49",
   "title": "NongHyup Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2023-24-49/",
   "products": [],
   "summary": "RBI has included NongHyup Bank in the Second Schedule of the RBI Act, 1934, effective June 20, 2023. This grants it scheduled bank status, subjecting it to RBI's regulatory framework and privileges under Indian banking law.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12523&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/48",
   "title": "WMD Act Designated List Updated: UNSC Sanctions Amendments",
   "url": "https://bankpulse.ai/c/rbi-2023-24-48/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their sanctions screening with the latest UNSC amendments to the DPRK and Iran designated lists under the WMD Act, 2005.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12522&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/47",
   "title": "RBI Updates WMD Act Sanctions List for DPRK and Iran",
   "url": "https://bankpulse.ai/c/rbi-2023-24-47/",
   "products": [],
   "summary": "RBI has circulated the consolidated UNSC designated list of sanctioned individuals and entities under the WMD Act, 2005, covering DPRK and Iran. Regulated entities must ensure meticulous compliance with this list as per the KYC Master Direction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12521&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2023-24/103",
   "title": "RBI's New Operational Risk Capital Rules: Basel III SA",
   "url": "https://bankpulse.ai/c/rbi-dor-2023-24-103/",
   "products": [],
   "summary": "RBI issued a Master Direction replacing existing operational risk capital approaches (BIA, TSA, ASA, AMA) with the Basel III Standardised Approach. Implementation date is yet to be announced. Until then, banks must continue using current Basel III capital circular instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12520&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/46",
   "title": "MIFOR ceases to be a significant benchmark from July 1, 2023",
   "url": "https://bankpulse.ai/c/rbi-2023-24-46/",
   "products": [],
   "summary": "RBI has approved FBIL to stop publishing MIFOR after June 30, 2023, due to USD LIBOR cessation. MIFOR is removed from the list of significant benchmarks effective July 1, 2023. The updated list now includes six benchmarks, with MMIFOR retained.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12519&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/45",
   "title": "RBI Allows LRS Remittances for Studies Abroad to IFSCs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-45/",
   "products": [],
   "summary": "RBI now permits resident individuals to remit funds under LRS to IFSCs for 'studies abroad' fees to foreign universities/institutions, expanding beyond earlier investment-only scope.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12518&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/44",
   "title": "Sovereign Gold Bond Scheme 2023-24: Tranche Dates and Procedures",
   "url": "https://bankpulse.ai/c/rbi-2023-24-44/",
   "products": [],
   "summary": "RBI has opened the Sovereign Gold Bond Scheme for FY 2023-24 with two tranches. Series I subscription runs June 19-23, 2023, issuance June 27. Series II runs September 11-15, 2023, issuance September 20. Banks must accept applications, verify PAN, and upload investor email IDs on the Ekuber portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12517&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/43",
   "title": "ICEGATE Agency Commission Claims: New Settlement Route",
   "url": "https://bankpulse.ai/c/rbi-2023-24-43/",
   "products": [],
   "summary": "From April 1, 2023, agency banks must submit commission claims for indirect taxes collected via ICEGATE to RBI's Mumbai Regional Office, not CAS Nagpur. This aligns with existing GST and TIN 2.0 direct tax claim procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12516&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/42",
   "title": "RBI Extends PSL Glide Path for Urban Co-op Banks by Two Years",
   "url": "https://bankpulse.ai/c/rbi-2023-24-42/",
   "products": [],
   "summary": "RBI has extended the timeline for Urban Co-operative Banks to meet revised Priority Sector Lending targets by two years, now due by March 31, 2026. The glide path for overall PSL and weaker sections sub-targets is relaxed, and shortfall contributions to RIDF are waived for FY21 and FY22.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12515&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/41",
   "title": "RBI Finalizes Default Loss Guarantee Rules for Digital Lending",
   "url": "https://bankpulse.ai/c/rbi-2023-24-41/",
   "products": [],
   "summary": "RBI has issued final guidelines permitting Default Loss Guarantee (DLG) arrangements in digital lending, effective June 8, 2023 (repealed by RBI (Digital Lending) Directions, 2025 dated May 8, 2025). These arrangements, commonly known as FLDG, are now allowed subject to specific conditions, includin",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12514&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/40",
   "title": "RBI's New Framework for Compromise Settlements and Technical Write-offs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-40/",
   "products": [],
   "summary": "RBI issued a comprehensive framework for compromise settlements and technical write-offs, effective June 8, 2023. It requires all regulated entities to adopt board-approved policies covering settlement processes, permissible sacrifice, and staff accountability, aiming to streamline stressed asset re",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12513&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/39",
   "title": "UCB Branch Expansion: General Permission for FSWM Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-39/",
   "products": [],
   "summary": "RBI grants general permission for branch expansion to Financially Sound and Well Managed (FSWM) Urban Co-operative Banks (UCBs) in their approved area of operation, allowing up to 10% of existing branches (max 5) per year without prior RBI approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12512&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:30 IST",
   "published_at_iso": "2026-06-19T07:30:00+05:30"
  },
  {
   "ref": "RBI/2023-24/60",
   "title": "RBI Mandates 30-Day Document Release After Loan Closure",
   "url": "https://bankpulse.ai/c/rbi-2023-24-60/",
   "products": [],
   "summary": "RBI now requires lenders to release all original property documents within 30 days of full loan repayment or settlement, with a ₹5,000 per day penalty for delays attributable to the lender.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12535&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2023-24/104",
   "title": "RBI Revamps Bank Investment Portfolio Rules: New Classification & Valuation Norms",
   "url": "https://bankpulse.ai/c/rbi-dor-2023-24-104/",
   "products": [],
   "summary": "RBI issued revised Master Directions on classification, valuation, and operation of investment portfolios for commercial banks (excluding RRBs), effective April 1, 2024. Key changes include symmetric fair value treatment, a defined trading book under Held for Trading, removal of the 90-day HFT holdi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12534&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/59",
   "title": "RBI phases out incremental CRR in three tranches",
   "url": "https://bankpulse.ai/c/rbi-2023-24-59/",
   "products": [],
   "summary": "RBI will release the incremental CRR (I-CRR) impounded since August 10, 2023 in three stages starting September 9, 2023, to avoid liquidity shocks. 25% released on Sep 9, another 25% on Sep 23, and the remaining 50% on Oct 7, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12533&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/58",
   "title": "Credit Lines via UPI: RBI Expands Funding Options",
   "url": "https://bankpulse.ai/c/rbi-2023-24-58/",
   "products": [],
   "summary": "RBI now allows scheduled commercial banks to link pre-sanctioned credit lines to UPI for individual customers, with their consent. This expands UPI funding beyond savings accounts, overdrafts, wallets, and credit cards, enabling direct credit line payments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12532&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/57",
   "title": "Offline UPI limit raised to ₹500 per transaction",
   "url": "https://bankpulse.ai/c/rbi-2023-24-57/",
   "products": [],
   "summary": "RBI has increased the per-transaction limit for small-value offline digital payments from ₹200 to ₹500, effective immediately. All other framework conditions remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12531&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/56",
   "title": "WMD Act Compliance: UNSC Sanctions List Updated",
   "url": "https://bankpulse.ai/c/rbi-2023-24-56/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their designated lists per UNSC 1718 sanctions amendments on DPRK, effective upon receipt. Daily verification of the UNSCR 1718 Sanctions List of Designated Individuals and Entities, as available on the MEA website, is required to ensure compliance with ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12530&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/55",
   "title": "RBI Tightens Rules on Floating Rate Personal Loan EMI Resets",
   "url": "https://bankpulse.ai/c/rbi-2023-24-55/",
   "products": [],
   "summary": "RBI mandates lenders to give borrowers a clear choice at interest rate resets: increase EMI, extend tenor, or both. Lenders may also offer a switch to fixed rates at their option and must ensure transparent communication. Non-compliance risks consumer grievances and regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12529&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/54",
   "title": "RBI Overhauls IDF-NBFC Rules: Higher Capital, More Flexibility",
   "url": "https://bankpulse.ai/c/rbi-2023-24-54/",
   "products": [],
   "summary": "RBI has revised IDF-NBFC regulations, effective August 18, 2023. Key changes include a higher minimum net owned funds of ₹300 crore, a 15% CRAR, removal of the sponsor requirement, optional tripartite agreements, and new fund-raising flexibility via short-term bonds and CPs up to 10% of borrowings.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12528&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/53",
   "title": "RBI Bans Penal Interest, Mandates Flat Penal Charges from Jan 2024",
   "url": "https://bankpulse.ai/c/rbi-2023-24-53/",
   "products": [],
   "summary": "From January 1, 2024, banks must replace penal interest with flat penal charges on loan defaults. These charges cannot be added to the interest rate or compounded. The move aims to stop revenue extraction and ensure fair, transparent penalties for credit discipline.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12527&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/52",
   "title": "RBI Imposes 10% Incremental CRR on NDTL Growth",
   "url": "https://bankpulse.ai/c/rbi-2023-24-52/",
   "products": [],
   "summary": "RBI mandates a 10% incremental CRR on NDTL growth from May 19 to July 28, 2023, effective August 12, 2023, to absorb surplus liquidity. This temporary measure will be reviewed by September 8, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12526&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/51",
   "title": "UCB Advances Master Circular: Key Updates for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-51/",
   "products": [],
   "summary": "RBI consolidated all advance management guidelines for Primary Urban Co-operative Banks into a single Master Circular, effective July 25, 2023. It covers working capital assessment, credit administration, restructuring, and lending norms, replacing the April 2022 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12525&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/50",
   "title": "UAPA Sanctions List Updated: Two Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2023-24-50/",
   "products": [],
   "summary": "RBI has notified updates to the UNSC 1267/1989 sanctions list, amending two entries (Yazid Sufaat and Faysal Ahmad Bin Ali Al-Zahrani). Regulated Entities must immediately screen accounts and freeze assets of these individuals as per Section 51A of UAPA, 1967, and follow the procedure in the UAPA Or",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12524&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:26 IST",
   "published_at_iso": "2026-06-19T07:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/73",
   "title": "RBI Tightens Credit Bureau Grievance Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-73/",
   "products": [],
   "summary": "RBI mandates CICs to alert customers via SMS/email when credit reports are accessed, and CIs to alert customers when defaults are reported. Banks must set up nodal officers for CIC grievances, conduct half-yearly root cause analysis, and explain data correction rejections. Compliance is mandatory fo",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12553&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/71",
   "title": "DEA Fund Transfers: New Disclosure Rules for Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-71/",
   "products": [],
   "summary": "RBI now requires all cooperative banks to show unclaimed liabilities transferred to the DEA Fund under 'Contingent Liabilities – Others', aligning with commercial banks. This applies from FY ending March 2024 onwards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12552&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/70",
   "title": "RBI mandates at least two Whole Time Directors on bank boards",
   "url": "https://bankpulse.ai/c/rbi-2023-24-70/",
   "products": [],
   "summary": "RBI now requires all private sector banks and foreign bank subsidiaries to have at least two Whole Time Directors (WTDs), including the MD&CEO, on their boards. Banks not meeting this must submit appointment proposals within four months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12551&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/69",
   "title": "RBI updates KYC Master Direction with new PML Rules, UAPA, WMD Act, FCRA section",
   "url": "https://bankpulse.ai/c/rbi-2023-24-69/",
   "products": [],
   "summary": "RBI has amended its KYC Master Direction to align with recent PML Rules amendments, updated UAPA and WMD Act orders, FATF recommendations, and added a new section on FCRA. All regulated entities must comply immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12549&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/68",
   "title": "Reverse Repo Reporting in Form A: RBI Clarifies Classification",
   "url": "https://bankpulse.ai/c/rbi-2023-24-68/",
   "products": [],
   "summary": "RBI has standardized how banks report reverse repo transactions in Form A Return. Short-tenor reverse repos (≤14 days) with banks go under 'Money at call and short notice'; longer ones under 'Advances to banks'. All reverse repos with non-banks go under 'Bank Credit'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12548&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/67",
   "title": "PCA Framework Extended to Government NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-67/",
   "products": [],
   "summary": "RBI extends Prompt Corrective Action (PCA) framework to government NBFCs (excluding Base Layer) from October 1, 2024, based on March 31, 2024 audited financials. This brings them under the same early intervention rules as private NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12543&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/66",
   "title": "Gold Loan Bullet Repayment Limit Doubled for Compliant UCBs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-66/",
   "products": [],
   "summary": "RBI has doubled the gold loan bullet repayment ceiling from ₹2 lakh to ₹4 lakh for Primary Urban Co-operative Banks that met overall PSL targets and sub-targets as of March 31, 2023, and continue to comply. This incentivizes priority sector lending performance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12542&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/65",
   "title": "March 31, 2024: Sunday declared working day for govt transactions on e-Kuber",
   "url": "https://bankpulse.ai/c/rbi-2023-24-65/",
   "products": [],
   "summary": "RBI has declared March 31, 2024 (Sunday) a working day for government transactions on e-Kuber to ensure all FY2023-24 receipts and payments are accounted within the financial year. Agency banks must process and submit luggage files on that day.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12541&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/64",
   "title": "₹2000 Note Withdrawal: Final Extension Till Oct 7, 2023",
   "url": "https://bankpulse.ai/c/rbi-2023-24-64/",
   "products": [],
   "summary": "RBI extends ₹2000 note deposit/exchange at banks till Oct 7, 2023. From Oct 8, only RBI offices will accept them. 96% of notes (₹3.42 lakh crore) already returned. Notes remain legal tender.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12540&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/63",
   "title": "SARFAESI Asset Possession Disclosures Mandated",
   "url": "https://bankpulse.ai/c/rbi-2023-24-63/",
   "products": [],
   "summary": "RBI now requires all secured creditors to publicly display details of borrowers whose secured assets have been taken into possession under SARFAESI Act, 2002. First list must be uploaded within six months from September 25, 2023, and updated monthly thereafter.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12539&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/62",
   "title": "RBI expands Data Quality Index to commercial and microfinance segments",
   "url": "https://bankpulse.ai/c/rbi-2023-24-62/",
   "products": [],
   "summary": "RBI mandates Credit Information Companies to prepare Data Quality Index (DQI) for commercial and microfinance segments by March 31, 2024. Monthly numeric scores at CI and file level must be shared with credit institutions, with half-yearly industry benchmarks and decline reasons.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12537&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-24/61",
   "title": "PM Vishwakarma Scheme: Credit Support for Artisans",
   "url": "https://bankpulse.ai/c/rbi-2023-24-61/",
   "products": [],
   "summary": "RBI notifies banks and NBFCs about the PM Vishwakarma Scheme, offering concessional credit with interest subvention to artisans and craftspeople. Lenders must follow scheme guidelines from the Ministry of MSME.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12536&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:18 IST",
   "published_at_iso": "2026-06-19T07:18:00+05:30"
  },
  {
   "ref": "RBI/2023-2024/84",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated for 5 Entries",
   "url": "https://bankpulse.ai/c/rbi-2023-2024-84/",
   "products": [],
   "summary": "RBI mandates all regulated entities to screen accounts against the updated UNSC 1267/1989 sanctions list. Four individual entries have been amended per UNSC press release SC/15492 dated November 14, 2023. Immediate compliance with Section 51A of UAPA, 1967 is required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12566&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-2024/83",
   "title": "RBI allows advance payment for silver imports via IIBX",
   "url": "https://bankpulse.ai/c/rbi-2023-2024-83/",
   "products": [],
   "summary": "AD Category-I banks can now allow Qualified Jewellers to remit advance payment for 11 days for silver imports through IIBX, mirroring existing gold import rules under A.P. (DIR Series) Circular No.04 dated May 25, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12565&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/82",
   "title": "RBI Assigns Lead Banks for 19 New Rajasthan Districts",
   "url": "https://bankpulse.ai/c/rbi-2023-24-82/",
   "products": [],
   "summary": "RBI has designated lead banks for 19 newly formed districts in Rajasthan, following a government notification effective from August 7, 2023. The RBI assignment was issued on November 10, 2023. Banks like PNB, SBI, BoB, UCO, and ICICI get new responsibilities. No changes for existing districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12564&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/81",
   "title": "Sovereign Green Bonds added to FAR for non-resident investors",
   "url": "https://bankpulse.ai/c/rbi-2023-24-81/",
   "products": [],
   "summary": "RBI has included all Sovereign Green Bonds issued in FY 2023-24 under the Fully Accessible Route (FAR), allowing non-resident investors to invest without restrictions, alongside domestic investors. This expands the eligible securities basket for foreign portfolio investment in government securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12563&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/80",
   "title": "RBI Brings Cross-Border Payment Aggregators Under Direct Regulation",
   "url": "https://bankpulse.ai/c/rbi-2023-24-80/",
   "products": [],
   "summary": "RBI now directly regulates all entities handling cross-border payments for imports/exports, classifying them as Payment Aggregator-Cross Border (PA-CB). Non-bank PAs must apply for authorization by April 30, 2024, and comply with existing PA guidelines within three months from October 31, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12561&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/79",
   "title": "RBI NOC Mandatory for Co-op Bank Name Changes",
   "url": "https://bankpulse.ai/c/rbi-2023-24-79/",
   "products": [],
   "summary": "Co-operative banks must now obtain RBI's no-objection certificate before changing their name or altering bye-laws, per the Banking Regulation (Amendment) Act 2020. Requests need valid, compelling reasons and general body approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12560&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/78",
   "title": "DCCB Branch Shifting & Closure: RBI Clarifies Rules",
   "url": "https://bankpulse.ai/c/rbi-2023-24-78/",
   "products": [],
   "summary": "RBI clarifies that DCCBs can shift branches within the same village, town, or locality/municipal ward without prior RBI approval, subject to board resolution, RCS approval, and customer notice. Un-remunerative branches can be closed without prior RBI nod, provided the bank is not under 35A direction",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12559&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/77",
   "title": "RBI Mandates Dual Role for Account Aggregator Participants",
   "url": "https://bankpulse.ai/c/rbi-2023-24-77/",
   "products": [],
   "summary": "RBI now requires regulated entities joining the Account Aggregator ecosystem as Financial Information Users to also onboard as Financial Information Providers if they hold eligible data, ensuring data reciprocity and ecosystem efficiency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12558&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/76",
   "title": "RBI replaces Pension Fund with CRA as FIP in AA framework",
   "url": "https://bankpulse.ai/c/rbi-2023-24-76/",
   "products": [],
   "summary": "RBI has replaced 'Pension Fund' with 'Central Recordkeeping Agency' as the Financial Information Provider under the Account Aggregator framework, as per notification dated October 26, 2023. This change aligns with NPS architecture and PFRDA's suggestion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12557&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/75",
   "title": "RBI Hikes Bulk Deposit Threshold for RRBs to ₹1 Crore",
   "url": "https://bankpulse.ai/c/rbi-2023-24-75/",
   "products": [],
   "summary": "RBI raised the bulk deposit limit for Regional Rural Banks from ₹15 lakh to ₹1 crore, aligning it closer to commercial bank norms. This reduces regulatory burden on RRBs for larger deposits and simplifies compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12556&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/74",
   "title": "RBI Raises Non-Callable Deposit Threshold to ₹1 Crore",
   "url": "https://bankpulse.ai/c/rbi-2023-24-74/",
   "products": [],
   "summary": "RBI has increased the minimum amount for non-callable term deposits from ₹15 lakh to ₹1 crore. All domestic term deposits up to ₹1 crore from individuals must now offer premature withdrawal. This also applies to NRE/NRO deposits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12555&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/72",
   "title": "Compensation for Delayed Credit Info Updates",
   "url": "https://bankpulse.ai/c/rbi-2023-24-72/",
   "products": [],
   "summary": "RBI mandates ₹100/day compensation for delayed credit information rectification beyond 30 days. Banks must update CICs within 21 days of being informed of the inaccuracy. The circular was issued on October 26, 2023; this protects customer credit scores and imposes financial penalties for non-complia",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12554&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:10 IST",
   "published_at_iso": "2026-06-19T07:10:00+05:30"
  },
  {
   "ref": "RBI/2023-24/96",
   "title": "Trade Credit Guarantee Reporting Moves to CIMS Platform",
   "url": "https://bankpulse.ai/c/rbi-2023-24-96/",
   "products": [],
   "summary": "RBI has shifted quarterly reporting of bank guarantees for trade credits from XBRL to the CIMS portal (return code R131). AD Category-I banks must submit only on CIMS from December 26, 2023; XBRL submission will be discontinued.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12578&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/95",
   "title": "RBI Moves Rupee Drawing Arrangement Reporting to CIMS Portal",
   "url": "https://bankpulse.ai/c/rbi-2023-24-95/",
   "products": [],
   "summary": "From December 26, 2023, AD Category-I banks must submit quarterly statement E on total remittances via the CIMS portal (return code R129) instead of the XBRL site. The change applies from the quarter ending December 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12577&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/94",
   "title": "RBI Circular on CIMS Project Implementation for AD Category-I Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-94/",
   "products": [],
   "summary": "RBI issued A.P. (DIR Series) Circular No.12 on December 22, 2023, to all Category-I Authorised Dealer Banks regarding discontinuation of submission of gold import statements in legacy XBRL and shifting to CIMS portal from December 26, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12576&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/93",
   "title": "LRS Reporting Moves from XBRL to CIMS Portal",
   "url": "https://bankpulse.ai/c/rbi-2023-24-93/",
   "products": [],
   "summary": "From Dec 26, 2023, AD Category-I banks must submit LRS monthly (R089) and daily (R010) returns on CIMS portal instead of XBRL. Monthly returns are due by the 5th of the following month; daily returns by the next working day. NIL reports are mandatory if no transactions occur.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12575&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/92",
   "title": "Revised Reporting of Reverse Repo with Non-Banks in Form A",
   "url": "https://bankpulse.ai/c/rbi-2023-24-92/",
   "products": [],
   "summary": "RBI has revised reporting for bank reverse repo with non-banks: tenors up to 14 days need not be reported in Form A; tenors over 14 days must be reported under Item VI(a) as loans/cash credits/overdrafts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12574&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/91",
   "title": "RBI Allows Card Tokenisation Directly via Issuing Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-91/",
   "products": [],
   "summary": "RBI now permits card issuers to tokenise cards directly, giving cardholders a single process to tokenise for multiple merchants. This expands tokenisation beyond card networks and issuers, enhancing convenience and security.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12573&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/90",
   "title": "RBI Cracks Down on AIF Investments to Prevent Evergreening",
   "url": "https://bankpulse.ai/c/rbi-2023-24-90/",
   "products": [],
   "summary": "RBI bans banks and NBFCs from investing in AIF schemes that have downstream investments in their debtor companies. Existing investments must be liquidated within 30 days or fully provisioned. Subordinated units in priority distribution models must be deducted from capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12572&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/89",
   "title": "Union Bank of India gets Lead Bank role for new Mauganj district",
   "url": "https://bankpulse.ai/c/rbi-2023-24-89/",
   "products": [],
   "summary": "RBI has assigned Union Bank of India as the Lead Bank for the newly formed Mauganj district in Madhya Pradesh, effective from the state's August 2023 gazette notification. No other district lead banks in the state are changed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12571&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-2024/88",
   "title": "RBI raises e-mandate limit for recurring payments to ₹1 lakh",
   "url": "https://bankpulse.ai/c/rbi-2023-2024-88/",
   "products": [],
   "summary": "RBI has increased the per-transaction limit for e-mandates on recurring payments from ₹15,000 to ₹1,00,000 for mutual fund subscriptions, insurance premiums, and credit card bill payments, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12570&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-2024/87",
   "title": "SGB 2023-24 Series III & IV: Subscription Dates & Procedures",
   "url": "https://bankpulse.ai/c/rbi-2023-2024-87/",
   "products": [],
   "summary": "RBI announces SGB 2023-24 Series III (Dec 18-22, 2023) and Series IV (Feb 12-16, 2024) with issuance dates Dec 28, 2023 and Feb 21, 2024. Banks must accept applications, verify PAN, issue Form B acknowledgment, and upload investor email IDs on Ekuber portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12569&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-2024/86",
   "title": "RBI allows extra current account for INR export settlements",
   "url": "https://bankpulse.ai/c/rbi-2023-2024-86/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to open an additional special current account for exporters to settle export transactions under the INR trade settlement framework, enhancing operational flexibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12568&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/2023-24/85",
   "title": "RBI Tightens Consumer Credit and NBFC Lending Norms",
   "url": "https://bankpulse.ai/c/rbi-2023-24-85/",
   "products": [],
   "summary": "RBI increased risk weights on consumer credit (excluding housing, education, vehicle, gold loans for banks; also excluding microfinance/SHG loans for NBFCs) by 25 percentage points to 125% for banks and NBFCs, and on credit card receivables to 150% (banks) and 125% (NBFCs). Bank loans to NBFCs (excl",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12567&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-19T07:02:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2023-24/109",
   "title": "RBI's 2024 Master Direction on CP and NCD (up to 1 year)",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2023-24-109/",
   "products": [],
   "summary": "RBI issued a consolidated Master Direction for Commercial Paper and Non-Convertible Debentures with original maturity up to one year, effective April 1, 2024. It supersedes earlier directions and incorporates market feedback to streamline rules for issuers, investors, and intermediaries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12592&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/106",
   "title": "UAPA: Two New Terrorist Designations Added – Immediate Compliance Required",
   "url": "https://bankpulse.ai/c/rbi-2023-24-106/",
   "products": [],
   "summary": "RBI directs all regulated entities to immediately screen accounts against two newly designated terrorists under UAPA, 1967, and report matches to FIU-IND and MHA as per existing KYC Master Direction procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12591&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/105",
   "title": "RBI Revamps Rules for Inoperative Accounts and Unclaimed Deposits",
   "url": "https://bankpulse.ai/c/rbi-2023-24-105/",
   "products": [],
   "summary": "RBI has issued comprehensive guidelines effective April 1, 2024, for classifying and managing inoperative accounts (no customer transactions for 2+ years) and unclaimed deposits (10+ years). Banks must strengthen customer tracing, fraud prevention, and grievance redressal to reduce unclaimed deposit",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12589&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/104",
   "title": "RBI revises bulk deposit limits for urban co-operative banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-104/",
   "products": [],
   "summary": "RBI has raised the bulk deposit threshold for scheduled Tier 3 and 4 Urban Co-operative Banks from ₹15 lakh to ₹1 crore. For all other UCBs, the existing ₹15 lakh limit remains unchanged. This eases deposit mobilisation for larger UCBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12588&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/103",
   "title": "NSFR: EXIM Bank, NaBFID Now National Development Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-103/",
   "products": [],
   "summary": "RBI has expanded the definition of National Development Banks (NDBs) for NSFR computation to include EXIM Bank and NaBFID. Loans to these entities with residual maturity ≥1 year and risk weight ≤35% now get a 65% RSF factor instead of 100%, easing liquidity requirements for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12587&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/CEPD/2023-24/108",
   "title": "RBI Integrates Internal Ombudsman Rules for All Regulated Entities",
   "url": "https://bankpulse.ai/c/rbi-cepd-2023-24-108/",
   "products": [],
   "summary": "RBI has consolidated and updated all Internal Ombudsman schemes into a single Master Direction for banks, NBFCs, credit information companies, and payment system participants. The move strengthens internal grievance redress by positioning the Internal Ombudsman as an independent, apex-level authorit",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12586&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/102",
   "title": "Penal Charges Rule: Deadline Extended to April 1, 2024",
   "url": "https://bankpulse.ai/c/rbi-2023-24-102/",
   "products": [],
   "summary": "RBI has extended the deadline for implementing new penal charges rules on loan accounts by three months. Fresh loans from April 1, 2024, and existing loans by their next review/renewal date after that, but no later than June 30, 2024, must comply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12585&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/101",
   "title": "PIDF Scheme Extended Till Dec 2025 with New Devices & Higher Subsidy",
   "url": "https://bankpulse.ai/c/rbi-2023-24-101/",
   "products": [],
   "summary": "RBI extends the Payments Infrastructure Development Fund (PIDF) scheme by two years to December 31, 2025, adds PM Vishwakarma merchants, soundbox and Aadhaar biometric devices, and raises subsidy to 90% for special focus areas from October 1, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12584&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/100",
   "title": "MSME Classification: Banks Must Follow Udyam Certificate",
   "url": "https://bankpulse.ai/c/rbi-2023-24-100/",
   "products": [],
   "summary": "RBI mandates banks to use the Udyam Registration Certificate (URC) for MSME classification under PSL, deleting earlier self-classification guidelines. This aligns with MSME Ministry notifications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12583&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/99",
   "title": "MHP Exemption for Factoring Receivables Transfer",
   "url": "https://bankpulse.ai/c/rbi-2023-24-99/",
   "products": [],
   "summary": "RBI exempts transfer of factoring receivables from Minimum Holding Period (MHP) if residual maturity ≤90 days and transferee does credit appraisal of drawee. Effective December 28, 2023, via amendment to MD-TLE clause 39.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12582&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/98",
   "title": "RBI's New Benchmark Administrator Rules: 2023 Directions",
   "url": "https://bankpulse.ai/c/rbi-2023-24-98/",
   "products": [],
   "summary": "RBI issued the Financial Benchmark Administrators Directions, 2023, replacing the 2019 version. It creates a risk-based framework for all benchmark administrators in Indian financial markets, covering eligibility, governance, and oversight. Effective immediately, it applies to FBAs administering ben",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12581&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/97",
   "title": "RBI finalises Government Securities Lending Directions, 2023",
   "url": "https://bankpulse.ai/c/rbi-2023-24-97/",
   "products": [],
   "summary": "RBI has issued final directions for lending and borrowing of central government securities (excluding T-bills) in OTC markets, effective December 27, 2023. The framework allows fee-based lending against collateral of other government securities, with settlement on a delivery-versus-delivery basis.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12580&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:52 IST",
   "published_at_iso": "2026-06-19T06:52:00+05:30"
  },
  {
   "ref": "RBI/2023-24/118",
   "title": "RBI eases gold import advance remittance for UAE CEPA TRQ holders via IIBX",
   "url": "https://bankpulse.ai/c/rbi-2023-24-118/",
   "products": [],
   "summary": "RBI now permits AD Category-I banks to allow valid TRQ holders under India-UAE CEPA to remit advance payment for 11 days for gold imports through IIBX, following DGFT notification and existing circular conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12604&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/117",
   "title": "RBI mandates tech-driven compliance monitoring by June 30",
   "url": "https://bankpulse.ai/c/rbi-2023-24-117/",
   "products": [],
   "summary": "RBI requires banks and other regulated entities to automate compliance tracking with integrated, enterprise-wide systems by June 30, 2024. Manual processes must be replaced with workflow-based tools that provide unified dashboards for senior management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12603&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/116",
   "title": "Lead Bank Assignment for New MP Districts",
   "url": "https://bankpulse.ai/c/rbi-2023-24-116/",
   "products": [],
   "summary": "RBI assigns Central Bank of India as Lead Bank for Pandhurna and Indian Bank for Maihar, two new districts in Madhya Pradesh, effective from January 19, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12602&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/115",
   "title": "Revised Second Schedule Inclusion Norms for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-115/",
   "products": [],
   "summary": "RBI has revised eligibility norms for UCBs to be included in the Second Schedule of the RBI Act, aligning with the 2022 Revised Regulatory Framework. Only licensed Tier 3 and Tier 4 UCBs that are Financially Sound and Well Managed for two consecutive years can now apply.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12601&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/114",
   "title": "RBI Updates Exposure Norms for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-114/",
   "products": [],
   "summary": "RBI issued a master circular consolidating exposure norms and statutory restrictions for UCBs, effective January 16, 2024. It updates limits on individual/group borrower exposure, unsecured advances, and regulatory restrictions, replacing the 2015 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12600&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/113",
   "title": "RBI Guidelines on Statutory Auditors for Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-113/",
   "products": [],
   "summary": "RBI has issued new guidelines for State and Central Co-operative Banks on appointing, reappointing, or removing statutory auditors, effective April 1, 2024. Banks must obtain prior RBI approval annually, select auditors from a NABARD-prepared list, and submit applications by July 31 each year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12599&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/112",
   "title": "NBFC Concentration Norms: Credit Risk Transfer Rules Updated",
   "url": "https://bankpulse.ai/c/rbi-2023-24-112/",
   "products": [],
   "summary": "RBI has updated credit/investment concentration norms for NBFCs, allowing NBFC-ML to offset exposures using specific credit risk transfer instruments like cash margins, government guarantees, and CGTMSE guarantees. NBFC-BL must now have a Board-approved policy for concentration limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12598&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/111",
   "title": "UAPA Sanctions Update: 14 UNSC List Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2023-24-111/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening systems with 14 amended entries on the UNSC ISIL & Al-Qaida Sanctions List, as per UNSC press release SC/15560 dated January 10, 2024, to ensure no accounts are held for listed terrorists.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12597&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/110",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated – 7 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2023-24-110/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen accounts against the updated UNSC 1267/1989 ISIL & Al-Qaida Sanctions List, which now includes amendments to 7 entries (individuals and entities). No accounts must exist for listed individuals/entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12596&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/109",
   "title": "WMD Act Sanctions List Updated: UNSC 1718 DPRK Amendments",
   "url": "https://bankpulse.ai/c/rbi-2023-24-109/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their compliance systems with the latest UNSC 1718 sanctions list amendments for DPRK, as notified by MEA. Daily verification of the list is required under KYC Master Direction.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12595&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/108",
   "title": "RBI revamps forex hedging rules for residents and non-residents",
   "url": "https://bankpulse.ai/c/rbi-2023-24-108/",
   "products": [],
   "summary": "RBI has consolidated and updated its foreign exchange risk management framework, effective April 5, 2024. The new directions replace existing rules, incorporate exchange-traded currency derivatives, and clarify definitions for anticipated and contracted exposures. Banks must align their hedging proc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12594&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/107",
   "title": "RBI Clarifies PEP Definition in KYC Master Direction",
   "url": "https://bankpulse.ai/c/rbi-2023-24-107/",
   "products": [],
   "summary": "RBI has relocated the PEP definition from sub-clause (xvii) of clause (a) of Section 3 to an explanation under Section 41 of the KYC Master Direction, to provide better clarity. The definition remains the same: PEPs are individuals entrusted with prominent public functions by a foreign country, incl",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12593&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:42 IST",
   "published_at_iso": "2026-06-19T06:42:00+05:30"
  },
  {
   "ref": "RBI/2023-24/129",
   "title": "RBI Withdraws 34 Outdated Audit and Reporting Circulars",
   "url": "https://bankpulse.ai/c/rbi-2023-24-129/",
   "products": [],
   "summary": "RBI has withdrawn 34 circulars on audit appointments, remuneration, half-yearly reviews, and DICGC claims certificates, effective immediately. These circulars, some dating back to 1966, are no longer relevant. Banks must ensure compliance with current guidelines and discard old references.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12617&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/DPSS/2023-24/111",
