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

Q45: Which of the following routes for Foreign Investment in India is INCORRECTLY described?

A
FDI (Foreign Direct Investment)- Investment in unlisted equity or >10% of listed equity; considered stable and long-term.
B
FPI (Foreign Portfolio Investment)- Investment in <10% of listed equity; considered "Hot Money" or volatile.
C
Fully Accessible Route (FAR)- A channel where Non-Residents can invest in specified Government Securities (G-Secs) with strict quantitative limits.
D
ECB (External Commercial Borrowings)- Commercial loans raised by eligible resident entities from non-resident lenders.
✅ Correct Answer: C
The description of FAR is incorrect because it has NO quantitative limits.
The Fully Accessible Route (FAR) was introduced to allow non-residents to invest in specific Government Securities (G-Secs) without any ceiling.
This was a major step towards Capital Account Liberalization in the bond market and was a precondition for including Indian G-Secs in global bond indices (like the JP Morgan Bond Index inclusion in 2024). Normal FPI routes have a "General Limit" (e.g., 6% of outstanding stock), but FAR securities are exempt.