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
Q251Under which of the following circumstances is a bank required to undertake the identification of customers (Customer Identification Procedure)?Q252Regarding the opening of bank accounts, what is the specific regulatory stance on "Introductions"?Q253A bank may rely on Customer Due Diligence (CDD) done by a third party, subject to several conditions. Which of the following is NOT a valid condition for such reliance?Q254When a customer submits a "Proof of Possession of Aadhaar Number" where authentication is not required (e.g., voluntarily), what specific action must the bank ensure regarding the Aadhaar number on the document?Q255When a bank grants an exception for CDD (e.g., offline verification instead of e-KYC) due to a customer's injury, illness, or old age, which of the following controls must be implemented?Q256While opening an account, the bank must verify the Permanent Account Number (PAN) from the verification facility of the issuing authority. If the customer furnishes an Officially Valid Document (OVD) that does not have an updated address, they are required to submit an OVD with the current address within a period of …… months.Q257Accounts opened using Aadhaar OTP-based e-KYC in non-face-to-face mode are subject to strict aggregate limitations. What is the maximum allowable aggregate balance in all deposit accounts of the customer?
✅ | Deposits, Reserve Ratios & Branch Authorisation
Q258Regarding the "Digital KYC Process," which of the following statements correctly describe the requirements for capturing the customer's live photograph?Q259In the context of the "Digital KYC Process," how is the customer's signature obtained and validated on the Customer Application Form (CAF)?Q260Which of the following is NOT a permitted use case for the Video-based Customer Identification Process (V-CIP)?Q261Which of the following statements regarding the "V-CIP Infrastructure" are incorrect?Q262For borrowal accounts opened using OTP-based e-KYC in non-face-to-face mode, the bank shall sanction only term loans, and the aggregate amount of such term loans shall not exceed …… in a year.Q263In the Digital KYC process, if a customer does not have their own mobile number, the bank is strictly prohibited from using the mobile number of a family member or relative for the purpose of OTP verification.Q264If a bank opens a deposit account using OTP-based e-KYC in non-face-to-face mode, what is the maximum period the account can operate before a full Customer Due Diligence (CDD) procedure is required?Q265When conducting a Video-based Customer Identification Process (V-CIP) using offline verification of Aadhaar via an XML file or Aadhaar Secure QR Code, what is the maximum validity period of the XML file or QR code generation date?Q266During the Video-based Customer Identification Process (V-CIP), which of the following actions is explicitly invalid or prohibited?Q267A "Small Account" can be credited with foreign remittances, provided the amount does not exceed ₹10,000 in a month.Q268Which of the following limitations apply to a "Small Account"?Q269For 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?Q270Regarding "Assisted V-CIP," which of the following statements correctly describes the role of Business Correspondents (BCs)?Q271Which of the following authorities is mandatory to conduct the Vulnerability Assessment, Penetration Testing, and Security Audit of the V-CIP infrastructure?Q272For opening an account of a Company, which of the following documents is mandatory to obtain as a certified copy?Q273According to the guidelines on "Monitoring of Transactions", how frequently must a bank review the risk categorization of customer accounts?Q274Which of the following correctly matches the "Risk Category" with the mandatory minimum periodicity for KYC updation?Q275For the purpose of opening an account, which of the following entities are explicitly included under the term "Unincorporated Association"?Q276When opening an account for a Trust, which of the following parties must be identified as part of the beneficial owner identification process?Q277During 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?Q278Which 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?Q279Consider 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.Q280Which 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?Q281Which of the following statements is/are correct regarding the tenure, removal, and service conditions of the Internal Ombudsman (IO) under the 2026 Directions?Q282Consider the following statements regarding the reporting lines and administrative governance of the Internal Ombudsman (IO) office, and select the correct option.Q283Which of the following statements accurately describes the operational boundaries and provisions for temporary arrangements regarding the Internal Ombudsman (IO)?Q284Which 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?Q285Consider 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?Q286Which of the following statements is/are correct regarding the resolution timelines and communication protocols under the Internal Ombudsman (IO Scheme in banks?Q287Consider the following statements regarding the operational constraints and procedural mandates for the Internal Ombudsman (IO) in banks. Which of the following is/are correct?Q288Which of the following best describes the reporting and performance monitoring requirements for the Internal Ombudsman (IO) mechanism in banks?Q289Which of the following best defines the 'Cash Reserve Ratio' (CRR)?Q290What is the 'Statutory Liquidity Ratio' (SLR) in the context of Indian banking?Q291Which of the following pairs correctly identifies the legal provisions governing CRR and SLR respectively?Q292To maintain the Statutory Liquidity Ratio (SLR), banks can hold assets in various forms. Which of the following is NOT an eligible form of asset for SLR maintenance?Q293Consider the following statements regarding the maintenance of CRR and SLR:Q294Which specific return/form must Scheduled Commercial Banks submit to the RBI, to report their CRR maintenance status on a fortnightly basis?Q295The '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?Q296For the purpose of CRR maintenance, the relevant NDTL figure is taken from which specific reporting day?Q297ATMs installed in Special Economic Zones (SEZs) in India, are permitted to dispense and accept cash in which currency?Q298Which of the following operational and security conditions apply to the installation of Cash Deposit Machines (CDMs) or Bunch Note Acceptor Machines (BNAMs)?Q299Consider the following statements, regarding the governance and classification framework of a Digital Banking Unit (DBU):Q300Which of the following statements, regarding the operational mandates and restrictions for a Digital Banking Unit (DBU), 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.