   "title": "RBI Overhauls Bharat Bill Payment System (BBPS) Directions 2024",
   "url": "https://bankpulse.ai/c/rbi-dpss-2023-24-111/",
   "products": [],
   "summary": "RBI issued revised BBPS Directions 2024 effective April 1, 2024, replacing the 2014 framework. Key changes streamline bill payments, expand participation, and enhance customer protection. The directions apply to NPCI Bharat BillPay Limited (NBBL) and all Bharat Bill Payment Operating Units (BBPOUs).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12616&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/128",
   "title": "RBI Revamps Trading Book Rules for Capital Adequacy",
   "url": "https://bankpulse.ai/c/rbi-2023-24-128/",
   "products": [],
   "summary": "RBI aligns capital adequacy guidelines with the new Investment Master Direction, effective April 1, 2024. Trading book definition now follows the HFT classification, and AFS-reserve is part of regulatory capital. Market risk capital requirements get intermediate scalers ahead of the Simplified Stand",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12615&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/127",
   "title": "ARC Director/MD/CEO Appointment: New RBI Approval Form",
   "url": "https://bankpulse.ai/c/rbi-2023-24-127/",
   "products": [],
   "summary": "RBI has mandated a standard application form and document checklist for ARCs seeking prior approval for appointing or reappointing directors, MDs, or CEOs. Applications must be submitted at least 90 days before the vacancy or proposed date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12614&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/126",
   "title": "RBI allows PPIs for public transit payments",
   "url": "https://bankpulse.ai/c/rbi-2023-24-126/",
   "products": [],
   "summary": "RBI now permits authorised banks and non-banks to issue Prepaid Payment Instruments (PPIs) for payments across public transport systems, aiming to boost digital payment adoption among commuters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12612&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/125",
   "title": "CCIL Added as Financial Info Provider Under AA Framework",
   "url": "https://bankpulse.ai/c/rbi-2023-24-125/",
   "products": [],
   "summary": "RBI has included Clearing Corporation of India Limited as a Financial Information Provider under the Account Aggregator framework, enabling aggregation of retail investors' Government Securities held in Retail Direct Gilt accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12611&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/124",
   "title": "Interest Equalisation Scheme Extended to June 2024 with New Pricing Cap",
   "url": "https://bankpulse.ai/c/rbi-2023-24-124/",
   "products": [],
   "summary": "RBI extends Interest Equalisation Scheme on export credit to June 30, 2024. Banks charging average interest above Repo+4% pre-subvention face restrictions; DGFT will identify and may debar non-compliant banks. Subvention capped at Rs 10 crore per IEC annually from April 1, 2023.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12610&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/123",
   "title": "RBI assigns SBI as Lead Bank for Assam's new Hojai district",
   "url": "https://bankpulse.ai/c/rbi-2023-24-123/",
   "products": [],
   "summary": "RBI has designated State Bank of India as the Lead Bank for the newly formed Hojai district in Assam, effective from the district's notification in September 2023. No other district lead banks in Assam are affected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12609&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/122",
   "title": "Rupee Co-operative Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2023-24-122/",
   "products": [],
   "summary": "RBI has advised that Rupee Co-operative Bank Limited has been excluded from the Second Schedule of the RBI Act, 1934, via a notification dated November 29, 2023, published in the Gazette of India on December 26, 2023. This means the bank loses its scheduled bank status, impacting its access to centr",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12608&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/121",
   "title": "RBI hikes NED remuneration cap to ₹30 lakh per annum",
   "url": "https://bankpulse.ai/c/rbi-2023-24-121/",
   "products": [],
   "summary": "RBI has raised the maximum fixed remuneration for Non-Executive Directors (NEDs) of private sector banks, SFBs, payment banks, and foreign bank subsidiaries from ₹20 lakh to ₹30 lakh per annum, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12607&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/120",
   "title": "RBI Expands Bank Roles on India International Bullion Exchange (IIBX)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-120/",
   "products": [],
   "summary": "RBI now allows Indian bank branches/subsidiaries/JVs in GIFT-IFSC to act as Trading Members or Trading and Clearing Members on IIBX, and gold/silver import-authorized banks to act as Special Category Clients. This expands bullion market participation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12606&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/119",
   "title": "UNSC Sanctions List Updated: 85 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2023-24-119/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening systems with 85 amended entries on the UNSC ISIL & Al-Qaida sanctions list, following the 2022 annual review. No new names added; only technical updates to existing entries.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12605&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:36 IST",
   "published_at_iso": "2026-06-19T06:36:00+05:30"
  },
  {
   "ref": "RBI/2023-24/141",
   "title": "Special Clearing for Govt Cheques on March 30-31, 2024",
   "url": "https://bankpulse.ai/c/rbi-2023-24-141/",
   "products": [],
   "summary": "RBI mandates special CTS clearing for government cheques on March 30 (Saturday) and March 31 (Sunday), 2024, with presentation from 5:00-5:30 PM and return by 7:00-7:30 PM. All banks must participate and keep settlement accounts funded.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12640&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/140",
   "title": "RBI Clarifies AIF Investment Rules for Banks and NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2023-24-140/",
   "products": [],
   "summary": "RBI has clarified that downstream investments exclude equity of debtor companies but include hybrids, provisioning is only on the portion invested in the debtor, and deduction from capital applies equally to Tier-1 and Tier-2. Fund-of-funds and mutual fund routes are excluded.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12639&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/139",
   "title": "RBI reassigns lead bank roles in 6 districts from April 1",
   "url": "https://bankpulse.ai/c/rbi-2023-24-139/",
   "products": [],
   "summary": "RBI has reassigned lead bank responsibility in six districts across Kerala, Madhya Pradesh, Maharashtra, and Tamil Nadu, effective April 1, 2024. State Bank of India gains lead in four districts, while Bank of Baroda takes over Mumbai City and Mumbai Suburban.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12638&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/138",
   "title": "FY24 Year-End: Govt Account Closing Rules for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2023-24-138/",
   "products": [],
   "summary": "RBI mandates all government transactions for FY 2023-24 be booked by March 31, 2024. Agency banks must keep branches open March 30-31, extend NEFT/RTGS till midnight, run special cheque clearing, and report transactions by noon April 1.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12637&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/137",
   "title": "Agency Banks Must Open on March 31, 2024 (Sunday)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-137/",
   "products": [],
   "summary": "RBI directs all agency banks to keep branches handling government receipts/payments open on March 31, 2024 (Sunday) to book all FY 2023-24 government transactions. Banks must publicize this.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12635&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/136",
   "title": "RBI cuts off extension for GST, ICEGATE, TIN 2.0 luggage file uploads",
   "url": "https://bankpulse.ai/c/rbi-2023-24-136/",
   "products": [],
   "summary": "RBI has stated that no extension will be granted beyond 1800 hours for agency banks to upload GST, ICEGATE, and TIN 2.0 luggage files. Banks must upload these files on all days except global holidays, with no leniency on the cut-off time.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12624&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/135",
   "title": "Central Govt Transactions: March 2024 Closing & Reporting",
   "url": "https://bankpulse.ai/c/rbi-2023-24-135/",
   "products": [],
   "summary": "RBI sets April 10, 2024 as the residual transaction closure date for March 2024. Agency banks must segregate March residual transactions from April ones, use special courier for challans, and report via separate scrolls to ensure all FY2023-24 government collections/payments are accounted correctly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12623&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/134",
   "title": "WMD Act Compliance: UNSC Sanctions List Updated (March 2024)",
   "url": "https://bankpulse.ai/c/rbi-2023-24-134/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their sanctions screening with the latest UNSC 1718 list amendments for DPRK. Check the MEA and UN websites daily for changes and ensure compliance with Section 12A of the WMD Act, 2005.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12622&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/133",
   "title": "UAPA Terrorist Listing Update: Mohammad Qasim Gujjar Added",
   "url": "https://bankpulse.ai/c/rbi-2023-24-133/",
   "products": [],
   "summary": "RBI mandates immediate compliance with MHA's March 7, 2024 notification adding Mohammad Qasim Gujjar to UAPA Schedule IV. All regulated entities must freeze accounts, report to FIU-IND and MHA, and apply existing KYC Master Direction procedures to this and future Schedule I/IV amendments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12621&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/132",
   "title": "RBI Tightens Credit Card Rules: End-Use Monitoring & Closure Penalties",
   "url": "https://bankpulse.ai/c/rbi-2023-24-132/",
   "products": [],
   "summary": "RBI has amended the 2022 Master Direction on credit/debit cards. Key changes: card issuers must now monitor end-use of business credit card funds, closure delay penalty is ₹500 per calendar day (not working day), and billing statements must show the unpaid amount threshold where interest-free period",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12620&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/131",
   "title": "RBI Mandates Multi-Network Choice for Credit Cards",
   "url": "https://bankpulse.ai/c/rbi-2023-24-131/",
   "products": [],
   "summary": "RBI now requires card issuers to let eligible customers choose from multiple card networks at issuance and renewal, banning exclusive tie-ups. Small issuers with ≤10 lakh active cards are exempt. Effective from September 6, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12619&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/2023-24/130",
   "title": "MTSS Reporting Moves to CIMS Portal from Q1 2024",
   "url": "https://bankpulse.ai/c/rbi-2023-24-130/",
   "products": [],
   "summary": "From March 2024 quarter, Indian Agents under MTSS must submit quarterly remittance statements on RBI's new CIMS portal (return code R130) instead of the old XBRL platform. NIL reports are mandatory for quarters with no remittances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12618&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:26 IST",
   "published_at_iso": "2026-06-19T06:26:00+05:30"
  },
  {
   "ref": "RBI/DCM/2024-25/115",
   "title": "Master Direction on Counterfeit Notes 2024: Detection & Reporting",
   "url": "https://bankpulse.ai/c/rbi-dcm-2024-25-115/",
   "products": [],
   "summary": "RBI consolidated all counterfeit note guidelines into a single Master Direction effective April 1, 2024. Banks must impound fake notes, never return them, issue receipts, and report to police and RBI. Non-compliance invites penalties for wilful circulation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12653&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/08",
   "title": "RBI Updates Basel III Capital Master Circular for SCBs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-08/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Basel III capital regulations for scheduled commercial banks (excluding SFBs, PBs, RRBs), updating and incorporating all relevant guidelines issued up to April 1, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12652&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/07",
   "title": "Master Circular on Agency Commission for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2024-25-07/",
   "products": [],
   "summary": "RBI updated its Master Circular on agency commission for banks handling government business, effective April 1, 2024. It consolidates instructions on eligible transactions, commission rates, and exclusions, including own tax liabilities and franking vendor activities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12651&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/06",
   "title": "Master Circular: Government Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-06/",
   "products": [],
   "summary": "RBI has updated its Master Circular on government pension disbursement by agency banks, consolidating instructions up to March 31, 2024. Key points: banks must act on government DR orders from websites without waiting for RBI circulars, refund excess payments immediately if bank error, and handle go",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12650&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/05",
   "title": "Master Circular on SHG-Bank Linkage Programme",
   "url": "https://bankpulse.ai/c/rbi-2024-25-05/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank Linkage guidelines into one master circular, effective April 1, 2024. Banks must meet entire credit needs of SHG members, simplify procedures, and include SHG lending in all credit plans. Key features: savings accounts for all SHGs, flexible loan ratios, and hassle-free",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12649&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/DCM/2024-25/114",
   "title": "Penal Provisions for Currency Chest Reporting",
   "url": "https://bankpulse.ai/c/rbi-dcm-2024-25-114/",
   "products": [],
   "summary": "RBI has consolidated penal provisions for currency chest reporting into a Master Direction. Banks must report all transactions on CyM-CC by 7 PM same day, with penal interest on delays or wrong reports. Minimum deposit/withdrawal is ₹1 lakh, in multiples of ₹50,000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12648&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/04",
   "title": "RBI Master Circular on Guarantees, Co-Acceptances & LCs for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-04/",
   "products": [],
   "summary": "RBI issued a revised Master Circular consolidating all instructions on guarantees, co-acceptances, and letters of credit for Urban Co-operative Banks (UCBs) up to March 31, 2024. No new guidelines are introduced; it's purely a compilation of existing rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12647&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/DCM/2024-25/113",
   "title": "RBI's Currency Distribution & Exchange Scheme (CDES) Incentives",
   "url": "https://bankpulse.ai/c/rbi-dcm-2024-25-113/",
   "products": [],
   "summary": "RBI has issued a Master Direction formalizing incentives under the Currency Distribution & Exchange Scheme (CDES) for bank branches and currency chests. Banks can claim capital/revenue cost reimbursement for chests in underbanked areas, plus per-packet/piece fees for soiled note exchange, mutilated ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12646&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/DCM/2024-25/112",
   "title": "RBI Penalty Scheme for Banks on Customer Service Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-dcm-2024-25-112/",
   "products": [],
   "summary": "RBI has issued a consolidated Master Direction on penalties for bank branches and currency chests for poor customer service, covering shortages, counterfeit notes, mutilated notes, and operational lapses. Penalties range from ₹50 per piece to full denomination value, with enhanced penalties for repe",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12645&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/03",
   "title": "Master Circular on Guarantees and Co-acceptances 2024",
   "url": "https://bankpulse.ai/c/rbi-2024-25-03/",
   "products": [],
   "summary": "RBI consolidated all existing instructions on guarantees and co-acceptances up to March 31, 2024, without adding new rules. Banks must continue following norms on unsecured advances, fraud prevention, and maturity limits (normally not exceeding 10 years, but longer maturities allowed for project loa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12644&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/02",
   "title": "Master Circular on Lead Bank Scheme 2024",
   "url": "https://bankpulse.ai/c/rbi-2024-25-02/",
   "products": [],
   "summary": "RBI consolidated all Lead Bank Scheme guidelines up to March 31, 2024 into a single Master Circular. It covers coordination forums, credit planning, banking penetration, and digital payments. Banks must align with updated procedures for SLBC/DCC meetings and data flow.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12643&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/01",
   "title": "Master Circular on Board of Directors for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-01/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Board of Directors for Urban Co-operative Banks, updating all prior instructions. Key points: mandatory professional directors, Board of Management for larger UCBs, and prohibition of honorary board titles. Banks must align byelaws and practices immediate",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12642&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-19T06:18:00+05:30"
  },
  {
   "ref": "RBI/2024-25/21",
   "title": "WMD Act Section 12A: UNSC DPRK Sanctions List Updated",
   "url": "https://bankpulse.ai/c/rbi-2024-25-21/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their compliance checks with the latest UNSC 1718 sanctions list amendments for DPRK, as notified by MEA. Daily verification of the designated list is required under the WMD Act.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12666&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/20",
   "title": "DAY-NRLM Master Circular 2024: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-20/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular for DAY-NRLM, replacing the 2023 version. It covers SHG account opening, KYC norms, Revolving Fund, and interest subvention. Banks must align lending and account operations with updated guidelines to support rural women SHGs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12665&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/19",
   "title": "Master Circular on Credit Facilities for SCs/STs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-19/",
   "products": [],
   "summary": "RBI consolidated all prior guidelines on credit facilities for SCs/STs into one master circular. Banks must prioritize lending to these communities through district credit plans, assist with applications, and ensure subsidies are released upfront.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12664&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/18",
   "title": "Harmonised Key Facts Statement for Loans",
   "url": "https://bankpulse.ai/c/rbi-2024-25-18/",
   "products": [],
   "summary": "RBI mandates a standardised Key Facts Statement (KFS) for all retail and MSME term loans, including APR and amortisation schedule, to enhance transparency. Lenders must provide KFS with a unique proposal number and a minimum validity of three working days for loans of seven days or more.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12663&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/17",
   "title": "RBI Allows Gold Hedging via OTC Derivatives in IFSC",
   "url": "https://bankpulse.ai/c/rbi-2024-25-17/",
   "products": [],
   "summary": "Resident entities can now hedge gold price risk using OTC derivatives in IFSC, in addition to exchange-traded derivatives. This expands hedging flexibility under the existing Master Direction on commodity risk hedging.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12662&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/16",
   "title": "Statutory Returns Move to CIMS Portal: Timeline & Action",
   "url": "https://bankpulse.ai/c/rbi-2024-25-16/",
   "products": [],
   "summary": "RBI is shifting submission of statutory returns Form A, Form VIII, and Form IX from the XBRL portal to the new CIMS portal. Banks must submit fortnightly Form A from June 14, 2024, monthly Form VIII from May 2024, and annual Form IX from December 31, 2024, exclusively on CIMS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12661&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/15",
   "title": "Sonali Bank Renamed to Sonali Bank PLC in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2024-25-15/",
   "products": [],
   "summary": "RBI has updated the Second Schedule to the RBI Act, 1934, changing the name of 'Sonali Bank Limited' to 'Sonali Bank PLC'. This is a routine administrative update reflecting the bank's corporate name change.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12660&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/13",
   "title": "RBI Master Circular on IRAC Norms for UCBs (2024)",
   "url": "https://bankpulse.ai/c/rbi-2024-25-13/",
   "products": [],
   "summary": "RBI issued a revised Master Circular for Primary Urban Co-operative Banks on income recognition, asset classification, and provisioning norms, consolidating all instructions up to March 31, 2024. No new guidelines are introduced; it's a compilation of existing rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12658&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/12",
   "title": "RBI Updates IRAC Norms Master Circular for FY25",
   "url": "https://bankpulse.ai/c/rbi-2024-25-12/",
   "products": [],
   "summary": "RBI issued a revised Master Circular on prudential norms for income recognition, asset classification, and provisioning (IRAC) as of April 2, 2024. It consolidates all instructions issued up to March 31, 2024, without introducing new guidelines. Banks must use this as the single reference for IRAC c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12657&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/11",
   "title": "RBI Master Circular on Housing Finance: April 2024 Update",
   "url": "https://bankpulse.ai/c/rbi-2024-25-11/",
   "products": [],
   "summary": "RBI issued a revised Master Circular on Housing Finance, consolidating all instructions issued up to March 31, 2024. No new guidelines are introduced; it replaces the April 2023 circular and applies to all Scheduled Commercial Banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12656&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/10",
   "title": "RBI Master Circular on Housing Finance for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-10/",
   "products": [],
   "summary": "RBI consolidated all housing finance instructions for UCBs up to March 31, 2024, into a single Master Circular. No new rules were added; it's a clean compilation of existing guidelines on loan limits, margins, interest rates, and priority sector treatment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12655&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/09",
   "title": "RBI Master Circular: Capital Adequacy Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-09/",
   "products": [],
   "summary": "RBI consolidated capital adequacy rules for Primary Urban Co-operative Banks (UCBs), setting minimum net worth of ₹2 crore (single-district) or ₹5 crore (others) with phased compliance up to March 2028, and CRAR of 9% (Tier 1) or 12% (Tiers 2-4) with phased compliance up to March 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12654&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:10 IST",
   "published_at_iso": "2026-06-19T06:10:00+05:30"
  },
  {
   "ref": "RBI/2024-25/32",
   "title": "RBI Updates Risk Management Master Direction for SPDs and Reporting",
   "url": "https://bankpulse.ai/c/rbi-2024-25-32/",
   "products": [],
   "summary": "RBI has amended the Master Direction on Risk Management and Inter-Bank Dealings to include Standalone Primary Dealers (SPDs) as Authorised Dealers Category-III under FEMA, and updated OTC derivative reporting rules to CCIL's Trade Repository. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12680&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/31",
   "title": "RBI Guidance Note on Operational Risk Management and Resilience",
   "url": "https://bankpulse.ai/c/rbi-2024-25-31/",
   "products": [],
   "summary": "RBI issued a new guidance note updating the 2005 framework, requiring all commercial banks to strengthen operational risk management and resilience against disruptions from cyber threats, third-party dependencies, and natural causes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12679&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/30",
   "title": "RBI Bans Unfair Interest Practices: Charge from Disbursement Date",
   "url": "https://bankpulse.ai/c/rbi-2024-25-30/",
   "products": [],
   "summary": "RBI has directed all lenders to stop charging interest from loan sanction or agreement date; interest must be charged only from actual disbursement. This follows supervisory findings of unfair practices like charging for full month on mid-month disbursements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12678&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/29",
   "title": "UAPA Sanctions List Updated: One Entry Amended",
   "url": "https://bankpulse.ai/c/rbi-2024-25-29/",
   "products": [],
   "summary": "RBI has notified an amendment to the UNSC 1267/1989 ISIL & Al-Qaida sanctions list, updating one individual entry. All regulated entities must immediately screen their records and freeze assets of the newly specified person, following Section 51A of UAPA and KYC Master Direction procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12677&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/28",
   "title": "SFB to Universal Bank: New Transition Rules",
   "url": "https://bankpulse.ai/c/rbi-2024-25-28/",
   "products": [],
   "summary": "RBI has clarified eligibility for Small Finance Banks to voluntarily convert into Universal Banks. Key criteria: scheduled status, 5-year track record, listed shares, ₹1,000 crore net worth, CRAR compliance, net profit last 2 years, and GNPA ≤3% with NNPA ≤1%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12676&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/27",
   "title": "FPI Debt Investment Limits for FY 2024-25 Unchanged",
   "url": "https://bankpulse.ai/c/rbi-2024-25-27/",
   "products": [],
   "summary": "RBI has kept FPI investment limits in government securities, state government securities, and corporate bonds unchanged at 6%, 2%, and 15% of outstanding stock for FY 2024-25. Incremental g-sec limit allocation remains 50:50 between General and Long-term sub-categories.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12675&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/26",
   "title": "AB Bank Limited renamed AB Bank PLC in RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2024-25-26/",
   "products": [],
   "summary": "RBI has officially changed the name of 'AB Bank Limited' to 'AB Bank PLC' in the Second Schedule of the RBI Act, 1934, effective from a January 2024 notification published in the Gazette of India in March 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12672&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/25",
   "title": "RBI Cracks Down on Unauthorised Forex Trading via Bank Accounts",
   "url": "https://bankpulse.ai/c/rbi-2024-25-25/",
   "products": [],
   "summary": "RBI warns AD Cat-I banks about unauthorised entities using domestic accounts for forex trading. Banks must report suspicious accounts to Enforcement Directorate and educate customers to deal only with authorised persons and platforms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12671&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/24",
   "title": "RBI Updates Master Circular on Bank Finance to NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-24/",
   "products": [],
   "summary": "RBI issued a revised Master Circular consolidating all instructions on bank finance to NBFCs as of April 23, 2024. No new guidelines are introduced; it replaces the April 2023 circular for all Scheduled Commercial Banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12670&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2024-25/116",
   "title": "RBI's New Master Direction for Asset Reconstruction Companies (2024)",
   "url": "https://bankpulse.ai/c/rbi-dor-2024-25-116/",
   "products": [],
   "summary": "RBI issued a consolidated Master Direction for ARCs, effective April 24, 2024, covering registration, prudential norms, governance, and disclosures. This replaces all previous circulars and aims to strengthen ARC operations and investor protection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12669&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/23",
   "title": "RBI Expands Derivative Access for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-23/",
   "products": [],
   "summary": "RBI now allows Small Finance Banks to deal in permissible rupee interest rate derivative products for hedging, beyond just Interest Rate Futures. This expands their tools to manage interest rate risk more effectively.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12668&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/22",
   "title": "SBI gets lead bank role for Assam's new Tamulpur district",
   "url": "https://bankpulse.ai/c/rbi-2024-25-22/",
   "products": [],
   "summary": "RBI assigns State Bank of India as the Lead Bank for Assam's newly formed Tamulpur district, effective from the government's September 2023 notification. No other district lead banks in Assam are affected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12667&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 06:02 IST",
   "published_at_iso": "2026-06-19T06:02:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/43",
   "title": "INR Trade Settlement: Current Account Expanded for Both Exports and Imports",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-43/",
   "products": [],
   "summary": "RBI now allows AD Category-I banks to open an additional special current account for constituents to settle both export and import transactions in INR, extending the earlier facility that was limited to exports only.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12693&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/42",
   "title": "RBI Notifies Exim Bank's USD 23.37 mn Line of Credit to Guyana for Aircraft",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-42/",
   "products": [],
   "summary": "RBI has informed AD Category-I banks about Exim Bank's USD 23.37 million Line of Credit to Guyana for two Hindustan 228-201 aircraft. At least 75% of contract value must be sourced from India. Banks must facilitate shipments and remittances as per FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12692&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/41",
   "title": "RBI expands overseas fund investment scope for Indian entities",
   "url": "https://bankpulse.ai/c/rbi-2024-25-41/",
   "products": [],
   "summary": "RBI now allows Indian entities to invest in any instrument issued by overseas regulated funds, not just 'units'. Unlisted Indian entities can also invest in IFSC-based funds. This clarifies and broadens OPI rules under FEM (OI) Directions, 2022.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12691&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/40",
   "title": "RBI revises bulk deposit threshold to ₹3 crore for SCBs, SFBs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-40/",
   "products": [],
   "summary": "RBI has raised the bulk deposit threshold from ₹2 crore to ₹3 crore for Scheduled Commercial Banks (excluding RRBs) and Small Finance Banks. For Local Area Banks, the threshold is set at ₹1 crore, aligning with RRBs. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12690&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/39",
   "title": "RBI Tightens Money Changer Rules: 75% Sale Mandate & Audit Deadline",
   "url": "https://bankpulse.ai/c/rbi-2024-25-39/",
   "products": [],
   "summary": "From July 1, 2024, FFMCs and non-bank AD Category-II must sell at least 75% of purchased foreign currency notes to the public quarterly. Also, annual audited balance sheets with NOF certificates are due by October 31. This curbs idle forex holdings and boosts compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12689&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/38",
   "title": "Fincare Small Finance Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2024-25-38/",
   "products": [],
   "summary": "RBI has excluded Fincare Small Finance Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2024, as it ceased banking operations. This means the bank is no longer a scheduled bank or a banking company under Indian law.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12688&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/37",
   "title": "RBI Withdraws 8 Outdated Circulars on Compliance and Audit",
   "url": "https://bankpulse.ai/c/rbi-2024-25-37/",
   "products": [],
   "summary": "RBI has withdrawn eight circulars on compliance, internal audit, and risk-based audit, effective May 21, 2024. Banks can now drop these obsolete instructions from their compliance checklists, simplifying regulatory adherence.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12687&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/36",
   "title": "RBI Regularises Partly Paid Units Issued by AIFs to Foreign Investors",
   "url": "https://bankpulse.ai/c/rbi-2024-25-36/",
   "products": [],
   "summary": "RBI has regularised past issuances of partly paid units by Alternative Investment Funds (AIFs) to foreign investors, allowing compounding under FEMA. AD banks must ensure reporting via FIRMS before approaching RBI for compounding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12686&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/35",
   "title": "Lead Bank for Assam's New Biswanath District Assigned to Indian Bank",
   "url": "https://bankpulse.ai/c/rbi-2024-25-35/",
   "products": [],
   "summary": "RBI has assigned Indian Bank as the Lead Bank for Assam's newly formed Biswanath district, effective from the state's September 2023 gazette notification. No other district lead banks in Assam are affected.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12685&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/34",
   "title": "RBI Updates Margin Rules for Derivative Contracts",
   "url": "https://bankpulse.ai/c/rbi-2024-25-34/",
   "products": [],
   "summary": "RBI has issued new Directions (2024) on margin for derivative contracts, replacing the 2021 circular. AD Cat-I banks and AD Cat-III SPDs can now post/collect margin for permitted cross-border derivatives and for overseas branches/IFSC units, with margin in India in specified forms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12683&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2024-25/117",
   "title": "RBI Finalises Margining Rules for Non-Centrally Cleared OTC Derivatives",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2024-25-117/",
   "products": [],
   "summary": "RBI has issued final Master Direction on margining for non-centrally cleared OTC derivatives, effective November 8, 2024. It replaces the 2022 Variation Margin Direction and adds initial margin requirements, covering FX, interest rate, and credit derivatives.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12682&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/33",
   "title": "RBI Updates IPC Rules for T+1 Settlement Cycle",
   "url": "https://bankpulse.ai/c/rbi-2024-25-33/",
   "products": [],
   "summary": "RBI has revised Irrevocable Payment Commitment (IPC) guidelines for custodian banks to align with T+1 equity settlement. Key changes: IPC issuance requires client agreement granting bank rights over securities, unless pre-funded. Intraday CME risk capped at 30% of settlement amount, with capital mai",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12681&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:54 IST",
   "published_at_iso": "2026-06-19T05:54:00+05:30"
  },
  {
   "ref": "RBI/2024-25/52",
   "title": "RBI Tightens Domestic Money Transfer Rules for Cash Transactions",
   "url": "https://bankpulse.ai/c/rbi-2024-25-52/",
   "products": [],
   "summary": "RBI has revised the Domestic Money Transfer framework effective Nov 1, 2024. Key changes: cash pay-outs now require beneficiary name and address records; cash pay-ins need AFA, verified mobile, and OVD for remitters; and Card-to-Card transfers are excluded from DMT rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12707&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/DOS/2024-25/120",
   "title": "RBI's New Fraud Risk Management Directions for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-dos-2024-25-120/",
   "products": [],
   "summary": "RBI issued Master Directions on Fraud Risk Management for NBFCs (including HFCs) in Upper, Middle, and Base Layers with asset size ₹500 crore+. Effective July 15, 2024, these supersede 2016 directions, mandating stronger governance, early warning signals, and timely fraud reporting to LEAs and RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12704&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/DOS/2024-25/119",
   "title": "RBI's New Fraud Risk Management Directions for Cooperative Banks",
   "url": "https://bankpulse.ai/c/rbi-dos-2024-25-119/",
   "products": [],
   "summary": "RBI issued comprehensive fraud risk management directions for Urban, State, and Central Cooperative Banks, replacing the 2015 master circular. The new framework mandates a board-approved policy, early warning signals, staff accountability, and stricter reporting to law enforcement and RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12703&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/DOS/2024-25/118",
   "title": "RBI's 2024 Master Directions on Fraud Risk Management",
   "url": "https://bankpulse.ai/c/rbi-dos-2024-25-118/",
   "products": [],
   "summary": "RBI issued new Master Directions on Fraud Risk Management for commercial banks and AIFIs, replacing the 2016 guidelines. The directions mandate stronger governance, early warning signals, red-flagged account processes, and stricter reporting to law enforcement and RBI.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12702&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/51",
   "title": "RBI withdraws 17 outdated supervisory circulars",
   "url": "https://bankpulse.ai/c/rbi-2024-25-51/",
   "products": [],
   "summary": "RBI has withdrawn 17 circulars on supervisory ratings, risk profiles, and inspections, effective July 12, 2024. Banks must stop referencing these obsolete instructions and align with current supervisory frameworks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12701&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/50",
   "title": "Brickwork Ratings Reinstated for Capital Adequacy with Caps",
   "url": "https://bankpulse.ai/c/rbi-2024-25-50/",
   "products": [],
   "summary": "RBI has partially lifted the ban on Brickwork Ratings India for risk-weighting bank claims. Banks can now use its ratings for capital adequacy, but fresh mandates are capped at Rs.250 crore per loan. Existing ratings can continue surveillance regardless of amount.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12700&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/49",
   "title": "RBI expands LRS remittance scope to IFSCs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-49/",
   "products": [],
   "summary": "RBI now allows resident individuals to remit funds under LRS to IFSCs for all permissible purposes, including financial services/products within IFSCs and transactions in other foreign jurisdictions via FCAs held in IFSCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12699&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/48",
   "title": "Exim Bank USD 2.50 mn Line of Credit to Guyana for Solar Plant",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-48/",
   "products": [],
   "summary": "RBI notifies AD Category-I banks about Exim Bank's USD 2.50 mn GOI-supported Line of Credit to Guyana for a solar PV plant at Cheddi Jagan International Airport. At least 75% contract value must be sourced from India. Disbursements must complete within 48 months of project completion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12698&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/46",
   "title": "RBI removes limits on online Form A2 remittances",
   "url": "https://bankpulse.ai/c/rbi-2024-25-46/",
   "products": [],
   "summary": "RBI has removed all amount caps on remittances via online Form A2 for AD Category-I and II entities, effective immediately. This simplifies cross-border payments and aligns with ease-of-doing-business goals, but banks must still comply with KYC and FEMA rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12697&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/47",
   "title": "Form A2 mandatory for all cross-border remittances",
   "url": "https://bankpulse.ai/c/rbi-2024-25-47/",
   "products": [],
   "summary": "RBI has withdrawn the USD 25,000 threshold exemption for Form A2. Now, authorised dealers must obtain Form A2 (physical or digital) for every cross-border remittance, regardless of amount. This streamlines compliance and ends the earlier simplified letter-based process.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12696&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/45",
   "title": "Nagar Urban Co-operative Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2024-25-45/",
   "products": [],
   "summary": "RBI has excluded Nagar Urban Co-operative Bank from the Second Schedule of the RBI Act, 1934, effective April 1, 2024. This means the bank loses its Scheduled Bank status, impacting its access to central bank facilities and regulatory privileges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12695&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/44",
   "title": "PSL District Weightage Updated for FY2024-27",
   "url": "https://bankpulse.ai/c/rbi-2024-25-44/",
   "products": [],
   "summary": "RBI has revised district-level PSL weightage from FY2024-25: 125% weight for districts with per capita PSL below ₹9,000, and 90% for those above ₹42,000. The new district lists are valid until FY2026-27. UCBs must now report PSL data under the new supervisory returns framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12694&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:46 IST",
   "published_at_iso": "2026-06-19T05:46:00+05:30"
  },
  {
   "ref": "RBI/2024-25/62",
   "title": "RBI Tweaks Risk Weights for HFC Home Loans and CRE",
   "url": "https://bankpulse.ai/c/rbi-2024-25-62/",
   "products": [],
   "summary": "RBI has capped the risk-weighted assets computed for undisbursed housing/other loan amounts for HFCs at the RWA for an equivalent disbursed loan, and reduced the risk weight on standard CRE-Residential Building exposures to 75%. Effective from August 12, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12720&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/61",
   "title": "RBI Harmonises HFC and NBFC Deposit Rules",
   "url": "https://bankpulse.ai/c/rbi-2024-25-61/",
   "products": [],
