GUIDE TO JAIB (OBIECTIVE-TYPE QUESTIONS} PRINCIPLES AND PRACTICES OF BANKING ARUNDEEP TOOR vest Suen ean Say, Aaa NSTOOR ome ct aan ment tenetgas eg) sm iliganapae cn Skylark Publications New Dathis10027 Ta 45659898INDEX PRINCIPLES AND PRACTICES OF BANKING ae, Tove Indan anc yt | a overview nko repute etal whl, wera ang, ADIGERIN ke of one ara, Fed none sues Pubished by ‘Skylark Publications 159, Suash Naar, val funds, rane Naw Doti= 110027 inesiceaa ieee ok marogeet 8 Bl Ian oer ‘Alsen, Ege an stn (© Arundeep Toor &NS Toor (0G, Far Pres Cae ECS 036 eat dvebpnars tan 5 0 ieee ante asin etre om artrctome spec eons 08 tang Onan ad Crsierotcon haf a_| Tyeminy ie: amet cnet of hes or nope abana Sapanea fr nelech & Fania Sevioes ‘Varo Nps ot etaners (handgun 60 O17 Printed at HS Offa Det Pres ea wet a set el ons ty seer aes ereatre enc ~ Disclaimer ond Sal Ee \We hove nan very cto poe omaton e bles be [cave Sponsor! ster ‘Shr ae Wed tl snone enor ef yk a ‘Sale lo tr buns © conan, fom we fo to See ups ove the eau ote ave dub, ry ows cc ie a aw tacos of bono wh oop boss uch FL |i ars, ee spel as aksnn BA guns Cov ples, adore bers "4 Seniesa ares= a 5 semi Ueno te flloing canet be ilu nthe dfiiton of > 30_| Frac neon stl wmneiy 5135 nok Tedesonr asa ans on nt ance compris fanc wtasone 53) | aducin to mantg& edt eg |e apart engogesin marutacung of god sat | anc dnotng matin 9a ‘int ot the towrg eanel be rcsed ne moray mat ‘lar rao money ort ecg Mo Te: octet at Mock m2 tee of epost Mocktt 3 comune, oar bs (ie othe elowing part oft meney met? bora esuedby th got Letom albany autoty Le RL na, pefring ‘The eetal baking suerte. RBL nia, we ccs neta ne coro of ee mrt at ne cae Ser 2 ‘Sr er reins gaccegancegaces ‘ening got bss: ad rating pre ably ‘lng sper an anc say Monetary etl sexed by RB rough yen psa ‘oust oaenay ‘ash senna ud ese aos tego ale ard evr repo rat The muri cost dase cg aes (CLR) oa by banks xine by RBI Caras Ft Reporte nd nko (eines ue S5A FRA en fh ong tsb not fen coring under [neiow of Cone anki ery n nda pana ovr NF cpa ove heel stones ‘anager poyrent ayo aun ony ri ‘iene be blowing ot ron fap mara regu ‘nr Le Sear nina scr laaes comm ‘ep eeot rar ‘ect ovr eauty act fargo es pon ds ‘porn oe ed eomoarat ‘Sipe ove epestares ad oc exchanges isthe le Fy Ret > ROA Seat a PFROR Ah of long doesnt feof emnce matt ROA fepusterofcapil al - SEL teputr fmnoy macat-RL ‘epee artl- SEB! {Shon oft lowing cons at card by IRA na? ‘eucig snare apes Feng he rurnce prods ‘eplton oe te use nage pelon ‘SBertn ft ger nenee art {Te aro conpatioe 7 garceare fat have been crested rvs cl ingot soci ar cae eee Pl is ley dees leat mangeretmgones ‘ac of ey ae Been cretes to pone ng frm Adair ont 3 ater tril te hansen Sretmenagorent compris fereank france compari. Ach ofthe big acon not cari cut by RL anes oar ‘eng depots fon pb lenders aks ‘managers of got dt ‘To cesny Nowe cles fr payment and every secutos sltesbow ‘Thu eed cui ra an ater by SEB vest ‘Tan ety aca rough be ook xrarge calles teelgn ints ‘reer porte bedes. ‘oreagat i {orleans “re Corpoe sting are elt elcroic for teed of pyle, by. Registers > custoans Deposteres thaws sch fe flonrg te eee muti is ‘Dprerci unt need scien o nauk svg ait Dang of rvestor money fr ivestnent capt make and ‘ier veces Imanape th seg net wrt nals Sie store Wich ofr fotoung sot cre stata FR enersiee monetary cont tug CRR and SLR Cling hana a varus eos are raane by SB IRDA th regu ofrsrance rat flsng of orey tag sve shares by 2 company spa of ‘onal mare Sf depest of cash under ORR eaueement wih __ i requreren RGlsrtonay BL manny lun 6 Seb vn ‘Uta cooperate banks ae cote: NAGARD Genel govt an NABARD Shiegon andRel ‘Bland NABARD ANSWERS oe fog ae ETE TO A Fae 302 BANKING REGULATION Uc te on eon ole an be eed Rea tone ng Ret Reto Reiterates 3 Regione (000 Fl cortnuouny ken ites omarion be _ofebaks tod ino rettaene srt tome atty Bik reteieg optic . s Bankof USA ec Fedo Reere Beard erove tanec USA Sess Rese aed So cot Se FRO copies, Gomme, & epty goer end ers & eT fo ais Lao tier Crt! got on _ bs sate oral thea of SUR net CR [i he sched cone Dos can Undoke fex tusness tha on tit a aml nes oe part print sete [RB tat no powers fo amalgamate fe weak banks ino sbong one Mansa and ret pol reviewed by RB: cnbimonty tsb once mayer (ceinayeard__fourtmes nayear Normal what pe of movement i sen in Mest rts wih ‘args bankrate by RS ‘Freporaoie ree, rete f Bake nase {Treporaa ls neonod, rns s of brks decrease {Topo rae rece, be ret at oar erase {Topo ralo reduced oreo. tae Isto Sarge Ine ‘ae ate of ta whch of te folonrg Is an impanant reason fr region of ‘ating ster: to proete confdene of pub in tanking oytem tpproetarest of he vesore {Seeure that te fran vt role and tarsparet atte abo ‘aa cove’ bank ote ase, RB keep soe minum vale of tl aporoea sets oo ot Cathandbankbalnoss (at, golsol and bark balances (ol cans, bution ard eg secs Site above Forcanducting roan bnkrg business pvt, Ieee intses e cnmitn oo 6 renee above ‘Te aupensory eons tL ats oes aby Inepcten Dparnent of RB! ‘our fot Panos! Superson of RB Sipeniion Aue. ‘ental Suprise Bankng ‘Thora encarge veers of aaa managed by im sank ar FED 3 SEH ‘The etry to sue varus pals in whic of he flowing Foal Paley Misty of Conmarce, Govt onda Farag Trade Paley Mit of Pane, Got of na atte ato Fer coring infatonary ot defatonary sates in ca, RBI Irakes use of (rich oe exe Cash Reserve Rat TE outcome une selec etch Set a bnBer socks of Unreasd stots of sugar with sari epraseting ee and te auger totes above ear wnich hype of the fling seciy, the orks can Te TEC ae Te at CHET TION TP aN 5anton ene: commerce peer rae of cept FDR ised ty oer bark ene of bore 2 pat Rl roplatins, th banks shout not santon new of ‘dona footy i boos spperng In RB feof (etter pod of years for das publeson oat tyra years yeas ‘Shear @ yea ‘Tha a hich Rl purchases orcas i exchange or cote le conmnecal meters fom bans eed ‘operas b revere repo rae SE te 3 tance These rest conte recves ae sua ROL under: Seeton 2 of Bt ‘Seaton 2 sd EA ot BarngReguaton At Section 2 and 368 of REI At ‘Which ofthe flog isan cbotve of mance of SUR by ban (1) frst expansion af bark eet 2) frees bank lnvesnertin approved seats (beni sevrey of banks: Tosa be tandzony 2nd Sony 6 Bey ANSWERS 0 RETAIL, WHOLESALE, INTERNATIONAL BANKKKG, ‘American Depository Receipts (ADR), Global Depository Receipts (GOR), Partelpator Notes (PN) Reta tating has 3 bose flutes and the bushess such os tpt cet cars sue, estan nd seca, pt ofc th toning fae rutpicustomer group utp products mle chanel ofdstrbuon none ote ave Whe ofthe flowing roduc in etal bnking do not a under ‘eal Spot predic ot xcouns, Aepot accuser tz ‘epotonysonioe site bie en Bans fave business reltentp wi the nua and business eis, his spar of wich ype of baking ‘vrs bang. Iramatna boning wholes baring ‘eal bang Which fhe oboe is ate aed snice a par of whoksle ang: evrtred ance oneal trang Supp chan marapement leterofoest Proving RTGS fact to alge compart part of hich of the {cling ypes ct cervene nde wll baring ‘rd based oorions ‘ale aged sorvees as ced ones Irret banrg sovose ‘he negotiate fancalhsburen wich fe taded on sack xchange of anther coury bt repsons seourly usied By fore Ised compar, scaled bayers creat > epatoy resit foaled sock 4. paratry nate ‘The ceptor recip tht are trades on sock exchange mn USAsxecaled era banking (Jol postr ccnts aro banking eenyae Iron bnkng Femina depot ects elle park inate sre ch oft fon at af rntona Baking eases ‘ict pot recebs ae nema ated on opening EEFC azn 3 oes sete Betaraes Sige cy mgt one European Ste exchanges ‘eenangpreshipment reat an epi hrematonalseckexctanges none fhe ove tndan sos ecarges, Prong tang acs tothe poo people of the sokty for a ea ey ed, ha conpaies can rs cap ‘al banat por persons as wale bart, called Inier own county ony ancl iion Inte Ames maton © narowtenkrg Criveral Rag inthe Guopan matt ony Inthe wotd ares bb The. contac nous sued by orgn ier vers mb ‘oyrsarng her nvesment ina enuy mata scald barton rtes epost rcats fave) Patepatoy oes re sed by SEBI rotted ein tional tenet ne Parspay roles wed manly by investor hedge finds favedin na s00) ety nec ect med “Theva can scar une ndng geera ot der themes cua ia. (ran Banks / Fl Frere incimmipentewee se Ituons) RaiOlcwha‘e Pacey ols ae proposed to phased out rea ie per RaSiocioRaser ecaise (ong er) be comple of KY rough ok ee Ratoiect Rader feor ci ie abe). Reo2dbeto htc: 1 Repo rade porcpaay ots is sont fo (RBI / SEI / Proveg barking eles t he poe peo fhe sot or At of Coparle Afar) {til benef poor pensar wes br, ald ‘aes Partaton Notes ‘aretl ey ate 1. oveneas date’ domeste 3a 4 fae abroad. 6. Fle fan ag & veal tng The @SEB1 ‘Thotarn so herlth nih cone tng, scaled ‘ 5 4 * * ‘ *4 v ROLE OF MONEY MARKET, FIXED INCOME MARKET ‘and FOREIGN EXCHANGE MARKET “Te lending an Sorowrg of nds beeen anks fr ono dy (orem cles exo money tem money ree menay 4 cameney Whats the madmum amount ft he barks 0 por 6 barrow noma), neal andres money make? 2omofcoptainds —b Sof captal nds ‘ov oteepl tds d—125%ofcapl nds What isthe amount at Cooperative Banks can barow as of thor eppeale poate arate of ae of proves yar, ne calotee money mare ose > om ™ 4 5% “Tres bare sued by goto berow money wi aay fared of (1) xs thant ys (2) 9 cys (3) 182 ay ad) Sotceys, east » tse 2oseny 6 tow Certest of depot sued ‘tacdscoutio foe vabe Whats th rim ad asm amc which crite of ‘epestcan be sued Ra tlcand ster Re tlecand Rs lee Re tlecand RSS oe Re ac anno calgon maxirum Whats the matty prod range frie of ceriet of epost? Teaystooreyear—b 7 dasto YO yeors sSoaystooneyene 4 —_1Saayst0 10 years ‘canara Pape canbe Issues y compares having (1) cat wordy ef Raa er Gi) kan accours m Sandord Caley (3) ‘Stetoned working capital uo 10 cand above ad (3 Gras ig fa as 3 of CISL. Wc o ese sees Secon? tedal © tondsery 2end3ouy tand2eri ‘Wat the inima and masini aru fo which commer bape canbe usues Ret lecands.ter Ret lec and Re 10 be RaSlac and Re 5 be Resi andr cling on mairum ‘Wats the at pet range frst of corti paper? Téaystooneyesr 7 dayeto 10 year: sGcaystooneyear ——_‘1Sdays to yeas A transact under which 2 sey is tld by one Bank to rotor bah he unending at salr Wl repurchase Ihe same at hes de fos preclemined pce, caked Revere Repo Rego Wap and Means Advance ‘Mego stancing tly ‘A vanestone undarwtich a secur is prchased by one bank fomanethertankon he base of nese: Understand at be or wil repurchase te same at 2 Mire dale fora pre kterine price ales Reverso Repo Repo Ways and Weans Advance Magee! Stacingfctty ‘na Coltri Berrouig and Lendng Obiation (BLO) he rmenber of Ceng Corporation ania Le (CO) ean sale eecity by the secuies lend or brow uns ops cali ofegle secures alte stove aE Te ae OCH TEED Ey 1Rate fire! nl nd ote mony seal, sed on given in be Handbook sve by Money Maat Asscton of en nse gudalnes even by RL {ven inte Handtok ot Wart Pacts aug Fie income Moray Maia ond DatabveAesoiaton ore PMMA en Inte Hancbeok of Market Pracons sued by SEBI hats th range of matin pred of ea scutes? day tn 264 dye 7 days toon yor oneyearto yen coneyearto yeas ‘Nagoted Oelng Systm Crde Maing (NOE-OM) rls to vane ne town econ ag stom operated by RL lace taigoytem operaed by Bonbay Shek Exchange lace baig sytem cpr by SEB lecenic tang sytem operaed by Nana Sock Exchange ‘An terest ate span arangeert betwen no pats vo ‘pee to make prose payment 1 each ode ft an agreed te, catulted on pina pls accredits acl pia amount noon ctl amount anyot te above Ind, te rest rate saps ar eed based on whch of ho ‘cloning bench mars ‘Banka andMIBOR MSF rat ana MIFOR. MSF rat an MIBOR IMBOR sna FOR. ‘cent of Noy standaraed nate, wh an restating inermer 9 urdehing abe, Whlh Yaded onan exchanos iecated inerestrateswsp 8 estate es Inet rte pte inet ale oat Inn the orsign cueney rates a a by a b FEOAT Fauna, 6 demand ant supply Ferma mney mat a wich ong tuBoR » b0R Bankrate 4 arate ots op banks Under Ferdgn Exchange Management Ac 109, be ance f2 ‘pera aurea parson sate by RBloniy incase oftans ‘SEBlonly nese ones [DGFT inca of money change Relea ‘As per Forlgn Exchange Management Act 198, which of he {eloing cnr be ncuaed nrg exchange ‘rau! aya nf cureney Aft and vavelers’ cheques eau Ina Bt aya nrg Sats ad waver’ cheques aun in ose ea bt payee n tran cranny roe ft stove me ot es fo Sa i nb oR FT rman racer Or NE05. v ROLE OF CAPITAL MARKET AND SEBI “The primary mate, within the cael mare, cmp —_ mime dart pu suc et secondary tes ma Pe bevel pve ocener raat Pvt erent mare, secon Ee aie gut share marek profencs share as ‘The arson process of on charge fom a rutaly omnes ‘rsosaon othe sharers owned eompary, scale ‘mtaon ‘emitsabon ‘Secnpaatsaton anette tore {Wats be adventoge of demutusios sock extharge oe the Fl sek eehange: {hocnmeahip rent Fon adn nist thomarogenente eet fom owneship and ora {hr erent forth merhp ad manageent alte ator $The menu sharehldng of stock exchange canbe tld by 8 Tage veer esta: * bo ‘oe sm {Which of atalovng nt characte fan uty share {ecaled rdnay share ao “represents congas carers of the compar (be hid undoes erprenenil rok sssodtad wih 3 Pasion verte Ipodes voting rte eh (Which ofthe town fro a characters of preference ‘hoe Fer ge tg ight sao an eat shrebler ‘mere et fe end. Stmer gette denn proerence overt equty carole ‘casero ofthe company, ey gt presence xen i ete ont aioe 2 eSpace 2 RSEartt ener thse reese ou face escis a company {eae colon sve share prem sans, ‘Teter ety set epeaens neha ie noun the eat ed 3 copay hn eave te sey cat acoroct trea eanpny eos # recs fr depos of sect fo ‘aron ptnen te rep eed by 9 saartzantacnscton company te poo of toaetzaton of ronal srs fe cept std by pute conpony er the many rece peg amen se ‘evga ceet cee nfeaness cated ernte ae) Siroystore J frekrence sae inte esd mat ting oft cane bond at, Saeed ont mvt tres ones yd pete ty ae io at ecanant mare pee “heer he bod ets they stares. on cen atte bone forron ond Serscuzen ond ‘Svein to fron fons ‘econ papers te ting fates Us encuns arent 1 Son be tou by corporis, fone ets torte Swede stor is bbnedssascunt fe tee ee te pee rogtny rrr pce by SEBL te det ‘aes eh one aoe ‘ont be fa on se ecenge fad by ay of ple ‘eset sets must cay costrating tom ary rg op) ‘Sino coneanes snot et ir ob eos Bod on 2 Socecome atch psn det sects aed by pb company cnr Yn he ors re payet deli o ba beer make payer sects toe ecange kcal “So GENET ETN GP ai) TBpayinday 5 payoudey eter ay ung ay ihe scat eng andtovou hae te vest can led thr suis Sores 1 th casing Corpran and eam nica theese con bora soci rom brokers When 2nd Inte corny ise sh secures othe pac scale Fah org ther publ oferng bus oteng tap oering Tha pate placement (so cle quae ntutenal aconent ‘=O oferres a company isregulted ul 5 of Companies Act 's typeof nasser bonus asue Ie ani of now shares toatl group of evens alte above ‘Which of flowing SEB ebghity nom for kau of eis ‘su byalsted company? {he compary shoud have pidup capa ofR20° {he compar shu be uted 5 yar a nat {he compar shod ret have made oes thet aero eat some ‘company Favig overeat la of SEB on bas of fle ‘lcument ed bythe compsry wth SEB, hes fo go fo puble Issue win apes st ‘rth > amonte Sienthe 3 iswecks “he ctlerdocumer le by acompany wih SEBI hues: ‘eprespeaus nea ofp ese ‘ler ors case of gn seve loder foe incase ot ghissie te above ais af the loving Is not deco in the rstarng ropes the pe othe sare itera oles {alone and upper pie tend site stow {na beok bul pu isue, thea of lean betvean theo Shvesors ronintusoral Investors and qsisad nehaerl buyers 85580 © 81550 5035.15 3 $0955 ‘The booking ae anager ina pub ese means: thoregatarte be ssve {helead manager he ese themercran ohare ue the specs company engaged i manag book ina pbc “Th ale at ofr canbe mas bys compan bac! estos ony i reside erga veto ‘vet it msm of 1000 shares aibeabowe ina bok biking issue, which ofthe flowing tm eling fo fe, dows ath {he pice band Ihe range of pce wih in whch te issue wl be foo cee pc atic he hve sal te scaly ued ‘icf pre = he neu pe blo wih te share wl be teens ithe tore SEBI fas th autor to inepect te books ofan sendy tos ‘pany ora coy ending ge ied were: ‘SEDI nas reavorale gourd to bale thatthe company Incl io eaing SEBI has Yocsonable curd fo belve Bat fhe company is Incng suse pace SEDI hae osconble feud fo beleve Bat the company 6 Indeg tr practice iheatore ‘hich of he flowing has te eutoty to suspnd wading of he sees clear conpny a ek cheng Sea ‘Cental oe. fal & Sibesbore Which of the folowing camet be Tnlded In the qualos ‘retort bjors (IES, ‘hededconmertis banks and andl naions ‘tal ds and point nds ls regstaed wih SES! er Venue capil nd registered wth seene oft above ‘Wnehet be olewing ned ncthave region wh SEBE ‘seus ‘tal estore ‘uaesinttesl buyers fortoro manayes [pase et ed, GERI can atach the bank accounts ot load) ora geten anaes wih sci ara fx 3 ‘scrum pod ewes > nemenh conejo 4 hatin The tm “Appeatlons Supported by Bkckod Amount is oc wt toplestn for roe of toced mney by govt autores pteston mane ep wb bark aga! hae smart, pesto a alomentpeavert sexs aanbar sm appleston fr epening ofan azo. Under AplesonsSuppra y Blocked Anau, the bnk hich Isrecognod asa ba capt of roid ASBA serves toe ‘user ales syrdestobank emia runic tank = d_—_barktnthe sve nated company can sv aly shares or oe secures, {oc quid tional buyer (1), whet gong pus su Process aed prvi placement Itucal pacement ‘used ntaoa pacemert aid pscemer ‘A pinay eco tank wih demand on ie bis of far abve nd Icnsod by RB, sled as enc sic, fina 12" Sahel of RI Aa 8 Utan Coop Bonk tooo > Re7ser Resto 4 Re2sver Win ofthe folowing cantons i rat coecty sated to be ‘ets by 2 pinay cogp bank 1 De ete! 8 Fhandal Inst, fo uing i Seed of RB Rl a Ubon Coen Bane (CRAR twin 1256 (Gross NPAS ot xe tun 5% Condo. rts fx reves years iat nema ota sol ica tan vest abe gato ‘east Rat Ganah Exaty Sag Sehame. ReGioe > Realee Res0lee 3 Rede Wat fhe me ameunt tah inves canines in Ray (Geen Equy SavrgSehera? Ratise Reson 30000 6 Re2va00 Mat Cones Exchange of Lis MCX) dos wih which of ‘he foboig ‘Sele and purchase of commen commodity hues warsctone carey optons ‘cameras ‘Mut Cones Exchange tnd i (CX) doesnt deals wth hf he olowing fttesranactons: tualon ‘erous and noneraus mets apteuhue conmenties ‘eregnoxnenge rs % 16 a a06 ROLE AND FUNCTIONS OF MUTUAL FUNDS, INSURANCE COMPANIES, IRDA ‘uni a mecharia (ich or is rt come: {opal esata tom he pub sg nts {ohne he undo pods spor tectios {o inert the Rnde 20 pole e por Second ine ote tor o Be bore Fer peecon of ver of mutual und, who famuses the pales‘ rogues te nd urs pect the terest of rete? ‘Campany Ls Board trounce Rogaiay and Dovlpmant autor Resor ane tna one ofthe wove {Te eaporably make ivezmartn vatous peso wecties ‘oral nates wav when oe law ‘sonor tstoe ® m Teer 0 gate, en enon nemaaigwd Ft os cated ye oon ‘Statdcbina eget no om ‘a a feearase ‘ie ht tov irate of anon end sche o inal ntl ern ona crs as GE putas nye row ova Oy Be kd 2 Creates Sree od may pos Selayonwediech em obey Paired el ands SSE mutes, te ‘Gifs Ser ousteuso kates esheets on only repurchase of unis eng oto uns tek exchange ‘hetind may oe both the tes docs ne get any ent fay unless the scheme is (Which ou he oan he ab fica ind eh fa [eprovte meso reams ‘Toro equa come ad growth of kvesten, tance A schones esi ged secon ‘Shores some ‘aut and deterrents ‘heh ote along at feature oan ino nd Trermectnent rept th poo parla dbx Ihe lnvesnet othe screen the ame wattage compsng fhe NAV of te scheme woul fale ao exc In acaiance ir for tie ofthe aoe one the sve Ihease of be knesent imal inter schones oe ‘ave mat ino or mute! os ‘ture eu us STO REM TC ARTIS eaROLE/FUNCTIONS OF INSURANCE COMPANIES /IRDA “The enty ee apt rgurement or a insurance company in Ini Bete, Reser faze. 3 Reitoe ‘We fe fonrg requis he aun bss nods Ucn be EOC SER 4 rotate above Insrace buses i hed: ‘Clspev.eensrane fe inure, ris: surance lates tee stone anditeouarce ‘cones (ele nsrce te surance, mis, inernce and sees ee sure, fre Insunce, gene suse, fie surance “heroin Asha equi the inerance bushes ee Instance At ar RDA Ae Ue ner Ata IRDA At Insaco Act IRON Act non Contact Act Genaralaurance Ac RDA Ata ian Catact Act “peta of rear re pressed geneall by oA Insrance companies nenses fgireral instance corparice fx general Ineuance and We Feuranoe compares We eurnce none ofthe 16 Under a contact insurance, te payment a made of naured ‘araunt on lo he owing ees (wich oe ot sect tedate ot may ‘pected dts apeodel eras ‘death in cae appen ear an date of matty ‘eat ony al cases. nase of whet ite rsrsnce ples, he bonus coed by {hoeuranc eompsry any ‘Spades ecouce ' badd oe pte vate an oi song wth contacted amount ‘Sot pa aa Aster’ tac i penn pyres {eee fo te bar secur of te poy ede t Be end ot oat your. ‘ino fe four i ct conetegarng group nunc: thal costo wanes cover v the insurance poy saves adnistabve costo th pokey {he goup selaten med a ming & gfup wich Wl how anal ot mona. ‘onset the sore Dever incu Onbuttman scheme, te. Onbudenan ie ‘powered to resteas eslomergrovoncen where te nes Sports idettan Re tae ‘pte Ratoloe lee tan Re 2060 Wins ‘ype of fncfon & caried by the banks under aneasarance fr Seep er oun more roi an el Pa the bans develop ter on nsrance roduc ad ell irogh of ‘thar comganies Ihe bane date auarce poses fone compan other Customer as apes. theta dot nsurarce psu of oer compares other Customer as apni wth whisk or ihc eae. Wier of the elowng i the adtanioge of bancssuence bess to bnks (leh ore cama be nated Improved eslamet anion na evra easton ssfoten Iigher employee proaucbiy rears of eaing fk fe ov-eetncoe one othe above {The cbjecwef creat of ROA is 12"teciste oping of Ineurence companies for caaelag Ineranen bans {> teqate and deeop nance bushes {develop mowanceproastsohat al the hsurance compares ‘stepper on aun pater