Banking Awareness 30-09-2016.pdf

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Á‹tyÓ˛ Sukanya Samriddhi Yojana Account is for whom? BANKING KNOWLEDGE / FINANCIAL AWARENESS 1. E-Kuber is related to which of the following? a) Reserve Bank of India's Core Banking Solution (E-Kuber) system b) LIC c) IRDAI d) SEBI e) PFRDA 2. Which of the following is an easy way of providing credit to the farmer community? a) Kisan Credit Card b) Indira Vikas Patra c) National Savings Certificates d) Loan against diamonds e) None of these 3. Loans of small or very small amounts given to low income group people are known as ? a) investment loans b) Micro credit c) savings loans d) secured loans e) cash credit loans 4. Which of the following organisations/ banks has done a commendable work in the field of micro-finance and was awarded Nobel Prize also in the past? a) CRY b) Bangladesh Grameen Bank c) ASHA d) NABARD e) NHB 5. What is 'SWIFT' in banking terminology? a) A bird b) A worldwide financial messaging network which exchanges messages between banks and financial institutions c) Motherboard d) Microchip e) None 6. The 3x3x3 matrix refers to three sections of the society which need a greater focus, pitching of products based on three kinds of surpluses that people generate and the three types of institutions that have a central role to plan. Which of the following relating to this 3 x 3 x matrix in banking terminology? a) the small and marginal farmers, sharecroppers b) micro and small industries c) the low salary earner in the unorganized sectors d) All the above e) None of these 7. RBI took which initiatives, aimed at making available benefits of banking services to the masses? a) laying down priority sector lending requirements for banks b) Lead Bank Scheme, establishment of Regional Rural Banks (RRBs-1975-76) c) Service Area Approach (1989), Self-Help Group-Bank Linkage Programme (1989-90) d) setting up of Local Area Banks etc. e) All the above 8. The number of Basic Savings Bank Deposit Accounts (BSBDAs) have gone up from 73 million in March 2010 to how many as on March 31, 2016? Under the PMJDY alone, until June 1, 2016, 220 mn accounts have been opened with an approximate balance of Rs. 384 bn. a) 100 million b) 469 million c) 200 million d)215 million e) None

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9. Government of India nationalized the banking operations of few commercial banks in how many tranches? a) in two tranches i.e., in 1969 and 1980 b) one i.e., 1959 c) three d) five e) None of these 10. In which of the following declarations, "Poverty anywhere is a threat to prosperity everywhere" is announced? (The policy makers in India too i.e. Government of India and the RBI, had an early realisation about the implications of poverty for financial stability and have endeavored to ensure that poverty is tackled in all its manifestations and that the benefits of economic growth reaches the poor and excluded sections of the society.) a) UNO b) a profound ILO Declaration of Philadelphia (1944) c) WHO d) IAEA e) WTO

with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria, if any, of the bank. b) Can be issued without money balance c) Can be issued if DBT is allowed d) Can be issued if Aadhaar card is given e) None of these 16. What is special advantage of RuPay Debit Card? a) You can pay in US $ b) It provides accidental insurance cover upto Rs.1.00 lac without any charge to the customer. c) You can pay in Pounds d) You can pay in Yens e) None of these 17. What are the objectives of Crop Finance? a) The objective of the scheme is to meet genuine short term crop production credit requirements of farmers to enable them to undertake crop cultivation on modern lines

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BANK PO/ CLERKS EXAM SPECIAL 11. What is Financial Inclusion? a) free Money distribution b) It is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players c) Money printing d) Money offering e) None of these 12. Sukanya Samriddhi Yojana Account is for whom? Give details? a) Account can be opened in the name of a girl child till she attains the age of 10 years, however Government has stipulated a buffer time of 1 year. This means the girl child who has attained the age of 10 years 1 year prior to the announcement i.e. the girl child born between 2 December 2003 and 1 December 2004 can open Sukanya Samriddhi Account up to till 1 December 2015. b) Only fathers c) only mothers d) only grand parents e) None of these 13. Government of India has introduced Sukanya Samriddhi Account (SSA) under which campaign ? a) Clean India Green India b) 'Beti Bachao, Beti Padhao'. c) Sansad Adarsh Gram Yojana d) PMJDY e) None of these 14. IMPS is based on which of the following, at present? a) Mobile banking b) Post office banking c) Payments banks d) Small banks e) None of these 15. Whether Cheque Book can be issued in accounts opened under PMJDY (i.e., BSBDA)? a) In PMJDY accounts are being opened