   "summary": "RBI aligns HFC deposit regulations with NBFC norms from Jan 1, 2025. Key change: deposit-taking HFCs must raise liquid asset holdings to 15% of public deposits in phases, up from current 13%. Safe custody rules also harmonised.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12719&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/60",
   "title": "Credit data reporting moves to fortnightly from Jan 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-60/",
   "products": [],
   "summary": "From January 1, 2025, credit institutions must report credit information to Credit Information Companies every fortnight (as on 15th and last day of the month) within 7 calendar days. CICs must ingest data within 5 calendar days of receipt. Non-compliance invites penal action under CICRA, 2005.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12718&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/59",
   "title": "Modified Interest Subvention Scheme for KCC Loans 2024-25",
   "url": "https://bankpulse.ai/c/rbi-2024-25-59/",
   "products": [],
   "summary": "RBI extends the Modified Interest Subvention Scheme for KCC loans to 2024-25. Farmers get loans at 7% with 1.5% subvention to banks; timely payers get 4% effective rate. Scheme covers crop and allied activities up to ₹3 lakh.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12717&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/58",
   "title": "RBI mandates uniform BDDR treatment for co-operative banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-58/",
   "products": [],
   "summary": "From FY 2024-25, all IRACP provisions must be charged as P&L expenses, not via BDDR. A one-time transition allows BDDR balances as on March 31, 2024, to be reclassified to NPA provisions or reserves, with BDDR then eligible as Tier 1 capital but not netted from NPAs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12716&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/DPSS/2024-25/123",
   "title": "RBI Master Directions on Cyber Resilience for Non-Bank PSOs",
   "url": "https://bankpulse.ai/c/rbi-dpss-2024-25-123/",
   "products": [],
   "summary": "RBI issued final Master Directions on cyber resilience and digital payment security for non-bank PSOs, effective from July 30, 2024, with phased compliance timelines: large entities by April 1, 2025, medium by April 1, 2026, and small by April 1, 2028. They mandate robust governance, baseline securi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12715&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/57",
   "title": "RBI allows UCBs to shift Dividend Equalisation Fund to Tier-1 capital",
   "url": "https://bankpulse.ai/c/rbi-2024-25-57/",
   "products": [],
   "summary": "RBI permits Primary (Urban) Co-operative Banks to transfer Dividend Equalisation Fund balances to general/free reserves, which qualify as Tier-1 capital. This one-time measure aligns DEF treatment with dividend rules and strengthens core capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12714&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/56",
   "title": "FAR Exclusion for New 14-Year and 30-Year G-Secs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-56/",
   "products": [],
   "summary": "RBI has excluded new 14-year and 30-year government securities from the Fully Accessible Route for non-residents. Existing stocks remain tradable in secondary market. New issuances will fall under standard FPI investment limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12712&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/55",
   "title": "RBI Replaces SAF with PCA Framework for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-55/",
   "products": [],
   "summary": "RBI has replaced the Supervisory Action Framework (SAF) with a Prompt Corrective Action (PCA) framework for Tier 2-4 Urban Co-operative Banks, effective April 1, 2025. It triggers mandatory corrective actions based on CRAR, net NPA ratio, and net profit breaches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12711&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/FED/2024-25/121",
   "title": "Master Direction on Overseas Investment Updated",
   "url": "https://bankpulse.ai/c/rbi-fed-2024-25-121/",
   "products": [],
   "summary": "RBI consolidated and updated the Master Direction on Overseas Investment (FED MD No.15/2024-25) as of July 24, 2024, with updates as on April 1, 2026 and November 28, 2025. It governs overseas investments by Indian residents under FEMA, 1999, and provides operational instructions for AD Category-I b",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12710&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/53",
   "title": "UCBs Get Two-Year Extension for Small Value Loan Target",
   "url": "https://bankpulse.ai/c/rbi-2024-25-53/",
   "products": [],
   "summary": "RBI has extended the deadline for UCBs to meet the 50% small value loan target to March 31, 2026, with an interim 40% target by March 31, 2025, responding to industry representations about compliance difficulties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12709&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/54",
   "title": "UCB Loan Cap on Shares/Debentures Now Tied to Tier I Capital",
   "url": "https://bankpulse.ai/c/rbi-2024-25-54/",
   "products": [],
   "summary": "RBI has revised the 20% owned funds ceiling for UCB loans against shares/debentures to be based on Tier I capital as of March 31 of the prior year, effective January 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12708&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:38 IST",
   "published_at_iso": "2026-06-19T05:38:00+05:30"
  },
  {
   "ref": "RBI/2024-25/76",
   "title": "Interest Equalization Scheme Extended for MSME Exporters Till Sept 30",
   "url": "https://bankpulse.ai/c/rbi-2024-25-76/",
   "products": [],
   "summary": "RBI extends the Interest Equalization Scheme for pre/post-shipment rupee export credit by one month to Sept 30, 2024, but only for MSME manufacturer exporters. Annual net subvention cap is ₹10 crore per IEC for a given financial year; for MSMEs, a ₹5 crore cap applies till Sept 30, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12734&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/73",
   "title": "RBI withdraws 5 outdated circulars on credit and accounts",
   "url": "https://bankpulse.ai/c/rbi-2024-25-73/",
   "products": [],
   "summary": "RBI has withdrawn five obsolete circulars on minority community credit, student no-frills accounts, and micro credit, effective immediately. Banks must follow updated master circulars and directions for these areas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12731&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/72",
   "title": "SGrB Trading Scheme in IFSC Launched",
   "url": "https://bankpulse.ai/c/rbi-2024-25-72/",
   "products": [],
   "summary": "RBI has introduced a scheme for trading and settlement of Sovereign Green Bonds (SGrBs) in the International Financial Services Centre (IFSC), effective immediately. Eligible foreign investors can now invest in SGrBs through IFSC entities, with operational guidelines to be issued by IFSCA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12730&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/71",
   "title": "Interest Equalisation Scheme Extended to Aug 31, 2024 with Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2024-25-71/",
   "products": [],
   "summary": "RBI extends Interest Equalisation Scheme for rupee export credit to August 31, 2024, effective July 1, 2024. Only MSME manufacturer exporters are eligible; non-MSME claims stop after June 30, 2024. Subvention capped at ₹1.66 crore per IEC for this period.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12729&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/70",
   "title": "UN Sanctions List Update: One Entry Removed from ISIL/Al-Qaida List",
   "url": "https://bankpulse.ai/c/rbi-2024-25-70/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their screening systems after the UNSC removed Yassine Chekkouri from the ISIL/Al-Qaida sanctions list. Entities must ensure no accounts or services are maintained for listed individuals and follow the UAPA procedure for de-listing requests.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12728&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/66",
   "title": "Credit Suisse AG ceases to be a banking company in India",
   "url": "https://bankpulse.ai/c/rbi-2024-25-66/",
   "products": [],
   "summary": "RBI notifies that Credit Suisse AG is no longer a banking company under the Banking Regulation Act, 1949, effective June 4, 2024, as published in the Gazette of India. Banks must update their records accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12727&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/65",
   "title": "UBS AG Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2024-25-65/",
   "products": [],
   "summary": "RBI has included UBS AG in the Second Schedule of the RBI Act, 1934, effective June 4, 2024. This grants UBS AG the status of a scheduled bank, impacting regulatory treatment for Indian banks dealing with it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12726&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/69",
   "title": "Krung Thai Bank ceases to be a banking company in India",
   "url": "https://bankpulse.ai/c/rbi-2024-25-69/",
   "products": [],
   "summary": "RBI notifies that Krung Thai Bank Public Company Limited has ceased to be a banking company under the Banking Regulation Act, 1949, effective from a notification dated July 3, 2024, published in the Gazette of India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12725&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/67",
   "title": "Credit Suisse AG removed from RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2024-25-67/",
   "products": [],
   "summary": "RBI has excluded Credit Suisse AG from the Second Schedule of the RBI Act, 1934, effective June 4, 2024. This means it is no longer a scheduled bank in India, impacting its regulatory status and operations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12724&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/68",
   "title": "Krung Thai Bank removed from RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2024-25-68/",
   "products": [],
   "summary": "RBI has excluded Krung Thai Bank Public Company Limited from the Second Schedule of the RBI Act, 1934, effective July 3, 2024. This means the bank is no longer a scheduled bank under Indian law.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12723&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/64",
   "title": "RBI brings FASTag and NCMC auto-replenishment under e-mandate rules",
   "url": "https://bankpulse.ai/c/rbi-2024-25-64/",
   "products": [],
   "summary": "RBI now allows auto-replenishment of FASTag and NCMC balances under the e-mandate framework, exempting these top-ups from the 24-hour pre-debit notification requirement since they lack fixed periodicity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12722&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-25/63",
   "title": "RBI Tightens P2P Lending Rules: No Credit Risk, No Guarantees",
   "url": "https://bankpulse.ai/c/rbi-2024-25-63/",
   "products": [],
   "summary": "RBI has clarified that NBFC-P2P platforms must not assume any credit risk, directly or indirectly. Lenders bear all losses. Platforms cannot offer assured returns, liquidity options, or act as deposit-takers. New rules take effect immediately, with one provision effective from November 14, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12721&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:32 IST",
   "published_at_iso": "2026-06-19T05:32:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/85",
   "title": "RBI Updates Directions for Central Counterparties (CCPs)",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-85/",
   "products": [],
   "summary": "RBI has issued updated Directions for Central Counterparties (CCPs), replacing the June 2019 framework. The new directions cover governance, capital requirements, and recognition of foreign CCPs. All domestic and foreign CCPs operating in India must comply with the updated rules as per the direction",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12744&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/84",
   "title": "UAPA Schedule I Updated: Hizb-Ut-Tahrir Listed as Terrorist Organisation",
   "url": "https://bankpulse.ai/c/rbi-2024-25-84/",
   "products": [],
   "summary": "RBI directs all regulated entities to immediately update their screening databases to include 'Hizb-Ut-Tahrir (HuT)' and its front organisations, as notified by MHA on October 10, 2024, under the UAPA. Existing KYC and AML procedures under the Master Direction on KYC must be strictly followed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12743&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2024-25/124",
   "title": "RBI Broadens NDS-OM Access for G-Sec Market Participants",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2024-25-124/",
   "products": [],
   "summary": "RBI has revised NDS-OM access criteria, expanding direct access to more regulated entities and streamlining the application process. The new directions replace older circulars from 2008 and 2011, effective October 18, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12742&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/83",
   "title": "RBI mandates digital payment accessibility for disabled persons",
   "url": "https://bankpulse.ai/c/rbi-2024-25-83/",
   "products": [],
   "summary": "RBI directs all payment system participants to review and modify their systems—like POS machines—for accessibility by Persons with Disabilities, adhering to Ministry of Finance standards, and submit an action plan within one month.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12741&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/82",
   "title": "ARCs must report to all credit bureaus from Jan 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-82/",
   "products": [],
   "summary": "RBI mandates all Asset Reconstruction Companies to become members of every Credit Information Company and submit borrower data fortnightly, effective January 1, 2025, ensuring credit history continuity after loan transfers.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12740&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/81",
   "title": "Credit Reporting After Licence Cancellation: RBI's New Mechanism",
   "url": "https://bankpulse.ai/c/rbi-2024-25-81/",
   "products": [],
   "summary": "RBI mandates that banks and NBFCs whose licence is cancelled must continue reporting borrower credit data to CICs until loans are repaid or the entity is wound up, ensuring borrower repayment history is updated.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12739&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/80",
   "title": "Interest Equalisation Scheme Extended Till Dec 31, 2024 with MSME Cap",
   "url": "https://bankpulse.ai/c/rbi-2024-25-80/",
   "products": [],
   "summary": "RBI extends Interest Equalisation Scheme on rupee export credit for MSMEs by three months to Dec 31, 2024. New cap: aggregate fiscal benefit per MSME limited to ₹50 lakh for FY2024-25 till Dec 31. MSMEs already availing ₹50 lakh or more by Sep 30, 2024 are ineligible for further benefits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12738&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/79",
   "title": "RBI Cracks Down on Non-Resident Guarantees for Residents",
   "url": "https://bankpulse.ai/c/rbi-2024-25-79/",
   "products": [],
   "summary": "RBI warns AD Category-I banks about unauthorized non-resident guarantees (including SBLCs/performance guarantees) favoring Indian residents. Banks must ensure all such guarantee contracts comply with FEMA regulations or face action under FEMA Sections 10(4) and 11(1).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12737&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/FED/2024-25/78",
   "title": "FEMA Compounding Rules 2024: New Guidelines for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-fed-2024-25-78/",
   "products": [],
   "summary": "RBI has issued updated guidelines for compounding FEMA contraventions under the new Foreign Exchange (Compounding Proceedings) Rules, 2024, superseding the 2000 rules. AD Category-I banks must ensure robust systems to prevent contraventions and comply with reporting requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12736&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/77",
   "title": "RBI flags gold loan irregularities: review and tighten controls",
   "url": "https://bankpulse.ai/c/rbi-2024-25-77/",
   "products": [],
   "summary": "RBI's review of gold loans found serious lapses: third-party valuation without customers, weak LTV monitoring, incorrect risk weights, and poor end-use checks. Banks must review policies, fix gaps, and report action within three months or face supervisory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12735&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/75",
   "title": "WMD Act Sanctions List Updated: DPRK Designations",
   "url": "https://bankpulse.ai/c/rbi-2024-25-75/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their compliance systems with the latest UNSC 1718 sanctions list amendments for DPRK, effective immediately. This ensures adherence to Section 12A of the WMD Act, 2005.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12733&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-25/74",
   "title": "RBI scraps monthly LRS return for AD banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-74/",
   "products": [],
   "summary": "RBI has discontinued the monthly LRS return (R089) for AD Category-I banks effective September 2024. Banks must now only upload transaction-wise LRS data via the daily return (R010) on CIMS by next working day. This reduces reporting burden.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12732&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:26 IST",
   "published_at_iso": "2026-06-19T05:26:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/97",
   "title": "UPI access for full-KYC PPIs via third-party apps",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-97/",
   "products": [],
   "summary": "RBI now allows full-KYC PPI holders to use third-party UPI apps for payments, breaking the earlier restriction to only the PPI issuer's app. This expands interoperability and convenience for users.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12756&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/96",
   "title": "RBI raises collateral-free agri loan limit to ₹2 lakh",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-96/",
   "products": [],
   "summary": "RBI has increased the limit for collateral-free agricultural loans from ₹1.6 lakh to ₹2 lakh per borrower, effective January 1, 2025. Banks must waive collateral and margin requirements for loans up to this new limit.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12755&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/95",
   "title": "CRR Cut by 50 bps in Two Tranches to 4.0%",
   "url": "https://bankpulse.ai/c/rbi-2024-25-95/",
   "products": [],
   "summary": "RBI reduces CRR by 50 bps to 4.0% of NDTL in two equal tranches of 25 bps each, effective from fortnights beginning December 14 and December 28, 2024. This frees up liquidity for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12754&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/94",
   "title": "RBI hikes FCNR(B) deposit rate ceilings by 150 bps",
   "url": "https://bankpulse.ai/c/rbi-2024-25-94/",
   "products": [],
   "summary": "RBI raised FCNR(B) deposit rate ceilings from December 6, 2024: 1-3 year deposits now capped at overnight ARR plus 400 bps (up from 250 bps), and 3-5 year deposits at ARR plus 500 bps (up from 350 bps). This relaxation is valid until March 31, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12753&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/93",
   "title": "RBI enhances UPI Lite offline limits to ₹1,000 per transaction",
   "url": "https://bankpulse.ai/c/rbi-2024-25-93/",
   "products": [],
   "summary": "RBI has raised UPI Lite offline transaction limit from ₹500 to ₹1,000 and the total instrument limit from ₹2,000 to ₹5,000, effective immediately. This enhances small-value digital payments without internet connectivity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12752&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/92",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated – 3 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2024-25-92/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen accounts against the updated UNSC 1267/1989 ISIL & Al-Qaida Sanctions List, which now includes amendments to three entries (three individuals) as notified by MEA on December 2, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12751&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/91",
   "title": "RBI cracks down on inoperative accounts: smoother activation, quarterly reporting",
   "url": "https://bankpulse.ai/c/rbi-2024-25-91/",
   "products": [],
   "summary": "RBI has flagged high numbers of inoperative/frozen accounts in banks. It orders urgent steps to simplify activation, enable KYC updates via digital channels, and protect DBT beneficiaries. Banks must report progress quarterly via DAKSH portal starting Q4 FY2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12750&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/90",
   "title": "FPI to FDI Reclassification: New RBI Framework",
   "url": "https://bankpulse.ai/c/rbi-2024-25-90/",
   "products": [],
   "summary": "RBI has issued an operational framework for FPIs to reclassify holdings exceeding the 10% equity cap as FDI, with conditions including government approvals, investee company concurrence, and custodian freezing of purchases upon receipt of intent and approvals, effective from November 11, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12749&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/89",
   "title": "RBI Expands FX Reporting to Trade Repository",
   "url": "https://bankpulse.ai/c/rbi-2024-25-89/",
   "products": [],
   "summary": "RBI mandates reporting of FX spot, cash, and tom deals to CCIL's Trade Repository from Feb 10, 2025. Inter-bank deals have hourly batch timelines; client deals above USD 1 million from May 12, 2025, and above USD 50,000 from Nov 10, 2025, must be reported by next day noon.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12748&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/88",
   "title": "Sovereign Green Bonds Now Open to Non-Residents via FAR",
   "url": "https://bankpulse.ai/c/rbi-2024-25-88/",
   "products": [],
   "summary": "RBI has added 10-year Sovereign Green Bonds issued in H2 FY25 to the Fully Accessible Route, allowing unrestricted non-resident investment alongside domestic investors, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12747&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/87",
   "title": "RBI Amends KYC Master Direction: Key Changes Effective Immediately",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-87/",
   "products": [],
   "summary": "RBI has amended the KYC Master Direction 2016 to align with recent PMLA rule changes, incorporate UAPA Section 51A procedure updates, and revise existing instructions. Key changes include CDD at UCIC level, clarified KYC updation, and streamlined CKYCR data sharing. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12746&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/86",
   "title": "BIS Standards Mandatory for Note Sorting Machines from May 1, 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-86/",
   "products": [],
   "summary": "From May 1, 2025, banks must deploy only Note Sorting Machines (NSMs) that conform to BIS standard IS 18663:2024 and are BIS-certified. This replaces earlier 2022 guidelines and aims to strengthen banknote sorting quality across India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12745&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:17 IST",
   "published_at_iso": "2026-06-19T05:17:00+05:30"
  },
  {
   "ref": "RBI/2024-25/109",
   "title": "Repo Rate Cut by 25 bps to 6.25%",
   "url": "https://bankpulse.ai/c/rbi-2024-25-109/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 6.25% effective February 7, 2025. SDF and MSF rates adjusted to 6.00% and 6.50% respectively. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12774&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/108",
   "title": "RBI Revises Penalty Framework for Payment Systems",
   "url": "https://bankpulse.ai/c/rbi-2024-25-108/",
   "products": [],
   "summary": "RBI has updated the framework for imposing monetary penalties and compounding offences under the PSS Act, 2007, effective January 30, 2025. The revised framework consolidates enforcement actions and incorporates amendments from the Jan Vishwas Act, 2023, replacing the earlier 2020 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12773&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/107",
   "title": "HFCs must follow NBFC NCD private placement rules",
   "url": "https://bankpulse.ai/c/rbi-2024-25-107/",
   "products": [],
   "summary": "RBI has aligned HFC private placement of NCDs (maturity >1 year) with NBFC Scale Based Regulation rules, repealing the earlier HFC-specific chapter. This applies to all fresh placements from January 29, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12772&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/106",
   "title": "RBI Revises ARC Settlement Guidelines for Borrower Dues",
   "url": "https://bankpulse.ai/c/rbi-2024-25-106/",
   "products": [],
   "summary": "RBI has revised guidelines for ARCs on settling borrower dues, effective January 20, 2025. Key changes include mandatory Board-approved policies, NPV floor linked to security realizable value, and enhanced oversight for settlements above ₹1 crore via Independent Advisory Committees.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12771&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/105",
   "title": "RBI mandates use of DoT's MNRL to curb voice/SMS fraud",
   "url": "https://bankpulse.ai/c/rbi-2024-25-105/",
   "products": [],
   "summary": "RBI directs all regulated entities to use the DoT's Mobile Number Revocation List (MNRL) via the Digital Intelligence Platform to clean customer databases, update verified mobile numbers, and monitor linked accounts for money mule risks. Entities must also adopt TRAI's numbering series for calls (us",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12770&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/104",
   "title": "RBI mandates full nomination coverage for deposit accounts",
   "url": "https://bankpulse.ai/c/rbi-2024-25-104/",
   "products": [],
   "summary": "RBI has directed all scheduled commercial banks, urban co-operative banks, and deposit-taking NBFCs to ensure nomination is obtained for all deposit accounts, safe custody articles, and lockers. Quarterly reporting on DAKSH portal starts March 31, 2025. Boards must review progress periodically.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12769&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/103",
   "title": "e-Kuber Open on March 30, 2025 for Government Transactions",
   "url": "https://bankpulse.ai/c/rbi-2024-25-103/",
   "products": [],
   "summary": "The Office of Controller General of Accounts advised that March 30, 2025 (Sunday) be marked as a working day for government transactions. Accordingly, e-Kuber will be open for government transactions on that day to process receipts and payments, ensuring all FY 2024-25 transactions are accounted wit",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12763&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/102",
   "title": "SBI assigned lead bank for new Nagaland district Meluri",
   "url": "https://bankpulse.ai/c/rbi-2024-25-102/",
   "products": [],
   "summary": "RBI has designated State Bank of India as the lead bank for the newly created Meluri district in Nagaland, effective from the state's November 2024 gazette notification. Other districts' lead banks remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12762&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/101",
   "title": "NaBFID gets AIFI status for credit derivatives and repo markets",
   "url": "https://bankpulse.ai/c/rbi-2024-25-101/",
   "products": [],
   "summary": "RBI has formally allowed NaBFID to participate as an All-India Financial Institution in credit default swap and repo transactions, updating the relevant Master Directions to include NaBFID. This takes effect immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12761&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/100",
   "title": "RBI Tightens Norms for State Govt Debt Relief Schemes",
   "url": "https://bankpulse.ai/c/rbi-2024-25-100/",
   "products": [],
   "summary": "RBI has issued new prudential guidelines for banks participating in state government debt relief schemes (DRS), requiring board-approved policies, clear determination of crystallised dues, and 100% provisioning for pending government receipts over 90 days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12760&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/99",
   "title": "RTGS/NEFT Beneficiary Name Look-Up Mandated by April 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-99/",
   "products": [],
   "summary": "RBI mandates banks to offer a beneficiary account name look-up facility for RTGS and NEFT via internet/mobile banking and branches by April 1, 2025, to reduce errors and frauds, similar to UPI/IMPS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12759&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/98",
   "title": "RBI mandates gold derivative reporting to CCIL from Feb 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-98/",
   "products": [],
   "summary": "From February 1, 2025, banks must report all OTC gold derivative transactions (domestic, IFSC, overseas) to CCIL's trade repository by next business day noon. A one-time catch-up report for transactions from April 15, 2024 is due by February 28, 2025. Quarterly exchange-traded gold derivative report",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12757&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:07 IST",
   "published_at_iso": "2026-06-19T05:07:00+05:30"
  },
  {
   "ref": "RBI/2024-25/123",
   "title": "UAPA Section 51A: UNSC Sanctions List Updated – 4 Entries Amended (as per provided source)",
   "url": "https://bankpulse.ai/c/rbi-2024-25-123/",
   "products": [],
   "summary": "RBI mandates all regulated entities to immediately screen accounts against the updated UNSC 1267/1989 ISIL & Al-Qaida Sanctions List, which includes amendments to 4 entries (individuals) as per the provided source. No accounts must be held for listed individuals/entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12790&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/122",
   "title": "March 2025 Central Govt Transaction Closure: April 10 Deadline",
   "url": "https://bankpulse.ai/c/rbi-2024-25-122/",
   "products": [],
   "summary": "RBI sets April 10, 2025 as the residual transaction closure date for March 2025. Agency banks must segregate March and April scrolls, use courier for late challans, and ensure all FY 2024-25 collections/payments are accounted in the same financial year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12789&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/121",
   "title": "UNSC Sanctions List Updated: One Entry Removed",
   "url": "https://bankpulse.ai/c/rbi-2024-25-121/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their records following the UNSC's removal of Lionel Dumont from the ISIL & Al-Qaida sanctions list. No new accounts or transactions with this individual are restricted, but existing compliance procedures under UAPA must be followed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12788&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/120",
   "title": "RBI Restores NBFC Risk Weights to Pre-November 2023 Levels",
   "url": "https://bankpulse.ai/c/rbi-2024-25-120/",
   "products": [],
   "summary": "RBI reverses the 25 percentage point risk weight hike on SCB exposures to NBFCs, effective April 1, 2025. Risk weights will now follow external ratings per the Basel III Master Circular, easing capital requirements for banks lending to most NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12787&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/119",
   "title": "RBI Eases Risk Weights on Microfinance Loans",
   "url": "https://bankpulse.ai/c/rbi-2024-25-119/",
   "products": [],
   "summary": "RBI has reduced risk weights on microfinance loans classified as consumer credit from 125% to 100%, effective February 25, 2025. This applies to all commercial banks, including SFBs, RRBs, and LABs, but excludes payments banks. The move aims to lower capital requirements for lenders.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12786&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/118",
   "title": "RBI Eases Prudential Norms for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-118/",
   "products": [],
   "summary": "RBI has revised prudential norms for UCBs, raising small value loan ceiling to ₹3 crore, easing real estate exposure limits, and extending provisioning glide path for security receipts. This enhances operational flexibility while maintaining regulatory objectives.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12785&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/117",
   "title": "RBI Finalises Bond Forward Directions for G-Secs",
   "url": "https://bankpulse.ai/c/rbi-2024-25-117/",
   "products": [],
   "summary": "RBI has finalised the Reserve Bank of India (Forward Contracts in Government Securities) Directions, 2025, effective May 2, 2025. These allow OTC bond forwards in government securities, updating related master directions on market-makers and margining.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12784&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/116",
   "title": "AIFI HTM Cap Relaxed for Long-Term Bonds of Non-Financial Entities",
   "url": "https://bankpulse.ai/c/rbi-2024-25-116/",
   "products": [],
   "summary": "RBI has exempted AIFIs' investments in long-term bonds/debentures (3+ years residual maturity) of non-financial entities from the 25% HTM ceiling, effective April 1, 2025, to support infrastructure and long-term financing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12783&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/115",
   "title": "RBI allows NDS-OM matching for PM-GAH and inter-GAH G-sec trades",
   "url": "https://bankpulse.ai/c/rbi-2024-25-115/",
   "products": [],
   "summary": "RBI now permits Primary Members to match G-sec trades with their own Gilt Account Holders or between two GAHs on NDS-OM, with CCIL clearing and settlement. Bilaterally negotiated trades can also opt for CCIL settlement. SGL bouncing rules apply on settlement failures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12782&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/112",
   "title": "Agency Banks Must Open on March 31, 2025 for Govt Transactions",
   "url": "https://bankpulse.ai/c/rbi-2024-25-112/",
   "products": [],
   "summary": "RBI mandates all agency bank branches handling government business to remain open on March 31, 2025 (Monday, a public holiday) to process all government receipts and payments for FY 2024-25. Banks must publicize this.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12778&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/111",
   "title": "RBI cuts Bank Rate by 25 bps to 6.50%",
   "url": "https://bankpulse.ai/c/rbi-2024-25-111/",
   "products": [],
   "summary": "RBI reduced the Bank Rate by 25 basis points to 6.50% effective February 7, 2025. This directly lowers penal interest rates on reserve shortfalls, easing liquidity cost pressures for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12776&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/110",
   "title": "Repo Rate Cut to 6.25%: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2024-25-110/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 6.25% effective immediately. The Standing Liquidity Facility for Primary Dealers is now available at this revised rate, lowering their cost of collateralised borrowing from the central bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12775&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 05:02 IST",
   "published_at_iso": "2026-06-19T05:02:00+05:30"
  },
  {
   "ref": "RBI/2024-25/133",
   "title": "RBI Issues Updated General Notification for G-Sec Issuance",
   "url": "https://bankpulse.ai/c/rbi-2024-25-133/",
   "products": [],
   "summary": "RBI has issued a new General Notification in March 2025 that replaces the 2018 notifications governing the sale of government securities, Treasury Bills and Cash Management Bills, updating the primary market auction framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12802&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/132",
   "title": "Gold Monetization Scheme: MLTGD Discontinued from March 26, 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-132/",
   "products": [],
   "summary": "Government discontinues Medium and Long Term Government Deposit (MLTGD) component of Gold Monetization Scheme from March 26, 2025. Banks can still offer Short Term Bank Deposits (STBD) at their discretion. Existing MLTGD deposits will continue till redemption.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12801&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/DOR/2024-25/129",
   "title": "RBI's New Capital Adequacy Master Direction for RRBs (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2024-25-129/",
   "products": [],
   "summary": "RBI consolidated all existing capital adequacy norms for Regional Rural Banks into a single Master Direction effective April 1, 2025. It covers minimum regulatory capital, risk-weighted assets, and reporting, with some modifications and rationalisation. No new capital ratios or thresholds were intro",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12800&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/FIDD/2024-25/128",
   "title": "RBI's 2025 Priority Sector Lending Master Directions",
   "url": "https://bankpulse.ai/c/rbi-fidd-2024-25-128/",
   "products": [],
   "summary": "RBI issued consolidated PSL Directions effective April 1, 2025, superseding the 2020 version. All existing PSL loans remain eligible till maturity. The directions cover targets, classification, and on-lending caps for banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12799&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/131",
   "title": "PSLC-SF/MF now counts for multiple PSL targets",
   "url": "https://bankpulse.ai/c/rbi-2024-25-131/",
   "products": [],
   "summary": "RBI has expanded the counting of PSLC-SF/MF certificates: they now simultaneously count toward the SF/MF sub-target, Weaker Sections sub-target, NCF sub-target, agriculture target, and overall PSL target, replacing the earlier narrower counting rule.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12798&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/130",
   "title": "RBI Revises PSL Target for Urban Co-operative Banks to 60%",
   "url": "https://bankpulse.ai/c/rbi-2024-25-130/",
   "products": [],
   "summary": "RBI has revised the overall Priority Sector Lending target for Urban Co-operative Banks to 60% of ANBC or CEOBSE (whichever higher) from FY2024-25 onwards, replacing the earlier phased target of 75% by FY2025-26.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12797&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/129",
   "title": "Currency Chests Must Stay Open on March 31, 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-129/",
   "products": [],
   "summary": "RBI mandates all Currency Chests to remain open on March 31, 2025 (a public holiday) to support government transaction closures for FY 2024-25. Banks must treat it as a normal working day and inform linked branches.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12796&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/128",
   "title": "ROU Asset Treatment for Regulatory Capital",
   "url": "https://bankpulse.ai/c/rbi-2024-25-128/",
   "products": [],
   "summary": "NBFCs, HFCs, and ARCs no longer need to deduct Right-of-Use (ROU) assets from Owned Fund or CET1 capital if the underlying leased asset is tangible. ROU assets must be risk-weighted at 100%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12795&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/127",
   "title": "RRBs Allowed 5-Year Amortisation for Retrospective Pension Liability",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-127/",
   "products": [],
   "summary": "RBI allows RRBs to spread the additional pension liability from implementing the scheme retrospectively (Nov 1, 1993) over up to 5 years from FY25, with minimum 20% expensed annually. Unamortised amount won't reduce Tier 1 capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12794&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/126",
   "title": "RBI Clarifies Financial Statement Disclosures for Banks",
   "url": "https://bankpulse.ai/c/rbi-2024-25-126/",
   "products": [],
   "summary": "RBI has issued clarifications on financial statement disclosures for banks, effective FY2024-25. Key points: lien-marked deposits remain under 'Deposits', CGTMSE/CRGFTLIH/NCGTC-backed advances count as government-guaranteed, and repo/reverse repo disclosures must include both market and face values.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12793&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-2025/125",
   "title": "RBI allows INR/MVR settlement for India-Maldives trade",
   "url": "https://bankpulse.ai/c/rbi-2024-2025-125/",
   "products": [],
   "summary": "RBI now permits India-Maldives bilateral trade to be settled in Indian Rupees (INR) or Maldivian Rufiyaa (MVR), in addition to the existing ACU mechanism. This follows a November 2024 MoU between RBI and Maldives Monetary Authority to promote local currency use.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12792&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2024-25/124",
   "title": "Year-End Closing: Govt Account Rules for FY 2024-25",
   "url": "https://bankpulse.ai/c/rbi-2024-25-124/",
   "products": [],
   "summary": "RBI mandates all government transactions for FY 2024-25 be accounted for within the same financial year. Agency banks must keep branches open for over-the-counter government receipts/payments up to normal working hours on March 31, 2025, and the reporting window for uploading GST/TIN 2.0/ICEGATE/sta",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12791&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:53 IST",
   "published_at_iso": "2026-06-19T04:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/08",
   "title": "RBI Updates Basel III Capital Master Circular for SCBs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-08/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on Basel III capital regulations for Scheduled Commercial Banks (excluding SFBs, PBs, RRBs), updating and incorporating all relevant guidelines issued as of April 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12815&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/07",
   "title": "Master Circular on Board of Directors for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-07/",
   "products": [],
   "summary": "RBI consolidated all guidelines on UCB board composition, requiring at least two professional directors with banking or finance expertise, and mandating a Board of Management for UCBs with deposits over Rs.100 crore, excluding salary earners' banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12813&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/06",
   "title": "Master Circular on Agency Commission for Government Business",
   "url": "https://bankpulse.ai/c/rbi-2025-26-06/",
   "products": [],
   "summary": "RBI has updated its Master Circular on agency commission for banks handling government business, consolidating instructions up to March 31, 2025. Key changes include clarified eligibility for stamp duty collection and exclusion of own tax liabilities from commission claims.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12812&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/05",
   "title": "Master Circular: Government Pension Disbursement by Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-05/",
   "products": [],