atthe above When an ieuance conpany ideas te awed gets he fig over ale, rhs and raves wich a aaltle tthe ‘ner apart 3" pres. Tis it © avaiable nde: eile of sublet, pci ofrdenaty eile of subegaton cil of prxinate cause a pu ere oF to an CHE TE TOE Ea DhAshok Kumar ans 2 meble ep shop where the vale of ‘supe ad lok (on average) 8a. doce, {he Socks wor Re. Tac Be draped. The ve tures vee Raine, ht be amour of am Pet ok Kiar an “et fom be nse compan? Reaiee bRe225 be Retise oom X gt his house nered ag fe fo hot ela, When ewan hoy. hs house caught fe due to leakage, of LPG ‘yng He wi ct get ary calm because epleaton of prope of insurabe nicest reco of ndemiy prepa febrgaton pce posina cause To be eigle under Aam Asin Bima Yona the range of 298, escroain be pole betwee: ‘SyeortodSyear TS yeaeto 60 year eyearsioseyeas 18 yeareto 6 years iat the sunt of surance nde Am Ac Bina Yor or ‘atl det nd csr deat? ‘Res0000 reach 75000 reach 2000 fort esha Re, 7500 ft clr sth 7500 fr natural death aed. 5000 fe acide death @ oe “ 7 v FACTORINGIFORFAITING & OFF-BALANCE SHEET ITEMS (1 octring, to foctr makes payment fo the solr tn on be lof Sane the sles uncton fom tne ster tone factor sselgnnad a ecevaties arg on acount of aesteo expe, Iyptrecaton of bok ets argon accunt of ames sles atte tore ‘Te winou rcoue fatnng mean: ere te fac ot reapers fr the os the ele 00 ‘ecunt these snr the foc soeunes the rk of cetaut in payment by te ore thei of eau in payment by the buyer is Dat of tho ‘ster there al erik sect with te fcr i thatthe bayer The wheat atring mess: ere tho fair ot respi fr the os the ele on counters stone snare te fac aotues he kof eau ln payment by te we the rk of detaut in payment by he Buje I that of he toler ‘there fee associat ith efter taf he buyer Tote eigtle for factoring fect, the sees egy cera ready tes inn ack ocr of ai yrs of entero in business ‘reser potably Fest neva nel worth ihe store ‘iif folowing cat eardng ten factor: I domed foctrg, 1 fader EvaNed ad Ih eratiral {ecg 2 facts are inhed Ih aoreste acorn, 2 lacs are vohed an in trator Istria 1 ccmessc focting and reatonal factors 2 fats are ions Bomeste factory and itratoral actor fcer is ved Unaor tbe fratng, whch fe mest comment, Fofatod cet Het exchange ard promisoy notes oa a 8 CEE ETN ai 25Promise) nts and deen Hiinroconties ste shove Unie titra, he exparor fe abe to easter wich of te few rc nest ik cere Stet ak are plies sk fe above ita contingent ait (ey Hter of ro) cystazes, Wis ‘lected nt blrc soo oa bark [the men part he bre sheet a an asset Inthe nln he bree sheet ean in he inp ofthe tlc shee nd expat in Te notes on secon Intbo mah blrce sheet ety ‘When fe fing a alate seat em ‘red it epactoned oat fists fred ane he ora ecunt ‘te above I's bank quai i sued by a bak in Hof comers reqenen odepal cash seco ares mony, = 3 ‘anci quarsiee orormarce guar ‘otros payment gaetne syottoatove trating alr provost sane on ‘eon ba ‘on on esrb ‘hero nd recurs oth Site decelon oh far ‘ich ofthe felony paris ma ark quran ae prepay a) She boroner on whose beh he usar ised teneian, the pany i noe foour te guarree hes bean sued seat ifr bank hata ed the tank gure -sey rane te tore Ira lam fr mado by fe Benet ang te can psd enon the guest Ihotarke abe of ebliy the bank omsins tle und psd tho dam can be made witha hw revered pet of Hiatn Under Umtaton 869 ee ‘Reclaim ean be made masinun wn2 yeas, ‘pasty on whose aque! te oping Sane nee tho ar ot atin cas bene > opatean site 6 eater ‘he bank that sues the LC undertakes to (Mich ne is reve pepe ‘Rate pyran io febeneiay sj the bene, hater slo recover fm appeart orto ages te socumanie boy te benafiny, haber alee covet fom apart sj he bene, wha its ale to recover tom spare {POL apis to cacuments menboned ne Lc ‘he tent that mates papran toe benef cn ect of eens spat ter of aed ‘angen boven bank ‘paring rk gota banc ‘he bark tt ges quran of ti oping Donk to mak the jen if the apering bankas pa, cals anarangberk bse bank ‘pein bork @_pegctatng bank ‘heat he ong bank i cand he negtstng talc ‘he onk that ves the apport eutheny of Le ‘ho bonk tat mates the part th banc on recap of ‘ecumant as mentonad eS {he tank that guraniees he pay! tothe bent ate ‘aang bar dos not ay ‘heb at purchases fe docunart ta dlcout, I eso a0 ‘otra apes of Le “Tet ofa eating bank sa the aig bark ‘Slr the negli bank Star he openng tare {5pay ever ube he corumerts re rot apr tere of LC ‘hc tat canbe coal or amended ty ths opening ons reveal Le 3 anaay Lo Ihe documents suited byte boner ofan LC ar at at “Sao an TET TNT ag TTseiemactioes Ure there cn on arto he ng an conten ot ftewopat ese aebe acapldy he nagsang bark ‘Dee amb expsby Dooaty Ban nit to content ot in etre Pre i oven lees apt o Sane nope opment ey Nepatedsers Symeapleae tect sre > gememete ricanete @ _ fehrgic ‘he peo rane that Corey 8 dtd payment 2 gocee See eepaccs ° 4 | o v RISK MANAGEMENT & BASEL I, BASEL I AN OVERVIEW ‘Nrganizatl ll in each bank the ovr espnsbiy of isk management signed a Rist Management Ogeneaton Fisk Management Corse Board of estore Re Macagamt Sib coments of Board ot Diets ‘The proets feet rang nn comprises of hh of he {along wtch ene ot caret snsessrentf creel Iseatston of robe one signed of ak args alan of prot quaty, Cet ik may take who te king fom: fut of pagal eet ina cen Qo gunanoes aon ‘eptalzaton ott) unger» ater of eat ‘tues steer rt big alerted by fe other bank atte owe "ich othe owing caret be etegarzed a prof he meat ae fy Sone Breanna ik rere rt a ‘Bacle Contes on Renkin Superson recommendation relate Foss against ran pertoingeans ‘edt rex manage ‘abtenance of getup Pines of eet dept surance tee possby cess du to ome breskiown nthe esl Cente of bark ths scald mrt se techno ik ‘stone ke peated ek ‘ase tase on he flowing ee iar. Which of eee dose Pls Cred ok eT Sa TENE iTlor -2 Superdisony Review Par Operational ik altheatore “he pleeiain of Plo 3 oq focused on Tranlance of ase cops Uettce of eleven eto nha balance sheet egaing ‘ial desusey ‘rk the an or span tothe mart constons. ste stove ‘ep Baz he Tl 2 capt aroun ane uals S05 fT ‘an be min 100% fr ‘Gn be masa SDK Tar ‘abe rum 00% of pl aru fe et Basel 2 rxammendon, to amount of ane ‘von and gavel ban ss sates soul exceed emeorte Ter ‘Peoteaptal ne Tastes wamsane cfs wogtod ae heh of ie otwng i ot pr of Ti 1 eats der Base 2 Resonmensans fad up copa and reserves ft bak foe ppt del sumer Einuste rnc penca shares Pera noncamdsre protree Nef tbe long porto Tit 2 capt under Basel 2 recnmneadatons ‘Gonral eserves of he bank Investment fukn rear fut proven ans ss esr Perpetua roncunueive prefeenes heres "Te hybrid cet cepa ements naa Tr 2 capt, donot ave the caret of thee re nested these ar a reenable a ent oth lr The serv fiers or den cael be defred these ae aval for rang ses oh bank How mony vey pines ae re for supers eve, 36 pt Beslan 2a i ‘peepee Spree 15 Which oft folowing satomentis cone Pia coglenent the iia 2 and Pls 3 Dilsr2 st omplemen he Pia 9 snd Ps 3 Paris to complemen th Pia 1 and Pla2 abe abe ret compliment each Bet ‘The Bose Commis on Bang Supervision ws conte: (Goverers of Genital Barks of European counties (Goverers of Cantal Bars of goupof 1 coutes ‘Gover agar Reserve of USA ovemor of Federal Reserve f USA and govemar of ank of Engand ‘As pe" Basel 2 rocormendatons, the subordinated or debt ae reseed nother cpt 25% othe Treas Som one Ter capt tof canta tne 1 e residual may pred of sutrdnated bondi ss tan 8 Yor, valu canto taken at stadecoartot20% ‘Radecountet om ‘Radesounteteo% ta cumuladve dso 20% pr year Cena speci prescipion of Basel tl cantsh adequacy ‘amenodt wl cntn oe slong wn Bast sunaz0ie 3iasz018 Siaca017 31082018, BASELAI BI stared implementation of Basebl ecommentaos i Ina, wet diDizo%s sroa2013 orok2or3 ‘aE Aah CRETE IETS eat TYsa.09.2013 Basel recommends shal be completly inlaid nda by sano 3uaa2010 ‘asz007 Srosaote in Ind, be banks ae rogues fo mais minum Pa + capt ak weg sets ao (or mr capt ik Werled smal) anon ie breach yor (i 34 each yor 2%, engin bass ‘9% enging bass ‘As pr Besa Il iglemaniaon in ira, Corman Eau Tat 1 ‘aol ust bei ork welted anes on ongoing bas eon oe os ott ‘As pec Bate It implemerson nin, rnirum Te 1 capt ‘mantbe oi walhe eels on ong bas: Sek me o* 4 ‘As per Base implenoraon nd. (rex elghed artt eT 2aptal canbe ‘rng te prabel un pate hom 10118 O10. 5 arenes aeRO NE oa : Ba es eae res ie08 y ALLIANCES, MERGERS AND CONSOLIDATION Ina ustonof tellin, the llancs partere merge wih ach ote ‘oa soporte nes ne cfie lace pars, soqires the ber Sy ot a stove. (2 iit of he flor stuston represents the merger ©) cambinng of tw confaies no nga company, vio ene ‘uric We neo and to cher boas he compar en “cambnng of we coneaie fs engl company, whe new “ely enerps and bah be xing eamanis ase Be expats ony, contig oft compares, where bot surive wth ha rama, 4 ayatbesowe Whit of he folowing face motvate the margar between 2 cmpana: ‘Srerseaon of aches inerovedpotaiy inproe ecoromes ese altnestowe ‘Wien thr is merger between 2 cepanlsbans, whee one ot {hom maybe the clo petal super of onde or anos {oie ater, ticles —— merger glonerte merger Sincere merger ensonal merger Veal merger Wich of fe 3 ridtsd bane had ented int 2 ete ‘liana inthe year 208 Carton Bank Vaya Bank and Pura & Sid Bank Cereraton Bank Vy Bonk and Greta Bark of Commerce Coporaton Bank Ion nk and Oren ent Cormeree leon Bak, UCO Barkan Cranial Bank of Conmere, ANSWERS. b @e oe HE Oe ceremmamto 4. Inmorger, oe ot he mest Mporint prose is__(ereaing thee of peat edu the octal cos! operations | 54 rane ce lesen) tpt eewoon tans ae eine lcommialconmercyal AiSpe areNomayoreae be se ct bthess aot ko benef args ues) Monger oto (careyaton/consoktter) Swap ato tie icp pote sands (sc of ta ceen ona! epg stares omega es) Travers ergere 4.00 2.01 af 4 coraiton 8: Shed of ores tra ettos10 7) Credit Information Companies and Banking Codes and Standards Board of india (BCSBI) ‘Te mar promoters of IB. utch oe iota: Seiad HOF Resare Sant of ia Ctra canal databace ot omatan Teléng fo bres wien [oles tom matt alec trough ewapager reports [reco fem banks [feces fo Resrve Bak ‘The ar paces code orleners: cuts responeblly on banks © provide proper infomation to |S 2 code epcivng te cigaton of banks vad e borower ‘52 cade specng the cbigators of tanks towards the epost |S coe spocting the ebigaton of tanks towards the barower snd depostors tos apeleaton upto Re. reject bythe bank le dain wh nti esos ‘Te tanks fa rac cose wan ough in 2004 by: Revere Sanotoga Idan Bans’ Asocaton ‘Baring Coss an Standards Boor ofa Gon ot aia TF tank's manber of CSB and soni te code of banks ‘comment to customer, which ote fling codes wil ot Be sepa ont bark ‘Far Pracies Cote TBA’ Fe Procioe Coc Cre cart operations TEAS Model code for calacion f doe and fepassesson of seca stheatoe When of he folowing, equates the busines of Cre rman Companies? ‘eat horton Companies Rs amd by Got. of hiss CCRISIL Creat neenaton Comspry aqua Creat Ifrmaten Company (i) Pat is ‘Get oration Beau Inga Ltd (CB) ‘Wats thf, hat parson ha to pay, toca is cre report ‘nde Rl eles on Cred nerraton Companies? bo Ra2s R100 wb we fe Fale Pace for DobtColction {tatoanis repaid bythe wont, te bark are roqued fren {he ooauty mir vin posoa of (10 days) 7 days Se aa ROR RUTETOT OE “ace Bas aT TONS Ta 97aye iene) ‘Who 8 Borowerghes a stock same. secu draning owe i reared tab elses by ha bark win (on welt Fewodays!2¢ hous meaty) ankle concemed regarding rene ofan when the browse (incr ss doa ot seve eres opr cormarent | dese enor supers bi ai) Sark can coniefing nursng of @ barower soz te ‘coun tenas substandar a peed eedng (ne reth/S marta! 6 monte monte) eased soot rung of restucig of boron unt, banks wi ivglerere a retabesten scheme wile a perad ot (0 days 80 dye 9d) (On itn recovery proceedings barks wl ot barowes tn ‘ee borones Rave a compan a maken hs fogar bee "ay contact ear hbne rane (Tie fe) atk stat deputd for calecton of cues ohn secur feposessin wil erty hese hr (Tre fae} Nomaly ou repeserisben wil” cerfac | borowece Retveer__ less tt. spk cheumstnces of har Bushes aura equ ohare (E00 he ad 7008) ‘a0 es a 100 700 rs and 2000) Tee are rant of asa coats anversaten woul be lcumert (Tie Ft) IPorowers so not edhere to payer aches,» defiad oees in accordance wn eva he wl be flowed et ‘ocovr of das whch wl be gien fo Boros at tha tine et ‘Seton oben (Tus fae) “Answers Fal Prat fr Debt Collection 1.7 days 2 2¢hous 3. 6 mon 6.60 Gaye 6 The 7. Tue 070 rs and o00 ve 0, Te 10. Te ‘Banking Code and Standards Boar of nda ‘Baring Codes and Strdarcs Boar of fea (SCS) hae toon Setup en te reonmendatons of cones (Naenhan Cente Taapore Conte /Jntran Contes) [oSBIRa been setup es {Company alam by sch) Forte fet § year, BOSBI cost is fds ty Gants / NABARDIN. ‘The mai ebecves of te BEB! wauld be te pln, sve, repre, dev, promote an pun vray campreheaie aces an standars for tnks fr proving fa teatro ie ‘toner. (Te 8) comprehensive Boner’ Far Price Code popated by an ‘<= Wering Group fused a a lander by BOSE TRA Po} Eo cote Cuter Save wish a vba Coe iid yen 680) Bigatti Cote fo cones sven spies oa te Dobie se son wt ey oe dey bas Sdecine socne fu cov pw ty et roa ‘ate cesar dren, on he iow Oy my sr trod fo) rr 8.68 chong ams fat as cane tee by Sega ree marth) 2 monte em) Broa Sete cnet at on concer eat nt be doe tyerts tin ye! Baye 1c Fhe seagning on tout x Soman opr ose. purohe ck eto wgven'o become’ @ monte 2 tone eT Suing Cad nd Standards oer Aner ‘suaponCormane © sony RSA Tan SBA Boo. Te amenna Says S noe ae RETENTION Cy TFwa ecotal pot es REL eagaocegon zg ‘The ojectie of Inrozusion of Postahipmert pet Cred in Foren Gurengy (POFO) it: ‘tease ef ered fr got rable expres acces ands tertiles hp express covet leg ctency fc ik aie soo Woe Herazng te cert account tanscfons 1864, a seeps ‘tel Vl of Atle ct Arosment ot MF ‘ele Vot Carer of ME Clause VoD Char IWE preecpion on cet account ransacons, ‘Which of te flowing ae Slowed partltion f the cartice reney in ea "ed companioe ® tanks angpinay coders banks oy, “The object of whieh af the fcnng Act ala ena Irae and payer and promete ‘oy depen and ‘mahtarc of rexmarits nls Feregn Exchange Regulston Act Feragn Contbutors At PreventonofMeney Laudrng Act onmofthe sve . 4 os answers bo me oe Oe 4 2 v BANKER - CUSTOMER RELATIONSHIP ih tte ie, oe ment te equtament of deiton of 2 percn reply ving te bane | person reply going tank rat ave. ‘bean repay geting te bank ate encathed peonmanaing a kon aocaunt, 2 ete unconing as agent xa peso maining a depot ‘Wat she relator of ho bak nd RI when Banks hencing he crane est a stan bale nd ato ale a alae ‘agontand prepa veteran tes ‘rst ‘iat se reonipbtween «banker and» caster incase fale custo faces? Batra sien use a bene lo nd bar get and pineal leno ander When custome maintaining epost account wh bank is ‘eatonhip wih bark aot Debio and cedtor “Tse aebevetry Pinal end oper Chit and ape fread dete Banta custo elatoship comes oan en under which of te ‘olowng reumaanes Settee oe cser senso cate eet ‘i among elon rtaensip comes io etc btmen cinta’ atari hen aster rtd ou ye ark \Waperson who may ratbemanianing ary cher scone ape EET NE ‘GETS OUT THE TOS Cay A3 bolorandeiee 8 tale an bale 2 tatabenecey od Ioroe a ser lmororlses org erty a mado by he bakin he pass bok ofa cuaer Dator and he wrane he money. ha onions had be sed bye csorer whon he Bak camol revere esta bona, eteeved ety rested oh, ‘od his poston by spending fe arunt Siesta ‘isonet hase campesal the bak theo he bank ‘inom should tener conser bo actor oe bark? ‘A pesca hat been cong toe bark fe purchasing Seman rats, mal acts and teerahictastersfoxthe st Fremaraof param uo hs ben rng ile ar he branch fr th ast 7 reno Dpateon nto hasbeen ving he tench or enasrg cheques ‘often mone or ‘peten vo has opnad 2 savings account ny Wo dos agp. ‘bart tas ean cetosin wc oft olong: Intowe ef cleo of cea ari, te ators ote tantra Peomtner tact Eonar op > Sekas tee Sar ene 4 Banaresbar Von tortr sng nh nn neon casa ‘Shay she et cantare on nar sonsp menor ard novos nome onde mer ‘nme boehcey ‘Apc don {iene bane ses an onto an cen account, he ‘noch sea rat andeter ‘eter yea ‘te ane Novel te sore “Twough an oes bk ts um of Ra eo he art acount of We Ram a Pat Us jot sk company ‘one rasta ase. he cone goes nr ghd ‘Walser bteen tna bs congny Baten Fe rersete Seorerstoe Seat ses ‘ite eps 00 ttn er ec yay ‘elope tented of Ze enon ober Catone ‘tora at of Precratar get bent te Scr ederee baked acasmer Fer aioan bead n cos of nea, poor seg he > ‘trons ple near othe tank. Te retract. ected taser a par 4 ase and snes Invi of he ig ckeunstncs, te noatip Recon obank andes leone) sed ‘ores goen ron og 6 pon, {amehon oer aeir ceice fayee tart vue Imartark aeceaxe att cistomer” shoud be pied Invoton ging eet poeton Inverbane decksue stout cusomer shou be gents in espn pelea as per BA suggest mek Intern eclsue abou custome shoud be on a specie ‘oxmat supe by he bank seo rteration should be spor rma approved REL ‘nyotthe above Bank canot doe he as of account of 9 ctor, Whatsr he ccuatnce wires nd cgton to ce ta Sa fcomes sit? Spt cw taming actcn iaawet of bk 4 Sites (Gr Secon of Banka’ Sok Eee At 19, takes Weippe dscns mormon sb cree Tee re ehrnsd a ta tae Aaa can i toga hn tk He ata et estate ecole lomo egy der Neglect en San Renton ‘romped oct mac belaon fe banker and sera thet eprint. sites Ath oa kin tr ak Ee We epg boring aoa {ogee stud te ted spomanered Weg cRatotpeccs he bona cor ow On is ‘pes conte nore roy fers lowed 9 alcatel bank shod oss ‘covet habe race Tox Aa, bnkors re ured fo dace Be a ud @ ed owe 3 nb om WOW YOUR CUSTOMER & MONEY LAUHDERING YG 8 Antatoney Laundering ‘hat f th miemum bares tat he banks can stp in a Ina base eavng bank depos account which ofthe towing Stree canbe alowed (1) epost and taal of cash at ar Franch 98 wol ae ATS, (2) recog of monoy vou ‘dosrone pammertchamets (3) by means of depostclecton ot Shoques cram by Conti ‘Govemment ageries and teparienis ‘ny and zony Modal Dandenly AS per KYC poy f RE, who the flowing stuent an Se tesuedn cash thaanourtis R500 or tow: ‘aves cheque, donand ats demand date males. ‘al Ynsisteerahictaretrs tone ofthe above, PAN rogue fo be quotes, os pr RBs KYC pure ithe “snounteftarenstenincash = ove R000 b— Rast000rsbore Ieee tan Rs st000 Re t0000and stove Baru ae to Foe a chve wath on lage siz cath So or re taneachone in dost or ean scans sn aap areca ot sch areacons. Forte prpoe, the tye le Vansacon means, ‘here he amount: Rebar steve 1b sheversi0b6 tees tan 10 attest VC gules fake io account he recormenfatons of en ‘reatnal Fnancal Acon Task Frc (a) on nth one} ‘aindeing stands on conbar tnancty fees e) en ‘manulton ef ecorome ofenes ‘arab Banden Sandcony 4 aveal FRC pay ofthe banks, as pe Bl rect shoud provide or (a) canara acceptance poy. () customer Weniaton Fecedat ) mantng ef wensacons (sk management Sbandecny be acenddon Bcandaeny 4 dead Fork poy pupae, th cusmer means). person or nly aac TO ensere tty een strate na ace RiSinsgmmeecmerely ee erie ae non Ses Speers meesecnn anteanennrtal Broencmmeagemeemat case oven ae meraret a eco aecmpert emesis iatmamatsmanisniec cant a aan aaah) xh ld lat ir ts tere (a sl “ — ‘a.nd coniy comrect feregn otgn 0) corps hang alg erg ae (EN eth est ‘arc havin a exetns bt on pret 2 nk erated ou vd ar ove a ranch na stapes nacre as AeD opttel ate naa sn ened by UNO ve “pruar ces tan not of ncapaon Finca MOTTON ‘As per Prevention of Money Laundemng Act be banks fees o marian feta of egos f9 peed ot ‘oo coaaon te tareacon. years bea ‘years 3 alyeas 2s pet Prevention of Money Laure the banks ae Feed) malta record of Wansacsons of blow R10 foe (en te sprog of such Yaneactos Ie RS eg aye moh: Ftdlag one month stove Re 10 one month ‘hove Relea cay tba, aside dy ‘sper Preveron of Money Laundatng Ack. the banks are ‘gle o sub lo Prandal gene Untinsa, monly stsmnt of lage cosh tareacone cad, CTR. Wie 1 De ‘nbd fr Woeachone of fe, and Wein of dose oe poi FO, 7 days baw RAO, 7 days stow REO lar 1Sdays Ral Says {pat Preven of Morey Laundering Ac tho barks aro ‘ete submit oFnancalitigence Unni, aemen on ‘eokious Vomactong, cal, STR. io be smd or reactors ofa. andwiin__ofamang acon Re tole, doe Boa Re Ola, 3 aye fy aroun. 