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Banking Code
Banking Code
IFSC:–
* Indian Financial System Code
* It is provided by RBI to bank branches.
* It is a 11 digit alpha – numeric code
* It is used for electronic find transfer
5th
CNBC0001234
* Bank Branch
Code By default Code
always Zero
MICR:–
* Magnetic Ink Character Recognition
* Provided by RBI to bank branches.
* It is used for electronic cheque clearance
* It is a 9 digit numeric code
250 002 123
*
City Bank Branch
Code Code Code
SWIFT:–
* Society for Wordwide Interbank Financial
Telecomunication
* It is provided by Swift Society
headquatered in La hulpe, Brusselsm, Belgium
It is used for international Transactions
* It is a 8 or 11 digit alpha - numeric code
C N R B I N 3 M 1 2 3
Bank Country City Branch

Code Code Code Code
(Optional)
1 RASHID SIR
Scanned by CamScanner
BANKING SYSTEM
FINANCIAL INSTITUTION/INTERMEDIARIES of 10 banks into 4 banks (30 August, 2019).

* Syndicate & Canara Bank
* Indian Bank & Allahabad Bank
BANK NBFI None * PNB, OBC & United Bank of India
Banking Finance * Union Bank of India, Andhra Bank & Corpo-
Institution ration Bank
A. Commercial Bank:– (5) * Ist largest PSU's/PSB's SBI
(Profit Motive) * IInd largest PSB's PNB
(A) AIFI:– All India * IIIrd largest PSB's BOB
Financial Nationalised Bank and its Headquarters:
* Public Sector Bank = 18 1. Punjab National Bank New Delhi
* Private Sector Bank = 22 * NABARD 2. Punjab & Sindh Bank New Delhi
* Forign Bank = 46 * EXIM 3. Indian Bank Chennai
* Regional Rural Bank = 45 * SIDBI 4. Indian Qverseas Bank Chennai
* Local Area Bank = 03 * NHB 5. United Commercial Bank (UCO) Kolkata
* Small Finance Bank = 10 * MUDRA 6. United Bank of India Kolkata
* Payment Bank = 07 7. Bank of India Mumbai
8. Central Bank of India Mumbai
B. Co-operative Bank:– B. PD-Primary 9. Union Bank of India Mumbai
Dealears
10. Bank of Baroda Vadadora
(No profit no loss)
11. Bank of Maharashtra Pune
* Primary Cooperative (C) NBFC- Non
12. Andhra Bank Hyderabad
Banking Finance
Companies 13. Canara Bank Bangalore
* Central Cooperative (Under Companies 14. Syndicate Bank Manipal
act 1956/2013) 15. Corporation Bank Mangalore
* State Coorperative 16. Oriental Bank of Commerce Gurugram
17. Allahabad Bank Kolkata
PUBLIC SECTOR BANKS : SBI (STATE BANK OF INDIA)
Total PSB's = 18 (17 Nationalised Bank + SBI) * It was establised on 1 July, 1955 under SBI Act
* SBI 1955.
* 14 Nationalised Banks on 19 July, 1969 having mini- * Head Office Mumabi.
mum capital of Rs. 50 crore. * Present Chairman Rajnish Kumar.
* 6 Banks Nationalised on 15 April, 1980 having mini- * It was recommenaded by Gorewala Committee.
mum capital of Rs. 200 crore.
* Previously known by Imperial Bank of India.
Note:
* It is the largest Public Sector Bank in India having
(1) New Bank of India merged with PNB - 4 Sep- around 37 crore customers. It is the largest PSB
tember 1993. which have largest number of domestic & foreign
(2) Dena Bank & Vijaya Bank merged with BOB on branches. It is also the largest bank having highest
1 April, 2019. NPA's.
(3) IDBI Bank became private bank 2019. In 1959 GOI set up 7 associate bank of SBI-
(4) Finance Minister recently announced the merger (a) State Bank of Saurashtra - Merged with SBI in
1 RASHID SIR
2008. pany.
(b) State Bank of Indore - Merged with SBI in 2010 * Atleast 25% Branch Rural unbanked area (Popu-
(c) State Bank of Hyderabad lation below Rs. 10,000)
(d) State Bank of Patiala * PSL Priority Sector 40%
(e) State Bank of Mysore Lending
(f) State Bank of Travancore * Maximum FDI Foreign 49% (upto 5 year) &
(g) State Bank of Bikanar and Jaipur Direct Investment 74% (after 5 years)
* These five Banks merged with SBI on 1 April, * In approval license 18 months
2017. SMALL FINANCE BANKS :
* Minimum Capital Rs. 200 crores
PRIVATE SECTOR BANKS * Minimum Experience 10 years as Finance Com-
Total Private Sector Banks = 22 pany
* In 1994, RBI approved 10 private bank license on * Promotor Capital upto 5 years = Max. 40%
recommendation of Narasinham Committee (now 6 upto 10 years = Max. 30%
working). upto 15 years = Max. 15%
* In 2004, RBI approved 2 private bank license on rec- * Deposit and Loans facility.
ommendation of Narsimham Committee :
* Target to Rural Areas.
 Yes Bank
* PSL-Priority Sector 75%
 Kotak Mahindra Bank
Linding
* In 2014 RBI approved 2 private bank license on
* Maximum FDI 49% and after
recommendation of Bimal Jalam Committee:
upto 5 year
* Bandhan Bank
* 5 year 74%
* IDFC First Bank
* RBI approved 10 small bank's license on recommen-
Note : In 2019, IDBI became private sector bank. dation of USHA THORAT COMMITTEE.
* Ist largest Private Sector Bank ICICI Bank
* First Small Finance Bank was opened on 13 April in
* IInd largest Private Sector Bank HDFC Bank Jalandhar named Capital Small Finace Bank.
* IIIrd largest Private Sector Bank Axis Bank List of 10 SFB's :
FOREIGN BANKS : 1. Capital SFB's
* Total foreign Bank = 46 2. Ujjivan SFB's
* 46th foreign Bank is Bank of China 3. Utkarsh SFB's
REGIONAL RURAL BANK (RRB's): 4. Suryodaya SFB's
* Total No. of RRB's = 45 5. Jana SFB's
* Ist RRB's is Prathama Bank, established on 2 Octber, 6. North East Small Finace Bank
1975 in Moradabaad.
7. AU Small Finance Bank
* RRB Act Passed in 1976.
8. Fincare Small Finance Bank
* No RRB's present in Goa & Sikkim. 9. Equitas Small Finance Bank
* RRB's regulated by NABARD.
10. ESAF Small Finance Bank
* It was recommendated by Narasimhan Committee.
PAYMENT BANKS : (07)
* Capital ratio of RRB Minimum Capital Required Rs. 100 crore.
(i) 50% Central Government
Minimum Experience not required.
(ii) 15% State Government
Only Deposit Facility (upto Rs. 1 lakhs)
(iiI) 35% Sponsored Bank (Public Secture Bank) Loan & Credit Card Facility not available PSL - not
CONDITIONS OF NEW BANK LICENSE : (PRIVATE BANK) applicable.
* Approved by RBI. RBI approved 11 payment bank license on recom-
* Under Section 22 of Banking Regulation mendation of "Nechiket Mor Committee" but 3 banks
Act 1949. surrendered its license.
* Minimum Capital Rs. 500 crore. First payment Bank Airtel Payment Bank = HQ =
* Minimum Experience 15 year as Finance Com- New Delhi on 23rd November, 2016.
2 RASHID SIR
List of Names of PB's : opment Fund)
1. Airtel Payment Bank SIDBI :
2. Paytm Payment Bank * Small Industries Development Bank of India
3. Jio Payment Bank * Established on : 02 April, 1990
4. FINO Payment Bank * Under the SIDBI Act 1989
5. India Post Payment Bank * HQ : Lucknow
6. NSDI Payment Bank * Chairman : Mohammed Mustafa
7. Aditya Birla Payment Bank * Apex Institution for providing finance to MSME's
8. M-Paise Vodafone Payment Bank (not started) Manage Fund of : SEDF (Small Enterprises Develop-
ment Fund)
Note :
EXIM :
* India Post Payment Bank will soon be converted/
converting into Small Bank. * Export & Import Bank of India
* India Post Payment Bank is a 100% Government of * Established on : 01 January, 1982 under EXIM Act
India Payment Bank. 1981
* Jagline : Apka Bank Apke Dhwar. * HQ : Mumbai
NABARD : * Capital : 100% of GOI
* National Bank for agriculture & Rural Development. * Chairman : David Rasquina
* Established on 12 July, 1982 under NABARD Act * Apex Institute for Export & Import
1981. NHB :
* HQ : Mumbai * National Housing Bank
* Capital of : 100% Govt. of India (in 2019) * Established on : 09 July, 1988 under NHB Act 1989
* Chairman : Harsh Kumar Bhanwala * HQ : New Delhi
* Recommended By : Shivaraman Committee * Capital : 100% Govt. of India (in 2019)
* Apex Institute for Agriculture & Rural Development * Chairman : Sarada Kumar Hota
* Regulator RRB & Co-operative Bank. * Regulates : Housing Finance Companies
* Manage Fund of : RIDF (Rural Infrastructure Devel- * Provided : Residex (Residex Index)
3 RASHID SIR
PRACTICE SET - 1
Answer the following questions by selecting the most appropriate option:
1. SEBI is a/an 7. Mutual funds are regulated by _______.

