Important Ibps RRB Financial Awareness Questions Part-I: All Ixambee Mock Tests Are Free Please Visit

Important IBPS RRB Financial Awareness Questions Part-I
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1. Consumer Price Index (CPI) combined has been published monthly by which of the following
agency?
a) Office of labour bureau

b) Central Statistical Office (CSO)
c) Department of Economic Affairs
d) Department of Revenue
e) Department of Commerce & Industry
Answer: B
CPI-Rural: This index measures the changes in price of commodity basket consumed by rural population
CPI-Urban: This index measures the changes in price of commodity basket consumed by urban population
CPI-Combined: It is computed by combining CPI-Rural and CPI-Urban
The base year for the above 3 indices is 2011-12 and are published monthly by Central Statistical Office
(CSO) for all India as well as States and Union Territories.
2. What is the minimum retention period for investments made by FPIs under the Voluntary Retention
Route’ (VRR) scheme introduced in March 2019?
a) 6 months
b) 12 months
c) 2 years
d) 3 years
e) 5 years
Ans. D
Voluntary Retention Route’ (VRR) is introduced to encourage Foreign Portfolio Investors (FPIs) to undertake
long-term investments in Indian debt markets. Under this scheme, FPIs have been given greater operational
flexibility in terms of instrument choices besides exemptions from certain regulatory requirements
• The objective of the VRR channel is to attract long-term and stable FPI investments into debt markets
while providing FPIs with operational flexibility to manage their investments.
• The aggregate investment was Rs.40,000 crores for VRR-Govt. and Rs.35,000 crores for VRR-Corp.
(was open for allotment from March 11, 2019 to April 30, 2019)
• New category of VRR-combined of Rs. 54,606.55 crore is open from May 27, 2019 till Dec 31, 2019
• The minimum retention period shall be 3 years. During this period, FPIs shall maintain a minimum
of 75% of the allocated amount in India. At completion of the minimum retention period of three years, the
FPI can opt to continue investing for another three years or opt to liquidate the portfolio and exit.
3. National Pension Scheme is administered by ______
a) PFRDA
b) EPFO
c) RBI
d) SEBI
e) IRDA
Ans. A
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NPS is administered and regulated by Pension Fund Regulatory and Development Authority (PFRDA).
It is a voluntary, defined contribution retirement savings scheme designed to enable the subscribers to make
optimum decisions regarding their future through systematic savings during their working life.
4. Who has been appointed as the NHB head recently (July 2019)?
a) Sriram Kalyanaraman
b) Dakshita Das
c) Sarada Kumar Hota
d) Arundhati Bhattacharya
e) M Ravi Kanth
Ans.C
National Housing Bank (NHB) has a new Managing Director in Sarada Kumar Hota. He has been appointed by
the Appointments Committee of the Cabinet in July 2019 for a period of three years.
Prior to this appointment, he was Managing Director and Chief Executive Officer of Can Fin Homes.
NHB had been headless since August 2018 when the former MD Sriram Kalyanaraman was forced to step
down. Rakshita Das, additional secretary in the finance ministry, was holding additional charge as the
Managing Director of NHB, which is now wholly owned by the Government.
5. In the budget2019, government has proposed to enable stock exchanges to allow certain corporate
bonds to be used as collaterals. Which bonds are these?
a) AAA bonds
b) AA bonds
c) NBFC bonds
d) PSU banks bonds
e) Bonds of Nifty 50 stocks
Ans. B
In an effort to deepen corporate tri-party repo market in corporate debt securities, the government proposed in
the Budget 2019 to work with the RBI and Sebi to enable stock exchanges to allow AA rated bonds as
collateral.
The budget also proposes user-friendliness of trading platforms for corporate bonds to be reviewed.
6. The World Bank retained its forecast of India’s growth rate at _______________ for the current
financial Year 2019-20.
a) 7.1%
b) 7.6%
c) 7.2%
d) 7.5%
e) 7.0%
Ans: D

