Xylem Banking

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1️⃣ When RBI conducts Open Market Operations (OMO), it means A) Buying/Selling of government securities B) Changing repo rate C) Issuing currency D) Giving loans to NBFCs 👉 Answer: A) Buying/Selling of government securities ✅ 2️⃣ Which of the following is a qualitative (selective) credit control tool of RBI? A) Repo Rate B) CRR C) Margin Requirement D) Bank Rate 👉 Answer: C) Margin Requirement ✅ 3️⃣ What does “Stagflation” mean? A) High growth + low inflation B) Low growth + high inflation C) High growth + high inflation D) Low growth + low inflation 👉 Answer: B) Low growth + high inflation ✅ 4️⃣ Base Rate system in India was replaced by A) Repo Rate B) Reverse Repo Rate C) MCLR D) Bank Rate 👉 Answer: C) MCLR ✅ 5️⃣ Which of the following is NOT part of Money Supply (M1)? A) Currency with public B) Demand deposits C) Time deposits D) Other deposits with RBI 👉 Answer: C) Time deposits ✅ 6️⃣ Priority Sector Lending includes A) Agriculture B) MSME C) Education D) All of the above 👉 Answer: D) All of the above ✅ 7️⃣ What is “Call Money”? A) Loan for 1 year B) Loan for 1 month C) Very short-term loan (1 day) D) Long-term bond 👉 Answer: C) Very short-term loan (1 day) ✅ 8️⃣ Which institution manages monetary policy in India? A) Finance Ministry B) RBI + Monetary Policy Committee (MPC) C) SEBI D) NITI Aayog 👉 Answer: B) RBI + MPC ✅ 9️⃣ SLR is maintained in the form of A) Cash only B) Gold only C) Cash + Gold + Government securities D) Loans 👉 Answer: C) Cash + Gold + Government securities ✅ 🔟 Which of the following is NOT a function of a commercial bank? A) Accepting deposits B) Granting loans C) Issuing currency D) Credit creation 👉 Answer: C) Issuing currency ❌ 👉 Done by RBI ✅ ━━━━━━━━━━━━━━━━━━━ ⚠️ CONFUSION ZONE (HIGH-YIELD TRAPS) ❗️ CRR → Kept with RBI (No interest) ❗️ SLR → Kept with bank itself (earns return) ❗️ Repo → RBI lends to banks ❗️ Reverse Repo → RBI borrows from banks ❗️ MCLR → Internal benchmark ❗️ Repo Linked Rate → External benchmark ❗️ OMO → Affects liquidity directly ❗️ Bank Rate → Long-term signal 🧠 PYQ-LEVEL QUESTION (TRICKY) Q. Which of the following statements is INCORRECT? A) RBI is the custodian of foreign exchange reserves B) RBI acts as banker to government C) RBI regulates insurance sector D) RBI controls credit in economy 👉 Answer: C) RBI regulates insurance ❌ 👉 Correct: IRDAI regulates insurance ✅ 🎯 ULTRA FAST REVISION ⚡️ OMO → Govt securities ⚡️ M1 → No time deposits ⚡️ Call Money → 1 day ⚡️ SLR → Bank holds ⚡️ MPC → Monetary policy Join Xylem Banking

1️⃣ When RBI conducts Open Market Operations (OMO), it means A) Buying/Selling of government securities B) Changing repo rate C) Issuing currency D) Giving loans to NBFCs 👉 Answer: A) Buying/Selling of government securities ✅ 2️⃣ Which of the following is a qualitative (selective) credit control tool of RBI? A) Repo Rate B) CRR C) Margin Requirement D) Bank Rate 👉 Answer: C) Margin Requirement ✅ 3️⃣ What does “Stagflation” mean? A) High growth + low inflation B) Low growth + high inflation C) High growth + high inflation D) Low growth + low inflation 👉 Answer: B) Low growth + high inflation ✅ 4️⃣ Base Rate system in India was replaced by A) Repo Rate B) Reverse Repo Rate C) MCLR D) Bank Rate 👉 Answer: C) MCLR ✅ 5️⃣ Which of the following is NOT part of Money Supply (M1)? A) Currency with public B) Demand deposits C) Time deposits D) Other deposits with RBI 👉 Answer: C) Time deposits ✅ 6️⃣ Priority Sector Lending includes A) Agriculture B) MSME C) Education D) All of the above 👉 Answer: D) All of the above ✅ 7️⃣ What is “Call Money”? A) Loan for 1 year B) Loan for 1 month C) Very short-term loan (1 day) D) Long-term bond 👉 Answer: C) Very short-term loan (1 day) ✅ 8️⃣ Which institution manages monetary policy in India? A) Finance Ministry B) RBI + Monetary Policy Committee (MPC) C) SEBI D) NITI Aayog 👉 Answer: B) RBI + MPC ✅ 9️⃣ SLR is maintained in the form of A) Cash only B) Gold only C) Cash + Gold + Government securities D) Loans 👉 Answer: C) Cash + Gold + Government securities ✅ 🔟 Which of the following is NOT a function of a commercial bank? A) Accepting deposits B) Granting loans C) Issuing currency D) Credit creation 👉 Answer: C) Issuing currency ❌ 👉 Done by RBI ✅ ━━━━━━━━━━━━━━━━━━━ ⚠️ CONFUSION ZONE ❗️ CRR → Kept with RBI (No interest) ❗️ SLR → Kept with bank itself (earns return) ❗️ Repo → RBI lends to banks ❗️ Reverse Repo → RBI borrows from banks ❗️ MCLR → Internal benchmark ❗️ Repo Linked Rate → External benchmark ❗️ OMO → Affects liquidity directly ❗️ Bank Rate → Long-term signal 🧠 PYQ-LEVEL QUESTION Q. Which of the following statements is INCORRECT? A) RBI is the custodian of foreign exchange reserves B) RBI acts as banker to government C) RBI regulates insurance sector D) RBI controls credit in economy 👉 Answer: C) RBI regulates insurance ❌ 👉 Correct: IRDAI regulates insurance ✅ 🎯 FAST REVISION ⚡️ OMO → Govt securities ⚡️ M1 → No time deposits ⚡️ Call Money → 1 day ⚡️ SLR → Bank holds ⚡️ MPC → Monetary policy