{"id":244916,"date":"2026-05-29T21:13:32","date_gmt":"2026-05-29T15:43:32","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=244916"},"modified":"2026-05-29T21:13:34","modified_gmt":"2026-05-29T15:43:34","slug":"rbi-february-circulars","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/","title":{"rendered":"Attempt RBI Circulars February 2026 Practice Quiz &amp; Download PDF"},"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 class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#Download_RBI_Circulars_February_2026_Practice_Quiz_PDF\" >Download RBI Circulars February 2026 Practice Quiz PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#Attempt_the_RBI_Circulars_February_2026_Quiz\" >Attempt the RBI Circulars February 2026 Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_are_the_key_updates_in_FPI_and_VRR_framework\" >What are the key updates in FPI and VRR framework?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_are_MSME_collateral-free_lending_rule_changes\" >What are MSME collateral-free lending rule changes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_is_IRAC_framework_in_cooperative_banking_norms\" >What is IRAC framework in cooperative banking norms?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#How_are_NPAs_classified_under_RBI_norms\" >How are NPAs classified under RBI norms?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_is_Default_Loss_Guarantee_DLG_in_lending_framework\" >What is Default Loss Guarantee (DLG) in lending framework?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_does_BSR_data_reveal_about_credit_and_deposits\" >What does BSR data reveal about credit and deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_is_Digital_Payment_Index_DPI_and_its_latest_trend\" >What is Digital Payment Index (DPI) and its latest trend?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_is_Deposit_Insurance_and_risk-based_premium_system\" >What is Deposit Insurance and risk-based premium system?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#What_are_other_important_RBI_February_2026_updates\" >What are other important RBI February 2026 updates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Keeping up with RBI circulars is a smart strategy for scoring well in banking and regulatory exams. The February 2026 RBI updates are especially important because they directly impact credit policy, MSME lending, FPI investment rules, digital payments, risk management, and banking supervision frameworks. These circulars are frequently used to frame MCQs in exams like RBI Grade B, NABARD Grade A, SEBI Grade A, and banking promotion tests.<\/p>\n\n\n\n<p>In this blog, we have provided details about the RBI February circulars along with a practice questions PDF and a live quiz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-rbi-circulars-february-2026-practice-quiz-pdf\"><span class=\"ez-toc-section\" id=\"Download_RBI_Circulars_February_2026_Practice_Quiz_PDF\"><\/span>Download RBI Circulars February 2026 Practice Quiz PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Circulars February 2026 Practice Quiz is a revision-based MCQ set prepared from the latest RBI notifications, master directions, and operational guidelines released during February 2026. It helps banking aspirants revise important developments in the financial sector in a practical and exam-oriented manner.<\/p>\n\n\n\n<p>The quiz covers key concepts such as FPI framework updates, MSME lending changes, IRAC norms, BSR data trends, digital payment developments, and risk management updates. It is designed to strengthen conceptual clarity, improve retention, and support quick revision for both Phase 1 and Phase 2 examinations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>RBI February Circular Quiz PDF<\/td><td><a href=\"https:\/\/www.oliveboard.in\/rbi-circulars-practice-quiz-pdf\/?ref=contac-rbi-acircpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download Free PDF<\/a><\/td><\/tr><tr><td>Check 2026 RBI Circular Details<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/?ref=contac-rbi-acircpq\">Check Details<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-the-rbi-circulars-february-2026-quiz\"><span class=\"ez-toc-section\" id=\"Attempt_the_RBI_Circulars_February_2026_Quiz\"><\/span>Attempt the RBI Circulars February 2026 Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI circulars have become highly important in banking and regulatory examinations as they reflect real-time policy and regulatory changes. Questions are frequently framed around compliance rules, lending norms, reporting systems, and financial stability measures.<\/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 February 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. What was the earlier investment cap under the Voluntary Retention Route (VRR) for Foreign Portfolio Investors before RBI&#8217;s recent amendment?