1.

CRR ratio of schedule

2. Protocol used for file transfer (FTP)
3. Networks to network is called (Internet)
4. Ombudsmam person is required if a bank has ...... no of outlets.(7,10,5)
5. Factoring question 2 marks
6. Lady come with 9 yr old child and asks u to open minor account to be operated by her (ahe as
natural Guardian)..what you will do?
7. Internet defination
8. Topology defination
9. What is INEt?
10. Hypothecation
11. Assignment
12. Market information system
13. Absorption price
14. SEBI function
15. Two times endorsed cheque one que
16. Product development atages - maturity stage was asked in details
17. Feature of cheque truncation system
18. Money market instruments were asked
19. Which of the following is direct marketing? Zero level, one level were the option
20. Not a Function of marketing? Planning, implementation, control, correction
21. Credit information can be accessed by which parties?
22. Banker customer relationship
23. Consumer protection act- national commission is established by
24. STR to be submitted within -7 days
25. Interest rate on unclaimed account
26. Facilities required by exporters from bank
27. TReDs act

1. Age limit of pmjdy account holder for od limit

2. In case of natural death in which insurance category it comes like plant or jjby
3. In how much time atm holder claims for insurance
4. OD limit for pmjdy account holders
5. which is not part of social media? pinterest/instagram/facebook/wikipedia
6. PMJJBY
7. PMSBY
8. Consolidation of firms
9. MCLR
10. Garnishee order
11. Bankers cheque validity from date of issue
12. A and b are having locker operation with e or s.. c is appointed as nominee... now A is
expired...who can operate the locker
13. Topology network means?
14. NET is used for?
15. SWIFT operation means
16. 8 questions from ethics, mainly business ethics
17. Conditional mortgage
18. Clayton rule
19. Questions from lien, set off, hypothecation, pledge
20. Who's the weaker section in priority sector lending?
21. Not maintaining SLR how much penalty?
22. SHG max age
23. Factoring Forfeiting
24. Cersai within how many days to be registered
25. Which of the following functions are carried by IRDA in India? (i) Regulator of insurance
companies, (ii) Regulator of insurance products, (iii) Supervision of the general insurance market
a. Only (i) and (ii)
b. Only (i) and (iii)
c. Only (ii) and (iii)
d. (i) (ii) and (iii)

1. NURLM - subsidy amount

2. Book Debts
3. PMJJBY max age
4. Cooperative bank can borrow 2% .....how many points base
5. Marketing (max no of questions)
6. How many points base interest subvention in NULM NRLM % and upto wat amount
7. Possession can transfer in which type of mortgage - unsufructuary mortgage
8. Provision related questions (3)
9. Questions on priority sector lending
10. YOJANAs ( PMJDY PMSBY PMJJY PMJBY )
11. IRDA / SEBI / RBI related questions
12. Doubtful NPA provisioning
13. EMV stands for EUROPAY MASTER card & VISA
14. Right of subrogation
15. Kharif season food grain PMFBY premium
16. DD cancellation?
17. Cheque payment after working hours
18. Market stabilisation scheme purpose
19. Supervision of RBI
20. Marking concept
21. Basel concept
22. NPA concept
23. 5-6 question From NI act
24. Minor comes which act
25. Gandhian thought from kuran; gita etc

1. Subvention scheme
2. Securities
3. Limitation
4. Clearing cheque question
5. STR reports submit within 15 days
6. Fake currency reports
7. NASDAQ from
8. CTR cheque
9. 5-7 question from bank deposit policy
10. 2-4 question from insurance sector
11. 1-2 question from Acts
12. Question from DNTL
13. Question from Whistle blower policy
14. NEFT related
15. ATM switch
16. Multiple pin use - debit card credit card; smart card
17. Question from CBS
18. Minor account can open with mother/father
19. Priority sector targets sub targets
20. 4p, 4c, study the mcq of each chapter from the book
21. PMSBY loss of one eye one hand insurance cover
22. Phishing attacks
23. Objective of relationship management
24. Function of CKYCR
25. SMF is mandatory for exchange of information smoothing in

1. Electronics chq is defined under sec... 6(a)

2. Sec 6 NI Act - Cheque
3. Sections were asked from NI Act - around 6 questions
4. PMJDY - 3 questions
5. Mandate holders - 2 questions
6. Can 2 minors open a joint account? E or S/For S/jointly*/minor cant open joint act
7. LC issued for Rs. 10 Lakhs. At the time of payment it was found in the bills mentioned as Rs.
10.90 Lakhs. Can it be accepted? - Yes.
8. Use of DRS system to CBS
9. Stages of Product Life Cycle - 4
10. Asset of Mutual Fund are held by... Custodian*/Registrar/Trustee
11. Corporate Security deals with ...... Market - Money Market
12. Codes which are withdrawn by RBI? - CDR S4A SDR JLF FSELT
13. What's your reason while accept/not to accept to provide an acknowledgement for Loan
request?
14. Questions related to BCSBI
15. 3 questions about RTGS and NEFT
16. Matching of Lien/Set off/Pledge/Appropriation - Rights of physical property/FD created before
maturity of loan
17. Where ASBA can be used?
18. 1 questions on Selective Control - to find out which is not a feature of SCC
19. Which asset cannot be assigned for loan? - Book Debt/LIC/Share Certificate/Copy Rights*
20. Minimum Credit rating of company for issue of CP should be ...... A1/AAA/AA1/A3*
21. 3/4 questions about computer data and security related in data question
22. White lable ATM
23. Limitation period of charges
24. Off balance sheet items
25. Basel 2 and 3 / ps lending / pmegp loan / checksm/
26. Forfaiting
27. Factoring
28. Partnership, computerization chapter
29. MSME Chapter
30. Questions on Credit Card
31. Maximum questions from NI Act
32. Approx 10 case study questions related to Day to Day Banking... Capital Market... and
Marketing.
33. Forged Demand Fraft comes under which sec of NI Act?
34. Actionable claim.. which act?
35. A customer want to send 230000 rupee in his son's account of other bank with in 1 hour. Which
medium is the preferred? IMPS/NEFT/RTGS*/IMPS & RTGS BOTH
36. Classification of MSME advances will be done on the basis of? Annual turnover
37. 1 Question from BSBDA