1. Constitutional body 1. SEBI
2. Advisory body 2. AMFI
3. Non – statutory body 3. RBI
4. Statutory body 4. IRDA
5. None of the above 5. None of these
2. _______ refers to the part of a company’s earnings 8. Which of the following institutions is not a part of
or profit that is paid out to share holders. organized money market?
1. Interest on borrowing 1. Reserve Bank of India
2. Tax 2. Private Banks
3. Capital gain 3. Moneylenders
4. Dividend 4. Development Banks
5. Penal interest 5. Non-Banking Financial Companies
3. Which of the following best describes SEBI ? 9. Government securities with more than a 1-year term
are called _____________.
1. SEBI is the regulator of capital markets.
1. Government bonds
2. SEBI protects the interest of investors.
2. Treasury bills
3. SEBI ensures ethical services.
3. Capital bills
4. SEBI is an international organization.
4. Bills of exchange
5. None of the above
5. None of these
4. Which of the following is / are not considered money
10. ______ involves the process of borrowing or lending
market instruments?
of funds for a period of more than 14 days.
1. Treasury bills
1. Term money
2. Commercial paper
2. Call money
3. Certificate of deposit
3. Notice money
4. Shares and bonds
4. Temporary money
5. Repurchase agreement
5. Permanent money
5. The Stock Market Index of London is known as
11. Which of the following entities cannot issue a
_____.
commercial paper?
1. Sensex
1. Corporate
2. Nifty
2. Primary dealers
3. Footsie (FTSE)
3. Commercial banks
4. Bullish
4. All Indian financial institutions
5. NYSE
5. None of these
6. India’s capital market is regulated by _______.
1. SEBI 12. Many times we read in financial newspapers /
2. RBI magazines about Systematic Investment Plans
3. NSE (SIPs). SIPs are an investment option operated in
4. BSE the mode of
5. SBI 1. Mutual funds.
2. Small saving schemes in post office
3. National pension fund.
4. National saving certificate.
5. None of these
PRACTICE SET - 1
13. What is the full form of the abbreviation “MFI”, 18. Which of the following can be the example of
which is mentioned very frequently in newspapers? Primary Market?
1. Major Financial Issue 1. Initial Public Offer
2. Issue of Debentures
2. Modified Financial Instructions
3. Reselling of Equity Shares
3. Monetary Federation in India 4. Issue of Mutual Funds
4. Major Financial Institution 5. Only (1), (2) and (4)
5. Micro Finance Institutions
19. SEBI is associated with _______.
14. Selling mutual funds to investors without informing 1. Stock exchange
them about the risks involved in the investments is 2. Foreign trade
termed as _______. 3. Agricultural pricing
1. Undertaking 4. Public sector control
2. Cross-selling 5. Insurance
3. Mis-selling
4. Upselling 20. What is the “Gilt edges market”?
5. None of the above 1. Trade of gold
2. Market of petroleum products
15. Which of the following financial instruments cannot 3. Market of defense equipments
be traded in a secondary market? 4. Market in government securities
1. Government of India bonds 5. Trade of shares
2. National savings certificate
3. Equity shares
4. Mutual funds
5. Government security
16. SEBI allows retail investors to apply for share of

