Banking and Finance Bangalore University

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QP - 540 ..:40 =
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v SEMESTER B.A./ts.SC.IB.C.A./B.SC. (FAD) =
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Version Gode ExAMrNATtoN, uanffin L 2022 (31
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(CBCS) (F+R) (2016-17 and Onwards) (ile9.
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TimeAllowed:SHours
(Non-Core)
BANKING AND FINA
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ru Maximum Marks : 70
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INSTRUCTIONS TO C DATES
1. lmmediately after the commencement of the Examinationi you should check that
this Booklet does not have any unprinted or torn or missing pages or items, etc.
lf any of the above defects is found, get it replaced by a Complete Question Booklet
of the available series.
Z. Write clearly the Question Booklet Version Code A, B, C, D or E in the appropriate
space provided for the purpose, in the OMR Answer Sheet.
3. Enter the name qf the Subject, Reg. No., Question Booklet version code and
affix Signature on the OMR sheet. As the answer sheets are designed to suit the
Optical Mark Reader (OMR) system, special care should be taken to fill those items
accurately.
4. This Question Booklet contains 55 questions, PartA contains tlO questions of one mark
-
-
each. Part B contains 15 questions of two marks each. AII questions must b€
attempted. Each question contains four answers, among them one correct answer
should be selected and shade the corresponding option in the OMR sheet.
5. All the answers should be marked only on the OMR sheet provided and only with a
black or blue ink ball point pen. lf more than one circle is shaded / wrongly shaded i
half shaded for a given question no marks will be awarded.
6. Questions are in both English and Kannada. lf any confusion arises in the Kannada
version, please refer to the English version of the questions.
7. lmmediately after the final bell indicating the closure of the examination, stop making
any further markings in the OMR Answer Sheet. Be seated till the OMR Answer Sheet
is collected. After handing over the OMR Answer Sheet to the lnvigilator you may
leave the examination hall.
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doero*dndaoo: od dnd do erlud>cb.
Note : Engtish version of the instructions is printed on the front page of this booklet.
Itlllilllilllllllillllllllllilllll -3- ep - 540
PART _ A
eryorl -a
Answer all questions. Each question carries one mark : (40x1=40)
iero_ d,qdddlC erudox.,. $3Cnod:
$ 24 -.0 r {dgi
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1. A customer has been defined in

a) Banking Regulation Act b) Negotiable lnstruments Act
c) Anti-money Laundering Act d) KYC Guidelines
nr,ad
) ;ca::dd:,:e
-"( .. uoânîierJRcJ
d d'
?
a) zoroEon'' ec:o$E6E 6Dobd b) drtoeao3:euer .aafio*d:o{ rao0:d

c) srotJ-ab& oodoorf'uaci:d d) d.d.,qr. rl6so el.rq
2. Arbitrage is
a) Buying and selling in two markets simultaneously
b) A rate of interest
c) A fee
d) A dispute
ei%ge?tr aodd
a) .rdd dradrdqo$O- adroe.:d0, $oea aarb dnuou-l
b) zcqdd
c),d $o,
d) aamd
3. The objective of the government to appoint Narasimhan Committee is

;
a) To strengthen the banking system 'b) To improve customer service

c) To strengthen the credit portfolio d) None of these
Sardd ddlcdan itu.sos>dl ded:d dnad *qrd
a) ugoson'' dddic$d1 ue-rdaier> b) rydd dedoJ: e:4{q
c) $eur aroda;od ue-:daiel d) Cnddo ery
SPACE FOR ROUGH WORK
B
- 540 '4' lllffi illl il ililllllllllll llll
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4. What does the letter 'l' denote in the term IFSC ?
a) lnternational b) lndian
c) lndegeneous d) lnter-bank
I FSC o$O-'l' addldn?JiDgd ?
a) uoddoetueo3r b) qrodSeob
c) de9eoJ: d) erodd-z;iarod
5. where is the Head Quarter of Reserve Bank of lndia ?

a) Mumbai b) Delhi c) Kolkata d) Ahmedabad
qndSeo$ oda"r ?,tr.otrd -'gpd d$eo aO$ ?
n
a) droafi b) ddO c) Eoeo*q d) udd:oauouf
6. Full form of SLR

a) Statutory LiquiditY Ratio
b) State Level Recovery
c) Statutory Leverage Ratio
-t
I d) State LiquiditY Ratio
,- sLRd a{ddod
a1 sal*rrt^lo osdau3 d*dg (m*d3{.$amr$aoa)
b) {Sr.r eJdef oddo (cnardruld dxoeDe)
c1 #;*rre-.o oddef d*do, (m{du$sod:drr ud:aad)
O1
{er^rOEoa$
d*d^, (-o, {d, el&aad)
7. When was lndian Banking Act came into force ?
a) 1948 b) 1949
c) 1950 d) 1951
pd8eo$ zroroEorf' roo3)d olnmrl moCnd>d: ?
a) 1948
. b) 1949 I c) 1950 d) 1951
t'r
8. Banking Ombudsman is aPPointed bY
a) Central Government b) RBI
c) State Government d) EXIM Bank
?Drod t ou{d:o"dd1de*d dra&ddd)
a)-deo{ irord b) RBI
c) oa% irord d) EXIM ?Drod
t B
IllilffiIlflillillil][ilttil QP - s40
9. Which of the following is unorganised sector ?
a) RBI b) sBr
c) Money lenders d) Lrc
ddnd o3Ddcb erdoflu3d dso$amnd ?
a) RBI b) sBr
c) deod eJeaadeaoadd: d) Lrc
10. Current accounts are mainly opened by

a) Professionals b) Agriculturists
c) Salaried class d) Businessmen
zm e ando3:d1 d::$ran n ddcbddd)
a) de ddd) b) da*a:
c) doud drlrd agd o) otraad{d:
11. which of the following is not a public sector bank in rndia ?

a) Federal Bank b) Karnataka Bank
c) Union Bank of lndia d) sBr
n{dd0_oSndC spDdddO_ xadru&d de.ro$d t,o,od> eo_? t-.
i!
a) frdder zDro6" b) doaruîd zrorou"

c) oJlo0o$o" zP,oaf elqf .aoBoln d) SBI
12. Under which Commission was RBI established ?

a) British commissipn b) Union commission
c) Composite Commission d) Hilton Young Commission
o]lad e:oloedd eaoJlOo.a
RBI xnddriooad:.1
a) $tJar qro3oed b) e.drge^l eroJoed
c) ioobd so3oed d) b?fl o$onf eroloerl
4
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- 540
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QP
13. Which is the Central Bank of lndia ?
a) SBI b) RBI
c) DLB d) HDFC
qDddd deo{ mros o$Dd)& ?
a) SBI b) RBI
c) DLB d) HDFC
14. KYC means

a) Know Your Card
b) Know Your Cost
c) Know Your Customer
d) Know Your Creditor
KYC c: erdr
a) doe obdcr rodr (Pqtadrdlse&droq
b) doe o]rldd taq(o{ daf oed>dn$
c) doe osr:dd d{$o (e{ ryaddd1oed:doe)
d) doe orr*, gGucf (e{sae'rnaddd:oaed:dne)
at
15. First printing press of bank notes in lndia was established
a)su,,tb)Nasikc)Aurangabadd)Kolkatta
qnddd dodo doeuu $:{maood: xo*adaocbt 3U-? ,\
a) doda b) an:.rr c) Edorrozrocf d) doeelo
of smart card ?
16. Which Committee has recommended the introduction
,/r
a) Rangaihian Committee Of
.Sarat
Committee
c)NayakCommitteed)PannirselvanCommittee
o$ad ia:eorr &dreddd abedri Egrsr oa"rdldoz3oudenoo:d: ?
a) dodcn?if itue b) ioaf ia:e

c) ood:d da:g d) dqeo'iedd ia)g
B
Illlilillliltfiiltilfiililtilil -7- QP - 540
17. The ratio of the cash reserves that the banks are required to keep with RBI is
known as
a) Liquidity ratio b) Statutory liquidity ratio
c) Cash reserve ratio d) None of these
deogi zroroEd erdedd d:edri unrod:dtb deo{ unroSdO-edzJerod dd& iod{ma
erd:mddd1 adod: dd$)d$ ?
a) $an d:aod b) mnoa{d giaar&aad
c) drld: a;eiel erd>and d) .addde- oln$do ue.r-
18. Bank rate policy is the method of credit control.

a) Quantitative method b) Qualitative method
c) Weighted Average method d) All of these
ze.odJ
?)
dd ceecr> dQ --o
po:od,eod
J
aqodaand.
a) dodn*{d oaDd b) rbma{d epad
c) doraod doaio oAEd d),6Y aodo
19. Which bank was earlier imperial Bank of lndia ?
a) lndian Bank b) SBI c) RBI d) UCO Bank
zpddd CDd z,rorod> dpozi oao&eoo$er zmroranQ ?
a) qad8eo *r:, b) SBI c) RBI d) UCO zm,od
20. Who regulates printing of money in lndia ?
a) Government of lndia b) RBI
c) SBI d) SEBI
qro ddd0_deod dr{ eaddl e d: ogioddd CD & ?
a) qDdd iuord b) RBr

c) SBI d) sEBl (Hs)
21. What are the ffcilities available to the customers through ATM ?
a) Cash deposit b) Balance enquiry
c) Withdrawal of cash d) All of these
ATMd d:nod ol:Dd ieddd$ '4, rn,ddd: ddoJ:u$mnd ?
a) drlcb aadcad , b) eroes'Jo$ ez,rodd
c) ddd boddcbad d) .re.r3{p
B
QP - 540 -8-
22. Which bank is the lender of last resort ?
a) SBI b) RBt c) SEBI d) rctct
otEd t,qrof eeo8db ubeamd ?
a) SBI b) RBI c) SEB| d) rctct
23. Where was the first bank in the country started ?
a) Jaipur b) Mumbai c) Kotkatta d) Pune
. (v) o.dodo zoôd:
zpdddo_oQ -d--- ar-addriooa*
-A-.'.-- r
a) {dd b) droafl c) dnec*E d) d)d
24. ln NEFT 'E' signifies
a) Electronic b) Elevation c) Electric d) Eligible
NEFTdO_ 'E' addlio?JiDgd ?
a) aeJror&d b) aOdedaf c) .reJfuao d) aOde;er
Expand RTGS.
a) Real Time General Statement b) Real Time Gross Settlement
c) Real Time Gross System d) Real Time General System
RTGS d: aioa.
4 --o
a) oo$ef €dr" trddef {er,faboetr b) oo$ef €df ngFi6 doefd)otf

