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Finger Tips for Bank Promotion 2026: Directions & Circulars — Part 2

CGTMSE, NCGTC, NPCI, PFRDA, NABARD, FEDAI, UIDAI & Other Banking Regulators — MCQs with Answers

by Finger Tips Books

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Format
EPUB (online reader)
Language
English
Edition
—
Updated
—
MCQs
3773
# Finger Tips for Bank Promotion 2026 — Part 2: Directions & Circulars **Finger Tips for Bank Promotion 2026 — Part 2: Directions & Circulars** is an examination-oriented reference and revision book covering important **regulatory, institutional, banking and government-sponsored schemes** beyond the Reserve Bank of India. The book brings together **82 sections and 3,773 Multiple-Choice Questions (MCQs)** with Answers, covering a broad range of subjects relevant to **bank promotion examinations and professional banking preparation**. ## Key Areas Covered ### CGTMSE, NCGTC & Credit Guarantee Schemes Comprehensive coverage of important credit guarantee initiatives and related provisions, including: * **CGTMSE Circulars** * **Credit Guarantee Scheme for Micro and Small Enterprises (CGS-I)** * **Credit Guarantee Scheme for NBFCs (CGS-II)** * **Credit Guarantee Scheme for Co-Lending (CGSCL)** * **PM SVANidhi** * **PM Vishwakarma** * **PMEGP** * **MSE GIFT Scheme** * **CAECE** * **SEOE** * **CGSMFI-2.0** * **ECLGS 5.0** * **Mutual Credit Guarantee Scheme for MSMEs** * **Credit Guarantee Scheme for Startups** * And other related credit guarantee provisions and schemes. ### NPCI & Digital Payments The book covers major payment systems, digital payment initiatives and NPCI-related topics, including: * **Unified Payments Interface (UPI)** * **UPI 123PAY** * **Hello! UPI** * **UPI–PayNow** * **UPI Tap & Pay** * **UPI Lite** * **UPI Circle** * **UPI Global** * **UPI AutoPay** * **RuPay Cards** * **RuPay Credit Card on UPI** * **NACH** * **e-Mandate** * **NETC FASTag** * **Bharat Connect** * **Aadhaar Enabled Payment System (AePS)** * **Aadhaar Payment Bridge (APB)** * And other important NPCI-related subjects. ### PFRDA & Pension-Related Topics Coverage includes important pension and retirement-related topics such as: * **National Pension System (NPS)** * **Retirement Income Scheme (RIS)** * **NPS Vatsalya** * **Atal Pension Yojana (APY)** * **NPS-related circulars** * **Unified Pension Scheme Regulations, 2025** ### Other Important Banking & Regulatory Topics Part 2 also covers a wide range of subjects relevant to banking professionals and promotion examinations, including: * **NABARD** * **FEDAI** * **UIDAI** * Agricultural and rural banking schemes * **PM-Vidyalaxmi** * Education Loans * **IBA Model Policies** * **Pradhan Mantri Mudra Yojana (PMMY)** * **Sukanya Samriddhi Yojana** * **Senior Citizen Savings Scheme (SCSS)** * **Public Provident Fund (PPF)** * Social-security schemes * **Union Budget 2026–27** * And other important regulatory, institutional and banking-related subjects. ## Examination-Oriented Preparation The book is designed primarily for **banking professionals preparing for internal promotion examinations**. The MCQ-based format can be used for: * Systematic study of regulatory and institutional topics * MCQ practice and self-assessment * Revision of important circulars, schemes and provisions * Quick revision before examinations * Strengthening familiarity with banking and regulatory concepts * Repeated objective-question practice * Identifying topics that require additional revision With **3,773 questions across 82 sections**, the book provides extensive question-based practice across a diverse range of subjects encountered in professional banking and promotion-examination preparation. ## Updated Content **Content updated up to 15 September 2026.** The book has been prepared with reference to regulatory and institutional material available up to the stated update date. Regulatory requirements, schemes, guidelines and institutional provisions may subsequently be amended, replaced, withdrawn or supplemented. Readers should refer to the **latest official publications, circulars, directions, notifications, regulations and other authoritative sources** issued by the respective regulator or institution when verifying the current position. ## Important Disclaimer This book is intended solely as a **study, revision and reference resource** for banking professionals and examination preparation. Every effort has been made to compile and present the material accurately. However, no representation is made that every question, answer, explanation, interpretation or reference is completely free from error, or that the material incorporates changes issued after the stated update date. In case of any discrepancy, ambiguity, typographical error, or difference between the content of this book and an official circular, notification, regulation, direction or other authoritative publication, the **latest applicable official publication should be treated as the reference**. This book is **not an official publication** of CGTMSE, NCGTC, NPCI, PFRDA, NABARD, FEDAI, UIDAI, RBI, IBA, or any other institution, regulator or organisation mentioned in the book. It is not affiliated with, endorsed by, or sponsored by any of these institutions or organisations.

