To Preparation PDF

KNOWLEDGE UNIVERSE
GROUP QUIZ
ALL SERIES
Andrews George Koyappa

Srinivas Kante
Murli Manohar Yadav
Anmol Shrivastava
(Strictly for Internal Circulation Only)
On the request of Andrews George Koyappa Sir, Murli Manohar

Yadav Sir (Trainee Officer 2019 Batch) has started taking quizzes in
Kaizala Knowledge Universe Group.
Here are some sets of Quizzes-
SET-1
Questions-
Tell the Digits of the following-
1. CIF ?
2. Collateral ?
3. PPK ?
4. IFSC ?
5. BSR ?
6. MMID ?
7. UID ?
8. IMT ID ?
9. OTP ?
10. Product code ?
11.YONO OTP ?
12.INB OTP?
13.my cams OTP?
14.SBI Card OTP?
15. SWIFT ?
Answers-
1. CIF
11

2. Collateral
11

3. PPK
10

4. IFSC
11

5. BSR
7

6. MMID
7

7. UID
12

8. IMT ID
15

9. OTP
8

10. Product code

8

11. YONO OTP

6

12. INB OTP

8

13. my cams OTP

5

14. SBI Card OTP

6

15. SWIFT
11.

SET-2
Questions-
Minimum Age: -
1.CAR LOAN?
2.ASSURED CAR LOAN?
3.PENSION LOAN?
4.XC?
5.HL?
6.SBI FLEXI LOAN?
7.GOLD LOAN?
8.AGRI GOLD ?
9.PMAY?
10.KCC?
Maximum Age-
1.CAR LOAN?
2.ASSURED CAR LOAN?
3.PENSION LOAN?
4.XC?
5.HL?
6.SBI FLEXI LOAN?
7.GOLD LOAN?
8.AGRI GOLD ?
9.PMAY?
10.KCC?
Minimum Loan Amount: -

1.CAR LOAN?
2.ASSURED CAR LOAN?
3.PENSION LOAN?
4.XC?
5.HL?
6.SBI FLEXI LOAN?
7.GOLD LOAN?
8.AGRI GOLD ?
9.PMAY?
10.KCC?
Maximum Loan Amount: -

1.CAR LOAN?
2.ASSURED CAR LOAN?
3.PENSION LOAN?
4.XC?
5.HL?
6.SBI FLEXI LOAN?
7.GOLD LOAN?
8.AGRI GOLD ?
9.PMAY? (Maximum eligible amount for subsidy)
10.KCC?
Answers-
Minimum Age: -
1.CAR LOAN
21

2.ASSURED CAR LOAN

18

3.PENSION LOAN
NA

4.XC
18

5.HL
18

6.SBI FLEXI LOAN

21

7.GOLD LOAN
18

8.AGRI GOLD
21*I'm not sure

9.PMAY
18

10.KCC
18

Maximum Age -
1.CAR LOAN
67

2.ASSURED CAR LOAN

NA

3.PENSION LOAN
76

4.XC
NA

5.HL
70

6.SBI FLEXI LOAN

45

7.GOLD LOAN
70

8.AGRI GOLD
70

9.PMAY
70

10.KCC
70

Minimum Loan Amount-
1.CAR LOAN
1 lakh

2.ASSURED CAR LOAN

2LAKH

3.PENSION LOAN
25K

4.XC
25K

5.HL
NA

6.SBI FLEXI LOAN

20LAKH

7.GOLD LOAN
20K

8.AGRI GOLD
NA

9.PMAY
NA

10.KCC
NA

Maximum Loan Amount-
1.CAR LOAN 4times for self employed,professional,busines person&3times

for AGR I,for salary person 48of NMI.
2.ASSURED CAR LOAN

NA

3.PENSION LOAN
14LAC

4.XC
20Lac

5.HL
will be lowest on the basis of permissible (a)emo/nmi (b)LTV.

6.SBI FLEXI LOAN

1.2times of ltv

7.GOLD LOAN
20lakh

8.AGRI GOLD
25 lakh

9.PMAY12lakh (Maximum payable subsidy is Rs 2.68 lakhs in PMAY and

maximum loan amount up to which PMAY subsidy is applicable is Rs.12 lakhs.
Actual loan amount could be greater but PMAY subsidy will be calculated only
up to 12 lakhs)
10.KCC
NA

SET-3
Questions-
1.TVSR?
2.CMS?
3.CRS?
4.CRA?
5.RAROC?
6. Details of registration of companies should be
verified through ______.
7. Expand ICAI:-
8. ICSI ?
9. DGFT??
10. Banks may also accept __ issued to proprietary concern by the office of
DGFT.
11. Fresh KYC documents required for NRI ???
12. Fresh KYC for low risk?
13. fresh KYC for medium???
Answers-
1.Title verification search report

2.Complaint management system
3.Common reporting standard
4.Credit rating agency
5.Risk adjusted return on capital
6. Details of registration of companies should be verified through-
www.mca.gov.in.
7. Expand ICAI:- Institute of charted accountant of India
8. ICSI -Institite of Company Secretariat of India
9. DGFT-directorate general of foreign trade
10. Banks may also accept __ issued to
proprietary concern by the office of DGFT.
11. Fresh KYC documents required for NRI-2years
12. Fresh KYC for low risk-10
13. fresh KYC for medium-8
SET-4
Questions-
1-WHAT IS INSTA INVESTMENT??
2-EXPAND THESE CROSS-SELLING WORDS-
A) SSL? B) CIF? C) SP?
3-UNNATI CARD AGE CRITERIA & MIN AND MAX LIMIT??
4-ALL COMPLAINTS REGARDING INSURANCE SHOULD BE DISPOSED
OF WITHIN??
5- 3RD NOTICE REGARDING SBI LIFE RENEWAL SENT BY CONTACT CENTER
BEFORE HOW MANY DAYS??
6-MAXIMUM COVER CEILING OF CGTMSE??
7-EXPAND DEDS & WHO IMPLEMENT THIS SCHEME??
8-WHAT IS EASY COLLECT??
9-PROJECT LOTUS IS_____ CHANNEL INITIATIVE???
10-TELL 3 MODULE OF PROJECT LOTUS??
11-How much is the target for lending under DRI scheme ?
12-To be eligible under DRI Scheme,how much should be the Land holding?
13-Under DRI Scheme,what is the Quantum of Finance for Housing purpose?
14-What percent of DIR advances is targetted to SC/ST beneficiaries?
15-How much is the DRI Rate of Interest ?
16-What is the Objective of Sukanya Samriddhi Account?
17-Who can open a Sukanya Samriddhi Account?
18-Minimum and Maximum Amount of Deposit under SSA?
19-Tenure of the Deposit of SSA.
Answers-
1-WHAT IS INSTA INVESTMENT??

ONLINE & PAPERLESS MODULE FOR PURCHASING MUTUAL FUND IN CBS
2-EXPAND THESE CROSS-SELLING WORDS-
A) SSL-SBICAP SECURITIES LIMITED
B) CIF -CERTIFIED INSURANCE FESILIATORS
C)SP-SPECIFIED PERSON
3-UNNATI CARD AGE CRITERIA & MIN AND MAX LIMIT??
AGE-18-100 LIMIT-MIN 20000 MAX-500000
4-ALL COMPLAINTS REGARDING INSURANCE SHOULD BE DISPOSED
OF WITHIN?? -14 DAYS
5-3RD NOTICE REGARDING SBI LIFE RENEWAL SENT BY CONTACT CENTER
BEFORE HOW MANY DAYS?? -5 DAYS BEFORE RENEWAL DATE
6-MAXIMUM COVER CEILING OF CGTMSE?? -200 LAKHS
7-EXPAND DEDS & WHO IMPLEMENT THIS SCHEME??
DEDS-DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME
IMPLEMENTED BY NABARD
8-WHAT IS EASY COLLECT??
TO FACILIATE PREMIUM COLLECTION FROM POLICY HOLDER OVER THE
COUNTER OF OUR BRANCH
9-PROJECT LOTUS IS_____ CHANNEL INITIATIVE???- OMNI
10-TELL 3 MODULE OF PROJECT LOTUS?? 1-DIGITAL BANKING
2-FINANCIAL SUPERSTORE 3-ONLINE MARKETPLACE (B2C CONCEPT)
11-How much is the target for lending under DRI scheme ? 1% of the previous
years’ total advances
12-To be eligible under DRI Scheme,how much should be the Land holding?
Land holding should not exceed 1 acre of irrigated land or 2.5 acres of non
irrigated land
13-Under DRI Scheme,what is the Quantum of Finance for Housing purpose? Rs
20,000/-
14-What percent of DIR advances is targetted to SC/ST beneficiaries? Minimum
of 40% of DRI advances
15-How much is the DRI Rate of Interest ? 4% p.a. at simple rate
16-What is the Objective of Sukanya Samriddhi Account? To promote the
welfare of Girl Child
17-Who can open a Sukanya Samriddhi Account? A natural/ legal guardian on
behalf of a girl child
18-Minimum and Maximum Amount of Deposit under SSA?
Min.250 of initial deposit with multiple of Rs.100 thereafter with annual ceiling
of Rs.150000 in a financial year.
19-Tenure of the Deposit of SSA? 21 years from the date of opening of the
account.
SET-5
Questions-
1-Now how many documents are OVD doc ?

