Professional Documents
Culture Documents
PREPARED BY
TEAM SBLC, MASULIPATNAM
Dear colleagues,
THE WINGS-2017
A STUDY MATERIAL FOR ALL PROMOTION EXAMINATIONS
We are very happy to bring forth THE WINGS-2017, a compilation of study material
which could be of use for promotion examinations in the coming months.
2. Over the last couple of years, THE WINGS & SADHANA SERIES have become very
popular among all the career oriented employees/officials of our Bank. The Wings-2016
& Sadhana Series -2015 evoked tremendous response from the various users. The
happiest and relishing thing is that the appreciations have poured in not only from
various parts of the country but also from some of the colleagues working abroad. With
lots and lots of new users being added, there is a great demand for the release of THE
WINGS-2017.
3. A word of caution to the users of the book. While we have taken every care and
precaution in compiling the material error-free, a few mistakes might have crept in
inadvertently. Neither the Bank nor the SBLC owns up any responsibility for
controversies, if any, arising out of this compilation.
4. All the faculty members presently working at the SBLC have contributed to this effort.
The Team SBLC, Masulipatnam wishes all the users the best of luck in their endeavours
to gain more knowledge and elevation in service.
Shri. P. Adityudu
5. Manager (Trg.) 7330778818 adityudu.p
Shri. B. Chalamaji
6. Manager (Trg) 7330778808 chalamaji_b
Ms. Y. Radhika
10. Assistant 9966615313 y.radhik
AGM : 08672-250078
Office : 08672-251548
Fax : 08672-251564
IP : 903191
EMAIL : stc.mptm@sbi.co.in
SBLC MASULIPATNAM THE WINGS 2017
Sitting L to R: Shri. A S R K K Sarma, Mgr (Trng), Shri. R. Krishna Murthy, AGM, Ms. Arun Jyothi, Chief Mgr (Trng)
Standing L to R: Shri. B. Chalamaj, Mgr (Trng), Shri. K S. Prakash Rao, Mgr (Trng),Shri. P. Adityudu, Mgr (Trng), Shri K. Giridhar Reddy, Mgr (Trng)
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HOME LOANS
01. What is the minimum age to avail Home Loan SBI Home Loan Scheme?
a. 18 years b. 21 years
c. 35 years d. 40 years
02. What is the maximum age limit under SBI Home Loan Scheme?
a. 60 years b. 65 years
c. 70 years d. 75 years
03. How many co borrowers can be allowed under SBI Home Loan scheme?
a. 2 b. 3
c. 4 d. 5
04. Who can join as Co borrowers under SBI Home Loan Scheme?
a. Parents b. Spouse
c. Children d. Siblings e. All the above
05. What is maximum period for repayment of SBI Home Loan Scheme?
a. 30 years b. 30 years or 70 years whichever
is earlier
c. 35 years d. None of the above
06. What is CRE Home Loan?
a. Loan Sanctioned for b. 3rd Home Loan for purchase of
acquiring 3rd house/Plot House/Flat/Plot
c. Both a & b d. None of the above
07. How much of expected rental income can be considered for computing
maximum loan under SBI Home Loan Scheme?
a. Equivalent to NMI/NAI b. Half of the NMI/NAI
c. Not to be considered d. None of the above
08. What is the Loan to Value (LTV) ratio for Home Loan amount up to Rs.30.00
Lakhs?
a. 75% b. 80%
c. 85% d. 90%
09. What is the Loan to Value (LTV) ratio for Home Loan amount above Rs.30.00
Lakhs and upto Rs.75 Lakhs?
a. 75% b. 80%
c. 85% d. 90%
10. What is the Loan to Value (LTV) ratio for Home Loan amount above Rs.75.00
Lakhs?
a. 75% b. 80%
c. 85% d. 90%
11. Stamp Duty, Registration Charges and Documentation Charges can be
considered for calculation LTV Ratio up to Home Loan amount of Rs._____?
a. Rs. 5.00 Lakhs b. Rs.10.00 Lakhs
c. Rs.15.00 Lakhs d. Rs.20.00 Lakhs
12. What is the Maximum amount sanctioned under SBI Home Loan Scheme?
a. Permissible EMI/NMI ratio b. Maximum permissible LTV
ratio
c. Applied Loan amount d. Lower of a,b,c
e.
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24. What is the maximum moratorium period allowed in home loans above 7 floors
but to up 14 floors?
a. 18 months b. 24 months
c. 36 months d. 48 months
25. What is the maximum moratorium period allowed in home loans above 14
floors but to up to 21 floors?
a. 18 months b. 24 months
c. 30 months d. 36 months
26. What is the maximum moratorium period allowed in home loans above
21 floors?
a. 18 months b. 24 months
c. 36 months d. 48 months
27. Which of the following is true with regard to CRE Home Loans?
a. Maximum loan tenor will be b. Exposure for the third house
25 years. onwards will be classified as a
CRE Home Loan
c. Both are correct d. Both are in correct
28. Pre-closure penalty is levied if the home loan account is pre-closed within how
many years?
a. 2 years b. 3 years
c. 5 years d. No penalty for pre closure
29. Housing loan up to _____amount is classified under priority sector advances
in Metro centres with population above 10 lakhs
a. Rs.15 Lakhs b. Rs.20 Lakhs
c. Rs.25 Lakhs d. Rs.28 Lakhs
30. Housing loan up to _____amount is classified under priority sector advances
in other centres
a. Rs.15 Lakhs b. Rs.20 Lakhs
c. Rs.25 Lakhs d. Rs.28 Lakhs
31. Recovery of interest during the moratorium period may be deferred at the
request of the borrower only if moratorium period does not exceed ____
months
a. 18 months b. 24 months
c. 36 months d. 48 months
32. No penal interest is chargeable for a Housing loan up to Rs _______
a. Rs.25000/- b. Rs.50000/-
c. Rs.100000/- d. No penal interest charged
33. What is the Penal interest charged for Home Loan irregularity exceeds EMI or
installment exceeds one month ?
a. 1.00% b. 1.50%
c. 2.00% d. 2.50%
34. What is the Risk weight on a housing loan of Rs 30 lacs where LTV ratio is
75%
a. 35% b. 50%
c. 75% d. 100%
35. How much Provisioning to be made for Home Loans categorized under
standard assets?
a. 0.40% b. 0.50%
c. 0.75% d. 1.00%
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certify on the photo copies of KYC papers at the time of execution of loan
documents?
a. Processing Official b. Documentation official
c. Controlling Official d. Any of the above officials
71 What is the name of Product in Home Loans that facilitates the borrower to
avail Home Loan in the form of Overdraft facility (reduced balancing method)?
a. SBI More gain b. SBI Maxgain
c. SBI Home gain d. SBI Flexi Home pay
72. What is the minimum balance to be maintained in SB/CA to avail SBI Maxgain
Loan? It is not applicable to customers whose salaries are regularly credited to
the account and repayments are made from the account.
a. Rs.2000/- b. Rs.3000/-
c. Rs.5000/- d. Rs.10000/-
73. What is the minimum loan under SBI Maxgain scheme?
a. Rs.5.00 Lakhs b. Rs.10.00 Lakhs
c. Rs.20.00 Lakhs d. Rs.25.00 Lakhs
74. What is the Maximum loan under SBI Maxgain scheme?
a. Rs.50.00 Lakhs b. Rs.75.00 Lakhs
c. Rs.2.00 Crores d. No upper limit
75. What are the facilities offered to the SBI Maxgain Home Loan customers after
full disbursement?
a. ATM b. ATM & INB
c. Cheque Book d. INB & Cheque book
76. Does any option available to the existing home loan borrower to convert their
existing home loans to SBI Maxgain account?
a. No b. Yes
c. Yes, but the outstanding d. None of the above
should be above Rs.20.00
lacs & A/c should be
standard
77. What is the Conversion fee for conversion of Home Loan (Term Loan) to
Maxgain facility?
a. Rs.1000/- + ST b. Rs.2000/- + ST
c. Rs.2500/- + ST d. Rs.5000/- + ST
78. Obtention of Revival Letters and Balance Confirmation Letters may
be dispensed with in case of.which are being serviced regularly
and are classified as Standard Assets.
a. Term Loan A/c in the P b. Maxgain Home Loans
Segment
c. Both a & b d. None of the above.
79. SBI home equity scheme renamed as
a. SBI Home Plus b. SBI Home Top-up
c. SBI Home Saral d. SBI Home pay
80. Name the personal loan offered to the existing Home Loan borrowers against
the security of housing unit already mortgaged?
a. SBI Home equity b. SBI Home pay
c. SBI Home Top-up d. SBI LAP
81. What is the minimum Net Annual Income to avail Home Top-up Loan?
a. Rs.2.00 Lakhs b. Rs.3.00 Lakhs
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a. 10 years b. 15 years
c. 20 years d. 25 years
131 The tenor of the loan under Reverse Mortgage Loan Scheme when the age of
the younger of the borrowers is above 68 years of age is _____ Years or till be
death of the borrower (s), whichever is earlier.
a. 10 years b. 15 years
c. 20 years d. 25 years
132 Quantum of loan under Reverse Mortgage Loan Scheme is inclusive of
a. Interest for one year b. Processing charges
c. Interest till maturity of the d. None of the above
loan
133 Pre-payment penalty of the loan during the tenure of the loan under Reverse
Mortgage Loan Scheme is.
a. 0.50% of pre paid amount b. 1.00% of pre paid amount
c. 2.00% of pre paid amount d. No pre payment penalty
134 Reverse Mortgage Loan Scheme can be sanctioned by the following branches
a. RUSU Branches b. Metro/Urban Branches
c. All PBB Branches d. All branches
135 Maintenance of the properties charged for availing Reverse Mortgage Loan
Scheme lies with
a. Bank b. Borrower
c. Sharing by Bank & Customer d. Sharing by Bank & Customer 25-
50-50 75
136 Ownership of the property mortgaged for availing Reverse Mortgage Loan
Scheme is with
a. Borrower b. Bank
c. Both (a) & (b) d. None of the above
137 In case of the death of the borrower under Reverse Mortgage Loan Scheme
the legal heirs will be allowed to repay the loan within a period of
a. 3 months b. 9 months
c. 6 months d. None of the above
138 Reverse Mortgage Loan is sanctioned only if the surviving spouses are ___.
a. 2 b. 1
c. Either a or b d. None of the above.
139 Under Reverse Mortgage Loan Scheme the title holder has to make a will
superseding earlier will if any in favour of _______
a. Bank b. Spouse
c. No Need of any will d. None of the above.
140 Under Reverse Mortgage Loan, reasonable amount of time
may be provided to the legal heirs for selling the house and settlement
of the outstanding from the date the outstanding amount falls due for
repayment before initiating recovery measures.
a. up to the 3 months b. up to the 6 months
c. up to the 9 months d. up to the 12 months
141 If the outstanding of Reverse Mortgage Loan is not liquidated, then it will be
classified as a Sub-standard Asset on the....... day after the due date.
a. 90th day b. 120th day
th
c. 180 day d. 365th day
142 What are the facilities offered under SBI Reverse Mortgage Loan to Non-
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Renewable Overdraft?
a. ATM b. Cheque Book
c. Internet Banking d. No facility offered
143 Bank has introduced a new product to the Prospective Home Loan borrower to
negotiate confidently with the builder/seller or to finalize the property to be
purchased is called..
a. SBI Home Loan PAL b. SBI Home Loan HAL
c. SBI Home Loan Base d. SBI Home Loan CAL
144 SBI PAL (Pre Approved Limit) is available at
a. All Branches b. PBB branches
c. Metro/Urban Branches d. RACPCs
145 The minimum Limit Sanctioned under SBI PAL (Pre Approved Limit).
a. Rs.10.00 Lakhs b. Rs.15.00 Lakhs
c. Rs.20.00 Lakhs d. Rs.25.00 Lakhs
146 The Validity period of SBI PAL (Pre Approved Limit) is .
a. 1 month b. 2 months
c. 3 months d. 4 months
147 Name the product offered to the Home Loan borrowers for funding 100% SBI
Life premium is .
a. SBI Home Suraksha b. SBI Suraksha
c. SBI Home Life d. None of the above
148 Home Loan product offered to Salaries employees having age of 21 years and
above but below 45 years is called .
a. SBI Yuva Loan b. SBI Flexipay Home Loan
c. SBI Easy Loan d. SBI Young Home Loan
149 Minimum Loan amount under SBI Flexipay Home Loan.
a. Rs.10.00 Lakhs b. Rs.15.00 Lakhs
c. Rs.20.00 Lakhs d. None of the above
150 What is the minimum and maximum tenor of SBI Flexipay Home Loan?
a. 10 years & 30 years b. 15 years & 30 years
c. 20 years & 30 years d. 25 years & 30 years
151 The salaried applicants under SBI Felxipay Home Loan should have minimum
experience of
a. 2 years b. 3 years
c. 5 years d. No such condition
152 Facility of Loan available under SBI Felxipay Home Loan is
a. Term Loan b. Overdraft
c. Demand Loan d. Either (a) or (b)
153 Maximum start up /moratorium period allowed under SBI Felxipay Home Loan
a. 36 months for ready to move b. 36 months + construction period
in properties for under construction properties
subject to maximum period of 60
months
c. 18 months d. Either (a) or (b)
154 Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has launched
Credit Linked Subsidy Scheme (CLSS) for urban area beneficiaries in
EWS/LIG category to acquire/construct a house or repair/extension of
Kucha/Semi Pucca house is called.
a. Pradhan Mantri Niwas b. Pradhan Mantri Gruh Yojana
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Yojana
c. Pradhan Mantri Awas Yojana d. Pradhan Mantri Home Yojana
155 Interest Subsidy available under Pradhan Mantri Awas Yojana (PMAY)..
a. 5.00% b. 6.00%
c. 6.50% d. 10.00%
156 Credit linked Interest subsidy available under Pradhan Mantri Awas Yojana
(PMAY) for a tenor of .
a. 10 years or actual tenor of b. 15 years or actual tenor of loan
loan whichever is lower whichever is lower
c. 20 years or actual tenor of d. 25 years or actual tenor of loan
loan whichever is lower whichever is lower
157 The credit linked subsidy available for loan amount up to Rs.
a. Rs.5.00 Lakhs b. Rs.10.00 Lakhs
c. Rs.6.00 Lakhs d. Rs.15.00 Lakhs
158 The income criteria of EWS/LIG beneficiaries under Pradhan Mantri Awas
Yojana (PMAY) is.
a. EWS households with annual b. LIC household with annual
income up to Rs.3.00 Lakhs income above Rs.3.00 Lakhs
and up to Rs.6.00 Lakhs
c. Both (a) & (b) are correct d. None of the above
159 The new Home Loan product launched for financing companies (Where the
borrower is a company) for acquiring residential units is called
a. SBI Commercial Home Loan b. SBI Corporate Home Loan
c. SBI Business Home Loan d. SBI Companys Home Loan
160 Under which segment SBI Corporate Home Loans covered?
a. SME segment b. C&I segment
c. PER segment d. Bother (a) & (b)
161 Minimum Loan under SBI Corporate Home Loans is..
a. Rs.50.00 Lakhs b. Rs.1.00 Cr
c. Rs.2.00 Crs d. No minimum stipulation
162 Maximum LTV under SBI Corporate Home Loans is .
a. 75% b. 80%
c. 85% d. 90%
163 Maximum Loan tenor under SBI Corporate Home Loans is
a. 10 years including b. 15 years including moratorium
moratorium
c. 20 years including d. 25 years including moratorium
moratorium
164 Bank has introduced Two new Home Loan Products to tap the potential after
implementation of Seventh Pay Commission. The two new products are.
a. SBI Privilege & SBI Maurya b. SBI Privilege & SBI Shaurya
c. SBI Quick & SBI Shaurya d. SBI Maurya & SBI Shaurya
165 SBI Privilege Home Loan offered to.
a. Employees of Central/State b. Employees of Central
Governments (including Governments (including PSBs,
PSBs, PSUs of Central Govt PSUs of Central Govt and other
and other individuals with individuals.
pensionable service.
c. Employees of Central/State d. Employees of Central/State
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CIF
c. Satisfactory track record of 3 d. No instance of HL ac slipping to
years or more & should not RG-3 or further in the past &
have any Home Top Up CIBIL score of 700 or higher
e. All are correct
177 Minimum and Maximum Loan amount under SBI Insta Home Top Up is
a. 5% of Home Loan Limit, Min b. 10% of Home Loan Limit, Min
Rs.1.00 Lakh & Max. Rs.5.00 Rs.1.00 Lakh & Max. Rs.5.00
Lakhs Lakhs
c. 5% of Home Loan Limit, Min d. 10% of Home Loan Limit, Min
Rs.3.00 Lakh & Max. Rs.3.00 Lakh & Max. Rs.5.00
Rs.10.00 Lakhs Lakhs
178 The Loan facility available under SBI Insta Home Top Up is
a. Term Loan b. Overdraft (Reducing Drawing
Power)
c. Demand Loan d. Any of the above
179 What is the minimum Loan to Non salaried customers (Professionals/Self-
Employed/Businessmen)?
a. Rs.50,000/- b. Rs.1,00,000/-
c. Rs.3,00,000/- d. No minimum loan
180 What is the maximum Loan to Non salaried customers?
a. Rs.5.00 Crs b. Rs.20.00 Crs
c. Rs.25.00 Crs d. Rs.50.00 Crs
181 What are the authorized branches to sanction Home Loans to Non salaried
customers?
a. All Branches b. RACPCs/RASMECCs at BPR
Centres
c. LPCs at Non BPR Centres d. Both (b) & (c) are correct
182 What is the minimum Risk Grade to be obtained on a scale of 1 to 10 by Non
salaried customers to avail Home Loan?
a. Risk Grade 5 b. Risk Grade 6
c. Risk Grade 4 d. No such stipulation
183 Minimum net monthly income under SBI Flexi pay Home Loan is..
a. Rs.25000/- b. Rs.50000/-
c. Rs.75000/- d. No minimum stipulation
184 Maximum loan that can be sanctioned for repairs/renovation under NRI
Housing loan is
a. Rs.10.00 Lakhs b. Rs.5.00 Lakhs
c. Rs.15.00 Lakhs d. Not eligible for repairs/renovation
185 Who are eligible housing loans under CRGFTLIH (Credit Risk Guarantee Fund
Trust for Low Income Housing) Scheme in urban area?
a. Home Loans upto Rs. 5.00 b. Applicant is either EWS or LIG
lacs
c. The carpet area of the d. All the above
House/Flat upto 430 sqft
186 Processing fee under SBI Green Home Loan Scheme is
a. 0.25% of Loan amount b. 0.35% of Loan amount
c. 0.50% of Loan amount d. No Processing Charges
187 What is Interest Rate concession offered to the Home Loans availed by
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Women borrowers?
a. 100 bps b. 50 bps
c. 25 bps d. No Concession
188 What is the Income Tax benefit under section 80 (c) available to the Home
Loan borrowers for repayment towards principal?
a. Rs.1.00 Lakh b. Rs.1.50 Lakhs
c. Rs.2.00 Lakhs d. No such benefit
189 Can the Applicant / Co-applicants be NRI in SBI Shaurya & SBI Privilege
Home Loans?
a. No, Only Resident Indians b. Yes, Resident Indians along with
are eligible for coverage NRIs are eligible for coverage
under the schemes under the schemes
c. Both are correct d. No such condition
190 Bank has launched a New Home Loan product to meet shortfall in funds for
purchase a new home/flat is.
a. SBI Bridge Home Loan b. SBI Help Home Loan
c. SBI GAP Home Loan d. SBI Hope Home Loan
1 A 2 C 3 B 4 E 5 A 6 A 7 A 8 D 9 B 10 A
11 B 12 D 13 B 14 B 15 C 16 C 17 B 18 C 19 B 20 D
21 A 22 C 23 A 24 B 25 C 26 C 27 C 28 D 29 C 30 A
31 A 32 A 33 C 34 A 35 A 36 D 37 C 38 D 39 A 40 E
41 D 42 C 43 C 44 A 45 A 46 A 47 C 48 A 49 B 50 C
51 A 52 A 53 A 54 B 55 B 56 B 57 D 58 B 59 C 60 D
61 B 62 A 63 B 64 B 65 C 66 D 67 A 68 D 69 C 70 B
71 B 72 C 73 C 74 D 75 D 76 C 77 B 78 C 79 B 80 C
81 B 82 C 83 D 84 D 85 C 86 B 87 C 88 C 89 D 90 B
91 C 92 D 93 D 94 B 95 C 96 A 97 B 98 A 99 B 100 D
101 B 102 B 103 C 104 A 105 B 106 C 107 B 108 A 109 B 110
111 B 112 C 113 D 114 B 115 B 116 A 117 C 118 D 119 C 120 C
121 D 122 B 123 B 124 C 125 A 126 C 127 D 128 D 129 C 130 B
131 A 132 C 133 D 134 D 135 B 136 A 137 C 138 B 139 B 140 B
141 A 142 D 143 A 144 D 145 A 146 C 147 B 148 B 149 C 150 D
151 A 152 A 153 D 154 C 155 C 156 B 157 C 158 C 159 B 160 D
161 B 162 A 163 B 164 B 165 A 166 D 167 D 168 B 169 A 170 D
171 B 172 C 173 C 174 A 175 B 176 E 177 A 178 B 179 A 180 D
181 D 182 B 183 D 184 A 185 D 186 D 187 B 188 B 189 A 190 A
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CAR LOAN
11. The maximum amount that can be granted to a salaried person is restricted to ----
------------ times of Net Monthly Income under car loan
a) 24 b) 30
c) 36 d) 48
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12. The maximum car loan amount that can be granted to Self Employed,
Professionals and businessmen etc, is restricted to ---------------- times of Net
Annual Income/Net Profit/Gross Taxable Income
a) 2 b) 2.50
c) 3 d) 4
13. For a car loan applicant having a Net Annual Income up to Rs.5 lacs, the
EMI/NMI ratio should not exceed_______
a) 50% b) 60%
c) 70% d) 75%
14. For a car loan applicant having a Net Annual Income above Rs.5 lacs and up to
Rs.10 lacs, the EMI/NMI ratio should not exceed_______
a) 55% b) 50%
c) 70% d) 75%
15. For a car loan applicant having a Net Annual Income above Rs.10 lacs, the
EMI/NMI ratio should not exceed_______
a) 50% b) 75%
c) 60% d) 60%
16. The margin for a car loan on On road Price of the vehicle would be _____
a) 5% b) 10%
c) 15% d) 25%
17. Penal interest for car loan upto Rs.25000 is charged at.
a) Nil b) 1%
c) 0.50% d) 2%
18. What is maximum repayment period allowed for a car loan?
a) 3 years b) 5 years
c) 7 years d) 10 years
19. Interest Rate in Car Loans is linked to the Score obtained in CICs (Credit
Information Companies) for Car Loan amount of Rs.
a) Rs.3.00 Lakhs and above b) Rs.4.00 Lakhs and above
c) Rs.5.00 Lakhs and above d) Rs.10.00 Lakhs and above
20. In respect of a car loan, if the irregularity exceeds EMI, for a period of------------,
then the penal interest would be charged @2% p.a. (over and above the
applicable interest rate) on the------------------- for the period of default.
a) One month/ overdue amount b) 3 months/ overdue amount
c) 3 months/ outstanding amount d) One month/ outstanding amount
21. The processing fee for a car loan is 0.50%+ST of the loan amount subject to a
minimum and maximum of ________
a) Rs.500+ST & Rs.5000+ST b) Rs.950+ST & Rs.9100+ST
c) Rs.1000+ST & Rs.5000+ST d) Rs.5000+ST & Rs.10000+ST
22. If a car application is rejected after pre-sanction survey ------- % of the Processing
Fee will be retained.
a) 25% b) 50%
c) 60% d) 75%
23. For car loan applicants other than agriculturists, I T Return/ Form 16 for the last
_______ years should be obtained.
a) One year b) 2 years
c) 3 years d) 5 years
24. Takeover of car loans will be considered selectively subject to which of the
following conditions?
