CCP Q. Employee and director loans are typically excluded from credit policy considerations.
Anonymous Poll
57%
TRUE
43%
FALSE
📌 Monetary Policy Update in India (2025–Feb 2026)
🔹 Policy Shift
RBI moved from tight monetary policy (inflation control phase) to a calibrated easing approach in 2025 to support economic growth.
🔹 Current Policy Stance
🧭 Stance: Neutral (data-dependent approach).
RBI ready to act based on inflation and growth trends.
🔹 Key Policy Rate
💰 Repo Rate: 5.25% (Feb 2026)
Indicates moderate borrowing cost to balance liquidity and inflation.
🔹 Policy Corridor
📉 Standing Deposit Facility (SDF): Repo – 0.25%
📈 Marginal Standing Facility (MSF): Repo + 0.25%
↔️ Corridor maintained at 50 basis points for liquidity stability.
🔹 Inflation Target Framework
🎯 RBI continues Flexible Inflation Targeting (FIT).
Target CPI Inflation: 4%
Tolerance Band: 2% to 6% (±2%)
🔹 Rate Movement During 2025
RBI implemented gradual 25 bps rate cuts to:
📊 Boost credit demand.
🏭 Support MSMEs and industry.
🏠 Encourage housing and consumption.
🔹 Liquidity Management Tools Used
🔄 Open Market Operations (OMO).
💵 Variable repo/reverse repo auctions.
⚙️ Fine-tuning to maintain adequate banking system liquidity.
🔹 Impact on Banking Sector
📉 Lending rates linked to external benchmarks declined.
📈 Credit growth improved in retail, infrastructure, and priority sectors.
💼 Borrowing became cheaper → improved investment sentiment.
🔹 RBI’s Strategy
⚖️ Balance between growth support and inflation control.
Avoid aggressive cuts to prevent:
Asset bubbles.
Currency volatility.
Financial instability.
🔹 Overall Policy Signal
🔁 Transition from inflation-fighting phase to growth-support phase while maintaining macroeconomic stability.
⭐ Exam-Focused Takeaways
Repo Rate: 5.25%
Inflation Target: 4% ±2%
Stance: Neutral
Policy Trend: Gradual easing with controlled liquidity support
🔹 Policy Shift
RBI moved from tight monetary policy (inflation control phase) to a calibrated easing approach in 2025 to support economic growth.
🔹 Current Policy Stance
🧭 Stance: Neutral (data-dependent approach).
RBI ready to act based on inflation and growth trends.
🔹 Key Policy Rate
💰 Repo Rate: 5.25% (Feb 2026)
Indicates moderate borrowing cost to balance liquidity and inflation.
🔹 Policy Corridor
📉 Standing Deposit Facility (SDF): Repo – 0.25%
📈 Marginal Standing Facility (MSF): Repo + 0.25%
↔️ Corridor maintained at 50 basis points for liquidity stability.
🔹 Inflation Target Framework
🎯 RBI continues Flexible Inflation Targeting (FIT).
Target CPI Inflation: 4%
Tolerance Band: 2% to 6% (±2%)
🔹 Rate Movement During 2025
RBI implemented gradual 25 bps rate cuts to:
📊 Boost credit demand.
🏭 Support MSMEs and industry.
🏠 Encourage housing and consumption.
🔹 Liquidity Management Tools Used
🔄 Open Market Operations (OMO).
💵 Variable repo/reverse repo auctions.
⚙️ Fine-tuning to maintain adequate banking system liquidity.
🔹 Impact on Banking Sector
📉 Lending rates linked to external benchmarks declined.
📈 Credit growth improved in retail, infrastructure, and priority sectors.
💼 Borrowing became cheaper → improved investment sentiment.
🔹 RBI’s Strategy
⚖️ Balance between growth support and inflation control.
Avoid aggressive cuts to prevent:
Asset bubbles.
Currency volatility.
Financial instability.
🔹 Overall Policy Signal
🔁 Transition from inflation-fighting phase to growth-support phase while maintaining macroeconomic stability.
⭐ Exam-Focused Takeaways
Repo Rate: 5.25%
Inflation Target: 4% ±2%
Stance: Neutral
Policy Trend: Gradual easing with controlled liquidity support
❤1
CCP Q. WTO members must follow national treatment after goods enter their market.
