Central Exam — Bank PO / Clerk / RBI
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Showing 361–370 of 494 questions
Q.361 Medium General Awareness
As per the latest RBI regulations (2024), what is the minimum Capital to Risk-Weighted Assets Ratio (CRAR) requirement for Scheduled Commercial Banks?
A 9.5%
B 10.5%
C 11.5%
D 12.5%
Correct Answer:  B. 10.5%
Explanation:

RBI mandates a minimum CRAR of 10.5% for Scheduled Commercial Banks, which includes Common Equity Tier 1 (CET1), Additional Tier 1, and Tier 2 capital.

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Q.362 Easy General Awareness
Which of the following is NOT a component of Broad Money (M3) in India?
A Currency with the public
B Demand deposits with banks
C Time deposits with banks
D Cryptocurrencies held by individuals
Correct Answer:  D. Cryptocurrencies held by individuals
Explanation:

M3 includes currency, demand deposits, and time deposits with banks. Cryptocurrencies are not included in the official money supply measurement by RBI.

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Q.363 Easy General Awareness
The RBI's Repo Rate as of 2024-2025 is maintained at which level by the Monetary Policy Committee?
A 4.5%
B 5.5%
C 6.0%
D 6.5%
Correct Answer:  D. 6.5%
Explanation:

As per the latest RBI Monetary Policy (2024), the Repo Rate has been maintained at 6.5% with a focus on managing inflation while supporting growth.

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Q.364 Easy General Awareness
Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), what is the maximum life insurance cover provided to account holders?
A Rs. 30,000
B Rs. 100,000
C Rs. 200,000
D Rs. 500,000
Correct Answer:  C. Rs. 200,000
Explanation:

PMJDY provides accidental death insurance cover of Rs. 2 lakhs (Rs. 200,000) to all beneficiaries who open accounts under the scheme.

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Q.365 Medium General Awareness
Which bank has been designated as the Wholly-Owned Subsidiary (WOS) of Reserve Bank of India in 2024?
A RBI Payments Private Limited
B National Housing Bank
C NABARD
D State Bank of India
Correct Answer:  A. RBI Payments Private Limited
Explanation:

RBI Payments Private Limited operates as a wholly-owned subsidiary of the Reserve Bank of India, managing critical payment infrastructure.

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Q.366 Easy General Awareness
What is the primary objective of the Basel Accords framework adopted by Indian banks?
A To maximize bank profits
B To ensure financial stability and prudent risk management
C To reduce interest rates for borrowers
D To increase foreign exchange reserves
Correct Answer:  B. To ensure financial stability and prudent risk management
Explanation:

Basel Accords (I, II, III) aim to strengthen the regulation, supervision, and risk management of banks to ensure financial stability.

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Q.367 Medium General Awareness
Under the RBI's Inflation Targeting Framework, what is the target inflation range for consumer price inflation?
A 2% to 4%
B 2% to 6%
C 3% to 5%
D 4% to 6%
Correct Answer:  B. 2% to 6%
Explanation:

The RBI targets a Consumer Price Index (CPI) inflation of 4% with a tolerance band of +/- 2%, resulting in a 2-6% target range.

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Q.368 Medium General Awareness
Which of the following best describes the 'Statutory Liquidity Ratio' (SLR) maintained by banks?
A Percentage of deposits to be maintained as cash reserves with RBI
B Percentage of deposits to be invested in government securities and approved securities
C Percentage of capital to risk-weighted assets
D Percentage of advances given to priority sector
Correct Answer:  B. Percentage of deposits to be invested in government securities and approved securities
Explanation:

SLR requires banks to maintain a certain percentage of their net demand and time liabilities in the form of liquid assets like government securities.

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Q.369 Easy General Awareness
What is the current CRR (Cash Reserve Ratio) maintained by Scheduled Commercial Banks with RBI (2024-2025)?
A 3.5%
B 4.0%
C 4.5%
D 5.0%
Correct Answer:  C. 4.5%
Explanation:

The Cash Reserve Ratio is maintained at 4.5% of Net Demand and Time Liabilities (NDTL) as per RBI's current monetary policy stance.

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Q.370 Medium General Awareness
Which regulatory framework ensures that banks maintain adequate capital buffers above minimum requirements?
A Basel I Framework
B Basel III Framework (Capital Conservation Buffer and Countercyclical Buffer)
C Dodd-Frank Act
D Payment and Settlement Systems Act
Correct Answer:  B. Basel III Framework (Capital Conservation Buffer and Countercyclical Buffer)
Explanation:

Basel III introduced the Capital Conservation Buffer (2.5%) and Countercyclical Buffer to ensure banks maintain capital above minimum levels during good times.

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