Daily Quiz — 05 Jul 2026

1. Q1.According to the article on HDFC Bank's Q1 FY27 performance, what was the bank's loan-to-deposit ratio in the June 2026 quarter?

   96.6%94.2%98.5%92.1%
   Explanation: The article explicitly states that HDFC Bank's loan-to-deposit ratio edged up marginally to 96.6% in the June 2026 quarter, reflecting a tight liquidity position while the bank's deposits crossed ₹31.7 lakh crore.

2. Q2.What was the primary purpose of NABARD's stakeholder meeting held in New Delhi regarding agricultural credit?

   To revise unit cost benchmarks for agricultural credit pricingTo reduce interest rates for farm loans by 2%To eliminate processing fees for agricultural loansTo mandate bank mergers in rural areas
   Explanation: NABARD convened the meeting to revise unit costs — benchmark estimates used by banks to price agricultural credit — ensuring they reflect current input and operational expenses. This is critical for ensuring timely and adequate institutional credit to farmers and rural entrepreneurs.

3. Q3.According to the article on India equities and the AI trade, what advantage does India's absence from the AI rally provide to global investors?

   It positions India as a low-volatility diversifier within emerging market portfoliosIt guarantees 15% annual returns on equity investmentsIt eliminates all currency risk for foreign investorsIt provides direct access to AI sector stocks
   Explanation: The article states that India's absence from the AI rally, once viewed as a drawback, now positions it as a low-volatility diversifier within emerging market portfolios, as global investors seek hedges against AI-trade sustainability concerns.

4. Q4.How much stake in Waaree Energies did the CT Doshi Family Trust agree to acquire from promoter Chimanlal Tribhuvandas Doshi, according to SEBI's exemption ruling?

   44.88%51%38.5%26%
   Explanation: The article clearly states that SEBI exempted the CT Doshi Family Trust from making a mandatory open offer after it agreed to acquire a 44.88% direct stake in Waaree Energies as part of a family succession arrangement.

5. Q5.According to the article on loan costs, beyond advertised interest rates, which of the following is NOT mentioned as a hidden cost that can increase the effective borrowing burden?

   Processing fees and insurance add-onsPrepayment charges and late payment penaltiesCurrency conversion fees on foreign loansAll of the above are mentioned in the article
   Explanation: The article specifically mentions processing fees, insurance add-ons, prepayment charges, and late payment penalties as hidden costs affecting the true cost of borrowing. Currency conversion fees are not mentioned in the article's list of borrowing cost components.

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