MCQs - 2026-05

Maya Singh's debut film "Roots Unseen" impressed the jury with its fresh perspective and compelling narrative, earning her the Camera d'Or.

Elena Volkov's masterful direction in "The Golden Thread" was lauded by the jury, earning her the Best Director award.

Lena Petrova's "The Forgotten Melody" was recognized with the Grand Prix for its innovative storytelling and powerful performances.

"The Silent Echoes," directed by Anya Sharma, captivated the jury with its profound narrative and stunning cinematography, earning the top honor.

Under PCA, the RBI imposes restrictions on activities like expansion, dividend payments, and branch openings to ensure the bank restores its financial health.

The PCA framework for UCBs is triggered based on Capital Adequacy Ratio (CRAR), Net NPAs, and Return on Assets (ROA). Employee count is not a parameter.

The RBI introduced the PCA framework for UCBs to maintain sound financial health and to take corrective measures when banks show signs of financial stress.

The regulations aim to curb unethical recovery practices, ensure data privacy, and bring transparency to the digital lending ecosystem.

RBI guidelines state that data collection by DLAs should be 'need-based' and with the prior and explicit consent of the borrower, with an option to revoke consent.

RBI mandates that all loan disbursals and repayments must be executed directly between the bank accounts of the borrower and the Regulated Entity (RE), without passing through the pool account of any third party.