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Latest Central Bank of India SO Digital Channel Manager Exam Question (Objective Questions), MCQ in English

Subjects : Specific Question, Reasoning, Banking, Present Economic Scenario & General Awareness

Question Bank CBI SO (Digital Channel Manager / Digital Application Specialist) Exam - English
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Specific Question

Question 1Single Answer
Which version of UPI introduced the overdraft facility linkage?
  1. A
    UPI 1.0
  2. B
    UPI 2.0
  3. C
    UPI Lite
  4. D
    UPI 123Pay
Question 2Single Answer
In UPI 2.0, the overdraft facility allows users to:
  1. A
    Use offline mode
  2. B
    Only link savings accounts
  3. C
    Perform international transfers
  4. D
    Link their overdraft account to UPI for transactions
Question 3Single Answer
What is the purpose of the "One-time mandate" feature introduced in UPI 2.0?
  1. A
    For international remittances
  2. B
    For recurring monthly payments
  3. C
    To pre-authorise a single transaction for later execution
  4. D
    For offline low-value payments
Question 4Single Answer
"Invoice in the Box" (or Invoice in the Inbox) in UPI 2.0 enables users to:
  1. A
    Link credit cards
  2. B
    Send invoices only
  3. C
    Review the merchant invoice before confirming payment
  4. D
    Perform cash withdrawals
Question 5Single Answer
Which UPI feature was launched to enable low-value, PIN-less transactions from an on-device wallet?
  1. A
    UPI LITE
  2. B
    UPI 123Pay
  3. C
    UPI Global
  4. D
    UPI Autopay
Question 6Single Answer
UPI LITE is primarily designed for:
  1. A
    Recurring subscriptions only
  2. B
    High-value international transfers
  3. C
    Small-value transactions up to ₹500–₹1000 without UPI PIN
  4. D
    Feature phone users exclusively
Question 7Single Answer
What is the key advantage of UPI LITE X (offline extension)?
  1. A
    Requires full internet
  2. B
    Supports offline payments using NFC technology
  3. C
    Only for smartphones
  4. D
    High-value limits
Question 8Single Answer
In UPI LITE, the maximum wallet balance is typically capped at:
  1. A
    ₹10,000
  2. B
    ₹1 lakh
  3. C
    No cap
  4. D
    ₹2000–₹5000 (varies by implementation)
Question 9Single Answer
UPI 123Pay is specifically targeted at:
  1. A
    Feature phone users without internet/smartphone
  2. B
    High-net-worth individuals
  3. C
    International tourists only
  4. D
    Corporate payments
Question 10Single Answer
Which method does UPI 123Pay use for payments on feature phones?
  1. A
    Internet banking
  2. B
    QR scan only
  3. C
    IVR calls, missed calls, app-based, and sound-based proximity
  4. D
    Credit card linkage
Question 11Single Answer
In UPI 123Pay, users can initiate payments by calling a predefined:
  1. A
    Merchant hotline
  2. B
    Toll-free bank number
  3. C
    IVR number
  4. D
    NPCI email
Question 12Single Answer
UPI Global primarily enables:
  1. A
    Domestic only P2P
  2. B
    Cross-border merchant payments and remittances for Indians abroad
  3. C
    Offline low-value
  4. D
    Recurring mandates
Question 13Single Answer
As of recent updates, UPI payments are accepted in countries including:
  1. A
    Only India
  2. B
    Bhutan, Nepal, Singapore, UAE, France, Mauritius, Sri Lanka
  3. C
    USA only
  4. D
    Europe only
Question 14Single Answer
UPI Global is managed by:
  1. A
    RBI directly
  2. B
    NPCI International Payments Limited (NIPL)
  3. C
    Individual banks
  4. D
    Google Pay only
Question 15Single Answer
What is UPI Autopay used for?
