RECALLED QUESTIONS OBC PROMOTION EXAM SCALE I TO II 13.06.2015
1. Differed Payment Guarantee is : for payment which has been deferred or postponed.
2. Lien not applicable on: FDR
3. Target for weaker section loan are ____% of ANBC:10%
4. Basel III implementation:31.03.2019
5. As per Turnover of Rs.______ is , borrower is to be considered as Mid Corporate Borrower :Up to Rs.150.00 Crore
6. SIDBI provide venture capital fund for : Long Term
7. Mortgage is: A legal agreement that conveys the conditional right of ownership on an asset or property by its owner (the mortgagor) to a lender (the mortgagee) as security for a loan.
8. Safe custody of Articles comes under which act: Indian Contract Act
9. Loan to MSME without Collateral : Rs.10.00 Lac
10. CGTMSE set up by: Govt of India and SIDBI
11. CGTMSE cover eligible for amount upto:Rs.100.00 Lac
12. OD in PMJDY account upto: Rs.5,000/-
13. Post Harvest Loan against Pledge or Hypothecation of crop produce provided for____ months: Loan upto Rs.50.00 Lac period not extending 12 months
14. Debt Swap meaning: To extend finance to farmers for paying of loan taken from non institution lenders.
15. For Debt Swap purpose loan provided upto: 100% of debt is on account of cultivation or agri activity or with a max. Limit of Rs. 1.00 Lac
16. Shortfall in PS advance, target amount deposited in: RIDF
17. For Standing Instruction relation between bank and customers: Agent and Principal
18. If Garnishee Order without description received , what should be do: Full amount to be attached
19. Minimum deposit to open BSBDA a/c:NIL
20. If a businessman start a business with a Capital fund of Rs.3,000,000/- and withdraw Rs.25,000/- later. If Net Profit is Rs.1,20,000/- and Tax paid is Rs.20,000/-,what is the position of capital account at last: Rs.3,95,000/-
21. If long term sources =Rs. 16.00 Lac, Long Term uses = Rs.12.00 Lac, Total Assets = Rs.30.00 Lac, Calculate NWC: Rs.4.00 Lac
22. When animal rearing is done with regular farming it is called: Mixed Farming
23. Long duration corps are:12 months
24. Provision on secured Sub Standard Loan:15%
25. Maximum amount of Suit in Lok Adalat: Rs.20.00 Lac
26. Eligible Amount of suit in DRT: Rs.10.00 Lac & above
27. NPA are sold to : ARC
28. Time Limit for registration in CERSAI: 30 days (30days plus 30days condonation with payment of penalty).
29. How many banking ombudsman in India:15
30. Benefit of registration of a firm: Power of file case in court by firm against 3rd parties.
31. What is Certificate of Incorporation in term of Company: Filed the legal documents with the registrar of companies at their jurisdiction for registration of company.
32. Number of document required for opening of account of sole proprietorship firm: Two mandatory documents of proprietary concern
33. Full form of USSD: Unstructured Supplementary Service Data
34. Daily Maximum withdrawal limit of Rupay ATM card:Rs.25,000/-
35. For purpose of Priority Sector, construction of house based in Urban area where population above 20 Lac ,loan amount is ______ and House cost is______:Rs.28.00 Lac and Rs.35.00 Lac
36. Personal Accident cover and permanent disability insurance cover in PMJDY: Rs.1.00 Lac
37. Accrual Accounting means: that expenses and revenues are recorded in the period they occur, whether or not cash is involved. The benefit of the accrual approach is that financial statements reflect all the expenses associated with the reported revenues for an accounting period.
38. Current ratio indicate: Liquidity of the firm
39. Networking capital shows: CA-CL
40. Under LRS scheme any resident individual can remit abroad upto : $2,50,000 per person per year
41. FCNR account in OBC can be opened in how many currency: 6
42. Monthly report to Police in case of how many counterfeit notes: Detected up 4 piece in a single day, will be reported to police on monthly report on Annexure II
