Under the RBI's digital lending guidelines, which entity is primarily responsible for the recovery of loans disbursed through a Digital Lending App (DLA)?
A The Digital Lending App (DLA) itself.
B The Lending Service Provider (LSP) associated with the DLA.
C The Regulated Entity (RE) on whose balance sheet the loan is booked.
D Any third-party collection agent appointed by the DLA.
Answer: C
The Regulated Entity (RE), such as a bank or NBFC, on whose balance sheet the loan is booked, bears the ultimate responsibility for all aspects of the loan, including recovery, even if Lending Service Providers (LSPs) are involved.
72.
What is the primary objective of the RBI's enhanced digital lending framework?
A To promote unregulated growth of FinTech companies.
B To ensure fair lending practices and consumer protection.
C To restrict access to digital credit for small borrowers.
D To allow unregulated cross-border digital lending.
Answer: B
The primary objective of the RBI's digital lending framework is to protect borrowers from unfair practices, enhance transparency, and ensure the orderly growth of the digital lending ecosystem.
73.
The humanitarian crisis in the Sahel has led to widespread displacement. In 2026, which of the following is a major consequence of this displacement?
A Increased agricultural productivity due to new farming techniques
B Reduced pressure on local resources and infrastructure
C Heightened food insecurity and increased strain on host communities
D A significant decrease in the spread of infectious diseases
Answer: C
Mass displacement in the Sahel exacerbates food insecurity as people lose their livelihoods and access to food. It also places immense strain on the resources and infrastructure of host communities, often leading to further tensions.
74.
Which of the following international organizations plays a significant role in coordinating humanitarian aid and response efforts in the Sahel region, as of 2026?
A The World Trade Organization (WTO)
B The International Monetary Fund (IMF)
C The United Nations Office for the Coordination of Humanitarian Affairs (OCHA)
D The International Criminal Court (ICC)
Answer: C
The UN OCHA is the primary body responsible for coordinating humanitarian responses globally, including in complex crises like the one in the Sahel, working with various UN agencies and NGOs.
75.
As of 2026, the escalation of the humanitarian crisis in the Sahel region is primarily driven by a combination of factors. Which of the following is NOT a major contributing factor?
A Prolonged droughts and climate change impacts
B Intercommunal violence and ethnic tensions
C Rapid industrialization and job creation
D Activities of armed extremist groups and insurgencies
Answer: C
Rapid industrialization and job creation are generally positive developments and are not a cause for the escalation of humanitarian crises in the Sahel; rather, lack of these contributes to instability.
76.
The India-Japan Maritime Security Dialogue is a bilateral mechanism that contributes to broader regional security architecture. Which of the following best describes its role in the Indo-Pacific?
A It aims to counter China's growing naval influence through a military alliance.
B It focuses on building trust and interoperability between the two navies to address common maritime challenges.
C It seeks to establish a joint maritime patrol force for the South China Sea.
D It is primarily concerned with economic trade routes and has no security implications.
Answer: B
The dialogue fosters trust and enhances interoperability between the Indian and Japanese navies, enabling them to better address shared maritime security concerns and challenges in the Indo-Pacific.
77.
Which of the following is a significant outcome or objective of the ongoing India-Japan Maritime Security Dialogue, as of 2026?
A Establishment of a joint naval base in the Indian Ocean
B Joint development of advanced submarine technology
C Coordinated efforts to ensure a free, open, and inclusive Indo-Pacific
D Sharing of intelligence on North Korean missile programs
Answer: C
A key objective of the dialogue is to promote a free, open, and inclusive Indo-Pacific region, which involves coordinated efforts on maritime security and adherence to international norms.
78.
The India-Japan Maritime Security Dialogue, held in 2026, primarily focuses on enhancing cooperation in which of the following key areas?
A Space exploration and satellite technology
B Counter-terrorism and cyber security
C Maritime domain awareness, capacity building, and freedom of navigation
D Joint military exercises in the Arctic region
Answer: C
The India-Japan Maritime Security Dialogue consistently emphasizes strengthening cooperation in maritime domain awareness, capacity building for maritime security, and upholding freedom of navigation and overflight in accordance with international law.
79.
What was the immediate impact of the Supreme Court's February 2024 interim order concerning the Forest Conservation (Amendment) Act, 2023?
A It allowed for immediate diversion of all forest lands for developmental projects.
B It temporarily halted the implementation of certain provisions of the Forest Conservation (Amendment) Act, 2023, that narrowed the definition of forest.
C It mandated the planting of 10 trees for every tree cut in non-forest areas.
D It transferred all powers of forest management from states to the central government.
Answer: B
The Supreme Court's interim order effectively put a temporary halt on the implementation of certain provisions of the Forest Conservation (Amendment) Act, 2023, which sought to narrow the definition of 'forest'. By directing the continued application of the Godavarman judgment's broader definition, the court ensured that a wider range of forest lands remained protected until further hearings.
80.
The Supreme Court's February 2024 ruling on forest conservation primarily upheld which crucial definition or principle?
A The definition of 'forest' as per the Forest Conservation (Amendment) Act, 2023.
B The broader definition of 'forest' as laid down in the T.N. Godavarman Thirumulpad judgment of 1996.
C The principle that only 'notified forests' are subject to protection.
D The right of states to unilaterally de-notify forest areas.
Answer: B
The Supreme Court's interim order in February 2024 directed that the definition of 'forest' as per the T.N. Godavarman Thirumulpad judgment of 1996 would continue to apply. This judgment had given a wider, dictionary meaning to 'forest', including areas not officially notified as forests but having forest-like characteristics, thus ensuring broader protection.
