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Latest CAIIB Banking Regulations and Business Laws Exam Question (Objective Questions), MCQ in English

Subjects : Banking Regulations and Business Laws

Question Bank CAIIB Banking Regulations and Business Laws Exam Paper 4 - English
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Banking Regulations and Business Laws

Question 1Single Answer
Which act governs the regulation of banks in India?
  1. A
    RBI Act, 1934
  2. B
    Banking Regulation Act, 1949
  3. C
    Companies Act, 2013
  4. D
    Negotiable Instruments Act, 1881
Question 2Single Answer
Which institution is the primary regulator of banks in India?
  1. A
    SEBI
  2. B
    IRDAI
  3. C
    RBI
  4. D
    NABARD
Question 3Single Answer
Which section of the RBI Act, 1934, empowers the Reserve Bank of India to regulate monetary policy?
  1. A
    Section 42
  2. B
    Section 45
  3. C
    Section 7
  4. D
    Section 22
Question 4Single Answer
Under Which Act does the government regulate cooperative banks?
  1. A
    Banking Regulation Act, 1949
  2. B
    Reserve Bank of India Act, 1934
  3. C
    Companies Act, 2013
  4. D
    Cooperative Societies Act
Question 5Single Answer
Which of the following is NOT regulated by RBI?
  1. A
    Scheduled Commercial Banks
  2. B
    Non-Banking Financial Companies (NBFCs)
  3. C
    Housing Finance Companies (HFCs)
  4. D
    Stock Exchanges
Question 6Single Answer
Which act empowers RBI to regulate NBFCs?
  1. A
    RBI Act, 1934
  2. B
    Companies Act, 2013
  3. C
    SEBI Act, 1992
  4. D
    Banking Regulation Act, 1949
Question 7Single Answer
Which section of the Banking Regulation Act, 1949, empowers RBI to issue licenses to banks?
  1. A
    Section 22
  2. B
    Section 24
  3. C
    Section 35
  4. D
    Section 42
Question 8Single Answer
What is the primary objective of RBI as per the RBI Act, 1934?
  1. A
    Control inflation
  2. B
    Regulate banking operations
  3. C
    Issue currency and manage monetary policy
  4. D
    Manage foreign exchange
Question 9Single Answer
Which section of the Banking Regulation Act, 1949, deals with restrictions on loans and advances?
  1. A
    Section 20
  2. B
    Section 24
  3. C
    Section 30
  4. D
    Section 40
Question 10Single Answer
Which entity has control over public sector banks?
  1. A
    RBI
  2. B
    SEBI
  3. C
    IRDAI
  4. D
    Central Government
Question 11Single Answer
What is the minimum capital required for a Small Finance Bank as per RBI guidelines?
  1. A
    100 crore
  2. B
    200 crore
  3. C
    500 crore
  4. D
    300 crore
Question 12Single Answer
Who appoints the Chairman of a public sector bank?
  1. A
    RBI
  2. B
    SEBI
  3. C
    Central Government
  4. D
    IRDAI
Question 13Single Answer
Which authority regulates the insurance business in India?
  1. A
    SEBI
  2. B
    IRDAI
  3. C
    RBI
  4. D
    NABARD
Question 14Single Answer
Which regulatory body oversees the stock market in India?
  1. A
    SEBI
  2. B
    RBI
  3. C
    IRDAI
  4. D
    PFRDA
Question 15Single Answer
Which of the following banks are NOT under RBI's regulation?
  1. A
    Cooperative Banks
  2. B
    Private Banks
  3. C
    Regional Rural Banks
  4. D
    Foreign Banks
Question 16Single Answer
The Banking Ombudsman scheme is governed under Which act?
  1. A
    RBI Act, 1934
  2. B
    Banking Regulation Act, 1949
  3. C
    Companies Act, 2013
  4. D
    Consumer Protection Act, 2019
Question 17Single Answer
Which entity provides deposit insurance in India?
  1. A
    SEBI
  2. B
    IRDAI
  3. C
    DICGC
  4. D
    RBI
Question 18Single Answer
Which of the following is NOT a function of RBI?
  1. A
    Issue currency
  2. B
    Control inflation
  3. C
    Regulate stock markets
  4. D
    Act as a lender of last resort
Question 19Single Answer
Which of the following is regulated by PFRDA?
  1. A
    Mutual Funds
  2. B
    Insurance Companies
  3. C
    Pension Funds
  4. D
    Housing Finance Companies
Question 20Single Answer
Which Act governs foreign exchange transactions in India?
  1. A
    RBI Act, 1934
  2. B
    FEMA, 1999
  3. C
    SEBI Act, 1992
  4. D
    Negotiable Instruments Act, 1881
Question 21Single Answer
Which section of the Banking Regulation Act, 1949, deals with licensing of banks?
  1. A
    Section 22
  2. B
    Section 25
  3. C
    Section 30
  4. D
    Section 35
Question 22Single Answer
What is the minimum capital required for a Universal Bank as per RBI guidelines?
  1. A
    200 crore
  2. B
    500 crore
  3. C
    1000 crore
  4. D
    300 crore
Question 23Single Answer
Which body approves the appointment of CEOs of Public Sector Banks?
  1. A
    SEBI
  2. B
    RBI
  3. C
    Finance Ministry
  4. D
    IRDAI
Question 24Single Answer
Which term refers to RBI's ability to regulate the board of directors of a bank?
  1. A
    Board Control
  2. B
    Management Oversight
  3. C
    Corporate Governance
  4. D
    Director Supervision
Question 25Single Answer
Which of the following can be a subsidiary of a banking company?
  1. A
    Insurance Company
  2. B
    Housing Finance Company
