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
Q101Which of the following statements regarding the Framework for Compensation to Customers for delayed updation of credit information are correct?Q102What requirement is specified for all Credit Institutions (CIs) regarding their membership with Credit Information Companies (CICs)?Q103In the event of a cancellation of a Credit Institution's (CI) Certificate of Registration (CoR) or licence, what action are Credit Information Companies (CICs) required to take?Q104Credit Institutions (CIs) shall rectify the rejected data and upload the same with the Credit Information Companies (CICs) within ...... of receipt of such rejection report.Q105How frequently are Credit Information Companies (CICs) required to undertake periodic exercises or checks to identify identifier inconsistencies in their databases?Q106For which three distinct segments are Credit Information Companies (CICs) required to prepare and provide a Data Quality Index (DQI)?Q107Which of the following statements regarding the Data Quality Index (DQI) are correct?Q108Which 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?Q109Consider the following statements regarding the eligibility and independence criteria for the appointment of an Internal Ombudsman (IO) under the 2026 Directions, and select the correct option.Q110Which of the following statements correctly differentiates the roles and requirements of the Internal Ombudsman (IO) versus the Deputy Internal Ombudsman (Dy. IO) under the RBI Directions, 2026?Q111Which of the following statements is/are correct regarding the tenure, removal, and service conditions of the Internal Ombudsman (IO) under the 2026 Directions?Q112Consider the following statements regarding the reporting lines and administrative governance of the Internal Ombudsman (IO) office, and select the correct option.Q113Which of the following statements accurately describes the operational boundaries and provisions for temporary arrangements regarding the Internal Ombudsman (IO)?Q114Which of the following statements is/are correct regarding the governance, reporting, and administrative powers of the Internal Ombudsman (IO) as per the Reserve Bank of India (Internal Ombudsman for Regulated Entities) Directions, 2026?Q115Consider the following statements regarding the operational scope, compensation powers, and complaint classification protocols of the Internal Ombudsman (IO). Which of the following statements is incorrect?Q116Which of the following statements is/are correct regarding the resolution timelines and communication protocols under the Internal Ombudsman (IO Scheme in banks?Q117Consider the following statements regarding the operational constraints and procedural mandates for the Internal Ombudsman (IO) in banks. Which of the following is/are correct?Q118Which of the following best describes the reporting and performance monitoring requirements for the Internal Ombudsman (IO) mechanism in banks?Q119To facilitate understanding and interpretation, credit scores shall be calibrated from ...... by all Credit Information Companies (CICs).Q120How frequently are individuals entitled to receive one Free Full Credit Report (FFCR), including a credit score, from Credit Information Companies (CICs)?Q121Consider the following statements:Q122Which of the following statements regarding the retention of credit information by third-party entities (obtained via consent) are correct?Q123One of the sub-fields in the enquiry module of Credit Information Companies (CICs) must be invariably designated as 'Business Loan Director Search ......'.Q124When a Credit Information Company (CIC) shares credit information of an individual with a third-party entity based on consent, where must that information be processed and stored?Q125Who is responsible for appointing the CISA certified auditor to conduct the Information System (IS) audit of entities that receive credit information based on individual consent?Q126When a Credit Institution (CI) corrects erroneous data, who is responsible for updating that data in the Credit Information Company's (CIC) database?Q127If a correction is carried out in a Credit Information Report (CIR), to whom must the Credit Information Company (CIC) provide a free copy of the corrected report?Q128Credit Institutions (CIs) must include in their ...... suitable provisions for obtaining Credit Information Reports (CIRs) from one or more CICs for credit decisions.Q129Credit Institutions (CIs) that are secured creditors under the SARFAESI Act, 2002, must display information about borrowers whose secured assets have been possessed. How often must this list be updated on their website?Q130Which of the following statements regarding the Technical Working Group (TWG) are correct?Q131Which of the following statements regarding the Standing Sub-Group of the Technical Working Group (TWG) are correct?Q132When are Credit Information Companies (CICs) required to send alerts via SMS or email to customers?Q133When are Credit Institutions (CIs) required to send alerts via SMS or email to their customers?Q134Credit Institutions (CIs) must inform Credit Information Companies (CICs) of any changes in their nodal point/official within ...... of such a change.Q135What action must a Credit Institution (CI) take if it rejects a customer's request for data correction?Q136Which of the following statements regarding Root Cause Analysis (RCA) and algorithm reviews are correct?Q137What is the compensation amount a complainant is entitled to if their complaint regarding credit information is not resolved within thirty calendar days?Q138With reference to agricultural advances, which of the following statements are correct?Q139Consider the following statements regarding asset classification categories:Q140Which of the following statements regarding fundamental banking definitions are correct?Q141Which of the following conditions characterize a Cash Credit/Overdraft (CC/OD) account as "out of order"?Q142The "Provisioning Coverage Ratio (PCR)" is the ratio of provisioning to:Q143Which of the following statements regarding Asset Classification norms and definitions are correct?Q144Consider the following norms regarding Credit Monitoring and Review of Limits:Q145For Non-Performing Assets (NPAs) with a balance of ₹5 crore and above, which of the following due diligence measures are mandatory?Q146If a loan account has a due date of March 31 and remains unpaid, it becomes overdue on March 31. If it remains continuously overdue, on which date must it be classified as NPA (upon completion of 90 days)?Q147Which of the following statements regarding exceptions and exemptions in Asset Classification are correct?Q148Which of the following statements regarding Provisioning Rates for Standard and Doubtful assets are correct?Q149Which of the following rules governing the mechanics of Asset Classification and Provisioning are correct?Q150Which of the following statements regarding special provisioning norms 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.