Dear Readers, Daily Current Affairs Questions Quiz for SBI, IBPS, RBI, RRB, SSC Exam 2025 of 13th November 2025. Daily GK quiz online for bank & competitive exam. Here we have given the Daily Current Affairs Quiz based on the previous days Daily Current Affairs updates. Candidates preparing for IBPS, SBI, RBI, RRB, SSC Exam 2025 & other competitive exams can make use of these Current Affairs Quiz.

 

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1) Which international institution partnered with Axis Max Life Insurance Limited and Axis Bank to promote inclusive life insurance services in India through an investment of ₹285 crore?

(a) International Finance Corporation (IFC)

(b) Asian Development Bank (ADB)

(c) World Economic Forum (WEF)

(d) International Monetary Fund (IMF)

(e) New Development Bank (NDB)

2) What is the name of the newly formed subsidiary under the National Payments Corporation of India (NPCI) aimed at fostering innovation in the fintech and digital payments ecosystem?

(a) NPCI SmartPay Solutions Limited (NSSL)

(b) NPCI Digital Labs Limited (NDLL)

(c) NPCI Fintech Innovations Limited (NFIL)

(d) NPCI Future Payments Limited (NFPL)

(e) NPCI Tech Solutions Limited (NTSL)

3) As per the news, the Reserve Bank of India (RBI) has proposed to raise limits on IPO financing and loans against shares (LAS) to encourage greater participation and improve liquidity in capital markets. What is the proposed new limit for Loans Against Shares (LAS)?

(a) ₹20 lakh

(b) ₹25 lakh

(c) ₹50 lakh

(d) ₹1 crore

(e) ₹1.5 crore

4) According to the recent RBI circular regarding equated periodic instalments (EPI) applies specifically to which category of loans?

(a) Home loans

(b) Education loans

(c) Personal loans

(d) Vehicle loans

(e) Agricultural loans

5) Under the Payment and Settlement Systems Act, 2007 (PSS Act, 2007), which of the following regulations came into effect on 20 May 2025 to govern the constitution, composition, and functioning of the Payments Regulatory Board (PRB)?

(a) Payment and Settlement Systems Regulations, 2025

(b) Payments Regulatory Board Regulations, 2025

(c) Banking Regulation Act, 1949

(d) Financial Stability and Development Council Regulations, 2015

(e) Payment Infrastructure Regulations, 2025

6) The Unique Identification Authority of India (UIDAI) has partnered with which global research consultancy to promote the adoption of the Mandatory Biometric Update (MBU) for children aged 5 and 15 years?

(a) Behavioural Insights Limited (BIL)

(b) International Data Corporation (IDC)

(c) Deloitte Insights Lab

(d) McKinsey Global Institute

(e) PricewaterhouseCoopers (PwC)

7) During the Prime Minister of India’s visit to Bhutan, which Hydroelectric Project with a capacity of 1020 MW was inaugurated to strengthen bilateral energy cooperation?

(a) Mangdechhu Hydroelectric Project

(b) Punatsangchhu-I Hydroelectric Project

(c) Punatsangchhu-II Hydroelectric Project

(d) Kurichhu Hydroelectric Project

(e) Sankosh Hydroelectric Project

8) As per the news, India’s first megawatt-hour (MWh)-scale Vanadium Redox Flow Battery (VRFB) system has been installed at which facility?

(a) NTPC NETRA, Noida

(b) BHEL R&D Centre, Hyderabad

(c) IIT Madras Research Park, Chennai

(d) CSIR-NPL, New Delhi

(e) ONGC Energy Centre, Dehradun

9) In Nov’25, Union Cooperation Minister Amit Shah launched which two mobile applications to promote the digital transformation of Urban Cooperative Banks (UCBs)?

