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

Q69: Which payment system, introduced by NPCI, offers 24x7 instant fund transfer through multiple channels including mobile banking, internet banking, and ATMs?

A
Immediate Payment Service (I M P S)
B
National Electronic Funds Transfer (NEFT)
C
Real Time Gross Settlement (RTGS)
D
National Automated Clearing House (NACH)
✅ Correct Answer: A
The Immediate Payment Service (IMPS), introduced by NPCI, is a 24x7 fast payment system offering instant fund transfers through various channels.
Its role in 24x7 banking is highlighted in the RBI's Payment Systems Report - June 2025.