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

🔥 PLATINUM SERIES 2.0 | VOL. 188

📅 4 OCTOBER 2026 | SUNDAY

🎯 TARGET: IBPS PO • SBI PO • IBPS RRB • RBI • NABARD

⚡ 20 QUESTIONS | 20 MARKS | 15–18 MINUTES

❌ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

🔥 CAN YOU SCORE 18+ WITHOUT LOOKING AT THE ANSWERS?

Attempt today's Intelligence Mock first.

Test your knowledge without checking answers or using shortcuts.

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🔥 TODAY'S INTELLIGENCE FOCUS

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🏦 Monetary Policy Transmission

💧 Repo • SDF • MSF • OMO

🌾 Priority Sector Lending

🏭 MSME Finance

💻 Digital Lending

🤝 Co-Lending

🛡️ Deposit Insurance

⚖️ SARFAESI & Recovery

🏛️ IBC & Insolvency Resolution

💱 Forex Risk & Forward Contracts

🌐 Current Account Transactions

💳 RTGS & Payment Systems

🏦 Business Correspondent Model

📊 Credit Information

💵 Commercial Paper & Certificates of Deposit

🔐 Data Minimisation & Digital Banking

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🔥 SECTION A — INTELLIGENCE TEST

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Q1. A bank faces a temporary liquidity shortage and approaches RBI for funds against eligible securities under a repurchase arrangement. Which facility is most directly applicable:

A. Repo

B. Standing Deposit Facility

C. Open Market Sale

D. Cash Reserve Ratio

E. Bank Rate

Q2. RBI wants to absorb surplus liquidity from eligible banks without requiring them to provide collateral to RBI. Which facility is specifically designed for this purpose:

A. Marginal Standing Facility

B. Standing Deposit Facility

C. Repo Facility

D. Open Market Purchase

E. Bank Rate

Q3. RBI purchases government securities from the market through an open market operation. Assuming other factors remain unchanged, what is the most likely immediate liquidity effect:

A. Liquidity absorption

B. Reduction in bank deposits

C. Liquidity injection

D. Increase in CRR

E. Reduction in currency circulation

Q4. RBI reduces its policy rate, but lending rates of banks decline only partially and with a time lag. Which concept best explains this situation:

A. Sterilisation

B. Capital account convertibility

C. Currency substitution

D. Incomplete monetary policy transmission

E. Fiscal consolidation

Q5. A bank is evaluating whether a proposed agricultural loan can be counted toward its Priority Sector Lending target. Which approach is most appropriate:

A. Every agricultural loan automatically qualifies

B. Only government-guaranteed agricultural loans qualify

C. Only loans to exporters qualify

D. PSL classification depends only on the borrower's account type

E. Eligibility depends on the applicable PSL category, activity and prescribed conditions

Q6. A bank is assessing a working-capital proposal from an eligible small enterprise. Besides repayment capacity, the bank must determine whether the activity satisfies the applicable regulatory classification and PSL conditions. Which area is primarily involved:

A. MSME and Priority Sector lending

B. Treasury investment

C. Foreign exchange management

D. Pension fund management

E. Capital-market underwriting

Q7. A digital lender provides a personal loan and is required to communicate the annualised cost of credit to the borrower, incorporating the applicable charges and costs. Which concept is most relevant:

A. Net Interest Margin

B. Annual Percentage Rate

C. Loan-to-Value Ratio

D. Internal Rate of Return

E. Capital Adequacy Ratio

Q8. A bank and an NBFC agree to jointly originate loans under the applicable regulatory framework, with each institution retaining its agreed share of the loan exposure. Which arrangement is being described:

A. Securitisation

B. Factoring

C. Co-lending

D. Loan syndication

E. Credit enhancement

Q9. A depositor wants to know the statutory institution responsible for deposit insurance coverage for deposits maintained with an insured bank, subject to the applicable limit and conditions. Which institution is relevant:

A. NABARD

B. SIDBI

C. SEBI

D. DICGC

E. PFRDA

Q10. A secured lender seeks to enforce its security interest against secured assets after borrower default, subject to statutory conditions and procedures. Which legislation provides the principal framework:

