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State Bank Learning Centre, Agra

Multiple Choice Questions


1. NI Act, 1881 does not cover (a) Cheques
(c) Promissory Notes

(b) Drafts
(d) Banks TDR/ STDRs

2. Max. No. of partners in a partnership (Banking - 10, Non-Banking - 20) firm is


governed by (a) Indian Contract Act, 1872
(b) RBI Act, 1934
(c) Indian Partnership Act, 1932
(d) Indian Company Act, 1956
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3. Under CTS-2010 digital signatures are treated as mandate under (a) N I Act, 2002
(b) Information Technology Act, 2008
(c) Indian Contract Act, 1872
(d) Indian Evidence Act,
[

4. State Bank of India conducts Govt. Business under (a) Sec-32 of S B I Act, 1955
(b) Sec-19(2) of Banking Regulation Act, 1949
(c) Sec-45 of RBI Act, 1934
(d) Both (a) & (c)
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5. RBI Conducts Inspection of Banks under (a) Sec-45, Banking Regulation Act, 1949 (b) Sec-31, of R B I Act, 1934
(c) Sec-132, of Indian Company Act, 1956 (d) None of the above
[

(6) Nomination facility is made available as per (a) Sec-45Z of Banking Regulation Act, 1949
(b) Sec-31 of RBI Act, 1934
(c) Sec-24 of Indian succession Act, 1924
(d) none of the above [
]
(7) Foreign Trade Policy is declared by (a) RBI
(b) Ministry of Finance
(c) Ministry of Commerce
(d) EXIM Bank of India

(8) Cash shortage of more than Rs.___ not reported on the date of occurrence by the
person(s) handling cash, shall be reported as fraud (a) Rs.5000.00
(b) Rs.10000.00
(c) Rs.20000.00
(d) Rs.1000.00
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(9) If blank IOI / Drafts form lost in a branch, Branch has to (a) Record the details of lost instruments in IOI/Drafts Lost Register
(b) Advice the controllers
(c) Upload the details of lost instruments in CBS and Advice the controllers
(d) Both (1) & (2)
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(10) In our Bank Minors who can adhere to uniform signature and are not less than
----- years old can open account in their single name
(a) 12
(b) 10
(c) 18
(d) 15
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]

(11) As per Sec.------ of Income Tax Act, 1961 if the amount of Time deposit on its
maturity is Rs.20,000/- and above is paid by way of Draft/ BC or deposited in the
account(a) Sec 269(T)
(b) Sec 271(E)
(c) Sec 194(A)
(d) Sec 194(H)
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(12) Periodicity of verification of customer identification is ______ years for low risk
customer and -----years for high risk customers(a) 3 & 2 respectively
(b) 4 & 2 respectively
(c) 5 & 2 respectively
(d) none of the above
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(13) If SB /CA accounts are closed within 14 days of opening penalty to be recovered
is(a) Rs.100.00
(b) Rs.50.00
(c) As per BM discretion
(d) No penalty is recovered
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(14) If Bank makes erroneous debit and Cheques gets returned due to insufficient
funds, Bank will compensate the customer with an interest on erroneously debited
amount at the rate of(a) 6%
(b) 5 %
(c) No interest is paid
(d) Saving Bank Interest Rate.
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(15)If post dated Cheques obtained for loan installment is dishonored; the branch
must give a notice in writing to the drawer, within ____ days of receipt of advice of
dishonor.
(a) 30
(b) 45
(c) 60
(d) 90
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(16) Our Bank has decided that the operating units/ Branches/CPCs will issue
statements of accounts in respect of all Term Loan Borrowers _____
(a) Once in a year as on 31 March (b) Half yearly
(c) Quarterly
(d) None of the above.
[
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(17) To close the account of illiterate person, the thumb impression of the depositor
is to be witnessed by _________________ acceptable to the Bank(a) Operating staff of the Branch
(b) Dependants of the depositor
(c) Independent witness
(d) Any one of the above.
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(18) SB or CA will be treated inoperative when there is no transaction for(a) 6 months
(b) 12 months
(c) 18 months
(d) 24 months
[