Contents

  1. Feedback & SuggestionsContact
  2. 1. MCQs ON CGTMSE CIRCULARS (FROM JANUARY 2026 TILL SEPTEMBER 15, 2026)85 QFree preview
  3. 2. CREDIT GUARANTEE FUND SCHEME FOR MICRO AND SMALL ENTERPRISES (CGS-I) (UPDATED ON APRIL 01, 2026)165 Q
  4. 3. CREDIT GUARANTEE FUND SCHEME FOR NBFCs - (CGS-II) (UPDATED AS ON MARCH 31, 2025)76 Q
  5. 4. CREDIT GUARANTEE SCHEME FOR CO-LENDING (CGSCL) (UPDATED ON APRIL 01, 2025)70 Q
  6. 5. CREDIT GUARANTEE SCHEME FOR PM STREET VENDOR’S ATMANIRBHAR (SVANIDHI) DATED SEPTEMBER 10, 2025 (UPDATED ON DECEMBER 26, 2025)67 Q
  7. 6. CREDIT GUARANTEE SCHEME FOR PM SVANIDHI CREDIT CARD DATED SEPTEMBER 10, 2025 (UPDATED ON DECEMBER 26, 2025)45 Q
  8. 7. CREDIT GUARANTEE SCHEME FOR PM VISHWAKARMA (CGS-PMV) (UPDATED AS ON NOVEMBER 24, 2023)39 Q
  9. 8. SPECIAL CREDIT GUARANTEE SCHEME FOR COLLATERAL SUPPORT FOR EXPORT CREDIT UNDER EXPORT PROMOTION MISSION – NIRYAT PROSTAHAN MSME CIRCULAR 257/2025-26 DATED FEBRUARY 06, 202648 Q
  10. 9. PRIME MINISTER’S EMPLOYMENT GENERATION PROGRAMME (PMEGP) DATED DECEMBER 07, 202346 Q
  11. 10. SIDBI MSE GREEN INVESTMENT FINANCING FOR TRANSFORMATION (MSE GIFT) SCHEME DATED MAY 08, 202415 Q
  12. 11. CREDIT ASSISTANCE FOR E-COMMERCE EXPORTERS (CAECE) REF NO:0154/CAECE/2026-27 DATED APRIL 22, 202636 Q
  13. 12. SUPPORT FOR EMERGING EXPORT OPPORTUNITIES (SEOE) REF NO:0153/SEOE/2026-27 DATED APRIL 22, 202643 Q
  14. 13. CREDIT GUARANTEE SCHEME FOR MICROFINANCE INSTITUTIONS - 2.0 (CGSMFI-2.0) REF NO:2402/CFSMFI 2.0/2025-26 DATED MARCH 20, 2026 (UPDATED ON 10TH JUNE 2026)33 Q
  15. 14. CREDIT REPAYMENT GUARANTEE SUB-SCHEME (CRGSS) UNDER URBAN CHALLENGE FUND (UCF) REF NO:0080/CRGSS/2026-27 DATED APRIL 16, 202644 Q
  16. 15. EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) 5.0 REF NO:0264/NCGTC/ECLGS5.0 DATED MAY 8, 202633 Q
  17. 16. MUTUAL CREDIT GUARANTEE SCHEME FOR MSMES (MCGS-MSME) REF NO:2225/NCGTC/MCGS-MSME DATED JANUARY 27, 2025 (MODIFIED AS ON 24-02-2026)41 Q
  18. 17. CREDIT RISK GUARANTEE FUND TRUST FOR LOW INCOME HOUSING (CRGFTLIH) SCHEME REF. GAZETTE CG-DL-W-18012025-260306 DATED JANUARY 15, 202534 Q
