Description

Financial Institutions & Markets
June 2024 Examination
1. “Banking and financial services have been seen as a significant transformation as a
result of the introduction of digital technologies”. In view to the given statement,
enumerate how UPI, Blockchain and AI are changing the trends in the banking and
financial service industry. (10 Marks)
Ans 1.
Introduction
The banking and financial services industry is undergoing a radical transformation driven by
the advent of digital technologies. This shift is not just about automation or increased
efficiency; it’s about fundamentally redefining how financial transactions and services are
conducted globally. Among the most influential technologies shaping this change are the
Unified Payments Interface (UPI), Blockchain, and Artificial Intelligence (AI). These
innovations are revolutionizing the industry by enabling faster, more secure, and customercentric
financial processes. The integration of these technologies has not only enhanced
operational efficiencies but also expanded the scope of financial services, making them more
accessible to a broader audience. This essay will explore the specific impacts of UPI,
Blockchain, and AI on the banking and financial services sector, highlighting the
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2. Elaborate the given statement “It is better to invest money in some other financial
instrument rather than buying life Insurance. ‘’ (10 Marks)
Ans 2.
Introduction
The debate over the optimal deployment of personal finance often centers around comparing
investment in life insurance versus other financial instruments. Traditionally, life insurance
has been considered a cornerstone of financial planning, primarily providing security against
the uncertainties of life. However, with the evolution of diverse investment opportunities
offering potentially higher returns, many now argue that funds might be better allocated
elsewhere. This assertion rests on analyzing the comparative returns, liquidity, risk exposure,
and the financial goals of an individual. Understanding the unique characteristics of life
insurance and contrasting it with other investment options like stocks, bonds, mutual funds,
and real estate can illuminate why one might consider alternatives to investing solely in life
3. Neeta wants to diversify her portfolio and wants to invest in mutual fund. She is
unaware about mutual funds and its significance.
a. Help Neeta to explain details about mutual fund and its significance in investing in
Mutual fund. (5 Marks)
Ans 3a.
Introduction
Mutual funds present an appealing investment option for individuals like Neeta looking to
diversify their investment portfolios. By pooling money from many investors, mutual funds
allow individuals to invest in a broad range of securities, managed by professional fund
managers. This approach provides an accessible route to a diversified investment portfolio,
which can mitigate risk while potentially enhancing returns.
Concept and Application
A mutual fund is an investment vehicle composed of a pool of funds collected from many
b. Help Neeta to understand the various types of Mutual Funds and structure of Mutual
Funds. (5 Marks)
Ans 3b.
Introduction
For investors like Neeta who are considering mutual funds as a part of their investment
strategy, understanding the various types of mutual funds and their structures is crucial. Each
type of mutual fund caters to different investor needs based on risk tolerance, investment
horizon, and financial goals. This knowledge can empower Neeta to make informed decisions