(a) Digi Sahakar Pay and Digi Sahakar Loan

(b) Sahakar Credit App and Sahakar UPI Pay

(c) Co-op Pay and Co-op Loan Connect

(d) Sahakar Smart Pay and Sahakar Finance App

(e) Sahakar Digi Pay and Sahakar Digi Loan

10) In Nov’25, the Union Ministry of Rural Development launched the ‘Watershed Mahotsav’ in which Indian state to promote community-led water rejuvenation and sustainable rural transformation?

(a) Andhra Pradesh

(b) Madhya Pradesh

(c) Maharashtra

(d) Karnataka

(e) Gujarat

11) As per the news, Bangladesh became the first South Asian country and the 56th globally to join which international agreement related to transboundary water management?

(a) Paris Climate Agreement

(b) UN Water Convention

(c) Ramsar Convention

(d) UN Framework Convention on Climate Change

(e) Global Water Security Pact

12) How many winners were selected across various categories for the 6th National Water Awards (NWA) 2024 at New Delhi?

(a) 36

(b) 40

(c) 42

(d) 46

(e) 50

13) Which state won the 1st prize in the Best State category at the 6th National Water Awards (NWA) 2024?

(a) Gujarat

(b) Haryana

(c) Maharashtra

(d) Karnataka

(e) Madhya Pradesh

14) What is India’s rank in the Global Climate Risk Index (CRI) 2025 released by Germanwatch during the UN Climate Summit (COP30) in Belem, Brazil?

(a) 9th

(b) 10th

(c) 15th

(d) 17th

(e) 18th

15) Who among the following has been newly inducted as a trustee of the Sir Dorabji Tata Trust (SDTT) effective November 11, 2025?

(a) Venu Srinivasan and Ratan Tata

(b) Neville Tata and Bhaskar Bhat

(c) N. Chandrasekaran and Noel Tata

(d) Cyrus Mistry and Bhaskar Bhat

(e) Noel Tata and R. Gopalakrishnan

16) Who has been officially sworn in as the United States Ambassador to India on November 11, 2025?

(a) Kenneth Juster

(b) Nikki Haley

(c) Eric Garcetti

(d) Richard Verma

(e) Sergio Gor

17) Who has been appointed as the first-ever woman to lead UN Tourism in its 50-year history?

(a) Shaikha Nasser Al Nowais

(b) Zurab Pololikashvili

(c) Natalia Bayona

(d) Audrey Azoulay

(e) Rania Al-Mashat

18) Who has been appointed as the Chief Executive Officer (CEO) and Executive Director of Britannia Industries for a five-year term effective December 15, 2025?

(a) Himanshu Kapania

(b) Rakshit Hargave

(c) Aditya Birla

(d) Sunil Duggal

(e) Sanjiv Mehta

19) The 6^th edition of India-Vietnam Army Exercise VINBAX primarily focuses on enhancing interoperability and sharing best practices in which area?

(a) Counter-Terrorism Operations

(b) Border Security Operations

(c) United Nations Peacekeeping Operations (UNPKO)

(d) Maritime Defence Exercises

(e) Cyber Warfare and Intelligence Sharing

20) As per the news, Lenskart is set to launch its first AI-powered smart glasses called “B by Lenskart Smartglasses” by December 2025. Which chipset will power this device?

(a) MediaTek Dimensity 9300

(b) Apple M2 Vision

(c) Samsung Exynos XR2

(d) Intel Movidius AI Core

(e) Qualcomm Snapdragon AR1 Gen 1

21) In news, World Usability Day 2025 is observed on which date to promote user-friendly design and improved user experience (UX)?

(a) 10th November

(b) 11th November

(c) 12th November

(d) 13th November

(e) 14th November

22) In news, World Kindness Day 2025 was observed on which date to promote compassion, empathy, and goodwill among individuals and communities?

(a) 10th November

(b) 13th November

(c) 12th November

(d) 14th November

(e) 15th November

23) The definition of personal loans can be referred to in which RBI document dated January 4, 2018?