7 ays 4 yareurt 153ey5. Witch of te flosing is the document or poo of cater ety snd wis under RYE {elope bi baths mumber ‘eet bi 4 altrwatove ‘Which ofthe flowing an ingot eau of sal depot ‘oun ‘or ha maxtnun bare ha nt eae 50000 {lof coat eres he secant woul mot exed Ret lac ing an year Indy whens not more than Rs 10000 socal sandbonly baba sev bak epost account wht she mau oot epost end cash wana (cing AT) rasan: ‘acallag as a ‘0Punishes fr ofnees under Preeron of Money Landefeg dala prscbed fn ot Reb nd iparent ranging between 315 ye. fhe up acandinonent rng bebveen 2127 yer. fe up oar airport angig beeen 315 ea, terete ‘tdi TE rmber ised by DOFT Sadcou ib aibandcony bandon 4 todany nw cent ccunt wh Be bank nd he agrees hog of R10 be fon Bandon he eng of Bis Fad oc, he ess 5 cheques of Res. on ‘pesens and foare the aence anout os ow ath anon po (CR) Be dy tereav une ‘Syn ctcae tbe ronh SOc be th a clench {oa chase meh ‘Bayectcehernh ! trenn fig cron, KY eid Be os bet Teecnsyon —bteatneing eon | Memoesniveer 9 lastonan yo Fatwa ron ur VCs be wen bk Sesto eon Sheteesntyeor Hoots ne rome le reins moe these ci ie ceo, 4 YC regi be oe by fete ma cr A METEORS stloat ones in 2 yea [nat nce in ear ‘oat oncein10yeo otregied ‘iho he olonig oun of cute, wi be ctegaraed a2 low isk costaret, a er provisions Gow eet nt sto company [tre rm, asalaied erloee ‘eats empoes, oa. sont athe optant oe oct ‘As pe KYC pol. tha banks should not alow opening adic foting fo sczu on behalf a clei by prfessonel Ineardats, Ie yer and Charred Accountant, iho reise to dscose Fue iertly of the omer of the ‘ecsuntons oe To oy pefeseral cblgaton of cusomer ‘oneal ‘dont dose tee of he oun of the accounts 3 iocarryans oat rena Sohrpane sa nests Seer Sete ties as geiarcern ceercases Sere es hosuch cordon appteble iy tand2 con 2ands seat Reporting under KYC sf be mode fer Cash Tramactons and ‘Supelous Tansacions fo Frcs Iignce Unt Tre /2014, on _ basis by lst wating day ofthe subsequent tron 2 mnhiy demon ustery 6 haley Anower of ' s »8 v BANKER-CUSTOMER SPECIAL RELATIONSHIP ‘Mandate and Power of Aone Lio ight feet, Garishes ‘Machen ore. [MANDATE / POWER OF ATTORNEY ‘Ramesh Chard auhrses Dhar to oper the aecount ann Sheu Me ign cua: ‘sail 1b Agontotsccourt heer ‘a poze ler 4 Raneshhand over fatomey execute by apeson abroad on wih acon {ote olen indate eared be sped scan Fates fd by Cantal Gow ate fd by State Cont Nostame di pyatie Ste cy paid ose wont be pil ain. ‘Apowetstomey cane: Sevan powers ny pec power eyo) (ere or spec power atoey Spot sbove ‘Awan get 9 manda fos of Be oprate te acct ‘Tha gen mandele eee au elleg abo (Gueanoveeat 1 Ghe atarnloan “rar osaunt 3 dese axcount None otf above ‘mente ‘promo pay 2 fan ‘Ar cute t ponte agent fo epeaing te aecount ‘dn ower aban tocar None oe above taj accoura marta canbe canal ‘Atte seourthelos ‘ny ora fe secur oer Mary ot accout haere one oft sbeve [Apowe latory exacted aro nats by Notary pubic lnthatcanty: [a valid nel lof taped in nda win 3 monte dole e « 3 ° u ald atstedin nia ss by Chit use {svals ina also stamped in nda win 3 mon fom dae poner fate) Yih ig re ean power any Fandeexpeted inthe protece of tay Publis oo wenuw Un deed ‘Secton 0a hean Conta et ‘Secton 17. Negotiate tunes At ‘Secten 170. Se of Goode Aet ‘Secten 172 ran Cont et None ot above. Fav. your cisone, hes deposed can sacrin wih your ‘arf calecton of Perea on hese ses, He ha a NPA loan sczount so and you arto make se of ese sects er ‘pstnet offs ton Barer general an can be eared ny, wera he ‘Sects ae rceed fr al. ‘Seaates ae fora pric oon ‘Seaaties m reced in odary cours of business not ner 20) spate coe pape, in whch an cnet Sniters wes, the ln cane ered None ote above ‘Ram at 1.50 am, who deposts Rs, 6000 at 12.10 pam. Le, ater seni the re ‘Thee oul spp oi acu ao. ‘The tan il ela sep ha dosh ‘Thea lol app oe sou coor il pp fcour sbfoeed aout is ‘to wi peur decane ‘Nan ek Mo possesion an FOR fr mara money fx some ‘coat ty and mace moron abou We ie oaks. In he ‘ie, Deen of eta ‘Genes en > Pence ien Negave en 4 tirota tent at Wile ssnctoning ben a pu ited erway, yur arch has bon avis your Head Ofc oda an uerg. ‘om sal company su way The corpary dows at nce ates a one witout chaning pemsslen rm ‘fobank Sieh on nderng i eled fetal chrge gate lon uti mage 4 Seeardeharge Rioters ‘Which ang th folowing iss eavfared on the bank under Secon 17 oda Goneat At, 1872 2 arouse gig ito cal goose ‘Ont he ours, he ight of en cana be exercise 2 4 ‘vig ton depot trae ofthe boroner {od dopoet noo nara otha boone snd con Ile deed ofa roar belonging tthe borer ad depste by in wth ba nk ste cay Shares fa rputd company ihe rae ftoramer ara is wile feptin seer ran ee above Cn wr among the folowing, 2 tank's genera fon is aatabo totne bane ‘haba om dpa even houghin he name ofthe brow ‘he seus deposted byte brane: eae cued Ine fonds epesos ty Be brewer for aspects prpowe the seoutos te ash cal aa, whe tars no sect foran ovat axaunt ‘cana ei bt nd ef wth re bank gost, ‘GTS han GEE TE TN Fay 5S‘a oto ta par et deel: Fgh telan pomosson of onde respect of wich hw duns ae sean Fgh ap he xcurs inti Fite el be secures gts ny Pesos oer ne a "Yur tach wars o exercises fen ona secant aval or ‘Taw cer on but yu ae pot ey sie thr Eaton froma poe intr nrg rn 2yeore bays ‘year 3 NOlnt ‘yea ‘i arg th Stoung can be oxacod by bank ona tm (epost by dele wich exe 2 morn back ‘heat assignment b fight ot appoptiobon aot suvogsion (el recoue ‘aot ‘Roerthas 9 ig called. to eb wo acourts (oe of wich has Cebit tance a snr tan ret lnc in Besar pas Yotoione Fitter eto 1b Rigftotagutment facet ten thot approratin tort rer be tecched fem Iesre Tox Ofc for ‘itachng unde hg sag bark acon prae. cose, ‘eth lat evn ts oer Us 228 (3) fame Tac A Brnch Manager ean be std Branch Manages cn be ed upto Rs. S000 a teteced up ‘Te oreo b alos asset ndetut ‘mort can torocore om ba nk En ea Conse hoger R200 fcved fx aye on scat of Me tan bru Gerng Tho ah ben ie ard pasos {te mom terry a chau, Dg tis ee (cho urs eave Te ern wl apy oe atl eco Terr wet app ee anus seat been ted Dear woud tooo asec Sona se ightoteetfis enact, where the elotorsip i of‘covinase alan and deposed cheque for coco Incas he Carers ght of on fe ama of chaque ‘colle wou bo efocie when colected In fica he bankers gh of a of on fhe amount of chaque sb calectnd wou ot be efece int cae he Danke ft of sto cn he arcunt of cheque fo coleed permgsion for cout be cies een ofthe cstar wl be one Noe ote above. ‘Bank i Under cbigatn to imlonent 9 atachnert oa whan _tocived wet is raaonsip Wh Bat te pee mediate ‘geri {aera alee —_agentend rns ‘ebior nd erode 6 Greatoranddbir see end onal Beto ecteing tert stf, banker iso so hat ‘The amon nn mite ext td ue x payer ‘Botte seouns mut bein re are cpacty ‘Ter sha ot be contol bs contary ‘lhe above PRON of St of colored to be a "Stir Right. Wich of te owing As does BR het Saco 32, BL Ae Secon 35 Idan Carat At Seton 24 None oft sbove Xana omer o svi” accun XY wi we YX ha ‘overt sccont where be rat payng dues. C8n you ‘ree righ fst of aa banker fis ponte th exons omer or eur Inport across ct pore Posie wan cares of Nene oft above 1 tranche! Bak esued a tank gacartoe on bea of tie ‘lant Mls Shouse 8 Sout snd frat pose ht 8 tem ‘epee of Me. Shure, oe of the pares, coer A (ries cdr faved on te par tain he balance ft {ete depos ‘Sars cre does ot cover he em depos as bank as Fah teetot Fah tet ot canbe exarcod ajo permission ft cout (tof eof eanrel be earad as gararve fe contonent ett Taff st ot canbe exerceed te depcetar ge cogent ryote stone Your banenrecabes a gamithee cer in te sans of Mt rag, You ed hatte branch svg fevng acount ‘lh ie Narang i essed Which of these wuld be suet {ospaleaten ofthe oe et pot roc ean to arabe bank in soe cstoy ‘tocar hi nary wih swe vad nina creat eee hag ova ‘eo bai soaun th me oie in: ua under Ne durdanshp one of he above Under wtih ofthe oloung cheurstanca, 9 bank hau of {to ert Showing dtl alco wih the bark ad lop any ‘Sparafoelo ae aplcaton a ula Clayton's cate? then th death of the eater aes place en em loan ie ‘honing esata ance ‘thon dat fe cuter ik place and tm ben showing wen sal bln wha paet expires of becomes Incobert nd vert ‘Eeaunt i showing abtblanoe ‘then th pt acct ler expe beams event case ‘an ovetrat ecat cond ‘lors sop talon peo oan acount: mand ere Teale, CechCrestacoumt — d—ovaraccounis Sends abo ‘Year tren recover an machmant order om the income tae ‘athe Your thiol tf becomes peat, You ca eno Fgh of st of respect of extng cms pat octane Yes cn eerie the ot of of ater chiang en ord tom 2 Fempetet eau or rae of hese. Ramesh depois cheque br colecton ag bark stows ce to ving ane spoon spat 8 sod dg ths peed Dank Feclves garish ode’ on thea ‘Garner wi ply oth aunt ried nth account it {isl ean Ow eau tant ppy fo amount he chemo cee the acount. “Ge REET MERTENS ay 5D“The bank wuld sk Ramah, Teri would eae crate fom cot Secien 6 of Gv! Poca ae Ru 48 and Ode Xf he ‘Shel t Gv Poors Cos 1908, relate 0 whch fe ‘Soon ‘Shur of want when the banking company retwes to produce Fercose "none ne cuttone ani naris ‘pant ncfate raps te reo the ~- prs parertn eran ecm ead ane tsetse oc ihe Gem ced econ, tw fate be agit stn ome nrg. Smet re cto lcs ited be olan bale Ines be serene tein be emg toe [tt sett apa abt ther anh ee tong sates, be Clay nia 14 v BANKING OMBUDSMAN & CONSUMER PROTECTION ‘The complet under Ombudsman scheme can be made perform ony ‘eros fm ony pope and elector fm pape, acon or ary oer ose ‘Wit of he loin canbe eppoted as Onbudenan and fr owen te? ‘General Manger of RB onl for yeas at tine Gero ane el Cerra anos RB 3 ye ato Chet General Manager of lon for year ata tine. cette pn er a, 3 yo Which of he flovrg can mate compat othe Ondudeman: customer ee Revere Bankf nd on beat ofthe custorer Cel gov. en thatthe cst site stoi The Iimtafon peat for mating compat under the Baring Cmbdomanecheme ia ard Seger one year, fom date of cot of reply om the bank wre flstome na efi or fom ery of one month flr making tre compl he bank, Wie beh nt eed. two year, om dae of receipt of rely tom the bank where Clstoma no eefed or fom splot ne man air ang Ins comple he bark, whic bah ote 3 year, fom do of race of ren fom he bank where custome a ead ot tom erly of ne mah fir mating fre compart he bank, wher bank has tee one year, fom date of recat of reply om the tork where lela ino safe or fom ey of ne month sar mating Incanto pled wives ‘The appeal can be mace by me customer agit he Aart of he ‘mbacsran Oy. Gvemor wan “GOES sas CNET TON (ay 6sarin Saisecs sae cones Sora peenmentecamnrt sehen Feet Reerageen ee team emacs ate Speer ain atten seme Seisertn iced in Serer Ramee Sentai Soe Ta rmamemtencer ne am Sinem etter itn Sqinsiecnaa Se eee meaty Rieter orm shires oe ie Ps Be Sor pennies arse anes mir ennimesmreere = om =. tan Distt Forum, under FT pe ot 2 fn racine Seem Beet an ee 2 tearm MTEC ro spre porte 1 eppea 1 bo mate By 9 pan sas ection fit. Forum net Conner Poccan ha Sere abe has Deport he an cpst {Diet be amet te oe oR 2500 wie higher {0% of be amount be eee R800 whch ee 18\ot he anertot te oreo 2500 shore shh 1% otne anoint oth eer rR 00 which on Under Consumer Prsteton hl he Sse Conmsin can tian cee ahg an ara ‘ewRe20ie roe an ea sore R620 ae pio Ree iors cole Uder Caran: Prato At he Ost. Foun can etn tase tnt an ao wureaoiee oe en a0 se bore Red locup oR 0oe ‘poate Under Covener Practon Atte Nate Canin can ‘Sian cae ang ar aro omRe2dies roe an R20 a> ‘bore Re.20)acup Re 0Iae bore Re. 10s We pon he tf Sle Cons torr Pin at ecole ghee, 2 mont atonal Canes, 20 dye Supe Coat 3 dee s0appe pb ‘Tlninon pedo fe uth coeur cat rete yar am te tae tac 2 yrs tom dif auc ion 8 yen fom dbo ae tacten Ion pare ecg net apt cour cassorder of 9 eonaumer cout I nt comps with what ste puter "eno up toRs.10000 ‘nj nprecrent po 3 years hoof R.2000 oR 0000 anc enpisonmant of mon 3 yeu Fira up to. 10000 ane inprtonment up 03 year neues as os” 5 6 8 we ms He Re sb ws ote a PAYMENT AND COLLECTION OF cHeaue% AND OTHER NEGOTIABLE INSTRUMENTS ACT A chaque defied uot Act e Baste) 3 ¢ 40 . ‘An ROI chaque i considered val for (ich one Is mote ‘sporopi 3Srronne monte Simone 6 Ramone fie mericredon he cheque but maninu 9 months ‘You brnchecohes a chenue of i 00 wie hfs nd. Fv inwards Under Seton 18 cf he Mi Ac bane 'srequedtoreium echo, asthe mand nl ear i reqted op bo ancuntwitone wars ‘regu 1 poy fe anova nfgures ‘srequredo fay te owe the aout wen ih words nd EEndarament tat been dened In Negotiate Ineburents Act ‘aot us 530 ‘When the mar older ofa goto nstument sigs the sae cess tha such mak fe pupae et neetalon he tack fae teres oon ip of paper anes! Herta ‘ian he ere Flora ‘negoals ater ss the ‘ime tant fs ahs Wen the maker of negofaleinstument sins the same ‘hare tana ch maka lot papone negation cn De eck orcs threat ange Nene tne above ‘enorsed aches in fovou of an Benders C who fun sans the choque. The choqe ssl by 0, ‘hn encoroad {he chee in fas ef Ashok (an oli cesta of he Dx vas ansieraton. “Ashok tok the payer ofthe chage. I hs fo Ao ale o who. Festa te bank Festa te cramer esate oath prion ‘eis otfable anyon ses hei ldrn cores ‘Geo aOR ay OSeis otal ay one sos he hs aheny eines me payment Yat'receve 9 cheaue tor payment tom th account of your Cele Aur, Stir eoraed wh pare The encremen thurvse regular. Yu wi oni “owngreten Undeartie Prod unde At Peres une MA anyet be above ‘ondoaed chaque in Bank in foow of 8 who becomes Felder He nogotates tm faou of Cand C pated ts b D ‘wth endonement Ihe ever dishorou of he cha: Deandemand fore Dn conden tom 8 Beandeman fora 3 abe None tte above Whe fe flowing pes of cteque can be edad ‘ecu pajeechomues eater cheaes ‘hogs pyle oe oder of aed pee favouring Y and pus cordon tha he faymert so be mae cl when ¥ hills canon cba {he payrent tom he Bnk what comple Bs conden. X ‘dora damagos fom fe bank ona ensues comple ‘cordon ncaeemert sec ban. Enionerendpeyee Endre nd dawee Eniorersndorower Endone’ anderson ‘Saws and be sree ‘Ta pl shel appanded fo a rapoabie nsrent fr the Pua o mating endesomens on Be sare be stove Tout cstarer Mt. Vowapan ns 3 hen pyle or Cicer Re ScD, ts poco pyar fy he pon He Fla Th own ered yt, Veapnin ar Sopa cian pein oot thos abe faa no eer hc be ai nts propery ca sensed Blk fepoymetc niche be chars feb reas porta sl ose eben Brk tortcte sve IN Dhrmar has gens poner tty i Asbok Kamae 1 pan cans on ring ett eens seg ng t,he ee server Atk Konto Dhami ed by Ashok Kumar oe ‘boris enn fet Dhol Dhara feb Kuna Fer Dharma yA nar (nyt Dhar) Fer A ar by Atak Kona ‘Agana cope denn nit tow wih Cte wo oes ‘cteonrt Aan das a8 wn pa er crseron Secin gor tat nce become ‘eae pays 8 wh a et. Wich among te ‘long sth deel rane edo he Sage Cannot be ened 2} song et ho : eon vest by sone ona = ro » cote ‘Geo REET TN Ray 7None ote above nove eave of Re 0000 eave by Maar Gur Singh inconedcston ef crn serves Re as reideed. He nepties ‘ie cheque fr Sanadr Sigh Wat eh covet mame 2 ‘does the chau by ior Gurl Srgh so at Wr Boned ‘hgh does aac ay aout er or? Nar Gurl Sigh 2 Gua Singh Girdlsegn ase ara Sahel) ore Fer nas protection ander secon 85 () of NAc ates is ‘Sener hatte endorart ‘eine Be regular (fun andre tela anlage ‘ncn fe flowing cana be endrtes Rbseddepstrecept B Abani at Abromesanoe — Aumate bit exchange acheqe Bi poyee ofa. choms, who endris tC. C lst fo chaque whch found by who endorses ki fuer ofA fr valle aneieazen by wey of fgg © satires. The cheque ‘Ishonoed, Acar cover tom eee eo ‘Sry ofthe previous paras ‘Th coec endorsed favouirg Dx, Narayan Dut: DrNerayen Out Nowe Neeeantaohan Ot Narayan Dut PAYMENT OF CHEQUE ‘A eteque died 1.112012 lund by MZ, your saving ber Customer, fe precede by Mr, te payee, Tor payment on 413.2019, tba woud yh chqun a in otto bacone ese Pay and gat contain of ower ith become ale We rmerase micron elie payment of tale aque, wichita aes became None te sbove IRpoye ofa cheque request fr stop payment of pater ‘req cae he has at ‘Thebans wt. ‘The bank wi xe the caution and sak tho cof om te caver fe rean tne fhe chem le ested or ayer sto be turned wih he fone eave reported fet contmeton'savated| ‘Tebankwl arrehe equest Hone othe above ‘ine working 9 ledgr charge, 9 hese win in Bree (ret ks tino fret Rar wigs reser a eure port Payment etal bo fied eh be pd ‘Confematin am drawer ough isnot payortin doe cues Isha te reuse b w retbo a paymertin de ose ‘tas fected coq om Ys gt on tity. When fheqe & presented, is chotoured. Wa & te time pesos ‘ding yc te compl can be ted by Xi case ‘inn 39 ye fom dale of rece of evomatin abou honour bye alee ‘thn 18 doy fom date of sug cic to the daveb make ‘he payment tn tn mon om dt of ane of con ‘Mota oe most om dle ofnancecept of rly fom the “Foner inwespons the rac For ole re compart cn be od {Your bre eos a cheque of R50 fo payment sss the eurter on howe 30,20 seal the chog i te Jie ‘stant the cheae Deus en impose de dv to which canna be fa tre cheque bing a post dated chonue lb retuned the choqe alba eure fe dats fhe chegun beng the ast dy ofthe month he chee ‘ante pldon he st ay. Hence woul be a ‘Se cheque woul be pd th ment of ba cau sk ‘Aebeg of. 4000 la reser fr payment whe emt ‘ASjgue waten nEnglen and ler partes egal TET Aa RETENTION yOlanguage where branch is cated The Sgnaties tly with Be ‘hetancenousratpay ‘Thebans ls ta chaque Be prepared one spony “he tank would py a cheque can be rz fay sept Thee (eno sue resin Wit te tine pelo, make coma Le. le su a3 ‘ut usr Seton 198 tN At ye hk vet 30 aay fom dat of recap ef eomaton abut dihoreur yer et 30-y8 Hom de of slg ote tthe rower to make The poyment ‘itn ane month om dt of aus of ton With to monte fom ta of nonvecat of epy fom the ‘aver, nvesponse fhe role om her ryote above, whichever. ‘Yeureranch ecaes a cecue payne but tb cheque rtter ‘eas the wees rr nor aaa WOU JU deal Wh 5 Gene? ‘Tl be tote 2 bearer chaque ar the payrant wil be made ‘econ {a be Fete onbiuns inument andthe chaque wou be telunes [ibe tested a rcorpte instrument ae wi beret Il be Bete asa ore cheque and pert wl be made ‘aodgy fone of shove ‘Who he folowing an eset! orn fr ng compa, bye lace of oro oie corey [elaine oh rane win 30 day of dl cece of he free tame sos te payment tthe cheque Wan be olden t aver it can be-cedte to he tt icroutne rarbf Lod sha ‘Tear unde Seton 138 of NI Act fl compat srt braleta tothe hole nde his el Be lous creunstances ‘thre the ehequ es bos sued wil corseaton ‘there heehee es boon sued lo aschargo the Ely Wher he cheque has ben sed fo Share the Haiy bu is Daymett hs been sopped Arete chau hs bee sued lo echage te abity and Felder nas boon asked not presente chau Whar the choque fiat boon dohonoued x mfr of nds, W's tank coc a Segue on which ls customs” avg 2 etc te and etectieotin te inlet bane Scr ackeapnaie Colecing banks ot rspensio proved oh conden of ‘Seaton Tot are compiled wih ‘Cleing tar respon or caresses None ofthe above ‘On wi of Be flowing a ealectng bank wl get proton us Sorta rons rt ‘Goes prmiscr note ‘Gress bilo ectarge ‘hosed cheque Due te hoary ish on Study ting he "ofthe mnt when & lange mumbo of personas Vt he brane ooh payment, hue wh gad sates in be account of Ineges and ‘Gaps pad by ban ba sfotl soso prtcton sable Ifoayment sf de cue trot abe Sank nat ble hes bark was ne regen ‘one the above STS REET TOE Fa Tt“anon paymat cue o ah wok he anki pt be te eeeee ene eopnalie oo the og fr wert (eho ofan ‘The ayes ern = “heenrse, sul ess “Te precast oes Te Seoul (ae, sues ss ‘chang th ong et aro expnaon fe tem coer”? (Ghrcfr tan instant for ecount fa person le than he (Sail ef on insurer tbe scent of the pan who Mas ‘Band be remorte uowd dnsdroon arverng an oer ces a eee hee faues 2 a 000 the parent of anc the smut n ws ab ol {he sour insgtes so te pals Thwart fre ween es hall be pl Tank depot acount st ent the coun Parc uk ot gt pecan because tts nt cole the proton i the accent has bein ly ogureentshave aso been cage wih ator because te et ety 0 ‘hurr tloce oF RICO ne account of sara bak dipole Thee cheques wh arcu of, 120, 100 aod pcs sranenuy. You wi poy be cequs wth sexta a Re t2nenhy 6 Re. tomeny © Re toon fa foooandRs 1100 $.tenagne lb etre by ota hem ona eg Ste Rebpde bone can get proton rs B51) of I Acton te 7 a rmeLBTe MTEC peo ° 4 ae 5 4 2s teow ‘owed endorsement Forges gates of ramer ome stove None of stove Dchequa for Re 124200 can infer of One| Kumar or tesra'tm pond by 9 oes ear ship wae Nar oor Srck Wate yooas re oes ay chen wo ergy ‘ee pay be come cs runstances a uch ha he reser ay nt on tied ecteg he ort ‘ote eng dated pay orca ore itn cee ivsgett wh te long be ptecons skved under freon ot Neate buen A nt cot of coon “of cheque by the collecting banker. oe ‘gent be navorert fade ecaoertt eset ‘tego lowed noche wil be scouts ona ne above ae ‘Rerague ha been deposted by a cusorar wits bark or ‘bearer cheque converte ort aoe 8TH TIN an 73Special cossig conto general costing Crossng aches ‘Alte above 4 séecte cones 10 your branch wih 2 bearer cheque fr payment tor the account of atthe custome He Rowe Fekees to ag onthe back sie ofthe cheque a8 cea able tener How wou ou hat us tuo? amen wulsbe made wou one sates payment wuldbe made onl ae se the che ames would be made by ctanng 2 septa money recess Shy targed at per Str At ‘ener wil be adit no to sve cheque in four of en : senut hat mem ‘Souls te sppented wale reluming tur chcuee the econ ‘Gemienae ore rca Reterto comer frceede orargerent ‘egal ret marta ‘one ofthe ave Bl be pl Payment due couse ened us... of NIAC s eto 5 3 ite eo 13th ‘less a chous in ecu of B ad als wits on feof the ‘cheque that ls ald ght mont. ark ak Pay chee wtin& mont Not pay revered ater 6 month ‘aint pay te chee None ote sboe ‘Achegu nih amoustn wo witen a6 rps fhe Housed Proseniedbutte ancuttin igure 8 alsa. The payee Fests on rma payont cheque can be pi teasing Be owe ery goegsaces ie * & Es cheque can be paid ater oabing erty fom the payee and the craver chaque ean be pai or ameunt in words ut 18 of Nettle fester Act ‘aqua bong cheat Istvan canoe pad rene oe stove FR chaque is preserved or payment trough ling Neuse but Gio wean easong, t's Youned upd. TheTeuing mame IGenceseato comp wir. Negorable Insure Act Where arent in words ard gues flere povson fr making the poymont of art mettones a word in 8 cheque nected. tN e > 9 2 oon ie ‘ealectng tak gots pcacton us 131 of NAc nl ‘Thecoleaon st god Tah and wihout nesgence ‘The bank colts cry on behalf othe castaret Tha tans colecs el eossed checues calectan ony often rats soe ‘ume fhe bark auiherises 8 o reese the peyment tom fis acount on plan paper. He comes fo bank and ders seney Bank Ip bound ie make payment and obian stamped recip a a NI ‘Ad fare b no pron 381 the pe ofr o be used Tor ‘orang mana ane woud es the payment Bark woul ads dave oget a cheque took sued. Nore one above ‘opened cert account on 1972005 and obabes cheque ook nest day ane sted a cheaue In favour Bon 472005 bt oe te dle ab 1.72005, Cue present on 20,7 2005, ‘Thetankin tie cae can Poy fe choawe Felese be poymant Cone ne acount elder None the above Peres rer yd (GETS ah ECE ETS Ea 75TT. tn casa of coloon of a bank dat th eolcing banker | 45 [Poeced unde -eeen of epost nsruments Al 18 ee aa 5 ota e @ Thea of colton of heaies and ils te elon ofthe taker teeter et of Barks agent an caone ste Barks tusine ad estore dear Barker ceo sl aoe restr ‘Banker 38 blo an usar ales tank agent and etoner cal Ws among the oovingis te Wh ogre tela ot geting sana ote prc tang