initial public offerings without actual transfer of
their funds from the accounts. This facility is known
as________
1. Systematic Investment Plan (SIP).
2. Systematic Transfer Plan (STP).
3. Applications Supported by Blocked Amount
(ASBA)
4. Hedge fund account
5. Mutual fund account
17. What is call money?

1. Money borrowed or lent for a day or overnight.
2. Money borrowed for more than one day but up
to 3 days.
to 7 days.
to 14 days.
5. None of these.
PRACTICE SET - 2
1. The present foreign trade policy of India pertains to 7. Which of the following bodies regulates the
the period of _________. insurance business in India?
1. 2010-2014 1. IRDP
2. 2011-2015 2. SEBI
3. 2012-2016 3. NABARD
4. 2015-2020 4. IRDA
5. None of the above 5. RBI
2. The head quarter of the National Stock Exchange 8. Which of the following is not a type of mutual fund?
(NSE) are located in _______. 1. Growth funds
1. New Delhi 2. Debt funds
2. Mumbai 3. Money market funds
3. Kolkata 4. Balanced funds
4. Chennai 5. NAV fund
5. Bangaluru
9. Providing bank finance to self-help groups (SHGs)
3. Many times we read the term ECB in newspapers. considered a part of __________.
1. Microcredit
What is the full form of ECB?
2. Agriculture finance
1. Essential Commercial Banking 3. Mobile banking
2. European Credit Borrowing 4. Rural banking
3. External Credit for Business 5. None of these
4. External Commercial Borrowing
5. None of these
10. In India ‘Mutual Funds’ are required to be
registered with ___________.
4. Which among the following agencies / organizations 1. IRDA
acts as a regulator of micro-finance institutions in 2. RBI
India? 3. SEBI
1. RBI 4. PFRDA
2. NABARD 5. SIDBI
3. SIDBI
4. SEBI
11. Name the agency which is responsible for credit
5. IBA
evaluation of individuals.
1. CRISIL
5. ULIP stands for
2. ICRA
1. Unit Loan and Insurance Plan.
3. NSDL
2. Unit Linked Insurance Plan.
4. CIBIL
3. Universal Loan and Investment Plan.
5. RBI
4. Uniformly Loaded Investment Plan.
5. Universal Loan and Insurance Plan.
12. A bond issued at a price less than its face value and
6. Exporters and importers in India are required to payable on its due date at its face value bearing no
know the ‘FEMA’ rules. What does the letter ‘M’ ROI (Rate of interest) is called _______.
denotes in the term ‘FEMA’? 1. Preference bond
1. Money 2. Zero coupon bond
2. Material 3. Convertible bond
3. Mega 4. Perpetual bond
4. Management 5. Sovereign bond
5. Micro
PRACTICE SET - 2
13. In the capital market, the term arbitrage means

1. Simultaneous purchase and sale of securities to 19. What does NAV stands for?
make profit from price. 1. National Associated Value
2. Sale of securities to reduce the loss on purchase. 2. Net Asset Value
3. Purchase of securities to cover the sale. 3. National Annual Value
4. Variation in different markets. 4. Net amount of Valuation
5. None of the above. 5. Net Accessible Value
14. FIMMDA stands for 20. Forward market commission merged with
1. Fixed Income Money Market and Derivatives 1. RBI
Association. 2. SEBI
2. Fixed Income Money Market and Development 3. IRDAI
Association. 4. PFRDA
3. Foreign Investment Markets and Derivatives 5. None of the above
Association.
4. Floating Income and Money Markets Derivative
Assets.
15. Which of the following is not a component of the

Indian securities market?
1. Government bonds
2. Corporate equity
3. Currency derivatives
4. Term deposit
5. Commodity futures
16. _______ usually invests the entire corpus in a mix of

long and short-term debt and equity instruments.
1. Growth fund
2. Debt fund
3. Money market fund
4. Balanced fund
5. Equity fund
17. Which of the following is not a money market

instrument?
1. Treasury bills
2. Commercial papers
3. Certificate of deposit
4. Equity shares
5. None of these
18. What is the full form of ASBA?