2-name all the OVD doc ?
3-are Aadhar and PAN OVD?
4-Aadhar and PAN are which type of doc in opening a a/c ?
5-doc required for opening companies a/c ?
6-doc for opening societies /associations /clubs a/c ?
7-for HUF a/c opening , declaration is taken from and documents required ?
8-for trust and nominee a/c , to protect it from being misused (circumvent ) bank
should take a step and the step is known as ? -
9- banks need to be vigilant against business entities being used by individuals
as a ______ for maintaining accounts with bank ?
10- details of registration should be verified through company master data from
ministry of corporate affairs govt of India site??
Answers-
1- now how many documents are OVD doc ? --6
2- name all the OVD doc ?
-- UID, DL , VOTER ID , NREGA CARD , PASSPORT , letter issued NATIONAL
POPUALTION REGISTER
3- are Aadhar and PAN OVD ? --UID -YES,PAN-NO
4- Aadhar and PAN are which type of doc in opening a a/c ? -- not mandatory
doc
5- doc required for opening companies a/c ? -- memorandum and articles of
association certificate of incorporation , certificate of commencement of
business (wherever applicable ) , a copy of the resolution of the board of
directors for opening of the a/c and identification of those who have the
authority to operate the a/c .
6-- doc for opening societies /associations /clubs a/c ?
- resolution for opening of the a/c a copy of bye laws copy of certificate of
registration in the case of
registered clubs and societies and associations, proof of identification of office
bearers who are opening
and operating the a/c
7-for HUF a/c opening .. declaration is taken from and documents required
?declaration from KARTA , proof of identification of karta , prescribed joint
Hindu family letter signed by all the *ADULT COPARCENER*
8-for trust and nominee a/c , to protect it from being misused (circumvent ) bank
should take a step and the step is known as ? -- FOUNDATION step
9- banks need to be vigilant against business entities being used by individuals
as a ______ for maintaining accounts with banks ? -- FRONT
10- details of registration should be verified through company master data from
ministry of corporate affairs govt of India site -- WWW.MCA.GOV.IN
SET-6
Questions-
1. Maintenance of record of transaction comes in which act?
2. CTR, CCR, STR, NTR and cross border wire transaction reports to be submitted
to....
3. Any deficiency in filing the mandatory reports by reporting entities will attract
minimum penalty .....which may go to extended per instance ....?
4. The key elements of KYC / AML/ CFT policy?
5. KYC compliance and fraud preservation day is-
6. Inoperative account means
7. Balance of unclaimed deposit of deaf account upto Rs ……….. can be processed
directly by branches
8. Immediate credit of out station cheque in satisfactory conducted account
permitted upto Rs..
9. UCIC full form –
10. FATF headquarters in
11. PML DEFINED UNDER which section
12. KUA full form
13. High risk countries list issued by ......
14. customer account where STR has already been
filed with FIU comes under which category
15. Frequency of STR and CTR submission/
Answers-
1. Section 12 of PML act 2002

2. FIU-IND
3. 10000 which may be extended to 1 lacs per instance per day
4. 4 key elements
5. 1 August
6. Accounts in which no customer induced debit/credit txns from last 2 year
7. 1 lakh
8. 30000
9. Unique customer identification code
10. Paris
11. sec 3 of PML act
12. KYC user agency
13. FATF thrice a year
14. High risk
15. Monthly
SET-7
Questions-
1. Pre-approved home loan PAL will be available only at which branch??

2. Sanction of pre-approved Home Loan limit will be advised to the borrowers
through which letter?
3. PLAL will be valid for how many months?
4. PLAL will be issued under the dual signatures of __ and __ ?
5. SBI Corporate Home Loan comes under which segment of bank?
6. Min age in sbi tribal plus?
7. Repayment period in earnest money deposit scheme?
8. Age criteria in sbi tribal plus?
9. Min service required in sbi tribal plus?
10. Headquarter of World Economic Forum?
11. Which sector of India contributes most in National Income of India ?
12. For Low risk customers, Customer Identification data should be updated
once in...... years.?
13. What is Maximum age limit at the time of full repayment for Pensioners &
Family Pensioners ?
14. ..........type of Charge created on Shares/ debentures?
15. Quarterly Average Balance required to be maintained in SME Power Base
account is.....?
16. Loans above what limit must be processed through LLMS.?
17. Which is the apex body for refinancing of pre and post shipment Export
credit extended by commercial banks?
18. In one instance, maximum number of Casual leave can be utilised ...........
Days?
19. In INB New user registration for INB get activated within........Hours?
Answers-
1. Pre-approved home loan PAL will be available only at which branches?-

RACPCs
2. Sanction of pre-approved Home Loan limit will be advised to the borrowers
through which letter? - “Pre-approved Loan Arrangement Letter (PLAL)”
3. PLAL will be valid for how many months?-3 months
4. PLAL will be issued under the dual signatures of __ and __ The processing
officer and The sanctioning officer
5. SBI Corporate Home Loan comes under which segment of bank? -SME/C&I
6. Min age in SBI tribal plus?-21
7. Repayment period in earnest money deposit scheme? 12 months
8. Age criteria in SBI tribal plus? 21 to 60 years
9. Min service required in SBI tribal plus? 5 years.
10. Geneva
11. Service Sector
12. 10 years
13. 78 years
14. Pledge
15. ₹ 20000/
16. ₹ 50 lakhs
17. Exim Bank
18. 4 days
19. 4 hours
SET-8
Questions-
1. Margin in Produce marketing loan????

2. Inspection In ABAL ....basis. ?
3. Validity of sanction in Kisan gold card?
4. Min and max loan in Agri ABAL?
5. CRA will be applicable for loan limits of Rs....lakhs and above in Agri ABAL?
6. CRA (Regular Model) New Unit Risk Factor Rating of New Units would be
capped at _?
7. CUE rating is a customer centric rating to be used for credit decisions for SMEs
across all the exposure segments upto Rs.__Crores in NBG?
8. The CUE rating once validated should not be reviewed /revised within _ \
months from validation?
9. For ___units, the PACE tool is Not Applicable?
10. Large Exposure Framework (LEF) to be implemented with effect from
____.???
11. Project Vivek?
12. Expand ―PACE??
13. Expand ―CUE?
14.-HOW MANY VISITS OF LOCKER IS WITHOUT CHARGE IN A YEAR??
15.-WHICH NOMINATION FORM USED BY SOLE HIRER OF SAFETY LOCKER???
16.-WHICH NOMINATION FORM USED BY JOINT
Answers-
1. Margin in Produce marketing loan?-40%

2. Inspection In ABAL ....basis. -Half Yearly
3. Validity of sanction in Kisan gold card?-1yr From The Date Of sanction
4. Min and max loan in Agri ABAL?-Min 3 Lakh Max 2 Cr
5. CRA will be applicable for loan limits of Rs....lakhs and above in Agri ABAL.-50
Lakh.
6. CRA (Regular Model) New Unit Risk Factor Rating of New Units would be
capped at _SB-6
7. CUE rating is a customer centric rating to be used for credit decisions for SMEs
across all the exposure segments upto Rs.__Crores in NBG- Rs. 50 Cr.
8. The CUE rating once validated should not be reviewed /revised within _
months from validation -Within 6 Months
9. For ___units, the PACE tool is Not Applicable. -Greenfield Units
10. Large Exposure Framework (LEF) to be implemented with effect from ____-
01.04.2019
11. Project Vivek: This is applicable for SME proposals from Rs. 25.00 Lacs to Rs.
50 Crs with Shifting from balance sheet based working capital financing to cash
flow based financing-Rs. 50 Crore
12. Expand ―PACE- Package for Accurate, Convenient, and Efficient Re-casting
13. Expand ―CUE- Credit Underwriting Engine
14.12 AFTER THAT 100+GST PER VISIT
15. SL1
16. SL 1A
SOME IMPORTANT ONE LINERS
1.KYC compliance and fraud prevention day is observed on .......... every year.
1st august

2. JOKHIM JAGRUKTA DIWAS is observed on............Every year.

1st

September
3. AML- CFT day ..........

2nd November

4. Are AADHAR and PAN classified as OVD document ?

UID Yes, PAN -No

5. How many documents are classified as OVDs ?

Six

6. KYC policy is defined in which act ?

PMLA ACT, 2002

7. Who has been recommended on AML and CFT ?
FATF ( FINANCIAL ACTION

TASK FORCE )
8. Under which section , kyc policy guidelines are applicable to all domestic
branches ?
Sec 3 of PMLA act

9. If aadhar and pan are not available with customer then which document will
take for opening of account ?
. Proof of Enrollment of aadhar card , form 60

and one OVDs document (reminder suprecourt verdict)
10. CFT full form - Combating of financing of terrorism.
11. Headquarter of FATF ?

France PARIS

12. Head quarter of FIU IND-

NEW DELHI

13. a/c maintained by professionals are called __ a/c !! And risk category ? –.

pooled a/cs ..high risk
14. C-KYC have ____ no ?

14

15. PEHLA kadam pehli Udaan risk category ?

Low risk

16. AML CFT cell at ?

Jaipur

17. amlock software acquired from ?

m/s 3i-infotech

18. _____software generate STR's for ATM , POS and e-commerce transaction ?
PRM (proactive risk management )

19. for high risk txn threshold for filtering txn for generation of alerts ?
10

lakhs
20. HNI individual having deposit of 1.5cr + risk type ?

high risk customers

21. software used to generate alerts for STR ?

AMLOCK

22. CTR report regarding txn of ___ and above in an a/c are generated by ___
itself and reported to ____ on _____ basis ??
10 lakhs , CDC Belapur , FIU India , monthly

23. If current address of customer is same as which in OVD , will take another ID
proof ?
No

24. Utility bill should not be older than ..... months Of any service provider for
current address proof . Two months

25. Customer shall have to update current address in OVD and submit the same
to bank within how many months? Three months

26. For opening of small account which document is sufficient?

Self attested

photograph
27. In small account , customer shall have to submit either proof of applied OVD
document or copy of OVDs with in ............. months from date of account
opening.
12months

28. While opening trust account , is there mandatory to take KYC of the person
authorizing to transact on behalf of trust ?
Yes

29. Type of facility in SBI REALTY loan scheme ?

Term loan

30. Type of facility in home loans to non- salaried segment for above amount of
20lacs to 3cr ?
Term loan or overdraft

31. Under sbi realty scheme , construction of house should be completed in how
many years after sanctiong of loan ?
5yrs

32. Minimum and maximum loan amount in non salaried segment ?

50k to

50cr
33. Minimum and maximum amount in sbi realty scheme ?

