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Social Science · 2026 · 3 marks
CBSE 2026 · Region 1 · Set 2 · Q36
Differentiate between the Reserve Bank of India and other Commercial banks.
Differentiate between the Reserve Bank of India and other Commercial banks.
Marking-scheme solution
| Reserve Bank of India (RBI) | Commercial Banks |
| (i) The Reserve Bank of India supervises the functioning of formal sources of loans. | (i) Commercial banks accept deposits from the public and provide loans. |
| (ii) It monitors that banks maintain a minimum cash balance out of the deposits they receive. | (ii) They maintain the minimum cash balance out of the deposits they receive. |
| (iii) The RBI ensures that banks give loans not only to profit-making businesses and traders but also to small cultivators, small-scale industries and small borrowers. | (iii) They provide loans to businesses, traders, small cultivators, small-scale industries and other borrowers. |
| (iv) It regulates and monitors the working of commercial banks. | (iv) They function under the supervision and regulations of the RBI. |
| (v) The RBI collects periodic information from banks about how much they are lending, to whom they are lending and at what interest rate. | (v) They periodically submit information to the RBI about their lending activities and interest rates. |
| (vi) The RBI works on behalf of central government to issue currency. | (vi) They do not issue any currency. |
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CBSE Class 10 Social Science past-paper question from the 2026 board exam, with the answer as CBSE’s own marking scheme gives it. Where our answers come from.