1. Assignment of policy comes under which act

2. MSME targets read in detail
3. Exposure to infrastructure limits
4. General day to day banking 2 to 3 questions
5. Effects of FII in market
6. Factoring and forfaiting 2 to 3 questions
7. CBS related 2questios (Advantages of CBS)
8. RTGS/NEFT
9. Priority Sector lending to Agri and MSME
10. Case study of Garnisse Order
11. Relationship between Banker and Customer for Safe Locker
12. Case study on how many facilities can be given to exporters
13. Suitable facilities for receivables
14. Act for Assignment
15. Advantages of multiple smart card
16. Basel norms
17. Limitation period of DPN
18. Working capital assessment depends upon?
19. Cash management services
20. Joint account related 2questions
21. CTS
22. CBS related 3questions
23. Case study-Garnishee order, Factoring
24. Off balance sheet
25. Financial contract b/w 2parties exchanging of interest payments for a notional principal amount
on multiple occasions during a specified period
26. Full FORM DVP

3 QUESTIONS FROM BENEFITS OF CBS

1 QUESTION FROM ADVANTAGE OF LAN
1 QUESTION WIHITE LABLE ATM CRITERIA
1 QUESTION FROM SMART CARDS ADVANTAGE TO BANK
1 QUESTION SECURITY FEATURE NOT PROVIDED IN MUTLIPLE PIN FACILITY OPTION 1 DYNAMIC
SIGNATUTE 2 RETINAL VERIFICATION 1 QUESTION CTS ADVANTAGES
1 INCENTIVE GIVEN BY RBI TO EXCHANGE OF SOIL NOTE 1 QUESTION MODEM FUNCTION
1 QUESTION WHICH IS NOT RELATED TO INTERNET NETWORK
1 QUESTION NOT STANDARD MESSAGE FORMAT HAVE BEEN DEVLOPED BY SWIFT
1 QUESTION FAST WAY TO TRANSFER 2,30,000 TO ANOTHER BANK
1 QUESTION STORAGE OF DATA WAREHOUSE AND EXTRACTION THOUGH DATA MINING
1 QUESTION EDI FORMATING STANDARDS PROVIDE GUIDELINE
1 QUESTION BANK CORPORATE WEBSITE NOT PROVIDE - SERVICE OF SDV
1 QUESTION NOT BENIFTE OF CREDIT CARD 1 QUESTION CRR SECTION - SEC 42 (1) OF RBI ACT
1 QUESTION IN WHICH LAF FUNCTION - LIQUIDTY INJECT
1 QUESTION FII INVEST IN - PARTICIPATORY NOTES
1 QUESTION NOTIONAL T BILSS RELATED FROM - INTREST RATE FUTURE
1 QURSTION WHICH SHARE HOLDER HAVE VOTING RIGHTS
1 QUESTION SECIURITY RECEIPTS ISSUED BY 1 QUESTION FROM ZERO COUPON BOND
1 QUESTION RED HERRING PROSPECTUS
1 QUESTION HOW NAV CALCULATED
1 QUESTION BANK PROVIDE WHICH TYPE OF BANK GUARANTEE TO CONTRACTOR
1 QUESTION LETTER OF CREDIT ROLE OF IMPORTER
1 QUESTION RELATED TO CREDIT RISK 1 QUESTION OBJECTIVE OF MERGER IS NOT MATCH
1 QUESTION WHICH IS NOT MEMBER OF CIC- ANS CRISIL
1 QUESTION BCSBI

1 QUESTION WHICH OPTION IS CORRECT RELATED TO CTR- ANS WHICH HAVE BEEN BELOW 10
LAKH OR ITS EQUIVALENT IN FOREIN CURRENCY 1 QUESTION BSBDA RELATED ANS - 50000 NOT
100000
1 QUESTION NOT ADVANTAGE OF LEASE FINANCING
1 NOT ADVANTAGE OF CREDIT CARD FOR BANK
1 QUESTION MANDATE FOR PATNERSHIP FIRM A and B PATNER , A GIVE MANDATE TO ANY -
NOT APPLICABLE IN FIRM 1 QUESTION NOT FEATURE OF SET - OFF
1 QUESTION COMPENSTION IN BANKING OMBUDSMAN
1 QUESTION PROTECTION UNDER FORGED ENDOREMENT IN DRAFT- SEC 85 A
1 QUESTION TWO MINOR OF 12 YEAR CAN OPEN ACCOUNT-
1 QUESTION NOT BASIC FUNCTION OF PORTFOLIO MANAGEMENT
1 QUSTESTION LOAN TO MARGINAL FARMER - 8% OF ANBC
1 QUESTION LOAN TO CORPORATE FARMER - 2CR
1 QUESTION CERSAI MANDOTRY BY - SARFAESI 1 QUESTION GOVERNMENT WILL PROVIDE WHO
MUCH INTREST SUBVENTION SHORT TERM- 2%
1 QUESTION MSMED % OF TOTAL ADVANCE GO TO MICRO ENTERORISES- 40%
1 QUESTION CGTMSE - ANS SANCTION AMOUNT
1 QUESTION FROM HYPOTHECATION
1 QUESTION BIKE LOAN IN WHICH GOLD IS PLEDGE FOR HOW MUCH PERIOD - 60 MONTH
1 QUESTION ABOVE THAN 180 DAYS INTREST OR PRINCIPLE not Served - substandard assest 1
QUESTION FINACIAL INCLUSION RELATED
1 QUESTION WHAT IS SERVUCTION PROCESS
1 QUESTION WHO MANY TYPE OF PRODUCT LIFE CYCLE - 4 TYPE ANS
1 QUESTION NOT RELATED TO MARKETING- ENCASHES PROFITABLE OPPORTUNITY
1 QUESTION USA PROF JAGDISH SHETH RELATED 4A
1 QUESTION BENIFITS OF SOCIAL MARKETING 1 QUESTION MASLOW HEIRACHY RELATED
1 QUESTION ON WHICH NOT INCLUDE FAMILY LIFE CYCLE STAGE - EMPTY,YOUNG,HALF IS
INCLUDE
1 QUESTION GAP 5 REALTED TO -EXPECTED SERVICE
1 QUESTION WHAT HAPPEN IN DECLINE STAGE
1 QUESTION DIRECT MARKETING CHANNEL - MANUFACTURE TO RETAILER/MANUFACTURE TO
WHOLSELER TO RETAILER/MANUFACTURE TO CONSUMER
1 QUESTION PRIORTY SECTOR EDUCATION LOAN UNDER PRIORTY SECTOR
1 QUSTION MAXIMUM PROJECT COST IN PMEGP MANUFACTURING -25 LAKH