Anonymous Poll
88%
TRUE
13%
FALSE
TIRM Q. Shares must always be issued in physical certificate form to be valid.
Anonymous Poll
42%
TRUE
58%
FALSE
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
CCP Q. Inventory holding period can be broken down into raw material, WIP, and finished goods periods.
Anonymous Poll
88%
TRUE
13%
FALSE
Macroeconomic & Policy Reforms – Latest Banking Updates (India, 2026)
🏛️ High-Level Committee on Banking (Viksit Bharat)
• Union Budget 2026-27 proposed a High-Level Committee to review the entire banking ecosystem
• Focus areas: structure of banks, efficiency, financial inclusion, risk management, consumer protection, and future readiness
• Objective: align banking reforms with Viksit Bharat 2047 vision
🌍 Proposed Increase in Foreign Investment in PSBs
• Government considering raising FDI limit in Public Sector Banks from 20% to 49%
• Aim: strengthen capital base of PSBs and support long-term credit growth
• Decision subject to RBI approval and policy safeguards
• Existing private bank FDI cap remains up to 74% (with conditions)
💰 Capital Market & Investment Reforms
• Simplification of Foreign Exchange Management (Non-Debt Instruments) Rules to improve ease of foreign investment
• Expansion of market-making and derivative instruments to deepen corporate bond markets
• Incentives for large municipal bond issuances above ₹1,000 crore to fund urban infrastructure
• Enhanced participation limits for Persons Resident Outside India (PROI) in equity markets
📊 Macroeconomic Stability Backing Reforms
• Strong GDP growth outlook supporting banking sector expansion
• Emphasis on fiscal discipline, inflation control, and investment-led growth
• Banking reforms positioned as enablers of sustainable credit flow to productive sectors
🎯 Core Policy Objectives
• 💼 Capital strengthening of banks
• 🏦 Improved efficiency and governance
• 🌱 Financial inclusion with systemic stability
• 🌐 Greater global integration of Indian banking and financial markets
🏛️ High-Level Committee on Banking (Viksit Bharat)
• Union Budget 2026-27 proposed a High-Level Committee to review the entire banking ecosystem
• Focus areas: structure of banks, efficiency, financial inclusion, risk management, consumer protection, and future readiness
• Objective: align banking reforms with Viksit Bharat 2047 vision
🌍 Proposed Increase in Foreign Investment in PSBs
• Government considering raising FDI limit in Public Sector Banks from 20% to 49%
• Aim: strengthen capital base of PSBs and support long-term credit growth
• Decision subject to RBI approval and policy safeguards
• Existing private bank FDI cap remains up to 74% (with conditions)
💰 Capital Market & Investment Reforms
• Simplification of Foreign Exchange Management (Non-Debt Instruments) Rules to improve ease of foreign investment
• Expansion of market-making and derivative instruments to deepen corporate bond markets
• Incentives for large municipal bond issuances above ₹1,000 crore to fund urban infrastructure
• Enhanced participation limits for Persons Resident Outside India (PROI) in equity markets
📊 Macroeconomic Stability Backing Reforms
• Strong GDP growth outlook supporting banking sector expansion
• Emphasis on fiscal discipline, inflation control, and investment-led growth
• Banking reforms positioned as enablers of sustainable credit flow to productive sectors
🎯 Core Policy Objectives
• 💼 Capital strengthening of banks
• 🏦 Improved efficiency and governance
• 🌱 Financial inclusion with systemic stability
• 🌐 Greater global integration of Indian banking and financial markets
CCP Q. The loan policy should not dictate terms for lending to NBFCs as they are regulated separately by RBI.
Anonymous Poll
50%
TRUE
50%
FALSE
TIRM Q. Forward contracts are standardized and traded on organized exchanges.
Anonymous Poll
82%
TRUE
18%
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
55%
TRUE
45%
FALSE
❤1
KYC/AML Q. The EU AML directives remain static and unchanged since their first issuance in 1990.
Anonymous Poll
67%
TRUE
33%
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
80%
TRUE
20%
FALSE
CCP Q. In multiple banking, each bank holds security independently and performs its own credit assessment.
Anonymous Poll
93%
TRUE
7%
FALSE
CCP Q. Cash credit, overdraft, and term loans are classified under the basic types of bank credit facilities.
Anonymous Poll
94%
TRUE
6%
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
71%
TRUE
29%
FALSE