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WorksheetsMODEL QP 5 (FIN INCL) FOR A2B EXAM 2025
Total questions: 93
Worksheet time: 47mins
What is the target coverage under the EDDPE initiative by March 2026?
100% coverage in 80% districts
100% coverage in 100% districts
90% coverage in 70% districts
80% coverage in 100% districts
What is the expansion of GPFI?
Global Partnership for Financial Inclusion (GPFI)
Global Partner for Financial Inclusion (GPFI)
Global Pact for Financial Inclusion (GPFI)
Global Performance for Financial Inclusion (GPFI)
As per the Union Budget 2025-26, credit guarantee for Micro and Small Enterprises and credit guarantee scheme for Start-Ups have been enhanced to Rs._______ and Rs._______ respectively.
Rs.10 crore, Rs.20 crore
Rs.5 crore, Rs.10 crore
Rs.10 crore, Rs.10 crore
Rs.5 crore, Rs.20 crore
What key change was made regarding agricultural loans in the revised PSL directions?
Exclusion of agricultural loans from PSL
Introduction of a target for non-corporate farmers
Complete waiver of agricultural loan interest
Mandatory insurance on farm loans
During the Union Budget 2025-26, GoI has allocated an expenditure of Rs._______ for agriculture segment.
Rs.1.71 lakh crore
Rs.4.91 lakh crore
Rs.2.33 lakh crore
Rs.2.66 lakh crore
The Kisan Credit Card (KCC) provides adequate and timely bank credit to farmers under a single window for Cultivation, Animal Husbandry and ____________, including for consumption, investment and insurance purposes.
Cottage
Khadi
Fisheries
None of the above
What is the maximum loan amount covered under the 14-day turnaround time (TAT) directive issued to SCBs for MSE borrowers?
Rs.10 lakh
Rs.15 lakh
Rs.50 lakh
Rs.25 lakh
With rapid digitalisation of financial services, concerted efforts have been made in the financial literacy space to ease the usage of financial services over the digital platforms for the targeted segments. Accordingly, to promote process literacy along with the concept literacy, the NCFE (National Centre for Financial Education) has developed a financial education handbook for ____________.
Students
Senior Citizens
MSMEs
Women
Union Budget 2025 has proposed issuance of Customised Credit Cards with Rs.________ limit for Micro Enterprises registered on Udyam portal during FY 2025-26.
Rs.5 lakh
Rs.10 lakh
Rs.15 lakh
Rs.25 lakh
Which strategy continued to guide RBI’s efforts on financial inclusion during 2024–25?
Pradhan Mantri Jan Dhan Yojana
National Mission on Financial Literacy
National Strategy for Financial Inclusion (NSFI)
National Strategy for Financial Education (NSFE)
The NCFE, along with other regulators and CBSE, developed progressive educational workbooks for school students of Class __________. These books were created as part of the National Strategy for Financial Education (NSFE) 2020-2025 to develop financial literacy content for schoolchildren.
Class VI-X
Class VI-XII
Class V-X
Class V-IX
What was the Financial Inclusion Index (FI-Index) value in March 2025?
67.0
67.2
67.3
67.4
The Financial literacy camps conducted by the Centres for Financial Literacy (CFLs) aims to achieve certain end-outcomes such as accounts opened / reactivated, pension and insurance linkages and monitoring thereof, is done through data pertaining to the end-outcomes uploaded in the _______________ portal.
Accounted Data Extraction Project (ADEPT)
Audited Data Extraction Project (ADEPT)
Automated Data Extraction Project (ADEPT)
Automatic Data Extraction Project (ADEPT)
During Union Budget 2025-26, Government has proposed to revamp PM-SVANIDHI Scheme with enhanced loans from banks, UPI linked credit cards with Rs.________ limit and capacity building support.
Rs.30,000
Rs.40,000
Rs.50,000
Rs.25,000
Which programme was extended to all districts except two in Andaman and Nicobar Islands and one in Manipur?
RBI90Quiz
NSFI 2025-30
CFL initiative
Expanding and Deepening of Digital Payments Ecosystem (EDDPE)
As per the RBI’s revised guidelines on Microfinance loans, NBFC-MFIs asset portfolio should consist of _______% of their total exposure, under qualifying assets.
70%
75%
60%
65%
The expansion of CEOBE in connection with PSL is ____________________.
