Case Study Question Option 1 option2 Option 3 Option 4 Correct

answer
A Literacy camp was organized by your Behror branch in Ms. Mamtha does not have any OVDs. She can’t open the account, as KYC mandatory for opening She can open BSBD small account She can open the 3
rural area. With the help of panchayat and pradhan of Few weeks back, she had applied for she is not holding any of the OVDs any accounts without providing any OVDs for full account after she
village, branch could able to assemble a good number of Aadhar. But not yet received the same. as per direction given by RBI. KYC receives the Aadhar card
villagers in the camp. Ms. Mamtha, an illiterate resides Can she open the account?
in the same village, also attended the camp. She
understood that she can open account for saving and Which is not the features of BSBD Restrictions is there on number of Basic classic rupay card Maximum 4 withdrawals in a month All are correct 4
future requirements purpose. She met service manager account? deposits will be issued and beyond the permitted limit at a
of the branch to know more details about SB accounts. cost of Rs. 15/- +GST per withdrawal
Please answer the following:
Ms. Mamatha, wants to know more BSBD Accounts where no charges Small Accounts where no Regular SB Accounts where no Either 1 or 2 4
about the facilities provided in the will be levied on charges will be levied on charges will be levied on
account and the charges applicability. deposit/withdrawal of cash, deposit/withdrawal of cash, deposit/withdrawal of cash, issuance
She wants the account with minimum issuance of ATM, transfer of issuance of ATM, transfer of ATM, transfer of money through
basic facilities without levying any money through RTGS/NEFT of money through RTGS/NEFT
charges. RTGS/NEFT
Which of the following is incorrect on balance in the ac shd not exceed All credits in a financial Balance exceeds Rs. 50,000 or the All are correct 4
financial restrictions for BSBD small Rs. 50,000/- at any point of time year do ot exceed Rs. 2 total credit summations during the year
accounts lacs exceed Rs. 2,00,000/-, further
transactions should be allowed after
updating the KYC in the accounts
She wants cheque book facility in the No cheque leaves Only 10 Cheque leaves 25 chq leaves, only after getting 25 chq leaves in a year, 4
account, what is the instruction to issue request from the account holder only after getting request
cheque book under this product variant from the account holder
(Sr. citizen and diffrently
abled persond only)

Mr. Nagraj aged 35 years is maintaining banking How many co borrowers can be added 1 2 3 4 3
relationship for the past 15 years. He has requested for for arriving the loan eligibility
availing home loans for RS, 50 lacs. His NMI is rs. What is the maximum loan amount 48.80lacs 50lacs 52.32 lacs 55 lacs 1
eligible for Mr. Nagraj as per EMI/NMI
90,000/- and his existing car loan with EMI of rs. 3000/-.
Per lac EMI is rs. 860/- and EMI/NMI stipulated is 50 %. ratio
Mr. Natraj has some queries on availing home loans What is the secondary CIC report Experian crif highmark equifax CRISIL 2
applicable in this case
What is the maximum repayment period 15 years 20 years 25 years 30 years 4
that can be extended to Mr. Nagraj for
availing home loan
What is the maximum age for availing 55 years 60 years 65 years 70years 4
home loan
Mr. Kiran is working as a sevice manager of sector-14 A regular saving account opening form All the KYC documents need to be Self attestation by applicant Both are correct None of the above 3
branch, the branch has received some account opening is returned with the reason not attested. attested by verifyiing official, which
forms returned from LCPC. Kiran allotted the work to What does it mean? is not done
Abdullah, Junior Associate. Abdullah is having following A current account of HUF was returned OVD of karta OVD of adult coparceners both 1 and 2 are correct Either 1 or 2 3
doubts for which he is seeking your replies. for obtation of OVDs. What is your
response with regard to OVD for a HUF
account
Account opening form of village document showing name of the Copies of the OVDs as Non obtention of any of the documents None of the above 3
panchayat is returned. What might be person authorised to act on behalf proof of identity and shown in option 1 and 2
the reason? of the entity address, one recent
photograph and PAN/Form
60 of the person holding an
attorney to transact on its
behalf
Abdullah, Junior Associate. Abdullah is having following
doubts for which he is seeking your replies.

A sole proprietorship account opening

Any two documents pertaining to KYC of propriotor not both are correct None of the above 1
form is returned for the reason required
proof of business activity in the obtained
business related documents are notname of proprietor firm shall be
submitted. What does that mean? obtained like registration
certificate or CST/VAT/GST
Certificate
Who is responsible ofr submitting the all the account opening dealing service manager field officer branch manager 1
account opening forms to LCPC employees
Ms. Malti is newly transferred to Shantipeth, a semi Small accounts with balance exceeding small accounts must be upgraded convert the small account small account must be closed, and obtain full KYC 4
urban branch. She found certain deficiencies in updating rs. 50000/- How to rectify the same afetr customer's consent into normal SB account and normal saving bank account must be documents and convert
CBS data. Kindly guide her as per handling compliance customer to be asked to opened after proper checking the small account into
matters and risk mitigation. submit full KYC in due normal SB account
course
small account opened prior to 24 Obtain full KYC documents and small account must be small account must be upgraded after after intimating the 1
months continuing without converting it convert the small account into closed and normal saving customer's consent customer, open small
to BSBD/regulat sb ac. How to rectify normal SB ac bank ac must be opend account and close
the same? after proper checking BSBDA
Small account where credit summation small account must be upgraded small account should not small account must be closed and none of the above 2
is greater than 1 lac during the last after customer's consent be closed and notice to be normal saving ac must be opened
year. HOW to rectify in case such issued to customet for after proper checking
accounts are opened following the terms and
conditions
other saving bank deposit ac under both accounts may be allowed after opening BSBDA after opening BSBDA account, normal both accounts may be 2
same CIF not closed after opening of after permission from AMLO account, normal saving saving account to be closed within 60 allowed after permission
BSBD ac. How to handle this clearance account to be closed within days from Income Tax Deptt
30 days
Non government organisations having open current account and close after intimating the after taking RBI approval, open current none of the above 2
business or trading activity cannot open the SB account, no intimation to customer, open current ac account and close the sb ac
SB account. How to rectify in case such customer required and close the sb ac
accounts are opened

There was a home loan campaign and Mrs. Chatura, What is the maximum repayment period 10 years 15 years 25 years 30 years 4
branch manager has interacted one of the customer Mr. in this product
Ritesh. He is employed in Infosys for past 2years and What is the minimum age requirement 18 years 21 years 25 years no minimum age 2
present his age is 24 years. He wsa in serach of availing for this product stipulation
the home loan for rs.50 lacs. During interaction with the what is the benefit /USP branch concession in the interest rate no cibil criteria quantum of loan will be calculated none of the above 3
customer, Mr. Ritesh has asked certain doubts manager has communicated to Mr. 1.20 times more than the applicable
Dinesh for choosing this product EMI/NMI
What is the minimum repayment period 10 years 25 years 20 years No minimum period 2
in this product
Which is the suitable product that can SBI Maxgain SBI reality home loan Sbi privilege home loan SBI flexi home loan 4
be marketd to Mr. Ritesh
Ms. Dipti sharma, BM of radha nagar branch was among the following, which is not a looking adversity in the eye….and avoiding the people whom being a sourec of energy that lifts understanding 2
approached by Mr. Krishna Mohan. Mr. Krishna Mohan positive attitude? laughing you do not know those around you relationships are more
politely explianed that he is in a delicate situation and important than material
did not know how to explain it and requested ms. Dipti things
for her help. He explianed that his neighbours family what is being focused In the above coordination self discipline networking skills positive attitude 4
went on vacation to patna and today he received a call case
from a stranger that his neighbours family met with an which of the following behavioural making the customer wait in the finishing her work first not listening to the customers issue obtaining hospital 4
accident and all of them are hospitalised and they need aspects reflect positive attitudinal spirit branch before attending to the carefully account details for direct
to deposit rs 50000/- for treatment. the stranger told him shown by the branch manager in this customer transfer of funds
that he can send money to his cacount so that he can case
withdraw and deposit the same in the hospital. Though identify the positive attitude behaviour Explaining the customer to send asking Krishna Mohan to calling her friend in patna and asking demonstrating various 3
he was ready to send the money, he was not sureif the expressed by Ms. Dipti funds online do a google search for the him to find out about the genuineness methods of funds transfer
call was genuine or not. He reuqested Ms. dipti for help. hospital details of the case as explianed by the available
Ms dipti immediately called her colleague in one of the customer
known branches of patna and requested him to send which of the following are not Integrity gratitude acceptance aggressiveness 4
somebody to this hospital and verify the facts. her friend characteristic traits of positive mindset?
responded quickly and in 15 min confirmed the facts and
Ms. Anuradha is maintaining a saving bank ac with Ms. Anuradha wants a personalised
Neelgiri branch. She is an employee in state govt. She image based ATM CARD WHEN SHE
availed Platinum debit card and INB facility for her APPLY FOR A new card next time.
banking needs and using them since one year. She Which option in INB can be used by her
rarely uses her ATM card for withdrawal of cash from for this purpose
ATM beyond Rs. 20000 as most of her transactions are Ms. Anuradha is facing difficulty
cash less. hence she want this platinum card to be receiving OTP while doing transactions
replaced with classic card to reduce the risk (lower cash through INB and hence she does not
withdrawal limit). Ms. Lalitha, associate in the branch is want OTP verification for small value
guiding her about ATM card services available in INB. transactions. How can you help Ms.
Anuradha IN THIS REGARD?
No such option
OTP (high security alert) is
mandatory for any amount of intra
and inter bank fund transfe. Hence
we can not provide any solution in
this regard
My card Debit card Special card 2
Advise her to set high Advise her to set high security alert as Advise her to set high 2
security alert as NO. Then NO. Then OTP is not required for security alert as NO.
OTP is not required for transactions upto Rs. 25000 Then OTP is not required
transactions upto Rs. cumulative in a day for transactions upto Rs.
10000 cumulative in a day 20000 cumulative in a
day

