{"id":179062,"date":"2026-09-16T16:19:17","date_gmt":"2026-09-16T10:49:17","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=179062"},"modified":"2026-09-16T16:19:19","modified_gmt":"2026-09-16T10:49:19","slug":"rbi-circulars","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/","title":{"rendered":"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span 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ez-toc-heading-22\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#i-5\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Sign_Up-6\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Login-6\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Forgot_Password-6\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#i-6\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_RBI_Circulars_2026_and_why_are_they_important\" >What are RBI Circulars 2026 and why are they important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_RBI_Circulars_covered_in_August_2026\" >What are the RBI Circulars covered in August 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_RBI_Circulars_covered_in_July_2026\" >What are the RBI Circulars covered in July 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_important_RBI_Circulars_released_in_June_2026\" >What are the important RBI Circulars released in June 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_important_RBI_circular_topics_covered_in_May_2026\" >What are the important RBI circular topics covered in May 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_important_RBI_circular_topics_covered_in_April_2026\" >What are the important RBI circular topics covered in April 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_topics_are_covered_in_RBI_Circulars_March_2026\" >What topics are covered in RBI Circulars March 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_did_RBI_change_for_lending_to_REITs_and_InvITs\" >What did RBI change for lending to REITs and InvITs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_important_eligibility_conditions_for_REITs_and_InvITs\" >What are the important eligibility conditions for REITs and InvITs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_is_FEMA_authorized_person_regulation_2026\" >What is FEMA authorized person regulation 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_Categories_of_Authorized_Dealers_AD\" >What are the Categories of Authorized Dealers (AD)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_key_NBFC_prudential_norms_changes_in_RBI_Circular_2026\" >What are the key NBFC prudential norms changes in RBI Circular 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_is_quarterly_profit_included_in_owned_funds_under_RBI_2026_rules\" >How is quarterly profit included in owned funds under RBI 2026 rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_is_concentration_risk_management_amendment_in_NBFC_rules\" >What is concentration risk management amendment in NBFC rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_do_HFC_CIC_ARC_and_other_entities_align_with_NBFC_capital_adequacy_changes\" >How do HFC, CIC, ARC and other entities align with NBFC capital adequacy changes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_RBI_2026_dividend_declaration_norms_for_banks\" >What are RBI 2026 dividend declaration norms for banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_is_Adjusted_Profit_After_Tax_calculated_under_RBI_rules\" >How is Adjusted Profit After Tax calculated under RBI rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_eligibility_conditions_for_dividend_declaration\" >What are eligibility conditions for dividend declaration?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_does_CET1_ratio_determine_dividend_payout_under_RBI_2026_norms\" >How does CET1 ratio determine dividend payout under RBI 2026 norms?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_is_the_75_PAT_rule_and_DSIB_buffer_requirement\" >What is the 75% PAT rule and DSIB buffer requirement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_items_are_excluded_from_dividend_calculation_under_RBI_2026_rules\" >What items are excluded from dividend calculation under RBI 2026 rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_remittance_of_profit_rules_for_foreign_banks_in_India\" >What are remittance of profit rules for foreign banks in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#RBI_Latest_Circulars\" >RBI Latest Circulars<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The RBI Circulars issued in 2026 bring important regulatory updates for banks, NBFCs, HFCs, CICs, and other financial institutions. These updates are important for RBI Grade B, CAIIB, JAIIB, and other banking exam aspirants, especially for topics such as capital funds, CET1 ratio, adjusted profit after tax, and dividend payout rules. Understanding these circulars can help candidates stay updated with key banking regulations and prepare better for exam questions. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-rbi-circulars-practice-quiz\"><span class=\"ez-toc-section\" id=\"Download_RBI_Circulars_Practice_Quiz\"><\/span>Download RBI Circulars Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Download the RBI Circulars Practice Quiz PDF, which includes 100 important questions along with key RBI circular updates for Phase 1 and Phase 2 exams. Go through these circulars and practice the questions to better understand the latest regulatory updates issued by the Reserve Bank of India. This will help you strengthen your preparation and stay updated with important changes for upcoming banking exams.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>RBI Circulars Questions with Answers<\/td><td><a href=\"https:\/\/www.oliveboard.in\/rbi-circulars-practice-quiz-pdf\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download Free PDF<\/a><\/td><\/tr><tr><td>RBI Circulars for Phase 1 Exam<\/td><td><a href=\"https:\/\/www.oliveboard.in\/rbi-circulars-pdf\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI August 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-july-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI July 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-july-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI June 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-june-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI May 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-may-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI April 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-april-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI March 2026 Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-march-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI February Circular Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-rbi-circulars-practice-quiz\"><span class=\"ez-toc-section\" id=\"Attempt_RBI_Circulars_Practice_Quiz\"><\/span>Attempt RBI Circulars Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Attempt the RBI Circulars Practice Quiz to test your understanding of key regulatory updates, banking norms, and RBI guidelines essential for competitive exams.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-6-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-6-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-6 * { box-sizing: border-box; }\n\n#quiz-6 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-6 h2 {\n  text-align: center;\n}\n\n#quiz-6 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-6 .question p {\n  font-weight: bold;\n}\n\n#quiz-6 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-6 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-6 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-6 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-6 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-6 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-6 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-6 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-6 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-6 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-6 .bar-attempted { background: #2196f3; }\n#quiz-6 .bar-correct { background: #4caf50; }\n#quiz-6 .bar-wrong { background: #f44336; }\n#quiz-6 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-6 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-6 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-6\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-6-sticky-header\">\n  <span> RBI Circulars August Practice Quiz<\/span>\n  <span id=\"quiz-6-score-badge\">Score: <strong id=\"quiz-6-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. What is the central theme of the RBI circular on responsible business conduct discussed in the transcript?<\/p>\n  <button data-correct=\"false\">Banks should stop all recovery activity after the first missed instalment.<\/button>\n  <button data-correct=\"false\">Only cooperative banks may appoint recovery agencies.<\/button>\n  <button data-correct=\"false\">Borrowers must surrender all financed assets immediately after default.<\/button>\n  <button data-correct=\"false\">Recovery agencies may use any method if the loan agreement permits it.<\/button>\n  <button data-correct=\"true\">Financial institutions must conduct recovery activities responsibly and ethically.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. Which of the following institutions is specifically stated in the transcript as NOT covered by the loan-recovery directions because it cannot give credit?<\/p>\n  <button data-correct=\"false\">Commercial bank<\/button>\n  <button data-correct=\"true\">Payment bank<\/button>\n  <button data-correct=\"false\">Small finance bank<\/button>\n  <button data-correct=\"false\">Regional rural bank<\/button>\n  <button data-correct=\"false\">Urban cooperative bank<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. According to the transcript, recovery practices must protect which three borrower interests?<\/p>\n  <button data-correct=\"false\">Profitability, liquidity and solvency<\/button>\n  <button data-correct=\"false\">Speed, secrecy and collateral value<\/button>\n  <button data-correct=\"true\">Dignity, privacy and fair treatment<\/button>\n  <button data-correct=\"false\">Credit score, tax status and employment rank<\/button>\n  <button data-correct=\"false\">Branch access, deposit rate and insurance cover<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. In the transcript, a recovery agency is described primarily as what?<\/p>\n  <button data-correct=\"false\">An internal RBI department that settles all overdue loans<\/button>\n  <button data-correct=\"false\">A court-appointed liquidator for every defaulting borrower<\/button>\n  <button data-correct=\"false\">A credit bureau that assigns borrower ratings<\/button>\n  <button data-correct=\"false\">A deposit-taking agent working only for payment banks<\/button>\n  <button data-correct=\"true\">An external entity or individual engaged under an outsourcing arrangement to assist a bank in recovering dues<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Who may also work as a recovery agency, according to the transcript?<\/p>\n  <button data-correct=\"false\">A statutory auditor<\/button>\n  <button data-correct=\"false\">A stock exchange<\/button>\n  <button data-correct=\"false\">A payment bank customer<\/button>\n  <button data-correct=\"true\">A business correspondent<\/button>\n  <button data-correct=\"false\">A district magistrate<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. What is the role of recovery agents working under a recovery agency, as described in the transcript?<\/p>\n  <button data-correct=\"false\">They set the RBI policy rate.<\/button>\n  <button data-correct=\"false\">They approve all new bank licences.<\/button>\n  <button data-correct=\"false\">They calculate CRR for the banking system.<\/button>\n  <button data-correct=\"false\">They issue FCNR deposits directly to borrowers.<\/button>\n  <button data-correct=\"true\">They perform the ground-level recovery work such as visiting or calling borrowers.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. What must a bank maintain regarding collection and recovery?<\/p>\n  <button data-correct=\"false\">A daily public list of all defaulting borrowers<\/button>\n  <button data-correct=\"false\">A separate policy only for payment banks<\/button>\n  <button data-correct=\"false\">A policy that prohibits escalation in all cases<\/button>\n  <button data-correct=\"true\">A policy clearly stating how recovery will be carried out<\/button>\n  <button data-correct=\"false\">A policy prepared by each borrower<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. What should the collection and recovery policy contain for cases where a borrower does not respond?<\/p>\n  <button data-correct=\"false\">A compulsory criminal complaint in every case<\/button>\n  <button data-correct=\"false\">An automatic full-device lock from day one<\/button>\n  <button data-correct=\"true\">An escalation matrix indicating the next step and where the matter may be escalated<\/button>\n  <button data-correct=\"false\">A fixed waiver of the entire overdue amount<\/button>\n  <button data-correct=\"false\">A mandatory transfer of the loan to another bank<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. What certification requirement for recovery agents is mentioned in the transcript?<\/p>\n  <button data-correct=\"false\">Every agent must hold an RBI Grade B certificate.<\/button>\n  <button data-correct=\"false\">Every agent must be a chartered accountant.<\/button>\n  <button data-correct=\"false\">Only agents certified by a stock exchange may be engaged.<\/button>\n  <button data-correct=\"false\">No certification is required if the loan is secured.<\/button>\n  <button data-correct=\"true\">The recovery agency must engage only agents holding an Indian Institute of Banking and Finance certificate.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. What must a bank publish regarding its recovery agencies?<\/p>\n  <button data-correct=\"false\">A list of all borrowers with overdue accounts<\/button>\n  <button data-correct=\"false\">A daily list of all recovery calls<\/button>\n  <button data-correct=\"false\">A list of only former recovery agencies<\/button>\n  <button data-correct=\"false\">A list of all bank employees handling deposits<\/button>\n  <button data-correct=\"true\">An updated list of empanelled recovery agencies on its website<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. For how long must records of recovery calls be preserved from the call date, according to the transcript?<\/p>\n  <button data-correct=\"false\">30 days<\/button>\n  <button data-correct=\"false\">60 days<\/button>\n  <button data-correct=\"false\">3 months<\/button>\n  <button data-correct=\"false\">1 year<\/button>\n  <button data-correct=\"true\">6 months<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. When may a bank take possession of security provided by a borrower, according to the transcript?