SBI GK Questions 2026

Since a payments bank cannot lend, the guidelines direct where its deposits must go: at least seventy five per cent of demand deposit balances must be invested in government securities and treasury bills eligible for the statutory liquidity ratio, with a maturity of up to one year, and not more…

The licence of a payments bank excludes credit altogether: it may not lend to anyone and may not issue credit cards, and this single prohibition is what separates it from every other kind of bank in India.

A payments bank may accept demand deposits, that is savings and current accounts, but the total balance of an individual customer with the bank cannot exceed two lakh rupees at the end of the day.

The Reserve Bank released the final guidelines for licensing both payments banks and small finance banks on the twenty seventh of November 2014, acting on the report of the Nachiket Mor Committee on Comprehensive Financial Services for Small Businesses and Low Income Households.

MeghRaj is the name given to the Government of India Cloud, usually shortened to GI Cloud, under which government departments obtain their computing and storage from a common set of government managed data centres rather than each building its own.

The three terms sit one inside the other like circles. Artificial intelligence is the whole field of making machines behave intelligently, and it includes approaches that use no learning at all, such as rule based expert systems and search algorithms.

A classical computer stores information in bits, each of which must be either zero or one at a given moment.

Entries on a blockchain are grouped into blocks, and every block carries the cryptographic hash, a short fixed length fingerprint, of the block immediately before it.

An RFID system has a tag carrying a tiny chip and an antenna, and a reader that sends out radio waves; the tag answers with its stored identity, so an object can be recognised without being seen or touched and without a line of sight, unlike a barcode that must…

The British technologist Kevin Ashton used the phrase Internet of Things in 1999 while working on radio frequency identification tags for tracking goods through a supply chain; his point was that if every object could report its own position and state, the internet would no longer depend on people typing…

A hypervisor is a piece of software, also called a virtual machine monitor, that divides one physical server into several virtual machines; it is the tool that makes cloud computing possible, not a way of deploying a cloud.

In this model the provider runs the finished application on its own servers and the user simply opens it in a browser, managing nothing but the data and a few settings; a web mailbox, an online office suite and a hosted customer records system all work this way.

Alan Turing proposed in 1950 that instead of arguing about what thinking means, we should set a practical trial: a human questioner communicates in writing with an unseen machine and an unseen person, and if the questioner cannot reliably tell which is which, the machine is said to have passed.

The American computer scientist John McCarthy used the phrase artificial intelligence in the proposal for the Dartmouth conference of 1956, the meeting generally treated as the birth of the subject as a separate field, and he is therefore called the father of artificial intelligence; he also created the programming language…

SMART governance is the standard shorthand for the aim of administrative reform in India, and it expands to simple, moral, accountable, responsive and transparent government; e-governance is treated as the means by which each of these five qualities becomes possible, since an online process is simpler, leaves a record, can…

BharatNet lays optical fibre to the panchayat level so that village institutions, Common Services Centres, schools and health centres can get broadband, and it is the main project under the Broadband Highways pillar of Digital India.

The application was built by the Ministry of Electronics and Information Technology with the National e-Governance Division so that a citizen can reach hundreds of central and state services, from provident fund enquiries to gas bookings, from a single app in several languages.

This is the model in which a service is delivered directly to an individual, such as an online caste or income certificate, a driving licence application or a pension payment, and it is the model most visible to the public.

The same corporation runs the RuPay card network, the BHIM application and the immediate payment service, so a question about any of these has the same answer.

It was set up in 2009 and was given statutory standing by the Aadhaar Act of 2016, and the first Aadhaar number was issued in 2010 at Tembhli village in the Nandurbar district of Maharashtra.