payment of aeare hen? {age tendons prope tage dene of instant to create poate nebo wat preerad baat amet sive ‘Which amarg te flowng canrot be teled as & mate ‘taaton folder converts nore cheque ria barr cece fell’ converts pci cnsang ris genal esi holes she arourt bot mwas ore, wae ark coer fader changes he amount foes Which wae nk making ‘ho srount wort roneof be stove Whe of he faving feaires ae te fetes of a speci 0 rosea {Wo pall nes an ors ot ego (wo pall ines and he wads actu pay nl Ino paral ne andthe words & ‘ae oft tak ron weno wot ary porate nes ‘are cf he ark wr re prs tes en ‘insu: @ chaque n tour of A who coos the chaste a ‘accu pay ony. Tis reton of Ale ‘econ a repaying bank ‘econ othe payee cole bark ‘recone renee othe payee ‘tocon fhe reno clang bank ‘eeelon fhe comer payee ‘chaque crossed in nour of Soe Bank Ce and State Bank Cabaita. The papng ba it poy resented trun cer house Dah only i oy recnted tvougleang hour tla ery ‘at pay atts ranch preconsa tou Sie an may pcs ‘the stove Nene one above ‘i ee fonng crossings isn ade wo tan pra ies ontop ig came ofthe cheque Wo Yansrrse parte ies on baton a he chagas ‘Wo ronaverse partelines nthe madd ofthe cheques athe ove Wena cheque crssed as not apoible, whch ofthe felong pate, canal be treat ot 0 eae é Feld. eoues ‘Acheque cessed special is presen fr cash payment the cunt of paying bench, by the bark whee aver ts ‘fore “he crames bark shuld ako te payer beens he payment Isteng made th Sank hese faust ese hs been nase The dawoe tank shou eis th payment ‘The Gawoo ban shoul is the eon Bankr to preset is chau tvough desing ho ‘Bega cosed chee, payment canal be conde de Nine a he above ted Bank recaves 9 cheque of .2300 ite account Mk Des Kumar tough catng. i etzeved tha the ches teats tne name of ho Bas bo wher inthe cheque, the apacty (wheter agrt or eh) ofthe presenting tak ‘meniond. The payig bark was eu) fe eh, Unde ‘whe aston of Nepotabio une At he canbe gone Secon 123, beaten 24 Sesion 1 Secon 27 Secon 28 Aretteptte cosing bing he fling changes ine on ‘tae’ rate gels cancls tater cane be posse ono ncarase even coin hegue can be enaahed sos he cur ‘GOTO Ae RERETH ETON ay 77and Snyotte abe ‘ten payee cross nerd of he dao ‘Tocalang baer Toute barter Toparee 4 malendosees Non fhe sbove ‘inn among the flenng etuents canbe cessed by He ‘sane: ores? 2otolechange batten oer SB promisaay te 8 Bankr chews ste shove ‘inch among the lowing the lnpont let of genera and socal oss: Fethin h gneral ssn 0 wallasin fe spc css. he fara ies areinportan. Fein nto grea cronang 2nd th spec costing, te words site impor Thain Be general cossing ard sec rating te pall res eval ste words ten a npr ih general eon to pal sae ingot ad inspec (Coneng Pe nanaof bake mpean Steeatoe ‘erage hs bean presenindteuphclesing ose and Bear ‘geil cain oft banks: rae pay oth bark a whose far epecil ossing ‘agpear fat ‘ey wet of barks and poy saben due couse fete ea be rematota condita ae None othe sbove int pantmen is pescrbod under NI Ack er dsonour of hace roel the amount cea fe due Be ant haste Imps uptoz yes serce Banas Ghost sa drston fron tote pes b—clerdrsrt ena Save ndroven tank __onwaf he above ‘che has ben ile y 2 ey ave of bask and CGoesed acon payee, Ths preserad by the BANK on He 1 waarmee zune ramos bank or ath payer the poyment can ve rade epigh a9 on ‘Thccomeo tan sou ake pent “The cawee bar shud retute payer ‘hea hs nl bean dawn propery a the bark can be cawee ‘ony an net payee irl eth bing cossngs ae rat defined in Negotle Inner At ‘nerajee ° pedal eossing ‘ [one ofthe above Ttnegotale costing hes been defines ut..of ML Act ‘a Ps m0 ate ‘cbeue crossed a account payee, canna be eolsted though ‘econ of ancber person eet cas of oloung: ‘rea stein colt yh azo of sal member ‘heals amounts up fo Re 5000. hegie ne name of member of 2 pinay agile foaly and aroun yp 0000, equ re name mia wh ot ning acento itis [opoeed abe cabecedinan aaceurt nh name of aon. General cross, Site cosarge Anewers a ‘o 6 2 gengeuare” gaggesnaceeee if 16 VARIOUS TYPES OF CUSTOMERS wor 4 Uis 28 otNagotobleetanents Ac ‘Aint cn ot cram roms molars chee. ‘Amir who as be aed pte fem can row @ equ © A minor can ora, acts endres ard septs ils of + gicangspronsay rte or Gq Bra pres eta cn bili obo tg har ineauea oat oe catesnaninaoe tea eee 5 tonto ioe 4 Sain mee hf yon | Ss ansteanes ymca | Sls mtnrd eet ees Aina’ ec a TST 00 wh tank. He aque fr treaty pyre Can bak sg before may payment Sarkcan see eit te ior ak can cpt equec. ebony arto frome pardan cahreter © ankcan acne the equst ron aca preaue ‘arate, 36 encore rey Ce wich he oat. Senet ees amb ‘A miter peaches your branch 1 open a sel cpr curat cau se he & regdaty reosry the cen hone one ‘at poy rege paymens fr wih tenet chau wl be ‘gute be cra. How wuld you del wi fount? {Suen stent wa be reed een ew hi gone nods 1» surentszcount can be oped wen say fans wit Se sx but er ip . ccctrt can be opened but hte ihe degree of ek those hes very hgh fauecy of eof Sem ok ‘heh he minor lot be peraaly abl a rae 4 Wilbe opred ater ebay HO pemeoe : aeoeee 1 CRE cor eB his ly San Bk at od med pe {besa aeons ke ek wa ‘Apap im wih ia one one pees wars ope 2 Ginet account wth yur bork In tr he compl the nck wo woud enon beta of a: in woud sen hee "ins nate guarsen wud sin Ste abe ators woul sgh mryoihe stove ie acount woud nt be opened ‘Asepig pate sk th tak stop operant econ Na dey he cones fo requ tat he gave he swe San can low operators fe es ng an can alow cperaon il te pater rake request bankcanal alow operon even hen request ya my oibe above ‘Nain the rome of Ws Lahore Chil Worse maining utes azount wih Capa ek Tho tm hag © pats fe oe of hem beng vr oi, Geman pane he score I opsate by wo oer pamers ty ches Re 1a fea of Soin Bear presented ecugh cet, Bl $e ledger account a ros pasted sop pyar ot he oan, fom daar pre troche bay of sal oun sbud be pai the chen big in fever oan mpoant yay representing Bate ots shou be pak {he chegn shou be pal se sop payment nett stom ‘dormer pae fe cheque shad nt be pao domant pre alo has the ‘uboty bop orton ft ssnim ‘Arbor maaeirg a oer saving bark account ‘Tre bank can alow ony wisps ‘Th bar can alow wavy chee csp Che tok fey cn bo slaved ecaise 8 minor can da, sesso anepotst ache Bowe Maser Arudoes, oped 16, visio Luo branch of Uton pact bn ian enna ba hg Resoa ‘ued by hi rateal grande, gig Hin he reney ot aye ses tn couric. The eae edsod Sfendiates os ar to Ms. Vaal The tor oy domans Foymet ert (To REET GTN ay FHF tho chaque endorsed in ecu of Mrs. Vat wou whe ance React be pat the chogue fe prevent by the irr and amour suber ens te ot earl fopay he cee ©The chaque a bearer euro he ender dos at cay sy mecars ors ean he val scare ef hich the payment can be fe Genddabore 40. Hanes 2 parece aortas wo pete te azcount and auto- Test wee operas ne acm Ban sos nfs abe ‘Aesop ne mandate ter pare’ aso gi cose Netoccept he manda ‘Should asp he mendes None tne a8 ° ‘ {1 Ajontacoun can be opened inte rae ole inr and 3) arodut member oi aly 4 Ne gendporene| 9 ‘tural goardan Stott stove oneetthe sve f2_When he minor ais may in case of ont account wh he un fh gaan can continue to opr th soxun a pr tam the account when vas opened the guaran camo be pert o operate to acount wit ‘naon otha mer We natn may th aeount eho closed a ow pty es come no pre ‘ners rateston opt area rel bs obaned ona te above fics among the folowing is tue regain nd acount st {alt be opaod ye atheros rncruncorer guaran ‘Singh tine th rata gardan aber he mh nly 3 fv trk azar cn bo opened I fat fet arsacton Sevig and caer countcoul te openes ‘ony ed depos aca cul Be opened ‘ny scat cout be opened ‘blog as lars ave, on he competent open the account Srdnatne mer dsr aes en oe by anda Rdg me, ne ‘Guana mareger a es) Te How be rst the mere watched, wi loving demand 4 ‘ toon agent FOR in mrs nao: Brenan ie conret wt mae gursn ofthe mb ‘young sn unrakngan te gurdan of teins at he ‘oun ofan wb lod fore bet he ina ery By oisnng an ural om mint Dhol lowe any tan apne apt etaeing rors nme None ote above "You recsv a cheque, ann bya nar acount lr favour stoait nce wou be rxponaie for bis cheques ashe has powers to ‘haw eg reget hue. Mer wou be esponab hes congetet io conac ‘ough he bas ight Sw oe pa NIAC, ya be woud ot be respons, Howse bark welt decane on payment. bande oe te shove ‘Anno in nde rat compete cerca pc Secon 1 ot felon Carat het, Coa is deine a minor lowes pena banc accu usta whe fe lowing ‘can ge vai dcharge the pyre recevesy hin Necanot are vay of recaarge payert ean crow ad desea negotiate nstonent Bandeabow siocaor {hc sarong efoto ete capcy in ic he sate Une by he rinorcan make Tobie on thensments then ne sgn as eawer ofa hace When trols abot xchange ‘hen rakes promisony noe aie stove enol above ‘ean made ya ios ‘Yost b nan he can aay even afer aang sity Int the any tai becoming mee (ata vale ts quran ries val hao necesatts oie Nonealthe above Fn HUF ence wants fo bear pare of a frnin whch there ‘seahead tte The. of HUF members. hens ef parnors woul exceed 20, parerhip nat sorte [Hue nite Banat one ember. ence pare posse HUF canot bezome a part narra frm Nene afte sor ae EWEN STON EidA paste of pusbersip fm 88 wars fo cancel a mandate gia il pnon cpr bn zr Cn oe No, ale pres Yes any ne oft parbors mat of parere ‘veto wou bs efecve bank areas ar hie None the above ‘Yeuere weg in he ans coprtent of the branch, 1 years ‘pein rej bark gant on gant Nis FUR Bark woot ace othe request assed ban Berk woud nt acco oe eqs an oboe Bark eet gat aan bi an ake a promi pom, fen rout ecg conde Nene of he adore, Your anche ring cutentacaint of paterson {nd sep payment usin fom a seg pte eh ak ‘praing We secur I reodes How woud os dal wh te ‘eset Irebusn camt be scoped revere can to acortat ter anor 2908 Irevelen ae ascopabie ad puratone shal scoped hnetehg asleep parr, crt revere te oles tone te sve, Year trarch having a parbrhip cuvent ecco a ‘Gamiben rderin hen parr nfm feed wt iy walpabes Spy secourt tape sooure tap ay one. sande ‘seal Bark sppteaced by Sareer, a 17 od toy wth PAN cart and her recess otatn fr opening 2 ent count Hef havig sibel Invesbnons shares and fective requ den Hs tle os een eed ana his ‘shore ivosanyl abe Wasted ins are fe: ‘he acountcamatbe opened ae teres thank uve sk ‘he soouncametbeofeted as Eso eare raneacons ‘he camer soot ean be opened bythe ane 98 econ cau, negbae aed ge val discharge the caren peau can be opened by Samear alongath his rate sho wing go esa e _taecibe same tesa gana bp 6 Amor suceaeded i aig atoan ra a bank, not cctoing His {he pe Hore watepting sh ca he Ceaetone nanan boon ere ms © ga SS neve soa en bea Ses ane tae igen Wl oh cout oooer rm gud eco tom gan Beans Mash parti wh eae ates oa gy ate opts ho ant. Cree Sey of decd ncn seid, Te bak Sow Pryce a nr eon seo Fajcoge Vone pats aeosmn neces star prea foal sages are he bro poy don oe sons eure wet asin am sons Newt oor. part or pond a rors aterm dpe ih Ices an ea ot opr kes pls, wh of ‘Jing wos pole: Mean don pense pomest ‘Rr ae naga tem eat sn can can phe pyro al sesh yeiteade tepecle sor pera whe Se Mt SS oe aah tee ones eaten ayaa a Rt cians Fee aera anat pieden eset ce Letaanes Sears etn eee secre tt emp tminopn nce Tee ene iecnascrereatitiee Soria ane a GME Taa bec company hot ope sees Nebecawetabiy of eheenase id ns ompary Ye heise cory oreo gees ‘io song elon wil sg th scm peg a pr scent szurth a of paar fem ware is {Ems rec prves ard amror ope has Sen aid > ot nena Stine tree ane rob nr Ste re snd dae Wor be tres sede machine te tes rvs ny ayalto soon ‘Your barch to bin mating a cnet acco ABE, 9 {im wih sa naa pane, a of wick G wos and be barks hn ceabans hb sent hoe oth ‘ples, woul be ered Be tank fhe cure aos sttbocmes ee ear weds be etd wih lb by Ste ree ome iarrame of erly ptr wos be ded tet ‘ow argo Set ny oe nat emer we at Hore tn cn sow ma te vane of @ Patri en coe of eat or ery a st Scpopwtein de cannretaccnnt Iba ansangleston aaron tthe scout goes {berald ay peiom wh covery lt ars ark 4s om tot apleaton oa In Cay eve doesnt shes he tan bly ‘Sera tata Clot cae dos ot cone io all the above sa ia poor rm wat crs an equal nrgage ts iarvale pop, ho ol epont ogee wh he terronerarer te ‘ayone stb pans ‘oy cepts ‘Aibeparnen {oe pret ing suboty om aer patrc do bis on itor tives Ci vtaning ARE So,» pai rn mariaing a caret scat i tbc er cpr encore be oped 6 ‘Sy Sedo pes cha sped A semented rb ew re mom Seago ve sa pene spends inurl mas ayn The tk wou ‘cempleven aged byt dos elf sped ale pore ‘else hevogst ‘ipa be hog i Sita rom ton ge na catmaren certo in caret acuta pormuchip fn can be pened ne of fe, pre fs ‘Sqrevand cent hue oon showy ce ales ‘hetaprte dort suh oper ite papss boy utara reney and dos ie bases oy upto ors etm Ie dtd oom peterpan es manda is nen frttparane foue “try a cate cnt sh Tr ih Potters un at hong powers moped our srg Ete rs tm be pr ht tb tens tana onan wo pres can cpr stk Ui The neces segue sone bos ater mh {abpaa oe de fh eon echoes cord prt at tenen, et ch eae ged ty natn sy ties Sng arb wich wre pa theta wu ep poved orang pers cnn fesaneinvntng ey went be ra 8 hepato ety ot be laccipecataaon sna Eri Sans repr Conpary rane a cane co ‘ay Buk Li sn slept by he of pores a ony ce, a te pre hae ben ‘ire sent eps! aut Wha pects beta mt sent nb scant sabe dep wt porters fave Sach athe sfonde GETS A OUCH ETON 7Wi lanes beconing incor tho fm has dss det ih partons int econ sn be Sopp ‘hobulonce ne erent bo pt at dona f th h "yma cemance by ne ol,lbarade Incase a fm aswel ats paar ae indebted oa bark the ‘oney reales Wem th exe cfr ve ft Used et ep of teas ft utd fre repayment ce as fe pater Both ie hans wi be epismtanetsy ‘Wat died egal to repay he fan of he fn and the pares Cand A hankrecees a garisheserera be nave of pabestip firinaned Bawan ald Sora The pers AB and have fotowng vil ests Which of eee sours nat re Jt account ofparrs A Boe occunt Savng bank scan Fred post me ame of whch yeta mate Savng ark cost of ang whi wl. atbeabore ‘partes em vars to have acurent scour nyu arch Ferepenng tis caren scout nf nae Panu dod sols be hed and hogy checked and ‘copy shoul be kapon cae {nates regio fn op fh dod ot regu, Pathertip dedi requrdnly when any ohe parr iet- a Xs no ncaeey to net upon pate dod, ugh is Assit have ato deed Darr eed shoul rol be ctaed even when ofeed ARSC, 8 parsnip mains an over acai your Sarena poner © spree bit tha tank doot net op ‘peraton ne scout when eatnue inoue erupon ettewel corre ob late he operations wae the bushes ofthe tm Cs egal Ras wou be abo fey wart ery te tenet ot [ot ot then busess. Each creatine seu wi ede the oustanding blanc in tre acouton the sso death ach detent ar the de, ibe ash loan er whch the Tegal are cette othe doceaved parr lat blabla, © cama 42 Mie Devender uses parhertip tim having a cunet ‘secur wih Unveta Bank requests he tank orem to et {he tag esas by tam and pal byt ark earg lat 6 Imei Unde te pros of eh ot the lowing, ee Tequest cane scoped by he bane 9 RBIAGtSocton 4 3 Negotabl inetuents Act Section 452 © Banking Replston At Secon 48 2 4 Negesbineeent At Seaton 4524 (2 Negoole eturent At Seton #820 aX pornerip fem wants fo cpen a CeentAccount wh your rach bt nl rege wh Repstar of Fer, Ie tbe fepataton of parr fim eel? I ot enero is ont epona Ieeopends oni feta he en epends on wilt bank cans ane ofthe above Uihat tbe max no. of patra In pareship fm as per ‘Compares Ac 2018 ‘wo {fr Dkr business and 20 cihr business 20 or boring buses ae 10 fa bushes Prossione reed oro armas are as par an Paresh ‘he 852 on at Companies Ac 2018 “Anewere ens oa tt ee 7 Rew a eee ae 4 COMPANIES 4 imum rao deco ne pub nts orpany ee ba se 7 3° 10 & Nene testo aE Bak CaRCHE THEO tn)‘As banks, you have rate fan edge o aca Win Row any Steud be ot fad with Eten of te care: Wain 20 ye wn 8 ys Netreques ‘wn 30 ys ‘Which rng the flowing i necessary conn fr dang & govt corpany unde re rovisons of Congas Ae 6567 1 Shout iy onnadby fe Cane Con Iso te ay owned bythe Cental and Sala Gv ‘Athe meres ont Boar ofthe company shed be got ‘tal ‘test 5% of pid p capt te ‘coany Law Board 3 Re sorb ‘cempary ictprate on Mach 16,290 aque e Bonk fo ‘pan cret secourton March 1,206 ale mney re 8 pub eave of chars, Wu ff ning comes nat {eaute fo opening We cue! scour # ht snot vate fr rt | is So 19, Provision for eaten of charge onsets ot = company, wih Rogers of companies mansonad ut of Compan et ne rd 7 Bs ‘ner! San ad ito loka n te name a. Oharmesh He od not romiats anyone fr bs apse ro he as ek ay ‘wl Ons dean some fe legal an wart take deter the cours he lek On ease of wich song the toning documents, the cntans ean be dale by re bank > Felega tars Ieter of protate leer fart Inter cf sucreeson leer ot hasp| sy tte above ir easo tere so changes Interns of sancon of 2 lan (ca) enhancer the ceataconpary rt le Min 20 dys et fconchange an apoeaton te Mean of rage aScce Nove othe shove ‘hss ater sczun wh he bank and exes The ane fete vero ar sone The ge hers than erst Wat wel you do Py ntreat tS rarest ate Wt no poy ay eet as fe tlance was cure sozu ay Fat fo the reer ptdrsret ate Sorcihichver ower Noreatte above ol parr of charge on the assets fa company wih ROC we 30 days be resparsblty of Crestor fncng bark or franca ntuton ‘sncamnodconpany ers al eaponsie fois ob Sette ssove Noneattne above 24 Ina pub ited company, maximum nd minimum o,f share. rel weacee eee “GTS a OUIEHENR TOS tay 9Dsoon Noli nd7 oan? ‘oo ara 100 any rumba athe dace ofthe company Bank mayo successor carted he bales exceeds: ere pe 16000 e250) Ps 50000 axa isis ot ob ste pon (ea cet et ied yt ‘ats msman ne ar fe nk ste sin resp of a deceased cepostors and ease payers fo te ‘Nevitconnees Tey a Sd 3 motin lt he ein tment onthe Borowlng powers of Boat of Directs 3 company not boro byend pad up capa and frereseves can bererovd by us 180 Companies At 2013 ead of dreds hemsces Shores bvougha ere resaon Sfareoles tough specal recon an an genera ‘resting. Netora Company Law Tuna CConpany Law Bos ‘publ tes company epes a clectonacout fo ts publ ‘Sue. Tre barca ae cogs Sook Io proatees caress of commencement of bess No subts copy of cette of reapraon prospec sued enc. requests he bank aade 2 conpany is svaling cet faces om you branch hie ‘Snong these cost faces, does ot vequre repsaten of arpes ws 125 of Compares At 185 Pacing Creal br short ot goods bypebecan of cas Plage of sock ‘Termsn x machinery irsacounrg leper Cite 20 aoe eae ein) ‘Theregtaton cf charge deems elecbve tom the dle of egiaton aot ration of charge (le. execton ct documents) Opinion aeons er Hi gearablto went tom eof egitaton Ive Surnaar amar 2 rot ofthe ABC US wars excose heave aun ator te cama heh oh felony tata prope lomo covet endorsement on beta of te tonoaty {er ABC Lc a Sure Kurt, Drecsoe fpr ABC Lid- Sunde Kura, Doster ‘Seder Kumar, Over ABC Lines Jordon boha 29 Soer Kamar Oct thease of genuine uy te tng o patel canbe alowed ty Reiss of Compania b endanger por. Tear Doda days 8 Nose int ln wich ofthe folowing kinds of chen cn te assts of 2 fampany, where dees to rogebaton ot charge us TP ot Conpane At 2031s equred be rested? Aeprnriton buen Pee 6 Seton fone tte stove ‘int reaore shuld be gen by the banker while returing ‘hoguas avout an nob te of eye requescontrmaton ‘oust ceed bw acour, rar costed inate ‘ear re payes (When paren doar inelent anther person eppoired to rosie eases ad pay his bese own as Uwasor ‘el eciern Presecy Towns ‘fell asks ta paces ‘Ofc askes in retary Tous and Receiver alse. banse {cal rea Bark has cpaed a cert account inte name ofan HUF wich is opzatd byte Karta, osequardy te Kara ges mandate n fovou ofan employes ee HUF fm operate the rout for a mies amount Two cgterers of fe HUF have eta note oth bark rto semi ie ereloyee epee te ‘cont an the Karla has not ovules tam Sout te sleet: SETS Bak TON ei‘orl te wea pei heat {ha erpoye wot be aloe a operate azuntn the {srr aga ari uy mr ‘| ployee wi rb lowes oper aout ‘eter ltr recived re Kar | tho emcye wt sowed to oprte fe sro. 3. per Scion atecy grb Kata, se a ae aese sat ‘part ange toneat sore ‘Yu are soracted alow operon fe acetone on. Whom would you alo he pean? ‘uarn apo by cour ‘Aner an dear rae ‘ant, ale Hi sono enugiter yale oe Fam Lal ard Son, on HUF cmon i ng cnet accu, ‘pert Kaa wo des ‘pert wb doped a arcane let aneng iri \eliet mle member iharro Kata wile thee Nove othe store ‘Yau rach rain a curortacautin he a of nt ing fi, Unite a he mae merry Inarea acnt. Inet cave he pocends el he Smt sd ster prover wl bs. {ake ove bth gt bced ud an eect Stared bowen ho hg tale members Corated oa christ rane oe stove Inn HUF aossut he Karta goes soa. nis abeonce who oul parse arnine alte copaeanere Whale meant te word Esco" ere meneL Or the parson spit by tho corto sl he asa of» deceased omen {ho peton who ie rae inthe wil of deoosced parton to ‘manage his ate {he poten meonedin the wa wh doe et want he nets {he eon sprog by he legal hak fo eeu he ores {he eran spotted by he court and legal hes ‘Whats a probe: ‘Anil etteg by 8 cout fr setlamert of property of te ‘eur prsted by petan bo epningan sit be ‘oe tar omer oa You ore wich he ing Rogisrason crate Nemerandum of sseciton ad rie fessor, i ? ra mh at cane te pa ard operons fo scr wll be copie cain desea resent iu Fi |‘meen iy cat ena ee sa ‘beeen opined by share har bio og up ceceany eso apna at he tn ot nzleny of lm a tn fa ere era pon ct roNobd wh tact of» cheque “4 ty fa cheque book ‘dona eave natmertt i rb nga oes common otra bark ene the whew oe ‘to puthis thumb impression before the pessing ofclal a fnnaconpeet oct Bee end tee ister tAaninersn indicat {iow owas uss bese Bactorerelwteg arate Tho iat Row ae exe oe cece Allof these. os ‘ Seb ony (Wi aroha flowing i ppc design ote em "Adair whe Geng WO) be. tnancse T escnsd asome’s accu z ‘Bator appa y he carton tw baa of y sf ty te ton epi ty the