Section · Trust
How accurate our answers are
We keep 50 real banker questions. Each one has a right answer and a right paragraph in a Reserve Bank document. A machine asks our answer engine all 50 questions and marks each reply. A reply is right only if it names the right document and carries the right facts. Every rule we quote is read from rbi.org.in.
This page shows the last reading, the day it was taken, and all 50 questions. Nothing here is typed by hand.
- Questions we test on50
- ScoreNo full reading yet
- Reading taken21 October 2026
- Questions read0 of 50
- Right of those readnone read
There is no full score yet
The last reading was taken on 21 October 2026, 6:51 am IST.
The answer engine could not be reached for 50 of the 50 questions that run.
A question that never reached the engine tells us nothing about the quality of an answer.
So we do not turn a part reading into a score. We wait for a run that reaches every question.
The 0 questions that were read are marked below, with the day each one was read.
A machine asks all 50 questions every 12 hours. If the last reading is more than 26 hours old, this page says so above, because a reading that is not being taken is not a reading.
How a reply is marked
- Right
- Wrong
- Not read
The questions we test on
Written on 15 September 2026. The set is fixed, so a score on one day can be compared with a score on another.
| No. | Question | Subject | Who it is for | The right answer comes from | Last reading | Read on |
|---|---|---|---|---|---|---|
| 1 | A walk-in customer wants to do a single cash transaction at our branch. At what amount does full customer identification become compulsory? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 5(2) | Not read | 21 October 2026 |
| 2 | How often must a commercial bank refresh the KYC papers of a high risk customer? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 42(1) | Not read | 21 October 2026 |
| 3 | How often must a commercial bank refresh the KYC papers of a medium risk customer? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 42(1) | Not read | 21 October 2026 |
| 4 | How often must a commercial bank refresh the KYC papers of a low risk customer? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 42(1) | Not read | 21 October 2026 |
| 5 | How often must a commercial bank review the risk category it has put a customer in? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 41(1) | Not read | 21 October 2026 |
| 6 | For how long must a commercial bank keep its transaction records under the KYC rules? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 50(1) | Not read | 21 October 2026 |
| 7 | What is the highest balance allowed in an account opened with an Aadhaar one-time password? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 25(3) | Not read | 21 October 2026 |
| 8 | What is the monthly limit on withdrawals and transfers together from a small account? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 28(2) | Not read | 21 October 2026 |
| 9 | Within how many days must a new customer's KYC record be sent to the central KYC registry? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 65(2) | Not read | 21 October 2026 |
| 10 | A customer has told us their address has changed. Within how long must that change reach the bank's own records? | KYC and AML | Commercial bank | Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (Updated as on December 29, 2025) Para 42(6) | Not read | 21 October 2026 |
| 11 | Our cashier has found a note to be counterfeit. What must the branch do with that note? | Currency and counterfeit notes | All banks | Master Direction on Counterfeit Notes – Detection, Reporting and Monitoring Para 3 | Not read | 21 October 2026 |
| 12 | How many counterfeit notes detected in one transaction must be reported to the police at once? | Currency and counterfeit notes | All banks | Master Direction on Counterfeit Notes – Detection, Reporting and Monitoring Para 5(04) | Not read | 21 October 2026 |
| 13 | Does the customer get anything in writing when the branch impounds their note as counterfeit? | Currency and counterfeit notes | All banks | Master Direction on Counterfeit Notes – Detection, Reporting and Monitoring Para 4 | Not read | 21 October 2026 |
| 14 | By what date each month must a bank send RBI its count of counterfeit notes detected? | Currency and counterfeit notes | All banks | Master Direction on Counterfeit Notes – Detection, Reporting and Monitoring Para 10 | Not read | 21 October 2026 |
| 15 | When is the forged note vigilance cell's half-yearly report to RBI due? | Currency and counterfeit notes | All banks | Master Direction on Counterfeit Notes – Detection, Reporting and Monitoring Para 9 | Not read | 21 October 2026 |
| 16 | When does a term loan at a commercial bank become a non-performing asset? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 42(1) | Not read | 21 October 2026 |
| 17 | When does a credit card account become a non-performing asset? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 42(10) | Not read | 21 October 2026 |
| 18 | What makes a loan a substandard asset? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 5(12) | Not read | 21 October 2026 |
| 19 | What makes a loan a doubtful asset? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 5(2) | Not read | 21 October 2026 |
| 20 | What provision must a commercial bank hold against a substandard asset? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 85 | Not read | 21 October 2026 |
| 21 | What total provision is needed on an unsecured substandard loan? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 86 | Not read | 21 October 2026 |
| 22 | A working capital limit has not been reviewed for a long time. When does that by itself make the account non-performing? | Asset classification and provisioning | Commercial bank | Reserve Bank of India (Commercial Banks – Income Recognition, Asset Classification and Provisioning) Directions, 2025 Para 42(5) | Not read | 21 October 2026 |
| 23 | What is the minimum total capital to risk weighted assets ratio a commercial bank must hold? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 11(1) | Not read | 21 October 2026 |