c) ooJ:er €drr rtsEc A{rlr d) oo$ef €df esddef :,{dr
26. Who regulates money circulation in lndia ?
a) State Bank of lndia , b) RBt
c) NABARD, d) Government of lndia
tpddd0_dead zienddo$dl eo$o$noddd: o1:a& ?
a) *0.tr zn,o6" erd qoao$a b) RBt
c) NABARD d) 6Ddd drord
B
Itilililt]iltil]iltllllliltil] -9- QP - s40
27. Expand CBS.
a) Core Banking Solution b) Core Banking Software
c) Core Banking System d) Core Banking Service
CBS dlado,l.
a) doeo zuaroEon{' douordat" b) doeO zraroEon{' soddeoo
c) doeo zroro8onr,t{Frc d) dneo" zroro6on{' iars"
28. what is the most powerful tool used by RBI to control inflation ?
a) lncreasing interest rate b) lncreasing money supply
c) Reducing interest rate d) Reducing production
10o$o$del gndeeoJ: odatrr u'D.,otr udipd qed olDdcb ?
,4
daJd
u b) deod dodrtoo dqd
c) uqddd qed d) wo;Cdod: eed
29. lnterest rates charged by banks in lndia have been in recent years.
a) Declining b) lncreasing c) Stable d) Volatile
"a$ee^:d ddrddO_zpddd0_ zgod uqdd
a) $lo1>ed b) a&gd c) Ad- nd d) aoedAqdrohd
30. Who will settle the grievances of customers in banks ?
a) RBI L b) sBr
c) Local Courts d) Ombudsman
molfrl*O_rgdddd;c*doddriddlolDdc"adrdrrioeioEd?
a) RBI n) Ssl
c) {eeo$ oarolne.:o3t d) rouqabor
31. Banking ombudsman has been constituted under which Act ?
a) Banking Regll,ation Act
1
b) RBI Act
c) SBI Act d) coPRA
clD d ro obdo$ aod: O_zg oE o rf' r ou
{d:N' d$deD ocrd> ?
a) urroEon' eo$o$6a uoo0:d b) RBI rro0)d
c) SBI roocrd d) rydd iodd;o- roog:d (coPRA)
B
QP - s40 -10- illlilll tilil] llilililil
32. Which card is called as agricultural credit card ?

a) ATM card b) Credit card
c) Kisan credit card d) None of these
dua nac.rd rodr .rod: o$Dddqddoil:qd !
a) au:odr" rodr b) gauf raarr
oo..
c) 6xaor $aotr 6Da"r d) ^{nl.rl^
ln-4..,C^Js,/ I (^,LJ !J \, \,
cn
33. Who can open bani< accounts ?

a) lndian citizens b) Public
c) llliterates d) All of the above
o$a& uD,od eodo]cdlddoJ:ud>d> ?
a) qadseo$ ddrld) b) sadra;0dd:
c) erdd*d{d> d) d:eOd- ae-:do
d)v
34. When was RBI established ?

a) 1925 b) 1935 c) 1945 d) 1947
qnd8eoJ: oia"r ?,Ja.,od oinand na*ddrinoa$ ?
a) 1925 b) 1e35 c) 1945 d) 1947
35. Who is the present Governor of RBI ?

a) Dr. Rdghuram Rajan b) Manmohan Singh
c) Uriit Patel d) Dr. Shaktikanth Das
qadseo$ odarr uEor"d digd riddro otD& ?
a) E J. dfrooad:" oaasor b) abafdroedaf ton"
c) enn*re dn3eer d) a-o. djrooe 6"rxr
36. Which one of the following is the most important relationship between banker
and customer ?
. a) Debtor and Cr:editor b) Bailee and Bailor
c) Personal d) None of these
ddnd qlDdcb edrod erldrmd anrodo oadn ryddd dd:ad iouofraand ?
a) ;o0rl &{
soe.rrnd b) roa:eOii d:dJ esotued:errd
c) {oojd d) oJndrdn ere.:(.a
B
llilllllllffllllffillllllilllil -1 1- ep - s40
37. Dishonour of cheque by a banker without any justifiable reason is called
a) Valid dishonour of cheques b) Wrongful dishonour of cheques
c) Negligence dishonour of cheques d) All of these
zn, odo" oln { d e oo, ob" q ro d ea d ed d Xd*d1 er dn d, rlo eio{ cb
a) z3{d dd>oxiaod edndd b) ?^3Sdd oaro$arabd edndd

c) r3{d d:eod ee.rrfud erdndrd d) aexlo
38. How Commercial Banks can regulate money supply ?

a) Printing of one rupee notes
b) Savings and time deposits
c) Provision of high de-nomination notes
d) Creation of demand deposits
msd% zarod:rlsb derl dead dBd.Jdo$$ &oJ:o$dudccb t ,
a) z.od: doaaoo doet"u drdt

b) weao$ db* eoe.r xdn addd
c) en:{d dfoe.:rd dro eo^prid E&rld
d) zjead dedrdrid d+ped
39. lncidental charges are levied on which type of account holders ?

a) Savings Account b) Current account
c) Fixed deposits d) None of these
oJDd aodo$ d>eeJ agiond ddrldd:*aadenrb$d ?
a) w.9ac$ and b) zoo and
c) eOr{deded aDd d) odn{do ue.r_
40. Minimum period of a certificate of deposit is
a) 15 days b) 30 days c) 10 days d) 7 days
deded {#eadgd de{ede
a) 15 add$b b) 30 odrl$b c) 10 odrl$b d) 7 oddqt)
B
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-12- I
QP - 540
PART - B
aqrDrl - ?)
(15x2=30)
Answer all questions. Each question carries two marks :
aeD- d,d"rid&,{ eru{o:,. $3o3oo& {d;i ad& eodrld': :

c-, J4
41. On which date, RBI was established ?
a) lttSePtember, 1940 b) 1sth August, 1947

c) lutApril, 1935 d) 26th January, 1950
RBI C>aarl na*ddrioocd: ?
a) 1 d-.1oud, 1940 b) 15 orl4, 1947
c) 1 ago, 1935 d) 26 esddO, 1950
by
42. Theissue of bonus shares to the existing shareholders.should be authorized
a) Articles of Association
b) National Company Law Board Tribunal
c) Ordinary Resolution of the Company
d) All of the above
de&oadori z3o edn" de&dddlped:d erQao d
a) ut :rde4 -uryr er-aioe:,o3:edd
b) oageorr dodO odo$ no{
c) dod-ooJr ;odnd, &Q-ord
d) d:e0d DOFP
43. lf the customer draws money, pays money and does other banking activities
through online, it is called
a) lnternet bqnking ' n) Universal banking
c) Ordinary banking d) Wholesale banking
uo"eJran droe-:dde dea ddcbdd), dea drord# *D&deb $Q edd
rydd&
mroEon{' drdaad dnadd odq aod ddo$enrb$d.
a) etodtoro troro6on{' b) o3r)edirer z,oro3on6'
c) xadnd, zroroEorf' d) doeerdeef zroroEonr
B
I lililll il|il lil lilll llil lill llll -1 3- QP - 540
44. RBI grants for agricultural purposes
a) Only short term finance
b) Medium and long term finance
c) Short term and medium term finance only
d) Short, medium and long term finance
dra wdedradR RBI dod:d noe.r
a) erodB dn$
ôo
b) $dddDdp $Q aeryardq EDe
c) eerodq $* rbdrd.ndQ;,-ao dn$
d) uend6, ab{*ad6 d:* aeryordp nae.r
45. The most liquid asset is

a) Gold b) Bill of exchange
c) Government Bonds d) Cash
dz$?,]JO
d.d^ sx, oodd
-0
a) ?^3{ b) ae$o$ d>oG
c) iroro qJddrl$b d) drlcb
46. lndia has different categories of Commercial Banks. Which of the following is
not one such cate$ory ?
a) Co-operative Banks b) Commodities Banks
c) Nationalised Banks d) Private Banks
qraddd ms% zuarod:r'ldo_ erded Ddd zmrodlrled. ddnddrido_ o1>add: * rbo&ri
ied:droeea'?
a) idaoo mro$rlsb b), id$ zgod>dsb
c) oagedrd ugod:d+tl d) aain zoro$d*t>
47. Who regulates the Mutual Funds in lndia ?
a) FRBI b) sEBr c) SIDBI' d) RBI
zpdddO_ dd{d OO (*gr$der froa"),id,$"c"& cor:ogioEd ?
a) FRBI b) sEBr c) SIDB! d) RB!
B
Qp _ 540 _14_ lllllllllllllllllllllllllllllll
48. Rationing of credit is a .-- method of credit control.

a) Quantitative b) Qualitative
c) Both a) and b) d) None of these
xae.:d dadddt d{ oocogtd eaad.
a) dodn*{d b) rbm:a{d
c) a) $* Ol addo d) otnddo eo-
49. According to RBl, open market operations are

a) Trading in securities b) Auctioning
c) Transfer of gold d) All of these
RBld 6-d dr:g dDdrduf, uool:rrlsb aodd
a) zP{dridO- drdaad b) doarc aa$ad
c) zs{do$ drordd d) ae4{P
50. When was Reserve Bank of lndia nationalised ?
a) 1e47 b) 1948 c) 1949 d) 1950
zpa dS e clr oiatr r uD, ot" oa.geddea rin o acb. alnam rl ?

a) 1e47 b) 1e48 c) 1949 d) 1e50
51. What is call moneY ?
a) Money borrowed or lent for a day or overnight

b) Money borrowed for more than one day but upto 3 days
c) Money borrowed for more than one day but upto 7 days
d) Money borrowed for more than one day but upto 14 days
dd dea 4pdded: ?
a) uocb odd drrdri eldaa rod: Addodrnn:oe.: d$d& erduo do$dd)
b) z"od: od d>ee.:1,o. dlra& odddddrl dea xao d&dcb
c) uocb ad abee-:tû asb adrldddri dea;os d$dd>
d) uod: ad d>ee.:to doinur* adrldddri dea xao ddrdcb
B
Itflltil ilIil il ililtililtililtil -15- QP - 540
52. Which is the first organization to provide credit history of the borrowers ?
a) CIBIL b) cil
c) IRDA d) FRBI
- 4 o$Dd iodoll
xaeriodd nae":d.a3aaidd:
a
udn$dd ?
-o--
a) CIBIL b) cil
c) IRDA d) FRBI
53. Hypothecation is applicable in the case of

a) Movable property b) Immovable property
c) Book debts d) Corporate guarantee
etddndd er{ ol:ao rb{r C>
a) t3d ei:Jrl$b b)'Q-0:roldeb
c) d)dd saerlq;b d),?)Jerudd> an&
54. Who among the following issues metallic coins in lndia ?
a) RBI b) Government of India

c) Banks and Financial lnstitutions d) Any of the above can issue
5i ddnddrlde_ zpdddo_ o1>a& eJoedd inearrlddlfug-ADd eprod dooad:Ed t
a) RBI b) qDdd irord
c) zn of aado dgauatd ioidqb d) €r abeOd oe,:;to
55. The share of profit a shareholder will receive is called

a) Dividend b) ,Surplus
c) Net profit *1
d) Retained profit
ue,g ded:co ddr ddo$ud:cod Ceod enqn odddl & eri$ndd:
a) enq:ood b) da$;do
c) e{d mqJ ,d) enqjd $&ded
B
UG-342
6
v SEMESTER B.A./B.sc./B.C.A./B.SC.(FAD)
EXAMINATION, MARCH/APRIL 2021
Version Code
(CBCS) (F+R) (2016-17 and Onwards)
SOFT SKILLS (Non-Core)
D Banking and Finance
Time Allowed:3 Hours MaxlmumMarks: 70

