Which of the following data access practices is strictly prohibited for digital lending apps as per the RBI's enhanced framework?
A Accessing device location for fraud prevention.
B Accessing camera for KYC verification.
C Accessing mobile phone contacts, call logs, or media galleries.
D Accessing microphone for voice-based authentication.
Answer: C
The RBI's digital lending guidelines explicitly prohibit digital lending apps from accessing mobile phone resources such as contacts, call logs, or media galleries. Data collection must be need-based, with explicit consent, and for a specific purpose.
12.
As per the RBI's enhanced digital lending framework, which of the following is a mandatory requirement for loan disbursal and repayment?
A Loans must be disbursed by Lending Service Providers (LSPs) into the borrower's bank account.
B Loans must be disbursed directly into the borrower's bank account by the Regulated Entity (RE) and repayments collected directly by the RE.
C Loans can be disbursed into a digital wallet and repayments collected via an LSP's account.
D Loans can be disbursed by any third-party agent, provided they are registered with the RBI.
Answer: B
The RBI's digital lending guidelines mandate that the loan disbursal and repayment must be executed directly between the Regulated Entity (RE) and the borrower's bank account, without any pass-through or pooling of funds by a Lending Service Provider (LSP). This ensures transparency and accountability.
13.
The Digital India Mission aims to transform India into a digitally empowered society and knowledge economy. Which of the following is NOT a core pillar of the Digital India program?
A Digital Infrastructure as a Core Utility to Every Citizen
B Governance & Services on Demand
C Digital Empowerment of Citizens
D Promoting Cashless Economy through Cryptocurrency
Answer: D
The three core pillars of the Digital India program are Digital Infrastructure as a Core Utility to Every Citizen, Governance & Services on Demand, and Digital Empowerment of Citizens. Promoting a cashless economy through cryptocurrency is not a stated core pillar of the Digital India Mission, although digital payments are promoted through other means.
14.
A significant achievement of the Digital India Mission in expanding e-governance services is the provision of secure digital document storage and verification. Which platform facilitates this?
A e-Hospital
B GeM (Government e-Marketplace)
C DigiLocker
D National Scholarship Portal
Answer: C
DigiLocker is a flagship initiative under the Digital India program aimed at reducing the need for physical documents by providing a secure cloud-based platform for issuance, storage, and verification of documents and certificates.
15.
Which of the following platforms serves as a unified mobile application for accessing various government e-governance services under the Digital India Mission?
A MyGov
B DigiLocker
C UMANG
D e-NAM
Answer: C
The UMANG (Unified Mobile Application for New-age Governance) app provides a single platform to access over 2,000 government services from various central and state departments, making e-governance services accessible on mobile devices.
16.
The PM-KISAN Samman Nidhi scheme is a:
A Centrally Sponsored Scheme with 50:50 funding by Centre and States.
B Central Sector Scheme fully funded by the Government of India.
C State Scheme funded by respective State Governments.
D Public-Private Partnership (PPP) model scheme.
Answer: B
PM-KISAN is a Central Sector Scheme, meaning it is fully funded by the Government of India. The entire financial liability for the scheme is borne by the Union Government.
17.
What is the annual financial benefit provided to eligible farmer families under the PM-KISAN Samman Nidhi scheme?
A βΉ4,000 in two installments
B βΉ6,000 in three installments
C βΉ8,000 in four installments
D βΉ10,000 in five installments
Answer: B
Under the PM-KISAN scheme, eligible landholding farmer families receive an annual financial benefit of βΉ6,000, disbursed in three equal installments of βΉ2,000 each every four months.
18.
When was the 17th installment of the PM-KISAN Samman Nidhi scheme disbursed?
A June 18, 2024
B May 15, 2025
C July 20, 2024
D April 10, 2025
Answer: A
The 17th installment of PM-KISAN was disbursed by Prime Minister Narendra Modi on June 18, 2024, from Varanasi, Uttar Pradesh.
19.
The United Nations General Assembly proclaimed the International Day of the World's Indigenous Peoples in which year?
A 1994
B 2001
C 2007
D 1982
Answer: A
The UN General Assembly proclaimed the International Day of the World's Indigenous Peoples in its resolution 49/214 of 23 December 1994. The first celebration was held in 1995.
20.
What is the primary objective of the International Day of the World's Indigenous Peoples?
A To promote space exploration
B To raise awareness about the rights, contributions, and challenges faced by indigenous peoples
C To celebrate advancements in artificial intelligence
D To encourage international trade agreements
Answer: B
The day aims to raise awareness about the rights of indigenous peoples, including their right to preserve their cultures, languages, traditions, and to seek solutions to the challenges they face.
