CAIIB · Banking Regulations & Business Laws · Module D — Commercial & Other Laws with Reference to Banking Operations
CAIIB BRBL Unit 32 — Right to Information and Obligations of Public Authorities (Unit 32): Free MCQs with Explanations
By Swarnakshi Jha (ex-banker) · Updated 29 October 2026 · Paper IV of the December 2026 cycle (Sunday 20 December 2026)
This is the free practice page for CAIIB BRBL Unit 32 — Right to Information and Obligations of Public Authorities (Unit 32) (Module D — Commercial & Other Laws with Reference to Banking Operations). The CAIIB Mock Centre holds 119 questions on this unit alone, every one with a why-right / why-wrong explanation; below are the facts examiners keep returning to, five practice questions with explanations, and the traps that cost marks.
BRBL · Module D119 MCQs in the Mock Centre5 free belowPaper on 20 December
Key facts examiners test from this unit
Obligations of public authorities — a public authority keeps its records catalogued and computerised, publishes the seventeen Section 4 heads and updates them yearly, gives reasons for its decisions, and runs its RTI work through PIOs and Assistant PIOs whom other officers must help.
Requests, fees and disposal — a request needs no reasons, costs ₹10 and is answered in 30 days (48 hours for life or liberty); third parties get notice; the Section 8 exemptions yield to public interest and mostly lapse after 20 years.
Appeals and penalties — complaints go to the Information Commission; the first appeal goes in 30 days to the senior officer and is decided in 30 to 45 days; the second appeal goes in 90 days to the Commission, which can order compliance, compensation and a penalty of ₹250 a day up to ₹25,000 on the PIO.
Changed since the textbook
Personal information exemption rewritten (13 Nov 2025). Section 44(3) of the Digital Personal Data Protection Act, 2023, in force from 13 November 2025, substituted Section 8(1)(j) of the RTI Act: it now exempts 'information which relates to personal information', without the public-activity and privacy tests and the proviso about Parliament. Source: Wikipedia
RTI (Amendment) Act, 2019 and RTI Rules, 2019 (24 Oct 2019). The Right to Information (Amendment) Act, 2019 amended Sections 13, 16 and 27: the term and the salaries of the Chief Information Commissioner and Information Commissioners, Central and State, are as prescribed by the Central Government. The RTI Rules, 2019 fix a term of three years, subject to the age of 65, and salaries of ₹2.5 lakh and ₹2.25 lakh a month. Source: Public Administration Institute
5 free practice questions — tap an option
Five practice questions from this unit. Answers lock on the first tap, exactly as in the exam, and an explanation opens underneath. The Mock Centre has all 119 questions on this unit, from easy to tough, with caselets and key-in numericals, why every other option is wrong and the exam tip — and tracks your score and revision dates.
Question 1 of 5
Under Section 4(4), information disseminated by a public authority is available to the public:
Why (a): Section 4(4): such material is available free or at such cost of the medium or print cost price as may be prescribed, and should be easily accessible. (b) is wrong: The authority cannot fix a fee of its own. (c) is wrong: The charge is limited to the cost of the medium or print. (d) is wrong: It is for the public at large.
Question 2 of 5
A person who cannot write makes an RTI request orally. What must the PIO do?
Why (a): Section 6(1): where a request cannot be made in writing, the PIO must render all reasonable assistance to the person making it orally to reduce it to writing. (b) is wrong: Refusal is not permitted; the PIO must help. (c) is wrong: No lawyer is needed. (d) is wrong: The Commission plays no part in receiving requests.
Question 3 of 5
A request relating to another public authority is transferred within:
Why (a): Section 6(3): transfer within five days and inform the applicant. (b) is wrong: 30 days is the disposal period. (c) is wrong: Two days is not the rule. (d) is wrong: A day is not the rule.
Question 4 of 5
Before disclosing confidential third-party information, the PIO gives notice within:
Why (d): Section 11(1): written notice within five days of receipt of the request. (a) is wrong: Twelve months is not the period. (b) is wrong: 10 days is the third party's reply time. (c) is wrong: Thirty days is the time to dispose of a request.
Question 5 of 5
What is the ceiling on the penalty under Section 20(1)?
Why (b): Subject to a maximum of twenty-five thousand rupees. (a) is wrong: ₹50,000 is too high. (c) is wrong: ₹2.5 lakh is far too high. (d) is wrong: ₹5,000 is too low.
0 of 5 answered.
Traps in this unit
Thinking the Assistant PIO decides requests.
Thinking only the designated PIO can be penalised.
Counting the fee-intimation period in the 30 days.
Practise all 119 questions on Unit 32. The free CAIIB demo opens Units 1–2 of every paper with full explanations; the BRBL Online Mock Centre unlocks all 5,800+ BRBL questions, the full-length papers with caselets and key-ins, module mocks and Smart Revision for 18 months (₹1,499).
Independent study aid — not affiliated with, endorsed by, or sponsored by the Indian Institute of Banking & Finance (IIBF). Exam pattern, dates, fees and passing criteria are set by IIBF — always confirm the current rules at iibf.org.in. CAIIB content follows rules and developments up to IIBF's cut-off of 30 June 2026 (where a rule changed later, the update box says so); verify from official sources before relying on them in practice.