(a) XBRL Returns – Harmonization of Banking Statistics

(b) Master Circular – Prudential Norms on Income Recognition

(c) RBI Annual Report 2018

(d) Master Direction – Credit Information Companies

(e) Basel III Framework Guidelines

24) As per the report, Dishonour of electronic fund transfer due to insufficient funds is an offence under which Section of the Negotiable Instruments Act, 1881?

(a) Section 24

(b) Section 23

(c) Section 25

(d) Section 138

(e) Section 140

25) Which state’s Tourism Department has won the Global Tourism Award 2025 for its exceptional initiatives in promoting tourism?

(a) Kerala

(b) Gujarat

(c) Tamil Nadu

(d) Rajasthan

(e) Andhra Pradesh

Answers :

1) Answer: A

Short Explanation:

Axis Max Life Insurance Limited, a Joint Venture (JV) between Max Financial Services Limited (MFSL) and Axis Bank Limited, partnered with the International Finance Corporation (IFC), the lending arm of the World Bank (WB), to promote inclusive life insurance services in India.

Detailed Explanation:

Axis Max Life Insurance Limited, a Joint Venture (JV) between Max Financial Services Limited (MFSL) and Axis Bank Limited, partnered with the International Finance Corporation (IFC), the lending arm of the World Bank (WB), to promote inclusive life insurance services in India.

The aim of the partnership is to expand access to life insurance for underserved and low-income communities, with a special focus on women, promoting financial inclusion across India.

IFC invested Rs. 285 crore (approximately USD 33 million) in Axis Max Life Insurance through long-dated subordinated debt instruments to strengthen the insurer’s solvency ratio.

2) Answer: E

Short Explanation:

The National Payments Corporation of India (NPCI) has established a new subsidiary, NPCI Tech Solutions Limited (NTSL), to promote experimentation and breakthrough innovations in the fintech sector.

Detailed Explanation:

The National Payments Corporation of India (NPCI) has established a new subsidiary, NPCI Tech Solutions Limited (NTSL), to promote experimentation and breakthrough innovations in the fintech sector.

NTSL becomes the fourth subsidiary under NPCI, after NPCI BHIM Services Limited (NBSL), NPCI International Payments Limited (NIPL), and NPCI Bharat BillPay Limited (NBBL).

Ajay Kumar Choudhary, Non-Executive Chairman and Independent Director of NPCI, stated that NTSL will act as a “cradle for future tech innovation” in digital payments and fintech.

3) Answer: D

Short Explanation:

Detailed Explanation:

The Reserve Bank of India (RBI) has proposed to raise limits on IPO financing and loans against shares (LAS) provided by banks to boost capital market activity.

Proposed New Financing Limits :

RBI officials highlighted that the previous revision was made in 1998, and the increase reflects inflation and the improved risk-handling capacity of banks over time.

4) Answer: C

The RBI circular is applicable only to equated periodic instalment (EPI) based personal loans and not to other types of loans.

The definition of personal loans can be referred to as “XBRL Returns – Harmonization of Banking Statistics” dated January 4, 2018.

Regulated Entities (REs) must communicate the impact of interest rate resets on floating rate personal loans both at the time of sanction and during the tenure of the loan.

5) Answer: B

Short Explanation:

The Payment and Settlement Systems Act, 2007 (PSS Act, 2007) received Presidential assent on 20th December 2007 and came into force on 12th August 2008.

Payments Regulatory Board Regulations, 2025 (effective 20 May 2025)

Deals with: the constitution, composition, and functioning of the PRB, including meetings, quorum, and committees.

Detailed Explanation:

The Payment and Settlement Systems Act, 2007 (PSS Act, 2007) received Presidential assent on 20th December 2007 and came into force on 12th August 2008.

The objective of the Act is to regulate and supervise payment systems in India and to designate the Reserve Bank of India (RBI) as the authority for this purpose through the Payments Regulatory Board (PRB).