What is the amount of ATM cash
withdrawal, customer can do using card
in ATM without second level of
authentication be means of OTP
Which of the following options is not
available under ATM card services in
YONO?
Any amount as per daily limit of Rs. 5000/- Rs. 20000/- Rs. 10000/- 4
the card. Only ATM PIN is
required. No OTP is required
Request new ATM/Debit card ATM Pin generation New ATM card activation Link debit card to another 4
account

Mr. Sashank is a junior associate working in a Tapas If an applicant does not possess an Yes no cibil criteria Yes, small account can be opened yes, regular saving 3
semi urban branch. In order to increase on boarding of OVD and PAN card whether an account account
new customers, branch manager of Taps branch has can be opened?
contact principals of educational institutions in the area small account shall remain operational 12;12 6;6 6;12 12;6 1
and could collect good number of applications. While the initially for a period of ………months
applications were handed over to Mr. Shashank he which can be extended further for a
raised follwing doubts. Please clarify period of ………….provided the account
holder applies and furnishes evidence
of having applied for any of the OVDs

What are the features of a small The aggregate of all credits in a The aggregate of all The balance at any point of time does all of the above 4
account financial year does not exceed withdrwals and transfers in not exceed rupees fifty thousand
rupees one lakh a month does not exceed
rupees ten thousand

What is the document to be obtained OVD application OVD Self attested photograph all of the above 3
from the applicant to open a small acknowledgement
account
Which among the following transactions IMPS/NEFT Transaction Foreign remittances cash deposit cash withdrawal 2
is not allowed in a small account

Mr. Vinayak is a newly joined junior associate, he has CIF is required for which type of only deposit account holders only advancesaccount only those customers who avail locker all those who are 1
been assigned CASA counter. He has been provided customers holders and safe custody facilities maintaining any
with atarget of opening 5 new accounts per day. On first relationship with the bank
day when he met some persons to canvass for account viz. account holders,
opening one person asked Vinayak whether havingh guardians, benefiacial
PAN number and email id is mandatory. As Vinayak is owners, power of
not confident to reply. Next day he decided to attorney holders,
understand about various requirements for account guarantors etc.
opening and learn various aspects related to CIF Under due dilignece which among the Photograph email id KYC documents All the above are 2
creation and enquiring the following questions with you. following document is not reQuired for required
Please reply. creation of a CIF?
which among the following is not a Mobile no. First name Last name Date of birth 1
mandatory field to be filled for CIF
creation?
which among the given data will be ID number Date of birth name All of the baove 4
carried forward for CIF creation from
CIF search screen?
PAN number and email id is mandatory. As Vinayak is
not confident to reply. Next day he decided to
understand about various requirements for account
opening and learn various aspects related to CIF
creation and enquiring the following questions with you.
Please reply.

What is the screen no. used for 70660 70600 62001 620001 1
creation of CIF
Mr. Ratan has taken admission in one of the local Which is the product Mrs. Ramya SBI Student Loan SBI Scholar Loan SBI Skill Loan SBI Global Edvantage 1
engineering college for undergoing B tech course. He explained to Mr. Rajan?
approached along with his father for availaing for What is the security insisted by Mrs. NIL as it can be covered under Third Party Guarantee of Immovable property where the value Liquid security where the 1
educvation loan. He has submitted the fee strcucture for Ramya to Mr. Rajan? CGFSEL govt employee should be 110 % of the loan amount value should be 100 % of
4 years to the bank. The cost of fee for 4 years is Rs. the loan amount
505100. Mrs. Ramya field officer of the branch has Wheteher the loan can be classified Yes, can be classified as Priority No, as the project cost is All the education loans irrespective of None of the above 1
briefed the features of the product. under priority sector? sector more than 5 Lakh the loan amount can be classified
under priority sector
What is the margin stipulated under this NIL 5% 10% 20% 2
scheme
What is the maximum reapayment 15 years excluding moratorium 15 years including 10 years excluding moratorium period 10 years including 1
period under this scheme period moratorium period moratorium period
Mr. Amod is a central Govt. employee maintaining salary The feature of spend analysis is It is account wise spending pattern It is CIF wise spending
Customer can choose the period This helps the customer 2
account with SBI. He has come to the branch for closing available in YONO. Which of the pattern week/month/quarter in understanding
his gold loan availed a year back. In the process, Mr. following statements is not true about spending behaviour for
Manoj, associate in the branch tries to explain the this feature? better financial planning
various services available under YONO nad its benefits Which of the following payment options By scanning the QR Code for UPI Using account number and Using UPI ID/VPA ID Using the MMID of the 3
to the customer, in order to convince him to use the is not available in YONO? payments IFSC code benefiaciary
YONO application. Which of the following options is not customer can email the statement Enquire the transaction Customer can filter the transactions for Download the sttaement 3
available under transaction enquiry in a particular amount
YONO?
Mr. Amod wants to know about opening He can open e-RD account He can close e-RD He can avail overdraft against e-RD, if There is no penalty for 4
of RD account through YONO. Which of through YONO prematurely without visiting required premature closure of e-
the following statements is incorrect branch RD through YONO.
about e-RD.
Which of the following services are not Customer can request new Customer can Customer can close loan account Customer can transafer 3
available in YONO? ATM/Debit card activate/deactivate SMS without visisting branch his SB account to other
alert branch without visisting
branch
Rajnikant has transferred from bhilwara to Pune and he Personal accidental insurance product depositors and borrowers as well SB account holders sb and CA holders all depositors 2
is working it IT Secrot. He has heard about a Personal is available for
accidental insurance produt available at SBI for all which is mode of payment for personal bill payment after approval of cash depisit at branch debit to their SB a/c payment through net 3
account holders. Please answer his queries about this accidental insurance merchant in online banking banking or credit card
product. all resident indian having 12 yrs t0 65 yrs 18 yrs to 60 yrs 18 yrs to 65 yrs 18 yrs and above 3
age…........can avail personal
accidental insurance
Persoan accidental insurance cover is accident only death only death due to accident depends on the variant 3
available for selected by customer
Premium to be paid in personal one time lump sum annual monthly quarterly 2
accidental insurance at which
frequency
Mr. Bhargav is newly promoted field officer posted in the which one of the following purpose is MarginMoney requirement for HL registration charges of Project price escalation none of the above 4
PBB branch. Mr. Bharath has approached for housing not the purpose of this product? house property
loan. There was some deficit in margin requirement for what is the minimum and maximum loan min 50000, max: 20 lacs Min:50000, max 25 lacs Min:50000, max 50lacs No min and no maximum 3
HL project. Mr Bharath has enquired about anyway of amount in the above product
provision to meet margin amount in HBL. the track what is the minimum age requirement in 18 21 24 no age stipulation 1
record is satisfactory and RSM for HBL is 45. this product
what is the benefit if Mr. Bharath avails Nil margin no minimum CIBIL score benefit for interest portion in IT 24(b) None of the above 3
this product? stipulations Sec 80c principal
which is the suitable product Mr. SBI asset back loan SBI loan against Property SBI Realty Gold loan SBI Persoal Loan 4
Bhargav can market it to Mr. Bharath
Krishna kumar a 65 years old customer is visiting our Empathising has advantages. Choose it gives a better understand of it will help you deal with it will create more conflicting situations Empathy invokes 3
Gandhi nagar road branch to draw his monthly pension. the odd one among the following? people conflict easily and challeges in te organisation empathy from others
He is carrying two passbooks in his hand. Being the first
week of the month there was a huse rush in the branch What is meant by empaty as per your Empathy is form of comminication emapthy is getting the work Empathy is science of influencing Empathy is the ability to 4
for cash withdrawals. As the other customers would understand? techique done others understand and share the
object to cutting the line and approaching the counter feelings of another
directly he wasforced to stand in the line for drawing his
pension. he was forced to stand in line for 15 minutes.
on reaching the counter he requested for updating his
passbooks as he wanted to know the balance before
withdrawing the amount. the sWo refused to update the
passbooks saying that there is a separate line for
passbook updating and he shd go and get it done from
there. the aged customer became helpless and was
again forced to stand in another line
Krishna kumar a 65 years old customer is visiting our
Gandhi nagar road branch to draw his monthly pension.
He is carrying two passbooks in his hand. Being the first
week of the month there was a huse rush in the branch
for cash withdrawals. As the other customers would
object to cutting the line and approaching the counter
directly he wasforced to stand in the line for drawing his What could have been done to make provide internet bankng facility issue tokens and arrange provide out of turn access to the aged provide them with ATM 1
pension. he was forced to stand in line for 15 minutes. customers like Mr. Krishna Kumar for a nice and comfortable and disabled so that they are cards so that they can
on reaching the counter he requested for updating his complete their banking needs in hassle seating area empowered to complete their banking complete their
passbooks as he wanted to know the balance before free manner? needs transactions withous
withdrawing the amount. the sWo refused to update the entering the main
passbooks saying that there is a separate line for banking area
passbook updating and he shd go and get it done from How to cultivate empathy? by being biased with customers by mainitaing negativity by avoiding feedback try to put one in the 4
there. the aged customer became helpless and was shoes of anaother
again forced to stand in another line what is the issue being discussed in the lack of coordination lack o discipline lack of cooperation lack of empathy 4
above case/
Suredran is maintaining his savings bank account with what is the minimum amount of monthly No minimum amt 20000 25000 10000 1
turuchi branch. He is also using yono applicatio for his credit in SB account for last six motnhs,
banking services. One of his friend mr rajan who is also required for the customer ot be eligible
a customer of SBI has availed a loan of Rs. 110000.00 for PAPL loan in YONO
through yono app without any visit to branch. mr. what is the maximum period of loan for 6M 12M 24M 36M 2
Surendran wants to know why this facility is not provided which PAPL is available
to him. mr. punith, associate in te branch is guiding Mr. Mr Sundar wants to know about his he can login yono application and he can send an he can visit the branch and enquire any of the above 4
Surendran about the eligibility for this loan. please anser eligibility for the above loan check for notification SMS"PAPL<space>XXXX" about his eligiblity
the following questions. to 567676 where XXXX is
last 4 digits of SB account
no. to know his eligibility

