Q1. UPI stands for:
A) Universal Payment Interface
B) Unified Payment Interface
C) Unified Process Integration
D) Universal Process Interface
✅ Answer: B) Unified Payment Interface
💡 Explanation: UPI (Unified Payments Interface) is a real-time payment system developed by NPCI enabling instant bank transfers.
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Q2. The IT Act of India was enacted in which year?
A) 1995
B) 2000
C) 2005
D) 2008
✅ Answer: B) 2000
💡 Explanation: The Information Technology (IT) Act was enacted in India in the year 2000 to govern cyber activities and e-commerce.
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Q3. Which payment system allows offline UPI transactions?
A) NEFT
B) UPI Lite
C) RTGS
D) IMPS
✅ Answer: B) UPI Lite
💡 Explanation: UPI Lite enables small-value offline UPI payments without internet connectivity using on-device wallet.
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Q4. IMPS in banking stands for:
A) Immediate Money Payment System
B) Instant Money Processing Service
C) Immediate Payment Service
D) Integrated Money Processing System
✅ Answer: C) Immediate Payment Service
💡 Explanation: IMPS (Immediate Payment Service) is a 24/7 real-time interbank fund transfer service in India by NPCI.
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Q5. Two-factor authentication for online banking typically involves:
A) Two passwords
B) Password + OTP (One-Time Password)
C) Two PINs
D) Username + Username
✅ Answer: B) Password + OTP (One-Time Password)
💡 Explanation: 2FA for banking combines something you know (password) with something you have (OTP on your registered mobile).
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Q6. Which section of IT Act 2000 deals with cyber terrorism?
A) Section 43
B) Section 66
C) Section 66F
D) Section 72
✅ Answer: C) Section 66F
💡 Explanation: Section 66F of IT Act 2000 (amended 2008) deals with cyber terrorism, punishable with imprisonment for life.
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Q7. SSL certificate on a website is indicated by:
A) http:// prefix
B) https:// prefix and padlock icon
C) www prefix
D) .com domain
✅ Answer: B) https:// prefix and padlock icon
💡 Explanation: HTTPS and padlock icon indicate the website has a valid SSL/TLS certificate ensuring encrypted connection.
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Q8. NPCI stands for:
A) National Payment Corporation of India
B) National Payments Corporation of India
C) National Process Control Integration
D) Network Payment Control Interface
✅ Answer: B) National Payments Corporation of India
💡 Explanation: NPCI (National Payments Corporation of India) operates retail payment systems including UPI, IMPS, RuPay, and NACH.
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Q9. ‘Phishing’ is classified as which type of cybercrime?
A) Hacking
B) Social engineering attack
C) Denial of Service
D) Malware infection
✅ Answer: B) Social engineering attack
💡 Explanation: Phishing is a social engineering attack that tricks users into revealing sensitive information through deceptive emails/sites.
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Q10. The RuPay card is developed by:
A) Visa International
B) Mastercard
C) NPCI (National Payments Corporation of India)
D) Reserve Bank of India
✅ Answer: C) NPCI (National Payments Corporation of India)
💡 Explanation: RuPay is India’s domestic card payment network developed by NPCI, competing with Visa and Mastercard.
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Q11. ‘Digital signature’ in cybersecurity provides:
A) Encryption of all data
B) Authentication and integrity verification of digital documents
C) Backup of digital files
D) Compression of files
✅ Answer: B) Authentication and integrity verification of digital documents
💡 Explanation: Digital signatures use public-key cryptography to verify the sender’s identity and ensure document integrity.
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Q12. CERT-In stands for:
A) Computer Emergency Response Team – India
B) Cyber Encryption and Response Technology – India
C) Central Electronic Registry Team – India
D) Computer Error Reporting Tool – India
✅ Answer: A) Computer Emergency Response Team – India
💡 Explanation: CERT-In is India’s national nodal agency for responding to cybersecurity incidents under the Ministry of Electronics and IT.
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Q13. What is ‘e-governance’?
A) Electronic voting only
B) Use of IT to deliver government services and improve public administration
C) Government’s control of the internet
D) Online government employee management
✅ Answer: B) Use of IT to deliver government services and improve public administration
💡 Explanation: E-governance uses ICT to deliver services, improve transparency, and enhance interaction between government and citizens.
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Q14. The full form of RTGS is:
A) Real Time Gross Settlement
B) Real Transfer Gross Service
C) Rapid Transaction Gross Settlement
D) Real Time Government Settlement
✅ Answer: A) Real Time Gross Settlement
💡 Explanation: RTGS is a continuous real-time fund transfer system for high-value transactions (minimum ₹2 lakhs) in India.
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Q15. Which Section of IT Act covers unauthorized access to computer systems (hacking)?
A) Section 43 and Section 66
B) Section 72
C) Section 67
D) Section 79
✅ Answer: A) Section 43 and Section 66
💡 Explanation: Section 43 covers civil liability for unauthorized access; Section 66 covers criminal hacking under IT Act 2000.
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Q16. What is ‘net banking’ also called?
A) Mobile banking
B) Internet banking / online banking
C) ATM banking
D) SMS banking
✅ Answer: B) Internet banking / online banking
💡 Explanation: Net banking (internet/online banking) allows users to perform financial transactions through a bank’s website.
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Q17. The maximum transaction limit for NEFT is:
A) ₹1 lakh
B) ₹2 lakhs
C) No upper limit
D) ₹10 lakhs
✅ Answer: C) No upper limit
💡 Explanation: NEFT has no maximum transaction limit for individual senders, though banks may impose their own limits.
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Q18. ‘Dark web’ refers to:
A) Websites with black background
B) Encrypted portion of internet accessible only through special browsers like Tor
C) Websites that are temporarily offline
D) Government-restricted websites
✅ Answer: B) Encrypted portion of internet accessible only through special browsers like Tor
💡 Explanation: Dark web is a hidden part of the internet accessible via Tor browser, used for anonymous (often illegal) activity.
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Q19. Aadhaar-enabled Payment System (AePS) allows transactions using:
A) Password and PIN
B) Aadhaar number and biometric authentication
C) Only mobile OTP
D) Bank account number only
✅ Answer: B) Aadhaar number and biometric authentication
💡 Explanation: AePS enables banking transactions at micro-ATMs using Aadhaar number + fingerprint/iris biometric authentication.
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Q20. Section 67 of the IT Act 2000 deals with:
A) Hacking
B) Publishing obscene material electronically
C) Identity theft
D) Denial of service attacks
✅ Answer: B) Publishing obscene material electronically💡 Explanation: Section 67 of IT Act 2000 punishes publishing or transmitting obscene material in electronic form