<\/p>\n  <button data-correct=\"false\">\u20b91.5 lakh crore<\/button>\n  <button data-correct=\"false\">\u20b92.0 lakh crore<\/button>\n  <button data-correct=\"true\">\u20b92.5 lakh crore<\/button>\n  <button data-correct=\"false\">\u20b93.0 lakh crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. After RBI&#8217;s recent update, what has happened to the VRR investment cap?<\/p>\n  <button data-correct=\"false\">It has been increased to \u20b93 lakh crore<\/button>\n  <button data-correct=\"true\">It has been removed and merged into overall FPI debt limits<\/button>\n  <button data-correct=\"false\">It has been reduced to \u20b91.5 lakh crore<\/button>\n  <button data-correct=\"false\">It has been kept unchanged at \u20b92.5 lakh crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. What is the minimum lock-in period required under the Voluntary Retention Route (VRR)?<\/p>\n  <button data-correct=\"true\">3 years<\/button>\n  <button data-correct=\"false\">1 year<\/button>\n  <button data-correct=\"false\">2 years<\/button>\n  <button data-correct=\"false\">5 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. What is the FPI investment limit for Central Government Securities as a percentage of outstanding stock?<\/p>\n  <button data-correct=\"false\">2%<\/button>\n  <button data-correct=\"false\">4%<\/button>\n  <button data-correct=\"false\">15%<\/button>\n  <button data-correct=\"true\">6%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Under the revised MSME classification, what is the maximum turnover limit for a &#8216;Micro&#8217; enterprise?<\/p>\n  <button data-correct=\"false\">\u20b95 crore<\/button>\n  <button data-correct=\"false\">\u20b925 crore<\/button>\n  <button data-correct=\"true\">\u20b910 crore<\/button>\n  <button data-correct=\"false\">\u20b9100 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. What is the investment in plant and machinery limit for a &#8216;Medium&#8217; enterprise under revised MSME classification?<\/p>\n  <button data-correct=\"false\">\u20b92.5 crore<\/button>\n  <button data-correct=\"true\">\u20b9125 crore<\/button>\n  <button data-correct=\"false\">\u20b925 crore<\/button>\n  <button data-correct=\"false\">\u20b975 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. Up to what loan amount is collateral-free lending mandated for MSMEs?<\/p>\n  <button data-correct=\"false\">\u20b910 lakh<\/button>\n  <button data-correct=\"false\">\u20b915 lakh<\/button>\n  <button data-correct=\"true\">\u20b920 lakh<\/button>\n  <button data-correct=\"false\">\u20b925 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Up to what amount can banks extend the collateral-free MSME loan limit at their discretion?<\/p>\n  <button data-correct=\"true\">\u20b925 lakh<\/button>\n  <button data-correct=\"false\">\u20b920 lakh<\/button>\n  <button data-correct=\"false\">\u20b930 lakh<\/button>\n  <button data-correct=\"false\">\u20b950 lakh<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Under the IRAC norms, if a payment is overdue for more than how many days is an asset classified as NPA?<\/p>\n  <button data-correct=\"false\">30 days<\/button>\n  <button data-correct=\"false\">60 days<\/button>\n  <button data-correct=\"false\">180 days<\/button>\n  <button data-correct=\"true\">90 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. What accounting basis is used for income recognition on NPA accounts?<\/p>\n  <button data-correct=\"false\">Accrual basis<\/button>\n  <button data-correct=\"true\">Cash basis<\/button>\n  <button data-correct=\"false\">Hybrid basis<\/button>\n  <button data-correct=\"false\">Mark-to-market basis<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Under IRAC norms, what must happen to income already booked on an account that is later classified as NPA?<\/p>\n  <button data-correct=\"true\">It must be reversed<\/button>\n  <button data-correct=\"false\">It is carried forward to the next year<\/button>\n  <button data-correct=\"false\">It is transferred to a reserve fund<\/button>\n  <button data-correct=\"false\">It is taxed at a higher rate<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. Which of the following best describes a Default Loss Guarantee (DLG)?<\/p>\n  <button data-correct=\"false\">A government guarantee for MSME loans<\/button>\n  <button data-correct=\"false\">An insurance policy for depositors<\/button>\n  <button data-correct=\"true\">A risk-sharing mechanism between NBFC and Fintech\/LSP<\/button>\n  <button data-correct=\"false\">A credit rating instrument<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. DLG is said to resemble which financial instrument?<\/p>\n  <button data-correct=\"false\">Traditional securitization<\/button>\n  <button data-correct=\"true\">Synthetic securitization<\/button>\n  <button data-correct=\"false\">Covered bonds<\/button>\n  <button data-correct=\"false\">Commercial paper<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Under RBI&#8217;s DLG framework, which Indian Accounting Standard governs the treatment of DLG?