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

Q48: RTGS is designated as a Financial Market Infrastructure (FMI) and a Systematically Important Payment System (SIPS). What other designation does it hold?

A
A critical information infrastructure by NCIIPC
B
A Retail Payment System (RPS)
C
A Central Counterparty (CCP)
D
A Cross-Border Payment System (CBPS)
✅ Correct Answer: A
RTGS holds multiple critical designations.
In addition to being an FMI and SIPS, it is also designated as a "critical information infrastructure" by the National Critical Information Infrastructure Protection Centre (NCIIPC). This security status is reiterated in the RBI's Payment Systems Report - June 2025.