1. Allotment Supported by Blocked Amount
2. Application Supported by Bank Amount
3. Allotment Supported by Bank Account
4. Application Supported by Blocked Amount
5. Allotment and Social Banking Amount
PRACTICE SET – 3
1. State Bank of Indore was merged with the State 7. Which of the following is NOT a public sector
Bank Of India in bank?
1. 2009 1. Corporation Bank
2. 2010 2. United Bank of India
3. 2011 3. Vijaya Bank
4. 2012 4. Bank of Maharashtra
5. 2013 5. Federal Bank
2. Prathama Bank, the first regional rural bank of 8. Which of the following is not a function of a
india, was sponsored by _______. commercial bank?
1. Oriental Bank of Commerce 1. Providing project finance
2. Punjab & Sind Bank 2. Settlement of payment on behalf of customers
3. Punjab National Bank 3. Deciding policy rates such as CRR, SLR and repo
4. Syndicate Bank rates
5. UCO Bank 4. Issuing credit/debit/ATM cards
5. Providing services such as locker facilities and
3. Regional rural banks were set up on the remittances
recommendations of the __________.
9. ulation Act.
1. Nariman Committee
1. Section 31 (II)
2. Narasimham Committee
2. Section 36 (A)
3. Gadgil Committee
3. Section 35 (A)
4. Bhave Committee
4. Section 37 (B)
5. Tandon Committee
5. Section 39 (I)
4. Which of the following banks was not
10. Deposit Insurance and Credit Guarantee
nationalized in 1980?
Corporation of India is owned by _______.
1. Corporation Bank
1. Insurance Regulatory Development Authority
2. Punjab National Bank
2. Securities and Exchange Board of India
3. New Bank of India
3. Reserve Bank of India
4. Oriental Bank of Commerce
4. Union Government of India
5. Punjab & Sind Bank
5. Banks Board of India
5. Which of the following is a category of scheduled
commercial banks in India? 11. At how many locations, is the banking
1. Nationalized Banks ombudsman appointed in India?
2. Foreign Banks 1. 20
3. Regional Rural Banks 2. 12
4. State Bank of India and its associates 3. 17
5. All of these 4. 24
5. 25
6. Which of the following banks is the largest private
sector lender? 12. What does ALM stands for in reference to
1. HDFC Bank banking sector?
2. ICICI Bank 1. Asset Liability Management
3. Yes Bank 2. Asset Liability Market
4. Kotak Bank 3. Asset Liability Mechanism
5. None of these 4. Asst Liability Maturity
PRACTICE SET – 3
13. Loan given to an exporter is guaranteed by 19. The Depositor Education and Awareness Fund
______. (DEAF) has been set up with?
1. EXIM bank 1. Public sector banks
2. Ministry of Foreign Affairs 2. Indian Bank of India
3. ECGC limited 3. State Bank of India
4. RBI 4. Reserve Bank of India
5. Exporter Corporation of India 5. Government of India
14. What is CTS? 20. Bankers generally do not allow opening accounts
1. Cash Transit System in the name of
2. Cash Transaction System 1. Executors and trustees
3. Cheque Transfer System 2. Persons of unsound mind
4. Cheque Truncation System 3. Illiterate persons
5. Cash Transfer System 4. Pardanashin ladies
5. Visually impaired persons
15. What is a banker’s cheque?
1. Debit card
2. Demand draft
3. Pay order
4. PAP cheque
5. Banker’s draft
16. What is the full form of NPS?

1. National Provident Scheme
2. National Pension Service
3. National Pension Scheme
4. National Portfolio Scheme
5. Nominal Pension Scheme
17. Which of the following is liability product for a

Bank?
1. Home Loan
2. Education Loan
3. Fixed Deposit
4. Recurring Deposits
5. Only (3) and (4)
18. Which of the following is regulatory authority for

Rural Banks in India?
1. RRB board
2. Banks Board of India
3. NABARD
4. RBI
5. Indian Banking Association
sale kar rahe hai..

PRACTICE SET – 4
1. Which one of these is not a type of electronic funds 7. The Aadhaar Enabled Payment System (AEPS) is a
transfer? banking-led model that facilitates banking services
1. ECS through banking correspondents across banks.
2. NEFT However, Aadhaar-enabled basic type of banking
3. RTGS transactions do not include
4. SWIFT 1. Aadhaar to Aadhaar funds transfer
5. BOTH (1) and (4) 2. Small overdraft facility
3. Cash withdrawal
2. Credit card is related to which of the following 4. Balance enquiry
terms? 5. Cash deposit
1. Hard money
2. Easy money 8. Electronic Funds Transfer at Point of Sale (EFTPOS)
3. Soft money technology is based on
4. Plastic money 1. SMS alerts
5. Real money 2. Debit cards
3. Credit cards
3. RuPay was introduced in the year 4. Both (1) and (2)
5. Both (2) and (3)
1. 2010
2. 2011
9. Which of the following words or phrases are not
3. 2012
related to cashless payments?
4. 2013
1. Unified Payment Interface (UPI)
5. 2014
2. Payment by coins
3. Near-Field Communications technology (NFC)
4. How many digits are there in the MMID number? 4. M-Wallet
1. 7 5. Crytocurrency
2. 8
3. 9
10. Which of the following is best explanation for
4. 10
SWIFT?
5. 12
1. A multi-purpose vehicle
2. Overdraft facility for NRIs
5. Which of the following banks introduced the concept
3. Capital market investment plan
of ATM cards in India?
4. A type of Banker’s Cheque
1. ICICI Bank
5. Overseas communication system in Banks
2. HDFC Bank
3. HSBC Bank
4. Deutsche Bank 11. Which bank first introduced credit card facility in
5. None of these India?
1. State Bank of India
6. The upper limit prescribed for RTGS transaction is 2. Punjab National Bank
1. INR 1 lac 3. Central Bank of India
2. INR 2 lacs 4. Bank of Baroda
3. INR 5 lacs 5. Indian Bank
4. INR 50 lacs
5. No upper limit is prescribed 12. What is the limit on the amount that could be
transferred using NEFT?
1. Rs. 50 thousand
2. Rs. 1 lakh
3. Rs. 5 lakhs
4. Rs. 1 crore
PRACTICE SET – 4
5. No limit 5. 8 am – 6:30 pm
13. What is IFSC? 20. First Aadhar enabled ATM set up by __________?
1. Indian Fund System Code 1. HSBC BANK
2. International Financial System Code 2. SBI BANK
3. Intra Bank Financial System Code 3. DCB BANK
4. Indian Financial Security Code 4. FEDRAL BANK
5. Indian Financial System Code 5. ICICI BANK
14. White Label ATMs are owned and operated by-

