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

Q39: Regarding the "TReDS" (Trade Receivables Discounting System) platform, identify the INCORRECT statement:

A
It is an electronic platform for facilitating the financing and discounting of trade receivables of MSMEs.
B
Only "Reverse Factoring" is permitted on the platform; traditional factoring is banned.
C
The transactions on TReDS are "Without Recourse" to the MSME sellers.
D
Review of the platform falls under the regulatory purview of the Reserve Bank of India (RBI).
✅ Correct Answer: B
TReDS supports both factoring (where the seller initiates the upload) and reverse factoring (where the buyer initiates the upload). It is not restricted to only reverse factoring.
A crucial benefit of TReDS (Option C) is that the financing is Without Recourse to the MSME.
Once the financier accepts the invoice (which was accepted by the corporate buyer), the MSME gets paid and is absolved of risk.
The financier takes the risk on the buyer.