Credit Equivalent of Off-Balance Sheet Exposure (CEOBE)
Credit Equivalent to Off-Balance Sheet Exposure (CEOBE)
Credit Equivalent under Off-Balance Sheet Exposure (CEOBE)
Credit Equivalent on Off-Balance Sheet Exposure (CEOBE)
How many Centre for Financial Literacy (CFL) centres were scaled up across the country in 2024–25?
1,790
2,015
2,421
2,580
Which sector saw a broadening of loan purposes under the revised PSL guidelines?
Education
Renewable Energy
Infrastructure
Housing
As of March 31, 2025, how many districts had achieved 100% EDDPE coverage?
400
600
750
514
Which of the following is not among the 15 states with full district coverage under EDDPE?
Maharashtra
Odisha
Gujarat
Tamil Nadu
As per the latest guidelines on PSL of RBI, within the overall target specified for agriculture, ________% is prescribed for Non-Corporate Farmers (NCFs), out of which a target of ________% is prescribed for SMFs (as % to ANBC or CEOBSE whichever is higher – applicable to SCBs, RRBs and SFBs).
12% and 10%
14% and 10%
14% and 12%
14% and 8%
The period covered under the National Strategy for Financial Education (NSFE) is _______________.
2019-2024
2020-2024
2020-2025
2019-2025
As mentioned in the document of National Strategy for Financial Inclusion (NSFI) 2019-24, the Vision of financial inclusion strategy is to make financial services available, accessible and __________ to all the citizens in a safe and transparent manner to support inclusive and resilient multi-stakeholder led growth.
Affordable
Adoptable
Adjustable
Actionable
Under the revised PSL guidelines, the overall PSL target for Urban Co-operative Banks (UCBs) was revised from:
50% to 70%
60% to 75%
80% to 70%
75% to 60%
The Chairman of the Technical Group on Financial Inclusion and Financial Literacy (TGFIFL) is ____________________.
Governor, RBI
Finance Minister
Deputy Governor, RBI
Secretary, DFS, MoF
As per the RBI norms, loans to FPOs/FPCs of individual farmers where SMFs’ landholding share is NOT less than qualify as SMF lending under PSL.
50%
65%
75%
70%
What is the primary objective of the RBI’s comprehensive review of the Lead Bank Scheme (LBS)?
To digitise rural banking operations
To improve access, usage, and quality of financial services for all
To reduce NPAs in regional rural banks
To centralise cooperative bank governance
Bank credit to registered NBFCs (other than MFIs) towards on-lending for ‘term lending’ component under agriculture will be eligible for PSL classification up to Rs.__________ per borrower.
Rs.10 lakh
Rs.25 lakh
Rs.15 lakh
Rs.20 lakh
Which of the following measures aims to reduce loan processing delays for MSE borrowers?
Introduction of credit scoring algorithms
Delegation of all MSME loan approvals to district-level committees
Mandating uniform TAT of 14 days for loans up to ₹25 lakh
Outsourcing loan evaluations to private agencies
Under PSL, loans to Agriculture Infrastructure are allowed up to an aggregate sanctioned limit of Rs.__________ per borrower.
Rs.50 crore
Rs.75 crore
Rs.100 crore
Rs.25 crore
The RBI had prepared the National Strategy for Financial Inclusion (NSFI) 2019-24 under the aegis of the ____________, to ensure access to financial services to all the citizens in a safe and transparent manner.
Financial Inclusion Advisory Committee (FIAC)
Financial Stability and Development Council (FSDC)
RBI
NABARD
As of March 31, 2025, what was the overall PSL achievement of Scheduled Commercial Banks (SCBs) as a percentage of ANBC/CEOBSE?
43.1%
42.4%
44.4%
40.0%
The RBI in its document on National Strategy for Financial Inclusion (NSFI) 2019-24 mentioned six strategic objectives / pillars namely (i) Universal Access to Financial Services (ii) ______________ (iii) Providing Basic Bouquet of Financial Services (iv) Customer Protection and Grievance Redressal (v) Financial Literacy and Education and (vi) Access to Livelihood and Skill Development. The Strategy also proposes to use technology and adoption of multi-stakeholder approach for realising financial inclusion.
Uplifting poor
Effective co-ordination
Improving standard of living
Removing illiteracy
What is the prescribed target for lending to Weaker Sections for RRBs?