<\/p>\n  <button data-correct=\"false\">Whenever the borrower misses a single phone call<\/button>\n  <button data-correct=\"true\">When the action is legally valid and supported by a clause in the agreement<\/button>\n  <button data-correct=\"false\">Only after the borrower changes residence<\/button>\n  <button data-correct=\"false\">Without any contractual provision if the bank considers it necessary<\/button>\n  <button data-correct=\"false\">Only when the financed asset is a mobile phone<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. If a borrower has defaulted on a housing loan, what does the transcript say about restricting the borrower&#8217;s unrelated mobile phone or laptop?<\/p>\n  <button data-correct=\"false\">They may be fully disabled immediately.<\/button>\n  <button data-correct=\"false\">Only incoming calls may be blocked.<\/button>\n  <button data-correct=\"false\">They must be surrendered to the bank within 30 days.<\/button>\n  <button data-correct=\"true\">Such unrelated devices cannot be restricted merely because of the housing-loan default.<\/button>\n  <button data-correct=\"false\">They may be locked if the device is expensive.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Technology-based restrictions on a device are permitted only when the dues arise from what?<\/p>\n  <button data-correct=\"false\">Any loan taken from the same bank<\/button>\n  <button data-correct=\"false\">Any overdue credit card balance<\/button>\n  <button data-correct=\"false\">A deposit account maintained by the borrower<\/button>\n  <button data-correct=\"true\">The bank&#8217;s financing of that particular device<\/button>\n  <button data-correct=\"false\">Any loan taken by a family member<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. What must the loan agreement do if technology-based restrictions may be used on a financed device?<\/p>\n  <button data-correct=\"false\">Guarantee that the device will never be restored<\/button>\n  <button data-correct=\"false\">Allow the bank to access all personal data<\/button>\n  <button data-correct=\"false\">Permit immediate blocking before the due date<\/button>\n  <button data-correct=\"false\">Remove the need for borrower notices<\/button>\n  <button data-correct=\"true\">Clearly state the permitted restrictions<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. What approach to device restrictions is required in the transcript?<\/p>\n  <button data-correct=\"false\">Immediate complete disablement<\/button>\n  <button data-correct=\"false\">Permanent restriction after the first missed payment<\/button>\n  <button data-correct=\"true\">A gradual approach<\/button>\n  <button data-correct=\"false\">Restriction only after court liquidation<\/button>\n  <button data-correct=\"false\">A random restriction schedule<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. Before a financed-device payment is 30 days past due, what restriction is permitted according to the transcript?<\/p>\n  <button data-correct=\"false\">Only outgoing calls may be blocked<\/button>\n  <button data-correct=\"true\">No restriction or disablement<\/button>\n  <button data-correct=\"false\">Only work apps may be blocked<\/button>\n  <button data-correct=\"false\">The full set of agreed restrictions<\/button>\n  <button data-correct=\"false\">Complete device disablement<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. Once an amount is 30 days past due, what may begin if the borrower has not paid despite notices?<\/p>\n  <button data-correct=\"false\">Permanent confiscation of all devices<\/button>\n  <button data-correct=\"false\">Automatic cancellation of the loan<\/button>\n  <button data-correct=\"false\">Blocking of all emergency services<\/button>\n  <button data-correct=\"true\">Gradual restrictions<\/button>\n  <button data-correct=\"false\">Immediate sale of the borrower&#8217;s residence<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. At what stage may the full set of restrictions permitted under the agreement apply to a financed device?<\/p>\n  <button data-correct=\"false\">On the due date itself<\/button>\n  <button data-correct=\"false\">After 7 days past due<\/button>\n  <button data-correct=\"true\">Once the dues are 60 days past due<\/button>\n  <button data-correct=\"false\">After 30 days past due<\/button>\n  <button data-correct=\"false\">Only after 1 year past due<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. According to the transcript, outgoing calls cannot be restricted before the dues are how many days past due?<\/p>\n  <button data-correct=\"false\">15 days<\/button>\n  <button data-correct=\"false\">30 days<\/button>\n  <button data-correct=\"false\">45 days<\/button>\n  <button data-correct=\"false\">90 days<\/button>\n  <button data-correct=\"true\">60 days<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div 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}\n\n#quiz-5 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-5 h2 {\n  text-align: center;\n}\n\n#quiz-5 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-5 .question p {\n  font-weight: bold;\n}\n\n#quiz-5 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-5 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-5 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-5 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-5 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-5 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-5 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-5 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-5 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-5 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-5 .bar-attempted { background: #2196f3; }\n#quiz-5 .bar-correct { background: #4caf50; }\n#quiz-5 .bar-wrong { background: #f44336; }\n#quiz-5 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-5 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-5 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-5\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-5-sticky-header\">\n  <span> RBI Circulars July Practice Quiz<\/span>\n  <span id=\"quiz-5-score-badge\">Score: <strong id=\"quiz-5-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. On what date did RBI release the unified governance directions for Commercial, Small Finance, Local Area, and Payment Banks?<\/p>\n  <button data-correct=\"false\">July 1, 2026<\/button>\n  <button data-correct=\"false\">August 1, 2026<\/button>\n  <button data-correct=\"true\">July 14, 2026<\/button>\n  <button data-correct=\"false\">July 15, 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. What was the primary problem the new governance directions sought to address?<\/p>\n  <button data-correct=\"false\">Lack of digital banking infrastructure<\/button>\n  <button data-correct=\"true\">Excessive operational review burden on the Board, diluting focus on strategic duties<\/button>\n  <button data-correct=\"false\">Rising NPA levels across the banking sector<\/button>\n  <button data-correct=\"false\">Insufficient capital adequacy of banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Under the rationalised governance framework, into how many broad categories has RBI classified board-related matters?<\/p>\n  <button data-correct=\"true\">Three<\/button>\n  <button data-correct=\"false\">Five<\/button>\n  <button data-correct=\"false\">Two<\/button>\n  <button data-correct=\"false\">Four<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Which of the following is NOT one of the three categories into which board matters have been rationalised?<\/p>\n  <button data-correct=\"false\">Matters that may be delegated<\/button>\n  <button data-correct=\"false\">Matters requiring initial Board approval with subsequent reviews delegated<\/button>\n  <button data-correct=\"false\">Matters that must continue to be approved by the Board<\/button>\n  <button data-correct=\"true\">Matters requiring shareholder approval before Board review<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Under RBI\u2019s governance principles, the Board must clearly articulate all of the following EXCEPT:<\/p>\n  <button data-correct=\"false\">Matters requiring periodic reporting<\/button>\n  <button data-correct=\"false\">Matters to be brought forward for information only<\/button>\n  <button data-correct=\"true\">Matters requiring approval of the Reserve Bank of India before implementation<\/button>\n  <button data-correct=\"false\">Matters reserved for prior Board approval<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. Who holds primary responsibility for setting the agenda of Board meetings under the new governance direction?<\/p>\n  <button data-correct=\"false\">The Chief Risk Officer<\/button>\n  <button data-correct=\"true\">The Board Chairperson<\/button>\n  <button data-correct=\"false\">The Managing Director\/CEO<\/button>\n  <button data-correct=\"false\">The Company Secretary<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. How many broad policy heads are listed in Appendix I of the governance directions?<\/p>\n  <button data-correct=\"false\">25<\/button>\n  <button data-correct=\"false\">15<\/button>\n  <button data-correct=\"true\">19<\/button>\n  <button data-correct=\"false\">21<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Which of the following is included among the 19 Board policy heads requiring mandatory Board approval?<\/p>\n  <button data-correct=\"true\">KYC policy<\/button>\n  <button data-correct=\"false\">Routine cybersecurity incident reporting<\/button>\n  <button data-correct=\"false\">Doorstep banking arrangements<\/button>\n  <button data-correct=\"false\">Customer service grievance redressal timelines<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Which of the following matters can be delegated by the Board under the new governance directions?<\/p>\n  <button data-correct=\"false\">CEO and director compensation policy<\/button>\n  <button data-correct=\"false\">Outsourcing policy<\/button>\n  <button data-correct=\"false\">Appointment and remuneration of statutory auditors<\/button>\n  <button data-correct=\"true\">Investment portfolio-related operational matters<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. The new governance directions apply uniformly (with a unified approach) to which categories of banks?<\/p>\n  <button data-correct=\"false\">Only Scheduled Commercial Banks<\/button>\n  <button data-correct=\"true\">Commercial, Small Finance, Local Area, and Payment Banks<\/button>\n  <button data-correct=\"false\">Cooperative Banks only<\/button>\n  <button data-correct=\"false\">Only Commercial Banks and NBFCs<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. What is the core objective of rationalising Board-related operational matters?<\/p>\n  <button data-correct=\"true\">To free the Board to focus on strategy while retaining ultimate responsibility<\/button>\n  <button data-correct=\"false\">To reduce the frequency of Board meetings to twice a year<\/button>\n  <button data-correct=\"false\">To completely remove Board oversight of risk management<\/button>\n  <button data-correct=\"false\">To transfer ultimate responsibility from the Board to management<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. Which of the following remains a core strategic responsibility of the Board that the new directions seek to protect from operational dilution?<\/p>\n  <button data-correct=\"false\">Reviewing daily branch-level transactions<\/button>\n  <button data-correct=\"false\">Approving petty cash disbursements<\/button>\n  <button data-correct=\"true\">Risk management and long-term planning<\/button>\n  <button data-correct=\"false\">Sanctioning individual retail loan applications<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Management&#8217;s obligation regarding information flow to the Board, as per the new directions, is to ensure:<\/p>\n  <button data-correct=\"false\">Only financial statements are shared with the Board<\/button>\n  <button data-correct=\"true\">The Board receives sufficient and timely information to discharge its duties effectively<\/button>\n  <button data-correct=\"false\">The Board receives information only when specifically requested<\/button>\n  <button data-correct=\"false\">Information is shared with the Board only during annual general meetings<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Auditor appointment and remuneration policy falls under which category as per the governance directions?<\/p>\n  <button data-correct=\"false\">A matter requiring RBI&#8217;s prior approval<\/button>\n  <button data-correct=\"false\">A delegable operational matter<\/button>\n  <button data-correct=\"false\">A matter to be reported only annually<\/button>\n  <button data-correct=\"true\">One of the 19 policy heads requiring mandatory Board approval<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. Digital banking and IT policy, as per the governance directions, requires:<\/p>\n  <button data-correct=\"false\">Approval from the Ministry of Finance<\/button>\n  <button data-correct=\"false\">No Board involvement at all<\/button>\n  <button data-correct=\"false\">Approval only from the IT department<\/button>\n  <button data-correct=\"true\">Mandatory prior Board approval as one of the 19 policy heads<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. The Credit Facilities Amendment Direction relating to financing of independent units of large projects became effective from:<\/p>\n  <button data-correct=\"false\">July 14, 2026<\/button>\n  <button data-correct=\"false\">August 15, 2026<\/button>\n  <button data-correct=\"true\">July 15, 2026<\/button>\n  <button data-correct=\"false\">July 1, 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. The amendment on financing independent project units applies to which entities?<\/p>\n  <button data-correct=\"false\">Only Payment Banks<\/button>\n  <button data-correct=\"true\">Commercial banks, Small Finance Banks, NBFCs, AIFIs, and Urban Cooperative Banks<\/button>\n  <button data-correct=\"false\">Only Commercial Banks<\/button>\n  <button data-correct=\"false\">Only NBFCs and AIFIs<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. Under the RBI amendment, an independent unit of a larger project may be financed as a separate project provided it:<\/p>\n  <button data-correct=\"true\">Has its own financial closure and is appraised ex ante for standalone viability<\/button>\n  <button data-correct=\"false\">Is owned by a government entity<\/button>\n  <button data-correct=\"false\">Has operated for at least three years<\/button>\n  <button data-correct=\"false\">Has a minimum project cost prescribed by RBI<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. Under the new flexibility, an independent unit of a large project can be financed as a separate project if it:<\/p>\n  <button data-correct=\"false\">Has already achieved commercial operations for five years<\/button>\n  <button data-correct=\"false\">Belongs to a government-owned company<\/button>\n  <button data-correct=\"false\">Has the same promoters as the parent project<\/button>\n  <button data-correct=\"true\">Can operate successfully and independently on its own<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Which of the following is a mandatory condition for treating an independent unit as a separate project for financing purposes?