Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Transactions, Facilities and Authorized Persons

Q10: An individual wishes to legally purchase US Dollars, for a holiday abroad. Under FEMA, from whom must they purchase this currency?

A
Any shopkeeper, willing to exchange the currency.
B
A friend or relative, who has leftover currency from a previous trip.
C
An "Authorized Person" (e.g., an Authorized Dealer Bank or Money Changer), licensed by the RBI.
D
A travel agent who books their flight tickets, regardless of licensure.
✅ Correct Answer: C
Section 3 of FEMA prohibits dealing in or transferring foreign exchange to anyone other than an Authorized Person.
An Authorized Person is an entity (like a bank or money changer) specifically authorized by the Reserve Bank of India to deal in foreign exchange.
Buying from unauthorized sources (black market or private individuals) is illegal.