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Finger Tips for Bank Promotion 2026: Directions & Circulars — Part 1

Reserve Bank of India (RBI): Multiple-Choice Questions with Explanations | Updated up to 15 September 2026 by A K SINGH Series status: Live

by A K Singh

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EPUB (online reader)
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English
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Updated
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# Finger Tips for Bank Promotion 2026 — Part 1: Reserve Bank of India **Finger Tips for Bank Promotion 2026 — Part 1: Reserve Bank of India** is an examination-oriented reference and revision book designed for **banking professionals preparing for internal promotion examinations**. The book covers important **RBI Directions, Circulars and regulatory provisions** through a comprehensive collection of **Multiple-Choice Questions (MCQs), Answers and Explanations**, helping readers study, practise and revise key RBI regulations in an objective-question format. ## What This Book Covers Part 1 focuses entirely on the **Reserve Bank of India (RBI)** and brings together important regulatory subjects relevant to banking professionals and bank promotion examinations. Key topics include: * **Priority Sector Lending – Targets and Classification** * **Income Recognition, Asset Classification and Provisioning** * **Lending to Micro, Small & Medium Enterprises (MSME) Sector** * **Kisan Credit Card (KCC) Scheme** * **Interest Rates on Advances** * **Credit Information Reporting** * **Credit Facilities** * **Know Your Customer (KYC)** * **Responsible Business Conduct** * And other important RBI Directions, Circulars and regulatory subjects covered in Part 1. Each section presents objective-type questions based on the relevant regulatory material, followed by **answers and explanations** to support conceptual understanding and effective revision. ## Designed for Bank Promotion Preparation The book is primarily intended for **banking professionals preparing for internal promotion examinations** and can be used as a structured RBI-focused study and practice resource. It can help with: * Systematic study of important RBI regulatory topics * MCQ-based practice and self-assessment * Revision of RBI Directions and Circulars * Quick revision before examinations * Strengthening familiarity with important banking regulations * Repeated practice of objective-type questions * Identifying areas that require further study or revision ## A Practical RBI Revision Resource Instead of requiring readers to navigate through extensive regulatory material during every revision session, the book brings important RBI-related topics into a **structured question-and-answer format**. The combination of **MCQs, answers and explanations** is intended to help banking professionals test their understanding while simultaneously revising important regulatory concepts. ## Updated Content **Content updated up to 15 September 2026.** The book has been prepared with reference to RBI regulatory material available up to the stated update date. Since regulatory requirements may change through subsequent Directions, Circulars, amendments, notifications or other official publications, readers should verify the latest position from the **official RBI publications** where required. ## 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 regulatory 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 RBI publication, the **latest applicable official RBI Direction, Circular, Notification or other authoritative publication should be treated as the reference**. This book is **not an official publication of the Reserve Bank of India** and is not affiliated with, endorsed by, or sponsored by the RBI.

