BankPulse build changelog

20 Jun 2026, 14:17 IST

Flagship Compliance Co-pilot scenario #97 - managing day-to-day rupee liquidity with the RBI under the Liquidity Adjustment Facility (LAF repo/reverse-repo), MSF and SDF within the policy corridor: eligibility + RBI accounts, collateralised repo/MSF borrowing, uncollateralised SDF/reverse-repo absorption, corridor & operating discipline keeping CRR/SLR/LCR intact; additive, conceptual, ZERO contested numbers (every rate/corridor/haircut/tenor/limit told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 14:11 IST

Flagship Compliance Co-pilot scenario #96 - compensation of Whole-Time Directors / CEOs / Material Risk Takers & control-function staff under RBI compensation guidelines: NRC-overseen board-approved compensation policy + RBI approval for WTD/MD&CEO, fixed-vs-variable split with variable-pay cap & cash/share-linked mix, deferral/vesting above threshold with share-linked component, malus/clawback & guaranteed-bonus restriction; additive, conceptual, ZERO contested numbers (every cap/period/share/threshold told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 14:06 IST

Flagship Compliance Co-pilot scenario #93 - acting as an agency bank for Government business (RBI as banker to Central/State Govts): agency-bank authorisation + agreement, eligible receipts (taxes) & payments (pensions), remittance-within-time + penal interest for delay, agency-commission claim in prescribed audit-certified format settled via RBI; additive, conceptual, ZERO contested numbers (every rate/timeline/eligibility told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 14:02 IST

Flagship Compliance Co-pilot scenario - NBFC-P2P Lending Platform under RBI NBFC-P2P Master Directions: CoR/net-owned-funds gate, platform-only role, per-lender/per-borrower/single-exposure caps + max tenor, bank-promoted trustee escrow fund flow, disclosure/fair-practices/grievance/reporting; additive, conceptual, ZERO contested numbers (every cap/NOF/tenor/timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 13:57 IST

Flagship Compliance Co-pilot scenario #92 - opening/shifting/converting/closing a bank branch / banking outlet under the RBI Branch Authorisation framework: general permission vs prior approval, unbanked-rural-centre obligation, board-approved branch-expansion policy + prescribed reporting return, special-centre/special-category cases; additive, conceptual, ZERO contested numbers (every proportion/tier/timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 13:49 IST

PRIORITY CAPTURE: Priority Sector Lending penalties Co-pilot scenario - PSL shortfall consequences (RIDF/contribution to funds), what triggers penalties & how banks avoid them via PSLCs/co-lending; conceptual, ZERO asserted figures (all targets/sub-targets/amounts told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 13:47 IST

PRIORITY CAPTURE (evergreen): KYC screening obligations Co-pilot scenario - PEP & sanctions screening (UNSC/OFAC/EU/UK), ongoing screening & STR linkage; conceptual, ZERO asserted figures (all thresholds/timelines told to confirm on official source), RBI KYC MD source + Vikram Jain attribution

20 Jun 2026, 13:42 IST

PRIORITY CAPTURE (evergreen): V-CIP / Video-KYC explainer with the Aug-2025 deepfake-detection requirement, geo-tag, liveness, consent, tamper-evident

20 Jun 2026, 13:40 IST

PRIORITY CAPTURE: build the 'April 2026 consolidation wave' crosswalk hub - old circular to new Master Direction mapping. Highest-leverage SEO/AEO asset.

20 Jun 2026, 13:35 IST

PRIORITY CAPTURE: decode RBI (Rural Co-operative Banks - Governance) Directions - Board constitution & governance, banker-native (conceptual Co-pilot/Deal-Structurer entry; ZERO contested numbers; every composition/tenure/threshold told to confirm on official source; does NOT assert the specific 28 Nov 2025 notification text/dates; RBI source + Vikram Jain attribution)

