WELCOME

CONGRATULATIONS
&
BEST WISHES

SABDHANI COACHING INSTITUTE WELCOMES
AND CONGRATULATES ALL THOSE CANDIDATES
WHO HAVE CLEARED FIRST STEP OF SUCCESS
IN THE WRITTEN TEST.

SABDHANI COACHING INSTITUTE NOW
WISHES YOU ALL THE BEST FOR THE NEXT STEP
OF SUCCESS ALSO IN INTERVIEW
AND GROUP DISCUSSIONS.

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

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INTERVIEW
INDEX

DETAILS
IBPS Details
IBPS-Participating Banks, Selection Procedure – PO/Clerk
Rating in interview
Interview Board
Marksheets / Certificates / Degrees / Documents
Bio Data Form
Form of Character Certificate
What is Interview
Main Points for Interview
Before Interview
How to Avoid Fear
General Guidelines
Manners / Etiquettes / Behaviour
Hobby / Interest
Family Background
Friend Circle
Birth Place / Native Place / Domicile Place
Work Experience
EDUCATION / SUBJECTS
Education - Knowledge of School / College / Subjects
Reasons for Preferring this Job
COMMERCE - Statistics, Management, MBA, Marketing
SCIENCE - Maths, Phy, Chem, Bio, Bot, Zool, Electronics
COMPUTER - Generation, Memory, Networking, Inf.Tech.
ARTS - Economics, Pol.Sc., Pub.Adm., Hist., Soc., B.Ed.
AGRICULTURE
LITERATURE
Organisation / LIC / Banking Knowledge
BANKS
BANKS - History, SBI, RBI, and others
Identity Proof
Duties & Liabilities of Clerks
Duties & Liabilities of Officers
Details of Salary for Bank Staff
Details of Leave for Bank Staff
History of Banks
Banking Terminology
Details of Banks
Insurance Knowledge
General Knowledge / General Awareness

PAGE NO.

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

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INSTITUTE OF BANKING PERSONNEL SELECTION (IBPS)
DETAILS OF IBPS
After nationalization of banks, Personnel Selection Services (PSS), a unit of
National Institute of Bank Management (NIBM) came into existence in 1975
for recruitment, promotion and placement services in the banking industry
initially which now has been extended to non-banking sectors as well.
In 1984 this unit became an independent entity - INSTITUTE OF BANKING
PERSONNEL SELECTION (IBPS) at the behest of Reserve Bank of India
(RBI) and Public Sector Banks.
The first Chairman of its Governing Board was DR. MANMOHAN SINGH,
the then Governor of RBI.
The foundation of the Institute is to promote professionalism in Talent
Acquisition through selection of competent and efficient cadres of
personnel from the clerical to the executive tier.
The Institute is an autonomous body; registered as a Public Trust under
the Bombay Public Trust Act of 1950; a Scientific and Industrial Research
Organization by the Department of Scientific and Industrial Research,
Ministry of Science and Technology, Government of India and a centre for
providing Ph.D. in Management.
By enhancing its consulting expertise over the years, the Institute has
acquired the distinction of a Premier National Level Institute and the forerunner in the field of personnel selection. It pioneered the use of Objective
Type Cognitive Ability tests for mass level examinations.
The Governing Board of IBPS consists of nominees from Reserve Bank of
India, Ministry of Finance (Government of India), National Institute of Bank
Management, Representatives of Public Sector Banks, Insurance Sector
and Academics.
The matters related to policy and affairs of the Institute are vested in the
Governing Board.

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

3

GOVERNING BOARD OF IBPS
CHAIRMAN
K. R. Kamath (Chairman & Managing Director of Punjab National Bank)
MEMBER-SECRETARY
A. S. Bhattacharya (Director of Institute of Banking Personnel Selection)
SOME MEMBERS
Deepali Pant Joshi (Executive Director of Reserve Bank of India)
Pratip Chaudhuri (Chairman of State Bank of India)
Arun Kaul (Chairman & Managing Director of UCO Bank)
T M Bhasin (Chairman & Managing Director of Indian Bank)
M Narendra (Chairman & Managing Director of Indian Overseas Bank)
D Sarkar (Chairman & Managing Director of Union Bank of India)
S L Bansal (Chairman & Managing Director of Oriental Bank of Commerce)
R M Malla (Chairman and Managing Director of IDBI Bank Ltd)
Allen C A Pereira (Director of National Institute of Bank Management)
K Ramakrishnan Chief Executive Indian Banks' Association

PARTICIPATING BANKS
1.

Allahabad Bank

2.

Andhra Bank

3.

Bank of Baroda

4.

Bank of India

5.

Bank of Maharashtra

6.

Canara Bank

7.

Central Bank of India

8.

Corporation Bank

9.

Dena Bank

10.

Indian Bank

11.

Indian Overseas Bank

12.

Oriental Bank of Commerce

13.

Punjab National Bank

14.

Punjab & Sindh Bank

15.

Syndicate Bank

16.

UCO Bank

17.

Union Bank of India

18.

United Bank of India

19.

Vijaya Bank

20.

Industrial Development Bank of India (IDBI)

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

4

apply through online application mode. who are successful in qualifying both CWE and COMMON INTERVIEW are listed in the order of merit.IBPS CWE FOR CLERK IBPS conducts single Common Written Examination (CWE) for selection of candidates in Clerical Cadre in the above 20 Public Sector Banks. as per their preference. Depending on the vacancies in each bank. The Candidates. IBPS conducts this Online Examination. are asked to give their preference of above Banks. apply through online application mode. The Candidates. The candidates. The cut-off is decided on the basis of the average 1/4 Standard Deviation for general candidates and 3/4 Standard Deviation for the candidates of reserved category. who are successful in qualifying both CWE and COMMON INTERVIEW are listed in the order of merit. The cut-off is decided on the basis of the average 1/4 Standard Deviation for general candidates and 3/4 Standard Deviation for the candidates of reserved category.SELECTION PROCEDURE . are subsequently called for a COMMON INTERVIEW to be co-ordinated by IBPS. There is penalty of 25% marks for each wrong answer in this examination. LALGHATI. The candidates. There is penalty of 25% marks for each wrong answer in this examination. are subsequently called for a COMMON INTERVIEW to be co-ordinated by IBPS. the candidates receive an offer from the above Participating Banks through a computerised system. The CWE has been accepted by each of the above Participating Banks and the Managing Committee of the Indian Banks’ Association (IBA) with the consent of the Government of India. who qualify CWE. who qualify CWE. The candidates. The Candidates. The CWE has been accepted by each of the above Participating Banks and the Managing Committee of the Indian Banks’ Association (IBA) with the consent of the Government of India. as per their preference. SELECTION PROCEDURE . BHOPAL PHONE (0755)2665306. Depending on the vacancies in each bank. MOBILE 08602511011 www. having the desired educational qualification. 56-A. are asked to give their preference of above Banks. The Candidates.com 5 . VIJAY NAGAR. having the desired educational qualification. SABDHANI COACHING INSTITUTE. the candidates receive an offer from the above Participating Banks through a computerised system. kept in the merit list.sabdhanicoaching. kept in the merit list.IBPS CWE FOR PO IBPS conducts single Common Written Examination (CWE) for selection of candidates in Clerical Cadre in the above 20 Public Sector Banks. The candidates. IBPS conducts this Online Examination.

One/Two/Three/Four panels headed by the Chairman of the Interview Board are arranged in separate rooms daily for one/two/three/ four/five/six days as per requirement depending upon the number of successful interviewees. Result o f written test is . Commerce 3. After written test the ratio (chances) of selection in interview is 1 and 3 i.OTHER BANKS/ ORGANISATIONS 1. Adamant/Short-tempered 4. RATING IN INTERVIEW RATING MARKS (OUT OF 100) POSITION A 90 Excellent Position B 75 Safe Position C 60 Good Position D 45 Average Position E 35 Below Average Position F 25 Risky Position INTERVIEW BOARD Members of the Interview Board can be classified under two categories PERFECTION-WISE 1. one out of three candidates gets final selection.CENTRAL RECRUITMENT & PROMOTION DEPARTMENT (CRPD) OF STATE BANK OF INDIA DETAILS OF CRPD SELECTION PROCEDURE . Interviewers keep in their mind a picture of the deserving candidate who has the required qualities for the post. BHOPAL PHONE (0755)2665306. Others (Having Banking Knowledge/General Awareness) NATURE-WISE 1. 56-A.01% to 1% only. Science 4. Average/Normal 2.sabdhanicoaching. LALGHATI. 4. Psychologist SABDHANI COACHING INSTITUTE. The final selection depends upon the marks obtained by the candidate in Written Test and Interview. you should try to pose yourself according to that picture. Arts 2.com 6 . Separate Marks for Written Examination and Interview are given. Therefore. 2. MOBILE 08602511011 www. 3. VIJAY NAGAR. 6.e. Each candidate is generally interviewed for a period of 15 minutes. 5. Co-operative 3.

Degree/Provisional Degree of Post Graduation 10. Mark Sheets of all Semesters of Post Graduation 9. Computer Certificate 19. Mark Sheet of SSC (10th) 3. 56-A. Games Certificate 22. Print-Out of Online Registeration Form 17. Degree/Provisional Degree of Graduation 8. Identity Proof with Photo 16.com 7 . Caste Certificate of SC (Sheduled Caste) 11. Any other Certificates useful for the Bank/Organisation 27. Certificate of SSC (10th) 4.MARKSHEETS / CERTIFICATES / DEGREES / DOCUMENTS / TESTIMONIALS 1. Caste Certificate of ST (Sheduled Tribe) 12.Two (Names and Addresses of respectable persons who are not related to the Candidate) 25. Referees . Skill Test (Typing) Certificate 24. LALGHATI. Bio Data Form 26. Mark Sheet of HSC (12th) 5. Physically Handicapped Certificate 15. Caste Certificate of OBC (Other Backward Class) Issued by Central Government for the Last Year 13. Ex-Serviceman Certificate 14. VIJAY NAGAR.sabdhanicoaching. VALID SCORE CARD ISSUED BY INSTITUTE OF BANKING PERSONNEL SELECTION (IBPS) SABDHANI COACHING INSTITUTE. Experience Certificate 21. Certificate of HSC (12th) 6.Two (Issued by Different Gazzetted Officers) 18. NCC Certificate 23. BHOPAL PHONE (0755)2665306. Marketing Certificate 20. Character Certificates . Mark Sheets of all Semesters of Graduation 7. Date of Birth Certificate 2. MOBILE 08602511011 www.

..................................................................... Husband’s Occupation :........................... Mother’s Occupation :. VIJAY NAGAR................................................................... Contact Number : ...... Category of Candidate :……………………………………………………………………................................ Details of Inlaws of Female Candidate: .......................................................................................................................................................................................................................................................................... Date Of Interview : ......................... Caste of Candidate : ………………………………………………………………………............................................ E-Mail Address : ........... Father’s Occupation :........................................................................................... MOBILE 08602511011 www...................................................... Date of Birth of Candidate: .................................................................................................................................................................. Name of Mother of Candidate :................... Details of Brothers & Sisters of Candidate.................................................................................................................................................................................................................. Name of Father of Candidate :............................................................................................................................................................................................................................................................................................................................................................................................................................... Interests/Hobbies of Candidate :…….................. PRESENT ADDRESS : ................BIO-DATA / RESUME / CURRICULUM-VITAE Name Of Bank / Organization : .................................................................................................................................................................... LALGHATI.................................................... PERSONAL DETAILS : Full Name of Candidate :.... Marital Status of Candidate:…............................................................................................................com 8 .................................. PERMANANT ADDRESS : .............................. 56-A........................................................................................... KNOWLEDGE OF LANGUAGES Name of Language Can Speak Can Read Can Write SABDHANI COACHING INSTITUTE............................ Strengths of Candidate :............................................................................................ . Name Of Post : ...................................................................... Name of Husband of Candidate :........ . Place Of Interview :................................................................................................................................... BHOPAL PHONE (0755)2665306....................................... Gender of Candidate : ............................. Religion of Candidate :…………………………………………………………………….............................................................. Weaknesses of Candidate :……......... PHOTO IBPS Score : ............................................................sabdhanicoaching................................................................................................................................

.............. ................................................................................................................................... Achievements : 1.......... 3.................. 3......................................OBJECTIVE : . Extra Curriculum Activities : 1 ..... ............. ........... WORK EXPERIENCE Sr............. GRADUATION Main Institute/ Subjects School/ College Year of Passing Board/ University Percentage of Marks POST GRADUATION OTHERS Other Qualificatons : 1........ 2............................ DECLARATION : ........ 2......... Computer Skills : 1. ........................ .................................... ............................................................................................. 3....... 2.................. 12th HSC 3.... ............................. NAME OF NEWS PAPER BEING READ : ........ No..... ...... 2...................................................... 2............................................. 56-A......com 9 ............................................. Place of Posting Duration From To Nature Emoluments Reasons for of Duties Drawn Leaving the Job 1....... 5.. 2.................................. 1.................................. .....................................................sabdhanicoaching........ MOBILE 08602511011 www.. 2 .......... 3........................ 4.................................................... ................................................................. VIJAY NAGAR.... 2... ...................................... ..................................................... BHOPAL PHONE (0755)2665306........ .......... 3.................................................. ................... Organisation No......... .......................... ................................................................................... 3............................................ 3....................................................................................................... ................................. Technical Skills : 1...... ........ Preference For Place Of Posting : ................................................................................................................... EDUCATIONAL QUALIFICATIONS : Sr................................................. .......... 10th SSC 2.. LALGHATI........................................................................................................................ Name of Examination/ Certificate/Degree 1.................... Names & Addresses of Two Respectable Persons (Preferably Gazetted Officers) Not Related To The Candidate : 1............................. SABDHANI COACHING INSTITUTE................................................. ................... Projects : 1.................. 2....................... ...................................................

......................... Signature of the candidate TO WHOMSOEVER IT MAY CONCERN Place : .................... Address : ................... SABDHANI COACHING INSTITUTE. 56-A........................................................................ I wish every success in his/her future career... Place : ....................... VIJAY NAGAR....................... MOBILE 08602511011 www. ……………………………………...... Date : .....………......../Miss/Mrs........................ Son/Daughter/Wife of……………………………………………………… is known to me for the last .sabdhanicoaching........ LALGHATI................................. BHOPAL PHONE (0755)2665306. Seal & Signature :………………………… Name : …………………………....... Date : ..years.. To the best of my knowledge and belief he/she bears a good moral character............................... Designation :……………......com 10 ........................................... CHARACTER CERTIFICATE This is to certify that Mr..........

Dress os'kHkw"kk @ igukok 12.ogkj 11.oa lkekftd O. 1.rk 2. dk. Knowledge of Bank/Organization 4. Computer Knowledge dEI. Hkk"kk dk Kku 25.knkjh ij idM+ SABDHANI COACHING INSTITUTE. Educational Qualification 'kS{kf.Knowledge of Subjects 3. Confidence fo’okl 13.ka 15. Knowledge of Bank / Organisation cSad @ laLFkk dk Kku 27.kd . MOBILE 08602511011 www. Clarity of Views fopkjksa dh Li"Vrk 5. Honesty / Integrity bZekunkjh @ fo’oluh. Persons living near to residence fuokl&LFkku ds vklikl jgus okys yksx 19.oa vfHk:fp 22. Abnormal Activities vlk/kkj. Experiences / Achievements / Attainments vuqHko / miyfC/k. Knowledge of Places of Residence fuokl&LFkkuksa dk Kku 20.sabdhanicoaching. LALGHATI. Family Ikfjokj 17.ksX. General & Natural Personality lkekU. Common Sense/General Awareness/General Knowledge which MAIN POINTS FOR INTERVIEW 1. Fluency Hkk"kk&izokg 21.com 11 . Duties Performed Earlier iwoZ eas fd. Manners/Etiquettes/Behaviour 2.ksMkVk QkWeZ dk fooj. Knowledge of Local Language LFkkuh.Z dk Kku 26. Capability of Facing Unexpected Incidences vpkud gksus okyh ?kVukvksa dks >syus dh {kerk 8. Hobby & Interest :fp . Way of Talking & the Language / Words used ckr-phr dk rjhdk o bLrseky dh xbZ Hkk"kk / ’kCn 6. Ability of Expression vfHkO. .oa izkd`frd O. General & Social Behaviour lkekU. x.rk 28.k fØ. Knowledge of Duties dk.k&dyki 23. Constructive or Destructive Mind jpukRed vFkok fouk’kdkjh fopkj 9. Way of Expressing Views fopkj O. VIJAY NAGAR. General Awareness / Current Affairs lkekU.wVj Kku 14.…………………………………… WHAT IS INTERVIEW Personal Interview consists of - means checking of your PERSONALITY. Education . lpsrrk @ nqfu. BHOPAL PHONE (0755)2665306. 56-A.Z 16.Dr djus dk rjhdk 4. Leadership Quality Uksr`Ro djus dh xq.ka / izkfIr.k 24.fDrRo 10.koRrk 7. Friend Circle fe= eaMyh 18. .fDr dh {kerk 3. Details of Biodata Form Ckk.

6. You should present yourself daily before a mirror as both interviewee and interviewer. VIJAY NAGAR. 3. LALGHATI. You should also believe in God. General Knowledge (Geography. You should prepare for the Interview.k esa . vkidks . You should select your proper dress. You should go as if you were having the required preparation for the interview. A SABDHANI COACHING INSTITUTE. BHOPAL PHONE (0755)2665306. 10. 2.g ekudj pyuk pkfg. 7. You should think that they are not the teachers to punish you. fd nqfu. Rivers etc. You should fill up the Bio-data Form carefully and truly. You should keep in mind that the interviewers are like your uncles or known persons to whom you respect.slk dksbZ loky ugha gS] ftldk mRrj vkids ikl u gksA 8. 7. You should be present among your group people for 3/4 hours for daily practice for the interview. HOW TO AVOID FEAR 1. 5. 2. You should try to have practical knowledge of Bank/Organization. Common Sense / Common Intelligence van:uh Kku @ lw>cw> BEFORE INTERVIEW 1. 11. shoes.sabdhanicoaching. You should not bother even if you are not able to give answers to all of the questions of the interviewers. 3. MOBILE 08602511011 www. 5. You should arrange all the documents in systematic order from top to bottom.ka oxSjg) 30. 4. You should carry Photocopies of the Documents. the answer of which is not available with you. You should assume that in the world there is no question. 6. 9. Kku (Hkwxksy] ufn. You should choose and carry only the most important Certificates and Testimonials. You should keep all the Documents and a set of their Photocopies in any transparent file. 56-A. You should think that they are not the lions to eat you. You should follow the rules of Yoga. vkidks Hkxoku esa Hkh fo’okl djuk pkfg. spectacles etc.com 12 . 4.) lkekU.29.