what is the minimum amount of loan No minimum amt 50000 25000 100000 3
offered under PAL in YONO?
which of the following is not mandatory a/c shd be KYC compliant a/c shd be in single name the SB ac should have at least one average qtrly balance in 4
to be eligible for PAPL through YONO? credit every month for the last six SB a/c for last 4 qtrs shd
months be above rs 100000

Mr. Ranganath is a salaried employee and mainining which of the follwing is not correct the customer shd not have any minimum existing xpress minimum residual maturity of xpress satisfactory repayment 3
CSP a/c with Sagar Br. He has already availed xpress about the eligibility of pre approved existing top up loan credit loan limit rs. 1.00 credit loan 2 yrs record of at least 1 yr
credit loan of Rs. 5.00 lacs for repayment period 60 m. insta top up loan through YONO? lacs
the xpress credit loan a/c is regular and having residual what is the maximum loan tenure under 60m 12m 24m 36m 4
maturity of 14 month. He is very urgent need of money pre approved insta top up loan through
for some domestic expenses. he has approaced smt. YONO will be offered to Mr. Ranganath,
swathi, an associate in the br for assistance and seeking If he is other wise eligible?
information abt pre approved insta top loan
what is the maximum loanamt that mr. 1.00 lac 1.20 lacs 3.00 lacs 1.50 lacs 1
ranganath is eligible under pre
approved insta top up loan through
YONO, if e is otherwise meeting the
EMI/NMI stipulations?
which of the following statements is true he is not eligible for pre approved he is eligible for pre he is not eligible for pre approved he is not eligible for pre 2
about mr. ranganth's eligibility for pre insta top up loan since minimum approved insta top up loan insta top up loan since minimum approved insta top up
approved insta top up loan residual maturity for existing since minimum residual residual maturity for existing xpress loan since minimum
xpress credit loan is 24M maturity for existing xpress credit loan is 18M residual maturity for
credit loan is 12M existing xpress credit
loan is 15M
what is the validity period of insta top within calendar quarter from the within the calendar qtr from within one month from the date of offer within two months from 3
up loan offer? offer the offer the date of offer
kapilesh is a senior associate handling a/c opening in which among the following is not an driving license passport aadhar card Voter's Identity card 3
Budva br. Due to some medical emergency he has OVD? issued by election
applied leave for 1 week and due to acute staff shortage commission of India
all the a/c opening applications received in the branch An a/c can be opened from which of the through online Through YONO app(Insta SBI in-Touch br All of the above 4
ere kept aside and after returning from leave Mr. following options apart from br Digital SB a/c)
Kapilesh was trying to clear the pendency with the help channel?
of newly joined junior associate. they both were which among the following is deemed utility bill which is not more than property or municipal tax both a and b job card issued by 3
dscussing following questions. OVD? two months old of any service receipt NREGA uly signed by an
provider officer of the state
government
kapilesh is a senior associate handling a/c opening in
Budva br. Due to some medical emergency he has
applied leave for 1 week and due to acute staff shortage
all the a/c opening applications received in the branch
ere kept aside and after returning from leave Mr.
Kapilesh was trying to clear the pendency with the help
of newly joined junior associate. they both were
dscussing following questions.

which of the following is a mandatory Pan card form 60 boath a and b eithere 1 or 2 4
document along with OVD?
what is the full form of OVD? offilne verification document officially valid document officially verified document offline valid document 2
Preetham singh is a chief associate, working in what is the full form of KYC? Know your client know your customer know your compliance know our competitor 2
Dehradun cantt br, recently3 new JA are posted to the what is the primay obejective of KYC, to prevent the bank from being to prevent the bank from to prevent bank from being used for to prevent the bank from 4
branch and preetham singh is advised to give in branch AML/CFT policy? used, for accepting deposits doing cross selling remittances being used, intentionally
training to all of them. PreethamSingh started training or unintentionally, by
the Junior Associates from KYC Policy. During the criminal elements for
interaction the following questions are discussed by money laundering or
them. financing of terrorism

what is the full form of FATF? financial action task force foreign accounts task froce foreign active task force foreign acconts test force 1

what is the full form of PMLA? preventive money laundering act preventive money loss act prevention of money laundering act prevention of money 3
launderer act
what is the full form of CDD? corporate due diligence customer due diligence customer data diligence client due diligence 2
Afjalpur br is a district head quarter br. Hough the which of the following is not a pre- Android 4.2 and above smart Details of debit card linked Customer should have SB or CA with email id registered in 1
branch is taking steps to migrate the customers to requisites for the customer to have phone with internet connecion to the account bank bank account
anytime channels, still branch is withnessing heavy BHIM SBI Pay?
crowd. Mr Verma has recently joined as JA in the Which of the following PIN is required App Pin TXN PIN UPI Pin OTP Pin 1
branch. He has been assigned the job of on-boarding to be entered while doing fund transfer
the customers to digital applications. he has now one in BHIM SBI Pay?
customer with him who is requesting for QR code One of your customers having joint This app is onl for a/cs in single Joint a/c with node of Joint a/c having mode of operation all joint a/c irrespective of 1
payments app on his mobile. He had the following account approached you for registration name operation as E or S or any with survivor clause can use this app mode of operation can be
queries to answer about BHIM SBI Pay. of BHIM SBI Pay. Which of the one or survivor can use this registered
following staements are true regarding app.
registration of BHIM SBI App?