1. Public sector bank
2. Regional rural bank
3. Foreign bank
4. Non-banks
5. RBI
15. What is ECS?

1. Electronic Clearing Services
2. Electronic Cheque Service
3. Electronic Cheque System
4. Easy Clearing Service
5. Electronic Clearing System
16. Which one is not an e-wallet?

1. Paytm
2. Mobi Kwik
3. Pay U Money
4. Pay Pal
5. Oxygen
17. _______ is an electronic fund transfer service that is

carried out through mobile.
1. RTGS
2. NEFT
3. SWIFT
4. IMPS
5. M-Transfer service
18. ‘Retail Banking’ is also known as ________

1. Wholesale Banking
2. Co-operative Banking
3. Corporate Banking
4. Investment Banking
5. Personal Banking
19. Timing of NEFT in India?

1. 8 am – 8 pm
2. 8 am – 7 pm
3. 8 am – 6 pm
4. No Time Limit
PRACTICE SET – 6
1. When bank are not able to recover loans granted by 7. Which of the following forums can help in resolving
them, the loans are classified as __________. complaints filed by bank customers against services
1. Bad loans rendered by banks?
2. Bad debts 1. RBI
3. Non-performing assets 2. Lokpal
4. Underperforming loans 3. Lokayukta
5. None of these 4. Banking Tribunal
5. Ombudsman
2. A customer can file a complaint with the Banking
Ombudsman if he/she does not receive a reply from 8. In banking and finance, what is the full form of ECR?
the bank within a period of ___________. 1. Earnings Credit Rate
1. 0 days 2. Emigration Check Required
2. 15 days 3. Efficient Consumer Response
3. 1 month 4. Electronic Challan cum Return
4. 2 months 5. None of these
5. 3 months
9. Which offerings under the Pradhan Mantri Mudra
3. Which of these is the main source of a bank’s income Yojana covers loans above Rs. 5 lakhs and up to Rs.
? 10 lakhs?
1. Shishu
1. Interest on investments
2. Kishore
2. Commissions and brokerage
3. Tarun
3. Bill discounting
4. Mahila Uddyami
4. Interest on loans
5. Harsh
5. Treasury operations
10. The Kisan Vikas Patra is not available to investors in

4. The arrangement of banks selling insurance products
the denomination of ________.
by acting as an agent of an insurance company is
1. Rs. 1000
known as ________.
2. Rs. 5000
1. Outsourcing
3. Rs. 10,000
2. Delegation
4. Rs. 50,000
3. Proxy insurance
5. Rs. 1,00,000
4. Shadow insurance
5. Banc assurance
11. What is the full form of BFS in banking terminology?
5. What does PCA stands for? 1. Board for Financial Supervision
1. Prompt Corrective Action 2. Board of Fiscal Supervision
2. Project Corrective Action 3. Banking and Financial Supervision
3. Permanent Corrective Action 4. Board for Financial Support
4. Project Collective Action 5. None of these
5. Proper Collective Action
12. Development that meets the needs of the present,
6. With which industry is the Basel Committee related? without compromising the ability of future
1. Auto industry generations to meet their own needs is known as
2. Microfinance __________.
3. Insurance 1. Sustainable development
4. Banking 2. Mitigation
5. None of these 3. Disaster management
4. Capacity building
5. Optimum development
PRACTICE SET – 6
13. Banks invest in cash, gold and approved 19. The amount specified as Cash Reserve Ratio (CRR) is
government securities to maintain ______. held in cash and cash equivalents and is stored in
1. SLR bank vaults or parked with _________.
2. Repo rate 1. Small industries Development Bank of India
3. Reserve repo rate (SIDBI)
4. Bank rate 2. Government of India (GOI)
5. PLR 3. Reserve bank of India (RBI)
4. State Bank of India (SBI)
14. LAF stands for? 5. Rural Infrastructure Development Funds (RIDF)
1. Liquidity adjustment facility
2. Liquidity adjustment fund 20. What is the Bank Rate?
3. Lower adjustment facility 1. Rate at which Central Bank of a country advances
4. Liquidity average facility loans to the other banks in the country.
5. Liquidity adjustment finance 2. Rate at which banks advance loans to the
customers.
15. Pick the odd one out of the following 3. Rate at which banks lend among themselves.
4. Rate at which banks lend to money lenders.
1. Regulation of margin requirement
5. None of the above.
2. Regulation of consumer credit
3. Open-market operations
4. Rationing of credit
5. Moral suasion
16. Providing bank finance to Self-Help Groups (SHGs) is

considered to be a part of __________.
1. Micro credit
2. Agricultural finance
3. Mobile banking
4. Rural banking
5. None of these
17. How much members would constitute the Monetary

