The Supreme Court has asked the Reserve Bank of India (RBI) to clarify whether its circulars require banks to provide loan documents and inform borrowers of interest rate changes and annual loan statements. The court made the request during a hearing of Punjab National Bank's appeal against a judgement by the Punjab and Haryana High Court. The High Court had quashed the bank's demand notice and instructed it to classify the borrower's non-performing asset account as standard, as well as refund interest.