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

Q133: Identify the INCORRECT statement regarding the Liquidation Process as per the 2025 amended framework.

A
The Committee of Creditors continues to exist and supervise the Liquidator during the liquidation process.
B
The Liquidator has absolute independence and cannot be replaced by the Committee of Creditors once appointed.
C
The "Waterfall Mechanism" under Section 53 ranks workmen's dues pari-passu with secured creditors who relinquish their security.
D
Government dues are ranked lower than unsecured financial creditors in the priority of distribution.
✅ Correct Answer: B
Correction: Under the 2025 Amendments, the Committee of Creditors (CoC) is empowered to supervise the liquidation process and can replace the Liquidator with a 66% vote.
Shift: Previously, the Liquidator was a quasi-judicial authority independent of the CoC.
The amendment shifted this to a "Creditor-Driven Liquidation" model.
Section 53: Options C and D are correct.
Workmen's dues and Secured Creditors share the 2nd position.
Government dues are 5th, subordinate to Unsecured Financial Creditors.