Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Introduction, Scope and Residential Status

Q1: A businessman fails to comply with a procedural requirement, under the Foreign Exchange Management Act (FEMA). Which of the following describes the nature of the potential liability he faces?

A
He faces automatic imprisonment, for a minimum term of six months.
B
He faces a civil monetary penalty (fine), as FEMA is a civil law.
C
He faces mandatory confiscation, of all his Indian assets.
D
He faces immediate cancellation of his Indian citizenship.
✅ Correct Answer: B
FEMA is a civil law, distinct from its predecessor FERA which was a criminal law.
Violations of FEMA are treated as civil contraventions, typically resulting in monetary penalties (fines) which can be up to three times the sum involved in the contravention.
Imprisonment is not the default punishment; it arises only if the penalty is not paid.
Citizenship cancellation is not a penalty under this Act.