<\/p>\n  <button data-correct=\"false\">Ind AS 32<\/button>\n  <button data-correct=\"false\">Ind AS 115<\/button>\n  <button data-correct=\"false\">Ind AS 116<\/button>\n  <button data-correct=\"true\">Ind AS 109<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. Which type of banks are excluded from submitting Basic Statistical Return (BSR) data to RBI?<\/p>\n  <button data-correct=\"false\">Private sector banks<\/button>\n  <button data-correct=\"false\">Foreign banks<\/button>\n  <button data-correct=\"false\">Small Finance Banks<\/button>\n  <button data-correct=\"true\">Regional Rural Banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. As per BSR data, which sector recorded the highest credit growth?<\/p>\n  <button data-correct=\"false\">Industry<\/button>\n  <button data-correct=\"false\">Services<\/button>\n  <button data-correct=\"true\">Agriculture<\/button>\n  <button data-correct=\"false\">Personal loans<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. What was the overall credit growth rate as per the latest BSR data?<\/p>\n  <button data-correct=\"false\">10.5%<\/button>\n  <button data-correct=\"true\">12.2%<\/button>\n  <button data-correct=\"false\">11.8%<\/button>\n  <button data-correct=\"false\">13.7%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. What is the base year for the RBI Digital Payment Index (DPI)?<\/p>\n  <button data-correct=\"true\">March 2018<\/button>\n  <button data-correct=\"false\">January 2018<\/button>\n  <button data-correct=\"false\">March 2019<\/button>\n  <button data-correct=\"false\">January 2021<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. When was the RBI Digital Payment Index (DPI) first launched?<\/p>\n  <button data-correct=\"false\">March 2018<\/button>\n  <button data-correct=\"false\">April 2020<\/button>\n  <button data-correct=\"false\">September 2022<\/button>\n  <button data-correct=\"true\">January 2021<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. What was the DPI value for September 2025?<\/p>\n  <button data-correct=\"false\">493.22<\/button>\n  <button data-correct=\"false\">500.00<\/button>\n  <button data-correct=\"true\">516.76<\/button>\n  <button data-correct=\"false\">510.50<\/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 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\"><\/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-1');\n  const STORAGE_KEY = 'quiz_1_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-1-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<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-febcircpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt RBI Grade B Mock Test<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-key-updates-in-fpi-and-vrr-framework\"><span class=\"ez-toc-section\" id=\"What_are_the_key_updates_in_FPI_and_VRR_framework\"><\/span>What are the key updates in FPI and VRR framework?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Foreign Portfolio Investment (FPI) refers to investments made by foreign investors in Indian financial markets without gaining control over management. The February 2026 circular updated the Voluntary Retention Route (VRR) to encourage stable long-term inflows into India. The earlier investment cap under VRR has been removed, and it is now merged with overall FPI debt limits while retaining the lock-in structure. This change simplifies the framework and supports smoother foreign investment flow.<\/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>FPI Meaning<\/td><td>Foreign investment without management control<\/td><\/tr><tr><td>Investment Types<\/td><td>Equity, debt, mutual funds<\/td><\/tr><tr><td>VRR Purpose<\/td><td>Stable long-term investment<\/td><\/tr><tr><td>Earlier VRR Cap<\/td><td>\u20b92.5 lakh crore<\/td><\/tr><tr><td>New Update<\/td><td>Cap removed<\/td><\/tr><tr><td>Lock-in Period<\/td><td>Minimum 3 years<\/td><\/tr><tr><td>General Route<\/td><td>Macroprudential limits apply<\/td><\/tr><tr><td>FAR Route<\/td><td>No limits on eligible govt securities<\/td><\/tr><tr><td>Debt Limits<\/td><td>G-Sec: 6%, SDL: 2%, Corporate Bonds: 15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-msme-collateral-free-lending-rule-changes\"><span class=\"ez-toc-section\" id=\"What_are_MSME_collateral-free_lending_rule_changes\"><\/span>What are MSME collateral-free lending rule changes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The MSME framework was revised to improve credit access for small and medium businesses. MSMEs are classified based on investment in plant &amp; machinery and turnover limits. RBI has strengthened collateral-free lending rules to reduce dependency on security and promote entrepreneurship. Banks now have some flexibility to extend higher limits based on borrower strength and internal policies.