D
INSTRUCTIONS T0 CANDIDATES
1. Immediately after the commencement of the Examinatlon, you should check that
this Booklet does not have any unprinted or torn or missing pages or items, etc.
If any of the above defects is found, get it replaced by a Complete Question Booklet
2. Write clearly the Question Booklet Version Code A, B, C, D or E in the appropriate
3. Enter the name of the Subject, Reg. No., Question Booklet version code and
affix Signature on the OMR sheet. As the answer sheets are designed to suit the
Optical Mark Reader (OMR) system, special care should be taken to fill those items
accurately.
4. This Question Booklet contains 55 questions, Part- A contains 40 questions of one mark
each. Part- B contains 15 questions of two marks each. All questions must be
attempted. Each question contains four answers, among them one correct answer
should be selected and shade the corresponding option in the OMR sheet.
5. All the answers should be marked only on the OMR sheet provided and only with a
black or blue ink ball point pen. If more than one circle is shaded / wrongly shaded /
half shaded for a given question no marks will be awarded.
6. Questions are in both English and Kannada. If any confusion arises in the Kannada
version, please refer to the English version of the questions
7. Immediately after thefinal bell indicating the closure of the examination, stop making
any further markings in the OMR Answer Sheet. Be seated till the OMFR Answer Sheet
is collected. After handing over the OMR Answer Sheet to the Invigilator you may
UG-342
OS5e KADTp . a . / . a , / . A . a . / . ( . a . a . )
oeE, D3 F/Da 2021

(2DA)(+ eo)(2016-17 zbs) Bosdsdor)
D
noa badd:3 oasreb Toa eosrcb: 70
am,rivebar) aJoeddd dbedd odnde doed dodotuocto.otab tabdbna eadbs dozoror
2. AdatH Tadr ioea A, B, C, D eqaso E odba (OMR) evdd adë,dodbe s n dIeDNdD
3. ngoaigtab (t.30.s.) sord arioztad zvdo zoem sots, saotocis os, ba s i z r
4. do 55zakaroca ppr-a40 idnsrocachgeoiaoct uocb eod oia a r -

15
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6. 5eb s ab sor,mdoedbgs. ta zde tote voundd, doatssu, sor, pdos serne

riaxbxbays
7. dordesabmotoabaine3zbs coo3zb gposd tnbAd ae (OMR) eugdazisotboampde ribcbb andjab
zdoemdndacdocd asnd äoertabtb

Note: English version of the instructions is printed on the front page of this booklet.
3 UG-342
PART A
Answer all questions. Each question carries one mark. (40x1=40)
1. "Ombudsman" is the authority appointed by

a) RBI b) SBI c) EXIM Bank d) PNB
a) RBI b) SBI d) PNB
2. Who is the present Governor of RBI?

a) Urjit Patel b) Dr. Raghuram Rajan
c)Dr. Shaktikanta Das d) Bimal Jalan
a) enocdr diieor b) . daoDas D o

d) b e e T
3. Who will settle the grievances of customers of Banks?

a) Reserve Bank of India b) Ombudsman
c) State Bank of India d) None of the above
a) yodaeatOT mo b) 0wa
c) deeod) ie o d) e o odnado ee
4. KYC norms were implemented in 2002 as per the directive of

a) SBI b) RBI c) IRA d) IDBI
2002 to KYC aow eotsb ad aircesd abedi zori sdonctba
a) SBI b) RBI c)IRA d) IDBI
D
UG-342
5. What does the letter 'S'

denote in the term IFSC ?
a) Subscriber
b) State
c) System
d) Source
a) surwo (dotomt)
c) ( b) (oz)
d) oeF (ONO)
6. Who is primarily responsible for promissory notes?
a) Holder
c) Drawee
b)Maker
d) None
a) aoeeD
b) beso
d) ouedo ee
7. Which of the following is not a public sector bank in India ?
a) Andhra Bank
b) Federal Bank
c) IDBI Bank
d) Vijaya Bank
a) sog o 5
c) IDBI p,O
b) dde n o
d) odbe .O5
8.
Hypothecation in applicable in the case of
a) Movable goods
b) Immovable property
c) Book debts
d) Corporate guarantee
a) 5d rdbrieb
b) Arso
c) orsb
d) evtsDETDS
D
UG-342
9. Under which Commisslon was RBI ostablished ?
a) Hilton Young Commisslon b) British Commisslon
c) Composlte Commission d) Union Commission
odaa ewodoerid eaadO RBI
a) t e adoo uodoer
DSriooadb p
b) chsa wodne
c) docdbor odoe d) wdow uodoen
10. MICR Is a digital code.
a) 9 b) 11 d) 13
c)7
MICR
a) 9 b) 11 c) 7 d) 13
11. Minimum period of certificate of

a
deposits
a) 15 days b) 30 days c) 10 days d) 7 days
a) 15 Oxrdo b) 30 Dstb c) 10 reb d) 7 Odi
12. A person is given ATM card, if he has, account.

a) Savings Account b) Loan Account
c) Term Deposit Account d) None of the above
3D3 unoddo ATM maF edeorbss.
a) enveadab Jnd b) med n 3
d) dbedd odoaydo ee
13. The services that cannot be received through ATM.

a) Drawing cash b) Cash payment
c) Balance enquiry ,d) Asking for credit
ATM &oOd MJsdb driodbworid sesneo
a) sidb &oosdtdodaoa b) srncb aoDs
c) eveoDodb adoBees d) D decba)tts
SPACE FOR ROUGH wORK
D
UG-342 -6
14. Who among the below has not served as RBI Governor ?
a) Y. V. Reddy b) Bimal Jalan
c) Manmohan Singh d)S. M. Krishna
8ens ododb RBI 3 rsdro en deas rOBdb ?

a) da b) e n OT
c) i i o r T o d) . a.
15. Where was the first bank in the country started at ?
a) Jaipur b) Mumbai
c) Kolkata d) Pune
a) o b) ooo
c) nreB d)
16. In NEFT 'E' signifies
a) Electric b) Electronic o)Elevation d) Eligible
NEFT obo E'.
a) as b) s p o c)Oeur d) d w T
17. Expand RTGS.

a) Real Time General Statement
b) Real Time Gross Settlement
c) Real Time Gross System
d) Real Time Great System
RTGSaOA
a) odbe T U Reesibos
c) oodber ma
D
UG-342
18. What is C.R.R.
a) Cash Reserve Ratio b) Current Ratio Rato
c) Revlew Report d) Credit Rating Record
a) aa bTas" F deacdo (Tnso eres

wabauos)
b) ddo deaiodo deu (dxbs erbwDs do)
c) O ooebF (sFabdF ato sdo)
d) a detso dsosF
19. Current accounts are
mainly opened by
c) Salaried class d) Trading and Industrialists
a) dorosd
b)addb
c) rows srNrd us d) Dd odri rowotsaseyst
20. EEFC is
a) Exchange Earners Foreign Currency Account
b) Importers Account with RBI
c) Exporters Account with RBI
d) None of the above
EEFC Dodo
a) nabad redtodd ocseb ddoans
b) RBI oooi esabrbraddb aooddba nd
c) RBI iooori dapmddb aiooddb d
d) doeds odnayio e
D
UG-342
21. When was Reserve Bank of India Natlonalized ?

d) 1950
a) 1947 b) 1948 c) 1949
4yDTBead OXES"'F UROb" OD¢ddrortnolatdb adUoori ?

d) 1950
a) 1947 b) 1948 c) 1949
22. When was Indian Banking Act came Into force ?

d) 1951
a) 1948 b) 1949 c) 1950
d) 1951
a) 1948 b) 1949 c) 1950
23. When was Reserve Bank of India established ?

a) 1915 d) 1945
b) 1925 c) 1935
a) 1915 d) 1945
b) 1925 c) 1935
24. The word 'bank' is derived from

a) German word 'Back b) Italian word 'Banco
c) Words Bancus or Banque d) All of the above
a) a b F dd Backk b)asododos a 'Banco'

c) Bancus sTan Banque adoreo d) oeos eA
25. Which of the following is not part of India's money market ?
a) Banks b) Bill Markets
c) Call Money Market d) Indian Gold Council
a) o T e b) th apdbötirsb
c) to dod dndbdes d) DdBeadd zdz 5
D
9 UG-342
26. NABARD was setup on
a) 1970 b) 1952 c) 1982 d) 1972
NABARD Tpodriod»d Jads
a) 1970 b) 1952 c) 1982 d) 1972
27. How many banks were nationalized in 1969?
a) 12 b)-14 c) 15 d) 13
1969 d o8brkes ona eddeorieeTenadb?
a) 12 b) 14 c) 15 d) 13
28. Which is the Central Bank of India ?

a) RBI b) DLB c) SBI d) HDFC
2TDTeeob deot, poa odpab ?
a) RBI b) DLB c) SBI d) HDFC
29. How many banks were in second phase of Nationalization ?

a) 4 b) 5 c) 6 d) 7
a) 4 b) 5 c) 6 d) 7
30. When was Lead Bank Scheme introduced ?

a) 1967 b) 1968 c) 1969 d) 1974
a) 1967 b) 1968 c) 1969 d) 1974
31. Which bank is also called as investment bank ?

a) Exchange Bank b) RBI
c) Industrial Bank d) Agricutural Bank
a) abob Ro8 b) RBI

d) a no
D
UG 342 10
32. First printing press for bank notes in India was established at
a) Kolkata b) Aurangabad
c) Nasik d) Surat
a) does b) RoorDT
c) d) Aodor
33. What are the facilities available to the customers through ATM ?
a) Cash deposit b) Balance enquiry
c) Withdrawal of predetermined limit d) All the above
ATM EeT odnas asreao mat zdoDaDNd?
b) evsDad zOdorTS
a) ano b o s
c) o r aGDFOI ADBodbo o zddodoss d) ibedT e
34. Which of the following is unorganised sector?

a) RBI b) SBI
c) Indigenous Banks d) LIC
a) RBI b) SBI
d) LIC
35. Which bank is Lender of last resort ?

a) RBI b) SBI c) SEBI d) ICICI
a) RBI b) SBI c) SEBI d) ICICI
36. KYC means

a) Know Your Card b) Know Your Cost
c)Know Your Customer d) Know Your Creditor
KYC odb SgF
a) aoe odvaso TosF ( T o F 89bio)
c) aoe odosso Bzpo ( eBtoah 89dbäA)

d) see adwaso as30 (BTerDITÄ) BETio)
D
11 UG 342
37. Who controls credit in India ?
a) Government of India b) Reserve Bank of India
c) State Bank of India
d) Indian Bank
a)d3 aDFd b) Ddeeado ozas 2o0

c) ydeeod Reés po d) aoaodb oa
38. Who is the first Governor of RBI?
a) K. A. Narasimhan
b) V. K. Malhotra
c) A. K. Vadia d) A. B. A. Smith
DUIT RBI ioTo rsTFo apdb ?
a) d. a sdsos b) 8 . bdpg
d)
39. The primary relationship between banker and customer iss a.
relationship.
a) Mutual b) Contractual
c) Personal d) None of the above
a) dod b) #oDo
d)bedsodpaydo s
40. A cheque is dated 27/10/2020, the due date is
a) 27/01/2021 b) 28/02/2021
c) 27/03/2021 017202
wort i s sabood aDOd 27/10/2020 do ariad dmod
a) 27/01/2021 b) 28/02/2021
c) 27/03/2021 d) 7/01/2021
D
UG-342 12
PART B
Answer all questions. Each question carries two marks. (15x2-30)
41. Who can open bank account ?
a) Indian Citizens b) Publics

c)Iliterate d) All of above
odpdo p.oB 30D3odoa
3dadbexbtdb?
a) Ddaeadb agesries b) odsRETb
c) dod C
d) beor O
42. Rationing of credit is a. method of credit control.