15% of ANBC or CEOBASE
10% of ANBC or CEOBASE
12% of ANBC or CEOBASE
18% of ANBC or CEOBASE
Which of the following segments under KCC witnessed the largest percentage increase in outstanding credit between 2023-24 and 2024-25?
Crop Loan
Total Outstanding Loans
Term Loans
Loan for Animal Husbandry and Fisheries
DAY-NRLM would ensure adequate coverage of vulnerable sections of the society such that ___% of the beneficiaries are SC/STs, ____% are minorities and ______ are persons with disabilities within the overall target.
50%, 15% & 3%
50%, 15% & 5%
50%, 10% & 5%
50%, 15% & 2%
The __________ set up within Bankers Institute of Rural Development (BIRD) takes up research activities in the field of Microfinance and Financial Inclusion.
Centre for Research and Financial Inclusion and Microfinance (CRFIM)
Centre for Research and Financial Inclusion and Management (CRFIM)
Centre for Research and Financial Inclusion and Microcredit (CRFIM)
Centre for Research and Financial Inclusion and Macrofinance (CRFIM)
Keeping in view the rise in agricultural input costs and overall inflation, the limit for collateral-free agriculture loans was raised from ₹1.6 lakh to ₹______ lakh per borrower in December 2024 to further enhance credit availability for small and marginal farmers.
Rs.1.7 lakh
Rs.2.0 lakh
Rs.1.9 lakh
Rs.1.8 lakh
The number _______ is a missed call number used by the Reserve Bank of India (RBI) for its financial education and awareness campaigns. The number is meant to provide information on how to protect oneself from financial fraud, particularly with unauthorized electronic banking transactions.
14440
14448
13330
12228
Which of the following was a major outcome of the revised PSL guidelines effective April 1, 2025?
Withdrawal of PSL norms for NBFCs
Reduction in priority sector targets for all banks
Revision of targets for UCBs and inclusion of more renewable energy loans
Mandating PSL for foreign bank branches only
What is the total PSL target for SFBs as a percentage of ANBC or CEOBSE, whichever is higher?
40%
50%
60%
75%
As mentioned in the Centre for Financial Inclusion website, Financial Inclusion, financial services and microfinance are explicitly mentioned in the targets of _______ of the 17 UN’s Sustainable Development Goals of 2030. Their presence implies that financial services are a means to improve quality of life and suggests that creating financial stability should not be the only goal of financial inclusion.
Seven
Six
Five
Eight
What was the year-on-year (y-o-y) growth rate in SCBs’ outstanding credit to MSMEs during 2024–25?
14.8%
15.5%
13.3%
22.6%
The ____________ has its focus on promoting financial education across the country for all sections of the population under the aegis of the National Strategy for Financial Education (NSFE) for creating financial awareness and empowerment through financial education campaigns across the country in the form of seminars, workshops, conclaves, trainings, programs, campaigns, etc.
National Council for Financial Education (NCFE)
National Centre for Financial Education (NCFE)
National Company for Financial Education (NCFE)
National Cooperation for Financial Education (NCFE)
As per the latest guidelines, bank loans up to a limit of Rs._______ crore to borrowers for renewable energy-based power generators and for renewable energy based public utilities, viz., street lighting systems, remote village electrification, etc. will be eligible for Priority Sector Lending classification.
Rs.25 crore
Rs.30 crore
Rs.100 crore
Rs.35 crore
Which of the following private sector banks has been assigned lead bank responsibility?
HDFC Bank and Axis Bank
ICICI Bank and Yes Bank
ICICI Bank and Jammu & Kashmir Bank
Axis Bank and Jammu & Kashmir Bank
As announced by Govt. of India, what is the revised loan amount eligible under PM SVANidhi Scheme in 1st tranche and 2nd tranche?
Rs.10,000/- and Rs.20,000/- respectively
Rs.15,000/- and Rs.25,000/- respectively
Rs.10,000/- and Rs.25,000/- respectively
Rs.15,000/- and Rs.20,000/- respectively
The RBI in its document on National Strategy for Financial Inclusion (NSFI) 2019-24 said that one of the action plans and milestones under Providing Basic Bouquet of Financial Services is to make the ____________ fully operational by March 2022 so that authorised financial entities can leverage on the same for assessing credit proposals from all citizens.
Public Credit Registry (PCR)
Public Credit Registry (PCR)
Public Credit Registry (PCR)
Public Credit Registry (PCR)
In 2024–25, what was the total outstanding bank credit to the MSME sector?
