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

Q84: Regarding Section 11 (RBI’s Power to Issue Directions), which of the following statements is legally valid?

A
RBI directions are only binding on Authorized Dealer Category-I banks, not on Money Changers.
B
RBI may issue directions to Authorized Persons regarding the making of payments on behalf of any person resident outside India.
C
If an Authorized Person contravenes an RBI direction, only the Central Government can penalize them.
D
RBI directions under Section 11 are advisory in nature and not mandatory.
✅ Correct Answer: B
Option B is valid.
Concept Definition: Section 11 gives RBI the operational teeth to enforce the Act.
Structural Breakdown: Scope: RBI can direct any Authorized Person (ADs, Money Changers, Offshore Banking Units). Purpose: Directions can cover payment procedures, reporting formats, or restrictions on acting for non-residents.
Penalty (Section 11(3)): If an AP contravenes a direction, the RBI itself (not just Govt) can impose a penalty (up to ₹10,000 and continuing daily fines). This is distinct from the heavy "Contravention" penalties under Section 13.