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a) The vehicle is not more than 2 b) The account of the borrower with the
years old, It is a single other bank is a Standard Asset
ownership vehicle & no
insurance claim has been
availed
c) The loan should be repaid d) All the above
within 7 years from the date of
the original purchase of the
vehicle
25. Under Car Loan reimbursement will be made for the cars purchased out of own
funds, but not more than. old.
a) 3 months b) 6 months
c) 12 months d) 24 months
26. LTV for a borrower with Net Annual Income of Rs.10 lacs is
a) 85% of on Road Price b) 75% of on Road Price
c) 85% of Ex Showroom Price d) 75% of Ex Showroom Price
27. What is the pre-payment penalty for car loan?
a) 1% of outstanding b) 2% of outstanding
c) 5% of outstanding d) No penalty
28. For car dealer and sales executives, the incentive would be paid at _____ rate for
the loan applications sourced by them. (overall outer limit)
a) 2.30% of the loan amount b) 2.50% of the loan amount
c) 2.25% of the loan amount d) 2.00% of the loan amount
29. Who of the following can be appointed as Auto Loan Counselors?
a) Retired Officers of the Bank b) SBI Customers and others with
certain qualifications
c) Car Dealers d) A & b above
30. Auto Loan Counselors will be paid an incentive of _______ of the car loan
amount for the proposal sourced and sanctioned.
a) 0.10% b) 0.20%
c) 1.00% d) 2.00%
31. What is the maximum loan amount for new car loans?
a) Rs.15 lakhs b) Rs.25 lakhs
c) Rs.50 lakhs d) No ceiling
32. What is the maximum loan amount for used car loans?
a) Rs.5 lakhs b) Rs.10 lakhs
c) Rs.15 lakhs d) Rs.20 lakhs
33. What is the minimum NAI for pensioners to apply for a car loan?
a) Rs.75000/- b) Rs.250000/-
c) Rs.150000/- d) Rs.175000/-
34. What is the repayment cycle in car loans?
a) 10th of the following month for b) 20th of the following month for loans
th
loans disbursed up to 15 of the disbursed up to 16th of the month on
month on which the loan which the loan sanctioned
sanctioned
c) (a) and (b) are correct d) Coincide with the date on which
borrowers major income flow
happens.
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47. Under SBI Combo Loan scheme, the following loans can be sanctioned at a time.
a) Car and Tractor b) 2 Cars
c) Car and 3 wheeler d) Car and Two wheeler
48. Insurance of the car should be done in the name of borrower?
a) Comprehensive insurance for b) At least 10% above loan amount
market value
c) Higher of a or b d) None of these
49. The income of the following can be clubbed with that of the applicant for a car
loan?
a) Spouse b) Father, Mother
c) Brother, sister d) Any of the above
50. How many applicants can be considered in the car loan?
a) Only 1 b) Maximum 2
c) Maximum 3 d) Maximum 4
51. What is the maximum cost of accessories to be financed?
a) 5% of the cost of vehicle b) Rs.50000/-
c) Lower of a or b d) Only a
52. What is the minimum processing charge for car loan? (----+ST)
a) 500/- b) 950/-
c) 2000/- d) 2500/-
53. What is the maximum processing charge for car loan? (----+ST)
a) 5000/- b) 9100/-
c) 15000/- d) 20000/-
54. What is the rate of processing charges for a car loan?
a) 1.00% b) 0.75%
c) 0.50% d) 0.25%
55. In the case of short-term promotional drives, the G. M. Of Network can reduce the
processing fee of car loans up to?
a) 25% b) 50%
c) 75% d) 100%
56. What is the name of the website developed by the Ministry of Road Transport &
Highways (MoRTH)?
a) Vahan.nic.in b) Vehicle.nic.in
c) Morth.nic.in d) None of the above
57. As per recent instructions, the loan tenor of a car loan can be extended up to
_______ years if interest rates on the existing loans go up and the EMIs are left
unchanged.
a) 8 years b) 9 years
c) 10 years d) 12 years
58. Who will be the borrower in case of NRI Car loan scheme?
a) Resident Indian b) NRI
c) Resident Indian & NRI d) Only NRI
59. Who will be guarantor in case of NRI Car loan scheme?
a) Resident Indian b) NRI
c) Both (a) & (b) d) NRI & employer
60. What is the percent of margin under NRI CAR loan scheme?
a) 5% b) 10%
c) 15% d) 20%
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61. The sanctioning authority of NRI car loan will have discretion to reduce margin by
_____% where check off from a reputed employer is available
a) 5% b) 10%
c) 20% d) 30%
62. What is the minimum NMI/NAI of the guarantor under NRI car loan scheme?
a) $ 500 NMI or $ 10000 NAI b) $ 1000 NMI or $ 12000 NAI
c) $ 1200 NMI or $15000 NAI d) $1500 NMI or 18000 NAI
63. How the eligible Loan amount is calculated under NRI car loan?
a) 6 times NMI or 0.5 times NAI b) 12 times NMI OR 1 time NAI
c) 18 times NMI or 1.5 times NAI d) 24 times NMI or 2 times NAI
64. What is the minimum loan amount under car loan overdraft facility
a) 3.00 lacs b) 5.00 lacs
c) 10.00 lacs d) 7.00 lacs
65. EMI of the Car Loan may be reduced once during its tenure, if the account is a
Standard Asset and the loan outstanding is at least....and
the interest rate reduction is of 1% or more.
a) Rs. 2.00 Lacs b) Rs. 3.00 Lacs
c) Rs. 4.00 Lacs d) Rs. 5.00 Lacs
66. What is NAI under High value Super Bike Loan scheme for salaried / agriculturist
/ Self-employed, Professionals, Proprietary/Partnership firms and Businessmen
a) 4 lacs b) 3 lacs
c) 6 lacs d) 5 lacs
67. The cut-off score for clear sanction under revised car loan scoring model
is...
a) 66 and above b) 76 and above
c) 85 and above d) 86 and above
68. Eligibility criteria to avail car loan by Ex-servicemen Clerical Staff are minimum 5
years service including that in Armed forces, but subject to completion of
.confirmed service in the Bank.
a) 6 months b) 1 year
c) 2 years d) 3 years
69. As per revised Car Loan Scoring Model, a loan application may be declined if its
score is ..& below
a) 65 b) 75
c) 85 d) None of the above
70. What is the minimum loan amount under High Value Super Bike Loan scheme?
a) Rs.2.00 Lakhs b) Rs.3.00 Lakhs
c) Rs.4.00 Lakhs d) Rs.5.00 Lakhs
71. The car loan product offered to our existing home loan borrowers is
a) Loyalty Car Loan b) Freedom Car Loan
c) Luxury Car Loan d) Home Car
72. Loan amount under Loyalty car Loan
a) 100% of ex showroom price b) 100% of on road price
c) 85% of ex showroom price d) 85% of on road price
73. Extension of EM not required for loans upto Rs._____ under Loyalty Car Loan
Scheme
a) 10 lacs b) 3 lacs
c) 5 lacs d) 7 lacs
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76 What the maximum cost allowed towards accessories under Used Car Loan
Scheme?
a) 5% of the cost of vehicle or b) 5% of the cost of vehicle or
Rs.10000/- Rs.25000/-
c) 10% of the cost of vehicle or d) Not allowed under the scheme.
Rs.10000/-
77 The Minimum NMI/NAI under Two Wheeler Loan Scheme is.
a) Rs.6,250/- & Rs.75000/- b) Rs.10,000/- & Rs.1,20,000/-
c) Rs.12,500/- & Rs.1,50,000/- d) Rs.15,000/- & Rs.1,80,000/-
78 The Minimum and Maximum Loan Amount under Two Wheeler Loan Scheme
a) Min Rs. 10,000/-, Max : <Rs b) Min Rs. 25,000/-, Max : <Rs 3.00 lacs
3.00 lacs
c) Min Rs. 50,000/-, Max : <Rs d) Min Rs. 30,000/-, Max : <Rs 3.00 lacs
3.00 lacs
79 The Margin Stipulated under Two Wheeler Loan Scheme is.
a) 15% b) 20%
c) 25% d) No Margin required
80 Maximum repayment period under Two Wheeler Loan Scheme is.
a) 24 months b) 36 months
c) 48 months d) 60 months
81 Processing fee under Two Wheeler Loan Scheme is.
a) 0.50% + ST b) 1.00% + ST
c) 1.50% + ST d) No Processing fee for two wheelers
82 Maximum Dealer commission payable under Two Wheeler Scheme..
a) 2.50% of the loan amount b) Maximum restricted to Rs.2500/-
(inclusive of Service Tax)
c) Either (a) or (b) d) No such payment
83 What is the security need to be provided by the borrower under NRI Car Loan.
a) 20% of the Loan amount b) 35% of the Loan amount
c) Waived d) 25% of the Loan amount
84 Post disbursement inspection of vehicle must be carried out within .. from the
date of disbursement in respect of auto loans.
a) 15 days b) 30 days
c) 60 days d) 90 days
85 It was permitted in respect of car loans below Rs., to have on record,
insurance policy obtained for the 1year at the time of purchase and do away with
the practice of collecting copies of policies for subsequent renewals, if the
account remains Standard
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1 d 2 d 3 c 4 C 5 c 6 d 7 d 8 d 9 d 10 d
11 d 12 d 13 a 14 B 15 d 16 c 17 a 18 c 19 b 20 a
21 b 22 a 23 b 24 d 25 a 26 a 27 d 28 a 29 d 30 b
31 d 32 c 33 b 34 d 35 d 36 c 37 c 38 d 39 d 40 d
41 a 42 d 43 c 44 b 45 c 46 b 47 d 48 c 49 d 50 b
51 c 52 b 53 b 54 c 55 b 56 a 57 a 58 b 59 a 60 c
61 a 62 b 63 c 64 a 65 d 66 c 67 d 68 c 69 c 70 b
71 a 72 b 73 a 74 d 75 a 76 b 77 c 78 d 79 c 80 b
81 c 82 d 83 c 84 a 85 b 86 a 87 d 88 c 89 e 90 a
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EDUCATION LOANS
1 For securing Education loan which of the following documents is mandatory for
both the student and parent/guardian
a) Ration card b) PAN card
c) Passport d) Voter ID
2 Our Educational loan scheme does not cover
a) Within India b) Foreign Study
c) Distance Education d) None of the above
3 Expenses for like study tours, project work, thesis, etc. can be considered for
loan subject to the condition that these should be capped at ____ of the total
tuition fees payable for completion of the course.
a) 40% b) 35%
c) 20% d) None of the above
4 Cost of a two-wheeler upto Rs. ___________ can be included in the expenses
considered eligible for finance where the loan amount is secured by a suitable
third party guarantee and/or tangible collateral security.
a) 1,00,000/- b) 45,000/-
c) 50,000/- d) None of the above
5 Educational loan Quantum of finance____?
a) Rs.10 lacs for studies in India & b) Rs.15 lacs for studies in India &
Rs.30 lacs for studies abroad Rs.30 lacs for studies abroad
c) Rs.20 lacs for studies in India & d) None of the above
Rs.10 lacs for studies abroad
6 Borrower Margin for Education loans of above Rs.4.00 lakhs?
a) Studies in India: 10% b) Studies in India: 5%
Studies abroad: 15% Studies abroad: 15%
c) Studies in India: 10% d) None of the above
Studies abroad: 15%
7 Security for Education loan up to Rs.7.5 lakhs?
a) NIL b) Coobligation of parent(s) & No
Security
c) Third party guarantee d) None of the above
8 Which branch is identified as Nodal branch in respect of education loan for
economically weaker sections for submission of claims under the scheme
a) New Delhi Main branch b Kolkata Main branch
c) Mumbai main branch d Chennai Main branch
9 What is the repayment period under SBI student loan? After commencement of
repayment.
a) 7 years b) 15 years
c) 10 years d) 12 years
10 What is the margin in Scholar loan?
a) Up to Rs.4.00 Lakhs NIL b) Above Rs.4.00 Lakhs & Up to
Rs.7.50 Lakhs 5%
c) 15% d) Both (a) & (b) are correct
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11 What is the security for loan above Rs. 7.5 lakhs under SBI student loan?
a) Co-obligation of parents b) Tangible collateral security.
c) TPG d) Both a) & b
12 What is the rate of interest concession if full interest is repaid during moratorium
period?
a) 1% b) 1.5%
c) 1.75% d) 2.00%
13 What is the processing fee for loans up to Rs.7.5 lakhs?
a) 0.5% b) 0.75%
c) 1.00% d) Nil
14 What is the maximum loan under SBI Scholar scheme?
a) Rs.15.00 lakhs b) Rs.20.00 lakhs
c) Rs.25.00 lakhs d) Rs.30.00 lakhs
15 For availing loan under SBI Education plus the applicant must be permanent
employee with ____ years of service?
a) 1 b) 2
c) 3 d) The scheme was withdrawn
16 In SBI Scholar Loan which of the following institutions were added under List - B
a) Army Institutions b) Navy Institutions
c) Air Force Institutions d) All the above
17 The eligibility criteria for Education counselor/ agency ..
a) Should operate from his/ her b) Should have been into this business
place. Bank will not provide any for minimum 3 years
office
c) Only B d) Both (a) & (b)
18 Budged applications to be sourced by Education counselor/ agency during the
year .
a) 20 b) 30
c) 40 d) 50
19 What is the limit of Education loan that can be classified as priority sector
advance for studies in India?
a) Rs.5.00 lakhs b) Rs.10.00 lakhs
c) Rs.15.00 lakhs d) Rs.20.00 lakhs
20 What is the limit of education loan that can be classified as priority sector
advance for studies abroad?
a) Rs.10.00 lakhs b) Rs.15.00 lakhs
c) Rs.20.00 lakhs d) Rs.25.00 lakhs
21 What is the limit up to which education loans are eligible for interest subsidy
during moratorium for students from economically weaker sections with annual
gross parental/family income up to Rs.4.50 lakhs
a) Rs.2.00 lakhs b) Rs.5.00 lakhs
c) Rs.7.00 lakhs d) Rs.10.00 lakhs
22 SBI Student loan scheme is sanctioned as
a) Overdraft b) Term Loan
c) Both d) None of the above
23 What is the repayment period of education loans sanctioned to wards of staff?
a) 60 months b) 84 months
c) 108 months d) 120 months after moratorium
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46 Repayment Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration up to 1 year ?
a) 3 years b) 5 years
c) 7 years d) 10 years
47 Repayment Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration above 1 year?
a) 3 years b) 5 years
c) 7 years d) 10 years
48 Under SBI Scholar Loan scheme, enhanced maximum loan limit without any
tangible collateral, for List AA, A, B and C category institutes are ________
Respectively.
a) Rs15lacs, Rs10lacs, Rs7.50 lacs b) Rs 30 lacs, Rs20lacs, Rs 20 lacs
and Rs.5 lacs and Rs.7.5 lacs
c) Rs25lacs, Rs20lacs, Rs 12.5lacs d) Rs30lacs, Rs20lacs, Rs15 lacs and
and Rs.10 lacs Rs.12 lacs
49 Under SBI Scholar Loan scheme, enhanced maximum loan limit with tangible
collateral of full value for List A and C category institutes are ____ respectively.
a) Rs15lacs and Rs7.50lacs b) Rs20lacs and Rs 10 lacs
c) Rs25lacs and Rs12.5lacs d) Rs30lacs and Rs 30 lacs
50 Maximum repayment period under SBI Scholar Loan?
a) Upto 10 years b) Upto 15 years
c) Upto 12 years d) None of the above
51 Bank has launched New Loan product under Education Loan scheme for
pursuing full time regular courses in foreign colleges/universities abroad against
the collateral security is..
a) SBI Global Ed-Vantage b) SBI Globe Ed-Vantage
c) SBI Overseas Ed-Vantage d) SBI Ed-Vantage
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1 b 2 c 3 c 4 c 5 a 6 b 7 a 8 c 9 b 10 d
11 b 12 a 13 d 14 d 15 d 16 a 17 d 18 d 19 b 20 a
21 d 22 b 23 d 24 d 25 d 26 d 27 d 28 d 29 a 30 d
31 b 32 d 33 d 34 a 35 a 36 a 37 d 38 d 39 c 40 a
41 b 42 b 43 d 44 b 45 d 46 a 47 b 48 b 49 d 50 b
51 a 52 d 53 c 54 b 55 c 56 c 57 d 58 a 59 d 60 c
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1 How many Demand Loans can be sanctioned against same TDR/STDR within
the overall permissible amount?
a) One b) Two
c) Three d) Four
2 In special cases, the AGM/RM can permit ____ loan against the same TDR/
STDR within the overall permissible amount
a) Second b) Third
c) Fourth d) Fifth
3 The maximum amount that can be sanctioned against security of shares is
a) 5 lacs b) 20 lacs in demat form and 10
lacs for physical shares
c) 50 lacs d) No limit
4 What is the margin prescribed for advances against shares granted for the
purpose of acquiring new shares?
a) 50% b) 40%
c) 33 1/3% d) 75%
5 The maximum Gold Loan amount that can be sanctioned under SBI Personal
Gold Loan
a) Rs.1.00 lac b) Rs.5.00 lacs
c) Rs.20.00 lacs d) No limit
6 Minimum age limit for sanction of Personal Gold Loan?
a) 18 years & above b) 21 years & above
c) 25 years & above d) None of these
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a) 9,000/- b 9,500/-
c) 10,000/- d) 5,000/-
13 How much % of face value and accrued interests of an NSC can be sanctioned
as loan
a) 50% b 60%
c) 75% d) 85%
14 Maximum repayment period of loan sanctioned against shares
a) 24 months b 30 months
c) 36 months d) 60 months
15 ____% of Face value and accrued interest can be sanctioned to staff members
while sanctioning loan against NSCs
a) 65% b) 85%
c) 75% d) 100%
PENSION LOANS:
XPRESS CREDIT:
22 Under Xpress Credit Loan Scheme, the maximum loan amount for School
Teachers shall be a maximum of.
a) 12 times NMI b) 24 times NMI
c) 36 times NMI d) 48 times NMI
23 Apart from PAN Verification, the Xpress Credit proposals should be processed
through LOS without any exception to ensure
a) CIBIL Defaulters b) Validation under Risk Scoring
c) De-dupe Check d) All of these
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24 Respective RM, RBO to the DGM(B&O) will certify _______ that all Control
Returns in respect of Xpress Credit Loans sanctioned by the Branches
under their control up to the end of previous month have been scrutinized and
found in order.
a) Monthly b) Bi-monthly
c) Quarterly d) Half yearly
25 Minimum NMI for sanction of Xpress Credit Loan?
a) Rs.3,000/- b) Rs.5,000/-
c) Rs.7,500/- d) Rs.10,000/-
26 Minimum & Maximum loan under Xpress Credit Term Loan?
a) Rs.24,000/- & Rs.15 lacs b) Rs.50,000/- & Rs.15 lacs
c) Rs.25,000/- & Rs.15 lacs d) None of these
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42 Penal Interest should not be charged for priority sector loans up to?
a) Rs.50,000/- b) Rs.25,000/-
c) Rs.1,00,000/- d) None of these
43 Certain documents like Will, Mortages (other EMs) are to be witnessed by?
a) 3 persons b) 2 persons
c) 1 person d) None of these
44 Credit Information Report is used for assessment of borrowers ?
a) Past payment behaviour b) Current capability to service the
loan
c) Both of the above d) None of these
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47 Bank cannot grant any loans and advances on the security of its own shares
under Section of the Banking Regulation Act, 1949.
a) 20(1) b) 20(a)
c) 20(2) d) 20(b)
48 Unconditional Cancellability clause, which gives the Bank the right to cancel the
sanctioned limit without reference to the borrower at any time
a) True b) False
c) Bank doesnt get such right d) None of the above
49 Grant of advance against NR (E) and FCNR(B) deposits would be subject to the
guidelines issued under..
a) Banking Regulation Act, 1949 b) State Bank of India Act,1955
c) RBI Act, 1934 d) Foreign Exchange Management
Act, 1999
50 Under Takeover Loans for exposure from Rs. 25 lacs and above to less than Rs.
10 crores, CRA of the borrower should be
a) SB-6 or better. b) SB-7 or better.
c) SB-5 or better. d) SB-8 or better.
