September 8, 2026

UPSC Prelims 2026 Q90 — UPI and Digital Rupee (CBDC)UPSC प्रीलिम्स 2026 प्रश्न 90 — UPI और Digital Rupee

About 2 min readPublished 8 September 2026

UPSC • Prelims • 2026 • Prelims GS Paper I Attempt the actual previous-year questions first. Official answer, analysis and elimination clue appear only after final submission.

Official Provisional Answer Key — 27 May 2026; retain exactly pending final key 1 questions Official Question Paper ↗ Official Answer Key ↗

Question 90

UPSC2026Prelims GS Paper ISeries A

Subject / विषय: Economy / Digital Payments

Which one of the following statements about Unified Payment Interface (UPI) and Central Bank Digital Currency (Digital Rupee) is correct?

Unified Payment Interface (UPI) और Central Bank Digital Currency (Digital Rupee) के बारे में निम्नलिखित में से कौन-सा कथन सही है?

A. UPI is a real-time payment system but Digital Rupee is also a sovereign paper currency.UPI एक real-time payment system है, जबकि Digital Rupee एक sovereign paper currency भी है।B. In case of UPI, settlement for end users happens instantly as the money gets immediately debited or credited, but in case of Digital Rupee, there is no settlement as the wallet balance gets transferred to another wallet.UPI में end-user settlement तत्काल debit/credit के रूप में होता है, जबकि Digital Rupee में wallet balance दूसरे wallet में transfer होने के कारण कोई settlement नहीं होता।C. UPI transactions are recorded by banks and reflected in bank statements, but in case of Digital Rupee, no data is captured in bank statements as transactions are from one wallet to another.UPI transactions banks द्वारा record होकर bank statement में दिखते हैं, जबकि Digital Rupee के wallet-to-wallet transactions bank statement में record नहीं होते।D. In both cases (UPI and Digital Rupee), the liability lies with the user's respective banks.दोनों मामलों (UPI और Digital Rupee) में liability उपयोगकर्ता के संबंधित banks की होती है।

Official Provisional Answer Key — 27 May 2026; retain exactly pending final key

Question 1 of 1

Author / EditorGoldej Kumar

Goldej Kumar is the Founder and Editor of Sri Ram Exams (Exam2.in), an independent educational platform for UPSC, State Public Service Commission, SSC and other competitive examinations. His editorial focus is on exam-relevant current affairs, source-based analysis, MCQ reasoning, previous-year-question patterns and clear bilingual learning for English- and Hindi-medium aspirants.