which of the following is not one of the using VPA of the beneficiary A/c number + IFSC of the scanning the QR code of the Using the MMID of the 4
payment options in BHIM SBI Pay? beneficiary beneficiary beneficiary

What is the maximum number of txn No limit on number of txn/day, but No limit on number of No limit on number of txn/day, but total maximum 10 txn/day, 1
that can be done in day in BHIM SBI total amt /day is 1.00 lacs txn/day, but total amt /day amt /day is 3.00 lacs total amt not excedding
Pay? is 2.00 lacs 1.00 lacs
Mrs. Gyananba is working as a chief associate of what is the impact of wrong recording of wrong feeding of bsr code may impact on risk no impact none of the above 1
chambur br. She has be entrusted the duties of clearing BSR Organisation code result in output of in-acc data for categoization of the
prohect ganga errors and verify all the new a/c opening filing of regulatory returns and customer
form and duly authorise them in the CBS. Gyananba hence leading to wrong filing of
took a pro-active step to discuss with all the associates returns
of the branch and discuss about the various errors what is the impact of threshold limit no impact wrong conclusionin regard impact on risk categorization of the none of the above 2
related to new a/c opening. to filing STR on case/alert customer
generated by system

what is the impact of non recording of
proper annual income?
what is the impact if a resident indian
account is opened by picking the
nationlity as ireand
Impact on risk categorization of
the custommer
tax related non compliance
wrong reporting to FIU- Both 1 & 2 are correct may lead to wrong filing 3
India in ground of suspicion of regulatory returns
while filing STR
FEMA related non May lead to wrong classification of risk All of the above 4
compliance category of the customer
form and duly authorise them in the CBS. Gyananba
took a pro-active step to discuss with all the associates
of the branch and discuss about the various errors
related to new a/c opening.

what is the impact of wrong recording of Conversion of accounts from wrong feeding may lead to Minor may open their accounts in All of the above 4
date of birth? minor to major, denial of Senior Citizen major head
after the customer turns 18, will be benefits by the category, may lead bank to land into
impacted system even if they have trouble
become senior under Contract Act.
citizen or early giving
benefits who are
actually not the senior
citizens. In both
cases, it will lead to
regulatory guidelines
non-compliant

The Branch is undergoing statutory audit. Ms Shikha is Q1 TDS on NRO special Term Deposit
coordinating cas and branch staff for completion of (SPTDRs) shall be applicable.
Audit.She has been questioned by SA to verify that TDS
is deducted as per guidelines issued by Government of Q2 specified person( referring to
India time to time. She wants to confirm the Current section 206AB) means
Rules. Please response her queries as under
Q3 Tax is deducted when the total
interest paid/accrued on ……during a
year exceeds the prescribed limit
Q4 Tax liability on interest on Term
Deposits will arise for the year in which
….
Q5 The rate of TDS is higher of 20% or
the applicable rate. Which are such
cases
Mrs Swati is drawing pension from our Bank. Her age is Q1 What is the amximum repayment
67 years. She has approched for availing Pension Loan. period which can be extended to Mrs
Field Officer of the Branch has interected with Mrs Swati Swati
and explained features of the loan. Q2 Where the collateral security is
insisted under this scheme?
On accrual basis every year on On actual payment basis At the time of maturity or renewal Which occur first of I or 4
31st March. every year on 31st March iii
Non Residence, who have a Not filed ITR for 2 previous Aggregate of TDS &TCS => Rs 50000 Both II & III 4
permanent establishment in India year in each these 2 previous years.
Term deposits but excluding on Term deposit including on Term deposit excluding on Tax Term deposit including 4
Recurring deposits Recurring deposits Saving deposit deposits Saving Deposits
Returned is filed Deposit is made Is accrues Either I or ii 3
Non Residents not being a In all cases where valid The declaration filled in 15 G & 15H is Both ii & iii 2
company or Foreign Company . PAN is not quoted by the not valid unless the person filling
receipents declaration furnishes his valid PAN in
such declaration.
36 months 48 months 60 months 72 months 4
It is waived as the she is drawing Yes, Third Party Guarantee Yes, Third party guarantee of an Non of the above. 1
the pensions from our branch. of spouse is mandatory. respectable person of the branch

Q3 what is the type of facility can be Term Loan Demand Loan Overdraft Eighter Term Loamn or 1
considered to Mrs Swati under SBI Overdraft
Pension loan?
Q4 what is the maximum loan amount 18 times net monthly pension 18 times net monthly 18 times net monthly pension subject 18 times net monthly 3
Mrs Swati is eligible under SBI Pension subject to maximum of Rs 10 lacs pension subject to to maximum of Rs 14 lacs pension subject to
Loan? maximum of Rs 12 lacs maximum of Rs 15 lacs
Q5 What is the primary scecurity in Nil Lian on the pension amount Third Party Guarantee Non of the above. 1
Pension Loan?
Mr Deepak is proprietor of the firm and having current Q1 what is the maximum repayment 12 months 24 months 30 months 36 months 4
account. He has some gold ornaments, Gold Coins of wt period applicable for this scheme?
60 grms and approched for availing gold loan. In the Q2 what is the minimum purity of Gold 16 carat 18 carat 22 carat 20 carat 2
mean time the inquiries benefits of overdraft facility and ornaments for availing the gold loan?
other features of the scheme.
Q3 which is the suitable product that SBI Personal Gold Loan SBI Liquid Gold Loan SBI Bullet Repayment Multipurpose Gold Loan 2
can be marketed to Mr Deepak?
Q4 What is the instruction for Cannot be accepted as Gold Loan Can be accepted as it is a Can be accepted upto 50 grms only Non of the above. 3
accepting the Gold Coins issued by the is granted for pladge on Gold part of Gold Loan
BANK Ornaments only
Q5 what is the maximum loan eligible Rs 10 lacs Rs 20 lacs Rs 50 lacs Rs 25 lacs 3
under this scheme?
Regardless of your career or position , good amoung the following, which is not part cooperation courteousness complete correct 1
communication of skills are essential. The ability to of 7 C's of communication
effectively communicate will ultimately measure your
performance directely . The ability to convey information
effectively and articulately can be broken down into
seven C's of communication.
The seven C's of communication apply to all methods of
exchange, through your approch to each depends on
which one you choose- verbal, written , visual or some
other forms. Understanding the verious aspects of
communication can ensure your workplace functions
efficiently and productiverly. The seven C's of
communication is a checklist to ensure an individual is
Regardless of your career or position , good
communication of skills are essential. The ability to
effectively communicate will ultimately measure your what is the relavance of completeness complete the communication is communication need not be when there is a risk of when there is a risk of 4
performance directely . The ability to convey information in communication appealing complete misunderstanding it is better to be misunderstanding it is
effectively and articulately can be broken down into consice than complete better to be complete
seven C's of communication. than concise.
The seven C's of communication apply to all methods of which of the following summarises courtousness must be courtousness must be You should command attention without You should demand 3
exchange, through your approch to each depends on courteousness in communication? commanded demanded demanding it attention without
which one you choose- verbal, written , visual or some commanding it.
other forms. Understanding the verious aspects of amoung the following, which is not part cooperation clear consice complete 1
communication can ensure your workplace functions of 7 C's of communication
efficiently and productiverly. What is meant by coherence in
The seven C's of It is the feedback given in the Creating confusion in the Organising the message so that each It is the main content of 3
communication is a checklist to ensure an individual is communication? communication message idea flows neatly into the next this message
SNS traders is running a small business under which of the following CINB variants Khata Plus Khata Vistar All of them 3
partnership firm. The firm is maintaining a current can be offerred to large corporates with
account with sultanpur branch for their business activity.
his transaction limits?
They make regular payment to the suppliers for which which of the following variants of CINB CINB Khata CINB Khata Plus CINB Saral CINB Vyapaar 1
firm submits list of the suppliers and cheque to the are suitable to SNS traders, if they want
branch with a request for sending the amount through CINB for enquiry purpose?
NEFT/RTGS. Mr Ananad, Associate in the branch is Which of the following facility can be CINB Khata CINB Khata Plus CINB Saral CINB Vyapaar 4
trying to explain the benifits of CINB to the customer. provided to SNS traders to reduce the
risk of erroneous data entry at branch
while making payments to suppliers
through RTGS/NEFT?
What are the mandatory roles to be Administrator Auditor Uploader No roles are required. It 1
created for CINB Vyapaar? is single user products
Which of the following CINB facility can Khata Plus Khata Saral All the above can be 4
not be enabled through CBS? enabled through CBS
Mr Vishnu is identy as service manager of newly opened When a group account can be opened? 6 months after group formation 3 months after group As per the reqirement of the group None of the above. 3
Jaswa Branch. The branch is located in a Rural Area. In formation resolution to open an account.
order to on-board new customers and capture market In a SHG account customer due All the members Only literate members Office bearers None of the above 3
share in the locality Vishnu planned to organised diligence of whom has to be
meeting with all the availble SHGs and NGOs promoting conducted?
SHGs in the Area. After the successful conduct of the Whether KYC documents of all the Yes No As per decision of the BM None of the above 2
meeting a good number of SHGs approched branch for group members has to be obtained?
account opening . The following are some questions What is the the required documents NGOs letter Group resolution Photo of all group members None of the above 2
pondering with Vishnu along with the KYC documents of the
officer bearers to open a SHG account?