1 D 2 D 3 B 4 A 5 C 6 B 7 C 8 C 9 B 10 A
11 B 12 B 13 B 14 B 15 B 16 B 17 B 18 C 19 C 20 A
21 D 22 B 23 D 24 A 25 B 26 C 27 A 28 C 29 B 30 D
31 C 32 A 33 D 34 A 35 B 36 B 37 B 38 C 39 C 40 D
41 A 42 B 43 B 44 C 45 A 46 C 47 A 48 A 49 A 50 B
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AGRICULTURE
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13 Processing Charges are waived upto what limit in Kisan Credit Card Scheme ?
A 2 lac B 1lac
C 3 lac D 5 lac
14 Personal Accident Insurance Scheme to KCC Borrowers can be covered upto
Maximum Age ?
A 70 Year B 72 Years
C 75 Years D 65 Years
15 Under PAIS to KCC Borrowers what is the ratio of fee borne by Bank & Borrower
A 1:2 B 3:1
C 1:3 D 2:1
16 What is the maximum coverage to a KCC Borrower under PAIS, who died due to
accident ?
A 50000/- B 25000/-
C 75000/- D 100000/-
17 What is the maximum premium to be paid by a KCC Borrower under PAIS ?
A Rs.5/- B Rs.15/-
C Rs.10/- D None of these
18 In which scheme Self Employed persons such as fishermen, rickshaw owner,
handloom weavers and SHGs can be sanctioned Working Capital and Term Loan
in same lines of KCC ?
A Kisan Gold Card B General Credit Card
C Swarojgar Credit Card D Kisan Sarpat Yojana
19 What is the Maximum Quantum of finance can be extended under Kisan Gold
Card Scheme ?
A Rs.10 lacs B Rs.15 lacs
C Rs. 5 lacs D Max. 5 times the annual farm
income/50% value of the land
mortgaged less term loan
outstandings/Rs. 10 lacs whichever
is less
20 What is the validity of General Credit Card ?
A 3 years B 5 years
C 4 years D 1 year
21 What is the minimum and maximum quantum of loan that can be sanctioned as a
mortgage loan to seed processing units ?
A Rs.5.00 lacs and Rs.50 lacs B Rs.50.00 lacs and Rs.100 lacs
C Rs.5.00 lacs and Rs.100 lacs D Rs.1.00 lac and Rs.50 lacs
22 What is the Margin fixed for mortgage loan to seed processing units ?
A 35% B 25%
C 20% D 50%
23 What is the maximum amount of advance that can be sanctioned under Produce
Marketing Loan Scheme ?
A Rs.10 lacs B Rs. 50 lacs
C Rs.30 lacs D Rs.15 lacs
24 What is the margin applicable for loans under PML Scheme issued by private
Warehouses ?
A 40% B 5%
C 10% D 15%
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25 What is the maximum repayment period in respect of Term Loans for Power Tillers
A 7 years B 9 years
C 5 years D 6-7 years
26 What is the Maximum Project Cost for financing of Agri Clinic and Agri Business
Centres for single agri graduate and group of agricultural graduates respectively ?
A 20 lacs, 50 lacs B 25 lacs, 50 lacs
C 25 lacs, 100 lacs D 20 lacs, 100 lacs
27 As per the Supreme Court ruling, no advance should be granted to ------- type of
agricultural activity
A Sericulture B Advances for cold storages
C Pisci culture D Brackish Water Aquaculture
28 Maximum amount can be sanctioned to a farmer under SBI Krishak Uthaan
Yojana ?
A 1 lac B 2 lac
C 0.50 lac D 1.5 lac
29 What is the maximum amount can be financed under scheme for financing Private
Cold Storage / Private Warehouses for on-lending to farmers ?
A 100 lacs B 200 lacs
C 300 lacs D 400 lacs
30 What should be the minimum capacity of cold storage to be considered for finance
under scheme for cold storage/private ware houses for on lending to farmers ?
A 2000 mt B 2500 mt
C 1000 mt D 5000 mt
31 What is the minimum land criteria for financing a self propelled Combine Harvestor
A 8 Acres Irrigated land B 6 Acres Irrigated land
C 4 Acres Irrigated land D 2 Acres Irrigated land
32 What should be the minimum usage per annum for Combine Harvestor to become
a viable project, for finance ?
A 500 hrs B 1500 hrs
C 2000 hrs D 1000 hrs
33 Which type of Alternate Channel product is being provided to KCC Borrower ?
A State Bank Gift Card B Green Remit Card
C State Bank Kisan Card D State Bank Credit Card
34 What is the minimum land holding should a borrower possess to become eligible
for finance under Modified New Tractor Loan Scheme ?
A 4 Acre B 2 Acre
C 1.5 Acre D 1 Acre
35 What is the maximum repayment period under Modified New Tractor Loan
Scheme ?"
A 5 years B 9 years
C 7 years D 6 years
36 What is the maximum limit/limits for waiver of collateral security as per the revised
KCC Scheme ?
A 3 lacs B 1 lac
C 2 lacs D 1 lacs and 3 lacs with tie-up
arrangement
37 What Flexible Limit can be sanctioned to KCC borrowers, to meet post harvest
expenses, consumption needs, storage cost and small means of investment etc as
per the revised KCC Scheme for marginal farmers
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61 What is the name of Bank's Scheme for financing Commission Agents who
support the farmers to meet their needs at the time of harvest ?
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88 In personal accident insurance what is the time limit within which the nominee of
the injured has to report to the concerned bank ?
A With in 1 week B Within 10 days
C Within 15 days D Within 30days
89 The corpus fund in SHG does not include the following ?
A Cash in Hand B Bank Loan
C Cash in their Savings Account D Internal Loan outstanding with the
borrowers
90 Government of India is providing Interest Subvention to Short term agriculture
advances to
A Only commercial banks B Commercial banks, RRBs
C Commercial Banks, RRBs, and D None of the above.
Cooperative Banks
91 In Agriculture Cash Credit interest @7% is charged upto a limit of Rs.
A 1 lakh B 3 lakh
C 5akh D 2 lakh
92 RIDF stands for
A Rural India Development Fund B Rural Integrated Deposit Fund
C Rural Industrial Development D Rural Infrastructure Development
Fund Fund
93 NABARD prepares --------plan taking into consideration the potentials available in
the district before preparing the annual credit plan ?
A Potential Credit Plan B Annual Credit Plan
C Service Area Credit Plan D Potential Linked Credit Plan
94 Inspection charges for advances to weaker sections ?
A No charges B 25% of actual charges
C 75% actual charges D 50% of actual charges
95 In agriculture advances, detailed opinion is compiled on borrowers whose
aggregate credit limits are more than Rs.
A 2 lac B 3 lac
C 0.50 lac D 0.25 lac
96 AB1 Simple Documentation is obtained for borrowers whose limits are -------
A Upto 0.50 lac B Upto 2 lac
C Upto 1 lac D Upto 3 lac
97 The minimum amount in KCC for take over -------
A 1 lac B 2 lac
C 3 lac D 5 lac
98 Demand Collection Balance Register is maintained for
A CC & ACC accounts B KCC Accounts
C ATL Accounts D ACC/KCC/ATL accounts
99 What is meant by mixed farming ?
A Growing more than 1 crop B Growing crops on community basis
C Growing crops and allied D None of the above
activities
100 In Agricultuer, Document AB 6 refers to
A Revival Letter - borrower B Revival Letter Gurantor
C Guarantee Deed D Letter sent to Borrower by Bank if
the loan is not repaid on due date
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101 Stamp duty for AB 1 in case of agriculture cash credit where the loan is secured
by mortgage crop is --------% of loan amount or maximum
A 0.5% B 0.6%
C 2% D 2.%
102 Annewari indicates
A Cropping pattern B Rainfall
C Land Cess D The extent to which crops are
damaged due to natural calamity
103 What does AB 4 refer to ?
A Notice to Borrower B Notice to Guarnator
C Revival Letter - Borrower D Revival Letter - Guarantor
104 Which segmental advances will be covered under Differential Interest Rate
Scheme 1971
A SSI B SBF
C Agri D All of these
105 What is the annual family income criteria for Urban and Semi Urban areas to
become eligible for finance under DIR Scheme ?
A Rs.40,000/- B Rs.24,000
C Rs.30,000/- D None of these
106 What is the annual family income criteria for Rural area, to become eligible for
finance under DIR Scheme ?
A Rs.20,000/- B Rs.22,000/-
C Rs.18,000/- D Rs.25,000/-
107 What is the revised or enhanced loan ceiling under DIR Scheme ?
A Rs.15,000/- B Rs.25,000/-
C Rs 20,000/- D Rs. 6,500/-
108 What is the revised loan ceiling for housing under DIR Scheme ?
A Rs.24,000/- B Rs.20,000/-
C Rs.25,000/- D Rs.26,000/-
109 What is the ROI and Margin respectively under DIR Scheme ?
A 3% , 10% B 4%, 15%
C 4%, 5% D 4%, nil
110 The Banks are required to lend under DIR at least ----% of the total credit as at the
end of the previous year.
A 18% B 40%
C 24% D 1%
111 What is the loan maximum loan repayment tenor under DIR ?
A 3 years B 4 years
C 5 years D 2 years
112 What is the criterion for land holding irrigated and non irrigated respectively to
become eligible for finance under DIR scheme ?
A Not to exceed 1 acre of irrigated B Not to exceed 2 acre of irrigated
and 2.5 Acres of Non irrigated and 5 Acres of Non irrigated land
land
C No such ceiling D None of these
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113 What is the criterion for land holding irrigated and non irrigated respectively for
SC/ST community farmers to become eligible for finance under DIR scheme ?
A Not to exceed 1 acre of irrigated B Not to exceed 0.5 acre of irrigated
and 2.5 Acres of Non irrigated and 1.25 Acres of Non irrigated land
land
C No such ceiling D None of these
115 What is the single national level nodal implementation agency for PMEGP ?
A NREGS B PMRY
C KVIC D NHB
116 As per the Scheme of Capital Investment Subsidy Scheme for commercial
production units of organic inputs, out of three components what was the
component that was withdrawn from the scheme w.e.f 11/8/2010 ?
A Fruit and vegetable waste B Vermi Hatcheries
compost production unit
C Biofertilizers and Biopesticides D None of these
production units
117 What is the subsidy provided for Fruit and vegetable waste compost production
unit by the NABARD under the above Scheme ?
A 33% of capital cost max. 60 lakh B 33% of capital cost max. 40 lakh
C 25% of capital cost max. 60 D 25% of capital cost max. 60 lakh
lakh
118 What is the subsidy provided for Bio Fertilizers/Bio Pesticides unit by the NABARD
under the above Scheme ?
A 33% of capital cost max. 60 B 25 % of capital cost max. 40 lakh
lakh
C 25% of capital cost max. 60 D 25% of capital cost max. 60 lakh
lakh
119 What is the implementing agency under the above scheme ?
A National Centre of Organic B NABARD
Farming
C National Horticulture Board D Central Government of India
120 As per the finance under Capital Investment Subsidy for Construction /
Renovation of Rural Godown what is the project cost for godowns upto 1000mt
A Project cost as appraised by B Project cost as appraised by
financing Bank or actual cost of financing Bank or actual cost of
Rs.3500/- per MT of storage Rs.2500/- per MT of storage
capacity, whichever is lower capacity, whichever is lower
C Project cost as appraised by D Project cost as appraised by
financing Bank or actual cost of financing Bank or actual cost of
Rs.5000/- per MT of storage Rs.3000/- per MT of storage
capacity, whichever is lower capacity, whichever is lower
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121 What is the ceiling on maximum subsidy in any category for the finance under the
scheme Capital Investment Subsidy for Cosntruction/Renovation of Rural
Godowns ?
A Rs. 2 Crore B Rs.2.25 Crore
C Rs.1.35 Crore D Rs. 3 crore
122 What is the eligible DSCR to get finance under New Tractor Loan Scheme ?
A 1.75 : 1 B 1.5 : 1
C 2:1 D 2.25 : 1
123 What is the IT platform used for issuing State Bank Kisan Card for usage through
ATM and POS ?
A RuPay B Verisign
C Maestro D Visa
124 What is the Margin on market value of gold to be retained in case of Agriculture
Gold Loans ?
A 20% B 25%
C 30% D 35%
125 Branch should obtain a certificate from a local jeweler for the loans above the limit
---------?
A Rs.50000/- B Rs.100000/-
C Rs.75000/- D Irrespective of the limit
126 The existing schemes under tractor finance are as follows.
A Modified New tractor loans B New tractor loans scheme and
scheme, Stree shakti(SSTL) Stree shakti(SSTL)
And Tatkal Tractor Scheme
C Modified New tractor loans D None of the above
scheme,Stree shakti(SSTL) and
Scoring model scheme.
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yojana
180 Sanction/ Renewal of KCC/ ACC Accounts for raising crops
A Option to adopt SLBC/ DLTC B Only Common repayment due
recommended repayment due dates: 31st Jan for Kharif and 31st
dates or common repayment July for Rabi. 31st July for multiple
due dates crops
C Only B D None of the above.
181 NAIS was replaced w.e.f 01.11.2013 with
A NCIP B WBIS
C AIC D None of the above
182 The full form of NCIP is
A National corporation for B National Crop Insurance
insurance Payment Programme
C National Crop Insurance D None of the above
Payment scheme
183 Campaign for Deposit mobilization through BC channel
A Lakshya 2000 B Lakshya 5000
C Lakshya 7000 D Lakshya 3000
184 Krishi Plus II campaing is related to
A Financing Agri loans to farmers B Financing Agri loans to farmers
having 3 years good track having 3 years good track recored
recored and upto Rs.l lac. and upto Rs.3 lac.
C Only B D None of the above.
185 Nomination for Gold loans
A Not available to loans even B Available
Gold loans
C Only B D None of the above
186 For Tatkal Tractor loan
A Mortgage of Agri land upto 2 B Mortgage of Agri land of 4 acres
acres
C Mortgage of Agri land upto 6 D It is a Mortgage free loan.
acres
187 The definition of High networth farmers in Tatkal tractor loan
A Farmers who score 61 & above B Farmers who score 71 & above
score under Tractor scoring score under Tractor scoring model.
model.
C Farmers who score 56 & above D Farmers who score 76 & above
score under Tractor scoring score under Tractor scoring model.
model.
188 Eligibility of land holding under Tatkal tractor loan scheme
A All farmers-Individual / joint B All farmers-Individual /joint
borrowers who are owner borrowers who are owner cultivators
cultivators having minimum 4 having minimum 8 acres of land.
acres of land.
C All farmers-Individual / joint D All farmers-Individual / joint
borrowers who are owner borrowers who are owner cultivators
cultivators having minimum 2 having minimum 6acres of land.
acres of land.
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197 What is the type of can be sanctioned under Agri Asset Backed Loan?
A Term Loan B Cash Credit
C Drop line- Overdraft facility (OD) D None of the above
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199 Under Agri Asset Backed Loan the property should be with ___ in the radius of the
branch?
A 15 km B 20 km
C 5 km D 25 kms
201 For what purpose the Agri Asset Backed Loan can be sanctioned?
A Short Term Production B Investment Credit
C Short Term Production & D None of the Above
Investment Credit
202 The new product product launched for Agriculturists is
A Mc-Revised KCC B Digital KCC
C New KCC D None of these
203 What is the interest rate concession under Digital KCC Scheme for above
Rs.3.00 lacs Loan
A 1.25% B 1%
C 0.75% D 0.50%
204 What is the minimum and Maximum Loan amount under Digital KCC scheme?
A 1.01 lacs & No Ceiling B 0.50 lacs & 3.00 Lacs
C 1.00 lacs & 5.00 lacs D No minimum & No Maximum
205 What is the FREE insurance available under PAIS for Digital KCC Scheme
Borrowers?
A Rs.1.00 lacs B Rs.5.00 lacs
C Rs.2.00 lacs D No Free Insurance undr PAIS
206 The Scoring Model for PML/WHR financing is applicable for the loans
A 10 lacs-15 lacs B 25 lacs-50 lacs
C Above 50 lacs D Scoring Model is not required
208 What is the minimum land criteria for financing a Combine Harvestor?
A 8 Acres Irrigated land B 6 Acres Irrigated land
C 4 Acres Irrigated land D 2 Acres Irrigated land
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1 2 3 4 5 6 7 8 9 10
c c D b a b d d b d
11 12 13 14 15 16 17 18 19 20
a b C a d a a c d a
21 22 23 24 25 26 27 28 29 30
c a B a b d d a a d
31 32 33 34 35 36 37 38 39 40
a d C b a d c b b a
41 42 43 44 45 46 47 48 49 50
b a C a a d b c b d
51 52 53 54 55 56 57 58 59 60
b d A c d a d a c d
61 62 63 64 65 66 67 68 69 70
b a B a d c c a c d
71 72 73 74 75 76 77 78 79 80
b b C d c d a a b a
81 82 83 84 85 86 87 88 89 90
d a D c d a c d b c
91 92 93 94 95 96 97 98 99 100
b d D a b c a d c d
101 102 103 104 105 106 107 108 109 110
b d C d b c a b d d
111 112 113 114 115 116 117 118 119 120
c a C c c b a b a a
121 122 123 124 125 126 127 128 129 130
d b A b a a d a a c
131 132 133 134 135 136 137 138 139 140
a d C a b c a c b c
141 142 143 144 145 146 147 148 149 150
c c A a b a a b a c
151 152 153 154 155 156 157 158 159 160
a d C c a b b d b b
161 162 163 164 165 166 167 168 169 170
d b A b a c b a c c
171 172 173 174 175 176 177 178 179 180
a b C d a d c a c a
181 182 183 184 185 186 187 188 189 190
a b c a a d a c b a
191 192 193 194 195 196 197 198 199 200
b a a a b c c b d b
201 202 203 204 205 206 207 208 209
c b d a c b a b a
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8. Search warrant for Locker issued by Income Tax Department should bear
Signature of official not below the rank of Commissioner of I.T. of search
authority. (Sec of I tax act)
a) Sec 52 b) Sec 122
c) Sec 132 d) Sec 142
9. Bearer Bonds, IVPs, TDR/STDR held as security against loan are kept in
a) Single custody of Branch Manager b) Single custody of Manager
(cash)
c) Joint Custody of Manager (cash) & d) Single custody of Manager
Branch operation Branch operation
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10. Safe Custody A/c in the name of Minor can be opened in respect of
a) Govt Securities only b) Banks TDR only
c) Any Security d) Cannot be opened
11. While delivering scrip kept under safe custody to the depositor, his
acknowledgement is obtained on
a) COS 139 b) COS 339
c) COS 49 d) COS 141R
12. Relationship between Customer & Banker in case of Safe Deposit Article
a) Bailer- Bailee b) Debtor- Creditor
c) Licensor- Licensee d) None of the above
13. In case of Joint A/c (E or S), locker can be surrendered and the account
closed
a) By both of them jointly b) By either of them
c) By First Hirer singly d) Either a or b
14. Nomination facility is available in case of Safe Deposit Lockers under which
act?
a) Sec 45Z of BR Act b) Sec 45ZA of BR Act
c) Sec 45ZC of BR Act d) Sec 45 ZE of BR Act
15. Locker rent for New/existing hirers is to be paid every year in advance on
a) 31 st March b) 1 st April
c) 2 nd April d) Date of Allotment of Locker
16. Periodicity for balancing Safe custody/Security is
a) Monthly b) Quarterly
c) Half yearly d) Yearly
17. Lockers cannot be allotted to
a) Resident Individuals b) Non Resident Indians
c) Blind Persons d) Minors
18. While closing an account
a) Customers ID is to be established b) Ensure that no lien is marked
beyond doubt on deposits
c) Ensure that there is no d) All of these
direct/indirect liability to the Bank
19. Security forms should be stocked to meet
a) 6 months requirements b) 12 months requirements
c) 24 months requirements d) None of these
20. All state Government transactions are reported to
a) FSLO at LHO b) GAD, Belapur
c) GAS, Nagpur d) None of the above.