| 24 | What is the minimum common equity Tier 1 ratio for a commercial bank? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 11(2) | Not read | 21 October 2026 |
| 25 | What is the minimum Tier 1 capital ratio for a commercial bank? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 11(3) | Not read | 21 October 2026 |
| 26 | What capital buffer sits on top of the minimum core capital requirement? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 11(5) | Not read | 21 October 2026 |
| 27 | What risk weight applies to a claim that sits inside the regulatory retail portfolio? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 50 | Not read | 21 October 2026 |
| 28 | What risk weight applies to credit card receivables? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 71 | Not read | 21 October 2026 |
| 29 | What risk weight applies to consumer credit, including personal loans? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 71 | Not read | 21 October 2026 |
| 30 | What is the minimum leverage ratio for a domestic systemically important bank, and for every other bank? | Capital adequacy | Commercial bank | Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025 Para 262 | Not read | 21 October 2026 |
| 31 | For a commercial bank, what is the loan to value limit on a gold consumption loan of up to two lakh fifty thousand rupees? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 44 | Not read | 21 October 2026 |
| 32 | For a commercial bank, what is the loan to value limit on a gold consumption loan between two lakh fifty thousand and five lakh rupees? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 44 | Not read | 21 October 2026 |
| 33 | For a commercial bank, what is the loan to value limit on a gold consumption loan above five lakh rupees? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 44 | Not read | 21 October 2026 |
| 34 | Above what amount does a commercial bank's loan against gold or silver need a full check of the borrower's repayment capacity? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 34 | Not read | 21 October 2026 |
| 35 | How long may a commercial bank's bullet repayment consumption loan against gold run? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 39 | Not read | 21 October 2026 |
| 36 | In a digital lending arrangement, within how long must a commercial bank invoke the default loss guarantee after the loan falls overdue? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 27(1) | Not read | 21 October 2026 |
| 37 | What is the cap on default loss guarantee cover a commercial bank may agree in a digital lending arrangement? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 24(1) | Not read | 21 October 2026 |
| 38 | When does pre-shipment packing credit stop counting as export credit? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 235 | Not read | 21 October 2026 |
| 39 | At what size does a project loan need a techno-economic viability study? | Credit facilities | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025 Para 82 | Not read | 21 October 2026 |
| 40 | Which loans must a commercial bank report to CRILC, and how often? | Stressed assets | Commercial bank | Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on July 01, 2026) Para 17 | Not read | 21 October 2026 |
| 41 | How many independent credit evaluations does a resolution plan need for an exposure of five hundred crore rupees or more? | Stressed assets | Commercial bank | Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on July 01, 2026) Para 34 | Not read | 21 October 2026 |
| 42 | How long do lenders get to put a resolution plan into effect once the review period starts? | Stressed assets | Commercial bank | Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on July 01, 2026) Para 39(1) | Not read | 21 October 2026 |
| 43 | After a compromise settlement, how long must a bank wait before it lends to that borrower again? | Stressed assets | Commercial bank | Reserve Bank of India (Commercial Banks – Resolution of Stressed Assets) Directions, 2025 (updated as on July 01, 2026) Para 96 | Not read | 21 October 2026 |
| 44 | What is the minimum net stable funding ratio a commercial bank must keep? | Asset liability management | Commercial bank | Reserve Bank of India (Commercial Banks – Asset Liability Management) Directions, 2025 Para 211 | Not read | 21 October 2026 |
| 45 | What is the ceiling on a commercial bank's inter-bank liabilities? | Asset liability management | Commercial bank | Reserve Bank of India (Commercial Banks – Asset Liability Management) Directions, 2025 Para 53(1) | Not read | 21 October 2026 |
| 46 | A customer's complaint about their credit information report has not been settled in thirty days. What compensation is due to them? | Credit information reporting | Commercial bank | Reserve Bank of India (Commercial Banks – Credit Information Reporting) Directions, 2025 Para 35(1) | Not read | 21 October 2026 |
| 47 | A customer of an urban co-operative bank has had no reply for thirty days. What can that customer do next? | Customer service | Urban co-operative bank | Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025 Para 61 | Not read | 21 October 2026 |
| 48 | How many new branches may an eligible urban co-operative bank open in a year without asking RBI first? | Branch authorisation | Urban co-operative bank | Reserve Bank of India (Urban Co-operative Banks - Branch Authorisation) Directions, 2025 Para 20 | Not read | 21 October 2026 |
| 49 | What liquidity coverage ratio must a non-banking financial company keep? | Asset liability management | Non-banking financial company | Reserve Bank of India (Non-Banking Financial Companies – Asset Liability Management) Directions, 2025 (Updated as on July 01, 2026) Para 62 | Not read | 21 October 2026 |
| 50 | How often must a commercial bank scan its critical systems for weaknesses, and how often must it run an attack test? | Cybersecurity and technology risk | Commercial bank | Reserve Bank of India (Commercial Banks – Cybersecurity, Technology: Risk, Resilience and Assurance Framework) Directions, 2026 Para 151 | Not read | 21 October 2026 |