A. FEMA

B. Banking Regulation Act

C. Insolvency and Bankruptcy Code

D. Payment and Settlement Systems Act

E. SARFAESI Act

Q11. A corporate borrower defaults on its obligations and enters a formal insolvency-resolution process intended to maximise value through a time-bound framework. Which legislation provides the principal framework:

A. Insolvency and Bankruptcy Code

B. SARFAESI Act

C. FEMA

D. Negotiable Instruments Act

E. DICGC Act

Q12. An Indian importer knows that it will need US dollars after three months and wants to reduce uncertainty arising from future exchange-rate movements. Which instrument is most directly suitable for this purpose:

A. Treasury Bill

B. Forward foreign-exchange contract

C. Certificate of Deposit

D. Commercial Paper

E. Call Money

Q13. A resident makes a permitted payment to a foreign service provider for an ordinary international service transaction. Subject to FEMA provisions, such a transaction is generally classified as:

A. Capital account transaction

B. Contingent liability

C. Current account transaction

D. Monetary sterilisation

E. Balance-sheet adjustment

Q14. A customer sends funds through a payment system in which eligible transactions are settled individually and continuously on a real-time basis rather than being netted at periodic intervals. Which system is being described:

A. NEFT

B. IMPS

C. NACH

D. RTGS

E. CTS

Q15. A bank wants to extend basic banking services to customers in underserved areas through an authorised local intermediary acting on behalf of the bank. Which model is most directly relevant:

A. Universal Banking Model

B. Lead Bank Model

C. Correspondent Banking Model

D. Merchant Banking Model

E. Business Correspondent Model

Q16. Before sanctioning a fresh loan, a bank obtains information from a credit information company about the applicant's existing borrowings and repayment behaviour. What is the principal objective:

A. Assessing existing credit exposure and repayment history

B. Determining the bank's CRR

C. Calculating the RBI policy rate

D. Measuring foreign-exchange reserves

E. Determining statutory liquidity requirements

Q17. An eligible corporate issuer raises short-term funds through an unsecured money-market instrument, subject to the applicable regulatory conditions. Which instrument is being described:

A. Treasury Bill

B. Commercial Paper

C. Certificate of Deposit

D. Government Security

E. Cash Management Bill

Q18. An eligible bank raises short-term funds by issuing a negotiable money-market instrument to investors. Which instrument is primarily associated with this form of bank funding:

A. Commercial Paper

B. Treasury Bill

C. Certificate of Deposit

D. Equity Share

E. Preference Share

Q19. A bank has ₹8,000 crore of eligible liabilities for CRR purposes. If the applicable CRR is 4%, what amount is required to be maintained as CRR, ignoring other adjustments:

A. ₹240 crore

B. ₹280 crore

C. ₹300 crore

D. ₹320 crore

E. ₹400 crore

Q20. A digital lending application seeks access to a customer's contacts, call history and other information that is not required for providing the loan service. Which principle most directly supports restricting such collection:

A. Unlimited data retention

B. Automatic third-party data sharing

C. Permanent storage

D. Collection without consent

E. Data minimisation and need-based collection

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🗝️ ANSWER KEY

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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

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🚀 IBR PREMIUM — 90 DAYS UNLIMITED MOCK TESTS

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🔥 REGISTER IN IBR PREMIUM SECTION

🎁 90 DAYS UNLIMITED MOCK TESTS

📚 MOCK TESTS FOR:

🎯 IBPS Prelims

🏦 IBPS PO Mains

🌾 IBPS AFO

🏛️ DCCB & PACS Exams

📘 JAIIB

🎓 CAIIB

👉 Register with your Email ID or Google account.

🔥 ONE PREMIUM SECTION.

🔥 SIX EXAM CATEGORIES.

🔥 90 DAYS OF UNLIMITED MOCK PRACTICE.

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📢 STOP! CHECK YOUR SCORE

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Before reading the revision:

📝 Calculate your score.

🔍 Identify your TOP 2 weak areas.

🎯 Ask yourself:

Conceptual error or careless error?

