TIRM Q. Forward contracts are standardized and traded on organized exchanges.
Anonymous Poll
81%
TRUE
19%
FALSE
Forwarded from Bank Promotions all Banks ️
🧓📢 Secure Your Retirement with APY!
💰 Guaranteed Pension ₹1,000 – ₹5,000 per month
🎯 Age Eligibility: 18–40 years
🏦 Perfect for Bank Staff Promotions & Exams
🔗 Join Live Class Now: https://youtu.be/TS1FH_HBbr0
💰 Guaranteed Pension ₹1,000 – ₹5,000 per month
🎯 Age Eligibility: 18–40 years
🏦 Perfect for Bank Staff Promotions & Exams
🔗 Join Live Class Now: https://youtu.be/TS1FH_HBbr0
YouTube
ATAL PENSION YOJANA (APY) | Eligibility, Benefits, Limits | Bank Promotions
ATAL PENSION YOJANA (APY) | Eligibility, Benefits, Limits | Bank Promotions
In this special Bank Promotion session, we discuss Atal Pension Yojana (APY) in full detail with practical clarity and promotion-focused understanding for bank officers.
👴 What…
In this special Bank Promotion session, we discuss Atal Pension Yojana (APY) in full detail with practical clarity and promotion-focused understanding for bank officers.
👴 What…
ITF Q. In e-commerce exports, goods are always shipped from India and never from a foreign logistics partner.
Anonymous Poll
60%
TRUE
40%
FALSE
❤1
KYC/AML Q. The EU AML directives remain static and unchanged since their first issuance in 1990.
Anonymous Poll
69%
TRUE
31%
FALSE
📌 Latest Banking Update – Operational & Banking Sector Changes (India, 2026)
💳 Credit Card Benefit Rationalisation
Major banks including State Bank of India, HDFC Bank, ICICI Bank, and Punjab National Bank have revised reward structures.
🎬 Certain complimentary lifestyle benefits (e.g., movie ticket offers) have been withdrawn on select cards.
🎁 Premium card reward redemptions are now capped (e.g., limited number of redemptions per month).
🎯 Objective: Cost optimisation and improved reward sustainability.
💸 Digital Transaction Charges Updated
⚡ IMPS transfer charges revised for higher transaction slabs.
🆓 Transfers up to ₹25,000 remain free in many cases.
💰 Tier-based charges applicable beyond ₹25,000, increasing with higher transaction limits (up to ₹5 lakh slab).
📲 Impact: Retail and MSME customers using instant digital transfers.
🧾 KYC Compliance Enforcement
🛑 Banks have tightened KYC update deadlines.
📄 Non-compliance may result in debit freeze, transaction restrictions, or partial account operations.
🔎 Focus aligned with RBI’s KYC/AML compliance framework.
🛡️ Fraud Control & Mule Account Crackdown
🚨 State enforcement agencies are intensifying action against mule accounts used for cyber fraud.
🔐 Banks collaborating to freeze suspicious accounts and strengthen monitoring systems.
📊 Enhanced transaction surveillance and risk-based monitoring implemented.
🔄 Sectoral Trend (2026 Direction)
📱 Strong push toward digital banking cost rationalisation.
🧠 Risk-based compliance and fraud analytics strengthened.
👥 Customer protection and operational efficiency prioritised.
These operational updates collectively signal a shift toward tighter compliance, cost management, and enhanced digital governance within the Indian banking ecosystem.
💳 Credit Card Benefit Rationalisation
Major banks including State Bank of India, HDFC Bank, ICICI Bank, and Punjab National Bank have revised reward structures.
🎬 Certain complimentary lifestyle benefits (e.g., movie ticket offers) have been withdrawn on select cards.
🎁 Premium card reward redemptions are now capped (e.g., limited number of redemptions per month).
🎯 Objective: Cost optimisation and improved reward sustainability.
💸 Digital Transaction Charges Updated
⚡ IMPS transfer charges revised for higher transaction slabs.
🆓 Transfers up to ₹25,000 remain free in many cases.
💰 Tier-based charges applicable beyond ₹25,000, increasing with higher transaction limits (up to ₹5 lakh slab).