  3. C
    Mutual Fund
  4. D
    All of the above
Question 26Single Answer
Which section of the Banking Regulation Act, 1949, gives RBI the power to issue directions to banks?
  1. A
    Section 35A
  2. B
    Section 24
  3. C
    Section 20
  4. D
    Section 30
Question 27Single Answer
Which Act regulates payment and settlement systems in India?
  1. A
    Payment and Settlement Systems Act, 2007
  2. B
    Banking Regulation Act, 1949
  3. C
    RBI Act, 1934
  4. D
    Companies Act, 2013
Question 28Single Answer
Which entity operates the Banking Ombudsman Scheme?
  1. A
    SEBI
  2. B
    RBI
  3. C
    IRDAI
  4. D
    Finance Ministry
Question 29Single Answer
Which section of the Banking Regulation Act, 1949, regulates loans and advances?
  1. A
    Section 20
  2. B
    Section 35A
  3. C
    Section 45
  4. D
    Section 18
Question 30Single Answer
What is the maximum amount covered under DICGC insurance for depositors?
  1. A
    1 lakh
  2. B
    2 lakh
  3. C
    5 lakh
  4. D
    10 lakh
Question 31Single Answer
Who regulates internet banking guidelines in India?
  1. A
    SEBI
  2. B
    RBI
  3. C
    IRDAI
  4. D
    Finance Ministry
Question 32Single Answer
Which of the following is NOT a component of money market instruments?
  1. A
    Treasury Bills
  2. B
    Commercial Paper
  3. C
    Corporate Bonds
  4. D
    Certificate of Deposit
Question 33Single Answer
Which Act regulates the transfer of funds through electronic means?
  1. A
    IT Act, 2000
  2. B
    Payment and Settlement Systems Act, 2007
  3. C
    Banking Regulation Act, 1949
  4. D
    FEMA, 1999
Question 34Single Answer
Which agency is responsible for consumer grievances in banking services?
  1. A
    RBI
  2. B
    SEBI
  3. C
    IRDAI
  4. D
    Banking Ombudsman
Question 35Single Answer
Which of the following is regulated under the SARFAESI Act, 2002?
  1. A
    Asset Reconstruction
  2. B
    Digital Payments
  3. C
    Currency Printing
  4. D
    Inflation Control
Question 36Single Answer
What is the minimum capital requirement for an NBFC?
  1. A
    2 crore
  2. B
    5 crore
  3. C
    10 crore
  4. D
    100 crore
Question 37Single Answer
Which Act governs the nomination facility for bank accounts?
  1. A
    Companies Act, 2013
  2. B
    Banking Regulation Act, 1949
  3. C
    RBI Act, 1934
  4. D
    Government Securities Act, 2006
Question 38Single Answer
Which type of banking is regulated by RBI under the Small Finance Banks Licensing Policy?
  1. A
    Cooperative Banking
  2. B
    Universal Banking
  3. C
    Niche Banking
  4. D
    Regional Banking
Question 39Single Answer
Which of the following can accept deposits but is NOT a bank?
  1. A
    Mutual Fund
  2. B
    NBFC
  3. C
    Insurance Company
  4. D
    Cooperative Society
Question 40Single Answer
Which institution is responsible for strengthening financial stability in India?
  1. A
    SEBI
  2. B
    IRDAI
  3. C
    RBI
  4. D
    Finance Ministry
Question 41Single Answer
Which section of the Banking Regulation Act, 1949, regulates the opening of new branches?
  1. A
    Section 22
  2. B
    Section 35
  3. C
    Section 24
  4. D
    Section 31
Question 42Single Answer
Which regulatory framework controls foreign investments in the banking sector?
  1. A
    FEMA, 1999
  2. B
    SEBI Act, 1992
  3. C
    Companies Act, 2013
  4. D
    Banking Regulation Act, 1949
Question 43Single Answer
Which RBI committee formulates guidelines for banking regulations?
  1. A
    Basel Committee
  2. B
    Monetary Policy Committee
  3. C
    Financial Stability and Development Council
  4. D
    Financial Inclusion Advisory Committee
Question 44Single Answer
Which Act governs financial fraud in banking transactions?
  1. A
    Banking Regulation Act, 1949
  2. B
    RBI Act, 1934
  3. C
    Prevention of Money Laundering Act, 2002
  4. D
    Companies Act, 2013
Question 45Single Answer
What is the main function of the Basel Committee on Banking Supervision (BCBS)?
  1. A
    Regulate stock markets
  2. B
    Set global banking supervision standards
  3. C
    Manage monetary policy
  4. D
    Monitor foreign exchange reserves
Question 46Single Answer
Which type of deposit is NOT regulated by RBI?
  1. A
    Fixed Deposits
  2. B
    Recurring Deposits
  3. C
    Demand Deposits
  4. D
    Cooperative Deposits
Question 47Single Answer
Which regulatory body governs digital payment systems in India?
  1. A
    SEBI
  2. B
    RBI
  3. C
    NPCI
  4. D
    IRDAI
Question 48Single Answer
Which of the following is NOT classified as a Non-Banking Financial Institution?
  1. A
    Insurance Companies
  2. B
    Housing Finance Companies
  3. C
    Commercial Banks
  4. D
    Microfinance Institutions
Question 49Single Answer
Which agency regulates money laundering in India?
  1. A
    Enforcement Directorate (ED)
  2. B
    SEBI
  3. C
    RBI
  4. D
    CBI
Question 50Single Answer
Which regulatory guideline ensures financial stability in the banking sector?
  1. A
    Basel III Norms
  2. B
    SEBI Guidelines
  3. C
    IRDAI Act
  4. D
    FEMA Guidelines
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