INDIAN BANKING RADAR (IBR) - IBPS PO MAINS — BANKING INTELLIGENCE MOCK

INDIAN BANKING RADAR (IBR)

IBPS PO MAINS — BANKING INTELLIGENCE MOCK

PLATINUM SERIES 2.0 | VOL. 225

TUESDAY, 10 NOVEMBER 2026

TARGET EXAMINATIONS

IBPS PO Mains • SBI PO • Other Banking Examinations

20 QUESTIONS | 20 MARKS | 15 MINUTES

TOPICS COVERED

RBI Foreign Liabilities and Assets Census • NBFC Sectoral Credit Deployment • Priority Sector Lending Reforms • Technical Consultative Committee for Financial Markets • RBI Liquidity Management

SECTION I — ADVANCED BANKING INTELLIGENCE MCQs

Q1. The RBI's Foreign Liabilities and Assets (FLA) Census 2025–26 covers cross-border financial positions of which Indian entities?

A. Companies, LLPs, AIFs and partnership firms having inward and/or outward direct investment

B. Only scheduled commercial banks

C. Only listed companies having foreign subsidiaries

D. Only government-owned enterprises

E. Only mutual funds and insurance companies

Q2. According to the RBI's FLA Census 2025–26, approximately what percentage of Indian entities reporting FDI and/or ODI were unlisted as at end-March 2026?

A. 75%

B. 97%

C. 85%

D. 90%

E. 95%

Q3. What percentage of India's outstanding FDI debt was held by unlisted companies at end-March 2026?

A. 50.1%

B. 75.0%

C. 96.6%

D. 90.0%

E. 45.0%

Q4. The ratio of inward FDI to outward direct investment (ODI), in rupee terms, moderated to what level at end-March 2026?

A. 5.5 times

B. 3.5 times

C. 6.0 times

D. 4.2 times

E. 2.8 times

Q5. Which country was the largest source of India's outstanding FDI at end-March 2026, according to the RBI?

A. Mauritius

B. Singapore

C. United Kingdom

D. United Arab Emirates

E. United States of America

Q6. Which combination correctly identifies the three leading destinations of India's Overseas Direct Investment (ODI) in the FLA Census 2025–26?

A. Singapore, United Arab Emirates and United States of America

B. Mauritius, United Kingdom and Japan

C. United States, Germany and France

D. Singapore, Mauritius and United Kingdom

E. UAE, Japan and Australia

Q7. Which sector accounted for the highest share of outstanding FDI equity capital at market value in India at end-March 2026?

A. Services

B. Manufacturing

C. Construction

D. Agriculture

E. Telecommunications

Q8. Why can changes in outstanding foreign assets and liabilities reported in the FLA Census differ from the corresponding flows recorded in India's Balance of Payments statistics?

A. The FLA Census excludes all foreign investments

B. Balance of Payments records only government transactions

C. Outstanding positions also reflect valuation changes arising from price and exchange-rate movements

D. The FLA Census excludes portfolio investment

E. Balance of Payments excludes all foreign currency transactions

Q9. According to the RBI's September 2026 data, the year-on-year growth in overall credit extended by NBFCs was:

A. 13.3%

B. 17.8%

C. 21.9%

D. 15.4%

E. 10.2%

Q10. NBFC credit to agriculture and allied activities registered what year-on-year growth in September 2026?

A. 7.4%

B. 13.3%

C. 15.4%

D. 21.9%

E. 17.8%

Q11. Industrial credit growth by NBFCs declined to what level in September 2026, compared with 10.2% in September 2025?

A. 7.4%

B. 17.3%

C. 21.9%

D. 15.4%

E. 11.9%

Q12. NBFC credit growth in the services sector moderated to what level in September 2026, compared with 23% a year earlier?

A. 7.4%

B. 17.3%

C. 21.9%

D. 15.4%

E. 10.2%

Q13. Retail loan growth by NBFCs accelerated to what level in September 2026, compared with 16.8% in September 2025?

A. 15.4%

B. 17.8%

C. 21.9%

D. 17.3%

E. 7.4%

Q14. The sample used for RBI's September 2026 NBFC sectoral credit data accounted for approximately what percentage of total credit, with reference to the RBI's Report on Trend and Progress of Banking in India 2024–25?

A. 60%

B. 75%

C. 80%

D. 87%

E. 95%

Q15. On 5 November 2026, the RBI released draft consolidated Priority Sector Lending Directions for how many categories of regulated entities?

A. Three

B. Four

C. Six

D. Seven

E. Five

Q16. What was the last date prescribed by the RBI for submission of comments on the draft consolidated PSL Directions?

A. 26 November 2026

B. 15 November 2026

C. 30 November 2026

D. 5 December 2026

E. 31 December 2026

Q17. Who chairs the RBI's Technical Consultative Committee for Financial Markets (TCCFM)?

A. RBI Governor

B. Deputy Governor in charge of the Financial Markets Regulation Department

C. Finance Secretary

D. SEBI Chairperson

E. RBI Executive Director in charge of Banking Regulation

Q18. The RBI has stipulated that meetings of the TCCFM will be convened:

A. Once every month

B. Once every six months

C. At least once a quarter

D. Once every financial year

E. Only during financial market emergencies

Q19. In the four-day Variable Rate Repo (VRR) auction conducted on 9 November 2026, how much did the RBI allot against the notified amount of ₹50,000 crore?

