SSC CGL Computer – E-Banking & Digital Payments Basics – Exam-Level Drill

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SSC CGL Computer – E-Banking & Digital Payments Basics – Exam-Level Drill – 14 questions, subject: Computer Knowledge. Every question has the correct answer with a one-line explanation; tap "Show Answer". Free practice for TNPSC, UPSC, SSC, Bank and RRB exams – Shanmugam IAS Academy, Coimbatore.

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1.  
In which system is a transfer made at 10:05 pm settled in the 10:30 pm batch, together with other transfers?

Correct Answer: B [NEFT]

Explanation:

Only NEFT settles in half-hourly batches; RTGS, IMPS and UPI settle each transfer at once.

2.  
Statement-basedWhich of the following is/are correct?
I. NEFT has been available 24x7 since 16 December 2019.
II. RTGS has been available 24x7x365 since 14 December 2020.

Correct Answer: D [Both I and II]

Explanation:

Both dates are from RBI's circular (2019) and RTGS FAQ.

3.  
Match the followingMatch the fraud with its medium:
P. Phishing Q. Vishing R. Smishing S. Skimming
1. fake e-mail or website 2. voice call 3. SMS 4. hidden card reader

Correct Answer: D [P-1, Q-2, R-3, S-4]

Explanation:

Ph – e-mail/web; V – voice; Sm – SMS; skimming – device at ATM/POS.

4.  
A made-up card number begins 6521 9083 7465 103_. Which last digit makes it pass the Luhn check?

Correct Answer: B [3]

Explanation:

With 3 as the last digit the Luhn total is 60 – a multiple of 10.

5.  
For the made-up 12-digit number 7135 6204 918_, the Luhn check digit is:

Correct Answer: C [7]

Explanation:

Last digit 7 gives a Luhn total of 50.

6.  
True/False countHow many of the following are run by NPCI?
1. UPI
2. RuPay
3. NEFT
4. BBPS

Correct Answer: A [Only three]

Explanation:

UPI, RuPay and BBPS are NPCI's; NEFT is RBI's → three.

7.  
How many of these codes follow the IFSC pattern (4 letters, 0, 6 characters)?
SBXA0001234 · PQRS0ABC123 · LMNO1002345 · WXYZ0098765

Correct Answer: C [3]

Explanation:

Only LMNO1002345 fails (5th character is 1) → three.

8.  
A shopkeeper wants customers to pay without telling them his account number. What is the simplest digital method?

Correct Answer: D [Display a UPI QR code]

Explanation:

A UPI QR code holds his UPI ID; customers scan and pay with their own PIN.

9.  
Which statement about the Luhn check is correct?

Correct Answer: B [It detects every single mistyped digit in a card number]

Explanation:

Any one wrong digit is caught; a 09↔90 swap is not; it says nothing about ownership.

10.  
A person reports an online financial fraud at once. As per the PIB release read for this book, which helpline number should be called?

Correct Answer: A [1930]

Explanation:

1930 is the cybercrime helpline; report also on cybercrime.gov.in.

11.  
Assertion–Reason
A: Scanning a QR code sent by a buyer can never take money out of your account.
R: A QR code is scanned to pay; scanning it and approving with your UPI PIN sends money out.

Correct Answer: B [A is false but R is true]

Explanation:

A is false – scanning a QR code and entering the PIN is a payment.

12.  
Which pair is correctly matched?

Correct Answer: C [IFSC – 11 characters; MICR – 9 digits]

Explanation:

IFSC 4 + 0 + 6 = 11; MICR 3 + 3 + 3 = 9.

13.  
Which number, printed on the back of a card, is asked for in online card payments to show that you hold the card?

Correct Answer: A [CVV]

Explanation:

CVV/CVC = usually 3 digits on the back; the PIN is never printed; IFSC and MMID are bank codes.

14.  
In CTS (Cheque Truncation System), what travels from the presenting bank to the paying bank?

Correct Answer: D [An electronic image of the cheque with its data]

Explanation:

Truncation = the physical cheque stops at the presenting bank; its image moves.

➤ Full notes, shortcuts and every answer explained – SSC CGL 2026 Computer Knowledge book (₹149): www.shanmugamiasacademy.in/study-materials/ssc-cgl-computer-knowledge

📘 SSC CGL 2026 – Computer Knowledge (Tier II Paper I – Section III)
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