Contents

  1. Feedback & SuggestionsContactFree preview
  2. 1. Priority Sector Lending – Targets and Classification Directions, 2025 dated March 24, 2025 (Updated as on August 07, 2026)133 QFree preview
  3. 2. Income Recognition, Asset Classification and Provisioning Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)141 Q
  4. 3. Lending to Micro, Small & Medium Enterprises (MSME) Sector dated July 24, 2017 (Updated as on February 9, 2026)48 QFree preview
  5. 4. Kisan Credit Card (KCC) Scheme Directions, 2026 dated June 19, 2026 (Effective from April 1, 2027)64 QFree preview
  6. 5. Interest Rates on Advances Directions, 2025 dated November 28, 202540 Q
  7. 6. Credit Information Reporting Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)36 Q
  8. 7. Credit Facilities Directions, 2025 dated November 28, 2025 (Updated as on July 15, 2026)262 Q
  9. 8. Know Your Customer Directions, 2025 dated November 28, 2025 (Updated as on December 29, 2025)130 Q
  10. 9. Responsible Business Conduct Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)155 Q
  11. 10. Interest Rate on Deposits Directions, 2025 dated November 28, 2025 (Updated as on August 25, 2026)92 Q
  12. 11. Credit Cards and Debit Cards: Issuance and Conduct Directions, 2025 dated November 28, 202586 Q
  13. 12. Cash Reserve Ratio and Statutory Liquidity Ratio Directions, 2025 dated November 28, 2025 (Updated as on August 25, 2026)71 Q
  14. 13. Undertaking of Financial Services Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)88 Q
  15. 14. Conduct of Government Business by Agency Banks (ABs) – Payment of Agency Commission and Oversight of ABs Directions, 2026 dated April 30, 202658 Q
  16. 15. Disbursement of Government Pension by Agency Banks (ABs) Directions, 2026 dated April 30, 2026 (Updated as on June 24, 2026)41 Q
  17. 16. Facility for Exchange of Notes and Coins dated April 01, 202637 Q
  18. 17. Counterfeit Notes (Detection, Reporting and Monitoring) dated April 01, 202642 Q
  19. 18. Incentives for Currency Distribution and Exchange and Penalties / Penal Provisions for Bank Branches and Currency Chests dated April 01, 2026 (Updated as on May 27, 2026)65 Q
  20. 19. Internal Ombudsman Directions, 2026 dated January 14, 202630 Q
  21. 20. Setting Up of Wholly Owned Subsidiaries by Foreign Banks) Guidelines, 2025 dated November 28, 2025 (Updated as on April 1, 2026)21 QFree preview
  22. 21. Miscellaneous Directions, 2025 dated November 28, 202541 Q
  23. 22. Fraud Risk Management Directions, 2026 dated July 31, 202695 Q
  24. 23. Digital Payment Security Controls Directions, 2026 dated July 31, 202695 Q
  25. 24. Cybersecurity, Technology: Risk, Resilience and Assurance Framework Directions, 2026 dated July 31, 2026107 Q
  26. 25. Concurrent Audit Directions, 2026 dated July 31, 202649 Q
  27. 26. Compliance Function Directions, 2026 dated July 31, 202649 Q
  28. 27. Internal Audit Function Directions, 2026 dated July 31, 202646 Q
  29. 28. Statutory Audit Directions, 2026 dated July 31, 202652 Q
  30. 29. Supervisory Returns Directions, 2026 dated July 31, 202643 Q
  31. 30. Miscellaneous Supervisory Directions, 2026 dated July 31, 202668 Q
  32. 31. Prudential Norms on Capital Adequacy Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)271 Q
  33. 32. Resolution of Stressed Assets Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)76 Q
  34. 33. Concentration Risk Management Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)79 Q
  35. 34. Credit Risk Management Directions, 2025 dated November 28, 2025 (Updated as on July 1, 2026)82 Q
  36. 35. Classification, Valuation and Operation of Investment Portfolio Directions, 2025 dated November 28, 2025 (Updated as on May 18, 2026)150 Q
  37. 36. Asset Classification, Provisioning and Income Recognition Directions, 2026 dated April 27, 2026 (Effective from April 1, 2027)250 Q
  38. 37. Capital Charge for Credit Risk – Standardised Approach Directions, 2026 dated April 27, 2026 (Effective from April 1, 2027)491 Q
  39. 38. Master Direction - Money Changing Activities dated January 04, 2016 (Updated as on June 24, 2026)39 Q
  40. 39. Master Direction – Money Transfer Service Scheme (MTSS) dated February 23, 2017 (Updated as on November 28, 2025)32 Q
  41. 40. Master Direction - Liberalised Remittance Scheme (LRS) dated January 04, 2016 (Updated as on September 06, 2024)33 Q
  42. 41. Master Direction - Deposits and Accounts dated January 04, 2016 (Updated as on June 29, 2026)122 Q
  43. 42. Master Direction – Import of Goods and Services dated January 04, 2016 (Updated as on January 12, 2026)85 Q
  44. 43. Master Direction – Export of Goods and Services dated January 04, 2016 (Updated as on July 17, 2026)82 Q
  45. 44. Master Direction - External Commercial Borrowings, Trade Credits and Structured Obligations dated March 26, 2019 (Updated as on September 08, 2026)27 Q
  46. 45. Master Direction – Foreign Investment in India dated January 04, 2018 (Updated up to June 15, 2026)53 Q
  47. 46. Master Direction - Other Remittance Facilities dated January 04, 2018 (Updated as on May 06, 2026)25 Q
  48. 47. Trade Receivables Discounting System Directions, 2026 dated June 23, 202636 Q
  49. 48. Digital Payments – E-mandate Framework, 2026 dated April 21, 202624 Q
  50. 49. Master Direction - Prepaid Payment Instruments dated August 27, 2021 (Updated as on December 27, 2024)92 Q
  51. 50. Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) dated April 01, 202569 Q
  52. 51. Master Circular – Credit Facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) dated June 16, 202517 Q
  53. 52. Other Circular – Floating Rate Savings Bonds, 2020 (Taxable) - FRSB 2020 (T) dated April 02, 202632 Q
  54. 53. Other Circular – Modified Interest Subvention Scheme for Short Term Loans for Agriculture and Allied Activities dated January 13, 202629 Q
  55. 54. Other Circular – Lead Bank Scheme dated June 19, 202628 Q
  56. 55. Master Direction – Credit Derivatives) Directions, 2026 dated Jun 25, 202646 Q
  57. 56. Master Direction – Unique Identifiers in Financial Markets Directions, 2026 dated March 27, 202637 Q

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