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The World Bank retained its forecast of India’s growth rate at 7.5% for the current financial Year 2019/20. In its
Global Economic Prospects report, the World Bank also mentioned that growth rate is expected to remain the
same for the next two fiscals.
7. The report on ‘Benchmarking India’s Payment Systems’ which was released mentions that the
country is “strong” in areas like having necessary laws and cash in circulation per capita. Which
organisation has releases the report on ‘Benchmarking India’s Payment Systems’?
a) SEBI
b) Finance Ministry
c) NABARD
d) RBI
e) IRDAI
Ans: D
The report on ‘Benchmarking India’s Payment Systems’ which was released mentions that the country is
“strong” in areas like having necessary laws and cash in circulation per capita. The report provides a
comparative position of the payment system ecosystem in India relative to comparable payment systems and
usage trends in other major countries. The report adds that India needs to make more efforts to decrease the
volume of paper clearing and increase acceptance infrastructure to promote digital payments. RBI Releases
Report On ‘Benchmarking India’s Payment Systems’.
8. What is the inflation target range of the RBI currently (July 2019)?
a) 2-4%
b) 4-6%
c) 2-6%
d) 2-5%
e) 3-5%
Ans. C
The RBI Act provides for the inflation target to be set by the Government of India, in consultation with the
Reserve Bank, once every five years.
The Central Government has notified 4% CPI inflation as the target for the period from August 5, 2016, to
March 31, 2021, with the upper and lower tolerance limit of 6% and 2% respectively.
9. Which of the following local area bank has converted to a small finance bank?
a) Coastal Local Area Bank
b) Capital Local Area Bank
c) Krishna Bhima Samruddhi LAB
d) Subhadra local Bank
e) None of the above
Ans. B
Capital Small Finance Bank Limited started operations as India's 1st Small Finance Bank on April 24, 2016
after conversion from Capital Local Area Bank.

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10. In Feb 2019, few of the RRBs were merged in Punjab and Bihar. Who is the sponsor bank of the
RRBs in Punjab and Bihar with whom other RRBs were merged?
a) SBI
b) PNB
c) Uco Bank
d) Bank of India
e) Bank of Baroda
Ans. B
Consolidation in the regional rural banks (RRB) space is gathering steam. RRBs sponsored by Punjab
National Bank in Punjab and Bihar have grown bigger with effect from January 1, 2019.
As part of the state-level consolidation push by the government, two RRBs -- Malwa Gramin Bank (sponsor:
State Bank of India) and Sutlej Gramin Bank (Punjab & Sind Bank) -- have been amalgamated with Punjab
Gramin Bank (PNB), and Uttar Bihar Gramin Bank (UCO Bank) has been amalgamated with Madhya Bihar
Gramin Bank (PNB).
While the consolidated RRB in Punjab is called Punjab Gramin Bank, with headquarters at Kapurthala, the one
in Bihar has been rechristened as Dakshin Bihar Gramin, with headquarters at Patna.
PNB is the sponsor of three other RRBs -- Sarva Haryana Gramin Bank, Rohtak (Haryana); Himachal Pradesh
Gramin Bank, Mandi (Himachal Pradesh); and Sarva UP Gramin Bank, Meerut (Uttar Pradesh). Following the
amalgamation, the number of RRBs in the country has come down from 56 to 53.
11. Which amongst the following, sponsors a Regional Rural Bank?
a) Non-scheduled Banks
b) Urban Cooperative Banks
c) Nationalized Commercial Bank
d) Reserve Bank of India
e) NABARD
Ans: c
RRBs are sponsored by Nationalized Commercial Banks.
RRB can be sponsored by any commercial bank, PSU or private bank. The sponsor Bank looks after day to
day management of the RRB. RRBs like any other commercial banks (PSBs or PVT sector banks) are
governed by Banking Regulation Act, RBI Act and other guidelines issued by Ministry of Finance, Govt. of
India.
• The Regional Rural Banks are owned by the Central Government, the State Government and the
Sponsor Bank (Any commercial bank can sponsor the regional rural banks) who held shares in the
ratios as follows :
• Central Government – 50%, State Government – 15% and Sponsor Banks – 35%.
Each RRB has a Board of Directors consisting of nine members headed by the Chairman, who generally
belongs to the Sponsor Bank.

