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50 questions from UPSC CSE Prelims GS Paper 1 on Banking & Financial Sector (Indian Economy). Spanning from 1995 to 2025. Practice with show/hide answers and detailed explanations.
50
Questions
27
Years
18
Easy
30
Moderate
Based on 50 questions across 27 years, UPSC has consistently tested aspirants' understanding of Banking & Financial Sector within the broader Indian Economy syllabus. The questions range from factual recall to application-based analysis.
Recent trends show UPSC moving towards statement-based questions that combine multiple aspects of Banking & Financial Sector. Aspirants should focus on understanding concepts rather than memorizing isolated facts.
Q: Which of the following are the sources of income for the Reserve Bank of India? I. Buying and selling Government bonds II. Buying and selling foreign currency III. Pension fund management IV. Lending to private companies V. Printing and distributing currency notes Select the correct answer using the code given below:
Q: निम्नलिखित कथनों पर विचार कीजिए : 1. भारत में, नॉन-बैंकिंग वित्तीय कंपनियाँ (NBFCs) द्वारा प्रायोजित परिसंपत्ति पुनर्संरचना कंपनियाँ लाभ कमा सकती हैं। 2. भारत में, विदेशी संस्थागत निवेशक सरकारी प्रतिभूतियों (G-Secs) के धारक बन सकते हैं। 3. भारत में, शेयर बाज़ार (स्टॉक एक्सचेंज) ऋणों के लिए एकीकृत व्यापारिक मंच (ट्रेडिंग प्लेटफॉर्म) प्रदान कर सकते हैं। उपर्युक्त में से कौन-सा/कौन-से कथन सही है/हैं ?
Q: विदेशी बैंकों के साथ व्यवहार करते समय भारतीय रिज़र्व बैंक द्वारा अधिरोपित नियमों के संदर्भ में, निम्नलिखित कथनों पर विचार कीजिए: 1. भारत में पूर्ण स्वामित्व वाले सहायक बैंकें (बैंकिंग सहबद्धियाँ) के लिए कोई न्यूनतम पूंजी की आवश्यकता नहीं है। 2. भारत में पूर्ण स्वामित्व वाले सहायक बैंकों (बैंकिंग सहबद्धियाँ) के लिए, बोर्ड सदस्यों के कम-से-कम 50% भारतीय नागरिक होने चाहिए। उपरोक्त कथनों में से कौन-सा/कौन-से सही है/हैं?
Q: Consider the following statements: Statement-I: Syndicated lending spreads the risk of borrower default across multiple lenders. Statement-II: The syndicated loan can be a fixed amount/lump sum of funds, but cannot be a credit line. Which one of the following is correct in respect of the above statements?
Q: ‘बैंक बोर्ड ब्यूरो (BBB)’ के सन्दर्भ में, निम्नलिखित में कौन-कौन कथन सही हैं ? 1. RBI का गर्वनर BBB का चेयरमैन होता है। 2. BBB, सार्वजनिक क्षेत्र बैंकों के अध्यक्षों के चयन के लिए सिफारिश करता है। 3. BBB, सार्वजनिक क्षेत्र बैंकों को कार्यनीतियों और पूंजी-वर्धन योजनाओं के विकास करने में मदद करता है। नीचे दिए कूट का प्रयोग कर सही उत्तर चुनिए :
Q: निम्नलिखित कथनों पर विचार कीजिए : 1. केंद्र सरकार द्वारा भारतीय रिजर्व बैंक (आरबीआई) के गवर्नर की नियुक्ति की जाती है। 2. भारतीय संविधान के कतिपय प्रावधान केंद्र सरकार को जनहित में आरबीआई को निर्देश देने का अधिकार देते हैं। 3. आरबीआई के गवर्नर का निहित अपना अधिकार (पावर) आरबीआई अधिनियम से प्राप्त करता है। उपर्युक्त कथनों में से कौन-सा/से सही है?
Q: भारत में ‘शहरी सहकारी बैंकों’ के संबंध में, निम्नलिखित कथनों पर विचार कीजिए : 1. राज्य सरकारों द्वारा स्थापित स्वायत्त मंडलों द्वारा उनका पर्यवेक्षण एवं विनियमन किया जाता है। 2. वे सीमित शेयर और असीमित शेयर जारी कर सकते हैं। 3. उन्हें वर्ष 1966 में एक संशोधन के द्वारा बैंककारी विनियमन अधिनियम, 1949 के दायरे में लाया गया था। उपर्युक्त कथनों में से कौन-सा/से सही है/हैं?
Q: Consider the following statements : 1. The Governor of the Reserve Bank of India (RBI) is appointed by the Central Government. 2. Certain provisions in the Constitution of India give the Central Government the right to issue directions to the RBI in public interest. 3. The Governor of the RBI draws his power from the RBI Act. Which of the above statements are correct?
