Digital Awareness add hua hai IBPS PO Mains GA me ek subtopic. โ
Padhte jana
Padhte jana
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โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
a- UPI 123 Pay b- UPI X c- Hello UPI d- UPI Circle e- UPI Say
UPI (Unified Payments Interface) โ Complete Exam Ready Notes (Updated till June 2026) ๐ฎ๐ณ
โ๏ธDeveloped by: NPCI
โ๏ธRegulated by: RBI
โ๏ธLaunch: 11 April 2016
โ๏ธBuilt on: IMPS Infrastructure
PSP (Payment Service Provider= Ye banks hote hain jo UPI services provide karte hain.
TPAP (Third Party App Provider)= Ye khud bank nahi hote. Ye PSP Bank ke through UPI provide karte hain.
Examples:: PhonePe, Google Pay, Paytm, Amazon Pay, BHIM
UPI ID (VPA) : Virtual Payment Address
โ๏ธ Account number share nahi karna padta.
โ๏ธ IFSC ki zarurat nahi.
โ๏ธ Privacy maintain hoti hai.
UPI PIN
4 ya 6 digit secret PIN.
Payment authorize karta hai.
Sirf debit transactions ke liye use hota hai.
Kisi ke saath share nahi karna.
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UPI Products (Most Important)
UPI P2P = Person to Person
Friend ko โน500 bhejna.
UPI P2M = Person to Merchant
Shopkeeper ko QR scan karke payment.
QR Payments
Static QR = Amount manually enter karna hota hai.
Dynamic QR = Amount already generated hota hai.
Collect Request = Receiver payment request bhejta hai.
Aap approve karte ho.
Money deduct ho jata hai.
UPI AutoPay = Recurring automatic payment.
IPO Mandate
IPO apply karte waqt amount account me block hota hai.
Shares allot hue โMoney deduct.
Shares nahi mile โMoney unblock.
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International UPI
Purpose: Foreign countries me Indian UPI use karna ๐๐ฎ๐ณ
Benefits: Indian tourists โ๏ธ, NRIs, Businesses ๐ผ, Cross-border payments ๐ธ
Countries (till June 2026) =10 countries ๐
๐ธ๐ฌ Singapore
๐ฆ๐ช UAE
๐ซ๐ท France
๐ง๐น Bhutan
๐ณ๐ต Nepal
๐ฑ๐ฐ Sri Lanka
๐ฒ๐บ Mauritius
๐น๐น Trinidad & Tobago
๐ต๐ช Peru
๐ณ๐ฆ Namibia
๐ฌ๐ท Greece (10th country to accept UPI in June 2026) ๐
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Credit Line On UPI โ
"Bank ya financial institution dwara pehle se approve ki gayi ek borrowing limit, jisme se zarurat ke hisaab se paise use kiye ja sakte hain."
Maan lo bank ne tumhe โน1,00,000 ki Credit Line approve kar di.
Aaj tumhe sirf โน20,000 ki zarurat hai โ tum โน20,000 use karte ho.
Baaki โน80,000 baad me jab zarurat ho tab use kar sakte ho.
Interest sirf us amount par lagega jo tumne use kiya hai (terms ke hisaab se).
UPI me Credit Line kya hoti hai?
Credit Line on UPI ka matlab hai:
Bank tumhare liye ek pre-approved credit limit rakhta hai.
Jab tum UPI se payment karte ho, paise tumhare savings account se nahi katte.
Payment us approved credit limit se hoti hai.
Baad me tum bank ko woh amount repay karte ho.
Example
Savings Account Balance = โน2,000
Credit Line = โน50,000
Tumne UPI se โน8,000 ka payment kiya.
โก๏ธ โน8,000 tumhare account se nahi katega.
โก๏ธ Ye bank ki Credit Line se pay hoga.
โก๏ธ Baad me tum bank ko โน8,000 (aur agar applicable ho to interest) wapas karoge.