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>MSME Category<\/strong><\/td><td><strong>Investment &amp; Turnover Limits<\/strong><\/td><td><strong>Lending &amp; Policy Rules<\/strong><\/td><\/tr><tr><td>Micro<\/td><td>Investment: \u2264 \u20b92.5 croreTurnover: \u2264 \u20b910 crore<\/td><td>Collateral-free loan up to \u20b920 lakhBank discretion up to \u20b925 lakhGold\/Silver collateral allowed voluntarilyPMEGP scheme applicable<\/td><\/tr><tr><td>Small<\/td><td>Investment: \u2264 \u20b925 croreTurnover: \u2264 \u20b9100 crore<\/td><td>Collateral-free loan up to \u20b920 lakhBank discretion up to \u20b925 lakhGold\/Silver collateral allowed voluntarilyPMEGP scheme applicable<\/td><\/tr><tr><td>Medium<\/td><td>Investment: \u2264 \u20b9125 croreTurnover: \u2264 \u20b9500 crore<\/td><td>Collateral-free loan up to \u20b920 lakhBank discretion up to \u20b925 lakhGold\/Silver collateral allowed voluntarilyPMEGP scheme applicable<\/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=\"55Mrg_Htf_4\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-irac-framework-in-cooperative-banking-norms\"><span class=\"ez-toc-section\" id=\"What_is_IRAC_framework_in_cooperative_banking_norms\"><\/span>What is IRAC framework in cooperative banking norms?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The IRAC framework stands for Income Recognition, Asset Classification, and Provisioning norms. It is a prudential system designed to ensure financial discipline and accurate reporting in banks. Income recognition depends on whether the asset is standard or non-performing. Cooperative banks follow these norms to maintain transparency and reflect the true financial position.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Component<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Income Recognition<\/td><td>Based on accrual or cash method<\/td><\/tr><tr><td>Standard Assets<\/td><td>Income recorded on accrual basis<\/td><\/tr><tr><td>NPAs<\/td><td>Income recorded on cash basis<\/td><\/tr><tr><td>Purpose<\/td><td>Financial prudence<\/td><\/tr><tr><td>Applicability<\/td><td>Rural cooperative banks<\/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\/free-quizzes-for-regulatory-exams\/?ref=contac-rbi-febcircpq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free Quiz for Regulatory Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-are-npas-classified-under-rbi-norms\"><span class=\"ez-toc-section\" id=\"How_are_NPAs_classified_under_RBI_norms\"><\/span>How are NPAs classified under RBI norms?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Non-Performing Assets (NPAs) are loans where repayment is overdue beyond 90 days. RBI uses strict classification rules to ensure correct asset quality reporting. Once an account becomes NPA, income already recorded must be reversed. This ensures banks do not overstate profits and maintain financial accuracy.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Asset Type<\/strong><\/td><td><strong>Meaning<\/strong><\/td><\/tr><tr><td>Standard Asset<\/td><td>Regular repayment of principal and interest<\/td><\/tr><tr><td>NPA Definition<\/td><td>Overdue &gt; 90 days<\/td><\/tr><tr><td>Income Treatment (Standard)<\/td><td>Accrual basis<\/td><\/tr><tr><td>Income Treatment (NPA)<\/td><td>Cash basis<\/td><\/tr><tr><td>Income Reversal<\/td><td>Mandatory for already booked income<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-default-loss-guarantee-dlg-in-lending-framework\"><span class=\"ez-toc-section\" id=\"What_is_Default_Loss_Guarantee_DLG_in_lending_framework\"><\/span>What is Default Loss Guarantee (DLG) in lending framework?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Default Loss Guarantee (DLG) is a risk-sharing arrangement between fintech companies and NBFCs. In this model, fintech firms source borrowers while NBFCs provide loans. The fintech guarantees part of the credit losses, reducing risk for NBFCs. This structure is similar to synthetic securitization because only risk is transferred, not the actual loan asset.<\/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>Structure<\/td><td>Fintech sources borrowers; NBFC lends<\/td><\/tr><tr><td>Risk Sharing<\/td><td>Fintech covers part of losses<\/td><\/tr><tr><td>Nature<\/td><td>Similar to synthetic securitization<\/td><\/tr><tr><td>Accounting Standard<\/td><td>Ind AS 109 (ECL model)<\/td><\/tr><tr><td>RBI Condition<\/td><td>Must be part of loan contract<\/td><\/tr><tr><td>Compliance<\/td><td>Not treated as separate asset<\/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-fm-practice-quiz\/?ref=contac-rbi-febcircpq\" 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\" id=\"h-what-does-bsr-data-reveal-about-credit-and-deposits\"><span class=\"ez-toc-section\" id=\"What_does_BSR_data_reveal_about_credit_and_deposits\"><\/span>What does BSR data reveal about credit and deposits?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Basic Statistical Return (BSR) is an RBI reporting system that tracks credit and deposit performance in the banking sector. It is released quarterly and provides important insights into sectoral growth trends. The latest data shows strong credit expansion led by agriculture and steady growth in deposits across the banking system.