43. Maximum amount for Locker in form FDR: 3 years rent plus breaking charges of locker.
44. Maximum deposit under PPF a/c: Rs.1.50 Lac
45. Rate of Interest in Sukanya Samridhi Account: 9.20%
46. Interest paid by RBI on cash deposit by banks with RBI: NIL
47. Net Interest Income is Equal to: Interest received on assets − Interest payments on liabilities
48. Standby LC are like to: Bank Guarantee
49. Pledge is: Bailment of Goods
50. Protection to paying bank for materially altered instrument under section: 89
51. If Interest and Principal on maturity is Rs.20,000/- and above it will be paid in: Account
52. Differential rate of interest applied on deposit of : Rs.1.00 crore and above
53. When banks purchase Govt Security form RBI, it is called: Reverse Repo
54. Incorrect about RTI: Reason to be mentioned in RTI application
55. BC agent uses which machine: Biometric Machine
56. Under PMJDY our bank has tie up with which insurance company for life insurance: HDFC ERGO
57. Bharti Airtel tie up with which bank for set up a payment bank: Kotak Mahindra Bank
58. Minimum Networth for installing White Level ATMs by a company: Rs.100.00 crore
59. Premium under PMJJBY scheme: Rs.330/-
60. Premium under PMSBY scheme: Rs.12/-
61. Increase in hour in RTGS by RBI from 8:30 to: 8:00 AM
62. Charge of transaction above free transactions while using ATM Card in other bank’s ATM:Rs.20/-
63. Credit Guarantee Corpus for MUDRA Bank: Rs.20,000/- crore
64. Education Loan limit for abroad to be considered under Priority Sector: Upto Rs.10.00 Lac irrespective of sanctioned amount
65. Customer meeting to be hold at branch on which day of month: 15th of every month
66. Standard Score under CIBIL: 300 to 900
67. Which bank started technical channel and programme to educate its customer: ICICI Bank
68. Tax Incentive on Debit card to be implemented in PMJDY account ATM CARD also, presently in which country:
69. In how much month notice to Non-KYC compliant customer, after how much time account should be freeze: 3 months notice
70. OBC Parivar SB scheme, minimum combined balance: In Metro/Urban Rs.1.00 Lac, SU/Rural Rs.50,000/-
71. Maximum Lock in period for Tax saver FDR: 5 Years
72. RRBs and UCBs, to start TDS at source at interest of Rs.10,000/- or above from which date: 1st June 2015
73. Delay in disbursement of revised pension and arrears, compensation by bank: @8% fixed rate
74. Delay in RTGS/NEFT/NECS/ECS, compensation @: RBI LAF Repo Rate+2%
75. Cushion of ______ minutes to avoid any rejection in massage transmission on RTGS under revised timing: 15 Minutes
76. Bhartiya Mahila Bank is which type of bank: Public Sector Bank
77. Under PMJDY , time limit for reporting claim for accident insurance cover: Within 90 days of accident.
78. Two Legal Opinion in Housing Loan of amount more than: Rs.50.00 Lac
79. Newly opened account in how much time it should be reviewed: 6 Months
80. What is the age limit in PMSBY: 70 Years
81. Angular bleed line not present in which type of notes: Rs.50/-
82. Mandatory id Proof for DEMAT a/c: PAN Card
83. KYC review in every: 6 Months
84. Medium Risk customer KYC to be submitted: 8 Years
85. Low Risk customer KYC to be submitted: 10 Years
86. After death of account holder: POA signed cheque not to be passed
87. Full form of USB: Ultra Small Branch
88. PPF Lock in period: 15 Years
89. In Hypothecation: Both Possession and ownership with customer
1. Differed Payment Guarantee is : for payment which has been deferred or postponed.
2. Lien not applicable on: FDR
3. Target for weaker section loan are ____% of ANBC:10%
4. Basel III implementation:31.03.2019
5. As per Turnover of Rs.______ is , borrower is to be considered as Mid Corporate Borrower :Up to Rs.150.00 Crore
6. SIDBI provide venture capital fund for : Long Term
7. Mortgage is: A legal agreement that conveys the conditional right of ownership on an asset or property by its owner (the mortgagor) to a lender (the mortgagee) as security for a loan.
8. Safe custody of Articles comes under which act: Indian Contract Act
9. Loan to MSME without Collateral : Rs.10.00 Lac
10. CGTMSE set up by: Govt of India and SIDBI
11. CGTMSE cover eligible for amount upto:Rs.100.00 Lac
12. OD in PMJDY account upto: Rs.5,000/-
13. Post Harvest Loan against Pledge or Hypothecation of crop produce provided for____ months: Loan upto Rs.50.00 Lac period not extending 12 months
14. Debt Swap meaning: To extend finance to farmers for paying of loan taken from non institution lenders.
15. For Debt Swap purpose loan provided upto: 100% of debt is on account of cultivation or agri activity or with a max. Limit of Rs. 1.00 Lac
16. Shortfall in PS advance, target amount deposited in: RIDF
17. For Standing Instruction relation between bank and customers: Agent and Principal
18. If Garnishee Order without description received , what should be do: Full amount to be attached
19. Minimum deposit to open BSBDA a/c:NIL
20. If a businessman start a business with a Capital fund of Rs.3,000,000/- and withdraw Rs.25,000/- later. If Net Profit is Rs.1,20,000/- and Tax paid is Rs.20,000/-,what is the position of capital account at last: Rs.3,95,000/-
21. If long term sources =Rs. 16.00 Lac, Long Term uses = Rs.12.00 Lac, Total Assets = Rs.30.00 Lac, Calculate NWC: Rs.4.00 Lac
22. When animal rearing is done with regular farming it is called: Mixed Farming
23. Long duration corps are:12 months
24. Provision on secured Sub Standard Loan:15%
25. Maximum amount of Suit in Lok Adalat: Rs.20.00 Lac
26. Eligible Amount of suit in DRT: Rs.10.00 Lac & above
27. NPA are sold to : ARC
28. Time Limit for registration in CERSAI: 30 days (30days plus 30days condonation with payment of penalty).
29. How many banking ombudsman in India:15
30. Benefit of registration of a firm: Power of file case in court by firm against 3rd parties.
31. What is Certificate of Incorporation in term of Company: Filed the legal documents with the registrar of companies at their jurisdiction for registration of company.