Whether separate CDD is required at no Yes As per decision of the BM None of the above 2
the time of credit linkage?
Mr Aditya is working as chief associate and the branch is What are areas under which Customer due diligence Transaction due diligence Document Checklist All the above 4
undergoing with RFIA Audit. Aditya is advised to support implementation of RFIA can be done at
the RFIA Auditor in smooth conduct of Audit. The operating level?
following are the observations made by RFIA Auditor for How many are the functional 10 12 15 20 2
whichj Aditya is discussing with Branch Manager. clasification areas of RFIS?
Which amoung the following is not a The benifical ownwers have not Customer has not been Proof of ID , Proof of Address and Accounts of jwellers/ 1
deviation is external compliance area? been identified(in case of legal categorised as High Risk, Photograph are not updated in CIF bullion delears, NRIs,
entities) Medium Risk orLow Risk HNIs, Trusts, Charities,
while opening the account. NGOs, PEPs, non fce to
face persons to be
categorised as high risk
requiring enhanced due
diligence.
How many RFIs are issued by FIU- 80 60 27 23 3
IND?
following are the observations made by RFIA Auditor for
whichj Aditya is discussing with Branch Manager.

Which amoung the following is not a
common irregularity?
Documents obtained viz. Proof of
ID, Proof of Address and
Photograph are not held on
record.
Speciman singatures are SB Accounts opened for Government/ NOC of existing bankers 2
not scanned and uploaded Quesi Government departments or declaraion having no
in the system without obtaining proper authority credit facilities in other
letter from the competnt authority of bank is not obtained
the concerned Govt Dept and proper (from Current Accoutn
record not maintained Opening Customers)

A new juniour Associates joined the branch . On the first which tier of consumer dispute District Consumer Redressal State consumer redressal National Consumer Redressal High Court 1
day, he observed that, a BCSBI code is handing on the redressal commission will entertain for Commission commission Commission
customer area. He could not able to understand, what is a complaint worth consideration value
the importance of the code. Also, on the same day a of Rs 80 lakhs
customer rushed to the branch at 4 PM and was What is the Bank's commitment on To set minimum standered of To set maximum standered To deal with customers how effectively none of the above. 1
shouting at the branch officials and threatened to BCSBI banking practices of banking practices
complain against the branch at consumer court. He
understood that, for deficiency in services customer can Which of the following banking Banks commitment to costomers Bank's commitment to Banks commitment to non-customers, Both 1 & 2 4
approch consumer court and shown interest in knowing practices are included in the BCSBI MSME per segment customers
more about the Act. He went immediately to the Branch A costomer is not happy with the 30 days 60 days 45 days 15 days
Head and expressed to know something more about the decision/ order given by the State
BCSBI code and Consumer Court Act. Commission, within how many days,
he/she can appeal at higher forum.
If the consumer or any organisation is Imprisonment for 1 months to 3 Provision of fine of Rs Provision of fine of Rs 25,000 to Rs 1 Both 1 & 3 4
not obeying the order given by the years 15000 to Rs 1 lakh lakhs
respective consumer dispute redressal
commission, what is the provision of
punishment prescribed?
Mr Ratnesh aged 40 years has availed housing loan of Mr Ratnesh alon visited the branch on Branch cannot consider the Can consider the request of Branch can take a third party None of the above 1
Rs 50 lacs from our Bank during April 2016. He has 20.03.2020 and requested for availing request of Mr Ganesh alone as the Mr Ganesh as he is the guarantee and allow Mr Ganesh for
added Mr Harish (brother of Mr Ratnesh) as a co the Top up Home Loan housing loan availed as was jointly principal borrower availing Top up Home Loan
obligant for his hosing loan. The present balance
outstanding is Rs 35 lacs. Mr Ratnesh wants to perform What is the maximum repayment can 30 years 15 years 26 years none of the above 2
his daughter's marriage and was in need of money. He be considered under Top up home loan
approched the Bank for availment TOP up loan Mr
Ratnesh is banking with Great Branch of past 5 years Mr Ratnesh approches for home top uip Home top up can be considered It can be considered as it It can be considered provided the loan Both B&C 2
loan for performing his daughter's for only House related purpose can be for any personal amount should be within LTV ratio
marriage purpose other than
speculative purpose
If Mr Harish alone request to avail Yes, he is one of co borrower in No, as the property is in the Both Mr Ratnesh and Mr Harish None of the above 3
Home top up loan, can the request of Home loan name of Mr GANESH and should request to consider the Home
Mr Harish is considered? Mr Harish is only co top up loan
borrower
As per Home top up loan Mr Ratnesh is High Networth Individual Caogiry 1 Catogiry 2 No such clasification 3
clasified under which catogiry
cunstomer?
Mr Sailu approched branch for availing the home loan What is the product Mr Sailu is SBI Realty Home Loan SBI Lflexi Home Loan SBI Bridge Home Loan SBI Maxgain scheme 3
for purchase of property at Malleshwarm worth Rs 80 searching for apart from proposed
lacs. He has one property at Peenay which is home loan
unencumbered one. He approched for availing the home Which is the type of facility extended to Term Loan Overdraft Eight Term Loan or Overdraft Demand loan 1
loan for the proposed property. He has some querries the above product?
regarding meeting of margin and registration cost. The What is the minimum and maximum Mi 20 lacs Max 2 cr Min 10 lacs Max 1 cr Min 25 Lacs Max 5 Cr Min 50 lacs Max 10 cr 1
Branch Manager has explained the product features as loan amount in this product
per requement of Mr Sailu What is the eligibility for availing the The unencumbered house/ flat The unencumbered house/ The unencumbered house/ flat and None of the above 1
above product and intend to sell the existing flat and intend to sell the intend to sell the existing home / flat
home / flat for meeting temporary existing home / flat any for meeting temporary shortfall in cost
shortfall in cost for aquiring new personal purpose other for purchaising another residential
home/flat than speculative purpose plots only