1. Maslow's hierarchy of needs

2. Kotler definition of product
3. Benefits of social media
4. Which method used in social media marketing
5. Stages of product life cycle
6. Sales at decline stage
7. Direct marketing channel
8. Horizontal marketing system
9. Gap analysis of gap 5 identify ... After perceived service
10. PMJDY
11. 2-3 Questions from LC
12. Multi smart card
13. Call money
14. Minor ac related
15. Marginal and small farmer
16. 2 Questions from Housing loan
17. 2 Questions from NAV
18. Product Life cycle
19. Forged endorsement in dd
20. Hypothecation
21. Data mining
22. Kotler def
23. Maslow's hierarchy of needs
24. 3-4 Questions from Social media
25. Swift
26. NEFT
27. Bill discounting
28. CRR defined in which act
29. LTV loan to value ratio for 75 lakh
30. Right of appropriation case study question
31. Asset classification SMA0 value
32. Question related to nomination : A person wants to make temple trust as nomination........
33. which is not payment system : CHIPS, CHATS, PI*
34. Most highlighted topic was CORE BANKING SOLUTION and LETTER OF CREDIT / NI ACT
35. In locker case what relationship bank and customer - lessor/Lessee

1. Modem - general ques

2. Irrevocable lC- one question: once issued the terms and condition cannot be changed or
canceled without the agreement of all the parties.
3. RING TOPOLOGY: closed loop
4. MESH TOPOLOGY: each nodes connected to every other node on a network.
5. MUTUAL COMMODITY EXCHANGE(MCX): operated under regulatory framework of forward
contracts act. Facilitates online trading , agri based or agri commodities.
6. Securitisation- one ques.. what it does
7. CBLO FULL FORM
8. DEMUTUALISED EXCHANGE- one ques.. basic info
9. CASH MANAGEMENT-3 ques.. all basic info
10. Foreign bank less than 20 branches contribution to ANBC
11. What is LAN?
12. SMA 2 : 61 to 90 days
13. Net NPA = ?
14. Simple mortgage means what ?
15. Risk classification _4
16. Operational Risk ?
17. Market risk ?
18. Topology -3
19. RTGS -1 minimum-2lakhs and maximum-no limit
20. Mobile banking -1 e wallet where can be used

Swift -1 24 hrs / 5 day a week

Cheque deceased case
Joint account - a,b,c one dead wether rest two can operate ,
Modem - what is it - Modulation and demodulation
LAN - computer Nd is peripheral
Basel III .... Triple cc means what ?
Treasury bills one question
Agriculture subvention max limit 3 lakhs
Red clause LC ?
Green clause LC?
Bank guarantee
Letter of credit many questions
Priority sector
Asset classification
Provisioning - substandard account how much provision - Secured-15% and unsecured-25%
Locker operation
NI act
Order cheque - instead of one other person encash .... Paying Bank protection
In the name of A ... Other persons encash legal or illegal
 LC - negotiable bank advisory bank
Paying Bank ...... Finally which bank will be given credit
foreign banks - priority sector weaker section -10
Marketing - product developing
Advertisement - one product colour name
Direct marketing
Product life cycle
Risk - operational Risk etc
Deposit receipt - definition - foreign person deposited here
CBLO - abbreviation
Pmsby pmjby - insurance cover when it will terminate -70 years attainment fore feighting services -
international exporters finance
Performance guarantee - 1
Type of letter of credit -
Basel III -
Horizontal merger - definition
IBA - bankers 3 rd party code
Customer banking relation - safe custody bailee bailer relationship
Garnishee order - account credit balance ....y bank doesn't pay ....
Write to set off 3 questions
Cash management means what ?
Working Capital

1. Relationship in Safe custody ...... Ans - Customer - Bailor & Bank - Bailee
2. NRLM replaced ...... Ans - Swarnajayanti Gram Swarozgar Yojana (SGSY). The scheme was succeeded
by Deen Dayal Antyodaya Yojana on 25 September 2015.
3. Mortgage is defined in which act ...... Ans - Transfer of Property Act 1882
4. RBI Nationalised in which year ...... Ans - 1949
5. Area covered under LAN generally ...... Ans - 150 Meters
6. Banking services in the realm of Wealth management are best delivered through ...... Ans - Face to
face transaction
7. A fraud committed by a large number of customers on bank would basically result in ...... Ans -
Reputation risk
8. KYC procedure for opening small account has been simplified for those person not having an officially
valid document, the balance at any time should not exceeds Rs....... and Credit should not exceeding ......
Ans - 50000, 100000
9. In case of partnership one partner died then what will happen in partnership? Ans - Partnership firm
dissolved
10. Function of RBI
11. Alliance and contract
12. NPA Problem on provisioning
13. Cr bal limit and transaction limit for no frill accounts
14. Settlement of deposit for nominee
15. Half-Nest - Ans - Married with young children
16. Pillar - II - Ans - Supervisory Review Process
17. Basel - III
18. Question from Minor Account
19. Assessment of working capital
20. Credit Monitoring
21. Agri Financing
22. Product Cycle
23. Marketing
23. SHG
24. Credit Card
25. Off Balance Sheet items
26. Mutual Funds
27. NCPI
28. KYC Norms
29. Garnishee Order
30. Banker's Lien
31. Right to set off
32. Priority Sector Advances