   "summary": "RBI has updated its Master Circular on government pension disbursement by agency banks, consolidating instructions issued up to March 31, 2025. Banks must act promptly on government orders without waiting for RBI instructions and handle excess payments independently.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12811&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/DCM/2025-26/131",
   "title": "Penalty Scheme for Banks on Customer Service Deficiencies",
   "url": "https://bankpulse.ai/c/rbi-dcm-2025-26-131/",
   "products": [],
   "summary": "RBI has issued a consolidated Master Direction on penalties for bank branches and currency chests for poor customer service, covering shortages, counterfeit notes, mutilated notes, and operational lapses. Banks must comply with Clean Note Policy and operational guidelines to avoid fines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12810&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/DCM/2025-26/130",
   "title": "RBI Tightens Penal Rules for Currency Chest Reporting",
   "url": "https://bankpulse.ai/c/rbi-dcm-2025-26-130/",
   "products": [],
   "summary": "RBI issued a Master Direction on penal provisions for currency chest reporting, issued April 1, 2025. Banks must report all transactions via CyM-CC portal by 7 PM same day, with penal interest on delays or wrong reporting. Minimum transaction size is ₹1 lakh, in multiples of ₹50,000.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12809&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/04",
   "title": "Lead Bank Scheme Master Circular 2025: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-2025-26-04/",
   "products": [],
   "summary": "RBI consolidated all Lead Bank Scheme guidelines up to March 31, 2025 into one Master Circular. It covers forum structures, credit planning, banking penetration, and digital payments. Banks must align with updated procedures for SLBC/DCC meetings and data flow.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12808&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/03",
   "title": "Master Circular on SC/ST Credit Facilities",
   "url": "https://bankpulse.ai/c/rbi-2025-26-03/",
   "products": [],
   "summary": "RBI consolidated all existing guidelines on credit facilities for SC/ST borrowers into a single Master Circular. Banks must prioritize SC/ST lending through district credit plans, simplify loan processes, and ensure upfront subsidy release without deposit demands.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12807&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/02",
   "title": "RBI Master Circular on DAY-NRLM: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-02/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on DAY-NRLM, replacing the April 2024 version. It covers SHG accounts, KYC norms, Revolving Fund, CIF, and interest subvention. Banks must follow updated guidelines for SHG and federation accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12806&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/01",
   "title": "Master Circular on SHG-Bank Linkage Programme (Issued April 1, 2025)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-01/",
   "products": [],
   "summary": "RBI consolidated all SHG-Bank linkage guidelines into a single master circular as of April 1, 2025. Banks must meet entire credit needs of SHG members, simplify procedures, and open savings accounts for registered or unregistered SHGs with simplified KYC.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12805&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2024-25/135",
   "title": "Revised norms for government-guaranteed Security Receipts",
   "url": "https://bankpulse.ai/c/rbi-dor-2024-25-135/",
   "products": [],
   "summary": "RBI has issued differentiated prudential norms for Security Receipts (SRs) guaranteed by the Government of India. Banks can now reverse excess provisions on loan transfers to ARCs if consideration includes such SRs, but must deduct the non-cash component from CET1 capital and restrict dividends.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12804&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2024-25/134",
   "title": "Special Clearing for Government Cheques on March 31, 2025",
   "url": "https://bankpulse.ai/c/rbi-2024-25-134/",
   "products": [],
   "summary": "RBI mandates special CTS clearing for government cheques on March 31, 2025, from 5:00-5:30 PM (presentation) and 7:00-7:30 PM (returns). All member banks must participate, keep infrastructure open, and maintain sufficient settlement balances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12803&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:42 IST",
   "published_at_iso": "2026-06-19T04:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/20",
   "title": "FPI Debt Investment Limits for FY 2025-26 Announced",
   "url": "https://bankpulse.ai/c/rbi-2025-26-20/",
   "products": [],
   "summary": "RBI has kept FPI investment limits unchanged at 6% for G-Secs, 2% for SGSs, and 15% for corporate bonds for FY 2025-26. Absolute limits are revised upward in two half-yearly tranches, and an additional CDS notional limit of ₹2,93,612 crore is set for the year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12829&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/19",
   "title": "UCB Exposure Norms Master Circular Updated to March 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-19/",
   "products": [],
   "summary": "RBI has consolidated all exposure norms and statutory restrictions for Primary Urban Co-operative Banks into a single Master Circular updated through March 31, 2025. No new instructions are introduced; this is purely a compilation of existing guidelines for easier reference.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12828&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/18",
   "title": "RBI Updates Master Circular on Advances for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-18/",
   "products": [],
   "summary": "RBI issued a revised Master Circular on Management of Advances for UCBs, consolidating all instructions issued up to March 31, 2025. No new guidelines are introduced; it replaces the July 2023 circular and covers working capital, credit administration, restructuring, and lending activities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12827&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/17",
   "title": "Master Circular on Housing Finance for UCBs (2025)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-17/",
   "products": [],
   "summary": "RBI has updated its Master Circular on housing finance for Primary Urban Co-operative Banks (UCBs), consolidating all instructions issued up to March 31, 2025. No new guidelines are introduced; this is a routine compilation to help banks reference current rules easily.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12826&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/16",
   "title": "RBI Master Circular on Housing Finance – April 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-16/",
   "products": [],
   "summary": "RBI has issued a revised Master Circular on Housing Finance, consolidating all instructions issued up to March 31, 2025. No new guidelines are introduced; it merely updates the previous circular from April 2024. Banks must use this as the single reference for housing finance norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12824&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/15",
   "title": "Master Circular on Bank Finance to NBFCs (2025)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-15/",
   "products": [],
   "summary": "RBI issued a consolidated Master Circular on bank finance to NBFCs, effective April 1, 2025. It updates previous instructions without new guidelines, covering prudential norms, exposure ceilings, and restrictions on certain financing activities for all scheduled commercial banks except RRBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12823&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/13",
   "title": "RBI Updates IRAC Norms Master Circular for 2025-26",
   "url": "https://bankpulse.ai/c/rbi-2025-26-13/",
   "products": [],
   "summary": "RBI issued a revised Master Circular on prudential norms for income recognition, asset classification, and provisioning (IRAC) as of April 1, 2025. It consolidates all instructions up to March 31, 2025, without introducing new guidelines. Banks must update their internal policies to align with this ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12822&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/14",
   "title": "RBI Master Circular on IRAC Norms for UCBs (2025)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-14/",
   "products": [],
   "summary": "RBI issued a revised Master Circular for Primary (Urban) Co-operative Banks on income recognition, asset classification, and provisioning, consolidating all instructions up to March 31, 2025. No new guidelines are introduced; it's a clean compilation of existing prudential norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12821&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/12",
   "title": "Master Circular on Guarantees and Co-acceptances 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-12/",
   "products": [],
   "summary": "RBI has issued a revised Master Circular on Guarantees and Co-acceptances, consolidating all instructions issued up to March 31, 2025. No new guidelines are introduced; this is a pure compilation. Banks must ensure their guarantee policies align with the updated circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12820&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/11",
   "title": "Master Circular: Guarantees, Co-acceptances & Letters of Credit for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-11/",
   "products": [],
   "summary": "RBI consolidated all existing instructions on guarantees, co-acceptances, and letters of credit for Primary Urban Co-operative Banks into a single master circular, effective April 1, 2025. No new guidelines were introduced; this is purely a compilation of prior directives up to March 31, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12819&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/10",
   "title": "RBI FAQs on Investment Portfolio Directions 2023",
   "url": "https://bankpulse.ai/c/rbi-2025-26-10/",
   "products": [],
   "summary": "RBI issued FAQs clarifying key aspects of the 2023 Investment Portfolio Directions, including HTM classification for bonds with put options, fair value at initial recognition, amortisation of discount/premium, and treatment of converted securities from NPAs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12817&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/09",
   "title": "RBI Master Circular: Capital Adequacy Norms for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-09/",
   "products": [],
   "summary": "RBI consolidated capital adequacy rules for Urban Co-operative Banks (UCBs) as of April 1, 2025. Key updates: minimum net worth of ₹2 crore (single-district) or ₹5 crore (others) with phased deadlines (50% by March 31, 2026, full by March 31, 2028), and CRAR of 9% for Tier 1 UCBs, 12% for Tiers 2-4,",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12816&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:35 IST",
   "published_at_iso": "2026-06-19T04:35:00+05:30"
  },
  {
   "ref": "RBI/2025-26/31",
   "title": "RBI Extends Note Sorting Machine Compliance Deadline to Nov 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-31/",
   "products": [],
   "summary": "RBI has extended the deadline for banks to comply with BIS standards for note sorting machines by six months, now due November 1, 2025, following industry feedback on implementation challenges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12841&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/30",
   "title": "RBI eases export rules for Bharat Mart warehouse in UAE",
   "url": "https://bankpulse.ai/c/rbi-2025-26-30/",
   "products": [],
   "summary": "RBI now allows exporters using Bharat Mart in UAE to repatriate sale proceeds within nine months of sale, not shipment. AD banks can also approve warehouse setup and operational remittances without pre-conditions, subject to reasonableness checks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12840&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/FED/2025-26/135",
   "title": "FEMA Compounding Master Direction 2025: Key Updates for AD Banks",
   "url": "https://bankpulse.ai/c/rbi-fed-2025-26-135/",
   "products": [],
   "summary": "RBI issued a new Master Direction on compounding FEMA contraventions, superseding the 2022 version. It aligns with the 2024 Compounding Rules, sets a 180-day compounding timeline, and reiterates AD banks' compliance obligations under FEMA Sections 11(2) and 11(3).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12839&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/FED/2025-26/29",
   "title": "FEMA Compounding Rules Updated: No Link to Past Orders",
   "url": "https://bankpulse.ai/c/rbi-fed-2025-26-29/",
   "products": [],
   "summary": "RBI has deleted the rule linking compounding amounts to earlier orders for repeat FEMA contraventions. Applicants must now provide mobile number, payment office, and submission mode to speed up processing.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12838&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/28",
   "title": "RBI mandates .bank.in domain migration by Oct 31, 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-28/",
   "products": [],
   "summary": "RBI has directed all commercial and co-operative banks to migrate their existing internet domains to the exclusive '.bank.in' domain by October 31, 2025, to combat digital payment fraud and strengthen cybersecurity. IDRBT will act as the registrar for this domain.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12837&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/27",
   "title": "RBI Revises LCR Haircuts and Deposit Run-off Rates",
   "url": "https://bankpulse.ai/c/rbi-2025-26-27/",
   "products": [],
   "summary": "RBI has revised LCR norms: retail deposits with internet/mobile banking get an additional 2.5% run-off factor; Level 1 HQLA haircuts align with LAF/MSF margins; deposits from non-financial entities like trusts now attract 40% run-off instead of 100%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12836&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/26",
   "title": "RBI revamps minor deposit account rules: unified framework from July 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-26/",
   "products": [],
   "summary": "RBI has consolidated and rationalised all past circulars on minor deposit accounts into a single set of instructions. Banks must align policies by July 1, 2025. Key changes: minors of any age can open accounts with a guardian, those above 10 can operate independently within bank-set limits, and addi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12835&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/25",
   "title": "Rajasthan District Reorganisation: Lead Bank Roles Updated",
   "url": "https://bankpulse.ai/c/rbi-2025-26-25/",
   "products": [],
   "summary": "RBI has revoked lead bank responsibilities for nine erstwhile districts in Rajasthan following their merger into 12 existing districts. Lead banks for 10 districts are retained; Jaipur and Jodhpur districts have modified lead bank assignments. No changes for other districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12834&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/24",
   "title": "Repo Rate Cut to 6.00%: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2025-26-24/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 6.00%, effective immediately. The Standing Liquidity Facility for Primary Dealers is now available at this revised rate, reducing their cost of collateralised liquidity from the central bank.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12833&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/23",
   "title": "Penal Interest on CRR/SLR Shortfall Revised After Bank Rate Cut",
   "url": "https://bankpulse.ai/c/rbi-2025-26-23/",
   "products": [],
   "summary": "RBI cut the Bank Rate by 25 bps to 6.25% on April 9, 2025. Penal interest rates on CRR and SLR shortfalls linked to Bank Rate have dropped: the lower tier is now 9.25% and the higher tier is 11.25%, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12832&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/22",
   "title": "Repo Rate Cut by 25 bps to 6.00%",
   "url": "https://bankpulse.ai/c/rbi-2025-26-22/",
   "products": [],
   "summary": "RBI cut the repo rate by 25 bps to 6.00% effective April 9, 2025. SDF and MSF rates adjusted to 5.75% and 6.25% respectively. All other LAF terms unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12831&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/21",
   "title": "RBI Withdraws 20 Cheque-Related Circulars",
   "url": "https://bankpulse.ai/c/rbi-2025-26-21/",
   "products": [],
   "summary": "RBI has withdrawn 20 outdated circulars on cheques, including MICR technology, immediate credit limits, and outstation cheque collection rules. Banks must update their internal policies and ensure compliance with current guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12830&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:26 IST",
   "published_at_iso": "2026-06-19T04:26:00+05:30"
  },
  {
   "ref": "RBI/2025-26/42",
   "title": "RBI Reduces LAF Rates by 50 Basis Points",
   "url": "https://bankpulse.ai/c/rbi-2025-26-42/",
   "products": [],
   "summary": "RBI reduces LAF policy repo rate by 50 basis points to 5.50% with immediate effect.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12854&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/41",
   "title": "Vishweshwar Sahakari Bank Added to RBI Second Schedule",
   "url": "https://bankpulse.ai/c/rbi-2025-26-41/",
   "products": [],
   "summary": "RBI has added The Vishweshwar Sahakari Bank Ltd., Pune to the Second Schedule of the RBI Act, 1934, effective April 7, 2025. This grants it scheduled bank status, enhancing its regulatory standing and access to central bank facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12853&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/40",
   "title": "RBI eases reporting for partly paid units of investment vehicles",
   "url": "https://bankpulse.ai/c/rbi-2025-26-40/",
   "products": [],
   "summary": "RBI allows investment vehicles to report past partly paid unit issuances to residents outside India within 180 days via FIRMS portal, with no late fee. Future issuances must follow the standard 30-day reporting timeline.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12852&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/39",
   "title": "Withdrawal of Master Circular on DAY-NULM",
   "url": "https://bankpulse.ai/c/rbi-2025-26-39/",
   "products": [],
   "summary": "RBI withdraws Master Circular on Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) and related circulars, effective October 1, 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12851&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/38",
   "title": "North East SFB renamed to slice Small Finance Bank in RBI Schedule",
   "url": "https://bankpulse.ai/c/rbi-2025-26-38/",
   "products": [],
   "summary": "RBI has officially changed the name of 'North East Small Finance Bank Limited' to 'slice Small Finance Bank Limited' in the Second Schedule of the RBI Act, 1934, effective from May 14, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12850&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-2026/37",
   "title": "RBI Notifies $700 Mn Exim Bank Line of Credit to Mongolia for Refinery",
   "url": "https://bankpulse.ai/c/rbi-2025-2026-37/",
   "products": [],
   "summary": "RBI has informed AD Category-I banks about Exim Bank's $700 million Government of India-supported Line of Credit to Mongolia for constructing a crude oil refinery. Exports of eligible goods and services from India under this LoC are permitted, with no agency commission payable from the credit procee",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12849&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/36",
   "title": "RBI Digital Lending Directions 2025: Key Rules for REs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-36/",
   "products": [],
   "summary": "RBI issued consolidated Digital Lending Directions 2025, effective immediately except for multi-lender LSP rules (Nov 1, 2025) and DLA directory (June 15, 2025). Covers all banks, NBFCs, HFCs, and AIFIs. Key changes include mandatory due diligence on LSPs, borrower protection measures, data privacy ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12848&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/35",
   "title": "RBI removes short-term and concentration limits on FPI corporate debt investments",
   "url": "https://bankpulse.ai/c/rbi-2025-26-35/",
   "products": [],
   "summary": "RBI has withdrawn short-term investment and concentration limits for FPIs investing in corporate debt under the General Route, effective immediately. This simplifies compliance and encourages greater foreign inflows into Indian corporate bonds.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12847&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/34",
   "title": "RBI Mandates PRAVAAH Portal for All Regulatory Applications from May 1",
   "url": "https://bankpulse.ai/c/rbi-2025-26-34/",
   "products": [],
   "summary": "From May 1, 2025, all regulated entities must submit applications for regulatory authorisations, licenses, and approvals exclusively through the RBI's PRAVAAH portal. This centralised web-based platform has already processed nearly 4,000 applications since its launch in May 2024.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12845&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/33",
   "title": "RBI mandates ₹100 and ₹200 notes in ATMs by 2026",
   "url": "https://bankpulse.ai/c/rbi-2025-26-33/",
   "products": [],
   "summary": "RBI has directed all banks and WLAOs to ensure 75% of ATMs dispense ₹100 or ₹200 notes from at least one cassette by Sep 30, 2025, and 90% by Mar 31, 2026, to improve access to smaller denominations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12844&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/DCM/2025-26/136",
   "title": "RBI's Currency Distribution & Exchange Scheme Incentives",
   "url": "https://bankpulse.ai/c/rbi-dcm-2025-26-136/",
   "products": [],
   "summary": "RBI has issued a Master Direction on the Currency Distribution & Exchange Scheme (CDES), offering financial incentives to bank branches and currency chests for better customer service in note/coin exchange. Key incentives include capital cost reimbursement up to ₹50 lakh for CCs in remote areas, ₹2 ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12843&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/FED/2025-26/32",
   "title": "FEMA Compounding: Max Penalty Capped at ₹2 Lakh for Minor Contraventions",
   "url": "https://bankpulse.ai/c/rbi-fed-2025-26-32/",
   "products": [],
   "summary": "RBI has capped the maximum compounding amount at ₹2,00,000 per regulation/rule for contraventions under row 5 of the FEMA compounding matrix, applicable from April 24, 2025. This provides relief for minor, exceptional cases.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12842&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:18 IST",
   "published_at_iso": "2026-06-19T04:18:00+05:30"
  },
  {
   "ref": "RBI/2025-26/81",
   "title": "Special CTS Clearing on Oct 3, 2025 for Continuous Settlement Transition",
   "url": "https://bankpulse.ai/c/rbi-2025-26-81/",
   "products": [],
   "summary": "RBI mandates special clearing in Cheque Truncation System on October 3, 2025, with modified timings, to facilitate the transition to continuous clearing starting October 4. Banks must use specific clearing type '99' and session numbers '21' (presentation) and '22' (return) for all instruments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12900&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/80",
   "title": "RBI allows co-op banks to invest in NABARD's Shared Service Entity",
   "url": "https://bankpulse.ai/c/rbi-2025-26-80/",
   "products": [],
   "summary": "RBI has permitted StCBs and CCBs to voluntarily invest up to 5% of their owned funds in the share capital of NABARD's new Shared Service Entity (SSE). This investment is exempt from existing prudential limits on non-SLR investments and the ban on unlisted non-SLR securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12899&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/79",
   "title": "RBI's New Authentication Rules for Digital Payments",
   "url": "https://bankpulse.ai/c/rbi-2025-26-79/",
   "products": [],
   "summary": "RBI has issued new directions for digital payment authentication, effective April 1, 2026. The rules mandate two-factor authentication but allow alternative mechanisms beyond SMS OTP. They apply to all domestic digital transactions and include specific provisions for cross-border card transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12898&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/78",
   "title": "SPDs Now Allowed in Non-Deliverable Rupee Derivatives",
   "url": "https://bankpulse.ai/c/rbi-2025-26-78/",
   "products": [],
   "summary": "RBI now permits Standalone Primary Dealers (AD Cat-III) to transact in non-deliverable rupee derivative contracts (NDDCs) with residents and non-residents, effective immediately. This expands the eligible participant base beyond IFSC Banking Units.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12897&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/62",
   "title": "RBI Updates DEA Fund Scheme Operational Guidelines",
   "url": "https://bankpulse.ai/c/rbi-2025-26-62/",
   "products": [],
   "summary": "Banks must register on e-Kuber, update authorized signatories, and transfer unclaimed amounts to DEA Fund in accordance with revised guidelines effective October 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12876&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/49",
   "title": "PSL Shortfall Contributions: New Exposure & Risk Weight Rules for UCBs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-49/",
   "products": [],
   "summary": "RBI has exempted PSL shortfall contributions to NABARD, NHB, SIDBI, and MUDRA from single/group exposure limits for UCBs. These contributions now carry a 100% risk weight under 'all other assets'. Effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12862&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/48",
   "title": "LEF Exemption Expanded for PSL Shortfall Contributions",
   "url": "https://bankpulse.ai/c/rbi-2025-26-48/",
   "products": [],
   "summary": "RBI now exempts contributions to NHB, SIDBI, MUDRA, or any specified entity for PSL shortfall from Large Exposures Framework limits, applicable with immediate effect.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12861&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/47",
   "title": "Lending Against Gold and Silver Collateral Directions, 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-47/",
   "products": [],
   "summary": "RBI issues revised directions for lending against gold and silver collateral to harmonize regulations and strengthen conduct-related aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12859&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/46",
   "title": "CRR cut by 100 bps to 3% in four tranches from Sep 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-46/",
   "products": [],
   "summary": "RBI reduces CRR by 100 bps to 3% of NDTL in four equal tranches of 25 bps each, effective from fortnights beginning Sep 6, Oct 4, Nov 1, and Nov 29, 2025. This frees up bank liquidity and supports lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12858&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/45",
   "title": "Penal Interest on CRR and SLR",
   "url": "https://bankpulse.ai/c/rbi-2025-26-45/",
   "products": [],
   "summary": "RBI reduces Bank Rate by 50 basis points, affecting penal interest rates on CRR and SLR shortfalls.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12857&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/44",
   "title": "NBFC-MFI Qualifying Assets Threshold Revised to 60%",
   "url": "https://bankpulse.ai/c/rbi-2025-26-44/",
   "products": [],
   "summary": "RBI has revised the qualifying assets criterion for NBFC-MFIs: they must now hold at least 60% of net total assets (excluding intangibles) as microfinance loans, effective immediately. Failure for four consecutive quarters requires a remediation plan submission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12856&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/43",
   "title": "Repo Rate Cut to 5.50%: SLF for Primary Dealers Revised",
   "url": "https://bankpulse.ai/c/rbi-2025-26-43/",
   "products": [],
   "summary": "RBI cut the policy repo rate by 50 bps to 5.50% effective June 6, 2025. The Standing Liquidity Facility for Primary Dealers is now available at the revised repo rate. This follows the MPC's bi-monthly policy announcement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12855&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:10 IST",
   "published_at_iso": "2026-06-19T04:10:00+05:30"
  },
  {
   "ref": "RBI/FED/2025-26/98",
   "title": "RBI Updates Account Details for FEMA Compounding Fees",
   "url": "https://bankpulse.ai/c/rbi-fed-2025-26-98/",
   "products": [],
   "summary": "The RBI has amended the Master Directions on compounding of FEMA contraventions to revise the bank account where the application fee and the compounding amount must be paid. Payments will now be accepted only through NEFT or RTGS to the new account specified in Annexure I.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12924&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/351",
   "title": "RBI's New Concentration Risk Management Directions for NBFCs (Updated as on April 01, 2026)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-351/",
   "products": [],
   "summary": "RBI issued consolidated concentration risk management directions for NBFCs, effective immediately. These set exposure limits, internal caps, and large exposure framework rules across Base, Middle, and Upper Layers, replacing earlier circulars. HFCs and certain NBFCs have partial applicability.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12953&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/91",
   "title": "RBI Allows Investment in Non-Convertible Debentures/Bonds for Special Rupee Vostro Accounts",
   "url": "https://bankpulse.ai/c/rbi-2025-26-91/",
   "products": [],
   "summary": "RBI allows AD banks to permit investment of surplus balances in Special Rupee Vostro Accounts in non-convertible debentures/bonds and commercial papers issued by Indian companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12910&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/90",
   "title": "SRVA Holders Can Now Invest in Corporate Debt Securities",
   "url": "https://bankpulse.ai/c/rbi-2025-26-90/",
   "products": [],
   "summary": "RBI now permits persons resident outside India to invest surplus balances in Special Rupee Vostro Accounts (SRVA) in non-convertible debentures/bonds and commercial papers issued by Indian companies, expanding beyond government securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12909&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/89",
   "title": "RBI Eases Small Export/Import Entry Closure in EDPMS/IDPMS",
   "url": "https://bankpulse.ai/c/rbi-2025-26-89/",
   "products": [],
   "summary": "RBI now allows AD banks to close EDPMS/IDPMS entries up to ₹10 lakh per bill based on a simple declaration from the exporter or importer, reducing compliance burden and eliminating penal charges for delays.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12908&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/88",
   "title": "Merchanting Trade Transactions",
   "url": "https://bankpulse.ai/c/rbi-2025-26-88/",
   "products": [],
   "summary": "RBI increases foreign exchange outlay time for merchanting trade to 6 months.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12907&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/87",
   "title": "RBI Updates Basel III Capital Regulations for Perpetual Debt Instruments",
   "url": "https://bankpulse.ai/c/rbi-2025-26-87/",
   "products": [],
   "summary": "RBI revises eligible limit for Perpetual Debt Instruments (PDI) denominated in foreign currency/rupee denominated bonds overseas in Additional Tier 1 Capital, effective October 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12906&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/86",
   "title": "SFBs: New AT1 PDI Limit for Foreign Currency/Rupee Bonds Overseas",
   "url": "https://bankpulse.ai/c/rbi-2025-26-86/",
   "products": [],
   "summary": "RBI has revised the eligible limit for Perpetual Debt Instruments (PDIs) in foreign currency or rupee-denominated bonds overseas for Small Finance Banks to 1.5% of Risk Weighted Assets, effective October 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12905&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/85",
   "title": "RBI revises AT1 PDI foreign currency limit to 1.5% of RWAs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-85/",
   "products": [],
   "summary": "RBI has increased the eligible limit for Perpetual Debt Instruments (PDIs) in foreign currency/rupee bonds overseas to 1.5% of Risk Weighted Assets (RWAs) for AT1 capital, effective October 1, 2025, superseding the earlier 2021 circular.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12904&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/84",
   "title": "Gold & Silver Loan Rules: 1st Amendment 2025",
   "url": "https://bankpulse.ai/c/rbi-2025-26-84/",
   "products": [],
   "summary": "RBI's 1st Amendment to Gold/Silver Collateral Directions clarifies that lenders cannot grant loans for buying gold or silver in any form, or against primary gold/silver or related financial assets. Scheduled Commercial Banks and Tier 3/4 UCBs may still provide need-based working capital to genuine i",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12903&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/83",
   "title": "RBI eases spread reduction and fixed-rate switch rules for loans",
   "url": "https://bankpulse.ai/c/rbi-2025-26-83/",
   "products": [],
   "summary": "RBI now allows banks to reduce spread components on loans before three years for customer retention, and makes fixed-rate switch optional for lenders on floating-rate personal loans. Effective October 1, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12902&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/82",
   "title": "RBI Standardizes Claim Settlement for Deceased Customers",
   "url": "https://bankpulse.ai/c/rbi-2025-26-82/",
   "products": [],
   "summary": "RBI has issued new directions to standardize and streamline the settlement of claims for deceased customers' deposits, lockers, and safe custody articles. Banks must implement these rules by March 31, 2026, to ensure faster, uniform processing and reduce family hardship.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12901&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 04:02 IST",
   "published_at_iso": "2026-06-19T04:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/373",
   "title": "RBI Issues Consolidated NBFC Miscellaneous Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-373/",
   "products": [],
   "summary": "RBI has issued consolidated 'Miscellaneous Directions 2025' for NBFCs, effective on the day placed on the RBI website (November 28, 2025). These directions apply layer-wise to specified NBFC categories as per the source, covering governance, conduct, and reporting norms. The directions do not impose",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12931&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/375",
   "title": "RBI Directions for Asset Reconstruction Companies - Credit Information Reporting, 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-375/",
   "products": [],
   "summary": "RBI issues Directions, 2025 for asset reconstruction companies to become members of all CICs, report credit information in standardised formats, safeguard data, and provide customer service.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12929&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/376",
   "title": "RBI Tightens Wilful Defaulter Rules for ARCs",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-376/",
   "products": [],
   "summary": "RBI's new directions require ARCs to report wilful and large defaulters (₹1 crore+ threshold) to credit information companies monthly. This ensures defaulters cannot access fresh institutional finance, closing a regulatory gap.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12928&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/377",
   "title": "RBI KYC Directions for Asset Reconstruction Companies, 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-377/",
   "products": [],
   "summary": "RBI issued comprehensive KYC directions for ARCs effective November 28, 2025, aligning them with PMLA and FATF standards. ARCs must adopt customer acceptance policies, risk management, CDD, record-keeping, and reporting to FIU-IND. Non-compliance invites regulatory action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12927&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/378",
   "title": "RBI Directions for Credit Information Companies",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-378/",
   "products": [],
   "summary": "RBI issues directions for Credit Information Companies (CICs) to strengthen customer service, data submission, and credit information dissemination.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12926&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/97",
   "title": "UNSC Delists Two Individuals from ISIL/Al-Qaida Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2025-26-97/",
   "products": [],
   "summary": "RBI directs all regulated entities to update their records as the UNSC has removed Ahmed al-Sharaa and Anas Hasan Khattab from the ISIL/Al-Qaida sanctions list. Entities must comply with UAPA Section 51A and KYC master direction procedures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12922&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/96",
   "title": "RBI Trade Relief Measures 2025: Moratorium & Export Credit Relief",
   "url": "https://bankpulse.ai/c/rbi-2025-26-96/",
   "products": [],
   "summary": "RBI has issued Trade Relief Measures Directions, 2025, allowing banks to grant a moratorium on term loan instalments and defer working capital interest from Sep 1 to Dec 31, 2025, for eligible export borrowers impacted by global trade disruptions. Interest accrues on simple basis without compounding",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12921&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2025-26/142",
   "title": "RBI Updates Repo Directions to Include Municipal Debt Securities",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2025-26-142/",
   "products": [],
   "summary": "RBI has updated repo directions to include municipal debt securities as eligible securities for repo transactions, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12920&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/95",
   "title": "RBI Revamps Nomination Rules for Deposits and Lockers",
   "url": "https://bankpulse.ai/c/rbi-2025-26-95/",
   "products": [],
   "summary": "RBI has issued new nomination directions effective November 1, 2025, aligning with the Banking Laws (Amendment) Act, 2025. Banks must offer nomination for deposit accounts, lockers, and safe custody articles, and clearly explain benefits to customers. Customers can opt out with a written declaration",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12919&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/94",
   "title": "UAPA Sanctions List Updated: One Entry Amended",
   "url": "https://bankpulse.ai/c/rbi-2025-26-94/",
   "products": [],
   "summary": "RBI mandates all regulated entities to screen accounts against the updated UNSC 1267/1989 ISIL & Al-Qaida sanctions list, following a single entry amendment notified by MEA on October 21, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12918&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/93",
   "title": "UNSC Sanctions List Updated: One Entry Amended",
   "url": "https://bankpulse.ai/c/rbi-2025-26-93/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening databases with the latest UNSC 1267/1989 sanctions list amendment affecting one individual entry, as per circular dated October 23, 2025, referencing UNSC press release of October 16, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12917&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/92",
   "title": "UAPA Sanctions List Updated: Two Terror Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2025-26-92/",
   "products": [],
   "summary": "RBI mandates all regulated entities to update their screening databases with two amended UNSC sanctions list entries (QDi.065 and QDi.187) under Section 51A of UAPA, 1967, effective October 9, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12912&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:54 IST",
   "published_at_iso": "2026-06-19T03:54:00+05:30"
  },
  {
   "ref": "RBI/2025-26/240",
   "title": "RBI Updates Prudential Norms",
   "url": "https://bankpulse.ai/c/rbi-2025-26-240/",
   "products": [],
   "summary": "RBI amends capital adequacy norms for payments banks to align with international standards and provide clarity on counterparty credit risk.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13330&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2022-23/129",
   "title": "NBFC Regulations Update",
   "url": "https://bankpulse.ai/c/rbi-2022-23-129/",
   "products": [],
   "summary": "RBI updates regulations for non-banking financial companies",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12400&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2024-25/14",
   "title": "Kapol Co-operative Bank Removed from RBI Schedule II",
   "url": "https://bankpulse.ai/c/rbi-2024-25-14/",
   "products": [],
   "summary": "RBI has excluded Kapol Co-operative Bank Limited from the Second Schedule of the RBI Act, 1934, effective February 22, 2024. This means the bank loses its scheduled bank status, impacting its access to central bank facilities and regulatory privileges.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12659&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2026-27/109",
   "title": "RBI Allows Banks to Lend to REITs and InvITs",
   "url": "https://bankpulse.ai/c/rbi-2026-27-109/",
   "products": [],
   "summary": "RBI has formally permitted banks to lend to SEBI-registered REITs and InvITs, with specific conditions including board-approved policies, end-use monitoring, and restrictions on refinancing stressed SPVs. Overseas branches can lend under syndication deals if their share is ≤20%.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13478&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2022-23/50",
   "title": "RBI Makes Bank-NBFC Priority Sector Lending Permanent",
   "url": "https://bankpulse.ai/c/rbi-2022-23-50/",
   "products": [],
   "summary": "RBI has permanently allowed commercial banks to lend to NBFCs for priority sector on-lending, removing the March 2022 sunset. Banks face a 5% PSL cap; SFBs get a 10% cap for NBFC-MFIs. This stabilizes a key credit channel.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12317&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2026-27/63",
   "title": "RRBs must factor calamity impact in credit assessments",
   "url": "https://bankpulse.ai/c/rbi-2026-27-63/",
   "products": [],
   "summary": "RBI mandates RRBs to consider calamity effects on borrowers during credit evaluation. Effective July 1, 2026, this amendment adds a new chapter to existing credit risk directions, requiring banks to assess how natural disasters or similar events may affect repayment capacity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13438&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2026-27/62",
   "title": "RRB Calamity Banking Services: New RBI Amendment",
   "url": "https://bankpulse.ai/c/rbi-2026-27-62/",
   "products": [],
