IBPS GK Questions 2026

The correct answer is 2015. At the seventh meeting the OPEC Secretary General said that the OPEC-India Energy Dialogue is eleven years strong, having been launched in New Delhi in 2015. That single sentence gives both the launch year and the launch city, so it is worth remembering as a pair. Option A is wrong because the dialogue did not exist that early. Option C is wrong because by that year the dialogue had already been running for some time. Option D is wrong for the same reason. A useful cross-check in the examination hall is the arithmetic: a dialogue described as eleven years strong in the current year must have begun in the year given in option B, so the wording of the statement itself confirms the answer.

The correct answer is Vienna. The release records that both sides agreed to hold the Eighth High-Level Meeting of the OPEC-India Energy Dialogue in Vienna, Austria, on a mutually convenient date. Vienna is also where the OPEC Secretariat is based, which makes the choice easy to recall. New Delhi is wrong because it hosted the seventh meeting and also the launch of the dialogue, not the next edition. Riyadh is wrong because although Saudi Arabia is a major OPEC member, the capital named for the next round is not Riyadh. Abu Dhabi is wrong for the same reason. Aspirants should keep two venues separate in memory here: New Delhi for the meeting just concluded, and Vienna for the one to come.

The correct answer is Hardeep Singh Puri. The meeting was co-chaired by Hardeep Singh Puri, India's Minister of Petroleum and Natural Gas, and by the OPEC Secretary General. Since the dialogue is about oil markets, energy security and investment in the oil industry, the Indian co-chair is the minister who holds the petroleum portfolio, and that is the link to remember. Piyush Goyal is wrong because the commerce and industry portfolio is not the one that leads this dialogue. Nirmala Sitharaman is wrong because the finance ministry did not lead this engagement, even though energy prices affect the economy. Pralhad Joshi is wrong as the release names only the petroleum minister as the Indian co-chair. Questions on ministerial dialogues usually turn on matching the subject of the dialogue with the correct portfolio.

The correct answer is Voice-and-SMS-only vouchers for validities of 30 days and less. Under the amendment, wherever an operator offers a voice-SMS-data special tariff voucher with a validity of 30 days or less, it must also offer a voice-and-SMS-only voucher of the same validity at an appropriately reduced price. Operators must also offer a pack that renews on the same date every month, falling back to the last day in shorter months, and at least one longer voice-and-SMS pack.

The other options invent products that the regulation does not cover. TRAI's concern, after the Twelfth Amendment of 2024, was that operators had listed only a handful of voice-SMS packs, concentrated on long validities, so low-income users who rely on a basic phone or a second SIM could not buy a cheap short pack. The new rule targets exactly that gap.

The correct answer is Telecom Regulatory Authority of India. TRAI, the sector's regulator, released the Thirteenth Amendment on 22 September 2026 after a draft issued on 7 April 2026 drew 1,132 responses and an open house discussion on 15 June 2026. The amendment obliges operators to offer voice-and-SMS-only special tariff vouchers for validities of 30 days and less, so that users who do not need data are not forced to buy bundled packs.

The Department of Telecommunications is the government department that makes policy and issues licences, not tariff regulations. The Telecom Disputes Settlement and Appellate Tribunal (TDSAT) hears appeals against TRAI's decisions rather than issuing regulations. The Ministry of Electronics and IT deals with electronics, IT and semiconductors. For telecom tariffs, quality of service and consumer protection, the regulator is always TRAI.

The correct answer is All senior citizens aged 70 and above. On 11 September 2024 the Government extended AB PM-JAY to everyone aged 70 and above, regardless of income, covering about 6 crore senior citizens. They receive the Ayushman Vay Vandana card, and more than 1.36 crore such cards had been issued by 21 September 2026.

ASHA workers are the distractor: about 37 lakh families of ASHAs, anganwadi workers and helpers were indeed added, but earlier, in March 2024, and through a separate decision. Construction workers join through the Building and Other Construction Workers boards, and students are not a category at all. The name is easy to place: "Vay" refers to age, so the Vay Vandana card is the one for the elderly.