Policy Committee?
1. 6
2. 5
3. 4
4. 7
5. 2
18. The RBI announced that with effect from 1st

April, 2016, banks will have to set their lending
rates based on a certain criterion. Which of the
following options describes that criterion?
1. Average historical lending rates
2. Rates set by the RBI for all banks
3. Rates set by the RBI and SBI
4. Marginal cost of funds
5. There is no such notification
PRACTICE Questions
SET-7
Answer the following questions by selecting the most (D) RBI provides financial help to private business
appropriate option: (E) RBI provides financial help to public sector enter-
1. According to RBI guidelines, payment banks will prises
not be allowed to issue 10. Which of the following is not a quantitative instru-
(A) debit cards (B) credit cards ment of credit control used by the RBI?
(C) prepaid cards (D) ATM cards (A) Bank Rate Policy
(E) gift cards (B) Open market operations
2. Banks are required to maintain a certain percent- (C) Cash reserve ratio
age of their deposits with the RBI in the form of (D) Statutory liquidity ratio
______. (E) Foreign Exchange control
(A) CRR (B) SLR 11. Which code is used in the NEFT system to conduct
(C) bank rate (D) base rate transactions?
(E) MSF (A) IFSC (B) MICR
3. Which of the following is/are part of RBIs open (C) SWIFT (D) IBAN
market operations? (E) SEPA
(A) Government securities 12. Which of the following is not owned and operated
(B) Bank commercial paper by the RBI?
(C) Foreign exchange operations (A) Bhartiya Reserve Bank Note Mudran Private Lim-
(D) Only (1) and (3) ited (BRBNMPL)
(E) All of the above (B) Deposit Insurance and Credit Guarantee Corpo-
4. Which of the following is a measure taken by the ration (DICGC)
RBI to control deflation in the country? (C) National Bank of Agriculture and Rural Develop-
(A) Increase in CRR ment (NABARD)
(B) Increase in SLR (D) Small Industries Development Bank of India
(C) Contraction in money supply (SIDBI)
(D) Raising repo rate (E) National Housing Bank (NHB)
(E) Decrease in SLR 13. Which of the following is not a quantitative instru-
5. Which of the following is not a part of policy rates? ment of credit control used by the RBI?
(A) Repo rate and reverse repo rate (A) Bank Rate Policy
(B) Marginal standing facility (B) Open market operations
(C) Exchange rate (C) Cash reserve ratio
(D) Case reserve ratio (D) Statutory liquidity ratio
(E) Statutory liquidity ratio (E) Foreign Exchange control
6. Deposit Insurance and Credit Guarantee Corpora- 14. Which of the following is not a main function of
tion (DICGC) is a subsidiary of ________. RBI?
(A) SEBI (B) RBI (A) Monetary authority
(C) IRDA (D) SIDBI (B) Issuer of currency
(E) SBI (C) Regulator and supervisor of the financial system
7. Headquarters of the National Housing Bank are lo- (D) Manager of foreign exchange
cated in _________. (E) Development of Five Year Plans
(A) New Delhi (B) Mumbai 15. Ways and Means Advances (WMA) are provided to
(C) Ahmedabad (D) Chennai _______ by RBI.
(E) Chennai (A) Central Government (B) State Government
8. Under a minimum reserve system how much amount (C) Local Government (D) Both (1) and (2)
the Reserve Bank of India (RBI) was required to keep (E) None of these
in gold and foreign exchange reserves? 16. RBI undertakes certain measures to control infla-
(A) Rs. 100 crores (B) Rs. 200 crores tion. Which of the following measures would prove
(C) Rs. 300 crores (D) Rs. 500 crores to be futile for the same?
(E) Rs. 500 crores (A) Hike in the repo rate
9. RBI in the official 'Lender of the last resort'. What (B) Hike in the bank rate
does that mean? (C) Purchasing securities in the open market
(A) RBI provides loan to every citizens (D) Hike in the reserve ratio requirements
(B) RBI financially helps state governments and cen- (E) All of these
tral government 17. Coins can be issued up to denomination of ______
(C) RBI helps banks to overcome financial crises according to the Coinage Act, 2011.
1 RASHID SIR
(A) Rs. 500 (B) Rs. 100 (C) improving CASA percentage of banks.
(C) Rs. 50 (D) Rs. 1,000 (D) mobilising savings bank deposits of banks.
(E) Rs. 20 (E) putting ATMs and other infrastructure to optimum
18. The RBI policy rate that is purely an indicative rate use.
used by the Reserve Bank of India to signal a long- 20. The functions of the Reserve Bank of India are:
term outlook on interest rates is the ______. (I) Issuing all notes and coins
(A) bank rate (B) repo rate (II) Distributing all notes and coins
(C) call money rate (D) notice money rate (III) Formulating monetary policy
(E) reserve repo rate (IV) Acting as agent of government in respect of India's
19. The Reserve Bank of India recently issued guide- membership of the IMF
lines allowing minors over 10 years to age to oper- (A) I, II and III (B) II and III
ate bank accounts independently with a view to (C) I, II, III and IV (D) I, II, III and IV
(A) promoting financial inclusion. (E) II, III and IV
(B) increasing low-cost deposits of banks.
2 RASHID SIR
PRACTICE Questions
SET-8
Answer the following questions by selecting the most (C) 20 to 30 years (D) 18 to 30 years
appropriate option: (E) 20 to 50 years
1. Excise duty is a tax levied on which of the follow- 11. What is the full form of NITI?
ing? (A) National Institution for Technological Initiative
(A) Production of goods (B) Purchase of goods (B) National Institution for Transforming India
(C) Export of goods (D) Sale of goods (C) National Initiative for Technological India
(E) Movement of goods beyond municipal limits (D) New Initiative for Transforming India
2. What is the coverage amount for full disability in (E) National Institution for Training India
the Pradhan Mantri Suraksha Bima Yojana? 12. Yellow Revolution in India is related to:
(A) 1 lakh (B) 2 lakhs (A) saffron cultivation (B) oilseeds production
(C) 3 lakhs (D) 5 lakhs (C) advertising industry (D) mango production
(E) 10 lakhs (E) crude oil production
3. Which of the following became the first airline to 13. Who conducts the regular sample survey for esti-