Q: निम्नलिखित कथनों पर विचार कीजिए: 1. कृषि क्षेत्र को अल्पकालीन साख प्रदान करने के संदर्भ में, जिला केंद्रीय सहकारी बैंक (DCCBs) अनुसूचित वाणिज्यिक बैंकों एवं क्षेत्रीय ग्रामीण बैंकों की तुलना में अधिक ऋण देते हैं। 2. DCCBs का एक प्रमुख कार्य प्राथमिक कृषि साख समितियों को निधि उपलब्ध कराना है। उपरोक्त कथनों में से कौन-सा/से सही है/हैं?
Q: What is the importance of the term “Interest Coverage Ratio” of a firm in India? 1. It helps in understanding the present risk of a firm that a bank is going to give loan to. 2. It helps in evaluating the emerging risk of a firm that a bank is going to give loan to. 3. The higher a borrowing firm’s level of Interest Coverage Ratio, the worse is its ability to service its debt. Select the correct answer using the code given below:
Q: सेवा क्षेत्र उपक्रम किसके कार्यक्षेत्र के अधीन स्थापित किया गया था?
Q: भारत में किसी वाणिज्यिक बैंक की परिसंपत्ति में निम्नलिखित में से क्या शामिल नहीं है?
Q: हाल ही में, भारतीय बैंकों और वित्तीय संस्थाओं द्वारा ‘इंटर-क्रेडिटर एग्रीमेंट’ (Inter-Creditor Agreement) पर हस्ताक्षर करने का क्या उद्देश्य था?
Q: सार्वजनिक क्षेत्र बैंकों के अध्यक्षों का चयन कौन करता है?
Q: निम्नलिखित कथनों पर विचार कीजिए : 1. पूँजी पर्याप्तता अनुपात (सी.आर.ए.) वह राशि है जिसे बैंकों को अपनी निक्षेपों के रूप में रखा जाता है जिससे वे, यदि खाता-धारकों द्वारा देयताओं का भुगतान नहीं करने से कोई हानि होती है, तो उसका प्रतिकार कर सकें। 2. सी.आर.ए. का निर्धारण प्रत्येक बैंक द्वारा अलग-अलग किया जाता है। उपयुक्त कथनों में से कौन-सा/से सही है/हैं ?
Q: भारत में सार्वजनिक क्षेत्र के बैंकों के संचालन के संबंध में, निम्नलिखित कथनों पर विचार कीजिए : 1. पिछले दशक में भारत सरकार द्वारा सार्वजनिक क्षेत्र के बैंकों के पूँजी के अंतराकरण में लगातार वृद्धि हुई है। 2. सार्वजनिक क्षेत्र के बैंकों को पुनर्गठित करने के लिए पूर्व भारतीय स्टेट बैंक के साथ उसके सहायक बैंकों का विलय किया गया है। उपरोक्त कथनों में से कौन-से सही हैं ?
Q: Which of the following statements best describes the term ‘Scheme for Sustainable Structuring of Stressed Assets (S4A)’, recently seen in the news?
Q: What is/are the purpose/purposes of the 'Marginal Cost of Funds based Lending Rate (MCLR)' announced by RBI? 1. These guidelines help improve the transparency in the methodology followed by banks for determining the interest rates on advances. 2. These guidelines help ensure availability of bank credit at interest rates which are fair to the borrowers as well as the banks. Select the correct answer using the code given below:
Q: With reference to 'Financial Stability and Development Council', consider the following statements: 1. It is an organ of NITI Aayog. 2. It is headed by the Union Finance Minister. 3. It monitors macroprudential supervision of the economy. Which of the statements given above is/are correct?
Q: With reference to the Indian Renewable Energy Development Agency Limited (IREDA), which of the following statements is/are correct? 1. It is a Public Limited Government Company. 2. It is a Non-Banking Financial Company. Select the correct answer using the code given below.
Q: The Reserve Bank of India regulates the commercial banks in matters of 1. liquidity of assets 2. branch expansion 3. merger of banks 4. winding-up of banks Select the correct answer using the codes given below.
Q: Priority Sector Lending by banks in India constitutes the lending to
Q: The Reserve Bank of India (RBI) acts as a bankers' bank. This would imply which of the following? 1. Other banks retain their deposits with the RBI. 2. The RBI lends funds to the commercial banks in times of need. 3. The RBI advises the commercial banks on monetary matters. Select the correct answer using the codes given below:
Q: The basic aim of Lead Bank Scheme is that
Q: Why is the offering of "teaser loans" by commercial banks a cause of economic concern? 1. The teaser loans are considered to be an aspect of sub-prime lending and banks may be exposed to the risk of defaulters in future. 2. In India, the teaser loans are mostly given to inexperienced entrepreneurs to set up manufacturing or export units. Which of the statements given above is/are correct?
Q: With reference to the Non-banking Financial Companies (NBFCs) in India, consider the following statements: 1. They cannot engage in the acquisition of securities issued by the government. 2. They cannot accept demand deposits like Savings Account. Which of the statements given above is/are correct?
Q: In India, the interest rate on savings accounts in all the nationalized commercial banks is fixed by
Q: With reference to the institution of Banking Ombudsman in India, which one of the statements is not correct ?
