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

Q8: Scenario: A Central Public Sector Enterprise (CPSE) is procuring goods worth Rupees 50 Lakh from a registered Micro Enterprise. Under the new mandatory provisions announced in Budget 2026-27 to ensure timely payments, which platform must the CPSE utilize for the transaction settlement?

A
GeM (Government e-Marketplace) Portal directly
B
TReDS (Trade Receivables Discounting System)
C
MSME Samadhaan Portal
D
RBI Integrated Payment Hub
✅ Correct Answer: B
The Union Budget 2026-27 has mandated the use of TReDS for all procurements by CPSEs from MSMEs.
To solve the issue of delayed payments, CPSEs are now legally required to settle transactions via the Trade Receivables Discounting System (TReDS) platform.
This allows MSMEs to auction their invoices to financiers and receive immediate cash, improving liquidity.