Revise 3 earlier PYQs together to build the knowledge CSE 2026 Q90 tests.
Curated to help you revise related PYQs together and understand how UPSC revisits concepts across years — educational guidance, not a prediction.
The question this prepares you for · CSE 2026 · Q90
Which one of the following statements about Unified Payments Interface (UPI) and Central Bank Digital Currency (Digital Rupee) is not correct?
UPI is a real-time payment system but Digital Rupee is akin to sovereign paper currency.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 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.In both the cases (UPI and Digital Rupee), the liability lies with the users and their respective banks.
Why revise these together?
The target contrasts UPI and the Digital Rupee on settlement, recording, and liability. The 2017 UPI and 2024 digital-rupee sources directly build the two halves of the comparison, and the 2025 UPI cross-border question reinforces UPI's payment-system character. Together they squarely prepare a student for the distinguishing features the question probes.