GENERAL GUIDELINES SABDHANI COACHING INSTITUTE.sabdhanicoaching. BHOPAL PHONE (0755)2665306. 56-A. MOBILE 08602511011 www.com 13 . LALGHATI. VIJAY NAGAR.

Go outside the room. If they ask you to produce anything (certificates etc.sabdhanicoaching. “Please Pardon. 8. “Thank you Sir for increasing my knowledge. “Good-Day. Sir/Madam”. 4. “Good-Day. 2. give them standing with respect and get back after taking permission in the last. Say to them.). Close the door gently. Open the door gently. 3. You should rightly set your dress.A 5. Sirs/Madams”. before entering into the Interview Room. 7. repeat these words. 2. Sirs/Madams”. VIJAY NAGAR. “Thank you. say to them. If you are not able to understand or hear any of the questions. Say to them. you should say. “Thank you. Walk and sit with good posture. 10.com 14 . 9. spectacles etc. shoes. In the last also when they ask you to go. 12. MOBILE 08602511011 www. BHOPAL PHONE (0755)2665306.’’ “Please Repeat your Question. When they ask you to sit in the chair. Go back to the door. you should say to him.” SABDHANI COACHING INSTITUTE. vkSj iwN dj gh okil yhft. 56-A. Open the door gently. but should keep silence. Sir/Madam”. 6. vxj os dksbZ pht+ ¼izek. Sir. Take permission to enter in the room. If any member of the Board himself give the answer to the question which you are not able to give. While waiting outside the Interview Room. "May I come in Sirs/Madams ?" 3. You should carefully practise the following manners from beginning to end :1. 11.” 6.MANNERS / ETIQUETTES / BEHAVIOUR 1. Close the door gently. Sir. LALGHATI. 4. 5. you should neither see intentionally inside the room nor laugh/talk loudly.k&i= oxsjg½ ekWaxsa] rks mBdj nhft. by saying.

very politely and you should not get irritated anyhow. You have to show that you are nice.k ^uk* 'kCn cksyuk pkfg.k&d+yke ugha gksuk pkfg. the answers of which are not known to you. 4. MOBILE 08602511011 www. 18. 6. You should say the word ‘Yes’ or ‘No’ but should not utter any unpleasing sound.kn ugha gS A** ysfdu vxj lkekU. You should face the interview without any tension. wise and you will rise. you should say. Your reply/decision should be quick.D’ku ugha djuk pkfg. 56-A.xk] ^^lkWjh lj] eSa ugha tkurk gwWa A** 12. Full confidence must be there before entering the room. Don't keep any thing in suspense. vkokt+ mPpkfjr ugha djuh pkfg. You should not repeatedly say any word/words e.g. ‘may be’.” vxj fo"k.d . vkidk dksbZ rfd. 19. BHOPAL PHONE (0755)2665306. You should go to the Interview Room without fear and hesitation. A 10. vkidks ^gkWa* .kas ls lEcfU/kr loky ds mRrj vkidks ugha ekywe gksa rks dfg.xk] ^^lkWjh lj] eq>s . ysfdu eqWag ls dksbZ vfiz. 11. which may annoy them. 16. LALGHATI. Avoid using too many hand gestures. I do not remember. “Sorry Sir. you should say. I do not know. with peace of mind. Speak in natural way. If they ask you the questions relating to your subjects. 3.GENERAL GUIDELINES 1. 15. give them your self-decision. You should avoid any unwanted action. Avoid the words like ‘perhaps’. “Sorry Sir. You should be enthusiastic and positive. 7.com 15 . happy mood and smiling face. 17. etc. 'SIR' etc. Show self-confidence. vkidks dksbZ vuko’. Speak clearly and loudly. VIJAY NAGAR. Your best qualities should not go un-noticed. Eye contact is must every time. You should defend your view points friendly. Kku ls lEcfU/kr loky ds mRrj vkidks ugha ekywe gkas rks dfg. 20. the answers of which are not known to you.A 13. be fully determined and don't be confused until they prove that you are wrong. 9. A 14. You should not request them to change any of their questions.sabdhanicoaching. You should show your Need and Greed for the post. 5.” And if they ask you the questions relating to general knowledge. SABDHANI COACHING INSTITUTE. 2. 8. avoid a very low pitch voice which is not audible to them and also avoid a very high pitch voice.

40. 41. You should give favourable reply to the questions relating to the students who might have appeared for the Interview prior to you. You should visit any of the Branch/Office of the Bank/Organisation to get the information/knowledge of various schemes. BHOPAL PHONE (0755)2665306. There should be no cry of your shoes. 29. Any extra thing should not appear on your dress/body. Time of Test may be asked by them to check your memory power. You should reply the questions on Priority Basis. 39. Show your smartness while you talk and walk. You should have some practical knowledge about the working of the Bank/Organisation. 33. SABDHANI COACHING INSTITUTE. Date of Test. Room No. 36. If there is anything inferior with you and they ask about that. 23. Divorcee women should produce the documents relating to the court's decision. 30. 22. Be serious/happy/laugh/smile only when situation so warrants. MOBILE 08602511011 www.. 34. 35. 38. Adjustment according to the prevailing situation is necessary. Place of Test. post and department/organisation. Your dress should be suitable according to your body. 28. 26. but you should not feel inferiority-complex for that. Don't try to bluff them because they have full knowledge. 25. 56-A. you should have its full knowledge and you should avoid psychological effect which may happen due to it. LALGHATI. 32. 31. You should have details of the advertisement relating to the vacancy. You should also collect from internet/website the details of various schemes etc. you should have full knowledge. Married Women should show both their old and new names and they should submit their Affidavit also. You should ask referees to submit favourable reply to the letter which they may receive from the Bank/Institution/Organisation. You should keep in mind the importance of the day of interview or its nearby days.sabdhanicoaching.com 16 . forms for deposit and loans etc. Don’t tell them that you want to switch over to any other Bank/Organisation/IAS/UPSC/PSC etc. If such thing is necessary. 24. 42.21. Bio-data Form should be filled up correctly and truly. You should calculate and keep ready your age as on the day of interview. 27. Proper notice of each point should be taken.. 37. weather. of the Bank/Organisation. VIJAY NAGAR. Roll No. You should keep full details of Referees.

BHOPAL PHONE (0755)2665306. 53. 55. Books for Interview should be referred. MOBILE 08602511011 www.k D. You should get information from the other students about the type of questions asked by the interviewers. you should reply them with full confidence. They may ask you to write a few lines on some matter or they may ask you to explain any matter verbally. 50. They may ask you about any Approach for the selection. 49. LALGHATI. pacify them by quottig a proper reason for this. What is your planning for future career ? 5. If any incorrect statement is given by them. VIJAY NAGAR. 52.k D. 44. You should know about the Bank’s Symbol / Mono / Slogan / Punchline / Trade Mark etc.43. How do you find yourself suitable for the job ? 4. What are your bad qualities (weaknesses) ? 3. They may ask you about your involvement in the Union Activities. 46.k gS \ 7. 57. 56. 48. If you are having any experience of the government or private job and if you have applied through proper channel. If there is any gap in education after passing the last examination. 47. 51. a No Objection Certificate (NOC) is required to be submitted. What are your good qualities (strengths) ? 2.sabdhanicoaching. You should also give proper replies of the following questions :1. but you should not loose your self-confidence. You should be alert and you should not see here and there when they do not ask any question to you because they are busy with their colleagues or attending phone calls. 54.k gS ? 6. You should say that the Promotion Chances for higher post will be availed of by you in this Bank/Institution/Organisation itself. Tell them that typing test/any other skill test will be or had been satisfactory. What is the problem of your city/village ? vkids 'kgj @ xkWao dh leL. Which is the most significant event that had the greatest impact on your life ? SABDHANI COACHING INSTITUTE. 56-A. 58. You should say that the offer for higher category of job will not be accepted by you. 45. Your reply may be in Hindi or English but must be in accordance with the Bio-data Form filled. You should show them the proper reason of your appearing from other Centre/State. What is the banking problem of your city/village ? vkids ’kgj @ xk¡o dh cSafdax leL.com 17 .

Actors. 56-A. If you are sent to village/difficult place/difficult centre.] xsan muds ikys esa gh Mkyas A 17. Politicians.k viuk ifjp. Birds. Programmes etc.k iwNsa \** bl loky dk tokc nsrs le. LALGHATI. Books. Tell about yourself or Introduce yourself. Animals. Who/which are your Favourite Persons. nsa A SABDHANI COACHING INSTITUTE. MOBILE 08602511011 www. Why are you not interested in business ? Answer this question politely by showing its demerits. T.God/Parents/ Teachers/Classes/Friends/Magazines/Books ? 12. Vegetables. Which do you think is the saddest moment in your life ? 10. Fruits.V. Films. 14. how will you manage ? 11.a . The credit of your success goes to whom . vius ckjs esa crk. "What should we ask you ?" National Rural While answering this questions. Which do you consider to be the happiest moment in your life ? 9. Places. News-Papers.com 18 . Authors. ? 15. Channels/Serials. VIJAY NAGAR. Things.sabdhanicoaching. Are you interested in Mahatma Gandhi Employment Guarantee Act (MNREGA) ? 13. Actresses. let the ball be in their court. BHOPAL PHONE (0755)2665306. ^^ge vkils D. How do you feel about today's Interview ? 16.8.

INTRODUCTION OF CANDIDATE My Name is My Date of Birth is My Age is My IBPS Score is My Father’s Name is My Father is Govt.com 19 . BHOPAL PHONE (0755)2665306. LALGHATI.sabdhanicoaching. MOBILE 08602511011 www. 56-A. Employee/Teacher/House Wife I have Brothers I belong to General/OBC/SC/ST Category and I reside at Sisters City I have completed Graduation/BE/MBA/PG with % in the year I have knowledge of Computer/ I have worked as in from to My Object is My Hobby is My Strength is My Weakness is SABDHANI COACHING INSTITUTE. Employee/Bank Employee/Businessman/Farmer My Mother is Govt. VIJAY NAGAR.

BHOPAL PHONE (0755)2665306. LALGHATI. Leg Press. News 30 Making Friends 60 Watching of Films/Movies GAMES Cricket. Football. Badminton etc. Chill up. Set Up. Lawn Tennis. Peack Deck. Pull Down.sabdhanicoaching. Chess. Carom. Bench Press.com 20 . Hockey.V. Table Tennis. GYM WORK Chill in. Chest Fly. Cards. Dumble Press.V. MOBILE 08602511011 www. Serials 29 Meditation 59 Watching of T. VIJAY NAGAR. Push Up.HOBBY / INTEREST 1 Athletics 31 Making Cartoons 2 Baking 32 Morning Walk 3 Cooking 33 Net Surfing 4 Cross Word 34 Photography 5 Collecting Stamps 35 Poems 6 Collecting Currencies 36 Printing 7 Collecting Cartoons 37 Painting (Wax Painting) 8 Collecting Old Coins 38 Reiki 9 Drawing 39 Racing 10 Dancing 40 Riding 11 Driving 41 Reading of News-Papers 12 Diary Writing 42 Reading of Books 13 Embroidery 43 Reading of Novels 14 Evening Walk 44 Reading of Magazines 15 Flying 45 Singing 16 Farming 46 Social Service 17 Gardening 47 Swimming 18 Ghazals 48 Shading 19 Games 49 Sketching 20 Gym Work 50 Sewing 21 Interior Decoration 51 Sudoku 22 Judo 52 Travelling 23 Karate 53 Teaching Children 24 Kite-flying 54 Taking part in Debates 25 Literature 55 Taking part in Competitions 26 Letter Writing 56 Taking part in Plays 27 Listening to Radio 57 Weaving 28 Music 58 Watching of T. PBD SABDHANI COACHING INSTITUTE. Dumble Lift. 56-A.

economical. Are you willing to be posted at a village centre or another part of the country. What is it famous for ? 3. MOBILE 08602511011 www. Is there any religious / historical / geographical / commercial / industrial / agricultural / social / political importance of your native place / district 4. What do you think you will do.sabdhanicoaching.com 21 . 56-A. VIJAY NAGAR. if the organisation needs to send you there ? 14. Which part of the organization’s functions are you most interested in and why ? 13. Were you good at it and if not. if you had been given the chance ? 6. after you join our Organisation ? 7.BIRTH PLACE / NATIVE PLACE / DOMICILE PLACE 1. if required ? 15. what are they ? 12. scientific or technological) or any particular implication for this organisation and its products or services in the recent past ? If so. How does the job done by you relate to the job in our Organisation ? 11. Why did you leave the job ? Why do you want to leave the job ? 9. What did you like and dislike about it and why ? 4. How would you have improve things. How would you feel about working at irregular hours overtime. Who are the important known people associated with your native place/district ? WORK EXPERIENCE 1. What will you like to do for your area. LALGHATI. What are your feelings about it ? 6. if you do not get this particular job ? SABDHANI COACHING INSTITUTE. What did you get from the job ? What did you learn from it ? What help would it be to you ? 10. How often have you visited your native place ? 5. What did your particular job entail and what did you actually do ? 2. Have you got any development (social. What was the most difficult aspect of it ? 7. What were skills/qualities needed ? 3. Which is your native place and district ? 2. What problems did you encounter and how did you tackle them ? 8. political. why ? 5. BHOPAL PHONE (0755)2665306.

Whom are you most attached to ? 6. Does your mother work ? If so. MOBILE 08602511011 www. What does your father do ? 2. Who will look after your family after you join the Bank ? FRIEND CIRCLE 1. Do you have any brother and sister ? Whether they are older or younger than you ? What are they doing ? 4. What will be your responsibilities towards your family after you get the job ? 8. 56-A. What do you do for your friends’ career ? SABDHANI COACHING INSTITUTE. Have you ever spoken to your father/mother about the most intractable problems they may have faced at work ? What are they ? 7. LALGHATI.FAMILY BACKGROUND 1. VIJAY NAGAR. How are they helpful in your career ? 3.sabdhanicoaching. What influence have your parents had on the decisions you have taken in your life ? 5.com 22 . BHOPAL PHONE (0755)2665306. what does she do ? 3. What are your friends doing ? 2.

LALGHATI.com 23 . 56-A. VIJAY NAGAR. MOBILE 08602511011 www.sabdhanicoaching.ED U C A T I O N AND KNOWLEDGE OF SU B J EC T S SABDHANI COACHING INSTITUTE. BHOPAL PHONE (0755)2665306.

I have learnt the importance of logical thinking for solving problems at hand. Which subjects did you like least and why ? 7. What did you like about the place and why ? 3. Why did you go to that particular college ? 6. 56-A. cSad esa . You have got the Degree of B. Whether you were a regular student of any College ? 11. Then why do you not prefer teaching students instead of coming in the Bank ? 20. Why preference was given to the subjects selected ? 13. Why changes were in your Subjects ? 14. Whether you passed the last examination through any Private College ? 10. What parts of subjects were you best at and why ? 9. then why do you want to join a bank as a clerk ?” Convert this apparent disadvantage into an advantage by saying. BHOPAL PHONE (0755)2665306.kfT.EDUCATION KNOWLEDGE OF SCHOOL / COLLEGE / SUBJECTS 1.d Kku . Why was it thought proper to give that name to the School/College ? 5. Has your School/College been named after someone ? 4. Which paper for the post of Assistant Professor is conducted by UGC ? SABDHANI COACHING INSTITUTE.” You also say to them that the Loan Proposals for Chemical Industries can be best assisted by you to the Loan Disbursing Authority.kstuk lEca/kh ekeyksas vkSj fnu&izfrfnu ds dk. 21. Do you prefer Semester System in your Education ? 17. having an open-ness of mind while considering any situation etc. VIJAY NAGAR. What are your comments on Wavering of Board or Making one Board for SSC (10th) Examination for whole country. Even a clerk in a bank needs these qualities specially. “As a Chemitry Graduate. Why changes were in your Percentage of Marks ? 16. What did you think about your School/College ? 2. After getting the Degree of Engineering how can you justify clerical job in the Bank for yourself ? 19.com 24 . LALGHATI. How are your subjects useful for the job in the Bank/Institution/ Organisation ? “You have studied Chemistry. Why changes were in your Division ? 15.Ed.kZsa esa okf.sabdhanicoaching. if he hopes to become an officer one day. What subjects were you best at and why ? 8. Whether you made any changes in it later on ? 12.oa rduhdh tkudkjh dk ykHk gks ldrk gS A 18. MOBILE 08602511011 www.

