Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Penalties, Adjudication and Sections

Q19: An Indian parent company, provides a corporate guarantee to a foreign bank, to secure a loan for its overseas subsidiary. How is this transaction classified under FEMA?

A
As a Current Account Transaction, because it is a business expense.
B
As a Capital Account Transaction, because it creates a contingent liability for a resident in India, regarding a non-resident.
C
As a Domestic Transaction, because the guarantee agreement is signed in India.
D
As an Exempt Transaction, because guarantees are not money.
✅ Correct Answer: B
Under Section 2(e) of FEMA, a Capital Account Transaction includes transactions that alter the assets or liabilities (including contingent liabilities) outside India of a person resident in India.
A corporate guarantee creates a contingent liability (an obligation to pay if the subsidiary defaults) towards a non-resident lender, making it a Capital Account Transaction.