33. MSME
34. CD issued by?
35. 4c's, 4p's match the following
36. Monetary policy by?
37. Banks doing insurance bussiness under which act? Insurance Regulatory and Development Authority
Act
38. Customer bank relation match the following?
39. SHG withdrawal must be signed by?
40. You have paid rs.40000 in business hours for a customer. The account has balance of 200000
remaining. U received garnishee order after business hours of Rs. 250000. What would you do?
41. BG issued by your bank. What is your bank?
42. NPCI Was introduced by?
43. Short term agriculture lone becomes NPA for how much time? Ans - 2 crop season
44. Which is not comes under direct agriculture advance?
45. What is the first stage in new product development?
46. Mortgage is definitely need under which Act?
47. Write appropriate ans about RBI. Ans - RBI is started Apr 1. under RBI act
48. BASEL 2 consists of ?
49. What is the second stage In Kyc?
50. CC sanctioned based on Wt Procedure.
51. If Banks not maintain min CRR requirement what is the penality?
52. What are the capital market instruments?
53. A bond which will issue below the face value? Ans - Discount bonds
54. What are the provisions for Doubtful assets 3? Ans - Secured - 40%, Unsecured - 100%
55. A & B are joins holder of FDR. If A died then what will happen to the FDR? Ans - The surviving holder
may claim the rights over deposit.
56. BANKNET uses which switching? Ans - Packet switiching
57. Simplex transmission. Ans - Transmitting data only in one direction
58. Mr A who is resident of outside India. His grand parents are Indians. Then A called as ......
59. Revolving LC
60. Once mortgage created it has to register with whom?
61. Loan against term deposit on the name of minor
62. Paying bank protection of NI act..
63. How much loan sanction as education loan of courses in India.
64. About marketing mix and 4p's total 3 questions

System auditor software in CBS do what function?

Max Educational loan in india for priority sector?

14 year minor go to bank for cash collection by singning of his father? What bank do!
Change in product quality in which stage marketing cycle. 1.maturity 2.gwoing 3.decline 4.none

half nest 2 questions

max lending allowed for physical format of shares

basel 3 pillar 2?

supervisory review ka functions

adr,gdr trades in which currency

fiu-ind director kaun appoint kartha hain

which of follwing does sebi allows to participatory notes

who regulates inflation

interest rates

gopher

how net working capital calculated

parts of cpu

E or s acc, f or s main garnishee order ka one question

differnce between 7p,s and 4p,s of marketing

life stage of product

increase in crr affect on money market

fimmda regulations

NPA provisioning percentage for doubtful asset

credit card validity

1. RBI has share of - central or state govt?

2. Market stabilisation scheme related to -sebi or RBI?
3. Does bank charge anything for activation of dormant charges?
4. What is kite flying in banking?
5. Minimum days for fixed deposits?
6. Provisioning norms for sub standard assets?
7. Which is a process of disaster recovery? prevention monitoring recovery or testing?
8. Bank should not sanction to a loan until 5 yr?
If it is in RBI defaulter list or bank declares wilful defaulter.
9. CIC can display name if loan os is 25 lakh and above? If account is doubtful or loss.
10. Rbi prepare it's monetary policy with- finance minister,dy governor,ED,governor
11. KCC is for -short term crop production
To buy pumpset, to meet consumption purposes.
12. Rule of Clayton's applicable in
Right to set-off or bank general lien,particular lien.
13. Decline stage where-sale is stagnat and cost is fixed.
14. Mortgage where mortgagee promise to return if paid due amount-conditional mortgage
15. Why people will prefer bank- acc to service or location
16. Which doesn't include in 4c-customers choice.
17. What improve product marketing-packaging,perishability.
18. A and B has former or survivor ac. A dies.legal heir of a claim.who will receive.
19. Basel 3 should have how many %risk weight age.-4.5%
20. How much % need for pan for agril advance?10%of anbc of off balance sheet items.

1. In token ring topology,token means....?

2. A and B have a F or S acct.A dies.B claim the amt.Meanwhile widow of A also claim .Who will you
pay?
3. Atm connected to bank CBS....?A.online B.offline C.POS D.networked atm
4. Minimun time period of term deposits?
5. Term deposit interest rate are decided by? A.IBA B.Individual banks with stipulations C.individual
banks freely...
6. RBI shares lies with...?
7. PMEGP implemented by 1.KVIC 2.Labour ministry 3.Commerce ministry 4.banks
8. communication is faster in wat terrestrial cable?
9. PSL lending by foreign banks with less than 20 branches
10. Non visible material alteration in cheque give protection to paying banker or not.

MUDRA - Micro Units Development & Refinance Agency Ltd.

