Payment Systems MCQ — 2 अभ्यास प्रश्न उत्तर सहित

2 Payment Systems बहुविकल्पीय प्रश्नों का अभ्यास करें, विस्तृत उत्तर और व्याख्या सहित। RAS/RPSC परीक्षा की तैयारी के लिए आदर्श।

2 प्रश्न भारतीय अर्थव्यवस्था

Q1. With reference to Pay Point India Network's direct membership of the Reserve Bank of India's Centralised Payment System (CPS) confirmed on April 24, 2026, consider the following statements: 1. Pay Point India is the first private fintech firm to gain direct membership of the CPS and has been allotted its own IFSC code with a current account and a settlement account directly at the RBI. 2. Through direct CPS membership, Pay Point India can access only the National Electronic Funds Transfer (NEFT) system and not the Real Time Gross Settlement (RTGS) system. Which of the statements given above is/are correct?

A 1 only Correct

B 2 only

C Both 1 and 2

D Neither 1 nor 2

Explanation

Statement 1 is correct: Pay Point India is the first private fintech to gain direct CPS membership with its own IFSC code and current and settlement accounts at the RBI. Statement 2 is incorrect because direct CPS membership gives Pay Point India access to BOTH RTGS (high-value real-time transfers) and NEFT (retail batch payments).

Q2. Consider the following with reference to the Reserve Bank of India's Centralised Payment System and the Pay Point India onboarding announced on April 24, 2026: Assertion (A): Pay Point India Network's direct membership of the RBI's Centralised Payment System reduces transaction costs and improves settlement-finality risk for the firm. Reason (R): Direct access to RTGS and NEFT eliminates the need for transactions to be routed through a sponsor bank as a sub-member. Select the correct option using the codes given below.

A Both A and R are true and R is the correct explanation of A Correct

B Both A and R are true and R is NOT the correct explanation of A

C A is true but R is false

D A is false but R is true

Explanation

Both Assertion and Reason are true, and Reason correctly explains Assertion. Direct CPS membership eliminates the sponsor-bank routing that was required when fintechs operated as sub-members, which is precisely why transaction costs fall, settlement is faster and the settlement-finality risk linked to intermediary routing is reduced. Hence option A is correct.

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Payment Systems के कितने MCQ प्रश्न उपलब्ध हैं?

Aspirant Academy पर 2 Payment Systems अभ्यास MCQ उपलब्ध हैं, प्रत्येक प्रश्न के लिए विस्तृत उत्तर और व्याख्या सहित।

क्या Payment Systems MCQ के लिए उत्तर और व्याख्याएँ दी गई हैं?

हाँ, Payment Systems के प्रत्येक प्रश्न के साथ सही उत्तर और विस्तृत व्याख्या दी गई है ताकि आप मूल अवधारणा को समझ सकें।

Payment Systems RAS/RPSC परीक्षा के लिए कैसे प्रासंगिक है?

Payment Systems RAS/RPSC पाठ्यक्रम के भारतीय अर्थव्यवस्था अनुभाग के अंतर्गत आता है। यह एक नियमित रूप से परीक्षा में पूछा जाने वाला क्षेत्र है और इन MCQ के नियमित अभ्यास से आपकी तैयारी मजबूत होगी।

क्या मैं Payment Systems के प्रश्नों का हिंदी में अभ्यास कर सकता हूँ?

हाँ, Aspirant Academy द्विभाषी समर्थन प्रदान करता है। आप Payment Systems MCQ का अंग्रेजी और हिंदी दोनों में अभ्यास कर सकते हैं, जिसमें प्रश्न, विकल्प और व्याख्या शामिल हैं।

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Payment Systems MCQ — 2 अभ्यास प्रश्न उत्तर सहित

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