📲 Impact: Retail and MSME customers using instant digital transfers.
🧾 KYC Compliance Enforcement
🛑 Banks have tightened KYC update deadlines.
📄 Non-compliance may result in debit freeze, transaction restrictions, or partial account operations.
🔎 Focus aligned with RBI’s KYC/AML compliance framework.
🛡️ Fraud Control & Mule Account Crackdown
🚨 State enforcement agencies are intensifying action against mule accounts used for cyber fraud.
🔐 Banks collaborating to freeze suspicious accounts and strengthen monitoring systems.
📊 Enhanced transaction surveillance and risk-based monitoring implemented.
🔄 Sectoral Trend (2026 Direction)
📱 Strong push toward digital banking cost rationalisation.
🧠 Risk-based compliance and fraud analytics strengthened.
👥 Customer protection and operational efficiency prioritised.
These operational updates collectively signal a shift toward tighter compliance, cost management, and enhanced digital governance within the Indian banking ecosystem.
ITF Q. A Fumigation Certificate confirms goods have been cleaned for compliance with sanitary standards.
Anonymous Poll
77%
TRUE
23%
FALSE
CCP Q. In multiple banking, each bank holds security independently and performs its own credit assessment.
Anonymous Poll
92%
TRUE
8%
FALSE
CCP Q. Cash credit, overdraft, and term loans are classified under the basic types of bank credit facilities.
Anonymous Poll
93%
TRUE
7%
FALSE
TIRM Q. ECB funds for rupee expenditure must be repatriated to India immediately.
Anonymous Poll
63%
TRUE
37%
FALSE
Forwarded from Bank Promotions all Banks ️
📚 Bank Promotion 2026 Special
🏦 Schemes You Must Know
🆕 Updated Guidelines & Limits
📌 Concept + MCQ Discussion
🔗 Attend Here: https://youtube.com/live/1KNnwNXd_PQ
🏦 Schemes You Must Know
🆕 Updated Guidelines & Limits
📌 Concept + MCQ Discussion
🔗 Attend Here: https://youtube.com/live/1KNnwNXd_PQ
YouTube
Bank Promotion Exam 2026 | Important Banking Schemes & Latest Updates | Live Class #26
Bank Promotion Exam 2026 | Important Banking Schemes & Latest Updates | Live Class #26
This live session covers Important Banking Schemes & Latest Updates 2026 specially designed for internal Bank Promotion Exams (Scale I, II, III).
📌 What you will learn:…
This live session covers Important Banking Schemes & Latest Updates 2026 specially designed for internal Bank Promotion Exams (Scale I, II, III).
📌 What you will learn:…
Forwarded from IIBF CERTIFICATION 2025 DAILY UPDATES
Risk-Based Deposit Insurance Premium (Effective 1 April 2026 – India)
Regulator: Reserve Bank of India through Deposit Insurance and Credit Guarantee Corporation (DICGC)
🔔 Major Reform in Deposit Insurance System
From 1 April 2026, India shifts from a flat premium system to a Risk-Based Premium (RBP) system for deposit insurance.
💰 Deposit Insurance Coverage (No Change)
✔ Coverage limit remains ₹5,00,000 per depositor per bank
✔ Covers principal + interest
✔ Applicable to commercial banks, RRBs and eligible cooperative banks
⚖️ What Changes?
Earlier ➝ All banks paid the same premium rate
Now ➝ Premium depends on the risk profile of each bank
📊 Risk Parameters Considered
• Capital Adequacy Ratio (CRAR)
• Gross & Net NPA levels
• Profitability (ROA)
• Liquidity position
• Leverage ratio
• Compliance track record
🏦 Impact on Banks
✅ Strong & well-managed banks
• May get premium reduction up to ~33%
• Additional vintage incentive up to ~25%
• Lower cost burden & better profitability
⚠️ High-risk banks
• Higher insurance premium
• Pressure to improve asset quality & capital strength
• Stronger supervisory oversight
🛡️ Objective of the Reform
• Strengthen financial stability
• Encourage prudent risk management
• Discourage excessive risk-taking
• Protect Deposit Insurance Fund
📅 Effective Date
➡ Applicable from 1 April 2026
🎯 Exam-Focused Highlights
• Coverage limit: ₹5 lakh
• Earlier system: Flat premium
• New system: Risk-based premium
• Regulator: RBI / DICGC
• Objective: Stability + Risk discipline
Regulator: Reserve Bank of India through Deposit Insurance and Credit Guarantee Corporation (DICGC)
🔔 Major Reform in Deposit Insurance System
From 1 April 2026, India shifts from a flat premium system to a Risk-Based Premium (RBP) system for deposit insurance.