21. Security forms should be in the custody of
a) Accountant b) Branch Manager
c) Joint custodians d) None of these
22. Various audit reports are under the custody of
a) Record Keeper b) Accountant
c) Branch Manager d) Any officer
23. EXIM Bills is the software used in
a) LCPC b) LPC
c) RACPC/RASMECC d) CCIL
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1 B 11 C 21 C 31 B 41 C
2 C 12 A 22 C 32 B 42 D
3 B 13 A 23 D 33 B 43 D
4 D 14 D 24 B 34 D 44 A
5 D 15 C 25 C 35 B 45 B
6 B 16 C 26 B 36 C 46 B
7 C 17 D 27 B 37 D 47 C
8 C 18 D 28 B 38 B 48 A
9 C 19 A 29 C 39 D 49 B
10 B 20 A 30 C 40 B 50 B
51 D
4. All branches should ensure that all cases of counterfeit currency note to be
reported by way of counterfeit currency report to principal office (KYC/AML)
through?
a) DGM& CFO and money b) GM & CFO
laundering officer
c) CGM & CFO d) AGM & CFO
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11. Difference between Days deposit and withdrawal in the chest is known as?
a) Chest Transfer b) Currency Transfer
c) Amount Transfer d) Balance Transfer
12. In case if counterfeit notes found in remittance from currency chest to RBI,
how much amount is debited from banks current account?
a) Entire amount + ( Bank Rate+2%) b) Entire amount + (Base Rate+ 2%)
c) Entire amount + (Base Rate ) d) Entire amount + (Bank Rate+ 1%)
13. What is the Fidelity insurance for SWO?
a) 1 Lac b) 3 Lac
c) 5 Lac d) 4 Lac
14. What is the size of the aluminium box of SWO?
a) 14x11x4 b) 11x14x4
c) 4x11x14 c) None of the above
15. IOI can be paid by ______ irrespective of the location of the drawee branch
a) Drawee branch only b) Clearing branch
c) Issuing branch only d) Any branch
16. Under Deceased account what is the aggregate balance upto which surety is
not required?
a) 1 Lac b) 2 Lac
c) 4 Lac d) 5 Lac
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17. Under Pahla Kadam and Pehli Udaan what is the threshold limit for Auto
Sweep?
a) 10000/- b) 15000/-
c) 20000/- d) 25000/-
18. Under Pehla Kadam and Pehli Udaan the transaction limit for Internet Banking
per day is--?
a) 2000/- b) 4000/-
c) 3000/- d) 5000/-
19. Under Pehla Kadam and Pehli Udaan the transaction limit for Mobile Banking
per day is --?
a) 1000/- b) 2000/-
c) 3000/- d) 4000/-
20. Duplicate draft is to be issued within a maximum period of
a) 14 days b) 5 days
c) 10 days d) 7 days
21. Which one of the following is NOT a BPR initiative ?
a) Grahak Mitra b) Drop Box
c) Project Ambience d) Cross Selling
22. How many compartments does the Drop Box have, to accept the
instruments/Cheques through it for processing ?
a) Two b) Four
c) Three d) None of these
23. Which one of the following Business Unit is not a part of National Banking
Group (NBG) at Corporate Centre ?
a) SME Business Unit b) Government Business Unit
c) Financial Institutions Business d) Agri Business Unit
Unit
24. What is the Annual Turnover Range defined for any unit to be classified under
Mid Corporate Group ?
a) Rs. 10 Cr to Rs.100 Cr b) Rs. 100 Cr to Rs.500 Cr
c) Rs. 500 Cr to Rs.1000 Cr d) Rs. 50 Cr to Rs.500 Cr
25. Which one of the following is the major role of Green Banking Cell that has
been set up in the Bank ?
a) Setting up of Green Channel to all b) Providing Internet Banking Facility
Counters in the Branch
c) Providing Green Remit Cards d) Undertaking various initiatives like
Energy efficient lighting, tree
plantation, water & waste
management etc, to the
Customers.
26. CENMAC (Central Office Management Committee) consists of
a) CGM, CDO, MDs b) Chairman, MDs, DMDs
c) MDs, DMDs, Circle CGMs d) None of these
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28. The reduction of liquidity and interest rate risk and optimization of returns is
managed by which committee ?
a) Asset Liability Management b) Inspection and Audit Committee
Management System
c) Bank Risk Management d) Corporate Risk Mitigation
Department Committee
29. BPR is introduced as per the recommendations of which consultancy
organization
a) Rangarajan Committee b) Narasimham Committee
c) Mckinsey & Co d) Tata Consultancy Services
30. The functionality of Loan Origination Software (LOS) refers to
a) Designing a Loan Product b) Registration, Processing and
Generation of Loan using the
software Documents and tracking
the status of Loan applications
c) NPA Tracking d) None of these
31. As per the revised Bank's organizational structure, The Regional Manager of a
Region will directly report to
a) DGM (O & C) b) DGM (B & O)
c) GM (Net Work) d) CGM of the Circle
32. Which of the following is not a profitability Ratio for the Bank ?
a) Gross Rate of Return b) Net Profit Per Employee
c) Rs. Expenses Ratio d) Net Interest Margin
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38. Presently, how many associate Banks are there in the State Bank Group ?
a) 7 b) 6
c) 5 d) None of these
39. What is the role of Document Archival Centre (DAC) under BPR ?
a) Decongest the Branches by b) Execution of Bank's Loan
removing records maintenance
c) Printing of Bank's Loan d) None of these
Documents
40. Who is a Manager (BO) in a BPR Branch?
a) Accountant b) Branch Manager
c) CRO d) RMPB
41. Number of IRCs (Inward Remittance Cell) in the country are
a) Only two b) 14 at all LHOs
50. DRP and BCP is prepared in the first week of __________every year for
approval by C.A.
a) February b) January
c) December d) May
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1 B 2 A 3 B 4 A 5 B
6 D 7 B 8 C 9 A 10 D
11 B 12 A 13 C 14 A 15 D
16 D 17 C 18 D 19 B 20 A
21 D 22 C 23 C 24 D 25 D
26 B 27 B 28 A 29 C 30 B
31 B 32 C 33 C 34 D 35 B
36 D 37 B 38 D 39 A 40 A
41 D 42 A 43 B 44 E 45 A
46 B 47 B 48 D 49 A 50 B
GENERAL AWARENESS-1
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8. As per IRDA, a pension insurance policy should also contain a provision for
a) One time withdrawal b) An annuity
c) Benefits of accident d) Both (b) & (c)
9. M-3 money supply measurement in India takes into consideration
a) Post office SB savings b) Time deposits with banks
c) Interbank deposits d) All the above.
10. The social web site ORKUT is owned by
a) msn.com b) Rediff.com
c) Google d) None of the above
11. 4G SPECTRUM is
a) New generation of cell phones b) Allotment of new and higher
bandwidths in cellular
communication
c) New technology in cellular d) Multimedia cellular
.communication. communication technology.
12. The managing director of IMF is
a) Percy Anderson b) Lileon Mathew
c) Christine Lagarde d) Lely Cipora
13. Vijay Malya Chairman of the ill fated Kingfisher Airlines resigned from
a) VB Group b) UB Group
c) Jaiswal Group d) Jindal Group
14. Who is the president of CII?
a) Adi Godrej b) Dr.Naushad Forbes.
c) D.Parekh c) Anil Ambani
15. The world Bank consists of
a) IBRD (International Bank for b) IBRD only and IDA is an
reconstruction and Development) independent and
& IDA (International development complementing agency.
Agency).
c) IDA only and IBRD is an d) None of the above is correct.
independent and complementing
agency.
19. The institution which looks after regulation of insurance sector in the country is
a) IRDA b) AMFI
c) ICDA d) SEBI
20. As per the recommendations of Basel-III, the Tier-2 capital is to be ______
a) Enhanced b) Reduced
c) Eliminated d) Harmonized.
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21. The tag line of which of the following banks is worlds local bank
a) HDFC b) ABN AMRO
c) HSBC d) CITY BANK
22. Who is the chairman of IBA (Indian Banks Association)?
a) Smt.Chanda Kochchar b) Sri.Rajeev Rishi
c) Shri.Bhaskar Sen d) Shri.K.R.Kamath
23. Aadhar Payment Bridge System (APBS) was developed by
a) NPCI b) RBI
c) SBI d) CCIL
24. Which bank / Financial Institution took the lead in setting up of CCIL (Clearing
Corporation of India Limited)?
a) SBI b) IDBI
c) LIC d) ICICI
25. As per SEBI Rules, what is the maximum investment limit for Retail Inventors in
public issues?
a) Rs.50,000/- b) Rs.100,000/-
c) Rs.125,000/- d) Rs.200,000/-
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48. The entities identified by PFRDA for floating their pension funds are
a) LIC,SBI & UTI-AMC b) LIC, SBI & UTI
c) SBI, BOB & AXIS Banks d) SBI, BOB & UTI
49. Swavalamban is related to
a) RIDF (Rural Infrastructure b) Health insurance programme
development fund) scheme launched for rural poor
c) Rural housing scheme. d) Governments assistance to
NPS (New pension scheme)
50. According to 2001 census, the state with lowest literacy rate is
a) Bihar b) Rajastan
c) Madhya Pradesh d) Nagaland
51. The capital conservation buffer recommended by Basel-III as percentage os
RWA (Risk Weighted Assets) is
a) 2% b) 2.5%
c) 3% d) 5.0%
52. The base of Consumer Price Index for Industrial Workers is being shifted
from 1982 to ______
a) 1995 b) 1998
c) 2000 d) 2001
53. TALLY is a
a) Software for book keeping b) Software for balancing banks
daily transactions
c) Software for Banks balance d) None of the above.
sheets.
54. Incredible India is
a) A campaign for promoting b) A campaign for promoting
India as a investment India as a global tourist hot
destination spot
c) A campaign launched for d) A campaign launched to
promoting SBI as a global promote India as an exporter.
bank.
55. Contribution is
a) Sales fixed cost b) Sales/variable cost
c) Sales variable cost d) Sales/fixed cost.
56. Which of the following is not a Credit Rating Agency?
a) CAMELS b) ICRA
c) CRISIL d) CARE
57. MCX is a
a) Exchange for gold trading b) Commodities exchange
c) Forex exchange d) Metals exchange
58. ETF stands for
a) Exchange traded fund b) Electronic traded fund
c) Exchange traded future d) Electronic traded future
59. Who is the NSE chairman?
a) Vijay Khelkar b) Ashok Chawla
c) J.Hari Narayan d) None of the above
60. One of the focus areas of Bharath Nirmaan programme is
a) Construction of rural dwellings b) Removal of poverty through
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employment assurance
programme
c) Rural & urban upliftment d) Literacy programme.
programme
61. Chairman of Federal reserve of USA is
a) Alen Greenspan b) Ben Bernanke
c) Steve Goldstein d) Janet L.Yellen
62. iPhone is the product of
a) Microsoft b) Samsung
c) Apple d) Motorola
63. SAARC University will have its head office in
a) Dhaka ( Bangledesh) b) New Delhi ( India)
c) Colombo ( Srilanka ) d) Male ( Maldives )
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1. b 2. c 3. d 4. a 5. d 6. a 7. a 8. d 9. b 10. c
11. b 12. c 13. b 14. b 15. a 16. d 17. d 18. b 19. a 20. d
21. c 22. b 23. a 24. a 25. d 26. c 27. c 28. b 29. d 30. b
31. b 32. a 33. c 34. a 35. a 36. c 37. d 38. d 39. b 40. a
41. c 42. a 43. b 44. c 45. b 46. c 47. b 48. a 49. d 50. a
51 b 52 d 53 a 54 b 55 c 56 a 57 b 58 a 59 b 60 a
61 d 62 c 63 b 64 a 65 c 66 b 67 a 68 c 69 d 70 c
71 a 72 b 73 d 74 a 75 b
GENERAL AWARENESS -2
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16. Which of the following is correct regarding the Gross Domestic Savings in India.
a) Contribution of the b) Contribution of Government sector
household sector is the is the largest.
largest.
c) Contribution of the d) None of the above.
corporate sector is the
largest.
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23. In our country , which of the following affects poverty line the most ?
a) Level of Prices b) Expenditure method
c) Export import method. d) None of these.
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33. After the recent infusion of capitalization of SBI by Government of India to the
tune of Rs.3,004 Crores, the share holding of Government of India will go up to
a) 62.22% b) 59.24%
c) 52.35% d) 55.0%
34. CAMELS framework is meant for
a) Credit appraisal b) Assessing health of banks
c) Sovereign credit rating method d) Trends in global economic
used by credit rating agencies situations
35. As per the census of India, which city (with a population of more than 1 million)
tops the list of cities with largest number of slum households?
a) Mumbai b) New Delhi
c) Chennai d) Visakhapatnam
36. CDs (Certficate of Deposits) are basically
a) Short term instruments issued b) Promissory notes issued by banks
by Corporates for short term fund raising
c) Promissory notes issued by d) All the above
Corporates for short term fund
raising
37. Minimum public shareholding (MPS) norms of SEBI are applicable to
a) PSUs alone b) Non-PSUs only
c) To both PSUs and Non-PSUs d) PSBs alone
as well
38. As per the census of India, which State tops the list of cities with largest number
of slum households?
a) Andhra Pradesh b) Bihar
c) Delhi d) Maharastra
39. CAMELS was developed by
a) IMF b) World Bank
c) US Federal reserve d) European Central Bank
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50. e-filing of income tax returns is mandatory for individuals with annual taxable
income of
a) Above Rs.5.00 lakhs b) Above Rs.5.50 lakhs
c) Above Rs.7.50 lakhs d) Above Rs.8.00 lakhs
51. El Nino is
a) A Korean trading Company b) A weather pattern in Pacific which
affects monsoon arrival in India
c) A pattern of movement in Dow d) Statistical tool for arriving at stock
Jones index of New York stock price sensitivities
exchange
52. PMI (Purchasing Managers Index) , an index relating to purchasing orders by
manufacturers company, is published by
a) HDFC b) CMIE (Center for monitoring Indian
economy)
c) HSBC India d) Ministry of Finance
53. EMV Compliance is related to
a) Cross border money transfers b) Payments systems in India
c) Debit cards d) Forex transactions
54. The Core Sector Industries in India are
a) 5 b) 6
c) 7 d) 8
55. Which of the following is not Core sector industry in Indian economy?
a) Gas & Oil production b) Coal mining
c) Cement industry d) Capital goods industry
56. The minimum capital required for setting up a new bank under RBIs new
licensing norms is
a) Rs.75 Cr b) Rs.100 Cr
c) Rs.250 Cr d) Rs.500 Cr
57. Which of the following is a must for new banks under new licensing norms of
RBI?
a) The new banks should be stock b) Foreign share holding should not
market listed within 3 years of exceed 49% within the first 5 years
commencement
c) th of the branches should be d) All the above
opened in rural areas.
58. As per WTO estimates for 2012, India is the _______largest merchandise
exporter and _______largest merchandise importer in the world.
a) 19th and 12th b) 12th and 19th
rd th
c) 3 and 7 d) 7th and 3rd
59. A recent committee appointed by Ministry of Finance suggested that currency
bins occupancy rate should not be more than ____% of Vault Holding Limit(VHL)
so that more shuffling of currency takes place.
a) 10% b) 25%
c) 50% d) 75%
60. Fresh evaluation of every item of expenditure from the very beginning of each
financial year is called ?
a) Fresh Budgeting b) Deficit Budgeting
c) Performance Budgeting d) Zero-based Budgeting
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1 a 2 b 3 b 4 a 5 b
6 d 7 a 8 d 9 c 10 c
11 a 12 b 13 b 14 d 15 a
16 a 17 d 18 c 19 b 20 a
21 c 22 d 23 c 24 c 25 a
26 b 27 d 28 d 29 a 30 b
31 b 32 a 33 a 34 b 35 d
36 b 37 c 38 a 39 c 40 b
41 c 42 a 43 d 44 a 45 a
46 a 47 d 48 b 49 a 50 a
51 b 52 c 53 c 54 d 55 d
56 d 57 d 58 a 59 b 60 d
61 c 62 a 63 b 64 d 65 c
66 b 67 d 68 a 69 d 70 d
71 c 72 b 73 a 74 d 75 a
76 c 77 a 78 a 79 b 80 a
81 a 82 d 83 c 84 a 85 a
GENERAL AWARENESS-3
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50. There is a growing controversy between Tamilnadu and Kerala regarding which
dam?
a) Periyar Dam b) Udukki dam
c) Mullaperiyar dam d) Idukki dam
51. The present Repo rate is
a) 6.5% b) 6.75%
c) 7.75% d) 6.25%
55. The Noble peace prize to Satyarthi and Malala Yousafzai is for the fought
against
a) Right of all children to b) Labour reforms
education
c) Protecting against widow d) None of these
marriages
56. Under Basel III, RBI has stipulated a CRAR(Capital to Risk weighted Asset
Ratio) of
a) 9% b) 11.5%
c) 10.5% d) 8%
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71. Which ndian business group has announced joint venture with a South African
Insurance giant MMI Holding Ltd., to enter Indias health Insurance market
a) Reliance Group b) Aditya Birla Group
c) Tata group d) Bharati Enterprises
72. In International banking, TIBOR stands for
a) Tokyo Interbank offered rate b) Taiwan interbank offered rate
c) Thailand Interbank offered rate c) None of the above
73. The term Paper Gold refers to
a) Gold bonds b) Special Drawing Rights
c) Mutal funds d) Gold traded funds
74. Which country has recently launched Gandhi Inspired Tourist Attraction
Project
a) England b) USA
c) Pakistan d) South Africa
68. United Nations has decided to dedicate year 2017 to which of the following?
a) Water conservation b) Nuclear Energy
c) Clean India d) Sustainable Tourism for
development
69. International Internet day was observed globally on
a) October 29 b) October 30
c) October 24 d) October 1
70. With which bank, RBI has signed a pact for supervisory cooperation and
exchange of supervisory information.
a) Federal Reserve Bank b) Central Bank of Kenya
c) Bank of China d) Bank of Japan
71. Social networking site of SBI
a) SBI Aspirations b) SBI Facebook
c) SBI Twitter d) SBI You tube.
72. Which committee recommended a maximum age of 65 for private bank CEOs
?
a) Damodaran committee b) A.K.Kandelval committee
c) Dr. Rangarajan committee d) P J Nayak committee
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76. For merger of Associates into SBI which acts have to be amended
a) BR Act & RBI Act b) RBI Act & SBI Act
c) SBI Act & SBH Act d) SBI Act. & Associate Bank sAct
77. What is Indradhanush
a) Plan for recapitalization of b) New Deposit Scheme
Public Sector lenders
c) Scheme for Instant Issue of d) New Scheme to protect
Passport. Environment
78. RBI is to set up a separate Enforcement Department to
a) To monitor the NPAs b) Monitor banks against violation
of regulations.
c) To monitor digital transacntions d) To monitor cash transactions
of the banks
79. Recently RBI issued Final Payments Bank Licence to
a) India Post b) SBI
c) Tata Services d) Reliance
80. Other entities who got final Payments Bank Licence from RBI are
a) Tata Services & Birla Group b) Bharati Airtel & Paytm
c) d) Reliance & SBI
81. What is FSDC
a) Financial stability and b) Financial Stability and
Distribution Channel Development Commission
c) Financial Stability and d) None of the above
Development Council
82. Who is the Chairman of FSDC
a) Union Finance Minister b) Prime Minister
c) Reserve Bank Governor d) Finance Secretary
83. New Executive Director of RBI is
a) Ms.Malavika Sinha b) Mr.Govind nikhlani
c) Mr.Sanjay Baru d) Mr.K.Ramanathan
84. RBI has recently increased the limit of Prepaid Payment Instruments to
a) Rs.10,000/- b) Rs.20,000/-
c) Rs.40,000/- d) Rs.15,000/-
85. What is FDMC
a) Financial Distributory and b) Finanancial Development and
Maintainance Centre Maintenance Council
c) Financial Data Management d) Financial Data Merging Centre
Centre
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89. What is the name of the new Payment System launched by Prime Minister
recently
a) BHIM b) Buddy
c) e-Zee Pay d) Mobi Transfer
90. What is GST
a) Goods and Services Tax b) Goods and Statutary Tax
c) Global Service Tax d) Government Service Tax
91. GST is applicalbe in which states
a) All the States. b) All the States Except J&K and
North Eastern States
c) All the states Except J&K d) Non of the above
92. GST is Governed by
a) Finance Minister b) Prime Minister
c) Neti Ayog d) GST council
93. Chairman of GST Council is
a) Prime Minister b) Finance Secretary
c) Union Financi Minister d) RBI Governor
94. GOI compensates the states for revenue loss o/a introduction os GST is for
a) 3 Yrs from date of Introduction. b) 5 Yrs from date of Introduction.
c) 10 Yrs from date of Introduction. d) No Compensation will be given
nd
95. 2 annual meeting of New Development Bank is hosted by
a) India b) China
c) Brazil d) Pakistan
96. Which Bank has launched UNNATI Credit Card to spread credit inclusion?
a) Bank Of india b) Union Bank Of India
c) State Bank Of India d) ICICI Bank
97. Truecaller Pay the UPI based mobile payment service has partnered with
which bank
a) State Bank Of India b) ICICI Bank
c) Axis Bank d) HDFC Bank
98. Money Plant Rupay International Platinium Debit Card is launched by which
bank
a) Bharateeya Mahila Bank b) AXIS Bank
c) Union Bank Of India d) Karnataka Bank
99. Which company is the new sponsor for the Indian Cricket?
a) Reliance b) Aditya Birla Group
c) Oppo d) Sahara
100. For the year 2016 which bank has been adjudged the Best Small Bank
a) Indus Ind Bank b) Bharateeya Mahila Bank
c) Karur Vysya Bank d) Kotak Mahindra Bank
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General Awareness 4
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20. First District to become the geotag of all the assets created under MGNRGA is
a) Siddipet of Telangana State b) Dharvad of Karnataka State
c) Kangra of H.P State d) None of the above
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2. State Bank Mobi Cash has been launched by SBI under with the partnership?
a) Bharati Airtel b) BSNL
c) Realiance Communications d) None of the above
3. Fully wholly owned banking subsidiary of SBI
a) Nepal SBI Bank Ltd b) SBI Mauritius Ltd
c) SBI Commercial & International d) SBICAP Securities Ltd
Bank Ltd (SBICI)
4. Find out which is not one of the Joint Venture of SBI
a) SBI Macquarie SBI Infrastructure b) Oman India Joint Investment
Trustee Pvt Ltd Fund-Trustee Co Pvt. Ltd
c) GE Capital Business Process d) SBI General Insurance
Management Services Pvt Ltd Company Ltd
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c) 1,722 d) 2,722
8. The Bank has ____ foreign offices in ___ countries spanning all time zones.
a) 173: 34 b) 200:37
c) 34:173 d) 34:186
9. Stressed Assets Management Group (SAMG) resolves all NPAs of Rs.___and
above across the country with a view to provide focused efforts in resolution of
NPAs.