What is the maximum period of 1 year 2 years 3 years 5 years 2

repayment?
On day SM Mr. Jogindersingh observes that a person What is being highlighted in the above Importance of ATM card usage Courteous behaviour ATM card sagfety tips Alertness of the staff 4
has been sitting in the banking hall for last 15 minutes. case?
Mr singh approaches him and introduces himself and
enquires whether he can help? The person introduces
himself as Mr. Nair. He says that he has received his
ATM card, but does not ahve PIN. He is also very scared
of using ATM card and wants some help. Mr. Singh
offers him help and they both go to e-corner outside the
branch. Mr. Singh helps Nair to generate PIN and
demonstrates use of ATM card, He also gives safety tips
On day SM Mr. Jogindersingh observes that a person
has been sitting in the banking hall for last 15 minutes.
Mr singh approaches him and introduces himself and Considering the context of the caselet, Gently enquiring Comforting the customer allowing the customer to find out right Friendly behaviour 3
enquires whether he can help? The person introduces find the odd one out? time to go to the counter.
himself as Mr. Nair. He says that he has received his Which of the following is is not an Complete Cooperation Courteous Correct 2
ATM card, but does not ahve PIN. He is also very scared aspect of communication?
of using ATM card and wants some help. Mr. Singh Courtsey in message can be Developing the NO attitude Developing abiased Developing a personal attitude Developing the You 4
offers him help and they both go to e-corner outside the communicated by ______? attitude attitude
branch. Mr. Singh helps Nair to generate PIN and What is meant by coherance in It sit eh feebback given in the Creating confusion in the Organising the message so that each It is the main content of 3
demonstrates use of ATM card, He also gives safety tips coimmunication? communication. message idea flows neatly into the text. the message.
Mr. Vinod is a State Government employee maintaining If Mr. Vinod is eligible for Pre Approved Rs. 2.00 lacs Rs. 5.00 lacs Rs. 8.00 lacs Rs. 10.00 lacs 1 (5% of
salary account with Pritampur branch for last 18 Inta Home Top up loan through YONO, the limit)
yeazrs.About 15 years ago, he had availed HL of Rs. what will be the maximum amount of
40.00 lacs for 20 years term and has been regular in loan that can be offered to him?
repaying the instalments. Now he is urgent need for
money for some domestic purpose and approaches Ms. If the existin HL is availed by him jointly Yes. Existing HL account No. He is not eligible. Yes, but with deviation approval from Yes, but with deviation 1
Vinita, Associate in the brnach to enquire. with his wife, whether he is eligible for customers with maximum of 2 AGM. approval from DGM.
Pre Approved Inta Home Top up loan borrowers are eligible.
through YONO?
What ist he minimum loan amount that No. minimum amount 25000 100000 50000 3
will be offered under this product Pre
Approved Inta Home Top up loan
through YONO?
What will be the maximu term for Pre 60 M 36 M 48 M 120 M 2
Approved Inta Home Top up loan
through YONO offered to Mr. Vinod?
Which of the follwing is not the Fully disbursed HL with HL account and repayment No instance of HL account slipping to Minimum exisitng HL limit 3
eligibility Pre Approved Inta Home Top satisfactory track record of 1 year account should be under RG-2 or further in the past. of Rs. 10.00 lacs with
up loan through YONO? or more same CIF. INB faility.

Mr. Arjun is Central Governmetn Employee. He has Mr. arjun wants to know about RD He can open e-RD through YONO. He can close e-RD He can avail OD against e-RD, if There is no peanlty for 4
reapid his Gold Loan account with the Bank with regular account opening through YONO? prematurely without visitng required. premature clsoure of e-
EMIs. Now he wants to invest that amount of Rs. Which of the following statement is the branch. RD through YONO?
5000.00 p.m., but does not want to visit the rbanch for it. incorrect aabout YONO e-RD?
Mr. Manoj, Assocaite in the rbanch, explains him YONO Which of the following services are not Customer can request New Custoermc an activate/ Customer can close loan account Custoemr can transfer 3
application available in YONO? ATM/Debit card deactivate SMS alert. without visitng the branch. SB account to other
branch without visiting
the branch.
The feature of spend analysis is It is accountwise spending pattern. It is CIF wise spending Customer can choe the period week/ This helps the customer 2
available in YONO, Which of the pattern. month/ quarter. in understanding
following is not true about this feature? behaviour for better
financial planning.
Which of the following payment options By scanning the QR code for UPI By using account number By using UPI ID/ VPA ID Using MMID of the 4
is not available in YONO? payments. and IFSC. beneficairy.
Which of the following is not available Customer can email the statement Enquire the transaction Customer can filter the transaction for Download the statement. 3
under transactions enquiry in YONO? a particular account.
Sola is a SU branch opened about 4 monhts ago. For which of the following, customer For establishing an account based Carrying out transactions Carrying out any international money Selling third party 2
Recently, Ms. Mahalaxmi and Miss Navy have joined the identification is not required? relationship for ano-account based transfer oepration for a person, who is products for more than
branch as SM and JA. BM asks them to take care of customer i.e. walk-in not an account holder. Rs. 50000.00
pending KYC work and backend work relatin got custoemr, wher amount
onboaring of the customers. Ms. Navya wanted to know involved is equal to Rs.
about KYC guidelines. 25000.00
KYC/ AML CFT policy has ___ key 2 3 4 5 3
elements?
Which among the following is not a key Customer Acceptance Policy Customer Identification Risk Monitoring Maintaing of transactions 4
element of KYC/ AML CFT policy? Procedures

Expand UCIC. Unique Customer Identification United Customer Unique Customer Identification Card None of the above 1
Code Identification Code
Based on Risk management, cusomter 2 3 4 5 2
have been divided into ___ categories?
Mr. Pankaj and Ms. Pooja are newly joined Jas and are What are the additionald ocuments Passport and Visa copies, duly Passport and Visa copies, Passport and Visa copies, duly No additional documents 2
posted in nearby branches. They are dsicussing account required for opening an account for a attested by self. duly attested by India attested by PoA holder required.
opening requiresments for various types of customers. NRI? Embassy or notary public
Please clarify doubts raised by them, or banker.
Whata re the required documents for a Prrof of birth date of minor. Photograph of guardian Whereever PAN of minor is not All the above 4
minor below thea ge of 10 years, whose and KYC of guardina available, Form 60 to be obtained,
account is operated by parents/ which shall be signed by parent/
guardian? guaradian only
Whata re the documents required from KYC documents as per regualr Deemed OVDs Parents KYC documents Date of Birth certificate 4
a minor above 10 years, who can sign requirement
uniformly and wants to operate teha
ccount singly?
What additional documents are to be Copy of PIO/OCI Card issued by Copy of relevant pages of Copy of marriage certificate Any one of the three 4
otained from PIO and Overseas GoI. passposrt of parents or establishing the spouse of NRI/ Indian
Citizens of India (OCI) for opening an grandparents, establishing Origin
account? them as NRI/ Indian origin.

What is the procedure to be followed
for opening of account fo a Politically
Exposed Person?
Gather sufficient inforamtion on
any person/ customer of this
category intending to establish a
relationship and check all the
inforamtion available on the
person in the public domain.
Branch should verify the Branch should open such account with All the above. 4
identity of the person and approval of controllers.
seek information about
sources of funds, accounts
of family memebrs and
close relatives, before
accepting the PEP as as
customer.

Mr. Idris is a small vegetable vendor. He is maintaining a Mr. Idris has 4.4 verson Android mobile Yes, it can be installed on any Yes, Minimum operating No, Minimum operating system No, Minimum operating 2
SB account with XY branch and lives nearby. He is phone. Can he install BHIM SBI PAY on smart phone. system requirement in case requirement in case of android phone system requirement in
finding it difficulty in accepting payments from customers his mobile of android phone is 4.2 is 5.0 case of android phone is
due to small currency shortage. He seeks advice from 6.0
Mr. Mohan, associate in the branch, regarding QR code What is the maximum transactionlimit 10000 100000 50000 No limit 2
payment for his business. per day in BHIM SBI PAY?
Which of the following is incorrect for Enter the last 6 digits of your debit Enter the 10 digit mobile Separate UPIN must be set for each of In case of a Maestreo 2
creating UPI Pin in BHIM SBI PAY? card and expiry date. number registered in the the linked accounts. card, no ned to enter
acount. expiry date.
How can a customer raise a complaint Customer can raise the dispute Customer can contact the Customer can lodge compliant through Any of the above. 4
for disputed transaction? through the App. toll free number email on support.upi@sbi.co.in
1800112211 for lodging the
complaint.
Which of the following options is not QR code Acct. No and IFSC VPA MMID 4
available in BHIM SBI PAY?
Mahipur is a semi urban branch with heavy footfalls After enteruing the chequ details in the 10 15 20 30 4
everyday. Due to staff shortgage and footfalls, many application, the csutomer ahs to submit
complaints arise from tehc sutomes that there is undue physical cheques in ____ days in the
delay in realsiation of cheques presented by them. Mr, CDK?
Shankar has arranged a staff meeting the disucss the Which of the following cheques can be Stale cheques PDCs CTS compliant cheques Any of the above. 2
problem and improtance of migration of customes to accepted in CDK?
CDK. Ms. Pushpa, a new JA has some queries about Which of the following steps can help Advise the staff to ldoge the Advise the customers to Take initiave to migrate the customers Any of the above. 3
CDK. the branch to overcome heavy footfall cheques in the system on the visit the bearby branch for to CDK.
problem? same day of receipt. the time being.
______ cheques can be submitted by a 5 10 15 20 2
customer in a sinlge stance?
Smart cheque deposit facility is Other services Requests Service Requests Account services 3
available under which option in YONO?