(19) Our Bank formulated a policy for dealing the incidents of frequent dishonor of
Cheques and failed ECS of value _____.
(a)Above Rs. 5.00 lacs up to Rs.10.00 lacs (c) Less than Rs.1.00 crore
(b) Above Rs.10.00 lacs uo toRs. 25.00 lacs (d) Above Rs.1.00 crore
[
]

(20) Bank enhanced cutoff limit for double signature on IOI from Rs.50000/- to
Rs. ____
(a) 75000/(b) 100,000/(c) 1, 50,000/(d) 2, 00,000/[
]
(21) Out of penalty of Rs.100.00 charged for deficiency/ error, in Home Loan
accounts opened at RACPCs, amount to be debited to the maker and checker is
(a) Rs.25/- and Rs.75/(b) Rs.50/- and Rs.50/(c) Rs.75/- and Rs.25/(d) Rs.80/- andRs.20/[
]
(22) Interest rate chargeable to staff for loan against surrender value of LIC/ SBI
Policies is stipulated as
(a) 60 Months TDR Rate for Public
(b) 60Months TDR Rate for Public + 1%
(c) 60 Months TDR Rate for Public + 2% (d) 60 Months TDR Rate for Public +3%
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(23) In Safe Deposit Lockers Two Nominations can be permitted in the following
type of operation
(a) E or S
(b) Jointly or Survivor
(c) Single operation
(d) jointly without survivorship clause. [
]
(24) What is the Relationship of Banker with the payee of a draft issued by the
Bank?
(a) Debtor and Creditor
(b) Trustee and Beneficiary
(c) Agent and principle
(d) Bailee and Bailor
[
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(25) In our Bank responsibility of Passing officer to scrutinize unusual transactions
is if amount of transaction is
(a) Up to Rs. 1.00 Lac
(b) > Rs.1.00 lac up to Rs. 2.00 lacs
(c) > Rs. 2.00 lacs up to Rs.5.00 lacs (d) > Rs. 5.00 lacs
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(26) Who is the Finance Secretary of Government of India
(a) Ms. Sushma Nath
(b) Sh. U C Sinha
(c) Sh. Ashok Chawala
(d) Sh. G K Pillai

(27) Banking Ombudsman Scheme is(a) Banks own Scheme


(b) IBA Scheme
(c) RBI Scheme
(d) BCSBI Scheme

(28) As per RBI Prudential Norms of credit Exposures Maximum Credit exposure to
individuals is Rs. _______ and to Non Corporates is Rs.____
(a) 15 crore & 50 crore
(b) 20 crore & 80 crore
(c) 25 crore & 100 crore
(d) 50 crore & 150 crore
[
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(29) As per our Banks Policy Guidelines 2010-11 Benchmark setout for whole Bank
growth in income from cross- selling is ____
(a) 50%
(b) 100%
(c) 200%
(d) 300%
[
]

(30) As per our Banks Policy Guidelines 2010-11 Benchmark setout for whole Bank
growth in Net Profit is _____
(a) 25%
(b) 30%
(c) 35%
(d) 40%
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(31) Under Government transactions, e-scrolls are introduced in respect of _____
(a) Department of Railway
(b) Department of Post
(c) Department of ICAR
(d) Defence
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(32) National Consumer Forum can admit cases, if dispute amount is _____
(a) Up to Rs. 20.00 lacs
(b) Up to Rs. 50.00 lacs
(c) Up to Rs.1.00 crore
(d) Above Rs. 1.00 crore
[
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(33) Funds allocated by our Bank for Corporate Social Responsibility related
activities are _______
(a) 0.05% of Net Profit
(b) 1.00% of Net Profit
(c) 1.50 % of Net Profit
(d) 2.00 % of Net Profit
[
]
(34) According to RBI statistics, Number of villages having population more than
2000 in our country is ________
(a) 1.00 lacs
(b) 1.09 lacs
(c) 1.25 lacs
(d)1.35 lacs
[
]
(35) Technology Fund Upgradation Scheme (TUFS) is applicable for
(a) Textile Units
(b) Leather Units
(c) Sugar Units
(d) None of the above
[

