Looking for the most important Banking Awareness October 2025 to February 2026 for your upcoming exams? We have analyzed past papers for RBI GRADE B, SBI PO, IBPS PO, SBI CLERK, RBI ASSISTANT, IBPS CLERK & OTHER BANK EXAMS to bring you the 326 most expected questions. Take the live test, review the blueprint, and master the core concepts.
- 🚀 Updated for 2026: Aligned with the latest RBI GRADE B, SBI PO, IBPS PO, SBI CLERK, RBI ASSISTANT, IBPS CLERK & OTHER BANK EXAMS syllabus.
- 🧠 Output & Concept Based: Covers basics to advanced scenarios.
- 📊 Live Gamification: Track your score and time dynamically.
- 📥 Free PDF Notes: Available instantly via our Telegram channel.
Test Blueprint & Topic Weightage
| Section / Topic | Question Range | Difficulty Level |
|---|---|---|
| Capital Adequacy, Basel Norms & Monetary Policy | Q1 – Q40 | Hard |
| Priority Sector, Consumer Protection & Digital Lending | Q41 – Q158 | Easy to Medium |
| KYC, NPAs, Advances & Investment Valuations | Q159 – Q257 | Medium |
| Deposits, Reserve Ratios & Branch Authorisation | Q258 – Q326 | Hard |
⚠️ Examiner Trap Alert: Students frequently confuse the reporting deadlines for the Internal Ombudsman (IO). Remember, the final decision must be communicated to the complainant strictly within 30 days of receiving the complaint, not 45 days. The 45-day rule is an obsolete trap!
Test Blueprint & Topic Weightage
⏱️ Estimated Time: 489 Minutes | 🎯 Target Score: 260+ | 📊 Difficulty: Moderate to Hard
📚 Interactive Question Bank
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✅ | Capital Adequacy, Basel Norms & Monetary Policy
Q1Consider the following statements regarding the Overall and Sectoral Priority Sector Lending (PSL) Target Percentages:Q2Consider the following statements regarding the PSL District Weightage Framework intended to address regional disparities:Q3Regarding asset classification for agricultural advances, which of the following are correct?Q4Which of the following product-specific rules for Non-Performing Asset (NPA) classification are correct?Q5Which of the following best defines the 'Cash Reserve Ratio' (CRR)?Q6What is the 'Statutory Liquidity Ratio' (SLR) in the context of Indian banking?Q7How is the "Video based Customer Identification Process (V-CIP)" treated for the purpose of Customer Due Diligence (CDD)?Q8Which of the following documents is NOT included in the specific definition of "Officially Valid Document" (OVD) for the purpose of verifying identity and address?Q9Consider the following statements regarding the operational framework and utilization of Green Deposits by Commercial Banks:Q10Consider the following statements regarding the regulatory ceilings and compliance mandates for the declaration of dividends by banks:Q11Consider the following statements regarding the revised RBI guidelines on collateral mandates for credit facilities extended to Capital Market Intermediaries (CMIs):Q12Consider the following statements regarding Responsible Lending Conduct and the Key Facts Statement (KFS):Q13Consider the following statements regarding the baseline capital ratios and Capital Conservation Buffer (CCB) mandated for commercial banks under the RBI Basel III framework:Q14Consider the following statements regarding the Leverage Ratio and Additional Capital Buffers prescribed by the Reserve Bank of India:Q15Which of the following statements regarding credit card billing, payment terms, and interest calculations are correct?Q16Which of the following limitations apply to a "Small Account"?Q17Regarding "Money Mules," if it is established that an account opened and operated is that of a Money Mule, but the concerned bank failed to file a Suspicious Transaction Report (STR), what is the specific regulatory consequence?Q18Consider the following statements regarding the regulatory framework and operational timelines of the Depositor Education and Awareness (DEA) Fund:Q19Consider the following statements, regarding the governance and classification framework of a Digital Banking Unit (DBU):Q20According to the general permission for opening banking outlets, what is the minimum percentage of total 'Banking Outlets' opened during a financial year that a domestic scheduled commercial bank must open in Unbanked Rural Centres (URCs)?Q21Regarding the "Customer Acceptance Policy," banks are explicitly prohibited from opening accounts in which of the following manners?Q22According to the Customer Acceptance Policy, how should a bank handle a situation where an existing KYC-compliant customer desires to open another account or avail of a new product?Q23If a bank forms a suspicion of money laundering and reasonably believes that performing the Customer Due Diligence (CDD) process will "tip-off" the customer, it must proceed with the CDD process cautiously.Q24Which of the following correctly matches the "Risk Category" with the mandatory minimum periodicity for KYC updation?Q25Under the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions, a "large defaulter" must have an outstanding amount of at least ₹1 crore.Q26According to the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions, what is the minimum outstanding amount for a "wilful defaulter"?Q27Under the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions, the bank must classify a borrower as a wilful defaulter within what timeframe?Q28Which statements regarding penal measures against wilful defaulters are correct under the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions?Q29Which of the following statements regarding Asset Classification norms and definitions are correct?Q30Which of the following rules governing the mechanics of Asset Classification and Provisioning are correct?Q31Which of the following rules govern Income Recognition and Appropriation of Recoveries?Q32Which of the following statements regarding "Fixed Rate Loans" are correct?Q33Regarding the calculation methodology of the Marginal Cost of Funds based Lending Rate (MCLR), which of the following statements are correct?Q34According to the RBI (Commercial Banks - Interest Rate on Deposits) Directions, 2025, which of the following pairs regarding minimum deposit tenors are correctly matched?Q35What is the interest rate applicable to a Term Deposit that matures and proceeds are left unclaimed with the bank?Q36Which of the following statements is/are correct regarding the legal framework and applicability of the Reserve Bank of India (Commercial Banks - Internal Ombudsman) Directions, 2026?Q37Which of the following statements is/are correct regarding the resolution timelines and communication protocols under the Internal Ombudsman (IO) Scheme in banks?Q38Which of the following statements regarding credit information reporting timelines and data rectification are correct?Q39Which of the following statements regarding the Framework for Compensation to Customers for delayed updation of credit information are correct?Q40Which of the following statements, regarding the classification of 'Banking Outlets' under branch authorisation directions, are correct?