Q: Consider the following statements : The functions of commercial banks in India include 1. Purchase and sale of shares and securities on behalf of customers. 2. Acting as executors and trustees of wills. Which of the statements given above is/are correct ?
Q: Consider the following pairs : Large Bank Country of origin 1. ABN Amro Bank : USA 2. Barclays Bank : UK 3. Kookmin Bank : Japan Which of the above pairs is/are correctly matched ?
Q: In the context of independent India's economy, which one of the following was the earliest event to take place ?
Q: Basel II relates to which one of the following?
Q: The National Housing Bank was set up in India as a wholly-owned subsidiary of which one of the following?
Q: Which one of the following Indian banks is not a nationalized bank?
Q: Consider the following statements: 1. Life Insurance Corporation of India is the oldest insurance company in India. 2. National Insurance Company Limited was nationalized in the year 1972 and made a subsidiary of General Insurance Corporation of India. 3. Headquarters of United India Insurance Company Limited are located at Chennai. Which of the statements given above are correct?
Q: Consider the following statements: 1. Global Trust Bank has been amalgamated with the Punjab National Bank. 2. The second report of the Kelkar Committee dealing with direct and indirect taxes has maintained its original recommendations, including the abolition of exemptions relating to housing loans. Which of the statements given above is/are correct?
Q: Consider the following statements: 1. The National Housing Bank, the apex institution of housing finance in India, was set up as a wholly-owned subsidiary of the Reserve Bank of India. 2. The Small Industries Development Bank of India was established as a wholly-owned subsidiary of the Industrial Development Bank of India. Which of the statements given above is/are correct?
Q: Consider the following statements: 1. Reserve Bank of India was nationalized on 26 January 1950. 2. The borrowing programme of the Government of India is handled by the Department of Expenditure, Ministry of Finance. Which of these statements given above is/are correct?
Q: In India, the first bank of limited liability managed by Indians and founded in 1881 was
Q: Consider the following statements: 1. The maximum limit of shareholding of Indian promoters in private sector banks in India is 49 per cent of the paid-up capital. 2. Foreign Direct Investment up to 49 per cent from all sources is permitted in private sector banks in India under the automatic route. Which of these statements is/are correct?
Q: Consider the following financial institutions of India: 1. Industrial Finance Corporation of India (IFCI) 2. Industrial Credit and Investment Corporation of India (ICICI) 3. Industrial Development Bank of India (IDBI) 4. National Bank for Agriculture and Rural Development (NABARD) The correct chronological sequence of the establishment of these institutions is
Q: Which of the following committees examined and suggested Financial Sector Reforms?
Q: Consider the following statements regarding Reserve Bank of India: I. It is a banker to the Central Government. II. It formulates and administers monetary policy. III. It acts as an agent of the Government in respect of India’s membership of IMF. IV. It handles the borrowing programme of Government of India. Which of these statements are correct?
Q: Resurgent India Bonds were issued in US Dollar, Pound Sterling and
Q: From the balance sheet of a company, it is possible to
Q: The accounting year of the Reserve Bank of India is
Q: Match List I with List II and select the correct answer by using the codes given below the lists: List I (Committees) I. Disinvestment of shares in Public Sector Enterprises II. Industrial Sickness III. Tax Reforms IV. Reforms in Insurance Sector List II (Chaired by) A) Rajah Chelliah B) Onkar Goswami C) R. N. Malhotra D) C. Rangarajan Codes:
Q: As part of the liberalisation programme and with a view to attracting foreign exchange, the Government and the RBI have devised two schemes known as FCNR-‘A’ and FCNR-‘B’. Which of the following is/are true regarding these two schemes? I. Under scheme ‘A’ RBI bears exchange rate fluctuations. II. Under scheme ‘B’, other banks are to meet out the difference in exchange rate fluctuations. III. Both the schemes stand withdrawn now. IV. Only scheme ‘A’ has been withdrawn. Select the correct answer from the codes given below:
Q: The Narasimham Committee for Financial Sector Reforms has suggested reduction in
Q: 97. Consider the following: I. Industrial Finance Corporation of India II. Industrial Credit and Investment Corporation of India III. Industrial Development Bank of India IV. Unit Trust of India The correct sequence in which the above was established is
UPSC has asked 50 questions on Banking & Financial Sector in GS Paper 1 Prelims between 1995 and 2025. This sub-topic falls under Indian Economy.
Questions on Banking & Financial Sector have appeared in UPSC Prelims in the following years: 2025, 2024, 2022, 2021, 2020, 2019, 2018, 2017, 2016, 2015, 2013, 2012, 2011, 2010, 2009, 2007, 2006, 2005, 2004, 2003, 2002, 2001, 2000, 1999, 1998, 1997, 1995. The topic has appeared in 27 out of 31 years.
Among 50 questions on Banking & Financial Sector: 18 are easy, 30 are moderate, and 2 are difficult. Most questions test conceptual understanding of the topic.