5 lacs to 15cr

34. What is the TAT for Housing Loan ?

6 days

(TAT- Turn around time, The time interval from the time of submission of a
complete loan application to the time of the disbursement of that loan. )
35. Full form of DAC

Document Archival Centre

36. Full form of MPST

Multi Product Sales Team

37. True/False- Welcome kit can be issued to Sole proprietorship firm .

False

38. TAT for Education loan

15 days

39. Full form of RACPC

Retail Assets Central Processing Centre

40. TAT for Auto Loan

2 days

41. Software for processing P seg Loans
LOS

42. Full form of BPR ?

Business processing reengineering

43. Consultant of BPR in sbi ?

Mc kensey

44. How many Pillars of BPR ?

Name them

Four: - Branch re-design, Centralized processing centers, Alternate delivery
channels, Sales forces
45. How many types of Branch redesign ?

Two

46. Who gives first assistance to customer at entry in branches ?

Grahak

mitra
47. In case of death of a sole locker hirer, (if nomination is not available), and
there is a valid will, then access may be given to ___
Executor / administrator

48. If there is joint locker hirer and locker is to be operated jointly( there is no
nomination), if one of the hirers dies, then access is to be given to __.

Survivor jointly with legal heir of deceased hirer.
49. In case no 2, what documents required to give permission to access locker?
Death certificate and proof of the legal representation

50. A locker with either & survivor clause ( nomination not allowed), if one of
hirer dies, then access is given to __
survivor

51. If there are joint locker hirers and all die and there is no nomination, then
who can have access ? Jointly to the legal heirs of all the deceased heir

52 .What is "SWAYAM"
It is a Bar code based pass book printer.

53. Height and Width of the pass book used for SWAYAM should be?
Height

: 18 cm Width : 20.5 cm
54. What is the approx per day and monthly no. of printing done through
SWAYAM? Per day : 10 lacs Monthly : 2 Crores

55.Recently bank has launched campaign on SWAYAM named them....?

CHAPS of SWAYAM
56. Whether Customers will be eligible for bar code whose branch has not
SWAYAM machine?
Yes

57.Who provides the bar Code stickers to the branch ?
Regional Stationary Department through i STAM

58. CBS Screen used for linking bar code stickers to SWAYAM?
007104

59.Name of the vendor which provides SWAYAM ?

Lipi and Forbes

60 .Catchline for SWAYAM?

Automated Pass Book Printer

61. In how many languages, SWAYAM can print the pass book?
12

62. On which accounts, pass-book can be printed by using SWAYAM?

Saving Recurring Deposits Public Provident Fund
63. What are the charges for using SWAYAM?

Nil

64. Safe custody /security are balanced once in?

Half Yearly.

65. Scrip withdrawn for renewal is entered in which register?

Securities ex

custody register
66. Nomination in safe custody article is limited to?

one

67. which form is to be taken for cancellation of nominee?

SL2

68. Amount to be recovered in case of loss of key of customers?

750+GST

69. Locker can be alloted to visually impaired person?

YES

70. Relationships of the banker and hirer in case of locker is?

LICENSOR &

LICENSEE
71. Lic policies should be entered in?

MISCELLANEOUS SECURITY REGISTER

72. Facility provided in produce marketing loan...

DL

73. Collateral security is waived upto-_____ in PML...

1lakh

74. If the loan amount is 75k..then the inspection will be..

MONTHLY

75. what is the maxm loan amouny in agri gold loan

25 LAKH PER FARMER

76. Repayment period in agri gold loan..CC/OD.

3YR DL..1YR

( For Internal Circulation Only)
On the request of Andrews George Koyappa Sir, Srinivas Kante Sir has
taken a session on promotion exams in Knowledge Universe Teams. He has
also conducted quiz.
Here are some important questions-
1. Provisioning Norms: Match the following:
I Sub- standard (Secured) (NPA for 1year) A 15%
II Sub-standard (Unsecured abinitio) B 20% (Infrastructure loan
(NPA for 1 year) 25% (Other than
Infrastructure loan)
III Doubtful I C 25% (secured portion)
100 % (unsecured portion)
IV Doubtful II D 40% (secured portion)
100% (unsecured portion)
V Doubtful III E 100%
1. Answer- I-A, II-B, III-C, IV-D, V-E
2. Match the following:

I Data on cases of willful default A Monthly
II Review of Bank’s Financial & Risk Management Policies B Quarterly
III Fair Practice Code for Lenders (FPCL) – Review of C Half - Yearly
Grievance Redressal Mechanism.
IV Review of Bank’s Loan Policy D Yearly
V Submission of particulars of all loan accounts of above E CRILC
Rs.5 crores and their classification, and SMAs through the
reporting system commonly known as
2. Answer- I-A, II-B, III-C, IV-D, V-E
3. Appropriation of recoveries in NPAs as per the Bank’s extant instructions is

done in accordance with following priority-
a) Charges, Unrealized Interest/Interest, Principal
b) Unrealized Interest/Interest, Principal, Charges
c) Principal, Unrealized Interest/Interest, Charges
d) Unrealized Interest/Interest, , Charges, Principal
3. Answer- A
4. SBI In-Cube, a dedicated branch for advisory services to budding

entrepreneurs was opened at-
a) New Delhi
b) Hyderabad
c) Chennai
d) Bangalore
4. Answer- Bangalore
5. The provisions of the loan policy are applicable to-

a) Domestic as well as international operations of the Bank
b) Only domestic operations of the Bank
c) Only international operations of the Bank
d) None of the above
5. Answer – A
6. Bank cannot grant loans and advances to the directors, and the firms in
which they hold substantial interest as per-
a) Banking Regulation Act
b) RBI Act
c) Companies Act
d) NI Act
6. Answer- Banking Regulation Act
7. ECR is made mandatory for exposures of-

a) Rs.10 Cr and above
b) Rs.5 Cr and above
c) Rs.20 Cr and above
d) None of the above
7. Answer- d) None of the above (50 Cr and above)

8. A visually challenged customer of your branch requesting for INB had
brought two witnesses who were related to him. Will you accede to his
request?
a. Relatives cannot be a party to witness the document
b. There is no prohibition in law for a relative of executants to be a witness of
document
c. No need for two witnesses.
d. None
8. Answer- C
9. To whom should a customer report in case of receipt of email/SMS or calls

over phone requesting for the details of personal information, password or
one time SMS (high security) password related to SBI Online Banking?
a. phishing.report@sbi.co.in
b. report.phishing@sbi.co.in
c. admin.phishing@sbi.co.in
d. None
9. Answer- B
10. What is the validity period of e-Card (Virtual Card) created under SBI
Online Banking?
a. 48 hours
b. No Time Limit Prescribed
c. Valid for single transaction
d. 48 hours or till the transaction is complete, whichever is earlier.
10. Answer D
11. For Linking of PPF or Loan Accounts opened under different CIF to the
existing INB username, the concerned user has to..
a. Give a request to INB department
b. Approach the branch which has given him INB facility
c. Not Possible
d. None
11. Answer B
12. Requests for opening of e-TDR/STD beyond 20:00 HRS IST under SBI
online Banking are scheduled for...
a. Next opening hours if user opts for the same
b. To be given fresh after 08:00 HRS IST on the next day
c. Not possible
d. None
12. Answer A
13. Our SBI’s Internet Banking site is certified by:

a. Very Sign
b. TCS
c. Satyam Computers Limited
d. Verisign
13. Answer D
14. Interest on Savings Bank account is calculated on the basis of-

a Daily Balance
b Lowest Balance between 10 th to Last Working Day on Monthly basis
c Month end balance
d None
14. Answer A
15. DEAF account is

a BGL account
b Sundry Deposit Account
c CGL Account
d Account maintained at RBI
15.Answer D
16. Maximum Period for which Capital Gain account can be opened for
construction-
a 3 years
b 2 years
c 1 year
d None
16. Answer A
17. How many times the money can be deposited in SBI Flexi Deposit Scheme
in a month?
a Only once during 1 st to 10 th of Every month
b Any number of times and at any time
c 12 times in a year
d None
17.Answer B
18. What is the penalty for default in payment of minimum deposit per year
in PPF scheme?
a Rs 50/ per financial year
b Rs 100 per financial year
c NIL
d None
18. Answer-A
19. How many nominations that can be accepted for Capital Gains Account-
a1
b2
c3
d4
19. Answer C
20. Air Accident Insurance cover for Platinum category Salary Package
Account Holders-
a Rs 10 lacs
b Rs 20 lacs
c Rs 25 lacs
d Rs 30 lacs
20. Answer D
21. What is the minimum and maximum tenure of SBI Tax Savings Scheme?
a Minimum 5 years and Maximum 10 years
b Minimum 3 years and Maximum 10 years
c Minimum 1 year and Maximum 5 years
d None
21. Answer A
22. The account of ‘X’ with the Bank has been attached by an Income Tax
attachment order for Rs.50,000/-The balance in the account of ‘X’ when the
order was received was Rs.30,000/-. A remits into the account a sum of
Rs.25,000/- subsequently. The amount attached under the order is....
(a) Rs.30,000/-
(b) Rs.25,000/-
(c) Rs.50,000/-
(d) Rs.55,000/-
22. Answer C
23. Garnishee Order is issued under Provisions of

(a) Civil Procedure Code 1908, Order 21, Rule 46
(b) Criminal Procedure Code
(c) Income Tax
23. Answer A
24. Protection under Section 131 of N.I. Act is not available to collecting
bankers for the following-
(a) Cheques bearing account payee endorsement
(b) Cheques bearing forged endorsement
(c) Cheque with irregular endorsement
(d) All the above
24. Answer C
25. An IT attachment order is received by your Branch attaching the funds of

Mr. X. There is a current account in the joint names of Mr. X and Mr. Y. No
individual account in the name of Mr. X. You should-
(a) attach the joint account of Mr. X and Mr. Y and do not allow any operation.
(b) inform the I.T. authorities that no account is being maintained by Mr. X
(c) attach 50% of the balance in the Joint account
25. Answer C
26. Banker’s right to set off against real and existing debts has precedence
over-
(a) a court attachment order
(b) a revenue attachment order
(c) (a) & (b)
26. Answer C
27. A cheque dated 31.04.2011 may be paid-