   "summary": "RBI has amended RRB Responsible Business Conduct Directions to add a new chapter on banking services during calamities. RRBs can operate from temporary premises, restore ATMs urgently, open small accounts without ID, and waive fees for up to one year. Effective July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13434&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2026-27/20",
   "title": "RBI Adds AgriSURE Fund to Small Finance Banks Undertaking",
   "url": "https://bankpulse.ai/c/rbi-2026-27-20/",
   "products": [],
   "summary": "The RBI has amended the 2025 Small Finance Banks – Undertaking of Financial Services directions by inserting a new AgriSURE fund for start‑ups and rural enterprises. The change is effective immediately and requires banks to update their undertakings accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13389&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/2026-27/32",
   "title": "Urban Cooperative Banks Stressed Assets Resolution Directions Amendment",
   "url": "https://bankpulse.ai/c/rbi-2026-27-32/",
   "products": [],
   "summary": "RBI amends Directions for Urban Cooperative Banks' stressed asset resolution, aligning with Commercial Banks' asset classification and provisioning norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13385&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:48 IST",
   "published_at_iso": "2026-06-19T03:48:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/307",
   "title": "RBI's New Credit Risk Transfer Rules for Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-307/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Rural Cooperative Banks on transferring and distributing credit risk, effective November 28, 2025. These rules govern loan transfers, including stressed loans, and apply only to State and Central Co‑operative Banks as transferors of stressed loans.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12997&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/308",
   "title": "RBI's New Interest Rate Rules for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-308/",
   "products": [],
   "summary": "RBI issued Directions effective November 28, 2025, governing interest rates on advances for Rural Co-operative Banks (StCBs and CCBs). Key changes: monthly rests for most loans, transparency in rate display, and board-approved pricing frameworks. Agricultural advances retain seasonal compounding.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12996&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/309",
   "title": "RBI's New Investment Portfolio Rules for Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-309/",
   "products": [],
   "summary": "RBI issued comprehensive directions on classification, valuation, and operation of investment portfolios for Rural Co-operative Banks (RCBs), effective November 28, 2025. These replace older guidelines, covering board roles, investment categories, valuation norms, and prudential limits.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12995&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/310",
   "title": "RBI Asset Liability Management",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-310/",
   "products": [],
   "summary": "RBI issues new directions for rural co-operative banks on asset liability management, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12994&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/311",
   "title": "RBI Directions for Rural Co-operative Banks - Income Recognition, Asset Classification, and Provisioning",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-311/",
   "products": [],
   "summary": "RBI issues directions for rural co-operative banks to improve income recognition, asset classification, and provisioning norms to enhance transparency and consistency in published accounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12993&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/312",
   "title": "RBI Directions for Rural Co-operative Banks - Resolution of Stressed Assets",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-312/",
   "products": [],
   "summary": "RBI issues directions for rural co-operative banks to resolve stressed assets in a timely manner, rationalize compromise settlements, and prudentially treat government debt relief schemes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12992&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/313",
   "title": "RBI's Wilful Defaulters Framework for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-313/",
   "products": [],
   "summary": "RBI issued directions for Rural Co-operative Banks (RCBs) on treating wilful and large defaulters. RCBs must deny fresh credit to wilful defaulters and associated entities, with a one-year bar on additional credit facilities and a five-year bar on funding new ventures after removal from the defaulte",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12991&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/314",
   "title": "RBI's New Financial Reporting Rules for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-314/",
   "products": [],
   "summary": "RBI issued Directions for Rural Co-operative Banks (RCBs) on financial statement presentation and disclosures, effective November 28, 2025. RCBs must follow updated balance sheet formats per the Banking Regulation Act, comply with ICAI accounting standards, and adhere to specific disclosure and prov",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12990&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/315",
   "title": "RBI's New Dividend Norms for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-315/",
   "products": [],
   "summary": "RBI issued final directions on dividend declaration for Rural Co-operative Banks (RCBs), effective November 28, 2025. Key conditions: CRAR compliance, NNPA ratio ≤5%, CRR/SLR adherence, full provisioning, and dividend from net profit after statutory provisions and loss adjustment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12989&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/316",
   "title": "RBI's New KYC Directions for Rural Co-operative Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-316/",
   "products": [],
   "summary": "RBI issued consolidated KYC directions for Rural Co-operative Banks (StCBs/CCBs) effective Nov 28, 2025, covering customer acceptance, risk management, due diligence, record-keeping, and FIU reporting. These replace earlier circulars and align with PMLA/FATF standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12988&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/370",
   "title": "RBI's New P2P Lending Rules: NBFC-P2P Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-370/",
   "products": [],
   "summary": "RBI issued comprehensive NBFC-P2P Lending Platform Directions 2025, effective the day they are placed on the RBI website. These replace the 2017 framework, covering registration, permissible activities, prudential norms, and governance. NBFC-P2Ps must stay in the Base Layer of SBR and comply with mu",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12934&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/371",
   "title": "RBI Issues Reserve Bank of India (Non-Banking Financial Companies – Microfinance Institution) Directions, 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-371/",
   "products": [],
   "summary": "RBI issues the Reserve Bank of India (Non-Banking Financial Companies – Microfinance Institution) Directions, 2025, covering governance, risk management, prudential regulations, and other provisions for NBFC-MFIs to ensure financial system stability and prevent detrimental conduct.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12933&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:46 IST",
   "published_at_iso": "2026-06-19T03:46:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/386",
   "title": "RBI Digital Banking Rules for Rural Co-op Banks: 2025 Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-386/",
   "products": [],
   "summary": "RBI issued final directions for Rural Co-operative Banks (StCBs/CCBs) to offer digital banking channels from Jan 1, 2026. Banks must have CBS and IPv6-ready IT infrastructure for view-only facilities. Transactional banking requires separate RBI authorisation. Comprehensive policies on liquidity and ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13008&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/298",
   "title": "RBI Directions for Rural Co-operative Banks Governance",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-298/",
   "products": [],
   "summary": "RBI issues directions for rural co-operative banks to enhance governance and ensure high integrity among directors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13006&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/299",
   "title": "RBI's 2025 CRR/SLR Directions for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-299/",
   "products": [],
   "summary": "RBI issued consolidated CRR and SLR directions for Rural Co-operative Banks (StCBs/DCCBs), effective immediately. It defines aggregate deposits, savings bank apportionment, and approved securities. Banks must report CRR via Form B (scheduled banks) or Form I (non-scheduled banks), and SLR via Form I",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13005&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/300",
   "title": "RBI Capital Adequacy Norms for Rural Co-op Banks 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-300/",
   "products": [],
   "summary": "RBI issued updated prudential norms on capital adequacy for Rural Co-operative Banks (RCBs), effective November 28, 2025. The directions cover regulatory capital, risk-weighted assets, and reporting, replacing earlier versions. RCBs must comply immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13004&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/301",
   "title": "RBI's 2025 Deposit Rate Rules for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-301/",
   "products": [],
   "summary": "RBI issued consolidated directions on interest rates for deposits at Rural Co-operative Banks (RCBs), effective November 28, 2025. The framework covers domestic, NRE, and foreign currency deposits, including definitions, penalties, and prohibitions. RCBs must align their policies accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13003&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/302",
   "title": "RBI Directions for Rural Cooperative Banks Credit Facilities",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-302/",
   "products": [],
   "summary": "RBI issues directions for rural cooperative banks to regulate credit facilities, ensuring orderly growth, financial stability, and protection of depositors' and borrowers' interest.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13002&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/285",
   "title": "RBI's New ALM Directions for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-285/",
   "products": [],
   "summary": "RBI issued comprehensive Asset Liability Management Directions for UCBs, effective November 28, 2025. These replace older guidelines, mandating stronger board oversight, liquidity risk management, and interest rate risk frameworks. Level I UCBs (deposits below ₹100 crore with additional conditions l",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13020&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/293",
   "title": "RBI Directions on Managing Risks in Outsourcing for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-293/",
   "products": [],
   "summary": "RBI issues directions to manage risks in outsourcing for Urban Co-operative Banks, with specific provisions for IT outsourcing applicable to Tier-3 and Tier-4 banks. Existing IT outsourcing agreements must comply by April 10, 2026, while new IT outsourcing agreements must comply immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13012&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/303",
   "title": "RBI's New Debit Card Rules for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-303/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Rural Co-operative Banks on debit card issuance and conduct, effective immediately. These cover board-approved policies, co-branding, form factors, and grievance redressal, aiming to standardize operations and enhance customer protection.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13001&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/304",
   "title": "RBI's New Credit Reporting Rules for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-304/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Rural Co-operative Banks (RCBs) on credit information reporting, effective immediately. The rules standardize data submission to Credit Information Companies (CICs), mandate timely reporting, and strengthen customer grievance redressal, including compensation ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13000&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/305",
   "title": "RBI Credit Risk Management Directions for Rural Co-op Banks 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-305/",
   "products": [],
   "summary": "RBI issued consolidated credit risk management directions for Rural Co-operative Banks (StCBs/CCBs), effective immediately from November 28, 2025. The directions cover board-approved policies, statutory restrictions, valuation norms, CERSAI filing, and cash credit/overdraft account maintenance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12999&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:38 IST",
   "published_at_iso": "2026-06-19T03:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/279",
   "title": "RBI's New Credit Reporting Rules for Urban Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-279/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Urban Co-operative Banks on credit information reporting, covering data formats, timelines, customer grievance redressal, and compensation. Effective immediately, these rules standardize how UCBs report to Credit Information Companies, aiming to improve data q",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13026&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/280",
   "title": "RBI's New Credit Risk Rules for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-280/",
   "products": [],
   "summary": "RBI issued comprehensive credit risk management directions for Urban Co-operative Banks (UCBs), effective November 28, 2025. The directions consolidate and update existing guidelines on board-approved policies, statutory restrictions, credit administration, LEI requirements, property valuation, CERS",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13025&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/281",
   "title": "RBI Directions for Urban Co-operative Banks: Concentration Risk Management",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-281/",
   "products": [],
   "summary": "RBI issues directions to urban co-operative banks to manage concentration risk, setting exposure limits and norms for credit and investment exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13024&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/282",
   "title": "UCB Credit Risk Transfer Directions 2025 (November 28, 2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-282/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Urban Co-operative Banks on credit risk transfer and distribution, effective from the date placed on RBI's website (November 28, 2025). UCBs can only transfer stressed loans under Part A, Chapter III, and cannot act as transferees or transferors for other loan",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13023&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/265",
   "title": "RBI Directions for Regional Rural Banks' Financial Statements",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-265/",
   "products": [],
   "summary": "RBI issues directions for Regional Rural Banks to present and disclose financial statements, aligning with Accounting Standards and RBI guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13041&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/283",
   "title": "UCB Lending Rate Directions 2025: Key Changes",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-283/",
   "products": [],
   "summary": "RBI has issued new directions for Urban Co-operative Banks on interest rates for advances, effective immediately. Banks can set rates based on cost and risk but must avoid usury, charge interest monthly (except agricultural loans), and ensure transparency.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13022&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/284",
   "title": "UCB Investment Portfolio Directions 2025: Classification, Valuation & Operations",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-284/",
   "products": [],
   "summary": "RBI issued consolidated directions for UCBs on classifying, valuing, and operating investment portfolios, effective November 28, 2025. Key changes include updated HTM/HFT/AFS rules, valuation norms, and prudential limits on non-SLR securities and broker transactions. Banks must align policies and sy",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13021&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/286",
   "title": "RBI's New IRAC Norms for Urban Co-operative Banks: 2025 Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-286/",
   "products": [],
   "summary": "RBI issued consolidated IRAC norms for Urban Co-operative Banks effective November 28, 2025. These directions cover asset classification, provisioning, and income recognition, replacing earlier guidelines. Banks must align with stricter state laws if applicable and follow stressed asset resolution r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13019&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/287",
   "title": "RBI Directions for Urban Co-operative Banks - Resolution of Stressed Assets",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-287/",
   "products": [],
   "summary": "RBI issues directions for urban co-operative banks to resolve stressed assets, rationalize compromise settlements, and provide a framework for debt relief schemes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13018&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/288",
   "title": "UCB Wilful Defaulters Directions 2025: Key Rules",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-288/",
   "products": [],
   "summary": "RBI issued new directions for Urban Co-operative Banks on classifying and handling wilful and large defaulters, effective immediately. The rules mandate a transparent, natural-justice-based process, restrict further credit to such borrowers, and require reporting to credit information companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13017&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/290",
   "title": "RBI Prudential Norms on Declaration of Dividends for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-290/",
   "products": [],
   "summary": "RBI issues directions for Urban Co-operative Banks to declare dividends prudently, considering capital adequacy, NPA ratio, and other factors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13015&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/291",
   "title": "RBI's New KYC Directions for Urban Co-operative Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-291/",
   "products": [],
   "summary": "RBI issued consolidated KYC directions for Urban Co-operative Banks, effective November 28, 2025, covering customer acceptance, risk management, due diligence, record keeping, and reporting to FIU-India. These replace earlier versions and align with PMLA and FATF standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13014&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:30 IST",
   "published_at_iso": "2026-06-19T03:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/384",
   "title": "RBI's New Digital Banking Rules for RRBs: 2025 Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-384/",
   "products": [],
   "summary": "RBI issued final directions for RRBs on digital banking channels, effective Jan 1, 2026. All RRBs with CBS and IPv6 can offer view-only facilities. Transactional banking requires prior RBI authorization via PRAVAAH. Banks must have comprehensive digital banking policies covering liquidity and operat",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13059&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/250",
   "title": "RBI Updates CRR and SLR Directions for RRBs (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-250/",
   "products": [],
   "summary": "RBI issued consolidated Directions for RRBs on CRR and SLR maintenance, effective immediately. Key updates include definitions of aggregate deposits, apportionment of savings bank accounts, and approved securities for SLR. Banks must report CRR via Form A and SLR via Form VIII.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13056&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/266",
   "title": "RBI's New KYC Directions for Regional Rural Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-266/",
   "products": [],
   "summary": "RBI issued consolidated KYC Directions for Regional Rural Banks (RRBs) effective November 28, 2025, replacing earlier circulars. The directions align RRBs with AML/CFT standards under PMLA, covering customer acceptance, risk management, due diligence, and reporting. Banks must update policies and sy",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13040&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/267",
   "title": "RRB Responsible Business Conduct Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-267/",
   "products": [],
   "summary": "RBI consolidated all customer service and conduct rules for Regional Rural Banks into one master direction effective November 28, 2025. It covers institutional framework, customer protection, financial inclusion, lending conduct, and deposit services. RRBs must align policies immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13039&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/268",
   "title": "RBI's New RRB Directions: Key Compliance and Governance Rules",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-268/",
   "products": [],
   "summary": "RBI issued consolidated 'Miscellaneous' Directions for Regional Rural Banks (RRBs) and sponsor banks, effective immediately. The directions cover board-approved policies, depositor education fund rules, KYC camps, FATCA compliance, prohibitions on deposits from private financiers, training, mandator",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13038&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/385",
   "title": "RBI's New Digital Banking Rules for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-385/",
   "products": [],
   "summary": "RBI issued final directions for UCBs on digital banking channels, effective January 1, 2026. All UCBs with CBS and IPv6 can offer view-only facilities; transactional banking needs prior RBI approval. Banks must have board-approved policies covering liquidity and operational risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13034&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/273",
   "title": "RBI's New Governance Directions for Urban Co-operative Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-273/",
   "products": [],
   "summary": "RBI has issued the Urban Co-operative Banks (Governance) Directions, 2025, effective immediately. Key changes include mandatory professional directors (at least two) on UCB boards, stricter director eligibility criteria, and enhanced board committee requirements. This aims to strengthen governance a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13032&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/274",
   "title": "RBI Directions for Urban Co-operative Banks - CRR and SLR",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-274/",
   "products": [],
   "summary": "RBI issues updated directions for Urban Co-operative Banks on Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) maintenance, effective immediately (issued November 28, 2025, updated as on June 8, 2026).",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13031&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/275",
   "title": "RBI Updates Capital Adequacy Norms for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-275/",
   "products": [],
   "summary": "RBI issued updated prudential norms on capital adequacy for Urban Co-operative Banks (UCBs), effective November 28, 2025. Key changes include revised minimum net worth requirements: ₹2 crore for single-district Tier-1 UCBs and ₹5 crore for all others, with phased compliance for those below threshold",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13030&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/276",
   "title": "RBI's 2025 Deposit Rate Directions for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-276/",
   "products": [],
   "summary": "RBI issued consolidated directions on interest rates for deposits at Urban Co-operative Banks, effective November 28, 2025. The framework covers domestic, NRE, and foreign currency deposits, including definitions for bulk deposits and alternative reference rates. Banks must align policies accordingl",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13029&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/277",
   "title": "RBI Directions for Urban Co-operative Banks - Credit Facilities",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-277/",
   "products": [],
   "summary": "RBI issues comprehensive directions for urban co-operative banks on credit facilities, covering digital lending, gold and silver collateral, microfinance, project finance, housing finance, export credit, and more.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13028&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/278",
   "title": "UCB Credit & Debit Card Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-278/",
   "products": [],
   "summary": "RBI has issued comprehensive directions for Urban Co-operative Banks on issuing and managing credit and debit cards, effective immediately from November 28, 2025. These cover card conduct, co-branding, and form factors, aligning UCBs with broader card regulations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13027&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:26 IST",
   "published_at_iso": "2026-06-19T03:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/226",
   "title": "RBI's New CRR and SLR Directions for Local Area Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-226/",
   "products": [],
   "summary": "RBI issued consolidated directions for Local Area Banks on CRR and SLR maintenance, effective immediately from the notification date (November 28, 2025). These cover computation, reporting via Form A and Form VIII, eligible SLR securities, and penalties. The Directions do not prescribe new CRR or SL",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13081&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/227",
   "title": "RBI's New Capital Adequacy Norms for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-227/",
   "products": [],
   "summary": "RBI issued fresh capital adequacy directions for Local Area Banks (LABs), effective immediately upon issuance on November 28, 2025. The rules cover minimum regulatory capital, Tier 1 and Tier 2 definitions, deductions, and risk-weighted asset calculations for credit, market, and interest rate risks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13080&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/228",
   "title": "RBI Directions on Interest Rates for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-228/",
   "products": [],
   "summary": "RBI issues directions for Local Area Banks to follow while formulating interest rate policies on deposits, effective from the day they are placed on the RBI official website.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13079&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/229",
   "title": "RBI's New Credit Facility Directions for Local Area Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-229/",
   "products": [],
   "summary": "RBI issued consolidated credit facility directions for Local Area Banks (LABs), covering digital lending, gold loans, microfinance, real estate, and non-fund based facilities. Effective immediately, these replace earlier instructions and aim to standardize practices while ensuring customer protectio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13078&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/230",
   "title": "RBI Directions for Local Area Banks - Debit Cards Issuance and Conduct",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-230/",
   "products": [],
   "summary": "RBI issues directions for local area banks on debit card issuance, conduct, and co-branding arrangements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13077&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/231",
   "title": "RBI's New Credit Reporting Rules for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-231/",
   "products": [],
   "summary": "RBI issued directions for Local Area Banks (LABs) on credit information reporting, mandating membership in all four CICs, capping one-time fees at ₹10,000 each, and standardizing data formats, timelines, and grievance redressal under the Integrated Ombudsman Scheme.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13076&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/232",
   "title": "RBI's New Credit Risk Management Rules for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-232/",
   "products": [],
   "summary": "RBI issued consolidated credit risk management directions for Local Area Banks (LABs), effective immediately. The rules cover board-approved policies, statutory restrictions, UFCE, LEI for borrowers, valuer empanelment, CERSAI filings, and cash credit/overdraft account maintenance. Banks must align ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13075&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/238",
   "title": "LAB IRAC Norms 2025: New RBI Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-238/",
   "products": [],
   "summary": "RBI issued consolidated IRAC norms for Local Area Banks effective Nov 28, 2025. Key changes include updated NPA definitions, provisioning rules, and disclosure requirements. Banks must align policies immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13069&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/239",
   "title": "LAB Stressed Asset Resolution Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-239/",
   "products": [],
   "summary": "RBI issued new directions for Local Area Banks on early stress recognition, time-bound resolution, compromise settlements, and technical write-offs. It also sets principles for participation in state government debt relief schemes to maintain credit discipline.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13068&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/240",
   "title": "RBI's Wilful Defaulter Rules for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-240/",
   "products": [],
   "summary": "RBI issued new directions for Local Area Banks on classifying and reporting wilful and large defaulters, effective immediately. The rules mandate transparent procedures, credit information sharing, and restrictions on further lending to such defaulters.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13067&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/241",
   "title": "RBI's New Financial Reporting Rules for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-241/",
   "products": [],
   "summary": "RBI issued Directions for Local Area Banks (LABs) on financial statement presentation and disclosures, effective November 28, 2025. These replace older guidelines, mandating balance sheet formats per the Banking Regulation Act's Third Schedule and compliance with updated Accounting Standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13066&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/242",
   "title": "RBI Directs Local Area Banks on Dividend Declaration Norms",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-242/",
   "products": [],
   "summary": "RBI sets new dividend declaration norms for Local Area Banks, focusing on capital adequacy, non-performing assets, and provisioning.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13065&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:18 IST",
   "published_at_iso": "2026-06-19T03:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/215",
   "title": "RBI Issues Asset Liability Management Directions for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-215/",
   "products": [],
   "summary": "RBI has issued comprehensive Asset Liability Management (ALM) Directions for Payments Banks, effective from the date of issue, November 28, 2025. These directions cover liquidity risk management, interest rate risk management, board responsibilities, and regulatory reporting, replacing earlier guide",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13093&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/216",
   "title": "RBI's New Financial Reporting Rules for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-216/",
   "products": [],
   "summary": "RBI issued Directions on financial statement presentation and disclosures for Payments Banks, effective immediately from the date of issuance (November 28, 2025). Banks must follow prescribed balance sheet and P&L formats, comply with Accounting Standards, and meet enhanced disclosure requirements. ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13092&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/217",
   "title": "RBI Directions on Prudential Norms for Payments Banks' Dividend Declaration",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-217/",
   "products": [],
   "summary": "RBI issues directions for Payments Banks to follow prudential norms while declaring dividends, ensuring minimum capital adequacy and non-performing asset ratios.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13091&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/218",
   "title": "RBI's New KYC Directions for Payments Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-218/",
   "products": [],
   "summary": "RBI issued consolidated KYC directions for Payments Banks effective November 28, 2025, covering customer acceptance, due diligence, risk management, and reporting. These replace older circulars and align with PMLA and FATF standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13090&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/219",
   "title": "RBI Payments Banks Responsible Business Conduct Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-219/",
   "products": [],
   "summary": "RBI consolidated all customer service and conduct rules for Payments Banks into one master direction effective November 28, 2025. It covers institutional framework, customer protection, financial inclusion, and deposit/remittance services. Banks must align policies immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13089&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/220",
   "title": "RBI's New Outsourcing Risk Rules for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-220/",
   "products": [],
   "summary": "RBI issued comprehensive directions for Payments Banks to manage risks in outsourcing financial and IT services, effective immediately. Existing IT contracts must comply by April 10, 2026, or at renewal. Banks need board-approved policies, robust risk management, and strict oversight of service prov",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13088&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/221",
   "title": "RBI Payments Banks Miscellaneous Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-221/",
   "products": [],
   "summary": "RBI issued consolidated directions for Payments Banks covering board oversight, deposits, compliance, and prohibitions. Effective immediately, these replace earlier circulars and aim to streamline regulatory expectations for PBs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13087&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/222",
   "title": "RBI Directions on Local Area Banks - Acquisition and Holding of Shares",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-222/",
   "products": [],
   "summary": "RBI issues directions to ensure diversified ownership and control of banking companies, with fit and proper criteria for major shareholders of local area banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13086&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/223",
   "title": "RBI issues voluntary amalgamation rules for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-223/",
   "products": [],
   "summary": "RBI has issued the Reserve Bank of India (Local Area Banks – Voluntary Amalgamation) Directions, 2025, effective immediately. These directions govern voluntary mergers involving LABs, including with other LABs, banking companies (excluding foreign banks), and NBFCs, outlining board approval, shareho",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13085&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/383",
   "title": "RBI Digital Banking Rules for Local Area Banks: 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-383/",
   "products": [],
   "summary": "RBI issued final directions for Local Area Banks on digital banking channel authorisation, effective January 1, 2026. Banks must have CBS and IPv6-ready IT infrastructure to offer view-only digital banking. Transactional facilities require separate RBI approval.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13083&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/225",
   "title": "RBI's New Governance Rules for Local Area Banks (2025)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-225/",
   "products": [],
   "summary": "RBI issued the Local Area Banks (Governance) Directions, 2025, effective immediately. These rules mandate stricter board constitution, director appointment due diligence, and enhanced oversight via committees like NRC and Audit Committee. Banks must comply with new fit-and-proper criteria and remune",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13082&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:07 IST",
   "published_at_iso": "2026-06-19T03:07:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/194",
   "title": "RBI's New ALM Directions for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-194/",
   "products": [],
   "summary": "RBI issued comprehensive Asset Liability Management (ALM) directions for Small Finance Banks, covering liquidity risk, LCR, NSFR, and interest rate risk. Effective immediately, these replace older guidelines and mandate stricter board oversight, stress testing, and reporting. Banks must align polici",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13115&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/205",
   "title": "Payments Banks Shareholding Rules 2025: Fit & Proper Norms",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-205/",
   "products": [],
   "summary": "RBI issued new Directions for Payments Banks on acquiring and holding shares/voting rights, effective Nov 28, 2025. These replace older guidelines, mandate prior approval for acquisitions, and require continuous monitoring to ensure major shareholders remain 'fit and proper'.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13104&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/207",
   "title": "Payments Banks Branch Authorisation Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-207/",
   "products": [],
   "summary": "RBI has issued consolidated branch authorisation directions for Payments Banks, effective immediately. The framework covers banking outlet definitions, board roles, BC model guidelines, doorstep banking norms, and reporting requirements. All Payments Banks must align with these updated rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13102&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/382",
   "title": "Payments Banks Digital Channels Authorisation Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-382/",
   "products": [],
   "summary": "RBI issued final directions for Payments Banks to offer digital banking channels (view-only and transactional) from Jan 1, 2026. Banks must have CBS and IPv6-ready IT infrastructure for view-only services. New entrants must notify RBI via PRAVAAH portal.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13101&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/208",
   "title": "RBI Payments Banks Financial Services Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-208/",
   "products": [],
   "summary": "RBI issued consolidated directions for Payments Banks undertaking financial services, effective immediately. The rules cover agency business, referral services, and board oversight, replacing earlier fragmented circulars. Banks must comply with updated definitions and procedural requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13100&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/209",
   "title": "RBI Issues New Governance Directions for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-209/",
   "products": [],
   "summary": "RBI has issued the Payments Banks Governance Directions 2025, effective immediately, covering board constitution, director appointments, risk management roles, and remuneration norms. Non-scheduled payments banks get partial exemptions on CRO, CFO, and CTO appointments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13099&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/143",
   "title": "RBI Temporarily Lifts Interest Rate Ceilings for Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-143/",
   "products": [],
   "summary": "RBI has temporarily lifted interest rate ceilings for rural co-operative banks on fresh FCNR(B) deposits and NRE deposits until September 30, 2026.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13514&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/210",
   "title": "Payments Banks CRR/SLR Directions 2025: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-210/",
   "products": [],
   "summary": "RBI issued consolidated directions for Payments Banks on CRR and SLR maintenance, effective November 28, 2025. These cover definitions, computation methods, reporting via Form A and Form VIII, and penalties. Banks must follow the new apportionment rules for savings bank deposits into demand and time",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13098&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/211",
   "title": "RBI Directions on Capital Adequacy for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-211/",
   "products": [],
   "summary": "RBI issues directions on capital adequacy for payments banks, effective immediately upon issuance, to ensure stability and soundness of these banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13097&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/212",
   "title": "RBI Issues New Interest Rate Directions for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-212/",
   "products": [],
   "summary": "RBI has issued the Payments Banks – Interest Rate on Deposits Directions, 2025, effective November 28, 2025. These directions set a comprehensive framework for payments banks to formulate interest rate policies on domestic rupee deposits, including savings and current accounts, under Section 35A of ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13096&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/213",
   "title": "RBI Debit Card Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-213/",
   "products": [],
   "summary": "RBI issues directions for payments banks on debit card issuance and conduct, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13095&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/214",
   "title": "RBI Directions on Investment Portfolio for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-214/",
   "products": [],
   "summary": "RBI issues directions for Payments Banks on classification, valuation, and operation of investment portfolio to ensure prudent risk management and regulatory compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13094&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 03:02 IST",
   "published_at_iso": "2026-06-19T03:02:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/161",
   "title": "RBI's 2025 Lending Rate Directions: Key Changes for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-161/",
   "products": [],