The Act provides the legal basis for “netting” and “settlement finality”, ensuring secure and final transactions in payment systems.

Under the PSS Act, RBI issued two regulations —

Payment and Settlement Systems Regulations, 2008 (effective 12 August 2008)

Governs: authorization procedures, standards, returns and information requirements, and accounting obligations of system providers.

Payments Regulatory Board Regulations, 2025 (effective 20 May 2025)

Deals with: the constitution, composition, and functioning of the PRB, including meetings, quorum, and committees.

6) Answer: A

Short Explanation:

The Unique Identification Authority of India (UIDAI) has partnered with Behavioural Insights Limited (BIL), a global research consultancy, to enhance the adoption of the Mandatory Biometric Update (MBU) for children aged 5 and 15 years, ensuring that their Aadhaar credentials remain updated and reliable for authentication in welfare and education services.

Detailed Explanation:

The Unique Identification Authority of India (UIDAI) has partnered with Behavioural Insights Limited (BIL), a global research consultancy, to enhance the adoption of the Mandatory Biometric Update (MBU) for children aged 5 and 15 years, ensuring that their Aadhaar credentials remain updated and reliable for authentication in welfare and education services.

The Mandatory Biometric Update (MBU) is required because, during initial Aadhaar enrolment, a child’s biometric data is either incomplete or not captured.

UIDAI mandates biometric updates at age 5, when fingerprints and iris patterns become stable, and again at age 15, when major biometric changes occur.

7) Answer: C

Short Explanation:

Prime Minister of India visited Bhutan, marking a major milestone in India–Bhutan relations.

The visit emphasized cooperation in energy, healthcare, culture, border management, and overall strategic development.

The 1020 MW Punatsangchhu-II Hydroelectric Project was inaugurated, enhancing Bhutan’s power generation capacity and strengthening India–Bhutan energy collaboration under a bilateral partnership.

Detailed Explanation:

Prime Minister of India visited Bhutan, marking a major milestone in India–Bhutan relations.

The visit emphasized cooperation in energy, healthcare, culture, border management, and overall strategic development.

The 1020 MW Punatsangchhu-II Hydroelectric Project was inaugurated, enhancing Bhutan’s power generation capacity and strengthening India–Bhutan energy collaboration under a bilateral partnership.

Several key announcements were made during the visit, including:

Resumption of work on the 1200 MW Punatsangchhu-I Hydro Project.

Land grant in Varanasi for a Bhutanese Temple/Monastery and Guest House.

Establishment of a new Immigration Check Post at Hatisar (across Gelephu) to facilitate smoother cross-border movement.

Approval of a ₹4000 crore Line of Credit (LoC) from India to support Bhutan’s infrastructure and developmental projects.

8) Answer: A

Short Explanation:

India achieved a major technological milestone with the launch of its first megawatt-hour (MWh)-scale Vanadium Redox Flow Battery (VRFB) system.

The 3 MWh VRFB system, inaugurated by Shri Manohar Lal, Union Minister for Power and Housing & Urban Affairs, is installed at NTPC NETRA (Noida) — the research and development centre of NTPC Limited.

Detailed Explanation:

India achieved a major technological milestone with the launch of its first megawatt-hour (MWh)-scale Vanadium Redox Flow Battery (VRFB) system.

The 3 MWh VRFB system, inaugurated by Shri Manohar Lal, Union Minister for Power and Housing & Urban Affairs, is installed at NTPC NETRA (Noida) — the research and development centre of NTPC Limited.

Senior officials including Shri Pankaj Agarwal (Secretary, Power) and Shri Gurdeep Singh (CMD, NTPC) attended the inauguration.

The project marks a significant step towards long-duration energy storage (LDES) — crucial for renewable energy integration and grid stability.

The Vanadium Redox Flow Battery (VRFB) differs from conventional lithium-ion batteries by using vanadium ions in multiple oxidation states, allowing long-duration electricity storage.