  19. 18. CREDIT GUARANTEE SCHEME FOR E-NWR BASED PLEDGE FINANCING (CGS-NPF) REF NO:1601/NCGTC/CGSNPF DATED FEBRUARY 27, 202541 Q
  20. 19. CREDIT GUARANTEE SCHEME FOR STARTUPS (CGSS) DATED OCTOBER 14, 2022 (UPDATED AS ON MAY 8, 2025)52 Q
  21. 20. CREDIT GUARANTEE FUND SCHEME FOR SKILL DEVELOPMENT LOANS (CGFSSD) 20TH NOVEMBER, 2015 (UPDATED AS ON JULY 21, 2026)32 QFree preview
  22. 21. CREDIT GUARANTEE FUND SCHEME FOR EDUCATION LOANS (CGFSEL) DATED SEPTEMBER 16, 2015 (UPDATED AS ON 18-04-2023)40 Q
  23. 22. MCQs ON NPCI CIRCULARS ISSUED (FROM JANUARY 2026 TILL SEPTEMBER 15, 2026)332 Q
  24. 23. UNIFIED PAYMENTS INTERFACE (UPI)71 Q
  25. 24. UPI 123PAY21 Q
  26. 25. Hello! UPI22 Q
  27. 26. UPI – PayNow31 Q
  28. 27. UPI TAP & PAY23 Q
  29. 28. UPI LITE21 Q
  30. 29. UPI LITE X25 Q
  31. 30. UPI CIRCLE29 Q
  32. 31. UPI GLOBAL19 Q
  33. 32. UPI ONE WORLD20 Q
  34. 33. UPI - AUTOPAY INTEROPERABILITY25 Q
  35. 34. UPI - RESERVE PAY25 QFree preview
  36. 35. UPI FOR IPO29 Q
  37. 36. UPI – NUMBER23 Q
  38. 37. UPI - MULTI-SIGNATORY ACCOUNTS24 Q
  39. 38. RUPAY DEBIT AND CREDIT CARD90 QFree preview
  40. 39. RUPAY CONTACTLESS CARD41 Q
  41. 40. RUPAY PREPAID CARD40 Q
  42. 41. RUPAY CARDS INTERNATIONAL28 Q
  43. 42. RUPAY CREDIT CARD ON UPI26 Q
  44. 43. NACH DEBIT36 Q
  45. 44. NACH CREDIT35 Q
  46. 45. CORPORATE PORTABILITY IN NACH14 Q
  47. 46. E-MANDATE - API VARIANT27 Q
  48. 47. E-MANDATE - eSign VARIANT27 Q
  49. 48. NETC FASTAG50 Q
  50. 49. BHARAT CONNECT54 Q
  51. 50. AADHAAR ENABLED PAYMENT SYSTEM29 QFree preview
  52. 51. AADHAAR OTP20 Q
  53. 52. AADHAAR PAYMENT BRIDGE (APB) SYSTEM36 Q
  54. 53. MCQs ON PFRDA CIRCULARS ISSUED (FROM JANUARY 2026 TILL SEPTEMBER 15, 2026)403 Q
  55. 54. RETIREMENT INCOME SCHEME (RIS) UNDER NPS PFRDA/2026/31/MWNR/01 DATED MAY 15, 202623 Q
  56. 55. NPS SANCHAY PFRDA/2026/25/NPS-AGRI/01 Dated May 6, 202611 Q
  57. 56. NPS SWASTHYA PENSION SCHEME - POC 2 (PROOF OF CONCEPT) PFRDA/2026/22/SUP-CRA/03 DATEED 7TH APR 202616 Q
