📌 Why in News?

On 10 April 2026, the Reserve Bank of India (RBI) launched its medium-term strategy “Utkarsh 2029” to strengthen India’s financial, regulatory, and technological ecosystem.

🔥 Key Highlights

🔹 Implementation Period:

• Covers April 2026 – March 2029 (3 years)

🔹 Major Initiatives:

• Project Sa-Mudra: Modernization of currency management system
• e-Kuber 3.0: Next-gen core banking platform
• Unified Lending Interface (ULI): Expansion of credit access & financial inclusion

🔹 Digital & Technology Focus:

• Expansion of CBDC (Central Bank Digital Currency)
• Frameworks for Artificial Intelligence & Quantum Computing
• Internationalization of Rupee
• Global expansion of UPI

🔹 Institutional Reforms:

• Simplification of Master Directions
• Reduction of compliance burden
• Upgrade of Forex Management System

📚 Additional Information

🔸 Reserve Bank of India (RBI):

• Established: 1 April 1935
• Nationalized: 1 January 1949
• HQ: Mumbai
• Current Governor: Sanjay Malhotra

🔸 Utkarsh Strategy Timeline:

• Utkarsh 2022: 2019–2022
• Utkarsh 2.0: 2023–2025
• Utkarsh 2029: 2026–2029

🎯 Exam Points

• Framework: Utkarsh 2029
• Period: 2026–2029
• Focus: CBDC, AI, UPI, Rupee
• RBI HQ: Mumbai

🇮🇳 RBI ने “उत्कर्ष 2029” रणनीति लॉन्च की

📌 क्यों चर्चा में?

10 अप्रैल 2026 को Reserve Bank of India (RBI) ने Utkarsh 2029 नामक रणनीति लॉन्च की, जिसका उद्देश्य देश की वित्तीय और तकनीकी प्रणाली को मजबूत करना है।

🔥 मुख्य बिंदु

🔹 समय अवधि:

• 2026 से 2029 तक

🔹 प्रमुख पहल:

• Project Sa-Mudra
• e-Kuber 3.0
• Unified Lending Interface

🔹 तकनीकी फोकस:

• CBDC विस्तार
• AI और Quantum Computing
• Rupee का global use
• UPI विस्तार

🔹 सुधार:

• नियमों को सरल बनाना
• Forex सिस्टम upgrade

📚 अतिरिक्त जानकारी

🔸 Reserve Bank of India:

• स्थापना: 1935
• मुख्यालय: मुंबई

🎯 परीक्षा हेतु महत्वपूर्ण बिंदु

• योजना: Utkarsh 2029
• अवधि: 3 वर्ष

📝 Practice MCQs (English + Hindi)

1. RBI launched Utkarsh 2029 in which year?

RBI ने Utkarsh 2029 कब लॉन्च किया?

A. 2025

B. 2026

C. 2027

D. 2028

👉 Answer: B

2. Utkarsh 2029 covers which period?

Utkarsh 2029 किस अवधि को कवर करता है?

A. 2025–2028

B. 2026–2029

C. 2027–2030

D. 2024–2027

👉 Answer: B

3. RBI headquarters is located in?

RBI का मुख्यालय कहाँ है?

A. Delhi

B. Mumbai

C. Kolkata

D. Chennai

👉 Answer: B

4. Project Sa-Mudra is related to?

Project Sa-Mudra किससे संबंधित है?

A. Banking

B. Currency management

C. Insurance

D. Tax

👉 Answer: B

5. e-Kuber 3.0 is?

e-Kuber 3.0 क्या है?

A. Payment app

B. Core banking system

C. Loan scheme

D. Tax system

👉 Answer: B

6. ULI stands for?

ULI का पूरा नाम क्या है?

A. Unified Loan Index

B. Unified Lending Interface

C. Universal Loan Initiative

D. None

👉 Answer: B

7. CBDC stands for?

CBDC का पूरा नाम क्या है?

A. Central Digital Bank

B. Central Bank Digital Currency

C. Currency Digital Code

D. None

👉 Answer: B

8. RBI was established in?

RBI की स्थापना कब हुई?

A. 1930

B. 1935

C. 1940

D. 1949

👉 Answer: B

9. RBI was nationalized in?

RBI का राष्ट्रीयकरण कब हुआ?

A. 1947

B. 1948

C. 1949

D. 1950

👉 Answer: C

10. Utkarsh 2.0 covered which period?

Utkarsh 2.0 किस अवधि के लिए था?

A. 2020–2022

B. 2023–2025

C. 2024–2026

D. 2025–2027

👉 Answer: B