fly under the UDAN scheme? mating the poverty line in India?
(A) Indigo (A) National Survery Organisation
(B) Turbo Megha Airways (B) National Sample Survey Organisation
(C) Go Air (C) Sample Survey Organisation
(D) Air India (D) RBI
(E) Spicejet (E) CSO
4. Liberalisation of the Indian economy started in 14. What is the maximum limit for investment in
which of the following years? micromanufacturing enterprises?
(A) 1985 (B) 1994 (A) Rs. 10 lakhs (B) Rs. 25 lakhs
(C) 1991 (D) 1992 (C) Rs. 35 lakhs (D) Rs. 50 lakhs
(E) 1993 (E) Rs. 1 crore
5. We come across the term 'PPP' in financial news 15. What is the maximum limit for investment in small
nowadays. What does 'PPP' represent? service sector enterprises?
(A) Personal Per capita Power (A) Rs. 10 lakhs (B) Rs. 50 lakhs
(B) Public-Private Partnership (C) Rs. 1 crore (D) Rs. 2 crores
(C) Per capita Potential for Purchase (E) Rs. 5 crore
(D) Present Purchasing Power 16. Which of the following is not a Maharatna company?
(E) Pure Purchase Parity (A) GAIL
6. Which one of the following comes under macro-eco- (B) Coal India Limited
nomics? (C) SAIL
(A) Prof. Samuelson (D) Bharat Electronics Limited
(B) Paul Krugman (E) NTPC
(C) Dr. Mahbub-Ul-Haq 17. Which of the following states is the leading producer
(D) Amartya Sen of gold?
(E) Adam Smith (A) Madhya Pradesh (B) Jharkhand
7. What is the base year for WPI? (C) Odisha (D) Karnataka
(A) 2005-06 (B) 2011-12 (E) Chhattisgarh
(C) 2013-14 (D) 2004-05 18. Which of the following is the leading producer of
(E) 2014-15 rice in the country?
8. Each year, economic survey is published by : (A) Uttar Pradesh (B) West Bengal
(A) Ministry of Finance (C) Bihar (D) Punjab
(B) NITI Aayog (E) Chhattisgarh
(C) RBI 19. Inflation usually leads to:
(D) Indian Statistical Institute (A) rise in demand for money
(E) CSO (B) rise in money supply
9. What is the risk coverage under the Pradhan Mantri (C) rise in deficit
Jeevan Jyoti Bima Yojana? (D) rise in general price index
(A) 1 lakh (B) 2 lakh (E) rise in price of luxury goods
(C) 3 lakh (D) 5 lakh 20. What is the initial corpus amount of MUDRA Bank?
(E) 10 lakh (A) 3,000 Crore Rupees
10. What is the age limit for Pradhan Mantri Suraksha (B) 2,000 Crore Rupees
Bima Yojana? (C) 20,000 Crore Rupees
(A) 18 to 70 years (B) 25 to 60 years (D) 2,00,000 Crore Rupees
(E) 10,000 Crore Rupees
1 RASHID SIR
PRACTICE Questions
SET-9
Answer the following questions by selecting the most 9. Fiscal policy in India is formulated by
appropriate option: (A) Reserve Bank of India
1. What is the minimum deposit amount to open (B) Planning Commission
Sukanya Samridhi Account? (C) Finance Ministry
(A) Rs. 500 (B) Rs. 250 (D) SEBI
(C) Rs. 2,000 (D) Rs. 5,000 (E) CSO
(E) Rs. 10,000 10. 'Pradhan Mantri Jan-Dhan Yojna' has been launched
2. In a financial year, an individual investor can in- for
vest in the re-launched Kisan Vikas Patra upto a (A) promoting financial inclusion in the country.
sum of (B) providing loans to poorest people in the country.
(A) There is no upper ceiling on investment (C) providing financial help to the marginalised com-
(B) Rupees One Lakh and Fifty Thousand munity.
(C) Rupees Five Lakh (D) promoting women in backward areas
(D) Rupees Ten Lekh (E) promoting rural infrastructure
(E) Rupees One Lekh 11. How many characters are used in a PAN card unique
3. The official agency responsible for estimating Na- identifier?
tional Income in India is (A) 8 (B) 7
(A) Indian Statistical Institute (C) 10 (D) 12
(B) RBI (E) None of the above
(C) Central Statistical Organisation 12. The FRBM Act was first enacted in
(D) National Council for Applied Economics and Re- (A) 1999 (B) 2001
search (C) 2003 (D) 2005
(E) SEBI (E) 2009
4. The report of Vijay Kelkar Committee relates to 13. The present foreign trade policy of india pertains to
(A) trade reform the period of
(B) centre state financial relation (A) 2010-2014
(C) disinvestment in public sector enterprises (B) 2011-2015
(D) agriculture reform (C) 2012-2016
(E) tax reform (D) 2015-2020
5. The present Indian monetary system is based on: (E) None of the above
(A) Gold reserve system 14. Securities Transaction Tax (STT) is applicable on
(B) Proportional Reserve system which of the following securities?
(C) Convertible currency system (A) Derivatives
(D) Minimum Reserve system (B) Bonds
(E) None of the above (C) Debentures
6. Insurance sector in India is regulated by (D) Equity-oriented mutual funds
(A) RBI (B) CII (E) All of the above
(C) IRDA (D) SEBI 15. How much Foreign Direct Investment (FDI) is pro-
(E) CSO posed in the country's defence sector?
7. Commercial banks lend to which of the following (A) 51% (B) 49%
Priority sectors? (C) 29% (D) 10%
(A) Heavy industries (E) 100%
(B) Agriculture Small scale industries 16. What is the meaning of 'Gilt Edged Market'?
(C) Foreign companies (A) Market in Government securities
(D) State government in emergency situation (B) Market of smuggled goods
(E) IT Sector (C) Market of auctioned goods
8. 'Stand up India' scheme is related with (D) Market of Gold products
(A) promotion of entrepreneurship among SC, ST and (E) Market of commodity
women. 17. Blue revolution refers to
(B) promotion of rights of Divyangs. (A) Forest Development
(C) promotion of compulsory education for women. (B) Fishing
(D) promotion of Indian exports in western countries (C) Poultry Farming
(E) universal health insurance
1 RASHID SIR
(D) Horticulture (A) 1950 (B) 1960
(E) Dairy Farming (C) 1969 (D) 1979
18. Who is the Chairman of 15th Finance Commission (E) 1955
constituted in 2017? 20. The purchase and sale of securities by the Central
(A) Y.V. Reddy Bank is known as
(B) N.K. Singh (A) Variable Reserve Ratio
(C) Ashok Lahiri (B) Bank rate
(D) K.C. Pant (C) Open Market Operation
(E) Arvind Panagariya (D) Net liquidity ratio
19. Banks in India were nationalised for the first time (E) None of these
in the year?
2 RASHID SIR
International Report
1. Global Hunger Index Rank 1 - Norway