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12. BSBDA stands for _________
a) Basic Services Bank Deposit Account

b) Bank Saving Basic Deposit Account
c) Bank Services Basic Deposit Account
d) Bank Suvidha Basic Deposit Account
e) Basic Saving Bank Deposit Account
Ans: e
The Basic Savings Bank Deposit Account (BSBDA) was designed as a savings account which will offer certain
minimum facilities, free of charge, to the holders of such accounts.
13. Which of the following is NOT true about CRR and SLR?
a) CRR is cash reserve ratio that stipulates the percentage of money or cash that banks are required to
keep with RBI
b) SLR is statutory liquidity ratio and specifies the percentage of money a bank has to maintain in the
form of cash, gold, and other approved securities
c) While banks themselves maintain SLR in liquid form, CRR is with RBI maintained as cash.
d) CRR controls liquidity in economy while SLR regulates credit growth in the country
e) While SLR is expressed as a percentage of Net demand and time liabilities, CRR is expressed as a
percentage of total deposits.
Ans: e
Both CRR and SLR are expressed as a percentage of NDTL.
14. When a firm needs short-term funds for a specific purpose, the bank loan will likely be a:
a) compensating balance
b) revolving credit agreement
c) transaction loan
d) line of credit
e) term loan
Ans: 3
A loan extended by a bank for a specific purpose is a transaction loan. In India such terminology is rarely used
by banks. In India, the short term loans are usually in nature of working capital loans; however there can be
short-term corporate loans taken by companies for certain purposes.
Lines of credit and revolving credit agreements involve loans that can be used for various purposes; these are
also referred to as the working capital loans.
A compensating balance is a minimum balance that must be maintained in a bank account, used to offset the
cost incurred by a bank to set up a business loan. For example, a company has a Rs.5 cr line of credit with a
bank. The borrowing agreement states that the company will maintain a compensating balance in an account
at the bank of at least Rs.10lakh. When the two sides of the arrangement are netted, the loan is actually
Rs.4.90 cr

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A term loan is a long-term loan for specific purposes, usually for capital expenditure.
A loan extended by a bank for a specific purpose is a transaction loan. In India such terminology is rarely used
by banks. In India, the short term loans are usually in nature of working capital loans; however there can be
short-term corporate loans taken by companies for certain purposes.
Lines of credit and revolving credit agreements involve loans that can be used for various purposes; these are
also referred to as the working capital loans.
A compensating balance is a minimum balance that must be maintained in a bank account, used to offset the
cost incurred by a bank to set up a business loan. For example, a company has a Rs.5 cr line of credit with a
bank. The borrowing agreement states that the company will maintain a compensating balance in an account
at the bank of at least Rs.10lakh. When the two sides of the arrangement are netted, the loan is actually
Rs.4.90 cr
A term loan is a long-term loan for specific purposes, usually for capital expenditure.
15. The state governments have a ______ stake in regional rural banks (RRB).
a) 0%
b) 10%
c) 15%
d) 35%
e) 50%
Ans: c
The RRBs are owned by three entities with their respective shares as follows:
• Central Government → 50%

• State government → 15%
• Sponsor bank → 35%
16. RTGS is one of the funds transfer mechanisms used by banks to transfer money. What does RTGS
stand for?
a) Real time gross payment system

b) Rare time gross payment system
c) Real time gross settlement
d) Rare time gross settlement
Ans: c
RTGS or Real time gross settlement is a funds transfer mechanism for transfer of money from one bank to
another on a “real time” and on “gross” basis. This is the fastest possible money transfer system through the
banking channel. Settlement in “real time” means payment transaction is not subjected to any waiting period.
The transactions are settled as soon as they are processed. “Gross settlement” means the transaction is

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settled on one to one basis without bunching with any other transaction. Considering that money transfer takes
place in the books of the Reserve Bank of India, the payment is taken as final and irrevocable.
17. Finance commission of India came to existence in which year?
a) 1947
b) 1951
c) 1948
d) 1950
Ans: b
18. Which committee reviewed the financial position of all RRB’s in 2010 and recommended for
recapitalization?
a) Chakraborty Committee
b) Nayak Committee
c) Dr. Vyas Committee
d) Sriniwasan Committee
e) Kelkar committee
Ans: a
The Government had constituted a Committee in September 2009 (Chairman: Dr. K. C. Chakrabarty) to study
the level of Capital-to-Risk-Weighted Assets Ratio (CRAR) of RRBs.
The Committee submitted its Report to the Government of India on April 30, 2010. The Committee was also
required to suggest the required capital structure for RRBs given their business level, so that their CRAR is
sustainable and provides for future growth and compliance with regulatory requirements.
Dr. K C Chakrabarty Committee reviewed the financial position of all RRBs in 2010 and recommended for
recapitalisation of 40 out of 82 RRBs for strengthening their CRAR to the level of 9% by 31 March 2012
Note - Capital Adequacy Ratio (CAR), or Capital to Risk (Weighted) Assets Ratio (CRAR), is the ratio of a
bank's capital to its risk. It is a measure of a bank's capital. It is expressed as a percentage of a bank's risk
weighted credit exposures.
19. Which of the following category of assets is not a non-performing asset (NPA) as defined by RBI?
a) Special mention account