deceased ok atari ent fe hi ‘nominee whose att comedy the cout Ben appt by cu nue eased el tev bon sepia byte gl hos 1 ok at th ex by the egal tho cn of he {Bank recees & cheque ckaan by Ra who eee or oseased Mohan Ater Ras dese bark ‘Should nat py teehee ‘Sha pay he chews fawn curr bis tre (an pay ar contain of ae bya has ‘cane paid win pemeson of Be cout None ote sbve Which of the folowing documents wt have to be cacy ‘wanined by 2 bank branch, when 2 spc. by Siri fa cee ete? tert pote elie austen ose ‘hic of he loin he bale docuent fo peng a inet {rout of oy Era tg oy Cerf ctcapraten bx fF Recalcen posed ty te Generel boy ofthe soy nd the ‘anager comes yon oe sooty Regus oma Ralf Sets ‘scree ames yur bench open a inet Real bats otregetoes To pan an zea ne ae ot bor esccatn tr ahoulb regs wt Rogetarctecetes b Rega ofcbe Fegetarctcooones ¢— Regatoon touted Sar torch rises 2 tar tm the sl Tote. X Liolany MiB epemo the atcort fn he ster. Sitarcny@ cheqas sed by Ne 8's posted fr ‘5 (eosin est wu be scared eng ale sn, oes comet be cet fequted wd scpld an chee pad {Fo wu be eos ae eqet wi not be cape ‘sas noo sme oe bens ‘Rabe sown nour oo aah use depos ‘Sinton, nh poset sou for endorrg bk wh Rotated eee ht nul aout cbc. Natcotetnse hae mode proper naore®, Calc chee Seo cogs tas been endorsed hy the Tse & can be ‘oleced witb emo 2 conn Now ft ao. Iran ene ofthe tutes who is ny auhrsed o operate th az hes ben deed ake. Yau bach cee 9 loge dram hn peer. Sioccn re he chown tre cehraton fi ba hoch aan pay heehee Yaveon poy Forse corn a rnc ico as “So RETF RETIN TS Cad 99set cre ws pt rena Sea cn Susman Ss Roomate Recs aeO a amen mma ce BEE patter tamenoe See aatst = ‘ark can alow operaons : ‘nk cn alow operators in sain bank oun bank can alow speatn in samnge czar ut fst account ‘oer ot des ican be aaptatie tank na ow ‘ane Wilt pay te chaque anc ya nae comes od Candee, (pay other aspect are hod, aay (2 Model Gok matisns 2 tus sca wh 2 os hue and Ya eneciry, 2 wars to nominate XV would you do incre oth canemos set, . HeanBeslowe canoe alowed tecawse tis atts acca Nominate can bs alowed ark sated inc is bing done by Wea fo which can be ‘captes ne othe stove ‘has the amount of blnce a deceased depostor’ zat, ire he tank, depending us he cicumstanes may st ers ‘egal represerston suchas succession cosa lt of aassaeuec~> Set man sccm no oamet ies thon "ccna who romiatos or sures proven, hace incor ch ersetone sive ggnespese” i QeseEnas® arsaseras? ot NETO TOgesces 7 ANCILLARY SERVICES vec mH DRAFTS <3 pment of dak trata erdnenans, te epg Sanit pod under secede ges ate Act, oer ecndion resseies, ne stones FS ree by oe om (Of be inomaton tt Be at a etn 3 apes ‘corked tering huey tan eee spe Se pstmt ran co ie tre enters onic ‘eon hte sorp payee ‘poy me ewe aby eco Vitetenton : ‘eet bps fev em 14202 aly pro odorant ised Rat more der Rta oe Eo) ‘ported rat vcr of UPS ae ce ihe trace bank cacao, The Wet bas eee Stepaecste, ‘heb apn requ 1 Een 7 ae he et seta tba nee oem eset siete fompayea esr ‘he an ere atte cat None cte ooe| Incas of Teogape Tater Daman dt he rete ‘between the bank and customer i: —— Graben angcatrer Ofatataand alee States andbeetcay Sten nage Ponce ange fling a top pay ct taka ore ingen e beg st pyar ak a oc ‘Se preasewth conan he ung branch {Fa dupeste DO f rt sued win stds tne nee Sppcale fr Term epodt or Ye easporing matry f ‘eqlretobe pad (Tue / Fle) ‘Te tan dat can be sated by oping cath proved the ‘mountains an RE. e000) > ago000 Reston0 @-Ra7000 Retost00 ‘The ban daft an be pai in cath proved he are less ranks, Rexcoiee > Reso000 Re2oa00 @—Retooco R600 fois werden 0D of 00 aoe hit Poe Ci Mie csrpaerte ate) e med noeun opartiecees et eceeeinm Rete ertses See ene sens Seeciarweet Se eS e oce Se eran Seatee sane Freeney priate cet pi aan SAE Uncut dn pe Het antennae Ten ecseihceeee tet joiner a & mg gtertnrectnti Eecumeuutemmrr serananautemn Beacoiar SEES Sa a care ote aon EE ay on Seana Seon tan Han PCE OF aE Te a REET TER Ea TOabe en . Soares eat Princesa at ta Pesrrnte - é ‘A domand dato Rs 20000 a ‘Accunt Payee ty (na Fee) 2 Ta ‘ Lookers hora tnt spd ty a ort he 2B ech in cae of nes ot feels fave TSW cal he sea eke Your branch has leased a locke. The relstoip bran the oar ae an th nk ata {rd ae Tenant lettoranalesaee ‘ale ar bates Bates an bate ‘rss and berelloy Aan B havea locke seer osuvher and Ars et ays have beens Threats 8 comes fr peers ‘Bank wit alow operators wih Coen oA, ‘Bank val alow operations Bark slow operons finden van by 8 Banks val net alow operations a a er wou cout oder ‘Nand his wl W havea ke no aes and Ae resin broad W ine about ss of kay of Be locker and sel ot resin open eer. Bank val not ozept he roqust ‘Aer itching the lock of the lar wth any ober empty [oer tean be alate io ay new her ‘The surendered lela canbe alte newer only aa 2 years fem dat of surender Nene afte above ‘Acta Sectn 65 ZE of Banking Reguaton et 648 Factyefnorneton cn kes Nrng hes ben provisos cathodes have been given igs for atachmert or locker ‘aera for opratng his ace. 8 apotsches the bank or ‘Render thre of How woud you react Beansurenie th acer Beamalsuvender be ook Wont arent con sender bende ‘ostaran re canbe given ‘ominar ECTS nas GREET TOR Pt 108Totes person Tochibs soso & ssocltone Baie ange bath san ‘Winer ance i token open to presence of Be ong is 2 Croker eee “we npendent winesos Branch fla ‘epeseratve otc pace abe You cage of cer seton of our arch and acter ‘ames fo opt th ster Which ote flown ey ued theta of opening tear stones ey Mastery Wehbe bank Ble ey th menace sans sana Anewore Lockers Py é ‘ 2 [SAFE CUSTODY OF ARTICLES. 01 Ahi hes sealed pcketin ai cut {0 he ban hate pace shoul be cbveres 8 oe: ea, Bankcan accept tw ales Bank shou rol accept the packet ‘Bank sca wh power fata four of aioe Mr Hai, customer of your branch has epost with bork ‘ita gor secarer under ste cs) Hoh leo realest the bank io colette on has secures ard creat tN secount. hal ltorsh I bettean Be Sank andthe eto Ferealeion othtret? tale naaler ale anfoale ‘gontand pineal frst en boning Paeeeaee en ety natty ‘hor tae actos aces tea ale cus, to ‘cto ontvasn be sancer ti cosenera att Ste adboncsoay air on aie Chand Agent ‘Se andar [runorworskepcah aries ecto ‘atone see be ares ‘Thea walecat Te tne cv ap oof charges hed depot in None ofthe stove Iti et sale ia cat be dered onthe bats ofa ‘Sezeson crete beause ‘fen ow tt ned 8 ad sz a dnd under Inn Sueenson At 1025, Wavotaionedne ROU et Isotpemsad ve Nepolsbl stunens et tess wet copnta esa tween Iie Sah an arp ove rato a sor ta an 9 ‘Sisco account and want nonn Seha bh be {he ruminaon vl be accep In avn bank account ‘he nominative ba zee’ neal csi ercourt ends -Anawors: Sale Custody of Atles bo 2c Ne se ae Tosa NerT patrol ny es ha ae eat NET ‘a _e is ow ‘int re the operating hours of NEFT Pama Sem > Sambe7pn Bamios om 3 Same 7pn Whe of fe flowing eae fr NEFT ret Hig (the nasi peed stent a ra. » ‘owes ee net 2 Batches 4 fateh + 2houre 106 a nce MCT OF Sate TET Ta 197‘ner NEFT, in cde to tearing the eee and cape te [recess eye on a noarreatre pase eure ek ‘hin “ot compen of bats has ean tote! wel van, te ‘Se bth th sae cay Wo Pur 2) feslbachottne neato ‘What the tne fr cusomer Watacions under RTGS fr 8 ral ay Bamto4 3 5m b santosem Simo om 3 ioambepm What is the ine fo custome ransacone inde RTS. fr Sosy dy Samte2pm » bamtodpm Samte 10pm 4 Bamtoai0pm Invtems of tho NEFT 1 NECS‘T ECS Procedural Guidelines ‘emer banks reed afd ced tenella atari or ‘um aneacions (neediest wesver ease) othe ‘gating spencer bank win he pressed tile Ay Clas n ong eo toe pens provers specie tern, The Paral nest owl be FI LAr rors root 255 GIA ro aie 2, Rl Bara 2% [PLRt he concen bank Under NEFT, ene reqes karte of ind I tected fom Under NEFT. fa message eo retuned unefected tis treated to fave toon complied and ceat sods © be ena’ cent the bene anh beef etre day bore nes ay before nba ay before he nest bg ay Under NEFT, I ase of 9 Rly at he beneiay ranch the ‘ev hae beefetnd on (2) va led ts wheteve! {eoubleor ltt tt omeenceant of bse on oF 1 erent rmenReOr sermon Ee se tas Belo toe ce a Hea ace eer Dat meshes ietameeaaats Bagi Cems sesh Sarees iets rear seas erwtemmas ieomeee inmemees ane Temas ott aoa mane =n Fe oat wn saad Samat ras _ Yodel 6 Vel InRTGS, ech bans roqured shave sing gateway tae led er RTCS seam arnt ertace ‘Bank rerace nettle) Parte Gaoay (PQ) Under RTGS, tho message resi om partopant nea (P) Ispostedon io acbg sa bever stent au Seterert apt iret Funds Tense Processor (FTP) ‘leetuton! tory RTGS Buss Day nas _daty ven: 2 phases ere pases Tree ‘A rome areactors ae eccpied and pocssed under RTGS lnwhich ote teloning phases. TGS pon tusness pose ToL snaprase ea ae TRE TR TE 9{DL dose pose RTGS done pose Restos on Teh 10L cartes an ro tangacton whieh its a member wth an oustanding OL etl nde RTS, rte footing hoes RTS open pace > 1OL shut phase TDL cseprosa 4 erGSebee grase iat ee masimam pel of tienen oc ot RTS Inia? ‘hour oho 250hous 3 Stowe iat the tine fr alates rareatons und RTGS ra nama ay? Sanwa pn > Bamto620 Banb 745 pn 4 oambepm Wat eth te fr ral cto tern aresctone) under RTGS Soy oy? Sams pm b Bambedpm Sambo pn 4 Bama 7A8 pm Whats rei pracovaton pred under RTGS? Syne D Sioayeas ‘year é 2ayean “The cheque ellcon stom that ove the need to move yal msi aes bank rch cle ‘eed deaing MR equ truncation 4 altestow eh of he tg is nota acntoge of cog nein spent ew opeatonl oe rete econsigon wae ‘eventn of lerng ree ude alte stove 8 v cash Management Services Wich of te foowing can be corded a8 pat of cath pent sarees (1) airing minimum cash balance at tank branen (2 proving al Jenornaton of cuency reas fat ‘ATM (3) proving seins fo alge company fo opine te fauity ‘Nodak b tandzeny only 3 6 enya ‘Wich ofthe olwing canbe nce Inthe products tat ae albe under oth ranopement senices 3 compre? twee tly inte acount sped daar city caehcalcten eevee site stove ANSWERS. ad19 PRINCIPLES OF LENDING, WORKING CAPITAL. ‘ASSESSMENT AND CREDIT MONITORING | art op epaang a brome and sot his bsness mal Inrmatn ghee for masa. Ingman gtr em ay en ry racy cme Inloratn gated tom ued nd proestonals Alte mbes sonacen) ‘tem of ms wing cpa ty Re ‘yen ai > Qustary tess dont ba ¢ Beau None of he above | {he wos opt mis sancsonod by bake, pay 4 «ash credt ints ropaioutct ican tom nde | ‘apa fer pometere fred tom mana ttle prota fhe curont acai fal poste fed asa What oct of ow capil contd by the rome on Propet way: Ree so eto ote ngs cant alsos there bs no caeh uote ow capi the turing be win igh ot which weet Vala due Higher mest et egy rat wa be ig beter forthe ender fare oe above ‘nist the folowing otic n cata cost of pct preimnay expenses fromion on cenrgecies verkng capt margin ‘skin capa (cert assets) ‘one cfthe above “he rm goss woking capt erent rent aes ae aa aot ren saa oe cure abies ‘Wor cata equremeat aa educion of mga ceo asst TT rise acco ‘arent ates Ue te flowingrequrments of brows te mtu by ey ofesah eros cnn Nencoert sae Waiingeaptal coed assets atin above © Nong stove Harpe martsiasty the anon he sects depends o: ‘epee tcustons ‘edt repuabon he party eben own gees for coin scutes ‘Alte above In an opracl lowing aspects averted to be oked Management competence Tec easily Ezoromevabilya Financial ablly eA be sbve [Ate tne of ena waxing eal ints by your branch te loan ocr cheered tht Mls Baba Entre ution of Judson ong en tas 80% a he og om sures ong the yer Which song tha lloung woul be te eeu ee ‘ecuret ao & NC nol pve oneal he above ‘business fm, whe accounting fo socks fro flaton of Tsbanca sheet hase ensure at nea we valed ot fest pce mare ices iret pie set reer foetr mara pe, wichove vet Feateato va oft sook ‘ayotine above Fhe “et atod of lending as recomend by Tandon [Gomme net wor cata equreon i 25% oF Wiseng capt gap be Toa cet requ Wirtngcaptalregdied §—d—_eueitiabies’ fel aes Which among the flowing nt cine bythe bak whe eng te wating eapal itn aver fa brows Weta the tame ote previous aan have bea comglid wih ‘npr the sles fave en rue Brough te soot hath the repayment of tem nan arena ong wih the Wong copa Bg madre)‘hater the eae ested at te tne of eaten have been Fare oe sbove Uy baer hau agp rari “Trarecenbe cuen e pos of secuy ‘ve te appeaton ef rset the deo paste onthe baronet foes ones tnt parse tine te vate may pete & Ateatore None ote stove 18-“Wole senciong edt faces t thr baroner. be bakers Cala ana. ras. hen of fe flonng Tes fe mere Feet sanction oem an? 2 etteuty rato 8 fatreentesinane © tabtaenoe coverage ato entre © Retmoneguty 46 Amie ant smal ertpse has ban sanesonos wera cap! Tes agar te slat lo! f stack whch nema ohne ‘Zour 3% of th eel. The au ela are Re ‘iat shoud be the vave of rstaree pay fe i 250 toc) maitaring 25% margron sce? S220 aL heamouttsnchoned nt Fe Z2 blac 10% tobe on he see Fe S0lacte the vet he docks Reaolec «oie ve ‘Average oft bank rt and vale of stock 17 buses frm has bron sancrond wang cop i of Re.& {ae at 25 marin y the bank nd ook ab lt of Res {mae twit lrg roe owl ent fae > Ske bier 6 85h Bie 2 mec em oan sepa in Ser yeas > 7b ives 6 Nove ole above ‘An MSE uns wth rote Wuover of R60 lc approaches Your branch esate weg capa lr, atl bee ‘inmum acu t working apa tobe asad ft i? t07 yeu ‘moe ton 10 years Rasiec » Rests or mere 4 Re Sue ornare ‘ane bare hee contacted the folouing bios rg the It one year Un among i cerot be Hasse anon fresh ess? Isuod ear of radon Bhat fo ingot customers enfred tr fered on he ees fm fen bank lssues frat eoneet on ha tn expat ant 2 pcre forpurense andr oftoregn exchange (van quaaroe on beta ofa custone! fone line sore Inte ose drawing powers cslculsed asunder Vat ef sou es ran Vat essur as depreciation less marin ‘Amoi fea sansoned od debuted ss anount tts ‘rts aa aan ous er poyrent None ote above Under he Hayek Cortes Reconmendstrs, the quantum of antibtor ofthe torewer iso e projected amu eae. oe Bos 2% ae aot bases give a det equity rao of21 {Theta rl wong cpt se know 3: Lae fr wong ea Coren ase essere aes ‘lus org sures over ng tam uses ‘Depeecaton abe Foal aalting caning power incash re acount i Vaio sect ss naa Batre inte scout pur mapa Vale ef seuty aus magi None othe above For which of he fohoving obecves, bis puchasd and ds: urges are ranted paris: Ferinvsimet in fed ase Formeaing wot cptal needs Formesing posta cel noeds of wating capt Ne te above Cota secuty means: (Ges pope wn Sok ness ath re arout Ret soeShes andceerue pleeed hank eta &Steuy gen inset etry ven nadStona pia sca 2 A tottembansresmaien 2 fencer sy 4 eee @ forest stow 2 wOtia capa sessment punceen, te ct ets hang infers of pred is word atone basis of a Anwogeseckngecss pe nanhcon ot pecuion 5 Aeterna e hang open stn Any ofthe pean) a © fone sore 53 Awotig ent be i sactened by bars wich tbe {coving upses 2 Topenemaga tomban 8 Tefrowe arg wn capt Toe mney earn ft ind Foe os mora ign epee of ong capt Any ofthe above — s ‘ee So Ineamreat accom trea che ting osx 2 preduet wt “ b SSvetaning wee € macmumbaines nae 4 Blowe ns atnece of ach non {mam bts ctr ey 51a ef eum ne contest of pot ran. nsetos 3 Geproimose by te unt etre es or mai tant © Hevotet dental wehbe nl pest abe fs pet 4 Fletraeton tp e cee la 52 ken or tan ene banks a stovg rad aes one far baci wh each bere a arangaent Eeuragenee gue ooo Pd BT cons oe moe 2 None of the above: —— 53 Bankers mae ne ofvarou ates and concepts wile aprtng rat pops Far eon wich Pe lounge Feta ‘rate of retum (IRR) i calculated? sy poces Tien ote flour coneaes ca rcommene te concept ot ‘wong eaptl tem oan NayakConmtoe ‘St Kapoor Carton Tandon Contes hare Contos ‘Gen esas of a company se R000 le nd ther curse lables Re ao. What wi be the MPBF as ger 18 mato of lego Tandon Caries. Revaokee ® Resadlee 3 Rs stolee Readd ae (i-Botin- 90 wvCesct wtg ein os “The conop of eye fo waren ap Ehance by banks hasbeen suageste fr acuion Yaz Cormtee, DShety Commitee tian Contes —_Narsertam Cenitoe Nem te soe 2s per Naja Commitee Resommensatons the worn capa ‘eer beet byte bank nde brtower tha 380 o St bat et 2 eNore Hin rurser of banks wich can pacts in consort seca Permit dau gas! uneoedefcs cheques eet crt fesantin corng ave None ote above ‘Watt ye truer arcing? France fr poor uty assels Fie armenia racer “BETS Aah CHEN OE ny 1france fons sets _lestnone han emir he pret sty 4 estiedaneas OP & sycibetom 4 Cerans nego: Ginter preston aber expenses ro B estotpain aces ty ow ee ses © Gent ood spar Hches gs dock reds by sing ened gs to «he {2 Presa anal ton ropa ert 2° erat feces roped be em © tte of ade eparon tne © Saran fe poe! wth vow cra weer itis ‘ovale 4 the wove None atiba stove i 48 Therecrmenaatons of Tendon commie eta 3 Cashes 8 Goneom atarae 2 Grsthonrng Aregemert 4S Nonwote sore 4 Anise unt es etre st of R400, ctr goods £0 lac et woreng capa of R10 le. Weir an wl ‘scton working capil lms of R60 er tumovermathed 7 wee Ys, sublet svlsbily of margin of 20 ae fo becau redtaear sls franon he wring capa. ‘Awaauniom loans epaybain Steryeae 317 years Tho sDyeors oe oe stove You are charge o loans deparmert in your branch wich ‘stuaton in te on accouts th es can be ied and {steno coe eae he pots has beamed | [tha Geom dus an tan rosovered tits NPA account Ihas become due ard account Ras net ben a non peering scour 4 Bande bore peccegace 1 apc RTET EF ADere geow geas os geacce gece maar None ote above Wing cata ap scales a: (Curent asses escort abies CCrentastets es cue Taber otter than shrt term bank torowing Fed ates le coent assets lerores beeen long tm sues a ses None athe above The olin of various components of warp capt sch at ck or boot debi wen ested tme to tan a8 Hot vaous assets Norms rari snes ont ok of varaus asses ange ‘Te. poral of cet requremants in respect of cogotum arenes done bye {ead Bank, these fh ad banks moe han SO% ‘team comps ead bank ed the ban hag bond geet ‘hare he seo es berks han 50% ‘Albans ny ‘nila ‘och bank ee fr eal Uncer the Naya Cantos recommendations, te quantim of orig eapal nis tom Be barks mera of te ‘ected ana sas Se DK 20% oem ie ‘Wat tert woking capt (mag) roquterent under second ‘rad fons 25% oot corel sete 25% ofa ssa 25% ofworrg capa ap None of ove ‘he ra rll ong nt of pr wots cut on he tis of ‘Average stock of ou alata et month ra mati conse ‘average lock of wate oa stoke fay ole above None ofthe above ‘Tha nehed goad odng In tame of pero i wooo onthe aesoF aaE Te aan REET TINT ay HP8 Average stock ished goods pe mn ent ot sles © Avoragestockatinshedgoas al sae € Anyalba above 5 Noneot he stove The eceals hling toms of pe & woe ten the eset 12 Avrope vl ot rcaate per monin ss 3 breragetevelat ecoaiesftalsoste © nyat te above None otth stove ‘5: The ev ata consumoton can be word cua unde Flute oa naleral ine prolos sour Opening tock tw aera! pus raw mata prchase reduced by clang row mtr soc, © Aayotteabove 1 Nene ote above 8% Curent esses of» congany ere Rs 800 le and aber cent ‘bites Re la. Wat wl be he PBF as pst 2" mata ot ‘eng of Tandon Contes. 2 Re7ade 3 Restate eResz0 le 4 Reade fon nn ee 04 tat Bi!” Prog eb we Rea Ine func med of ‘ajax wah ote fowngle nt caress eae? en ‘enti feoee Nine ete sve (Wh fc om Jy 01200, tw tnt cn dteice ‘lien rec bow nd odarce hon pre eng ta tase lo © benchra rine tering ate D aryatihese 89 Which one ooing se ay cect of nating to base rate | stoning ae feet rane 8 nsrreney in pe finding reas 1 sppoprateconparsston a bas. © rab ofcedt i aroners D atbe ator {Vien of he flowing cleo of ene cn be ped by banks vihoutelerce th De Rae ens {iar fo menbars of tat lean bans depos agate om dept site stove cena {81 Theta CERSAY rain to Cental Reply, an fr 44 Cena Ropsty of Seaueson Asstt nda Gantal Rogsty of Sesteston Asset Recorstvctin and Secu resto a Genego Seno Ant hts Gera Regn Spca ae een ins | 2 Wats ee it eng wht ee ‘Eker ore igs base Stone ofc te char ran 2 in Scape oe sane arena | iin cyt ear oe cane enon {hes dyer othe ce aenion (6 ets of a ransectn ae nt ied win Be ted pesto i} ‘wan whose pemision, ene can be ed er repeveton? I Regetarof Companies Rega of Fie : © onal Reger 4 CenaalGon. 