(36) State Bank of India has won CNBC Awaz Awards 2010 for
(a) Most preferred Bank for Home Loans (b) Most preferred Bank for Credit Cards
(c) Most preferred Bank for Most Credible Bank (d) All the above.
[
]
(37) Author of Book Audacity of Hope is(a) Vikram Seth
(b) Barak Obama
(c) Manmohan Singh
(c) Roetro Baggio
[
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(38) Which Country tops the list for inward foreign remittance?
(a) India
(b) USA
(c) Germany
(d) Saudi Arabia

(39) The State Bank Of India has recently launched its first retail bond issue on
18/10/2010 .The Bank has offered 10 year and 15 year bonds with a coupon rate of
and --- respectively
(a) 8.00% & 8.50%
(b) 8.25% & 8.75%
(c) 8.50% & 9.00%
(d) 8.75% & 9.00%
[
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(40) Repo.____ , Reverse repo and Bank rate are ----, -------, and ----- respectively
(a) 6.5 %, 5.50%, 6.00%
(b) 6.50%, 5.00%, 6.00%
(c) 6.25%, 5.25%, 6.00%
(d) 5.75%, 5.25%, 6.00%
[
]
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(41) The threshold limit for RTGS transactions is increased to -----(a) Rs. 1.50 lacs
(b) Rs. 2.00 lacs
(c) Rs. 3.00 lacs
(d) Rs. 5.00 lacs

(42) SEBI has recently made some changes in the ASBA process and the retail
investor limit has been raised from 1.00 lacs to _____
(a) Rs.150, 000/
(b) Rs.200, 000/
(c) Rs.250, 000/
(d) Rs.300, 000/
[
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(43) Group criti9 is a
(a) Group Insurance Product of SBI Life. (b) Group Insurance Product of General
Insurance Co.
(c) Group of Insurance Product of LIC (d) Group of nine countries of Central Asia
[
]
(44) Which of the following is not the item of Tier II CAPITAL?
(a) Undisclosed Reserve Funds
(b) Cumulative Perpetual Preferential Shares
(c) Hybrid Debt Equity Instruments (d) Statuary Reserves
[
]
(45) Narrow Banking refers to
(a) Banking activity in which Banks invest their funds in high risk securities in order to
earn more profit.
(b) Banking activity in which Banks generally accept deposits and invest in short term &
risk free assets.
(c) Banking activity in which Banks do all type of financial activities viz. long term
financing, insurance business apart from general Banking
(d) In this Bank operate in a narrow operational area
[
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(46) In case of CP (Commercial Paper) which of the following is not correct
(a) These can be issued only by Corporate having Min TNW of Rs.4.00 crore
(b) Period of maturity of CP is Minimum 7 days, Maximum Max 12 Months & minimum
amount is Rs.5.00 lacs
(c) These are unsecured Usance Promissory Notes
(d) These are secured promissory note
[
]
(47) Our Bank has recently launched a training programme called Prerna.
It is a ----(a) Training Programme for the IRDA certified employee of SBI for doing SBI Life
Business
(b) Training Programme for the IRDA certified women employee of SBI for doing SBI
Life Business
(c) Training Programme for the AMFI certified women employee of SBI
(d) Training Programme for the AMFI certified employee of SBI
[
]
(48)Code Of Banks Commitment deals with our commitment to---------(a) Standard Banking Practice in customer service (b) Sanction of advances
(c) Steps Taken against Fraud
(d) None of the above [