20 Jun 2026, 13:30 IST

Flagship Compliance Co-pilot scenario #90 - money-changing & remittance operations under Master Direction Money Changing Activities + Master Direction Other Remittance Facilities: permitted money-changing transactions, encashment certificates/receipts, agent/franchisee model, LRS-linked outward remittance facilities, KYC/AML, returns & audit; additive, conceptual, ZERO contested numbers (every limit/threshold/timeline told to confirm on official source; does NOT assert specific April-2026 amendment text/dates), RBI source + Vikram Jain attribution

20 Jun 2026, 13:28 IST

Flagship Compliance Co-pilot scenario #89 - appointment/renewal as an Authorised Person (money-changing & remittance) under the FEMA Authorised Persons framework: authorisation gate (AD Cat-I/II, FFMC/AMC), eligibility & net-owned-funds, KYC/AML, scope of permitted forex activities, reporting, renewal/conduct; additive, conceptual, ZERO contested numbers (every eligibility/NOF/limit/timeline told to confirm on official source; does NOT assert the specific FEMA 401/2026-RB notification), RBI source + Vikram Jain attribution

20 Jun 2026, 13:23 IST

Flagship Compliance Co-pilot scenario #88 - Special Rupee Vostro Account (SRVA) for international trade settlement in Indian Rupees under the RBI framework: AD Cat-I bank obtains prior RBI approval, opens an SRVA for the partner-country correspondent bank, KYC/AML on the correspondent, INR invoicing & settlement, permitted use of balances (trade, investment, projects), reporting & FEMA compliance; additive, conceptual, ZERO contested numbers (every approval, limit and timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 13:08 IST

Co-pilot scenario #87: Wilful Defaulter classification & reporting (RBI MD on Wilful & Large Defaulters)

20 Jun 2026, 13:01 IST

Co-pilot scenario #86 - Declaration of Dividend by Banks

20 Jun 2026, 12:56 IST

Flagship Compliance Co-pilot scenario #85 - Positive Pay System (PPS) for high-value cheques under the RBI / NPCI cheque-truncation (CTS) framework: issuer re-confirms date/payee/amount/cheque-number above a value threshold via any channel, CTS cross-checks the presented cheque and flags mismatches for redress before payment, customer awareness + non-registration consequence disclosed, wired into fraud-risk/cheque-collection/grievance/Ombudsman; additive, conceptual, ZERO contested numbers (threshold/cut-offs/channels told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:52 IST

Flagship Compliance Co-pilot scenario #84 - Safe Deposit Locker allotment & agreement under the revised RBI Safe Deposit Locker / Safe Custody framework (board-approved RBI-model locker agreement, transparent waiting list, permitted term-deposit security with no tying, access logging + email/SMS alerts, bank liability capped at a multiple of annual rent, nomination + notice-then-break-open + surrender); additive, conceptual, ZERO contested numbers (every rent/deposit limit/liability multiple/timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:48 IST

Flagship Compliance Co-pilot scenario #83 - Lead Bank Scheme & District Credit Plan (RBI Lead Bank Scheme: lead-bank/LDM convenor, BLBC/DCC/DLRC/SLBC review forums, Annual/District Credit Plan, banking-outlet coverage & financial inclusion); additive, conceptual, ZERO contested numbers (every cadence/allocation/coverage norm told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:43 IST

Flagship Compliance Co-pilot scenario #82 - Video-based Customer Identification Process (V-CIP) for remote customer onboarding under the RBI KYC Master Direction: officer-led live video with liveness/face-match, OTP-based Aadhaar/Offline-XML or other OVD capture, geotagging + clear audio-video, concurrent audit and STR-grade record-keeping; additive, conceptual, ZERO contested numbers (every control/threshold told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:37 IST

Flagship Compliance Co-pilot scenario #81 - Counterfeit-note detection & impounding + soiled/mutilated note exchange under the RBI Clean Note Policy / Note Refund Rules; additive, conceptual, ZERO contested numbers (every adjudication value/impounding count/exchange ceiling told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:31 IST

RBI Surplus Transfer (annual dividend to Govt) + RBI balance-sheet size dashboard — new filterable RBI Statistics dashboard at /dashboards/rbi-surplus-transfer/, rounded & approximate, official source + Vikram Jain attribution, not in verified ledger