9) Answer: E

Short Explanation:

Union Cooperation Minister Amit Shah launched two innovative mobile applications — Sahakar Digi Pay and Sahakar Digi Loan — to promote the digital transformation of Urban Cooperative Banks (UCBs).

Detailed Explanation:

Union Cooperation Minister Amit Shah launched two innovative mobile applications — Sahakar Digi Pay and Sahakar Digi Loan — to promote the digital transformation of Urban Cooperative Banks (UCBs).

The launch took place during a two-day international conference on the urban cooperative credit sector, where the minister emphasized the importance of digitalization for competitiveness and modernization in India’s cashless economy.

Sahakar Digi Pay is a digital payment platform designed to enable seamless transactions for UCB customers.

Sahakar Digi Loan is a digital lending platform aimed at ensuring easier access to credit for individuals and small businesses.

10) Answer: A

Short Explanation:

The Union Ministry of Rural Development launched the ‘Watershed Mahotsav’ in Guntur, Andhra Pradesh, to celebrate community-led water rejuvenation, soil health improvement, and sustainable rural transformation.

Detailed Explanation:

The Union Ministry of Rural Development launched the ‘Watershed Mahotsav’ in Guntur, Andhra Pradesh, to celebrate community-led water rejuvenation, soil health improvement, and sustainable rural transformation.

The Mahotsav showcased innovative watershed initiatives, recognised local participation, and promoted sustainable water management as a people’s movement.

Major initiatives unveiled included the Digital Bhumi Poojan of new watershed works, Lokarpan of completed projects, and the launch of Mission Watershed Punarutthaan, which focuses on rejuvenating degraded landscapes through participatory planning.

11) Answer: B

Short Explanation:

Bangladesh became the 1st South Asian country and the 56th globally to join the United Nations (UN) Water Convention, officially known as the Convention on the Protection and Use of Transboundary Watercourses and International Lakes.

Detailed Explanation:

Bangladesh became the 1st South Asian country and the 56th globally to join the United Nations (UN) Water Convention, officially known as the Convention on the Protection and Use of Transboundary Watercourses and International Lakes.

The move aims to protect and manage transboundary waterways, considered a lifeline to peace and prosperity for Bangladesh.

About 60% of Bangladesh’s population faces high flood risk, the second highest globally after the Netherlands, while 45% face high fluvial flood risk, the highest proportion in the world.

Over 65 million people in Bangladesh lack safe and properly managed sanitation facilities, highlighting the need for improved water and sanitation governance.

The accession aligns with UN efforts on water governance and sanitation goals ahead of the UN Water Conference 2026 in the UAE.

12) Answer: D

Short Explanation:

The 6th National Water Awards (NWA) 2024 were announced by Union Minister of Jal Shakti Shri C.R. Paatil, at Shram Shakti Bhawan, New Delhi.

A total of 46 winners (including joint winners) were selected across 10 categories such as Best State, District, Village Panchayat, Urban Local Body, Institution, Industry, and more.

Detailed Explanation:

The 6th National Water Awards (NWA) 2024 were announced by Union Minister of Jal Shakti Shri C.R. Paatil, at Shram Shakti Bhawan, New Delhi.

The awards are instituted by the Department of Water Resources, River Development and Ganga Rejuvenation (DoWR, RD & GR) under the Ministry of Jal Shakti to recognise exceptional contributions in water conservation, management, and sustainable practices.

The award ceremony will be held, at Vigyan Bhawan, New Delhi, where the President of India, Smt. Droupadi Murmu, will confer the awards.

A total of 46 winners (including joint winners) were selected across 10 categories such as Best State, District, Village Panchayat, Urban Local Body, Institution, Industry, and more.

The National Water Awards, launched in 2018, aim to promote innovative and effective water management practices to build a ‘Jal Samridh Bharat’ (Water Prosperous India).