(49) Personal Accident Insurance Cover for defence & other Salary package account
holders having International Gold Debit Card under Gold/Diamond/ Platinum
Variants has been enhanced from Rs.2.00 lacs toRs.--(a) 3.00 lacs
(b) 4.00 lacs
(c) 5.00 Lacs
(d) 10.00 lacs
[
]
(50) As per revised guidelines in SBI advantage Car Loan scheme, required
EMI/NMI ratio for net annual income up to Rs. 5.00 lacs should no exceeds _____ %
(a) 30
(b) 40
(c) 50
(d) 60
[
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(51) In Doctor Plus scheme Minimum score of ____ under credit scoring model is
required for sanctioning the loan.
(a) 30
(b) 40
(c) 50
(d) 60
[
]

(52) Minimum Margin for SBI Student Loan above Rs. 4.0 Lacs for study in India is
______ and for study abroad is _______.
(a) 4% & 10%
(b) 5% & 15%
(c) 7% & 15%
(d) NIL & 15%
[
]
(53) For Housing Loans up to 20.00 lacs for house under construction or ready for
possession under Construction Linked Disbursement, the maximum loan amount is
restricted to LTV ratio of ____.
(a) 90%
(b) 80%
(c) 75%
(d) 60%
[
]
(54) In case of Gram Niwas scheme if last 2 years average annual income is above
2.00 lacs & up to 5.00 lacs EMI/NMI Ratio should not exceed ______
(a) 25%
(b) 40%
(c) 55%
(d) 60%
[
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(55) In case of House Loan to Businessmen which of the following is incorrect(a) Should be making profit continuously over last three years
(b) Loan amount is higher of income as per ITR + depreciation claimed or 5% of Annual
sales revenue
(c) O D facility not permitted
(d) O D facility is permitted
[
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(56) Margin in SBI Realty Scheme for loan up to Rs. 1.00 crore is(a) 20%
(b) 25%
(c) 30%
(d) 50%

(57) Which of the following is correct in case of SBI Home Loan plus (Personal
Loan)?
(a) Existing home Loan customers with satisfactory repayment period of at least one year
(b) Maintaining a SB/CA with us
(c) Loan = 75% of property value
(d) T L Or OD (with ATM) facility is permitted
[
]

(58) Which of the following is true in case of Sahyog Niwas?


(a) Rural Home Loan is sanctioned to SHG for on lending to its members
(b) Rural Home Loan may be sanctioned to Individual members of SHG
(c) Loan Amount is 10 time of savings of the corpus of SHG including limits already
sanctioned
(d) All the above
[
]

(59) Under Earnest Money Deposit scheme Loan up to _____ of application money
and Maximum _____ lacs may be granted(a) 75% & Rs.2.50 lacs
(b) 75% & Rs.5.00 lacs
(c) 90% & Rs.10.00 lacs
(d) 100% &Rs. 10.00 lacs
[
]
(60) In respect of Green Home Loan our Banks parameters for Energy Saving is
_____ and for water saving is _____ respectively.
(a) 20-30% & 30-50%
(b) 30-50% & 20-25%
(c) 10-20% & 15-25%
(d) 5-10% & 10-20%
[
]
(61) For Yuva Home Loan scheme upper age limit is 35 years. It can be extended up
to 40 years if there is minimum contribution of _____ % to combined EMI by each
of Husband & Wife.
(a) 10%
(b) 15%
(c) 20%
(d) 25%
[
]
(62)Under Used Car Loan scheme of Our Bank, Vehicle should not be more than
____ Years old, Repayment within Maximum _____ years for salaried and ----years for others
(a) 5, 7 & 5
(b) 5, 5 & 7
(c) 7, 7 & 5
(d) 3, 5, & 7
[
]
(63) Minimum NMI is Rs. ____ and Maximum repayment period is. ____ Months
respectively for mopeds and battery operated two wheelers
(a) 6250 & 48
(b) 6250 & 36
(c) 5000 & 48
(d) 5000 & 36
[
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(64) Under Tribal Plus scheme Min age is------Years ,Max age up to which loan to
be fully repaid is ------Year and Max Loan amount is -------- times NMI respectively.
(a) 21, 65 & 36
(b) 18, 65, & 36
(c) 18, 50, & 36
(d) 21, 65, & 60
[
]
(65) Under Reverse Mortgage Loan; if loan is granted jointly with spouse minimum
age minimum age of spouse to be
(a) 50 years
(b) 55 years
(c) 58 years
(d) above 58 years
[
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(66) Under ISHUP (Home Loan with central Government subsidy to EWS/ LIG
persons) average Monthly house hold income for EWS is -------(a) Up to Rs.5, 000/(b) Up to Rs.10, 000/(c) Up to Rs.15, 000/(d) Up to Rs.18, 000/[
]