Contribution in Cost Accounting. Bhartiya Bahi Khata.k Ik)fr] (_. Service Tax. Types of Tax – Direct Tax & Indirect Tax. 80(E). Fixed and Variable Expenses. Advertisement Taxation Group : Assessment Year. Standard Deductions. Voucher. 80(C). Minutes. Marketing. Verification.00. Patents.000 00% Upto 2. 88(C). Accounting. dEiuh@QEkZ ds [kkrksa ds izdkj ¼O.000 30% Above 10. CA (Chartered Accountant) CPT Common Proficiency Test IPCC (Integrated Proficiency Competence Course) SABDHANI COACHING INSTITUTE. Market-Survey Planning. Fund Flow.001 to 10.00.00.000 5. VIJAY NAGAR.000 Upto 2.00. Goods & Service Tax (GST).00. Authorized Capital. Furniture.00.k&i=] Solvency. Formation/Dissolution of Firm/Company. Board of Directors. Equity Shares lerka’k.com 25 . Debentures.000 Above 10. Promoters and Directors. Exemption of Agriculture Income INCOME TAX RATES / SLABS : FINANCIAL YEAR 2013-14 . Subscribed Capital.00. 56-A.000 2. Securities & Exchange Board of India (SEBI). MOBILE 08602511011 www. 88(B). Expenditure Account.000 Upto 2. Accounting Ratios. Income Tax Act.50. Annuity). Economic Condition. Purpose of Auditing. Partnership. Communication. Sales Tax/Value Added Tax (VAT). NIFTY).000 5. Inspection. Wealth Tax. Cash Flow. Office. Scrap Value.2000 for annual income of Rs.2.001 to 10. Copy-Right. Reserve Capital.00. Break Even Point. Audit. Auditor is the watchdog of a Company. Control. Fund Flow.000 10% 2. Leadership.ka Movable/Immovable Properties.e½.kkyh).000 2. Depreciation (Straight Line. Balancing.5 lakhs for loan up to Rs. Value Added Tax. Property Tax. Sources of Income. Bills of Exchange. Public Limited Company.000 Above 10.00. Production.sabdhanicoaching.00. Acid Test Ratio.00. 5 lakh Home Loan Income tax Exemption limit increased from Rs. Initial Public Offer (IPO).000 Surcharge of 10% on income more than Rs.001 to 5. Current Budget. LALGHATI.00.001 to 10.000 20% 5. Diminishing. Motivation. Single Entry System. Partnership Deed. 89(1). Marginal and Standard Costing.e½] Agenda. Gift Tax. Prepaid Expenses and Outstanding Expenses.5 lakhs to Rs. ykWdj iz. Is a Balance Sheet an Account ? Revenue Account. Share-Market (SENSEX. Royalty. Double Entry System and Double Account System. 80(L).00.00.1. Paid-up Capital.00.k] fudklh ?kj (Clearing House)] cSad lek/kku (Bank Reconciliation). What Goes Out Credit/Debit. Articles of Assosiation ¼ik"kZn vUr% fu.00. Prime Cost & Overhead Cost.001 to 5.kikj izkjEHk izek. Called-up Capital. Income Tax. 1 crore Tax Rebate of Rs. Trade Marks. Staff.50. Financial Year. Coordination.k iz.000 5. Issued Capital. Private Limited Company.00. Written Down Value. Balance Sheet. After Sales Service. Preferential Shares iwokZf/kdkj va’k] Dividends ¼ykHkka’k½] Forfeiture of Shares. BHOPAL PHONE (0755)2665306.00. Wages Inward and Outward. Market Capitalisation.001 to 10. Trial Balance.000 Above 10.kkyh] Mªk¶V o pSd esa varj] cSad dh LdhEl] eqnzk LQhfr] ys[kk ijh{k. Profit & Loss Account. Good Will (Rat/Dog/Cat).ka Tangible/Intangible Assets. Investigation. Corporate Tax. What Comes in Debit/Credit.ASSESSMENT YEAR 2014-15 TAX GENERAL FEMALE SENIOR CITIZENS SENIOR CITIZENS RATES TAX-PAYERS TAX-PAYERS (ABOVE 60 BELOW 80) (ABOVE 80) Upto 5. izorZu @ jftLVªs'ku @ iwath&vfHknku @ O.25 lakhs Accounts Group : Principles of Book Keeping. 80(G).001 to 5. ewRkZ@vewRkZ lEifRr.COMMERCE Management Group : Finance. Capital Gain.00. Memorandum of Assosiation ¼ik"kZn lhek fu.knh tek [kkrk] vkorhZ tek [kkrk½] cSad _.00. 80(DD). py@vpy lEifRr.fDrxr [kkrk] OkkLrfod [kkrk] ukeek= [kkrk½] cSad ds [kkrksa ds izdkj ¼pkyw [kkrk] cpr cSad [kkrk] fe.

Motivation. Difference between Public Relations and Publicity. Market Forecast. Planning System.ka@fNM+dko (Endosulfan. Types of Market. Bird Flu.kh). Leadership.). BHOPAL PHONE (0755)2665306.sabdhanicoaching.kksRrj ek/. Standard Deviation (ekud fopyu).kf/k dk izdksi] flapkbZ] dhVuk'kd fNM+dko] QVkbZ] xgkbZ] Entomology. Sales Forecast. ruk fo?kyu] Chicken Gunia. Nuclear.com 26 . March-April). Customer Satisfaction. Conter (dUVwj½] dkx&HkxksM+k] Irrigation. Research Work. Genetically Modified. Harmful Insects & Benificial Insects. International Marketing. Kharif (June-July. MOBILE 08602511011 www. Monsoon. Organizational Behaviour.kh).STATISTICS Demography. Organizational Behaviour. Pesticides. Dairy Farming. Perception. Mean (ek/. Geometric Mean (xq. Management Science.kksRrj Js.). Stimulation. Harvesting. fopyu). Plants.). Humus. moZjd] Mh.&cssSy] HksSal&HkSalk] Chemical Composition. Foundation Certified. Rabi (October-November. Production. Development MBA (MARKETING/HUMAN RESOURCES/FINANCE) Management.e] Phathogen. gfjr Økafr] ekulwu] _rq. Market Segmentation. Mushroom Farming. Thesis SABDHANI COACHING INSTITUTE. Sales. Arithmetic Progression (lekarj Js.k eas iSnk gksrk gS] _. Monocrotophos.k esa iyrk gS vkSj _. Leadership. 56-A.ih] . Probability.n ¼ekpZ&vizSy] twu&tqykbZ½ ukbZVªkst+u] feysV Millet] iksVkl] ikSVsf’k. Support-Price. Situations based on Price and Output Decisions. Leadership. Perception DISTANCE LEARNING (MBA) Principles & Practices of Management. Crop Diseases. cdjk&cdjh] ?kksM+k&?kksM+h] eqxkZ&eqXkhZ] HksM+&HksM+h] xk. Understanding.wfj. Quinalphos). Sampling. Marketing. Threshing. Staff. Temperature. Different Crops. Conditions of Villagers/Farmers. Personnel Management Business Communication. Pisciculture. Humidity. tM+ xyu. Finance Management. Index Number. Production. Breeder. Graphical Representation. Soil ¼nkseV] dkyh] yky] ihyh] jsrhyh½] iFkjhyh Hkwfe] catj Hkwfe.dk). Market-Survey. VIJAY NAGAR. Motivation. Sales. Combination MANAGEMENT Office. Veterinery. Harmonic Mean (gjkRed ek/. Furniture. Arithmetic Mean (lekarj ek/. Environment. Tax on Farmers. Trees. Geometric Progression (xq. Problems of Farmers. Contract Farming. Silviculture. Soil Erosion. Consumer Behaviour. Measures of Dispersion. Planning Appraisal Process. Marketing Research. Marketing of Services.a] flapkbZ] dVkbZ] cqokbZ] Qlysa] Seeds (cht). MARKETING Difference between Marketing and Sales. Median (ekf/. Marketing. Production.). Finance. Mode.k] September-October).k esa gh ej tkrk gS A Gardening. Market-Survey. Meteorology. Vital Statistics. Poultry. Buying Process. Nature and Scope. Mean Deviation (ek/. Marketing. LALGHATI. Wells. Functions. jch] [kjhQ+] tk. Operational Research. Human Resources. Marketing. Types of Goods. tqrkbZ] cqvkbZ] cqvkbZ ds lkFk vkSj cqvkbZ ds ckn ds moZjd] Qly fuxjkuh] dhV&O. Permutation. dhVuk’kd nokb. AGRICULTURE fdlku _. Organizational Behaviour. Human-Resource Management. Market Demand. Motivation.

wVsu] Velocity ¼osx½] Speed ¼pky½. Total Internal Reflexion. Thermodynamics. Specific Heat. Abstract Algebra.DNA. Atom Neutron. Charl's Law. Acute Angle. Covalent.V. Cell Organism. Real and Complex Analysis.k] U. vadxf. mu. Structure of Molecules. Respiration. Equilibrium (lkE. lw=] Statistics PHYSICS Elbert. Flowers).kr] js[kkxf. Oxidize.kr] Trignometry (Sin.P. Atomic Structure. Ramanujam. Temperature and Humidity. Radiation. nwj&–f"V nks"k] t+jk&n`f"V nks"k] (Myopia. Retina. (a-b)2+2ab. Thermodynamics. Graph Theory. Metrics/Determinants. MOBILE 08602511011 www. Coulomn's Law of Electrostatics. Inertia. Differenciation. Momentum. Liquified Petroleum Gas (LPG). C. Topology. Archimede's Principle. C. flanwj] nw/k ls ngh] Lectic. Erge. Electron. Action-Reaction tM+Ro] laosx ifjorZu] fØ. Different Parts of Flowers (Calyx. L. ÅtkZ ds ek=d (Units of Energy).S C I E N C E MATHEMATICS Aryabhatt. Lipid Metabolism. Raman. Blue Sky. Rolly. Leaves. Supplementary Angle. Electron Volt. Photo Electric. niZ. Cos. Obtuse Angle. Magnese. Emergent. LALGHATI. Numerical Method. Angle of Allevation. Engineering. Currents (AC and DC). Shakuntala Devi. Kiloergs. Barnoli’s Theoram.k vkSj ysal] viorZu] ijkorZu] vkifrr vkSj viofrZr fdj. yksgs esa ta+x (Rusting).fud lw=] Electrons. Gravitation Force xq:Rokd"kZ. Sigma. Pascal's Law.sabdhanicoaching. Pythogorus Theorem. Thita. Valency. Bhaskaracharya.k cy. Insoluble. Ovary). Kaushy. Different Parts of Plants (Roots. ehFksu] C. Cobalt. Functional Analysis and its Application. Euler. izdk’k fo|qr izokg] Battery. fyVel&i=] vEy (Acid) vkSj {kkj (Base).wu dks. Transisters (PNP & NPN). Operation Research. (a2+b2).).k] voueu dks.oa vU. Oscilation of Waves.Mineral.Photosynthesis. Stems. Tan. FkSSYl izes.P. Cot). Doppler Effect. (a2-b2). Raman.k] ijkofrZr vkSj vijkofrZr fdj. Presbyopia). Heat. Motion.k] vf/kd dks. (a+b)3. Type of Classification. Right Angle.k ?kaVh] pqEcd] mRry o vory niZ. Bonds. Green House Effect on the Earth. Pi Bonds. HkwdEi&fjDVj CHEMISTRY Blood. Convention. Under Table Water BOTANY Physiology .] Demovier's Theorem. jax] jklk. Conduction. Solution (fofy. Kinetics.kr] chtxf. Integration. (a+b)2-2ab. Arosol. Voltage. Taylor. Corolla. G-II. Molecules. N2. CDNA Library.k)] Tube Burst in Summer. Physical Chemistry. RNA. Newton Law (Inertia. Focus Point. Earthing (i{kh dks djaV). H2o (Water). Protein. Speed and Velocity. Hard and Soft Water.Metabolism Echosystem. vkbULVhu dk fl)kUr] Lkkis{krk dk fl)kar] Theory of Relativity.k] Sun Rays. VIJAY NAGAR. Cells. Hyper Myopia.k] le dks. Raman Effect. pØo`f) C. Bacteria.k&izfrfdzz. BHOPAL PHONE (0755)2665306. Graphites. Cell Organelles Branching Pattern. Organic Chemistry. Optical Fibers. Dynamite. bUnz /kuq"k] cstkuhgihukyk (VIBGYOR). vkstksu ijr (Ozone Layer)] Solar Cooker.. Surface Tension. pksj ?kaVh@Nk. Prism. Global Warming (Carbon Credit). Soil Plant Kingdom Classification.V. Snell's Law (Laws of Refreaction). Types of Anther and Ovary SABDHANI COACHING INSTITUTE. Anther.u dks. Sec. Electrolite. Mercury. Chemicals. Soluble. Inorganic Chemistry. Oxidation. TNT.Joule/Calorie. Nero Tech.k] Programming in C.u). Cells. Crystal. Rangakutta. Complementary Angle. Neutron. Boyle's Law. Cosec.kt] {ks=fefr . fudV&–f"V nks"k. Translocation. Calcium. Genetics . 56-A. Minerals.k vkSj ysal esa varj] vkorZ dky. Water .com 27 . Proton.

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Hacking of Sites.5.0 ERP. Networking. DVD (Digital Video Disk) NETWORKING Local Area Network (LAN). Secured Network. Systems Development Life Cycle (SDLC). Cyber Law. Sub-Net. Services provided by Automated Teller MachineATM) Search Engines Google. 6. Compiler. WWW (world wide web).0 and 9.4. Topology. Punch Card. Internet and Intranet. BCA. LALGHATI. Compact Disk. 7. Main Server (Core Banking. Floppy Disk.sabdhanicoaching. Animation SABDHANI COACHING INSTITUTE. A. PROM.Enterprise Resource Planning) INFORMATION TECHNOLOGY Software Engineering. Internet Explorer. IT Trends (MultiMedia). 5.com 30 . Client Server. http (hyper text transfer protocol). MOBILE 08602511011 www. C Certificates TALLY (4. Images. Software Management. Pen Drive. Metropolitan Area Network (MAN). Gopher COURSES DCA. E-Commerce. Different Levels O.MEMORY 1 1 1 1 1 1 Bit Nibble Byte Kilobyte Megabyte Gigabyte = = = = = = 1 or 0 4 bits 8 bits 1024 bytes 1024 kilobytes 1024 megabytes 1 Terabyte = 1024 gigabytes 1 Petabyte = 1024 terabytes 1 Exabyte = 1024 petabytes 1 Zettabyte = 1024 exabytes 1 Yottabyte = 1024 zettabytes (1208925819614629174706176 bits) Primary Memory (Volatile) RAM (Random Access Memory) PRAM (Parameter Random Access Memory) Secondary Memory (Non Volatile) ROM. Highlevel Data Link Control (HDLC). Software Application. Wide Area Network (WAN). VIJAY NAGAR. Yahoo. Cyber Crimes.2. Operating System. EEPROM (Electronic Erasable Programmable Read Only Memory) Hard Disk. Graphic. Interpreter.1. 8. B. Programming. Internet Protocol ¼IP) Address. DSCA. Memory Card. PGDCA. Sound. 56-A. Water Fall Model. BHOPAL PHONE (0755)2665306. Rapid Application Development (RAD) Model.3. EPROM. MCA. 9.

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kstuk] fons'kh eqnzk HkaMkj] fons'kh fofue. eqnzk Ckkt+kj] iwath Ckkt+kj] LVkWd cktkj] National Income. for example.oa vko’. as a store of value and as a standard of deferred payment.j] foRr vk. it will not be able to function as a measure of value. 56-A. Its units should be identical.oLFkk] iwathoknh vFkZO. dhaal dk jkst+xkj fl+)kar] fjdkMksZ dk yxku fl}kar] Law of Diminishing Utility mi. Apart from being used as money.oLFkk] fNih gqbZ vFkZO.ksfxrk gzkl fu. Equality.drk esa varj] mnkj eqnzk] fu. Definitions of some Principles. Durability QUALITIES OF GOOD MONEY MATERIAL 1.com 32 . Divisibility.k] vk. 3. Karl Marks.g. Malthas Equilibrium. Stability. .u] ckWaM~l] 'ks.u] eqnzk vf/kewY. making ornaments.] lekukUrj vFkZO. If money is not homogeneous. Indifference Curve. Ice and fruits can not become good money because they lose their value with the passage of time. 6. On this ground. Stability The value of money should remain stable and should not change for a long period of time. can not function as good money because a cow cannot be divided without losing its value. Adam Smith. Equality (Homogeneity) Money should be homogeneous.k] eanfM+. Cows. Ice melts and fruits perish. 2. 7. If it is not easily recognisable.ARTS ECONOMICS Macro/Micro Economics. Portability (Transportability) Money should be easily carried or transferred from one place to another.k (CUP SAUCER)] Cognizability. 5.e] Supply and Demand.ksx] bPNk . A fraction of cow is quite different entity than a whole cow. Samuelson. J. Admand Marshal. the money material must have large value in small bulk. various animals cannot be used as money. Durability Money material must last for a long time without losing its value.sabdhanicoaching. MOBILE 08602511011 www. LQhfr] e`nq LQhfr] rhozxkeh eqnzkLQhfr] dkyk /ku] dkyh vk. these metals can also be put to other uses e. John Robbins. ctV] ys[kk&vuqnku] rstfM+. Marginal Utility. Acceptability The material of money should be acceptable to all without any hesitation. Mehta.kZr uhfr] iapo"khZ. Cognisability Money should be easily recognized. it would be difficult for the individuals to determine whether they are dealing with money or some inferior asset. Portability (Transportability). SABDHANI COACHING INSTITUTE. Robbins. gold and silver are considered as good money material because they are readily acceptable to the general public. They should be of equal quality and physically indistinguishable. 4. In this connection.j euh] phi euh] gkWV euh] eqnzk dh Rofjrk ¼osx½] ekSfnzd uhfr] eqnzk dh iwfrZ] eqnzk ds xq. Counterfeitability.oLFkk] E. VIJAY NAGAR. Divisibility Money material must be easily sub-divided to allow for the purchase of smaller units of the commodities.wpy QaM] cqjh eqnzk o vPNh eqnzk] eqnzk voewY.K. Utility.kr fu. Recognizability. the individuals will not be certain of what they are receiving when they make transactions. Acceptability.] eqnzk&LQhfr] eqnzk&ladqpu] voLQhfr] mPp Lrjh. BHOPAL PHONE (0755)2665306. LALGHATI. If the value of money is not stable. Accounting.j euh] fM. In other words.

k] xf. Research Methodology.Ckd] byrqr fe’k] jft. Viva Voice B.com 33 . Phenology. MOBILE 08602511011 www. Social Science. Emerging Indian Society.kZoj.½] vk/kqfud bfrgkl (Modern History) POLITICAL SCIENCE Hkkjr NksM+ks vzkanksyu] nkaMh .rs fxfje~] er~ d`ik reaga oUns] ijekuan ek/koe~ M.k lqyrku] ukfljmíhu] egewn xt+uoh] vykmíhu f[kyth] fQjkst+ rqxyd] fldanjykSnh] bczkfge ykSnh] CkkCkj] gqek.] lkbeu deh’ku] uje ny] xje ny] Hkkjrh. Dissertation.Ed. English. iz’kklfud iz. Home Work.kkyh] dkfeZd iz’kklu] rqYukRed yksd iz’kklu] foRr izf’k{k.k iz’kklu] SOCIOLOGY bfrgkl] lafo/kku] ukxfjdrk] ifjokj dk fo?kVu] lkekftd izk. Accounting for Planning Control and Decision Making. fyax.kfu 'yksd eqda djksfr okpkya] iaxq yX.Sc and B.PHIL Financial Analysis Control. Urban Society in India. Development of Learner and Teacher.½] ikuhir dh yM+kbZ ¼r`rh. laLd`fr (ldkjkRed . VIJAY NAGAR.Ed.qa] vdcj] tgkaxhj] 'kkgtgka] vkSjaxt+sc] ikuhir dh yM+kbZ ¼izFke½] ikuhir dh yM+kbZ ¼f}rh. 56-A.oa udkjkRed). LALGHATI. Criminology.HISTORY East India Company. Population SABDHANI COACHING INSTITUTE.ksx vkanksyu] lfou.. foHkfDr. Learning Process. Primary Training.kkfy. ikf.kr] HkkSfrd] bfrgkl] fgUnh] cPPkksa dks f’k{kk nssus ds rjhds (Methods of Teaching) Bags-Burden. BHOPAL PHONE (0755)2665306.kh] lkekftd ifjorZu] Hkkjrh. i.k=k] ukxfjdrk] vlg. lafo/kku PUBLIC ADMINISTRATION varjkZ"Vªh. voKk vkanksyu] ued vkanksyu] ok. SANSKRIT jkepfj=. j?kqoa’k ifjp. Integrated Course for B.ljk.ka] HkrhZ iz. Teaching Training. Development of Education System. lyrurdky] dqrqcqíhu .sabdhanicoaching. Essentials of Education/Teacher. Sociology of change and development. Indian society sinecure and change.