4a of wasacton ace ot etn 6 dye om eof Crete et charge wamocton win whose pasion, edt ante ted or ropsteon? Registrar of Coneanies epotar of Fire Coral Reiter Corel Goe | ‘The pose wich he ovina Fos, oes ot natch whe fing cts of chrge win CORSA Ferme fregsraton Ferme meeaton Form eregthaton cae facut sae Fermi frst cave of secre ants ‘GET ak THENCE iy TE2 PRIORITY SECTOR ADVANCES. PRIORITY SECTOR TARGET evses Pest Seco lansng gules hav ben esd by BI wel 23042015, en te base! Ie! Werkng Group heeded or He C8 marty commie Ms Ly vada tie MV Ne He Depak or ariy Landing which of faloning sites part of pony seco () apr 2} mero an sal etree (3) neue ney (@)socalintasinetue 6 por creat Sosa Hosony Band ony 12 dandsony Poly sector ages aon i (a) uta el ba crs) eat equalert cf ofttlnce sree exponute unites tower (whenever right ova Sard toh 3 bande beter band diogete ‘aud net bank eed ANC cult ae Sanco in nla leds wah RE or ter aporoee e+ tvestment InnonSLR tonde in HIM eaagtes Ipsatnants lite ob ested oe pry sat Bank ced Inca ius Sls edcurted wh RBI or ater proved Fle» icine nap SUR bons debe nM {store + verners cleo bo darted ae party seco * Ouandng Deosts under RDF and ater egte Nn Wh INABARD, Ni ana IDB on zzout of poy sete short) Eglo avout er cxangona on sua flanger bans ‘fast and aloe rvs () Elgble advances nia gas! tbe Mrenenial FONR (EINE depts, qulving or ‘terolin rom CRASLR Sank col In Ina mits Bis redgcountd wih REL or eter aypoves Fla Invesient ton SLR bande n HTM elegtes hus mesrant geo be sta ae pony ear Bank cat Inari ls redesoumed th Rl or eee 1 na rere crore ‘BETS ak WRIST En) 1Bsoproved Fis minus inveinert in non SUR Bonds in HTM eye + vines lg tbe tase spre ‘nate pony eco ar ort domain ‘of agate! bax se {2 of cant ener sftalance shot ogasre {2% ot ote el bark eto eed put fof tance Detox Micha loner ‘ave! spate net nk eet o eat equate ofbance theet egomie wichee is Pater hat ey sac ering target er feign barks wi 20 or ‘nae brenhosn es {By of agured rt bank cot cost equalet of ofblance helenae, wicker aver Sov ot eed net on ete credit equlet ff tlance ‘etext, whchavers Niger 03 fans net bank ceo eet equaet of otalance ht evga, ieee ene 4 of stad ol bok eto eet eau oftbaance thet empatze cheers ihe ‘Rotetre avons win be oval prt sector anny tage ‘ould be ot ABC of CEOBE wrcneor sgh, 1 ‘8%, domes banks and fora Banks wth 20 mor branches 25 sadam banka org bar th 20 or oe erarches ‘6, domeste barks a gr tas wiles tan 20 ranches ‘ra cateots of banks, Fer the purpose of ateverent of txts and eb, he ‘unde hon son ~~ of bs an sacar Int oy ae prev. yaar 8 Mar ofthe cent eat iiarenof ne provous your ins ayo he cen year ning pet eater ston whine pty sector ae _ Gl ANGE or regt equvsen of etaaree. sheet x5 hives igher 10% 15% 25%, 38% ‘nad te poy set nding tel reo banks with ss ‘tan 20 branches h ns {so ana rt bane cre ce equalrt of eblnce hes exasre wicherers we ‘tet had net bank ctor re euhaent of osance sheet egos, whichever igher “1 of Sh et bank rt or ret equal of ofbalance ‘esomanite vichorr swe ‘So feed at bank rat or ret equal! of ealonce Sheet ages, wee ihe ‘that to lonangtaget pty scr fr smal and marginal formas watinsyeutie iat NEC > Toran Bi otopieutae lars 4 Por arcu ons ‘iat ening lrgat i pay sector eres: 759 ANB b ThecaNeC of ANEC 6 ThettiSe are Winch of fe tloung stenort regaing rel missructre ovement ind (IDF net erect ‘ett depost short fl poy seceding treo ‘ata secon nding or ayeie nding in RIF IDE cpu estate anual ad fo 2016-16 Re 25t00 ‘eel Sank Rao fee 2 1 4 a pat of postr RIDF Irontemied ty Rel ‘cor doped in RIDF by banks not elgble vestmet fr prot sac clsaiaton {hic fhe flowing gee at rmanlryfr domes bans: Over ~40% of ANC or cre equate oftbalance sheet exposure. ‘eater econ — 10% of NDC o¢ cre eqn of etalon sheet omar, ‘oreatte 10% of ANBC or ced eahalent of tance shost ‘exper. USE = 0% of ANBC or cect ouhalent of oftalence sheet ‘egos. Fan barks wih 200: more branches wil have fo achene te hanced poy esc ores (am 22% 04) and eubarges ‘win begining tom yeas begning fe Apr, 2013 years bagnang Fo Ap 0% 2013 ‘years begun Fo Ap 01,2072 $3 jens begining Fo Ap 01, 2072 ecg aga or wear scion wthn the ky stra ‘Garret sector. 2 > om Ps 4 am What sth amouat finer expat red or corespording cae aE TPE RETO ai) 5hte of rotting yar, for moat bank wh can be sed 2c NGC 8 COKE 25 fp sector bans 2k al altar ost Fanout opie by a tark You ol stil eave of pry sector ages n'a kd manson Nata ousng Bak {iy pater wen pity eto Syeutre oes Fousig tans SMe ore ‘one fhe bow, os nan ry sco inset ‘unt dpe by 2 bark Hau of sara achveert of Pry sectr targets and nage by Smal nes Bok Erin (S!) wb patof tn ely seo ‘yet loans Fusions MMEtesne fe le atove, 2 on prt actor eset Net tonk seat for pet acer f esledstad ae Donk cen Iida is (1 bie escorts wh RB rae 2990 Fl (2) {oan priser) ret cued on a. fe3al sehen 2ony 4 The cent yeas tpt anc starz pb sec bans {eto be caput wi erence to ANBC of CEE an tb Fay oft prov year Bt Mach Be eer year St Marche Be prov yoor at Fda ofthe caer yar laced tank ty NAGARO / SIL NH ay ther fans fe of sorta in eciovoren of pty ses tgs re {ebeshovnin inte lcs chat of banks ‘epost nn tha eject tudon echo & ‘Ofer aunts mschoaue 11 Prony ec Lose sched © Noni seco Looe ehade 0 thease of RI avers, whsh ef Be four net cone: ‘fe outstndng advances ofthe peu year ary il shou goo SCS {2% abanen sss be Brough ember tances 40% aan ta SCIST end 2 sou be ough nl & een “snares abardeal Boreas bake ae to deposit h RIOF wth NABARD, the shat beapectet Soret atonces tra of 18% ny sector ito st. ‘ear secon avares of 1% soe Sandb ony “he pve of depose inet rat or epost wih RIDF ard SDF ae ey NABARD incase of OF ‘idan case oF SEO inom scans Mire France When sre nelued for echoing weaker sect lan tage in prety ecto? Sra mers eat arse [NRL bans nr ras lean upto Re 100000 wemon benaiay lea to dstessed poor for peepayent of ans to ronan PREG? advance ‘hc of coin targets not cont matched as he ot aig ant Hain France cores cng 9% ‘Te conmeral barks oo campus that ebigaton e rove nae fo houg at efter as alte ast. o Mach of be peevaus sr 3% tl depose. Friey 5%, tl rea reporting Fay £3, interment epost reporting Fido 23%. insremenal ea, Fy $3 Auod NBC, Fay For sting tage fr atvances to women enti, women nia eon waren aditon fo managment y names, te anrbuton ot women me capa the Buiess acy Pek ieee Es b 4% aE a OMRETVET GUSTS Ca) TT51% am ‘Whats ot re th oar tage fr are MSE eae: Igieuure (ocbursonen) 2017-18, 100000 tas chol achieve 20% gout met OSE No.of moon an sour hou nea by 1% vey oor Site stove fare oes ‘iota ne ery sar gel for RRS wit freee fo hr Dejan el bark cred a am om &—Nonwotbesboe Pesemet by barks in SEDF f som In ter Ener sbest Scheu 9 —"vesinentsin the Baerce Shet Sched 8— tea nto alr Set ‘chet 17—ohe aos nth Bares Steet Schule 5 oer bie no Balance Set For spas FID by banks, ert ate fd by RBI does co rich ncaa of whch fhe oun [Tania lat han spies tank re ess 2% {sori estan 10% pos enka loss i short {0% pono ove banal 5% rane cfte bore [frestmerts by tan in er Bark Parpton Cerca, on 3 ‘ic strng bs fe pony ser under epee. (Te / Fae) Anewers 223 fob ° wo 8 a Bem a ut ‘ther Prot Sector Loans ows len (promt fr purse concn othe, an Tercihea in mctepltn crs wt population of 1 ae and Stove fr cian as ply str, where the ova cot of onbuine road | Resbise > Reso Rese 4 Rezobe Je 1a aa rer PRETEEN Hoxsng lon (my) fx tease or cosvucton of hese an Serica conbes, ober thon shop cartes. for cae sa roy ses be he overcoat sch PO tenes Resour bResolss azsioc 4 Rela: Fhe amount of education aan tat can be assed a pricy forsee taicaton nda Re Tard edison abcad R10 oe eaten ni 20a edveaton abroad Re. 101 ‘tuctonin India Re Dard eds 200d Rs 20 ac ‘oveaon eng Re 20 and education abeasR.20 ae Howsng loan pray fr purchase o conta of house, up (eRe Goretned im matopon certs wth ppdaton of {Onan aoe, canbe Gavia at Housng Lons inde rey Resdise » Regélae Reader 4 Retlac oun oan (per mf purchase or costeinn of us, uP ee Sentened i aces ober than the mekoplen ‘oes cane closed ex Haug Loans uncer rly sector Resobe > RszBloc Rezdlae a Rete FHowsng bons (pr tam foarte he danaed ovale wns far be cutis hous lean under py eco the fan Srourtisuplp Re mand vemeabon ces: Raabe be Rezles edie: 4 Rabie ous loans (era fo rep tha dag dling ts (Gn be deste ae founng ban under pry secon # Be loon Grort upto Re, inutan ard met cents Ret he bo RSziee Rasloe 4 RaSles Bark fan © 9 govermensl agency for construction of oven (Gre orf un Geaaren of retiaon of eum cele ae chased 9 vg spoil er ara wt cn Rezice b Reslee Raste 4 Rela ae i ARTE TON TT es 1Bn oa fr housing poets excl fr eonamialy weker ‘secon and ow neomegaupe where pr unt oe dosnt econ Fs. loccan bo caaeg a Housing oan unde pry Se. sZise bo Radios Resiee & Restle Laan wp to Rs, ___ gr terover by barks ol and ber SHGLLG (a borowers houseals sual mene does ft croed Rs in tual ates ond Rs OPT sess) can be ass a prt of oe pity eT, ‘25000, 6009, 0200 ‘0000, 0000, 0000, 0000, 2000, 120000 000, 100000, 0000 Lens to distessed oerson cher tan farmers) opt. per borer a repay bet leans Ip rorsaubona nce CaF be classed 5 part oter ry sector 200 | ‘> 3500 ‘cao 310000 Poy sector an appcaton shoul be digosed of In te fain tne sche 2 wooks fr fost up fo 5.250 ard § wets fr oan above aden’ 2 woth for oan upto R5.25000 and 4 weeks fr an above i250 | 2 weeks fn upto Re.2500 nd 8 o 9 weoks fr on stove zs000 ication a banke Fo apy sector Kon up to R&25000, whch of he folowing Charges canbe eases by ane. pposessing fe andcaven oo alt ofreret Inspection oe rane be above ‘Whe he elonig rues are ob slowed by banker jt ‘tan apteaon ply set (whieh one at are 1 eatone fo rjeion to be phen in wing the Bonewe ithe “Sroutis pt, 2500 on. 1» ban apleion rected to be verted by RegonstOWisonal 130 iro MACRO manager cr vit the branch {oun appeaton of 8 or ST can be rele by an ofa ghar than rach manaper rave ofthe soe Bankes er ous projects exe corer washer eton and ion nose git whee eu cat dos retro fhe presesbed mk can se slastoa ax hausng ls ure pron eect. For the purpose the soni neo othe Toy ‘rou not ceed Rs. 24000 ® —seot00 200000 & _Rs2#0000 Under pony eat, te oars con sanciond by banks up to Raw for tlr bared power poner, Bomess based pve eT, wd il, mee! pans ane nearer Grea boced pute ites ve ast aghong yet, ra re ‘igs clacton: Rater base. ats 4 R206 Bunk lane t hosing fnce conpanee (HFCs), apres ty NG for ter retnance fr onverdng fo the purpose of purchesstonsiuctenteconseien of nial ving Unis 6 {orum cerance and veto of sum dela sujet an rege onlin st Rp borer Rez eB Retolee 4 Rebs For po et ote eligo fr poy sector asian, wat le the masimum amount of sanelone le vidal epee Rstoe b Re20er Rezber 4 Res0er at the enount of loan tht canbe allwed par terower fo become eligi forarfeston a Soslinrartuc, aly ecb Rater b Raber raze 6 Rater ‘ih emang te ftoringivestnert nat part of prt scr ‘atoee? investment vertu capital tnd Investment senaze asas representing ol eighle sts in erty sectornent in ear pacer cots where under evap 52 iow rt pto Rs S000 ‘ne ae nl arong he rat coemunty but te Musins, ‘hone, us oe Tie ‘hich of ong sn case cf amount fico cet sna en Re 2500 tine an R122 ipxenarlnsp 2500010 SHG Hear lan wpta 50,0 petro. Vote mag anc feitn an whee coal sect [cer tan pay gare) may at be cies: Rezo b Raee Resi 6 RaTSie Re tole (at ihe an Si ong for etn, ile and cote ‘rs compas rer weaker seco? sco ‘e Rs20000 0000 a mice eu tend ha tied pops! fr aacion of fos of Hees Dae te pty enc Viale tne prod avaie aero RCS ° reat ban deren Wehbe tol cn be reed bye Barks cae of plat ste advan to 625007 Denali Disco charges Docs oes Galette stole stove ‘Miche lao is conan tof svar estes: ean be aun up to R25000 tera hve dacten erate fe srcnt th ay ped mera 538 fo othe otng woe shown ane a draco 2 eh a tn plein cn fl 8 jee pry sector by ranch manages in bank: Weaker secon aha lances eroereat & —_scisTbeneteares For eta by a tower on scaunt of rat ealartes the ‘eds, op ean can sana io. er en oe ‘years be Syems 2iosyens yen What isthe maxenum anaunt of eaueston lan wich can be selene y banks 20a for con in ia R20 abroad, 10a for educa in aa abroad, 10a for education in dian R20 oe abroad, ateank sertion Ines concession in educaon loan canbe sowed Mines is "ep ding mortar pod ~ Tue / Fle Loans outstanding under Geral Crest Cade ae to be dase eet agiesre > ndeotapiatue tte pty secoroars SE bane “he meron pri in exaton an i) 2 monte (2) 12 sone fom dt compan fon) 8 on of eng roomate perenne ‘orsvmenavr carer ‘orator carer Zor Suneve carer Zorawenee sever Inosucaton an, margin above Rela 1% Fao Mg ses ean an Th ae In eatin anes cirg noran ped apd on Sire toutconponeg: Yael Fae" fn edvcaion lan te repayment ports 6 57 yea ster Conmercorent tna et Face neh ef ean ee in cate tet lef pe wn Be cane tet af pty iets canbe tae or sbore ‘peat can be charged bros ut Ra.25000 ‘eqn cfcop rete sr ene ret onpocga be done z aio ui SURERE TE QUTION ainy TBste sore Wich aong the og ons math neg oo. antes atten goa “ Naa 1028 Dae pean: $:20 ‘en gap dr ISRY A 0 Fer tcitae: 620 IU enone in 5 ve fie do esc a ppon we pute tara os 00-1 0000 -NABARD £0000 - Nato Hota Bank 200 RVC magn nosey Inpecton se poet cote of pry sac an be terete he sree 000m bRaasennermere Ra. stow mre 4 Wetents 2500 Nove tan sono Nao minty Saris we et tow be men ‘banks is 121 (True/Fate) Eee etn, err Cre ar (60 whch ft lowe rat Sub stony pain ge fa prety ser ‘ane sued nr arson seas oy ‘ane sue fe an amauta ban erton ‘aly ped estes 5 yrs, Answers ene ae at Be af a [AGRICULTURE FINANCE ‘Aaviulture Advances ‘The agicuue oan win pty Seton along segments (i) Fam Cre (2) Agree fasts (3) Archi Res (4) Oct pica () nares ogre. tosal pte sony tose 4 band Sony Farare tan be gard pesthaves loans aga! hyethecatn of Boge owarhoute eee oan smear upto Re Reso ae Resse Reioles 4 Reskee Formers ean bo grt postharvest ons agate hypothecatn ‘page or warcouse esis ora pened upto Sion 2 mane dents 3 Semone hat the aggegate oan Ft fr sputse inrostcte por erower om the baring sys for prrky saat esate eter b Reaser Resoer 8 Reto. (lane to copecate tamer, “ames! producer ‘rgeatonioonpares of Indi! lamers rarrersh fens rd cooperates of arers recy engaged in Agree and ‘Ales Aces, up fo a apregat lint of Rs. per botower (ane cased a azure ons, Rover b Rea Reser aryerount Posthanest fans oc peduoe faring fans To comporta {armas lamers’ producer ergarizaondconpanes of hdl ‘sms, parrrcip fms and cooperates of fares dey ferghoed in Agile can be arte ayarelhypatecaion of ‘edge or weet ecopis ran amourtep a ettolse bo RESO Be ozs 6 etd san sonetona by a bank ofan pl tesa cutie ad at ako aan OUT TONS atin DSovelopmentoans {Rcooparve sey of mere to depec of the padies of fame cane slowed naxrum cane, Rover be Rare Reser o Rese. {an for cal go proses uns ae 1 te ead 3s “ees ance ‘ect apicute sence Saute soraoe indrect apreze sovance Forshee cop ors, eres! subverion ae at f_| ‘alba bark om Got fie rough oy > oe 25% som For sot tm cop fans, ative res subvertion atthe ale Grp alte mere fom Goa na gh FL, ate mer make roel pepe he oa me bak x 4 15% Colter secly& meg ran age are expe oe tear ‘pte Re 0000 » — wptoRe2so00 ‘pie resoo00 4 SpboResonoc0 ‘orton fe bar ‘Nerp inn gery banka roto oR a) need ted (sone bss of esl of ance dete by he ban (Ghisonthe bas feel of rane dlarancé by Det Teche ‘meee ‘Sand deonet b banddeanet Bandecorect 4 bandeconeet ‘Wrchf h ovr doesnot nt (an version fee wheat Yelow revlon pases Bus eveuon = eh production hte Fever Caten poston Dep acrmendton of Wa Cones, which fh flowing eas nota ‘op mats wei 12 mone short duraon cp ‘Sop matin i 2 rats er drain op ‘Sopmatin acm wihn 6 mos hettrm op Sendo Te ae vmcnewwer@ wme Whe of the folowing 6 nt pa of dec agicture tances in Nodes cere sno nsiady banks incase oF ‘preale loans eran amount ps Rezso00 —Rssoo00 100000 4 olrequres IF'a eo lean i given unser teup arangerent. the extra {ectty nat be sbtaed forsbanp Re Betas Dn Rezioe Redlee 3 Reshee In case of agictnics and ago buses cents, which of the ‘stow caret travtoan& projet cost pa nal can be Re 20 oe Kan lobe dassted as et arate advance Serovar magi feroan up oe eno cals acy or matin be taken, Sere area aptcach thane eoigatns unde gov. sponsored chores ae stab coma wi by banks = True False Redakieban Contec fees fo rl indesoaness ~ Tre J Fake (CP Sarthr Commitee relates to procedures on acute bans Sree Fake {GRangaraan Commitee retest agra rng procedure, Sie Faee ‘rand mica iki covered uct PM Fal Ska Yona ~ Tie Trace “Tha projec cost in Al ees ard a busines centres scheme is FZ and for grup Rs. 100ac- Te False The conposte sibs srcunt 5% ofthe project cost in all 20% oe insurance Scale of frares x area uncer eaten * 20% of nt fr pot haves = 10 oe insurance cal of farce x aa under culralon > 20% of i for pot. atest = 20% ore suranga ce scale ffrare x area ude elvaton + 10% of it for post farvest > 10% reas, nsurnco ke The KC scheme tt or 270 and suteequent years i o be etoned on hien oh flowng tars? 1% yearImt 10% fmt each surest yer upto 318 yoar ‘year tt* 10% emer every asters yearup to year 1% year 20% cit evr sures Jer upto 31505 4% year it aftr ever sures yearup oI year ‘he ong fer lan lt under Cio be Santnied onthe roposed investments ung festyes » fists 4 fest2 yea Syea' beret For marginal amar, fe KCC tnt tobe sro whi the ‘alow range ‘s.2000m A 00000 ‘i 100001 Rs s0000 6 ‘aie peter te KOC ‘atin yes > masa yen ‘ravimam Se 4 Sedscetonct he bk ‘he worg soup to felis iaue of eleven Kes cred cards was heady Sh Vieshame ®TBhesn “i denadhan A Uden Scaif tance or MOC share i ed byw of he floing: ‘State ove Baars Contes Distt Teemcal Conon NABARO Bark concenes Fer short em crop cas Inert subveton is avaible fom ‘Gow of Ina tough Rf ean amour pf Re and > Re.20000% Ra so000 Fs ton00' Re 10200 {i ie EMCEE AM 20 PRIORITY SECTOR ADVANCES PRIORITY secTOR TARGET Revise Pity Seco nh genes have ben esd by RE wet 2308 2045, on te bane ct hema! Workng Gap ese Pe Wc murty conetee ty voars aed i Deepa ray Loran wich of he loving atts pr of roy scr (0) spa} rea oma eres Gh roetes sy {iaect teary emer con ‘Goan teeany 13a ony 1:3 Sand day Py tr res fed 1) svt bank crt at alt of etbaner si eon fs wanes ‘rr whore er cae Sarabtot erdeageher pangs ‘pte tbat AN) aaa Sank cet tesa wh Ro cher speed Fis venient hs tee Hd eons inesine ee we teat ey sear Sank oun nie tuo i ceed wth RB or ober seprd Fa» restr mnt bonds catetoe agate * nen claie bs canta sary ree + Oustrdng Cops nse: RDF ens ete Ne os SMABARO, Ns na SDS en sac py aac aneea ft Ela aout eons on nate of gas ‘lasicre ad soublefunry (] Buber Sacer rae ‘para he heron FENR (ONE Sees ten Strpton tom CHRSLR Sect emus Ss edcoued wih RI or ter sopord Fs» eset roe bores NN wees ‘rus eset geo ead opty ee, Sin cmdt rns i edened Wa RY or ter “GOETo An HEHE THE ONE aay TDSpeoved Fs mins neste in eonSLR bonds in HTM ‘Blogs + tvs eit be wet 8 pont Seder ‘Shots pny cose an ret for ote bak “Dat add net oker “pkel aud eqar of oelanco sheet epoute “oy ot oad et tk cre erst eat of otlonce thaetexgaure, whehaver me {Titel assed nat ban ero cost quale of ftaance heel eons wichave Mahe Sat he poy sect rng pet x ei barks wih 20 o¢ ‘re baehos ns of anes net bank rt ceo equal of fblance heel enue, wove wet Sto Sjated nat bane cro cet aqdalent of o-balnce ‘heel expasure, vices higher ‘Dic edd met bak ted ced equalent of elace “hee expanire icra er {1fE tested et bene oceequaat of citlane thet ease vichovers Hoh [Roeare advances wi oe oral pty set ang age ‘Seuld be of ANBC ee CEOOE wrchver igh, for orks {does bark a feign barks wi 29 or more ranches 45 % amet tans drag tanks wh 20 or mae branches ‘fe ameste bans an eg bas es than 20 ranches ‘6 forateategores of barks Tor he purpose of scorer of gets ard sare, the ‘cisadnginons aon aoe iano acct ‘Se Fay otto proviayer tare of he cent year ist renofte previous yor lastray oe caer yor {nang tpt wear scion wine pty stor re OF ANGO or eredtequaant of idan. sheet emcee cere shigner ‘0%, > 15%, 29%, 31%, ‘ink ie prey ecto ng tet for rl banks wt est than2) bsehesin Sao dint nat bak recor cet equal of fblroh Shee excrure, wicheer saver {Tit etonesed ne on edt or ret equa of otlone sheet expe, whicreer ihr 40S; of aid net ban soa or ed ruven of fbn theetopenr, wnshever lover 125 of ahd no nk eater rst quant of eftblance Sheet egos, vache! haar ‘at th ecg fret ner te rsa and merge ‘ames tn apreatoe: ‘eof aNoC b> TeotANec feof agate lane 3 Potngreitie loans (What he lenin pty saci foxes: 7% of ANBC be Tw otANO bier ANBC 4 7%OIMSE oans Ue of te fototng stoner regard ral ifsc evelopment una RIDA ret corect ‘dest ban dpoat so fl m roy sect lend res or ‘Weaker ecto ending oats lndngin RIDF IDF ex esteted anual andr 2015-18 Rs 26000 Porests Gank te es 2 t and peidof epot fe ROOF tedsteranedy Rol ‘rcunt daposted RIDE by barks rat lie vesinet or ty sec claseieaton (ic ate flowng ages trend fr demote bans: veal 40% of ANSC. of cea equtlt ef ofbalnce sheet ‘pose. Wesker accton~ 10% of ANB o: cuit equbalent of oblano shel ages ‘Ale ~ 18% of ANBC octet equ of tne shes pose. MUSE 10% of ANC or crt equal’ of oftbalrce sheat ‘expo Farag bans with 20 or more benches wl ra achieve te fentorces pony eetr gl (Rom 2% 1 403) ond eu, ain begining ton Yeas bigning fom Ape, 2013 4 ear begin fom ApeO, 2013 ‘years begining fom Ape", 2012 3 yeots begining frm A OF, 2012 {ening pet or weaker eocton wn the pony secre ‘et pony sect. 2K > mK oe 4K ‘ats he sunt fneronental expo cred ne comespondrg 6 EBT RHETO Ca) HBate of presen yar, er domes tank whic cn be dasied separ ot poy ose? Fier aNEC or CEDBE Peet ANC or C2ORE 2st ony secer leans Ze cttaal bare ost ‘asa Seas ya bank neu shor in chee ot ery seco ages a fund managed Nana Hoang Bank (ni) wie pater wen poy eater Bycalie bans feusing ane MSIE oane ora othe stove, 6 i on pint scrinveeent ‘Amant deposed bya bark hou shor aclevorant of ry cose targets a turd manegedby Sal ston Bak Tra (SI) wilde paral win pony ease ‘prete wane hous cas Moi leare ‘otect tha shove, 9 is non pery sector iesient Nat bank ced fr pnt secer calcu as bank cee Inia iru (1) is eeccuree wih RB ae peeve (2) tan rovisns (3) nes! aered anos tesa B danszeny 2 3 ton ‘The dent year target and autores er prot set one eto te corded wh erence a ANC or CEOBE a ot lot do of to proves year Bt Mar of ne ureter St* Mara fhe prev ese Inst ida of he cent year epost sce by barks WE NABARD/SIDBI/ No any oer funds ne of sor n ectievement fly st tages re tobe shonin inte blonceshet otter Deposte tn tha aapccie non neces 6 ‘Ober attas hy Sehosue 1 Prioy eve Lean mecha 9 Non-priony secor ean sche Incaso of RI svance, ich of eon tapes coma ‘Megthecustag adares oe preven ear 21 erat sous SORT 40% gavance Should etivoigh ul een aches 1 am ncree CTE 40% arcs SOIT and 20 sou be Bough a & en urban branches, 7 “ aoadeat Soa ft cpt in OF wi NABARO, te sa Ser sans eto pouty scr age ots eater sectin aaa 0% Seven ‘he pte dpe and net fr 8h Wh RIF an Sabre doy MGA nee oF Soalneae sear Blin bo ne caoe Ninety ot raven When rot ced fr ching weatr sein ans age pet seer? rat mers crass AR anes nla ‘Eavupi te 0000 2 waren tnetly ‘ire tensed pot peeps ton ronan tee? scence Wich he fling tet 8 ot arety mae at age ot Priity sector? al Koreuure= ‘eae Secon = 25% Overs Hoting bane Housg Farce congae one 5% The corer banka ae compet thr cago pie {ance rhasstg tata esate ey Nea fe ren ja atl ope Fay 5 fl re ering Fey 2% rer dopo preg Fy ‘Be nownenal el Fe Aas NC, fet achvg tal br mance o vor ene, 2 women tcp re wre asaton 9 rapeert oy treo {ents women nthe apa te Base feel 3 rt > am SESWENA TNE Eas) TAF51% 4%, ‘at role wear