a) Quantitative b) Qualitative
c) Both d) None of the above
a) ad6xpDTE b) rDED
o)dtz d) bedz oiDHTiA
43. According to RBI open market operations are

c)Transfer of gold d) All the above
RBI 3 a d aboy andbdes ocdbr rieb sodo

a) dtsid md b) aop oEDDË
c) 23 SrMrss d) abeds ego
D
UG-342
13
44. Indigenous banks are controlled by
a) RBI
b) Finance Minister
c)RegisteredCo-operative institutions d) None of the above
a) RBI
b) arso Dos
d) odnide
45. Full fom of SLR
a) Statutory Liquidity Ratio
c) Sundry Leverage Ratio
d) State Liquidity Ratio
SLR 3da
a) 3L30 OJau deacie (ased da3aand)
b) sis b8so (e
abs
c) o2 söee Bezcde (t2ed Dab Aad)bs)
d) S au dcdo ( d bans)
46. Banking Ombudsman has been constituted under which Act ?
a) Banking Regulation Act b) RBI Act
c) SBI Act d) COPRA
a) soT aboz Bi b) RBI 5OS

c) SBI sDc d) r Tso 5DCs (COPRA)
47. Which bank receives depositsfrom public?
a) Commercial Banks b) Industrial Bank
c) Agricutural Bank d) Discount Bank
a) r R b) mbso
D
UG-342 -14
banker
48. Which one of the following is the most important relationship between
and customer ?
Bailor
a) Debtor and Creditor Bailee and
b)
c) Personal d) None
a) ooN aDE) MUND

c) abgs d) adnado w
49. Kisan Credit Card is given to

b) Industrialist
a) Traders
d) Publics
c) Farmers
b) Drdedneaoreb
a) cDdTd
c) 3d
50. Who regulates the Mutual Funds in India ?
a) FRBI b) SEBI
c) SIDBI d) RBI
a) FRBI b) SEBI
c) SIDBI d) RBI
51. Bank provides loans for

b) Car
a) Home
d) All of above
c)Education
b) nd
a) s
d) bros e o
c) 8
D
15 UG-342
52. ATM stands for
a) Automated Tellor Machine

b) Any Time Money
c) Both a) and b)
d) All Time Money
ATM odrs
a) sineabeeaT° 3ep avn
b) de ab do
c) a) abz b) Jdtdo
d) ee
53. is a road towards a high growth economy.
a) Leasing
b) Merchant banking
c) Venture capital
a) rbar
b) 3 0 2,OaDET
c) DTS wotdasDt
d) sbeds odnaio e,
54. The Institution that
gives agricultural related finance
a) NABARD b) SBI c) IDBI d) ICICI
a) NABARD b) SBI o)IDBI d) ICICI
55. Which bank is called as Banker's Bank'?

a) RBI b) SBI c) SBT d) ICICI
a) RBI b) SBI c) SBT d) ICICI
D
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@
E!.
v sEMESTER o
EXAMINATION, ?,^fJ#/.+S./B.sc.
d-
(FAD)
NOVEM B #O-CC EM B Eir 201 8
Ntr
q*J o
Version Code *€r
LtlV
(CBCS) (F+H) (2016 1Z & Onwards)
- #aO
iA
BANKTNG AND nruarucffiffi) \FF

9
z
'\
I
lt
TimeAllowed:SHours I't Maximum Marks : 70
INSTRUCTIONS TO CANDIDATES
1' lmmediately after the commencement of the Examination, you
should check that this
Booklet does not have any unprinted or torn
or missing pages or items, etc. lf any
of the above defects is found, get it replaced
by a complete euestion Booklet of the
available series.
2' write clearly the euestion Bookret version code A,
B, c, D or E, in the appropriate
space provided for the purpose, in the oMR
Answer sheet.
3' Enter the name of the Subject, Reg. No.,
Question Booklet version code and affix
signature on the oMR sheet' As the answer sheets
are designed to sult the optical
Mark Reader (o'M'R') system, special .care should
be taken to fill those items
accurately
4' This Question Booklet contains 55 questions, Part A contains
- 40 questions of one
-
mark each and Part B contains 15 questions
of two marks each. All questions
must be attempted, Each question contains four
answers, among them one correct
answer should be selected and shade the
corresponding option in the oMR sheet.
5' All the answers should be marked only on the
oMR sheet provided and only with a
black or blue ink ball point pen' lf more than one
circre is shaded I wrongty shaded /
half shaded for a given question no marks
wiil be awarded.
6' Questions are in both English and Kannada. lf
any confusion arises in the Kannada
version, prease refer to the Engrish version
of the questions.
7 ' lmmediately after the final bell indicating the
closure of the examination, stop making
any further markings in the oMR Answer
sheet. Be seated till the oMR Answer sheet
is collected' After handing over the oMR Answer
sheet to the lnvigilator you may
dd)a& : iaCdd€ dqd

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Note : English version of the instructions is printed on the front page of this booktet.
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6\^- J
c^JqiJcJJt - eJ
Attempt all questions. Each question carries one mark. (1x40=40)

feni nqdd/ddlw$op,. ds dd;t uou* eo*.
1. Which Bank is also called as lnvestment Bank ?
a) Exchange Bank b) RBt
c) lndustrial Bank d) Agricultural Bank
ol:Ed ugod:rld$ doad anro*d$ocb ddoJ:ond ?
a) e&a3:o3: uarod: b) RBt
c) {rood za,od: d) {& uDro$
2. services rendered by banker to general public are called as
a) Principal services b) Agency services
c) General utility services d) Social services
z;nrcdcf ;,,-iJrxidod DeCd dedddd: edocJ: ddo$errbqd ?
a) d>q xedrldc b) iod dedd$b
c) ;,r=dnd {oloerd deddd.: d) xadnxd deddd,:
3. An is a person appointed by a testator to execute his will.
a) Executor b) Attorney c) Administor d) Trustee
d{wor:od1ao$rd"d{ ddrd DHo$.nf or"dq ded:d docgJd ?
a) roo3:r0aordd b) dsee.:
c) udeoeuoo d) aaCddrrnd
4. The services rendered by a banker as an agent of his customers are called
a) Principal services b) Agency services
c) General utility services d) Social services
ug cddd:d{ ryddd adosrcn deddddl {darxbdC
a) $:sD, iedrldo b) dod dedddc
c) xednd, ercicioerl deddd: d) xod>xd dedridc
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5. ln financial planning, higher most option price will lead to

a) longer option period b) smaller option period
c) lesser price d) higher price
dmm:rd oSoerdci:O_ uB do{uoS:* z3d dndrddrd cec:Cd:
a) OeqsordQ eioq dd>o$ O; eoa;dQ uc$_, iaboS)
c) daab a3ei d) dE zid
6. The ratio of the cash reserves that the banks are required to keep with RBI is
known as
a) Liquidity Flatio b) Statutory Liquidity Ratio
c) Cash Reserve Ratio d) None of these
deoqi ugosdededd a3:edrl zm, od; ddc d e o qi zro, o6dO-
.a dsJ e6D d d d cb ioddpa
ddddledocb ddobd& ?
a) $drd dd b) mian{d d4d dd
c) ddd: &reier> ep$aad d) Cn{do ee.:_
7. First Printing press for bank notes in lndia was established at
a) Kolkata Q) Aurangabad
c) Nasik d) Surat
qndddo_ dods dneuu dl{raoeo$ xo6r.rdandC.tO- ?
a) doee-t*q b) Edodzmer
c) oaxrr d) iloda
8. Bank Rate Policy is the method of Credit Control.
a) Quantitative methods b) Qualitative methods
c) Weighted average method d) All the above
?,nrodo dd pegosr: dQ ooco9*d aqndamnd.
a) dodn*.€d oa"d b) rf:eo-a{d aand
c) dod Bcndo aaDd d) abeOd aoFJE
c
ss - 783
lilllllllllllllllllllillllllllilll '5-
9'WhatarethefacilitiesavailabletothecustomersthroughATM?
b) Balance enquiry
a) Cash dePosit
of predetermined limit
d) All the above
c I 'il ithdrawal
ddoS:ud:mRd ?
Art,{ J:6e;d oJ>d dedrlddl rydd&
- ! rirr rud:aE b) waoo3: dodoedd
al IL^)J uJ
:Jl
ddofuad d) d:eed oe$p
c) &Qarod ruecl:e)-dra
sector ?
10. Which of the following is unorganised d) Llc
b) SBI c) lndigenous Bank
a) RBI
ddnd olDddJ udo{r$d de':C:aand ?
c) de$eo3: tmrod:rtdo d) Llc
a) RBI b) sBl
by
11. Banking ombudsman is appointed
Government b) RBI
a) Central
d) EXIM Bank
c) State Government
mrcd,e ed-d>d ombu dsman
ddlded:d *) Cddd)
b) RBI
a) deo{ irard
d) at^dr tD'od
c) ooa, dard
sector bank of lndia ?
12. Which is the largest private
a) lClOl b) HDFC c) UBI d) PNB
tpddd crDd tmro$ a4daad aroin

dod:d rc'orond ?
b) HDFC c) UBI d) PNB
a) lClCl
1 20a4 ?
bank started its business as banking company from october '
13. which
a) lDBl b) VijaYa Bank c) SBI d) SBM
?
1 dod: cDd mro*, zmrodnedrd: doda {daadddldrriooad:
z6g4,etdroreucf
a) lDBl
..^{r os nicr
b) aeroJ: ort"--- t) SBI
n\ J'' d) SBM
SPACE FOH ROUGH WOBK
'; ii",t 4-I
c
I lllillll lllll lll lllll lllll lltl lll
ss - 783
with the establishment of
14. The three presidency banks were merged in 1921
a) FtBl b) SBI
c)UCod)lmperialBankoflndia
1921de-dlodr-gtudq,mrod:ddcDe)edrttdo&hr.ddcrldmrcd>
a) RBI b) SBI
c)UCod).ao.leooJ)efm,otrgF'qc8c>
of lndia ?
15. which bank had taken over the lmperial Bank
bank b) SBI c) RBI d) uco
a) lndian
ddnd qDddd clDd mro$.aoebeoobef zmrosd doddrdc>nd ?
c) RBI d) uco
a) r;nd8eo$ zrorod: b) SBI
16. One rupee note bears the signatures of
a) RBI Governor b) Prime Minister
c) Finance Minister d) Secretary, Ministry of Finance
uod: deanor: dne$dO- db mo$dd& CD& ?
b) -r-J -J-^9
crJU9
a) RBI dd.iro 9uJoc'.t
c) deomd: $o9 d) dcami,: dzgd, tlo$rd0r
Bank Acoount as per