₹21.3 lakh crore
₹27.3 lakh crore
₹22.6 lakh crore
₹31.3 lakh crore
A ‘Banking Outlet’ for a bank is a fixed-point service delivery unit, manned by either bank’s staff or its BC where services of acceptance of deposits, encashment of cheques / cash withdrawal or lending of money are provided for a minimum of ____ hours per day for at least 5 days a week.
2 hours
4 hours
5 hours
3 hours
Which bank group had the highest PSL percentage to ANBC/CEOBSE during 2024–25?
PvSBs
PSBs
FBs
All had equal PSL
The RBI has prepared the National Strategy for Financial Inclusion (NSFI) 2019-24. It is an approach paper to accelerate financial inclusion to promote economic wellbeing, prosperity and ________________.
Sustainable Growth
Sustainable Credit
Sustainable Inclusion
Sustainable Development
Loans up to a limit of Rs.____________ per borrower for building health care facilities in Tier II to Tier IV centres are eligible for PSL classification.
Rs.8 crore
Rs.10 crore
Rs.12 crore
Rs.15 crore
As of March 31, 2025, the EDDPE programme achieved 100% coverage in more than 60% of districts. Which of the following statements is true?
It excludes all districts in Jammu & Kashmir and Ladakh
It covers all districts in 15 states and six union territories
It is limited to urban districts only
It is implemented only in Tier-2 and Tier-3 cities
Based on good track record and financial position of MSE Units, banks may increase collateral-free loan limit up to _______.
Rs.25 lakh
Rs.15 lakh
Rs.20 lakh
Rs.50 lakh
The implementation of strategies laid down in the document of National Strategy for Financial Education (NSFE) 2020-25 would be directly monitored by the ____________________.
Finance Minister
FSDC
RBI
TGFIIL
The number of operative KCCs declined by ________% during 2024-25 over the previous year.
2.5%
2.3%
2.7%
2.1%
Who was the Chairman for the RBI’s Committee on Financial Inclusion, 2008?
Dr. C Rangarajan
Dr. Raghuram Rajan
Dr. Bimal Jalan
Dr. S S Tarapore
What was one of the key milestones of the NSFI: 2019–24 in terms of geographic banking access?
Digital banking availability in all towns
Bank branch in every panchayat
Banking access to every village within 5 km radius/hamlet of 500 households in hilly areas
Universal ATM coverage in rural India
As per the World Bank Global Findex 2021, _____________ adults remained unbanked globally.
1.4 billion
1.7 billion
1.5 billion
1.9 billion
A critical challenge in achieving financial inclusion in developing countries is the low uptake of digital financial services, despite the availability of mobile banking platforms. This phenomenon is most likely linked to ____________.
Insufficient access to smartphones and the internet
High transaction costs associated with digital payments
Lack of trust in digital platforms due to security concerns
All of the above
As per the latest data, how many districts are covered under the lead bank scheme?
640
721
820
782
A core objective of the National Strategy for Financial Education (NSFE) 2020-2025 in India is to equip school-going children with financial knowledge. This initiative is most effectively achieved through _______________.
Providing financial education only to students in commerce streams
Distributing financial literacy pamphlets in schools
Integrating financial education modules into the existing school curriculum
Offering financial training only to school teachers
Under PSL, loans against warehouse receipts other than NWRs / eNWRs are allowed up to Rs._____________.
Rs.60 lakh
Rs.90 lakh
Rs.50 lakh
Rs.70 lakh
Why are banks instructed to display all credit-related information under a separate tab on their websites?
To comply with RTI regulations
To ensure higher cybersecurity standards
To enhance transparency and assist MSE borrowers
To promote digital banking
Financial literacy initiatives aimed at combating financial fraud, such as the RBI's SMS campaign, primarily target which aspect of consumer behaviour?
Promoting investment in mutual funds
Raising awareness of fraudulent schemes and protecting consumer interests
Encouraging participation in the stock market
Offering incentives for opening new bank accounts
As of December 2024, what was the year-on-year growth rate in aggregate balance in BSDBA accounts?
11.9%
15.3%
9.5%
10.2%
Which sub-index contributed the most to the improvement in the FI-Index in March 2024?
FI-Access
FI-Stability
FI-Quality
FI-Usage
How many total Milestones are there under NSFI 2019-24?
18
17
19
16
What was the theme of Financial Literacy Week (FLW) 2025?
