IIBF CERTIFICATION 2025 DAILY UPDATES
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KYC/AML, Debt Recovery Agent, Prevention of Cyber Crime and Fraud Management, MSME, Digital Banking, certified Credit Professional.
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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
๐ŸŽฏโœ… PMJJBY Part 2 โ€“ One Video, Full Clarity
โœ”๏ธ โ‚น2 lakh death benefit
โœ”๏ธ Low-cost social security scheme
โœ”๏ธ Exam-ready explanation
โ–ถ๏ธ https://youtube.com/shorts/hBy9qADMGn4
๐ŸŸข RBI Liquidity Operations & Market Impact โ€“ Short Note

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

๐Ÿ”น FX Buyโ€“Sell Swaps
RBI conducted USD 2 billion+ FX buyโ€“sell swaps
๐Ÿ“Œ Purpose: Offset rupee liquidity absorbed due to spot dollar sales
๐Ÿ’ก Acts as a non-interest rate liquidity tool.

๐Ÿ”น Spot Dollar Intervention
RBI sold dollars in the spot market to check sharp rupee depreciation.
โš ๏ธ Impact: Rupee liquidity absorption from the banking system.

๐Ÿ”น Liquidity Impact
Banking system liquidity had moved into deficit (~โ‚น6,000 crore)
๐Ÿ”„ FX swaps re-injected rupee liquidity, preventing funding stress.

๐Ÿฆ Reduced banksโ€™ dependence on MSF.

๐Ÿ”น Market Effects
๐Ÿ“‰
Dollar forward premiums softened, lowering hedging cost for importers
๐Ÿ“Š Short-term money market rates aligned closer to repo rate.
๐Ÿง˜ Maintained orderly market conditions without changing policy rates.

๐Ÿ”น Policy Significance
๐Ÿงฐ Reflects RBIโ€™s multi-tool liquidity framework
(FX swaps + LAF)
๐ŸŽฏ Ensures currency management without disturbing credit flow.
โŒ RBI does not target a fixed exchange rate, only market stability.

๐Ÿ”” Key Limits / Rates to Remember
MSF Rate: Repo Rate + 25 bp
L
iquidity deficit observed: ~โ‚น6,000 crore
FX
swap size: USD 2 billion+

๐Ÿ“ Exam Focus
Spo
t dollar sale = โŒ Rupee liquidity
FX buyโ€“sell swap = โœ… 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
ITF Q. Under WTO, disputes are handled by the Dispute Settlement Body (DSB).
Anonymous Poll
92%
TRUE
8%
FALSE
TIRM Q. The BRICS New Development Bank is intended to fund infrastructure and sustainable development projects.
Anonymous Poll
89%
TRUE
11%
FALSE
๐Ÿงพ๐Ÿ‘ฉโ€๐Ÿ‘ฆ Guardian vs Minor Account โ€“ Rights & Restrictions
โ–ถ๏ธ Video Link: [Watch Session]
โš–๏ธ Natural vs legal guardian
โš–๏ธ Who can sign? Who can withdraw?
https://youtube.com/shorts/C7YofIhRX9k
#LearningSessions
CCP Q. Appraisal formats help ensure that no aspect of credit quality is overlooked during evaluation.
Anonymous Poll
92%
TRUE
8%
FALSE
DRA Q. NBFCs in the Base Layer can never be upgraded to Middle Layer regardless of asset size.
Anonymous Poll
61%
TRUE
39%
FALSE