(67) Under NRI Car Loan scheme the minimum NMI of NRI/ PIO-Guarantor
should be USD-------(a) 500
(b) 1000
(c) 1500
(d) 2000
[
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(68) Under Jai Jawan Pension Loan scheme Age of pensioner to be
(a) Up to 50 years
(b) Above 50 years & up to 55 years
(c) Above 55 years & up to 58 years
(d) 60 years & above
[
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(69) Pre Approved Home Loan Limit is valid for a period of -------- months
(a) 2
(b) 3
(c) 6
(d) 12
[

(70) Maximum limit of loan under SBI Loan to affluent pensioners is Rs.--(a) 1.50 lacs
(b) 2.00 lacs
(c) 2.50 lacs
(d) 3.00 lacs
[

(71) Max Loan amount to individuals against shares, if the shares are in demat form,
is Rs.____
(a) 10.00 lacs
(b) 20.00 lacs
(c) 25.00 lacs
(d) 50.00 lacs
[
]
(72) Under Gram Niwas maximum loan amount for repair/ renovation is Rs._____
& for construction purpose Rs._____
(a) 1.00 lac & 3.00 lacs
(b) 1.50 lacs & 3.00 lacs
(c) 2.00 lacs & 5.00 lacs
(d) 3.00 lacs & 5.00 lacs
[
]
(73) Margin required under Gram Niwas for loans up to Rs.50000.00 is
(a) 5%
(b) 10%
(c) 15%
(d) 20%
[

(74) For a loan of Rs.2.00 crore under SBI Realty, minimum margin required
is_____
(a) Rs.50.00 lacs
(b) Rs 60.00 lacs
(c) Rs. 75.00 lacs
(d) Rs.100.00 lacs
[
]
(75) Guarantee Cover available under CGTMSE Scheme for Women Entrepreneurs
for limit up to Rs 50.00 lacs is
(a) 75% of amount in default
(b) 80% of amount in default, Max Rs.40.00 lacs
(c) 50% of amount in default Max Rs.37.50 lacs
(d) 100% of amount in default
[
]
(76) As per classification of Business Enterprises for Financing under MSMED
ACT, 2006 a Small Service Enterprise is one where original investment in
Equipment other than land, building and F&F is
(a) Up to Rs. 10.00 lacs
(b) >Rs. 10.00 lacs & up to Rs.2.00 crore
(c) >Rs. 2.00crore & up to Rs. 5.00 crore (d) >Rs. 5.00 crore & up to Rs.10.00 crore
[
]