so that they can increase their farm production and productivity level. b) Daughter's marriage can be performed c) Son's education expenditure can be met d) Medical expenses can be met e) None of these 18. Bank of India imported Gold Coins from whom? a) UK b) PAMP refinery (Switzerland) which is one of the most trusted and reputed Gold refinery in the world. c) USA d) Russia e) None of these 19. Who is NRI? Give details? a) Non-Resident Indian Means: A person resident outside India who is a citizen of India or a person of Indian origin b) Indian citizens who proceed abroad for employment or for carrying on any business or vocation or for any other purpose in circumstances indicating indefinite period of stay outside India. c) Indian citizens working abroad on assignments with Foreign Governments, Government Agencies or International / Multinational Agencies like United Nations Organization (UNO), International Monetary Fund (IMF), World Bank etc. d) Officials of Central and State Governmen ts and Public Sector Undertakings deputed abroad on assignments with Foreign Govern ment Agencies/Organisations or posted to their own offices including Indian Diploma tic Missions abroad and Students going abro ad for studying are now treated as Non-Resi dent Indians (NRIs) and are eligible for all the facilities available to NRIs under FEMA. e) All the above 20. To become a person of Indian origin (PIO) which of the following required ? a) She/ He, at any time, held an Indian passport or

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b) She/ He or either of her/his parents or any of her/his grand-parents was a citizen of India by virtue of Constitution of India or Citizenship Act 1955 (57of 1955) c) The person is a spouse of an Indian Citizen or a person referred to In (a) or (b) d) He/She should not be citizen of Bangladesh or Pakistan e) All the above NRI's can open an account by Inward remittances in any convertible currency from abroad by way of which of the following? a) Demand drafts b) SWIFT c) Star Insta-Remit d) Speed Remittance e) All the above Bank Finance can be considered for which of the following purposes, in agriculture? a) Purchase of hybrid/ improved seeds, fertilizers, manures, insecticides, pesticides, weedicides, etc. b) Hire charges of tractor and other farm machinery/ implements, wages of hired labour, irrigation charges/ cost of fuel or power for running pumpsets, etc. c) Advance for storing the harvested produce for sale. d) Advance for cultivation of commercial crops including horticulture and plantation crops and Finance for multiplication of hybrid/ high yielding varieties of seeds. e) All the above The Sovereign Gold Bonds will be sold through whom ? a) banks, Stock Holding Corporation of India Limited (SHCIL) b) designated post offices c) recognised stock exchanges viz., National Stock Exchange of India Limited and Bombay Stock Exchange d) All the above e) None of these In the abbreviation LEIL, the first letter L stands for what? a) Life b) Legal (LEIL: Legal Entity Identifier India Limited) c) Latest d) Level e) Licence The Financial Action Task Force (FATF) is an inter-governmental body established in which year by the Ministers of its Member jurisdictions ? a) 1989 b) 1971 c) 1935 d) 1969 e) 1980 NRLM now renamed as by which of the following, by restructuring and replacing the Swarnjayanti Gram Swarozgar Yojana (SGSY) scheme recently ? a) PMJDY b) Deen dayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) c) Clean India - Green India d) Swachh Bharat e) None of these

Praturi Potayya Sarma ANSWERS 1) a 2) a 3) b 4) b

5) b 6) d 7) e 8) b

9) a 10) b 11) b 12) a

13) b 14) a 15) a 16) b 17) a

18) b 19) e 20) e 21) e 22) e

23) d 24) b 25) a 26) b

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