BHOPAL PHONE (0755)2665306. VIJAY NAGAR.sabdhanicoaching. 56-A. MOBILE 08602511011 www.com 34 .BANKING KNOWLEDGE SABDHANI COACHING INSTITUTE. LALGHATI.

VIJAY NAGAR. 56-A. MOBILE 08602511011 www. scientific or technological) or any particular implication for this organization and its products or services in the recent past ? If so. if the organisaton needs to send you there ? 4. what are they ? 2. 4. economical. You should go to any of the Branch/Office of the Bank/Organisation to get the information/knowledge of various schemes. LALGHATI. What do you think you will do. Are you willing to be posted at a village centre/or another part of the country. of the Organisation/Bank. You should also collect from internet/website details of various schemes etc. Which part of the organisation’s functions are you most interested in and why ? 3. political. if required ? 5. You should have some practical knowledge about the working of Bank/Organisation. 3. How would you feel about working at irregular hours or overtime. Have you got any development (social. 2. if you do not get this particular job ? SABDHANI COACHING INSTITUTE. What are your strengths and weaknesses ? 6.sabdhanicoaching.ORGANISATION / BANKING KNOWLEDGE 1.com 35 . forms for deposit and loans etc. You should reply the following questoins properly 1. BHOPAL PHONE (0755)2665306.

Working Times suitable 14. BHOPAL PHONE (0755)2665306. Development of Personality possible 9.com 36 . Extra facilities available [Home Loan. Public Relations maintained 2. Fulfilling of social responsibilities 18. LALGHATI. Secured job particularly for males/females due to availability of Security Guards 15. Promotion chances available 4. Security of Employee/Officer available due to Insurance of Cash in Banks 11. 56-A. No or less Corruption seen 3. Leave Travel Concession (LTC). Leave Fare Concession (LFC) etc. Place to work with happy mood 21.] 16.REASONS FOR PREFERRING THIS JOB 1. Medical Facility. Helping in economic development of the country 19. Good Companions 8. Team Work 7. Neat and clean atmosphere SABDHANI COACHING INSTITUTE. Employees/Officers are charged with low rate of interest for Home Loan. Package according to our talents/education received 5. No difference but family atmosphere maintained between officers and clerks 12. No shabby furniture and no congested situation 22. Training facilities available 10. 17. Vehicle Loan etc. Full Job-Satisfaction 20.sabdhanicoaching. Vehicle Loan. MOBILE 08602511011 www. Good image of the Bank/Organisation among the public 6. VIJAY NAGAR. Confirmation of job after 6 months for Clerks/24 months for Officers 13.

IDENTITY PROOF FOR OPENING BANK ACCOUNT
NAME OF DOCUMENT

ISSUING AUTHORITY

Passport

Regional Passport Office

Unique Identification Card
(U ID CARD/AADHAR CARD)

Unique Identification Authority of
India (UIDAI)

Voter Identity Card

Chief Election Commission of India

Driving Licence

Regional Transport Office (RTO)

Permanent Account Number (PAN)

Income Tax Office

Ration Card with Photo

Municipal Corporation

Water Bill

Municipal Corporation

Property Tax Bill

Municipal Corporation

Telephone Bill

Bharat Sanchar Nigam Limited
(BSNL)

Bank Account Pass Book

Concerned Bank Branch Office

Credit Card Statement

Concerned Bank Branch Office

Card Issued by Employees State
Insurance Corporation

Employees State Insurance
Corporation (ESIC)
Madhya Pradesh Vidyut Vitran
Company Limited (MPVVCL)

Electricity Bill
Gas Bill

Concerned Gas Distributer Agency

Life Insurance Policy

Life Insurance Corporation of India
(LIC)

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

37

DUTIES & LIABILITIES OF BANK CLERKS
1.

Receipt of Cash (For Deposit Accounts and Loan Accounts)

2.

Payment of Cash (For Deposit Accounts and Loan Accounts)

3.

Counting of various Notes

4.

Counting of various Coins

5.

Depositing extra Cash to nearby Branches / Banks / RBI Office

6.

Collecting Cash from nearby Branches / Banks / RBI Office

7.

Issue of Drafts

8.

Issue of Challans

9.

Issue of Loose Cheques

10.

Issue of Cheque Books

11.

Issue of Pass Books for Savings Bank Accounts

12.

Issue of Statements for Current Accounts

13.

Issue of Debit Cards/Credit Cards

14.

Issue of ATM Cards

15.

Receipt of Dak and its maintenance

16.

Despatch of Dak and its maintenance

17.

Opening of various Deposit Accounts

18.

Opening of various Loan Accounts

19.

Computerization of entries of various Accounts

20.

Completion of entries in Pass Books for Customers

21.

Entertaining Customers and attending their Enquiries

22.

Dealing with the Standing Instructions of Customers

23.

Maintenance of Clearing (Inward / Outward)

24.

Typing Work

25.

Sending of Notices to Defaulters

26.

Maintenance of Records of Customers' Transactions

27.

Making/Preparing Salary for Staff

28.

Making of various Returns for Controlling Office

29.

Correspondence

with

/

Responding

to

the

Customers

/

Controlling Office / Various Government Departments
30.

Maintenance of Stationery / Records

31.

Handling of various Bills of Exchange
SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

38

DUTIES & LIABILITIES OF BANK OFFICERS
1.

Supervising and Authenticating the Entries/Works done by Clerical/
Subordinate Staff

2.

Arranging and Distributing Cash to Cash Staff

3.

Maintenance / Distribution of Pension to Pensioners

4.

Analysis of Loan Proposals

5.

Disbursement of Loans and Completion of Formalities for the Loan

6.

Arrangement of Loan Fare (Mela)

7.

Recovery of Loans to reduce Non Performing Assests (NPA)

8.

Safe Guard of Lockers / Opening of Lockers for Customers /
Handling of keys of Safe and Lockers

9.

Safe Custody of Cash, Security Forms and Gold

10.

Maintenance of Computer Systems / System Officer

11.

Deposit Mobilization Work

12.

Issue of ATM Cards

13.

Issue of Credit Cards

14.

Issue of Kisan Cards

15.

Feeding of Cash in ATMs (Automated Teller Machines)

16.

Field Work in Business / Industries / Agriculture Areas

17.

Dealing with Foreign Exchange

18.

Decision making

19.

Allotment of duties (works) to staff

20.

Making of various Returns for Controlling Office

21.

Correspondence with / Responding to the Customers
Controlling Office / Various Government Departments

22.

Liaison (Public Relations)

23.

Giving Training to staff

24.

Mobile Banking

25.

E-Banking

26.

Marketing

27.

Insurance

28.

Mutual Fund

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

39

DETAILS OF SALARY FOR BANK STAFF
1.

FOR CLERKS - Basic Pay Scales [Rs.7200-400(3), 8400-500(3), 9900600(4), 12300-700(7), 17200-1300(1), 18500-800(1), 19300, Plus Two
Increments towards Graduation]
FOR OFFICERS - Basic Pay Scales [Rs.14500-600(7), 18700-700(2),
20100-800(7), 25000]

2.

Dearness Allowance

3.

House Rent Allowance

4.

City Compensatory Allowance

5.

Hill & Fuel Allowance

6.

Travelling Allowance

7.

Conveyance Allowance

8.

Petrol Expenses

9.

Overtime

10.

Bonus

11.

Pension

12.

Gratuity

13.

Provident Fund

14.

Medical Facility

15.

Leave Fare Concession (LFC)/Leave Travel Concession (LTC)

16.

Leave Encashment

DETAILS OF LEAVE FOR BANK STAFF
1.

Casual Leave

2.

Privilege (Earned) Leave

3.

Medical Leave

4.

Maternity Leave

5.

Paternity Leave

SABDHANI COACHING INSTITUTE, 56-A, VIJAY NAGAR, LALGHATI, BHOPAL
PHONE (0755)2665306, MOBILE 08602511011 www.sabdhanicoaching.com

40

State Bank of Hyderabad. After 1959 State Bank of India took over seven State Owned Banks as its Subsidiary Banks (Associate Banks). namely.M~l ls lEcaf/kr dk.HISTORY OF BANKS On 2nd June 1806 Bank of Calcutta was established in the then Calcutta. It ceased to function as the Central Bank of Pakistan Government.Z djuk SABDHANI COACHING INSTITUTE.Vh. In First Five Year Plan (1951) development of Rural India was given highest priority by Government of India. (Foreign Currency Exchange) ls lEcaf/kr dk. State Bank of Mysore. State Bank of Bikaner & Jaipur. 14 Banks were nationalized. These are State Bank of Bikaner & Jaipur.Z djuk E.sabdhanicoaching. In the year 1955 Government passed an Act. State Bank of Indore.Z djuk chek (Insurance) ls lEcaf/kr dk. State Bank of Patiala. Out of 6 Banks. State Bank of Hyderabad. The merger of all these five Asscoiate Banks is expected to take its place in near future. State Bank of Saurashtra was merged with State Bank of India on 5th September 2008 and State Bank of Indore was merged with State Bank of India on 13th October 2010. These three Banks were amalgamated to form Imperial Bank on 27 January 1921. This Imperial Bank was performing as (1) Commercial Bank (2) Bankers' Bank and (3) Banker to the Government. 6. State Bank of Patiala and State Bank of Travancore. RBI was shifted to the then Bombay in 1937. 10. Accordingly on 1st July 1955 State Bank of India was established from Imperial Bank of India. MOBILE 08602511011 www. 4. 56-A. 5. 6 Banks were nationalised. 2.e dkM~lZ tkjh djuk fons'kh fofue. State Bank of Saurashtra and State Bank of Travancore. On 2nd January 1809 this was redesigned as Bank of Bengal.k iznku djuk uxn @ pSd @ Mªk¶V n~okjk jkf’k dk ysu&nsu djuk ykWdj lqfo/kk nsuk ØsfMV @ MsfcV @ .wpqvy Q.k nsuk lekt ds det+ksj oxkasZa dks lgk. One Bank (New Bank of India) was merged with Punjab National Bank on 4th September 1993.ksa . 9. yksxksa dh uxn jkf’k lqjf{kr tek djuk t++:jrean yksxksa dks _.com 41 . 3. On 1st April 1935 Reserve Bank of India (RBI) was established in the then Calcutta. Hence State Partnered Banks and State Sponsored Banks were created.rk nsuk O. State Bank of Mysore. After India's independence on 15th August 1947 RBI was nationalised on 1st January 1949. 8. On 15th April 1980. BHOPAL PHONE (0755)2665306. On 19th July 1969. 7. Thereafter the Imperial Bank became Agent of RBI for Government Business and Foreign Exchange Business. LALGHATI.olkb.Z 1. At present only five Associate Banks of State Bank of India are working. cSadksa ds dk.ksa dks _. VIJAY NAGAR. This Bank of Bengal was followed by Bank of Bombay on 15th April 1840 and Bank of Madras on 1st July 1843.oa m|ksxifr.

SABDHANI COACHING INSTITUTE.sabdhanicoaching.g. Manages the Foreign Exchange in accordance with Foreign Exchange Management Act. Announces the Credit Policy (twice a year). so that it can achieve the objective of price stability as well as economic development. IDBI etc. LALGHATI.dj. Maintains the economic structure of the country. Development Role Performs a wide range of promotional functions to national objectives.200 crores worth Gold and Securities. Keeps minimum statutory limit of Rs. Reviews the April policy in October.com 42 . 2. Maintains Price Stability. 3. Formulates schemes for effective redressal of complaints by customers. MOBILE 08602511011 www. The Central Office of the Reserve Bank of India was initially established in Calcutta (now Kolkatta) but was permanently moved to Bombay (now Mumbai) in 1937. 4. Foreign Exchange Control Facilitates external trade and payment. Issues any amount of currency notes. fjt+oZ cSad RESERVE BANK OF INDIA bldh LFkkiuk 1 vizSy 1935 esa gqbZ Fkh A bldk jk"Vªh. Establishes financial institutions of national level e. Announces New Policy in April. NABARD. FUNCTIONS OF RESERVE BANK OF INDIA 1. It was established on 1st April 1935. Gives the public adequate supply of currency of good quality. BHOPAL PHONE (0755)2665306.g Hkkjr ljdkj dk cSad] dsUnzh. Financial System Maintains public confidence in the system. Ensures adequate flow of credit to productive sectors. Prescribes broad parameters of banking operations within which the country’s banking and financial system functions. Provides cost effective baning services to the public. 5. RBI has now been fully owned by the Government of India since its nationalization in 1949. VIJAY NAGAR. Promotes orderly development and maintenance of Foreign Exchange Market in India. Issue of Currency Issues and exchanges destroyed currencies and coins not fit for circulation. The basic objectives of RBI are to issue Bank Notes. implements and monitors the Monetary Policy (twice a year).Hkkjrh.k 1 tuojh 1949 dks gqvk Fkk A . 56-A. to maintain the currency and credit system of the country to utilize it in its best advantage and to maintain the reserves. Protects depositors’ interests. cSad] cSadkas dk cSad dgykrk gS A The Reseve Bank of India is the Central Bank of India.1999. 6. Provides loans to Commercial Banks to maintain or improve the GDP. Monetary Authority Formulates. The originally privately owned. Maintains optimum liquidity in the economy. Note Issue System Maintains minimum reserve system for Note Issue.

LVsV cSad dh lgk. 56-A. LALGHATI. 6.kfT. It provides a range of banking products through its vast network in India and overseas. In tune with the first Five Year Plan. State Bank of Travancore 12th September 1945 There are Five associate banks that fall under SBI. SABDHANI COACHING INSTITUTE. Local Head Office. Hkkjrh.d cSadksa ds ysu&nsu ds dk. fLFkj j[kuk fons’k fofue. including products aimed at NRIs. 8. VIJAY NAGAR. SBI has emphasis on reducing the huge manpower through golden handshake schemes and computerizing its operations. Government of India has taken over charge of State Bank of India from Reserve Bank of India. MOBILE 08602511011 www. State Bank of Bikaner & Jaipur 1st January1963 2. the then banks that become the associate banks belonged to princely states until the government nationalized them in 1959. 3. All use the same logo of a blue key and all the associates use the “State Bank” name followed by the regional headquarters’ name.Z pykuk iqjkus .com 43 .fjt+oZ cSad ds dk.Z dks fu. BHOPAL PHONE (0755)2665306. lk[k uhfr ¼Credit Policy½ tkjh djuk ewY. NAME OF SUBSIDIARY BANK DATE OF ESTABLISHMENT 1. emphasizing the development of India. LVsV cSad STATE BANK OF INDIA bldh LFkkiuk 1 tqykbZ 1955 esa bEihfj.d cSad ASSOCIATE BANKS OF STATE BANK OF INDIA (BHMPT) NO. nj esa LFkkbRo ykuk fodkl lEca/kh oSdfYid dk. Zonal Office. Branch Office Hkkjrh.k nsuk 1. 4. State Bank of Mysore 1st March 1960 4. There has been a proposal to merge all the associate banks into SBI to create a “mega bank” and streamline operations. 5.sabdhanicoaching. 9.Z eqnzk tkjh djuk okf. Originally. Regional Office. government integrated these banks into State Bank of India to expand its rural outreach. uksVksa dks cnyuk 7. State Bank of Patiala 1st April 1960 5. On 5th September 2008 State Bank of Saurashtra was merged with State Bank of India and on 13th October 2010 State Bank of Indore was merged with State Bank of India. State Bank of Hyderabad 1st October 1959 3. SET UP OF STATE BANK OF INDIA Central Office.af=r djuk fudklh ?kj pykuk cSadksa dks _. 2. and together these banks constitute the State Bank Group.oa QVs gq.y caSd ls gqbZ Fkh A State Bank of India is the largest bank in India as well as in the world as measured by its number of branches and employees.