Published by IFPRI 130 - India
Rank 1 – 17 Countries 189 - Niger
102 – India
117 – Central African Republic 11. Global Gender Gap Report
Published by - World Economic Forum
2. World Giving Index Rank 1 - Iceland
Published by - Charities Aid Foundation 108 - India
Rank 1 - USA
82 - India 12. Global Innovation Index
128 - China Published by - World Intellectual Propertyory
organisation
3. Global Competitiveness Index Rank 1 - Switzerland
Published by - World Economic Forum [WEF] 52 - India
Rank 1 - Singapore
68 - India 13. World Inequality Index
141 - Chad Rank 1 - Denmark
147 - India
4. Ease of Doing Busniess Index
Published by - World Bank 14. World Safe Cities Index 2019
Rank 1 - New zealand Rank 1 - Tokyo
71 - India 45 - Mumbai
52 - New Delhi
5. Globel Corruption Index
Published by - Transparency International 15. Global Liveability Index 2019
Rank 1 - Denmark Rank 1 - Vienna
78 - India 118 - New Delhi
Rank 180 - Samalia 119 - Mumbai
6. Henley Passport Index 16. World Economic Outlook - By IMF

Rank 1 - Singapore & Japan
86 - India 17. World Development Report - By World Bank
7. Globel Peace Index

Published by - Institute for Economic & Peace
Rank 1 - Iceland
141 - India
163 - Afganistan
8. World Press Freedom Index

Published by - Reporter without Border
Rank 1 - Norway
140 - India
180 - turkmenistan
9. Global Happiness Index

Published by - UN Sustainable Development
Rank 1 - Finland
140 - India
156 - South Sudan
10. Human Development Index

Published by - UN Development Programme
1 RASHID SIR
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250 002 123

Bank Country City Branch

FINANCIAL INSTITUTION/INTERMEDIARIES of 10 banks into 4 banks (30 August, 2019).

Answer the following questions by selecting the most appropriate option:

1. SEBI is a/an 7. Mutual funds are regulated by _______.

Answer the following questions by selecting the most appropriate option:

16. SEBI allows retail investors to apply for share of

17. What is call money?

Answer the following questions by selecting the most appropriate option:

Answer the following questions by selecting the most appropriate option:

13. In the capital market, the term arbitrage means

15. Which of the following is not a component of the

16. _______ usually invests the entire corpus in a mix of

17. Which of the following is not a money market

18. What is the full form of ASBA?

16. What is the full form of NPS?

17. Which of the following is liability product for a

18. Which of the following is regulatory authority for

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14. White Label ATMs are owned and operated by-

15. What is ECS?

16. Which one is not an e-wallet?

17. _______ is an electronic fund transfer service that is

18. ‘Retail Banking’ is also known as ________

19. Timing of NEFT in India?

10. The Kisan Vikas Patra is not available to investors in

16. Providing bank finance to Self-Help Groups (SHGs) is

17. How much members would constitute the Monetary

18. The RBI announced that with effect from 1st

1. Global Hunger Index Rank 1 - Norway

6. Henley Passport Index 16. World Economic Outlook - By IMF

7. Globel Peace Index

8. World Press Freedom Index

9. Global Happiness Index

10. Human Development Index

U can join our telegram channel by using the following link:

yha apko or bhi bahut imp study material milega

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