17. At what frequency can banks pay lnterest on Savings
RBI guidelines ?
a)Monthlyb)Quarterlyc)Halfyearlyd)Yearly d:eej ua
apddd
RBI d .ldreddd abedrl oSDd edqcJ:o- taro$ddc e'DQeDc)
oed>$d ?
b) drd>,ld c) sdr aaard d) ooard
a) 8odd.:
18. Current Accounts are mainly opened by
c) Salaried class d) Trading and lndustrialists
andoS:d1Cl$ram n ddC)d)d)
z:iaQ
a) dor6dd: b) do&ddr
d) oarmd a3:Q drrood iouofrduldd
c) dcud drlrd erd
SPACE FOR BOUGH WOHK
c
i'ilt;;';l lll lll ll -7-
ss - 783
'? ,',' :- committee has recommended introduction of smart card ?
: =angarajan Committee b) Saraf Committee
: :'layak Committee d) Pannirselvan Committee
:::= itugo$ &dreddd d:edri smart card .l: docor:ierocb& ?
a,, Jcricnro" dtug fr *oq, ia:e
u/
^\ cJJLlJJd"
-^Jr< .cJ)e
Js- o
d) ieecfdO_o ja:g
2l' What kind of an asset is goodwill as per the lndian Accounting
Standards ?
a) Fictitious asset b) lntangible assei
c) Current asset d) Fixed asset
?oGo$sr es*Eceiorf ;,-rpda.r- dry? o1lEd
a) dod {e
{e
-
eidr {e
e"dooJ:
r
"azqdto;:
e,
adaand ?
b) il ,SLr& d) crlo ua
21' A provision of bill presented by your branch is dishonoured
with the provision
regarding noting is described under section of Nl Act.
a) 100 9e b) c) B5A d) 1g1
d-Jnd CJ-.d Nl uroj:ô$ eac$e Dai; a,-03: abd#or:od
$* il>oeo{dcu8d ib *a&ueilr;s-- ;'t ---'i-a
z.oCu DEiJ.: ddo$enrbed
'-o
a) 100 b) ee c) B5A d) 131

22. Which one of the following is the most imporlant
relationship between banker
and customer ?
Creditor
a) Debtor and b) Bailee and Bailor
c) Personal d) None
g#nd cJDdcr ed-cd errldread zorodo
a/ie ryddd dd:ad ioz"lcfrarond ?
il rae-:nad b) ew.):e&,t **
u/ T:i.*$
erca:ed:eiad
'r"Jqlrju d) o$Dddra eo_
23. Dishonour of cheque by a banker without any justifiable
reason is called
a) Valid dishonour of cheques b) Wrongful dishonour of cheques
c) Negligence dishonour of cheques d) Ail of these
uercdcP olngde orrosrqaadra dedd dd--*q edad.rteexbdtC>
a) zsa-d
? *r$
iC.:oxiaca eg*ii.g b) dtd ilEdo$zo&d edndrd
c) zS*-d d:eod Csrd*d
do
e*nd. d) ce.rdn
=L
'6v
c
_1,*"r +.}
ss - 783 .B_ lilllilillllilillillllfillilllll
24. Right to set off Customers Account can be exercised only by a

a) creditors b) Debtors c) Banker d) customer
d$d DeCdCdr
rydd&dd sDddd ?Jddo$ {4d, (set off ) d
a) ;oe,reodd: b) soOdd: c) zmrcdo d) ryddd>
25. lncidental charges are levied on which type of Account holders ?

a) savings Account b) current Account
c) Fixed DePosits d) None
Crad arodC: d:eeJ a3;oofld dddddldedo"d:Qd ?
a) weoCt and b) zoQ aod
c) ear{dedcd amd d) oJnddo ee'-
26. To control lnflation situation in the economy, which monetary tool does RBI
use ?
a)CRR-SLRBankRateb)lnterestrate
c)Reporated)Noneoftheabove
uqrddo$o_deaczgd Dc:o$ie-ro RBt ud-apd deorrx,d Eadd olDdd ?
a) CRR- SLR mro$ dd b) ua dd

c) odpe dd d) c>ee)d oJndde eo-
27. How Commercial Banks can regulate Money Supply ?
a) Printing of one rupee notes

b) Savings and time dePosits
c) Provision of high denomination notes
d) Creation of demand dePosits
ocedr, uerodcddc deri dcod -ABd,rdo$$ &c1>o$dz.rd:cb ?
a) uod: domou doeuu drd,

b) weooo$ d:d3 rae,l tsdro addd
c) w{d D&ad doeuodd Dd>dd
d) oead dedcdrid {qpctt
c
lllllllllllllllllllllllmmffi -e- ss - 783
28. Among the following, which is not the service of commercial Bank
?
a) ATM b) Extension counters of a Bank

c) clearing House d) lnternet Banking
ddnddrldO-o$Ddd) m dE m- oEd dedrlder-?
a)ATMb)deddvod,odzn,oddsddd
c)ddxorbded)eodtnre.lm,oSon"
of
2g. On 19th July, 1969, 14 banks that were nationalized had the deposits
a) Rs. 25 crore b) Rs. 50 crore c) Rs. 85 crore d) Rs' 100 crore
a:e3. 1 9, 1 969 dcd 4 = i'1
eddearlood uarodcdd wdn rl*,t d1
a) droes
drD.25 b) dra'50 doeo'3
c)djo'85doesd)do.100doeu3
per the
30. KYC (Know Your customer) norms were implemented in 2002 as
directive of
a) SEBI b) RBI c) IBA d) IRDA
2Oo2;A K/C (i5rryddd u{ .3e&toe) aou uodddlCnd odreddd abedri
s =J =-.-- ^'-=- .-)
a) SEBI b) RBI c) IBA d) IRDA
31. Which of the following is not a function of conimercial bank ?

a) providing Project finance
b) selling mutual funds
c) deciding policy rates like CFIR and SLR
d)settlementofpaymentsonbehalfofcustomers
ddnd otad)cb aardx, unrosd roo$rdo- ?
a) Coeadri dea udnisdld>
b) dd{d clQrid dncnnî
c) CRR ab* SLR ddod oesrid edroiDad
d) ryddd ddamn aadsrlddlmdsicad
c
ss - 783 -'10- lrilililtilil iltilil ilril tilililI
32. Open Market Operations of FlBl refers to

c) Transaction in gold d) All of these
RBI d d-d C>:g dD&ds3, aao3:rdqr ;odd
a) ${ddd0_ drdaed b) dorc m*ad
c) z.s{do$ drdaad d) abeOd as*de
33. Who among the below has not served as RBI Governor ?
a) Y.V. Reddy b) Bimal Jalan

c) Manmohan Singh d) S.M. Krishna
ddnd oJla& RBI dddrd erh ded iO,r,d:droe; r
a) {.a.dq b) s*Def asotr
c) abafdoedo" x,orr d) a;n.ao {4
34. The ability of Commercial banks to increase their deposits by expanding their
loans and advances is known as
a) Capital expansion b) Credit expansion
c) Credit control d) Credit creation
anrdrrunrod.:ddc doad..,-aa3:dr, DO d:Q d::odd aid# *Dd:d)d$ add:dd; t
a) uodaad eidd b) ;oe.: eid#
c) ;oo &o3:o$m d) sao &C>rra
35. Where was the first bank in the country started at ?
a) Jaipur b) Mumbai c) Kolkata d) Pune

eDdddO
'ct6
aO dode,r grrôdJ naddrtooadr ?
a) qJd)d b) droaJ c)
,J
doee.rac d) d)d
c
1fiililillililtililltilr il -1 1- SS - 783
J
What is ilre abbreviation of LAF ?
a) tiruidty Adiustment Facility b) Liquidity Account Facility
c) Urpirf,ty Allotment Facility d) Long Adjustment Facility
LAF da4d dod ad: ?
a) Liquidity Adjustment Facility b) Liquidity Account Facility
c) Liquidity Allotment Facility d) Long Adjustment Facility
37. Which of the following banks is not wholly owned by the Government of lndia ?
a) FlBl b) sBr c) Punjab Bank d) None
ddnd ctad mro* icdprarercn qEdd iu-crdd &oS:odradoo ?
a) RBI b) sBr c)'J'vmicznzc" zJQ.o6' d) .JDddra ee
38. Nationalisation of lmperial Bank of lndia and its conversion into SBI was done
in which year ?
a) 1935 b) 1920 c) 1965 d) 1e55

oraedei'n:= €o&eoC)ef mroa' sqf toaoJ, $Q -^-?. n.i.-i
SBI C^J\rL^J'./ (rL^J\Jt L^)
))-
cJcîh
"dJ
a) 1935 b) 1e20 c) 1965 d) 1e55
39. Who decides how much quantity of the coins to be minted ?
a) Government of lndia b) RBr
c) SEBI d) Prime Minister
CrEdcn ioeordd m$dib aC>;iod:od &earC d.Dd.:dd ?
a) qDdd irord
b) RBI c) SEBI O) -r9qDd d:o9
40. All Commercial Banks need to maintain cash, gold or bonds to provide credit
to its customers with themselves is called
a) SLR b) CRR c) Bank Rate d) Repo
6q. J-J-
aerr me6x, arcrod:rld; ddg ryddori me; Dede;: d,ooOdCertd d,od, ^cJ dJ:g
dd,6o$&
'J {
aCr:dodcdrd$
o {-
ocd; Socj:e;d:di.
--0
a) SLR b) CRR c) urrod: Cd d) odpe
c
ililllll tllll lll lllll lllll llll lill
-12-
ss - 783
PART _ B
Aqarl - L)
(2x15=30)
question carries two marks'
Answer all questions' Each
erodddc'
aeg ddleri eru$orl ds ddf odd>
established ?
41. On which date, RBI was
b) 1sth August 1947
a) 1tt SePtember 1940
d) 26th January 1950
c) 1tt APril 1935
RBI ohaarl na*ddCroou:$ ?
b) ed4 15,1947
a) d{0uo1,1940
g rddo26, 1950
c) a.3er 1, 1935
the RBI
42. First lndian Governor of
b) Sachindra RaY
a) C.D. Deshmukh
d) D.l.G. Patil
c) S.Mukheriee
o$Ddr
qDddd RBI d dnde': rtddrcn
?
b) iseo{ de
a) tu.a. deud>laY
d) A.ec.d. mu3eef
c) af. d>$xr
?
Which is incorrect with regard to powers of RBI
43.
banks b) Controls banks
a) Holds cash reserve
banks d) All the above
c) Supervises
erQroddo- ?
ddnddddO-ojtrd)cb RBI d
b) zmro$rtd oof:odrea
a) mro$r'td drl& no{dd
d) d>eOd ae-:-do
c) mro$dd d:eOoz'odd
FOR ROUGH WOHK
c
I lfl lilt ltilt lil Iilfl ilIil lill lill
-1 3-
44' 'cA''rELS' is a type ss - 783

of bank rating system
a) Currency and ,c,stands for
b) Compensation
adequacy
c) Capital
,CAMELS, d) Capitalisation
oor.'ri.l
ua'o$ddd -, r- aQEd@ld,
^r.rJ_r dq€o$
a) crrr"n";o** "addo- 'c' doe^Dcb
c) Capital adequacy b) Compensation
d) Capitatisation
45. One rupee notes
and coins are issued by
a) Bgt
::SHtr)o9, uosad md,nrndia