<\/p>\n  <button data-correct=\"false\">A credit rating of AAA<\/button>\n  <button data-correct=\"false\">Approval from the Ministry of Power<\/button>\n  <button data-correct=\"true\">The unit must achieve its own independent financial closure<\/button>\n  <button data-correct=\"false\">A minimum capacity of 100 MW<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-2\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login-2\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls 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formcontrol-group-fp\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><div tabindex=\"0\" role=\"button\" aria-labelledby=\"button-label\" class=\"nsm7Bb-HzV7m-LgbsSe  hJDwNd-SxQuSe i5vt6e-Ia7Qfc uaxL4e-RbRzK\"><div class=\"nsm7Bb-HzV7m-LgbsSe-MJoBVe\"><\/div><div class=\"nsm7Bb-HzV7m-LgbsSe-bN97Pc-sM5MNb \"><div class=\"nsm7Bb-HzV7m-LgbsSe-Bz112c\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\" class=\"LgbsSe-Bz112c\"><g><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"><\/path><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i-2\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? params.get(name) : defaultValue;\n}\n\nvar l_log = getUrlParam('log', 0);\n<\/script>\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\n\n\n<script>\n(() => {\n  const quizContainer = document.getElementById('quiz-5');\n  const STORAGE_KEY = 'quiz_5_state';\n  let score = 0;\n  let attempted = 0;\n  let correct = 0;\n  let wrong = 0;\n\n  const questions = quizContainer.querySelectorAll(\".question\");\n  const total = questions.length;\n\n  function loadState() {\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-5-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 9 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-4-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-4-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-4 * { box-sizing: border-box; }\n\n#quiz-4 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-4 h2 {\n  text-align: center;\n}\n\n#quiz-4 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-4 .question p {\n  font-weight: bold;\n}\n\n#quiz-4 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-4 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-4 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-4 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-4 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-4 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-4 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-4 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-4 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-4 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-4 .bar-attempted { background: #2196f3; }\n#quiz-4 .bar-correct { background: #4caf50; }\n#quiz-4 .bar-wrong { background: #f44336; }\n#quiz-4 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-4 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-4 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-4\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-4-sticky-header\">\n  <span> RBI Circulars June Practice Quiz<\/span>\n  <span id=\"quiz-4-score-badge\">Score: <strong id=\"quiz-4-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. As per RBI&#8217;s amendment direction on bank lending to REITs and InvITs, the revised provisions become applicable from:<\/p>\n  <button data-correct=\"false\">1 April 2026<\/button>\n  <button data-correct=\"false\">1 October 2026<\/button>\n  <button data-correct=\"true\">1 April 2027<\/button>\n  <button data-correct=\"false\">1 January 2027<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. RBI&#8217;s amendment direction on bank credit facilities to REITs\/InvITs amends which earlier direction?<\/p>\n  <button data-correct=\"true\">The Credit Facility Direction, 2025<\/button>\n  <button data-correct=\"false\">The Basel III Capital Regulations, 2015<\/button>\n  <button data-correct=\"false\">The Large Exposure Framework, 2019<\/button>\n  <button data-correct=\"false\">The Prudential Norms on Income Recognition, 2002<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Banks may extend credit facilities to a REIT or InvIT only if the entity is:<\/p>\n  <button data-correct=\"false\">Listed on any recognised stock exchange, regardless of regulator<\/button>\n  <button data-correct=\"true\">Registered with and regulated by SEBI<\/button>\n  <button data-correct=\"false\">Rated AAA by a credit rating agency<\/button>\n  <button data-correct=\"false\">Government-owned<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. For overseas branches of Indian banks participating in a global loan syndication to a foreign REIT, the aggregate exposure across all overseas branches is capped at:<\/p>\n  <button data-correct=\"false\">10% of the deal size<\/button>\n  <button data-correct=\"false\">15% of the deal size<\/button>\n  <button data-correct=\"false\">25% of the deal size<\/button>\n  <button data-correct=\"true\">20% of the deal size<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. SBI&#8217;s Singapore branch contributes \u20b9150 crore to a \u20b91,000 crore syndicated loan extended to a foreign REIT. Is this within the RBI prescribed overseas branch exposure cap?<\/p>\n  <button data-correct=\"true\">Yes, 15% is within the 20% cap<\/button>\n  <button data-correct=\"false\">No, 15% exceeds the cap<\/button>\n  <button data-correct=\"false\">Yes, but only because REITs are exempt from the cap<\/button>\n  <button data-correct=\"false\">No, overseas branches cannot lend to REITs at all<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. DSCR, a benchmark banks must assess before lending to a REIT\/InvIT, stands for:<\/p>\n  <button data-correct=\"false\">Debt Security Coverage Regulation<\/button>\n  <button data-correct=\"true\">Debt Service Coverage Ratio<\/button>\n  <button data-correct=\"false\">Direct Sanction Credit Rating<\/button>\n  <button data-correct=\"false\">Deposit Service Credit Report<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. Under the eligibility conditions, a bank may lend to a REIT only if it is listed and at least what percentage of its underlying assets have been generating positive cash flow from operations for at least one year?<\/p>\n  <button data-correct=\"false\">50%<\/button>\n  <button data-correct=\"false\">60%<\/button>\n  <button data-correct=\"false\">70%<\/button>\n  <button data-correct=\"true\">80%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Bank finance to refinance an existing SPV loan under a REIT structure is permitted only when:<\/p>\n  <button data-correct=\"false\">The SPV provides a personal guarantee<\/button>\n  <button data-correct=\"false\">RBI grants a one-time waiver<\/button>\n  <button data-correct=\"true\">The underlying project is complete, evidenced by a completion\/occupancy certificate or equivalent approval<\/button>\n  <button data-correct=\"false\">The loan amount is below a prescribed threshold<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Which repayment structure is expressly disallowed for bank loans extended to REITs\/InvITs?<\/p>\n  <button data-correct=\"true\">Bullet\/balloon repayment<\/button>\n  <button data-correct=\"false\">Equated monthly instalments<\/button>\n  <button data-correct=\"false\">Structured amortisation<\/button>\n  <button data-correct=\"false\">Step-down repayment<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. Acquisition finance extended by a bank to a REIT (for acquiring stake in another entity\/SPV) is governed by:<\/p>\n  <button data-correct=\"false\">The general large exposure norms only<\/button>\n  <button data-correct=\"true\">A separate, dedicated chapter\/circular on acquisition finance<\/button>\n  <button data-correct=\"false\">The Basel III liquidity coverage ratio norms<\/button>\n  <button data-correct=\"false\">The MSME restructuring guidelines<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. The overall leverage of a borrowing REIT must remain within:<\/p>\n  <button data-correct=\"false\">A flat cap of 30% of net worth set by RBI<\/button>\n  <button data-correct=\"false\">No cap; leverage is unregulated<\/button>\n  <button data-correct=\"false\">A cap decided solely by the bank&#8217;s board, superseding SEBI norms<\/button>\n  <button data-correct=\"true\">The ceiling prescribed by SEBI, or the bank board&#8217;s own lower limit \u2014 whichever is lower<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. The aggregate exposure of all lending banks (together with the REIT&#8217;s underlying SPVs and holding company) to a single borrowing REIT must not exceed:<\/p>\n  <button data-correct=\"false\">40% of the REIT&#8217;s asset value<\/button>\n  <button data-correct=\"false\">45% of the REIT&#8217;s asset value<\/button>\n  <button data-correct=\"true\">49% of the REIT&#8217;s asset value<\/button>\n  <button data-correct=\"false\">51% of the REIT&#8217;s asset value<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Bank financing extended to REITs\/InvITs, as per the amended direction, must be:<\/p>\n  <button data-correct=\"true\">Fully secured, with a mandatory charge over the underlying immovable property where the financing relates to a property<\/button>\n  <button data-correct=\"false\">Unsecured, since REITs are SEBI-regulated<\/button>\n  <button data-correct=\"false\">Partially secured up to 50% of the loan value<\/button>\n  <button data-correct=\"false\">Secured only by a corporate guarantee<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. For an InvIT to be loan-eligible, what minimum share of its asset value must be complete and revenue-generating, having posted positive net cash flow from operations in the preceding year?<\/p>\n  <button data-correct=\"false\">60%<\/button>\n  <button data-correct=\"false\">70%<\/button>\n  <button data-correct=\"false\">75%<\/button>\n  <button data-correct=\"true\">80%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. Under RBI&#8217;s Concentration Risk Management (Third Amendment) direction, banks must, in addition to fixing sub-limits for real estate exposure, also determine:<\/p>\n  <button data-correct=\"false\">A separate limit only for residential mortgages<\/button>\n  <button data-correct=\"true\">A specific sub-limit for exposure to REITs within the overall real estate exposure limit<\/button>\n  <button data-correct=\"false\">A limit applicable only to NBFCs<\/button>\n  <button data-correct=\"false\">A limit set exclusively by SEBI<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. Under the Concentration Risk Management amendment, a commercial bank&#8217;s exposure to REITs is capped at what percentage of its eligible capital base?<\/p>\n  <button data-correct=\"false\">5%<\/button>\n  <button data-correct=\"false\">7.5%<\/button>\n  <button data-correct=\"true\">10%<\/button>\n  <button data-correct=\"false\">15%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. The Concentration Risk Management (Third Amendment) direction capping REIT exposure at 10% of eligible capital base takes effect from:<\/p>\n  <button data-correct=\"true\">1 October 2026<\/button>\n  <button data-correct=\"false\">1 April 2026<\/button>\n  <button data-correct=\"false\">1 January 2027<\/button>\n  <button data-correct=\"false\">1 July 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. Under the prescribed risk-weight framework, a bank&#8217;s normal exposure to a REIT\u2014treated as commercial real estate exposure\u2014attracts a risk weight of:<\/p>\n  <button data-correct=\"false\">75%<\/button>\n  <button data-correct=\"false\">125%<\/button>\n  <button data-correct=\"false\">150%<\/button>\n  <button data-correct=\"true\">100%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. If a bank&#8217;s REIT exposure additionally qualifies as capital market exposure, the applicable risk weight is:<\/p>\n  <button data-correct=\"false\">100%<\/button>\n  <button data-correct=\"true\">125%<\/button>\n  <button data-correct=\"false\">110%<\/button>\n  <button data-correct=\"false\">150%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Lending to REITs by the overseas branches of an Indian bank attracts a risk weight of:<\/p>\n  <button data-correct=\"false\">100%<\/button>\n  <button data-correct=\"false\">125%<\/button>\n  <button data-correct=\"true\">150%<\/button>\n  <button data-correct=\"false\">175%<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div 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}\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-4-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 9 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Explore RBI Grade B Courses<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-3-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-3-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-3 * { box-sizing: border-box; }\n\n#quiz-3 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-3 h2 {\n  text-align: center;\n}\n\n#quiz-3 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-3 .question p {\n  font-weight: bold;\n}\n\n#quiz-3 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-3 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-3 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-3 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-3 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-3 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-3 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-3 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-3 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-3 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-3 .bar-attempted { background: #2196f3; }\n#quiz-3 .bar-correct { background: #4caf50; }\n#quiz-3 .bar-wrong { background: #f44336; }\n#quiz-3 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-3 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-3 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-3\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-3-sticky-header\">\n  <span> RBI Circulars May Practice Quiz<\/span>\n  <span id=\"quiz-3-score-badge\">Score: <strong id=\"quiz-3-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Under FEMA, which portal must be used by existing Authorized Persons to apply for fresh authorization after expiry?<\/p>\n  <button data-correct=\"false\">COSMOS portal<\/button>\n  <button data-correct=\"false\">SWIFT portal<\/button>\n  <button data-correct=\"true\">PRAVAA portal<\/button>\n  <button data-correct=\"false\">SFMS portal<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. Which of the following entities is eligible to apply for AD Category 1 authorization under FEMA?