(77) As per classification of Industrial Enterprises for Financing under MSMED


ACT, 2006 a Small Industry is one where original investment in Plant & Machinery
other than land, building & F&F is_____
(a) Up to Rs. 10.00 lacs
(b) >Rs.10.00 lacs &up tp Rs.2.00 crore
(c) >Rs.25.00 lacs & up toRs. 5.00 crore (d) >Rs.5.00 crore & up to Rs.10.00 crore
[
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(78) SME-11 relates to
(a) Title Investigation Report
(b) Guarantee Agreement
(c) Deed of Mortgage
(d) Revival Letter.
[
]
(79) Maximum Loan amount granted under Artisan Credit Card is. ______
(a) Rs 50,000/
(b) Rs.100, 000/
(c) Rs. 200,000/
(d) Rs. 300,000/
[
]
(80) Maximum ceiling of Loan under Rent Plus in respect of loans to Medium &
Large Corporate through Rent Secruitisation route is_______.
(a) Rs. 5.00 crore
(b) Rs.7.50 crore
(c) Rs. 10.00 crore
(d) No ceiling
[
]
(81) Maximum loan amount granted under Transport Plus to Non Corporates is.__
(a) Rs. 5.00 crore
(b) Rs 7.50 crore
(c) Rs 10.00 crore
(d) Rs.15.00 crore
[
]
(82) Maximum Loan amount that can be sanctioned under School Plus scheme is___
(a) Rs.5.00 lacs
(b) Rs.10.00 lacs
(c) Rs.10.00 crore
(d) No ceiling
[
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(83) Margin under School Plus scheme is (a) 10%
(b) 15%
(c) 20%
(d) 25%

(84) CRA Rating norm for Loan under Flexi Loan for Trade & Services is
(a) Above SB 10
(b) Above SB 9
(c) Above SB 8
(d) Above SB 7
[

(85) Minimum DSCR under SME Credit Plus must be(a) 1.00
(b) 1.50
(c) 1.75
(d) 2.00

(86) Under SME Car Loan for Used Vehicle, Maximum loan is ___
(a) Rs.5.00 lacs
(b) Rs.10.00 lacs
(c) Rs.15.00 lacs
(d) Rs.20.00 lacs

(87) Maximum Loan amount granted under SLC (WC) to existing SSI and C& I
units is ____ % of working Capital Limit, Subject to Maximum ____
(a) 10, Rs.2.00 crore
(b) 10, Rs.5.00 crore
(c) 15, Rs.5.00 crore
(d) 20, Rs. 5.00 crore
[
]

(88) Minimum loan sanctioned under KCC, in states other than Utranchal is Rs.___
(a) 2,000.00
(b) 3,000.00
(c) 4,000.00
(d) 5,000.00
[
]
(89) Maximum loan amount under Tractor Upgradation- Sanjeevini Scheme is
RS. _____
(a) 50,000/
(b) 1, 00,000/
(c) 1, 50,000/
(d) 2, 00,000/
[
]
(90) Maximum Loan amount for individual activities for setting up of Agriclinic &
Agri Business Centre is Rs.____.
(a) 10.00 lacs
(b) 20.00 lacs
(c) 25.00 lacs
(d) 50.00 lacs
[
]
(91) Margin under Agriculture Gold Loan is--(a) 10%
(b) 20%
(c) 25%
(d) 30%

(92) Maximum repayment period for loan under Arthias plus Scheme is ----Months & Minimum required Margin is_____.
(a) 6 & 40%
(b) 6 & 25%
(c) 12 & 30%
(d) 3 & 40%
[
]
(93) Maximum repayment period under Gramin Bhandaran Yojna is--------(a) 7 years
(b) 8 years
(c) 9 years (gestation period 1 year)
(d) 11 years (gestation period 1year)
[
]
(94) Collateral security required under KCC & Dairy Plus for loan up to Rs.1.00 lac
is_____
(a) Nil,
(b) 50% of loan amount
(c) 75% of loan amount
(d) 100 % of loan amount. [
]
(95) Under New Scoring Model for Tractor Loan Borrower marks assigned under
Risk Characteristics and Transaction Risk Characteristics are ____ &____
respectively.
(a) 50, 50
(b) 40, 60
(c) 56, 44
(d) 44, 56
[
]
(96) GITC is situated at
(a) Kolkata
(c) Hyderabad

