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MCQs 2026

131.
The regulatory treatment of securitised assets has become more:
A Restrictive.
B Flexible.
C Opaque.
D Complex.
132.
The updated framework aims to improve liquidity for:
A End consumers.
B Originators.
C Government agencies.
D International bodies.
133.
Who are referred to as 'originators' in the context of securitisation?
A Investors who buy the securities.
B Banks and NBFCs that pool assets.
C Regulators overseeing the process.
D Credit rating agencies.
134.
The revised framework seeks to strike a balance between:
A Market activity and financial instability.
B Promoting market activity and maintaining prudential standards.
C Innovation and stagnation.
D Liquidity and illiquidity.
135.
Enhanced disclosure requirements are part of the updated framework for:
A Originators only.
B Securitisation transactions.
C Investors only.
D Regulatory bodies only.
136.
The RBI's objective is to encourage more active participation in the securitisation market to support:
A Credit contraction.
B Credit growth and financial sector development.
C Increased interest rates.
D Reduced lending.
137.
Which of the following is a key change in the updated framework?
A A longer minimum holding period for originators.
B A more flexible approach to the regulatory treatment of securitised assets.
C Reduced disclosure requirements.
D Discouraging participation in the securitisation market.
138.
What is securitisation?
A A process of creating new loans.
B A process where a pool of assets is converted into securities for sale to investors.
C A method of debt recovery.
D A form of direct lending.
139.
When do the revised guidelines for securitisation of standard assets come into effect?
A April 1, 2026
B October 1, 2026
C August 1, 2026
D January 1, 2027
140.
What is the primary purpose of the RBI's updated framework for securitisation of standard assets?
A To restrict the securitisation market.
B To deepen the securitisation market and improve liquidity for originators.
C To increase the cost of securitisation.
D To discourage the sale of loans.