<\/p>\n  <button data-correct=\"false\">NBFCs registered with RBI<\/button>\n  <button data-correct=\"true\">RBI-licensed banks only<\/button>\n  <button data-correct=\"false\">FFMCs<\/button>\n  <button data-correct=\"false\">Fintech companies with RBI approval<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. What is the minimum net worth requirement for an AD Category 2 entity?<\/p>\n  <button data-correct=\"true\">\u20b910 crore<\/button>\n  <button data-correct=\"false\">\u20b925 lakh<\/button>\n  <button data-correct=\"false\">\u20b92 crore<\/button>\n  <button data-correct=\"false\">\u20b950 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. An FFMC (Full-Fledged Money Changer) operating multiple branches must have a minimum net worth of:<\/p>\n  <button data-correct=\"false\">\u20b910 crore<\/button>\n  <button data-correct=\"false\">\u20b925 lakh<\/button>\n  <button data-correct=\"false\">\u20b92 crore<\/button>\n  <button data-correct=\"true\">\u20b950 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Under the Fit and Proper Criteria for Authorized Persons, at least what percentage of directors\/KMP must have financial sector experience?<\/p>\n  <button data-correct=\"false\">25%<\/button>\n  <button data-correct=\"false\">75%<\/button>\n  <button data-correct=\"true\">50%<\/button>\n  <button data-correct=\"false\">100%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. How many days before its expiry must an existing Authorized Dealer submit a renewal application to RBI?<\/p>\n  <button data-correct=\"false\">30 days<\/button>\n  <button data-correct=\"true\">60 days<\/button>\n  <button data-correct=\"false\">45 days<\/button>\n  <button data-correct=\"false\">90 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. What is the maximum transaction limit for trade-related current account transactions permitted for AD Category 2 entities?<\/p>\n  <button data-correct=\"false\">\u20b950 lakh<\/button>\n  <button data-correct=\"false\">\u20b910 lakh<\/button>\n  <button data-correct=\"true\">\u20b925 lakh<\/button>\n  <button data-correct=\"false\">\u20b9100 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Which of the following activities is an FFMC permitted to perform under FEMA?<\/p>\n  <button data-correct=\"true\">Purchase and sale of foreign currency notes<\/button>\n  <button data-correct=\"false\">Capital account transactions<\/button>\n  <button data-correct=\"false\">Export-import payments<\/button>\n  <button data-correct=\"false\">Foreign investments<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Within how many months must a newly authorized person commence operations under FEMA Authorized Person Regulations 2026?<\/p>\n  <button data-correct=\"false\">3 months<\/button>\n  <button data-correct=\"false\">12 months<\/button>\n  <button data-correct=\"false\">9 months<\/button>\n  <button data-correct=\"true\">6 months<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. A change in ownership exceeding what percentage threshold requires prior RBI approval for an authorized person?<\/p>\n  <button data-correct=\"false\">26%<\/button>\n  <button data-correct=\"true\">50%<\/button>\n  <button data-correct=\"false\">74%<\/button>\n  <button data-correct=\"false\">51%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Under the new outward remittance framework, what significant change has RBI introduced for non-bank entities?<\/p>\n  <button data-correct=\"true\">Non-bank entities can directly tie up with AD Category 1 banks without separate RBI approval<\/button>\n  <button data-correct=\"false\">Non-bank entities can directly deal in forex without any oversight<\/button>\n  <button data-correct=\"false\">SEBI approval instead of RBI<\/button>\n  <button data-correct=\"false\">Must form a joint venture with AD Category 1 banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. Under the new outward remittance framework, if a fintech partner processes a remittance incorrectly, who bears regulatory responsibility?<\/p>\n  <button data-correct=\"false\">fintech company alone<\/button>\n  <button data-correct=\"false\">shared equally<\/button>\n  <button data-correct=\"true\">AD Category 1 bank<\/button>\n  <button data-correct=\"false\">RBI assumes responsibility<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. The Capital Adequacy Ratio (CAR) formula is expressed as:<\/p>\n  <button data-correct=\"false\">Tier 1 Capital \/ Total Assets<\/button>\n  <button data-correct=\"true\">Capital \/ Risk Weighted Assets<\/button>\n  <button data-correct=\"false\">Net Worth \/ Total Deposits<\/button>\n  <button data-correct=\"false\">Tier 2 Capital \/ Risk Weighted Assets<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Which of the following is NOT a component of Tier 1 Capital?<\/p>\n  <button data-correct=\"false\">CET1<\/button>\n  <button data-correct=\"false\">AT1 bonds<\/button>\n  <button data-correct=\"false\">Subordinated debt<\/button>\n  <button data-correct=\"true\">Quarterly audited profits<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. Under the revised RBI framework, quarterly profits can be included in Tier 1 capital. What is the dividend adjustment applied while computing eligible quarterly profit?<\/p>\n  <button data-correct=\"false\">50% of average annual dividend<\/button>\n  <button data-correct=\"false\">100% of average annual dividend<\/button>\n  <button data-correct=\"false\">33% of average annual dividend<\/button>\n  <button data-correct=\"true\">25% of average annual dividend<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. The Investment Fluctuation Reserve (IFR) for commercial banks has been eliminated with effect from:<\/p>\n  <button data-correct=\"false\">1st April 2026<\/button>\n  <button data-correct=\"false\">1st January 2026<\/button>\n  <button data-correct=\"true\">18th May 2026<\/button>\n  <button data-correct=\"false\">31st March 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. Why has the RBI decided to eliminate the Investment Fluctuation Reserve (IFR) for commercial banks?<\/p>\n  <button data-correct=\"false\">Banks no longer hold investment portfolios<\/button>\n  <button data-correct=\"true\">Market risk is already covered under the revised capital charge framework<\/button>\n  <button data-correct=\"false\">Merged with Statutory Liquidity Ratio<\/button>\n  <button data-correct=\"false\">Replaced by Countercyclical Capital Buffer<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. When an existing IFR balance is dissolved for a commercial bank, it is transferred to which of the following?<\/p>\n  <button data-correct=\"true\">General reserve \/ Statutory reserve \/ P&#038;L account<\/button>\n  <button data-correct=\"false\">CRR account<\/button>\n  <button data-correct=\"false\">Government as dividend<\/button>\n  <button data-correct=\"false\">Capital adequacy buffer<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. A foreign bank operating in India through a branch mode dissolves its IFR. Which of the following is the correct treatment?<\/p>\n  <button data-correct=\"false\">freely repatriated<\/button>\n  <button data-correct=\"false\">deposited with RBI<\/button>\n  <button data-correct=\"false\">added to CRR<\/button>\n  <button data-correct=\"true\">must remain in Indian books<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. What is the IFR requirement for Small Finance Banks (SFBs) under the 2026 RBI circular?<\/p>\n  <button data-correct=\"false\">NIL<\/button>\n  <button data-correct=\"false\">5% of HFT + AFS portfolio<\/button>\n  <button data-correct=\"true\">2% of AFS + FVTPL portfolio<\/button>\n  <button data-correct=\"false\">2% of HTM + AFS portfolio<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-4\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login-4\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password-4\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div 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}\n\n#quiz-2 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-2 h2 {\n  text-align: center;\n}\n\n#quiz-2 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-2 .question p {\n  font-weight: bold;\n}\n\n#quiz-2 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-2 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-2 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-2 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-2 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-2 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-2 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-2 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-2 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-2 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-2 .bar-attempted { background: #2196f3; }\n#quiz-2 .bar-correct { background: #4caf50; }\n#quiz-2 .bar-wrong { background: #f44336; }\n#quiz-2 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-2 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-2 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-2\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-2-sticky-header\">\n  <span> RBI April Circulars Practice Quiz<\/span>\n  <span id=\"quiz-2-score-badge\">Score: <strong id=\"quiz-2-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Under RBI&#8217;s Scale Based Regulation, which category of NBFC is exempt from mandatory RBI registration?<\/p>\n  <button data-correct=\"false\">NBFC-D with public deposits<\/button>\n  <button data-correct=\"false\">Type 2 NBFC with standard compliance<\/button>\n  <button data-correct=\"true\">Type 1 NBFC with no public funds, no customer interface, and asset size below \u20b91,000 crore<\/button>\n  <button data-correct=\"false\">Any NBFC with assets below \u20b9500 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. What is the key asset size threshold for NBFC exemption from RBI registration under the updated Scale Based Regulation?<\/p>\n  <button data-correct=\"false\">\u20b9500 crore<\/button>\n  <button data-correct=\"true\">\u20b91,000 crore<\/button>\n  <button data-correct=\"false\">\u20b9750 crore<\/button>\n  <button data-correct=\"false\">\u20b92,000 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Which of the following is NOT included in the definition of &#8216;public funds&#8217; for NBFC classification purposes?<\/p>\n  <button data-correct=\"true\">Promoter&#8217;s own equity capital<\/button>\n  <button data-correct=\"false\">Money raised from public<\/button>\n  <button data-correct=\"false\">Bank borrowings<\/button>\n  <button data-correct=\"false\">Debentures issued to public<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Company A borrows funds from a bank and then lends them to its NBFC subsidiary. How does RBI treat this arrangement?<\/p>\n  <button data-correct=\"false\">As a legitimate internal group transaction exempt from public fund rules<\/button>\n  <button data-correct=\"false\">As a prohibited related-party transaction<\/button>\n  <button data-correct=\"true\">As indirect public fund exposure for the NBFC subsidiary<\/button>\n  <button data-correct=\"false\">As a foreign exchange exposure requiring FEMA reporting<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Under the group structure rule for NBFCs, when are all NBFCs in a group required to register with RBI?<\/p>\n  <button data-correct=\"false\">When any single NBFC in the group has assets above \u20b9500 crore<\/button>\n  <button data-correct=\"true\">When combined assets of all NBFCs in the group are \u20b91,000 crore or more<\/button>\n  <button data-correct=\"false\">When the group has more than 5 NBFC entities<\/button>\n  <button data-correct=\"false\">When any NBFC in the group accepts public deposits<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. What is the deadline for existing NBFCs to surrender their registration under RBI&#8217;s updated framework?<\/p>\n  <button data-correct=\"false\">31 March 2026<\/button>\n  <button data-correct=\"false\">30 June 2026<\/button>\n  <button data-correct=\"false\">30 September 2026<\/button>\n  <button data-correct=\"true\">31 December 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. Which of the following activities requires RBI approval for an unregistered Type 1 NBFC?<\/p>\n  <button data-correct=\"false\">Lending to domestic retail customers<\/button>\n  <button data-correct=\"false\">Accepting term deposits from corporates<\/button>\n  <button data-correct=\"true\">Investing freely in overseas financial sector<\/button>\n  <button data-correct=\"false\">Issuing non-convertible debentures to institutions<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. What is the primary regulatory objective behind RBI&#8217;s introduction of the NBFC exemption framework?<\/p>\n  <button data-correct=\"false\">To encourage foreign investment in Indian NBFCs<\/button>\n  <button data-correct=\"true\">To reduce compliance burden for low-risk NBFCs while focusing supervision on risk-based classification<\/button>\n  <button data-correct=\"false\">To increase revenue collection from registration fees<\/button>\n  <button data-correct=\"false\">To merge small NBFCs with scheduled commercial banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. What is the full form of GRN in the context of RBI&#8217;s FEMA guarantee reporting framework?<\/p>\n  <button data-correct=\"false\">General Regulatory Notice<\/button>\n  <button data-correct=\"true\">Guarantee Reporting Number<\/button>\n  <button data-correct=\"false\">Guarantee Registration Notification<\/button>\n  <button data-correct=\"false\">Global Reserve Note<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. Which GRN form must be submitted when the terms or amount of a foreign exchange guarantee changes?<\/p>\n  <button data-correct=\"false\">GRN Issue<\/button>\n  <button data-correct=\"true\">GRN Modification<\/button>\n  <button data-correct=\"false\">GRN Invocation<\/button>\n  <button data-correct=\"false\">GRN Cancellation<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. In the FEMA guarantee reporting structure, when is a GRN Invocation form required to be filed?<\/p>\n  <button data-correct=\"true\">When a guarantee is created<\/button>\n  <button data-correct=\"false\">When the guarantee period is extended<\/button>\n  <button data-correct=\"false\">When the borrower defaults and the guarantor is required to pay the liability<\/button>\n  <button data-correct=\"false\">When the guarantee is transferred to another party<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. What is a currency chest in the context of RBI&#8217;s currency management framework?<\/p>\n  <button data-correct=\"false\">A government treasury used for fiscal management<\/button>\n  <button data-correct=\"true\">A storehouse of currency notes and coins operated by banks on behalf of RBI<\/button>\n  <button data-correct=\"false\">An online portal for digital currency transactions<\/button>\n  <button data-correct=\"false\">A foreign exchange reserve maintained by scheduled banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. What is the minimum transaction amount applicable for currency chest transactions?