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MCQs - 2026-05

11.
An improvement in asset quality for banks generally implies:
A An increase in the number of loans that are overdue or unlikely to be repaid.
B A decrease in the proportion of loans that are performing well.
C A reduction in Non-Performing Assets (NPAs) and better recovery rates.
D Higher provisioning for bad loans.
12.
What was a primary driver for the robust Q4 FY26 earnings reported by Public Sector Banks (PSBs)?
A A significant increase in non-performing assets (NPAs).
B A decline in net interest margins (NIMs).
C Improvement in asset quality and reduction in NPAs.
D Reduced government capital infusion.
13.
The RBI's new regulations for digital lending platforms mandate that loan disbursals and repayments should be directly routed through the bank accounts of the borrower and the regulated entity (RE). Which of the following is a primary reason for this mandate?
A To facilitate faster loan approvals.
B To prevent misuse of funds and ensure transparency in financial flows.
C To reduce the transaction costs for digital lenders.
D To encourage the use of digital wallets.
14.
As per the recent RBI guidelines, digital lending platforms are generally required to disclose all-in costs, including fees and charges, to the borrower. What does 'all-in cost' typically encompass?
A Only the principal loan amount.
B Interest rate, processing fees, and any other charges levied.
C Penalties for late payments only.
D Administrative costs of the lending institution.
15.
Which of the following is a key objective behind the Reserve Bank of India's (RBI) introduction of stricter norms for digital lending platforms?
A To encourage unregulated lending practices.
B To protect borrowers from predatory lending and ensure fair practices.
C To reduce the number of digital lending platforms in operation.
D To increase the interest rates charged by digital lenders.
16.
What kind of digital skills are typically covered under the Nari Shakti Digital Literacy Initiative?
A Advanced programming and AI development.
B Basic computer operations, internet navigation, online safety, and digital payment methods.
C Cybersecurity expert training.
D Hardware engineering and network administration.
17.
Which government ministry or organization is associated with the Nari Shakti Digital Literacy Initiative?
A Ministry of Education
B Ministry of Women and Child Development
C Ministry of Electronics and Information Technology
D All of the above
18.
What is the main goal of the Nari Shakti Digital Literacy Initiative?
A To provide financial aid to women entrepreneurs.
B To enhance digital literacy and skills among women, particularly in rural and underserved areas.
C To promote women's participation in STEM fields.
D To offer online job opportunities for women.
19.
Which government ministry is primarily responsible for the implementation of the PM-Surya Ghar Muft Bijli Yojana?
A Ministry of Rural Development
B Ministry of New and Renewable Energy (MNRE)
C Ministry of Power
D Ministry of Finance
20.
Under the PM-Surya Ghar Muft Bijli Yojana, what is the subsidy provided for rooftop solar installations?
A A fixed subsidy of β‚Ή15,000 per installation.
B Subsidy is based on the capacity of the solar system installed, with higher capacities receiving more.
C No subsidy is provided; only loans are available.
D A 10% subsidy on the total cost of the system.