Mr. Rakesh is proprietor of a small shop and is What is the prociedure for providing Advise him to download and install The process of on-boarding Advise the customer to contact MAB It can be enabled through 2
maintaining current account with Rahimnagar rbanch Bharat QR to Rakesh? Bharat QR App on his mobnle and a merchant for Bharat QR department at LHO. INB branch Interface.
and he ahs installed POS on his shop. Brnach has been do the self registration. is same as POS.
advised to popularise Bharat QR facility. Mr. Prakash,
Associate in the branch has come to shop of Mr. rakesh,
who has following doubts about Bharat QR facility.
Mr. Rakesh is proprietor of a small shop and is
maintaining current account with Rahimnagar rbanch
and he ahs installed POS on his shop. Brnach has been
advised to popularise Bharat QR facility. Mr. Prakash,
Associate in the branch has come to shop of Mr. rakesh, Which of the following is incorrect about Lower MDR rates compared to No monthly service fee/ No commitment charges. No MDR 4
who has following doubts about Bharat QR facility. benefits of Bharat QR to merchants? POS. rental.

Which of the following is incorrect about CASA deposit. MDR IT has no Capex and less Operating Monthly rental. 4
benefits of Bharat QR to the Bank? expenses.

Which of the following information is not Merchant ID Terminal ID Mercahnt name Amount of transaction 4
stored in static QR code?
Which of the following is incorrect as a Smart mobile phjone Account with SBI QR code scannner. Data connection. 3
prerequisite by merchants for Bharat
QR?
Mr. Nitin has joined as JA in a district HQ branch at Which of the following is mandatory by Credit card Mobile number PAN Valid e-mail ID 2
Rajanagar. He has been assigned task for onboarding the custoemr to avail RINB facility
the customers to RINB/ YONO, as brnach is having very online.
highfootfall. Nitin has following queries: Which of the following is/are not eligible Minor accounts Illetrate customer Visaully challenged customers All above are not eligible. 2
for RINB facility?
Which of the following joint accounts Anyone or survivor Either or survivor Former or survivor All are eligible. 4
are eligible for RINB?
customer ahs generated and printed System generated temporary user Temporary password Reference number None of the above is 3
RINB registration form from name. printed.
onlinesbi.com and visited the branch
with the form. Which of the following
information is printed on the form?
Which of the following is not mandatory Debit card e mail id Mobile number in CIF all are mandatory 2
for self registration to RINB without
visitng the branch?
Kamalpur branch is a SU branch located in a M/s. Gheewala and Sons is a Khata Plus Khata Vyapaar Vistaar 1
commercial area. Mr. Raju has been posted reently partnership firm with CA witht eh
there as BM. During staff meeting, SM told him that branch. However, partners don’t want
customers are not comfortable using CINB facility. He any transactions rights in online mode.
then arranges a cusomters' meet to explain about CINB Which of the following si suitable
to cuustomers, He assures the customers of product for them?
handholding in case of any issue and assigned this role M/s. ABC Limited is ahving mutliple Khata Plus Khata Vyapaar Vistaar 1
to Ramesh. CIFs in multiple branches and they
have one current account with the
branch. CEO wants separate user for
each account to enquire about the
transactions and downloading of
statements, but no transacion rights.
Which product Mr. Ramesh suggest to
them.
Interms of functionality, which of the Vyapaar Vistaar Khata Plus Saral 2
following products is similar to GINB?

Which of the following variant does not Khata Plus Khata Vyapaar None of the above 4
require administrator role?
Which of the following products can be Khata Plus Khata Vyapaar None of the above 2
enabled through CBS?
Mr. Saurabh travels from Ahmedabad to Vadodara by Which of the following is an initiative to SBI Toll Tag SBI FASTag SBI TOLL Tag SBI Digitag 2
road atleast 2 times a month to meet his parents. Long digitise the toll transacitons at toll
queues at Toll plaza irritates him. He has heard about a plazas?
product, which will help him drive through the toll plaza Technology used in this digitisation is QUORUM NPCI NETC RFID 4
without stopping to pay tax. called.
As per NHAI, vehicles have been 5 7 6 10 7
classified in ___ categories for toll tax
purpose.
Which of the following is not correct AISECT NICT PRISM SAVE 3
about the agencies engaged by the
bank for selling this product?
Mr. Saurabh travels from Ahmedabad to Vadodara by
road atleast 2 times a month to meet his parents. Long
queues at Toll plaza irritates him. He has heard about a
product, which will help him drive through the toll plaza
without stopping to pay tax.

What si the customer care help no. for 1800110018 1800112211 1800111101 18003253800 1
getting this application?
Mr. Saumil is using YONO in his SB account maintained In which options in YONO, he can lodge Accounts YONO Pay Service Request Get in Touch 4
at Tejgadh branch. He recently did a interbank transfer the complaint?
transaction through YONO. His account was debited, but What is the chatbot application name of SIRI AI SIA No such support 3
the beneficiary account was not credited. He comes to YONO App?
the branch to seek information from Mr. Satyen, Senior YONO customer care contact number is 1800111101 1800113211 1800114211 18004253600 1
Associate about the disputed transaction
email address support for YONO is feedback.yono@sbi.co.in yonosupport@sbi.co.in yono@sbi.co.in support.yono@sbi.co.in 1
If he has lodged some complaint, under Accounts YONO pay Service Reqeust Get in Touch 4
which option can he track the
complaint?
Mr. Shyam saw a YONO cash banner in the branch. He Which of the following is not a benefit of No limit on csh withdrawl No need to carry ATM card No risk of card skimming Available at customer 1
approached Mr. Babu to seek more inforamtion about YONO cash to the customer service point also
this product. Validity period of the YONO cash 60 minutes 120 minutes 180 minutes 240 minutes 4
request is
What is the maximum amount that can 10000 20000 25000 50000 2
be withdrawn using YONO cash option?

Which of the following service is not cardless payment at POS e-commerce payments Cash@POS Cash withdrawl at CSP 2
offered udne YONO cash
YONO cash facility is not available to Any ATM under shared network CSP POS location YONO Cash Point 1
customer at
Mr. Nandlal has opened one e-TDR account for Rs. Whether Mr. Nandlal can avail overdraft To avail OD against this e-TDR, Yes. He can avail OD of No. He can avail OD of Rs. 40000.00 No. He can avail OD of 4
50000.00 through YONO app. He is in urgent need of of Rs. 45000.00 against this FDR and her has to visit the home branch of Rs. 45000.00 (90% of the (80% of the FDR) thorugh YONO app Rs. 37500.00 (75% of the
money, but he does not want to close this FDR before what steps he has to take? e-TDR. There is no such facility in FDR) thorugh YONO app FDR) thorugh YONO app
maturity and wants to avail loan against this e-TDR and YONO app.
seeks inforamtion from Mr.Ajay, JA in the branch. If this FDR has residual maturity of 8 No. Minimum residual tenure of No. Minimum residual Yes. Minimum residual tenure of fixed Tes. He can avail OD 3
months, whether he can avail fixed deposit should be 12 tenure of fixed deposit deposit should be 6 monhts. through YONO any time
overdraft? monhts. should be 9 monhts. before maturity.
What is the minimum loan amount to 5000 10000 15000 25000 4
avial OD against deposit through
YONO.
What will be the margin, if the FDR is e- 20% 25% 10% 15% 3
Sp. TDR?
What is the maximum loan amount to INR 5.00 Crores INR Rs. 1.00 crore INR Rs. 50.00 lacs No limit 1
avial OD against deposit through
YONO.
Ms. Sanjita is maintaining her SB account with How can Ms. Sanjita know about her She can send a SMS PAPL She can send a SMS PAPL She can send a SMS PAPL <space> Any one of the above. 2
Madhupur rbanch and is using YONO. One of her friend eligibility for this type of loan? <space> XXXX to 567676, where <space> XXXX to 567676, XXXX to 567676, where XXXX are the
Ms. Meena has availed a loan of Rs. 1.20 lacs through XXXX are the last four digits of her where XXXX are the last last four digits of her CIF No. to know
YONO app without visitng the branch. Ms. Sanjita wants Debit card to know her eligibility four digits of her SB her eligibility and amount.
to know if she can avial such loan. and amount. account No. to know her
eligibility and amount.