<\/p>\n  <button data-correct=\"false\">\u20b910,000<\/button>\n  <button data-correct=\"false\">\u20b925,000<\/button>\n  <button data-correct=\"true\">\u20b950,000<\/button>\n  <button data-correct=\"false\">\u20b91,00,000<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. After the minimum transaction threshold for currency chest operations, subsequent transactions must be in multiples of:<\/p>\n  <button data-correct=\"false\">\u20b95,000<\/button>\n  <button data-correct=\"true\">\u20b910,000<\/button>\n  <button data-correct=\"false\">\u20b925,000<\/button>\n  <button data-correct=\"false\">\u20b950,000<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. On which portal must currency chest transactions be reported as per RBI guidelines?<\/p>\n  <button data-correct=\"false\">PRAA Portal<\/button>\n  <button data-correct=\"false\">NDSOM Portal<\/button>\n  <button data-correct=\"false\">GRN Portal<\/button>\n  <button data-correct=\"true\">CYMCC Portal<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. What is the deadline for reporting currency chest transactions on the CYMCC portal?<\/p>\n  <button data-correct=\"false\">5 PM on the same day<\/button>\n  <button data-correct=\"true\">7 PM on the same day<\/button>\n  <button data-correct=\"false\">9 PM on the same day<\/button>\n  <button data-correct=\"false\">Before midnight of the next working day<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. What is the penalty for a reporting delay or mismatch in currency chest transaction reporting?<\/p>\n  <button data-correct=\"false\">\u20b910,000 flat<\/button>\n  <button data-correct=\"false\">\u20b925,000 flat<\/button>\n  <button data-correct=\"true\">\u20b950,000 flat<\/button>\n  <button data-correct=\"false\">1% of transaction value<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. What is the daily penalty imposed if an ATM remains cash-out for more than 10 hours?<\/p>\n  <button data-correct=\"false\">\u20b95,000 per day<\/button>\n  <button data-correct=\"true\">\u20b910,000 per day<\/button>\n  <button data-correct=\"false\">\u20b925,000 per day<\/button>\n  <button data-correct=\"false\">\u20b950,000 per day<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. What penalty does a bank face if a counterfeit note is detected in its ATM?<\/p>\n  <button data-correct=\"false\">\u20b95,000<\/button>\n  <button data-correct=\"true\">\u20b910,000<\/button>\n  <button data-correct=\"false\">\u20b925,000<\/button>\n  <button data-correct=\"false\">\u20b91,00,000<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. As per RBI&#8217;s counterfeit note detection rules, which method of verification is mandatory for banknotes?<\/p>\n  <button data-correct=\"false\">Manual verification by trained tellers<\/button>\n  <button data-correct=\"true\">Machine-based verification only<\/button>\n  <button data-correct=\"false\">Dual verification \u2014 manual and machine<\/button>\n  <button data-correct=\"false\">Visual inspection followed by UV scanner<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-5\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login-5\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password-5\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><div tabindex=\"0\" role=\"button\" aria-labelledby=\"button-label\" class=\"nsm7Bb-HzV7m-LgbsSe  hJDwNd-SxQuSe i5vt6e-Ia7Qfc uaxL4e-RbRzK\"><div class=\"nsm7Bb-HzV7m-LgbsSe-MJoBVe\"><\/div><div class=\"nsm7Bb-HzV7m-LgbsSe-bN97Pc-sM5MNb \"><div class=\"nsm7Bb-HzV7m-LgbsSe-Bz112c\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\" class=\"LgbsSe-Bz112c\"><g><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"><\/path><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i-5\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? params.get(name) : defaultValue;\n}\n\nvar l_log = getUrlParam('log', 0);\n<\/script>\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\n\n\n<script>\n(() => {\n  const quizContainer = document.getElementById('quiz-2');\n  const STORAGE_KEY = 'quiz_2_state';\n  let score = 0;\n  let attempted = 0;\n  let correct = 0;\n  let wrong = 0;\n\n  const questions = quizContainer.querySelectorAll(\".question\");\n  const total = questions.length;\n\n  function loadState() {\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-2-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 13 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> RBI March Circulars Practice Quiz<\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Under the RBI 2026 circular, what is the formula for Adjusted Profit After Tax (APAT) used in dividend eligibility calculation for banks?<\/p>\n  <button data-correct=\"false\">PAT minus 25% of Gross NPA<\/button>\n  <button data-correct=\"false\">PAT minus 100% of Net NPA<\/button>\n  <button data-correct=\"true\">PAT minus 50% of Net NPA<\/button>\n  <button data-correct=\"false\">PAT minus 50% of Gross NPA<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. A bank has a CET1 ratio of 13.5%. According to the RBI 2026 dividend payout slabs, what is the maximum percentage of APAT it can distribute as dividend?<\/p>\n  <button data-correct=\"false\">30% of APAT<\/button>\n  <button data-correct=\"true\">40% of APAT<\/button>\n  <button data-correct=\"false\">50% of APAT<\/button>\n  <button data-correct=\"false\">60% of APAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Which of the following items is explicitly EXCLUDED from profit calculation for dividend declaration purposes under RBI 2026 circulars?<\/p>\n  <button data-correct=\"true\">Gains from sale of Level 3 financial instruments<\/button>\n  <button data-correct=\"false\">Interest income from advances<\/button>\n  <button data-correct=\"false\">Fee-based income from trade finance<\/button>\n  <button data-correct=\"false\">Dividend income from subsidiaries<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Under RBI 2026 NBFC prudential norms, which of the following is a condition for inclusion of quarterly profit in &#8216;owned funds&#8217;?<\/p>\n  <button data-correct=\"false\">Board resolution certified by the MD &#038; CEO<\/button>\n  <button data-correct=\"false\">RBI&#8217;s prior written approval is mandatory<\/button>\n  <button data-correct=\"false\">Only annual profits reviewed by an internal auditor can be included<\/button>\n  <button data-correct=\"true\">The quarterly financials must be reviewed or audited by the statutory auditor<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. An NBFC reports quarterly profit of \u20b9500 crore. The average dividend paid over the last 3 years is \u20b9200 crore annually. What is the adjusted quarterly profit eligible for inclusion in owned funds under RBI 2026 norms?<\/p>\n  <button data-correct=\"false\">\u20b9400 crore<\/button>\n  <button data-correct=\"false\">\u20b9450 crore<\/button>\n  <button data-correct=\"true\">\u20b9500 crore<\/button>\n  <button data-correct=\"false\">\u20b9300 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. What is the maximum dividend payout limit set by RBI 2026 norms as a percentage of Profit After Tax (PAT), irrespective of the CET1 ratio?<\/p>\n  <button data-correct=\"false\">100% of PAT<\/button>\n  <button data-correct=\"true\">75% of PAT<\/button>\n  <button data-correct=\"false\">50% of PAT<\/button>\n  <button data-correct=\"false\">60% of PAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. A Right of Use (ROU) asset arising from lease accounting under RBI 2026 circular norms \u2014 how is it treated in the calculation of &#8216;owned funds&#8217; for NBFCs?<\/p>\n  <button data-correct=\"false\">Fully deducted from owned funds as an intangible asset<\/button>\n  <button data-correct=\"false\">50% deducted from owned funds<\/button>\n  <button data-correct=\"true\">It is NOT deducted from owned funds<\/button>\n  <button data-correct=\"false\">Deducted only if the lease term exceeds 5 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Under RBI 2026 concentration risk norms for NBFCs, what document must an NBFC obtain before using newly added capital for computing exposure limits?<\/p>\n  <button data-correct=\"true\">Certificate from an external (statutory) auditor<\/button>\n  <button data-correct=\"false\">Board resolution certified by the MD &#038; CEO<\/button>\n  <button data-correct=\"false\">Certificate from the internal audit department<\/button>\n  <button data-correct=\"false\">NOC from the Department of Financial Services<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Which of the following financial institutions are covered under the uniformly applied quarterly profit inclusion norms introduced in the RBI 2026 circulars?<\/p>\n  <button data-correct=\"false\">Only scheduled commercial banks and NBFCs<\/button>\n  <button data-correct=\"false\">HFCs, CICs, ARCs, Mortgage Guarantee Companies, and Standalone Primary Dealers<\/button>\n  <button data-correct=\"false\">Only Housing Finance Companies and Core Investment Companies<\/button>\n  <button data-correct=\"true\">Only Asset Reconstruction Companies and NBFCs-D<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. A bank has PAT of \u20b910,000 crore and Net NPA of \u20b9200 crore. Calculate the APAT and the maximum dividend permissible if CET1 is 15.5%.<\/p>\n  <button data-correct=\"true\">APAT = \u20b99,900 crore; Max Dividend = \u20b94,950 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,800 crore; Max Dividend = \u20b94,900 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,900 crore; Max Dividend = \u20b95,940 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,900 crore; Max Dividend = \u20b97,425 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Under RBI 2026 norms, what is the treatment of &#8216;excess provision reversal&#8217; in the computation of APAT for dividend declaration?<\/p>\n  <button data-correct=\"true\">It is excluded and requires regulatory approval before inclusion<\/button>\n  <button data-correct=\"false\">It is fully included in PAT for dividend purposes<\/button>\n  <button data-correct=\"false\">It is included only if certified by external auditor<\/button>\n  <button data-correct=\"false\">It is treated as extraordinary income and included at 50%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. Bank ABC has a CET1 ratio of 7.5%. What is its dividend payout capacity under the RBI 2026 CET1-based dividend slabs?<\/p>\n  <button data-correct=\"false\">10% of APAT<\/button>\n  <button data-correct=\"false\">20% of APAT<\/button>\n  <button data-correct=\"true\">0% \u2014 no dividend allowed<\/button>\n  <button data-correct=\"false\">15% of APAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Which of the following best describes the purpose of introducing the &#8216;Adjusted Profit After Tax (APAT)&#8217; concept in RBI 2026 dividend norms?<\/p>\n  <button data-correct=\"false\">To increase the dividend capacity of well-performing banks<\/button>\n  <button data-correct=\"true\">To restrict dividend distribution when asset quality is weak and NPAs are high<\/button>\n  <button data-correct=\"false\">To replace PAT as the sole indicator of bank profitability<\/button>\n  <button data-correct=\"false\">To include unrealised gains from treasury operations in dividend base<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Under RBI 2026, which category of income is NOT to be included in profit calculation for dividend purposes?<\/p>\n  <button data-correct=\"false\">Interest income from government securities<\/button>\n  <button data-correct=\"false\">Commission income from LC\/BG operations<\/button>\n  <button data-correct=\"false\">Recovery from written-off accounts<\/button>\n  <button data-correct=\"true\">Unrealised gains from financial instruments<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. A Domestic Systemically Important Bank (DSIB) must maintain which of the following additional capital requirements beyond normal CET1 norms under RBI 2026 regulations?<\/p>\n  <button data-correct=\"false\">Only the Capital Conservation Buffer of 2.5%<\/button>\n  <button data-correct=\"false\">A flat minimum CET1 of 12% with no additional buffers<\/button>\n  <button data-correct=\"false\">A Countercyclical Capital Buffer of 1% only<\/button>\n  <button data-correct=\"true\">Base CET1 of 8% plus Capital Conservation Buffer of 2.5% plus an additional DSIB-specific buffer<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. Under the RBI 2026 NBFC amendment, how should current year losses be treated before adding quarterly profit to owned funds?<\/p>\n  <button data-correct=\"false\">Losses can be carried forward and adjusted over 5 years<\/button>\n  <button data-correct=\"false\">Losses must be fully deducted from owned funds immediately before profit addition<\/button>\n  <button data-correct=\"true\">Losses are adjusted only at year-end during annual audit<\/button>\n  <button data-correct=\"false\">Losses below 10% of owned funds can be ignored<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. What was the key change in the treatment of &#8216;free reserves&#8217; under the RBI 2026 NBFC capital adequacy amendment compared to the old rule?<\/p>\n  <button data-correct=\"false\">Free reserves were completely removed from owned funds<\/button>\n  <button data-correct=\"true\">Free reserves inclusion was expanded with specific conditions attached<\/button>\n  <button data-correct=\"false\">Free reserves are now treated as Tier 2 capital only<\/button>\n  <button data-correct=\"false\">Free reserves are now subject to a 50% haircut before inclusion<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. A foreign bank branch in India wishes to remit profits to its head office. Under RBI 2026 rules, which of the following conditions must be met?<\/p>\n  <button data-correct=\"true\">Accounts must be audited, profit earned from normal banking operations, and regulatory eligibility norms met<\/button>\n  <button data-correct=\"false\">RBI&#8217;s prior approval is always mandatory for any remittance<\/button>\n  <button data-correct=\"false\">Only profits up to \u20b9500 crore can be remitted without RBI approval<\/button>\n  <button data-correct=\"false\">Foreign banks must first convert profits into USD before remittance<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. What happens if a foreign bank branch remits excess profit to its head office under RBI 2026 norms?<\/p>\n  <button data-correct=\"false\">The excess is adjusted in the next year&#8217;s remittance<\/button>\n  <button data-correct=\"false\">The bank is penalised with a fine equal to the excess remitted<\/button>\n  <button data-correct=\"false\">The excess is treated as a capital contribution from the head office<\/button>\n  <button data-correct=\"true\">The excess amount must be returned immediately<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Under RBI 2026 dividend norms, which of the following regulatory conditions must a bank satisfy before declaring any dividend?