💰 Deposit Insurance Coverage (No Change)
✔ Coverage limit remains ₹5,00,000 per depositor per bank
✔ Covers principal + interest
✔ Applicable to commercial banks, RRBs and eligible cooperative banks
⚖️ What Changes?
Earlier ➝ All banks paid the same premium rate
Now ➝ Premium depends on the risk profile of each bank
📊 Risk Parameters Considered
• Capital Adequacy Ratio (CRAR)
• Gross & Net NPA levels
• Profitability (ROA)
• Liquidity position
• Leverage ratio
• Compliance track record
🏦 Impact on Banks
✅ Strong & well-managed banks
• May get premium reduction up to ~33%
• Additional vintage incentive up to ~25%
• Lower cost burden & better profitability
⚠️ High-risk banks
• Higher insurance premium
• Pressure to improve asset quality & capital strength
• Stronger supervisory oversight
🛡️ Objective of the Reform
• Strengthen financial stability
• Encourage prudent risk management
• Discourage excessive risk-taking
• Protect Deposit Insurance Fund
📅 Effective Date
➡ Applicable from 1 April 2026
🎯 Exam-Focused Highlights
• Coverage limit: ₹5 lakh
• Earlier system: Flat premium
• New system: Risk-based premium
• Regulator: RBI / DICGC
• Objective: Stability + Risk discipline
ITF Q. Under advance payment, the importer bears the risk of non-shipment or poor-quality goods.
Anonymous Poll
72%
TRUE
28%
FALSE
DRA Q. NBFCs may auction pledged gold without informing the customer in advance.
Anonymous Poll
33%
TRUE
67%
FALSE
💳🆓 Zero Balance Account – Complete Clarity Session
🏦 BSBDA vs Regular Savings
📊 Transaction Limits | Withdrawal Rules | Charges
🔗 Join Now: https://youtu.be/I7NlWBpZ8GI
🏦 BSBDA vs Regular Savings
📊 Transaction Limits | Withdrawal Rules | Charges
🔗 Join Now: https://youtu.be/I7NlWBpZ8GI
YouTube
Basic Savings Bank Deposit Account (BSBDA) | Bank Promotions | Features, Limits & Examples
Basic Savings Bank Deposit Account (BSBDA) | Bank Promotions | Features, Limits & Examples
In this Bank Promotion class, we are discussing Basic Savings Bank Deposit Account (BSBDA) in very simple and practical language with real banking examples. This session…
In this Bank Promotion class, we are discussing Basic Savings Bank Deposit Account (BSBDA) in very simple and practical language with real banking examples. This session…
CCP Q. Banks typically avoid long-term loans because they are primarily short-term lenders.
Anonymous Poll
20%
TRUE
80%
FALSE
KYC/AML Q. Basel Committee's 2009 guidelines address due diligence in cover payments and wire transfers.
Anonymous Poll
100%
TRUE
0%
FALSE
Forwarded from IIBF CERTIFICATION 2025 DAILY UPDATES
Risk-Based Deposit Insurance Premium (Effective 1 April 2026 – India)
Regulator: Reserve Bank of India through Deposit Insurance and Credit Guarantee Corporation (DICGC)
🔔 Major Reform in Deposit Insurance System
From 1 April 2026, India shifts from a flat premium system to a Risk-Based Premium (RBP) system for deposit insurance.
💰 Deposit Insurance Coverage (No Change)
✔ Coverage limit remains ₹5,00,000 per depositor per bank
✔ Covers principal + interest
✔ Applicable to commercial banks, RRBs and eligible cooperative banks
⚖️ What Changes?
