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Bank Promotion Exam Guide

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Module: General Practice

Q79: According to Section 2(e) of FEMA 1999, which of the following creates a "Capital Account Transaction"?

A
A transaction that solely alters the assets or liabilities inside India of a person resident in India.
B
A transaction that alters the assets or liabilities, including contingent liabilities, outside India of a person resident in India.
C
A transaction that alters the assets or liabilities inside India of a person resident in India, excluding contingent liabilities.
D
Any transaction related to foreign trade, current business, or short-term banking credit facilities.
✅ Correct Answer: B
Option B captures the precise statutory definition.
Concept Definition: A Capital Account Transaction is defined as one that alters: 1. The assets or liabilities (including contingent liabilities) outside India of a person resident in India; OR 2. The assets or liabilities in India of a person resident outside India.
Structural Breakdown: Capital Account: Impacts the Balance Sheet (Assets/Liabilities). Includes FDIs, ECBs, and immovable property.
Current Account: Everything other than capital account (e.g., trade, short-term credit, family remittances). Historical Context: This definition is the "gatekeeper" clause.
If a transaction fits this definition, it falls under the restrictive regime of Section 6. If it does not, it falls under the generally free regime of Section 5 (Current Account).