20 Jun 2026, 12:25 IST

Flagship Compliance Co-pilot scenario #80 - Cheque Collection Policy under the RBI customer-service framework: local vs outstation collection, immediate credit of outstation instruments up to a board-set limit, delayed-collection interest/compensation, and lost-in-transit handling; additive, conceptual, ZERO contested numbers (every limit/TAT/rate told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:24 IST

Flagship Compliance Co-pilot: catch agent-native JSON up to #78 (nomination) + add scenario #79 - doorstep banking for senior citizens & differently-abled persons under the RBI customer-service framework; additive, conceptual, ZERO contested numbers (age eligibility/charges/TAT told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:14 IST

Flagship Compliance Co-pilot scenario #78 - Nomination facility for deposit accounts, lockers & safe-custody articles under the RBI nomination framework: single nominee per account/locker, prescribed nomination/variation/cancellation forms, nominee as trustee for legal heirs (not absolute owner), simplified settlement to nominee on death, and disclosure; additive, conceptual, ZERO contested numbers (every form name/limit told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:08 IST

Flagship Compliance Co-pilot scenario #77 - Engaging a Business Correspondent (BC) to run a banking outlet under the RBI guidelines on engagement of Business Correspondents/Business Facilitators: due diligence on the BC, permissible doorstep services with the bank as principal, customer-protection (no extra charges, receipts, cash reconciliation/settlement), and bank liability + supervision + grievance route; additive, conceptual, ZERO contested numbers (every cap/distance/settlement timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 12:02 IST

Flagship Compliance Co-pilot scenario #76 - Harmonisation of TAT (Turn Around Time) & customer compensation for failed transactions on authorised payment systems: auto-reversal of failed/declined electronic transactions where the account was debited but the beneficiary not credited (ATM, UPI, IMPS, card, AePS, NEFT/RTGS, e-mandate), within the prescribed TAT, with compensation for delay beyond TAT and a dispute/grievance route; additive, conceptual, ZERO contested numbers (every TAT window/per-day compensation amount told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:57 IST

Flagship Compliance Co-pilot scenario #75 - Reset of floating interest rate on EMI-based personal loans

20 Jun 2026, 11:52 IST

Flagship Compliance Co-pilot scenario #74 - Recurring e-mandate (auto-debit) under the RBI framework for processing of e-mandates/recurring transactions: one-time AFA registration with a defined cap/frequency/validity, advance pre-debit notification before each charge, AFA on every recurring debit except within the RBI-specified exemption value limit, and instant modify/cancel + disclosure + dispute routing; additive, conceptual, ZERO contested numbers (AFA-exemption limit/notification lead-time/controls told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:50 IST

Flagship Compliance Co-pilot scenario #74 - Securitisation of Standard Assets (SSA) under the RBI Master Direction on Securitisation of Standard Assets: true sale to a bankruptcy-remote SPE, Minimum Retention Requirement (MRR) skin-in-the-game, Minimum Holding Period (MHP) seasoning, credit enhancement + capital treatment, and disclosure; additive, conceptual, ZERO contested numbers (every MRR%/MHP/threshold told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:46 IST

Flagship Compliance Co-pilot scenario #73 - Positive Pay System (PPS) for high-value cheques under CTS: customer pre-confirms key cheque details (number, date, payee, amount) which the bank matches before payment; opt-in/mandatory above an RBI-set threshold; mismatch handling + dispute; additive, conceptual, ZERO contested numbers (threshold/cutoffs told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:41 IST

Flagship Compliance Co-pilot scenario #72 - Internal Ombudsman (IO) under the RBI Internal Ombudsman framework: independent fixed-tenure IO, automatic referral of rejected complaints before customer reply, act-on-decision + disclosure, Board oversight + RBI reporting, internal layer preceding the RBI Ombudsman; additive, conceptual, ZERO contested numbers (every threshold/tenure/timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:31 IST