(a) on or after 01.05.2011
(b) on or after 30.04.2011
(c) should not be paid
27. Answer B
28. A pledges an ornament to a money lender who issues him a cheque for
Rs.1,000/-. which A passes on to B, a merchant towards cost of goods
purchased before. B presents the cheque to the Bank. The money lender
discovers the ornament pledged by A to be spurious and countermands
payment of his cheque. In such a case-
(a) B as a holder-in-due course can claim payment of the cheque from the
money lender
(b) B cannot claim payment of the cheque from money lender as A obtained it
fraudulently.
(c)as the money lender is entitled to stop payment of his cheque B cannot
claim payment.
28. Answer A
29. What is the margin for Bullet repayment loan-

a) 25 % b) 30% c) 35% d)15%
29. Answer C
30. What is the LTV ratio for gold loan-

a) 65% b )70% c) 75% d)80%
30. Answer C
31. Maximum Carpet Area allowed for EWS & LIG under PMAY-
a) 30 Sq mts & 60 Sq mts
b) 60 Sq mts & 90 Sq mts
c) 90 Sq mts & 110 Sq mts
d) None
31. Answer A
32. Processing charges for Pension Loan-

a) 0.25 % of loan
b) 0.50 % of Loan
c) 1% of loan
d) Nil
32. Answer B
33. How many times of Net monthly income is considered for calculation of
loan limit in case of Xpress credit-
a.6NMI b.12NMI c.24 NMI d.36NMI
33. Answer C
34. Home Loan (other than CRE & businessmen Home Loan) must be repaid
in maximum ………………………… subject to liquidation of the Home Loan before
the borrower reaches the age of 70 years-
a.20Yrs b.30yrs c.15 yrs d.10 yrs
34. Answer B
35. The maximum Home Loan amount for repairs / renovations should not
normally exceed …………………..
a.Rs.5lacs b.7.5 lacs c. 8 lacs d.Rs. 10 Lacs
35. Answer D
36. For Home Loan Borrowers falling under Commercial Real Estate (CRE)
maximum loan tenor will be ………………….
a.10yrs b.15 yrs c.20yrs d.25 Years
36. Answer D
37. Minimum and maximum loan amount under SBI Topup Loan are
……………..respectively-
a.Rs.50,000 and Rs.2 Crs b.Rs.2lacs & Rs.5crsc.Rs.75000 & Rs.2 crs d.Rs.2 lacs &
no limit
37. Answer D
38. Home loan should be repaid before the borrower attains the age of-
a.70 Years b.65 yrs c.62 yrs d.60yrs
38. Answer A
39. What is the maximum cost of car accessories which can be financed?
a. Lower of 5% of cost of vehicle or Rs. 100,000
b. Lower of 10% of cost of vehicle or Rs.100000
c. Lower of 5% of cost of vehicle or Rs.50000
d.Lowerof10% of cost of vehicle or Rs.50000
39. Answer C
40. What is the age group for availing a car loan?

a. 21-65Yrs
b.18-60 yrs
c.21-60yrs
d.21-70yrs
40. Answer A * (21-67 as per latest circular)
41. For sanctioning SBI Max Gain Home Loan, the customer should have
SB/CA with minimum balance of-
a.Rs.1000 b. Rs. 5,000 c.Rs.10000 d.Rs.20000
41. Answer B
42. How many times of Net monthly pension is considered for calculation of
loan limit in case of family pensioner-
a.12times b.10times c.18Times d.6times
42. Answer C
43. The maximum amount that can be sanctioned for family Pensioner aged
72 is-
a.Rs. 5 lacs b.Rs.3lacs c.Rs.2lacs d.Rs.1lac
43. Answer A
44. SBI Shauriya Home Loan scheme is applicable for-

a) Govt, public sector employees with pensionable service
b) Defence personnel* c) All salaried employees d) None
44. Answer B
45. Processing Fees for Privilege Home loan and Shauriya Home Loan is-
a) 0.35 % Min Rs 2000/ Max Rs 10000/ b) Rs 5000/ flat
c) 1% of loan amount d) Processing fees waived.
45. Answer D
46. Security for Ed Vantage Educational Loan Scheme is-
a) 110% of the loan plus 5 years simple interest
b) 100 % of liquid collateral c) a or b d) None.
46. Answer C
47. Nomination for Bank Deposits has been provided under-

(a)Sec-45-Z –A- of Banking Regulation Act
(b)Sec-45-A of RBI Act
(c)Sec-35 of RBI Act
(d)None of these
47. Answer A
48. What is MRFTP?

(a) Market Related Funds Transfer Pricing
(b) Mall Rent Financing To the Product
(c) Market Related Financing To Products
(d) Month end Records For Transfer Pricing
48. Answer A
49. A joint stock company can-

(i) can give guarantee to a partnership firm
(ii) can become a partner in a partnership firm
(a) (i) only
(b) (ii) only
(c) (i) & (ii)
(d) None of these
49. Answer C
50. CIN for Government Business Means-

(a) Customer Identification Number
(b) Challan Identification Number
(c) Consumer Identification Number
(d) None of the above
50. Answer B
51. IFRS refers to-

(a) International Financial Reconstruction System
(b) International Financial Reporting Standards
(c) Internal Financial Regulation and Supervision
(d) Internal Financial Reporting System
51. Answer B
52. Which of the following is not a Negotiable Instrument?
(a) Cheque
(b) Promissory Note
(c) Bill of Exchange
(d) Term Deposit Receipt
52. Answer D
53. Deposit of Title Deeds in case of Equitable Mortgage can be done at-
(a) Notified Centre
(b) Non Notified Centre
(c) Anywhere
53. Answer A
54. Preservation of Bank Records is defined under Section

(a) 45-Y of NI Act
(b) 45-Y of BR Act
(c) 45-Y of RBI Act
(d) 45-Y of SBI Act
54. Answer B
55. Safe custody receipt in respect of security deposit received from BCs/BFs
at Region level is to be kept with ___
(a) Regional Manager
(b) Chief Manager (Rural)
(c) Assistant General Manager (Admin)
55. Answer B.
56. As per RTI Act-2005, in the revised structure for replying the queries,
Branch Heads of SMGS-IV and below have been designated as -----
(a)CAPIOs
(b)CPIOs
(c)CIOs
(d)Appellate Authorities
56. Answer A
57. As per the latest amendment, the maximum amount that can be remitted
in to PPF A/c per FY is-
(a)Rs. 70,000
(b)Rs. 1,50,000
(c)Rs. 2,50,000
(d)Rs. 50,000
57.Answer B
58. As per the KYC norms,non- individual account holders with debit / credit
summation – Rs.2 crores to Rs.10 crores p.a will be classified as-
(a)Low risk
(b)High risk
(c)Medium risk
(d)Moderate Risk
58. Answer- B
59. PMLA refers to-

(a) Prevention of Money Laundering Act 2002
(b) Preventive Measures in Loans & Advances
(c) Prevention & Monitoring of Lapses in Accounts
(d) None of these
59. Answer A
60. Non face to face customers applies to-

(a) NRI Customer who wants to open account without visiting the branch
(b) Purdahnashin Women
(c) VVIP
(d) Persons put in to jail on life term.
60. Answer- A.
61. IBTS is to be used for

(a) Inter Branch Transactions of Internal Accounts
(b) Inter Branch Transactions
(c) All Branch Clearing General A/c Transactions
61. Answer- A
62. A Safe Custody A/c in the name of a minor can be opened only in respect
of-
a. Company Shares
b. Govt. Securities
c. Mutual Funds
d. None of the above
62. Answer D
63. When the name of a person is mentioned in the bill to be resorted to in

case of dishonour of the bill by the drawee is called as:
(a) Acceptor
(b) Co-acceptor
(c) or (b)
(d) Drawee in case of need
63. Answer D
64. What is the rate of interest chargeable on loans against PPF Balances?
(a) 1% over PPF Rate per annum
(b) 2% over PPF Rate per annum
(c) 2 % per annum
(d) 1% per annum
64. Answer C
65. RBI has assigned unique instrument type to MULTI CITY CHEQUES. The
unique type for Current Account is-
(a) 29
(b) 30
(c) 31
(d) 32
65. Answer A
66. A minor is competent to endorse an instrument:

(a) without incurring any liability
(b) with the consent of all parties
(c) subject to approval of the guardian
(d) the statement is not true
66. Answer A
67. The Grameen Bank Model of micro finance institution was developed
originally in:
(a) Pakistan
(b) Bangladesh
(c) Sri Lanka
(d) India
67. Answer B
68. Stamp duty payable on a promissory note is governed by:

(a) Banking Regulation Act
(b) Reserve Bank of India Act
(c) Negotiable Instruments Act
(d) Indian Stamp Act
68. Answer D
69. Indian Financial System Code is applicable to-

(a) NEFT & RTGS
(b) SWIFT
(c) STEPS
(d) ECS
69. Answer A
70. What is BIAK?

(a) Bank for International Aid Kenya
(b) Built in Internationally Accepted Key for SWIFT Messages
(c) Built In Authenticated Key
(d) Built In Asset code Key
70. Answer C
71. The committee formed for technological up gradation in banking system

is:
(a) Rangarajan Committee
(b) Narasimham Committee
(c) Vasudevan Committee
71. Answer B
72. White Label ATMs refer to-

(a) ATMs established by Non Banking Institutions
(b) ATMs set up by other Banks
(c) ATMs established by RBI
(d) ATMs established by Foreign Banks
72. Answer A
73. A deposit account in the joint names of a minor and his/her guardian can
be opened-
(a) Irrespective of minor’s age
(b) If the minor is of 10 years of age
(c) If the minor is of 10 years of age
(d) If the minor is of 14 years of age
73. Answer A
74. Dematerialisation is the:

(a) Process of converting physical shares into electronic shares
(b) Process of selling electronic shares
(c) Process of converting electronic shares into physical shares
(d) Process of transferring electronic shares from one account to another
account.
74. Answer A
75. As per Section 269 T of IT Act the Penalty for cash payment of Time
deposit together with interest where the aggregate amount Rs. 20000 and
above is-
(a) Rs.20000
(Strictly for Internal Circulation Only)
Quiz By Srinivas Kante Sir & Murli

Manohar Yadav Sir
(conducted at the request of
Andrews George Koyappa Sir
in Kaizala Knowledge Universe Group)
Part-II
2
Table of Contents
Sr Contents Page No.