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Indicator<\/strong><\/td><td><strong>Data\/Trend<\/strong><\/td><\/tr><tr><td>Credit Growth<\/td><td>12.2%<\/td><\/tr><tr><td>Agriculture<\/td><td>13.7% (highest)<\/td><\/tr><tr><td>Industry<\/td><td>12.9%<\/td><\/tr><tr><td>Personal Loans<\/td><td>12.1%<\/td><\/tr><tr><td>Deposit Growth<\/td><td>10.5%<\/td><\/tr><tr><td>Term Deposits<\/td><td>62.6%<\/td><\/tr><tr><td>Savings Deposits<\/td><td>28.8%<\/td><\/tr><tr><td>PSU Banks<\/td><td>Higher credit growth<\/td><\/tr><tr><td>Private Banks<\/td><td>Higher deposit growth<\/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-febcircpq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B ESI Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-digital-payment-index-dpi-and-its-latest-trend\"><span class=\"ez-toc-section\" id=\"What_is_Digital_Payment_Index_DPI_and_its_latest_trend\"><\/span>What is Digital Payment Index (DPI) and its latest trend?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Digital Payment Index (DPI) measures the adoption of digital payment systems in India. It is released by Reserve Bank of India twice a year and reflects the progress of digital financial infrastructure. The index has shown consistent growth due to the rise of UPI, mobile banking, and improved payment infrastructure across the country.<\/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>Purpose<\/td><td>Measures digital payment adoption<\/td><\/tr><tr><td>Base Year<\/td><td>March 2018 = 100<\/td><\/tr><tr><td>Latest Value<\/td><td>516.76 (Sep 2025)<\/td><\/tr><tr><td>Previous Value<\/td><td>493.22 (Mar 2025)<\/td><\/tr><tr><td>Frequency<\/td><td>Semi-annual release by RBI<\/td><\/tr><tr><td>Key Drivers<\/td><td>UPI, mobile banking, improved payment infrastructure<\/td><\/tr><tr><td>Payment Performance<\/td><td>45%<\/td><\/tr><tr><td>Payment Enablers<\/td><td>25%<\/td><\/tr><tr><td>Infrastructure<\/td><td>25%<\/td><\/tr><tr><td>Consumer Centricity<\/td><td>5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><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-is-deposit-insurance-and-risk-based-premium-system\"><span class=\"ez-toc-section\" id=\"What_is_Deposit_Insurance_and_risk-based_premium_system\"><\/span>What is Deposit Insurance and risk-based premium system?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deposit insurance ensures protection for bank depositors in case of bank failure. It is managed by DICGC in India. Earlier, all banks paid a flat premium, but the new system introduces risk-based pricing. Safer banks pay lower premiums, while riskier banks pay higher premiums, improving fairness and financial discipline.<\/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>Insurance Body<\/td><td>DICGC<\/td><\/tr><tr><td>Coverage Limit<\/td><td>\u20b95 lakh per depositor<\/td><\/tr><tr><td>Covered Accounts<\/td><td>Savings, FD, current, RD<\/td><\/tr><tr><td>Old System<\/td><td>Flat premium (12 paise per \u20b9100)<\/td><\/tr><tr><td>New System<\/td><td>Risk-based premium<\/td><\/tr><tr><td>Risk Categories<\/td><td>A to D<\/td><\/tr><tr><td>Vintage Benefit<\/td><td>Up to 25% discount<\/td><\/tr><tr><td>Payment Banks<\/td><td>Flat rate continues<\/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\/?ref=contac-rbi-febcircpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Explore RBI Grade B Courses<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-other-important-rbi-february-2026-updates\"><span class=\"ez-toc-section\" id=\"What_are_other_important_RBI_February_2026_updates\"><\/span>What are other important RBI February 2026 updates?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apart from core banking reforms, February 2026 circulars also included macroeconomic and regulatory developments. These updates focus on financial literacy, cybersecurity, monetary policy stability, and banking risk controls. They are important for understanding the broader financial environment and exam-relevant policy direction.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financial Literacy Week 2026 focused on KYC, RE-KYC, CKYC<\/li>\n\n\n\n<li>Cyber fraud prevention workshop conducted in Mumbai<\/li>\n\n\n\n<li>Repo rate maintained at 5.25% with neutral stance<\/li>\n\n\n\n<li>GDP growth projection: 7.4%, CPI inflation: 2.1%<\/li>\n\n\n\n<li>Capital adequacy rules updated for clearing corporation guarantees<\/li>\n\n\n\n<li>Strong emphasis on digital banking security<\/li>\n\n\n\n<li>Focus on capital market exposure and risk controls<\/li>\n<\/ul>\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-1780067975386\"><strong class=\"schema-faq-question\">1. What is the main purpose of the RBI Circulars February 2026 Quiz?<\/strong> <p class=\"schema-faq-answer\">The quiz helps candidates revise important RBI circulars and regulatory updates released in February 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780067977070\"><strong class=\"schema-faq-question\">2. What is the new update in the VRR framework?<\/strong> <p class=\"schema-faq-answer\">RBI removed the earlier \u20b92.5 lakh crore cap under the Voluntary Retention Route (VRR).