Flagship Compliance Co-pilot scenario #71 - Classifying & valuing the investment portfolio (HTM/AFS/FVTPL) under the revised RBI Investment Classification framework: up-front business-model + cash-flow classification, per-bucket valuation (HTM at cost; AFS to equity AFS-Reserve; FVTPL/HFT through P&L), restricted reclassification, board-approved investment policy + disclosure; additive, conceptual, ZERO contested numbers (told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:25 IST

Flagship Compliance Co-pilot scenario #70 - Green Deposits under the RBI Framework for Acceptance of Green Deposits: board-approved Financing Framework, eligible green use-of-proceeds taxonomy, third-party verification + impact assessment, and disclosure/reporting; additive, conceptual, ZERO contested numbers (every threshold/allocation/timeline told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:20 IST

Flagship Compliance Co-pilot scenario #69 - Credit Information Reporting to CICs (CIBIL/Experian/Equifax/CRIF) under the Credit Information Companies (Regulation) Act 2005 + RBI directions: accurate fortnightly data submission, data-correction/grievance duties, consumer access to credit reports, and CIC alerts; additive, conceptual, ZERO contested numbers (cadence/free-report frequency/timelines told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:15 IST

Flagship Compliance Co-pilot scenario #68 - Microfinance loan under the RBI (Regulation of Microfinance Loans) Directions 2022: lender-agnostic collateral-free household-income-based lending with board-set repayment-capacity cap, transparent non-usurious pricing + factsheet, and borrower-protection conduct/CIC reporting; additive, conceptual, ZERO contested numbers (every income ceiling/cap%/norm told to confirm on official source), RBI source + Vikram Jain attribution

20 Jun 2026, 11:10 IST

Flagship Compliance Co-pilot scenario #67 - NBFC Scale-Based Regulation (SBR): the four-layer (Base/Middle/Upper/Top) tiered NBFC framework

20 Jun 2026, 11:05 IST

Platform coverage & quality improvement

20 Jun 2026, 11:01 IST

Flagship Compliance Co-pilot scenario #65 - Prepaid Payment Instruments (PPI / wallets / prepaid cards) under the RBI Master Direction on PPIs

20 Jun 2026, 10:57 IST

Flagship Compliance Co-pilot scenario #64 - Card-on-File Tokenisation (CoFT): replacing stored card numbers with network tokens

20 Jun 2026, 10:52 IST

Flagship Compliance Co-pilot scenario #63 - Storage of Payment System Data (data localisation)

20 Jun 2026, 10:46 IST

Flagship Compliance Co-pilot scenario #62 - RBI Risk-Based Supervision (RBS) supervisory cycle: the umbrella examination that capital(#48)/ICAAP-SREP(#59)/RBIA(#56)/Pillar3(#61)/CRILC-SMA(#60) all feed - model -> furnish supervisory returns reconciled to audited accounts -> risk-based supervisory rating + monitorable action plan -> remediate/track closure with PCA/enforcement escalation; additive, conceptual, NO contested numbers (every return/rating-scale/threshold/timeline told to confirm on official source), RBI source + Vikram Jain attribution; nav chip + synced copilot-scenarios.json API (61->62); publisher.py + api.py ast-validated, .bak backups; edge HTTP 200 verified on /, /copilot/ and /api/copilot-scenarios.json (count=62)

20 Jun 2026, 10:42 IST

Flagship Compliance Co-pilot scenario #61 - Basel III Pillar 3 (market-discipline) disclosures

20 Jun 2026, 10:34 IST

Flagship Compliance Co-pilot scenario #60 - CRILC large-credit reporting + SMA early-warning ladder

20 Jun 2026, 10:30 IST

Flagship Compliance Co-pilot scenario #59 - ICAAP / Pillar 2 SREP (Internal Capital Adequacy Assessment Process)

20 Jun 2026, 10:26 IST

Flagship Compliance Co-pilot scenario #58 - Basel III Net Stable Funding Ratio (NSFR) structural liquidity

20 Jun 2026, 10:21 IST

Flagship Compliance Co-pilot scenario #57 - Basel III Leverage Ratio (LR) backstop