a) 10 cr b) 1 cr
c) 100 cr d) 1000 cr
10. Asset Liability Management Committee (ALCO) is headed by
a) MD & GE CAG b) Chairman & DMD
c) MD & CCRO d) DMD & CFO
11. Strategic Training Unit has been created headed by a ________to cater to
ever increasing training needs of the Bank. There are 5 ATIs (Apex Training
Institutes) and 47 SBLCs State Bank Learning Centres) across the country.
a) DGM (L&D) b) AGM (L&D)
c) CGM (L&D) d) CM (L&D)
12. The current Interest rate of PPF Balance is
a) 8.10% b) 8.00%
c) 7.95% d) 7.90%
13. Consultants for BPR in SBI
a) Deloitte consultancy b) Tata consultant services
c) Mc Kinsey d) None of these
14. The following is not the Pillars of BPR
a) NPA Management b) Alternate Delivery Channels
c) Centralized Processing Centers c) Branch Re-design
15. The following is not a Central Processing Centre
a) Retail Asset Central Processing b) Currency Administration Cell
Centre (RACPC) (CAC)
c) Small and Medium Enterprise City d) Centralized Clearing Processing
Credit Centre or SMECCC Centre(CCPC)
16. Turn Around Time (TAT) for Housing Loan at BPR centre under builder tie-up
a) 6 days b) 16 days
c) 7 days d) 17 days
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29. Interest concession for women given by SBI in which of the following scheme
a) Housing Loan b) Personal Loan
c) Agr Gold Loan d) Car Loan
30. Total Number of Foreign branches of SBI is
a) More than 225 b) More than 198 branchs
c) More than 250 d) None of the above
31. The Subsidiary launched by SBI for implementation of CSR is
a) SBI Power b) SBI Services
c) SBI Foundation d) None of the above
32. BCSBI means
a) Business correspondent of SBI b) Bankers Cheque of SBI
c)Banking Codes and Standards d) Bank Commission acct of SBI
Board of India
33. SBIs Mobile Wallet Buddy launched in collaboration witth
a) Accenture & Master Card b) Tata consultancy Services
c) Infosys & Master Card d) None of the above
34. SBI started dedicated Specialized Branch for Start-Ups called is.
a) SBI In Cube b) SBI -Starts
c) SBI - Exclusive d) None of the above
35. Recently SBI sought approval to operate in the following country along with
other Asian Asian Banks is
a) Bhutan b) Srilanka
c) Singapore d) Myanmar
36. FIBU stand for
a) Financial Institutions Business Unit b) Foreign Institutions Business
Unit
c) First Institution Business unit d) Former Institution Business Unit
37. SBI launched a single wndow for investment of the following country and the
single window is called:
a) China China Source b) Japan Japan Desk
c) Myanmar Myans source d) None of the above
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49. Legal expenses incurred by the bank in respect of Recalled assets accounts
are to be debited to
a) Charges A/c - legal b) respective PB/RD A/c
c) Cash Receipt d) Charges sundries
50. Which bank merged with State Bank Of India along with 5 associates?
a) Bharateeya Mahila Bank b) Punjab & Sind Bank
c) Maharana Pratap Bank d) Uco Bank
1 a 2 b 3 c 4 b 5 b 6 a 7 a 8 b 9 a 10 c
11 c 12 d 13 c 14 a 15 b 16 a 17 c 18 b 19 b 20 b
21 a 22 b 23 c 24 b 25 b 26 a 27 a 28 d 29 a 30 b
31 c 32 c 33 a 34 a 35 d 36 a 37 b 38 a 39 a 40 d
41 c 42 a 43 b 44 d 45 a 46 b 47 a 48 c 49 a 50 a
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1 d 2 a 3 b 4 c 5 d
6 c 7 c 8 d 9 d 10 d
11 a 12 b 13 a 14 d 15 c
16 b 17 a 18 a 19 b 20 b
21 a 22 d 23 b 24 c 25 d
26 a 27 b 28 a 29 b 30 a
31 d 32 a 33 c 34 d 35 b
36 b 37 c 38 b 39 a 40 b
41 c 42 c 43 b 44 a 45 b
46 a 47 c 48 b 49 a 50 c
51 a 52 c 53 a 54 a 55 b
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4 The Software that has been developed with the various objectives like
maintenance of BC/BF details, their commission details, computation of
commissions payable, MIS and performance control is.
(a) ChannelManagement Software (b) SBI connect
(c) China systems (d) B@ncs 24
26 What is a CSP?
(a) Customer Sales Point (b) Consumer sales point
(c) Customer sales procedure (d) Customer Service Point
27 Does the BC/BF also required to maintain a complaint register?
(a) No (b) Maintained at the link branch
(c) Maintained at the R.B.O (d) Yes
28 Who will obtain insurance of the cash at the BC outlet?
(a) B.C himself (b) Link Branch
(c) Channel manager (d) Regional Business office
29 Will the BCs/BFs be given any business targets?
(a) No targets (b) Yes, Individual targets given
(c) Yes. The target given to the (d) Yes, maximum target of
Channel Manager / Channel Rs.100000/-
Manager Advisor will be
distributed among the
BCs/BFs.
30 Can the customers who have opened an account with BC Smart
Card / transact through the Branch also
(a) Yes. The customer has the (b) Yes. The customer has the
freedom to use Branch freedom to use only at CSP.
banking facilities.
(c) No such facility (d) None of the above
31 Pass Books for the FIC accounts maintained by the BCs can be issued at?
(a) Issued at Link Branch only (b) Issued at BC point only
(c) Both A & B are Correct (d) Pass Book Cannot be issued
to FIC account Holders
32 Maximum Loan to Business Correspondents under SME segment To meet all
kinds of Credit requirements relating to business
(a) Rs.1.00 lacs (b) Rs.2.50 lacs
(c) Rs.3.00 lacs (d) No Loan canbe extended to
B.Cs
ANSWERS (FI)
1. d 2 d 3 d 4 a 5 a
6 d 7 b 8 b 9 a 10 a
11 b 12 a 13 c 14 a 15 a
16 a 17 b 18 a 19 d 20 c
21 d 22 a 23 a 24 d 25 b
26 d 27 d 28 a 29 c 30 a
31 a 32 b
20 The deposit scheme available in the bank that offers both higher interest and
tax benefits u/s 80 C
(a) Cap Gain Plus (b) MODS
(c) SBI Tax Savings Scheme 2006 (d) None of the above
21 The income criteria under Corporate salary package under Gold category is
(a) Rs.5,000 to Rs.20,000 (b) Rs.20,000 to Rs.50,000/-
(c) Rs.50,000 to Rs.1,00,000 (d) Above Rs.1,00,000/-
22 The maximum number of debit entries permitted in savings account per half
year is ---------- except transactions routed through alternate channels.
(a) Depends on QAB (b) Depends on Half yearly balance
(c) Depends on Monthly avg bal (d) No such stipulation
23 The income criteria under Corporate salary package under Silver category is
(a) Rs.5,000 to Rs.20,000 (b) Rs.20,000 to Rs.50,000/-
(c) Rs.50,000 to Rs.1,00,000 (d) Above Rs.1,00,000/-
24 The income criteria under Corporate salary package under Diamond category
(a) Rs.5,000 to Rs.20,000 (b) Rs.20,000 to Rs.50,000/-
(c) Rs.50,000 to Rs.1,00,000 (d) Above Rs.1,00,000/-
34 The following are not true in case of SBI Tax Saving Scheme 2006
(a) PAN is mandatory (b) Min Period of deposit is 5 years
(c) Min deposit is Rs.1000 (d) None of the above
35 Under Premier Savings account, which are the facilities available
(a) Through auto sweep, Term (b) Unlimited no of debits
deposit under MOD
(c) Free RTGS/NEFT (d) PRODUCT DISCON TINUED
36 Tenure for MOD Component under Savings Plus
(a) 1 year to 3 years (b) 3 year to 5 years
(c) 1 year to 5 years (d) 2 year to 3 years
37 Under Tax Savings scheme, which sections of IT act is applicable for deposits
(a) 80 B (b) 80 C
(c) 80 D (d) 80 H
38 Maturity proceeds if exceeds Rs.20,000/- or more to be invariably be credited
to account or paid through Account payee cheque is stipulation under:
(a) Section 269 of IT Act (b) Section 269 of SBI Act
(c) Section 268 of IT Act (d) Section 268 of SBI Act
39 Period of deposit under SBI Flexi Deposit scheme is
(a) 3-5 years (b) 5-7 years
(c) 4-7 years (d) 5-10 years
40 What is the period of deposit under Tax Savings Scheme
(a) 5-7 years (b) 5 years
(c) 5-8 years (d) 5-10 years
41 Name the deposit scheme which allows lump sum deposit and payment of
principal and interest at equated monthly installments
(a) SBI Annuity Deposit (b) SBI Flexi
(c) SBI Power Jyothi (d) None of these
42 Which of the following are not features of SBI Annuity Deposit
(a) Min Deposit Amount Rs.25000 (b) Min Monthly Annuity Rs.1000
(c) Period of Deposit 36/60/84/120 (d) None of the above
months
43 The loan facility under PPF scheme is available during the period
(a) 4-5 years (b) 3-5 years
(c) 2-5 years (d) 5th year onwards
44 Which of the following is true under Sukanya Samriddhi Account
(a) any girl child who had attained (b) Minimum Deposit in a year is
the age of ten years Rs.1000/- and Maximum is
Rs.150,000/-.
(c) Minimum deposit mandatory till (d) All the above
14 years from the date of
opening
45 Pehla Kadam is a Savings Bank scheme for children below the age of
(a) 5 yrs (b) 15 yrs
(c) Minor of any age (d) 12 yrs
46 Pehli Udaan is a Savings Bank scheme for children above the age ofand
sign uniformly.
(a) 12 yrs (b) 5 yrs
(c) 1o yrs (d) 8 yrs
47 What is the cap on per day INB Transaction limits in Pehli Kadam, Pehli
Udaan account
(a) Rs. 2,000 (b) Rs. 3,000
(c) Rs. 4,000 (d) Rs. 5,000
48 Which child plan of SBI life is offered to customers of Pehli Kadam and Pehli
Udaan with inbuilt premier waiver benefit:
(a) Smart Kadam (b) Smart Udaan
(c) Smart Scholar (d) Smart Student
49 What is the basis for determining the variant of Salary Account under
Corporate Salary Package
(a) CSP Gross Salary (b) Rank of the employee in all
other packages
(c) Both a & b are true (d) None of the above
50 Following are the common features of all Salary Packages
(a) Savings Plus accounts will be (b) Overdraft facility available up to
opened 2 months net salary
(c) 1% discount on purchase of (d) All the above
Gold Coins of all
denominations
51 Personal Accident Insurance cover available for Gold & Diamond variants in
all the salary packages
(a) Rs.5.00 lacs (b) Rs.4.00 lacs
(c) Rs.3.00 lacs (d) None of these
52 The following offers are available for Platinum Variant in all the salary
packages
(a) SBI Vishesh Status (b) Free Platinum International
Debit Card
(c) 25% concession in locker (d) All of these
charges
53 Authority vested with CGM to permit coverage of employees having salaries of
less than Rs.5000 p.m under Silver variant provided:
(a) All the salary accounts are (b) Employees drawing gross
maintained with our Bank salary of less than Rs.5000
should not be more than 20% of
total
(c) Both a & b are true (d) None of these
54 Max amount of deposit in any account under Pehla Kadam SB account
(a) Rs.5 lacs (b) Rs 10 lacs
(c) Rs.1 lac (d) Rs 2 lacs
55 Max amount of deposits under common CIF in Pehla Kadam SB Account
(a) Rs 10 lacs (b) Rs 5 lacs
(c) Rs 1 lac (d) Rs 3 lacs
56 The maximum deposit permitted under SBI Tax Savings Scheme 2006
(a) 150000 (b) 200000
(c) 100000 (d) 50000
57 If a customer feels that the services rendered by the branch are not
satisfactory he can close his SB account with in_ _ and the SB account
closure charges are waived
99 In case the account holder is too ill/old to sign a withdrawal or put their thumb
impression, the impression of the depositor should be identified by
(a) No witnesses required (b) Two independent witnesses
known to the Bank
(c) One of the witnesses should be (d) Both a & b
Bank official
100 Nomination in respect of a Term Deposit shall be in prescribed form:
(a) DA1 (b) DA2
(c) DA3 (d) DA4
1 b 11 d 21 b 31 d 41 a 51 a
2 b 12 d 22 c 32 a 42 d 52 d
3 b 13 c 23 a 33 d 43 b 53 b
4 c 14 d 24 c 34 d 44 d 54 c
5 c 15 d 25 d 35 d 45 c 55 a
6 c 16 b 26 d 36 c 46 c 56 a
7 a 17 c 27 d 37 b 47 d 57 a
8 c 18 d 28 c 38 a 48 c 58 a
9 c 19 c 29 a 39 b 49 c 59 c
10 a 20 c 30 d 40 d 50 d 60 b
61 c 67 d 73 d 79 c 85 c 91 d 97 d
62 a 68 a 74 d 80 d 86 d 92 c 98 d
63 c 69 d 75 c 81 a 87 b 93 d 99 b
64 d 70 b 76 a 82 c 88 d 94 a 100 a
65 d 71 c 77 b 83 c 89 d 95 d
66 a 72 b 78 d 84 c 90 b 96 c
12. Which of the following statements is not true in respect of Bank draft
a) If PAN is provided cash b) Drafts of Rs.1,50,000/- and above
transactions of Rs 50000/- and should be signed by two officials
above are permissible
c) No Advice is sent for Drafts d) Even If PAN is provided cash
below Rs 10 Lakh transactions of Rs 50000/- and
above are not permissible
13. Inter Office Instrument (IOI) is a single running security form for issuing ___
a) Demand Draft b) Associate Bank Draft
c) Bankers Cheque d) All the above
20. In case Blank IOI forms are lost during the transit from Printer to Circle
Stationary Department, such losses are to be reported by _______ to _____.
a) Branch to Central Stationery b) Circle Stationery Department to
Department Central Stationery Department
c) Central Stationery Department to d) None of the above
Circle Stationery Department
21. As per the benchmark prescription known as 'CTS-2010 standard' issued by
RBI, no changes/ corrections should be carried out on the cheques other than
____ for validation purpose, if required effective from Dec 1, 2010. (under the
image-based Cheque Transaction System and not applicable to cheques
cleared under other clearing arrangements such as MICR clearing, non MICR
clearing , over the counter collection for cash payment or direct collection of
cheques)
a) Date b) Amount
c) Signature d) None of these
22. In case Blank IOI forms are lost at Branch, such losses are to be reported by
_______ to _____________.
a) Branch to Central Stationery b) Circle Stationery Department to
Department Central Stationery Department
c) Branch to Controllers besides d) Central Stationery Department to
making necessary input in CBS Circle Stationery Department
23. As the __________is updating the whole Bank level data of Draft/IOI reported
lost, the maintenance of Draft/IOI lost register at Branches is redundant and
hence is dispensed with.
a) Draft Reconciliation Department b) IOR
c) CRMD d) None of the above
24. RBI has advised that Savings as well as Current Account should be treated
as ________ if there are no debit as well as credit transactions induced at the
instance of customers in the account for over a period of ____ years.
a) Dormant, 2 b) Inoperative, 2
c) Dormant, 1 d) Inoperative, 1
25. IBTS is
A Inter branch transfer system B Inter branch transaction system
C Inter branch transfer scheme D Inter branch transaction scheme
26. IBTS is meant for
A Inter branch transfers other than B Inter Branch transfers including
SC/DDPs SC/DDP
C Inter Branch transfers other than D None of the above
staff purpose.
27. How many new BGL accounts have been created for IBTS purpose?
A 4 B 3
C 2 D 8
28. The purpose of IBTS is
A To ensure better control on inter B To replace Branch Clearing
Branch transactions. General Account (BCGA) as
IBTS is self reconciliation facility.
C Due to RBI compulsions. D To enable faster realization of
SCs/DDPs
34. While re-origination of the entry by the originating Branch, which of the
following can be changed/modified.
A Destination Branch code, amount B Destination Branch BGL No,
and narration amount and narration.
C Destination Branch code, amount D Destination Branch code, BGL
and destination BGL account. account and narration.
36. If IOI security form fails to get printed or the printing is defective or the form
gets corrupted/torn while printing, the security form shall be treated as
damaged and destroyed, as it cannot be put to use. Who can mark such IOI
as damaged in CBS
a Vault teller only b VPIS custodian only
c Branch Manager d either a or b
37. Which of the following statement is not true in respect of blank IOI forms
a Blank IOI forms lost during the b Blank IOI forms lost during the
transit from Printer to Circle transit from Circle Stationary
Stationary Department then Department to
Central Stationary Department will Branch: The Circle stationary
make necessary input in CBS up Department will inform the
on receipt of information from details of lost blank IOI forms to
circle stationary department Central Stationary Department
which will make necessary input
in CBS.
c Loss of blank IOI forms at Branch: d Draft/IOI lost register is
The branch will inform Central dispensed with
Stationary Department who will
make the necessary input in CBS
38. Which is the customized forex outward remittance facility on the Retail Internet
Banking platform introduced by the Bank
a RemXout b Xoutrem
c ReXout d remoutX
39. The customized forex outward remittance facility on the Retail Internet Banking
platform named remXout is presently permitted in
a USD b Euro
c GBP d All of these
40. Under a customized forex outward remittance facility with RINB, a user can
make
Upto ______ remittances in a calendar month.
a 8 b 4
c 12 d 18
41. Under remXout, Remittances will initially be permitted to be made for which of
the following purposes on self-declaration basis:
a Education b Medical treatment abroad
c Maintenance of close relatives d All of these
42. Under remXout, Remittance will initially be restricted to how many countries?
a 10 b 11
c 12 d 13
43. How many remittances can a person receive in a single calendar year under
Money Transfer Service Scheme (MTSS) through Western Union and
Moneygram
a 10 b 20
c 30 d 40
44. Bank has tied up with which of the following for Remittance Business with
Moneygram
a M/S Thomascook Ind Ltd b M/s Quwait India International
c Master Card International d None of the above
a Rs 40000 b Rs 30000
c Rs10000 d Rs 50000
60. IMPS in mobile banking facility stands for
a Immediate Payment Service B Inter Bank Money Payment
Service
c Intermoney payment service d Intramoney Payment Service
61. What is the minimum balance for sending remittance through NEFT, RTGS?
a NIL, Rs.1,00,000/- B Nil, Rs.2,00,000/-
c Nil, nil d Nil, Rs.3,00,000/-
62. The front-end software used for making payments under Western Union
payment is
a WestLink B Bankslink
c Translink d FastLink
63. Release of foreign exchange is not admissible for travel to and transaction
with residents of _______ & _______.
a Bangladesh & Pakistan B Nepal & Bhutan
c Sri Lanka & Maldives d Pakistan & China
64. The Nodal Branch for making payments under Western Union payment is
a NRI Chennai B NRI Kochi
c NRI Bangalore d Payment System Br, Mumbai
65. If RBI cuts CRR, then
a Excess Cash will be removed from B Liquidity will be infused into the
the economy Economy
c Foreign Inward Remittances will d Either (c) or (b)
take place on large scale
66. What is the function of Global Link Services?
a It enables user to manage gold B GLS handles the online
loan portfolio remittance product - SBI Express
Remit
c it handles the ECB portfolio of d it handles FCCB requirements of
corporate Corporates
67. Limit under Liberalised Remittance Scheme for Resident Individuals in one
financial year as gift to a person residing outside India is
a USD 1 LAC b USD 250000
c USD 75000 d USD 500000
68. Production of sureties may not be insisted upon while obtaining indemnity for
issuance of duplicate IOI draft where the amount of IOI is upto Rs._______ if
the applicant is considered good for the amount.
a Rs.50000/- b Rs.100000/-
c Rs.200000/- d Rs.300000/-
69. In case both the original and duplicate drafts are presented simultaneously,
which is to be honoured
a Original b Duplicate
c Both to the paid d Both to be returned
70. If the duplicate is presented after the original is paid, the duplicate is returned
with the remarks:
a Draft reported lost b Payees endorsement required
c Original paid d No remarks
71. __ section of RBI Act prohibits issue of bearer draft as it would virtually
tantamount to issue of currency. And it is punishable under section __of the act.
a 21, 48B b 31, 58B
c 31, 58B d 131, 158B
72. All Bankers cheques issued by debit to charges account and outstanding for
more than __ years are to be transferred to ____ account annually.
a 3, commission account b 2, commission account
c 3, Charges account d 2, Charges account
73. Branch will credit immediate credit of outstation cheques upto and inclusive of
Rs.___ tendered by customers of satisfactorily conducted accounts for 6 months
a 15000 B 20000
c 25000 d 30000
74. Compensation for delay in collection of cheques(interest rate payable for
delayed collections) in India is:
a Nil B Savings Bank
c Term Deposit rate d 2% above corresponding TDR rate
75. Compensation for delay in collection of cheques beyond 14 days is (interest
rate payable for delayed collections) in India is:
a Nil B Savings Bank
c Term Deposit rate d 2% above corresponding TDR rate
76 Compensation for delay in collection of cheques beyond 90 days is (interest
rate payable for delayed collections) in India is:
a Nil B Savings Bank
c Term Deposit rate d 2% above corresponding TDR rate
77. Compensation for delay in collection of cheques beyond 90 days for loan
accounts is (interest rate payable for delayed collections) in India is:
a Nil B Savings Bank
c Term Deposit rate d 2% above applicable interest rate
in the loan account
78. What is the limit on Foreign remittance to a SMALL account
a No credit of Foreign remittance B Rs.50,000/- per month
c Rs.10,000/- per day d Rs.25,000/- per annum
79. A revalidated draft is valid for a period of __ months and an overdue draft can
be revalidated only__ within a year.
a 1,1 B 2,2
c 3,3 d 6,6
80. Usance Bills are generally entitled to a grace period __ days
a 1 B 2
c 3 d 5
ANSWERS-REMITTANCES
1 d 2 d 3 b 4 b 5 d 6 b 7 a 8 a 9 b 10 b
11 b 12 d 13 d 14 a 15 b 16 d 17 c 18 d 19 b 20 b
21 a 22 c 23 a 24 b 25 b 26 a 27 a 28 b 29 a 30 b
31 b 32 b 33 b 34 d 35 b 36 d 37 c 38 a 39 d 40 b
41 d 42 b 43 c 44 a 45 b 46 a 47 a 48 d 49 c 50 d
51 b 52 a 53 d 54 c 55 a 56 b 57 a 58 c 59 a 60 a
61 b 62 c 63 b 64 b 65 b 66 b 67 b 68 b 69 b 70 c
71 c 72 c 73 d 74 b 75 c 76 d 77 d 78 a 79 c 80 c
LEGAL ASPECTS
12 As per Section 108 of Indian Evidence Act person will be declared as legally
dead, if for a period of.........years or more, the persons who would have
normally known of his existence have not heard of him / known of his
existence.
