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
Select a question to view the expert explanation and answer.
✅ | Priority Sector, Consumer Protection & Digital Lending
Q51Regarding the "Due Notices for Periodic Updation of KYC," what is the minimum number of advance intimations and subsequent reminders a bank must send to a customer before the due date and after the due date, respectively?Q52In the context of customers unable to provide PAN or Form No. 60, "temporary ceasing of operations" in relation to an account is defined as:Q53For accounts opened in non-face-to-face mode (subject to Enhanced Due Diligence), the first transaction must necessarily be a credit from an existing KYC-complied bank account of the customer.Q54Regarding the "Simplified norms for Self Help Groups (SHGs)," which of the following statements are correct?Q55When a bank opens a Non-Resident Ordinary (NRO) account for a foreign student pending address verification, what is the cap on the aggregate withdrawal from such an account during the 30-day period?Q56Regarding the maintenance and preservation of records, which of the following timeframes are correct?Q57Regarding Suspicious Transaction Reports (STRs), banks are explicitly prohibited from taking which of the following actions?Q58According to the guidelines on Secrecy Obligations, in which of the following circumstances is a bank permitted to disclose customer information?Q59The 'Net Demand and Time Liabilities' (NDTL) is the base for calculating CRR and SLR. What does the term 'Net' specifically refer to in this context?Q60For the purpose of CRR maintenance, the relevant NDTL figure is taken from which specific reporting day?Q61Which of the following items is NOT included in the calculation of NDTL for the purpose of CRR/SLR maintenance?Q62Consider the following liabilities of a bank. Which of these are classified as "Time Liabilities"?Q63Identify the INCORRECT statement regarding the daily maintenance of CRR:Q64Evaluate the following statements regarding 'Incremental CRR' (I-CRR):Q65Consider the following:Q66Scenario: A Scheduled Commercial Bank has a required CRR of ₹100 Crore for the current fortnight. On Tuesday (a working day within the fortnight), the bank's actual balance with the RBI stands at ₹88 Crore. What is the regulatory implication?Q67Under Section 24 of the Banking Regulation Act, 1949, banks must maintain SLR in specific forms. Which of the following is NOT a valid form for maintaining SLR?Q68When valuing Gold for the purpose of Statutory Liquidity Ratio (SLR) compliance, which pricing methodology must banks strictly follow?Q69Regarding "State Development Loans" (SDLs) in the context of banking liquidity:Q70Generally, pledging SLR securities to borrow money reduces a bank's SLR compliance. However, there is a specific facility under which banks are permitted to "dip" into their SLR portfolio up to a certain limit to borrow funds without attracting a default penalty. What is this facility called?Q71Identify the INCORRECT statement regarding the classification of securities for SLR:Q72Consider the following:Q73Evaluate the following statements regarding the "Cash" component of SLR:Q74Scenario: 'Bank Beta' has an SLR requirement of ₹200 Crore. It holds ₹198 Crore in unencumbered G-Secs, and ₹5 Crore in G-Secs that it has pledged to the RBI to borrow funds under the standard Repo window (LAF). What is the bank's SLR status?Q75If a bank fails to maintain the required Cash Reserve Ratio (CRR) on any day, it is liable to pay penal interest to the RBI. What is the penal rate for the first day/instance of such default?Q76Which specific return/form must Scheduled Commercial Banks submit to the RBI, to report their CRR maintenance status on a fortnightly basis?Q77Regarding the reporting of Statutory Liquidity Ratio (SLR), consider the following:Q78If a bank persists in defaulting on its CRR maintenance after the first instance, the RBI imposes stricter penalties. Which of the following consequences is NOT prescribed for the immediate subsequent days of continued default?Q79Identify the INCORRECT statement regarding the liability of bank officers in case of CRR/SLR default:Q80Consider the following:Q81Evaluate the following statements regarding 'Holidays' and Reporting:Q82Scenario: The current Bank Rate is 6.50%. 'Bank Gamma' fails to maintain its required CRR for three consecutive days.Q83In the context of Monetary Policy, if the RBI decides to increase the Cash Reserve Ratio (CRR), what is the immediate expected impact on the banking system?Q84The "Money Multiplier" in an economy is inversely related to the Reserve Ratios. Mathematically, if banks were required to keep 100% of deposits as reserves (CRR = 100%), what would be the value of the money multiplier?Q85Consider the impact of a high Statutory Liquidity Ratio (SLR) on the economy:Q86Consider the following:Q87Evaluate the relationship between Reserve Ratios and Bank Margins:Q88During a period of high inflation, the RBI adopts a "Tightening" or "Hawkish" stance. Which of the following actions would be inconsistent (NOT align) with this stance?Q89Identify the INCORRECT statement regarding the "Operating Procedure" of Monetary Policy:Q90An 'Unbanked Rural Centre' (URC) is defined as a rural centre that lacks a CBS-enabled 'Banking Outlet', and falls under which specific population tier classifications?Q91For the purpose of disclosure under Accounting Standard 17 (AS-17), the 'Digital Banking Segment' is classified as a sub-segment of which existing segment?Q92Which of the following statements, regarding the functions and restrictions of an "Administrative Office" or "Controlling Office" of a bank, are correct?Q93Consider the following statements, regarding the mandated frequency of Board reviews for various banking channels:Q94According 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)?Q95According to the population-group wise classification based on the 2011 Census, a 'Rural Centre' is defined as a centre with a population of:Q96Which of the following statements, regarding compliance with the 25 percent Unbanked Rural Centre (URC) norm, are correct?Q97Consider the following statements, regarding the role of the State Level Banker Committee (SLBC):Q98Which of the following statements regarding the membership and registration of Credit Information Companies (CICs) are correct?Q99Which of the following statements regarding credit information reporting timelines and data rectification are correct?Q100Which of the following statements regarding Customer Service and Best Practices for Credit Institutions are correct?
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.