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Bank Promotion Exam Guide

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Module: General Practice

Q40: In the context of the International Monetary Fund (IMF), India has accepted the obligations under Article VIII of the IMF Articles of Agreement since August 1994. What does this status signify?

A
India allows full convertibility of the Rupee for all Capital Account transactions (like FDI and ECBs).
B
India prohibits the use of multiple currency practices and restrictions on making payments for Current Account transactions.
C
India has pegged the Indian Rupee to the Special Drawing Rights (SDR) basket.
D
India is legally bound to eliminate all restrictions on the repatriation of foreign assets by residents.
✅ Correct Answer: B
Current Account Convertibility means the freedom to buy or sell foreign exchange for current international transactions (trade, travel, interest payments, etc.) without government restriction.
By accepting Article VIII in August 1994, India committed to: Not imposing restrictions on payments/transfers for current international transactions.
Not engaging in discriminatory currency arrangements or multiple currency practices.
This does not apply to Capital Account transactions (like buying property abroad), which remain regulated under FEMA 1999 (Partial Convertibility).