Charge Card - In such cards, transactions are accumulated over a period of time, generally a
month and the total amount charged, i.e. debited to the account. The credit card holder is given
about 25 to 50 days' time to credit his account in case there are insufficient funds in his account at
the time of debit.
Garnishee Order: Monetary judgement by the court against defendant by ordering third party
(garnishee) to pay money owed by the defendant (judgement debtor) to the plaintiff (judgement
creditor). This is so when there is default in debt repayment.
Strategic Alliance : A strategic alliance (also see strategic partnership) is an agreement between
two or more parties to pursue a set of agreed upon objectives needed while remaining independent
organizations. A strategic alliance will usually fall short of a legal partnership entity, agency, or
corporate affiliate relationship.
Selective Credit Control (SCC) directives is to prevent speculative holding of essential
commodities and the resultant rise in their prices. RBI's general guidelines on SCC are:
(i) Banks should not allow customers dealing in SCC commodities any credit facilities including
against book debts/receivables or even collateral securities like insurance policies, shares, stocks
and real estate) that would directly or indirectly defeat the purpose of the SCC directives,
(ii) Credit limits against each commodity covered by SCC directives should be segregated and the
SCC restrictions be applied to each of such segregated limits.
IDBI and Bharatiya mahila bank - Public sector banks
Social Media Marketing - It is the use of social media platforms and websites to promote a
product or service.[1] Most of these social media platforms have their own built-in data analytics
tools, which enable companies to track the progress, success, and engagement of ad campaigns.
Account payee crossing is comes under which act? - Its just a practise follwed at large.
Maximum numbers of partners in partnership - 50
APY subsidy - 50% of the total contribution or Rs. 1,000/- per annum, whichever is lower, to the
eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st
December, 2015. The Government co-contribution will be given for 5 years from FY 2015-16 to
2019-20.
Incentive for Exchange of soiled notes/adjudication of mutilated banknotes over the counter at
bank branches
a. Exchange of soiled notes – Rs. 2 per packet for exchange of soiled notes up to Rs. 50/-.
b. Adjudication of mutilated notes – Rs. 2.00 per piece.
Uberrimae Fidei Contract - A legal agreement requiring the highest standard good faith.
"Uberrimae fidei" or "uberrima fides" is Latin for "utmost good faith." Insurance contracts are the
most common type of uberrimae fidei contract. Because the insurance company agrees to share the
risk of loss with the policyholder, it is imperative that the policyholder act in good faith by fully
disclosing all information that affects the insurance company's level of risk.
An American Depositary Receipt (ADR) is a negotiable certificate issued by a U.S. bank
representing a specified number of shares in a foreign (i.e. non-U.S.) stock that is traded on a U.S.
exchange. ADRs are denominated in U.S. dollars, with the underlying security held by a U.S.
financial institution overseas. ADRs help to reduce administration and duty costs that would
otherwise be levied on each transaction.
A Global Depositary Receipt (GDR) represents a bank certificate issued in more than one
country for shares in a foreign company. The shares are held by a foreign branch of an
international bank. The shares trade as domestic shares, but are offered for sale globally through
the various bank branches. The term GDR is used throughout the globe and designates any foreign
firm that trades on an exchange outside its home country.
.................................
15-20 questions from marketing like pricing, promotion mix etc
Mobile banking related 2 questions
Case studies on LC and BG
Marketing vs selling --- should identify wrong statement
Matching of 4 ps with 4cs
Which is not a characteristic of services?
Banker right
Lending percentage for micro small manufacturing service units
Maximum members in SHG
Minimum number of members in Public Limited Company
kcc percent
RBI function
Repayment period in short term crop loan
LAN Topology
Revovery disater
Promotion mix
Net working capital
Capital adequacy ratio
Data warehousing
Pledge
Assignment
PMEGP
Half nest
Clayton Rule
CGTMSE
BCSBI registered as?
IAS,DvP IN MARKETING
PSLCS
What is reinsurance?
SLR full form
Banks insurance coverd by DICGS

 Gorpher related qustion

 eKYC
 KCC loan related qustion
 Which of these control LAN traffic : Central Node, Firewall, Hub, Repeater
 Validity of dpn in loan documents?
 SLR
 MCLR
 Education loan covered under Priority sector upto limit
 Credit gurantee for education loan upto what amount
 CGTSME Limit
 Validity of agricultural loan
 NRE NRO questions
 NPCI
 Multi brand
 Sericulture
 MSME
 Education loan
 Daily limit of mobile banking transaction
 CPU consists of
 Bima yojna
 Sarfaesi act
 Currency issue by rbi
 Problem on L C.
 National payment corporation of India set up by?
 Crop loan interest subvention rate? Upto which amount?
 Soiled notes incentive per packet?
 Safe custody relationship banker and customer?
 BCSBI is framed as per?
 Difference between mandate or POA
 Loan against shares and debentures in demat and physical form
 Half duplex
 CBS networking
 Stages of money laundering
 Cyber banking
 4p of marketing
 Front end processor
 Dumb computer
 Lic assignment
 Hypothecation
 Lien is implied pledge
 2 Q on NPA
 Death case of a partner in chq
 Match pair in bank customer relation
 Bank guarantee