(b) Mumbai
(d) Banglore

(97) SBI has tied up with _____________for offering Mobile Banking Services,
(a) Vodaphone-Essar
(b) Idea cellular
(c) Bharti Airtel
(d) None of the above
[
]
(98) Daily & Monthly Transaction limits for Mobile Banking is Rs.___ and Rs ____
(a) Rs. 5,000/- & Rs.50, 000/(b) Rs. 5,000/- & Rs.1, 00,000/(c) Rs. 10,000/- & Rs.1, 00,000/(d) Rs. 50,000/- & Rs.2, 50,000/[
]

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(99) Single Transaction limits for Mobile Banking is Rs.______


(a) Rs. 5000/(b) Rs.10000/(c) Rs. 25000/(d) Rs. 50000/-

(100) IFSC is comprised of ______ Alpha Numeric characters (a) 9


(b) 11
(c) 12
(d) 16

(101) UTRN stands for(a) Unique Transfer Record Number


(c) Unique Transaction Record Number

(b) Unique Transaction Reference Number


(d) Unique Transfer Reference Number
[
]
(102) UTRN is comprised of ______ Alpha Numeric characters
(a) 11
(b) 12
(c) 15
(d) 16
[
]
(103) Latest product offered by our Bank to RINB customers is _______.
(a) e-RD
(b) e-TDR
(c) e-STDR
(d) e-Draft
[

(104) User rights facility provided to RINB Customers _______


(a) V: View Rights only
(b) O: View & Transactions Rights
(c) L: Limited Transactions Rights
(d) All the above
[
]
(105) ATM cum Debit Cardholders of State Bank Group can avail C2C transfer of
funds up to a maximum limit of Rs. ___ per transaction (a) Rs. 25,000/(b) Rs. 40,000/(c) Rs. 50,000/(d) Rs.1, 00,000/[
]
(106) Undelivered ATM PIN Mailer beyond ____ days should be effectively
destroyed (a) 30
(b) 45
(c) 50
(d) 60
[
]
(107) CMS refers to (a) Complaint Management System
(c) Complaint Marking System

(b) Customer Management System


(d) Complaint Mitigating System
[
]
(108) Computer Security Day is observed by our Bank on _______ every year.
(a) 1st July
(b) 1st August
(c) 30th November
(d) 24th December
[
]
(109) A CINB customer availing Vistar facility can put through a transaction up
to a maximum limit of Rs. ____
(a) Rs.10 Lacs
(b) Rs.50 Lacs
(c) Rs.100 Lacs
(d) Rs.500 Crores
[
]
(110) Corporate Loan can be granted up to a Maximum Limit of Rs._____
(a) Rs. 5 crores
(b) Rs.10 crores
(c) Rs. 15 crores
(d) Rs.100 crores
[

11

(111) Maximum loan amount under SBI-Siemens Medical Equipment Plus is ___
(a) Rs 25 crores
(b) Rs 50 crores
(c) Rs 100 crores
(d) Rs No ceiling
[
]
(112) EEFC stands for
(a) Electronic Exchange for Foreign Currency (b) Exporter Earnings for Foreign
Currency
(c) Exchange Earners Foreign Currency
(d) Non of the above
[
]
(113) FCNB Deposit can be accepted for a maximum period of ____
(a) 1 year
(b) 2 year
(c) 3 year
(d) 5 year

(114) Normally Bank Guarantee shall not have maturity of more than _______
(a) 18 months
(b) 3 years
(c) 10 years
(d) 5 years
[
]
(115) which one of the following is not a liquidity ratio (a) Current Ratio
(b) Quick Ratio
(c) Acid Test Ratio
(d) TOL/TNW

(116) At the whole Bank Level, Non Fund Based exposure should not exceed ____
times the Fund Based exposure
(a) 2 times
(b) 3 times
(c) 4 times
(d) 5 times
[
]
(117) Prudential Exposure limit for group borrowers other than infrastructure
projects is (a) 15% of Banks Capital fund
(b) 25% of Banks Capital fund
(c) 40% of Banks Capital fund
(d) 50% of Banks Capital fund
[
]
(118) What are the two Models in New CRA?
(a) WC & TL Model
(b) Regular & Simplified Model
(c) Borrower & Facility Model
(d) None of these
[
]
(119) Under CLTD minimum deposit is _______
(a) Rs. 50, 000/
(b) Rs.10, 000/
(c) Rs. 5,000/
(d) Rs. 1000/