  1. A
    Setting up recurring/mandate-based payments like subscriptions
  2. B
    One-time high-value transfers
  3. C
    Offline payments
  4. D
    International only
Question 16Single Answer
According to RBI guidelines, the first registration of a UPI e-mandate requires:
  1. C
    Additional Factor Authentication (AF
Question 17Single Answer
For UPI Autopay recurring transactions above a certain limit (e.g., ₹2000–₹5000), what is required per debit?
  1. A
    No AFA
  2. B
    AFA (e.g., OTP or PIN)
  3. C
    Only notification
  4. D
    Automatic debit
Question 18Single Answer
RBI mandates a pre-debit notification for recurring UPI mandates at least:
  1. A
    1 hour before
  2. B
    24 hours before debit
  3. C
    No notification
  4. D
    After debit
Question 19Single Answer
In UPI mandate management, users can:
  1. A
    Require merchant approval to revoke
  2. B
    Only create mandates
  3. C
    Not revoke
  4. D
    View, modify, or revoke mandates directly in their UPI app
Question 20Single Answer
Which RBI guideline emphasizes explicit consent and transparency for e-mandates in UPI Autopay?
  1. A
    No guidelines
  2. B
    One-time registration with AFA and pre-debit alerts
  3. C
    Automatic approval
  4. D
    Merchant control only
Question 21Single Answer
UPI 2.0's "Signed Intent and QR" enhances:
  1. A
    Recurring payments
  2. B
    Offline mode
  3. C
    International only
  4. D
    Security in merchant transactions
Question 22Single Answer
UPI LITE reduces load on core banking by:
  1. A
    Handling low-value transactions from an on-device wallet
  2. B
    Increasing transaction value
  3. C
    Requiring PIN every time
  4. D
    Using full internet
Question 23Single Answer
In UPI LITE X offline mode, how many debit transactions are typically allowed per day?
  1. A
    Unlimited
  2. B
    Limited (e.g., 1 debit, up to 10 credits)
  3. C
    No offline
  4. D
    Only credits
Question 24Single Answer
UPI 123Pay supports which language options in IVR?
  1. A
    Hindi only
  2. B
    English only
  3. C
    No voice
  4. D
    Multiple regional languages
Question 25Single Answer
Which sound-based method in UPI 123Pay enables contactless payments?
  1. A
    Biometric
  2. B
    QR scan
  3. C
    Internet required
  4. D
    Holding phone near merchant device for audio signal
Question 26Single Answer
UPI Global supports inbound tourists via:
  1. A
    UPI One World wallet (prepaid)
  2. B
    Full bank account linkage
  3. C
    No support
  4. D
    Credit cards only
Question 27Single Answer
For recurring UPI mandates, the first transaction typically requires:
  1. A
    No validation
  2. B
    AFA validation
  3. C
    Merchant OTP
  4. D
    Bank approval only
Question 28Single Answer
RBI allows relaxation of AFA for recurring UPI transactions up to:
  1. A
    Certain threshold (e.g., ₹2000–₹5000, varies by rules)
  2. B
    No relaxation
  3. C
    Unlimited
  4. D
    Only one-time
Question 29Single Answer
Which UPI feature enables "pay later" using credit lines?