What is the maximum period for which 6 months 12 months 24 months 36 months 2
PAPL is sancitoned?
Customers are intimated through SMS on registered mobile number e-mail Push notification intiamtion on YONO Intimation by PBBU dept. 7
various means about PAPL eligibility. App. through letter at the
Which of the following is not the mode registered address
of inforamtion?
Which of the following is not mandatory Account should be KYC compliant. PAN is mandatory. The SB account should have atleast The custoemr must be a 4
to be eligible for PAPL through YONO? one credit every month for last 6 CSP customer.
months,
What is the minimum loan amount of No. miinimum. 20000 25000 50000 3
PAPL on YONO?
Mr. Sam is HNI customer of the branch. BM has called What is the minimum infrastructurre Android version 5.0 and above In case of Aplie devices. Internet connection Cellular 3G/4G or Either 1 or 2 and 3 4
Akash, a JA assigned role of marketing of digital required for downloading YONO? iOS 8.0 and above wireless (1 Mbps and above)
products, to explain some digital products to him. Mr. Who are eligible custoemrs under Resident indivdual, aged 18 years Should be literate Only customer, who have availed Both 1 and 2 above. 4
Sam has dificulty in remembering various IDs and PW YONO? and above. RINB are eligible.
for so many IDs and PWs and Apps are occupying lot of
data in his mobile. Akash suggests Mr. Sam to download
YONO.
Mr. Sam is HNI customer of the branch. BM has called
Akash, a JA assigned role of marketing of digital
products, to explain some digital products to him. Mr.
Sam has dificulty in remembering various IDs and PW
for so many IDs and PWs and Apps are occupying lot of How many digital saving accounts will 1 2 3 4 1
data in his mobile. Akash suggests Mr. Sam to download be permitted for a mobile number?
YONO.
What is spend analyser in YONO? It is analysis and graphical It is analysis and graphical It can help the customer in 1 and 3 both 4
representaiton of speding patten
representaiton of speding understanding his/ her spending
of the customer in an account for a
patten of the customer in a behaviour, better financial planning
particular period. credit card for a particular and budgeting.
period.
If any customer is new to the Bank, how He can start his digital journey by No, new customers can not Only the csutom2rs, who have availed None of the above. 1
can he be able to access YONO? initiating digital account opening avail YONO digital RINB facility can access YONO.
process and subsequently register application.
himself.
Ms. Rohini, a new customer of the Bank, has read about Rohini wants to open digital SB accoun She should be literate. Age should be 18 years She should have mobile number. She should have e-mail 4
YONO. She is interested to more about the features. t through YONO. Which of the following and above. address.
Please guide her. is not mandatory requirement?

YONO is available on both mobile and www.yonsbi.in www.yono.com www.yonosbi.com www.sbiyono.sbi 4

webportal. What is the URL for YONO
web Portal.
What is the minimum data speed 256 Kbps 512 KBps 1 Mbps 2 Mbps 3
requirement for mobile phone for
accessing yONO App?
Yes. It4.4.
Rohini has a android smart phone with version canCan
be installed
he installonYONO
any on his
Yes. It can be installed on
mobile? No. Minimum OS requirement in case No. Minimum OS 3
smart phone. any phone. of android phone is version 5.0 and requirement in case of
above. android phone is version
7.0 and above.
Rohini wants to open joint account with Yes. She can open joint account Yes. She can open joint Yes. She can open the account with No. Joint account can't 4
her brother Rohan through YONO. with Joint operation or survivor account with Either or Former or Survivor mandate only. be opened through
mandate only. survivor mandate only. YONO.
Mr. Venkat is retired government servant and is in What is the minimum loan amount 10000 20000 25000 50000 3
urgent need of meny for meeting medical expenses of under PAPNL?
his wife. He ahs not availed any pension loan from bank. What is the mximum age before PAPNL 70 years 75 years 68 years 72 years 1
He ahs heard about PAPNL and has following queries. is to be fully repaid?
What si the maximum age upto which Age should be less than 65 years. Age should be less than 66 Age should be less than 70 years. Age should be less than
the customer is eligibel for PAPNL? years. 72 years.
Which of the following is not correct Maximum 18 months NMP EMI/ NMP less than 50% Maximum loan amount is Rs. 3.00 Maximum loan amount is 3
about maximum limit under PAPNL lacs. Rs. 2.50 lacs.
through YONO.
What is the maximum period for which 36 months 60 months 24 months 48 months. 2
PAPNL is sanctioned?
Mr. Jacob is a central government pensioner ahving What is the minimum residua maturity 12 months 6 months 18 months 24 months. 1
pension account with your rbanch. He has already period of exisitng pension loan to be
availed a pension loan from your branch. He is now in eligible for pre approved insta pension
urgent need of money and wants another loan. He has loan?
approached you for the details of pre approved insta Which of the following is incorrect? Minimum exisitng pension loan Minimum residual maturity Satisfactory track record for last 1 Maximum loan is Rs. 4
pension loan.. limit should be Rs. 1.00 lacs of existing loan is 1 year. year. 2.50 lacs

Which of the following is incorrect about maximum loan is 20% of exisitng Maximum laon amount is Maximum loan amount is Rs. 1.25 EMI/NMP ration less than 3
maximum loan limit under pre approved pension loan. Rs. 2.80 lacs. lacs. 50%
insta pension loan?
What is the maximum period for which 60 months 12 months 24 months 36 months 4
Pre approved insta pension loan I
sanctioned?
What is the validity period of insta Within calender quarter from the Within calender quarter Within one month from the date of Within two months from 3
pension loan offer? offer. from the date of offer. offer. the date of offer.
Mr. Salman Khan is running a small business under a Which of the following facility is CINB Khata CINB Khata Plus CINB Saral CINB Vyapaar 3
proprietorhsip firm and has to make small payments suitable for him?
regualrly. He has complained that his suppliers are not Which of the following roles ar Administrator. Maker Checker No rolesa re required. It 4
getting funds sent through NEFT or RTGS. On 2 mandatory to be created in CINB Saral? is a sinlge user product.
occasion, the branch staff have input wrong details of
beneficiary. Please explain him benefits of CINB and
various products available and reply to his following
querries.
Mr. Salman Khan is running a small business under a
proprietorhsip firm and has to make small payments
regualrly. He has complained that his suppliers are not
getting funds sent through NEFT or RTGS. On 2
occasion, the branch staff have input wrong details of
beneficiary. Please explain him benefits of CINB and Number of variants of CINB are 5 6 3 4 6
various products available and reply to his following Which of the following prodcuts can be Khata Plus Vyapaar Vistaar Saral 4
querries. enabled through CBS?
Which of the following CINB variants Khata Plus Khata Saral All of them. 3
has the transaction rights?
Mrs. Daya is workign in a private organisation. About 4 Post disbursement and follow up Analystical department, Corproate LHO team Home branch, where CIF is Home rbanch, wehre SB 4
months ago, she availed a PAPL of Rs. 1.50 lacs from activities for this account will be done Centre maintained account is maintained.
Vijyanagar branch. Now she is transferred to their by
Surajnagar officer and has got her account to Surajnagar The loan account udner PAPL will be Cusomter home branch, where Any branch, as per choice Branch in which savings account is Noe of the options is 3
branch through YONO, but CIF is with Vijyanagar opened automatically under which CIF is maintained. of the customer. maintained. correct.
branch. due to insufficient balance in her account, EMIs branch?
are not repaid and account is running irregular. Mr. Which of the following documetns are KYC documents Income proof Photograph No need to upload any 4
Bhandari, JA in advances department is confused about to be uploaded by the csutoem while document.
follow up in such cases and how PAPL is sancitoned? availing PAPL in YONO?
What should be the minimum CIBIL 700 750 800 725 2
score requried for Non CSP custoemrs
to be eligible for PAPL?
Which branch will do the post Vijyanagar Suraj Nagar RACPC Both Vijyanagar and 2
disbursement follow up in this irregular Surajnagar branch
account?