LALGHATI.com 44 .k nLrdkjksa dks enn nsuk 4.. In order to provide access to low-cost banking facilities to the poor. NksVs O. SBI Act 1955 MONO OF STATE BANK OF INDIA AND ITS MEANING LVsV cSad ns'k dk lcls cM+k cSad] lcls NksVs vkneh dh lsok ds fy. VIJAY NAGAR. In addition.Group Companies of SBI SBI Capital Markets Ltd. Ltd. The RRBs Act. Although the Cooperative Banks and the Commercial Banks had reasonable records in terms of geographical coverage and disbursement of credit. SBI Life Insurance Co. SBI Funds Management Pvt. SBI Cards & Payment Services Pvt.ksa rFkk y?kq m|ksxksa dks c<+kok nsuk 5. MOBILE 08602511011 www. SBI Factors & Commercial Services Ltd. Ltd.Z 1. fo'o esa LVsV cSad }kjk c<+rs tkuk vkfFkZd fodkl ds {ks= dh pkch LVsV cSad ds ikl PUNCHLINE BANKER TO EVERY INDIAN REGIONAL RURAL BANKS (RRB) The Regional Rural Banks (RRBs) were established to meet the excess demand for institutional credit in the rural areas. SBI United States Operations.. {ks=h... fdlku dkMZ tkjh djuk SABDHANI COACHING INSTITUTE. 56-A. {ks=h.sabdhanicoaching. Online SBI. xzkeh..k nsuk 2. yet the Cooperative Banks were dominated by the rural rich in terms of population group. BHOPAL PHONE (0755)2665306. xzkeh.k cSad ¼LFkkiuk o"kZ & 26@09@1975½ Ø- dk. particularly among the economically and socially marginalized sections. while the Commercial Banks had a clear urban bias. SBI Mutual Fund. the Narasimham Working Group (1975) proposed the establishment of a new set of banks to combine the local feel and the familiarity with rural problems. SBI Canada Operations. SBI Discount & Finance Group of India Ltd. and this was a sector where the RRBs could play a meaningful role. the potential and the need for diversification of economic activities in the rural areas had begun to be recognized.kikfj. ea>ksys fdlkuksa dks _. Online SBI (Global). External Links of SBI Main SBI Site. Ltd.rk djuk 3. Hkwfeghu et++nwjksa dh lgk. 1976 fulfills both of the above objectives.

wukbVsM osLVuZ cSad fyfeVsM iatkc us’kuy cSad Hkkjrh. 14.k cSad dkWjiksjs’ku cSad vkU/kzk cSad iatkc . 3.k ls jksduk 2. 13.com 45 .wukbZVsM cSad vkWQ bf.ksa dks izf’k{k. 8.k . 6. 56-A.M flU/k cSad vksfj.qfu. MOBILE 08602511011 www.k iz/kku dk. VIJAY NAGAR. 1. eqacbZ eqacbZ eqacbZ eqacbZ dksydkrk dksydkrk dksydkrk pSUubZ pSUubZ ubZ fnYyh cM+ksnk eaxyksj e. PNB esa ¼4-09-1993½ cSadksa dk foy. 4.kZy .u cSad vkWQ bf. LVsV cSad vkbZlhvkbZlhvkbZ cSad vkbZ-Mh-ch-vkbZ- 04 05 13 18 01 flrEcj 1993 flrEcj 2008 vDVwcj 2010 ebZ 2010 vDVwcj 2006 SABDHANI COACHING INSTITUTE.k .MhdsV cSad cSad vkWQ egkjk"Vª cSad dk uke 1. 9.dj. 5.u+ cSad iatkc us’kuy cSad cSad vkWQ cM+ksnk dsukjk cSad fl.UVy cSad vkWQ dkWelZ U.k bykdksa esa cSafdax lsok. foy. 2.kikj dks c<+kuk 6.k Ø.M. 7.dj. 3. 15 vizSy 1980 dks 6 cSadksa dk jk"Vªh. 4. 4.kZy . MERGER OF BANKS cSad esa foy.M.a c<+kuk 4. dh frfFk U.cSad dk foy.M. fot.ks eaxyksj eaxyksj gSnjkckn ve`rlj ubZ fnYyh foy.khiky iq. 10.u vksojlht+ cSad bf.M. 11.wukbZVsM dkWef’Zk. BHOPAL PHONE (0755)2665306. 5.M.sabdhanicoaching.w cSad vkWQ bf.k 7. 2.ksa dks dsUnzh. 6. 2.k LVsV cSad vkWQ LkkSjk"Vª LVsV cSad vkWQ bankSj CkSad vkWQ jktLFkku fyfeVsM . cSad deZpkfj.k nsuk cSad . izkFkfedrk ds {ks= ¼tSls d`f"k] y?kq m|ksx vkfn½ dks _. fons'kh O. 1. LVsV cSad Hkkjrh. xzkgdksa ds fgrksa dh vf/kd lqj{kk djuk 5. xzkeh.dj.k cSad vkWQ bf.M.y cSad ¼. cSad deZpkfj. 5. 12. Ø1.k iznku djuk 3.cSad jk"Vªh. LALGHATI.wdks cSasd½ bykgkckn cSad bf. vkfFkZd ’kfDr.ksa dks csgrj lsok lqfo/kk miyC/k djkuk 19 tqykbZ 1969 dks 14 cSadksa dk jk"Vªh.M.M.dj. Ø- lsUVªy cSad vkWQ bf.w cSad vkWQ bf..k cSad dk uke iz/kku dk.k ds mn~ns’. 3.

Stock Exchanges 18. VIJAY NAGAR. 5. MOBILE 08602511011 www.B. 8. RBI (Reserve Bank of India) SBI (State Bank of India) 5 SBI Associates 19 Nationalised Banks IDBI (Industrial Development Bank of India) Scheduled Commercial Banks Non-Scheduled Commercial Banks NABARD (National Bank for Agriculture & Rural Development) HDFC (Housing Development & Finance Corporation Bank) 10.HkkjRkh. 1924 Kotak Mahindra Bank 1985 Karur Vysya Bank Ltd. Non-Banking Financial Companies 17. 4. 2. eqnzk ckTk+kj ds laxfBRk {ks= Ø- uke 1. SIDBI (Small Industries & Development Bank of India) 11. Co-operative Banks. 9. Post Offices (S. 3. 2. 1905 Yes Bank 2004 SABDHANI COACHING INSTITUTE.sabdhanicoaching. eqnzk ckt+kj ds vlaxfBRk {ks= Ø1. 7. Private Banks 16. 1916 Lakshmi Vilas Bank 1926 Nainital Bank 1912 Saraswat Bank 1918 South Indian Bank Ltd. 56-A. 3.com 46 . BHOPAL PHONE (0755)2665306. Export & Import Bank of India 12. LALGHATI. Regional Rural Banks 14. Foreign Banks 15. 6. uke ns’kh cSad egktu lkgwdkj SOME PRIVATE BANKS AB CBP CSB CUB DB DCB FB HDFCB IB ICICIB KB KMB KVB LVB NB SB SIB YB Axis Bank (formerly Unit Trut of India Bank) 1995 Centurion Bank of Punjab 1994 Catholic Syrian Bank 1920 City Union Bank 1904 Dhanlaxmi Bank 1927 Development Credit Bank 1930 Federal Bank 1931 Housing Development Finance Corporation Bank 1994 Indusind Bank 1994 Industrial Credit & Investment Corporation of India Bank 1996 Karnataka Bank Ltd. Land Development Banks 13. Accounts) Hkkjrh.

MOBILE 08602511011 www. 56-A. lgdkjh cSad ft+yk lgdkjh cSad LFkkuh. VIJAY NAGAR.com 47 . LALGHATI. lgdkjh cSad SABDHANI COACHING INSTITUTE.SOME FOREIGN BANKS ABNARB ADCB AEB BB BOA BOC CB CB DB DBS FB HSBC RBS SB SBM SCB UBS Algemene Bank Nederland Amsterdam-Rotterdam Bank Abu Dhabi Commercial Bank American Express Bank Barclays Bank Bank of America Bank of Ceylon Calyon Bank Citi Bank Deutsche Bank Development Bank of Singapore Fidelity Bank Hongkong Shanghai Bank Corporation Royal Bank of Scotland Sonali Bank State Bank of Mauritius Standard Chartered Bank Union Bank of Switzerland SOME REGIONAL RURAL BANKS (RRBs) AGB AGB BUGB CSKGB DPSPGB GGB IUKGB JDKG JNAGB KKGB KRGB MBGB MGB RKGB RMKGB RSGB SGKGB VBKGB VGB Allahabad UP Gramin Bank Avadh Gramin Bank Baroda Uttar Pradesh Gramin Bank Chhindwara Seoni Kshetriya Gramin Bank Damoh Panna Sagar Kshetriya Gramin Bank Gurgaon Gramin Bank Indore Ujjain Kshetriya Gramin Bank Jhabua Dhar Kshetriya Gramin Bank Jaipur Nagpur Aanchlik Gramin Bank Kanpur Kshetriya Gramin Bank Jamnagar Rajkot Gramin Bank Madhya Bharat Gramin Bank Malabar Gramin Bank Raigarh Kshetriya Gramin Bank Ratlam Mandsaur Kshetriya Gramin Bank Rewa Sidhi Gramin Bank Shivpuri Guna Kshetriya Gramin Bank Vidisha Bhopal Kshetriya Gramin Bank Vananchal Gramin Bank dqN lgdkjh cSad jkT.sabdhanicoaching. BHOPAL PHONE (0755)2665306.

e. 9. Post Office Savings Account . 3. BHOPAL PHONE (0755)2665306. 16. 11. Previously it was being calculated on the basis of minimum balance between 10th and the last date of the month.Rate of Interest – 8. Place of Head Office or Central Office Number of Local Head Offices (LHO) Number of Zonal Offices (ZO) Number of Regional Offices (RO) Number of Branches Offices (BO) Number of ATM (Automated Teller Machines) Number of Employees Name of Chairman and Managing Director History Date of Establishment Date of Nationalisation Rank/Grade Punch Line/Mono/Slogan Latest Schemes/Products Prizes/Medals/Rewards Base Rate RBI INSTRUCTIONS The Reserve Bank of India has deregularised Rate of Interest on Saving Bank Accounts with effect from 25/10/2011 and has permitted Commercial Banks to decide the Rate as per their own wish but on the amount above 1 Lac only and for the amount below 1 lac the Rate of Interest on Savings Bank Accounts to be paid by all Commercial Banks to their customers should be equal i. LALGHATI. 8.com 48 .Rate of Interest increased from 3. MOBILE 08602511011 www.8% with effect from 1st April 2012.000. Public Provident Fund (PPF) Account .e. 7.l. 5. VIJAY NAGAR.xk A Green Channel for Paper Savings Validity of Cheques will be 3 months only with effect from 01-04-2012 GOVERNMENT INSTRUCTIONS Public Sector Banks should open branch in every village having population of more than 2. 15. 56-A. 14. SABDHANI COACHING INSTITUTE. 2.5% to 4%.sabdhanicoaching. 4%. 4. 12. 13. cSad }kjk 1 tqykbZ 2011 ls gj ysunsu ij xzkgdksa dks . The interest on Savings Bank Accounts will now be calculated on Daily Basis.l vkSj bZesy vyVZ Hkstk tk.FOLLOWING INFORMATIONS TO BE ASCERTAINED FROM THE WEBSITE OF THE CONCERNED BANK/ORGANISATION 1. 10. 6.

[kkrs Sundry Deposit Account Suspense Account Interest Account Commission Account Exchange Account Draft Account Banker Cheque Account 1. 6. 2.kZy. Rupee Travellers Cheque Gift Cheque SABDHANI COACHING INSTITUTE. BANK’S INCOME BANK’S EXPENDITURE Salary Rent Furniture Stationery Office Management KINDS OF BANK CHEQUES 1.. 2. 1. 3. VIJAY NAGAR. 6. 3. 11. 4. 7. 3. 8. 2. 10. 2. 2.k [kkrs Personal Loan Account Home Loan Account Vehicle Loan Account Gold Loan Account Educational Loan Account Business Loan Account Industrial Loan Account Agricultural Loan Account Cash Credit Account Over Draft Account Loans against Securities Account OFFICE ACCOUNTS dk. 2. 4.KINDS OF BANK ACCOUNTS cSad DEPOSIT ACCOUNTS 1. 7. 3. 9.com 49 . BHOPAL PHONE (0755)2665306. 5. 4. ds [kkrksa ds izdkj tek [kkrs Current Account Savings Bank Account Fixed (Term) Deposit Account Recurring Deposit Account LOAN ACCOUNTS 1.sabdhanicoaching. _. 56-A. 4. 5. cSad dh vk. 3. 1. 5. Interest Savings Bank Account Exchange Profit cSad dk O. cSad ds pSdksa ds izdkj Bearer Cheque Order Cheque Simple Crossing Cheque Account Payee Crossing Cheque Banker Cheque. 5. 3. LALGHATI. MOBILE 08602511011 www. 6. 4. 4.

7. MOBILE 08602511011 www.d gS A foFkMªkoy&QkWeZ mlh frfFk dk gh gksrk gsS A foFkMªkoy&QkWeZ dk xzkgd ls dksbZ [kpkZ ugha fy.k tkrk gS A Mªk¶V ckmUl ugha gksrk gS A Mªk¶V dk Hkqxrku mlh cSad@czkap ls u izkIr gksdj ds fdlh vU.sabdhanicoaching.k tkrk gS A pSd esa . 5.DlpSat yxrk gS A 3. cpr cSad [kkrk esa C.ksa ds uke ls gh [kksyk tk ldrk gS A pSd vkSj Mªk¶V esa vUrj Ø- pSd Mªk¶V 1.k tk ldrk gS A Mªk¶V dks jn~n djok. 4. 5. lqfo/kktud gS A Pkkyku nks izfr.k tkrk gS A 3. 6.kikfj.knk csSysUl j[kuk vko’. cpr cSad [kkrk esa ysu&nsu lhfer gksrs gSa A cpr cSad [kkrk vke O.h gks ldrk gS A pSd ds lkFk ikl&cqd gksuk vko’. 5. 4. pkyw [kkrk esa ysu&nsu vlhfer gks ldrs gaS A pkyw [kkrk O.k tkrk gS A pkyw [kkrk flQZ pSd okyk gh gksrk gS A There is no limit of transactions in Current Account. pSd vkSj foFkMªkoy&QkWeZ esa vUrj 3. Mªk¶V fdlh Hkh cSad ls cuok. 56-A. BHOPAL PHONE (0755)2665306. 4. foFkMªkoy&QWkeZ pSd dk Hkqxrku mlh cSad dh fdlh vU. 2.fDRk ds uke ls Hkh [kksyk tk ldrk gS A 3.k tk ldrk gS A pSd lqfo/kk okys [kkrksa esa T+. pkyw [kkrk pkyw [kkrk esa C. 2. .k tk ldrk gS A fcuk pSd lqfo/kk okys ¼foFkMªkoy&QkWeZ ds½ [kkrkasa essa de cSysUl Hkh j[kk tk ldrk gS A Pkkyku vkSj Mªk¶V esa vUrj Ø- Pkkyku Mªk¶V 1. 6.DlpSat yxrk gS A Mªk¶V vkWu&ykbZu nj[okLr Hkstus ds fy.d ugha gsS A pSd rhu ekg ds igys dh frfFk dk gks ldrk gS A pSd dk [kpkZ xzkgd ls fy.kt fcYdqy ugha feyrk cfYd dqN lfoZl pktZ yxrk gS A pkyw [kkrk esa LVsVesaV tkjh fd.k tkrk gS A pkyku flQZ mlh caSd ls cuok. pSd xzkgd@cSad }kjk tkjh fd.k tkrk gS A foFkMªkoy&QkWeZ ls Hkqxrku cSad dh flQZ mlh 'kk[kk ls gh izkIr fd. pSd MICR gks ldrk gS A pSd fc.DlpSat ugha yxrk gS A Mªk¶V cSad }kjk gh tkjh fd.k tkrk gS A Mªk¶V esa . pSd [kkrsnkj ds }kjk cSysUl u gksus ij Hkh tkjh fd.k fcuk pSd okyk gks ldrk gS A Transactions are limited in Savings Bank Account.ksa@QeksZ@dEifu.k tk ldrk gS A pSsd ckmUl gks ldrk gS A pSd dk Hkqxrku mlh cSad@czkap ls izkIr gksrk gS tgka [kkrk gks A pSd /kkjd (Bearer) Hkh gks ldrk gS A Mªk¶V igys iSls tek djus ij gh cSad }kjk tkjh fd. 2. Pkkyku ds fy. cpr CkSad [kkrk esa ikl cqd tkjh dh tkrh gS A cpr cSad [kkrk pSd .V&is. 'kk[kk ls Hkh izkIr fd. lqfo/kktud ugha gsS A Mªk¶V cSd }kjk .jj] vkWMZj] ØWkLM] vdkm. 5.DlpsSat ughaa yxrk gS A Pkkyku vkWu&ykbZu nj[okLr Hkstus ds fy.k tk ldrk gS A SABDHANI COACHING INSTITUTE.d gS A foFkMªkoy&QkWeZ MICR ugha gksrk gS A foFkMªkoy QkWeZ flQZ ^lsYQ* gh gksrk gS A foFkMªkoy&QkWeZ ds lkFk ikl&cqd gksuk vko’.oa pkyw [kkrk esa vUrj Ø- cpr cSad [kkrk 1.ksa esas cSad }kjk tkjh fd. cSad@czkap ls izkIr gksrk gS A Mªk¶V /kkjd (Bearer) ugha gksr k gS A Ø- pSd 1.cpr cSad [kkrk .kt feyrk gS A 2.k tkrk gS A 4.d gh tkjh fd.k tk ldrk gS tks lEcaf/kr gks A pkyku cuus ds ckn jn~n (Cancel) ugha gksrk gS A Mªk¶V esa . VIJAY NAGAR. LALGHATI.com 50 .

