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MCQs 2026

151.
The relaxation in the minimum lock-in period for investors is intended to:
A Increase the risk for investors.
B Make investments more liquid and attractive.
C Discourage investment in securitised assets.
D Increase the holding period for all investors.
152.
Which entities are expected to benefit from the participation in the securitisation market under this new framework?
A Only large corporations.
B Banks and non-banking financial companies (NBFCs).
C Individuals seeking personal loans.
D Foreign investors only.
153.
The securitisation of standard assets is expected to contribute significantly to:
A Credit contraction.
B Credit deepening and economic growth.
C Increased inflation.
D Reduced financial innovation.
154.
What is an additional avenue provided to originators by this framework?
A Increasing their debt levels.
B Managing their balance sheets and freeing up capital for fresh lending.
C Reducing their lending capacity.
D Focusing solely on non-performing assets.
155.
The new framework aims to encourage more active participation from which group?
A Retail borrowers.
B Institutional investors.
C Small and medium enterprises (SMEs).
D Government agencies only.
156.
What type of certificate structure has been introduced with reduced regulatory requirements?
A Fixed Income Security (FIS).
B Pass-through certificate (PTC).
C Asset-Backed Security (ABS).
D Collateralized Debt Obligation (CDO).
157.
Which of the following has been relaxed under the new framework?
A Minimum holding period (MHP) for originators.
B Minimum lock-in period for investors.
C Both MHP for originators and lock-in period for investors.
D Valuation of securitised assets.
158.
What is a primary objective of this new securitisation framework?
A To reduce liquidity in the banking system.
B To deepen the securitisation market and enhance liquidity.
C To restrict the flow of credit.
D To increase the regulatory burden on originators.
159.
When does the new framework for securitisation of standard assets become effective?
A April 1, 2026
B June 1, 2026
C August 1, 2026
D October 1, 2026
160.
What has the RBI introduced to simplify the securitisation of standard assets?
A A complex regulatory framework.
B A new, simplified framework.
C A ban on securitisation.
D A framework for distressed assets only.