4 Ps
Product
Price
Place
Promotion
4 Cs
Customer needs and wants
Cost to the customer
Convenience
Communication
7 Ps
Product
Price
Place
Promotion
People
Physical evidence
Process
.....................
Mutual funds
Open-ended funds: These funds buy and sell units on a continuous basis and, hence, allow
investors to enter and exit as per their convenience. The units can be purchased and sold even
after the initial offering (NFO) period (in case of new funds). The units are bought and sold at the
net asset value (NAV) declared by the fund.
Closed-ended funds: The unit capital of closed-ended funds is fixed and they sell a specific
number of units. Unlike in open-ended funds, investors cannot buy the units of a closed-ended fund
after its NFO period is over. This means that new investors cannot enter, nor can existing investors
exit till the term of the scheme ends. However, to provide a platform for investors to exit before the
term, the fund houses list their closed-ended schemes on a stock exchange.
.................................
Dumb Terminal
A display monitor that has no processing capabilities. A dumb terminal is simply an output device
that accepts data from the CPU.
.................................
Reverse Mortgage
A reverse mortgage is a loan available to homeowners, 62 years or older, that allows them to
convert part of the equity in their homes into cash.
The product was conceived as a means to help retirees with limited income use the accumulated
wealth in their homes to cover basic monthly living expenses and pay for health care. However,
there is no restriction how reverse mortgage proceeds can be used.
The loan is called a reverse mortgage because instead of making monthly payments to a lender, as
with a traditional mortgage, the lender makes payments to the borrower.
The borrower is not required to pay back the loan until the home is sold or otherwise vacated. As
long as the borrower lives in the home he or she is not required to make any monthly payments
towards the loan balance. The borrower must remain current on property taxes, homeowners
insurance and homeowners association dues (if applicable).
.................................
Gap Analysis
Gap 2 - Between Customer driven service designs and standards and Company perceptions of
Customer expectations
Gap 3 - Between Service Delivery and Customer driven service designs and standards
Gap 4 - Between Customer driven service designs and standards and External Communications to
Customer
Gap 5 - Between Expected Sevices and Perceived Delivery
.....................
PIO (Person of Indian Origin)
You are deemed to be a person of Indian origin, if you are a foreign citizen (other than of Pakistan
or Bangladesh), and if:
 You have at any time held an Indian passport. Or
You or either of your parents or any of your grandparents were citizens of India by virtue of the
Constitution of India, or the Citizenship Act, 1955
If you are the spouse of an Indian citizen or of a person of Indian origin (other than of Pakistan or
Bangladesh) you would also be considered to be a person of Indian origin for purposes such as
acquiring a PIO card.
.................................
Banker - Customer Relationship in different transactions
Transaction Bank Customer
Articles left by mistake Trustee Beneficiary
Assignment Assignee Assignee
Collection of cheque Agent Principal
Deposit in the bank Debtor Creditor
Loan from Bank Creditor Debtor
Hypothecation Hypothecatee Hypothecator
Locker Lessor Lessee
Money deposited but instructions not given for its disposal Trustee Beneficiary
Mortgage Mortgage Mortgage
Payee of draft Debtor Creditor
Safe custody Bailee Bailor
Sale / Purchaser of securities on behalf customer Agent Principal
Shares given for sale Agent Principal
Standing instruction Agent Principal

Maslow's Hierarchy of Needs

While considering the marketing of a product, whether a physical or a service product, we must
understand the customer's need as per Maslow's theory of hierarchy of needs and human
behaviour:
Physiological needs - food, drink, oxygen, sleep
Safety needs - avoidance/protection from threatening situation and economic security
Social needs - friendship, affection and sense of belonging
Esteem needs - self-respect, recognition, status and success
Self-actualisation - self-fulfilment
.................................
OFF-BALANCE SHEET ITEMS
Off-Balance Sheet Items are those items in the books of a bank, which are not mentioned in the
balance sheet of the bank. These items are not assets or liabilities to be reported in the balance
sheet as on the date of balance sheet, but may get converted into an asset or liability at a later
date, depending on the happening of a certain event. These items are contingent upon certain
breach of commitments and are also called contingent liabilities.
These contingent liabilities have to be disclosed as 'Notes to the Balance Sheet'. But once these
commitments crystallise, these also become part of the assets or liabilities of the bank and have to
be shown in the balance sheet. These items include:
(a) Direct credit substitutes, e.g. general guarantees of indebtedness (including standby LCs serving
as financial guarantees for loans and securities) and acceptances (including endorsements with the
character of acceptance).
(b) Certain transaction-related contingent items (e.g. performance bonds, bid bonds, warranties
and standby LCs related to particular transactions).
(c) Short-term self-liquidating trade-related contingencies (such as documentary credits
coUateralised by the underlying shipments).
(d) Sale and repurchase agreement and asset sales with recourse, where the credit risk remains
with the bank.
(e) Forward asset purchases, forward deposits and partly paid shares and securities, which
represent commitments with certain drawdown.
(f) Note issuance facilities and revolving underwriting facilities.
(g) Aggregate outstanding foreign exchange contracts.
(h) Take-out finance in the books of taking over institution (i) Unconditional take-out finance
(i) Conditional take-out finance (iii) Non-funded exposures to commercial real estate.
(i) Guarantees issued on behalf of stockbrokers and market makers.
(j) Commitment to provide liquidity facility for securitisation of standard asset transactions.
(k) Foreign exchange open position.
(l) Open position in gold.
.................................
PMSBY will offer a renewable one year accidental death cum disability cover of Rupees Two Lakh
(Rupees One Lakh for partial permanent disability) to all savings bank account holders in the age
group of 18 to 70 years for a premium of Rs. 12/- per annum per subscriber.
PMJJBY on the other hand will offer a renewable one year life cover of Rupees Two Lakh to all
savings bank account holders in the age group of 18 to 50 years, covering death due to any reason,
for a premium of Rs.330/- per annum per subscriber.
APY, the third scheme to be launched, will focus on the unorganised sector and provide subscribers
a fixed minimum pension of Rs. 1000, 2000, 3000, 4000 or Rs. 5000 per month starting at the age
of 60 years, depending on the contribution option exercised on entering at an age between 18 and
40 years. Thus, the period of contribution by any subscriber under APY would be 20 years or more.
The fixed minimum pension would be guaranteed by the Government. While the scheme is open to
back account bank account holders in the prescribed age group, the Central Government would also
co-contribute 50% of the total contribution or Rs. 1000 per annum, whichever is lower, for a period
of 5 years for those joining the scheme before 31st December, 2015 and are not members of any
statutory social security scheme and are not income tax payers.
PRADHAN MANTRI MUDRA YOJANA (PMMY)
Eligibility - Any Individual, Proprietor, Partner etc.
- Engaged in non-farm & allied to agriculture activities.
- For starting/extending business activities such as Manufacturing, Trading and Services & Activities
allied to Agriculture.
Loan Amount - Maximum upto Rs. 10.00 Lakh
3 category named as under:-
1. Shishu – Loans upto Rs. 50,000/-
2. Kishore– Loans above Rs. 50,000/- to Rs. 5.00 Lakh
3. Tarun – Loans Above Rs. 5.00 lakh to Rs. 10.00 Lakh
SSY - Sukanya Samriddhi Yojana Account
Eligibility :
Gender: Girl child only
Citizenship: Child should be Indian citizen. NRI, OCI and other cannot open a2ccount under this
scheme.
Age limit: On the date of opening the account, the child’s age should 10 years or younger.
Who can Invest: Parent, or Legal Guardian of the eligible Girl child.
Investment limit:
In 1 year, minimum Rs 1000/- needs to be invested., thereafter in multiples of 100/-
Maximum of Rs 1, 50,000/- can be invested.
Deposits can be made in lump-sum or spread out manner.
No limit on number of deposits either in a month or in a financial year.
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure
access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit,
Insurance, Pension in an affordable manner.
Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY
accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque
book, he/she will have to fulfill minimum balance criteria.
Directors of public company
Types of company
Doctrine of ultra vires
Punishment in money laundering
Sarfeasi act
Banking ombudsmen
Partnership
Min and max no. Of members in private company
Basel
Minor account
Lost DD which doc obtained?
Urban co op bank regultd by
Demutualisation
NSE charge
KYC
Prime minister atal pension yojana
How loan in KCC get NPA - Not paid after 2 crop session in short term. 1crop session in long term
crop session.
Cheque truncation
Payment bank
Robert lanterborns 4p & 4 cs
High attrition rate
MTC Basel III
Clayton's rule
.................................
Priority in retail and SME
Provisioning in prio sector
Types of mutual funds
Types of LC
Network topology
Marketing mix
Purpose of marketing and pricing
Provision for standard loan sanctioned under SME
Right to Set off
Appointment
Lien and charge
Jandhan
Minimum qualification for agri clinics
Is export credit part of priority sector