Financial Literacy – Youth Empowerment
Digital Finance – Safe and Secure
Financial Literacy – Women’s Prosperity
Inclusive Banking – Rural Outreach
What key improvement has been mandated to enhance transparency in the loan application process for MSMEs?
Furnishing a checklist of required documents and reason(s) for loan rejection
Removal of interest rate ceilings
Elimination of the requirement for audited financials
Introduction of mobile-only application procedures
In terms of absolute value of PSL for 2024–25, which bank group lent the most?
PvSBs
PSBs
FBs
RRBs
The EDDPE programme excluded districts from which of the following Union Territories/States?
Delhi and Puducherry
Two districts in Ladakh and three in Mizoram
One district in Dadra and Nagar Haveli
Two districts in Andaman & Nicobar Islands and one district in Manipur
As of March 31, 2025, how many states and Union Territories have fully achieved the NSFI milestone?
27 States and 7 UTs
26 States and 9 UTs
27 States and 8 UTs
28 States and 6 UTs
What was the funding source for the CFL pilot project?
State government budget and SIDBI
Reserve Bank of India and Ministry of Finance
International Development Agencies
Financial Inclusion Fund (FIF) of NABARD and sponsor banks
In the Global Findex Database 2021, which region recorded the highest gender gap in financial account ownership?
East Asia and Pacific
Sub-Saharan Africa
South Asia
Latin America and the Caribbean
What was the name of the quiz competition conducted by the Reserve Bank to commemorate its 90th year?
RBI90Quiz
RBI Gyaan Quiz
RBI Smart Minds
RBI Financial Challenge
One of the key goals for 2025–26 is the review of which index related to financial inclusion?
Consumer Confidence Index
Financial Inclusion Index (FI-Index)
MSME Credit Index
Rural Banking Index
What role do CFLs (Centres for Financial Literacy) play in the NSFI strategy?
Serve as hubs for community-level financial education
Provide regulatory training to bankers
Issue micro-loans in rural areas
Regulate NBFC activity
What percentage of the identified villages/hamlets across the country have been covered under the NSFI target as of March 2025?
98.5%
100%
95.75%
99.99%
According to the revised definition, which authority's identification is now used to recognize MSE clusters?
National Credit Guarantee Trustee Company
RBI and SEBI jointly
Ministry of MSME and state governments
NITI Aayog
What was the total PSL amount by all SCBs in 2024–25?
Rs.58.5 lakh crore
Rs.65.7 lakh crore
Rs.63.2 lakh crore
Rs.69.5 lakh crore
Which MSME segment received the highest amount of outstanding credit in 2024–25?
Micro Enterprises
Small Enterprises
Medium Enterprises
Large Enterprises
The FI-Index uses data collated from which of the following sectors?
Only banking
Only insurance and pension
Only government schemes
Banking, investments, insurance, postal and pensions
Under the revised PSL guidelines, the individual loan ceiling for woman beneficiary increased to Rs._____________.
Rs.1 lakh
Rs. 2 lakhs
Rs.1.5 lakh
Rs.2.5 lakh
What unique feature was introduced during FLW 2025 to enhance accessibility?
Use of AI-powered chatbots
Cash prizes for quiz participants
Availability of messages in Indian Sign Language (ISL)
Door-to-door financial literacy campaigns
The revised cluster financing guidelines aim to address which of the following?
Increase collateral requirements for MSE loans
Improve credit penetration in government-identified MSE clusters
Merge urban and rural financing schemes
Expand foreign credit lines for micro-enterprises
What was the format of the RBI90Quiz competition?
Online stage followed by national final
Only written tests
State-wise physical rounds only
Audio-visual rounds at zonal centres
Under the 2025–26 agenda, the Department aims to strengthen outreach and inclusion for which sector?
Housing Finance
Startups
MSMEs
Large Corporates
Under the 2025–26 agenda, the Department aims to achieve 100% coverage in what percentage of districts across the country under the EDDPE initiative?
70%
75%
85%
80%
Which of the following best represents the policy intent behind the NSFI geographic milestone?
Promoting fintech start-ups in metro cities
Ensuring inclusive credit access and financial services in rural and remote areas
Reducing digital payment fraud in urban areas
Expanding ATM networks in semi-urban towns
What was the combined number of MSME credit accounts in 2024–25?
245.3 lakh
251.4 lakh
277.2 lakh
205.3 lakh
