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.
✅ | KYC, NPAs, Advances & Investment Valuations
Q201Consider the following statements regarding the conduct and engagement of recovery agents:Q202Consider the following statements regarding the July 2026 amendments on Mis-selling and Dark Patterns in digital banking:Q203Consider the following statements regarding cheque operations and dishonour management guidelines:Q204Consider the following statements regarding customer communication, printed materials, and ATM infrastructure:Q205Based on the Reserve Bank of India guidelines for export finance, consider the following statements regarding processing timelines and decision-making:Q206Consider the following statements regarding borrowal accounts, loan modifications, and export bill collections:Q207Scenario: A 12-year-old minor opens an independent savings account. A pensioner visits a non-home branch of his bank to submit his annual life certificate. A customer purchases a demand draft for a business transaction. Based on RBI guidelines, consider the following statements:Q208Consider the following statements regarding the regulatory framework for sales ethics and third-party products under the 2026 Amendments:Q209Consider the following statements regarding mis-selling grievances and banned digital 'Dark Patterns':Q210Consider the following statements regarding the engagement and authorisation of recovery agents by commercial banks:Q211Consider the following statements regarding the definitions and boundaries of customer negligence in electronic banking frauds:Q212Scenario: A high-net-worth individual holds a Current Account with an overdraft limit of ₹40 Lakhs. He falls victim to a third-party electronic banking breach and reports it to the bank on the sixth working day. The bank initiates its investigation and processes the reversals. Based on RBI guidelines, consider the following statements:Q213Scenario: A bona fide bank customer suffers an unauthorized electronic banking fraud resulting in a net loss of exactly ₹20,000. The customer promptly reports the fraud to the National Cyber Crime Portal and his bank within 3 calendar days. Based on the March 2026 Limiting Liability amendments, calculate the total compensation payable to the customer and the exact absolute monetary burden borne by the Reserve Bank of India (RBI), the Customer's Bank, and the Beneficiary Bank, respectively.Q214Consider the following statements regarding Basic Banking Services classification limits and general operational rounding rules:Q215Consider the following statements regarding borrower guidance, deceased customer assets, and minor accounts:Q216Scenario: A customer who previously operated a minor account independently turns 18. Another customer is reported missing for over a year, leaving behind a deposit of ₹80,000. A third deceased customer's account receives a dividend credit after the final claim settlement. Based on RBI guidelines, consider the following required actions:Q217Consider the following statements regarding the operational management and activation of inoperative accounts:Q218An "advance against own deposit" includes advances granted against Rupee/FCNR(B) term deposits standing in the name of which of the following?Q219Which of the following is NOT listed as a component of the "External benchmark rate"?Q220The "Benchmark Prime Lending Rate (BPLR)" is defined as the internal benchmark rate used to determine interest rates on advances/loans sanctioned up to which date?Q221Which of the following statements regarding "Fixed Rate Loans" are correct?Q222While the general rule mandates that interest shall be charged on all advances at monthly rests, which specific category of advances is exempted and governed by separate circulars?Q223Consider the following statements regarding pricing of floating rate advances:Q224Regarding the calculation methodology of the Marginal Cost of Funds based Lending Rate (MCLR), which of the following statements are correct?Q225Which of the following statements accurately reflect the regulations governing the "Base Rate" administration?Q226Banks are required to publish the internal benchmark (MCLR) for specific maturities. These include overnight MCLR, one-month MCLR, three-month MCLR, six-month MCLR, and …… MCLR.Q227In the case of a takeover of bank branches in rural and semi-urban centres, the existing borrowers are mandatorily required to continue their accounts with the acquiring bank, to ensure financial stability.Q228Which of the following statements regarding the operational framework of the "External Benchmark" system are correct?Q229Regarding the regulation of "Spreads" over benchmark rates (MCLR/External), which of the following statements are correct?Q230Which of the following statements accurately reflect the review and reset mechanics of the Marginal Cost of Funds based Lending Rate (MCLR)?Q231Which of the following statements, regarding the primary categories of investment classification for banks, are correct?Q232Which of the following is a mandatory condition for classifying a security under the Available for Sale (AFS) category?Q233Which of the following statements regarding the classification of SLR securities are correct?Q234Which of the following statements regarding credit card billing, payment terms, and interest calculations are correct?Q235Which of the following statements correctly describe the financial penalties a card-issuer must pay to a customer for non-compliance with RBI Directions?Q236As per the RBI Directions, 2025, which of the following best defines a "Charge Card"?Q237A credit card account can be reported as 'past due' to Credit Information Companies (CICs) or levied with penal charges only when the account remains 'past due' for more than how many days?Q238In the context of wire transfers, what is a "Cover Payment"?Q239A "Domestic wire transfer" can involve a payment message transfer system located outside of India, provided the ordering and beneficiary financial institutions are both located in India.Q240How is the "Video based Customer Identification Process (V-CIP)" treated for the purpose of Customer Due Diligence (CDD)?Q241Which of the following is NOT one of the four key elements that the Know Your Customer (KYC) policy of a bank must include?Q242A "Serial Payment" in the context of wire transfers is defined as:Q243How frequently must a bank review its internal "Money Laundering (ML) and Terrorist Financing (TF) Risk Assessment"?Q244Regarding the "Customer Acceptance Policy," banks are explicitly prohibited from opening accounts in which of the following manners?Q245Which specific function regarding KYC norms is a bank prohibited from outsourcing?Q246According 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?Q247If 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.Q248To ensure compliance with KYC/AML policies, banks must submit audit notes and compliance reports to the Audit Committee at what periodicity?Q249When rejecting an application for onboarding or periodic updation of KYC, what specific procedural requirement must the concerned officer fulfill?Q250Banks are permitted to inform a customer of their specific "Risk Categorization" (Low, Medium, or High) to ensure transparency in the banking relationship.
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.