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780067977962\"><strong class=\"schema-faq-question\">3. What is the collateral-free loan limit for MSMEs?<\/strong> <p class=\"schema-faq-answer\">Banks can provide collateral-free loans up to \u20b920 lakh to eligible MSMEs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780067978468\"><strong class=\"schema-faq-question\">4. When does a loan become an NPA under IRAC norms?<\/strong> <p class=\"schema-faq-answer\">A loan becomes an NPA if interest or principal remains overdue for more than 90 days.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780067979092\"><strong class=\"schema-faq-question\">5. What is the latest Digital Payment Index (DPI) value?<\/strong> <p class=\"schema-faq-answer\">The latest DPI value is 516.76 for September 2025.<\/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\/how-to-prepare-general-awareness-for-rbi-grade-b\/\">RBI Grade B General Awareness, Know Tips to Crack GA for RBI Grade B<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/\">Attempt RBI Circulars February 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-grade-b-selection-process\/\">RBI Grade B Selection Process 2026, Know About Phase 1, 2 &amp; Interview<\/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-may-bulletin\/\">RBI Bulletin May 2026, Check Details and Practice Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-bulletin-april-2026\/\">RBI Bulletin April 2026, Check Details and Practice Quiz<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Keeping up with RBI circulars is a smart strategy for scoring well in banking and regulatory exams. The February 2026<\/p>\n","protected":false},"author":58,"featured_media":244918,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10226],"tags":[],"class_list":["post-244916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbi","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>Attempt RBI Circulars February 2026 Practice Quiz &amp; Download PDF<\/title>\n<meta name=\"description\" content=\"Check out the details of the RBI February 2026 circulars, attempt questions based on them, and download the free PDF.\" \/>\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-february-circulars\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Attempt RBI Circulars February 2026 Practice Quiz &amp; Download PDF\" \/>\n<meta property=\"og:description\" content=\"Keeping up with RBI circulars is a smart strategy for scoring well in banking and regulatory exams. The February 2026 RBI updates are especially important\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/rbi-february-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=\"2026-05-29T15:43:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-29T15:43:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/05\/RBI-1-7.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=\"AditiOB\" \/>\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=\"AditiOB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 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-february-circulars\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/\"},\"author\":{\"name\":\"AditiOB\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/0cbc4ac8555ced346681804861de062c\"},\"headline\":\"Attempt RBI Circulars February 2026 Practice Quiz &amp; 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I work as a Content Writer at Oliveboard, where I have been simplifying exam-related content for the past 4 years. I create clear and easy-to-understand guides for JAIIB, CAIIB, and UGC exams. My work includes breaking down notifications, admit cards, and exam updates, as well as preparing study plans and subject-wise strategies. My goal is to support working professionals in managing their exam preparation alongside a full-time job and to help them achieve career growth.\",\"sameAs\":[\"www.linkedin.com\/in\/aditi-chakraborty-131b3b379\"]},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067975386\",\"position\":1,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067975386\",\"name\":\"1. What is the main purpose of the RBI Circulars February 2026 Quiz?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The quiz helps candidates revise important RBI circulars and regulatory updates released in February 2026.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067977070\",\"position\":2,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067977070\",\"name\":\"2. 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What is the collateral-free loan limit for MSMEs?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banks can provide collateral-free loans up to \u20b920 lakh to eligible MSMEs.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067978468\",\"position\":4,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-february-circulars\/#faq-question-1780067978468\",\"name\":\"4. 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