No.
1. Some sets of Quizzes 3
2. Important One Liners 54
3. List of Regulators in India 59
4. Day to Day Banking 61
5. Imprtant Articles 66
6. Kaizala Knowledge Universe Group Link 70
Kaizala Knowledge Universe Group

3
SET-1
Questions-
Q.1. Expand LEI?
1. Legal Enterprise Identity
2. Legal Entity Identifier
3. Locker Enrolment Identity
4. Locker Enterprise Identifier
Q.2. LEI consists of how many digits?
1. 10 2. 20 3. 30 4. 40
Q.3. LEI obtention of Borrowers is made mandatory by RBI for Fund Based
and Non Fund Based Exposure of -
1. 5 crores
2. 10 crores.
3. 25 crores
4. 50 crores.
Q.4. CIR is mandatory for Non Borrowing Group where turnover is

1. 50 crores
2. 150 crores
3.100 crores
4. 200 crores.
Q.5. Name of documents:-

1. SME(1)-
2. SME(2)-
3. SME(3)-

4
4.SME (4)-
5. SME(5)-
6. SME(6)-
7. SME(7)-
8. SME(8)-
9. SME(9)-
10. SME(10)-
Q.6. Question related to SBI scholar loan:-

1.max loan in AA with collateral-
2.max loan in AA without collateral-
3.max loan in A with collateral-
4.max loan in A without collateral-
5.max loan in B with collateral-
6.max loan in B without collateral-
7.max loan in C with collateral-
8.max loan in C without collateral-
9.margin above 4lakh to 7.50lakh-
10.margin above 7.50 lakh-
Q.7. Answer following-

1.max loan for study in India under student loan schme-
2.max loan for study in abroad -
3.max loan for medical in bharat-
4.max moratorium period under student loan scheme-
5.repayment period -
6.-margin upto 4 lakh-
7.above4 lakh for India-

5
8.above 4 for abroad-

9.collateral security upto7.50 lakh-
10.above 7.50lakh-
11.TAT -
Answers-
Ans 1. Legal Entity Identifier
Ans 2. 20
Ans 3. 50 crores.
Ans 4. 100 crores
Ans 5. Name of documents:-
1.SME(1)- Letter of arrangements
2.SME(2)-Agreement of loan cum hypothecation
3.SME(3)-guarantee agreement
4.SME(4)-supplemental agreement of loan cum hypothecation
5.SME(5)-memorandum for recording creation of mortgage by deposit of
title deeds
6.SME(6)-letter of confirmation for creation of mortgage by deposit of
title deeds
7.SME(7)-memorandum for recording extension of mortgage by deposit
of title deeds
8.SME(8)-letter of confirmation for extension of mortgage by deposit of
title deeds
9.SME(9)-deed of mortgage
10.SME(10)-deed of further charge
Ans 6. 1.max loan in AA with collateral-nil

2.max loan in AA without collateral-40lakh
3.max loan in A with collateral-30lakh

6
4.max loan in A without collateral- 20lakh

5.max loan in B with collateral-nil
6.max loan in B without collateral-20lakh
7.max loan in C with collateral-30lakh
8.max loan in C without collateral-7.50lakh
9.margin above 4lakh to 7.50lakh-5%
10.margin above 7.50 lakh-nil
Ans 7. 1.max loan for study in India under student loan schme-10lakh
2.max loan for study in abroad -20 lakh
3.max loan for medical in bharat-30lakh
4.max moratorium period under student loan scheme-course period+1yr
or 6 months after getting job which ever is earlier.
5.repayment period -15yrs
6.-margin upto 4 lakh-nil
7.above4 lakh for India-5%
8.above 4 for abroad-15%
9.collateral security upto7.50 lakh-nil
10.above 7.50lakh-tangible security+guarantee of co borrower
11.TAT -15 days
SET-2
Questions-
1. Right to information act came into force in year -

2. Time limit for disposal of application if it concerns the life or liberty of of a
person-
3. Full form of CPIO.-

7
4. Who is CPIO for ATM complaints. -

5. Who is CPIO for home loan related complaints.
6. CINB Forms- “C-2”-
7.“C-3”-
8.C-4” -
9. C-5-
10. C-6”-
11. C-7-
12. C-8”-
13. C-9-
14. C1-
15. SBLC(State Bank Learning Centre) has been renamed as ........ ?
16. MICR (Magnetic Ink Character Recognition) code consists of.........digits?
17. Banker’s Cheque shall be valid for ___months from the date of issue?
18. The Periodicity of KYC updation for high risk customers is _?
19. As per Sec ___ of Indian Contract Act 1872, a minor cannot enter into a
contract.
20. Settlement of assets of Deceased Constituents to be made within ___
days?
21. The insurance cover available under PMSBY (Pradhan Mantri Suraksha
Bima Yojna)is Rs._______ lakhs.
22. What is the minimum loan amount under Super Bike Loan scheme...?
23. Under SBI Realty, the condition is that the construction should be
completed........years ?
24. Expand MDR?
Answers-
1. Right to information act came into force in year - 2005
2. Time limit for disposal of application if it concerns the life or liberty of of a

8
person- 48 hours
3. Full form of CPIO.-Central public information officer
4. Who is CPIO for ATM complaints. - DGM (ATM)
5. Who is CPIO for home loan related complaints-DGM (Real estate & home
loans)
6. CINB Form “C-2”-Registration of Regulator (for Vistaar only)
7. “C-3”- Registration of Administrator
8. C-4” -Terms and Conditions
9. C-5- Board of Resolution
10. C-6”- CINB User Manual Form
11. C-7-User Registration
12. C-8”- Acknowledgement of Receipt of PPK
13. C-9-- Mobile Registration
14. C1-registration of corporate
15. SBILD
16. 9
17. 3 months
18. 2years
19. Sec 11
20. 15
21. 2lakhs
22. 2.5lakhs
23. 5years
24. Merchant Discount Rate

9
SET-3
Questions-
YONO Quiz
1. URL to login yono
2. Most intelligent feature of YONO
3. Dedicated toll free number of YONO
4. YONO krishi has reduced no. of document from..... To......
5. YONO krishi is available in...... Language, Name them
6. Three key proposition of YONO KRISHI
7. Minimum age for agri gold loan on YONO
8. Minimum and maximum agri gold loan on YONO
9.Processing fee in agri gold loan
A. Upto 25000.
B. Above 25k to 5lacs
C. Above 5 lacs
10. After submitting refferal code of YONO KRISHI is valid til.... Days
Answers-
1. https://www.sbiyono.sbi
2. SIA
3. 1800111101
4. 9 to 4
5. 9 languages(English,hindi,bengali ,Malayalam,kannada,Marathi,
Punjabi,Tamil,Telugu)
6. Mandi ,Mitra ,agri gold loan

10
7. 18 years
8. min-nill Max- 25lacs
9. upto 25k –nill,
Above 25k to 2lakhs -500+gst,
2lakhs above. - 0.3%+gst
10. 15days
SET-4
Questions-
1. Which variant of debit card is being issued to SBI wealth customers, Who
are ultra HNI Clients?
2. Expand SIVA
3. Debit Card replacement Charges is ?
4. First ever talking ATM in SBI was installed at?
5. Expand CVV
6. Name of the hardware installed at ATM switch centre for PIN
authentication?
7. Error Code 62 of ATM refers to ……
8. Error code 76 refers to….
9. Error Code 150 refers to ……..
10. Minimum amount of term deposit which can created by using our ATMs
11. Air ambulance facility for salary package account is Rs…………..
12. Air accidental insurance (Death) covered in Silver Variants of CSP
13. Air accidental insurance (Death) covered in gold Variants of CSP
14. Air accidental insurance (Death) covered in diamond Variants of CSP
15. Air accidental insurance (Death) covered in Platinum Variants of CSP

11
Answers-
1. Which variant of debit card is being issued to SBI wealth customers, Who
are ultra HNI Clients? Signature (Visa)
2. Expand SIVA SBI intelligent voice assistant
3. Debit Card replacement Charges is ? Rs 300+Gst
4. First ever talking ATM in SBI was installed at? JNU Delhi (04.10.2012)
5. Expand CVV Card Verification Value
6. Name of the hardware installed at ATM switch centre for PIN
authentication? HSM(Host Security Module) Procured from Racal , UK
7. Error Code 62 of ATM refers to …… Pin Tries Exceed
8. Error code 76 refers to…. Dormant Account
9. Error Code 150 refers to …….. Blocked Card
10. Minimum amount of term deposit which can created by using our ATMs Rs
10000
11. Air ambulance facility for salary package account is Rs………….. Rs 5Lac
12. Air accidental insurance (Death) covered in Silver Variants of CSP Nil
13. Air accidental insurance (Death) covered in gold Variants of CSP Rs 5Lac
14. Air accidental insurance (Death) covered in diamond Variants of CSP Rs
20Lac
15. Air accidental insurance (Death) covered in Platinum Variants of CSP Rs
30Lac
SET-5
Questions-
Answer below quiz
1)TDS comes under which act

12
2)How many members are there in National Commission-

3)Under Nation Commission, claims are to made upto what amount
4)In what condition appeal will be allowed in National Commission?
5)Bankers’ Books Evidence Act came into existence in which year-
6) ........is issued by the Court on the WILL of the Deceased
7) A person who dies without WILL is called-
8)A person who dies by leaving WILL behind, is called-
9) The person who makes a Will is called-
10) person who inherits property under a Will -
11) A person is said to be ..of another if the two are related by blood or
adoption wholly through males-
12)One is a .of another, if the two are related by blood or adoption, but not
wholly through males-
13)The document that alters, adds or explains a will is called- codicils
14) A person who is named in the will of a deceased person to manage his
Estate is called-
15)Testamentary Guardian is appointed by-
Answers-
1) TDS comes under which act-Sec-194 of IT Act,1961

