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Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q52: Identify the statement that INCORRECTLY describes the regulatory requirements for Authorized Persons.

A
AD Category-I banks are governed by the reserve requirements (CRR/SLR) on their liabilities.
B
FFMCs must maintain minimum Net Owned Funds (NOF) to retain their license.
C
AD Category-II entities are exempt from conducting Concurrent Audits of their forex transactions.
D
All Authorized Persons must adhere to the Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines.
✅ Correct Answer: C
Statement C is Incorrect.
1. Audit Requirement: Internal control is critical in forex dealing.
The RBI Master Direction mandates that all AD Category-II entities and FFMCs (above a certain turnover, typically ₹15 Lakh/month) must subject their transactions to "Concurrent Audit." They are not exempt.
2. Net Owned Funds (NOF): FFMCs and AD-IIs must maintain a prescribed minimum NOF (e.g., ₹25 Lakh for single-branch FFMC, ₹50 Lakh for multi-branch, ₹10 Crore for AD-II upgrades) on an ongoing basis.
3. KYC/AML: All APs are "Reporting Entities" under the PMLA, 2002 and must follow KYC norms strictly.