b) Sub-standard asset
c) Doubtful asset
d) Loss asset
Ans: a
An account (the advance extended by a bank) is recognised as an NPA (non-performing asset) by the bank for
which the interest and/or principal amount has remained overdue either partly or wholly for a continuous period
of 90 days and above. Before the 90 days, the account is considered standard account. However, to recognise

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early stress and prevent a potential stress account from becoming a NPA, a sub-category of Special Mention
accounts (SMA) is created by banks.
NPA accounts are also categorised into sub-standard, doubtful and loss assets based on for how long they
have remained an NPA account. This categorization of NPAs is done to make adequate provisions by the
bank for the NPA accounts in the vent of non-recovery from these accounts.
The summary of asset categorization is:
1. Standard assets – overdue less than 90 days
1.1. SMA-0 – overdue 0-30 days
1.4. SMA – NF – other non financial factors that indicate stress or irregularities in an account
2. NPA – overdue for 90 days or more
2.1. Sub-standard assets – NPA for up to 12 months
2.2. Doubtful assets – NPA for > 12 months
2.3. Loss assets –non-recoverable
20. Match the following
Set I Set II
A. Small Finance Banks1) At least 75% PSL loans
B. Payment Banks 2) At least 40% PSL loans
C. Scheduled
3) No minimum PSL loans
Commercial Banks
4) At least 75% of deposits

D. NBFCs
in SLR securities
a) A-4, B-3, C-2, D-1

b) A-3, B-4, C-1, D-2
c) A-3, B-1, C-4, D-2
d) A-1, B-4, C-2, D-3
e) A-2, B-4, C-3, D-1
Ans: d
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Small Finance Banks (and also regional rural banks) are required to extend at least 75% of its Adjusted Net
Bank Credit (ANBC) to the sectors eligible for classification as priority sector lending (PSL) by the Reserve
Bank.
The payments bank cannot undertake lending activities.
Apart from amounts maintained as Cash Reserve Ratio (CRR) with RBI on its outside demand and time
liabilities, it will be required to invest minimum 75% of its demand deposit balances in Statutory Liquidity Ratio
(SLR) eligible Government securities/treasury bills with maturity up to one year and hold maximum 25 per cent
in current and time/fixed deposits with other scheduled commercial banks for operational purposes and
liquidity management.
Scheduled Commercial Banks have to extend at least 40% of Adjusted Net Bank Credit to priority sector.
NBFCs in general are under no such regulation to compulsorily lend to priority sector. NBFC-MFI are
required to lend to SHG/JLG, the nature of the business being undertaken by them.
21. Which Bank/Banks accept deposits under the Pradhan Mantri Garib Kalyan Deposit Scheme
(PMGKDS)?
a) Only SBI
b) All Public Sector Banks
c) All banks except RRBs
d) All banks except co-operative banks
e) All scheduled commercial banks
Ans: d
Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS) was introduced in December 2016 as an option of
individuals to declare their undisclosed income so as to convert the black money into white money. The
scheme required people who disclose their income under the concerned taxation section, to deposit at least
25% of the declared undisclosed income.
Application and amount for the deposit (in the form of Bond Ledger Account) shall be received by any banking
company, other than Co-operative Banks, to which the Banking Regulation Act, 1949 (10 of 1949) applies
(Authorised Banks).
Repayment of the deposit will be made after a period of 4 years from the effective date of deposit and no
interest will be paid on this deposit.
22. The Scheme on voluntary transition of Urban Co- operative Bank into a Small Finance Bank
introduced by RBI was based on the recommendations of High-Powered Committee on Urban
Cooperative Banks chaired by ___
a) Sunil Mehta
b) Urjit Patel
c) Sudhir Mankad
d) R.Gandhi
e) Rakesh Mohan
Ans: d