✅ | Priority Sector, Consumer Protection & Digital Lending
Q41Consider the following statements regarding the MSME, Start-ups, and Export Credit Thresholds under priority sector guidelines:Q42Consider the following statements regarding the Housing and Education Priority Sector Lending Ceilings:Q43Since September 15, 2018, what specific detail must a bank incorporate on the face of a Demand Draft, Pay Order, or Banker's Cheque?Q44Banks must put in place an adequate screening mechanism as an integral part of their personnel recruitment process. What is this specific policy called?Q45For a Sole Proprietary firm, if a bank decides to accept only one document as proof of business (instead of the standard two) due to the firm's inability to furnish two, what additional measure is mandatory?Q46Regarding "Assisted V-CIP," which of the following statements correctly describes the role of Business Correspondents (BCs)?Q47Which of the following authorities is mandatory to conduct the Vulnerability Assessment, Penetration Testing, and Security Audit of the V-CIP infrastructure?Q48For opening an account of a Company, which of the following documents is mandatory to obtain as a certified copy?Q49During periodic updation of KYC for an individual customer, if there is a change only in the address details, the bank must verify the declared address through "positive confirmation" within what timeframe?Q50When an account holder who was a minor at the time of account opening becomes a major, the bank is required to obtain fresh photographs and ensure that Customer Due Diligence (CDD) documents are available as per current standards.
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High-Yield Core Concepts
Capital to Risk-Weighted Assets Ratio (CRAR)
The standard metric to measure a bank’s financial stability, calculated as Eligible Total Capital divided by Total Risk-Weighted Assets, per the latest banking regulations.
Domestic Systemically Important Banks (D-SIBs)
Banks perceived as “Too Big to Fail,” requiring higher capital surcharges based on Size, Interconnectedness, Substitutability, and Complexity—a crucial topic in bank exam current affairs.
Asset Classification (NPAs)
An NPA is upgraded to Standard status ONLY if the entire arrears of interest and principal are fully paid by the borrower under RBI master directions.
Cash Reserve Ratio (CRR)
Maintained exclusively as a balance with the Reserve Bank of India earning 0% interest; “Cash on Hand” does not count towards CRR compliance in any financial awareness mock test.
Semantic Comparison
| Feature / Metric | Banking Awareness October 2025 to February 2026 | Static Banking Awareness |
|---|---|---|
| Core Definition | Dynamic, recent financial events and RBI policy updates. | Permanent, foundational banking principles and history. |
| Primary Use Case | Scoring high in the General/Financial Awareness section. | Building base knowledge for interviews and core understanding. |
| Exam Importance | Extremely high (usually covers 70-80% of the section). | Moderate (provides necessary context for current affairs). |
Frequently Asked Questions
Why is Banking Awareness October 2025 to February 2026 critical for RBI GRADE B, SBI PO, IBPS PO, SBI CLERK, RBI ASSISTANT, IBPS CLERK & OTHER BANK EXAMS?
It is a consistently high-scoring area. Examiners frequently repeat core concepts from this section, especially recent RBI circulars, Master Directions, and monetary policy shifts.
Does this mock test cover the full syllabus?
Yes, these 326 questions target the most highly-weighted concepts found in previous years’ papers across 26 distinct regulatory domains.
What are the most repeated topics?
Based on our blueprint, Capital Adequacy (CRAR), NPA classifications, Priority Sector Lending (PSL) limits, and Monetary Policy metrics carry the highest weightage.