निम्नलिखित कथनों पर विचार कीजिए :
- 1.भारतीय राष्ट्रीय भुगतान निगम (नेशनल पेमेंट्स कॉर्पोरेशन ऑफ़ इंडिया/NPCI) देश में वित्तीय समावेशन के संवर्धन में सहायता करता है ।
- 2.NPCI ने एक कार्ड भुगतान स्कीम RuPay प्रारंभ की है ।
उपर्युक्त कथनों में से कौन-सा/से सही है/हैं ?
Read this question in English
Consider the following statements:
1. National Payments Corporation of India (NPCI) helps in promoting the financial inclusion in the country.
2. NPCI has launched RuPay, a card payment scheme.
Which of the statements given above is/are correct?
(a) 1 only · (b) 2 only · (c) Both 1 and 2 · (d) Neither 1 nor 2
उत्तर और व्याख्या · explanation in English
Answer: (c) 1 और 2 दोनों
Both statements are correct. NPCI is the umbrella body for retail payment systems set up with the Reserve Bank's encouragement, and RuPay is its domestic card scheme, whose debit card is issued to Jan Dhan account holders as part of the drive for financial inclusion.
- ✓ 1. NPCI operates the country's retail payment systems, and its RuPay debit card is what beneficiaries of the Pradhan Mantri Jan Dhan Yojana, the national financial inclusion mission, receive with their accounts. Through this card NPCI is tied into the drive for financial inclusion.
- ✓ 2. RuPay is India's own domestic card scheme, launched in March 2012 with NPCI as the body responsible for it.
Remember · NPCI: the RBI-encouraged umbrella body for retail payments (functional 2009). Its RuPay card scheme (launched 2012) is also the debit card issued under Jan Dhan.
Sources
- Reserve Bank of India: Payment Systems, National Payments Corporation of India ↗ “The Reserve Bank encouraged the setting up of National Payments Corporation of India (NPCI) to act as an umbrella organisation for operating various Retail Payment Systems (RPS) in India.”
- Reserve Bank of India: Payment Systems Vision Document 2018-2021 ↗ “including the RuPay card scheme which was launched in March 2012. Collaborative effort will be initiated among NPCI, banks and the Government”
- Pradhan Mantri Jan Dhan Yojana (Department of Financial Services): About ↗ “In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of”
Question and answer: UPSC's official GS Paper I (2017, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 1 Oct 2026 (how we verify). ·