20 Jun 2026, 10:15 IST

Flagship Compliance Co-pilot worked scenario #56: standing up the bank's Risk-Based Internal Audit (RBIA) function as the independent third line of defence under the RBI framework - ACB-approved internal-audit charter & independence -> risk-assessed audit universe & risk-based audit plan (inherent risk x control strength) -> execution, risk rating & ACB reporting with issue-closure tracking + concurrent/IS audit -> independence safeguards, quality assurance & RBI supervisory interface; pairs with operational resilience (#54) + capital (#48); additive, conceptual, NO contested numbers (every periodicity/applicability/scope told to confirm on official source), RBI source + Vikram Jain attribution; + nav chip + synced copilot-scenarios.json API (55->56); publisher.py + api.py ast-validated, .bak backups written; edge HTTP 200 verified on /, /copilot/ and /api/copilot-scenarios.json (count=56)

20 Jun 2026, 10:15 IST

Flagship Compliance Co-pilot scenario #56 - Risk-Based Internal Audit (RBIA)

20 Jun 2026, 10:10 IST

Flagship Compliance Co-pilot scenario #55 - climate-related financial risk under the RBI framework

20 Jun 2026, 10:05 IST

Flagship Compliance Co-pilot worked scenario #54: standing up the bank's operational-risk & operational-resilience posture under the RBI framework - board-approved op-risk framework on the three-lines-of-defence model -> map critical operations & set impact tolerances -> tested BCP/DR + third-party resilience -> incident management, scenario testing & RBI incident reporting; the broad resilience backbone pairing with cyber (#46) + outsourcing (#47); additive, conceptual, NO contested numbers (every tolerance/objective/reporting window told to confirm on official source), RBI source + Vikram Jain attribution; + nav chip + synced copilot-scenarios.json API (53->54); publisher.py + api.py ast-validated, .bak backups written; edge HTTP 200 verified on / and /copilot/ and /api/copilot-scenarios.json

20 Jun 2026, 10:00 IST

Flagship Compliance Co-pilot worked scenario #53: what happens when a stressed bank cannot be restored under PCA and is resolved - RBI/Government places the bank under a moratorium under the Banking Regulation Act, depositors are protected by DICGC deposit insurance up to the prescribed per-depositor-per-bank limit, and the bank is resolved via amalgamation/merger or a resolution scheme; conceptual, no contested numbers (moratorium duration, DICGC limit/payout window all told to confirm on official source), RBI source + Vikram attribution; pairs with PCA + deposit-insurance dashboard; + nav chip + sync api (52->53)

20 Jun 2026, 09:55 IST

Flagship Compliance Co-pilot worked scenario #52: how an unresolved/rejected customer complaint escalates through the bank's independent Internal Ombudsman and then the RBI Integrated Ombudsman Scheme (RB-IOS) - rejection/partial-resolution auto-routes via Internal Ombudsman -> dissatisfied customer files FREE with RBI Ombudsman -> conciliation then binding Award with compensation -> comply in prescribed time with right of appeal; bank must display scheme + name Principal Nodal Officer; escalation backstop to grievance-redressal #25 + unauth-txn #41; additive, conceptual, no contested numbers (timelines/compensation ceilings/categories told to confirm on official source), RBI source + Vikram attribution; + nav chip + sync copilot-scenarios.json API (51->52); edge HTTP 200 verified

20 Jun 2026, 09:54 IST

Flagship Compliance Co-pilot worked scenario #51: what happens when a bank breaches its prudential thresholds and is placed under the RBI Prompt Corrective Action (PCA) Framework - monitor prescribed capital/asset-quality/leverage risk indicators -> breach triggers a graded PCA risk category -> mandatory (dividend/profit-remittance curbs) + discretionary (branch/lending/growth limits, higher provisioning, governance steps) corrective actions conserve capital & de-risk -> restore indicators and exit PCA; the supervisory backstop to the capital(CRAR)/LCR&NSFR/IRRBB prudential cluster; additive, conceptual, no contested numbers (every threshold/indicator/action told to confirm on official source), RBI source + Vikram attribution; + nav chip + sync copilot-scenarios.json API (50->51); edge HTTP 200 verified

