IIBF CERTIFICATION 2025 DAILY UPDATES
4.41K subscribers
281 photos
7 videos
46 files
1.43K links
KYC/AML, Debt Recovery Agent, Prevention of Cyber Crime and Fraud Management, MSME, Digital Banking, certified Credit Professional.
Download Telegram
CCP Q. Banks should not use credit balances in collection accounts to repay other facilities if their exposure is less than 10%.
Anonymous Poll
77%
TRUE
23%
FALSE
KYC/AML Q. Commodity markets deal exclusively in agricultural goods.
Anonymous Poll
63%
TRUE
37%
FALSE
TIRM Q. Debentures are governed by company law and transferable only by registration.
Anonymous Poll
85%
TRUE
15%
FALSE
ITF Q. Payment gateway charges are deducted before remittance reaches the exporter in e-commerce trade.
Anonymous Poll
89%
TRUE
11%
FALSE
DRA Q. Loan agreements of NBFCs must exclude the customer's right to grievance redressal.
Anonymous Poll
63%
TRUE
37%
FALSE
KYC/AML Q. Legitimate businesses are never involved in laundering or commingling illicit funds.
Anonymous Poll
68%
TRUE
32%
FALSE
1
TIRM Q. Equity shareholders enjoy voting rights and may receive dividends depending on company profits.
Anonymous Poll
95%
TRUE
5%
FALSE
KYC/AML Q. Failing to prevent money laundering can attract regulatory penalties and reputational harm for banks.
Anonymous Poll
100%
TRUE
0%
FALSE
TIRM Q. SEBI mandates CP issuance only in physical form for corporates.
Anonymous Poll
59%
TRUE
41%
FALSE
ITF Q. Merchanting trade is regulated in India under RBI-issued guidelines.
Anonymous Poll
100%
TRUE
0%
FALSE
COMPLIANCE Q. PFRDA was established before SEBI to regulate pension schemes.
Anonymous Poll
59%
TRUE
41%
FALSE
ITF Q. GATT only focused on tariff barriers, not non-tariff barriers.
Anonymous Poll
64%
TRUE
36%
FALSE
CCP Q. The Cash Budget method is especially suited for seasonal businesses like fireworks or agriculture.
Anonymous Poll
76%
TRUE
24%
FALSE
🎯 PMJJBY Part 2 – One Video, Full Clarity
✔️ ₹2 lakh death benefit
✔️ Low-cost social security scheme
✔️ Exam-ready explanation
▶️ https://youtube.com/shorts/hBy9qADMGn4
🟢 RBI Liquidity Operations & Market Impact – Short Note

Reserve Bank of India actively managed liquidity to balance rupee stability and banking system liquidity amid global volatility.

🔹 FX Buy–Sell Swaps
RBI conducted USD 2 billion+ FX buy–sell swaps
📌 Purpose: Offset rupee liquidity absorbed due to spot dollar sales
💡 Acts as a non-interest rate liquidity tool.

🔹 Spot Dollar Intervention
RBI sold dollars in the spot market to check sharp rupee depreciation.
⚠️ Impact: Rupee liquidity absorption from the banking system.

🔹 Liquidity Impact
Banking system liquidity had moved into deficit (~₹6,000 crore)
🔄 FX swaps re-injected rupee liquidity, preventing funding stress.

🏦 Reduced banks’ dependence on MSF.

🔹 Market Effects
📉
Dollar forward premiums softened, lowering hedging cost for importers
📊 Short-term money market rates aligned closer to repo rate.
🧘 Maintained orderly market conditions without changing policy rates.

🔹 Policy Significance
🧰 Reflects RBI’s multi-tool liquidity framework
(FX swaps + LAF)
🎯 Ensures currency management without disturbing credit flow.
RBI does not target a fixed exchange rate, only market stability.

🔔 Key Limits / Rates to Remember
MSF Rate: Repo Rate + 25 bp
L
iquidity deficit observed: ~₹6,000 crore
FX
swap size: USD 2 billion+

📝 Exam Focus
Spo
t dollar sale = Rupee liquidity
FX buy–sell swap = Rupee liquidity
FX swaps = Liquidity management tool, not a rate tool
CCP Q. The credit acquisition strategy can be organic or inorganic based on asset sourcing methods.
Anonymous Poll
76%
TRUE
24%
FALSE
KYC/AML Q. Correspondent banks are not required to assess AML systems of respondent banks under FATF rules.
Anonymous Poll
44%
TRUE
56%
FALSE