Minister or
:i iil no,",.no,,
dneu:rldd1 aoaaxu**a>
a) BBr
c) zBdda deo{ dardc
46. Which bank is lender
dmuaxb ia:dc :l ::i rlddro
of last resort ?
a) RBt
c) SEBI b) SBI
o$Dd e;q,od: ero8ab d) state treasury
a) RBt
absa6?d r
c) SEBI b) sst
d) ia,rdd $aoii
47. lDBt is promoted
by
a) VCFs of Specialized
Financial lnstitution
b) VCFs of Commercial
eant,
c) private VCFs
d) None of these
DBt otu w$eadrtooacbdct>
I
ll 11::i:y :.t* ^-a* uodaad oe

llc) a:adn
:YY,od:rrd#ux;;ffi;;
raJl uodaad op
d) obddo ere:(v!
_
SPACE FOR ROUGH

WORK
c l
ss - 783 -14- llllilllllllllllllllllllflllilllll
48. The issue of bonus shares to the existing shareholders should be authorized
by
a) Articles of Association
b) National Company Law Board Tribunal
c) Ordinary Resolution of the Company
d) AII the above
drod ded:mCori d,t edxp de&dd$ Ced:d eeuod
a) ur.3rder erqr edroe,&o3Jedc
b) mE,eor: doiD raded: ioq
n\ J^-Ja^J- a--J
u/, e\rc^rNvuJ drc"-UJCJ
-J-J NqiJdt- O
d) a:eOd;g:de
49. Type of contract in which contract holder has right to sell an asset at specific
period for pre determined price is called as
a) Written contract b) Determined contract
c) Featured contract d) None
d.:gncnd eer{ ececJ:o_ &eri cdo::e)_ et dJaorer dJEcd &edmdd awad
o1D66 ?
a) 0$d /ugd b)'d--oCOrd /Dgri
c) od"ma{d tug,i d) o$rd;dro ee.r
50. Cash loaned to a company is called
a) Dividends b) Debentures c) shares d) Reserves
uoab dodDc3:: ddcb xas ded:AdoJ:q il-lbJd. ?
a) enzpood b) drad zser;dd: i; aeci:a+: d) iod{#
51. The share of profit a shareholder will receive is called
a) Dividend b) Surplus
c) Net Profit d) Retained Profit
z-zg u ed: ca dib ddo::2,:i>cn d de od el pr odd;3: b erld:dd>
a) e.aqecU b) az$.rdo'
c) e{d ooq3 d) enqJd ab$ded
c
IililIlil[iilti - tc- ss - 783
--e financial investment in a highly risky venture with orientation to grow
'2 is
a, Venture capital b) Merchant banking
: i Leasing d) None of these
=4;1
ricaaodd ab6 dddsdri erudedood dead d,o ar cracd)eb
a) odi uodaad b) aqmo zmrodoedral:
J-qJ
- 'JI I U\91) d) Cn$do ere-r_
: : '//hich of the following cannot be utilized forthe redemption of preference shares
cf a company ?
a) Proceeds of fresh issue of shares b) General reserve
c) Dividend equalization reserve d) profit and Loss Account
i9ndddqie_ofrd)dd1 doieoJ) de&dd *&ded ddcj:ero/r-:doq
t
a) dod decbdd dnot^:d dnd b) xadnd, .):eie:r
c) en4nod iabdoesd a:eiu> d) eneJ d{and
'j Redeemable preference share can be redeemed out of
a) Capital reserve b) Fresh issue of debentures
c) Fresh issue of equity shares d) No.ne
sed>rldd:d:dedo$d1 an&ded:dc>
a) uodarod a:eiq> b) doi dra a3eo3o$ ctead
c) drod dc> ded:dd .lead d) clngdo ue":
55. _ is a road towards a high growth economy.
a) Leasing b) Merchant banking
c) Venture capital d) None of the above
aoz'pc Bdd rugd uerd dddsdrro$ dnrlrd #dro^tjdojrdnd.
a) d.:gri b) muano zorodoedat:
c) rodi uodaad d) ubeOd Cnddo ex)
c
I tililIil illfi ilt iltil rilil ilil lilt
NS - 633 Version Code

46
OL
s
v
/\
,k
+
SEMESTER B.A./B.SC.tB.CAJB.SC.(FAD)
EXAMINATION, NOV./DEC, 2016
(CBCS) (Semester Scheme)
(Fresh) (2016-17 and Onwards)
BANKING AND FINANCE
E
v/,
Question Booklet Sl. No. 6ii6g47
TimeAllowed:SHours Maximum Marks :70
INSTRUCTIONS TO CANDIDATES
1. lmmediately after the commencement of the Examination, you should check that
this Booklet does not have any unprinted or torn or missing pages or items, etc. lf
any of the above defects is found, get it replaced by a Complete Question Booklet
2, Write clearly the Question Booklet Version CodeA, B, C, D or E, in the appropriate
3. Enter the name of the Subject, Reg. No., Question Booklet version code and affix
Signature on the OMR sheet, As the answer sheets are designed to suit the Optical
Mark Reader (O.M.R.) system, special care should be taken to fill those items
accurately.
4. This Question Booklet contains 55 questions, Part - A contains 40 questions of
one mark each and Part - B contains 15 questions of two marks each. Allquestions
must be attempted. Each question contains four answers, among them one correct
answer should be selected and shade the corresponding option in the OMR sheet.
5. Allthe answers should be marked only on the OMFI sheet provided and only with
a black or blue ink ball point pen. lf more than one circle is shaded / wrongly
shaded / halt shaded for a given question no marks will be awarded.
6. Questions are in both English and Kannada. lf any confusion arises in the Kannada
version, please refer to the English version of the questions.
7. lmmediately after the final bell indicating the closure of the examination, stop making
any further markings in the OMR Answer Sheet. Be seated till the OMR Answer
Sheet is collected. After handing over the OMR Answer Sheet to the lnvigilator
you may leave the examination hall.
d*a3 : ioCddd ddd od,Eaiil dt dud &oqadde_ Crrqfe)qd

r lfinil lill il llill ulll f,fl llll -3 NS - 633
PART- A
e?tlarl - c)
(t()xI=41ry
Answerallquestions.Eachquestioncarriesonemark.
3:et)- d,d.ddQ,n utro&. g.g

?4t4 dd;i aodr uod'
1. Fullform ot SLR
a) Statutory LiquiditY Ratio
c) Sundry Leverage Ratio
d) State LiquiditY Ratio
aFr. aef. scf .d edd drad

a) saidud {aard:aad
b) oaa;, d>qd ddoo8
c) z3o-d;o$drr ed:aad
d) ocas, qid, ud:amd
2. C.R.A. in Banking parlance stands for

a) Credit RatingAssociation b) Credit Rating AgencY
c) Credit Risk Assessment d) None of these
zoroEorf'do- tu. ud' a. aodd

a){auf det,3on'' erfloex,obedo" b) gat,r de[,3on{'Ddq
c) !,ar^f on! edfd:o[,tr d) 'aoardtdo uq"
B
ffillilllll llil llll
NS - 633 I lll lllll llll
E.P.S. in share market stands for

a) Earnings Per Share
b) Electronic PaYment SYstem
c) Employee Pension Scroll
d) None of these
ded: *a$dqo$O-'a. &.a:i". aodd
a) u&rori" do deo
b) aeJrc*&tr deabotf, A{df
c) oom-ou: dafddf dgeef
d) aemrdldo ee-t-
4. The objective of Governmentto appoint Narasimhan committee is
a) To strengthen the banking system

b) To improve customer service
c) To strengthen the credit portfolio
d) None of these
drard{ ddtodo" ntuso$dide$d dnad **d
a) znroson"' ddd{o$ ioOadd
b) ngdd dedo$
"Wd%
c) $ar,r uodaad ue;daiq:
d) eo-gddo ue-t-
5. Underthe Banking Ombudsman Scheme the value of claim should not exceed
a) 5lac b) 10 lac
c) 15lac d) 20lac
r ou o3o e u d o$ a o$ o- dd7 dfD e.r, .r dg a: e dun d d: ?
zi,Dd 06 onc {d>o'
a) ac& e.:d* o) dQ o{
c) dadd od* d) .adJt od*
B
I llllllil lllll lll lllll lllll lllr llll NS - 633
6. Whicft bank in lndia ranks number one in terms of market capitalization ?
a) SBI b) rctct
c) UTI d) rDBr
-Edrdq zcodaoseddcadO- qndddO- d>oz3oddOJ$d zn,ot" CDd)C ?
a) arr.a3.ac. b) ecnacarec
c) Cl.u3.ec. d) a.E.a.ac.
7. RBI pays interest on CRR balances of banks at
a) Bank Rate b) Repo Rate

c) Bank rate minus2o/" d\ Zero"/"
pi7-{' oq m
\JL,' . (^,/. C^./. dddO_ ddcb &:edq: er$"mdd abee3 ua mdoxbdd.
a) ugoe" dd b) ddBe dd
c) unroa" dd-2% d) drodd %
8. What does the letter'S'denote in the term IFSC ?
a)Subscriber b) State c) System d) Source

DDfaFftuC)O_'axf' addl d8eQiDgd ?
a) zSornend b) oa% c) drd{ d) droe"r
9. What is the full form of CBS ?
a) Core Banking Solution b) Core Banking Software

c) Core Banking System d) Core Banking Service
rr?)Dx,od e{d drDd
a) doeu unroEon{' X"r-rdq b) doeO aroroEon{' EDeldeor

c) doeo zmroEonr 4d{ d) dneof znroEon" ded
B
NS - 633 I ilililil ililr il lillr tillillr fil
10. Which of the following is not a part of lndia's money market ?
a) Banks
b) Bill markets
c) Call money market
d) lndian gold council
- -a,) cDd)cb
dl Edndd)ddq --- qnddd
, dearoio *adrduSo$
g.J
qrEdde,
I aa ?I
a) ugou"rlsb
b) sef *a&dqf$b
c) roer ube *D&dq
d) qndaec: ?Jq ?iEqef
11. Who regulates the money circulation in lndia ?
a) State Bank of lndia
b) Reserve Bank of lndia
c) NABARD
d) Commercial Bank
zpdddO_ dea aJenddo$q0o$o$ioddd Crad: ?

