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

🔥 PLATINUM SERIES 2.0 | VOL. 202

📅 18 OCTOBER 2026 | SUNDAY

🎯 TARGET: IBPS PO • SBI PO • IBPS RRB

📝 20 QUESTIONS | 20 MARKS

⏱️ TIME LIMIT: 20 MINUTES

❌ NEGATIVE MARKING: 0.25 PER WRONG ANSWER

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📘 SECTION 1: ADVANCED MOCK TEST

Q1. SEBI’s Credit Risk-o-Meter was introduced as an additional disclosure mechanism for:

A. Equity shares

B. Bank fixed deposits

C. Sovereign gold bonds

D. Mutual fund SIPs

E. Debt securities

Q2. SEBI’s Project Jagrook includes investor-awareness messages displayed by stock brokers on their:

A. Loan sanction letters

B. Credit appraisal reports

C. Trading apps and websites

D. Bank passbooks

E. Insurance policies

Q3. Under the Basel III Net Stable Funding Ratio (NSFR) framework, the ratio compares:

A. Net profit with total assets

B. Non-performing assets with total advances

C. Insured deposits with total deposits

D. Available Stable Funding with Required Stable Funding

E. Cash withdrawals with total deposits

Q4. A bank has Available Stable Funding (ASF) of ₹900 crore and Required Stable Funding (RSF) of ₹750 crore. Its NSFR is:

A. 75%

B. 90%

C. 100%

D. 110%

E. 120%

Q5. Under the Basel III Liquidity Coverage Ratio (LCR) framework, the standard liquidity stress period is:

A. 30 calendar days

B. 7 calendar days

C. 60 calendar days

D. 90 calendar days

E. 180 calendar days

Q6. A bank has eligible regulatory capital of ₹1,200 crore and risk-weighted assets of ₹10,000 crore. Its capital adequacy ratio is:

A. 8%

B. 12%

C. 10%

D. 15%

E. 20%

Q7. A term-loan instalment remains overdue for 95 days. Assuming the applicable regulatory conditions are satisfied, the account would generally be classified as:

A. A standard asset

B. A liquid asset

C. A Non-Performing Asset (NPA)

D. A capital asset

E. A performing asset without overdue

Q8. The maximum DICGC deposit-insurance cover is generally available per depositor, per bank, in the same right and capacity, including principal and interest, up to:

A. ₹1 lakh

B. ₹2 lakh

C. ₹3 lakh

D. ₹5 lakh

E. ₹10 lakh

Q9. Which electronic platform facilitates financing and discounting of eligible trade receivables, particularly for MSMEs:

A. CKYCR

B. NEFT

C. NDS-OM

D. TReDS

E. CERSAI

Q10. Other things remaining constant, when market yields rise, the market price of an existing fixed-rate bond generally:

A. Rises proportionately

B. Remains unchanged

C. Doubles

D. Always equals its face value

E. Falls

Q11. The Expected Credit Loss (ECL) approach to impairment primarily focuses on:

A. Expected credit losses using relevant information, including forward-looking information

B. Only losses already written off

C. Only collateral value at loan sanction

D. Only annual operating profit

E. Only the age of the borrower

Q12. The principal objective of Priority Sector Lending (PSL) guidelines is to:

A. Restrict lending exclusively to large corporations

B. Eliminate agricultural lending

C. Improve credit flow to specified priority sectors

D. Replace all bank loans with government grants

E. Restrict all lending to secured loans

Q13. Priority Sector Lending Certificates (PSLCs) enable eligible banks to:

A. Transfer ownership of bank branches

B. Transfer customer deposits

C. Replace the CRR requirement

D. Trade eligible PSL achievement without transferring the underlying loans

E. Issue insurance policies

Q14. A bank earns interest income of ₹150 crore and incurs interest expenses of ₹60 crore. Its average interest-earning assets are ₹1,500 crore. Its Net Interest Margin (NIM) is:

A. 3%

B. 6%

C. 4%

D. 5%

E. 8%

Q15. The Cash Reserve Ratio (CRR) requires banks to maintain prescribed cash balances with:

A. NABARD

B. SEBI

C. DICGC

D. Ministry of Finance

E. Reserve Bank of India

Q16. A customer discovers an unauthorised digital banking transaction. The most appropriate immediate response is to:

A. Notify the bank through official channels and report the fraud through 1930 or the official cybercrime portal

B. Wait for the monthly statement

C. Share the OTP with the caller

D. Delete all transaction alerts

E. Pay a recovery agent who guarantees reimbursement

Q17. A bank has current-account deposits of ₹1,600 crore, savings-account deposits of ₹2,400 crore and total deposits of ₹20,000 crore. Its CASA ratio is:

A. 12%

B. 20%

C. 16%

D. 25%

E. 30%

Q18. A bank has total advances of ₹12,000 crore and total deposits of ₹15,000 crore. Its Credit-Deposit Ratio is:

A. 60%

B. 70%

C. 90%

D. 80%

E. 100%

Q19. A conventional repo transaction enables an eligible bank to obtain short-term funds by:

A. Issuing ordinary equity shares

B. Accepting an unsecured donation

C. Converting deposits into capital

D. Writing off outstanding borrowings

E. Borrowing through a transaction involving the sale and repurchase of securities

Q20. Which of the following is an eligible asset category under the traditional Statutory Liquidity Ratio (SLR) framework, subject to applicable RBI requirements:

A. Unsecured personal loans

B. Equity shares of any company

C. Unpaid trade invoices

D. Intangible assets

E. Eligible government securities

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🔐 SECTION 2: ANSWER KEY

Q1. E

Q2. C

Q3. D

Q4. E

Q5. A

Q6. B

Q7. C

Q8. D

Q9. D

Q10. E

Q11. A

Q12. C

Q13. D

Q14. B

Q15. E

Q16. A

Q17. B

Q18. D

Q19. E

Q20. E

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📖 SECTION 3: QUICK EXPLANATIONS

Q1. E — Debt securities

The Credit Risk-o-Meter was introduced as an additional disclosure mechanism for debt securities.

Q2. C — Trading apps and websites

Project Jagrook includes investor-awareness messages on stock brokers’ digital platforms.

Q3. D — ASF compared with RSF

NSFR = Available Stable Funding ÷ Required Stable Funding × 100. The general minimum is 100%, subject to the applicable regulatory framework.

Q4. E — 120%

NSFR = ₹900 crore ÷ ₹750 crore × 100 = 120%.

Q5. A — 30 calendar days

LCR assesses whether a bank has sufficient eligible high-quality liquid assets to cover prescribed net cash outflows over a 30-day stress period.

Q6. B — 12%

Capital adequacy ratio = ₹1,200 crore ÷ ₹10,000 crore × 100 = 12%.

Q7. C — NPA

A term loan generally becomes an NPA when principal or interest remains overdue for more than 90 days, subject to applicable regulatory conditions.

Q8. D — ₹5 lakh

DICGC insurance is generally limited to ₹5 lakh per depositor, per bank, in the same right and capacity, including principal and interest.

Q9. D — TReDS

TReDS facilitates financing and discounting of eligible trade receivables through participating financiers.

Q10. E — Falls

Bond prices generally move inversely to market yields.

Q11. A — Expected credit losses

ECL uses relevant information, including forward-looking information, to estimate credit losses.

Q12. C — Credit to specified priority sectors

PSL aims to improve credit availability to designated sectors under applicable RBI guidelines.

Q13. D — Trading PSL achievement

PSLCs enable eligible banks to trade priority-sector lending achievement without transferring the underlying loans.

Q14. B — 6%

Net interest income = ₹150 crore − ₹60 crore = ₹90 crore.

NIM = ₹90 crore ÷ ₹1,500 crore × 100 = 6%.

Q15. E — RBI

CRR is maintained as prescribed cash balances with the Reserve Bank of India.