2) How many members are there in National Commission-5 Members
3) Under Nation Commission, claims are to made upto what amount-More
than 100Lacs
4) In what condition appeal will be allowed in National Commission?
-Appeal will be allowed if the appellate deposits 50% of the amount ordered by
State Commission or Rs.35000/- whichever is less
5) Bankers’ Books Evidence Act came into existence in which year- 1891
6) ………….is issued by the Court on the WILL of the Deceased-PROBATE

13
7) A person who dies without WILL is called-INTESTATE

8) A person who dies by leaving WILL behind, is called-TESTATE
9) The person who makes a Will is called-TESTATOR
10) person who inherits property under a Will -LEGATEE
11) A person is said to be ..of another if the two are related by blood or
adoption wholly through males-AGNATE
12) One is a .of another, if the two are related by blood or adoption, but not
wholly through males-COGNATE
13) The document that alters, adds or explains a will is called- CODICIL
14) A person who is named in the will of a deceased person to manage his
Estate is called-EXECUTOR
15) Testamentary Guardian is appointed by-WILL
Questions-
1. CMP cheques with Facsimile signature upto-
2.CCPAP cheques with Facsimile signature upto-
3. Staff Pensioner‘s Day is observed on-
4.CSCMeeting is observed-
5. Customer Day is to be observed at branches and administrative offices -
6. Customer Relationship Programme is observed in-
7.Vigilance Week observed -
8.PVC meeting is observed-
9.Branches having minimum ... staff should arrange for Preventive Vigilance
Meeting-
10.If any frauds occurs, Preventive Vigilance Meeting should be carried out-
Give Full Form of-
11.PBF-
12.TMK-
13.BHS-

14
14.CVV-
15.EMV-
16.DCPK-
17.TPD-
18.NAC-
19. SCS-
20. BYOD-
Answer below questions-

21. Additional Air Accidental Insurance (Death) cover in CSP Variants
for Gold-
22.Additional Air Accidental Insurance (Death) cover in CSP Variants for
Diamond -
23.Additional Air Accidental Insurance (Death) cover in CSP for Platinum-
24. Personal Air Accident Insurance Cover (Death)for Gold -
25.Personal Air Accident Insurance Cover (Death) for Yuva-
26.Personal Air Accident Insurance Cover (Death) for platinum-
27.Personal Air Accident Insurance Cover (Death) for pride-
28.Personal Air Accident Insurance Cover (Death) for premium-
29.Personal Air Accident Insurance Cover (Death)for signature-
30.FEBA -
Answers-
1. CMP cheques with Facsimile signature upto-10lakh

2.CCPAP cheques with Facsimile signature upto-5lakh
3. Staff Pensioner‘s Day is observed on-27th of Second month of every quarter
4.CSCMeeting is observed-Once in a month

15
5. Customer Day on _ of every __ (next day in case of holiday) to be observed

at branches and administrative offices -15th of Every Month
6. Customer Relationship Programme is observed in-Once in every quarter
7.Vigilance Week observed -November
8.PVC meeting is observed- Once in every quarter
9.Branches having minimum ... staff should arrange for Preventive Vigilance
Meeting-10
10.If any frauds occurs, Preventive Vigilance Meeting should be carried out-
Irrespective of staff strength
Full Forms-
11.PBF-Positive Balance File
12.TMK-Terminal Master Key
13.BHS-Business Hour Safe
14.CVV-Card Verification Value
15.EMV-Euro Pay, Master & Visa
16.DCPK-Debit Card Printing Kiosk
17.TPD- Transaction Processing Device
18.NAC-Network Access Control
19 SCS-Structured Cabling System
20.BYOD-Bring Your Own Device.
21. Additional Air Accidental Insurance (Death) cover in CSP Variants for Gold-5
Lacs
22. Additional Air Accidental Insurance (Death) cover in CSP Variants for
Diamond - 20 lacs
23. Additional Air Accidental Insurance (Death) cover in CSP for Platinum-30
lacs
24. Personal Air Accident Insurance Cover (Death) for Gold -4lakh
25.Personal Air Accident Insurance Cover (Death) for Yuva-4lakh
26.Personal Air Accident Insurance Cover (Death) for platinum-10lakh

16
27.Personal Air Accident Insurance Cover (Death) for pride-4lakh

28.Personal Air Accident Insurance Cover (Death) for premium-10lakh
29.Personal Air Accident Insurance Cover (Death) for signature-20lakh
30. FEBA -Finacle E-Banking Application
SET-6
Questions-
1. Type of loan facility is provided in sbi pension and loan to coal mines
pensioners ?
2.Type of loan facility is provided in JAI JAWAN pension loan ?
3.. Minimum loan amount is given in all pension loan ?
4. Maximum loan amount in sbi pension and coal mines pensioners ?
5. Maximum repayment period in pension loan???
6. Maximum repayment period in jai jawan pension if age of the borrower is up
to 56yrs ??
7. Maximum loan amount in jai jawan pension loan??
8. Maximum repayment period in loan to coal mine pensioner ?
9. Maximum loan is given in sbi family loan ?
10. Maximum EMI ratio in sbi family pension ?
Answers-
1.DL
2.TL
3.25k
4.14lakh&3lakh
5.60m

17
6.84m
7.36Nmi or 14lakh
8.60 EMIs, commencing after one month of the disbursal of the loan.
9. 5lakh
10. 33%
Questions-
1.Minimum NAI is required in LAP ?

2. Minimum and maximum loan amount in LAP scheme ?
3. Maximum repayment period in LAP ?
4. Minimum and maximum loan amount in reverse mortgage loan ?
5. Minimum age required of borrower to be eligible for sbi mortgage loan ?
6. If borrower takes loan jointly with spouse in reverse mortgage loan then
Minimum age of spouse
should be ..........Yrs ?
7. Maximum tenure of loan in RM if borrower age is up to 65yrs and above
65yrs ?
8. What should be the minimum residual period of property left in case of
single borrower under
reverse mortgage loan ?
9. LTV ratio in LAP up to 1cr and Above 1cr?
10. Type of loan facility in Loan against property and SBI REVERSE mortgage
loan ?
Answers-
1. 3lkh
2. min 5 Lakhs max 7.5 crore
3. 15 yrs

18
4. min 3 Lak max 1.5 crore

5. 60 years and above
6. 58 years
7. up to 65 years - 20 years,above 65 years - 20/15 years
8. 25 years
9. up to 1 cr - 65%
Above 1 cr - 60%
10. Non renewable OD
SET-7
Questions-
1 What is the Eligibility Criteria for issuance of Platinum (Master / Visa)Card ?

2 What is the Eligibility Criteria for issuance of Platinum (Rupay )Card?
3 What is the Eligibility Criteria for issuance of Pride Card ?
4 What is the Eligibility Criteria for issuance of Premium Card ?
5 What is the Daily Cash Limit at ATMs for Classic Debit Card?
6 What is the Daily Cash Limit at POS / E Commerce for Classic Debit Card?
7 What is the Daily Cash Limit at ATMs for Global Debit Card?
8 What is the Daily Cash Limit at POS / E Commerce for Global Debit Card?
9 What is the Daily Cash Limit at ATMs for Gold Debit Card?
10 What is the Daily Cash Limit at POS / E Commerce for Global Debit Card?
Answers-
1.AQB>1lakh
Deposits >10lakh
Home loan>20lakh
Car loan>5lakh

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2.AQB>50k
Deposits>5lakh
Home loan >10lakh
Car loan >3lakh
3.1lakh-25lakh
4.balance 5lakh n above
Loan limit 25lakh n above
5.20000
6.50000
7.40000
8 75000
9.50000
10.75000
Questions-
1)Facility given to Non Permanent Employees under XPRESS CREDIT?
2)What security is obtained from Permanent employees in case of Xpress
Credit?
3)What should be the number of employees (teaching and non-teaching) of an
Institutes to be eligible
for Xpress Credit?
4)Minimum Net Monthly Income of a Non Permanent Employee for Xpress
Credit?
5)How much is EMI/NMI ratio for Permanent / Non-Permanent / Teaching &
Non-teaching staff?
6)Margin in SBI Xpress Credit?
7)What security to be obtained from Non Permanent Employees in XPRESS
CREDIT?
8)Minimum and Maximum quantum of loan for Permanent Employees in SBI

20
XPRESS CREDIT?
9)When will be a Permanent Employee will be eligible for 2nd loan in Xpress
Credit?
10)Maximum period of repayment in Xpress Credit given to Teaching/non
teaching staff??
Answers-
Hint-
1) demand loan
2) no security
3)50
4) 10,000
5) 50℅
6) nil
7) Third party guarantee
8) 25000 to 20 lakh
9) Immediately
10) 60 months
Questions-
1. What is the Daily Cash Limit at ATMs for Pride Card?
2.What is the Daily Cash Limit at POS / E Commerce for Pride Card?
3.What is the Daily Cash Limit at ATMs for Premium Card?
4.What is the Daily Cash Limit at POS / E Commerce for Premium Card?
5.What is the Daily Cash Limit at ATMs for Platinum card?
6.What is the Daily Cash Limit at POS / E Commerce for Platinum Card?
7.What is the Daily Cash Limit at ATMs for Contactless Debit Card?
8.What is the Daily Cash Limit at POS / E Commerce for Contactless Debit Card?
9.What is the Daily Cash Limit at ATMs for Signature Card?

