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MCQs 2026

141.
The RBI's action to enhance the resolution framework is a part of its broader mandate to ensure:
A Maximum bank profits.
B A robust credit ecosystem.
C Minimal government intervention.
D Rapid financial liberalization.
142.
The streamlining of the process for invoking security interests aims to:
A Make it harder for lenders to recover dues.
B Expedite the recovery of dues for lenders.
C Increase the burden on borrowers.
D Reduce the importance of collateral.
143.
The enhanced framework is expected to provide greater certainty and predictability in the resolution process, which in turn is expected to:
A Discourage fresh lending.
B Encourage fresh lending.
C Increase the cost of borrowing.
D Reduce the availability of credit.
144.
What is a key objective of reducing the NPA burden on banks?
A To increase their risk-taking capacity.
B To improve their profitability and encourage fresh lending.
C To reduce their regulatory compliance.
D To decrease their capital requirements.
145.
What provisions have been introduced regarding restructuring schemes?
A Increased restrictions.
B Greater flexibility.
C A complete ban on restructuring.
D Mandatory restructuring for all stressed assets.
146.
What does the framework emphasize regarding lenders and borrowers?
A Delayed communication.
B Early intervention and proactive engagement.
C Adversarial relationships.
D Ignoring potential issues until they escalate.
147.
What kind of approach to resolution has been introduced?
A A single, uniform approach for all cases.
B A tiered approach with specific timelines for each stage.
C An approach based solely on borrower's request.
D An approach that prioritizes legal action.
148.
What does the enhanced framework introduce regarding the definition of 'stressed assets'?
A A vaguer definition.
B A clearer definition.
C No definition is provided.
D A definition focused only on large corporate loans.
149.
When does the revised framework for resolution of stressed assets become effective?
A July 1, 2026
B August 1, 2026
C September 1, 2026
D October 1, 2026
150.
What is the primary goal of the RBI's enhanced framework for the resolution of stressed assets?
A To increase the number of non-performing assets (NPAs).
B To expedite the resolution process and achieve more efficient outcomes.
C To discourage lending to stressed sectors.
D To increase the complexity of loan restructuring.