INDIAN BANKING RADAR (IBR) - IBPS PRELIMS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 181

📅 28 SEPTEMBER 2026 | MONDAY

⚡ DAILY 15-MINUTE PRELIMS INTELLIGENCE TEST

🎯 TARGET: IBPS PO • IBPS Clerk/CSA • RRB

🏦 20 QUESTIONS | 20 MARKS | 15 MINUTES

❌ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

⭕ NO PENALTY FOR UNATTEMPTED QUESTIONS

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Q1. Choose the word that is closest in meaning to “prudent”:

A. Cautious

B. Careless

C. Impulsive

D. Wasteful

E. Hasty

Q2. Banks need to maintain adequate capital ___ unexpected losses:

A. despite

B. against

C. among

D. beyond

E. beside

Q3. Choose the word that is opposite in meaning to “scarce”:

A. Limited

B. Rare

C. Abundant

D. Insufficient

E. Meagre

Q4. Rearrange the following sentences to form a meaningful paragraph:

A. Digital payments have transformed the way customers transact.

B. However, increased digital dependence also creates new risks.

C. Banks therefore need robust cybersecurity and operational controls.

D. Such measures help maintain customer confidence in digital finance.

A. B-A-C-D

B. A-B-C-D

C. A-C-B-D

D. C-A-B-D

E. D-C-B-A

Q5. Identify the grammatically incorrect part. If there is no error, choose E:

The committee has recommended / that banks should strengthen / their cybersecurity systems / to protect customers from emerging threats / No error

A. The committee has recommended

B. that banks should strengthen

C. their cybersecurity systems

D. to protect customers from emerging threats

E. No error

Q6. A bank's deposits increased from ₹2,400 crore to ₹2,760 crore. What was the percentage increase:

A. 15%

B. 12%

C. 18%

D. 20%

E. 10%

Q7. The average of five numbers is 64. If four of the numbers are 48, 57, 71 and 82, what is the fifth number:

A. 60

B. 62

C. 64

D. 66

E. 68

Q8. An amount of ₹1,44,000 is divided among three branches in the ratio 4:5:7. What amount is received by the third branch:

A. ₹36,000

B. ₹40,000

C. ₹48,000

D. ₹56,000

E. ₹60,000

Q9. A bank received 1,500 loan applications. If 60% were approved and 15% of the approved applications were subsequently withdrawn, how many approved applications remained:

A. 765

B. 810

C. 825

D. 900

E. 850

Q10. The number of digital transactions increased from 2,500 lakh to 3,000 lakh. What was the percentage increase:

A. 15%

B. 18%

C. 20%

D. 22%

E. 25%

Q11. Five officers P, Q, R, S and T sit in a row facing north. P sits at the extreme left. Q sits immediately to the right of P. R sits immediately to the right of Q. S sits to the left of T. Who sits at the extreme right:

A. P

B. Q

C. R

D. S

E. T

Q12. A person walks 8 metres north, then 5 metres east and finally 8 metres south. In which direction is the person from the starting point:

A. West

B. East

C. North

D. South

E. North-East

Q13. Consider the following statements:

All mobile banking transactions are electronic transactions.

Some electronic transactions are instant payments.

Conclusions:

I. Some electronic transactions are mobile banking transactions.

II. Some instant payments are electronic transactions.

Which conclusion follows logically:

A. Only conclusion I follows

B. Neither conclusion I nor II follows

C. Both conclusions I and II follow

D. Only conclusion II follows

E. Either conclusion I or II follows

Q14. If each letter in a word is replaced by the letter three positions ahead in the English alphabet, BANK becomes EDQN. Using the same rule, LOAN becomes:

A. ORDQ

B. OQDQ

C. OQCP

D. MQDQ

E. OQBO

Q15. Five branches P, Q, R, S and T are arranged from north to south. S is north of P. P is north of Q. Q is north of R. T is south of R. Which branch is the second-northernmost:

A. P

B. S

C. Q

D. R

E. T

Q16. According to NPCI's August 2026 UPI statistics, approximately how many UPI transactions were processed during the month:

A. 24.51 billion

B. 22.35 billion

C. 23.66 billion

D. 29.82 billion

E. 20.50 billion

Q17. According to the RBI's September 2026 analysis, the Scheduled Commercial Banks' credit-deposit ratio at end-March 2026 was approximately:

A. 76.4%

B. 79.8%

C. 82.2%

D. 85.6%

E. 88.1%

Q18. Which of the following is NOT included as a component of India's foreign-exchange reserves:

A. Gold

B. Foreign Currency Assets

C. Special Drawing Rights

D. Reserve Position in the IMF

E. Domestic Bank Credit

Q19. According to the RBI's September 2026 analysis of private corporate investment, the envisaged capex pipeline for 2026-27 was approximately:

A. ₹1.8 lakh crore

B. ₹2.4 lakh crore

C. ₹2.8 lakh crore

D. ₹3.2 lakh crore

E. ₹4.5 lakh crore

Q20. ST-SAO refinance provided by NABARD primarily relates to financing of:

A. Housing projects

B. Seasonal Agricultural Operations

C. Export financing

D. Long-term industrial projects

E. Urban infrastructure

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🔑 ANSWER KEY

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Q1.A

Q2.B

Q3.C

Q4.B

Q5.E

Q6.A

Q7.B

Q8.D

Q9.B

Q10.C

Q11.E

Q12.B

Q13.D

Q14.A

Q15.A

Q16.A

Q17.C

Q18.E

Q19.D

Q20.B

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🧠 IBR PLATINUM EXAM INTELLIGENCE

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📌 CURRENT-AFFAIRS LINK

NPCI recorded 24,508.96 million UPI transactions worth ₹29,82,355.95 crore in August 2026. UPI therefore remains a major component of India's digital-payment ecosystem.

📌 BANKING CONCEPT

Credit-Deposit Ratio = Bank Credit ÷ Aggregate Deposits × 100

A high CD ratio should not be interpreted in isolation. Funding profile, capital, profitability, risk-adjusted returns, liability composition and asset quality also matter.

📌 ECONOMIC INTELLIGENCE

The RBI's September 2026 analysis estimated the envisaged private corporate capex pipeline at approximately ₹3.2 lakh crore for FY2026-27.

Private Capex → Capacity → Productivity → Employment → Growth

📌 AFO / NABARD CONNECTION

ST-SAO = Short-Term Seasonal Agricultural Operations

NABARD's refinance framework identifies ST-SAO as short-term credit for seasonal agricultural operations.

📌 EXAM TRAP

Forex reserves ≠ Domestic bank credit

Forex reserves comprise:

FCA + Gold + SDRs + Reserve Position in IMF

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🎯 SELF-ASSESSMENT

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18–20 → 🔥 PLATINUM LEVEL

15–17 → ⭐ STRONG PREPARATION

12–14 → 📘 NEED TARGETED REVISION

Below 12 → 🔄 REVISE + RETAKE

⚠️ This self-assessment is an IBR practice indicator and is NOT an official IBPS qualifying benchmark.

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🚀 IBR DAILY PRACTICE CHALLENGE

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15 MINUTES • 20 QUESTIONS • ZERO DISTRACTIONS

READ → SOLVE → TIME → ANALYSE → REVISE

📍 Today's challenge:

Can you score 18+ without random guessing?

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