Q16. A — Notify and report

Contact the bank through official channels immediately and report cyber financial fraud through 1930 or the official cybercrime reporting portal. Never share OTPs, PINs or passwords.

Q17. B — 20%

CASA = ₹1,600 crore + ₹2,400 crore = ₹4,000 crore.

CASA ratio = ₹4,000 crore ÷ ₹20,000 crore × 100 = 20%.

Q18. D — 80%

Credit-Deposit Ratio = ₹12,000 crore ÷ ₹15,000 crore × 100 = 80%.

Q19. E — Sale and repurchase of securities

A conventional repo is a collateralised funding transaction structured around the sale and repurchase of securities.

Q20. E — Eligible government securities

Eligible government securities are among the traditional SLR asset categories, subject to applicable requirements.

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⚠️ SECTION 4: HIGH-VALUE EXAM TRAPS

🔹 LCR vs NSFR: Short-term liquidity resilience vs stable funding.

🔹 CRR vs SLR: Prescribed cash balances with RBI vs prescribed liquid assets.

🔹 CASA ratio: Current and savings deposits ÷ total deposits × 100.

🔹 Credit-Deposit Ratio: Total advances ÷ total deposits × 100.

🔹 Bond prices and yields: Generally move in opposite directions.

🔹 PSLC vs TReDS: PSL achievement trading vs receivables financing.

🔹 DICGC: ₹5 lakh ceiling per depositor, per bank, in the same right and capacity.

🔹 Cyber fraud: Contact the bank immediately and use official reporting channels.

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📊 SECTION 5: CHECK YOUR SCORE

✅ Correct answer: +1 mark

❌ Wrong answer: −0.25 mark

➖ Unattempted: 0 marks

Score = Correct answers − (0.25 × wrong answers)

🏆 18–20: Excellent

🌟 16–17.75: Strong performance

📘 13–15.75: Revise weak areas

🛠️ 10–12.75: Strengthen fundamentals

🔄 Below 10: Revisit core concepts

These are IBR practice benchmarks, not official IBPS cut-offs.

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⚡ SECTION 6: 60-SECOND RECALL

📌 Credit Risk-o-Meter → Debt securities

📌 Project Jagrook → Investor awareness

📌 NSFR → ASF ÷ RSF × 100

📌 LCR → 30-day liquidity stress

📌 DICGC → ₹5 lakh insurance ceiling

📌 TReDS → Trade-receivables financing

📌 NIM → Net interest income ÷ average interest-earning assets

📌 CASA → Current and savings deposits

📌 CRR → Prescribed cash balances with RBI

📌 SLR → Prescribed liquid assets

📌 Repo → Collateralised funding transaction

📌 Bond prices → Generally inverse to market yields

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🚀 SECTION 7: YOUR ACTION ZONE

✅ Attempt all 20 questions within 20 minutes.

🧮 Calculate your score honestly.

🔍 Identify conceptual errors and confusing options.

📚 Revise the relevant banking concepts.

📲 Share your score and challenge a fellow aspirant.

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📚 SECTION 8: JOIN IBR PREMIUM

🔥 SIX EXAM-PREPARATION PROGRAMMES

1. IBPS PRELIMS

• Reasoning • Quantitative Aptitude • English

2. IBPS PO MAINS

• Banking Awareness • Financial Intelligence

• Advanced MCQs • Case-Based Questions

3. IBPS AFO

• Agriculture • Rural Development • Agricultural Finance

4. DCCB / PACS

• DCCB Promotion Test Preparation

• Certified PACS Secretary

• PACS-to-DCCB Promotion Test Series

5. JAIIB

• Banking Concepts • Rules • Practical Applications

6. CAIIB

• Advanced Banking • Risk Management • Professional Knowledge

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✅ MCQs with answers and explanations

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Disclaimer: This is an independent educational practice resource and is not an official IBPS publication. Refer to official SEBI, RBI and other applicable regulatory circulars for authoritative requirements.