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JAIIB PPB Unit 21 — The Right to Information Act 2005: Free MCQs with Explanations

By Swarnakshi Jha (ex-banker) · Updated 20 September 2026 · Paper 2 of the November 2026 cycle (22 November 2026)

This page is a free slice of our JAIIB PPB question bank for Unit 21 — The Right to Information Act 2005 (Module A — General Banking Operations). The Mock Centre holds 56 questions on this unit alone, every one with a why-right / why-wrong explanation; below are the facts examiners keep returning to, five of those questions to try, and the traps that cost marks.

PPB · Module A56 MCQs in the Mock Centre5 free belowPaper on 22 November 2026

Key facts examiners test from this unit

  1. RTI 2005: transparency/accountability/anti-corruption; repealed the FOI Act 2002; OVERRIDES the Official Secrets Act 1923 (Sec. 22); whole of India; right vests in CITIZENS (Sec. 3).
  2. Definitions: information = material held (not future events); right = inspect + notes + certified copies + samples + electronic forms (never taking records away); public authority = constitution/ law/notification bodies + substantially-financed NGOs; PSBs = public authorities.
  3. Machinery: PIOs designated by EACH authority; APIO receives/forwards (5 days; +5 days to the PIO's clock); Sec. 4 suo-motu disclosure updated ANNUALLY, records catalogued/indexed.

5 free practice questions — tap an option

Five basic questions from this unit. Answers lock on the first tap, exactly as in the exam, and a short explanation opens underneath. The Mock Centre adds the moderate and tough questions, why every other option is wrong, the concept capsule and the exam tip — with your score and revision dates tracked.

Question 1 of 5
The main object of the RTI Act, 2005 is:
Why (b): The RTI Act, 2005 exists to secure TRANSPARENCY IN PUBLIC AUTHORITIES — an informed citizenry and accountability are the preamble's goals.
Question 2 of 5
For RTI purposes, public sector banks are:
Why (b): For RTI purposes, public sector banks are PUBLIC AUTHORITIES — government-owned and controlled, so they must designate PIOs and answer requests.
Question 3 of 5
An RTI application may be made in:
Why (c): Language flexibility + written/electronic modes (PIO helps oral requesters reduce it to writing).
Question 4 of 5
Must the applicant give REASONS for seeking information?
Why (b): NO — the applicant need give NO REASONS for seeking information; Section 6(2) makes the Act motive-blind by design.
Question 5 of 5
Information concerning LIFE OR LIBERTY must be given within:
Why (b): Information concerning LIFE OR LIBERTY must be given within 48 HOURS — the emergency clock inside the ordinary 30-day regime.
0 of 5 answered.

Traps in this unit

Confusable AConfusable BThe difference
FOI Act 2002Official Secrets Act 1923REPEALED vs OVERRIDDEN
₹10₹2Application fee vs per-page copying charge
Practise all 56 questions on Unit 21. The free demo opens a slice of every subject with the same explanations; the PPB Online-only pass unlocks all 3,280 PPB questions, the full and module mocks, Smart Revision and the Readiness Score for one year (₹1,299). Not sure where you stand? Take the free 10-question test first.
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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. Regulatory figures verified as of September 2026; verify from official sources before relying on them in practice.