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UPI & Digital Payments MCQs – Free Practice Questions

UPI & Digital Payments is part of Banking Awareness in government exams such as Banking Prelims (IBPS / SBI type), IBPS RRB (Office Assistant / Officer). This page has 150 free practice questions in English and Hindi, with correct answers and explanations and short revision notes.

UPI और डिजिटल भुगतान – हिंदी और अंग्रेज़ी में 150 निःशुल्क अभ्यास प्रश्न, उत्तर और व्याख्या के साथ।

Read short notesPractise with explanationsQuick quiz (10 questions)Timed topic test

Questions: 150 · Sets of 50: 3 · Difficulty mix: 64 easy, 37 hard, 49 medium · Languages: English and Hindi

Sample UPI & Digital Payments questions with answers

Q1. UPI was developed by which organisation?

UPI किस संस्था द्वारा विकसित किया गया?

  1. RBI
  2. SBI
  3. NPCI
  4. SEBI
Answer: NPCI. UPI (Unified Payments Interface) was developed by NPCI (National Payments Corporation of India).
UPI (यूनिफाइड पेमेंट्स इंटरफेस) को NPCI (नेशनल पेमेंट्स कॉर्पोरेशन ऑफ इंडिया) ने विकसित किया।

Q2. UPI was built on which existing NPCI service?

UPI को NPCI की किस मौजूदा सेवा पर बनाया गया?

  1. ECS
  2. NEFT
  3. IMPS
  4. RTGS
Answer: IMPS. IMPS = Immediate Payment Service.
IMPS = इमीडिएट पेमेंट सर्विस।

Q3. The USSD code to use UPI-based banking services on a basic phone without internet is:

बिना इंटरनेट के बेसिक फ़ोन पर UPI आधारित बैंकिंग सेवाओं का USSD कोड क्या है?

  1. 1930
  2. *99#
  3. 100
  4. *121#
Answer: *99#. *99# (NUUP) gives UPI and banking services on any phone through USSD, without internet.
*99# (NUUP) से किसी भी फ़ोन पर बिना इंटरनेट USSD के ज़रिए UPI और बैंकिंग सेवाएँ मिलती हैं।

Q4. A person paid ₹480 by UPI by mistake instead of ₹840. How much more should he pay?

एक व्यक्ति ने गलती से ₹840 के बजाय ₹480 UPI से भुगतान किया। उसे और कितना देना चाहिए?

  1. ₹440
  2. ₹360
  3. ₹400
  4. ₹1,320
Answer: ₹360. 840 − 480 = 360.
840 − 480 = 360।

Q5. Investors can apply for shares in an IPO using UPI. The money is:

निवेशक IPO में शेयरों के लिए UPI से आवेदन कर सकते हैं। पैसा कैसे लिया जाता है?

  1. Blocked in their account and debited only if shares are allotted
  2. Taken by RBI
  3. Paid in cash at the bank
  4. Never refunded
Answer: Blocked in their account and debited only if shares are allotted. This is ASBA through a UPI mandate.
यह UPI मैंडेट द्वारा ASBA है।

Q6. Which credit cards were first allowed to be linked to UPI, in 2022?

2022 में सबसे पहले किन क्रेडिट कार्डों को UPI से जोड़ने की अनुमति मिली?

  1. Forex card
  2. Metro card
  3. Any gift card
  4. RuPay credit card
Answer: RuPay credit card. Allowed from 2022.
2022 से अनुमति।

Q7. Which statement about UPI is FALSE?

UPI के बारे में कौन-सा कथन गलत है?

  1. UPI works 24 × 7
  2. UPI is run by NPCI
  3. UPI can be used with many banks
  4. You need the UPI PIN to receive money
Answer: You need the UPI PIN to receive money. The UPI PIN is needed only to pay.
UPI PIN केवल भुगतान के लिए चाहिए।

Q8. Customer care numbers for UPI apps should be taken from:

UPI ऐप के कस्टमर केयर नंबर कहाँ से लेने चाहिए?

  1. Unknown SMS
  2. Social media comments
  3. Random search results
  4. The official app or website only
Answer: The official app or website only. Fake helpline numbers are a common fraud.
नकली हेल्पलाइन नंबर सामान्य धोखाधड़ी है।

Q9. When you first set up a UPI app, it usually sends an SMS from your phone. This is to:

UPI ऐप पहली बार सेट करते समय प्रायः आपके फ़ोन से एक SMS भेजता है। ऐसा क्यों?

  1. Send ads to friends
  2. Pay a fee to NPCI
  3. Verify that the SIM with the bank-registered number is in this phone (device binding)
  4. Book a gas cylinder
Answer: Verify that the SIM with the bank-registered number is in this phone (device binding). The SMS is for device binding: it confirms that the SIM with the bank-registered number is in this phone.
यह SMS डिवाइस बाइंडिंग के लिए है: इससे पक्का होता है कि बैंक में दर्ज नंबर वाली SIM इसी फ़ोन में है।

Q10. e-RUPI vouchers are delivered to users through:

e-RUPI वाउचर उपयोगकर्ताओं को कैसे मिलते हैं?

  1. A cheque
  2. SMS string or QR code on their phone
  3. A plastic card only
  4. Post only
Answer: SMS string or QR code on their phone. The user needs no bank app to redeem it.
इसे भुनाने के लिए बैंक ऐप की ज़रूरत नहीं होती।
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