9. Intaglio print includes1) The guarantee and the promise clause of RBI 2) Signature of RBI Governor 3) Seal of RBI 4) Portrait of Mahatma Gandhi 5) The Pillar Emblem of Ashoka. 3. 2. The word RBI and Denomination amount number can be seen on the front right side of the note just next to Gandhiji’s clear picture inside the gap of the vertical band (flower like design) SABDHANI COACHING INSTITUTE. Upon holding the note against light. MOBILE 08602511011 www.4 mm wide. just above the Dark Patch.100 it is triangle. the number of optical fiber is easy and frequent on it. 7. BHOPAL PHONE (0755)2665306. and in Rs. The patch differs in size. In a particular angle the original note changes its colour from green to blue.20 it is vertical rectangle. in Rs. Two different words RBI and Bharat are written in Devnagri scripts. The carbon black colour appears in break on the front side of note and full straight line on the back side of the note. Latent Image of Denomination can be seen when the note is hold horizontally with right vertical band. LALGHATI. 56-A. VIJAY NAGAR.vlyh@ud+yh uksV dh igpku IDENTIFICATION OF FAKE INDIAN CURRENCY NOTES 1. Under ultra violet light the original note will glow in yellow but the fake note will not glow. 8. 6.sabdhanicoaching. When the Note is hold under ultra violet blue light.500 it is circle. In the note worth Rs. Intaglio print is absent in fake note. A Dark Patch (intaglio print) on the left side of the note near Mahatma Gandhi picture can be felt even by the visually impaired (blind) people.1000 it is in diamond shape. in Rs.com 51 . whereas in fake note it is seen non-smiling or absent. there is a Floral Design which can be seen on the front side and it is filled in the back side of the note on which denomination numbers are displayed. 5. 4. The security thread in the original note is 1. in Rs. The WATERMARK on the blank portion of the note shows the smiling face of Mahatma Gandhi. where as on duplicate (fake) note it is very less.50 it is square patch.

SABDHANI COACHING INSTITUTE.sabdhanicoaching. LAB (LOCAL AREA BANK) . or from the remaining balance on the card.e.com 52 . djus ds fy. This series of characters provides the receiving party with information needed for processing the cheque including cheque number. MOBILE 08602511011 www.g e’khu Vp&LØhu gksrh gS A CkSadksa }kjk viuh vko’.g .ls bt+kt+r ysus dh t+:jr ugha gS A mUgsa flQZ lwpuk nsus dh vko’. 5. bank routine number. Next 3 digits for Bank and Last 3 digits for Branch.g 6 ekg ds fy. tkus okys i{kdkj }kjk ekaxus ij ns. as defined by the American National Standards Institute (ANSI). In some cases. ATM (AUTOMATED TELLER MACHINE) CkSad vius xzzkgdks dks /ku iznk. DC (DEBIT CARD) ATM C (AUTOMATED TELLER MACHINE CARD) A debit card (also known as a bank card) is a plastic card which provides an altenative payment method to cash when making purchases. CC (CREDIT-CARD) A Credit card is part of a system of payment named after the small plastic card issued to users of the system.-Vh-. 6. bl bysDVªkfud e’khu dk iz. VIJAY NAGAR. the cards are designed exlusively for use on the Internet. vkj-ch-vkbZ. BHOPAL PHONE (0755)2665306.drk gS A 2.slk cSad] ftldk {ks= lhfer . MICR (MEGNETIC INK CHARACTER RECOGNITION) First 3 digits for City. LALGHATI. The issuer of the card grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. It consists of magnetic ink printed characters of a special design which can be recognized by high speed magnetic recognition equipment. 56-A.ksx djrk gS A . Functionally. it can be called an electronic check.[kksys tk ldrs gSa] blds fy. gksrk gS A bleas jkf’k igys gh tek dh tkrh gS A .oa de foLr`r gksrk gsS] Local Area Bank dgykrk gS A 4.drkuqlkj . is the common machine language specification for the paper-based payment transfer system. as the funds are withdrawn directly from either the bank account (often referred to as a check card).d izdkj dk cSad /kukns’k gksrk gS] tks fn. DD (DEMAND DRAFT) . Magnetic Ink Character Recognition (MICR). account number and in some cases the amount of the cheque.CkSafdax 'kCnkoyh BANKING TERMINOLOGY 1. oS/k gksrk gS A 3.

the scanner is able to detect a marked area because it reflects less light than an unmarked surface. This does require the image to have high contrast and an easily-recognizable irrelevant shape. it is governed by local usage and customs. Some OMR devices use forms which are pre-printed on transoptic paper and measure the amount of light which passes through the paper. It is drawn on banker and is required to be made payable on demand. That is. thus a mark on either side of the paper will reduce the amount of light passing throught the paper. 8. to pay a certain sum of money only to. by darkening circles marked on a pre-printed sheet. A cheque is a special type of Bill of Exchange. a certain person. SABDHANI COACHING INSTITUTE.7. SB (SCHEDULED BANKS) Registered in Schedule 2 (E) of Reserve Bank of India Act of 1934. BHOPAL PHONE (0755)2665306. One of the most familiar applications of optical mark recognition is the use of pencil bubble optical answer sheets in multiple choice question examinations. NI (NEGOTIABLE INSTRUMENT) It is a Promissory Note. It is generally distinguished from optical character recognition by the fact that a recognition engine is not required. or to the order of. VIJAY NAGAR. a certain person or to the bearer of the instrument. By shining a beam of light into the document. 11. 56-A. MOBILE 08602511011 www. directing a certain person to pay a certain sum of money only to. 12. BE (BILL OF EXCHANGE) It is an instrument in writing containing an unconditional order. the marks are constructed in such a way that there is little chance of the reading the marks correctly. 13. 500 Crores. Minimum Capital of Rs. 9. LALGHATI. Bill of Exchange or Cheque payable either to bearer or to order. NSB (NON-SCHEDULED BANKS) Not Registered in Reserve Bank of India schedule. If it is drawn in local language. OMR (OPTICAL MARK RECOGNITION) is the process of capturing data by contrasting reflectivity as predetermined positions on a page. Afterwards the sheet is automatically graded by a scanning machine. or the order of. or to the bearer of the instrument. signed by the maker.sabdhanicoaching. like Jammu & Kashmir Bank (not working under RBI but working under Article 370 of Indian Constitution) 10.com 53 . signed by the maker. PN (PROMISSORY NOTE) It is an instrument in writing (not being a bank-note or a currencynote) containing an unconditional udertaking. HUNDI It is an indigenous instrument similar to Negotiable Instrument. Their Minimum CRR should be with Reserve Bank of India.

ked ds :i esa dk.k¡ .com 54 . LALGHATI. The periodic statement of holdings and transactions is provided just like a bank pass book or a statement. all other things being equal. GDP (GROSS DOMESTIC PRODUCT) The total market value of all final goods and services produced in a country in a given year. RTGS (REAL TIME GROSS SETTLEMENT) Minimum Amount Rs.2 Lacs Amount to be remitted Account No.Dlpsat SEBI 18.Z djrh gS A gaS A budh gj fØ. SEBI (SECURITIES & EXCHANGE BOARD OF INDIA) Hkkjr essa dk. equal to the total consumer. investment and government spendings plus the value of exports and minus the value of imports. 19. 56-A. of Beneficiary Customer Information from Sender to Receiver IFSC (Indian Finacial System Code) SABDHANI COACHING INSTITUTE. DEMAT A/C (DEMATERIALISED ACCOUNT) It is opened to buy or sell stocks. 17.14.Z djus okyh leLr dEifu. All the shares are held electronically in the account.oa LVkWd . VIJAY NAGAR. It is an account where actual money is replaced by shares.sabdhanicoaching. GNP measures the value of goods and services that the country's citizens produced regardless of their location. GNP is one measure of the economic condition of a country. CTS (CHEQUE TRUNCATION SYSTEM) It is a cheque clearing system undertaken by the Reserve Bank of India (RBI) for faster clearing of cheques. Basically.DlpSat .Z djrs gaS A Hkkjr esa dqy 24 LVkWd . 16. under the assumption that a higher GNP leads to a higher quality of living. minus income of non-residents located in that country. GNP (GROSS NATIONAL PRODUCT) The total value of all final goods and services produced within a nation in a particular year. MOBILE 08602511011 www. BHOPAL PHONE (0755)2665306. The demat account is a must for trading and investing purposes. 15.g laLFkk LVkWd ekdsZV ds fu.kfof/k SEBI dh fuxjkuh esa pyrh gS A ds vUrxZr dk. plus income earned by its citizens (including income of those located abroad). to be debited Name of Beneficiary Bank Name of Beneficiary Customer Account No.

or Max.com 55 . BHOPAL PHONE (0755)2665306. VIJAY NAGAR. 56-A.sabdhanicoaching. OTHER BANKING TERMS EFT Electronic Fund Transfer . Limit NEFT National Electronic Fund Transfer . Min. Limit BPLR Benchmark Prime Lending Rate SBAR State Bank Advance Rate NPA Non Performing Assets TDS Token Display System / Tax Deducted at Source KYC Know Your Customer NRI Non Resident Indians VRS Voluntary Retirement Scheme EP Exit Policy EMI Equated Monthly Instalment CB Chest Branch SWS Single Window System MB Mobile Banking CORE Centralised Online Realtime Exchange CBS Core Banking Solutions EB Electronic Banking SPC Stop Payment of Cheque CBF Cheque Book Facility WF Withdrawal Form CH Clearing House lek’kks/ku x`g CTS Cheque Trunction System LAF Liquidity Adjustment Facility ER Economic Recession vkfFkZd eanh SCB Schedule Commercial Bank PSB Public Sector Bank PB Private Bank RRB Regional Rural Bank SHG Self Help Group KCC Kisan Credit Card MF Mutual Fund SENSEX Sensitive Index Of Stock Exchange GNI Gross National Income IPO Initial Public Offering PN Promissory Note RBI Reserve Bank Of India NABARD National Bank for Agriculture & Rural Development IBA Indian Bank Association IDBI Industrial Development Bank Of India IRDA Insurance Regulatory Development Authority FEMA Foreign Exhange Management Act FICCI Federation Of Indian Chambers Of Commerce And Industry WPI Wholesale Price Index .No Min.455/534 commodities listed SABDHANI COACHING INSTITUTE. MOBILE 08602511011 www.20.No. or Max. LALGHATI.

k ml cSad ls ftl nj ls C.kfT. Capital adequacy ratio is defined as : CAR  Tier 1 Capital  Tier 2 Capital Risk Weighted Assets SABDHANI COACHING INSTITUTE. lEifRr. VIJAY NAGAR.¡ blds vUrxZr j[kh tk ldrh gSa A . LALGHATI.a l{ke gS] rks og bls vius ikl j[k ldrk gS] fdUrq bl jkf’k dk iz.d cSad (Commercial Bank) Lo. CAR (Capital Adequacy Ratio) The percentage of CAR varies from bank to bank & this is also known as: CRWAR (Capital to Risk Weighted Assets Ratio) Capital adequacy ratio is a measure of the amount of a bank's core capital expressed as a percentage of its risk-weighted assets.ka csp nsrk gS . BR (Base Rate) A basic rate of interest.k dj ldrk gS vkSj uk gh oks okf. BHOPAL PHONE (0755)2665306.k dks ns fn.com 56 .sabdhanicoaching.kfT.k dks viuh izfrHkwfr. CRR (Cash Reserve Ratio) – 4.d o"kZ ls vf/kd ½ ds fy.d cSad fjt+oZ cSad vkWQ bafM.k ds ikl j[kuk gksrk gS A udn vkj{k.k ds ikl tek dh izfrHkwfr.d o"kZ rd½ ds fy.kfT.kfT.d cSad dk vfrfjDr /ku (Surplus Money) fjt+oZ cSad djuk gksrk gS A blds cnys esa okf.d cSad dks izkIr ugha gksrk gS A 27.kfT.00% fdlh Hkh cSad dks viuh tekvkas eas ls dqN izfr’kr udn :Ik esa fjt+oZ cSad vkWQ bafM.kt fjt+oZ cSad vkWQ bafM.k }kjk gh fuf’pr fd.kfT. gh gksrh gS A bl nj ij dksbZ okf. RRR (Reverse Repo Rate) – 6. MOBILE 08602511011 www.k gS A 26.23% dksbZ okf.kas ds :Ik esa fjt+oZ cSad vkWWQ bafM.k x.k ls /kujkf’k m/kkj ysrk gS] rks fjt+oZ cSad vkWQ bafM.k lnSo yEch vof/k ¼.g vYikof/k ¼14 fnu ls .oa mUgsa iqu% [kjhnus dk le>ksSrk djrk gS A 24.g _. gh gksrk gS A 23.ksx uk rks fjt+oZ cSad vkWQ bafM.kt ysrk gS] og nj cSad nj dgykrh gS A .d cSad fjt+oZ cSSad vkWQ bafM.wure lhek 3% o vf/kdre lhek 15% djus dk vf/kdkj fjt+oZ cSad vkWQ bafM.d cSad tc fjt+oZ cSad vkWQ bafM.ksa dks [kjhn gS] og nj fjolZ jsiks nj 25.k vuqikr dk izfr’kr fjt+oZ cSad vkWQ bafM.kfT.k ds ikl j[kuk gksrk gS A lafo/kku ds vUrxZr rjyrk esa vkus okyh lHkh oLrq.fn okf. SLR (Statutory Liquidity Ratio) .k ysrk gS A fjt+oZ cSad vkWQ bafM. RR (Repo Rate) – 7.kt nsrk dgykrh gS A lhek ls vf/kd /ku tek vkWQ bafM. on which the actual rate a bank charges on the loans to its customers is calculated.d cSad dj ldrk gS A bl ij fdlh izdkj dk C.75% 22.75% dksbZ okf.d fuf’pr lhek gksrh gS A bl gksus ij okf.k vuqikr nsus ds i’pkr dqN izfr’kr vfrfjDr udn vFkok vU.g nj Hkh cSad nj dh rjg gh gksrh gS] fdUrq .k tkrk gS A ljdkj }kjk tuojh 2007 esas ^^fjt+OkZ cSad vkWQ bafM.k ls okf. BR (Bank Rate) – 8. 56-A.d cSad dk udn vkj{k.21.e 1934** esa la’kks/ku djds bldh U.k vf/kfu.25% with effect from 03/05/2013 fdlh Hkh csSad dh /ku tek djus dh .25% with effect from 03/05/2013 .kfT.k bl /ku ij ftl nj ls C. MSF (Marginal Standing Facility) Rate – 8.

kkyh cSadksa dk foy.28. and Tier two capital can absorb losses in the event of a winding-up and so provides a lesser degree of protection to depositors. TIER 1 CAPITAL (Paid Up Capital + Statutory Reserves + Disclosed Free Reserves) (Equity Investments In Subsidiary + Intangible Assets + Current and Brought Forward Losses) 29. 4. 3. 7. 56-A. vU. 6. Base Rate 2500 316 Kolkata Shubhalaxmi Panse 1865 19 July.k cSafdax yksdiky cSad gM+rky cSad osru iqujh{k. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9. 8. MOBILE 08602511011 www. 2. BHOPAL PHONE (0755)2665306.k cSad ijUrq cSad ugha & CyM cSad] cqd cSad] us= cSad LATEST DETAILS OF BANKS ALLAHABAD BANK 1. 5. LALGHATI. 1969 A tradition of trust Finance and Insurance Consumer Banking Corporate Banking SABDHANI COACHING INSTITUTE. ØsfMV&dkM~lZ] MsfcV&dkM~lZ] xzhu&dkM~lZ] fdlku&dkM~lZ] IykfLVd eqnzk (Plastic Money) ykWdj iz.k fons’kh cSadksa dks fuea=. TIER 2 CAPITAL Undisclosed Reserves + General Loss Reserves + Hybrid Debt Capital Instruments And Subordinated Debts Tier one capital can absorb losses without a bank being required to cease trading.sabdhanicoaching. VIJAY NAGAR. cSadksa dk futhdj.com 57 .

corporate banking. corporate banking. Mallya 1908 19 July. Latest Schemes/Products 9. 2. M. finance and insurance. 56-A. consumer banking. 3. BHOPAL PHONE (0755)2665306. 2. finance and insurance. With you in focus Consumer banking. Credit cards. 4. ANDHRA BANK Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. Vijayalakshmi R. 1969 India's International Bank Credit cards.com 58 . investment banking. Gujrat. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. MOBILE 08602511011 www. 3. Base Rate 4157 1679 Mumbai. Agri.1. wealth management 9. LALGHATI. wealth management. 1969 fj’rksa dh tek iw¡th Relationships beyond Banking Commercial Banking Retail Banking Private Banking Asset Management Mortgages Credit Cards SABDHANI COACHING INSTITUTE. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 4007 Over 2000 Vadodara. 6. B A Prabhakar 1923 15 April. 7. mortgage loans. D. VIJAY NAGAR.P.1980 Much more to do. 4. Base Rate 1712 1056 Hyderabad. A. 8. 7. 6.sabdhanicoaching. 5. private banking. Loans BANK OF BARODA 1. 5. 4. Iyer 1906 19 July. 3. 6. 2. Latest Schemes/Products 9. Base Rate BANK OF INDIA 1. Maharashtra. 5. 7. private banking. private equity.

6. 9. 7. 8.Maharastra Name of Chairman/Managing Director M. BHOPAL PHONE (0755)2665306. Credit Cards. 7.000 Place of Head Office/Central Office Bangalore. Raman Date of Establishment 1906 Date of Nationalisation 19 July. 7.1. 1. 56-A. 6.V. 3. MOBILE 08602511011 www. 3. 5.100 Number of ATMs More than 2. 2. 4. 4. 6. BANK OF MAHARASHTRA Number of Branches 1577 Number of ATMs More than 500 Place of Head Office/Central Office Pune. 8. 5. 2. Karnataka Name of Chairman/Managing Director S. 1969 Punchline/Mono/Slogan it's easy to change for those who you love.Maharastra Name of Chairman/Managing Director Narendra Singh Date of Establishment 1935 Date of Nationalisation 19 July. Investment vehicles etc Base Rate CANARA BANK Number of Branches 3. 1. Mortgages Credit Cards Base Rate CENTRAL BANK OF INDIA Number of Branches 4. LALGHATI. Together we can do Latest Schemes/Products Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions.sabdhanicoaching. 1969 Punchline/Mono/Slogan Build a better life around us. 5.com 59 . VIJAY NAGAR. 3.564 Number of ATMs 4. Latest Schemes/Products Loans. Tanksale Date of Establishment 1911 Date of Nationalisation 19 July. 9.Consumer Banking. 4. 2. Base Rate SABDHANI COACHING INSTITUTE. Savings. 9. Central to you since 1911 Latest Schemes/Products Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards. 8. 1969 Punchline/Mono/Slogan One family one bank.000 Place of Head Office/Central Office Mumbai.