The correct answer is Socio-Economic Caste Census (SECC) 2011. Rural families qualify under six deprivation criteria of the SECC 2011, such as households with only one kucha room, no adult member between 16 and 59, female-headed households without an adult male, households with a disabled member, SC/ST households and landless households dependent on casual manual labour. Urban families qualify under 11 occupational categories, from rag pickers and domestic workers to construction workers and drivers.

Census 2011 is the tempting wrong answer: the SECC was a separate exercise from the population census. The National Family Health Survey is a health survey, not an eligibility list, and Aadhaar is an identity number, not a poverty database. Families once covered under the Rashtriya Swasthya Bima Yojana are included too.

The correct answer is ₹5 lakh. AB PM-JAY provides cashless hospitalisation cover of up to ₹5 lakh per family per year, covering 1,961 procedures across 27 medical specialties at public and private empanelled hospitals. The cover is per family, not per person, and there is no cap on family size or age.

The other amounts are distractors. The scale of use is worth remembering: by its eighth anniversary the scheme had funded about 13.25 crore hospital admissions worth ₹2.03 lakh crore, and over 48.51 crore people, about 33% of the population, held Ayushman cards. The Union Budget for 2026-27 provides ₹9,500 crore for it. A typical example in the backgrounder is a 65-year-old woman from Haryana whose hip surgery costing ₹44,140 was done free under the scheme.

The correct answer is 23 September 2018. AB PM-JAY was launched on that date to move India towards universal health coverage, and the PIB backgrounder of 22 September 2026 marks its eighth anniversary. It gives eligible families cashless hospital cover of up to ₹5 lakh a year for secondary and tertiary care through more than 38,000 empanelled hospitals.

The other dates are distractors around well-known days: 15 August is Independence Day, 2 October is Gandhi Jayanti and 1 April is the start of the financial year. Two later dates matter for this scheme and are worth keeping separate: March 2024, when about 37 lakh families of ASHAs and anganwadi workers were added, and 11 September 2024, when all senior citizens aged 70 and above were brought in through the Ayushman Vay Vandana card.

The correct answer is 56%. The Staff Welfare Fund is money that public sector banks set aside for the welfare of working and retired staff, covering health expenses, canteen subsidies, sports and cultural activities and educational help. The Finance Ministry listed its 56% increase in August 2024 among the measures taken for bank employees.

The other percentages are distractors. The same list includes other points worth knowing: PSBs recruited about 4,82,800 employees from FY 2014-15 to FY 2025-26, with recruitment doubling in the last three years; as of 1 July 2026, 95.84% of officer posts and 92% of subordinate/award staff posts were filled; and negotiations on the next Bipartite Settlement began early, aiming to finish before the November 2027 deadline. Bipartite settlements are wage agreements between bank managements and unions.

The correct answer is 2015. In its appeal of 21 September 2026, the Ministry of Finance recalled that the Government, in the interest of bank employees, declared the 2nd and 4th Saturdays of every month as holidays for public sector banks in 2015. The remaining Saturdays are working days and, the Ministry said, an important opportunity for many citizens to use banking services.

The other years are distractors. This fact matters because the unions' pending demand, five-day banking, would turn every Saturday into a holiday. The Government's argument is that customers already lose two Saturdays a month, and that the planned strike from 28 to 30 September, next to a weekend and the half-yearly closing on 30 September, would mean an effective five-day shutdown of banking at a sensitive time of the financial year.

The correct answer is Implementation of five-day banking. The United Forum of Bank Unions and some other unions in public sector banks, supported by Regional Rural Banks, raised two principal demands: a five-day working week for banks and withdrawal of the Performance Linked Incentive scheme. The Finance Ministry says the strikes are now about the single demand of a five-day week, which is still being examined.

Withdrawal of the PLI scheme is the trap. It was one of the two original demands, but the Government met it by keeping the scheme in abeyance, so it is no longer pending. The Old Pension Scheme and the merger of Regional Rural Banks are not part of these strikes. A one-day strike was held on 11 September 2026; a three-day strike is set for 28 to 30 September and an indefinite one from 26 October 2026.