Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | KYC, NPAs, Advances & Investment Valuations

Q163: Under the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions, when is a non-whole-time director considered a wilful defaulter?

1. The default took place with their consent.
2. The default took place with their connivance.
3. They were aware of the default but did not record an objection in the minutes.
4. They hold more than 10% equity in the borrowing company.
A
1 and 2 only
B
1, 2, and 3 only
C
3 and 4 only
D
All of the above
✅ Correct Answer: B
They are liable if the default happened with their consent or connivance.
They are also liable if they were aware but failed to record objections.
Shareholding is not a criterion.