   "summary": "RBI issued consolidated directions on commercial bank lending rates, effective immediately. Key changes include a clear external benchmark framework, updated definitions, and a mandate for board-approved pricing policies. Banks must align loan pricing with specified benchmarks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13149&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/162",
   "title": "RBI Directions on Investment Portfolio for Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-162/",
   "products": [],
   "summary": "RBI issues updated directions on investment portfolio classification, valuation, and operation for commercial banks, effective from November 28, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13148&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/163",
   "title": "RBI Directions on Asset Liability Management for Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-163/",
   "products": [],
   "summary": "RBI issues new directions on asset liability management for commercial banks (excluding Small Finance Banks, Payment Banks, and Local Area Banks), effective November 28, 2025, emphasizing liquidity risk management, intraday liquidity, and interest rate risk management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13147&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/195",
   "title": "RBI (Small Finance Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-195/",
   "products": [],
   "summary": "RBI issues new Directions for small finance banks on income recognition, asset classification, and provisioning to ensure consistency and transparency in their financial reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13114&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/196",
   "title": "RBI Directions for Small Finance Banks - Resolution of Stressed Assets",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-196/",
   "products": [],
   "summary": "RBI issues directions for small finance banks to resolve stressed assets in a time-bound manner, including early identification, reporting, and resolution processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13113&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/197",
   "title": "SFB Wilful Defaulter Rules 2025: RBI's New Framework",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-197/",
   "products": [],
   "summary": "RBI issued new directions for Small Finance Banks on classifying and reporting wilful defaulters and large defaulters, effective immediately. The rules mandate transparent procedures, board oversight, and credit information sharing to prevent further financing to such entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13112&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/198",
   "title": "SFB Financial Statement Directions 2025: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-198/",
   "products": [],
   "summary": "RBI issued new directions for Small Finance Banks on financial statement presentation and disclosures, effective November 28, 2025. These replace older guidelines, mandating compliance with updated formats, accounting standards, and disclosure norms to enhance transparency and uniformity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13111&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/199",
   "title": "RBI Dividend Norms for Small Finance Banks 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-199/",
   "products": [],
   "summary": "RBI issued final directions for SFBs on dividend declaration, effective immediately. Key eligibility: minimum 9% CRAR for two preceding years and the current year, and NNPA ratio below 7%. Board must consider capital adequacy, NPA divergences, and auditor qualifications.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13110&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/200",
   "title": "RBI Know Your Customer Directions for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-200/",
   "products": [],
   "summary": "RBI issues updated Know Your Customer (KYC) directions for Small Finance Banks to prevent money laundering and ensure financial system integrity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13109&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/201",
   "title": "RBI's Responsible Business Conduct Directions for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-201/",
   "products": [],
   "summary": "RBI consolidated all customer service and conduct rules for Small Finance Banks into one master direction effective November 28, 2025. It covers institutional framework, customer protection, financial inclusion, responsible lending, and deposit services. Banks must align policies immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13108&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/202",
   "title": "SFB Outsourcing Risk Directions 2025: Key Compliance Steps",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-202/",
   "products": [],
   "summary": "RBI issued new outsourcing risk management directions for Small Finance Banks, effective immediately. Existing IT outsourcing agreements must comply by April 10, 2026, or upon renewal. Banks must strengthen board oversight, risk evaluation, and service provider monitoring.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13107&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/203",
   "title": "New RBI Directions on Climate Finance for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-203/",
   "products": [],
   "summary": "The RBI has issued fresh guidelines, effective immediately, that require all Small Finance Banks to adopt board‑approved policies for green deposits, publish them online, verify projects independently, and embed climate‑risk assessment into their existing risk frameworks while ensuring transparent r",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13106&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:54 IST",
   "published_at_iso": "2026-06-19T02:54:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/150",
   "title": "RBI Updates CRR and SLR Directions for Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-150/",
   "products": [],
   "summary": "RBI issued consolidated CRR and SLR Directions, 2025, effective immediately for commercial banks. Key changes include updated definitions for aggregate deposits and approved securities, and revised procedures for apportioning savings bank deposits into demand and time liabilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13160&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/2026-27/139",
   "title": "RBI Temporarily Withdraws Interest Rate Ceiling for SFBs",
   "url": "https://bankpulse.ai/c/rbi-2026-27-139/",
   "products": [],
   "summary": "RBI temporarily withdraws interest rate ceiling for fresh FCNR(B) deposits and NRE deposits of 3 years and above tenors for SFBs till September 30, 2026.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13510&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/99",
   "title": "KYC Compliance for Authorised Persons",
   "url": "https://bankpulse.ai/c/rbi-2025-26-99/",
   "products": [],
   "summary": "RBI issues new guidelines for KYC compliance, effective immediately, for Authorised Persons regulated by the Department of Regulation and those not regulated by it.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13169&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/151",
   "title": "RBI's 2025 Capital Adequacy Directions: Key Updates for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-151/",
   "products": [],
   "summary": "RBI issued consolidated prudential norms on capital adequacy for commercial banks, effective November 28, 2025. The directions cover regulatory capital, risk-weighted assets, capital buffers, leverage ratio, and stress testing. Banks must align policies and reporting immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13159&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/153",
   "title": "RBI Deposit Interest Rate Directions 2025: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-153/",
   "products": [],
   "summary": "RBI has issued consolidated Directions on interest rates for commercial bank deposits, effective from the date placed on RBI website (November 28, 2025). This replaces previous circulars and covers domestic rupee, NRE, and foreign currency deposits. Banks must align their policies with the new frame",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13157&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/154",
   "title": "Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-154/",
   "products": [],
   "summary": "RBI updates consolidated directions on credit facilities for commercial banks, covering digital lending, gold and silver collateral, gold metal loans, microfinance, project finance, real estate, infrastructure, bill discounting, acquisition finance, overseas investments, loans against financial asse",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13156&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/155",
   "title": "RBI's New Credit & Debit Card Conduct Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-155/",
   "products": [],
   "summary": "RBI issued consolidated directions for commercial banks on credit/debit card issuance and conduct, effective immediately. Covers co-branding, APR disclosure, add-on cards, and business cards. Banks must align policies with these rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13155&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/156",
   "title": "RBI's New Credit Information Reporting Directions for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-156/",
   "products": [],
   "summary": "RBI issued the Credit Information Reporting Directions, 2025, effective November 28, 2025, for commercial banks. It standardizes credit data reporting, enhances data quality, strengthens customer grievance redressal, and mandates compensation for errors. Banks must comply as per the specified timeli",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13154&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/157",
   "title": "RBI Credit Risk Management Directions 2025: Key Updates",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-157/",
   "products": [],
   "summary": "RBI has consolidated and updated credit risk management rules for commercial banks, effective immediately upon issuance on November 28, 2025. The directions cover board-approved policies, credit evaluation, statutory restrictions, and new chapters on cash credit/overdraft accounts and loan system fo",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13153&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/158",
   "title": "RBI's New Concentration Risk Management Directions for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-158/",
   "products": [],
   "summary": "RBI issued consolidated Directions on concentration risk management for commercial banks, effective November 28, 2025. The framework covers large exposures, intra-group transactions, country risk, and inter-bank liabilities, aligning with Basel standards.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13152&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/159",
   "title": "RBI Directions on Credit Risk Transfer and Distribution",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-159/",
   "products": [],
   "summary": "RBI issues comprehensive guidelines for credit risk transfer and distribution by commercial banks, with Part B (Co-Lending Arrangements) effective from January 1, 2026, or earlier per bank policy, and other parts effective from November 28, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13151&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/160",
   "title": "RBI's 2025 Securitisation Directions: Key Changes for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-160/",
   "products": [],
   "summary": "RBI issued comprehensive securitisation directions effective November 28, 2025, covering eligibility, minimum retention, STC criteria, capital requirements, and investor due diligence. Banks must comply with new rules on retained exposures, credit enhancements, and disclosure norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13150&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:42 IST",
   "published_at_iso": "2026-06-19T02:42:00+05:30"
  },
  {
   "ref": "RBI/2025-26/104",
   "title": "RBI Updates BSBD Account Rules for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-104/",
   "products": [],
   "summary": "RBI has amended the Responsible Business Conduct Directions for Small Finance Banks, revising Basic Savings Bank Deposit (BSBD) account rules. Effective April 1, 2026, these accounts must offer free core services with no minimum balance, including unlimited deposits, ATM cards, cheque books, and dig",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13174&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/2025-26/103",
   "title": "RBI Revamps BSBD Account Rules: Free Digital Transactions & More",
   "url": "https://bankpulse.ai/c/rbi-2025-26-103/",
   "products": [],
   "summary": "RBI has amended the Responsible Business Conduct Directions to overhaul Basic Savings Bank Deposit (BSBD) accounts. From April 1, 2026, banks must offer free digital transactions (UPI, NEFT, RTGS, etc.) without counting them as withdrawals, provide at least 25 cheque leaves yearly, and ensure no min",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13173&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/2025-26/102",
   "title": "Liberalised Remittance Scheme (LRS) Daily Return Submission",
   "url": "https://bankpulse.ai/c/rbi-2025-26-102/",
   "products": [],
   "summary": "RBI mandates LRS daily return submission by Category-II banks/entities and FFMCs from January 1, 2026, via CIMS.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13172&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/2025-26/101",
   "title": "RBI Replaces 2016 KYC Master Direction for Payment Systems",
   "url": "https://bankpulse.ai/c/rbi-2025-26-101/",
   "products": [],
   "summary": "RBI has repealed the 2016 KYC Master Direction for payment systems, replacing all references with the new 'RBI (Commercial Banks – KYC) Directions, 2025'. This applies to PPIs and payment aggregators immediately, aligning their KYC/AML/CFT norms with the updated commercial bank framework.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13171&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/2025-26/100",
   "title": "RBI Consolidates Regulations",
   "url": "https://bankpulse.ai/c/rbi-2025-26-100/",
   "products": [],
   "summary": "RBI withdraws 9445 circulars, replacing them with 244 Master Directions for easier reference and compliance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13170&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/143",
   "title": "RBI's 2025 Universal Bank Licensing Guidelines: Key Takeaways",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-143/",
   "products": [],
   "summary": "RBI released updated 'on tap' licensing guidelines for universal banks in the private sector, replacing the 2016 framework. The guidelines cover eligibility, capital requirements, corporate governance, and procedures for new applicants and small finance banks transitioning to universal banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13168&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/144",
   "title": "Setting Up Wholly Owned Subsidiaries by Foreign Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-144/",
   "products": [],
   "summary": "Foreign banks can operate in India through a wholly owned subsidiary (WOS) or branch mode, with single-mode presence criterion.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13167&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/145",
   "title": "RBI Directions on Acquisition and Holding of Shares or Voting Rights",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-145/",
   "products": [],
   "summary": "RBI issues directions to ensure diversified ownership and control of commercial banking companies, with fit and proper criteria for major shareholders, excluding Small Finance Banks, Payment Banks, Local Area Banks, and foreign banks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13166&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/147",
   "title": "RBI's 2025 Branch Authorisation Directions: Key Changes for Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-147/",
   "products": [],
   "summary": "RBI has issued consolidated Branch Authorisation Directions 2025, replacing older circulars. The new rules cover banking outlets, DBUs, BCs, doorstep banking, and reporting. Banks must align board-approved policies and reporting systems immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13164&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/380",
   "title": "RBI Digital Banking Channels Authorisation Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-380/",
   "products": [],
   "summary": "RBI issued final directions for commercial banks on digital banking channels, effective January 1, 2026. Banks must have comprehensive policies, meet eligibility criteria for view-only and transactional facilities, and comply with prudential and technological guidelines. This replaces earlier circul",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13163&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/148",
   "title": "RBI Directions for Commercial Banks - Undertaking of Financial Services",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-148/",
   "products": [],
   "summary": "RBI issues updated directions for commercial banks to regulate their financial services, including equipment leasing, factoring, and insurance business.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13162&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/149",
   "title": "RBI's New Governance Directions for Commercial Banks 2025",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-149/",
   "products": [],
   "summary": "RBI issued consolidated governance directions for commercial banks, covering board structure, key appointments, and fit-and-proper criteria. Effective immediately, these rules apply to PSBs, PVBs, and foreign banks, with specific chapters for each. Non-scheduled banks get limited exemptions on CRO a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13161&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:27 IST",
   "published_at_iso": "2026-06-19T02:27:00+05:30"
  },
  {
   "ref": "RBI/2025-26/149",
   "title": "SFB CRR/SLR Fortnight Definition Changed to Calendar Dates",
   "url": "https://bankpulse.ai/c/rbi-2025-26-149/",
   "products": [],
   "summary": "From December 15, 2025, SFBs must align CRR/SLR maintenance and reporting with a new fortnight definition: 1st-15th and 16th-last day of each month. Single Form A replaces provisional/final returns, submitted electronically via CIMS with digital signatures. Transition period December 13-15, 2025, re",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13225&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/114",
   "title": "UCB Credit Reporting: New Timelines & CKYC Mandate",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-114/",
   "products": [],
   "summary": "RBI mandates UCBs to submit credit data to CICs on 9th, 16th, 23rd, and month-end, with full file by 5th of next month. Incremental accounts due within 4 days. CKYC number reporting is now mandatory. Effective July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13184&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/113",
   "title": "RRB Credit Reporting: New Timelines & CKYC Mandate",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-113/",
   "products": [],
   "summary": "RBI mandates RRBs to submit credit data to CICs on 9th, 16th, 23rd, and month-end from July 1, 2026. Full files due by 5th of next month; incremental data within 4 days. CKYC number reporting also required.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13183&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/112",
   "title": "LABs must report credit data weekly from July 2026",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-112/",
   "products": [],
   "summary": "From July 1, 2026, Local Area Banks must submit credit information to CICs on four fixed reference dates per month, with full-file reporting by the 5th of the next month and incremental updates within 4 calendar days.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13182&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/111",
   "title": "Amended Credit Info Reporting Rules for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-111/",
   "products": [],
   "summary": "From July 1 2026, Small Finance Banks must send credit data to CICs on the 9th, 16th, 23rd and month‑end, with a full file by the 5th of the next month. Incremental updates are due within four days of each reference date, and CKYC numbers must be reported when available.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13181&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/110",
   "title": "RBI Tightens Credit Data Reporting Timelines and CKYC Norms",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-110/",
   "products": [],
   "summary": "RBI has amended credit information reporting directions, effective July 1, 2026. Banks must now submit full data by 5th of next month and incremental data within 4 days of reference dates. CKYC number reporting is mandatory where available. Non-adherence will be reported to RBI's supervision departm",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13180&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/109",
   "title": "RBI Updates BSBD Account Rules for Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-109/",
   "products": [],
   "summary": "RBI has amended the Responsible Business Conduct Directions for Rural Co-operative Banks, mandating Basic Savings Bank Deposit accounts with no minimum balance, no limit on number and value of deposits per month, and at least four free monthly withdrawals (including ATM transactions), effective Apri",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13179&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/108",
   "title": "RBI Updates BSBD Account Rules for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-108/",
   "products": [],
   "summary": "RBI has issued final BSBD account directions for UCBs, effective April 1, 2026. Key changes include free basic facilities (offered upon customer request for ATM card, cheque book, digital banking), no minimum balance, no limit on number and value of deposits per month, and digital payment transactio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13178&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/107",
   "title": "RBI Updates BSBD Account Rules for RRBs: Key Changes",
   "url": "https://bankpulse.ai/c/rbi-2025-26-107/",
   "products": [],
   "summary": "RBI has amended the Responsible Business Conduct Directions for RRBs, revising Basic Savings Bank Deposit (BSBD) account rules. Effective April 1, 2026, RRBs must offer free minimum facilities, including unlimited deposits, ATM cards, cheque books, and digital banking, with no minimum balance requir",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13177&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/106",
   "title": "RBI Amends BSBD Account Directions for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-106/",
   "products": [],
   "summary": "RBI issues amendment directions for Local Area Banks (LABs) to enhance BSBD account facilities and improve customer service.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13176&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/119",
   "title": "RBI Tightens CIC Data Submission Norms: Weekly Incremental Reporting from July 2026",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-119/",
   "products": [],
   "summary": "From July 1, 2026, credit institutions must submit incremental account data to CICs within 4 days of weekly reference dates (9th, 16th, 23rd) and full files by the 5th of next month. CICs must report non-compliant lenders to RBI via DAKSH every half-year.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13189&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/105",
   "title": "Payments Banks BSBD Account Rules Revised",
   "url": "https://bankpulse.ai/c/rbi-2025-26-105/",
   "products": [],
   "summary": "RBI has finalized BSBD account rules for Payments Banks, effective April 1, 2026. Key changes: free basic facilities, no minimum balance, unlimited deposits, 4 free withdrawals/month, and digital payments not counted as withdrawals.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13175&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:17 IST",
   "published_at_iso": "2026-06-19T02:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/156",
   "title": "CTS Phase 2 Postponed, Session Timings Revised",
   "url": "https://bankpulse.ai/c/rbi-2025-26-156/",
   "products": [],
   "summary": "RBI has postponed Phase 2 of continuous clearing and settlement in Cheque Truncation System until further notice, and revised presentation session timing to 9 AM–3 PM and confirmation session to 9 AM–7 PM.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13232&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/152",
   "title": "RBI Amends CRR and SLR for Local Area Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-152/",
   "products": [],
   "summary": "RBI amends CRR and SLR for Local Area Banks, revising fortnight definition and reporting requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13229&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/154",
   "title": "Rural Co-op Banks: CRR-SLR Fortnight Definition Changed",
   "url": "https://bankpulse.ai/c/rbi-2025-26-154/",
   "products": [],
   "summary": "From Dec 15, 2025 (with some provisions effective Dec 12, 2025), the CRR/SLR fortnight for rural co-op banks shifts from a Saturday-to-second-Friday cycle to calendar halves (1st-15th and 16th-last day). Reporting forms are revised, and provisional/final/special Form B returns are replaced with a si",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13228&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/151",
   "title": "RRB CRR/SLR Fortnight Definition Aligned with Banking Laws Amendment",
   "url": "https://bankpulse.ai/c/rbi-2025-26-151/",
   "products": [],
   "summary": "From Dec 15, 2025, RRBs must define 'fortnight' as 1st-15th or 16th-last day of month for CRR/SLR. Single Form A replaces provisional/final returns; reporting shifts to CIMS portal with digital signatures. Monthly Form VIII also due from Dec 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13227&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/150",
   "title": "Payments Banks CRR-SLR Amendment: New Fortnight Definition from Dec 15",
   "url": "https://bankpulse.ai/c/rbi-2025-26-150/",
   "products": [],
   "summary": "From December 15, 2025, the fortnight for CRR/SLR maintenance shifts from Saturday-to-second-Friday to 1st-15th and 16th-last day of each month. Single Form A replaces provisional/final returns. Reporting deadlines and return formats change accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13226&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/143",
   "title": "RBI Tightens Current Account Rules for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-143/",
   "products": [],
   "summary": "RBI has amended Payments Banks Directions to restrict current accounts for customers with banking system exposure of ₹10 crore or more to collection accounts only, with funds remitted within two working days to a designated account.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13222&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/147",
   "title": "RBI Tightens Rules for Cash Credit, Current, and Overdraft Accounts at Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-147/",
   "products": [],
   "summary": "RBI has amended its Credit Risk Management Directions for Rural Co-operative Banks, introducing a new framework for Cash Credit, Current, and Overdraft accounts. For customers with aggregate banking system exposure of ₹10 crore or more, a bank may maintain current or overdraft accounts only if it ho",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13221&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/120",
   "title": "RBI Repeals Urban Co-operative Banks Guidelines",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-120/",
   "products": [],
   "summary": "RBI has repealed the Urban Co-operative Banks Licensing, Scheduling and Regulatory Classification Guidelines, 2025 (issued November 28, 2025), replacing them with new guidelines effective December 04, 2025.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13191&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/123",
   "title": "RBI Directives for Rural Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-123/",
   "products": [],
   "summary": "RBI issues directives for rural co-operative banks to display their full name and for StCBs to adhere to certain norms for inclusion in the Second Schedule to the Reserve Bank of India Act, 1934.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13190&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/118",
   "title": "RBI Tightens ARC Credit Reporting: New Timelines & CKYC Mandate",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-118/",
   "products": [],
   "summary": "RBI amends ARC credit reporting directions, effective July 1, 2026. ARCs must submit full files by 5th of next month and incremental data within 4 days of reference dates. CKYC number reporting is now mandatory. Rejected data must be rectified before next submission.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13188&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/117",
   "title": "RBI Tightens NBFC Credit Reporting Timelines and CKYC Norms",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-117/",
   "products": [],
   "summary": "RBI has amended NBFC credit information reporting directions, effective July 1, 2026. Key changes: weekly data submission (9th, 16th, 23rd, month-end), incremental reporting for mid-month dates, mandatory CKYC number reporting, and stricter rejected data rectification timelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13187&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/116",
   "title": "RBI Tightens Credit Data Reporting for AIFIs: New Timelines & CKYC Mandate",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-116/",
   "products": [],
   "summary": "RBI has amended credit information reporting directions for All India Financial Institutions (AIFIs), mandating weekly data submissions (9th, 16th, 23rd, month-end) with incremental files due within 4 days, full file by 5th of next month, and CKYC number reporting. Effective July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13186&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:10 IST",
   "published_at_iso": "2026-06-19T02:10:00+05:30"
  },
  {
   "ref": "RBI/2025-26/167",
   "title": "RBI Amends Bank Financial Disclosure Rules for CRM",
   "url": "https://bankpulse.ai/c/rbi-2025-26-167/",
   "products": [],
   "summary": "RBI now requires banks to disclose in Schedule 1 any portion of Section 11(2) deposits earmarked as Credit Risk Mitigation for non-centrally cleared derivative exposures to Head Office. This aligns with new Concentration Risk Management directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13243&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/166",
   "title": "CKYCR KYC Upload Responsibility Clarified",
   "url": "https://bankpulse.ai/c/rbi-2025-26-166/",
   "products": [],
   "summary": "RBI clarifies that the RE which last uploaded/updated a customer's KYC records in CKYCR is responsible for verifying identity/address. Banks downloading current compliant records from CKYCR need not re-verify identity/address but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13242&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/165",
   "title": "UCB KYC Amendment: CKYCR Uploader Bears Verification Responsibility",
   "url": "https://bankpulse.ai/c/rbi-2025-26-165/",
   "products": [],
   "summary": "RBI clarifies that the Urban Co-operative Bank which last uploaded or updated a customer's KYC records to CKYCR is solely responsible for verifying identity/address. Downloading banks can rely on those records without re-verifying, but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13241&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/164",
   "title": "SFB KYC Amendment: CKYCR Upload Responsibility Clarified",
   "url": "https://bankpulse.ai/c/rbi-2025-26-164/",
   "products": [],
   "summary": "RBI clarifies that the SFB which last uploaded or updated a customer's KYC records to CKYCR is responsible for verifying identity/address. Other banks downloading and relying on current records need not re-verify identity/address but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13240&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/163",
   "title": "RCB KYC Amendment: CKYCR Uploader Bears Verification Responsibility",
   "url": "https://bankpulse.ai/c/rbi-2025-26-163/",
   "products": [],
   "summary": "RBI clarifies that the rural co-operative bank which last uploaded or updated a customer's KYC records in CKYCR is responsible for verifying identity/address. Other banks downloading and relying on those records need not re-verify, but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13239&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/162",
   "title": "RBI Know Your Customer Amendment Directions 2025 for Regional Rural Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-162/",
   "products": [],
   "summary": "RBI amends KYC Directions for Regional Rural Banks to clarify responsibility of entities uploading customer records to and downloading from CKYCR, based on an office memorandum from the Department of Revenue, Govt of India.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13238&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/161",
   "title": "Payments Banks KYC Amendment: CKYCR Responsibility Clarified",
   "url": "https://bankpulse.ai/c/rbi-2025-26-161/",
   "products": [],
   "summary": "RBI clarifies that the payments bank which last uploaded or updated a customer's KYC records in CKYCR is responsible for verifying identity/address. Other banks downloading those records need not re-verify, but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13237&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13513&amp;Mode=0",
   "title": "RBI Amends UCB Deposit Interest Rate Directions (June 17, 2026)",
   "url": "https://bankpulse.ai/c/rbi-doc-13513/",
   "products": [],
   "summary": "RBI has issued amendment directions for Urban Co-operative Banks on deposit interest rates, effective June 17, 2026. The changes temporarily withdraw interest rate ceiling on fresh FCNR(B) deposits of 3-5 year tenors and restriction on NRE deposits of 3 year and above tenors until September 30, 2026",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13513&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/159",
   "title": "RBI Amends KYC Directions",
   "url": "https://bankpulse.ai/c/rbi-2025-26-159/",
   "products": [],
   "summary": "RBI amends Know Your Customer directions for local area banks, clarifying responsibility for uploading and downloading customer records from the Central KYC Records Registry.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13235&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/158",
   "title": "ARC KYC Amendment: CKYCR Uploader Holds Verification Responsibility",
   "url": "https://bankpulse.ai/c/rbi-2025-26-158/",
   "products": [],
   "summary": "RBI clarifies that the entity which last uploaded/updated a customer's KYC records to CKYCR is responsible for verifying identity/address. ARCs downloading current records from CKYCR need not re-verify those details, but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13234&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/157",
   "title": "CKYCR KYC Upload Responsibility Clarified for AIFIs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-157/",
   "products": [],
   "summary": "RBI clarifies that the AIFI which last uploaded/updated KYC records to CKYCR is responsible for verifying customer identity/address. Other AIFIs downloading current records need not re-verify, but remain liable for all other CDD aspects.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13233&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 02:02 IST",
   "published_at_iso": "2026-06-19T02:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/212",
   "title": "RBI Tightens Capital Market Exposure Norms for Banks (Amendment Directions, 2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-212/",
   "products": [],
   "summary": "RBI amends Concentration Risk Management Directions, 2026, aligning definitions with new Credit Facilities Directions and expanding capital market exposure (CME) scope to include non-debt mutual funds, AIFs, REITs, InvITs, and acquisition finance. Banks must update internal policies and exposure lim",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13296&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/173",
   "title": "RBI Tightens Related Party Lending Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-173/",
   "products": [],
   "summary": "RBI has amended credit risk management directions, introducing formal definitions for related parties, directors, and KMPs. Banks must now use a dedicated committee for related party loans and follow stricter lending rules, impacting compliance and credit risk frameworks.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13249&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/172",
   "title": "PPI Returns Move to RBI's CIMS Portal from Jan 2026",
   "url": "https://bankpulse.ai/c/rbi-2025-26-172/",
   "products": [],
   "summary": "RBI has mandated PPI issuers to submit monthly statistics and quarterly grievance returns on the new Centralised Information Management System (CIMS) portal starting December 2025 reporting period. Admin users must create login credentials for submitters. Deadlines: monthly by 7th, quarterly by 10th",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13248&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/171",
   "title": "White Label ATM Operators: CIMS Reporting for WLA Statistics",
   "url": "https://bankpulse.ai/c/rbi-2025-26-171/",
   "products": [],
   "summary": "White Label ATM Operators must submit WLA Statistics return in CIMS from December 2025 onwards, following RBI's new reporting guidelines.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13247&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/170",
   "title": "MTSS Business Returns Now on CIMS Portal",
   "url": "https://bankpulse.ai/c/rbi-2025-26-170/",
   "products": [],
   "summary": "RBI has moved MTSS Business (R103) monthly return filing to the new CIMS portal from December 2025. Admin users must create login credentials for submitters. Returns are due by the 7th of the following month; non-compliance invites penal action.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13246&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/181",
   "title": "RBI mandates related party exposure disclosure in bank financials",
   "url": "https://bankpulse.ai/c/rbi-2025-26-181/",
   "products": [],
   "summary": "From April 1, 2026, banks must disclose loans and contracts with related parties in a new table under Notes to Accounts. This follows the Credit Risk Management Directions and aims to enhance transparency on connected lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13257&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/169",
   "title": "RBI eases concentration norms for high-quality infra projects",
   "url": "https://bankpulse.ai/c/rbi-2025-26-169/",
   "products": [],
   "summary": "RBI has amended concentration risk directions for NBFCs, allowing certain infrastructure loans to be classified as 'high-quality infrastructure projects' with relaxed exposure limits, applicable when the NBFC decides to implement the RBI (NBFC – Prudential Norms on Capital Adequacy) Amendment Direct",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13245&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/168",
   "title": "NBFC Capital Adequacy: New Risk Weights for High-Quality Infrastructure Loans",
   "url": "https://bankpulse.ai/c/rbi-2025-26-168/",
   "products": [],
   "summary": "RBI has amended NBFC capital adequacy norms, introducing lower risk weights (75% and 50%) for loans to high-quality infrastructure projects, conditional on borrower repayment of at least 2% or 5% of sanctioned project debt. Effective April 1, 2026, with transition relief for existing exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13244&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:53 IST",
   "published_at_iso": "2026-06-19T01:53:00+05:30"
  },
  {
   "ref": "RBI/2025-26/208",
   "title": "RBI Amends Income Recognition Rules",
   "url": "https://bankpulse.ai/c/rbi-2025-26-208/",
   "products": [],
   "summary": "RBI updates income recognition rules for rural co-operative banks, allowing accrual basis without matching provisions for standard advances.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13292&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/185",
   "title": "RBI Updates Disclosure Rules",
   "url": "https://bankpulse.ai/c/rbi-2025-26-185/",
   "products": [],
   "summary": "RBI amends financial statement disclosure rules for urban co-operative banks, effective April 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13261&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/184",
   "title": "RRB Financial Disclosure Amendment: Related Party Exposures",
   "url": "https://bankpulse.ai/c/rbi-2025-26-184/",
   "products": [],
   "summary": "RBI mandates RRBs to disclose related party loan exposures and contracts in financial statements from April 1, 2026, aligning with new credit risk management rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13260&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/183",
   "title": "LABs must disclose related party exposures from April 2026",
   "url": "https://bankpulse.ai/c/rbi-2025-26-183/",
   "products": [],
   "summary": "RBI mandates Local Area Banks to disclose loans and contracts with related parties in financial statements from April 1, 2026. This follows new credit risk management rules and aims to enhance transparency on connected lending.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13259&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/182",
   "title": "SFB Financial Disclosure: Related Party Exposure Norms",
   "url": "https://bankpulse.ai/c/rbi-2025-26-182/",
   "products": [],
   "summary": "RBI mandates Small Finance Banks to disclose related party exposures in financial statements from April 1, 2026. Banks must report loans, contracts, and provisions for related parties in a prescribed table format.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13258&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/180",
   "title": "Amendment Directions for Credit Risk Management",
   "url": "https://bankpulse.ai/c/rbi-2025-26-180/",
   "products": [],
   "summary": "RBI issues amendment directions for credit risk management for All India Financial Institutions (AIFIs), focusing on related party lending definitions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13256&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/179",
   "title": "NBFC Credit Risk Management: Related Party Lending Rules Tightened (Amendment Directions, 2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-179/",
   "products": [],
   "summary": "RBI has amended NBFC Credit Risk Management Directions, 2025 via Amendment Directions, 2026, introducing stricter definitions and rules for related party lending. Key changes include a dedicated committee for related party loans, expanded definitions of related parties, and exclusion of personal loa",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13255&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/178",
   "title": "RBI Amends Credit Risk Rules for Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-178/",
   "products": [],
   "summary": "RBI has amended the Credit Risk Management Directions for Rural Co-operative Banks, introducing new definitions for related parties, control, and key managerial personnel to tighten lending norms and governance.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13254&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/177",
   "title": "UCB Credit Risk Management: Related Party Definitions Expanded",