13) Answer: C

Short Explanation:

The 6th National Water Awards (NWA) 2024 were announced by Union Minister of Jal Shakti Shri C.R. Paatil, at Shram Shakti Bhawan, New Delhi.

Best State: Maharashtra (1st), Gujarat (2nd), Haryana (3rd)

Detailed Explanation:

The 6th National Water Awards (NWA) 2024 were announced by Union Minister of Jal Shakti Shri C.R. Paatil, at Shram Shakti Bhawan, New Delhi.

A total of 46 winners (including joint winners) were selected across 10 categories such as Best State, District, Village Panchayat, Urban Local Body, Institution, Industry, and more.

The National Water Awards, launched in 2018, aim to promote innovative and effective water management practices to build a ‘Jal Samridh Bharat’ (Water Prosperous India).

Best State: Maharashtra (1st), Gujarat (2nd), Haryana (3rd)

Best Districts:Rajnandgaon (Chhattisgarh), Khargone (Madhya Pradesh), Tirunelveli (Tamil Nadu), Mirzapur (Uttar Pradesh), and Sepahijala (Tripura)

Best Urban Local Body: Navi Mumbai (1st, Maharashtra), Bhavnagar (2nd, Gujarat), Nabadiganta Industrial Township (3rd, West Bengal – Joint), and Agra (3rd, Uttar Pradesh – Joint)

14) Answer: C

Short Explanation:

India has shown notable progress in the Global Climate Risk Index (CRI) 2025, released by the German environmental think tank Germanwatch during the UN Climate Summit (COP30) held in Belem, Brazil.

In the 2024 annual index, India ranks 15th, improving from 10th place last year.

Detailed Explanation:

India has shown notable progress in the Global Climate Risk Index (CRI) 2025, released by the German environmental think tank Germanwatch during the UN Climate Summit (COP30) held in Belem, Brazil.

The report highlights India’s increasing resilience to climate-related disasters, reflecting improvements in disaster preparedness, risk mitigation, and climate adaptation.

In the 2024 annual index, India ranks 15th, improving from 10th place last year.

In the long-term index (1995–2024), India moved from 8th to 9th place, indicating reduced vulnerability to extreme weather events.

15) Answer: B

Short Explanation:

Tata Trusts have inducted Neville Tata (son of Noel Tata) and Bhaskar Bhat (former MD of Titan Company Limited.) as trustees of the Sir Dorabji Tata Trust (SDTT), effective November 11, 2025.

Detailed Explanation:

Tata Trusts have inducted Neville Tata (son of Noel Tata) and Bhaskar Bhat (former MD of Titan Company Limited.) as trustees of the Sir Dorabji Tata Trust (SDTT), effective November 11, 2025.

This marks a generational transition and a governance reform within the Tata Trusts, which collectively hold 52% of Tata Sons’ 66.6% stake.

Venu Srinivasan’s tenure as trustee has been revised from lifetime to a 3-year term, in line with the Maharashtra government’s rule limiting lifetime trustees.

16) Answer: E

Short Explanation:

Sergio Gor was officially sworn in as the United States Ambassador to India on November 11, 2025, marking a new chapter in Indo-US strategic relations.

Detailed Explanation:

Sergio Gor was officially sworn in as the United States Ambassador to India on November 11, 2025, marking a new chapter in Indo-US strategic relations.

The swearing-in ceremony took place at the Oval Office, White House.

Sergio Gor (38 years old) previously served as Director of Presidential Personnel in the Trump administration, where he handled key White House staffing and executive coordination functions.

He was nominated in August 2025 and confirmed by the US Senate in October 2025, reflecting bipartisan support for his appointment.

17) Answer: A

Shaikha Nasser Al Nowais has been appointed as the first-ever woman to lead UN Tourism, marking a historic milestone in the organisation’s 50-year history since its founding in 1975.

Her appointment was confirmed during the 123rd UN Tourism Executive Council session in Segovia, Spain, and will be formally ratified by the UN General Assembly.