otargaeferaice MSE ans: ‘Apltre (dstarsemer): 217-8 100000 Pl era acleve 20% garth meet MSE Ni of io ener at acsunt stevie bY 0% eve yer Bite stove fone of ase ‘its the pity sator tage fr RBs wih ference of ‘jes Patan cre, om wm ome —_Nonaotte shove Tieedmet by banks in SEDF ls shown inthe tance sheet taser ‘Scheu @—"ivestentn tho Balance Stee ‘ches 0 Tons nthe Balance Sheet Schedule 11—aler ssa inthe alan Sheet ‘Sched So aie nthe Balance Shee Fer dpe RIO by bank, re fate fae by RI does nt trtch incase heh of long Teton les han 5% pons —bankrae ess 2% I hata oss than 1% parts bank rata es 3% Isr 10% pals or atove bankas 8% fenoet te cb Invemats by banks nner Bak Patipion Cereals, on 8 ‘earn ba pty ser under epee (Tre False) Anawors 2 * ter rity Secor eens Hosa kn pr fr prone roscoe an ‘Stata nab cies win yopaton ot 10 a ‘Sov enn ot Sehhsets oreo: Resse Re2Siee “a -raneL ICEL BME Housing an (pe any fox phase oconstcon a hae, can ffnctored cones oer than retopoltan certs’ ot ‘ateaten as ity sedan bere the oer cos of uc hose ‘erated Reaslee »Rsg0te Re2sie @ Rela “The amount of edict loan tat can be desi 36 ory oor eae ‘ican nda Re Tard etteston abroad Rs.10 le tat india 20 resus 200d Re. 10a ‘ciraton in nda Re. 10 snd education abroad R20 ac ‘otcaton ind R20 2nd estat abroad R20 Be Housing loan (perf fe puch or eontcon of aus, up [oF Sonetoned mn metepolian eonses wit popon ct {Oloc and ave, canbe cassed as Moving Loans unde pry Res be b Ratloe Razolec 6 RatBloe easing oan pay fox pce or censtston ot house, uP Dhan Sactoned cas abr thn the metopolian ted, cane caidas Housing Loar under pry set: Reso be b RazBbe RezOlec 6 Retsbe Housing bans (pram) fps he damegos evn nts tan te costed as hog loan ude py sector fe en (Grou upio Re, innialardsem/bancentes Rete b ReZlec Raabe éRssioe Housing loans (px fam fr ropa he daraged dain wits {an te coed eo ousng ban ue poy eco he fan farant supioRs——-inurnand met canes: Rete b Razlee Radke a RaSlee Bank on 2 governmental agency fox constriction of oeting tls or for slam clearance of ehabien of eum wes ae Clete on og poe pe ety Ua lng Rete b Rsk Rai 3 RtOee ate RTT GIRTON TP Ewtn ne ant nn rt seovedinici on ee ee SoD Elena no Sa : me — i Tepper a SPORES curiam ead pte Pas : ESS 5 some aes + carps etme ea ee arcs SS meunonam = 7 oe a eens 2 ESS eU ev manos wens iS 2 eerie stn «sew on ik + [item sini men swiainsoe i 3 Feramrt pe ei w eta Syria : Soom ¢ Somes ; oe 4 reais we eh ae Casement + Seremeeopenaciwrm Soran > oe Ra eo at ‘manages cng vit te branch ‘ban sppeaton of 50 er ST can be ela by an ofr ghee fan branch manager rane oie abore Bonk loan fo basing pes ee coral weaker Secten and once pours we pe nt ost oes rele ‘te preserbed it can be csaied showing ans unet ‘oy seco. Fr ths pupee the anual hams ofthe amy ‘Sul oat excand Re 24000 » —eooc0 s2o0n00 4 Re260000 ner ply scr, the Toa ean eancond by banks up to ‘a_er solar tated power generator, brs based pone gta, wind mls, mrp and fy no-convenoa rergy toned publ vile ve eat hing coo, an amon vig electtesbon: Reter b Reser Retr ‘ Bonk wane fo housing hance conpanke (HFC, appoed ty NHB er tage finance, for ensndng for iMe popose. of Duchasaconstuctoneconatton of Mov! dwell ants Se fers clearance anderen ot sm dos sige ‘aggregate an tntorRs. pst owe ez bela Reo 4 atSbe For expo cr fo be gl for nyse lesan, wat 's the marina amcunce ssnetoned in x fal eer Retoer bo Reader Reser 6 Rssoe ats the amount of lan ht can be alled per batons fo bncome elie or ssiloston os Sol feet, cay ster base Razer ¢ Rater ich mang te floungisestmont i et pat of port sor nance? invstnentia verte cop! nd Invementnseuize asasrepesonng ol egle atts oy seca 180 a -rnaarCEEer ‘GET ak IMEC TOG iy TFivestnert in nlerbank pater cerieses whore nding sel priory ecor 4 meee pia R200 41 laine. are pot eveng he mncity community bat te Mi ‘Grits Bisse. Tae 22 mien ofthe flloing te nea of acu mize st 2 andmomloan sR 25000 1 ranma ans 10000, maontoan upto Rs 280000 SHO {4 tama kan up. 5000 per braves 3. Wat ae anont of eduction loan where cael secnty (ater thn py guar ey ot tobe cies a Rs2ie b Ratlac © ReSlor 6 RaTSlee Rs tole 14a & the loan It cling for atsns, wile so cote Trusts fr etepoteatn ner eater secon? 10000 b R520000 eRe 10000 4 Ra200000 35. Your tench has ccahed 9 for tancon ofan of Ao atoo ware prom sdk Wal the ire pred aatale [othe tanh oak denon is propos 8 Bamoets b 2monthe © Aweoks tenth ‘¢atbank dscton Se. wien of be olg can be ecovred by the bark incase of ony sear asionows up RS 280007 2 panainest > inspection charges © procesng charges 6 inane’ of pint ve het above 7 whien of be oon ert carer ne conte of swan cet cad 12 teanba eves pt R25000 bank nave doin io enhance he amount the vb pods axium yea {4 sthbothe oustanding woe shown as nde advance {2 Wen Kink fon appa en note ejecta npr sero 2 sa rmeRTeROCE IE by branch maragersin banks Wesker ston tb Baca lasses © Mexocrest @ —SCIST bnetiares {For deta by a borouer on account of natal claites We (fod Soy lou can be sev ios magn fermion 2 3yeas yea & 2osyens: & Byes So. tat te movin amaunt of eduetonToan which can be ‘aetna by bans Ra cto edu inna an Rs.20 le abroad. be TOletoredurston inca and R10 soa Rs Ole or education naa ard Rs. abo, stbankdscreton $1 mere concession io eaucatn lan can be alone ireests (ed dg moratriom pees ~ Tue False ‘Leone oandng ince General Cre Cars oe be dosing 2 Geectogrcutre inact ago © chery sectorloans —d__MSEtbans ‘3a The mortorim pron edcaton oan is (1) 12 mone (2) 2 Tn fem date ot compan ef ud 2) 8 monte of png ‘reloymen 2) 12 more of gating erlymen Tora nicnever eae: b tera iene i err © ZeeSifichever ete & Zoraniver erie: 54 ineducaon an te mega above Re sci 6%6~ Tro Fase 35. Marg for ste nda education an ~ True False 26h eaicaton loan, ret duing meaatum peso sapped on ‘Shop rae wiboot sarpourdge Te Fale 7 in edvaten loan the repayment peed 8 57 yous or ‘onmencement finan Toe False 18 Wich f he flowing Bue in case fees rls © tony ‘peo 2 blstet tes canbe base at or above 3 no panalincet canbe charpd fr ans upto R.26000 ease fc reat arcu leans nse! compounding rot beaore oo ate ae OREN IONE ay BD6 atthe above 39 Uneh anory et esse 9. owns des ra mah pet fo, imenbersinasethe yey eI faaRD: as Didar: $20 ene opine ISR 0 Forde so e20 RU soe in 40 ect long oka phn ee oven ta 9-8 stn -NABARO 00 Natn re Bak one ragimony 41 apace rd pcm fo a of ety can ‘fecovered if fe amount of advance is: aad i 2 Resom ern 2 Re2sotrmoe & Ra stooenoe 3 the tontaet00 ®t hanno 4 ‘Nal mre de win re ew be bethany" st for be mney 4 ‘Regn. Gane ret C(O) tte el gan te ued any peson cherie eb ora py ser canbe issued nua samba ares ony © cante sued ran amaintt bank deseton 4 voy pt rested Sys 2 [AGRICULTURE FINANCE Agriculture Advances 1 The agree oss win pert sao hs folowing eogmert (1) Fam Creat, (2) Agree neste (9) Aran Aes (6) bret arcu narect arcu, eset be tt seny teeny 8 kendSeniy Farmers Can be gee posthanest loans soar hypobecaton or tedge or warehouse respi oan anaurtupio Re Resoise Rese Retolee 3 RaSlee Fama canbe grt posthanest oat gat hypahecaton (2 pledge or warotouse eels apse pio Siro man Sine 6 tsar int ste arog ean Unt for apie nase per toronee "em the" Basing ystar for Bry seot asstoate Rete b Reaser Reso 4 Re tooe. tone to copacte tames, “emer producer (mgaiztontconpanes find! farmers panei fe Sd cooperates of faersdecSy engaged Agere and ‘Aedes, up oan apgropte it oF Re per boron ‘atte dase ae arate oa. Rete Razer 4 dryamount rarktng ea. lo corporat farmers, farmers’ producer onerizaorlconpanes finch farmer peep fms and cosperstver of armas ae engaged Agree can be granted against hyphen oF Hepe or Watenuse reap x an sour up Restoiae Rese s2she0 & Re tOles Loan sarcSons by 2 bank ante plan aus cutue ae ap binechncony, seed production rasuton of Bopesiies, Bo fete ard vr crpostng pa of wihin apres races pray sect tarmerest gree nkastuctre ‘hay acy aa a ETE TE Tai 1Sovlopmentoans 1 coparave sacl offers fo dspesa of the produc of {famers canbe alowed mas an oe, Rover be Rate Ree, a nse. {ate for ood ant agro processing uns a1 be cased a8 “eet SE onan ‘ect Spree ores real aovnoe lode pretence “Porat fm cop ane, rest subvert the at of _b ‘le barks fom Got of na vei RB: o ra 25% am Far eto arm eop ons, ina inte set at he ale ct" aa fo fare fom Gort, ot da vough ‘hare lamers mae prompt payment othe ar. * be 2K Py 61K Chior sey tra eon sce we et Upto Re 10500 wioRsaso00 pio Rz0000 sere 10000 ‘decraton of he bk ‘Rez lan en ty a Bk) esto to R10 a (ee theed (oon be Hace of eal of ance delined by te bank (Ghie ont bats of ct of france deters by Ds Teche temas sera dooret Amdcearet ‘ic fhe flowing dss rat mate: (geonrevlton oe meat {low revlon ules Bhs revo fe proton ‘hte ein Coton pret ‘Re pot econo ot Was Corie, which fhe long tee otra ‘op mature uth 12 mans shart duabon cop ‘Sop mati ater 12 monte song craton cp ‘Sep mating aun in 6 moet ha ten op saab. Which fe flowing. pao eet wpa vances in prety sec 7 Bary ateee fo trmar Pig asronee fo fame Boe keeping avare fo famer ‘grncs 8 apo business canes Ne dues corso seal esta banksin cose of Spiele pore for an aunt ups 25000 » —Resoo00 pe sconoo 6 ralreques Ia cop loan i sven under tsp arangenrt, he colts evi nattobesbianes alan ips Rete be RSE Rese 3 Rablec In cose of agttnce and ogo business eontes, whch of he ‘otowingls comet tantoand projet per nvivalcan ba Re.20 lac (Bante be carted as dec apreuture advance oromers magn s 8% {erly upto Re lar clara secur rain to beak, Sen seo aprox scene ops under gov. sonened Schemes se lo be cro wn y banks ~ Tue Fale. Fodhottehan Connie fle to ral indebtedness = Tre / Fah EP Evan conmos ese peta en ace ae Sve ae { Ranguaon Connie ress osgcatr nn procesures. Tree Fle ‘Wer and marek covered under PM Fal ins Yojrs~ Tue Trae ‘The poet costa Axclnce a agro business conbes sens Fe zblas and grup Re100lac- Te Fal “Th comeonta subay srount 30% ofthe pret ost nal esesn Aches schema — Tue Fl {Ean under Ag eles are ago Bushes centres canbe repaid ‘50 yeu Tua Fae Koc Seheme-2012 hich omer group elgble fx KCC, At Farmers © Indie / Sore beowers who a omer fuse ‘Tenant emer, ral Lessee & Share Crepers oS kdSHGsr Joh Listy Gious of Famers incr tenant fame, Shareconoes Fa short em cr ea in cage of ontop inayat, he card nt fo thet ea tats scant he ln Scale of franc «ata under ealtnton* 10s obi fr pt ave + 20% ea, nsurares ce scale of ance x tea under eaten * 20% oft or pos: farettte® 10% repos stance cleo nance aea under eubvatn + 20% off or post haryatets* 20% fo repar, rane ee ‘cal of fiance x area undo aatan 10% of i for post- Nanette» 10% tr repa,neurane ‘The KOC scheme tnt fr 298 and eteeqet yeas isto be snconed on wich te olowing basis? 18% year Bit 05% fat or ech sucess yar upto year ‘yack 10% of tnt or every sucess year up lo year ‘year tnt 20% cf ito every aussie yor up 35 yane 1 year+ 20% tov aueestne yar up Yor ‘Tho long term an Hn under KEC to be sacfoned Of Be proposed eveetents rng. lialyear bat yea fst yoo 6 Syear patos Ft maria emer, a fe KCC nt to be sntone Win te ‘alow args s-20000 ns 10000 20000 oR. 50009 Fe too0o.Re sea ‘Re foo eRe 00000 Valety pees of te Koc ‘maxim yes mona years Uae ‘Seal ance or KC sha ey wth! he fovng Stl Lave Ears Conmtee District Tectia! Contes NABARD Bank conered For shot tom crop Kars, ietst subvert & avaiable tom (Govt of Ina tv RB, fr ano to Re ond ‘3 a rncinsracner ora ‘acinar interest te fom ameris_% Re2ie, 7% Rabe 8 eae, 76 eas nace WHE IT Tati TH2 IcRO & SMALL ENTERPRISE LOANS 0+ incase ota moo ete, hs rasa emer pla as roan eet 2 Re‘oien Raasiog & Raasie Raasio: ¢ Rela Rel 4“ Reaseens oe {2 cate ofa ena nop, he ma vestrntn pat ans tachiay eee meade 2 Reolec Reso Raat R200 €RasOdle Raat ue @ResOole Re s00 be 2 cate oa mau epee marin eset apt tniaciray Re Einegupnent he 2 Ratoer Rese. Reser Resto. Re fool Reson: 4 Rasonian Reson {ch avrg he ving are ot a es mie “dea sor renee 2 apmienons| ont onpores t toamonbanes fo aatrad and water areprt peo frst ere 05 vested tn eect ct 2 maneceg ety 2 psuton ait ¢eseton ect tery se oS fa al sn etarieengaps noir se Sangh vest ca SE Orpen 88 fan Oe sowed kan opto Rev te ded oo MSE ‘Smee 2 Soto ter wine o gecce wbksser sy earl ian adam etutes, engages going sens king te Fete ctr ao par SME Deelgrat At 2008 cane tlvediot UploRa_ tobe caste MISE since, pions ter SpioRaser spoke‘ Sy reat ian {ier oe flowy comet wh regard o oan appeaon Sapna ieae cl ona med eto ‘pio Re 2500-2 ee shore 25010 po Re lac — ees door FSi ord p to R08 wets ak dacton Wheto he toning nt cana colors exompon ‘nese en om natn poe relat seat freon pio las Colter seoy canbe exerted bers Up to R28 en {podbot cna In cate of CGTAISE gurantn, colar nat be nen fran ApioRezeee kin scant ol te be ejecta snp because of on- Saye nesorty ‘ih faving i cor whe to unum ot ano ‘cena medum eteeaes Wand TL mice esepie mara a25 be Wo end Tra erterpe masa R.200 Wend 7 fo modum entre =u £0 bo WO and TL aed toed a cmon laa (SDB Scheme) o lise tole Wat nce wh eae ott ef mize, sa and inedmeapese {rans aboe Re. tanks have decane et ome Sows ferleans pos. Rol rato exceed SPUR inet mst ave tet late 1 perl intrest roars p19 R200 ad byod ta penl ETS a TET RT ai At‘erestcarmebe mor tan 1%, Registration nih Dep of ids of Sine Gov conor ceo ie enterprses sat erect reso ears save sty redom eteprse manual & rducton Wen of he owing isnt coat fran asanees under MSE len canbe slowest aunt thang eston there no meno en be oan aout fl strane gare’ To unis KV sector are pat of ico entopise tare oe tne ‘Wal the mama extant of nett nn machin for ‘ais: Re2soae Rea0oiee Res0olee Re780Iee Re 000 be CCOFTAISE Gunranteo Which areng the folowing tenowe" sot elle or COTANSE guarantor ewan sig rir & ona etre Tre sctwaeiny ‘lect aciviiee ncae of gt clnes end aguas cones Rahabitaton of 6S uns vere unde OOF ‘med enetses aang ina wp to RS25 8e ‘iat tue fr ac arnt of gre cover unr COFISE ‘patties schon {br romalcases 75% of balnce on data of NPA max 100 as formic elopraes, th mars 1001ae for waren nd NE epon he maxerum is R10 be and ony siocal {1 Which one dose not math out of he foawng wih regal fo ‘matin guranee cover tage fot MSE: 865, Re 25a for lana up oR Slo. 79%, 3730 for fans above Ric vp ta RS lsc 50% for amour above RGEO lac up oR 200 ae abe oma cere tefl axe R10 6, tore ofthe tore Incase womin & NE regan account, he guranie covs 79% of sun of deat suet orm of Re 37.50 la for icons pt R50 ae 20% of aroun of dtu sutectYo manu of Re 0 fc fo leans pF 00 ae 0% of amount a elu ebjct maximum of R40 orleans wproresoie 20% of set of defor suet o maximum of Re. for ans epiors top. Which is comet wah ropa to sandr ate for guarantee f68 psyatlefocan gurantee War CGTAMSE: foroan upto Re to woman mit eters and a Nerten Eso sates =075%, {or loan up Rela fo women, mio enipee anda Notre Esso sates 0.05% for ean fo ete tan women, mic exteprie atin Northern Easiemetates = 100% renee sore ‘Avani untn SIs on het supps_ of producson ror mere til unrtsing 50% 3% atlest 0% rekmoze ha os rane fe above ‘hich f the folowing condtons ae not caret for @ unit to become eligi for COTAISE gure cover lean amour upto Rs.200 ae loan sould not be secured by colteral eeciry or 3 party astanise Presta ota be mere han BPLR + 1%,rene ole above “The bank can invoke COTAASE quran within __, acount as steady became NPR orn fom conten oon ‘ete of #8 monn, axa bat NPA below ep tok Speroe 4 yeas, 8ronis ‘Emon, 8rmants samen 20s 2yeges. 2 yea Which of he ftoung i conact wihrogard to te nom to be ‘Showed by CSTAIE tx paentof dam aru Teo he clam approves by COF tbe pad win 30 dy ng i ntareat fo aed ped lark ae be pals ‘ance 25% tobe pal afer 24 moet oon eevee en ‘nance 25% foe pid ater ancl of eon proceeds by thetane and sande inch of the flowing stoners Is not coat regang conse? ‘cante fespysbe when doande by COTUSE sonal guarantee of rome canbe otaned I guaran foi ot pi, ark ean make ate payment wou pms of CTGMSE renee above Ih cove of recor ater recat of can fm CGTANSE, the ‘eeoverd runt wo be wes or tepayment of blace aroun of ban an tmaing the recovery expenses ad ten sharing on apa bls tm a prcsia asso. 7525 pr agresrentbetwwen he bak ard COTAASE {ons to medium enlopsor under MSME are pat of pron tector Te False Barkha o spf = usar in CGTUSE win 90 dys om (ats fenton Ts Fase Fg of recover su lean stove Rs 80000 Is mano GoINGE pusrotoed tans Ts Fae (CGFISE gurento cover or SOIT upto 6O% True fle 1a mas Para Pacer aN ‘Standard te of composte guartee fei 075% pa. incase ot woman erates fn upto Re ae Tee Stand rat of composts guaarive fe 36 pa, fr NE eae lear uses by CONSE Tre tee a atonal Et Fund Wt iran ant fares pn ne bo 28% oan amount 28%atthe proc cot at he on acu Sars of project cost, tha madre hat al mary me assistance under Natonal Equity Scheme: = aioe fe ashe fetbie ¢ Ra.25te Berk aconed Tot Rr 5 an 981 rpc conto. 20 Se Saznce a ocsve a arn fon porte fed ua SB Naor! Eqty ard What ma an We wat NEF fo this project? = Rs. 75a being 25% ofthe amc of he an Ditefnce beta the maxi b be provid by the borower # ani anh projec cost sae 10% of poet cost E70 (25% of project cost Feisc\e. 30% ofproaet oat ih Be oun esis of onl Eat ra SIDA rotcorect bie new and eisig SSI unts eee Projet ost shud rat be more han R25 oe ‘compl nods of uit hed i by one bank none fhe above Under NEF. what not comet wt be arin ng raga maey (ef aan) ‘ssasot ean {te 28 otean amount ‘maximum sro of sch mag sR. 10 fe "repayable in yes nce moran upto 3 ea ‘Eo ORE GTN ag TE{7 What is the maximum amount of oct oot fo obabing seston under Nand Eu Ft Fs.25boe Rs Sole Ra 75lee Re t00 lac Laghu Udon Crest Card Whats me maxiram amount per borower under Lagu Usa eal crs Re 2h Re. aise Re Sloe a: Re colee ‘ie ee er Lag Ua crac Sandu! ute Professional and set epioyed ‘Arisons& ea vars ‘ay the stove who havng east conduct coe ‘hata 3 yea : A Loghs sr cat care vaio Dyes b 3yexs ayean &Syeus Whats caret inh context of he entent up o which Leah ‘hart Carsean be ses rmaxmum R 0s ory In case of cardolerengoged in sale of gods, 20% of the tumor, on Incase orclessonals 0% of ges came, nly alate core In LUCC, erst int for MSE Is sarctoned at SOR of srt {nove Tm Fale InLUCC, crete ptesnal eed 2 60% of gos anuct ‘come Tie Fate Ints of be reconmenaons che Pine Minter Tek Face on Mio, Srl and Maaum Ertepses (Chatman Sh T KA, Noy bas are io ative 8 yesroryear gow in credto rive ad smal ears Tare oohaced eed ow, 25% 20% 18H ln ms of ne recommendations TK A Nat Task Forc, te banks feta ati s amu growh nranbere nice ene eotnte led nk capa sbsity of 15% of cost of plan and machen. ‘or MSE fr fciology upgataten © vale he flowing ‘aoe stead termioa amounts up oR. 100 macy cetisup © Re 00 ae Projet cot upto R100 ae notes above oETo - COREIET TIN tog 147‘Prim tasters Employment Generation Program (PMEGP] Bepolns corertuton (, margin) in PMESP os pecan rot coat ‘ey gee categry and apes etegayptsons ‘Say general esegery an epee etegary toronets {0% by goal eategay and 5% by spec caleon toroners ‘tay general esogry a 8% by spc estoy barons Rate of susan urban aes in PMEGP 98 pecertge of baet ast, "Sr generalestegry and speci clear parsons 25% to general eager) and apecal sega pers ‘ifr general catepr and 10% tr pei calegay person "fr general esegry and 25% fo pci clog prson Rae of sutsiay rsa areas in PHEGP is pororag of feet cat [tor general sage a pei catagry pears 260 for gararalealogy ae seca ago persons 25 geeral exer ad 3% fer pei catego pestons Sor general eaegary and 2% fer pec clog pstons ‘Weich of te floung is covet in respect of pet cast Pale: for manuacuing unt R25 le. Fer serveausness uns F.10 tec for manutacuing unt Re fe, For sess nts R10 {or manlactng unt R25 le. Fox savcabusnas unis ROS {of mands unt R25 le For servcebsness units Rs 25 Ps When of the floang scorer wn rogue ety ctr for Puede: gs cf nde shoul be beeen 18-25 yours ‘Heels no neame cei ere ‘evans stlabe peas we a ld unit fin eaucaton iB pas fhe cos of poet above R10 Bete al ype of ut. ‘non of he folowing fot caret regan the magn moray (tse) lb ep bank os ranierest FOR for year noire! can qual o arent of sted alowed Sona Dan by o be redid to customers acount a he end of 3 yaar {he lean becomas NPA te amount belly canbe use a the fast yma Tahich o he along net cect pang he Marga Ney (suse ais calm subsiay on te tas of project cost approve in sanction ithe ecu capt expenstre over, te sus wi te educos onprovatatais, {avert wring capt rts not ae prescibed, he posta ‘iby be returned KV ‘i arent of ube Is able i alcaes, De poet sun ‘ees Ropayant ote oan under PMEGP canbe made a unde. 530 years wih a mrsaum of6-18 morte 1 37 years wih mooi reseed lhe eof anton 3 years wih moat rested atthe eof sanction 195 years wih moot precede tne of scot Te vilage estas per PMEGP isthe one vier the invest Perea of line ean or wera esbceato. Fess lam any teas Fe Lads plan a yeas e180 los pon and lnc hn teas F100 focnplan and AS 1.50 chi areas For the purpose of is schome the rt seat eo area (9) (sued a ilge revenue rcs (0) desores by Rl) > town even, poputon dos et xced 20000, aioe otconee| Sera ony erect src onl corect, de on comet Under PMEGP —_% of the margin money (eubsity) projects ols be om rT arse oom s% ~ 3m Under PMEGP, coir secs canbe taken In which of the {slosng cases {fe ret oles loan at fest R10 las for business and ube To i SENET QTR Ea 1‘ec upon {he poet iches an teat Dn or ety upone 1 ho petioles ban mace than Raid Hsnoss, ‘nds or sevice puapoee he pj inches ean tas Ree endl sone PMEGP ste mega vron of cd PAR and SGSY scheme. (eat) {Govt sists be ated Brough KVIC ih PUEGP (Te nly ane pron tom tay eb fr toeioann PEGE ‘nd tamty luis pares, "Eorover and eps o), (rors) Nalonl Rural Lived Mission (NRL) ‘Which of the fw ane eg, 93 Boros, der Nort Rural Litied isin RA? SCIST woman and rn SCIS wanen woman at hap gous SOT andranSCIST man aryottnoshove Under he Nona ral vce Wedon (NRL) seme, (1) ‘he women set lp rep iso cose of 105 pone (2) nase 1 speed SHC a. groups mth acu areas, ope wih ‘sated pero, a runs fomed i remot bl oes, the umber yb a minim of persone a mania 20 potas (2) Ont geups fo be foned wh persone wih desis ae ‘her fe topos tke oe, ane gene, NLM wl have bathe andvorenin Be stp ges, ail sateen ae comet ‘tatamant ard 2 ony are cot tenon and 3 ony re conect Sttonont any corect Under Nana! Rua Neto Mision (NRL, to sterahen el ineblaoral ard arco! raragarertcapacty and bud 8 ‘ocd ce sy win Be au, Be Se Heb rd I vod Fovting tnt Fes toooo Reaonn ‘oon Rs 10000 to Re. 1600 beter Rs 1000019 R.20009 Wha tthe amour of cap! subi avtate under Nationa ua hetMond Mss (MRL sohone? 