INDIAN BANKING RADAR (IBR) - IBPS PRELIMS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 170

📅 16 SEPTEMBER 2026 | WEDNESDAY

⚡ 15-MINUTE PRELIMS INTELLIGENCE TEST

🎯 TARGET EXAMS

IBPS PO | IBPS Clerk/CSA | SBI PO

SBI Clerk | RBI Assistant | RRB Office Assistant

LBO | Cooperative Bank Exams

📊 20 QUESTIONS | 15 MINUTES | 20 MARKS

⚠️ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

━━━━━━━━━━━━━━━━━━

📝 TEST INSTRUCTIONS

• Attempt all 20 questions

• Avoid spending excessive time on one question

• Questions 1–15 test core Prelims skills

• Questions 16–20 test current Banking & Economic Intelligence

• Target score: 16+ / 20

━━━━━━━━━━━━━━━━━━

Q1. The bank decided to ______ its credit-monitoring mechanism after identifying gaps in loan surveillance:

A. revamp

B. abandon

C. conceal

D. postpone

E. dilute

Q2. Choose the word opposite in meaning to MITIGATE:

A. reduce

B. aggravate

C. moderate

D. alleviate

E. relieve

Q3. Choose the grammatically correct sentence:

A. Neither the manager nor the officers was aware of the issue.

B. Neither the manager or the officers were aware of the issue.

C. Neither the manager nor the officers were aware of the issue.

D. Neither the manager nor the officer were aware of the issues.

E. Neither manager nor the officers was aware about the issue.

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

P. Despite the increase in operating costs,

Q. the bank continued to expand its digital banking services

R. across semi-urban and rural markets,

S. because digital channels helped reduce transaction costs:

A. Q-P-R-S

B. R-Q-P-S

C. S-P-Q-R

D. P-Q-R-S

E. Q-R-P-S

Q5. The regulator asked banks to ______ unusual transaction patterns:

A. overlook

B. conceal

C. postpone

D. disregard

E. monitor

Q6. A bank increased its deposits from ₹48 crore to ₹60 crore. The percentage increase is:

A. 25%

B. 20%

C. 22.5%

D. 24%

E. 30%

Q7. The CASA ratio of a bank is 3:8. If total deposits are ₹6,400 crore, CASA deposits amount to:

A. ₹2,000 crore

B. ₹2,400 crore

C. ₹2,600 crore

D. ₹3,000 crore

E. ₹3,200 crore

Q8. The average of nine consecutive integers is 42. The product of the smallest and largest integers is:

A. 1,680

B. 1,720

C. 1,748

D. 1,800

E. 1,764

Q9. A sum amounts to ₹14,880 in two years at 12% per annum simple interest. The principal is:

A. ₹10,800

B. ₹11,200

C. ₹11,800

D. ₹12,000

E. ₹12,400

Q10. An article marked at ₹4,800 is sold after a discount of 12.5%. Its selling price is:

A. ₹4,080

B. ₹4,120

C. ₹4,160

D. ₹4,180

E. ₹4,200

Q11. Find the next number in the series:

5, 11, 23, 47, 95, 191, ?

A. 383

B. 381

C. 385

D. 379

E. 387

Q12. If every letter in the word BANK is shifted two places forward in the English alphabet, the resulting code is:

A. DCPN

B. DCPM

C. DBPM

D. ECPM

E. DCOM

Q13. Statements: Some banks are digital lenders. All digital lenders use technology platforms. Conclusions: I. Some banks use technology platforms. II. Some technology platforms are used by digital lenders:

A. Only I follows

B. Only II follows

C. Both I and II follow

D. Neither I nor II follows

E. Either I or II follows

Q14. A person walks 8 metres north, turns right and walks 6 metres, turns right and walks 8 metres, and then turns left and walks 3 metres. In which direction is the person from the starting point:

A. North

B. South

C. West

D. East

E. North-East

Q15. Five officers D, C, A, B and E sit in a row facing north. D sits to the left of A. C sits immediately to the right of D. A sits immediately to the left of B. E sits at the extreme right end. Who sits in the middle:

A. B

B. C

C. D

D. E

E. A

Q16. RBI has announced OMO sales of government securities totalling ₹1 lakh crore in September 2026. The primary purpose of such sales, in the stated liquidity context, is to:

A. absorb surplus liquidity

B. inject durable liquidity

C. reduce the CRR

D. increase currency in circulation

E. provide direct credit to banks

Q17. According to NPCI's August 2026 UPI statistics, the number of UPI transactions was approximately:

A. 22.72 billion

B. 24.51 billion

C. 26.38 billion

D. 29.82 billion

E. 30.15 billion

Q18. RBI's July 2026 Balance of Payments data reported the overall balance at:

A. US$7.0 billion deficit

B. US$11.2 billion surplus

C. US$20.8 billion surplus

D. US$23.9 billion surplus

E. US$27.7 billion surplus

Q19. Under the revised framework discussed for specified eligible UPI Person-to-Merchant transactions above ₹2,000, the MDR rate is:

A. 0.20%

B. 0.25%

C. 0.30%

D. 0.40%

E. 0.50%

Q20. Under the proposed exposure framework for Rural Co-operative Banks, the proposed single-counterparty/single-borrower exposure limit is:

A. 15% of Tier-I capital

B. 18% of Tier-I capital

C. 25% of Tier-I capital

D. 30% of Tier-I capital

E. 20% of Tier-I capital

━━━━━━━━━━━━━━━━━━

🔑 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

━━━━━━━━━━━━━━━━━━

⚡ QUICK VERIFICATION

Q6: Increase = ₹12 crore ÷ ₹48 crore × 100 = 25%

Q7: CASA = 3/8 × ₹6,400 crore = ₹2,400 crore

Q8: Nine consecutive integers centred on 42 are 38 to 46.

38 × 46 = 1,748

Q9: SI for 2 years = 24% of principal.

₹14,880 ÷ 1.24 = ₹12,000

Q10: Discount = 12.5% of ₹4,800 = ₹600.

Selling price = ₹4,200

Q11: ×2 + 1 pattern → 383

Q12: B→D, A→C, N→P, K→M = DCPM

Q14: Final position = 9 metres east

Q15: Arrangement = D – C – A – B – E

Middle officer = A

━━━━━━━━━━━━━━━━━━

🧠 60-SECOND BANKING REVISION

🔹 OMO: RBI uses outright purchase/sale of government securities as a liquidity-management tool.

🔹 UPI August 2026: NPCI reported 24,508.96 million transactions, equivalent to about 24.51 billion, with 752 banks live on UPI.

🔹 Balance of Payments: July 2026 overall balance = US$20.8 billion surplus.

🔹 UPI MDR: Remember the distinction between P2P and specified eligible P2M transactions.

🔹 Rural Co-operative Banks: Proposed exposure norms include a 20% Tier-I capital single-counterparty/single-borrower limit.

━━━━━━━━━━━━━━━━━━

💎 IBR PREMIUM

PREMIUM MOCKS & LEARNING

Go beyond routine preparation with:

✅ Premium Mock Tests

✅ RBI Guideline Briefs

✅ Banking Current Affairs

✅ Interview-Focused Topics

✅ Exam Intelligence & Revision Resources

🔥 90 DAYS FREE ACCESS

Prepare smarter. Practise harder. Perform better.

━━━━━━━━━━━━━━━━━━

🌐 INDIAN BANKING RADAR

Go beyond today's headlines.

Banking & Economy Intelligence

RBI Updates

Exam-Oriented Notes

Current-Affairs Analysis

Revision Resources

READ • UNDERSTAND • CONNECT • REVISE • PREPARE

━━━━━━━━━━━━━━━━━━

▶️ IBR YOUTUBE CHANNEL

🎯 Banking & Economy Explainers

🏦 RBI & Monetary Policy

🛡️ Banking Fraud Awareness

💳 FinTech & Digital Banking

📚 Exam-Focused Banking Intelligence

Subscribe to IBR YouTube Channel and turn on notifications.

━━━━━━━━━━━━━━━━━━

🌾 INDIAN BANKING RADAR (IBR)

📌 READ • PRACTISE • REVISE • PERFORM