  1. A
    Invoice in Box
  2. B
    UPI LITE
  3. C
    UPI 123Pay
  4. D
    Credit on UPI (post-UPI 2.0 evolution)
Question 30Single Answer
UPI Autopay is particularly useful for:
  1. A
    Subscription services, utility bills, insurance premiums
  2. B
    One-time high-value
  3. C
    Offline only
  4. D
    International remittances
Question 31Single Answer
The "Bill-in-a-Box" or invoice feature in UPI 2.0 promotes:
  1. A
    Faster refunds
  2. B
    Transparency before payment confirmation
  3. C
    No invoice
  4. D
    Credit linkage
Question 32Single Answer
UPI LITE wallet top-up is done from:
  1. A
    No top-up
  2. B
    Credit card only
  3. C
    Linked bank account
  4. D
    Merchant
Question 33Single Answer
In UPI 123Pay missed call flow, it is:
  1. A
    Internet required
  2. B
    Expensive
  3. C
    Cost-effective (pay to call, receive callback)
  4. D
    QR only
Question 34Single Answer
UPI Global remittances are enabled via linkages like:
  1. A
    Card only
  2. B
    Only domestic
  3. C
    No remittances
  4. D
    UPI-PayNow (Singapore), similar bilateral corridors
Question 35Single Answer
RBI mandates pre-transaction notification for UPI Autopay debits at least:
  1. A
    24 hours in advance
  2. B
    1 hour
  3. C
    Post-debit
  4. D
    No notification
Question 36Single Answer
For UPI mandates exceeding the AFA relaxation limit, each debit requires:
  1. A
    Merchant approval
  2. B
    Automatic
  3. C
    Fresh AFA (OTP/PIN)
  4. D
    No AFA
Question 37Single Answer
UPI LITE aims to handle approximately what percentage of low-value transactions?
  1. A
    Recurring
  2. B
    High-value only
  3. C
    International
  4. D
    High volume small-value (e.g., <₹200) to reduce core load
Question 38Single Answer
Which UPI 123Pay method uses proximity sound waves?
  1. A
    Missed call
  2. B
    IVR only
  3. C
    Sound-based technology for contactless offline
  4. D
    App scan
Question 39Single Answer
UPI One World wallet for tourists allows:
  1. A
    Credit only
  2. B
    Full banking
  3. C
    No wallet
  4. D
    Prepaid loading for P2M payments without Indian account
Question 40Single Answer
In mandate management, users can revoke a UPI Autopay mandate:
  1. A
    Never
  2. B
    Only with merchant
  3. C
    Anytime via UPI app without merchant permission
  4. D
    Bank only
Question 41Single Answer
UPI 2.0's pre-authorisation mandate is:
  1. A
    International
  2. B
    Recurring unlimited
  3. C
    Offline
  4. D
    One-time use per mandate
Question 42Single Answer
UPI LITE transaction limit per payment is generally:
  1. A
    ₹10
  2. B
    ₹1 lakh
  3. C
    No limit
  4. D
    Up to ₹500–₹1000 (PIN-less)
Question 43Single Answer
UPI 123Pay IVR numbers include examples like:
  1. A
    Bank-specific only
  2. B
    080-4516-3666 or similar NPCI-provided
  3. C
    No number
  4. D
    SMS only
Question 44Single Answer
UPI Global expansion targets:
  1. A
    No expansion
  2. B
    Domestic focus
  3. C
    Offline only
  4. D
    Bilateral linkages with multiple countries for remittances/P2M
Question 45Single Answer
RBI guidelines require AFA for UPI e-mandate:
  1. A
    Merchant side
  2. B
    No AFA
  3. C
    Every transaction
  4. D
    Registration and first transaction
Question 46Single Answer
For UPI Autopay below AFA threshold, subsequent debits are:
  1. A
    Blocked
  2. B
    Manual
  3. C
    Automatic after notification
  4. D
    Require PIN
Question 47Single Answer
UPI LITE supports auto top-up from:
  1. A
    Merchant
  2. B
    No top-up
  3. C
    Linked bank account
  4. D
    Credit card
Question 48Single Answer
In UPI 123Pay, sound-based payments require:
  1. A
    Merchant device emitting audio signal
  2. B
    Internet
  3. C
    QR
  4. D
    Biometric
Question 49Single Answer
UPI One World is targeted at:
  1. A
    Merchants
  2. B
    NRIs only
  3. C
    Domestic
  4. D
    Inbound foreign tourists for P2M payments
Question 50Single Answer
Mandate revocation in UPI Autopay is:
  1. A
    User-initiated via app/bank
  2. B
    Merchant only
  3. C
    Automatic expiry
  4. D
    Irrevocable
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