SSC CGL 2025 Tier-I · 12 September 2025, Shift 3 · General Awareness · Question 19 of 100

We transcribed this text from the pictures on a candidate's response sheet for this shift; the answer is the key SSC colour-marked on that sheet. Solution last reviewed 11 September 2026.

Where this paper and its answers come from

SSC does not publish CGL question papers or a public answer key. From 2025 the candidate response sheet prints every question and option as a picture, so the text here is transcribed from those pictures for this shift and checked against them independently; where the layout carries meaning, the picture is shown as well. Each answer is the key SSC colour-marked on that sheet. SSC released a tentative key for challenge and later its final one, both only to candidates behind a login, and the sheet does not say which of the two it carries. The solutions are written by UnlockIAS.

Which scheme supports financial services through postmen?

(a)NSAP
(b)IPPB
(c)PMJAY
(d)PRAGATI

Answer

Why

Correct — B. India Post Payments Bank (IPPB) was set up under the Department of Posts with 100% Government of India equity, and it delivers banking at the doorstep through the postal network.

IPPB describes its last-mile delivery as "through the postman", and its tagline is Aapka Bank, Aapke Dwaar. The Prime Minister launched it nationally on 1 September 2018.

Why the others are wrong

(a)
NSAP — NSAP pays social pensions. The National Social Assistance Programme, launched in 1995, gives financial assistance to the elderly poor, poor widows and persons with disabilities. It is not a banking channel.
(c)
PMJAY — PM-JAY is health cover. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana gives up to ₹5 lakh per family per year for treatment in empanelled hospitals.
(d)
PRAGATI — PRAGATI is a governance review platform. Pro-Active Governance and Timely Implementation is the Prime Minister's forum for monitoring projects and programmes, not a financial service for citizens.

Concept

A payments bank is a differentiated bank licensed by the RBI. It can take deposits and handle payments and remittances, but it cannot lend.

IPPB rides on India Post's reach, which it puts at nearly 1.55 lakh post offices and 3 lakh postal employees. Postmen and Gramin Dak Sevaks, carrying digital tools, open accounts, move money and pay out government benefits at the customer's door.

The stem calls IPPB a "scheme"; it is a bank, a government company under the Department of Posts. The question is really asking which institution works through postmen.

Key facts

IPPB was set up under the Department of Posts, Ministry of Communications, with 100% equity owned by the Government of India.
IPPB began as a pilot on 30 January 2017 in Ranchi and Raipur and was launched nationally on 1 September 2018.
A payments bank can accept deposits and provide payment services but cannot lend.
IPPB's tagline is "Aapka Bank, Aapke Dwaar".

Study next

Payments banks and small finance banks: RBI's two differentiated licencesDirect Benefit Transfer and Aadhaar-enabled paymentsPradhan Mantri Jan Dhan Yojana and financial inclusion

Common traps

Rejecting IPPB because the stem says "scheme" — it is a bank, but it is the one that works through postmen.
Assuming a payments bank can give loans — IPPB only refers customers to lenders.

NSAP's pension side is the subject of 21 Sep 2025, 16:00, GA Q.3, where IGNOAPS is keyed and NSAP itself is a distractor.

Related PYQs

No directly related past PYQ was found.

Topic: General Policy — all 218 SSC CGL questions on it, every solved shift.