(a) 12-years (b) 7-years
(c) 5-years (d) 3-years
13 Section 45-Z of Banking Regulation Act, 1949 deal with?
(a) Return of unclaimed deposits (b) Permission to open new
branches
(c) Maintenance of currency chest (d) Return of paid cheque
14 What is "conversion" according to the Negotiable Instrument Act?
(a) Calculating the rupee (b) Payment of cash against tender
equivalent of a negotiable of negotiable instrument drawn
instrument expressed in foreign on the Bank
currency
(c) Payment to a holder in due (d) Wrongful transfer of the benefit
course of negotiable instrument to a
person who is not the true
owner
15 The relationship between the hirers of Bank locker and the Bank is that of:
(a) Debtor - Creditor (b) Bailor - Bailee
(c) Licensor - Licensee (d) Principal- Agent
16 The provisions of Consumer Protection Act,1986 are applicable to the services
rendered by the Banks __________________.
(a) To the customers of the Bank (b) To the customers and the users
only of the services irrespective of
whether the service is gratis or
for consideration
(c) To the customers and any user (d) All of these
of Bank's services against
consideration
17 What does "Assignment" refer to ?
(a) Immovable property (b) Ownership rights
(c) Transfer of interest in (d) None of the above
actionable claims
18 As per Section___of NI Act 1881A Minor can draw, endorse and accept an
N.I.
(a) 16 (b) 26
(c) 36 (d) 46
19 Which of the following is true about dishonor of cheques in NI Act 1881.
(a) sections 138-142 have been (b) Drawer is liable for either
introduced by Banking, Public punishment upto 2 yerars or
Financial Institutions and with fine which may go pto twice
Negotiable Instruments Laws the amount, or both if cheque is
Amendment Act of 1988. returned for want of sufficient
balance
(c) Sec-138: Chq. return for (d) All of these
insufficient funds
46 In respect of application received through a CAPIO, the CPIO has a time limit
of .... days from the date of receipt of the application by the CAPIO.
(a) 35 (b) 30
(c) 25 (d) 20
47 Under the provisions of the RTI act, the appellate authority for branches in the
circle is......
(a) GM of the Network (b) CGM
(c) DGM of Module (d) None of these
48 what is the maximum limit on the amount of compensation as specified in an
award by the Banking Ombudsman
(a) 10 lac (b) 15 lac
(c) 20 lac (d) 30 lac
49 The District Forum Under the COPRA can hear claims upto a maximum of ...
(a) 20 lac (b) 15 lac
(c) 10 lac (d) 30 lac
50 President of State Commission Under the COPRA is a judge from the .....
(a) High Court (b) District Court
(c) Sessions Court (d) None of these.
51 The apex appellate authority under the provisions of the COPRA is.....
(a) Supreme Court (b) High Court
(c) National Forum (d) None of these.
52 In case of Bank Deposits the Law of Limitation operates from the Date of .....
(a) Deposit (b) Maturity
(c) Demand (d) Not Applicable
53 Appellate Authority is vested with......... under the provisions of the Banking
Ombudsman Act.
(a) Deputy Governor of the RBI (b) Regional Director of the RBI
(c) High Court (d) Supreme Court
54 A physical grievance from a pensioner has to be acknowledged within a period
of . days.
(a) 1 (b) 2
(c) 3 (d) 4
55 The amount to the credit of any account in India with any bank which has not
been operated upon for a period of ten years will be transferred to....... fund.
(a) Depositor Education and (b) Rural Infra Development
Awareness
(c) Financial Education (d) Rural Poverty Alleviation
56 Which of the following is not a document of title to goods
(a) Railway Receipt (b) Lorry Receipt
(c) None of these (d) Bill of lading
57 Tax is required to be deducted at source when rent payments made in a
financial year [including advance, if any] exceed Rs.......lac.
(a) 1.8 (b) 2
(c) 2.5 (d) 1.5
58 Form 24Q/26Q/27Q is associated with........
(a) Yrly TDS statement (b) Qrtly TDS statement
(c) Yrly Service Tax statement (d) Qrtly Service Tax statement
1 a 11 c 21 d 31 a 41 c 51 a 61 c
2 b 12 b 22 b 32 d 42 d 52 c 62 c
3 c 13 d 23 c 33 b 43 a 53 a 63 d
4 a 14 d 24 c 34 a 44 a 54 c 64 b
5 a 15 c 25 c 35 d 45 d 55 a 65 a
6 a 16 c 26 c 36 d 46 a 56 b 66 a
7 b 17 c 27 c 37 c 47 a 57 a 67 a
8 b 18 b 28 a 38 c 48 a 58 b 68 d
9 d 19 d 29 b 39 d 49 a 59 c 69 c
10 d 20 c 30 c 40 c 50 a 60 a 70 c
FOREIGN EXCHANGE
Prepared by Sri. K S Prakash Rao, Manager (Training)
16. Which of the following is not a permitted debit for NRE account?
A Local disbursements B Transfer to FCNR/NRE accounts of
other people.
C Remittance outside India D None of the above.
17. Which of the following is correct about NRE accounts?
A NRE account balances cant be B FCNs tendered by POA of NRI can
used for payment of charges of be credited to NRE account of the
International credit cards. NRI
C POA holder of NRE account cant D All the above.
make gifts on behalf of the NRI
18. Upon return to India, the NRE account of a NRI is
A Is re designated as resident rupee B Converted into RFC
account (HCD) deposit.
C Either of the two at the option of D Can be continued as NRE account.
the depositor.
19. Upon return of NRI, the fixed deposit in NRE account
A Will be converted into resident B Can be continued as NRE account
account and will earn applicable till the date of maturity and as per
deposit rates to domestic deposits NRE deposit rates
C Will be converted into resident D None of the above
account but continue to earn NRE
rates if the same is continued till
the date of maturity
20. Which of the following is true regarding FCNR(B) deposit scheme?
A They are 6 foreign currency B They are foreign currency
designated accounts in the form designated term deposits with
of STDR,SB,CA etc maximum maturity period of five
years irrespective of the currency.
C The interest income from these D Recurring deposits can be
accounts is not free of tax. accepted under FCNR(B).
21. Firms dealing in purchase / sale of rough or cut and polished diamonds /
precious metal jewellery can transact through Diamond Dollar Account if they
have average annual turnover of ______ during the preceding three licensing
years
A Rs. 3 crores B Rs. 1 crore
C USD 1 Mio D USD 250000
22. Which of the following is not a permitted mode to open FCNR(B) account?
A By a transfer of funds from B By transfer of funds from existing
existing NRE accounts. FCNR(B) account.
C By transfer of funds from NRO D With funds received by debit to the
accounts. account of non-resident bank
maintained with authorized dealer
in India.
25. The sale proceeds of the immovable property held by an NRI can be remitted
abroad upto ________ per financial year
A USD 250000 B USD 1 Mio
C USD 100,000 C Rs. 100,000
26. FCNR(B) deposits can be maintained in
A USD or GBP B Any freely convertible currency
C USD, GBP or EURO D INR
27. The repatriation of sale proceeds of immovable property should not exceed the
amount paid for acquisition of the property received through normal channels or
out of funds held in
A NRE account B EEFC account
C FCNR(B) account D A or C
28. The sum total of accruals during a calendar month in EEFC accounts is to
converted into Rupee value by
A before the last day of the current B before the last day of the
month succeeding calendar month
C before the last day of the current D before the last day of the
financial year succeeding financial year
29. Which of the following statement is true regarding loans to NRIs against
deposits?
A No loans can be granted to third B The loan amounts can be fully
parties against NRI deposits. repatriated.
C The loan amount can be credited D The loan can be repaid out of local
to NRE account of the NRI rupee resources in the NRO
account of the NRI.
30. Which of the following is true regarding loans in foreign currencies to NRIs?
A Documents can be executed by B Loan proceeds can be used for
POA holder investments in India.
C Repayment of the loan can be D Loans can be sanctioned against
made from NRO account. third party deposits.
31. The repatriation of sale proceeds of residential immovable property by an NRI
is restricted to
A No restrictions B Not more than five properties
C Not more than three properties D Not more than two properties
32. In case of remittance of sale proceeds of immovable property purchased by NRI
with foreign exchange, the sale proceed are restricted to
A USD 2 million for FY B 2 properties in a FY
C 2 years lock in period is D None of the above.
stipulated.
33. A student with NRI status can receive from close relations in India, a foreign
remittance of _______ under LRS
A USD 250,000 for maintenance B USD 200,000 for maintenance
C USD 50,000 for maintenance D He cant receive
34. SBI Express Rupee is a
A A remittance product for US & UK B A remittance product for Gulf NRIs
NRIs
C A remittance product for US NRIs D None of the above.
alone
35. SBI Express is presently being facilitated by
A GLS (Global Link Services) B GMU (Global Markets Unit)
C OB,Mumbai D Exchange companies in Gulf
36. SBI Express Worldwide is a Money Transfer Request in GLS Worldwide
website through which online remittance upto ___________ is allowed
A USD 100000 per financial year B USD 100000 per month
C USD 100000 per calendar year D USD 100000 per transaction
37. Online remittance facility for customers based out of UK
A SBI Express Remit UK B SBI e-Remit
C SBI ERupee D SBI Express Rupee
38. The internet based online platform for Mid-corporate, small and medium
enterprises to book their trade transactions at rates provided directly by the
Central Treasury, Mumbai
A e-Remit B e-forex
C ERupee. D None
39. RNOR (Resident but not ordinarily resident) is defined
A Under FEMA Act B Under IT Act
40. A NRI after coming back to India got his NRE accounts converted into RFC
accounts. What is status of the account when he becomes NRI again
A The RFC accounts will become B They will continue as RFC
NRE accounts accounts.
C Either of the above as per his D None of the above
choice
41 The balance along with interest in NRE account can be repatriated with the
permission of
A RBI B Ministry of Finance
C Commerce Ministry D No permission required
42 Operation of NRE Account by third party can be permitted by ADS
A Under a Power of Attorney B Letter of Authority in the prescribed
format
C Either of (a) or (b) D None of the above
C 750 D 1000
61 The balances of all accounts opened under RFC (Domestic) scheme will be
classified in which segment
A IB B C&I
C P D DBD
62 A small legend is branded on the reverse of each cheque issued to the account
holder of RFC (Domestic)
A Name B Purpose
C Both (a) and (b) D None of the above
63 Unspent foreign exchange is to be submitted within how many days of return
A 180 B 90
C 270 D 360
64 Name the card that offers freedom to shop anywhere in the world
A SME Credit Card B Kisan Gold Card
C SBI Vishwa Yatra Foreign Travel D Artisan Credit Card
Card
65 What is the maximum limit up to which a resident can retain foreign currency
notes?
A USD 1000 B USD 5000
C USD 2000 D No limit
66 SBI Vishwa Yatra Card can be issued in which currency
A USD B GBP
C Euro D All of the above
67 What is the minimum amount for which Vishwa Yatra Card can be initially
loaded?
A USD 200 B GBP 250,EURO 400 and USD 500
C USD 1000 D USD 10000
68 What is the maximum amount for which Vishwa Yatra Travel Card can be
issued?
A USD 400 B USD 500
C USD 600 D EURO & GBP equivalent of USD
10000
69 Which rate will be applied while selling Vishwa Yatra Card?
A TT Selling B Bill Selling
C TT Buying D TC Buying
70 Which rates will be applied for purchasing the unspent balance in Vishwa Yatra
Card?
A Bill Buying B Bill Selling
C TT Buying D TC Buying
71 A person going to Bhutan/Nepal cannot take Indian Rupees in denomination in
excess of
A 100 B 500
C 50 D No such restriction
72 What is the minimum reload amount for SBI Vishwa Yatra Foreign Travel Card
in GBP?
A 120 B 130
C 250 D 300
73 What is the minimum reload amount for SBI Vishwa Yatra Foreign Travel Card
in Euro?
A 180 B 150
C 250 D 100
ANSWERS
1. c 2. c 3. c 4. d 5. a 6. a 7. d 8. d 9. a 10. a
11. c 12 a 13. b 14. d 15. d 16. d 17. c 18. c 19. c 20. b
21. a 22 c 23. a 24. b 25. b 26. b 27. d 28. b 29. d 30. c
31. d 32 b 33. a 34. b 35. a 36. d 37. a 38. b 39. b 40. a
41. d 42.c 43.b 44. a 45.a 46.a 47.d 48.a 49.d 50.d
51.b 52.c 53.a 54.c 55.d 56.a 57.d 58.c 59.b 60.b
61.c 62.b 63.a 64.c 65.c 66.d 67.a 68.d 69.b 70.a
71.a 72.a 73.b
1. All categories of foreign exchange earners are now allowed to retain ______% of
their foreign exchange earnings in EEFC accounts.
a) 50 b) 75
c) 100 d) 125
2. Where an exporter receives advance payment (with or without interest), from a
buyer outside India, the exporter shall be under an obligation to ensure that the
shipment of goods is made within ____________ from the date of receipt of
advance.
a) Three months b) Six months
c) one year d) 15 months
3. Expand OPGSP
a) Online Payment Gateway b) Online Payment Gateway Service
System Providers Provision
c) Online Payment Gateway d) Online Payment General Service
Service Providers Providers
a) 30 b) 21
c) 7 d) 10
13. Expand EDPMS
a) Export Data Processing and b) External Data Processing and
Monitoring System Monitoring System
c) Export Data Processing and d) Export Data Processing and
Monitoring Service Maintenance System
14. For setting up of an office abroad by Indian exporter, the maximum remittance
towards initial expenses, up to ____________% of the average annual
sales/income or turnover during the last two financial years or up to twenty-five
per cent of the net worth, whichever is higher can be permitted by authorised
dealers.
a) 5 b) 10
c) 15 d) 25
15. The rate of interest payable on the advance payment received by Indian exporter,
should not exceed ____________ basis points.
a) LIBOR + 10 b) LIBOR + 50
c) LIBOR + 75 d) LIBOR + 100
16. Exporters having a minimum export turnover of ___________ during the last
financial year can be granted permission by the authorised dealers, for opening /
hiring warehouses abroad.
a) USD 50,000/- b) USD 75,000/-
c) USD 150,000/- d) USD 100,000/-
17. AD Category I banks may allow payment of commission by Indian exporters, in
respect of their exports covered under counter trade arrangement through
________ Accounts designated in US Dollar
a) EEFC b) NRE
c) RFC d) Escrow
18. AD Category I banks may regularize cases of dispatch of shipping documents
by the exporter direct to the consignee or his agent resident in the country of the
final destination of goods, up to ____________ or its equivalent, per export
shipment
a) USD 10,000 b) USD 1 Mio
c) USD 25,000 d) USD 10 Mio
19. AD Category I bank may allow advance remittance for import of goods without
any ceiling. However, if the amount of advance remittance exceeds
____________ or its equivalent, an unconditional, irrevocable standby Letter of
Credit or a guarantee from an international bank of repute situated outside India
or a guarantee of an AD Category I bank in India, if such a guarantee is issued
against the counter-guarantee of an international bank of repute situated outside
India, is obtained.
a) USD 200,000 b) USD 75000
c) USD 100000 d) USD 50000
20. AD (CategoryI) banks may permit settlement of import dues delayed due to
disputes, financial difficulties, etc. and Interest thereon, for a period of less
than_________ from the date of shipment.
a) 1 year b) 2 years
c) 3 years d) 5 years
21. Remittances against import of books may be allowed within ________, as to the
time limit, provided interest payment is as prescribed from time to time for trade
credit.
a) 1 month b) 2 months
c) 3 months d) without restriction
22. Which of the following is true with respect to pre-payment of usance import bills?,
a) remittances may be made, b) prepayment of usance import bills is
after reducing proportionate allowed only for 30 days.
interest for the unexpired
portion of usance at the rate at
which interest has been
claimed or LIBOR applicable.
c) prepayment of usance import d) No, prepayment of usance import
bills is allowed freely. bills is not allowed.
23. AD Category I banks may make remittances where import bills have been
received directly by the importers from the overseas supplier provided the value
of import bill doesnot exceed USD _________.
a) 100000 b) 150000
c) 200000 d) 300000
24. AD Category - I banks may allow remittance for imports up to ______, where the
importer of rough diamonds, rough precious and semi-precious stones has
received the import bills / documents directly from the overseas supplier.
a) USD 100,000 b) USD 200,000
c) USD 300,000 d) No amount is allowed.
25. Currency declaration Form (CDF) to customs authorities need not be submitted if
at any one time, the value does not exceed ________ and/or the aggregate
value of foreign currency notes (cash portion) alone brought in does not exceed
USD 5,000 (US Dollars five thousand) or its equivalent.
a) USD 50,000 b) USD10,000
c) USD 1,00,000 d) USD 5,000
27. In case of all imports made by post, where value of foreign exchange remitted /
paid for import into India exceeds USD 100,000 or its equivalent, it is obligatory
on the part of the AD Category I bank through which the relative remittance was
made, to ensure that the importer submits
a) Customs Assessment b) Postal Appraisal Form
Certificate
c) Bill of Entry d) Either a or b
28. Authorised Dealer (CategoryI) may allow payment of interest on usance bills or
overdue interest for a period of __________, from the date of shipment at the
rate prescribed for trade credit from time to time.
a) less than 6 months b) less than 1 year
c) less than 2 years d) less than three years
29. Import bills and documents should be received from the banker of the supplier by
the banker of the importer in India. AD Category I bank should not, therefore,
make remittances where import bills have been received directly by the importers
from the overseas supplier, except Where the value of import bill does not
exceed USD ____________.
a) 100000 b) 200000
c) 250000 d) 300000
32. Authorized Dealers need not obtain any document, including Form A-1, except a
simple letter from the applicant , as long as it is a current account transaction, if
the amount does not exceed ____.
a) USD 100 b) USD 500
c) USD 750 d) USD 25000
33. Any person resident in India who had gone out of India on a temporary visit, may
bring into India at the time of his return (other than from Nepal and Bhutan),
currency notes of India up to an amount not exceeding __________.
a) Rs.15,000/- per person b) Rs.25,000/- per person
c) Rs.7,500/- per person d) No such cap, since he is bringing
back Indian currency.
34. Which of the following is true with respect to advance payments for import of
goods?
a) Irrevocable Letter of Credit or b) Irrevocable Letter of Credit or Bank
Bank Guarantee to be Guarantee to be obtained if the
obtained if the amount of amount of remittance exceeds USD
remittance exceeds USD 50000.
100000.
c) No Irrevocable Letter of Credit d) Irrevocable Letter of Credit or Bank
or Bank Guarantee need to be Guarantee to be obtained if the
obtained now. amount of remittance exceeds USD
200000
35. For status holder exporters, the limit for EDF waiver as per the present Foreign
Trade Policy is Rs._____ or 2 per cent of the average annual export realization
during the preceding three licensing years (April-March), whichever is higher
a) USD 100,000 b) Rs.10 lacs
c) USD 10 Mio d) Rs.1,00,000
36. AD Category I banks may consider requests for grant of EDF waiver from
exporters for export of goods free of cost, for export promotion up to 2 per cent of
the average annual exports of the applicant during the preceding three financial
years subject to a ceiling of
a) Rs.5 lacs b) USD 500,000
c) Rs. 50 lacs d) USD 5 Mio
37. Airline companies which have been permitted by the Directorate General of Civil
Aviation to operate can make advance remittance without bank guarantee, up
to_____________ for purchase of aircrafts/ Helicopters.
a) USD 25 million. b) USD 50 million.
c) USD 75 million. d) USD 100 million.
38. With respect of direct import of Gold, which of the following is true?
a) Suppliers and Buyers Credit, b) Suppliers and Buyers Credit,
including the usance period of including the usance period of LCs
LCs opened should not should not exceed 180 days.
exceed 90 days.
c) Suppliers and Buyers Credit, d) No Suppliers and Buyers Credit, is
including the usance period of allowed for direct import of gold.
LCs opened should not
exceed 360 days.
39. Documents evidencing import into India should be preserved by AD Category I
banks for a period of ___________ from the date of its verification
a) 6 months b) 9 months
c) one year d) 3 years.
40. Where imports are made in non-physical form, i.e., software or data through
internet / datacom channels and drawings and designs through e-mail/fax, a
certificate from ______________ that the software / data / drawing/ design has
been received by the importer, is to be obtained by the authorised dealer.
a) Concerned receiving Bank. b) Chartered Accountant
c) Exporter d) RBI
41. What is BEF statement?
a) Statement submitted by b) Statement submitted by authorised
authorised dealer to RBI with dealer to RBI with regard to
regard to importers defaulting exporters who defaulted submission
submission of import of documents.
documents
c) Statement submitted by d) Statement submitted by RBI to GOI
authorised dealer to RBI with with regard to importers.
regard to defaulting importers
& exporters.
42. Which of the following is true with regard to Merchanting Trade?
a) The entire merchant trade b) The entire merchant trade
transaction to be completed transaction is to be completed within
within a period of 3 months. a period of 45 days.
c) The entire merchant trade d) Merchanting Trade transactions are
transaction to be completed not being permitted now.
within a period of 9 months.