21
10.What is the Daily Cash Limit at POS / E Commerce for Signature Card?
Answers-
1.1lakh
2.2lakh
3.2lakh
4.5lakh
5.1lakh
6.2lakh
7.40000
8 75000
9.1lakh
10.3lakh
SET-8
Answer following questions-
1. ATMs at crowded places are vulnerable to.......?
a) Smurfing
b) Skimming
c) Shoulder surfing
d) Cash Trapping
Answer- Shoulder surfing
2. Why is it suggested to use the “Virtual Keyboard” on the login screen for
entering credential of INB… … … … ...?
a) It is easy to use by mouse

22
b) To avoid key hits being recorded

c) To avoid skimming
d) To avoid any Phishing attack
Answer- To avoid key hits being recorded
3. User should access internet on bank's PC/Desktop System through… .?

a) Cabled internet connection
b) Data card
c) Wi-fi
d) Bank's Corporate Internet proxy setup
Answer- Bank's Corporate Internet proxy setup
4. Every new Desktop / PC / Windows Server deployed in the Bank must be

brought under… … … … …
a) Active Directory Services & Anti-Virus Protection
b) Anti-Virus Protection only
c) Active Directory Services only
d) Licensed MSOffice software
Answer- Active Directory Services & Anti-Virus Protection
5. What is not correct about Right to Grievance Redressal and

Compensation?
a) The customer has a right to hold the financial services provider accountable
for the products offered and to have a clear and easy way to have any valid
grievance redressed.
b) The provider should also facilitate redressal of grievances stemming from its
sale of third party products.
c) The financial services provider must communicate its policy for

23
compensating mistakes, lapses in conduct, as well as non-performance or

delays in performance, whether caused by the provider or otherwise.
d) The policy must lay out the only rights of the customer when such events
occur.
Answer- The policy must lay out the only rights of the customer when such
events occur.
6. The min transaction in Currency Chest is Rs .......- & in multiples of Rs ./-

thereafter.
a) 50,000 , 25,000
b) 1,00,000. 50,000
c) 50,000 , 50,000
d) 1,00,000 , 25,000
Answer- b) 1, 00,000. ; 50,000
7. Who among the following can nominate?

a) Administrator
b) Attorney
c) Adult Individual
d) Agent
Answer- Adult Individual
8. A Succession certificate granted by a District Court is valid----

a) Within the district
b) Throughout the state
c) Throughout the country
Answer- Throughout the country

24
9. An individual having an FD dies. Claim is made by legal heirs and the FD is

yet to mature. What will be the interest rate?
a) From the date of death to the date of payment at the rate of S.B. Rate as
applicable on Date of Payment
b) From Date of Maturity to Date of Payment at SB interest.
c) As applicable to the actual period up to payment, without penalty.
d) Contracted rate up to DOM and simple TDR rate from DOM to Date of
Payment
Answer- d) Contracted rate up to DOM and simple TDR rate from DOM to Date
of Payment
10. In case the claims up to a threshold limit of Rs 100000/- (Rs one Lac only)
in respect of missing persons, reported missing for a minimum period of one
year, shall be settled on production of which of the documents:
a) FIR, Non-traceable report issued by the police authorities, Indemnity from
the claimant (s).
b) FIR, Indemnity from the claimant (s).
c) Non-traceable report issued by the police authorities, Indemnity from the
claimant (s).
d) None of the above as a person missing for 7 years or above only is presumed
to be dead
Answer- FIR, Non-traceable report issued by the police authorities, Indemnity
from the claimant(s).
11. A gold ornament was found lying on the floor of the locker room at the
end of the day. It was felt that the gold ornament was inadvertently left by
hirer after operation of the locker. What should be done to this gold
ornament?
a) It should be kept in the Branch Manager’s safe.
b) It should be kept in the strong room.
c) It should be retained as safe deposit article at the branch in a packet sealed

25
with the personal seals of both the joint custodians of cash.

Answer- It should be retained as safe deposit article at the branch in a packet
sealed with the personal seals of both the joint custodians of cash.
12. Small Coin Depot is the property of.....

a) State Bank of India
b) Reserve Bank of India
c) Government of India
d) Central Bank of India
Answer- c) Government of India
13. Which of the following is/are areas in Centralized Project Ganga… … …… ?

a) Capital Conservation
b) All are correct
c) BU-Initiatives
d) BOD Initiatives
Answer- All are correct
14. YONO – Accounts opened at the branch on the basis of Officially Valid
Documents require the customer to submit a signed copy of the … … ..
a. Terms and Conditions form only
b. Account opening form and Terms and Conditions form
c. Customer Data Input Form and Terms and Conditions form
d. Account opening form only.
Answer- Customer Data Input Form and Terms and Conditions form
15. Among other criteria applied for selecting Customers for offer of Pre –
Approved Xpress Credit Loan (PAXC), in respect of nature of account, the
account should be … …

26
a. Any Savings Bank account over 10 years in single name

b. An account opened under Salary Package and under a single name
c. Savings account Single / Joint with average monthly balance of Rs.10,000/-
d. A Multi-Option Deposit account
Answer- An account opened under Salary Package and under a single name
16. Transfer of funds using the Virtual Payment Address is a feature of … ..

a. BHIM Aadhaar Pay
b. Point of Sale Machines
c. State Bank Collect
d. BHIM SBI Pay
Answer- BHIM SBI Pay
17. ‘State Bank Collect’ to collect payment can be offered only to … … … .

a. Customers and non-customers having a secured (https://) site
b. Customers attached to any of the aggregators.
c. Customers who are maintaining account with the Bank and having CINB
(Khata+, Vyapaar, VIstaar) Facility.
d. Customers having a site of their own and willing to apply for site to site
integration.
Answer- Customers who are maintaining account with the Bank and having
CINB (Khata+, Vyapaar, VIstaar) Facility
18. Which of the following group of customers cannot be issued with Retail
Internet Banking under any circumstances?
a. Illiterate account holders.
b. Minor account holders.
c. Either or Survivor account holders
d. Visually impaired account holders.

27
Answer- Illiterate account holders.
19. As per cash Retention policy, Currency Chest Branches report all such
transactions through ICCOMS. ICCOMS stands for:
a) Integrated Computerised Currency Operations and Management System
b) Integrated Concurrent Currency Operations and Management System
c) Internal Computerised Currency Operations and Management System
d) Internal Concurrent Currency Operations and Management System
Answer- Integrated Computerized Currency Operations and Management
System
20. As per policy on Multi city cheques, passing for payment of high value
cheques of Rs____Lakh and above will be physically authorised by two
officials.
a) Rs. 10.00 lacs
b) Rs. 20.00 lacs
c) Rs. 50.00 lacs
d) Rs. 100.00 lacs
Answer- c) Rs. 50.00 lacs
21. As per policy on Multi city cheques, maximum Limit for transfer
transaction at Non-home branches in respect Savings Bank other than
HNI/NRI is Rs.____
a) Rs. 1.00 lacs
b) Rs. 5.00 lacs
c) Rs. 10.00 lacs
d) Rs.20.00 lacs
Answer- c) Rs. 10.00 lacs

28
22. SBI Privilege/ Shaurya Home Loans cannot be granted for -

a) Purchase/ Extension of an old house
b) Purchase of a plot of land
c) Furnishing/interiors as part of the project
d) Takeover of Home Loans from other Banks/HFCs/FIs
Answer- Purchase of a plot of land
23. Execution of Home Loan documents on the basis of power of attorney is

permitted in case of ___.
a. Non-Resident Indians (NRIs)
b. Defence Personnel
c. Para Military Personnel
d. All of the above
Answer- . All of the above
24. Cost of furnishings/ interiors that can be added to the project cost in a
Home Loan is ____.
a. 5% of the cost of the house/flat or Rs. 15 lacs, whichever is lower
b. 10% of the cost of the house/flat or Rs. 20 lacs, whichever is lower
c. 10% of the cost of the house/flat or Rs. 25 lacs, whichever is lower
d. 5% of the cost of the house/flat or Rs. 20 lacs, whichever is lower
Answer- 10% of the cost of the house/flat or Rs. 25 lacs, whichever is lower
25. Which of these statements is not correct regarding SBI Flexi Pay Home
Loans?
a) Salaried employees having age of 21 years and above but not more than 45
years with minimum 2 years of service are eligible.

29
b) Minimum loan amount under the scheme is Rs.20.00 Lacs

c) Tenor of the loan is minimum 20 years and maximum 30 years
d) Loan amount is 1.2 times the loan amount calculated as per the normal
method.
Answer- Tenor of the loan is minimum 20 years and maximum 30 years.
26. A customer has approached you for a home loan. The property price is
Rs.40 lacs. What is the eligible loan amount that can be sanctioned to him
based on LTV ratio?
a. Rs.30.00 Lac
b. Rs.32.00 Lac
c. Rs.34.00 Lac
d. Rs.36.00 Lac
Answer- Rs.32.00 Lac
27. A customer has approached you for a home loan take over from HDFC
Bank. The loan is only 6 months old and the property is still under
construction. Is this proposal eligible for take-over?
a. Yes, loans for under construction properties can be taken over.
b. No, the loan should have run for at least one year with other Bank
c. No, the loan should have at least one year satisfactory repayment period
d. No, under construction projects are not considered for take-over.
Answer- Yes, loans for under construction properties can be taken over.
28. Which of these Auto Loan Schemes has not been discontinued?
a. Loyalty Car Loan Scheme '
b. Car Loan Overdraft Scheme
c. Car Loan Takeover Scheme

30
d. Combo Loan Scheme

Answer- Loyalty Car Loan Scheme '
29. Which of these statements is incorrect regarding NRI Car Loans?

a) Tangible security covering at least 35% of the loan amount is required.
b) NRIs having accounts with other Banks for the last 24 months with a
minimum balance/ fixed deposits of Rs. 50,000.00 are also eligible.
c) It has to be sanctioned in joint names only, the second applicant being a
Guarantor.
d) The borrower will have to open NRI account with SBI for repayment of EMIs.
Answer- Tangible security covering at least 35% of the loan amount is
required.
30. The maximum number of applicants in a Car Loan can be

a. 2
b. 3
c. 4
d. 5
Answer- 2
31. The second Credit Information Company (CIC) report required for Auto
Loans above Rs. 5.00 Lacs will be considered from -
a. Experian
b. Equifax
c. CIBIL Transunion
d. CRIF High Mark
Answer- Experian
32. Which of these statements about "Assured Car Loans" is incorrect?