<\/p>\n  <button data-correct=\"false\">Positive PAT, CET1 above 8%, no adverse auditor opinion, no RBI restrictions<\/button>\n  <button data-correct=\"false\">Board approval and Finance Ministry clearance<\/button>\n  <button data-correct=\"true\">Positive APAT, minimum CAR compliance, no adverse auditor opinion, no RBI restrictions, and future capital plan unaffected<\/button>\n  <button data-correct=\"false\">Only positive PAT and compliance with CRR\/SLR requirements<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>21. Case Study: XYZ Bank has the following financials for FY 2025-26: PAT = \u20b98,000 crore; Net NPA = \u20b9400 crore; CET1 ratio = 16.5%. The Board wants to declare maximum dividend. What is the maximum permissible dividend amount?  Given information: (i) PAT = \u20b98,000 crore (ii) Net NPA = \u20b9400 crore (iii) CET1 ratio = 16.5% (iv) CET1 slab 16%\u201317% allows 60% of APAT (v) 75% PAT cap applies<\/p>\n  <button data-correct=\"true\">\u20b94,680 crore<\/button>\n  <button data-correct=\"false\">\u20b94,800 crore<\/button>\n  <button data-correct=\"false\">\u20b96,000 crore<\/button>\n  <button data-correct=\"false\">\u20b95,040 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>22. Under RBI 2026, which of the following correctly explains why a bank&#8217;s Board must review NPA divergence before declaring dividend?<\/p>\n  <button data-correct=\"false\">CRR calculation and monetary policy transmission<\/button>\n  <button data-correct=\"true\">Understated NPAs may overstate APAT and dividend capacity<\/button>\n  <button data-correct=\"false\">SEBI listing regulations compliance<\/button>\n  <button data-correct=\"false\">Only relevant for DSIB banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>23. Which of the following is the primary objective of the RBI 2026 concentration risk management amendment requiring an external auditor certificate for capital additions in NBFCs?<\/p>\n  <button data-correct=\"false\">Allow immediate lending expansion<\/button>\n  <button data-correct=\"false\">Replace internal risk management departments<\/button>\n  <button data-correct=\"true\">Prevent misuse of newly added capital for exposure expansion without verification<\/button>\n  <button data-correct=\"false\">Bypass RBI supervision for small capital additions<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>24. Under RBI 2026 norms, which authority must receive the external auditor certificate related to concentration risk capital additions in NBFCs?<\/p>\n  <button data-correct=\"false\">Ministry of Finance, Government of India<\/button>\n  <button data-correct=\"false\">SEBI<\/button>\n  <button data-correct=\"false\">NABARD<\/button>\n  <button data-correct=\"true\">RBI&#8217;s Department of Supervision<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>25. Under RBI 2026 dividend norms, unrealised gains from which category of financial instruments are explicitly excluded from dividend calculation?<\/p>\n  <button data-correct=\"true\">Level 3 instruments (unobservable, model-based valuation)<\/button>\n  <button data-correct=\"false\">Level 1 instruments (exchange-traded, market-priced)<\/button>\n  <button data-correct=\"false\">Level 2 instruments (observable market inputs)<\/button>\n  <button data-correct=\"false\">All categories of financial instruments<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div 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These circulars explain key changes in areas such as capital adequacy norms, profit calculation methods, dividend distribution rules, and risk management frameworks. They help ensure that financial institutions follow updated rules and maintain stability in the banking system.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They are directly linked to regulatory frameworks like Basel norms and capital adequacy ratios<\/li>\n\n\n\n<li>Questions are frequently asked in <a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-notification\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B<\/a> and other banking exams<\/li>\n\n\n\n<li>They test conceptual clarity on financial stability mechanisms<\/li>\n\n\n\n<li>They connect theory with real-time banking regulations<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt RBI Grade B Mock Test<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Key focus areas of RBI Circulars 2026<\/h3>\n\n\n\n<p>The RBI Circulars 2026 aim to improve India\u2019s banking system through updated guidelines, stronger risk management, and better digital banking services. These updates focus on financial stability, regulatory compliance, customer protection, and the safe use of new financial technologies, in line with global banking standards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Area<\/strong><\/td><td><strong>Focus of RBI 2026 Updates<\/strong><\/td><\/tr><tr><td>Capital Adequacy<\/td><td>Inclusion of quarterly profit in owned funds<\/td><\/tr><tr><td>Risk Management<\/td><td>External auditor certification for capital additions<\/td><\/tr><tr><td>Dividend Policy<\/td><td>CET1-based dividend payout limits<\/td><\/tr><tr><td>Profit Calculation<\/td><td>Adjusted Profit After Tax (APAT) introduction<\/td><\/tr><tr><td>Financial Reporting<\/td><td>Strict reporting timelines and exclusions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/youtube.com\/playlist?list=PLmKwZ83G-3jWQCntDMzCURS12BkggTdk5&amp;si=MpzqtGDRpB6cJOI-\" target=\"_blank\" rel=\"noreferrer noopener\">Know more about RBI Circulars 2026<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-rbi-circulars-covered-in-august-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_RBI_Circulars_covered_in_August_2026\"><\/span>What are the RBI Circulars covered in August 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The August 2026 RBI Circulars discussed in the session mainly focus on banking regulations and procedural updates. Important areas include responsible business conduct and recovery agencies, restrictions on financed devices, Priority Sector Lending calculations, FCNR and NRE deposits, CRR and SLR exemptions, lead bank responsibility for new districts, NBFC concentration risk management, and interest rate rules for deposits. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Responsible Business Conduct<\/li>\n\n\n\n<li>Loan recovery and engagement of recovery agencies<\/li>\n\n\n\n<li>Technology-based restrictions on financed devices<\/li>\n\n\n\n<li>Priority Sector Lending (PSL)<\/li>\n\n\n\n<li>FCNR and NRE deposits<\/li>\n\n\n\n<li>CRR and SLR exemptions<\/li>\n\n\n\n<li>Lead Bank Responsibility<\/li>\n\n\n\n<li>NBFC Concentration Risk Management<\/li>\n\n\n\n<li>Interest Rate on Deposits<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/free-quizzes-for-regulatory-exams\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free Quiz for Regulatory Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_RBI_Circulars_covered_in_July_2026\"><\/span>What are the RBI Circulars covered in July 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The July 2026 RBI Circulars discussed in the session cover important regulatory and banking concepts. These include governance directions for banks, financing of independent units of large infrastructure projects, resolution of stressed assets, treatment of Specified Non-Financial Assets, Special Rupee Vostro Accounts, and the Financial Inclusion Index for March 2026. These topics are useful for RBI Grade B preparation, especially for the General Awareness and Finance sections. Candidates should understand both the concepts and important figures, dates, limits, and conditions related to these updates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-important-rbi-circulars-released-in-june-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_important_RBI_Circulars_released_in_June_2026\"><\/span>What are the important RBI Circulars released in June 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Circulars released in June 2026 introduced several important updates related to banking regulations, foreign exchange, lending norms, payment systems, customer protection, and financial markets. <\/p>\n\n\n\n<p>These circulars include changes in REIT and InvIT lending guidelines, the FCNR(B) swap facility, Foreign Portfolio Investment (FPI) regulations, FEMA provisions, UPI cross-border payments, Responsible Business Conduct guidelines, and other key regulatory updates that are important for banking and financial sector exams.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>RBI Circular<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Bank lending to REITs and InvITs<\/td><td>Lending conditions, eligibility, exposure norms, refinancing, leverage limits<\/td><\/tr><tr><td>Concentration Risk Management<\/td><td>Internal exposure limits and 10% prudential ceiling for commercial banks<\/td><\/tr><tr><td>Risk Weight Guidelines<\/td><td>Risk weights of 100%, 125%, and 150% for different REIT exposures<\/td><\/tr><tr><td>India-Cambodia UPI Connectivity<\/td><td>Cross-border QR code merchant payments<\/td><\/tr><tr><td>FPI Investment in Government Securities<\/td><td>Removal of sub-limits under the General Route<\/td><\/tr><tr><td>Sahamati Foundation<\/td><td>Recognition as Self-Regulatory Organization (SRO) for the Account Aggregator ecosystem<\/td><\/tr><tr><td>FCNR(B) Swap Facility<\/td><td>USD-INR swap facility and CRR\/SLR exemption<\/td><\/tr><tr><td>FEMA Liberalisation<\/td><td>Wider participation of foreign investors in listed Indian companies<\/td><\/tr><tr><td>Responsible Business Conduct<\/td><td>Customer protection, dark patterns, mis-selling, bundling, digital marketing practices<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-important-rbi-circular-topics-covered-in-may-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_important_RBI_circular_topics_covered_in_May_2026\"><\/span>What are the important RBI circular topics covered in May 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>May 2026 included several major RBI regulatory updates related to FEMA reforms, authorised persons framework, capital adequacy norms, fintech compliance, and investment reserve changes. These topics are highly relevant from the examination perspective.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Focus Area<\/strong><\/td><\/tr><tr><td><strong>FEMA Authorised Persons Regulations 2026<\/strong><\/td><td>PRAVAA portal usage, licensing, renewal norms, fit &amp; proper criteria<\/td><\/tr><tr><td><strong>AD Category Framework Updates<\/strong><\/td><td>AD Category I &amp; II eligibility norms, net worth requirements, transaction limits<\/td><\/tr><tr><td><strong>FFMC Guidelines Revision<\/strong><\/td><td>Net worth requirements, branch expansion rules, operational limits<\/td><\/tr><tr><td><strong>Outward Remittance Framework (Fintech Model)<\/strong><\/td><td>Non-bank entities tie-up with AD banks, compliance responsibility structure<\/td><\/tr><tr><td><strong>Fit &amp; Proper Criteria Updates<\/strong><\/td><td>Minimum 50% directors\/KMP with financial sector experience<\/td><\/tr><tr><td><strong>Capital Adequacy Ratio (CAR) Clarifications<\/strong><\/td><td>Risk-weighted assets concept, Tier 1 vs Tier 2 capital structure<\/td><\/tr><tr><td><strong>Tier 1 Capital Revisions<\/strong><\/td><td>Inclusion of quarterly profits and dividend adjustment rules<\/td><\/tr><tr><td><strong>Investment Fluctuation Reserve (IFR) Removal<\/strong><\/td><td>Elimination for banks due to revised capital charge framework<\/td><\/tr><tr><td><strong>IFR Treatment Guidelines<\/strong><\/td><td>Transfer of IFR to reserves\/P&amp;L; treatment for foreign bank branches<\/td><\/tr><tr><td><strong>Small Finance Banks (SFB) IFR Norms<\/strong><\/td><td>2% IFR requirement on AFS + FVTPL portfolio<\/td><\/tr><tr><td><strong>Digital Banking &amp; Fintech Compliance<\/strong><\/td><td>Accountability of AD banks in fintech processing and outsourcing risks<\/td><\/tr><tr><td><strong>Ownership Change Regulations<\/strong><\/td><td>RBI approval required for ownership change beyond 50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"xQgGrwMReZU\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-important-rbi-circular-topics-covered-in-april-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_important_RBI_circular_topics_covered_in_April_2026\"><\/span>What are the important RBI circular topics covered in April 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>April 2026 included several major updates related to NBFC regulation, counterfeit notes, currency chest management, savings bonds, FEMA reporting, and banking operations. These topics are highly relevant from the examination perspective.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Focus Area<\/strong><\/td><\/tr><tr><td>NBFC Registration Exemption Framework<\/td><td>Unregistered Type 1 NBFC<\/td><\/tr><tr><td>Scale Based Regulation<\/td><td>Low-risk NBFC compliance<\/td><\/tr><tr><td>Public Funds Concept<\/td><td>Direct and indirect public funding<\/td><\/tr><tr><td>Currency Chest Guidelines<\/td><td>Incentives and penalties<\/td><\/tr><tr><td>Clean Note Policy<\/td><td>Quality currency circulation<\/td><\/tr><tr><td>Counterfeit Note Detection<\/td><td>Machine-based authentication<\/td><\/tr><tr><td>FEMA Guarantee Reporting<\/td><td>GRN Forms<\/td><\/tr><tr><td>Floating Rate Savings Bonds 2020<\/td><td>Interest reset mechanism<\/td><\/tr><tr><td>NDS-OM Access Criteria<\/td><td>PRAVAA Portal<\/td><\/tr><tr><td>AgriSURE Fund<\/td><td>Rural and agri startup support<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-topics-are-covered-in-rbi-circulars-march-2026\"><span class=\"ez-toc-section\" id=\"What_topics_are_covered_in_RBI_Circulars_March_2026\"><\/span>What topics are covered in RBI Circulars March 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The March 2026 RBI circulars include a mix of capital market regulation, banking exposure rules, and financial market infrastructure updates. These circulars are important because they define how banks and financial institutions interact with markets in a controlled and risk-managed environment. Most importantly, these updates regulate how banks invest, lend, and participate in capital markets, ensuring systemic stability and transparency in the financial system. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Concept<\/strong><\/td><\/tr><tr><td>Capital Market Exposure<\/td><td>40% total limit of eligible capital base<\/td><\/tr><tr><td>Direct Exposure<\/td><td>Maximum 20% of capital base<\/td><\/tr><tr><td>Acquisition Finance<\/td><td>20% within overall exposure<\/td><\/tr><tr><td>LEI (Legal Entity Identifier)<\/td><td>20-character global entity code<\/td><\/tr><tr><td>UTI (Unique Transaction Identifier)<\/td><td>Tracks OTC derivative transactions<\/td><\/tr><tr><td>Collateral norms<\/td><td>50% requirement with 25% cash<\/td><\/tr><tr><td>Haircut on equity<\/td><td>40% reduction in collateral value<\/td><\/tr><tr><td>Central Counterparty (CCP)<\/td><td>Intermediary in financial transactions<\/td><\/tr><tr><td>Electronic Trading Platform (ETP)<\/td><td>Digital trading system<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-did-rbi-change-for-lending-to-reits-and-invits\"><span class=\"ez-toc-section\" id=\"What_did_RBI_change_for_lending_to_REITs_and_InvITs\"><\/span>What did RBI change for lending to REITs and InvITs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI introduced new guidelines allowing banks to provide loans to Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs) while maintaining proper risk management. These directions become applicable from 1 April 2027 and focus on safe lending practices.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lending is allowed only to SEBI-registered and regulated REITs and InvITs.<\/li>\n\n\n\n<li>Banks must have a Board-approved lending policy.<\/li>\n\n\n\n<li>Legal due diligence is mandatory.<\/li>\n\n\n\n<li>End-use monitoring of funds is compulsory.<\/li>\n\n\n\n<li>Debt Service Coverage Ratio (DSCR) should be assessed.<\/li>\n\n\n\n<li>Lending to stressed SPVs is restricted.<\/li>\n\n\n\n<li>Refinancing is allowed only for completed projects.<\/li>\n\n\n\n<li>Bullet and balloon repayment structures are not permitted.<\/li>\n\n\n\n<li>Aggregate bank exposure cannot exceed 49% of REIT asset value.<\/li>\n\n\n\n<li>Loans should remain fully secured.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-important-eligibility-conditions-for-reits-and-invits\"><span class=\"ez-toc-section\" id=\"What_are_the_important_eligibility_conditions_for_REITs_and_InvITs\"><\/span>What are the important eligibility conditions for REITs and InvITs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI has prescribed minimum eligibility requirements before banks can extend credit facilities. These conditions ensure that lending is made only to financially stable investment trusts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be listed.<\/li>\n\n\n\n<li>Must be regulated by SEBI.<\/li>\n\n\n\n<li>At least 80% of assets should be income-generating.<\/li>\n\n\n\n<li>Assets should have generated positive operational cash flow for at least one year.<\/li>\n\n\n\n<li>Overall leverage should remain within SEBI limits or bank-approved limits, whichever is lower.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-fema-authorized-person-regulation-2026\"><span class=\"ez-toc-section\" id=\"What_is_FEMA_authorized_person_regulation_2026\"><\/span>What is FEMA authorized person regulation 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The FEMA Authorized Person Regulation defines who is allowed to deal in foreign exchange in India. Only entities approved by the Reserve Bank of India can buy or sell foreign currency or foreign securities. Without RBI approval, no individual or business can legally deal in foreign exchange. For example, students going abroad must purchase USD only through authorized money changers. Even existing authorized persons must renew their approval after expiry through the PRAVAA portal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Authorized persons are regulated under RBI permission<\/li>\n\n\n\n<li>Deal in foreign exchange and foreign securities<\/li>\n\n\n\n<li>Renewal required after expiry via PRAVAA portal<\/li>\n\n\n\n<li>Unauthorized forex dealing is strictly prohibited<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-categories-of-authorized-dealers-ad\"><span class=\"ez-toc-section\" id=\"What_are_the_Categories_of_Authorized_Dealers_AD\"><\/span>What are the Categories of Authorized Dealers (AD)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Authorized Dealers are classified into three categories based on their size, financial strength, and RBI approval conditions. Each category has different operational limits and eligibility criteria.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Eligible Entities<\/strong><\/td><td><strong>Key Features<\/strong><\/td><\/tr><tr><td>AD Category 1<\/td><td>RBI licensed banks<\/td><td>Full forex operations, both current and capital account<\/td><\/tr><tr><td>AD Category 2<\/td><td>Banks, NBFCs, FFMCs<\/td><td>Limited forex transactions with conditions<\/td><\/tr><tr><td>AD Category 3<\/td><td>Fintech &amp; other entities<\/td><td>Restricted activities as per RBI approval<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AD Category 1 has highest authority<\/li>\n\n\n\n<li>AD Category 2 has transaction limits<\/li>\n\n\n\n<li>AD Category 3 works under strict RBI conditions<\/li>\n\n\n\n<li>FFMCs must meet turnover and net worth norms<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_key_NBFC_prudential_norms_changes_in_RBI_Circular_2026\"><\/span>What are the key NBFC prudential norms changes in RBI Circular 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI 2026 circular, brings important changes in the NBFC Prudential Norms on Capital Adequacy. It mainly focuses on redefining \u201cowned funds\u201d and improving capital transparency. A key update is the inclusion of quarterly profits in owned funds, subject to certain conditions. This helps NBFCs show a more accurate capital position while maintaining financial discipline.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Component<\/td><td>Old Rule<\/td><td>RBI 2026 Update<\/td><\/tr><tr><td>Owned Funds<\/td><td>Annual profit considered<\/td><td>Quarterly profit included<\/td><\/tr><tr><td>Free Reserves<\/td><td>Limited inclusion<\/td><td>Expanded inclusion with conditions<\/td><\/tr><tr><td>Loss Adjustment<\/td><td>Deducted annually<\/td><td>Deducted immediately from owned funds<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Not structured<\/td><td>3-year average dividend rule introduced<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_quarterly_profit_included_in_owned_funds_under_RBI_2026_rules\"><\/span>How is quarterly profit included in owned funds under RBI 2026 rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most important changes in the RBI 2026 circular is the inclusion of quarterly profits in owned funds. This applies to NBFCs, HFCs, CICs, and similar regulated entities. However, this inclusion is not automatic. RBI has introduced strict conditions to ensure accuracy and financial discipline.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Condition<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Statutory Audit \/ Limited Review<\/td><td>Quarterly financials must be reviewed or audited by statutory auditor<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Average dividend of last 3 years must be adjusted<\/td><\/tr><tr><td>Quarterly Proportion<\/td><td>Dividend adjusted on quarterly basis (0.25 factor applied)<\/td><\/tr><tr><td>Loss Deduction<\/td><td>Current year losses must be fully deducted first<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Formula concept (simplified)<\/h3>\n\n\n\n<p>Adjusted Quarterly Profit = Quarterly Profit<br>\u2212 (0.25 \u00d7 Average Dividend of Last 3 Years)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Important explanation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The factor 0.25 is used because profit is quarterly (1\/4 of a year)<\/li>\n\n\n\n<li>Dividend history ensures realistic profit reporting<\/li>\n\n\n\n<li>Audit requirement ensures authenticity of numbers<\/li>\n\n\n\n<li>Losses are deducted first to avoid overstatement<\/li>\n<\/ul>\n\n\n\n<p>This rule ensures that institutions do not artificially inflate their capital position using unverified profits.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-fm-practice-quiz\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B FM Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_concentration_risk_management_amendment_in_NBFC_rules\"><\/span>What is concentration risk management amendment in NBFC rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI 2026 circular also introduces changes in concentration risk management for NBFCs. This update ensures that capital expansion is properly verified before being used for exposure calculations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>External Audit Requirement<\/td><td>NBFCs must obtain an external auditor certificate for any capital additions before using it for regulatory purposes<\/td><\/tr><tr><td>Use of New Capital<\/td><td>Newly added capital cannot be immediately used for increasing exposure limits without verification<\/td><\/tr><tr><td>Submission Requirement<\/td><td>The auditor certificate must be submitted to the Reserve Bank of India\u2019s Department of Supervision<\/td><\/tr><tr><td>Objective<\/td><td>To prevent misuse of capital, ensure accurate exposure limits, and strengthen risk monitoring<\/td><\/tr><tr><td>Impact on Capital Increase<\/td><td>Capital additions require independent verification before regulatory recognition<\/td><\/tr><tr><td>Impact on Exposure Limits<\/td><td>Delayed usage of new capital for calculating or expanding exposure limits<\/td><\/tr><tr><td>Impact on Risk Control<\/td><td>Strengthens supervisory oversight and improves concentration risk management framework<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_HFC_CIC_ARC_and_other_entities_align_with_NBFC_capital_adequacy_changes\"><\/span>How do HFC, CIC, ARC and other entities align with NBFC capital adequacy changes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI has ensured uniformity across different financial institutions such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Housing Finance Companies (HFCs)<\/li>\n\n\n\n<li>Core Investment Companies (CICs)<\/li>\n\n\n\n<li>Asset Reconstruction Companies (ARC)<\/li>\n\n\n\n<li>Mortgage Guarantee Companies<\/li>\n\n\n\n<li>Standalone Primary Dealers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Common changes across all institutions<\/h3>\n\n\n\n<p>These changes apply uniformly across regulated entities to ensure consistency in capital computation, profit recognition, and financial reporting standards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rule<\/strong><\/td><td><strong>Application<\/strong><\/td><\/tr><tr><td>Quarterly Profit Inclusion<\/td><td>Allowed with same conditions as NBFC<\/td><\/tr><tr><td>Loss Deduction<\/td><td>Mandatory before adding profit<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Required using 3-year average<\/td><\/tr><tr><td>Statutory Audit<\/td><td>Mandatory for validation<\/td><\/tr><tr><td>Right of Use Asset<\/td><td>Not deducted from owned funds<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-esi-practice-quiz\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B ESI Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Special highlight: Right of Use (ROU) asset<\/h3>\n\n\n\n<p>The Right of Use (ROU) asset treatment has been specifically clarified under the 2026 circular to ensure uniform accounting interpretation across institutions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ROU asset arises from lease accounting framework<\/li>\n\n\n\n<li>It is not deducted from owned funds while calculating capital<\/li>\n\n\n\n<li>Although intangible in nature, it is linked to underlying leased tangible assets<\/li>\n\n\n\n<li>This clarification removes ambiguity in capital adequacy computations in 2026 regulatory norms<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_RBI_2026_dividend_declaration_norms_for_banks\"><\/span>What are RBI 2026 dividend declaration norms for banks?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most important sections of RBI Circular 2026 is related to dividend declaration norms for banks. These rules ensure that banks do not distribute excessive profits and maintain strong capital buffers.<\/p>\n\n\n\n<p>Banks must calculate dividend eligibility based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Profit After Tax (PAT)<\/li>\n\n\n\n<li>Adjusted Profit After Tax (APAT)<\/li>\n\n\n\n<li>CET1 capital ratio<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Key concept: Adjusted Profit After Tax (APAT)<\/h3>\n\n\n\n<p>Adjusted PAT = Profit After Tax \u2212 (50% of Net NPA)<\/p>\n\n\n\n<p>This ensures that dividend distribution is restricted when asset quality is weak.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-2024-air-1-handwritten-notes\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Download RBI Grade B 2024 AIR 1 Handwritten Notes<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_Adjusted_Profit_After_Tax_calculated_under_RBI_rules\"><\/span>How is Adjusted Profit After Tax calculated under RBI rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Adjusted PAT is a critical concept introduced for dividend control.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Step<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Step 1<\/td><td>Calculate Profit After Tax (PAT)<\/td><\/tr><tr><td>Step 2<\/td><td>Identify Net NPA<\/td><\/tr><tr><td>Step 3<\/td><td>Take 50% of Net NPA<\/td><\/tr><tr><td>Step 4<\/td><td>Deduct from PAT<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAT = \u20b910,000 crore<\/li>\n\n\n\n<li>Net NPA = \u20b9200 crore<\/li>\n\n\n\n<li>50% of NPA = \u20b9100 crore<\/li>\n<\/ul>\n\n\n\n<p>Adjusted PAT = 10,000 \u2212 100 = \u20b99,900 crore<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Purpose of APAT<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prevent dividend distribution during weak asset quality<\/li>\n\n\n\n<li>Ensure prudential financial management<\/li>\n\n\n\n<li>Protect depositor and system stability<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_eligibility_conditions_for_dividend_declaration\"><\/span>What are eligibility conditions for dividend declaration?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks must satisfy strict eligibility conditions before declaring dividends.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Condition<\/strong><\/td><td><strong>Requirement<\/strong><\/td><\/tr><tr><td>Capital Adequacy<\/td><td>Must meet minimum CAR norms<\/td><\/tr><tr><td>Adjusted Profit<\/td><td>Must be positive APAT<\/td><\/tr><tr><td>Regulatory Compliance<\/td><td>No restrictions from RBI<\/td><\/tr><tr><td>Auditor Opinion<\/td><td>No adverse or highly qualified report<\/td><\/tr><tr><td>Future Capital Plan<\/td><td>Should not affect expansion plans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-previous-year-papers\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Also Attempt RBI Grade b Previous year papers<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_CET1_ratio_determine_dividend_payout_under_RBI_2026_norms\"><\/span>How does CET1 ratio determine dividend payout under RBI 2026 norms?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>CET1 (Common Equity Tier 1) capital plays a major role in determining dividend payout capacity.