Credit Cards.CORPORATION BANK 1. Malla 1964 Banking For All.274 Mangalore. Latest Schemes/Products 9. Investment vehicles.100 More than 1000 Mumbai.1980 Prosperity for All Loans. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9. wealth management.500 1. 8. finance and insurance. LALGHATI.000 1594 Mumbai (Maharashtra) R. Base Rate 1. 3. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. Maharastra Smt. 8. Base Rate 1. Base Rate 1. 4. etc DENA BANK 1. 7. 4. private equity. 3.com 60 . Savings. BHOPAL PHONE (0755)2665306. 2. 5. "Aao Sochein Bada" banking. 2. VIJAY NAGAR. India Ajai Kumar 1906 15 April. 5. 56-A. 7. 4. mortgage loans. investment banking. 6. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9. Not Just For Big Boys. Nupur Mitra 1938 19 July. 2. 5. 6. 6.M. 7. 3. Agriculture Loan SABDHANI COACHING INSTITUTE. private banking. MOBILE 08602511011 www. 1969 Trusted Family Bank Financial and Commercial Products IDBI BANK 1.sabdhanicoaching.

Base Rate 2. 5. Base Rate 2. 3. 4.sabdhanicoaching. MOBILE 08602511011 www.433 Chennai M.M. 1980 where every individual is committed Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards SABDHANI COACHING INSTITUTE. BHOPAL PHONE (0755)2665306. 5. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8.INDIAN BANK 1. 6. Narendra 1937 19 July. INDIAN OVERSEAS BANK 1. 2. LALGHATI. 6.com 61 . 7. 7. 1969 Good people to grow with Loans. Latest Schemes/Products 9.000 Gurgaon. VIJAY NAGAR. 7. 4. 3. Investment vehicles etc ORIENTAL BANK OF COMMERCE 1. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8.L. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9.000 More than 1. T. 4. 56-A. Credit Cards.Bansal 1943 15 April. 1969 Taking Banking Technology to Common Man Commercial and consumer banking product. Savings. Latest Schemes/Products 9. 8. 2.650 1.Bhasin 1907 19 July. 3.295 Chennai. 6.000 1. 5. Base Rate Over 2. 2. Haryana S.

Kamath 1895 19 July. K. 1969 A Name you can Bank Upon Credit cards. 6.com 62 .Management Private EquityMortgages Credit Cards SABDHANI COACHING INSTITUTE. 7. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9.000 Over 3. 8. Mortgage Loans. 2.sabdhanicoaching. 56-A. Private Banking. 7.PUNJAB & SINDH BANK 1. Finance n Banking. 1969 Your Faithful And Friendly Financial Partner Finance and insurance Consumer Banking Corporate Banking Investment Banking Investment. 5. 5. LALGHATI. 7. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products Base Rate 1. BHOPAL PHONE (0755)2665306. 3. 4.200 Over 500 Manipal.100 More than 500 New Delhi. 3.1980 Where service is a way of life. 4. Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. VIJAY NAGAR. Finance And Insurance. 4. Latest Schemes/Products 9. Corporate Banking. Investment Banking. Base Rate More than 1.R. 2. Karnataka Madhukant Girdharilal Sanghvi 1925 19 July. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director 5. 2. MOBILE 08602511011 www. 9. 8. India Shri Devender Pal Singh 1908 15 April. 3. Consumer Banking. PUNJAB NATIONAL BANK 1. Wealth Management SYNDICATE BANK 1.500 New Delhi. 6. 6. Base Rate 5.

Private Banking. LALGHATI.Maharastra Debabrata Sarkar 1919 19 July. 4. Corporate Banking.com 63 . 1969 Honours Your Trust Consumer Banking.UCO BANK 1. Private Banking. 7. West Bengal Bhaskar Sen 1950 19 July. 2. 5.550 1.000 4. 8. UNITED BANK OF INDIA 1. Finance And Insurance. Wealth Management UNION BANK OF INDIA 1. Investment Banking. 1969 Good people to bank with Consumer Banking. Base Rate 2. 56-A. 6. BHOPAL PHONE (0755)2665306. Base Rate 1650 More Than 800 Kolkata. 3. 2. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9. Private Banking. 4. 3. MOBILE 08602511011 www. 6. Finance And Insurance. Corporate Banking. 5. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. Finance And Insurance.129 Mumbai. Corporate Banking.765 Kolkata. Investment Banking. Latest Schemes/Products 9. 8. 5. Mortgage Loans. 1969 The Bank That Begins With U Consumer banking. 7. SABDHANI COACHING INSTITUTE. 2. Mortgage Loans.sabdhanicoaching. West Bengal Arun Kaul 1943 19 July. 3. Base Rate 5. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan Latest Schemes/Products 9. 6. Investment Banking. 4. 7. VIJAY NAGAR. Mortgage Loans.

7.70% From 30th January 2013 12. 9. Number of Branches Number of Foreign Branches 3. 3. 2.000 Mumbai (Maharashtra) Pratip Chaudhuri 1 July 1955 The Nation Banks On Us. 5. Corporate Banking.000 Above 150 in 41 Countries Abov 27. Bank Of The Common Man Consumer Banking. Corporate Banking. India Shri.Wealth Management STATE BANK OF INDIA 1. 6. 2. Latest Schemes/Products 11.92. 7. With You All The Way.S Upendra Kamath 1931 April 15. 1980. Pure Banking Nothing Else. A Friend You can Bank Upon Consumer Banking. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director 5. Private Banking. Investment Banking. 6.VIJAYA BANK 1. 8. Mortgage Loans. BHOPAL PHONE (0755)2665306. 56-A. 4. Latest Schemes/Products 9. Finance And Insurance. Wealth Management 9.com 64 . H. Latest Awards and Recognitions SABDHANI COACHING INSTITUTE. Finance And Insurance. VIJAY NAGAR. 4. Investment Banking.sabdhanicoaching. LALGHATI. Number of ATMs Number of Employees Place of Central Office Name of Chairman Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 10. Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. Base Rate 1300 750 Bangalore. Private Banking. Base Rate Abow 15.000 Above 2. Mortgage Loans. MOBILE 08602511011 www.

Date of Nationalisation 9. Base Rate SABDHANI COACHING INSTITUTE. Bhagavantha Rao 1941 Modern. 6. Corporate Banking. Number of Branches Number of ATMs Place of Head Office Name of Managing Director Date of Establishment of SB Jaipur Date of Establishment of SB Bikaner Date of Establishment of Bikaner & Jaipur 8. Dependable Consumer Banking.Wealth Management 9. MOBILE 08602511011 www.200 Hyderabad. 2. Punchline/Mono/Slogan 10. Corporate Banking. M. 11.Andhra Pradesh. 3. 56-A. Finance And Insurance. LALGHATI. Investment Banking. VIJAY NAGAR.500 1. 7.sabdhanicoaching. Mortgage Loans. 5. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. 2. Private Banking. Private Banking.Wealth Management.STATE BANK OF BIKANER AND JAIPUR 1. 6. 5.com 65 . Finance And Insurance. Latest Schemes/Products 1. Latest Schemes/Products Above 6000 300 Jaipur (Rajasthan) Shiva Kumar 1943 1944 1963 The Bank With A Vision Consumer Banking. Mortgage Loans. 3. Base Rate STATE BANK OF HYDERABAD 1. 4. 7. BHOPAL PHONE (0755)2665306. Investment Banking. 4.Innovative.

5. Finance And Insurance. Investment Banking. Latest Schemes/Products 9. 7. Base Rate More 745 More Than 500 Bangalore Sharad Sharma 1913 Working For A Better Tomorrow Consumer Banking. VIJAY NAGAR. 3. Base Rate 1060 More than 500 Patiala. 3. STATE BANK OF PATIALA 1. Private Banking. Latest Schemes/Products 9. Finance And Insurance.Wealth Management.sabdhanicoaching. 2. 4. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. Corporate Banking.5% SABDHANI COACHING INSTITUTE. Private Banking. Investment Banking. 56-A. BHOPAL PHONE (0755)2665306. LALGHATI.com 66 .Wealth Management 10. 6. Mortgage Loans. MOBILE 08602511011 www. 5. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. 2. Mortgage Loans. Punjab Achal Kumar Gupta 17/11/1917 Blending Modernity With Tradition Consumer Banking.STATE BANK OF MYSORE 1. Corporate Banking. 6. 4. 7.

Kerala P. 3. MOBILE 08602511011 www. 6. 9. Number of Development centers Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. BHOPAL PHONE (0755)2665306. 4. 5.com 67 . Nanda Kumaran 1945 A Long Tradition Of Trust Consumer Banking. Mortgage Loans.sabdhanicoaching. Private Banking. Number of Branches Number of ATMs Place of Head Office/Central Office Name of Chairman/Managing Director Date of Establishment Date of Nationalisation Punchline/Mono/Slogan 8. 3. Base Rate 879 930 Trivandram.STATE BANK OF TRAVANCORE 1. 2. 56-A. Corporate Banking. LALGHATI. 6. 7. 7. Finance And Insurance. 4. 5. VIJAY NAGAR. 2.Wealth Management NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT (NABARD) 1. Maharashtra Prakash Bakshi 12 July 1982 Revitalizing rural India through urban Support Agriculture Products SABDHANI COACHING INSTITUTE. Investment Banking. Latest Schemes/Products 9. Latest Schemes/Products Base Rate 500 Mumbai.

MOBILE 08602511011 www.sabdhanicoaching. BHOPAL PHONE (0755)2665306.com 68 .TOP NATIONALISED BANKS IN INDIA 1 PUNJAB NATIONAL BANK PNB 2 BANK OF BARODA BOB 3 INDUSTRIAL DEVELOPMENT BANK OF INDIA IDBI 4 SYNDICATE BANK SB 5 ALLAHABAD BANK AB 6 CANARA BANK CB 7 UNION BANK OF INDIA UBI 8 CORPORATION BANK CB 9 BANK OF MAHARASHTRA BOM 10 INDIAN OVERSEAS BANK IOB 11 ORIENTAL BANK OF COMMERCE OBC 12 CENTRAL BANK OF INDIA CBI 13 DENA BANK DB 14 UCO BANK UCO 15 UNITED BANK OF INDIA UBI 16 BANK OF INDIA BOI 17 PUNJAB & SIND BANK P&SB 18 ANDHRA BANK AB 19 INDIAN BANK IB 20 VIJAYA BANK VB SABDHANI COACHING INSTITUTE. 56-A. LALGHATI. VIJAY NAGAR.

VIJAY NAGAR.com 69 .INSURANCE KNOWLEDGE SABDHANI COACHING INSTITUTE. LALGHATI. 56-A.sabdhanicoaching. MOBILE 08602511011 www. BHOPAL PHONE (0755)2665306.

sabdhanicoaching. The contract is valid for payment of the insured amount during the date of maturity or specified date at periodical intervals or unfortunate death. and the Provident Fund Act were passed. in 1944 a bill was introduced in the Legislative Assembly. with the objective of spreading life insurance much more widely and in particular to the rural areas to reach all insurable persons in the country. 992 satallite offices and the Corporate office. Bharat Insurance Company (1896) was also one of such companies inspired by nationalism. LIC had 5 zonal offices. 56-A. To amend the Life Insurance Act 1938. was the first life insurance company on Indian Soil. Later. BHOPAL 70 PHONE (0755)2665306. Re-organization of LIC took place and large numbers of new branch offices were opened. the Life Insurance Companies Act. LIC to take this message of protection to light the lamps of security in as many homes as possible and to help the people in providing security to their families. 109 divisional offices. About 154 Indian insurance companies. apart from its corporate office in the year 1956. LALGHATI. SABDHANI COACHING INSTITUTE. MOBILE 08602511011 www. VIJAY NAGAR. Oriental Life Insurance Company. 33 divisional offices and 212 branch offices. providing them adequate financial cover at a reasonable cost.WHAT IS LIFE INSURANCE Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against. LIC’s Wide Area Network covers 109 divisional offices and connects all the branches through a Metro Area Network. On 19th January 1956. HISTORY OF LIFE INSURANCE Life Insurance in its modern form came to India from England in the year 1818. started by Europeans in Calcutta. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870. 16 Non-Indian companies 75 Provident were operating in India at the time of nationalization. Today LIC functions with 2048 fully computerized branch offices. life insurance in India was nationalized. Insurance Act 1938 was the first legislation governing not only life insurance but also non-life insurance to provide strict state control over insurance business.com . The United India in Madras. In the year 1912. National Indian and National Insurance in Calcutta and the Co-operative Assurance at Lahore were established in 1906. the foreign life insurance companies started insuring Indian lives. 8 zonal offices. if it occurs earlier. LIC has tied up with some Banks and Service Providers to offer on-line premium collection facility in selected cities. and The Parliament of India passed the Life Insurance Corporation Act on 19th June 1956 and the Life Insurance Corporation of India was created on 1st September 1956.

SOME IMPORTANT MILESTONES IN GENERAL INSURANCE BUSINESS IN INDIA 1907 : The Indian Mercantile Insurance Ltd. LIC Act. the New India Assurance Company Ltd. BHOPAL PHONE (0755)2665306. 5 crore from the Government of India. and the United India Insurance Company Ltd. the first company to transact all classes of general insurance business. frames a code of conduct for ensuring fair conduct and sound business practices. 1938 : Earlier legislation consolidated and amended to by the Insurance Act with the objective of protecting the interests of the insuring public.SOME IMPORTANT MILESTONES IN LIFE INSURANCE BUSINESS IN NDIA 1818 : Oriental Life Insurance Company. LIC formed by an Act of Parliament. set up. 1912 : The Indian Life Assurance Companies Act enacted as the first statute to regulate the life insurance business. the National Insurance Company Ltd. the first life insurance company on Indian soil started functioning. 1956. the first general insurance company established in the year 1850 in Calcutta by the British.sabdhanicoaching. 1928 : The Indian Insurance Companies Act enacted to enable the government to collect statistical information about both life and non-life insurance businesses. MOBILE 08602511011 www. GIC incorporated as a company. 56-A. can trace its roots to the Triton Insurance Company Ltd. VIJAY NAGAR.. 107 insurers amalgamated and grouped into four companies viz. 1870 : Bombay Mutual Life Assurance Society. 1972 : The General Insurance Business (Nationalisation) Act. on the other hand. 1972 nationalised the general insurance business in India with effect from 1st January 1973. LALGHATI. with a capital contribution of Rs. The General insurance business in India. 1957 : General Insurance Council. the first Indian life insurance company started its business. a wing of the Insurance Association of India. 1968 : The Insurance Act amended to regulate investments and set minimum solvency margins and the Tariff Advisory Committee set up.com 71 .. SOME SHORT FORMS SC (Statutory Company) PC (Public Company) PC (Private Company) LIC (Life Insurance Corporation of India) DO (Development Officer) ADO (Assistant Development Officer) MF (Mutual Fund) IRDA (Insurance Regulatory and Development Authority) GHIP (Group Health Insurance Policy) IHIP (Individual Health Insurance Policy) SABDHANI COACHING INSTITUTE. 1956 : 245 Indian and foreign insurers and provident societies are taken over by the central government and nationalised.. the Oriental Insurance Company Ltd. viz.