43. AD CategoryI bank may accept, in lieu of Exchange Control copy of Bill of Entry
for home consumption, a certificate from the Chief Executive Officer (CEO) or
auditor of the company that the goods for which remittance less than USD
1,000,000 was made have actually been imported to India, provided the
company is a listed one and its networth is not less than Rs._________crores.
a) 50 b) 100
c) 150 d) 250
44. Expand XBRL
a) eXtensible Business b) eXtensible Bills Receivable Letter
Reporting Language
c) eXtensible Business d) eXtensible Bills Reversal Letter
Reporting Letter
45. Bill of Entry is ______________.
a) Evidence of export b) Evidence of payment
c) Evidence of import d) Evidence of remittance
46. EEFC stands for __________________.
a) Earners Exchange & Foreign b) Exchange Earning Foreign Currency
Currency
c) Exchange & Earning Foreign d) Exchange Earners Foreign Currency
Currency
47. In cases where exporters present documents pertaining to exports after the
prescribed period of ____ days from date of export, AD Category I banks may
handle them without prior approval of the Reserve Bank, provided they are
satisfied about the bonafides of the transaction
a) 90 b) 30
c) 21 d) 7
preceeding years
C Customer can have a D Only a & b are applicable
maximum of 5 accounts
E All are applicable
59 When the imports are made in non physical form, a certificate is required from
whom for evidencing the import?
A Chartered Accountant B RBI
C Authorized Dealer D Exporter
60 Import licenses are issued for what value of the goods to be imported
A FOB B CIF
C Insured D None of the above
61 In case of postal imports importer has to submit
A Postal appraisal form B Custom assessment certificate
C Either of these D Neither of these
62 Crystallisatiion means___________
A Retirement of an import bill B Conversion of FC Liability into Rupee
Liability
C Conversion of Rupee liability D All of these
into FC Liability
63 Blue Card denotes
A A credit Card B A Debit Card
C A Proposition by EU to attract D None of these
highly qualified professionals
from other countries
64 What is TIBOR?
A Tokyo Interbank Offered Rate B Taiwan Interbank Offered Rate
C Thailand InterBank Offered D None of these
Rate
65 Centralized cheque collection and export bill payment centre is
A GMU-K B IBG, Corporate Centre
C GLS D Overseas Branch, Mumbai
66 GNR is a system of cheque collection prevalent in USA. GNR stands for
A Guaranteed no return B General non receipt
C General Non Return D Guaranteed non receipt
67 Inward Remittance Cell is at
A Overseas Branch Mumbai B Overseas Branch, Kolkatta
C GMU Kolkatta D None of the above
ANSWERS
1. C 2. C 3. C 4. A 5. C 6. C 7. A 8. B 9. D 10. B
11. A 12 A 13 A 14 C 15 D 16 D 17 D 18 B 19 A 20. C
. . . . . . .
21 D 22 A 23 D 24 C 25 B 26 A 27 D 28 D 29 D 30. A
. . . . . . . .
31 B 32 D 33 B 34 D 35 B 36 A 37 B 38 A 39 C 40. B
. . . . . . . .
41 A 42 C 43 B 44 A 45 C 46 D 47 C 48 A 49 A 50. A
. . . . . . . .
51 B 52 B 53 A 54 C 55 B 56 C 57 C 58 E 59 A 60 B
61 C 62 B 63 C 64 A 65 C 66 A
known as ___________.
a) Bill of Lading b) Partial Shipment
c) Sea Way Bill d) Transhipment
17 UCPDC is in use in more than _______ countries.
a) 175 b) 225
c) 255 d) 301
18 What is true about calculation of maturity period as per UCP600?
a) The words from and after b) The words from and after include
exclude date mentioned when date mentioned when used to
used to determine maturity determine maturity
c) Either of the above d) Maturity date has to be specific
19 A bank assumes no liability or responsibility for the consequences arising out of
the interruption of its business by Acts of God, riots, civil commotions,
insurrections, wars, acts of terrorism, or by any strikes or lockouts or any other
causes beyond its control. This is as per Article _____ of UCPDC,600.
a) 36 b) 37
c) 38 d) 39
20 Which article of UCPDC deals with Extension of Expiry Date or Last Day for
Presentation?
a) 22 b) 25
c) 29 d) 31
21 Which article of UCPDC deals with Partial Drawings and Shipments?
a) 22 b) 29
c) 30 d) 31
22 Which of the following statements is True with regard to Advising Bank?
a) An advising bank may utilize b) An advising bank cannot utilize the
the services of another bank services of another bank (second
(second advising bank) to advising bank) to advise the credit
advise the credit and any and any amendment to the
amendment to the beneficiary. beneficiary.
c) An advising bank, after d) An advising bank which advises a
advising the Credit, cannot credit must add its confirmation.
advise any further
amendment to the beneficiary.
23 Except as otherwise provided by article 38, a credit can neither be amended nor
cancelled without the agreement of the issuing bank, the confirming bank, if any,
and the beneficiary. This is as per Article _____ of UCPDC,600.
a) 2 b) 10
c) 19 d) 22
24 Which of the following is True with respect to UCPDC provisions?
a) A credit is irrevocable even if b) All credits are normally revocable
there is no indication to that even if there is no indication to that
effect. effect.
the applicant.
46 As per Article 20 of UCPDC, a Bill of Lading _______________.
a) Must indicate the name of the b) Must indicate the port of loading and
carrier and it should be the port of discharge stated in the
signed. credit.
ANSWERS
1. a 2. a 3. c 4. b 5. c 6. d 7. a 8. a 9. a 10. b
11. d 12 a 13 b 14 b 15 a 16 d 17 a 18 a 19 a 20. c
. . . . . . .
21. d 22 a 23 d 24 a 25 b 26 a 27 c 28 d 29 c 30. c
. . . . . . .
31. a 32 c 33 c 34 d 35 d 36 d 37 d 38 a 39 b 40. b
. . . . . . .
41. a 42 a 43 d 44 a 45 d 46 d 47 c 48 a 49 d 50. d
. . . . . . .
51. d 52 c 53 d 54 a 55 d 56 a 57 d 58 d 59 c 60. d
. . . . . . .
a) 10 b) 5
c) 20 d) None of these
28. Name the of the Register to record exchange of Cash between SWOs in Cash
Dept.?
a) Cash Transfer Register b) Cash Receipts Delivery Register
c) Cash Officers Jotting Book d) Cash Transaction Register
29. What type of insurance cover is obtained for Cash Remittances?
a) Comprehensive insurance cover b) Fidelity Insurance cover
c) Transit Insurance cover d) None of these
30. As per the latest instructions of the RBI, FIR has to be lodged in case of Fake
Currency notes, if the no. of notes is ?
a) 4 b) 5 or more
c) 3 d) 2
31. Days net Withdrawal/ Deposit to reported to FSLO through ?
a) ICCOMS b) IFAMS
c) Fax d) email
32. Verification of Currency Chest balances by officials other than Joint custodian is
done at___________ intervals ?
a) Once in a month b) Once in 2 months
c) No periodicity stipulated d) Once in a quarter
33. Surprise verification of Critical Currency Chests is made by LHO at ?
a) Monthly Interval b) Quarterly Interval
c) Half Yearly Interval d) No periodicity stipulated
34. Which of the following is true when remittance is sent from one currency chest
to another currency chest ?
a) Branch Cash Balance is credited b) Branch Cash Balance is debited
and RBIs Account is debited and RBIs Account is credited
c) No Entry is passed d) None of these
35. Charges towards police escorts, transport etc. for chest to chest remittances of
treasure is ?
a) Borne by Bank b) Paid by RBI
c) Paid initially by Bank, then d) None of these
reimbursed by RBI
36. Repository is part of ?
a) Branch Cash Balance b) Currency Chest
c) Small Coin Depot d) None of these
37. Printing & Circulation of forged Indian currency notes is an offence u/s ?
a) Sec 292 of Criminal Procedure b) Sec 489A to 489E of Indian Penal
Code Code
c) Both d) None
38. Forged Note Vigilance Cell (FNVC) of the bank is required to submit data on
counterfeit notes detected during a month on all India basis by email to
____before the end of succeeding month.
a) RBI Issue Office b) FIU-IND, New Delhi
c) National Crime Records Bureau, d) Currency Management Dept. of
New Delhi RBI, Mumbai
39. Fidelity insurance cover for single window operator is obtained for ?
a) Rs 1 Lakh b) Rs 2 Lakh
c) Rs 5 lakh d) Rs 8 Lakh
51. How many angular bleed lines in 2000/- note in left and right hand site in raised
print?
a) 7 b) 5
c) 6 d) 4
52 The Controller of the branches will arrange for periodical cash verification of
Hand Balance Branches ____ ?
a) at half yearly interval by the b) By the Branch Manager of the
Branch Managers of nearby Branch
branches
c) No need for verification d) None of the above
53 The coverage of cash-in transit insurance will be limited to _____?
a) The cash retention limit of the b) Upto 50,00,000/-
branch.
c) Upto 49,00,000/- d) None of the above
54. What is Shrink Wrapping in Cash Department ?
a) While sending soiled remittance b) While sending soiled remittance
to RBI Wrapping 1000 pieces in to RBI packing 10 packets of 100
a bundle instead of packing 10 pieces in a bundle
packets of 100 pieces in a
bundle
c) Both a) and b) d) None of the above
55 While sending Soiled Note Remittance to RBI, remittance should sent in
multiples of ________?
a) Rs.100000/- b) Rs.50000/-
c) Rs.500/- d) None of the above
56 The counterfeit bank notes cannot be impounded by-------------
a) All PSBs b) All Treasuries and Sub-treasuries
c) All NBFCs d) All Co-operative banks & RRBs
57 Cash shortage up to which is made good by the employee same day and if
there is no suspicion of fraud, it need not be reported as fraud.
a) Rs.1,000/- b) Rs.5,000/-
c) Rs.10,000/- d) None of these
58 In order to keep FCN(Foreign Currency Notes) at optimum level, branches are
advised to handover the FCNs to ........
a) Overseas Branch at monthly b) M/s Thomas Cook India
intervals Limited(TCIL) at regular interval
c) Reserve Bank of India d) Need not to hand over FCNs, to
be retained at branch
59 The BGL A/c No.98903 in CBS is
a) Branch Cash Balance A/c b) Teller Cash Balance A/c
c) Currency Transfer A/c d) Bin Balance A/c
ANSWERS
1. b 2. c 3. a 4. c 5. c 6. c 7. c 8. d 9. b 10. b
11. b 12. c 13. c 14. c 15. a 16. a 17. c 18. b 19. a 20. a
21. c 22. c 23. b 24. a 25. c 26. b 27. b 28. b 29. c 30. b
31. b 32. b 33. b 34. c 35. c 36. b 37. b 38. d 39. c 40. b
41. b 42. a 43. c 44. c 45. a 46. c 47. c 48. a 49. a 50. a
61 c 62 d 63 c 64 c 65 b 66 b 67 d 68 c 69 B 70 A
71 a 72 b 73 a 74 b 75 a
GOVERNMENT BUSINESS
8 Maximum amount that can be deposited in a PPF account during financial year
(a) Rs.50000 (b) Rs.70000
(c) Rs.150000 (d) None of the above
9 How many installments in a financial year are allowed for depositing amounts in
PPF account
(a) 5 (b) 9
(c) 12 (d) None of these
11 What is the maximum period for which a PPF account can be opened
(a) 5 years (b) 10 years
(c) 15 years (d) None of the above
12 Who are eligible to open accounts under Senior Citizen Saving Scheme 2004
(a) An individual who has attained (b) Who has attained the age of 55
the age of 60 years and above years or more but less than 60
on the date of opening of an years and who has retired on
account superannuation or otherwise on
the date of opening the account
(c) Both a & b (d) None of the above
13 Min and Maximum amount that can be accepted under Senior Citizen Savings
Scheme 2004
(a) Min Rs.1000 and Max Rs.15 (b) Min Rs.10000 and Max Rs.15
lacs lacs
(c) Any amount can deposited (d) None of the above
14 What is the maximum amount of deposit that can be accepted in cash under
Senior Citizen Savings Scheme 2004
(a) 100000 (b) 500000
(c) 1500000 (d) No cash is accepted
15 Deposits under Senior Citizen Savings Scheme 2004 is accepted for a
maximum period of
(a) 3 years (b) 5 years
(c) 5 years and extension by 3 (d) None of the above
more years
16 What is the time limit within which Govt Transactions are to be settled with Govt
of India
(a) T+3 working days where (b) T+5 working days where Dealing
Dealing Branch and FPLB are Branch and FPLB are different
at the same centre centres
(c) Both a & b are true (d) None of these
17 CBDT transactions to be settled within
(a) T+3 working days irrespective (b) T+5 working days
of location
(c) T+1 working day (d) None of the above
18 All Govt Transactions through e-mode to be settled within
(a) T+1 day (b) T+3 days
(c) T+5 days (d) None of the above
19 Penalty rate for delay in settlement of Govt Transactions beyond permitted
period is
(a) At Bank Rate (b) Bank Rate+1%
(c) Bank Rate + 2% (d) None of the above
20 What is the expansion of EASIEST
(a) Electronic Accounting System (b) Electronic Accounting Standards
in Excise and Service Tax in Excise and Service Tax
(c) Eectronical Accounts Services (d) None of the above
in Excise and Sales Tax
24 Which of the following are not true with regard to e-Focal Point Link branches
(a) e-FPB for CBDT Bangalore (b) e-FPB for Central Excise World
Main Branch University Service Centre Branch,
Chennai
(c) e-FPB for Service Tax Fort (d) None of these
Market Branch, Mumbai
25 Which of the following statements are not true in case of CBDT Transactions
(a) CIN will be generated for each (b) CIN consist of BSR code, Date
credit transaction and serial number of challan
(c) Quoting PAN/TAN mandatory (d) None of these
in challans
26 Issue of Bankers Cheques at the request of Government Departments convered
under RBI Remittance facility Scheme
(a) Yes, Exchange need not be (b) No, not covered under RBI
collected Remittance facility Scheme,
hence exchange to be collected
27 Expand GBSS?
(a) Government Business (b) Government Business Software
Software Solutions System
(c) Government Business System (d) Government Banking Software
Software Solutions
28 Certified copy of Datewise Monthly Statement (DMS) is called
(a) Verified Datewise Monthly (b) Valued Datewise Monthly
Statement (VDMS) Statement
(c) Certified Datewise Monthly (d) None of the above
Statement (CDMS)
29 While transferring PPF account from one branch to the other what to be done
regarding the Accured Interest on the PPF A/c ?
(a) A separate Draft has to be sent (b) Advise the Accured interest to the
to the other branch other branch so as to incorporate
the same in CBS.
(c) A/c can be transferred as if it is (d) None of these
a normal Deposit account in
CBS.
30 The time frame for crediting the pension/ family after despatch of New PPO ?
(a) Within 5 days (b) With in a week
(c) Within a fortnight (d) At the month end
31 Interest paid on PPF Account on ?
(a) 31 January (b) On 31St March
(c) 31 December (d) None of the above
(a) VAT and Service Tax (b) VAT ,Service Tax and Central
Excise
(c) VAT, Service Tax, Central (d) VAT only
Excise and Income Tax
59 Due date for quarterly uploading of 15G/15H in respect of quarter ending June
is (Ist quarter)
(a) 15th july (b) 5th July
st
(c) 31 July (d) 7th July
60 Due date for quarterly uploading of 15G/15H in respect of quarter ending
December is (3rd quarter)
(a) 15th January (b) 5th January
(c) 31st January (d) 7th January
61 TDS Deduction certificate Form 16A is for?
(a) Deduction in respect of (b) Deduction in respect of other than
Salaries salary
(c) Both a and B are correct (d) None of the above
62 Sukanya Samriddhi Account is for GirlS below Yrs.
(a) 2 Yrs (b) 10 Yrs.
(c) 3 Yrs (d) 5 Yrs.
63 Minimum & Maximum contributions in Sukanya Samriddhi Account per year is
(a) 100 & 150000 (b) 1000 & 100000
(c) 1000& 150000 (d) 2500 & 250000
64 CIN stands for
(a) Challan Inquiry Number (b) Challan Identification Number
(c) Challan Information Number (d) Challan Identify Number
65 Minimum & Maximum contributions in Sukanya Samriddhi Account per financial
year is
(a) 100 & 150000 (b) 1000 & 100000
(c) 500 & 150000 (d) 1000& 150000
66 Deposits in Sukanya Samridhi Account can be made till the completion of
period of _______Years from the date opening of such account.
(a) 12 Years (b) 15 Years
(c) 18 Years (d) 10 Years
70 Withdrawal in Sukanya Samridhi Account is permitted only after the girl child
attains the age of ______or has passed _____standard whichever is earlier.
(a) 18 years or 8th standard (b) 18 years or 10th standard
(c) 18 years or 7th standard (d) 18 years or Graduation
71 No interest is payable once the Sukanya Samridhi Account has complets _____
Years from the date of its opening
(a) 18 (b) 15
(c) 21 (d) 20
72 The minimum and maximum purchase of gold in Sovereign Gold Bond Scheme
per person is?
(a) 2 grams & 500 grams (b) 5 grams & 500 grams
(c) 1 gram & 500 grams (d) 2 grams & 100 grams
73 Payment and Processing of Staff pensions are at?
(a) Centralised Staff Pension (b) HRMS
Processing Cell
(c) Branches (d) CPPC
74 Pensioners help line number ____________should be displayed prominently in
. the Banking hall.
(a) 1800112211 (b) 1800110009
(c) 1800000000 (d) 1800111111
75 Compensation in respect of delay in crediting the pension by the pension
payment branches is _______
(a) Savings Bank rate (b) 18% fixed
(c) TDR rate (d) 8% fixed
76 The interest payable on Sovereign Gold Bond Scheme is on ____basis?
(a) Quarterly (b) Half yearly
(c) Annually (d) Monthly
77 The tenure of Sovereign Gold Bond Scheme is
(a) 5 years (b) 3 years
(c) 8 years (d) 10 years
78 Premature closure in case of minor PPF accounts managed by guardians can
be considered with a penalty clause of ______
(a) 1% less on the interest rate (b) 2% less on the interest rate
applicable on PPF applicable on PPF
(c) 1.5% less on the interest rate (d) No premature closure allowed.
applicable on PPF
79 Jeevan Pramaan is a
(a) SBI Life policy (b) Digital Life Certificate for
pensioners
(c) SBI General policy (d) Savings Bank variant
ANSWERS
1 c 2 c 3 b 4 b 5 b 6 b 7 a 8 c 9 c 10 c
11 c 12 c 13 a 14 a 15 c 16 c 17 a 18 a 19 c 20 a
21 a 22 c 23 b 24 d 25 d 26 b 27 a 28 a 29 c 30 b
31 b 32 a 33 b 34 b 35 c 36 b 37 c 38 b 39 a 40 d
41 c 42 a 43 c 44 c 45 a 46 d 47 d 48 b 49 c 50 a
51 d 52 b 53 a 54 d 55 a 56 a 57 a 58 b 59 c 60 c
61 b 62 b 63 c 64 b 65 d 66 b 67 a 68 b 69 d 70 b
71 c 72 c 73 b 74 b 75 d 76 b 77 c 78 a 79 b 80 a
81 b 82 a 83 d 84 b 85 b 86 a 87 c 88 b 89 b 90 c
ANSWERS
1 B 2 A 3 c 4 B 5 A
6 B 7 B 8 A 9 B 10 D
11 B 12 B 13 C
11 Prudential exposure limits for single and group borrowers other than infrastructure
projects is:-
a) 15% of the capital (Tier I and Tier II b) 25% for individual borrowers and 50%
Capital) of the Bank for single and for group of borrowers
40% for the group of borrowers
c) 20% of the capital of the Bank for d) None of the above
individual and 50% for the group of
borrowers
12 What constitutes exposure?
a) Includes both FB and NFB limits b) Loans and advances sanctioned to the
sanctioned to the borrowers borrowers
c) Includes FB and NFB facilities, d) all of the above
investments, underwriting and any
other commitment
13 What are the substantial exposure norms for single borrower specified by our Bank?
a) 15% of the Tire I and Tire II capital b) 7.5% of the Tire I and Tire II capital of
of the Bank the Bank.
c) Rs. 20 crores d) None of the above.
