Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q35: Identify the transaction that will be recorded in the Current Account, despite being related to a foreign investment or loan.

A
A US-based company purchasing 10% equity in an Indian startup (FDI).
B
An Indian company repaying the principal amount of an External Commercial Borrowing (ECB).
C
The payment of interest on an external loan by an Indian borrower to a foreign lender.
D
A Non-Resident Indian (NRI) depositing money into an FCNR(B) account.
✅ Correct Answer: C
This is the "Service vs.
Capital" distinction.
The Principal (Loan/Equity): Moves into the Capital Account because it creates/extinguishes a liability or asset.
The Servicing (Interest/Dividend): Moves into the Current Account (under "Income" or Primary Income). Determining the "cost of capital" (interest/dividend) is an expenditure (flow), similar to paying for a service.
It does not reduce the principal debt itself; it is the fee for using the capital.
In FY 2024-25, India's "Primary Income" account often runs a deficit because the outflow of interest/dividends usually exceeds the inflow from Indian assets abroad.