Is bill of landing negotiable instrument

What is the ombudsman within banks called
Power of attorney questions

% of share in RBI
Payment in due course
Smart card ISO
Killen and associates
Product life cycle
ANBC
Demutualisation of stock exchange
Disaster recovery plan
Factoring
Distance bitween BC and Branch
FPM MEANS
LANDMARK OF ELECTRONIC PAYMENT SYSTEM
SWIFT WHOLLY OWNED BY
TOKEN RING, TOKEN MEANS
Letter of credit
DECISION SUPPORT SYSTEM
NRLM ELIMINTE ......
Garnishee Order
NI act
.................................
Benefit of cheque truncation
Business facilitator functions
New limit for retail investors $250,000

Credit exposure limit for individuals and oil company

Self help group wants to open account what is the operating instruction
A person has no kyc will account be opened
Mobile banking for inward and outward remittance allowed or not
When can rbi cancel bank license
What percent of ANBC can be for weaker sections
Implied power of partner
Factoring domestic and international
Pay rohit only which type of endorsement is this?
Debt service coverage ratio meaning
E purse related to
Difference between financial inclusion & PMJDY
4p of marketing
Banking term described in which act
Payment in due course in which act
Product life cycle(strategy for growth stage and decline stage)
Financial inclusion meanings

Relational information systems

How bank use social media
Pos limit per day
Oldest net in india
Horizental merzer
Government shares in rbi
Priorty sector advances in micro enterprises
Simplex transmission
IT risk in company
Land mark in electronic fund transfer
Function of cibil
LAN connection
White Label ATM
Which is not a type of topology
Setoff of the customer who is having bad debt of some amt n having credit balance in his deposit
account at different branch
but your bank is not yet CBS operated what step need to taken
RBI can stop a branch on voilation of ?
Kisan credit card are issued to farmers for
Payment bank and small bank
About CERSAI
Open market operation
Basel 3 norms
.................................
Open ended scheme
Cash management service
PLC
Urban co operative bank controlled by
Liberalized remittance scheme
If a person submit a Chq and later gone abroad and after 4 years he come back and found the Chq
bounce due to f/I. Who is liable
An account gets inoperative coz a bill was not cleared in time and minimum balance charges were
taken. Was it right to charge minimum balance fine when acct is inoperative?
What is kite flying? - Kite flying means the practice of drawing cheques on deposits which are
already committed, assuming that the delay in clearing the cheque will allow time to replenish the
account. To be more specific, Facilities for purchase/discount of clean bills provide fertile ground for
parties to defraud banks when they are in financial difficulties. They draw bills not backed by trade
transactions which are eventually not honoured by the drawees. Very often, the drawees of such
bills are allied/associate concerns of the drawers. At times, two or more parties avail of bank
finance against such accommodation bills, drawn on each other. As long as all the bills continue to
be honoured the banks are misled about the credit worthiness of the parties. Further, when one bill
in a chain is dishonoured, the entire chain breaks down resulting in a loss to the bank/banks
concerned. Some parties utilize the cheque purchase facility for raising finance in a similarly
dubious manner by maintaining accounts with two or more banks for this purpose and taking
advantage of the facility allowed by the banks of drawing against uncleared cheques. Such
transactions are called kite flying in banking parlance.

Friends, I am updating the re-collected questions posted by our Anandrao Ji. Wish you all the very
best for your exam.
..................................................................................................
The no. of members in a SHG in SGSY in normal cases
Ans:-: 10-20
------------------------------------
Authorised capital is Rs.10 lac. Paid up capital Rs.6 lac. The loss of previous year is Rs.1 lac. Loss in
current year is Rs.2 lac. The tangible networth is
Ans:- Rs.3 lac
------------------------------------
Net working capital is Rs.80000. Current ratio is 3:1. The current assets are :
Ans:- 120000
------------------------------------
CDR in case of SME account (which is not correct)

a. SME financed by any bank for any amount

b.for corporate account, financing by one bank
c. for corporate account from many banks for amount above Rs.10 lac
d.None of the above
Ans:- C
------------------------------------
Right to retain goods is called

a.Assignment
b.right of set of
c. pledge
d. Lien
Ans:- Lien
------------------------------------
For obtaining loan against shares, the Charge on shares
Ans:- Lien
------------------------------------
A director of the bank wants to raise loan from your bank against

a. FDR of other bank

b. share of same bank
c. surrender value of Life Policy. Loan can be given against
d. all the above
Ans:-: Surrender value of Life Policy.
------------------------------------
Bill of lading, Railway Receipt are negotiable instruments under

a. NI Act
b. Sec 3 of Transfer of Property Act
c. Sec 137 of Transfer of Property Act
d. Sale of Goods act

