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  9. Q66

RBI Grade B Officer (General / DEPR / DSIM) 2025 · Question 66 of 259

Which of the following statements regarding the conditions under which a payment bank can be upgraded to a small finance bank is correct?

General Awareness

  1. AA. A payment bank can apply for conversion into an SFB immediately after it starts operations, provided it meets the minimum capital requirement.
  2. BB. Conversion is permitted only if the payment bank has a satisfactory track record of operations for at least five years.Correct
  3. CC. The payment bank must have already obtained scheduled bank status before applying for SFB conversion.
  4. DD. There is no minimum paid-up capital requirement for a payment bank to convert into an SFB.
  5. EE. The payment bank must first convert to a universal bank before becoming an SFB.

Answer: B. B. Conversion is permitted only if the payment bank has a satisfactory track record of operations for at least five years.

Official answer key verified. Detailed explanation coming soon.

Source: RBI Grade B Phase 1 recollected questions with answer key, 2021-2025 (EduTap compilation) · memory-based

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