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>CET1 Ratio<\/strong><\/td><td><strong>Dividend Allowed<\/strong><\/td><\/tr><tr><td>Up to 8%<\/td><td>0%<\/td><\/tr><tr><td>8% \u2013 10%<\/td><td>20% of APAT<\/td><\/tr><tr><td>10% \u2013 12%<\/td><td>30% of APAT<\/td><\/tr><tr><td>12% \u2013 14%<\/td><td>40% of APAT<\/td><\/tr><tr><td>14% \u2013 16%<\/td><td>50% of APAT<\/td><\/tr><tr><td>16% \u2013 17%<\/td><td>60% of APAT<\/td><\/tr><tr><td>17% \u2013 18%<\/td><td>70% of APAT<\/td><\/tr><tr><td>Above 20%<\/td><td>100% of APAT<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpretation<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher CET1 = higher dividend capacity<\/li>\n\n\n\n<li>Lower CET1 = restricted payout<\/li>\n\n\n\n<li>Ensures capital safety first approach<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_75_PAT_rule_and_DSIB_buffer_requirement\"><\/span>What is the 75% PAT rule and DSIB buffer requirement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apart from CET1-based limits, RBI has also introduced an overall cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">75% PAT rule<\/h3>\n\n\n\n<p>The 75% PAT rule limits dividend distribution by banks to ensure adequate capital retention and financial stability under regulatory norms.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividend cap: Total dividend cannot exceed 75% of Profit After Tax (PAT) ensuring controlled payout policy<\/li>\n\n\n\n<li>Mandatory limit: Even if Capital to Risk-weighted Assets Ratio (CET1\/CRAR) permits higher payout, this 75% cap remains compulsory<\/li>\n\n\n\n<li>Objective: Ensures banks retain sufficient internal capital for growth, risk absorption, and compliance with prudential norms issued by the Reserve Bank of India<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">DSIB (Domestic Systemically Important Banks) buffer<\/h3>\n\n\n\n<p>DSIB banks are systemically important institutions that require higher capital buffers to reduce systemic risk and maintain financial stability.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Base CET1 requirement: Minimum 8% Common Equity Tier 1 capital to ensure strong core capital base<\/li>\n\n\n\n<li>Capital Conservation Buffer: Additional 2.5% buffer to absorb financial stress and maintain stability during downturns<\/li>\n\n\n\n<li>Additional DSIB buffer: Extra capital requirement prescribed by the Reserve Bank of India based on systemic importance<\/li>\n\n\n\n<li>Total requirement: Overall capital adequacy is higher than normal banks due to systemic risk exposure and importance<\/li>\n\n\n\n<li>Objective: Strengthens financial system stability and enhances loss-absorbing capacity of large banks<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Key takeaway<\/h3>\n\n\n\n<p>DSIB banks operate under stricter capital and dividend norms to ensure stronger financial resilience and reduce systemic risk in the banking system.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher capital requirement ensures stronger financial resilience and stability<\/li>\n\n\n\n<li>Dividend payout is strictly regulated to preserve capital buffers<\/li>\n\n\n\n<li>Systemic importance leads to enhanced supervision and tighter regulatory control by the Reserve Bank of India<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/youtube.com\/playlist?list=PLmKwZ83G-3jXaZJRznHdwW3cWqLXusQLN&amp;si=ynWFXPrGHH1ZIyM7&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt Free Daily RBI Grade B Quiz Challenge<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_items_are_excluded_from_dividend_calculation_under_RBI_2026_rules\"><\/span>What items are excluded from dividend calculation under RBI 2026 rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI clearly excludes certain items from dividend computation to ensure realistic profit distribution.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Item<\/strong><\/td><td><strong>Reason<\/strong><\/td><\/tr><tr><td>Exceptional Income<\/td><td>Non-recurring in nature<\/td><\/tr><tr><td>Sale of Assets<\/td><td>One-time gain<\/td><\/tr><tr><td>Level 3 Financial Instruments<\/td><td>Illiquid valuation gains<\/td><\/tr><tr><td>Unrealised Gains<\/td><td>Not actual cash profit<\/td><\/tr><tr><td>Excess Provision Reversal<\/td><td>Requires regulatory approval<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_remittance_of_profit_rules_for_foreign_banks_in_India\"><\/span>What are remittance of profit rules for foreign banks in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Foreign banks operating in India through branches are allowed to remit profits to their head offices, subject to conditions.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Aspect<\/td><td>Details<\/td><\/tr><tr><td>Account Requirement<\/td><td>Accounts must be properly audited before remittance<\/td><\/tr><tr><td>Source of Profit<\/td><td>Profit must arise from normal banking operations only<\/td><\/tr><tr><td>Regulatory Eligibility<\/td><td>Institution must meet all applicable regulatory eligibility norms<\/td><\/tr><tr><td>RBI Approval<\/td><td>Not required if all prescribed conditions are satisfied<\/td><\/tr><tr><td>Excess Remittance<\/td><td>Any excess amount remitted must be returned immediately<\/td><\/tr><tr><td>Reporting Requirement<\/td><td>Mandatory reporting\/submission to the Reserve Bank of India<\/td><\/tr><tr><td>Regulatory Treatment<\/td><td>Remittance is treated similarly to dividend distribution under regulatory norms<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Latest_Circulars\"><\/span>RBI Latest Circulars<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Below is the list of RBI Latest Circulars that has been released in 2026 till now, check it out.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>RBI Circulars Release Date<\/strong><\/td><td><strong>RBI Latest Circulars<\/strong><\/td><td><strong>RBI Circulars PDFs<\/strong><\/td><\/tr><tr><td>March 10, 2026<\/td><td><br>Reserve Bank of India (Local Area Banks \u2013 Prudential Norms on Declaration of Dividends)<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-Circulars-PDF.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 23,2025<\/td><td>Implementation of Section 51A of UAPA,1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-Circular-PDF.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 14, 2025<\/td><td><br>Reserve Bank of India (Trade Relief Measures) Directions, 2025<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-(Trade%20Relief%20Measures)-Directions-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 9, 2025<\/td><td><br>Implementation of Section 51A of UAPA,1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Implementation-of-Section-51A-of-UAPA-1967.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>August 25, 2025<\/td><td>Implementation of Section 51A of UAPA, 1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Section-51A-of-UAPA-1967.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 24, 2025<\/td><td>Foreign Exchange Management Regulations, 2025<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Foreign-Exchange-Management-Regulations.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 6, 2025<\/td><td>Standing Liquidity Facility for Primary Dealers<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Standing-Liquidity-Facility-for-Primary-Dealers.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 1, 2025<\/td><td>Withdrawal of \u20b92000 Denomination Banknotes<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/withdrawal-of-2000-rupees-notes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>May 23, 2025<\/td><td>Issuance of Partly Paid Units by Investment<br>Vehicles<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Issuance-of-Partly-Paid-Units-by-Investment.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>April 01, 2025<\/td><td>Exposure Norms and Statutory \/ Other Restrictions<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Exposure-Norms-and-Statutory.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>April 01, 2025<\/td><td>Facility for Exchange of Notes and Coins<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Facility-for-Exchange-of-Notes-and-Coins.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>March 17, 2025<\/td><td>Asian Clearing Union (ACU) Mechanism<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Asian-Clearing-Union-Mechanism.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>February 07, 2025<\/td><td>Standing Liquidity Facility for Primary Dealers<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Standing-Liquidity-Facility-for-Primary-dealers7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>January 20, 2025<\/td><td>Guidelines on Settlement of Dues of borrowers by ARCs<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Settlement-of-Dues.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1716908997586\"><strong class=\"schema-faq-question\">Q1. How important are RBI Circulars 2026 for RBI Grade B exam preparation?<\/strong> <p class=\"schema-faq-answer\">RBI Circulars 2025-26 are crucial for RBI Grade B exam preparation as they contain the latest regulatory guidelines, policies, and updates in the banking and financial sector, which are frequently asked in the exam&#8217;s current affairs and economic and social issues sections.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1716909075645\"><strong class=\"schema-faq-question\">Q2. Where can I find all the RBI Circulars 2026?<\/strong> <p class=\"schema-faq-answer\">You can find all the latest RBI Circulars 2026 on the official website of RBI under Notifications section.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1716909121789\"><strong class=\"schema-faq-question\">Q3. I don&#8217;t understand RBI Circular after reading it, how do I prepare for exam from it?<\/strong> <p class=\"schema-faq-answer\">We have got it covered for free. On our Oliveboard Regulatory Youtube Channel, our faculty Lakshmi Mam comes up with these sessions on a regular basis for free.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/upsc-epfo-rbi-sebi-comparison\/\">UPSC EPFO EO vs SEBI Gr. A vs RBI Gr. B &#8211; Which One To Choose?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/nabard-grade-a-topic-wise-weightage\/\">NABARD Grade A Topic Wise Weightage, Most Repeated Topics<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/pfrda-act-2013-and-amendments\/\">PFRDA Act 2013 for PFRDA Grade A 2026 Complete Study Guide<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-august-notification\/\">Attempt RBI Notification August 2026 Practice Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-bulletin\/\">RBI Bulletin 2026, Attempt Quiz and Download RBI Bulletin PDFs<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\">RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The RBI Circulars issued in 2026 bring important regulatory updates for banks, NBFCs, HFCs, CICs, and other financial institutions. These<\/p>\n","protected":false},"author":50,"featured_media":237580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10226,320,10247],"tags":[],"class_list":["post-179062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbi","category-rbi-grade-b","category-rbi-sebi-nabard","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Circulars 2026, Download RBI Circulars 2026 PDFs<\/title>\n<meta name=\"description\" content=\"RBI Circulars 2025-26 are one of the most important resources for the preparation of RBI Grade B Exam. Check RBI Circulars &amp; RBI Latest News\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs\" \/>\n<meta property=\"og:description\" content=\"The RBI Circulars issued in 2026 bring important regulatory updates for banks, NBFCs, HFCs, CICs, and other financial institutions. These updates are\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-16T10:49:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-16T10:49:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Saloni Singhal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Saloni Singhal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"42 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\"},\"author\":{\"name\":\"Saloni Singhal\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/6aedd7baaab0f33dc2f40834a257f88c\"},\"headline\":\"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs\",\"datePublished\":\"2026-09-16T10:49:17+00:00\",\"dateModified\":\"2026-09-16T10:49:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\"},\"wordCount\":8614,\"publisher\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\",\"articleSection\":[\"RBI\",\"RBI Grade B\",\"Regulatory Exams\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\",\"name\":\"RBI Circulars 2026, Download RBI Circulars 2026 PDFs\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\",\"datePublished\":\"2026-09-16T10:49:17+00:00\",\"dateModified\":\"2026-09-16T10:49:19+00:00\",\"description\":\"RBI Circulars 2025-26 are one of the most important resources for the preparation of RBI Grade B Exam. 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I'm a dedicated Government Job aspirant turned passionate writer &amp; content marketer. My blogs are a one-stop destination for accurate and comprehensive information on exam categories like Regulatory Bodies, Banking, SSC, State PSCs, and more. I am on a mission to provide you with all the details you need, conveniently in one place. When I am not writing and marketing, you will find me happily experimenting in the kitchen, cooking up delightful treats. Join me on this journey of knowledge and flavors!\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586\",\"position\":1,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586\",\"name\":\"Q1. 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I'm a dedicated Government Job aspirant turned passionate writer &amp; content marketer. My blogs are a one-stop destination for accurate and comprehensive information on exam categories like Regulatory Bodies, Banking, SSC, State PSCs, and more. I am on a mission to provide you with all the details you need, conveniently in one place. When I am not writing and marketing, you will find me happily experimenting in the kitchen, cooking up delightful treats. Join me on this journey of knowledge and flavors!"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586","position":1,"url":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586","name":"Q1. How important are RBI Circulars 2026 for RBI Grade B exam preparation?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"RBI Circulars 2025-26 are crucial for RBI Grade B exam preparation as they contain the latest regulatory guidelines, policies, and updates in the banking and financial sector, which are frequently asked in the exam's current affairs and economic and social issues sections.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716909075645","position":2,"url":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716909075645","name":"Q2. 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