(120) Periodicity of XOS Statement to be submitted to RBI is(a) Monthly


(b) Fortnightly
(c) Quarterly
(d) Half Yearly

(b) Indian Contract Act, 1872


(d) SARFAESI Act, 2002 [

(121) Hypothecation is defined in(a) NI Act, 1881


(c) Transfer of Property Act, 1882

(122) Export Finance, Running account facility can be sanctioned to an exporter


borrower if and only if overdue export bills should not exceed----------?
(a) 10% of average annual export realization for last 3 years
(b) 5% of average annual export realization for last 3 years
(c) 10% of average annual export realization for last 1 year
(d) 5% of average annual export realizations for last 1 year
[
]

12

(123) Beneficiary contribution required under PMEGP Scheme in case of a woman


beneficiary is
(a) 5%
(b) 10%
(c) 15%
(d) 20%
[
]
(124) For setting up project costing above Rs.5 lacs in the business / service sector,
the beneficiary should possess at least --------- standard pass certificate(a) IX
(b) X
(c) VIII
(d) XII
[
]
(125) Lock in period of Margin Money (Subsidy) under PMEGP Scheme is(a) 1year
(b) 2 years
(c) 3years
(d) 5years
[
]
(126) Exemption limit of secondary collateral security in respect of Group Loans
under SGSY scheme is(a) Rs. 1 lac
(b) Rs. 2 lacs
(c) Rs. 5 lacs
(d) Rs.10 lacs
[
]
(127) Maximum allowable unit project cost under SJSRY (UWSP) is(a) Rs.2 lacs
(b) Rs. 5 lacs
(c) Rs. 25 lacs
(d) No maximum limit
[

(128) Which of the following is true in case of PMEGP?


(a) There is no income ceiling for assistance for setting up of projects under PMEGP
(b) PMEGP is constituted by merging two schemes namely PMRY & REGP
(c) Assistance under the Scheme is available only for new projects sanctioned specifically
under the PMEGP
(d) All the above
[
]
(129) Funding under SJSRY is shared by the Centre and the States in the ratio
(a) 75:25
(b) 50:50
(c) 25:75
(d) 55:45
[
]
(130) Which of the following has not been merged in the SGSY?
(a) IRDP
(b) DWCRA
(b) SITRA
(d) REGP

Compilation up to 08.03.2011

13

Key to questions
1
11
21
31
41
51
61
71
81
91
101
111
121

d
a
c
b
b
b
d
b
b
d
b
d
d

2
12
22
32
42
52
62
72
82
92
102
112
122

d
c
b
d
b
b
a
c
d
a
d
c
b

3
13
23
33
43
53
63
73
83
93
103
113
123

a
d
d
b
a
a
d
b
b
d
a
d
a

4
14
24
34
44
54
64
74
84
94
104
114
124

d
d
b
b
d
c
a
c
b
a
d
a
c

5
15
25
35
45
55
65
75
85
95
105
115
125

a
a
a
a
b
d
d
b
d
c
c
d
c

6
16
26
36
46
56
66
76
86
96
106
116
126

a
a
a
d
d
b
a
b
c
b
b
a
d

7
17
27
37
47
57
67
77
87
97
107
117
127

c
c
c
b
c
c
b
c
c
c
a
c
d

8
18
28
38
48
58
68
78
88
98
108
118
128

b
d
c
a
a
d
a
d
b
d
c
b
d

9
19
29
39
49
59
69
79
89
99
109
119
129

c
c
d
d
b
d
a
c
a
a
d
a
a

10
20
30
40
50
60
70
80
90
100
110
120
130

14

b
c
b
a
c
a
d
d
a
b
b
d
d

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