Ans:- C
------------------------------------
Keeping goods in safe custody is as per provisions of

a. NI Act
b. Indian Partnership Act
c. Indian Contract Act
d. All the above

Ans:- C
------------------------------------
No dues certificate in case of agricultural advances is exempted up to a loan of:
Ans:- Rs.50000
------------------------------------
Liability of a coparcener in case of loan raised by HUF is :
Ans:- Restricted to his share in HUF property/assets
------------------------------------
In KYC guidelines, the small account where simple KYC is applicable are those account where the
amount deposited in the account is restricted to
a. Rs.50000
b. Rs.1 lac
c. Rs. 5 lac
d. all the above
Ans:- : Rs.1 lac
------------------------------------
In case of SMEs, the registration is mandatory in case of

(a) medium enterprises in servicing

(b) small manufacturing enterprises
(c) manufacturing medium enterprises

Ans:- C
------------------------------------
What is the maximum amount of loan for obtaining guarantee under CGTMSE of SIDBI :
Ans:-Rs.50 lac
------------------------------------
A company has been sanctioned cash credit-pledge limit. Internal auditor finds that charge has not
been registered with Registrar of Companies in time. In how much time it is to be done :
Ans:- In case of pledge, not required.
------------------------------------
Loan system of credit delivery is not applicable in case of :
Ans:-Software industry
------------------------------------
To sell an NPA, the account must remain in the books of seller bank :
Ans:-for 24 months as NPA
------------------------------------
One of these is an indirect rate

a. one $ = Rs. 39.56

b. one pound = Rs. 89.56,
c. one yen = Rs. 0..30
d. Rs.100 = $ 2.60 :
Ans:- D
------------------------------------
Which crossing is not recognized by NI Act

a. Special
b. payee’s account
c. not negotiable
d. all the above

Ans:-: B
------------------------------------
Which among the following can open an Resident Foreign Currency account

a. NRI
b. Resident
c. Erstwhile NRI now resident
d. none

Ans: C
------------------------------------
As per Official language policy for B region, branch target to reply in Hindi letter received in Hindi is
Ans :- 100%
------------------------------------
Provision for standard accounts in direct agriculture and SME accounts is to be made at
Ans :- 0.25%
------------------------------------
Risk weight for bill purchased under LC, for capital adequacy purposes is
Ans :- 20%
------------------------------------
What is the right of nominee in case of term deposit that has not matured
Ans :- To obtain premature payment and not raise loan against the security of such term deposit
------------------------------------
Preshipment credit is available in which type of letter of credit
Ans :- Red clause
------------------------------------
The quarterly financial results of companies and banks are to be declared / published under
directions provided by
Ans :- SEBI
------------------------------------
RBI injects liquidity through
Ans :- Repo
------------------------------------
Collateral security in case of PMRY advances is exempt up to
Ans :- Loan of Rs.5 lac in case of industry projects per borrowal account and Rs.2 lac for
business/servicing per borrower.
------------------------------------
What is full form of FRBM
Ans :- Fiscal Responsibility & Budget Management Act
------------------------------------
Relationship between bank and customer in case of goods left by mistake in custody of the bank
Ans :- Trustee & beneficiary
------------------------------------
Appeal against the award given by the Ombudsman can be made by the bank within _____ days of
date of ____
Ans:- 30 days, receipt of acceptance from the customer.
------------------------------------
The format of cheque is prescribed in which Act
Ans:- It is only a practice.
------------------------------------
If a fraud takes place in a bank branch. Report is sent to the controlling office on form
Ans:-: FMR 1
------------------------------------
The amount in a cheque is written differently in words and figures and amount written in words is
higher of the two :
Ans:- Amount written in words will be paid.
------------------------------------
While paying a bearer cheque, signatures are obtained on the back side of the cheque. Why ?
Ans:- As evidence of payment
------------------------------------
Bank note which is misprinted by RBI is replaced by issuing a ________ note
Ans:- Star series
------------------------------------
In CDR category-1, what type of loan accounts are eligible
Ans:- Standard & sub-standard.
------------------------------------
Sales / debtor ratio is called _____ ratio. It indicates ____ :
Ans:-Debtor-turnover, efficiency of collection of debtors.
------------------------------------
Current ratio indicates
Ans:- Capacity of a firm to meet its current liabilities.
------------------------------------
Conversion means
Ans:-: unauthorized intervention in the property of another person
------------------------------------
Priority sector target for foreign banks:
Ans:-32% of ANBC
------------------------------------
NSC pledged with post office with nomination in favour of XYZ. Bank’s claim against these NSCs :
Ans:- Will have priority
------------------------------------
Legal status of nominee is that of a :
Ans:-Trustee for legal heirs
------------------------------------
Two Month, a minor admitted for benefits in a firm wants to withdraw from the firm on attaining
majority. How much time is available to him to do so :
Ans:-6 months from date of majority or 6 months from date of information to him that he was
admitted for benefits, whichever is later.
------------------------------------
Loan to minor can be given in the following case
a. against DBD
b. against LIC policy
c. in the name of minor
d. in the name of father
Ans:- in the name of father
------------------------------------
Who cannot be a partners
a. HUF
b. illiterate
c. Blind person
d. company
Ans:-: HUF
------------------------------------
Money to be deposited by A in the account of B. A has informed that B has become insane :
Ans:- can be deposited with consent of the family members (i.e. guardian)
------------------------------------
Mortgagee enjoys the income of the mortgaged property in case of which mortgage :
Ans:-Usufructuary
------------------------------------
Hypothecation becomes pledge :
Ans:-when goods are given for possession to the bank, by the borrower.
------------------------------------
Which scheme has been abolished with introduction of senior citizen deposit scheme :
Ans:- Varishat Bima Pension Yojna
------------------------------------