   "url": "https://bankpulse.ai/c/rbi-2025-26-177/",
   "products": [],
   "summary": "RBI has amended the UCB Credit Risk Management Directions to insert detailed definitions for related party, control, promoter, KMP, and related lending. These changes tighten the regulatory framework for credit exposure to connected entities, requiring UCBs to update their policies and monitoring sy",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13253&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/176",
   "title": "RRB Credit Risk: Related Party Lending Norms Tightened",
   "url": "https://bankpulse.ai/c/rbi-2025-26-176/",
   "products": [],
   "summary": "RBI has amended RRB credit risk directions, inserting detailed definitions for related parties, directors, KMPs, and lending to related parties. Banks must now form a Board committee (excluding Audit Committee) to sanction such loans, aligning with Companies Act and IBC definitions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13252&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/175",
   "title": "RBI Amends Local Area Banks Credit Risk Management Directions",
   "url": "https://bankpulse.ai/c/rbi-2025-26-175/",
   "products": [],
   "summary": "RBI issues amendment directions to enhance credit risk management for local area banks, focusing on related party lending and definitions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13251&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/174",
   "title": "SFB Related Party Lending Rules Tightened",
   "url": "https://bankpulse.ai/c/rbi-2025-26-174/",
   "products": [],
   "summary": "RBI has amended Small Finance Bank credit risk directions, introducing detailed definitions for related parties, lending, and control. Banks must now set up a Board committee for related party loan sanctions and follow stricter identification norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13250&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:46 IST",
   "published_at_iso": "2026-06-19T01:46:00+05:30"
  },
  {
   "ref": "RBI/2025-26/226",
   "title": "NBFC Capital Adequacy: Revised Treatment of Quarterly Profits",
   "url": "https://bankpulse.ai/c/rbi-2025-26-226/",
   "products": [],
   "summary": "The RBI has amended the NBFC capital adequacy directions to clarify that free reserves now include quarterly profits, provided the statements undergo a limited audit and the profit is reduced by 25% of the average dividend paid over the past three years. Current‑year losses are fully deducted. The c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13311&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/222",
   "title": "Unique Transaction Identifier for OTC Derivative Transactions",
   "url": "https://bankpulse.ai/c/rbi-2025-26-222/",
   "products": [],
   "summary": "RBI mandates Unique Transaction Identifier (UTI) for OTC derivative transactions under specified Governing Directions to enhance market transparency and regulatory oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13307&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/221",
   "title": "RBI Notifies Final ECB & INR Borrowing Rules",
   "url": "https://bankpulse.ai/c/rbi-2025-26-221/",
   "products": [],
   "summary": "RBI has notified the final Foreign Exchange Management (Borrowing and Lending) (First Amendment) Regulations, 2026, consolidating ECB and INR borrowing rules. Authorised Dealer banks must follow the amended regulations and note that earlier master direction paragraphs and FAQs on these topics stand ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13305&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/220",
   "title": "Lead Bank Assignment for New Haryana District",
   "url": "https://bankpulse.ai/c/rbi-2025-26-220/",
   "products": [],
   "summary": "RBI assigns Punjab National Bank as Lead Bank for Hansi district in Haryana.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13304&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/219",
   "title": "SFB Capital Market Exposure Disclosure Norms Updated",
   "url": "https://bankpulse.ai/c/rbi-2025-26-219/",
   "products": [],
   "summary": "RBI has amended SFB financial disclosure directions, replacing the old capital market exposure reporting (sub-paragraph 10(5)(ii)) with a detailed 10-item table. This aligns with the Reserve Bank of India (Small Finance Banks – Credit Facilities) Amendment Directions, 2026. Banks must adopt from the",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13303&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/218",
   "title": "SFB Capital Adequacy: Irrevocable Payment Commitments",
   "url": "https://bankpulse.ai/c/rbi-2025-26-218/",
   "products": [],
   "summary": "RBI now requires Small Finance Banks to hold capital at 125% risk weight on irrevocable payment commitments to stock exchange clearing corporations, treating them as capital market exposure. This aligns with recent credit facility amendments and takes effect from April 1, 2026, or earlier if banks a",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13302&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/216",
   "title": "RBI Amends Directions for Small Finance Banks - Credit Facilities (Amendment Directions, 2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-216/",
   "products": [],
   "summary": "RBI issues Amendment Directions for Small Finance Banks to modify existing credit facilities, including definitions of collateral security, capital market intermediaries, and eligible securities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13300&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/214",
   "title": "RBI revamps capital market exposure disclosure norms for banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-214/",
   "products": [],
   "summary": "RBI has replaced the old capital market exposure disclosure table with a more detailed format, effective from the date a bank decides to implement the provisions of the Reserve Bank of India (Commercial Banks – Credit Facilities) Amendment Directions, 2026 or April 1, 2026, whichever is earlier. Ban",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13298&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/211",
   "title": "RBI Amends Credit Facility Definitions for Banks (Amendment Directions, 2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-211/",
   "products": [],
   "summary": "RBI has updated the Credit Facilities Directions, 2025, adding new definitions for Acquisition Finance, Bridge Finance, and Collateral Security, and expanding Eligible Securities to include REITs, InvITs, and listed debt rated BBB or higher. Banks must align lending policies accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13297&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/213",
   "title": "Capital Adequacy: New Norms for Irrevocable Payment Commitments to Clearing Corporations",
   "url": "https://bankpulse.ai/c/rbi-2025-26-213/",
   "products": [],
   "summary": "RBI now requires banks to hold capital at 125% risk weight on irrevocable payment commitments to stock exchange clearing corporations, treating them as capital market exposure with 100% CCF, effective from implementation of Credit Facilities Amendment or April 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13295&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/210",
   "title": "RBI Allows DLG in ECL Provisioning for NBFCs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-210/",
   "products": [],
   "summary": "RBI now permits NBFCs to factor Default Loss Guarantee (DLG) into Expected Credit Loss (ECL) provisions for digital lending and co-lending portfolios, aligning with IndAS. This replaces earlier synthetic securitisation treatment, requiring recalculation after each DLG invocation.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13294&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/2025-26/209",
   "title": "RBI Amends NBFC Credit Facilities Directions, 2026",
   "url": "https://bankpulse.ai/c/rbi-2025-26-209/",
   "products": [],
   "summary": "RBI has amended the NBFC Credit Facilities Directions to align asset classification and provisioning requirements with the Income Recognition, Asset Classification, and Provisioning Directions, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13293&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:38 IST",
   "published_at_iso": "2026-06-19T01:38:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/235",
   "title": "RBI Repeals 2025 Dividend Norms for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-235/",
   "products": [],
   "summary": "RBI has repealed the 2025 dividend directions for Small Finance Banks, replacing them with new 2026 directions effective FY 2026-27. Existing actions under the old rules remain valid. Banks must now follow the updated prudential norms for dividend declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13322&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/388",
   "title": "RBI's 2026 Dividend Norms for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-388/",
   "products": [],
   "summary": "RBI has issued final directions for Payments Banks on declaring dividends, effective FY 2026-27. Key conditions: positive adjusted PAT, compliance with capital requirements post-dividend, and dividend capped at 75% of PAT or a percentage of adjusted PAT based on Tier 1 capital ratio.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13321&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/234",
   "title": "RBI Repeals 2025 Dividend Norms, Issues New 2026 Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-234/",
   "products": [],
   "summary": "RBI has repealed the 2025 dividend directions for commercial banks and replaced them with new 2026 directions, effective FY 2026-27. All prior approvals and actions under the old rules remain valid.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13320&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/387",
   "title": "RBI's 2026 Dividend Norms: Tougher Eligibility for Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-387/",
   "products": [],
   "summary": "RBI has tightened dividend payout rules for commercial banks from FY 2026-27. Banks must deduct 50% of Net NPA (as on March 31 of the relevant year) from PAT to calculate adjusted PAT, meet stricter capital compliance, and have board oversight on asset quality divergences. Foreign banks face similar",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13319&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/232",
   "title": "RBI clarifies Tier 1 capital components for SPDs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-232/",
   "products": [],
   "summary": "RBI has amended the Standalone Primary Dealers Directions to clarify that Tier 1 capital includes paid-up capital, statutory reserves, disclosed free reserves, and quarterly profits subject to limited review and dividend adjustment. Losses and certain deductions are specified.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13317&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/231",
   "title": "ARC Owned Fund computation: quarterly profits inclusion clarified",
   "url": "https://bankpulse.ai/c/rbi-2025-26-231/",
   "products": [],
   "summary": "RBI has amended the ARC Master Direction to clarify how quarterly profits are counted in Owned Fund. Profits must be limited-review audited, reduced by average dividends of last three years, and current year losses fully deducted.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13316&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/230",
   "title": "RBI clarifies Owned Fund and Tier 1 capital for MGCs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-230/",
   "products": [],
   "summary": "RBI has amended Mortgage Guarantee Company Directions to clarify Owned Fund components, including quarterly profits, and to specify that Tier 1 capital for concentration norms must be from latest audited or reviewed financials. ROU assets for tangible leases are not required to be deducted from Owne",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13315&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/229",
   "title": "RBI Clarifies Owned Fund Computation for CICs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-229/",
   "products": [],
   "summary": "RBI has amended the CIC Master Direction to clarify that quarterly profits can be included in Owned Fund, subject to limited review and a dividend adjustment formula. Right-of-Use assets under Ind AS 116 are no longer deducted if the underlying asset is tangible.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13314&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/228",
   "title": "RBI clarifies Owned Fund computation for HFCs",
   "url": "https://bankpulse.ai/c/rbi-2025-26-228/",
   "products": [],
   "summary": "RBI has amended the HFC Master Directions to clarify that Owned Fund includes quarterly profits (subject to limited review and dividend adjustment) and excludes ROU assets for tangible leases. This standardizes capital computation for housing finance companies.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13313&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/227",
   "title": "RBI Amends Concentration Risk Management Directions for NBFCs (Second Amendment, 2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-227/",
   "products": [],
   "summary": "RBI amends concentration risk management directions for NBFCs to review Tier 1 capital definition and introduce external auditor's certificate requirement.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13312&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/225",
   "title": "RBI Updates UNSC Sanctions List: Delisting of AL-NUSRAH FRONT FOR THE PEOPLE OF THE LEVANT",
   "url": "https://bankpulse.ai/c/rbi-2025-26-225/",
   "products": [],
   "summary": "RBI informs banks about UNSC delisting of AL-NUSRAH FRONT FOR THE PEOPLE OF THE LEVANT from the ISIL (Da'esh) and Al-Qaida Sanctions List, impacting banks' customer due diligence and reporting obligations under Section 51A of UAPA, 1967.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13310&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/2025-26/223",
   "title": "RBI revamps ECB reporting forms under FEMA",
   "url": "https://bankpulse.ai/c/rbi-2025-26-223/",
   "products": [],
   "summary": "RBI has revised ECB reporting forms (ECB 1 and ECB 2) effective immediately, aligning them with the updated ECB Framework under the Foreign Exchange Management (Borrowing and Lending) (First Amendment) Regulations, 2026. Authorised persons must use the new formats from Annex I and Annex II of this c",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13308&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:30 IST",
   "published_at_iso": "2026-06-19T01:30:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/247",
   "title": "RBI Amends RRB Financial Statements",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-247/",
   "products": [],
   "summary": "RBI amends financial statement presentation for Regional Rural Banks, effective April 1, 2026, to include DICGC insurance premium payment disclosures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13335&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/244",
   "title": "SFB DICGC Premium Disclosure Rules Updated",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-244/",
   "products": [],
   "summary": "RBI has amended SFB financial disclosure rules to require annual reporting of DICGC insurance premium payment status, including any arrears, effective April 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13334&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/243",
   "title": "DICGC Premium Disclosure Mandate in Annual Reports",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-243/",
   "products": [],
   "summary": "Banks must now disclose in annual reports whether DICGC deposit insurance premium was paid on time. If paid late, that must also be disclosed. Effective April 1, 2026, this amends the Financial Statements Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13333&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/241",
   "title": "AIFI Capital Adequacy: CCR Norms Aligned with Global Standards",
   "url": "https://bankpulse.ai/c/rbi-2025-26-241/",
   "products": [],
   "summary": "RBI has amended AIFI capital adequacy directions to align counterparty credit risk (CCR) treatment with international standards. Key changes include revised add-on factors for market-related off-balance sheet items, clarified consolidation scope, and updated QCCP trade exposure risk weights.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13331&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/239",
   "title": "SFB Capital Adequacy: Counterparty Credit Risk Norms Updated",
   "url": "https://bankpulse.ai/c/rbi-2025-26-239/",
   "products": [],
   "summary": "RBI has revised add-on factors for counterparty credit risk (CCR) on market-related off-balance sheet items for Small Finance Banks, aligning with international standards. The changes take effect immediately from March 10, 2026, and include new maturity-based tables and clarifications on clearing me",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13329&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/391",
   "title": "RBI's New Dividend Norms for Small Finance Banks (2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-391/",
   "products": [],
   "summary": "RBI has issued final directions for SFBs on dividend declaration, effective FY 2026-27. Key changes: dividend eligibility now hinges on adjusted PAT (PAT minus 50% of Net NPA), a tiered dividend limit based on Tier 1 Capital Ratio (as % of adjusted PAT) with an overall cap of 75% of PAT, and mandato",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13328&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/390",
   "title": "RBI Prudential Norms on Regional Rural Banks' Dividend Declaration",
   "url": "https://bankpulse.ai/c/rbi-2025-26-390/",
   "products": [],
   "summary": "RBI introduces new prudential norms for Regional Rural Banks' dividend declaration, effective FY 2026-27, with eligibility criteria including regulatory capital compliance, positive adjusted PAT, and dividend limits based on Tier 1 Capital Ratio and adjusted PAT.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13327&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/238",
   "title": "RBI Clarifies Counterparty Credit Risk Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-238/",
   "products": [],
   "summary": "RBI amends capital adequacy directions to align CCR treatment with international standards. Key changes include revised add-on factors for market-related off-balance sheet items, clearer consolidation rules, and specific risk weights for QCCP exposures. Effective from March 10, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13326&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/237",
   "title": "RBI Repeals LAB Dividend Norms, Issues Fresh Directions for FY26-27",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-237/",
   "products": [],
   "summary": "RBI has repealed the 2025 dividend norms for Local Area Banks and issued fresh Directions effective FY 2026-27. All prior approvals and actions under the old rules remain valid. Banks must now comply with the new 2026 Directions for dividend declarations.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13325&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2025-26/389",
   "title": "RBI's New Dividend Norms for Local Area Banks (2026)",
   "url": "https://bankpulse.ai/c/rbi-2025-26-389/",
   "products": [],
   "summary": "RBI has issued final directions on dividend declaration for Local Area Banks, effective FY 2026-27. Dividends are capped at a percentage of adjusted PAT (PAT minus 50% of Net NPA) per CRAR-based table, not exceeding 80% of PAT. Eligibility is tied to capital adequacy, positive adjusted PAT, and boar",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13324&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/246",
   "title": "Local Area Banks Must Disclose DICGC Premium Payments in Annual Report",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-246/",
   "products": [],
   "summary": "From April 1 2026, every Local Area Bank must state in its annual report whether the deposit insurance premium to DICGC was paid on time, and if any payment was delayed, the arrears must also be disclosed.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13338&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/236",
   "title": "RBI Replaces Payment Banks Dividend Norms with New Directions, 2026",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-236/",
   "products": [],
   "summary": "RBI repeals 2025 dividend norms for payment banks, replacing them with new 2026 norms effective FY 2026-27.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13323&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:24 IST",
   "published_at_iso": "2026-06-19T01:24:00+05:30"
  },
  {
   "ref": "RBI/2026-2027/11",
   "title": "NBFC Branch Authorisation Amendment 2026: Operational Flexibility",
   "url": "https://bankpulse.ai/c/rbi-2026-2027-11/",
   "products": [],
   "summary": "RBI has amended NBFC Branch Authorisation Directions 2025 to provide operational flexibility. Most NBFCs can now open branches without prior RBI approval, except deposit-taking NBFCs which have conditions based on net owned fund and credit rating.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13370&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/DCM/2026-27/394",
   "title": "Master Direction on Counterfeit Notes Detection and Reporting",
   "url": "https://bankpulse.ai/c/rbi-dcm-2026-27-394/",
   "products": [],
   "summary": "RBI has consolidated all existing guidelines on counterfeit notes into a single Master Direction, effective April 1, 2026. Banks must impound all counterfeit notes, issue receipts to tenderers, and report data to RBI, NCRB, and FIU-IND. Non-compliance invites penalties.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13361&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/DCM/2026-27/393",
   "title": "Master Direction on Incentives and Penalties for Currency Operations",
   "url": "https://bankpulse.ai/c/rbi-dcm-2026-27-393/",
   "products": [],
   "summary": "RBI issues guidelines for incentives and penalties to enhance currency management efficiency and customer service.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13360&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2026-27/02",
   "title": "New FEMA Guarantee Reporting Forms and Timelines",
   "url": "https://bankpulse.ai/c/rbi-2026-27-02/",
   "products": [],
   "summary": "RBI has introduced three new forms (GRN Issue, Modification, Invocation) for reporting guarantees under FEMA 8 (R). Banks must submit these returns via CIMS within 30 calendar days after each quarter. Late fees apply only for delayed invocation reports.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13358&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2026-27/01",
   "title": "UAPA Sanctions Update: New ISIL/Al-Qaida Listing",
   "url": "https://bankpulse.ai/c/rbi-2026-27-01/",
   "products": [],
   "summary": "RBI mandates immediate freeze on accounts linked to newly listed Ugandan national Hamidah Nabagala under UNSC sanctions. All regulated entities must check existing accounts and block any transactions involving this individual.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13357&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/264",
   "title": "SBI gets lead bank role for Goa's new Kushavati district",
   "url": "https://bankpulse.ai/c/rbi-2025-26-264/",
   "products": [],
   "summary": "RBI assigns State Bank of India as lead bank for Goa's newly formed Kushavati district, effective March 30, 2026. No changes to lead banks for other Goa districts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13356&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/263",
   "title": "Reserve Bank of India (Trade Relief Measures) Directions, 2026",
   "url": "https://bankpulse.ai/c/rbi-2025-26-263/",
   "products": [],
   "summary": "RBI issues directions to provide relief to exporters by extending credit tenor and allowing liquidation of packing credit facilities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13355&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/261",
   "title": "SFB Capital Adequacy: Irrevocable Payment Commitments Treated as CME",
   "url": "https://bankpulse.ai/c/rbi-2025-26-261/",
   "products": [],
   "summary": "RBI now requires Small Finance Banks to treat irrevocable payment commitments to clearing corporations as capital market exposure with 125% risk weight, effective July 1, 2026 or earlier implementation date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13353&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/258",
   "title": "RBI Updates Guidelines on Acquisition & Securities‑Backed Lending",
   "url": "https://bankpulse.ai/c/rbi-2025-26-258/",
   "products": [],
   "summary": "The RBI has revised the commercial‑bank guidelines to allow acquisition and bridge financing for promoters of new firms, and to permit loans to individuals secured by eligible securities. The changes take effect when banks adopt the related credit‑facility amendment or by 1 July 2026, whichever is e",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13350&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/255",
   "title": "RBI Tightens Capital Market Exposure Norms for Banks",
   "url": "https://bankpulse.ai/c/rbi-2025-26-255/",
   "products": [],
   "summary": "RBI amended Concentration Risk Management Directions consequent to the issuance of revised Credit Facilities Directions. Key changes include new definitions (Acquisition Finance, Bridge Finance, CMIs, Collateral, Non-debt Mutual Funds, Primary Security) and a new comprehensive list of capital market",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13347&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2025-26/254",
   "title": "RBI Revamps Credit Facility Rules: New Definitions & Margin Norms",
   "url": "https://bankpulse.ai/c/rbi-2025-26-254/",
   "products": [],
   "summary": "RBI has issued revised Amendment Directions for commercial banks' credit facilities, introducing new definitions for Acquisition Finance, Bridge Finance, and Eligible Securities, and clarifying collateral and margin requirements. Banks must update their credit policies and risk management frameworks",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13346&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/DOR/2025-26/245",
   "title": "Payments Banks: DICGC Premium Disclosure Rules Updated",
   "url": "https://bankpulse.ai/c/rbi-dor-2025-26-245/",
   "products": [],
   "summary": "RBI has amended payments banks' financial disclosure rules to require annual reporting of DICGC insurance premium payments and any arrears, effective April 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13336&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:17 IST",
   "published_at_iso": "2026-06-19T01:17:00+05:30"
  },
  {
   "ref": "RBI/2026-27/14",
   "title": "RBI curbs related-party FX derivatives with INR",
   "url": "https://bankpulse.ai/c/rbi-2026-27-14/",
   "products": [],
   "summary": "RBI has withdrawn its April 1, 2026 circular and now prohibits authorised dealers from entering into any INR foreign exchange derivative contracts with related parties, except for rollovers/cancellations and back-to-back deals with non-related non-resident users. Effective immediately from the date ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13373&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/12",
   "title": "UAPA Section 51A: UNSC Taliban Sanctions List Updated – 4 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2026-27-12/",
   "products": [],
   "summary": "RBI mandates immediate compliance with UNSC 1988 Taliban Sanctions List amendments. Four entries updated (TAi.002, TAi.024, TAi.026, TAi.147); regulated entities must freeze assets and block accounts of newly listed or amended individuals/entities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13371&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/10",
   "title": "RBI Updates Master Direction on NRI Debt Investments",
   "url": "https://bankpulse.ai/c/rbi-2026-27-10/",
   "products": [],
   "summary": "RBI has consolidated and updated the Master Direction on non-resident investment in debt instruments, covering NRI investments and collateral rules. AD Category-I banks must circulate this to customers. No new policy changes; it's a compilation of existing instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13369&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/09",
   "title": "Lead Bank Assignment for New Districts in Andhra Pradesh",
   "url": "https://bankpulse.ai/c/rbi-2026-27-09/",
   "products": [],
   "summary": "RBI assigns Union Bank of India as Lead Bank for the new districts Polavaram and Markapuram in Andhra Pradesh.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13368&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62953",
   "title": "June 17, 2026 Treasury Bill Auction – Full Results",
   "url": "https://bankpulse.ai/c/rbi-doc-62953/",
   "products": [],
   "summary": "On June 17, 2026 the RBI auctioned ₹12,000 cr of 91‑day, ₹6,000 cr of 182‑day and ₹6,000 cr of 364‑day T‑Bills. Competitive demand far outstripped supply, with bids of ₹32,155.700 cr, ₹13,949.650 cr and ₹31,465.000 cr respectively. Yields settled between 5.2603% and 5.7887%, while non‑competitive bi",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62953",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/27",
   "title": "RBI Updates Concentration Risk",
   "url": "https://bankpulse.ai/c/rbi-2026-27-27/",
   "products": [],
   "summary": "RBI amends concentration risk management directions for commercial banks, effective April 1, 2027.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13380&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/FMRD/2024-25/127",
   "title": "NDS-OM Access Criteria Master Direction 2025",
   "url": "https://bankpulse.ai/c/rbi-fmrd-2024-25-127/",
   "products": [],
   "summary": "RBI has updated access criteria for NDS-OM, effective February 7, 2025. All eligible G-sec investors can now access via direct, indirect, or stock broker connect. Key definitions and eligibility remain aligned with existing rules.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13376&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/13",
   "title": "Amendment of 3 Entries to UNSC's 1988 (2011) Taliban Sanctions List",
   "url": "https://bankpulse.ai/c/rbi-2026-27-13/",
   "products": [],
   "summary": "RBI directs regulated entities to ensure no accounts are held in the names of 2 individuals and 1 entity newly amended on the UNSC's 1988 (2011) Taliban Sanctions List.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13372&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/08",
   "title": "RBI mandates faster cross-border inward payment crediting",
   "url": "https://bankpulse.ai/c/rbi-2026-27-08/",
   "products": [],
   "summary": "RBI has directed banks to credit cross-border inward payments on the same business day during forex market hours, reconcile nostro accounts hourly, and notify customers immediately upon receipt, effective October 9, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13367&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/07",
   "title": "FPI Debt Investment Limits for FY 2026-27",
   "url": "https://bankpulse.ai/c/rbi-2026-27-07/",
   "products": [],
   "summary": "RBI has kept FPI investment limits unchanged at 6% (G-Secs), 2% (SGSs), and 15% (corporate bonds) of outstanding stock for FY 2026-27. The General and Long-term sub-category allocation for G-Secs remains 50:50. Voluntary Retention Route investments now fall under General Route limits from April 1, 2",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13366&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/06",
   "title": "FRSB 2020 (Taxable) Operational Guidelines Revised",
   "url": "https://bankpulse.ai/c/rbi-2026-27-06/",
   "products": [],
   "summary": "RBI has revised operational guidelines for Floating Rate Savings Bonds, 2020 (Taxable), effective April 2, 2026. These supersede the 2020 guidelines. Receiving Offices must follow updated procedures for issuance, servicing, and reporting.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13365&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/DCM/2026-27/395",
   "title": "Master Direction on Note and Coin Exchange Services",
   "url": "https://bankpulse.ai/c/rbi-dcm-2026-27-395/",
   "products": [],
   "summary": "RBI has consolidated all guidelines on note and coin exchange into a single Master Direction. Banks must provide exchange services to all public, not just customers, and ensure ATMs are well-stocked. Small Finance Banks (up to two years from commencement of banking business) and Payment Banks may ex",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13362&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:10 IST",
   "published_at_iso": "2026-06-19T01:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/35",
   "title": "RBI's 7th Amendment to Bank Financial Statement Directions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-35/",
   "products": [],
   "summary": "RBI updated financial statement presentation rules for commercial banks, aligning with new asset classification directions. Key changes include separate disclosure of Stage 1 and 2 provisions, revised interest income computation for certain assets, and auditor qualification exemption for Stage 3 inc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13393&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/33",
   "title": "RBI Aligns Capital Adequacy Norms with New Asset Classification Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-33/",
   "products": [],
   "summary": "RBI has amended capital adequacy directions to align Stage 1/2/3 definitions with the new Asset Classification Directions, 2026. General provisions on standard assets (Stage 1 or 2) qualify for Tier 2 capital up to 1.25% of credit RWAs. Effective April 1, 2027.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13387&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/19",
   "title": "RBI Amends Directions for Regional Rural Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-19/",
   "products": [],
   "summary": "RBI issues Amendment Directions for Regional Rural Banks, adding AgriSURE to Annex I, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13386&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/28",
   "title": "Wilful Defaulter Classification Timeline Tightened to 6 Months",
   "url": "https://bankpulse.ai/c/rbi-2026-27-28/",
   "products": [],
   "summary": "RBI has amended wilful defaulter directions: banks must complete classification within six months of NPA classification, effective April 1, 2027. This aligns with new asset classification norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13384&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/23",
   "title": "RBI Amends Directions for Resolution of Stressed Assets",
   "url": "https://bankpulse.ai/c/rbi-2026-27-23/",
   "products": [],
   "summary": "RBI has amended the Directions for Resolution of Stressed Assets to include new criteria for asset classification and provisioning.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13383&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/31",
   "title": "RBI Amends Directions for Non-Operative Financial Holding Companies (Reference Update)",
   "url": "https://bankpulse.ai/c/rbi-2026-27-31/",
   "products": [],
   "summary": "RBI issues Amendment Directions for Non-Operative Financial Holding Companies, effective April 01, 2027, updating the reference for prudential norms on income recognition, asset classification, and provisioning to the 2026 Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13382&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/18",
   "title": "RCBs can now offer AgriSURE fund services",
   "url": "https://bankpulse.ai/c/rbi-2026-27-18/",
   "products": [],
   "summary": "RBI has amended the 2025 Directions for Rural Co-operative Banks, adding 'AgriSURE - Agri Fund for Start Ups & Rural Enterprises' to the list of permissible financial services. This takes effect immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13381&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/17",
   "title": "NBFC Directions Amended: AgriSURE Fund Added to Annex I",
   "url": "https://bankpulse.ai/c/rbi-2026-27-17/",
   "products": [],
   "summary": "RBI has added 'AgriSURE - Agri Fund for Start Ups & Rural Enterprises' to Annex I of the NBFC (Undertaking of Financial Services) Directions, 2025, effective immediately. This expands the list of eligible funds for NBFCs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13379&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/16",
   "title": "Reserve Bank of India (All India Financial Institutions – Undertaking of Financial Services) –Amendment Directions, 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-16/",
   "products": [],
   "summary": "RBI has amended the 2025 Directions for All India Financial Institutions, adding a new entry to Annex I: 'AgriSURE - Agri Fund for Start Ups & Rural Enterprises'. The amendment comes into force with immediate effect.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13378&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/15",
   "title": "LABs can now invest in AgriSURE fund",
   "url": "https://bankpulse.ai/c/rbi-2026-27-15/",
   "products": [],
   "summary": "RBI has added 'AgriSURE - Agri Fund for Start Ups & Rural Enterprises' to Annex XII of the Local Area Banks Directions, 2025, effective immediately. This allows LABs to invest in this fund, expanding their eligible investment options.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13377&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/FD/2023-24/1",
   "title": "RBI's Regulatory Sandbox Framework for FinTech Innovation",
   "url": "https://bankpulse.ai/c/rbi-fd-2023-24-1/",
   "products": [],
   "summary": "RBI's Regulatory Sandbox allows live testing of innovative financial products under relaxed regulations, fostering responsible innovation, managing risks, and benefiting consumers. It provides a controlled environment for evidence-based regulatory learning.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13375&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/DPSS/2026-27/396",
   "title": "RBI Consolidates E-Mandate Rules into Single Framework",
   "url": "https://bankpulse.ai/c/rbi-dpss-2026-27-396/",
   "products": [],
   "summary": "RBI has issued the Digital Payments – E-mandate Framework, 2026, consolidating all prior e-mandate circulars into one directive. Effective immediately, it mandates AFA for registration, modifications, withdrawals, and first transactions, pre-transaction notifications 24 hours prior, and opt-out faci",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13374&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 01:02 IST",
   "published_at_iso": "2026-06-19T01:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/40",
   "title": "RBI Tightens UCB Housing Loan Tenor, Deposit Lending Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-40/",
   "products": [],
   "summary": "RBI caps UCB housing loan tenor at 20 years (Tier 1 & 2), restricts moratorium to under-construction homes (max 24 months), bans loans against other banks' FDs, and sets new unsecured advance limits per tier. Effective Oct 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13404&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/38",
   "title": "Reporting of OTC Foreign Exchange Derivative Contracts",
   "url": "https://bankpulse.ai/c/rbi-2026-27-38/",
   "products": [],
   "summary": "RBI mandates AD Cat-I banks to report OTC foreign exchange derivative contracts involving INR, undertaken globally by their related parties, to the Trade Repository of CCIL.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13402&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/37",
   "title": "NDS-OM Access Forms Moved to PRAVAAH Portal",
   "url": "https://bankpulse.ai/c/rbi-2026-27-37/",
   "products": [],
   "summary": "RBI has removed application forms from the NDS-OM Master Direction and made them available only on the PRAVAAH portal. This move simplifies access to the government securities trading platform, reducing paperwork and improving efficiency for all market participants.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13401&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/DOR/2026-27/398",
   "title": "RBI's New ECL-Based Asset Classification & Provisioning Directions 2026",
   "url": "https://bankpulse.ai/c/rbi-dor-2026-27-398/",
   "products": [],
   "summary": "RBI issued final Directions for a forward-looking Expected Credit Loss (ECL) provisioning framework, effective April 1, 2027. It introduces a staging approach for asset classification while retaining existing NPA norms, and mandates Effective Interest Rate method. This strengthens credit risk manage",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13400&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/DOR/2026-27/397",
   "title": "New Credit Risk Capital Rules Under Standardised Approach",
   "url": "https://bankpulse.ai/c/rbi-dor-2026-27-397/",
   "products": [],
   "summary": "RBI issued final directions for credit risk capital under the Standardised Approach, effective April 1, 2027. Banks must comply with new risk weights, due diligence, and credit risk mitigation rules for banking book exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13399&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/26",
   "title": "RBI Amends Credit Risk Management Directions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-26/",
   "products": [],
   "summary": "RBI issues second amendment directions for commercial banks' credit risk management, focusing on unhedged foreign currency exposure (UCFE) and incremental capital requirements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13397&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/DOR/2026-27/36",
   "title": "RBI Repeals Income Recognition Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2026-27-36/",
   "products": [],
   "summary": "RBI repeals 2025 income recognition, asset classification, and provisioning directions for commercial banks, replacing with 2026 directions effective April 1, 2027.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13396&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/25",
   "title": "RBI Amends Credit Facility Directions for Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-25/",
   "products": [],
   "summary": "RBI has updated the Commercial Banks – Credit Facilities Directions, 2025 to align asset classification, provisioning, and risk weight rules with new 2026 directions. Key changes include referencing the new ACPIR and capital charge directions, and deleting paragraph 172(3)(ii). Effective April 1, 20",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13395&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/21",
   "title": "Amendment Directions for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-21/",
   "products": [],
   "summary": "RBI issues Amendment Directions for Urban Co-operative Banks to add AgriSURE - Agri Fund for Start Ups & Rural Enterprises to Annex I, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13394&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/30",
   "title": "RBI Amends Asset Liability Management Directions 2025",
   "url": "https://bankpulse.ai/c/rbi-2026-27-30/",
   "products": [],
   "summary": "RBI has updated its 2025 Asset Liability Management Directions to mandate that banks classify loans in accordance with the new 2026 Asset Classification, Provisioning and Income Recognition Directions. The change becomes operative on 1 April 2027, requiring banks to adjust their loan classification ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13392&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/34",
   "title": "RBI Amends Investment Portfolio Rules for Commercial Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-34/",
   "products": [],
   "summary": "RBI has amended the Classification, Valuation, and Operation of Investment Portfolio Directions, 2025, inserting new definitions (amortised cost, EIR, ECL, gross carrying amount, loss allowance, stages, transaction cost) and modifying existing ones (carrying cost, financial asset) to align with the ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13391&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/29",