32. Number of document required for opening of account of sole proprietorship firm: Two mandatory documents of proprietary concern
33. Full form of USSD: Unstructured Supplementary Service Data
34. Daily Maximum withdrawal limit of Rupay ATM card:Rs.25,000/-
35. For purpose of Priority Sector, construction of house based in Urban area where population above 20 Lac ,loan amount is ______ and House cost is______:Rs.28.00 Lac and Rs.35.00 Lac
36. Personal Accident cover and permanent disability insurance cover in PMJDY: Rs.1.00 Lac
37. Accrual Accounting means: that expenses and revenues are recorded in the period they occur, whether or not cash is involved. The benefit of the accrual approach is that financial statements reflect all the expenses associated with the reported revenues for an accounting period.
38. Current ratio indicate: Liquidity of the firm
39. Networking capital shows: CA-CL
40. Under LRS scheme any resident individual can remit abroad upto : $2,50,000 per person per year
41. FCNR account in OBC can be opened in how many currency: 6
42. Monthly report to Police in case of how many counterfeit notes: Detected up 4 piece in a single day, will be reported to police on monthly report on Annexure II
43. Maximum amount for Locker in form FDR: 3 years rent plus breaking charges of locker.
44. Maximum deposit under PPF a/c: Rs.1.50 Lac
45. Rate of Interest in Sukanya Samridhi Account: 9.20%
46. Interest paid by RBI on cash deposit by banks with RBI: NIL
47. Net Interest Income is Equal to: Interest received on assets − Interest payments on liabilities
48. Standby LC are like to: Bank Guarantee
49. Pledge is: Bailment of Goods
50. Protection to paying bank for materially altered instrument under section: 89
51. If Interest and Principal on maturity is Rs.20,000/- and above it will be paid in: Account
52. Differential rate of interest applied on deposit of : Rs.1.00 crore and above
53. When banks purchase Govt Security form RBI, it is called: Reverse Repo
54. Incorrect about RTI: Reason to be mentioned in RTI application
55. BC agent uses which machine: Biometric Machine
56. Under PMJDY our bank has tie up with which insurance company for life insurance: HDFC ERGO
57. Bharti Airtel tie up with which bank for set up a payment bank: Kotak Mahindra Bank
58. Minimum Networth for installing White Level ATMs by a company: Rs.100.00 crore
59. Premium under PMJJBY scheme: Rs.330/-
60. Premium under PMSBY scheme: Rs.12/-
61. Increase in hour in RTGS by RBI from 8:30 to: 8:00 AM
62. Charge of transaction above free transactions while using ATM Card in other bank’s ATM:Rs.20/-
63. Credit Guarantee Corpus for MUDRA Bank: Rs.20,000/- crore
64. Education Loan limit for abroad to be considered under Priority Sector: Upto Rs.10.00 Lac irrespective of sanctioned amount
65. Customer meeting to be hold at branch on which day of month: 15th of every month
66. Standard Score under CIBIL: 300 to 900
67. Which bank started technical channel and programme to educate its customer: ICICI Bank
68. Tax Incentive on Debit card to be implemented in PMJDY account ATM CARD also, presently in which country:
69. In how much month notice to Non-KYC compliant customer, after how much time account should be freeze: 3 months notice
70. OBC Parivar SB scheme, minimum combined balance: In Metro/Urban Rs.1.00 Lac, SU/Rural Rs.50,000/-
71. Maximum Lock in period for Tax saver FDR: 5 Years
72. RRBs and UCBs, to start TDS at source at interest of Rs.10,000/- or above from which date: 1st June 2015
73. Delay in disbursement of revised pension and arrears, compensation by bank: @8% fixed rate
74. Delay in RTGS/NEFT/NECS/ECS, compensation @: RBI LAF Repo Rate+2%
75. Cushion of ______ minutes to avoid any rejection in massage transmission on RTGS under revised timing: 15 Minutes
76. Bhartiya Mahila Bank is which type of bank: Public Sector Bank
77. Under PMJDY , time limit for reporting claim for accident insurance cover: Within 90 days of accident.
78. Two Legal Opinion in Housing Loan of amount more than: Rs.50.00 Lac
79. Newly opened account in how much time it should be reviewed: 6 Months
80. What is the age limit in PMSBY: 70 Years
81. Angular bleed line not present in which type of notes: Rs.50/-
82. Mandatory id Proof for DEMAT a/c: PAN Card
83. KYC review in every: 6 Months
84. Medium Risk customer KYC to be submitted: 8 Years
85. Low Risk customer KYC to be submitted: 10 Years
86. After death of account holder: POA signed cheque not to be passed
87. Full form of USB: Ultra Small Branch
88. PPF Lock in period: 15 Years
89. In Hypothecation: Both Possession and ownership with customer
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