JAIIB IE & IFS Most Repeated Questions For Nov 2026 | JAIIB Most Important Recollected Questions

Summary

The video is Part 2 of a JAIIB IE & IFS revision series. It reviews questions 26–50 from a set of 75 questions recalled from previous exam attempts, explaining the underlying concepts and identifying the correct choices. The instructor also promotes EduTap’s revision courses and practice tests.

Questions 26–30: Banking, Money Markets and Economic Concepts

• 26. Statutory Liquidity Ratio (SLR): Banks must maintain a prescribed share of their net demand and time liabilities in liquid assets, such as cash, gold and approved government securities. The RBI can use SLR to influence how much banks can lend: a higher SLR leaves less money available for lending. The instructor distinguishes SLR from the Cash Reserve Ratio (CRR), which involves balances held with the RBI.
• 27. Notice money: A short-term, unsecured money-market borrowing with a term of more than one day and up to 14 days. It can help banks manage temporary liquidity shortfalls and meet reserve needs. The instructor identifies scheduled commercial banks, excluding regional rural banks, and primary dealers as participants.
• 28. Giffen goods: An exception to the law of demand. In the example given, a low-income household may buy more of a basic staple even after its price rises because alternatives have also become less affordable. The video contrasts this with the law of supply, diminishing marginal utility and equimarginal utility.
• 29. Capital formation: Investment in assets such as factories, machinery, buildings and infrastructure creates productive capacity and supports economic growth.
• 30. Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF):
  • The LAF manages short-term banking-system liquidity through repo and reverse-repo operations.
  • Repo operations inject liquidity; reverse-repo operations absorb it.
  • The MSF lets eligible scheduled commercial banks borrow overnight from the RBI, including by drawing on SLR securities beyond the minimum requirement.
  • The MSF rate is higher—not lower—than the repo rate.

Questions 31–40: Institutions, Policy and Financial Systems

• 31. Udyamitra Portal: The video describes this SIDBI-launched platform as connecting micro, small and medium enterprises with lenders. Businesses can apply for loans, compare offers and access guidance on government schemes and loan applications. Registration is not mandatory for every MSME seeking credit.
• 32. LIC establishment: The Government of India contributed ₹5 crore in capital when the Life Insurance Corporation was established in 1956.
• 33. Base money: The measure identified is M0. The instructor contrasts it with M1 (narrow money), M3 (broad money) and M4.
• 34. Hicks–Hansen synthesis: Associated with the IS–LM model in Keynesian macroeconomics. IS represents equilibrium in the goods market, while LM represents equilibrium in the money market. Their interaction helps determine equilibrium income and interest rates.
• 35. Alternative reference rates to LIBOR: The video identifies SONIA as the UK’s Sterling Overnight Index Average. It also mentions SOFR in the United States, MIBOR in India and TONAR in Japan.
• 36. Atal Pension Yojana (APY): The stated joining age range is 18–40. A 45-year-old cannot join, even if they have a qualifying savings bank or post-office account.
• 37. Speculative motive for holding money: Under Keynes’s liquidity-preference theory, this is driven mainly by the prevailing interest rate and expectations about future bond prices. Everyday spending relates to the transaction motive, while emergencies relate to the precautionary motive.
• 38. Hire purchase: The hirer can use the asset after signing the agreement, but ownership remains with the seller until the final instalment is paid. The seller may repossess the asset if the hirer defaults. This differs from an instalment sale, where ownership passes earlier.
• 39. Agriculture lending targets for regional rural banks (RRBs): The video states an agriculture target of 18% of adjusted net bank credit (ANBC), or the relevant credit-equivalent off-balance-sheet exposure measure. It also gives a 10%-of-ANBC sub-target for small and marginal farmers and says a 14% non-corporate-farmer target applies.
• 40. Startup India: Its purpose, as presented, is to foster innovation, support long-term economic growth and generate large-scale employment. The instructor distinguishes it from Stand Up India and from initiatives focused on upgrading MSME machinery.

Questions 41–50: Markets, Development and Financial Products

• 41. Chronology of Indian stock exchanges: The sequence given is Bombay Stock Exchange (1875), Over the Counter Exchange of India (1990), National Stock Exchange of India (1992) and Metropolitan Stock Exchange of India (2008).
• 42. Financial-market functions: Markets facilitate trading and liquidity in financial assets and help channel savings into productive uses. They do not guarantee fixed returns on every investment.
• 43. World Bank: The video links its establishment, along with the IMF, to the Bretton Woods Conference.
• 44. Parvatmala / National Ropeway Development Programme: The stated aim is to improve connectivity and mobility in hilly areas through ropeways.
• 45. National Pension System accounts: Tier I is primarily a retirement-savings account with withdrawal restrictions. Tier II is the voluntary savings account described in the video.
• 46. Sustainable Development Goals (SDGs): The UN General Assembly adopted 17 goals in 2015, replacing the Millennium Development Goals. The video says the SDGs took effect in 2016 and include 169 targets addressing areas such as poverty, inequality, climate action and sustainable cities. Their stated end year is 2030.
• 47. What a financial-market transaction requires: Buyers, sellers and securities with prices are needed, but a physical location is not; transactions can take place on online platforms.
• 48. Monetary Policy Committee (MPC): The RBI Governor is identified as an ex-officio member and the committee’s chairperson. The video describes the six-member committee as comprising three RBI members and three external members appointed by the Central Government.
• 49. One Sun One World One Grid (OSOWOG): The initiative aims to create a globally interconnected solar-energy grid so renewable power can be shared across regions.
• 50. Export factoring: In the direct-export-factoring example, the export factor bears the payment risk if the import factor defaults. The video distinguishes this from two-factor, single-factor and maturity factoring.

Closing Course Information

The presenter promotes EduTap’s Bankers Capsule and Super Crash courses, subject-specific options, mock tests, a test series and a ₹1 demo course.

Speakers and Sources Featured

• Speaker: One unnamed EduTap instructor/presenter; no guest speakers are featured.
• Institutions and initiatives discussed: RBI, SIDBI, LIC, the IMF, the World Bank, the UN General Assembly, the MPC, BSE, NSE, the Over the Counter Exchange of India, Metropolitan Stock Exchange of India and the OSOWOG initiative.