a) {et,f ?JDrod er4r qoECD
b) odafr uDrof eJ6f .aoaolD
c) duocrr
d) amrda, ?ro,,otr
B
, llll|li il I ll lr ll r rll
iill llll NS - 633
12. \n/hich of the following is not an organized sector in lndia ?
a) Nationalized Banks
b) Regional Rural Banks
c) Cooperative Banks
d)Chits and MoneY Lenders
€r ddnddrld-O- o1>ad)dJ qDddd uoc> io-+it^3d de,:o$ uo-?
a) m.tgedrd zo,od
b) a3dead ngtueso t,o,od
c) ddrad zq,od
d) a3eos d:Q deo sae-roodd:
13. Who will settle the grievances of customers in banks ?

a) Reserve Bank of lndia
b) State Bank of lndia
c) Local Courts
d) Ombudsman
uDd 06r dd O- B dd d d: c d:do dd d$Jdl cta &..ad, Q r ioq d?
a) oda'r uDrot" uf tcGCn

b) {euf mrotr uqf ecGcl>
c)
i+ec.> oarCne-toJ:
d) z,oz^:{d:o"
14. Who introduced the Banking Ombudsman Scheme ?

a) RBI b) sBl
c) Ministry of Finance d) NABARD
zro, o6 orf' u ou{d;an o3,e e xd c:d} d odol:xr dd& o3:D dr ?
a) ero.ur.ac. b) axiu.n.ec.
c) deoaoioizsaae.tol> d) dzma'r
B
NS - 633 rllliltiltiltiltililtilIiltilt[
15. When was Ombudsman Scheme first introduced ?

a) November2006
b) October 1981
c) June 1 995
d) January 1998
r ozo{abif Co agdc:d}
e dro der: do zdcr:t cb o$a an d?
a) ddouo2006 b) edo"eucf 1981
c) arcif 1995 d) Bddol 998
16. Banking ombudsman has been constituted underwhich Act ?
a) Banking Regulation Act b) RBI Act
c) SBI Act d) coPRA
CDd uao}rdC)ao$Oaad^J
unôEonr uouef d:af dz3dmobdJ ?
a) unro*ori" Oo$o$;aa rooud b) uoaroc rool:d
c) .x"ara 6Dobd d) rydddoddjr uaor:d
17. Gilt edged securities refer to
a) Government Securities
b) Securities issued by municipal corporations
c) Securities issued by first class companies
d) None of these
ne{ ocfc5o d$rot^le;n aodd
a) drcrdd dd* dgd$b
b) dddqD dodddc drodBxbd dd* d$ddc
c) dnde.r ddro$ dodOrlstc drodaiDd dd* d$ddo
d) 'ao-g{do ere-r_
B
IIIIIIII NS - 633
1& Arbihage is
a)Brryingandsellingintwomarketssimultaneously
b)A rate of interest
c) A fee
d) Arbitrage is a disPute
u%$eer aodd
a) add dD&dqcb0- adu-oodo- $oeo oado dncno^l
b) ugdd
c) d:et*
$ aaad
19. The provision of cOnsumer Protection Act, 1986 are
a) To the customers of the bank onlY

of against consideration
b) To the customers and the users of services irrespective
or free services
c) To the customers and any user of Bank's services against consideration
d) None of these
ngdd iodd*raa aoobd, 1 986 dO-er{ou:iodleb
a) zoror ryddori dDg
b) rydddr d>* Po{ ddcDddd)

c) ngddd: d:* o$adde zmrod nSddd:
d)'aoardldo ue-:-
B
NS - 633 -1G IilllilillliltiltilllllfltililI
20. Banking Ombudsman means

a) Person appointed to recover dues from defaulting borrowers
b) A person to whom customer can approach for redress of his grievances
c) A person appointed to settle dispute between employees and management
d) A person appointed by RBlto oversee the functioning of Foreign Banks
?rJd oEon{' uourtrd:af a odd

a) z,nt enle&dooG$d xae.r #ow dndq: ded:drtaod dC
b) n3 dd& ddg d: o*ErD dddddl dodo,r,rdodo u: i od* rdz3 erc d dS
c) dodd& d>$ erded d:odeo3: dd:ad c;od "adrdrdaiod dd

d) odes unrordd roo$r&drd#o$ d:eeozaddrl ercn.ze.oc.&od dea:ie;u d;
21. How many Banks were first nationalized ?
a) 10 b) 12 c) 14 d) 16
dode.: dodd0_oa"geddearfo od ug orddoai1?

a) 10 b) 12 c) 14 d) 10
22. How many Banks were in second phase of Nationalization ?
a)4 b)5
c)6 d)7
addde doddO_ oageddearlnod uDdotrdsb oq?
a\4 b)5
c)6 d)7
B
il l lll ll ll ll ,lll
NS - 633
23 ,',r'",c will act as the banker to the Government of lndia ?

a r State Bank of lndia
o) Reserve Bank of lndia
c) NABARD
d) Nationalized Banks
zprdd ircrdd uorodo un dgriDdd& dECr ?
a) mrot" uEf "acBCn

*of
b) pdeed: oirr mrot"
c) dznerr
O) mEedud zrorofddc
24. Where is the Head Quarter of Reserve Bank of lndia located

?
a) Mumbai b) Delhi
c) Kolkatta d) Ahmedabad
zpdoeoJ: oiarr zorot"d dpd dz3eo ae)$ ?
a) dloaJ, b) dde)
c) do,o, d) edd:oa?,Dor
9-
25. who was first governor of Reserve Bank of lndia ?
a) K. A. Narasirnham
b) V. K. Malhotra
c) A. K. Vadia
d) C.D. Deshmukh
t*nd8eo3: oirr ugot"d dode-r dddrcn o:nocnd^d: ?
a) d.,'1.dd:,oddr
b) a;.d. *e].qSq
c),;. d, DiAo$
cl) tu. C. deenC::aY
B
NS - 633 -12- 1ffiilil]ilt
26. Who is authorized to issue coin in lndia ?

a) RBI b) Ministry of Finance
c) SBI d) None of these
paddCO_ ucrarddd: dosxbd erQrad Cnond ?
a) uo.zr.oc. b) deauoioiz"larce-rcJ:
c) ,tr.zi.oc. d) "acndd)d,o ee-:_
27 . Who is the Present Governor of RBI ?
a) Urjit Patel
b) Y. V. Reddy
c) Ranga Reddy
d) None of these
zpd8eo$ oia"r r;lrou'd digd rlddro CD& ?
a) ene*re do3eer
b){ D dE
c) dono dC
r{\ mm Ll^ oo..
LJ,'c{(rc-/-C^Jlt \!C, \J\J
m
28. Which of the following cannot be called as a debt instrument as referred in the
f inancial transactions ?
a) Certificate of deposit
b) Bonds
c) Commercial papers
d) Debentures
dma'cxb drdoadddO_ €r ddnd o3Dd)dqru.-ed e.noiddsadodt ddCr:droe-: ?
a) dedrd ddm d$dd;
b) tmodddo
c) aasq dgdrld:
d) sae-rd$dd-.
B
Il I ttlllill llrtllllll -13- NS - 633
?"? *,1
nimum period of a Certificate of Deposit is
a) 1 5 days b) 3Odays
c) 10days d) Tdays
dedcd $dnmd$d dodudP

a) 15 adridr b) 30 adrld)
c) 1 0 addd) d) 7 adTiqt)
A customer has been defined in
a) Banking Regulation Act
b) Negotiable lnstruments Act
c) Anti-MoneY Laundering Act

d) KYC guidelines
n3dd aoruddlaO- mdaD,,Pdsond ?

a) zmroton" eoJ:@eaa rooDd
b) drheao3;eulef e{Qgd:orq 6aobd
c) urouS-dr& enodoon" 6?oud
$ d.
{.4. {""drq
31. When was Reserve Bank of lndia established ?
a) 1920 b) 1925
c) 1935 d) 1e4B
zpdaeos: oirr EDrot. na*ddo3nd ddr oJndeb ?
a) 1920 b) 1925
c) 1935 d) 1e48
SPACE FOH ROUGH WORK
B
NS - 633 -14- Iffiilil]ilttil]tiltffi
32. When was Reserve Bank of lndia Nationalized ?

a) 19M b) 1948
c) 19+9 d) 1950
qnd8 e oJ: oir r uiD, otr oa,\eddrarto o ad1 cdn m rl ?

a\ 1947 b) 1e48
c) 1%9 d) 1950
33. When was lndian Banking Act came into force ?

a) 1%8 b) 1%e
c) 1950 d) 1951
rpdA eoS: zro, oEorf' u.J o}:d oln am rl ?rc o o$D d)dJ ?
a) 1948 b) 1%e
c) 1950 d) 1951
u. lmperial Banks were amalgamated and changed as
a) Reserve Bank of India

b) State Bank of lndia
c) Subsidiary Banks
d) Union Bank of India
aoC .ao&eoo$ef zo, oar ioo3oedietar udoaob*.
a) z;nd8eo$ oias"r u;E,otr
b) qnd8eoJr {er^f aq,od
c) eodio{ zqrod
d) o1rroeo$d zrorod uqf .aoBoln
B
ItrHHmffiffiffi -1$ NS - 633
35. When was lmperial Bank was changed as State Bank of lndia ?
a) January lst 1935
b) FebruarY 26tn 1947
c) July 1st 1955
d) July 1st 1959
udenoU:imoOld: ?
?o&eoo$ef zmroddl {ets' z;got" u4"'aoaCn aocb Cnaad
a) xddo1, 1935
b) fr9do26,1947
c) rce3rl, 1955
d) rceJr1 , 1959
When was Lead Bank Scheme introduced ?

a) 1967 b) 1e6B c) 1969 d) 1e74
'' Oea" ?JErotr Coexdobdlcfnasad dodou:dmor:d: ?
a) 1967 b) 1%B c) 1969 d) 1974
37. What is CRR ?

a) Cash Reserve Ratio
b) Current Ratio Rate
c) Review RePort
d) Credit Rating Record
A. eJd. ud. aodded: ?
a) ddeb arede.u erd)a)d

b) d&d erd:aad dd
c) ddcr$droJ: dda
d) gct,:r deo,3on" drca'r
B
NS - 633 -16-
Itilrilttiltiltiltilililtr
38. lnterest rates being charged by Banks in lndia have shown trending
recent year.
a) Falling b) Rising
c) Stable d) Volatile
'a8easd ddrddo- qnd.geo$ odas"r q,of oet'Dd ?ra dddst
a) doaodrgd b) D&gd
c) erz3e.runhd d) zo{SesarAd
39' The first development financial institution in lndia that
has got merged with a
bank is
a) lDBl b) tctct
c) IDFC d) uTt
qn dddo- zca, od dso o6rr .) o edrto od dods sad
%deomt'o do{
a) oazco b) onacxra
c) ecBaqcxr d) oJloJec
40' The rate of which discounting the bills of first

class banks is done by RBI is
a) Bank Rate
b) Prime Lending Rate
c) Loan Rate
d) Discounting Rate
qnd9eo$ odapr q,or ddar drlrd aaronrld a:eg{ddlooJrrobg da$d dd
a) unror dd
b) dCiEdEEo
$dnea
c) xne; dd
d) oodrEob.g dd
SPACE FOR HOUGH WORK
B
I llllilti lllll lll illll llil llil llll -17- NS - 633
PART _ B
Spad - ze
(15x2=30)
Answerall questions. Each question carries two marks.
oea-et)4d,d..dd&,c( erudoxr.
r
-99 qdf oddc erodddo'
Bank ?
41. which of the following NBFC converted itself into a commercial
a) Tata Finance
b) Reliance CaPital Trust
c) Birla Mutual
d) Kotak Mahindra
€s #dn:: 3J,Dc nNfsSDQfl eroe6es, mro6o ejn doddrdrtooad ?
a) oom qoq
b) oe-rc-::ii a-,bt,,3ef 9q
c) Eoa- d::.*der
d) aoe*r =:,b:c{
42. what happens if a crossed cheque is presented for payment ?
a) lt can be paid only through a banker
b) lt cannot be Paid at alt
c) lt can be paid across the counter in another bank
uod: deS a,ni du' ed1 mderi uddaxrdd aoad:$d ?
a) zorodo dDq aadeier: nad

b) aa delc rL:d; d e'ae-r-
c) rJed zrodct'dO- mdeiu&cb
d) &eOd oSnd;do ere.:-
SPACE FOR HOUGH WORK
B
lilllll lllll lll lllll lillll
- -18- I
NS 633
43" What is Call h4oneY ?