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โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
Photo
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tum 2 or 3 insan kitna anokha hai๐คจ
beyond reasons
beyond reasons
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ye teen insan jo hain na inhi ka answer sahi hai sirf
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uff
Answer - only II is the right answer
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โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
copy paste hai , jyada khush mat ho, merko nahi aata itna likhna
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โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
crimsy billoti ka gym khula hai ๐คฃ๐คณ
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๐ธ๐๐ฐ =โdil na diya , le betta
Answer : both are independent
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๐โยซ JUNE 2026 โ Banking & Finance ยปโ๐
โ
SEBIโs NISM Partners with Galgotias University (UP) to Expand Industry-Aligned Financial Education.โ
Bajaj Finserv Partners with IIT-Bombay to Launch โFinserv Intelligenceโ for AI & Deep-Tech Research โ to support Indiaโs research and innovation in Artificial Intelligence (AI) and deep-technology.โ Karura Vysya Bank Limited (KVB), an Indian private sector bank, launched 4 new premium credit card portfolios namely, Aura
(Visa Platinum), Samara (Visa Signature), Altura (Visa Infinite) and Eternis (Visa Infinite), on the Visa platform.โ RBI Annual Report 2025-26: RBIโs Balance Sheet for FY26 Expands by 20.6% to
Rs 91.97 lakh crores.โ India Emerges As Worldโs 5th Most Digitalised Economy:
โState of Indiaโs Digital Economy (SIDE) 2026โ Report โ an annual publication from 2023.โ CHIPS Index: The report also ranked India fourth globally in the
Connect, Harness, Innovate, Protect and Sustain (CHIPS) index for (AI), behind only the United States of America (USA), China and Singapore.โ BharatPe launches
BharatPe Flex, a Credit-on-UPI solution powered by YES BANK โ BharatPe has also launched a new brand film for BharatPe Flex built around the proposition โPay now. Settle laterโ, highlighting the rising preference among consumers to pay through UPI.โ Indiaโs UPI Enabled for Payments in
Cambodia via KHQR Network โ (NPCI), partnered with ACLEDA Bank Plc. (Association of Cambodian Local Economic Development Agencies Bank).โ Asian Development Bank (ADB) + Standard Chartered Bank signed agreements to strengthen supply chain finance in India through risk-sharing arrangements covering both
United States Dollar (USD) and Indian Rupee (INR) transactions.โ Highlights of RBIโs 2nd Bi-monthly Monetary Policy FY2025-26: Policy Rates kept Unchanged โ (FY27)
61st and 2nd Bi-monthly Monetary Policy Committee (MPC)
(LAF) unchanged at 5.25%.
(SDF) rate remains at 5.00%
(MSF) rate + Bank Rate = 5.50%.
(GDP) Forecast for FY 27 = 6.6%
CPI inflation for FY27 = 5.1%
โ International Finance Corporation (IFC), a
World Bank Group arm and Global Investors committed a total investment of around โจ USD 105 million, to Hygenco Green Energies Private Limited to accelerate green hydrogen development in India.โ RBI Imposes
Rs 41.80 Lakh Penalty on Canara Bank for KYC and Account Classification Lapses โ under Section 47A(1)(c) read with Sections 46(4)(i) and 51(1) of the Banking Regulation Act, 1949.โ RBI Launches Twin USD-INR Forex Swap Facility
to Attract Foreign Currency Inflows :โ One for fresh Foreign Currency Non-Resident Bank (FCNR (B)) deposits
โ Second for eligible External Commercial Borrowings (ECBs) and overseas Foreign Currency Borrowings (OFCBs)
โ Sahamati Foundation Gets RBI Recognition as
SRO for AA Ecosystem โ Viyona Fintech Gets NPCI Certification as
Biller Operating Unit under BBPS to collect payments through the Bharat BillPay network.โ
RBI Releases '' 3rd Amendment Directions'' easing Bank Lending Norms for REITs and InvITs
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โ Nuvama Wealth Management Gets SEBI Approval to Launch Mutual Fund Business through its asset management arm Nuvama Asset Management Limited (NAML).
โ (RBI) imposed several restrictions on Mogaveera Co-operative Bank Limited (Mumbai, Maharashtra) under direction for a period of 6 months.
โ Oil India Limited (OIL), a โMaharatnaโ Central Public Sector Enterprise (CPSE) under
โ (SEBI) revised the trading framework for
โ RBI Launches โRBI Reelathon 2026โ to Combat Cyber Financial Frauds in
โ Bank of Baroda Launches
โ YES BANK & Northern Arc Capital Partner to Expand
โ
banks can lend only to REITs and InvITs that are registered with and regulated by (SEBI) and listed on recognised Stock Exchanges (SE).โ
For REITs, lending will be restricted to listed trusts where at least 80% of assets comprise cash-generating properties that have been operational for more than one year.โ
Banks may lend only to listed InvITs with at least 80% of assets invested in completed and revenue-generating infrastructure projects with positive cash flows for one plus year.โ Nuvama Wealth Management Gets SEBI Approval to Launch Mutual Fund Business through its asset management arm Nuvama Asset Management Limited (NAML).
โ (RBI) imposed several restrictions on Mogaveera Co-operative Bank Limited (Mumbai, Maharashtra) under direction for a period of 6 months.
โ Oil India Limited (OIL), a โMaharatnaโ Central Public Sector Enterprise (CPSE) under
(MoPNG), signed a collaboration framework with Petroleum Technology Research Centre (PRTC), a Canada-based not-for-profit energy research organisation, to jointly explore carbon capture, geothermal energy, and other clean energy technologies.โ (SEBI) revised the trading framework for
Exchange Traded Funds (ETFs), introducing dynamic price bands to determine their base price - Effective from September 01, 2026.โ RBI Launches โRBI Reelathon 2026โ to Combat Cyber Financial Frauds in
Keralaโ Bank of Baroda Launches
โbob Golden Goal Deposit Schemeโ Offering Interest Rates up to 7.40% โ a 555-day retail term deposit for deposits below Rs 3 crore.โ YES BANK & Northern Arc Capital Partner to Expand
Credit Access and Digital Lendingโ
NSE Indices Adds 11 New
โ National Industry Platform โARIFACโ Launched to Strengthen AML/CFT Framework in India.