18) Answer: B

Short Explanation:

Britannia Industries has appointed Rakshit Hargave as its Chief Executive Officer (CEO) and Executive Director for a five-year term, effective December 15, 2025, subject to member approval.

Detailed Explanation:

Britannia Industries has appointed Rakshit Hargave as its Chief Executive Officer (CEO) and Executive Director for a five-year term, effective December 15, 2025, subject to member approval.

In the interim, Himanshu Kapania, Managing Director of Britannia Industries, will oversee operations until Hargave assumes office.

Prior to this, Hargave served as the CEO of Birla Opus, the paints division of the Aditya Birla Group, where he joined in November 2021 and played a key role in the startup and scaling phase of the business.

19) Answer: C

Short Explanation:

The 6th edition of India-Vietnam Army Exercise VINBAX began in Hanoi, Vietnam, aimed at strengthening defence cooperation and enhancing interoperability between the two nations.

Exercise VINBAX is a bilateral military exercise between India and Vietnam designed to enhance interoperability and share best practices in UN Peacekeeping Operations (UNPKO).

Detailed Explanation:

The 6th edition of India-Vietnam Army Exercise VINBAX began in Hanoi, Vietnam, aimed at strengthening defence cooperation and enhancing interoperability between the two nations.

The exercise was presided over by Defence Secretary Rajesh Kumar Singh and Vietnam’s Deputy Chief of General Staff Senior Lieutenant General Phung Si Tan.

Exercise VINBAX is a bilateral military exercise between India and Vietnam designed to enhance interoperability and share best practices in UN Peacekeeping Operations (UNPKO).

20) Answer: E

Short Explanation:

Lenskart will launch its first AI-powered smart glasses called “B by LenskartSmartglasses” by December 2025.

The device is expected to be powered by Qualcomm’s Snapdragon AR1 Gen 1 chipset, optimized for AR and camera-enabled AI applications.

Detailed Explanation:

Lenskart will launch its first AI-powered smart glasses called “B by LenskartSmartglasses” by December 2025.

The smart glasses will feature AI-based interactions, health and wellness insights, and UPI payment integration, highlighting Lenskart’s move towards a technology-led lifestyle brand.

The device is expected to be powered by Qualcomm’s Snapdragon AR1 Gen 1 chipset, optimized for AR and camera-enabled AI applications.

21) Answer: D

World Usability Day is observed annually on the second Thursday of November, and in 2025, it falls on 13th November.

The day focuses on promoting user-friendly design, accessibility, and improved user experience (UX) across digital and physical products.

22) Answer: B

Short Explanation:

World Kindness Day 2025 was observed on 13th November to promote compassion, empathy, and goodwill among individuals and communities across the globe.

Detailed Explanation:

World Kindness Day 2025 was observed on 13th November to promote compassion, empathy, and goodwill among individuals and communities across the globe.

The day is celebrated by around 27 countries, including India, Brazil, Australia, Canada, Japan, and Italy, although it is not yet officially recognized by the United Nations (UN).

World Kindness Day was first celebrated in 1998 during the Tokyo Conference, marking the beginning of a global effort to foster kindness and peace.

23) Answer: A

The RBI circular is applicable only to equated periodic instalment (EPI) based personal loans and not to other types of loans.

The definition of personal loans can be referred to as “XBRL Returns – Harmonization of Banking Statistics” dated January 4, 2018.

24) Answer: C

Dishonour of electronic fund transfer due to insufficient funds is an offence punishable with imprisonment or fine, similar to cheque dishonour under the Negotiable Instruments Act, 1881 (Section 25).

25) Answer: E

The Andhra Pradesh Tourism Department has won the prestigious Global Tourism Award 2025, recognizing its outstanding initiatives in positioning Andhra Pradesh as one of India’s most promising tourist destinations. The award was received by tourism consultant Nishitha Goyal on behalf of the department at a ceremony held in New Delhi.