a) Money borrowed or lent for a day or overnight
up to 3 days
b) Money borrowed for more than one day but
to 7 days
c) Money borrowed for more than one day but up
d)Moneyborrowedformorethanonedaybutuptol4days
taef d>P aodded: ?
a) z.oc) edd $t{t e,d6" odgeo$ deaddl r,ae-r dc$d: erfraa Erodd)dJ
b) z.od> od d:ee-r,t.r1 d:o& odddddri dea me'rd* d&d)C

c)z'od:Ddd:ee.lt'o.ndcedddddrideame;d*d&d)C
ddrd)C)
d) z,od: od d:ee-:uu daoaer:* odddddri dea me)d*
interest charged by RBI for

44. which among the following is called the rate of
lendingmoneytovariouscommercialbanksbyrediscountingofthebillsin
lndia ?
a) Bank Rate
b) Discount Window
c) MonetarY PolicY
d) Overnight Rate
Ar ddnd ofDd dddd Dqddddi rycdAeoJ: oiavr zmrod oroe6xu slDdoddd
d:rj:oolno$.4 zca*dd d:eeJ e'd)Croeo*gd ?
a) zmror CC
b) oo$ao3J& Dod,oe
c) E$eC: &e,9
d) t dddjrf dd
B
rrililil ililtiltilil Iilil ilililt -19- NS - 633
45. Which one of the following set up score banking infrastructure for rural banks ?
a) IBA b) NABARD
c) RBI d) srDBr
ngtu€sa uqotrd9ri doecf unro8orf d:roe-r fodoJ:rddl dr ddnd o$iCejJ ra&tud ?
a) oczoa b) dzoaa'r
c) ucnzroc d) ax"ecazoac
46. Which organization provides credit history of the borrowers ?
a) CIBIL b) cil
c) FRBI d) |RDA
merodd $atf .aemadddl olDd dodob: udnio$d ?
a) :,aer b) tuacac
c) .rqruonoc d) ocerOGa
47. What is the product of the share price and number of the company's outstanding
ordinary shares ?
a) Market Capitalization
b) Market Price
c) Market Trend
d) Treasury Stock
de& deJ $dJ unsoud.:d -ndrnq de&dd no{c: wd{ded: ?

a) dnd:dn{ uodaad
b) dDdrdq dd
c) dnd:d{ ddg
d) eQ do{d
B
NS - 633 r fiilIil illfl il lilll lill llil llll
48. When financial institutions and banks undertake activities related to banking
like investment, issue of debit and credit card etc. then it is known as
a) lnternet banking
b) Universalbanking
c) Virtualbanking
d) Wholesale banking
douoe&d draaA dzeor 6res' r $Q$aun raa"rrld Ddd#o$Cd
z36roa"ri
ac:rdddl
deauaio do#dc aado uodotrddr ddrtrodid)d)
a) uodzro r e.: t,la, o6on6'
b) cr)&diref zroroEon{'
c) dai:rdef ?DdoSonr
d) do eerdeef zro, o6on'
49. Which bank in lndia is called as a'banker's bank' ?
a) SBI b) lDBl
c) RBI d) lclcl
o$Ed qnd8eoJ: zro,odq'unrodorld zrcrot"' aocb ddC>qd ?
a) afaa b) acBasec
c) uozcec d) ec:recxrec
50. Who regulates the Mutual Funds in lndia ?
a) FRBI b) sEBl
c) SiDBI d) RBI
zpdddO- dd{d eQddq odDdr &o$o$-ru:qd ?
a) a6ruoru3ec b) af"azeac
c) ascecau)ec d) udaa
B
I lllilil ]il| lll lllll lllll llil llll NS - 633
51. What will be the impact if Reserve Bank of India reduces the Bank Rate by 1o/"?
a) Less liquiditY in the market
b) More liquidity in the market
c) No change in the market liquidity
d) Mobilizations of more. deposits by commercial Banks
z-oC> deS podeeo$ Oiof r ?;c,,otr EDdo6"ddd$* d* 1% d&drlogAdd eldd domod>
aoariud:& ?
a) dn&duflc)O- dad: ddrd
b) d>d,dqcbo- dq dqd
c) rhd:dt{o$ ddddobO- ude>dd nae;-
d) medzs, zrrdodrl$jO- da{ deded io$d

What will bank customers pay for using safe deposit locker facilities ?
a) Commission on locker b) Exchange on locker
c) Rent on locker d) Safe custody charges
deded endclc floUlrdddl udxrdot\{dro*n zrE,ouc rydddr Ddq aadadryd ?
a) odo da:da:" b) endo eO*od)

c) erodo t,Dari d) ioddeaa dzJu
53. What is the most powerfultool used by the Reserve Bank of lndia to control
inflation ?
a) Raise interest rates
b) Raise current suPP|Y
c) Reduce current suPPlY
d) Reduce interest rates
deodgdddleo$cliu:zpdeeoCoia'r?Ddo66ud ja.ode-droddimOe{olnd)cb?
a) uqdddafi$dc
b) digd dpdrd dq$dc)
c) digd dpdrE .aedrd&
d) uQdd dadrheio$c>
B
NS - 633 IilllllllllllltilflililIlllllllllt
54. Which is the instrument used by HBI under general credit control ?
a) CRR
b) sLR
c) Bank Rate
d) Exchange control
nadru&d Fa CI Po$€ ea d> de:: erdz3cc u#a,:d :ildd o$adlcb ?
a) tuoucn
b) ;s"aer ucf
c) anror dd
d) a0d:o$ eo$o$ea
55. Which one of the following is the ratio of the loan principalto the appraised
value ?
a) Combined Loan to Value (CLTV) ratio
b) Loan-to-value Ratio
c) Mortgage Loan Ratio

d) Statutory Liquidity Flatio
"ad;ddo_cDdd> dpdme.: d-:{ a*Pe.r, &earc:d $e0d erd)mdmnC ?
a) *aer8c ed;aad
b) nae.:- a*loe.r, ud>md

c) d>ofrriees" xao eedJa)d
d) adduq dd, erd:aad

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llE$&3 : rtmddrl€ dqd er{.9oI: e d)a;d boepartdo_, d$Ene3Ad.

eoroSonc elrouus drm{

d?3$dJddood ido1,63needddl ud) aafod oo od epEr d>dded:.

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ddJ*b dqd $* uo{Undo$O-drgd. ddd ddJd0-ioded eruourrdd, dc:at^t:,Juo{WdoJ: d-dfdq

1. A customer has been defined in

a) zoroEon'' ec:o$E6E 6Dobd b) drtoeao3:euer .aafio*d:o{ rao0:d

3. The objective of the government to appoint Narasimhan Committee is

a) To strengthen the banking system 'b) To improve customer service

4. What does the letter 'l' denote in the term IFSC ?

5. where is the Head Quarter of Reserve Bank of lndia ?

6. Full form of SLR

SPACE FOR ROUGH WORK

10. Current accounts are mainly opened by

11. which of the following is not a public sector bank in rndia ?

a) frdder zDro6" b) doaru^id zrorou"

12. Under which Commission was RBI established ?

14. KYC means

a) dodcn?if itue b) ioaf ia:e

SPACE FOR ROUGH WORK

18. Bank rate policy is the method of credit control.

a) qDdd iuord b) RBr

SPACE FOR ROUGH WORK

a) oo$ef €dr" trddef {er,faboetr b) oo$ef €df ngFi6 doefd)otf

32. Which card is called as agricultural credit card ?

33. Who can open bani< accounts ?

34. When was RBI established ?

35. Who is the present Governor of RBI ?

SPACE FOR ROUGH WORK

a) z3{d dd>oxiaod edndd b) ?^3Sdd oaro$arabd edndd

38. How Commercial Banks can regulate money supply ?

a) z.od: doaaoo doet"u drdt

39. lncidental charges are levied on which type of account holders ?

SPACE FOR ROUGH WORK

aeD- d,d"rid&,{ eru{o:,. $3o3oo& {d;i ad& eodrld': :

41. On which date, RBI was established ?

a) lttSePtember, 1940 b) 1sth August, 1947

45. The most liquid asset is

48. Rationing of credit is a .-- method of credit control.

49. According to RBl, open market operations are

50. When was Reserve Bank of lndia nationalised ?

a) 1e47 b) 1948 c) 1949 d) 1950

zpa dS e clr oiatr r uD, ot" oa.geddea rin o acb. alnam rl ?

51. What is call moneY ?

a) Money borrowed or lent for a day or overnight

53. Hypothecation is applicable in the case of

54. Who among the following issues metallic coins in lndia ?

a) RBI b) Government of India

55. The share of profit a shareholder will receive is called

D Banking and Finance

Time Allowed:3 Hours MaxlmumMarks: 70

oeE, D3 F/Da 2021

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2. AdatH Tadr ioea A, B, C, D eqaso E odba (OMR) evdd adë,dodbe s n dIeDNdD

3. ngoaigtab (t.30.s.) sord arioztad zvdo zoem sots, saotocis os, ba s i z r

4. do 55zakaroca ppr-a40 idnsrocachgeoiaoct uocb eod oia a r -

6. 5eb s ab sor,mdoedbgs. ta zde tote voundd, doatssu, sor, pdos serne

zdoemdndacdocd asnd äoertabtb

Answer all questions. Each question carries one mark. (40x1=40)

1. "Ombudsman" is the authority appointed by

a) RBI b) SBI d) PNB

2. Who is the present Governor of RBI?

a) enocdr diieor b) . daoDas D o

ddJb dqd $ uo{Undo$O-drgd. ddd ddJd0-ioded eruourrdd, dc:at^t:,Juo{WdoJ: d-dfdq

'aorarld$oae{ doefdd,cb. abeOd c>{de doei dod:uode_ eCd: &dd:nxr o(;;