โ ADB Partners with
โ BITS Pilani-Axis Bank Signed Agreement to Establish
โ BSE Launches Indiaโs first
โ IRDAI Constitutes a 7-member AI Working Group Led by
โ Federal Bank Launches
โ (RBI) revamped the โKisan Credit Card (KCC) schemeโ, โ KCC directions, 2026 will apply to loans sanctioned under the KCC scheme from January 1, 2027.
โ RBI Waives
โ voluntary pledge of gold and silver as collateral for agriculture loans up to the collateral-free limit will not be considered as a violation of the guidelines on collateral-free lending to the agriculture sector.
โ Zerodha Fund House Launches Indiaโs First Lifecycle Mutual Funds with
โ PNB Partners with Zaggle to Launch
โ World Bank Approves USD 1.5 Billion for Indiaโs
โ World Bank Approves Rs 4,000 Crore Loan for
โ PFRDA Launches AI-Powered Pension Sahayak Portal for Pension Grievance Redressal
โ NSE Partners with BME to Boost
โ Skydo became the 1st Indian cross-border company
โ jUMPP - an (AI)-driven fintech platform- Secured NPCI Approval
โ LEXI Receives
โ Paisabazaar,
โ RBI Classifies NBFCs with Assets Above Rs 1 lakh Crore as Upper Layer
โ ADB Approves USD 42.2 Million Small Expenditure Financing Facility (SEFF) Loan to Develop Bamboo industry in NE India
Sectoral Indices, Total Reaches 34โ National Industry Platform โARIFACโ Launched to Strengthen AML/CFT Framework in India.
โ ADB Partners with
Schoolnet India Limited [SIL] for USD 10 Mn to Expand Digital Education Infrastructure in India.โ BITS Pilani-Axis Bank Signed Agreement to Establish
Rs 100 Crore Innovation Park in Hyderabad.โ BSE Launches Indiaโs first
Saatvik Index โBSE Saatvik 100โ to Promote Ethical-based Investing โ The Index is derived from the constituents of BSE 500 Index + base value of 1000.โ IRDAI Constitutes a 7-member AI Working Group Led by
Prof. Sandeep Shukla to Guide AI Adoption in Insurance Sector.โ Federal Bank Launches
FCNR Max Deposit Scheme with 6.25% Interest on USD Deposits - with tenures of 3โ5 years.โ (RBI) revamped the โKisan Credit Card (KCC) schemeโ, โ KCC directions, 2026 will apply to loans sanctioned under the KCC scheme from January 1, 2027.
โ RBI Waives
Collateral Requirement for Agri Loans Up to Rs 2 lakhs; Revamps Lead Bank Scheme (LBS).โ voluntary pledge of gold and silver as collateral for agriculture loans up to the collateral-free limit will not be considered as a violation of the guidelines on collateral-free lending to the agriculture sector.
โ Zerodha Fund House Launches Indiaโs First Lifecycle Mutual Funds with
Target Years 2036 and 2041 โ PNB Partners with Zaggle to Launch
Eco-Friendly Co-Branded Twin Credit Cards - offers customers access to both Visa and RuPay networks through a twin-card proposition.โ World Bank Approves USD 1.5 Billion for Indiaโs
Structural Reforms to Boost Private Sector Job Creation โ under the Private Sector Development Policy Financing (DPF) programme.โ World Bank Approves Rs 4,000 Crore Loan for
Haryanaโs Jal Sanrakshit Haryana Projectโ PFRDA Launches AI-Powered Pension Sahayak Portal for Pension Grievance Redressal
โ NSE Partners with BME to Boost
Indiaโs Non-Ferrous Metal Derivatives Marketโ
International Finance Corporation (IFC), - arm of World Bank Group (WBG), pledged USD 371 million to Sify Infinit Spaces Limited (SISL), to support the development of Artificial Intelligence (AI)-ready, energy-efficient Data Centre (DC) infrastructure in India.โ Skydo became the 1st Indian cross-border company
to get regulatory approval overseas โ Secures Canada Registration โ jUMPP - an (AI)-driven fintech platform- Secured NPCI Approval
to Operate as TPAP, Enabling UPI Services .โ LEXI Receives
In-Principle Approval from IFSCA to Operate as PSP at GIFT-IFSCโ Paisabazaar,
Indiaโs largest financial marketplaces, in partnership with SBM Bank (India) Limited, launched the โSBM Paisabazaar Paisa+ Credit Cardโ, a Fixed Deposit (FD)-backed secured credit card.โ RBI Classifies NBFCs with Assets Above Rs 1 lakh Crore as Upper Layer
โ ADB Approves USD 42.2 Million Small Expenditure Financing Facility (SEFF) Loan to Develop Bamboo industry in NE India
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Done โ
Only one liner type revision notes to memorize the main idea.
Revision toh detailed pdf se hi karna hoga
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goodnight๐ฅฑ๐ด๐ค
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