14 What are the prudential exposure norms for non-corporate and non-individual
borrowers?
a) Rs.80 crores b) 100 crores
c) Rs. 50 crores d) 25 crores
15 What is the loan policy guideline of the Bank in respect of maturity of loans (inclusive of
gestation period)?
a) 10 years b) 5 years
c) 7 years d) 8 years
16 What is the indicative bench mark of the Bank in respect of Current Ratio for
Manufacturing units?
a) 1.25 b) 1.50
c) 1 d) 1.33
17 To assess the financial soundness of the unit, what is the reasonable TOL/TNW
prescribed by the Bank for Trade and Service Units?
a) 2:1 b) 5:1
c) 4:1 d) 3:1
18 What is the indicative Net Debt Service Coverage Ratio prescribed by the Bank?
a) 3:1 b) 1.75:1
c) 2:1 d) 1.50:1
19 What is the indicative Gross Debt Service Coverage Ratio prescribed by the Bank?
a) 3:1 b) 1.75:1
c) 2:1 d) 1.50:1
20 What is the indicative Debt Equity Gearing prescribed by the Bank for Trade & Service
Units?
a) 1.50 : 1 b) 2.25: 1
c) 1.75:1 d) 2: 1
21 Selective Credit Control directives issued by RBI will not cover the following aspects of
advances
a) monetary ceiling per borrower b) Interest rate on advances
c) overall ceiling for the Bank as a d) Margin on advances
31 Demand Bills purchased and received at the realization branch are called:-
a) Demand Bills Received for b) Local Short Credits
Realization
c) Bank Bills Receivable d) none the above
32 What do you mean by Documentary Bill?
a) Bills drawn on stamped paper, by b) Bills supported by documents
Document Writers
c) Where the bills are supported by d) Where the bills are not supported by
RRs, LRs or BoL which are documents of title to goods
otherwise known as documents of
title to goods
33 What do you mean by Supply Bills?
a) Bills arising on account of supply of b) Bills submitted by the Suppliers for
goods to Government collection
c) Bills sent by various traders for the d) None of the above
supply of stationery / furniture etc.
to the Bank
34 In case of BGs issued on behalf of partnership firm the counter guarantee must be
signed by
a) at least two partners of the firm b) all the partners of the firm
c) Managing Partner of the firm d) Managing Partner and another partner
35 What are the main statements used for analysis of Financial Statements
a) Balance Sheet b) Balance Sheet and Profit & Loss
Account
c) Balance Sheet , Profit & Loss d) Balance Sheet, Profit & Loss Account,
Account and Funds Flow Funds Flow Statement and Cash Flow
Statement statement
36 Which one of the following is not a Current Liability?
a) Income tax dues payable b) Term Loan installments payable within
a year
c) salaries / rents / wages payable d) Long Term Deposits obtained to supply
goods on credit
37 What do you mean by PBDIT?
a) Profit before depreciation, interest b) Profit before discount, interest and
and taxes taxes
c) Net Profit d) Operational profit
38 What do you mean by Net Working Capital?
a) Total working capital required by b) Liquid surplus (i.e. CA CL)
the unit
c) Working capital limits sanctioned by d) Margin of working capital brought in by
the Bank the borrowing unit
39 What do you mean by TNW?
a) Fixed Assets Long Term b) Total Capital of the unit
Liabilities
c) Capital + free reserves intangible d) None of the above
assets
40 Which one of these ratios is not a Liquidity ratio?
a) Acid Test Ratio (CA- b) TOL / TNW (Total Outside
Stocks/Inventory/(CL-Bank Liabilities/Tangible Net Worth)
Borrowings)
c) Current Ratio (Current Assets d) Quick Ratio (Current Assets-Stocks or
/Current Liabilities) Inventory/Current Liabilities)
41 Which one of these ratios is not a Operating Ratio?
a) Inventory Turnover Ratio(Net Sales b) Gross Profit Margin Ratio(Gross
/ Inventory) Profit/Total Sales x 100)
c) Average collection period d) Assets Turnover Ratio(Net Sales / Total
days/months(Sundry Debtors/Credit Assets)
Sales X 365)
42 Which one of these ratios is not a Profitability Ratio?
a) Gross Profit Margin Ratio b) Return on Capital Employed
(PBDIT/Total Assets)
c) Net Profit Margin Ratio(Net Profit / d) TOL/TNW
Total Assets x 100)
43 Which one of these ratios is not a Coverage Ratio?
a) Debt Service Coverage Ratio b) Gross DSCR (PAT+Dep.+ Interest /
(PAT+Depreciation /instalments) Instalments + Interest)
c) Interest Coverage ratio d) TOL/TNW
(PBDIT/Interest)
44 Which one of these ratios is not a leverage ratio?
a) Debit / Equity Ratio (Term b) Assets Turnover ratio (Sales / Total
Liabilities/ TNW) Assets)
c) TOL/TNW d) None of the above
45 What is a healthy practice in funds flows?
a) long term deficit must be met from b) long term deficit must be met from long
short term sources term sources
c) short term deficit must be met from d) short term deficit must be met from
long term sources short term sources
46 Break-even analysis is useful to find out
a) Break-even Fixed Assets b) Break-even sales
c) Break-even staff strength d) None of these
47 Sensitivity analysis does not study the impact of profits on account of changes in the
following:-
a) Volume of sales b) Price of Product
c) Costs of production d) Volume of production
48 What do you mean by contribution?
a) Fixed Cost Variable Cost b) Variable Cost Fixed Cost
c) Sales Price Variable Cost d) Sales Price Fixed Cost
49 Under New CRA, both borrower rating and facility rating is required under
a) Simplified Regular b) Regular Model
c) Simplified Model d) None of these
50 We have to prepare both Borrower wise and Facility wise rating for Customers whose
FB+NFB Requirements are above
a) Rs.50 lacs b) Rs.2 crores
c) Rs.25 lacs d) Rs.5 crores
51 As per the Basel II norms, the Credit Conversion Factor for Documentary LCs is
a) 20% b) 25%
c) 50% d) 100%
52 Benchmark levels for Current Ratio for other than Manufacturing units with FBWC
limits < Rs. 5 crores is (as per loan policy)
a) 1.30 b) 1.00
c) 1.20 d) 1.33
53 Cost of Sales is
a) Cost of Production + Selling, b) Cost of Production - Non Operating
General & Administration Exp Expenses
c) Cost of Production + Op Stock of d) Cost of Production + Op. St. of FG - Cl.
SIP - Cl Stock of SIP St. of FG
54 While analyzing Balance Sheet , Deferred Tax Assets are classified as
a) Current Assets b) Non Current Assets
c) Fixed Assets d) Intangible Assets
55 Benchmark levels for Project Debt Equity as per loan policy is
a) 3:1 b) 4:1
c) 1:1 d) 2:1
56 Substantial Exposure is reckoned as ------ % of Bank's Capital Funds for a Group of
borrowers
a) 5.00 b) 10.00
c) 2.5 d) 15.00
57 Cash Flow Statement classifies cash flows from these activities
a) Operating, Accounting & Financing b) Financing & Investing
c) Operating & Investing d) Operating, Investing & Financing
58 To ensure 'End Use of Funds', the best tool is
a) Cash Flow Statement b) Operating Statement
c) Cash Budget d) Funds Flow Statement
59 While analyzing Balance Sheet, Software related CAPEX is classified as
a) Current Assets b) Intangible Assets
c) Fixed Assets d) Non Current Assets
60 While analyzing Balance Sheet , Advances paid to suppliers of raw materials' is
classified as
a) Non Current Assets b) Intangible Assets
c) Fixed Assets d) Current Assets
61 While analyzing Balance Sheet , 'Advances to suppliers of Capital Goods' is classified
as
a) Current Assets b) Intangible Assets
c) Fixed Assets d) Non Current Assets
62 Receivables to Gross Sales falls in category of
a) Liquidity ratios b) Solvency ratios
c) Turnover ratios d) Coverage ratios
63 Current Ratio benchmarks for 'trade' are
a) 1 for limit upto Rs.1 crore and 1.20 b) 1.20 for limit upto Rs 5 crore and 1.33
thereafter thereafter
c) 1 for limit upto Rs.5 crore and 1.20 d) 1 for limit upto Rs.2 crore and 1.20
thereafter thereafter
64 FFR II pertains to
a) Projections for next quarter b) P&L Funds flow of the next half year
c) P&L Funds flow of the previous half d) Projections of next half year
year
65 While analyzing Balance Sheet , 'Term Loan installments falling due in _______' are
classified as Current Liabilities
a) within next 6 months b) within next 9 months
c) within next 3months d) within next 12 months
Prudential Exposure limit for single and group borrowers including infrastructure
77
projects is -- & --% capital of the bank
a) 20% & 40% b) 15% & 40%
c) 20% & 50% d) 10% & 20%
At whole bank level, the non-fund exposure will not exceed ------ the level of fund
78 based
exposure.
a) 2 times b) 3 times
c) 4 times d) 5 times
Which of the following does not fall under Infrastructure Lendings extended by
79
lenders to the borrowers
a) Transport b) Energy, Water & Sanitation
c) Communication d) None of these
Banks exposure to leasing, Hire purchase and Factoring Services should not exceed
80
_% of total advances
a) 10% b) 5%
c) 15% d) 20%
81 Which committee recommended factoring in India
a) Kalyana Sundaram Committee b) Narasimham Committee
c) Nayak Committee d) None of these
How many types of deviations are being monitored by OTMS, web-based solution
82 based on the requirements of OMS (Off-site monitoring Systems) at I & MA,
Hyderabad
a) 11 b) 12
c) 10 D 15
As per RBI guidelines, What is the time period for opening current accounts of
83 borrowers enjoying credit facilities (FB + NFB) , by Non-Lending banks if NOC from
Lending banks is not received?
a) If NOC is not obtained within a b) If NOC is not obtained within a month
fortnight
c) If NOC is not obtained within a d) If NOC is not obtained within 3 months
week
ESR (Early Sanction Review) mechanism was introduced in audit system since
84
September 2014 to review sanctions of
a) Above 5 crores b) Above 10 crores
c) Only units enjoying NFB Limits d) Sanctions of more than 1 cr upto 5 crs
85 Which of these is not the objective of ESR mechanism
a) To capture the critical risks in the b) Improve the quality of pre-sanction/
proposals sanctioned, as an early sanction processes
stage and apprise the controllers of
such risks for mitigation thereof at
the earliest.
c) Improve the quality of loan d) For financing units above 1 crores to 5
proposals crores
ANSWERS
1 b 2 c 3 a 4 b 5 d 6 c 7 a 8 a 9 d 10 b
11 a 12 d 13 b 14 b 15 a 16 d 17 b 18 c 19 b 20 d
21 b 22 d 23 c 24 c 25 a 26 d 27 d 28 c 29 c 30 c
31 a 32 c 33 a 34 b 35 d 36 d 37 a 38 b 39 c 40 b
41 b 42 d 43 d 44 b 45 c 46 b 47 d 48 c 49 b 50 d
51 a 52 c 53 d 54 d 55 d 56 d 57 d 58 d 59 b 60 d
61 d 62 c 63 c 64 c 65 d 66 a 67 c 68 b 69 c 70 d
71 a 72 b 73 a 74 d 75 b 76 c 77 c 78 a 79 d 80 a
81 a 82 a 83 a 84 d 85 d
SME ADVANCES
having investment in equipment above Rs.2.00 lakhs and upto Rs.10.00 lakhs
a) 40% b) 20%
c) 50% d) 35%
8. As per Prime Ministers task force on MSMEs (Micro, small and medium
enterprises), the credit growth rate recommended for this sector is
a) 25% b) 10%
c) 15% d) 20%
9. As per Prime Ministers task force on MSMEs (Micro, Small and medium
enterprises), the no of accounts growth rate recommended for this sector is
a) 10% b) 15%
c) 17% d) 12%
All manufacturing units defined in MSMED Act, 2006 when engaged in exports
10
are classified as priority sector advances
a) No, Only micro and small b) No, only micro manufacturing units
manufacturing units fall under the fall under the category of priority
category of priority sector sector
c) No, only small manufacturing units d) Yes, all units fall under the category
fall under the category of priority of priority sector
sector
Advances to manufacturing units which are classified as medium enterprises
11
under MSMED Act, 2006 fall under the category of
a) Priority sector advances b) Non-priority sector C&I advances
c) Priority sector C& I advances d) Indirect priority sector advances
12 As per recent RBI guidelines
a) No collateral should be accepted b) No collateral should be accepted for
for all MSE sector manufacturing all MSE sector service enterprise
loans up to Rs.10.00 lakhs loans up to Rs.5.00 lakhs
c) No collateral should be accepted d) No collateral should be accepted for
for all MSE sector manufacturing & all MSE sector manufacturing and
services sector loans up to Rs.5.00 service sector loans up to Rs.10.00
lakhs lakhs
13 As per SME documentation SME-4 represents
a) Supplemental Agreement of loan b) Agreement of loan cum
cum Hypothecation Hypothecation
c) Letter of furnishing the particulars d) None of these
of assets
14 Which of the following with SME -2 is incorrect
a) It is a both principle and charging b) Covers both fund based and non
document fund based facilities
c) Contains two schedules A & B d) Creates Pledge on movable assets
15 With regard to SME 3 which of the following is incorrect
a) Stamped as an agreement + Power b) Covers all types of guarantees like
of attorney personal guarantee, Third party
Guarantee and Corporate
guarantee
c) Fresh SME 3 to be obtained for d) It has supplemental guarantee
enhanced aggregate limit agreement for enhanced limit
ANSWERS
1. c 2. a 3. c 4. c 5. a 6. c 7. b 8. d 9. a 10. a
11. b 12. c 13. a 14. d 15. d 16. d 17. c 18. d 19. d 20. a
21. c 22. c 23. a 24. a 25. d
6. What percent of annual turn over can be financed as working capital under SME
Smart Score for a manufacturing unit?
a) 20% b) 15%
c) 25% d) 30%
7. What percent of annual turn over can be financed as working capital under SME
Smart Score for an unit dealing in Trade & Services?
a) 25% b) 15%
c) 20% d) 30%
8. The maximum repayment period that can be allowed for a term loan under SME
Smart Score?
a) 5 years excluding moratorium of 6 b) 5 years including moratorium of 6
months months
c) 7 years including moratorium of 6 d) 7 years excluding moratorium of 6
months months
9. The age criteria stipulated for the promoter/ applicant to avail a loan under SME
Smart Score is___________.
a) Min 21 Yrs- Max 65 Yrs. b) Min 21 Yrs- Max 70 Yrs.
c) Min 18 Yrs- Max 65 Yrs. d) Min 18 Yrs- Max 60 Yrs.
26. Who among the following is not eligible for finance under SME Credit Card?
a) Self employed with a credit b) Professionals with credit
requirement of Rs.10 Lacs requirement of Rs.8 Lacs
c) Village Industries with a credit d) SSI units with credit requirement of
requirement of Rs.7.5 Lacs Rs.15 Lacs
27. Which product do you suggest to a small manufacturer whose credit limit
requirement is Rs.25 Lacs and who wishes that the facility can be sanctioned for
a period of 2 years?
a) SME Credit Card b) Traders Easy Loan
c) SME Smart Score d) SME Credit Plus
28. The maximum amount of Loan that can be extended under Doctor Plus Scheme
is
a) Rs.1 Crore b) Rs.2 Crores
c) Rs.5 Crores d) Rs.10 Crores
29. Who among the following is eligible to avail finance under Doctor Plus scheme?
a) Partnerships, Individuals b) Corporates
c) Trusts with powers to borrow d) All the above
30. The minimum DSCR stipulated for loans under Doctor Plus is ________.
a) 1:1.5 b) 1:1.75
c) 1:1.15 d) 1:1.33
31. Which of the following is Correct with respect to Doctor Plus Scheme?
a) The loan can be sanctioned as b) The loan can be sanctioned as an
Medium Term Loan/Cash Credit Overdraft.
c) The loan can also be sanctioned as d) The loan can be sanctioned as a
Demand Loan. Medium Term Loan/Cash
Credit/Demand Loan/O.D.
32. Maximum Moratorium that can be allowed for loans sanctioned under Doctor Plus
is:
a) 6 months b) 12 months
c) 18 months d) Till the doctor's practice is stabilized
subject to a maximum of 18
months.
33. The maximum amount that can be sanctioned to an individual under Doctor Plus
scheme at Metro / Urban centres is:
a) Rs.10 Crores b) Rs.5 Crores
c) Rs.2 Crores d) Rs.1Crores
34. Which of the following is True under Doctor Plus Scheme?
a) The collateral security for loans b) The collateral security for loans for
above Rs.25 lacs and upto Rs.1 loans sanctioned to Micro & Small
Crore should be at least 25% of the Enterprises above Rs.1Crore
loan amount. Alternatively,eligible should be at least 25% of the loan
accounts may be covered under amount and also Personal
CGTMSE scheme. guarantee of the promoters.
c) The primary security will be d) all the above
hypothecation of Assets financed
35. Which of the following can be considered for finance under Doctor Plus scheme?
a) Setting up clinic and Purchase of b) Expansion/renovation etc.
Ambulance
46. Can a Computer training institution be extended finance under School Plus?
a) Yes b) No.
c) No. They can be considered under d) Yes subject to collateral coverage
regular CRA model or mortgage of 75%.
loan only.
a) For Loans below Rs.25 Lacs, b) For Loans above Rs.25 Lacs and
preliminary screening will be as per upto Rs.1 Crore, Simplified CRA
SME Smart Score scoring model. will be applicable.
c) WC is to be renewed every two d) All the above
years and review will be annually.
56. Which of the following is True with respect to assessment of limits under SBI SME
CFL?
a) The Working capital eligibility for b) The working capital eligibility for
manufacturing units, would be 20% service enterprises would be 15%
of projected turn over & the of projected revenue and for term
eligibility for Term Loans is 75% of loans it is 75% of the project cost.
the project cost.
c) Maximum amount of finance is d) All the above.
Rs.1 Crore and loans upto Rs.5
Lacs have to be covered under
"SBI Micro Loans".
57. The one time guarantee fee payable to CGTMSE would be in the range of ___.
a) 0.75 to 1.00 b) 0.50 to 2.00
c) 0.75 to 2.00 d) 0.50 to 1.50
58. The upfront guarantee fee payable to CGTMSE for loans upto Rs.5 lacs is____.
a) 0.75 b) 1.00
c) 1.50 d) No fee
59. The upfront guarantee fee payable to CGTMSE for loans above Rs.5 lacs and
upto Rs.100 Lacs is____.
a) 0.50 b) 1.00
c) 0.75 d) 1.50
60. The upfront guarantee fee payable to CGTMSE for loans upto Rs.5 lacs in North
East region is ______.
a) 1.00 b) 1.50
c) 0.75 d) 0.50
61. The upfront guarantee fee payable to CGTMSE for loans above Rs.5 lacs and
upto Rs.50 Lacs in North East region is ______.
a) 0.85 b) 2.00
c) 1.00 d) Fee waived for NE region
62. The upfront guarantee fee payable to CGTMSE for loans above Rs.50 lacs and
upto Rs.100 Lacs in North East region is ______.
a) 0.85 b) 1.00
c) 2.00 d) Fee waived for NE region
63. The annual fee payable to CGTMSE on loans above Rs.50 Lacs and upto Rs.1
Crore is_______.
a) 1.00 b) 0.75
c) 1.50 d) 0.50
64. The annual fee payable to CGTMSE on loans above Rs.5 Lacs and upto Rs.50
Lacs is_______.
a) 0.75 b) 1.00
c) 0.50 d) Waived
65. The CGTMSE trust shall pay 75% of the guaranteed amount on preferring of
eligible claim by the lending institution, within ___ days. Subject to the claim being
otherwise found in order and complete in all respects.
a) 30 b) 60
c) 90 d) 45
66. The annual fee for the credit facilities sanctioned as on March31st should be paid
to CGTMSE on or before ________.
a) 30th April b) 30th September
c) 31st May d) 30th June
67. Which of the following is NOT true with respect to CGTMSE?
a) The credit facilities sanctioned to b) The guarantee cover will be for a
Self Help Groups cannot be period of 5 years where only
covered under the scheme. working capital facilities are
sanctioned, subject to payment of
annual service fee.
c) Small road and water transport d) Existing borrowers who have
loans are also eligible for already availed finance cannot be
guarantee cover. covered under the scheme.
68. The maximum amount of loan that can be sanctioned under SBI Micro Loan is__.
a) Rs.10 Lacs b) Rs.25 Lacs
c) Rs.5 Lacs d) Rs.50 Lacs
69. The demand loan sanctioned under SBI Micro Loan is repayable within _____.
a) 1 year b) 5 years
c) 3 years d) No demand loan is sanctioned
70. SME-1, is obtained for
a) Letter of Arrangement b) Agreement of Loan Cum
Hypothecation
c) Guarantee Agreement d) Link Letter
71. SME-2, is obtained for,
a) Agreement of Loan Cum b) Letter of Arrangement
Hypothecation.
c) Link Letter d) Guarantee Agreeement.
72. SME-3, is obtained for,
a) Letter of Arrangement b) Agreement of Loan Cum
Hypothecation
c) Guarantee Agreement d) Link Letter
73. SME-12, is obtained for,
a) Letter of Arrangement b) Link Letter
c) Guarantee Agreement d) Revival Letter
74. SME-11, is obtained for,
a) Link Letter b) Agreement for Hypothecation
c) Revival Letter d) Guarantee Agreement
75. Under SME Credit Plus, ____% of aggregate working capital limit subject to a
maximum of Rs.25 Lacs can be sanctioned.
a) 10% b) 20%
c) 25% d) 15%
76. The maximum time period allowed for repayment of SME Credit Plus is _____.
a) 3 months b) 1 month
c) 6 months d) 2 months.
77. SME Credit Plus can be sanctioned for which of the following purposes?
a) tax payments b) repairs to machinery
99. The minimum & maximum amount of loan under CRE Asset Backed loan is
is_____.
a) Minimum Rs.10 Lacs, Maximum b) Rs.2 Lacs
Rs. 50 crores for Tier I branch,
Rs.20 crores for Tier II, Tier III
branches and Rs.5 crores for Tier
IV, V, VI Branch
c) Rs.5 Lacs d) No minimum is stipulated.
100. ECR is mandatory for CRE Asset backed loan for limits above
a) Rs.5 crores b) Rs.20 crores
c) Rs.10 crores d) None of these
ANSWERS
1. c 2. a 3. c 4. a 5. d 6. a 7. b 8. a 9. c 10. D
11. c 12 a 13. d 14. d 15. d 16. d 17. d 18. a 19. a 20. B
21. a 22 d 23. d 24. d 25. d 26. d 27. c 28. d 29. d 30. A
31. a 32 b 33. b 34. d 35. d 36. a 37. b 38. c 39. c 40. D
41. a 42 d 43. d 44. b 45. a 46. c 47. d 48. a 49. c 50. A
51. c 52 a 53. a 54. b 55. d 56. d 57. a 58. a 59. b 60. C
61. a 62 a 63. a 64. b 65. a 66. c 67. d 68. c 69. c 70. A
71. a 72 c 73. b 74. c 75. b 76. d 77. d 78. d 79. a 80. C
81. b 82. c 83. d 84. a 85. c 86. d 87. c 88. a 89. d 90. A
91. c 92. a 93. d 94. a 95. b 96. d 97 a 98. c 99. a 100. C