1) Mr.

Sumeet Goyal’s address change request has been rejected by the back office due to
missing signature on one page. Mr. Sumeet Goyal is out of country and will come back
only after one week. What will you do? = Keep the documents pending in your custody
for a week. The signature will be obtained after the customer return from the trip.
2) Cheques can be dishonoured only for reasons like= financial and technical
3) Bearer Miss Suzie has approached the cash counter with a post -dated cheque from the
account of Mr. Savio for payment. What will you do? = Postdated cheque does not
confer any right to debit the customer’s account till the arrival of the date mentioned
on the cheque. So, you will politely refuse the payment.
4) Mrs. Rose D’Souza has a locker with your branch. Her son Kevin is getting married this
week. She has sent Kevin to operate her locker. She says it is urgent as she is busy with
wedding preparations and she needs her son to remove her jewelry from the locker.
How will you help her? = Ask Kevin to come back with authority letter from his mother
to operate locker.
5) Ultra Violet check is conducted to ascertain = all of the above
6) Mr. Sharma does not have Internet banking access to his account. He asks his banker
friend Mr. Shankar to give him advised him on the benefits of internet banking. Which
one of the following statements do you think Mr. Shankar would have made? = it is a
real time and gives details on customer’s accounts.
7) You find that a cheque for Rs.84,000 issued from Mr. Deshpande’s account has been
presented for payment. But on scrutiny of the cheque, you find that the amount stated
in figures is written as Rs.8,400. How will you deal with the situation? = Although
payment of the amount stated in words will discharge the bank , in terms of practice
followed , the cheque will be returned
8) Identify the incorrect statement= Banking Ombudsman deals with all types of customer
complaints.
9) Mr. Gokhale had deposited a cheque for Rs.50,000 issued from the account of Mr. Lalit
Kumar. The same has been dishonoured by the Bank for insufficient Funds. Why is the
return of an unpaid cheque to the Mr. Gokhale important? = It enables Mr. Gokhale,
the lodger of the cheque to pursue legal remedies on the dishonoured cheque of Mr.
Lalit Kumar
10) How will you deal with an “Order” cheque presented for payment by the holder, Mr.
Ratnakar, across your counter? = seek an identification of the presenter Mr. Ratnakar
and make the payment
11) The Ombudsman passed an order after hearing both the parties, customer and the
bank. The order is: = binding on both parties is correct
12) Mr. Aggarwal has a lot of work related to bank that is pending for the last 20 days. He
wants to withdraw cash from an account and deposit cash in another account, he wants
to pay for a gadget he bought from a US website in dollars and put some jewelry back in
the locker. For which services will he have to compulsorily visit a branch? = physical
operation on safe deposit lockers
13) Special crossing on a cheque is an instruction to = pay only to the banker mentioned
in the crossing
14) Banker return cheques because of the following reason/s = all of the above
15)