INDIAN BANKING RADAR (IBR) - IBPS PRELIMS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 171

📅 17 SEPTEMBER 2026 | THURSDAY

⚡ 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

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📝 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

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Q1. The bank decided to ______ its internal audit mechanism after identifying weaknesses in compliance monitoring:

A. revamp

B. suppress

C. neglect

D. conceal

E. abandon

Q2. Choose the word opposite in meaning to PRUDENT:

A. cautious

B. judicious

C. reckless

D. sensible

E. careful

Q3. Choose the grammatically correct sentence:

A. Each of the officers have submitted their report.

B. Neither the manager or the employees were aware of the change.

C. The committee have discussed the matter in detail.

D. Each of the branches has submitted its monthly report.

E. The information were circulated among all branches.

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

P. As digital payments expanded rapidly

Q. banks began investing more heavily in cybersecurity

R. because the volume of financial transactions increased

S. across both urban and rural markets:

A. Q-P-R-S

B. P-Q-R-S

C. R-S-P-Q

D. P-R-Q-S

E. S-P-Q-R

Q5. The regulator advised banks to ______ adequate records of suspicious transactions:

A. destroy

B. conceal

C. overlook

D. postpone

E. maintain

Q6. A bank's deposits increased from ₹75 crore to ₹90 crore. The percentage increase is:

A. 20%

B. 18%

C. 25%

D. 15%

E. 22%

Q7. The ratio of current account deposits to savings account deposits is 2:5. If total CASA deposits are ₹2,800 crore, the savings account deposits are:

A. ₹1,600 crore

B. ₹1,800 crore

C. ₹2,000 crore

D. ₹2,200 crore

E. ₹2,400 crore

Q8. The average of seven consecutive integers is 36. The product of the smallest and largest integers is:

A. 1,260

B. 1,287

C. 1,296

D. 1,287

E. 1,320

Q9. A sum amounts to ₹13,200 in two years at 10% per annum simple interest. The principal is:

A. ₹10,500

B. ₹11,000

C. ₹11,200

D. ₹11,500

E. ₹12,000

Q10. An article marked at ₹6,400 is sold at a discount of 15%. Its selling price is:

A. ₹5,240

B. ₹5,360

C. ₹5,520

D. ₹5,600

E. ₹5,440

Q11. Find the next number in the series:

7, 15, 31, 63, 127, ?

A. 255

B. 253

C. 257

D. 259

E. 261

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

A. NQCP

B. NQBO

C. NQCP

D. NQCO

E. OQCP

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

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 10 metres north, turns right and walks 6 metres, turns right and walks 14 metres, and then turns left and walks 3 metres. In which direction is the person from the starting point:

A. North-West

B. South-East

C. South-West

D. North-East

E. West

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

A. D

B. A

C. B

D. C

E. E

Q16. The RBI's September 2026 OMO sales of government securities totalling ₹1 lakh crore are primarily intended to:

A. absorb surplus liquidity

B. reduce the CRR

C. increase currency in circulation

D. inject durable liquidity

E. provide direct credit to banks

Q17. RBI's preliminary Balance of Payments data for July 2026 reported India's 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

Q18. Scheduled commercial-bank deposit growth as of 31 August 2026 was reported at approximately:

A. 14.70%

B. 15.82%

C. 16.50%

D. 17.76%

E. 19.08%

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

A. 0.20%

B. 0.40%

C. 0.25%

D. 0.30%

E. 0.50%

Q20. The Demat 2.0 pilot for tokenised corporate bonds links the securities leg with which settlement mechanism:

A. CRR balances

B. physical currency settlement

C. bank fixed-deposit settlement

D. foreign-exchange reserve settlement

E. wholesale CBDC settlement

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🔑 ANSWER KEY

Q1.A

Q2.C

Q3.D

Q4.B

Q5.E

Q6.A

Q7.C

Q8.D

Q9.B

Q10.E

Q11.A

Q12.C

Q13.D

Q14.B

Q15.E

Q16.A

Q17.C

Q18.D

Q19.B

Q20.E

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⚡ QUICK VERIFICATION

Q6: Increase = ₹90 − ₹75 = ₹15 crore.

₹15 ÷ ₹75 × 100 = 20%

Q7: Total parts = 2 + 5 = 7.

Savings deposits = 5/7 × ₹2,800 crore = ₹2,000 crore

Q8: Seven consecutive integers centred on 36 are:

33, 34, 35, 36, 37, 38, 39

Smallest × largest = 33 × 39 = 1,287

Q9: Simple interest for 2 years = 20% of principal.

₹13,200 = 120% of principal.

Principal = ₹13,200 ÷ 1.20 = ₹11,000

Q10: Discount = 15% of ₹6,400 = ₹960.

Selling price = ₹6,400 − ₹960 = ₹5,440

Q11: Pattern = ×2 + 1.

127 × 2 + 1 = 255

Q12:

L → N

O → Q

A → C

N → P

Therefore LOAN → NQCP

Q14:

10 m North → 6 m East → 14 m South → 3 m East.

Net displacement = 4 m South + 9 m East.

Direction = South-East

Q15: Arrangement:

D – A – E – B – C

Middle officer = E

Q16: OMO sale → Liquidity absorption

Q17: July 2026 overall BoP balance = US$20.8 billion surplus

Q18: Deposit growth = 17.76% YoY

Q19: Standard MDR = 0.40%

Q20: Demat 2.0 links tokenised securities with wholesale CBDC settlement

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🧠 60-SECOND BANKING REVISION

🔹 OMO Sale → Liquidity Absorption

🔹 RBI July 2026 Overall BoP Balance: US$20.8 billion surplus

🔹 July 2026 Current Account: US$7.0 billion deficit

🔹 Bank Deposit Growth, 31 August 2026: 17.76% YoY

🔹 Specified eligible UPI P2M transactions above ₹2,000: 0.40% MDR

🔹 ₹2,000 is an MDR threshold, not a new UPI transaction limit

🔹 P2P UPI transactions remain free

🔹 Approximately 96% of P2M transactions remain unaffected

🔹 Demat 2.0: Tokenised Corporate Bonds + DLT + Wholesale CBDC Settlement

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