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MOBILE 08602511011 www. Books.j] vksg ek. Poetesses. Deaths.] tula[. Films. Who is Who etc. Sports. Economy.kuk] . Problems.khiqj] fgEkkapy çns’k v©j XkqtjkRk esa pquko A dukZVd esa pquko A cjkd vksckek vesfjdk ds jk"Vªifr ds :i esa nwljh ckj pqus x. BHOPAL PHONE (0755)2665306. Authors.DV ds vUrxZr ik¡p o"kZ dh lt+k A Hkkjr esa flusek ds 100 o"kZ iwjs gq. jktuhfr (POLITICS) jkT. 6. District. Prizes. thereafter your Surname.V oMkyk A vkus okyh fQYesa & esaVy] lR.k. Science. vkids uke TkSls rqylhnkl] larks"k] T.q] lEcaf/kr 'kgj ds fofHkUu inkf/kdkjh] fofHkUu pquko .wuholZ] fel oYMZ] fel bafM. with all particulars relating to Self.k dsl esa tks/kiqj dksVZ esa ebZ 2013 esa is’kh gksxh A lat. VIJAY NAGAR. Read News Papers.ksx . Discuss all points/events with the people in your group. A ujsUnz eksnh dks iz/kkuea=h cuk. Family. City.&LFky tSls ipe<+h ¼e-iz½] xqyexZ vkSj Jhuxj ¼tEew d’ehj½] uSuhrky ¼mRrjk[kaM½] MygkSth ¼fgekpy izns’k½] nkthZfyax ¼if’pe caxky½] nf{k. Geography.sfrgkfld bekjrsa] Hkkjr esa HkwdEi] VdhZ esa HkwdEi tkiku esa HkwdEiA iatkc dh ufn.ka (lryt] fla/kq] jkoh] fpuko] >sye)] ioZrh. You should have knowledge about the events relating to Politics.q] fQYEk Qs.com 77 .oa . Writers. 56-A. LALGHATI. 3. State. Read. 7. 4. lHkk] yksd lHkk] jk"Vªifr] mijk"Vªifr] eq[.GENERAL KNOWLEDGE / GENERAL AWARENESS 1. Poets. 8.k. xkWM] eV: dh fctyh dk eUMksyk] fo’o:ie] jsl&2] lkjs tgka ls egaxk] ccyh cnek’k] fgEerokyk] p’es&cn~nwj] ukSVadh lkyk] dekaMks] vkf’kdh&2] 'kwVvkmV . 2.kxzg] lyeku dh fgV . Asia and World.iky] eq[.sabdhanicoaching. Watch Debates.k] fQYeh gfLr. Residential Area.ksRLuk] feuky vkfn ds i.ea=h] e=heaMy ds lnL.M] iatkc] xksok] e.sls ukekas ds dksbZ izfl} O. Study Map also.V. Scams. tkus dh laHkkouk A Hkwxksy (GEOGRAPHY) d`f"k] jkT. Write/Diarise the main points/events. Division. Hear the News on Radio/T.K.oa muds urhts A mRrj izns'k] mRrjk[k.k] tux. History.{k] MkWDVj vEcsMdj] lh-ch-vkbZ] jktuhfrKkas dh gR. A Hkkjr esa igyh fQYe & jktk gjh’kpUnz & cscksyh & 03@05@1913 esa cuh Fkh A SABDHANI COACHING INSTITUTE. U.k/kh’k] iz/kkuea=h] jkT. You should try to Hear. 10. Country. nRr dks vkElZ .k Hkkjr eas mVh] fQYe@lhfj.y@euksjatu (FILMS) fel .j vokM~lZ] vkWLdj vokM~lZ] fephZ vokWM~lZ A ubZ fQYesa & ncax&2] f[kykM+h 786] lu vkWQ ljnkj] tc rd gS tku] ryk’k] LVwMsUV vkWQ nh bZ.okph@foykse ’kCn .ksa dh e`R.ksa dk KkuA 9. 5. Watch.] fofHkUu cMs+ vf/kdkjh] vk. Magazines and Books on General Knowledge.M ju dsl esa ebZ 2013 esa dksVZ esa is’kh gksxh A lyeku dh dkyk fgj.. Write and Discuss the latest news. You should start G.a] jktuhfrKkas dh e`R.fDr.kZ.oa muds v/.

dk C.] isVªksy/Mht+y ds nkeksa esa o`f)] lsch] lksuk dk Hkko 33 gtkj izfr 10 xzke A bZ-ih-.oLFkk vPNs ladsr ns jgh gS A tcfd vUrjkZ"Vªh. Shahrukh Khan. BHOPAL PHONE (0755)2665306. MdoFkZ yqbZl fu.TOP BATSMAN) 6th INDIAN PREMIER LEAGUE (IPL) 2013 TEAMS OWNERS Bangalore Royal Challengers Chennai Super Kings Delhi Daredevils Kings XI Punjab Kolkata Knight Riders Mumbai Indians Pune Warriors India Rajasthan Royals Sunrisers Hyderabad Vijay Mallya N.kl] oh-oh-.}kjk o"kZ 2012&13 ds fy. Srinivasan.DV] ohvkj. India Cements GMR Group Ness Wadia.kt nj 8-25% ls c<+kdj 8-50% izfro"kZ fd.uih. bdkbZ (India Rating) ds vuqlkj Hkkjrh.k A dsUnz dk vke ctV 28-02-2013 dks Jh ih-fpnacje] foRr ea=h us is’k fd. MOBILE 08602511011 www.kA Board of Control for Cricket in India (BCCI).Q. eqnzk dks"k ds vuqlkj fons’kh fuos’kdksa us Hkkjr ls eq¡g eksM+ fy.k vkSj jkgqy nzfoM dk fdzdsV ls laU.knk fn[kkbZ fn.kr&fu.k ds fo#) VsLV eSp esa dIrku egsUnz flag /kksuh us nksgjk 'krd cuk.j cktkj] vk.k x.l.com 78 .k A pSUubZ esa vkWLVsªfy. 56-A.k A Manufacturing Sector esa rst+h ls fxjkoV ds dkj.k ds fo#} vius igys VsLV eSp dk lcls rst 'krd yxk.l] vkjchvkbZ ØsfMV ikWfylh ¼cSad jsV] jsiksjsV] fjolZ jsiksjsV] lhvkjvkj] .qjksi ds ckt+kjksa esa gekjs mRiknksa dh ekax de gks xbZ A fo'o cSad ds v/. . VIJAY NAGAR. Raj Kundra.ksax fde ds vuqlkj Hkkjrh.k A dsUnz dk jsy ctV 26-02-2013 dks Jh iou dqekj calu] jsy ea=h us is’k fd. LALGHATI. vFkZO.{k fte .k fodkl nj esa fxjkoV vkbZ vesfjdk vkSj .k gS] vkSj fodkl nj /kheh gksxh A SABDHANI COACHING INSTITUTE.{k csu cukZds ds vuqlkj Xykscy lqLrh esa Hkh Hkkjrh.oLFkk tYnh xfr idM+sxh] vkSj fodkl nj c<+sxh A vesfjdh dsUnzh. vFkZO.k jkst+xkj xkjaVh .kl A Hkkjr us Jhyadk dks gjkdj fØdsV dk World Cup thrk A efgyk oYMZ di fØdsV esa Hkkjr dh Vhe gkj xbZ A Hkkjr dks ikfdLrku uss ouMs lhjht esa 1&2 ls gjk. Preity Zinta Juhi Chawla.k A egaxkbZ nj ----------. vkfFkZd lqLrh (Economic Slowdown) dgk tkrk gS A Global Rating Agency fQp FITCH dh Hkkjrh.sabdhanicoaching.a] vkfFkZd leh{kk.RBI vkfFkZd eanh o"kZ 2008 esa vesfjdk esa vkfFkZd eanh 'kq: gqbZ bldk vlj fo’o esa gqvk blfy. vFkZO. Lachlan Murdoch Kalanidhi (SUN TV Network) vkfFkZd (ECONOMY) m|ksx /ka/ks] fofHkUu ?kjkus] ctV vkSj vis{kk.k A f’k[kj /kou us eksgkyh esa vkWLVªsfy. Jay Mehta Reliance Industries. ih-. xzkeh.eA PURPLE CAP HOLDER (HIGHEST WICKET TAKER – TOP BOWLER) ORANGE CAP HOLDER (HIGHEST RUN SCORER .Q-vks.izfr’kr iqjkuh pSd cqd 31 tqykbZ] 2013 rd ekU.[ksy (SPORTS) lfpu dk ouMs fØdsV ls lU.yvkj] csljsV½] cSadkas ds .y{ke. cSad ¼QsMjy fjt+oZ½ ds v/. Mukesh Ambani Sahara India Pariwar Shilpa Shetty. bldks oSf’od eanh (Global Economic Recession) dgk tkrk gS A Hkkjr esa vkfFkZd eanh 'kCn dh ctk.a] fdlkuksa dh dtZ+&ekQ+h] fofHkUu ns’kksa dh eqnzk. o"kZ 2012&13 esa GDP nj 5 Qhlnh jgsxh A Hkkjr esa vkfFkZd eanh dk vlj 'ks.kZr vkSj Out Sourcing Business ij T.oLFkk dk cqjk nkSj lekIr gks pqdk gS A Central Statistical Organisation ds vuqlkj foRrh.a] egkRek xka/kh jk"Vªh.l.

ka (DISEASES) Msaxw] LokbZu&¶yw] fpdu&xqfu. gksVy esa eqtkfgnhu vkradokfn.M vkSj tEew&d'ehj½] fnO.k] Hkz"Vkpkj dh leL.a (PROBLEMS) d’ehj] vklke] iatkc] xkSj[kkyS.k leL.k A iqjLdkj (PRIZES) cjkd vksckek dks ’kkfUr ukscy iqjLdkj A Hkhelsu tks’kh dks Hkkjr jRu iqjLdkj A v[k+ckj (NEWS PAPERS) nSfud HkkLdj lewg 13 jkT.k. 65 laLdj. fjt+oZ cSad ds xouZj Jh Mh. Wholesale Price Index (WPI) .¡ (POSITIONS) Hkkjrh. HkkLdj ¼xqtjkr vkSj egkjk"Vª½] SABDHANI COACHING INSTITUTE. Carosine and Petrol Recent Increase in Rail Fares. }kjk nks o"kZ c<+k. BHOPAL PHONE (0755)2665306.Zdky iz/kku ea=h dk. LALGHATI.M eqfDr ekspkZ] uDlyokn] .Vh eqEcbZ ?kksVkyk] gsyhdkWIVj [kjhnh ?kwldkaM Coal Scam. 56-A.k] vkj{k.k x.kk] fgekpy izns'k] mRrjk[k. MOBILE 08602511011 www.sabdhanicoaching.ksa }kjk xszukbZV geyk A 13-07-2011 dks eqEcbZ esa ce /kekdk A ikfdLrku esa vkradokn A vesfjdk }kjk ikfdLrku esa jg jgs vkslkek fcu yknsu dk var A dlkc dks Qkalh A eksgEen vQ+t+y dks Qkalh A gSnjkckn eas lkbZfdy esa j[ks gq.M] >kj[k.yVhVhbZ] jke tUe Hkwfe ckcjh efLtn] Mkdw leL.k.k] cMZ&¶yw in LFkkiuk.M] >kj[k. ce ls /kekds A chekfj.lqCCkkjko ¼HkwriwoZ dsUnzh. foRr lfpo½ dk dk.com 79 .k A vkradokn (TERRORISM) ekysxkao /kekdk & izKk flag Bkdqj] ysQ~VhusaV duZy Jhdkar iqjksfgr A eqEcbZ esa ujheu gkÅl] rkt gksVy] vkscsjkW.NIFTY ----------50 Bombay Stock Exchange (BSE) .izns'k] NRrhlx<+] jktLFkku] ubZ fnYyh] iatkc] paMhx<+] gfj. LPG.k ¼e/.kZr esa fxjkoV] ukSdfj.ka lekIr] egaxkbZ c<+uk vkSj ?kkVk c<+uk Recent Increase in Prices of Diesel. Nitin Gadkari Scam leL.676 commodities listed National Stock Exchange (NSE) . Robert Wadra Scam.eanh dk vlj fu. VIJAY NAGAR.kZy.SENSEX -------30 (250) foKku (SCIENCE) PSLV-C20 dh Jh gfjdksVk ls lQy ykafpax A ?kksVkyk (SCAM) Common Wealth Scam 2th LisDVªe ?kksVkyk] vkn'kZ lkslk.

17 LVs'ku] ekb . South Africa .w . Dara Singh and Yash Chopra fons’k (FOREIGN) la. laxhrdkj Hkwisu gtkfjdk dk fu/ku xt+y xk.M] vukjk csLV csdjh dk.u. VIJAY NAGAR.k flag A Hkaojh nsoh gR. Rusia.India Against Corruption 'ksgyk elwn gR.kA baXyS.u tkWtZ ekfj.k dkaM µ Hkkjrh.k ekeys esa ensj.kk dh fXkjQ~rkjh A [kk|ku lqj{kk ¼Hkkstu dh xkjaVh½ fcy A iks[kj.e-ds-½ ikVhZ us dsUn dh . ¼eqacbZ] iq. BHOPAL PHONE (0755)2665306.ks cxksZfXy.Zdky igyh ckj iwjk] dk.k A Hkksiky xSl dk.k vÝhdk ds Mjcu esa 27 ekpZ 2013 dks lEiUu gqvk A BRICS – Brazil. ejkBh ¼egkjk"Vª½] Mh.sabdhanicoaching.qDr jk"Vª la?k] cSu dh ewu ¼.k x. MOBILE 08602511011 www.M] xkss/kjkdk.d Jh txthr flag dk fu/ku Death of Rajesh Khanna. China.w-ih-.qjksfi.k x.M] osyasVkbu Ms] Hkksiky esa bfT+rek A PIN (POSTAL INDEX NUMBER) First Digit for State Code Next Two Digits for Zone Codes Last Three Digits for Area Codes Two New Digits are being added for Postman Codes First Digit (State Code) Digit State and Union Territory SABDHANI COACHING INSTITUTE.dh ljdkj ls leFkZu okil fy.ekWyA fu/ku (DEATHS) 85 o"khZ.k A ljcthr flag ij ikfdLrku dh tsy esa geyk fd.aVhjsi fcy yksdlHkk esa ikfjr A [kk| lqj{kk fcy dsfcusV us eatwj fd.q gks xbZ A Hkkjr ds iatkc jkT. turk ikVhZ ds fo/kk.ksa ds loksZPp /keZ xq: dks iksi ds :i esa pquk x...Q. LALGHATI. (OTHERS) Hkz"Vkpkj vkSj dkyk/ku] ckck jkenso dk vu'ku] vUuk gtkjs dk vu'ku] tu yksd iky fcy] Kejriwal.k ds lcls NksVs 29 o"kZ esa HkwVku ds jktkA vejhdk ds 44osa izFke v’osr jk"Vªifr cjkd vksckek dks nwljs dk.M esa naxs A ikfdLrku esa pquh gqbZ ljdkj dk dk.k A ik¡poka fczDl lEesyu (Fifth BRICS Summit) nf{k. India.k vkSj ftUuk vLirky esa mudh e`R.ks dks dsFkksfyd blkbZ.Zdky ds fy.d /kqzo ukjk. lEeku ds lkFk vafre laLdkj fd. ds muds iSr`d xkao fHk[khfoaM esa fnukad 03@05@2013 dks mudk jktdh.fnO.M] 11 flrEcj vesfjdk dk.ks] csaxyq:] vgenkckn] lwjr] bUnkSj] t.com 80 .dkWiZ] Mh-ch.Zdkjh iz/kkuea=h dh fuxjkuh esa ebZ 2013 esa pquko] ijost+ eq’kjZQ ikfdLrku ykSVs] mudh fofHkUu ekeyksa esa fxj¶rkjh vkSj mudk thou Hkj ds fy.u vks ds egklfpo½] ftXes [kslj okaxpqd nqfu. Hkh pquk x.k ¼jktLFkku½ esa ikfdLrkuh tklwl fxj¶rkj A nzfoM eqUus= dM+xe ¼Mh-.k A xSj . pquko ij jksd A fczVsu dh igyh efgyk iz/kkuea=h ¼1979½ ekjxzsV FkSpj dk fu/ku A vU. 56-A.e 94-3] HkkLdj ued] Mh-ch.iqj½ vkSj HkkLdj Vh-oh7 jkT.

BHOPAL PHONE (0755)2665306. Punjab. Meghalaya.wjks Intelligence Bureau IB S. Haryana.sabdhanicoaching.wjks Criminal Investigation Department CID Chief Election CEC Commissioner Governor of Reserve Bank of RBI India Chairman of State Bank of SBI India Delhi Delhi Mumbai Shahabuddin Yaqoob Quraishi Duvvuri Subbarao Mumbai Pratip Chaudhary Chief of Army Chief of Navy Chief of Air Force Chairman of Planning Commission Vice Chairman of Planning Commission PC Manmohan Singh PC Montek Singh Ahluwalia SABDHANI COACHING INSTITUTE. MOBILE 08602511011 www. Sikkim. Pondicherry. Himachal Pradesh. Lakshdweep West Bengal. Assam. tkap C. Mizoram. Dadra & Nagar Haveli Chhattisgarh. Andaman & Nicobar Islands Bihar. Jharkhand Army Post Office (APO) and Field Post Office (FPO) POSITIONS NAME OF POST/ ORGANISATION President of India Prime Minister of India Speaker of Lok Sabha Vice President of India Finance Minister of India SHORT FORM HEAD OFFICE Delhi Delhi Delhi Delhi Delhi Director of Central Bureau of CBI Delhi NAME OF CHIEF/ DIGNITARY Pranab Mukherjee Manmohan Singh Meira Kumar Mohammad Hamid Ansari Palaniappan Chidambaram Ranjeet Sinha Investigation dsUnzh. Nagaland. VIJAY NAGAR. Daman & Diu. Karnataka Kerala. Goa. 56-A. Manipur. Orissa. LALGHATI. Tripura.A. Tamil Nadu. Madhya Pradesh Andhra Pradesh. Maharashtra. Jammu & Kashmir. Abra xqIrpj C. Chandigarh Uttar Praesh. Uttarakhand Rajasthan.1 2 3 4 5 6 7 8 9 Delhi.com 81 . Gujarat. Arunachal Pradesh.

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VIJAY NAGAR. BHOPAL PHONE (0755)2665306.com 83 . Margaret Alva Ashok Gehlot 23 Sikkim Gangtok Balmiki Prasad Singh Pawan Kumar Chamling 24 Tamil Nadu Chennai Konijeti Rosaiah Miss Jayalalithaa Jayaram 25 Tripura Agartala Dnyandeo Manik Sarkar Yashwantrao Patil 26 Uttar Lucknow Banwari Lal Joshi Akhilesh Pradesh Yadav 27 Uttarakhand Dehradun Aziz Qureshi Vijay Bahuguna 28 West Bengal Kolkata M. Patil Parkash Singh Badal 22 Rajasthan Jaipur Smt. Sankara Prithviraj Narayanan Chavan 16 Manipur Imphal Gurbachan Jagat Okram Ibobi Singh 17 Meghalaya Shillong Ranjit Shekhar Mukul Mooshahary Sangma 18 Mizoram Aizwal Vakkom Lal Thanhawla Purushothaman 19 Nagaland Kohima Nikhil Kumar Neiphiu Rio 20 Orissa Bhubaneshwar Murlidhar Naveen Chandrakant Patnaik Bhandare 21 Punjab Chandigarh Shivraj V. MOBILE 08602511011 www.K. 56-A.Narayanan Miss Mamta Banerjee SABDHANI COACHING INSTITUTE.Singh Hooda 9 Himachal Shimla Urmila Ben Patel Virbhadra Pradesh Urmila Singh Singh 10 Jammu Srinagar and Narindra Nath Vohra Omar Kashmir Jammu Abdullah 11 Jharkhand Ranchi Syed Ahmed PRESIDENT RULE 12 Karnataka Bangluru Hans Raj Bhardwaj Jagadish Shettar 13 Kerala Thiruvananthapuram Hans Raj Bhardwaj Oommen Chandy 14 Madhya Bhopal Ram Naresh Yadav Shivraj Singh Pradesh Chouhan 15 Maharashtra Mumbai K. LALGHATI.sabdhanicoaching.

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