A. ₹25,000 crore

B. ₹40,000 crore

C. ₹50,000 crore

D. ₹50,003 crore

E. ₹62,872 crore

Q20. What was the weighted average rate in the RBI's four-day VRR auction held on 9 November 2026?

A. 5.25%

B. 5.40%

C. 5.49%

D. 5.51%

E. 5.54%

SECTION II — ANSWER KEY

Q1.A

Q2.B

Q3.C

Q4.D

Q5.E

Q6.A

Q7.B

Q8.C

Q9.D

Q10.E

Q11.A

Q12.B

Q13.C

Q14.D

Q15.E

Q16.A

Q17.B

Q18.C

Q19.D

Q20.E

SECTION III — DETAILED EXPLANATIONS

Q1. A — FLA Census coverage: The annual census covers Indian companies, limited liability partnerships, alternative investment funds and partnership firms having inward and/or outward direct investment.

Q2. B — 97%: Approximately 97% of Indian entities reporting FDI and/or ODI were unlisted at end-March 2026.

Q3. C — 96.6%: Unlisted companies held 96.6% of India's outstanding FDI debt. However, listed and unlisted companies had almost equal shares in total FDI equity capital at market value.

Q4. D — 4.2 times: The inward FDI-to-ODI ratio moderated to 4.2 times in rupee terms at end-March 2026, compared with 5.5 times a year earlier.

Q5. E — United States: The USA was the largest source of outstanding FDI at 16.5%, followed by Mauritius (14.5%), Singapore (13.7%) and the United Kingdom (10.8%).

Q6. A — Singapore, UAE and USA: These three countries were the leading destinations of India's ODI and together accounted for more than 50% of the total share.

Q7. B — Manufacturing: Manufacturing accounted for 50.1% of outstanding FDI equity capital at market value, while services accounted for 45%.

Q8. C — Valuation changes: Changes in outstanding foreign assets and liabilities reflect both financial transactions and valuation changes caused by movements in market prices and exchange rates. Hence, they may differ from BoP investment flows.

Q9. D — 15.4%: Overall NBFC credit growth increased to 15.4% in September 2026, compared with 13.3% in September 2025.

Q10. E — 17.8%: Credit to agriculture and allied activities grew by 17.8% year-on-year, compared with 5.2% in September 2025.

Q11. A — 7.4%: Industrial credit growth declined to 7.4% from 10.2% a year earlier. Infrastructure credit growth remained subdued.

Q12. B — 17.3%: Services-sector credit growth moderated to 17.3% from 23% in September 2025. Commercial real estate recorded buoyant expansion.

Q13. C — 21.9%: Retail credit growth accelerated to 21.9% from 16.8%. Housing loans, loans against gold jewellery and vehicle loans recorded accelerated growth.

Q14. D — 87%: The sample comprised NBFCs in the Upper and Middle Layers and Housing Finance Companies, representing approximately 87% of total credit against the reference coverage specified by RBI.

Q15. E — Five categories: The five separate draft directions cover Commercial Banks, Small Finance Banks, Local Area Banks, Regional Rural Banks and Urban Co-operative Banks.

Q16. A — 26 November 2026: RBI invited comments through its Connect 2 Regulate facility or the designated email channel on or before 26 November 2026.

Q17. B — Deputy Governor in charge of FMRD: The TCCFM is chaired by the RBI Deputy Governor in charge of the Financial Markets Regulation Department.

Q18. C — At least once a quarter: The RBI has prescribed that the committee's meetings will be convened at least once every quarter.

Q19. D — ₹50,003 crore: Against a notified amount of ₹50,000 crore, the RBI allotted ₹50,003 crore in the four-day VRR auction on 9 November 2026.

Q20. E — 5.54%: The weighted average rate was 5.54%. The cut-off rate was 5.51%, while total bids received amounted to ₹62,872 crore.

SECTION IV — QUICK REVISION CAPSULE

1. FLA Census 2025–26: Provisional results released on 6 November 2026.

2. FLA Census coverage: FDI, ODI, portfolio and other investments.

3. Unlisted reporting entities: Approximately 97%.

4. Unlisted companies' share in outstanding FDI debt: 96.6%.

5. Inward FDI-to-ODI ratio: 4.2 times.

6. Largest source of outstanding FDI: USA (16.5%).

7. Top ODI destinations: Singapore, UAE and USA.

8. Manufacturing share in FDI equity at market value: 50.1%.

9. Services share in FDI equity at market value: 45%.

10. Other investment liabilities growth: 11.9%.

11. Other investment assets growth: 16.1%.

12. Overall NBFC credit growth: 15.4%.

13. NBFC agriculture credit growth: 17.8%.

14. NBFC industrial credit growth: 7.4%.

15. NBFC services credit growth: 17.3%.

16. NBFC retail credit growth: 21.9%.

17. Draft PSL Directions: Five categories of regulated entities.

18. PSL feedback deadline: 26 November 2026.

19. TCCFM Chairperson: RBI Deputy Governor in charge of FMRD; meetings at least quarterly.

20. RBI VRR auction, 9 November: ₹50,000 crore notified; ₹50,003 crore allotted; weighted average rate 5.54%.

SECTION V — IBR READER ENGAGEMENT

TEST YOUR BANKING INTELLIGENCE. STRENGTHEN YOUR EXAM READINESS.

- Attempt all 20 questions within 15 minutes.

- Award one mark for each correct answer.

- Review the detailed explanations.

- Revise the Quick Revision Capsule.

- Share your score and identify areas requiring further preparation.

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