10
NBFC, MFIs, LAB and UCBs can convert into SFBs by following regulatory and minimum constraints defined
by RBI.
2018, In line with the recommendations of R. Gandhi panel (2010): RBI allowed voluntary transition of
UCBs into SFBs.
• Eligibility & Regulations:
➢ UCBs with a minimum net worth of ₹50 crore and a CRAR (credit to risk-weighted assets ratio) of 9 %
and above are eligible for the voluntary transition.
➢ Upon commencement of business, the converted entity must have
➢ A minimum net worth of ₹100 crore and the promoters should hold at least 26 % of the paid-up equity
capital.
➢ Need to maintain a CRAR of 15% on a continuous basis .
➢ Required to comply with all SFB guidelines such as ensuring that 75 % of adjusted net bank credit
(ANBC) goes towards priority sector lending (PSL) and 50 % of the loan portfolio constitutes loans up
to ₹25 lakh.
Pros and Cons when UCB’s voluntary convert into Small Finance Banks.
23. In the wake of IL&FS Fiasco; NBFC’s reforms have been carried out under which now the public
NBFC’s also have to maintain CRAR of ___% which was earlier mandatory only to private NBFC’s in
India.
a) 2.8
b) 15
c) 17
d) 2.5
e) 9
Ans: b
Post IL&FS Crisis: NBFC Reforms
I. Earlier, only privately owned NBFCs had to maintain a minimum Capital to Risk Assets
Ratio (CRAR) of 15% (Tier-1 capital of 10%). Now, the CRAR requirements are applicable to
government NBFCs as well, to be achieved by 2021-22.

11
II. It will ensure both types of NBFCs stand on an equal footing on compliance with
specific RBI rules and will also help in checking NPAs and bankruptcy
III. RBI allowed banks to provide partial credit enhancement (PCE) to bonds issued by
systemically important non-deposit taking NBFCs registered with the RBI and Housing Finance
Companies (HFCs) registered with the National Housing Bank. This will help investors regain their
confidence in the market, post IL&FS crisis.
24. A transaction where financial securities are issued against the cash flow generated from a pool of
assets is called
a) Securitization
b) Credit Default Swaps
c) Credit Linked Notes
d) Total Return Swaps
e) Mutualisation
Ans: a
Securitization is a process by which a company clubs its different financial assets/debts to form a consolidated
financial instrument which is issued to investors. In return, the investors in such securities get interest. Such
financial assets are usually illiquid on its own.
This process enhances liquidity in the market. This serves as a useful tool, especially for financial companies,
as its helps them raise funds. If such a company has already issued a large number of loans to its customers
and wants to further add to the number, then the practice of securitization can come to its rescue. In such a
case, the company can club its assets/debts, form financial instruments and then issue them to investors. This
enables the firm to raise capital and provide more loans to its customers. On the other hand, investors are able
to diversify their portfolios and earn quality returns.
25. What percentage of their total outstanding advances, are RRBs to lend to the sectors eligible for
classification as priority sector lending and sub sector targets?
a) 40%
b) 25%
c) 75%
d) 50%
e) 20%
Ans: c
RRB’s Priority Sector Lending Targets as per RBI
o As directed by RBI all RRB’s has to lend 75 % of total outstanding advances to the sectors eligible for
classification as priority sector lending and sub sector targets.
o The categories under priority sector are as follows:
I. Agriculture
II. Micro, Small and Medium Enterprises
III. Export Credit
IV. Education
V. Housing
VI. Social Infrastructure
VII. Renewable Energy
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VIII. Others
Domestic scheduled commercial banks ( excluding Regional Rural Banks and Small Finance Banks ) and
foreign banks with 20 branches and above has to lend 40% of Adjusted Net Bank Credit [ANBC] towards
PSLs.
26. Which of the following market(s) can be sub-divided into primary and secondary market?
a) Money market
b) Capital market
c) Foreign Exchange market
d) Derivative market
e) All of the above
Ans: b
Capital market is the market for the various long term market instruments. It is sub-divided into primary and
secondary market. Primary market is a part of the capital market where the first issue of any debt or equity is
made by a company while secondary market is where already issued instruments are traded between various
participants.
The market for short term instruments is known as the money market.
Forex market deals with trading of foreign exchange currencies.
Derivatives Market is the financial market for derivative instruments like futures, options, swaps, etc.
27. Which of the following organization refinance Regional Rural Banks (RRBs)?
a) RBI
b) SBI
c) NHB
d) NABARD
e) None of these
Ans: d
NABARD work as a refinancing agency in providing short term, medium term and long term refinance to
RRBs.
Reserve Bank of India (RBI) set up the Agricultural Refinance Corporation (ARC) in 1963 to work as a
refinancing agency in providing medium term and long term agricultural credit to support investment credit
needs for agricultural development. In 1975, ARC was renamed as Agriculture Refinance and Development
Corporation (ARDC) to give focussed attention to credit off-take, development and promotion of the
agricultural sector. Upon its formation in 1982, NABARD took over the functions of the erstwhile Agricultural
Credit Department (ACD) and Rural Planning and Credit Cell (RPCC) of RBI and ARDC.

