Q351. What does the acronym UPI stand for in India’s digital payment ecosystem?
Science and Technology: RAS Prelims MCQs
1113 RAS Prelims practice MCQs on science and technology are on this page, in 6 chapters. They cover the basics of everyday science, computers and information technology, defence and space technology in India, genetics, biotechnology and nanotechnology, science and technology policies and government programmes, and recent advances with Indian contributors and indigenisation. Each question has an answer and an explanation.
Practice questions based on the RPSC RAS Prelims syllabus. They follow the exam pattern but are not past-paper questions.
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Q352. Consider the following statements regarding NEFT and RTGS in India:
I. NEFT operates in half-hourly batches.
II. RTGS processes transactions continuously in real-time.
III. Both systems are available 24x7x365.
IV. RTGS has a minimum transfer limit of 2 lakh.
V. NEFT has a minimum transfer limit of 2 lakh.
Which of the above statement(s) is/are correct?
I. NEFT operates in half-hourly batches.
II. RTGS processes transactions continuously in real-time.
III. Both systems are available 24x7x365.
IV. RTGS has a minimum transfer limit of 2 lakh.
V. NEFT has a minimum transfer limit of 2 lakh.
Which of the above statement(s) is/are correct?
Explanation
India’s primary fund transfer systems, NEFT and RTGS, both operate 24x7x365 to facilitate digital payments. While NEFT settles transactions in half-hourly batches, RTGS provides continuous real-time processing for large-value transfers of 2 lakh and above. NEFT, however, does not have a minimum transfer limit, allowing it to be used for smaller transactions by individuals and businesses.
Q353. Identify the incorrect statement comparing IMPS and NEFT.
Explanation
Both IMPS and NEFT are essential 24x7 digital payment systems in India, but they serve different needs. IMPS provides instant settlement for smaller amounts and is managed by the NPCI. NEFT handles batch-based transfers and is managed by the Reserve Bank of India. The claim that private banks manage NEFT exclusively is incorrect, as it is a.
Q354. The Government of India introduced a cashless and contactless instrument for digital payment that operates as a prepaid e-voucher delivered via SMS or QR code. What is this called?
Explanation
e-RUPI is a cashless and contactless digital payment instrument introduced by the Government of India. It functions as a prepaid e-voucher that can be delivered to beneficiaries via SMS or QR codes. This system ensures that welfare benefits reach the intended recipient for a specific purpose without the need for a bank account, smartphone, or internet access.
Q355. Which umbrella organization operates retail payments and settlement systems in India, including UPI and RuPay?
Explanation
The National Payments Corporation of India is an umbrella organization that operates and manages retail payment systems across India. Its portfolio includes innovative services like UPI, IMPS, RuPay, and AePS. By providing a robust and secure technological infrastructure, NPCI has been instrumental in driving the growth of digital payments and financial inclusion, making transactions accessible to millions.
Q356. Given below are the steps in a typical UPI transaction:
I. Enter UPI PIN
II. Open UPI App and scan QR / enter VPA
III. Bank debits sender and credits receiver
IV. Enter payment amount
Select the correct chronological arrangement.
I. Enter UPI PIN
II. Open UPI App and scan QR / enter VPA
III. Bank debits sender and credits receiver
IV. Enter payment amount
Select the correct chronological arrangement.
Explanation
A standard UPI transaction follows a logical sequence for security and accuracy. It begins with the user opening the app and identifying the receiver via QR or VPA. Next, the payment amount is entered, followed by the secure UPI PIN to authorize the transfer. Finally, the banks process the transaction, debiting the sender and crediting the receiver instantly.
Q357. Identify the odd one out among these digital payment platforms/methods.
Explanation
Digital payment methods like Paytm, Amazon Pay, and Mobikwik are retail-focused platforms that allow individuals to make daily transactions and payments easily. They are widely used for local peer-to-peer and merchant payments. SWIFT, however, is a global messaging network used by financial institutions to securely transmit information and instructions for large-scale international money transfers, serving an entirely different.
Q358. Which statement correctly defines a Virtual Payment Address (VPA) in the context of UPI?
Explanation
A Virtual Payment Address is a unique identifier used in the UPI system that allows users to send and receive money without sharing their bank account number or IFSC code. Typically formatted like an email address, the VPA is linked directly to the user’s bank account, providing a simple and secure way to identify the correct destination for.
Q359. Which of the following digital payment systems is NOT operated by the National Payments Corporation of India (NPCI)?
Explanation
The National Payments Corporation of India manages several modern retail payment systems, including IMPS, AePS, and FASTag. These systems are designed for high-volume, real-time digital transactions. NEFT, however, is a large-scale electronic funds transfer system owned and operated directly by the Reserve Bank of India. While it is a key part of the digital ecosystem, it falls.
Q360. What is the effect of the Government of India waiving the Merchant Discount Rate (MDR) on UPI and RuPay debit card transactions?
Explanation
To promote the adoption of digital payments, the Government of India waived the Merchant Discount Rate on UPI and RuPay debit card transactions. This policy ensures that merchants are not charged any fees for accepting these types of payments, providing a strong incentive to move away from cash. This zero-cost model has been a major driver in the.Answer key for these questions
| Q | Correct answer |
|---|---|
| 351 | (d) Unified Payments Interface |
| 352 | (a) I, II, III, and IV only |
| 353 | (c) IMPS is managed by the RBI, whereas NEFT is managed exclusively by private banks. |
| 354 | (a) e-RUPI |
| 355 | (d) National Payments Corporation of India (NPCI) |
| 356 | (a) II, IV, I, III |
| 357 | (c) SWIFT Network |
| 358 | (d) Unique account identifier |
| 359 | (a) NEFT (National Electronic Funds Transfer) |
| 360 | (b) Zero merchant fees incentive |
Key facts from Science and Technology
- The RPSC paper is General Knowledge and General Science, so science questions come with a strong dose of applied and recent topics.
- Everyday science questions test the laws and terms of physics, chemistry and biology through examples.
- Defence and space questions pair a missile, satellite or mission with its year and organisation.
- Policy questions ask for the year, the body and the aim of schemes like STIP, the National Quantum Mission and BioE3.
- Health, environment and agriculture are on a separate page, with their own chapters.
Frequently asked questions
How many RAS Prelims practice MCQs are there on Science and Technology?
This page has 1113 practice MCQs on Science and Technology. Each has the correct answer, and most have an explanation.
Which chapters does the science and technology set cover?
Six chapters: basics of everyday science; computers, information and communication technology; defence and space technology in India; genetics, biotechnology and nanotechnology; science and technology policies and government programmes; and recent advances, Indian contributors and indigenisation.
Is science and technology part of the RAS Prelims syllabus?
Yes. The RPSC paper is called General Knowledge and General Science, and its syllabus lists science and technology topics along with environment, health, agriculture and government programmes, so questions can come from any of these areas.
How should I prepare science for RAS Prelims?
Revise the concepts by examples, then learn the missions, schemes and scientists with their year and organisation. Attempt each chapter, read the explanations and keep a list of the facts you missed.