  58. 57. NPS SWASTHYA PENSION SCHEME PFRDA/2026/07/SUP-CRA/02 Dated January 27, 202633 Q
  59. 58. NPS VATSALYA SCHEME PFRDA/2026/02/NPS-Vatsalya/01 Dated 07th January, 202641 QFree preview
  60. 59. ATAL PENSION YOJNA (APY)28 Q
  61. 60. NATIONAL PENSION SYSTEM (NPS) (All Citizen Models)40 Q
  62. 61. UNIFIED PENSION SCHEME REGULATIONS, 2025 UNDER NATIONAL PENSION SYSTEM50 Q
  63. 62. SCHEMATIC LENDING TO SCHEDULED COMMERCIAL BANKS (PUBLIC SECTOR/ PRIVATE SECTOR) & FOREIGN BANKS CIRCULAR NO. 186/DOR-5O/2O26 DATED AUGUST 14, 202631 Q
  64. 63. GUIDELINES ON FIXATION OF SCALE OF FINANCE (SOF) CIRCULAR NO.78 /DOR – 31 /2026 DATED MARCH 17,202628 Q
  65. 64. AGRI-CLINICS AND AGRI-BUSINESS CENTRES (AC&ABC) SCHEME CIRCULAR NO. 224/GSD- 08 /2025 DATED 25 SEPTEMBER 202565 Q
  66. 65. FEDAI RULES 10TH EDITION (UPDATED AS ON SEPTEMBER 7, 2026)71 Q
  67. 66. VALIDITY OF AADHAAR VERIFIABLE CREDENTIAL SHOWN, SHARED AND/OR VERIFIED THROUGH AADHAAR APPLICATION CIRCULAR NO. HQ-300 11 /3 / 2025 - AIJ -HO DATED APRIL 30, 202622 Q
  68. 67. PRADHAN MANTRI VIDYALAXMI (PM-Vidyalaxmi) SCHEME58 Q
  69. 68. IBA MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD58 Q
  70. 69. PM-VIDYALAXMI PORTAL (PMVLP)37 Q
  71. 70. COMMON START UP HUB PORTAL FOR PUBLIC SECTOR BANKS MODEL LOAN SCHEME30 Q
  72. 71. NEW BC REGISTRY PORTAL (SUBMISSION OF DATA IN TRANSACTION MODULE)6 Q
  73. 72. KRISHIKA Mobile App - (FIXATION OF UNIFORM COMMISSION FOR CSCS BCS FOR KCC ACCOUNT OPENING)7 Q
  74. 73. IBA MODEL POLICY ON BANK DEPOSITS29 Q
  75. 74. IBA MODEL COMPENSATION POLICY36 Q
  76. 75. IBA CODE FOR BANKING PRACTICE17 Q
  77. 76. PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY)32 QFree preview
  78. 77. PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY)29 Q
  79. 78. PRADHAN MANTRI MUDRA YOJANA (PMMY)19 Q
  80. 79. SUKANYA SAMRIDDHI YOJANA (SSY)20 QFree preview
  81. 80. SENIOR CITIZEN SAVINGS SCHEME (SCSS)30 QFree preview
  82. 81. PUBLIC PROVIDENT FUND (PPF) SCHEME30 Q
  83. 82. UNION BUDGET 2026-2795 Q

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