13
28. Which of the following is the variability of the return from a share associated with the market as a
whole?
a) Unsystematic
b) Avoidable
c) Systematic
d) Diversifiable
Ans: c
Systematic risk is associated with the whole market and not specific to any particular investment. It is non-
diversifiable risk.
29. The activities of the bank covering issue and underwriting of shares and debentures for its clients
are known as:
a) Treasury banking
b) Exchange banking
c) Industrial banking
d) Developmental banking
e) Merchant banking
Ans: e
Merchant bank is an institution that covers a wide range of activities such as underwriting of shares, portfolio
management, project counselling, bankers to issue, credit syndication, insurance, etc. They render these
services for a fee. Both commercial and investment banks may engage in merchant banking activities.
30. Match the following:
A. NHB 1. Housing finance
B. RBI 2. Rural development
C. NABARD 3. Cooperative banks
D. SIDBI 4. MSMEs
a) A-1, B-2, C-3, D-4

b) A-3, B-1, C-2, D-4
c) A-1, B-3, C-2, D-4
d) A-1, B-4, C-2, D-3
e) A-4, B-1, C-2, D-3
Ans: c
• NHB (National Housing Bank) is the regulator for housing finance companies in India
• RBI is the central bank and regulates the banking system in India including RRBs and cooperative
banks
• NABARD is the apex institute for agriculture and rural development
14
• SIDBI is the apex institute for promoting, developing and financing MSME (Micro, Small and Medium
Enterprise) sector
For next set of Questions (31-60) Please Prefer Part-II

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a) Office of labour bureau

3. National Pension Scheme is administered by ______

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11. Which amongst the following, sponsors a Regional Rural Bank?

RRBs are sponsored by Nationalized Commercial Banks.

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12. BSBDA stands for _________

a) Basic Services Bank Deposit Account

Both CRR and SLR are expressed as a percentage of NDTL.

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• Central Government → 50%

a) Real time gross payment system

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17. Finance commission of India came to existence in which year?

a) Special mention account

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The summary of asset categorization is:

1. Standard assets – overdue less than 90 days

1.1. SMA-0 – overdue 0-30 days

1.2. SMA-1 – overdue 31-60 days

1.3. SMA-2 – overdue 61-90 days

2. NPA – overdue for 90 days or more

2.1. Sub-standard assets – NPA for up to 12 months

2.2. Doubtful assets – NPA for > 12 months

2.3. Loss assets –non-recoverable

20. Match the following

A. Small Finance Banks1) At least 75% PSL loans

B. Payment Banks 2) At least 40% PSL loans

4) At least 75% of deposits

a) A-4, B-3, C-2, D-1

The payments bank cannot undertake lending activities.

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• Eligibility & Regulations:

Post IL&FS Crisis: NBFC Reforms

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RRB’s Priority Sector Lending Targets as per RBI

Forex market deals with trading of foreign exchange currencies.

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30. Match the following:

A. NHB 1. Housing finance

B. RBI 2. Rural development

C. NABARD 3. Cooperative banks

a) A-1, B-2, C-3, D-4

For next set of Questions (31-60) Please Prefer Part-II

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