Earlier ➝ All banks paid the same premium rate
Now ➝ Premium depends on the risk profile of each bank
📊 Risk Parameters Considered
• Capital Adequacy Ratio (CRAR)
• Gross & Net NPA levels
• Profitability (ROA)
• Liquidity position
• Leverage ratio
• Compliance track record
🏦 Impact on Banks
✅ Strong & well-managed banks
• May get premium reduction up to ~33%
• Additional vintage incentive up to ~25%
• Lower cost burden & better profitability
⚠️ High-risk banks
• Higher insurance premium
• Pressure to improve asset quality & capital strength
• Stronger supervisory oversight
🛡️ Objective of the Reform
• Strengthen financial stability
• Encourage prudent risk management
• Discourage excessive risk-taking
• Protect Deposit Insurance Fund
📅 Effective Date
➡ Applicable from 1 April 2026
🎯 Exam-Focused Highlights
• Coverage limit: ₹5 lakh
• Earlier system: Flat premium
• New system: Risk-based premium
• Regulator: RBI / DICGC
• Objective: Stability + Risk discipline
Regulator: Reserve Bank of India through Deposit Insurance and Credit Guarantee Corporation (DICGC)
🔔 Major Reform in Deposit Insurance System
From 1 April 2026, India shifts from a flat premium system to a Risk-Based Premium (RBP) system for deposit insurance.
💰 Deposit Insurance Coverage (No Change)
✔ Coverage limit remains ₹5,00,000 per depositor per bank
✔ Covers principal + interest
✔ Applicable to commercial banks, RRBs and eligible cooperative banks
⚖️ What Changes?
Earlier ➝ All banks paid the same premium rate
Now ➝ Premium depends on the risk profile of each bank
📊 Risk Parameters Considered
• Capital Adequacy Ratio (CRAR)
• Gross & Net NPA levels
• Profitability (ROA)
• Liquidity position
• Leverage ratio
• Compliance track record
🏦 Impact on Banks
✅ Strong & well-managed banks
• May get premium reduction up to ~33%
• Additional vintage incentive up to ~25%
• Lower cost burden & better profitability
⚠️ High-risk banks
• Higher insurance premium
• Pressure to improve asset quality & capital strength
• Stronger supervisory oversight
🛡️ Objective of the Reform
• Strengthen financial stability
• Encourage prudent risk management
• Discourage excessive risk-taking
• Protect Deposit Insurance Fund
📅 Effective Date
➡ Applicable from 1 April 2026
🎯 Exam-Focused Highlights
• Coverage limit: ₹5 lakh
• Earlier system: Flat premium
• New system: Risk-based premium
• Regulator: RBI / DICGC
• Objective: Stability + Risk discipline
❤1
ITF Q. An Import License can be used by a government to protect domestic industries.
Anonymous Poll
88%
TRUE
13%
FALSE
DRA Q. Non-Banking Financial Companies emerged in the 1960s to cater to underserved segments.
Anonymous Poll
73%
TRUE
27%
FALSE
Forwarded from Bank Promotions all Banks ️
📢 BANK PROMOTIONS 2026
🏦 Important Banking Topics + Govt Schemes
📚 Complete Exam-Oriented Preparation
🔗 Class Link: https://youtube.com/live/isce9gu4QQg
⏰ Don’t Miss the Rank Booster Session
🏦 Important Banking Topics + Govt Schemes
📚 Complete Exam-Oriented Preparation
🔗 Class Link: https://youtube.com/live/isce9gu4QQg
⏰ Don’t Miss the Rank Booster Session
YouTube
BANK PROMOTIONS | Important Banking Topics & Govt Schemes | All Bank Promotion Exams Preparation
BANK PROMOTIONS | Important Banking Topics & Govt Schemes | All Bank Promotion Exams Preparation
This LIVE Class is specially designed to cover all important banking topics, regulatory updates, and government schemes in a structured and exam-focused manner.…
This LIVE Class is specially designed to cover all important banking topics, regulatory updates, and government schemes in a structured and exam-focused manner.…