   "title": "RBI Amends Credit Card Reporting and Late Payment Charges",
   "url": "https://bankpulse.ai/c/rbi-2026-27-29/",
   "products": [],
   "summary": "RBI amends credit card reporting and late payment charges rules, effective April 1, 2027. Banks must report 'past due' accounts to CICs or levy charges only after 3 days. Late payment charges apply to outstanding amounts, not total due amounts.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13388&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:51 IST",
   "published_at_iso": "2026-06-19T00:51:00+05:30"
  },
  {
   "ref": "RBI/2026-27/69",
   "title": "NBFC Stressed Asset Resolution: New IRAC Norms & Provisions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-69/",
   "products": [],
   "summary": "RBI amends NBFC IRAC norms to align with stressed asset resolution directions. Standard accounts under a valid resolution plan can retain standard status; NPAs upgraded upon plan implementation. Additional 5% provisioning required on restructured debt, with write-back possible after 20% repayment.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13428&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/76",
   "title": "RBI Repeals Relief Measures Directions for Banks in Areas Affected by Natural Calamities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-76/",
   "products": [],
   "summary": "RBI repeals Directions 2018, replacing it with new Directions effective July 1, 2026, for banks in areas affected by natural calamities.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13427&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/60",
   "title": "RBI Amends RRB Stressed Asset Resolution for Calamities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-60/",
   "products": [],
   "summary": "RBI has issued amendment directions for Regional Rural Banks (RRBs) on resolving stressed assets impacted by natural calamities or external events. Key changes include defining 'date of invocation' and 'natural calamity', requiring board-approved policies, and replacing the old chapter with a new on",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13426&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/57",
   "title": "UCB Stressed Asset Resolution: IRAC Norms Tweaked",
   "url": "https://bankpulse.ai/c/rbi-2026-27-57/",
   "products": [],
   "summary": "RBI amended UCB IRAC norms to align with new stressed asset resolution directions. Key changes: standard accounts under resolution plans stay standard, NPAs upgraded on plan implementation, and 5% additional provisioning required for each restructuring under Chapter IV-A.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13418&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/47",
   "title": "RBI Adds Calamity Impact Clause to Credit Assessments",
   "url": "https://bankpulse.ai/c/rbi-2026-27-47/",
   "products": [],
   "summary": "RBI’s latest amendment requires commercial banks to incorporate the potential impact of calamities into their credit assessment processes. The change, effective July 1 2026, mandates that risk evaluations reflect how such events could affect borrowers’ repayment capacity.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13413&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/48",
   "title": "RBI Amends Small Finance Bank Stressed Asset Resolution for Calamities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-48/",
   "products": [],
   "summary": "RBI has amended Small Finance Bank resolution norms for natural calamities, defining 'date of invocation' and 'natural calamity' via NDRF/SDRF. Banks must update board policies with objective relief principles and delegation matrices. New Chapter VI-A governs calamity-impacted account resolution, wi",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13412&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/52",
   "title": "Amendment to Local Area Banks Resolution Guidelines – Calamity Focus",
   "url": "https://bankpulse.ai/c/rbi-2026-27-52/",
   "products": [],
   "summary": "RBI has updated the Local Area Banks resolution directions to explicitly cover natural calamities and related events. New definitions, a dedicated chapter, board‑policy requirements, and committee meeting timelines are introduced to streamline relief and resolution processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13411&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/46",
   "title": "RBI Eases Responsible Business Conduct Rules for Commercial Banks During Calamities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-46/",
   "products": [],
   "summary": "RBI has amended Responsible Business Conduct Directions to allow banks to operate calamity-hit branches from temporary premises for up to 30 days without prior approval, and to offer relief measures like fee waivers for up to one year in declared calamity areas.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13410&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/45",
   "title": "IRAC Norms Tweaked for Stressed Asset Resolution Plans",
   "url": "https://bankpulse.ai/c/rbi-2026-27-45/",
   "products": [],
   "summary": "RBI has amended IRAC norms to align with new stressed asset resolution rules. Standard accounts under a resolution plan can stay standard; NPAs can be upgraded upon plan implementation. Banks must now set aside 5% additional provisioning for such plans, with write-back conditions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13409&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/43",
   "title": "RBI Amends NBFC Registration, Exemptions, and Scale-Based Regulation",
   "url": "https://bankpulse.ai/c/rbi-2026-27-43/",
   "products": [],
   "summary": "RBI issues Amendment Directions for NBFCs, introducing new definitions and exemptions for NBFCs not availing public funds and not having customer interface, effective July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13407&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/42",
   "title": "UAPA Section 51A: UNSC Taliban Sanctions List Updated – 17 Entries Amended",
   "url": "https://bankpulse.ai/c/rbi-2026-27-42/",
   "products": [],
   "summary": "RBI mandates all regulated entities to screen accounts against the updated UNSC 1988 Taliban Sanctions List (17 amended entries) and comply with UAPA Section 51A obligations, including freezing assets and reporting de-listing requests to MHA.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13406&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/41",
   "title": "RBI Amends Directions for Urban Co-operative Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-41/",
   "products": [],
   "summary": "RBI issues second amendment directions for urban co-operative banks to enhance financial statement disclosures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13405&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:43 IST",
   "published_at_iso": "2026-06-19T00:43:00+05:30"
  },
  {
   "ref": "RBI/2026-27/82",
   "title": "RBI Eases Outward Remittance Rules for Non-Bank Entities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-82/",
   "products": [],
   "summary": "RBI has removed the need for non-bank entities to seek specific approval for tie-ups with AD Category-I banks for outward remittances. ADs can now directly facilitate these services under a new framework, with full compliance and KYC responsibility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13449&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/81",
   "title": "RBI Amends Prudential Norms for Payments Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-81/",
   "products": [],
   "summary": "RBI amends capital adequacy norms for Payments Banks, allowing quarterly profit inclusion in CET1 capital.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13448&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/DGBA/2026-27/400",
   "title": "RBI Directions on Agency Banks' Conduct of Government Business",
   "url": "https://bankpulse.ai/c/rbi-dgba-2026-27-400/",
   "products": [],
   "summary": "RBI issues directions for Agency Banks to conduct government business, including payment of agency commission and oversight.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13443&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/75",
   "title": "RBI adds calamity impact clause to AIFI credit risk guidelines",
   "url": "https://bankpulse.ai/c/rbi-2026-27-75/",
   "products": [],
   "summary": "The RBI has issued a second amendment to the credit risk management directions for All India Financial Institutions, inserting a new clause that requires credit assessments to factor in the potential impact of calamities on borrowers. The change becomes effective on 1 July 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13441&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/85",
   "title": "Payments Banks IFR Norms Eased: New 2% Floor on AFS & FVTPL",
   "url": "https://bankpulse.ai/c/rbi-2026-27-85/",
   "products": [],
   "summary": "RBI has relaxed Investment Fluctuation Reserve (IFR) rules for payments banks. The IFR must now be at least 2% of the AFS and FVTPL (including HFT) portfolio, assessed annually. Transfers are from net profit after mandatory appropriations, using realised gains on sale of investments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13452&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/78",
   "title": "RBI Overhauls Authorised Person Rules for Forex Services",
   "url": "https://bankpulse.ai/c/rbi-2026-27-78/",
   "products": [],
   "summary": "RBI has issued new Foreign Exchange Management (Authorised Persons) Regulations, 2026, replacing the old framework to rationalise forex service delivery and ease compliance. All authorised persons must follow the new regulations, which also amend existing master directions and supersede 11 older cir",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13445&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/DGBA/2026-27/399",
   "title": "RBI's 2026 Pension Disbursement Directions for Agency Banks",
   "url": "https://bankpulse.ai/c/rbi-dgba-2026-27-399/",
   "products": [],
   "summary": "RBI issued consolidated directions for Agency Banks disbursing government pensions, effective immediately. Key mandates include prompt DR implementation, refund of excess payments, life certificate processes, and compensation for delayed credits. Banks must update systems and train staff accordingly",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13442&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/74",
   "title": "RBI Allows AIFIs to Waive Fees in Calamity Areas",
   "url": "https://bankpulse.ai/c/rbi-2026-27-74/",
   "products": [],
   "summary": "RBI now permits All India Financial Institutions to waive or reduce fees and charges for customers in officially declared calamity zones, for up to one year, effective July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13440&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/73",
   "title": "RBI Tightens Provisioning Norms for AIFIs: New Rules on Resolution Plans",
   "url": "https://bankpulse.ai/c/rbi-2026-27-73/",
   "products": [],
   "summary": "RBI mandates 5% additional specific provisioning on outstanding debt for All India Financial Institutions (AIFIs) under resolution plans implemented per Chapter VI-A of the Stressed Assets Directions. Standard accounts can stay standard post-resolution if plan adheres to provisions; NPAs upgraded if",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13439&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/72",
   "title": "RBI Amends Stressed Asset Resolution for Calamity-Hit Borrowers",
   "url": "https://bankpulse.ai/c/rbi-2026-27-72/",
   "products": [],
   "summary": "RBI has issued amendment directions for All India Financial Institutions (AIFIs) to harmonize resolution norms for exposures impacted by natural calamities or external events like riots, effective from the date of the Amendment Directions (April 29, 2026). Key changes include defining 'date of invoc",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13437&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/77",
   "title": "RBI Repeals 2018 Natural Calamity Relief Directions for RRBs",
   "url": "https://bankpulse.ai/c/rbi-2026-27-77/",
   "products": [],
   "summary": "RBI has repealed the 2018 Master Direction on relief measures for RRBs in natural calamity areas, effective July 1, 2026. It is replaced by four new amendment directions covering stressed assets, income recognition, responsible business conduct, and credit risk management.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13432&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/61",
   "title": "RRB NPA Classification & Provisioning Norms Updated",
   "url": "https://bankpulse.ai/c/rbi-2026-27-61/",
   "products": [],
   "summary": "RBI amends RRB income recognition and provisioning rules, aligning them with new stressed asset resolution directions. Key changes: deletion of old paragraph 29, new paragraphs 36A-36B on asset classification post-resolution, and additional 5% provisioning for resolution plans under Chapter IV-A.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13430&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:36 IST",
   "published_at_iso": "2026-06-19T00:36:00+05:30"
  },
  {
   "ref": "RBI/2026-27/93",
   "title": "RBI Updates UNSC Sanctions List: Removal of 7 Entities",
   "url": "https://bankpulse.ai/c/rbi-2026-27-93/",
   "products": [],
   "summary": "RBI updates UNSC's 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List, removing 5 individuals and 2 entities. Banks must review and update their customer due diligence processes.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13460&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/92",
   "title": "LAB Financial Statement Disclosures: Third Amendment 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-92/",
   "products": [],
   "summary": "RBI has amended LAB financial statement directions to clarify 'Revenue Reserve' definition and require a new disclosure table for movement of provisions on non-performing investments (NPIs), effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13459&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/91",
   "title": "Commercial Banks – Financial Statements: Sixth Amendment Directions 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-91/",
   "products": [],
   "summary": "RBI issues Sixth Amendment Directions 2026 for commercial banks, revising the definition of revenue reserve and adding a new provisions movement table for non‑performing investments (NPIs). Banks must update disclosures accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13458&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/90",
   "title": "Capital Adequacy Norms: Sub-paragraph 21(i)(b) Deleted",
   "url": "https://bankpulse.ai/c/rbi-2026-27-90/",
   "products": [],
   "summary": "RBI has deleted sub-paragraph 21(i)(b) from the Prudential Norms on Capital Adequacy Directions, 2025, effective May 18, 2026. This follows changes to investment portfolio classification rules. Banks must update their capital adequacy compliance frameworks accordingly.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13457&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/100",
   "title": "USD‑INR Forex Swap Facility for PSU ECBs & Bank OFCBs",
   "url": "https://bankpulse.ai/c/rbi-2026-27-100/",
   "products": [],
   "summary": "The RBI now offers a USD‑INR swap line for public‑sector borrowers of external commercial loans (average maturity of three years and above) and for Category‑I banks raising overseas foreign‑currency borrowings of minimum three years. Swaps are in USD, up to five years, at a 1.5% p.a. fixed rate comp",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13469&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/DOR/2026-27/94",
   "title": "RBI Amends UCB Governance Directions",
   "url": "https://bankpulse.ai/c/rbi-dor-2026-27-94/",
   "products": [],
   "summary": "RBI issues amendment directions to strengthen governance of urban co-operative banks, introducing a 3-year cooling-off period for directors.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13461&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/89",
   "title": "RBI Amends Regional Rural Banks' Investment Portfolio Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-89/",
   "products": [],
   "summary": "RBI relaxes rules for Regional Rural Banks to maintain Investment Fluctuation Reserve, allowing them to use realised gains from investment sales.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13456&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/88",
   "title": "RCB IFR Requirement Eased to 5% of Current Category Investments",
   "url": "https://bankpulse.ai/c/rbi-2026-27-88/",
   "products": [],
   "summary": "RBI has amended IFR norms for Rural Co-operative Banks, reducing the minimum requirement to 5% of the Current Category investment portfolio, assessed annually at book value as of balance sheet date, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13455&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/87",
   "title": "UCB Investment Fluctuation Reserve Norms Eased",
   "url": "https://bankpulse.ai/c/rbi-2026-27-87/",
   "products": [],
   "summary": "RBI has relaxed IFR maintenance for Urban Co-operative Banks: minimum IFR is now 5% of the investment portfolio, computed with reference to book value of AFS and HFT categories, assessed annually. Banks can draw down excess IFR above 5% to P&L at year-end, addressing operational constraints.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13454&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/84",
   "title": "RBI Amends Small Finance Banks Investment Fluctuation Reserve Rules (2026)",
   "url": "https://bankpulse.ai/c/rbi-2026-27-84/",
   "products": [],
   "summary": "RBI amends rules for Small Finance Banks' Investment Fluctuation Reserve (IFR) to ease operational constraints, requiring a minimum 2% IFR balance of AFS and FVTPL (including HFT) portfolio, assessed annually based on balance sheet date values.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13451&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/83",
   "title": "RBI discontinues Investment Fluctuation Reserve for banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-83/",
   "products": [],
   "summary": "RBI has scrapped the Investment Fluctuation Reserve (IFR) requirement for commercial banks effective May 18, 2026. Existing IFR balances must be transferred below the line to statutory or general reserves. This simplifies investment portfolio norms under the 2025 Directions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13450&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:26 IST",
   "published_at_iso": "2026-06-19T00:26:00+05:30"
  },
  {
   "ref": "RBI/2026-27/103",
   "title": "RBI Exempts SFBs from CRR, SLR for FCNR(B) Deposits",
   "url": "https://bankpulse.ai/c/rbi-2026-27-103/",
   "products": [],
   "summary": "RBI exempts Small Finance Banks from maintaining CRR and SLR for fresh FCNR(B) deposits of minimum tenor of three years and maximum tenor of five years mobilized between June 8, 2026, and September 30, 2026. The CRR exemption applies from the reporting fortnight beginning July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13472&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62949",
   "title": "RBI Conducts 2-Day Variable Rate Repo Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62949/",
   "products": [],
   "summary": "RBI conducted a 2-day Variable Rate Repo (VRR) auction on June 17, 2026, allotting ₹50,016 crore at a weighted average rate of 5.26%.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62949",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62950",
   "title": "RBI Announces Second VRR Auction on June 17, 2026",
   "url": "https://bankpulse.ai/c/rbi-doc-62950/",
   "products": [],
   "summary": "RBI will conduct a second 2-day Variable Rate Repo auction for ₹50,000 crore on June 17, 2026, to manage short-term liquidity. Banks can bid between 11:00 AM and 11:30 AM, with reversal on June 19, 2026.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62950",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62951",
   "title": "RBI Conducts Second 2-day Variable Rate Repo Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62951/",
   "products": [],
   "summary": "RBI conducted the second 2-day Variable Rate Repo auction on June 17, 2026, allotting ₹22,284 crore at a weighted average rate of 5.26%.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62951",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/101",
   "title": "NOP-INR Exclusion for FCNR(B) and ECB Swaps",
   "url": "https://bankpulse.ai/c/rbi-2026-27-101/",
   "products": [],
   "summary": "AD Cat-I banks can now exclude swap positions from FCNR(B) deposits, ECBs, and overseas foreign currency borrowings when calculating their NOP-INR, as per A.P. (DIR Series) Circular No. 13 dated June 8, 2026, referencing swap facility circulars of the same date.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13470&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/99",
   "title": "RBI's FCNR(B) Swap Facility: 3-5 Year Tenor, USD Only",
   "url": "https://bankpulse.ai/c/rbi-2026-27-99/",
   "products": [],
   "summary": "RBI introduces a USD-INR forex swap for fresh FCNR(B) deposits of 3-5 year tenor, available to AD Category-I banks. Swaps are at par, non-cancellable, with a one-year lock-in on deposits. Facility open until October 16, 2026, for deposits mobilized between the date of this circular and September 30,",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13468&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/98",
   "title": "CIMS Portal Mandated for Two FEMA Returns from June 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-98/",
   "products": [],
   "summary": "From June 30, 2026, AD Category-I banks must submit the consolidated BO/LO/PO statement (return code R343) and the NRO account remittance statement (return code R006) exclusively on the CIMS portal. Physical submissions to RBI offices cease.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13465&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/97",
   "title": "FPI Investment in Govt Securities: Limits Removed, FAR Expanded",
   "url": "https://bankpulse.ai/c/rbi-2026-27-97/",
   "products": [],
   "summary": "RBI has scrapped short-term, security-wise, and concentration limits for FPI investments in government securities under the General Route, merged general and long-term sub-limits, and added new tenors to the Fully Accessible Route, effective immediately.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13464&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/96",
   "title": "Bajali District Assam Lead Bank Assigned to Canara Bank",
   "url": "https://bankpulse.ai/c/rbi-2026-27-96/",
   "products": [],
   "summary": "RBI has designated Canara Bank as the Lead Bank for Assam's new Bajali district, effective immediately. Other districts' lead bank assignments remain unchanged.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13463&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/DOR/2026-27/95",
   "title": "RBI tightens director tenure rules for rural co-op banks",
   "url": "https://bankpulse.ai/c/rbi-dor-2026-27-95/",
   "products": [],
   "summary": "RBI has amended governance directions for StCBs and CCBs, mandating a three-year cooling-off period for directors after ten years of continuous service, effective May 25, 2026, to prevent tenure circumvention.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13462&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:18 IST",
   "published_at_iso": "2026-06-19T00:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/113",
   "title": "RBI allows AIFIs to lend to listed InvITs with conditions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-113/",
   "products": [],
   "summary": "RBI now permits All India Financial Institutions (AIFIs) to lend to SEBI-registered, listed InvITs, subject to board-approved policies, end-use monitoring, and restrictions on refinancing stressed SPVs or using bullet repayments.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13482&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/114",
   "title": "Liberalisation of Foreign Portfolio Investment",
   "url": "https://bankpulse.ai/c/rbi-2026-27-114/",
   "products": [],
   "summary": "RBI liberalises foreign portfolio investment rules, allowing all individual persons resident outside India to invest in Indian equities with enhanced limits, as per amendments to FEMA (Non-debt Instruments) Rules, 2019.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13483&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/112",
   "title": "SFB Lending to InvITs: New RBI Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-112/",
   "products": [],
   "summary": "RBI has formalised rules for Small Finance Banks lending to InvITs. Banks need board-approved policies, can only lend to listed InvITs with 80%+ of asset value in completed revenue-generating infra projects that have generated positive cash flows for at least one year, and must avoid bullet repaymen",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13481&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/111",
   "title": "RBI Revises Risk Weights for REIT Exposures",
   "url": "https://bankpulse.ai/c/rbi-2026-27-111/",
   "products": [],
   "summary": "RBI has classified bank exposures to REITs as Commercial Real Estate with a 100% risk weight, or 125% if they qualify as capital market exposures. Overseas branch lending to REITs will attract a 150% risk weight. Effective October 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13480&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/110",
   "title": "RBI Concentration Risk Management Directions 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-110/",
   "products": [],
   "summary": "RBI introduces new exposure limits for real estate sector, banks must set internal limits and sub-limits for various sub-categories of real estate exposures.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13479&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/106",
   "title": "RBI Exempts Fresh FCNR(B) Deposits of 3-5 Years Tenor from CRR and SLR for Regional Rural Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-106/",
   "products": [],
   "summary": "RBI exempts fresh FCNR(B) deposits of 3-5 years tenor (including renewals) from CRR and SLR for Regional Rural Banks, for deposits mobilized from June 8, 2026 to September 30, 2026. CRR exemption starts from reporting fortnight beginning July 1, 2026.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13475&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/105",
   "title": "RBI exempts new 3‑5 yr FCNR(B) deposits from CRR/SLR for rural co‑ops",
   "url": "https://bankpulse.ai/c/rbi-2026-27-105/",
   "products": [],
   "summary": "Effective June 8 2026, fresh FCNR(B) deposits of minimum three years and maximum five years mobilized (including renewals) by rural co‑operative banks from June 8 to September 30 2026 will be exempt from CRR and SLR. The CRR exemption starts from the reporting fortnight beginning July 1 2026, based ",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13474&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2026-27/104",
   "title": "FCNR(B) CRR/SLR Exemption for UCBs Extended",
   "url": "https://bankpulse.ai/c/rbi-2026-27-104/",
   "products": [],
   "summary": "RBI exempts fresh FCNR(B) deposits (3-5 year tenor) mobilised by Urban Co-operative Banks from June 8 to Sept 30, 2026, from CRR and SLR maintenance. This aims to boost dollar inflows via a USD-INR swap facility.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13473&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:10 IST",
   "published_at_iso": "2026-06-19T00:10:00+05:30"
  },
  {
   "ref": "RBI/2022-23/48",
   "title": "RBI Withdraws 44 Old Circulars on Interest Rates, Export Credit, and Other Topics",
   "url": "https://bankpulse.ai/c/rbi-2022-23-48/",
   "products": [],
   "summary": "RBI has withdrawn 44 outdated circulars on interest rates for agriculture, deposits, advances, export credit, as well as topics like sitting fees, travelling and halting allowances, lateral movement of staff, board of directors, and Liberalisation of Exchange Co (as per source subject 'Liberalisatio",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12315&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:03 IST",
   "published_at_iso": "2026-06-19T00:03:00+05:30"
  },
  {
   "ref": "RBI/2026-27/116",
   "title": "RBI Issues 2026 Second Amendment on Responsible Business Conduct for Small Finance Banks",
   "url": "https://bankpulse.ai/c/rbi-2026-27-116/",
   "products": [],
   "summary": "The RBI has added new definitions and tightened rules on advertising, marketing and sales for Small Finance Banks, banning compulsory bundling, dark‑pattern designs, and mis‑selling, and mandating explicit consent. The changes take effect on 1 January 2027 and apply to all SFBs and their agents.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13486&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:03 IST",
   "published_at_iso": "2026-06-19T00:03:00+05:30"
  },
  {
   "ref": "RBI/2026-27/115",
   "title": "RBI Bans Dark Patterns, Compulsory Bundling for Banks from Jan 2027",
   "url": "https://bankpulse.ai/c/rbi-2026-27-115/",
   "products": [],
   "summary": "RBI has banned dark patterns and compulsory bundling of financial products for commercial banks (excluding SFBs, PBs, RRBs, LABs) effective January 1, 2027. New rules define mis-selling, explicit consent, and DSA/DMA sub-agents, tightening customer suitability and transparency norms.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13485&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "19 Jun 2026, 00:03 IST",
   "published_at_iso": "2026-06-19T00:03:00+05:30"
  },
  {
   "ref": "RBI/2022-23/51",
   "title": "KCC Eligibility Relaxed for Fisheries & Aquaculture",
   "url": "https://bankpulse.ai/c/rbi-2022-23-51/",
   "products": [],
   "summary": "RBI has relaxed Kisan Credit Card eligibility for inland fisheries/aquaculture: farmers now only need to own/lease relevant assets and possess state-specific authorizations, removing rigid licensing requirements that varied across states.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12318&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "18 Jun 2026, 06:18 IST",
   "published_at_iso": "2026-06-18T06:18:00+05:30"
  },
  {
   "ref": "RBI/2026-27/102",
   "title": "CRR/SLR Exemption for 3-5 Year FCNR(B) Deposits",
   "url": "https://bankpulse.ai/c/rbi-2026-27-102/",
   "products": [],
   "summary": "RBI exempts fresh FCNR(B) deposits of 3-5 year tenor from CRR and SLR if mobilised between June 8 and September 30, 2026. This aims to boost dollar inflows via a US Dollar-Rupee swap facility. Exemption applies to original deposit amounts while held.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13471&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 13:02 IST",
   "published_at_iso": "2026-06-17T13:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/118",
   "title": "LABs: New Definitions in 2026 Amendment to Responsible Business Conduct",
   "url": "https://bankpulse.ai/c/rbi-2026-27-118/",
   "products": [],
   "summary": "From Jan 1 2027, LABs must adhere to updated RBI directions that introduce key terms—compulsory bundling, dark patterns, DSA/DMA, sub‑agents, explicit consent, and mis‑selling. These definitions tighten marketing and sales conduct, demanding clearer consent, prohibiting coercive bundling, and clarif",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13488&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 13:00 IST",
   "published_at_iso": "2026-06-17T13:00:00+05:30"
  },
  {
   "ref": "RBI/2026-27/107",
   "title": "₹2000 Note Withdrawal: Consolidated Instructions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-107/",
   "products": [],
   "summary": "RBI has consolidated all past circulars on the withdrawal of ₹2000 banknotes. The notes remain legal tender. Exchange/deposit is now only at 19 RBI offices, not bank branches. No new policy changes; this is a clean-up of earlier instructions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13476&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 12:23 IST",
   "published_at_iso": "2026-06-17T12:23:00+05:30"
  },
  {
   "ref": "RBI/2026-27/120",
   "title": "UCBs: New Rules on Bundling, Dark Patterns & Mis-selling",
   "url": "https://bankpulse.ai/c/rbi-2026-27-120/",
   "products": [],
   "summary": "RBI bans compulsory bundling and dark patterns for UCBs from Jan 1, 2027. New definitions for mis-selling, explicit consent, and DSA/DMA sub-agents tighten accountability. Banks must review sales processes and third-party agreements.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13490&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 12:21 IST",
   "published_at_iso": "2026-06-17T12:21:00+05:30"
  },
  {
   "ref": "RBI/2026-27/119",
   "title": "RRB Responsible Business Conduct: Second Amendment 2026",
   "url": "https://bankpulse.ai/c/rbi-2026-27-119/",
   "products": [],
   "summary": "RBI bans compulsory bundling and dark patterns for RRBs from Jan 1, 2027. New rules define mis-selling, explicit consent, and DSA/DMA sub-agents. Banks must ensure no forced product linkage or deceptive UI/UX designs.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13489&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 12:21 IST",
   "published_at_iso": "2026-06-17T12:21:00+05:30"
  },
  {
   "ref": "RBI/2026-27/117",
   "title": "RBI Tightens Rules on Payments Bank Sales and Marketing",
   "url": "https://bankpulse.ai/c/rbi-2026-27-117/",
   "products": [],
   "summary": "RBI has issued comprehensive directions on advertising, marketing, and sale of financial products for Payments Banks, effective January 1, 2027. Key changes include banning compulsory bundling, defining dark patterns, and requiring explicit customer consent to prevent mis-selling.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13487&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 12:21 IST",
   "published_at_iso": "2026-06-17T12:21:00+05:30"
  },
  {
   "ref": "RBI/2023-24/142",
   "title": "Currency Chest Operations",
   "url": "https://bankpulse.ai/c/rbi-2023-24-142/",
   "products": [],
   "summary": "Currency chest holding banks must operate on March 31, 2024, to account for government transactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12641&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 11:00 IST",
   "published_at_iso": "2026-06-17T11:00:00+05:30"
  },
  {
   "ref": "RBI/2026-27/122",
   "title": "RBI Updates Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-122/",
   "products": [],
   "summary": "RBI issues new directions for All India Financial Institutions on responsible business conduct, covering advertising and sales practices.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13492&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-17T09:46:00+05:30"
  },
  {
   "ref": "RBI/2026-27/121",
   "title": "RBI Updates Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-121/",
   "products": [],
   "summary": "RBI issues new directions for rural co-operative banks on responsible business conduct, effective January 1, 2027.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13491&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 09:46 IST",
   "published_at_iso": "2026-06-17T09:46:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62941",
   "title": "RBI Master Directions",
   "url": "https://bankpulse.ai/c/rbi-doc-62941/",
   "products": [],
   "summary": "RBI issues Master Directions on authorization to operate a payment system, consolidating existing guidelines and instructions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62941",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:41 IST",
   "published_at_iso": "2026-06-17T07:41:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62940",
   "title": "RBI 7-Day VRR Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62940/",
   "products": [],
   "summary": "RBI to conduct 7-day Variable Rate Repo auction on June 16, 2026, to manage liquidity conditions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62940",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:41 IST",
   "published_at_iso": "2026-06-17T07:41:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62938",
   "title": "RBI Amends Rules on Financial Ads",
   "url": "https://bankpulse.ai/c/rbi-doc-62938/",
   "products": [],
   "summary": "RBI issues amendment directions on advertising and sale of financial products by regulated entities, effective January 1, 2027.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62938",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:41 IST",
   "published_at_iso": "2026-06-17T07:41:00+05:30"
  },
  {
   "ref": "RBI/2026-27/124",
   "title": "RBI Amends HFC Directions",
   "url": "https://bankpulse.ai/c/rbi-2026-27-124/",
   "products": [],
   "summary": "RBI updates advertising and sales rules for housing finance companies, effective January 1, 2027.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13494&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:41 IST",
   "published_at_iso": "2026-06-17T07:41:00+05:30"
  },
  {
   "ref": "RBI/2026-27/123",
   "title": "RBI Updates NBFC Rules",
   "url": "https://bankpulse.ai/c/rbi-2026-27-123/",
   "products": [],
   "summary": "RBI issues new directions for NBFCs on responsible business conduct, covering advertising and customer interactions.",
   "official_source": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13493&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:41 IST",
   "published_at_iso": "2026-06-17T07:41:00+05:30"
  },
  {
   "ref": "RBI/2026-27/137",
   "title": "RBI Amends Capital Adequacy Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-137/",
   "products": [],
   "summary": "RBI amends capital adequacy norms for small finance banks, introducing zero risk weight for ECLGS 5.0 exposures.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13508&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/135",
   "title": "RBI Amends Capital Adequacy Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-135/",
   "products": [],
   "summary": "RBI updates capital adequacy norms for regional rural banks, affecting risk weights for ECLGS 5.0 exposures.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13506&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/134",
   "title": "RBI Amends Capital Adequacy Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-134/",
   "products": [],
   "summary": "RBI updates capital adequacy norms for urban co-operative banks, affecting risk weights for ECLGS 5.0 exposures.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13505&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/136",
   "title": "NBFC Capital Adequacy Update",
   "url": "https://bankpulse.ai/c/rbi-2026-27-136/",
   "products": [],
   "summary": "RBI has revised NBFC capital adequacy rules, allowing a zero risk weight for up to 75 % of the guaranteed portion of exposures under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0, provided settlement is expected within 30 days of invocation.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13507&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/133",
   "title": "RBI Amends Capital Adequacy Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-133/",
   "products": [],
   "summary": "RBI amends capital adequacy norms for All India Financial Institutions, introducing zero risk weight for 75% of guaranteed portion of ECLGS 5.0 exposures.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13504&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2026-27/132",
   "title": "RBI Amends Capital Adequacy Norms",
   "url": "https://bankpulse.ai/c/rbi-2026-27-132/",
   "products": [],
   "summary": "RBI updates capital adequacy norms for commercial banks, introducing zero risk weight for 75% of ECLGS 5.0 guaranteed exposures.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13503&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/DPSS/2026-27/401",
   "title": "RBI Payment System Rules",
   "url": "https://bankpulse.ai/c/rbi-dpss-2026-27-401/",
   "products": [],
   "summary": "RBI issues master directions for payment system authorisation, outlining eligibility and requirements for operators.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13502&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13501&amp;Mode=0",
   "title": "RBI Amends NBFC Directions",
   "url": "https://bankpulse.ai/c/rbi-doc-13501/",
   "products": [],
   "summary": "RBI amends NBFC directions to revise agency business regulations and customer service aspects.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13501&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13500&amp;Mode=0",
   "title": "RBI Amends Rural Co-op Banks",
   "url": "https://bankpulse.ai/c/rbi-doc-13500/",
   "products": [],
   "summary": "RBI amends rural co-operative banks' financial services directions, effective January 1, 2027, impacting agency business and referral services.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13500&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13499&amp;Mode=0",
   "title": "RBI Amends Urban Co-op Banks' Financial Services",
   "url": "https://bankpulse.ai/c/rbi-doc-13499/",
   "products": [],
   "summary": "RBI updates rules for urban co-operative banks' financial services, effective January 1, 2027.",
   "official_source": "https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=13499&Mode=0",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62947",
   "title": "RBI Variable Rate Repo Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62947/",
   "products": [],
   "summary": "RBI to conduct 2-day Variable Rate Repo auction on June 17, 2026, to manage liquidity conditions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62947",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62944",
   "title": "State Govt Securities Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62944/",
   "products": [],
   "summary": "RBI announces results of yield/price based auction of state government securities with varied acceptance amounts",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62944",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62946",
   "title": "Q4 Corporate Performance",
   "url": "https://bankpulse.ai/c/rbi-doc-62946/",
   "products": [],
   "summary": "Private corporate business sector saw 13.9% sales growth in Q4 2025-26, driven by manufacturing and services sectors.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62946",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62945",
   "title": "State Govt Securities Auction",
   "url": "https://bankpulse.ai/c/rbi-doc-62945/",
   "products": [],
   "summary": "RBI announces results of state government securities auction with various yields and allotments.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62945",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62943",
   "title": "7-day VRR Auction Result",
   "url": "https://bankpulse.ai/c/rbi-doc-62943/",
   "products": [],
   "summary": "RBI's 7-day VRR auction received bids worth ₹89,440 crore, with a cut-off rate of 5.26%.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62943",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "RBI/2025-26/148",
   "title": "Money Market Update",
   "url": "https://bankpulse.ai/c/rbi-2025-26-148/",
   "products": [],
   "summary": "RBI's money market operations show liquidity injection of -1,51,131.21 crore on June 15, 2026, as per the net liquidity injected from outstanding including today's operations.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62942",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  },
  {
   "ref": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62939",
   "title": "RBI Penalty on Mahila Bank",
   "url": "https://bankpulse.ai/c/rbi-doc-62939/",
   "products": [],
   "summary": "RBI imposes ₹5 lakh penalty on Mahila Co-operative Bank for non-compliance with loan directions.",
   "official_source": "https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=62939",
   "reviewed_by": "Vikram Jain",
   "published_at": "17 Jun 2026, 07:02 IST",
   "published_at_iso": "2026-06-17T07:02:00+05:30"
  }
 ]
}