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
DRA Q. NBFCs may auction pledged gold without informing the customer in advance.
Anonymous Poll
32%
TRUE
68%
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
19%
TRUE
81%
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
89%
TRUE
11%
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.…
Forwarded from Bank Promotions all Banks ️
🚨 Today at 11:15 AM Sharp
📘 Consumer Protection Act 2019 Explained for Bankers
⚖️ CPA 2019 – Banking Impact | Exam + Practical Approach
https://youtu.be/7rqUJ_K326Y
📘 Consumer Protection Act 2019 Explained for Bankers
⚖️ CPA 2019 – Banking Impact | Exam + Practical Approach
https://youtu.be/7rqUJ_K326Y
YouTube
Consumer Protection Act 2019 Explained for Bankers | CPA 2019 Banking Impact
Consumer Protection Act 2019 Explained for Bankers | CPA 2019 Banking Impact
In this video, we discuss the Consumer Protection Act 2019 in very simple and practical language from a banker’s point of view. This session is specially designed for Bank Promotion…
In this video, we discuss the Consumer Protection Act 2019 in very simple and practical language from a banker’s point of view. This session is specially designed for Bank Promotion…
Forwarded from IIBF CERTIFICATION 2025 DAILY UPDATES
💳🆓 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…