2 Shernawaise 0% br seta group a eres capt sus is vate ‘Theres suerton avaltis under Natenl Rua Lelhood ison (NLM) sero othe eck ™ & teen tehron lenge of be ark and 7% The iret subvert caval under National Rua Leloed Mision (NRLND# he arcu oF ante women sl he up Isretictedio Rs, "ada ftset tom borers Rete, 7 Re3iee Radte. om Resiee 5% ‘Adstorl erst sutvention is avaible unter Natonal Rus Lvetnoos vison (RI) fo rome payin cf he on women seep grup at _"%, wath bags fhe eflecbe le of iors zen a aa ey in ‘comecion wih he loan aeaatle under Natoral Rul eins ssn (NRL, wk one ving doesnt math Frat ore 48 tines he proposed cpus dng the ear os. ‘5, O00 weber he Second dose 5-10 bes of existing cas and ropsed saving ‘rag th ex ete mene oc Re la, tos Nh “Thi éose! Mnimim of alos, Betueen Rs, 5-10 lakhs for ur aos andor higher n subsequent ces. The Yopayment ped fr he ban under National Rul Lielhood Meston (NRL): doesnt machin whist long Frat deca 6-12 mene Second ese: 12.24 mont, ‘Those btveen 2 years i montyquarey hat yearly Fou cose omar: between 3 years martial Yeatyreisinents, Under Nations ral Livlncod Msson (NRL scheme, what is ‘oun flea for ih no eae eran tbe akon ‘GGT ak T ETON any TYRezbe Rese Retobe re colar be ones ‘Nona Urban Livehaad Mision (NUL 28 Wie fhe alone toes ol earealy slated in Pe cone ot Natorl Un LvlRond asin 13 Woman: 30% © ScIsT: 40% © iret abled — 256 {moet eomeaniy 15% 27 Which ote folowing sstemert i core regan eel under atonal Urban Liretood Maser: (1) subs 25% of ret cost ‘rat R 5000 (2 For erent sus ate fest fom baronet 157% (3) maxim exer of best subedy 2% (rest ‘uta ie eqal a erence oo rest area baad a 2 1,2and3 b tzane4 ‘ 2ena? 2endd 28 Unt Netoral Urban Lethon Mision, aor intrest uly I bv fo poet payment Pra which one cared ut fe faa 12 prom peyment subs is vate or women eter ey 1 prone payert subi is rable a 5 BOWE paymort aang whan tha due arcu i epi win 0 faye fw amet ease ofr oan 4. oun talace not mote han he sanconed tor OP 128 The projet cost rer Netoral Utan Leto Wasi (NRL) ae offal torones reste ‘3 Resmuo b Rete © Redbe 4 Resi 30 Unr NUL, wich of he flowing statement is core egarding ‘epojent prod ard mortem pares: 2 repayrent pode 7 year and moraterism as pr bark decreton repayment pero 07 yes and mortar 8018 months repayment pei So 7 yrs nau 6 18 months 4 epayment period Sto? yor and mrs as pe en iceton 31 Whi of te folowing requionontrlg to seine Soup Tambe’s NUL set Sed corey SHG to have minmun 8 members witout any ceng of he minum 70% members in @ group shed be tom ban poor ‘Smee © SAG ested unde: SIS stores a ele 4 roe estore 52 en fe loin coef scot ad anc oan San gun, nr Nationa Uta von son MUL rinmun poe at sR 10a naka eal ret Cones 20% nag a imu poet xt R10 an bank on eal poet {eaten agin Gece by oe bai 2 mam pj coat # Rea bak an i. ‘Satine 20% margin oe ‘Taxman pet et R40 a an bank an ei ret ‘cost less margin decided by the bank. = 133 eh ofthe foun caret ad ah cove of otal iy nrc NLL rocatahal tr oon up oR 01> to ctrl ros up oa le Colter canbe cand at een ta bark nis an cov eligleoe under CORSE puree |M Unde Nora! Ute Lette Maen, th cg ub stared betveenite cone andthe Ses te raboeh tasers + mm boc mad wa DRI Schone 35 Wats eine tara cove ofl gy fasin utara anda ta perora vow pore ne falco nr Seaside 24000 inrbon ea 2a rls an 000 an ‘Whats eto an alsa under DRE ‘esr cy up R000 Sto R00 at ater ono desi persone Fovsng oan te Re 20001 SST orn Ano Yoh 15 aa ror ‘Gio ORE GUERIN THate shove Wats the moun oss, margin oe teen OR: sbay~ 15% p= "a nest 4% for an pf Re.S00 an stove that arma rte ‘otatgin and subsidy andra tas ‘Ropayet pea! nO Syms mores at? ye ‘Joa inate of msdn po 2s. ae sea {aren eacnecoruae o a SELF HELP GROUPS Wich of the flowing type of books re at requ tbe rained by he St Help Gouge Which of he tabvna ype of restcon not inposed onthe araaly above pve Ine parsons, jh 8 86 hep gu of below poverty ine poor ‘herbert exceed 20% (30% exraptonalcsee) ‘hey at bo ed or sty they ro become ofc barr oe grcup ne the ative ‘Thera. of members oa blow fovery Ine persons HS ina 5 and max rico 1 ea 20 Inirn 10 aman 25 Fo minuyad max 20 ‘in cave of SHG i dot tea or sparse poplaion areas or yekolyhendeapped pasos, ona montero bes Imaimar 5 ana imam 10 and max 20 ‘iar 10 nd mae 25 ‘omninum and mae 20 ich fe feng statment snot caret regan sl hey oor $e camet emo hon oe rene om eal fearing dctoncreges thrips xs teh Sub manson Feo ences ptt ap ‘NSH Soh real esos nhc hod bole fers wat ety tt ey Haszetn ote ge fer bn arc, be opened bye py, al be ihm aot use pth sa ee URE an CHENR TON ay TSwo ‘he saves be gap aba, canbe ued ye gop © So ennge oe son lent ments sgt tm pe ot ‘anys aioe forth Snore A eapety ting sope, 2 settelp group can be aowed ten telly mh cat fanny The ey “moun 52000 per merbor 000 per peop 1000 per gu 1000 pr member ‘Anewere 24 fa 7b es Ge 2% ‘CREDIT CARDS, HOME LOANS, PERSONAL LOANS nace car, th pt fest ea rot rnges rm ‘epecng up be poly ofthe cad eave date 20a ‘Osayste so dare Ssayst0 50 aye 204eys 075 cys 8 er RBI une for Crd Co operation, the et card fan bess by tas ory rar-tank france companies only ‘al nd ony Bots, an ark ance companies ‘Theatten cad means fhe scion arurt alowed on 2 credt card to mest tregenaes ‘aio! card gen tog wih the cg ad 80 atthe ‘don cat cold be set aha ie mepiaced the substi car tat can be sed atthe dcetn of the ‘tcl card flee on which the hb wl be of he gal Gaaetsr ‘yale stove 1a cst protests / utes ay Bt ner a cad card, the tare soul pr © rey eence tm ‘tin ne oak bone tnt orementh 6 Moment ‘he repayment pod of housing rates lana l¢ hes by the banks i ange ot > 1$20yea 8 ease Epa Gvey. th msn peed btn 200 go 2 Th rn pr of pone ane tty bak, ne ange a Syeore b 35yea € 2a} a tye mst Gana, he epeymtped edy anksa35yar, 7 The loan t valu rato for 8 hone loan up fo R820 Io, 9s pus by RB 2 maT ‘ETO Bat TET TING TP ay TST= on ae ety er menntne massa = == a eee ee ee Seatcae einen Saini or ae mike mae 24 a % DOCUMENTATION ‘The bank tances malta a dosuments execute roger! hla the pariuars oe socuments wich te creed ‘etnen he bark ade borowas. a ened hs Pe pose ot uch rege [ensure that oman docu i orcad ‘o ensue Sat al rolvan documents have been exeuted Brepet {oman recat documents whieh have been executed ‘ocreate spina face evden ! eer of document Cand \Who wi sgn cunts n beta ne company whe ating ‘ean ‘Aorsad ofa! whose name sented he elon atleast 2drectswhareican Rs War and above None tte above Foran execton ofa ders an paloton can b ved ‘nein ee years ‘tin 12 years Fom date of decree ‘Wien te year one of stove In case documents have been exscuod cud Ind, te ‘ecumeats mb peoserea er regaraon blr he Feit ‘of Assurances, afer or acai, Four mone ‘Tce monte womens cneyew None otto above ‘ignatures, en oor al ‘Stat tom dle of 2h prt payment made win aon petod {latin pesos wi emi as such tation pee wb eendes (o)and(chabove|Aton ceieta alow stemlaan of 181 ptertio fa ort sted ne ton oe ptr. Row tetanus scone Sgn ofa mn ceed ‘hora sgh tinea fun othe ror agnon mines beat tn ataing apy te te an doen wi be sa by {force ion ttre sorwstth abe Truose peste he comms eal fhe conpry so be staedonibe coven Srietlanageg Diner NGtapra Greer reine Ooo othe cong, cee ishaateseainhs paxenon sipatad ol pesca cf Bertie fayette soe Noe fthe above ‘rebar mnt enue athe daca ae shay Trebor tn ows he cocrers saute trond inn eto pote Natsonedio bso ne toes Slope craton eter shoud be tae tine Altres Tater asa copes of elon dois Gavattn to atoes toe he sane bong cote Serve gen fnyate soe oneal sbove ‘il rir en parr fens he documents shou oe Sco Sige parr Ai be pomes m btthe cneces, ily 26 Wel satya oe ‘fone peor ate proud the fm stan agetaalclbon Siyatne sme Merete stow ‘Nene auorest was sored by fe bret any ‘uy'pad on Peageanert wo ot adouse. Te ap Sortemain up edneqary, we pemason Scie ef ore Oa Byres lncucties Dept ofthe Site Conpatnt ue aetbe made goo ter on “The eso ras an fo bank in @ comoany shud be passed Inrmaetng ot Boa of Oreos In Armua general most ‘Twougeteustce anyotte stow None of aboee Dane an ogee dere af oar cout an appeal bere Hh Ceurteanbe ted wth Sears soy aby odors ‘can has o be recovered on he bass of» usaoe Bi o 2 promsary rte, In such ease th ped of ltion eae oars to Date ot cebrsonont Dos eo or nat Date of aa ts fea pay Nene te above Ie witn acknowledgments not propa stamped Ils rales forth bane [va ag biiig an exenion in itn par bu, ‘teat ed ont eng, Nez the ton wal be endo nor oud becom an - ‘noe Sance Nanette above ‘documents sned by be borower in Gur (veracla Tanguge). Whe aang te oloang woud be rete fo be bse bythe tak 2 35 ret fae ary prelate: ‘indemnity fom Be Brower reas wich may tse at 2 ‘sar stage let fom the boone hat he woud net pat he exaeton {the docuens on Ser fom the orover ia vemacdar language at he “norton cata of acum when elated oh and ‘ensign 160 rar FACE OF ‘RET sah OLECHE TE TN inp 161‘cca bye bark fa dl wines, that he contents ‘the dora wae 298 ot nd erplsnas conse Snvespect of ocuens sige ty an severly he bank can ‘Shot ecure nthe coun se 3 ay one it separately ‘ALerany ate above fate deen ofthe cout Ifavocumertnes oe exeodedin ent States adit aac ‘Samp dy a5 et Site Sap Ack the document shou te sap est nthe Satin which is fie emcited an eestor Ml not trac ay exe tap diy inary ter aes eco Sale, ers he sate Ute exontats, atmos woul be purtased fe derance Sid afte comet aus abe, Tre dosent net govt byron Sos at 1899 (Cont jurscon) are ‘reoryrotes, bi of echange, cheques, Hundes Ueto of eta bl ag Ue otc, snr, eben (Guarani band rps deed renee bore Franch among teflon nsturent, be aunt of tmp (hy can be sone niet Stee promssor rte birotenctnge rey reel ‘pare dees See A poston callad Me, ¥ nas rca 9 sum of Rs, 8000, fom ‘nthr person MK Xa tw vale of stamp ty wae wl ead on fe ony tesa soa rw make ie mane reo. ‘egy? Res bea Rea a Ret Nave ofthe above (fsa Bk Lined ges cotain oan documents exsuted fom uric sates of one of er arouse at whe geting them egred he acestesamgs ae nar oss ened he ‘recurs or toy ae cance. Wht kind of ecesony there lan documents ‘ne eocurens are propery treo thar ine defen Soe decureats Rave been signed by exhorted spt, ro ‘etceney Stee dotueis have been ext on pope fom, ther is ra efceny Shao ts stumps hve ot ben canceled the oeunents woud betes a unstampes dee ‘oan ogremet tng sed none Sit is tape wah uty at te, ight than the oe requred nthe Sia concerned. ‘ate the decent to be ened other Sit 360 where the samp ay hgher han he fore Site erence fy wl be si regis tobe pa nthe 2 the cay aes pid and te rogues duty in he 214 tte shoud ft be equal ithe dry teagan ae pr the rt fr 2% Sta, Tales payment of dye nesses any l he above depending use he docu fare ofthe above Your trach Fad senctones a oan to a partreip frm and isbased tar exeoton of necessary" documents. Subsequent), ding ho procees ch mpacten, was ported ‘uly he rapecor hat one te dotnet under stared, Wee taneh marae hat dovoment prope slapd Under ‘such cumstances, wa © Ue apaopise auhery ‘nog the flewrg fom wom he dilaton col be soup lunaty of Law Cowal Gort ‘Ste Samp Aton Canter of Stamp Buty Steamy one bawe ‘cout of law can ait coin documents a8 evisance ar Bayment of stamp day along wth pany # pera by 8 rpetnt ashary. Which ofthe folowing, ineamped ot tartrate ete even ta ing pena bitetexemroe Te a rr ACEO ‘GEE TO aah ICH TPE ETON Cain 1Teall be used especie fhe fac that the ty ower or her foe It col be ated upon, fl stamp dt 2s sptcale ora wl be required be pd ean ot be usesas thes been erouadin J 2K ‘Uns wie ofthe flowing ercumstnces, st ct payment IShotrequresto be made ona usaoebmofersange? ere tb bls ete tvugh baring company ‘ere he usnos pes fe ie rp tess tan 80 ays ‘ere the bias been iawn fra genuine ansston ‘tere th ied wth Ry the base ‘he strp cy cote on the demand pons byte (Govt nue, wich among te elon (Cnet Gow Cental govt ad State gone rato of 5050 Gent gov. and Site gor. inthe rato of 7525 ‘Stale Gow. ‘Shale Got a Cntal Got in the ral o 75:25, ‘An teat barr eatral acknowledges a Geto writ bt ‘au is bunbimpressen cnt Lraten gtd wi be extended by ths ston must be unr gnats take ais ‘stamp ofrane canbe ated ree See ‘Wheto you understand bythe pad fan: ‘Ate prod wis we a pan can enforce i legal gis rough acout Pnoveraah it Untot te documentation frad ing ic esate it hal va eit None ote stove “Theta has ben ue owe mae baru ny an one cf bam mates tha pot payment of aon auton Taaten pos In tis cee lation ped wi oe ‘tended aponst tat borrower Extnged apenas Netenendng None he stove Wah among he owing documents whan executes bya bank (any of te estore favour of Bak or ater, as ‘Sree sp ty oxuing he Sao 8K) fret ses feos Prom Later Leterofrest Promsory ate Money rect ‘Adonodgeran of det ‘inch document aut of the flowy does ot requires regstaton it Ropar of Assurances? Heraape deed Soi deed ofan movable rary Laas ded fr poring above eat ‘Gunes coed aioeabove A fem wats open acurert over acour wih your tanh ‘nat wil be Be vale of slam hey wi ave acon fe Joon document sSanagreement sade ‘ameney rapt ‘Sa promisoy rate, ‘8a usce bl of ecbange “The saping ofthe cocument shal be dona Before ing Ate tne tigihg ‘er exaciton| (Glor(above ‘Tames ued docurertaton ae ideal Nena pahaave Tet ain rneois PcEEF E ae a EET ETE aekeeccegesscs 4 a . 6 ‘Cancels ai None ofthe abe Your branch sends ta of acknowledgement 1 ne of yout texters who acknowledges is IY ar he Toa, bu he Fresh ita ed il ta tom date ot cknoegent Llc wl oma unto Uta vl bo fort paramount one tasis of euch achrovedpement recover canbe mage None fe above For Termlea he po often es years tom: Dat of ocumens Dato eat Data saneton ‘Due dig ofeach intanent (hte ofcrautt exh natanant In case te sit ocoataigd ter te exp of ritaon toe atom pot wl rence by rete: Be yeas om his at ‘tered soto lee Yar hom ds of pty ‘ener yes atte exes Nene ote abe ‘ls payble on demand. stato par tart rom Dasoet eb Date ot eran ‘hes of oat (a)or() weer earier Nene tte abo, Ite serowedgeerts in wring unde fl sie bt tis ny rapt he dott ‘helms vl be exes forthe pat othe tt LUnitaton ab exes for who ha oa Reaocugeaocupance geaccegeaces None ote stove Ie Bat pai of det is made though a chague sd te cheque shone, the po of mitten oul Getestersen event cheque ot pal Not ete Boor ove None oft above ‘An aloud dt ane ‘cca he aby wing rama poy ‘czeging lal an promising pay ‘syottre kore None othe above Far lean ovata, he limiston prod empes ate. ‘Tree yeas tom di of dead ‘Thee years fem dof cient Thee Years fom dt of anc ‘tocwhchereiseaner Nene atthe stove | ‘Ance bit exchange dad gst 12, 2001s poate cn ‘month afer ate without daye of grace on ts sept on ‘gust 16,200, Wali thet dy when est canbe dn, cout of awa por roo of Latent Sept, 2000, Sept 22004 Sept 8,004 Sept 16, 2008 ‘Sept 19,200 iat se mtn aria fr demand oan: 3 yer tom ato oeuenis 3 yers fom ee of ora 8 years Fem deo taut ater demand anyetbe ow Dende, whichver eater By folowing eh of fe along methods, th Iaton pot ‘ofa documen touts become ts bated coud be eese ‘ang an acnowledyonart ef deb fom ths borer Incudng he eutorsed apes, Sut cted fer ht prpoe {pat payment ofthe det under egnatres fhe brome or ap conate!atarey ty otating fee seta documents by fling ast eompetn court stecabore ‘BETS ECE TE TON ay TEPInch cd aan te pit natn tree ye, Scantestom ue odes Dae ct earcion St ema Srl at he pares cra he unr roneotte aoe {Car ward ara noe Me Ra Kura cn be [Seanad onan nt 80 orang te lounge a tnt finan ma coat ‘Srtrcnme tony, see Roar tle py fast “rom 30) etd 2,8 ct dne ony 2, 2006 Soya sadtatore Ree ave 2 ‘What she tne pao of iiaon i case of svg bank o foc, t CS, a aentren pigeons Eameer ean i saaeenas* 4 a a ‘SEGURITIES AND CHARGES PLEDGE & HYPOTHECATION The lege i defined ut. fn Const ct im bore 4 ° Plsge ond hypothecaton aire a) posession in pledge ‘a wes torover 0) comer in case of ypamecaton twit he bark, slo in pledge can be. wi cout pemmccan (eb ‘yetnecaton is Sethed as por SAREAESI Act Wheh of Rese caret he > ace ony dS dany con ne pldgoe want to she goods accoring to the poisons oo 9 ‘he lee hs fo gv 2 reasonable ote to is ef tthe edger ‘Theme ent necessay {hen th ne of aucbon hl spend, he lege wil to come to ow Note of stove Incase those fas oeranetr he possesion ofthe gods ein torent fy eed ad fe goods are caane,sccrdng fo Seon 161 of ian Coneset et see would responsible foros, tony lear would bo spone fr ss. ay Godonnzeper wos be esjonale drage woul boo Be scent toto them equal ‘fer the conversion of typethecton to plge the bark wl types In case te lodges ines he goods edged, contaventon of {ion othe areren andthe lego ots bss, en Plea nel al be response ese ladgoe wl be respon ft oe Bot oftem wot be eepareblsin the ra of 0:0 ‘GET a THE TREOou shal oi aso whois able "eur ranch hae lowed an oven agahet stacks bth stocks xen wit a 7% party waehoige. One decten fhe ernest as acon hate socks eal [ear on teal athe tone Such an adtanoss esl Fone of hse a hss vances spt warehouse recaits {he edge sas he goods accord 0 provioneoeeton 178 ak cou na recover he ere sma he los, What shoud be done oreorer he emsring pt tbe oan ‘Thepledger canbe held spose balou amount ‘The pled il ave oe sea wih at ecovery aly otro em nl be ed esponaie None ofthe shove, 2X2, smh obtanes ons against shares in te name of ne the pater. srt paying he ean and bark wants fo ast theloanbyusng ihe shares ich the folewng carps he shores alae Iypobecston > pleige ean signer 6 Seta On fa repament fo eon oth ledgoe wha se ight ofthe these fe psn had el te gon fr ono ie tos 7 oy Saar sett soph hee etoge as ‘moey in cove the pipr repaid he oan in fu afer be ey of he ‘ale ped bl bel Be actual se he gat, ha has 9 ‘gotta be gods hs possesion ‘ie steve ‘en bank bes ino possession. ary sacuiy fr pcr ttc a nd rr ate bn, tr "gl para fon on 9 Scaty Iga generlen on such ery Ig a repatvelen on seh scary Alle sore Banden ‘As. pledge, he bank hs got he falling it, per an Contact A 170 amr macnCL OF MDE Us 173, to keep the gauds iy possatson forthe payment Praises ard maisnane expenes Ls 74, retain onsen feos fr fhe on ae oto any ‘oe ann generatiere acon! tthe contaty {a pedgee ius extananayespanees rh pean he goods, hes era Io rome such enpeses, Alte above ‘ete the gods under sedge aren te ocesson of he bark ‘and possesion sera bythe Govt fr toon ft {tase wil be gen abe Gove ‘Ss aryl be geno the Govt afer econo bank ds tale proceeds wi be shared ously Beteen the far an he wea se wit gen eGo and ups wil bo wed tank iene tater Anime nitude wiht geod r deci eo gondte naa owr a tavernas ‘A ener der ih boro! Fepy bs pssst of {Petar dasa of spots ant ote of once Srmatm An hme under whch Hoge is efatre een ater ne delivery of the goods | a ‘Aithesioe (peat ee dren Canc or ‘ravets of Property a Nope ars et Scutaion &Recosivson of Phan. Aas and Econ of Seay mest A 2002 ge of es ows 8 rte Hove of Sedo ts bn Conte hee fae oe ee Fawnos ¢ agree ‘matgagee Bank sol shares pledged wt unr an agrement tthe bank can set the streswthout res tthe pledge, One cf Heh (outs held the sae va cause ‘This was noted nthe grecert ‘Tis agree vas spine ne prov of tho Act ‘Tih agrenmere vas nt eect wih he perms of eco None oft stove 16 eT TOS Ea) TH18 ged ate damaged when tase sein he posession of the tare 2 banklobear be oss 2 borowerto ber he es 2 Seana somowereuay tae ess 4 eanchad on aon eae, bar rot ate and bank was regen bans ate 1a Trechure on movate ares witout posessen bbe creates charge own a ten sige 2 Morgage 4 Hyponectn 8 aoe a Aer be conerson of hypetreoson io plge the bark wt fave the ame igs alo 2 pares Motgeoee Peder 3 ypaecsee © Hypatector te 2a ee ita ‘aa ye tea ASSIGNMENT & MORTGAGE (1 Tae morgage tar beon dined uso Taner of Property et . 8 ar . 8 4 8 = ti tooving customer of yore warts orale uate matgage in taaure fe tank, Wie ofthe feoairg tua cae Segue metgage? ‘2 Roanbe rele ory resped ot pope wich peti. ean be cenod wen Sepst of te doe and no relatos redes ¢Gopootf te dod ie made wt an etn sce soa 4 iebropry towne the le deeds et shoul be oetadn a ‘oun nae bye Sate Cov ‘¢ plate where geo s ented shoud be rtd place See propery cant easly mongepe oo bans byte ‘bonower (True / False) Y noes e ‘nanorola mangos ans ‘Nrrgope oer tar hone ve ertoned nb fet ‘Sorgen nhs er ee pce ‘marge or one Teganon Ratt taken pac wih Aegon. Pose ‘Seach prt oma gl coined gon tat ayes a oye ieee o soyeor an ec by moro rma opr eye én dovand For patton ones sana be borwrer be ito pei ie Tes yer fom ctf ese of merge deed yeas 2 ya am dt fh an Epon ctor of alnrg morgage ct reque o be epeed ith Regstarotacsunces Exusherngose Sipiongone Eran aero Utinniay tue ice fate Pot ince of egtae mengne te marge hou tsp ay ‘Sorento’ ua my aes way ute ie ocson ‘retooe ue Foe) ‘corpry, bot 2 Doren your Branch has ces an ciate mangos Tne ogo un Seen acho ogenin Reger of Coveanar Regu rake dy nr Navequredbnng oe motnos equ ometivs wen mesoanun cf depoe ibis Sande reroute conpoy shag eves pet naga fs ‘egereotce min cheaa ad Beco wy srl nk imtsnitnts, Wie be eqltenatage wie ceaad Barge ohana wna! paroles ace Cheval 8 Mumba Banga tata oid ce ‘pn TEES Boe oto aa RHETT TP any 8