📌 YOUR SCORE: ____ / 20

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🧠 IBR QUICK REVISION

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1. REPO

RBI provides liquidity to eligible entities against eligible securities under the repo framework.

🎯 REPO → LIQUIDITY INJECTION

2. SDF

Standing Deposit Facility allows eligible banks to park funds with RBI without providing collateral.

🎯 SDF → LIQUIDITY ABSORPTION

3. OMO

RBI purchase of government securities generally injects liquidity, while sale generally absorbs liquidity, other things remaining equal.

🎯 OMO PURCHASE → LIQUIDITY INJECTION

4. MONETARY TRANSMISSION

Changes in policy rates influence lending and deposit rates, but transmission may be incomplete or delayed.

🎯 POLICY RATE → BANKING RATES

5. PSL

Priority Sector Lending covers specified sectors and activities subject to RBI's applicable eligibility conditions and targets.

🎯 PSL → SPECIFIED SECTORS + CONDITIONS

6. MSME

MSME lending requires assessment of borrower eligibility, activity, repayment capacity, working-capital needs and applicable regulatory classification.

🎯 MSME → PRODUCTIVE CREDIT

7. APR

Annual Percentage Rate communicates the annualised cost of digital credit, incorporating applicable charges as prescribed.

🎯 APR → ANNUALISED CREDIT COST

8. CO-LENDING

Co-lending involves eligible regulated entities jointly providing credit under the applicable regulatory framework, with agreed sharing of exposure.

🎯 CO-LENDING → SHARED CREDIT EXPOSURE

9. DICGC

Deposit Insurance and Credit Guarantee Corporation provides deposit insurance subject to the applicable statutory limit and conditions.

🎯 DICGC → DEPOSIT INSURANCE

10. SARFAESI

SARFAESI provides eligible secured creditors a statutory mechanism for enforcement of security interests, subject to prescribed conditions.

🎯 SARFAESI → SECURITY ENFORCEMENT

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🏆 5-MINUTE POST-MOCK ANALYSIS

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📌 SCORE: ____ / 20

📌 WRONG: ____

📌 UNATTEMPTED: ____

📌 CONCEPTUAL ERRORS: ____

📌 CARELESS ERRORS: ____

🎯 TOP 2 WEAK AREAS:

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📊 SCORE GUIDE

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🔥 18–20 → EXCELLENT COMMAND

🟢 16–17 → STRONG

🟡 13–15 → REVISE WEAK AREAS

🟠 10–12 → CONCEPT REVISION REQUIRED

🔴 BELOW 10 → STRENGTHEN CORE CONCEPTS

🎯 IBR PRACTICE TARGET: 18+

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🚀 YOUR NEXT STEP — IBR PREMIUM

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🔥 REGISTER IN IBR PREMIUM

🎁 90 DAYS UNLIMITED MOCK TESTS

🎯 IBPS Prelims

🏦 IBPS PO Mains

🌾 IBPS AFO

🏛️ DCCB & PACS Exams

📘 JAIIB

🎓 CAIIB

👉 Register with Email ID or Google account.

DON'T WAIT FOR THE EXAM TO TEST YOUR PREPARATION.

TEST YOURSELF EVERY DAY.

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📢 IBR DAILY PRACTICE CHALLENGE

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🎯 TODAY: Attempt Vol. 188

📝 THEN: Record your score

🔍 NEXT: Identify 2 weak areas

📚 FINALLY: Revise before tomorrow's mock

ONE MOCK A DAY.

ONE SET OF WEAKNESSES LESS.

ONE STEP CLOSER TO EXAM READINESS.

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📲 FOLLOW • SHARE • GROW WITH IBR

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👍 LIKE today's bulletin

🔄 SHARE with your banking-exam friends

📲 FORWARD to your study group

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🔥 FINAL MANTRA

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FACT → RULE → APPLICATION → RISK → CONTROL → EXAM TRAP

🏦 THAT IS THE IBR INTELLIGENCE APPROACH.

🎯 READ SMART • THINK BANKING • ANSWER INTELLIGENTLY

— INDIAN BANKING RADAR (IBR)