20 Jun 2026, 09:50 IST

Flagship Compliance Co-pilot scenario #50: Interest Rate Risk in the Banking Book (IRRBB)

20 Jun 2026, 09:47 IST

Flagship Compliance Co-pilot worked scenario #49: managing the bank's short-term liquidity under the RBI Basel III Liquidity Standards (LCR + NSFR) - HQLA >= net 30-day stressed outflows so LCR stays above the minimum; NSFR >= floor so long-term assets are backed by stable funding; board liquidity-risk appetite + stress testing + contingency funding plan; RBI reporting/disclosure; HQLA drawdown permitted in genuine stress if RBI informed & ratio restored; additive, conceptual, no contested numbers (LCR/NSFR minima, HQLA haircuts, run-off/inflow rates told to confirm on official source), RBI source + Vikram attribution; pairs with CRR&SLR + capital (CRAR); + nav chip + sync copilot-scenarios.json API (48->49)

20 Jun 2026, 09:42 IST

Flagship Compliance Co-pilot worked scenario #48: maintaining the bank's capital adequacy (CRAR) under the RBI Basel III Capital Framework (RWA -> CRAR above the minimum -> tiered capital CET1/AT1/Tier2 each with its own floor -> Capital Conservation Buffer + countercyclical + D-SIB surcharge, breach restricts dividends/buybacks -> ICAAP Pillar 2 + leverage-ratio backstop + board oversight + RBI reporting/Pillar 3); additive, conceptual, no contested numbers (every ratio/risk weight/buffer told to confirm on official source), RBI source + Vikram attribution; + nav chip + sync copilot-scenarios.json API (47->48)

20 Jun 2026, 09:38 IST

Flagship Compliance Co-pilot scenario #47: Outsourcing of financial services under the RBI Outsourcing Directions (board-approved outsourcing policy; material vs non-material; due diligence + risk assessment; the bank stays fully accountable and cannot outsource core management/decision functions; contractual RBI access/audit rights, data confidentiality, BCP + exit plan, grievance ownership stays with the bank) + missing cyber nav chip; + sync copilot-scenarios.json API (46->47)

20 Jun 2026, 09:29 IST

Flagship Compliance Co-pilot worked scenario #46: standing up the bank's cyber-security & resilience posture under the RBI Cyber Security Framework (board-approved cyber policy graded to risk -> baseline controls + CISO + SOC/continuous surveillance -> detect/contain/report cyber incidents to RBI within the prescribed window via the Cyber Crisis Management Plan -> VAPT/gap-assessment, board oversight, third-party & customer-awareness); additive, conceptual, no contested numbers (incident-reporting window/tiering told to confirm on official source), RBI source + Vikram attribution; + sync copilot-scenarios.json API (45->46)

20 Jun 2026, 09:19 IST

Flagship Compliance Co-pilot worked scenario #45: levying penal charges on a loan default under the RBI Fair Lending Practice - Penal Charges in Loan Accounts directions (penal CHARGE not penal interest, no capitalisation, reasonable/board-policy/non-discriminatory, disclosed in agreement+KFS+website+reminders, carve-outs for cards/ECB/trade-credit, grievance+Ombudsman backstop); additive, conceptual, no contested numbers (quantum/caps/scope told to confirm on official source), RBI source + Vikram attribution; + sync copilot-scenarios.json API (44->45)

20 Jun 2026, 09:15 IST

Flagship Compliance Co-pilot worked scenario #44: opening & maintaining a Basic Savings Bank Deposit Account (BSBDA) for financial inclusion - eligibility + one-BSBDA-per-customer rule -> KYC full or Small Account on relaxed KYC with prescribed caps -> free basic-services bundle with no minimum balance + prescribed free withdrawals -> DICGC-insured, feeds FI-Index, Fair Practices + grievance redressal; additive, conceptual, no contested numbers (one-account conditions/Small-Account limits/free-withdrawal count/charges told to confirm on official source), RBI source + Vikram attribution; links FI-Index + Deposit Insurance dashboards; + sync copilot-scenarios.json API (43->44)