31
a. Loan amount can be up to 100% of the amount of Fixed Deposit

b. The loan should be repaid before the borrower attains the age of 75 years.
c. Pre-sanction survey is waived if the existing address with the Bank remains
same as the present address.
Answer- The loan should be repaid before the borrower attains the age of 75
years.
33. Which of these statements is NOT correct in respect of our modified Two-
Wheeler loan scheme?
a) Loans will be sanctioned at home branches only.
b) Minimum Net Annual Income of the applicant should be Rs.1,50,000. c)
Dealer commission will be as per regular Car Loan scheme.
d) Loan can be repaid in a maximum period of 36 months.
Answer- Minimum Net Annual Income of the applicant should be Rs.1,50,000.
c) Dealer commission will be as per regular Car Loan scheme.
34. Maximum Pension Loan available to a Family Pensioner under our SBI
Pension Loan scheme is
a. Rs. 14.00 Lacs subject to EMI/NMP = 50%
b. Rs. 5.00 Lacs subject to EMI/NMP = 33%
c. Rs. 14.00 Lacs subject to EMI/NMP = 33%
d. Rs. 5.00 Lacs subject to EMI/NMP = 50%
Answer- Rs. 5.00 Lacs subject to EMI/NMP = 33%
35. Loans under our Xpress Elite scheme are granted in form of-
a. Term Loan only
b. Overdraft only
c. Both Term Loan and Overdraft
d. Term Loan up to Rs.5.00 Lacs and only Overdraft above Rs.5.00 Lacs

32
Answer- Both Term Loan and Overdraft
36. The maximum age limit for sanction and repayment of a pension loan
under our SBI Pension Loan scheme is
a. 72 and 78 years respectively.
b. 74 and 78 years respectively.
c. 76 and 80 years respectively.
d. 76 and 78 years respectively.
Answer- 76 and 78 years respectively.
37. Loans under Xpress Credit-IT Employees cannot be granted to

a. IT employees working in cities/ regions other than those listed in the scheme
circular.
b. IT employees who are not able to provide TPG from a person working in the
same company or spouse.
c. IT employees having a CIBIL score of less than 800.
d. All the above
Answer- a. IT employees working in cities/ regions other than those listed in
the scheme circular.
38. Which of the following is not a collateral security?

A. Third Party Guarantee
B. Personal Guarantee of Promoters
C. Mortgage of Immovable Property
D. Hypothecation of assets financed by the Bank
Answer- Hypothecation of assets financed by the Bank

33
39. CERSAI stands for… … … .

a) Central Registry of Securities, Assets Reconstruction and Security Interest of
India
b) Central Registry of Securitization, Asset Reconstruction and Security interest
of India
c) Central Registrar of Securitization
d) Central Registration of Securities Assets and Interest
Answer- Central Registry of Securitisation Asset Reconstruction and Security
Interest of India
40. TIR and Valuation Reports should be addressed to:

a) Borrower since fees are paid by borrower.
b) Guarantor
c) Mortgagor
d) Bank
Answer- Bank
41. A Succession certificate granted by a District Court is valid----

a) Within the district
b) Throughout the state
c) Throughout the country
Answer- Throughout the country
42. Which office of RBI does the fund settlement?

e) CAO, Nagpur
f) CAS, New Delhi
g) CAS, Mumbai
h) CAS, Nagpur

34
Answer- CAS, Nagpur
43. Bank Claims reimbursement after making payments through mirror

accounts of various deptt./ministeries on… … .
e) T+2 Basis
f) Daily
g) T+1 basis
h) Fortnightly
Answer- T+1 basis
44. In case of Wilful defaulters, if the compromise settlement amount is paid
within a period of 3 months, the interest to be charged will be------
a) No interest to be charged
b) MCLR for 6 months tenor
c) One year MCLR
d) One year MCLR + 2%
Answer- MCLR for 6 months tenor
45. Lok Adalat has been given statutory status under … … … … Act.
a) Banking Regulations Act-1949

b) RBI Act-1935
c) Legal Services Act, 1987
d) SARFAESI Act-2002
Answer- Legal Services Act, 1987
46. What is the minimum and maximum period for a TDR opened under
'Surabhi' a Current Account deposit product?
A. Minimum 1 year and maximum 3 years
B. Minimum 6 months maximum 1 year

35
C. Minimum 1 year and maximum 5 years

D. Minimum 1 year and maximum 5 years
Answer- Minimum 1 year and maximum 5 years
47. What is the minimum loan amount under the Scheme of Online Loan
Against Shares?
A. Rs. 10,000
B. Rs. 20,000
C. Rs. 25,000
D. Rs. 50,000
Answer- Rs. 50,000
48. What is the security for loans against Life Insurance Policy?
A. Sum assured of Life Insurance Policy
B. Surrender Value of Life Insurance Policy
C. Intrinsic Value of Life Insurance Policy
D. Sum total of Premium paid by the policy holder
Answer- Surrender Value of Life Insurance Policy
49. What is the margin requirement for Online Loan Against Shares?
A. 25%
B. 50%
C. 60%
D. 75%
Answer- B 50%
50. Under Pre- Approved Pension Loan (PAPNL) offered to select pensioners,

36
the maximum amount of loan is … … ..

a. Rs. 2,00,000/-
b. Rs. 3,00,000/-
c. Rs. 5,00,000/-
d. Rs. 2,50,000/-
Answer- Rs. 2,50,000/-
51. How many sureties or guarantees required in case the total balance in the
deceased’s accounts is equal to Rs. 5.00 lacs?
a) One
b) Two
c) Three
d) None
Answer- Two
52. Which of the following is not correct, in respect of “Operation of the

Locker”
a) Access to lockers will be permitted to hirers against their signatures in each
instance in the Safe Deposit Locker
b) Joint locker hirers can give mandate for access to the lockers in the event of
death of one of the hirer on the lines similar to those for deposit accounts.
c) The hirer can operate the locker allotted to him free of charge up to 06
operations in a year.
d) Access to a locker may be allowed to a hirer's representative/attorney only
against a power of attorney in favour of the latter, on form C.O.S. 512 in case
of single hirers, and on form C.O.S. 513 in case of joint hirers.
Answer- The hirer can operate the locker allotted to him free of charge up to
06 operations in a year.
53. if the bank has reason to believe that a customer is intentionally

structuring a transaction into a series of transaction below the threshold of

37
Rs 50,000/- the bank may have considered for----

a) Filing STR with local police station
b) Report to RBI
c) File a STR to FIU
d) As amount is very low nothing to be done
Answer- File a STR to FIU
54. Non-Face to Face, customers are classified as

a) High Risk
b) Medium Risk
c) Low Risk
d) No account to be opened
Answer- High Risk
55. In case of running account like CC A/c., normally there is no specific

appropriation of funds to exact debit. In such cases the first item on the debit
side is discharged by the first item on the credit side. This is called the
principle based on… … … ..
a) Normal repayment rule
b) Clayton’s Rule
c) Contract Act
d) Caveat Emptor
Answer- Clayton’s Rule
56. Dishonour of Electronic Funds Transfer due to insufficiency of funds has

been dealt with under section no… … … … of PSS Act, 2007.
a) Section 25
b) Section 135
c) Section 136

38
d) Section 137
Answer- Section 25
57. Reconciliation of GLIF entries in cash are to be done through

a) GLCNTR report
b) Audit BGL report
c) GL COMP
d) GL Finance one report
Answer- GL COMP
58. RERA stands for----

a) Real Estate Resolution Act
b) Real Estate Regulation Act
c) Real Estate Recovery Act
d) Real Estate Rehabilitation Act
Answer- Real Estate Regulation Act
59. As per BCSBI code, Key time Commitments for Loan recovery - time to
visit customer is -----
a) 9 am -5 pm
b) 7 am- 7 pm
c) 8 am-6 pm
d) 7 am -5 pm
Answer- 9 am -5 pm
60. Which of the following statements is not correct in respect of Bridge

Home Loans?
a) Long term loan against existing residential property

39
b) To upgrade to bigger/larger/ better housing property

c) To avoid liquidity mismatch
d) Simultaneous Home Loan can also be availed
Answer- Long term loan against existing residential property
61. A minimum CIBIL score of .......is required for a person to become eligible
for SBI Loan Against Property (LAP) Scheme.
a) 600
b) 650
C)700
D)750
Answer- 700
62. The minimum amount of loan under Xpress Credit is Rs..........for Term
Loans & Rs.........for Overdrafts.
a. Rs. 24,000; Rs.10.00 Lacs
b. Rs. 25,000; Rs.5.00 Lacs.
c. Rs. 5000; Rs.5.00 Lacs.
d. Rs. 10,000; Rs.10.00 Lacs.
Answer- Rs. 25,000; Rs.5.00 Lacs.
63. Which of these documents are not required to be obtained for

sanctioning of Xpress Credit loans to Defense Salary Package account
holders?
a. Bio-Data of applicant on Bank’s standard format
b. 6 months’ salary slips or Form 16
c. Bank Statement of Account / Pass Book for 6 months.
d. Irrevocable Letter of Authority issued by the employer.
Answer- Irrevocable Letter of Authority issued by the employer.

40
64. Customers under salary package accounts like DSP, PMSP and CGSP can
obtain X-press Credit loan from which of these branches?
a. Designated salary payment Branches
b. Cantonment Branches/ Campus Branches
c. Branches in proximity to their place of work (Min MMGS-II incumbency)
d. Any Branch of the above
Answer- Any Branch of the above
65. Which of the following is not a method of testing of gold ornaments by

the Officer responsible for ensuring genuineness and purity of gold
ornaments?
A. Touch Stone Method
B. Nitric Acid Test
C. Specific gravity test
D. Sulfuric acid test
Answer- Sulfuric acid test
66. While sanctioning Gold Loan who is responsible for ensuring genuineness
and purity of gold ornaments?
A. Branch Cash Officer including Award Staff Cash Officer
B. Accountant
C. Both the above
D. Branch Manager and Both the abov
Answer- Branch Cash Officer including Award Staff Cash Officer
67. Lock in period of 12 months is stipulated in respect of which of the

following credit guarantee schemes?
A. CGTMSE & CGSSI

41
B. CGSSI Scheme & CGFMU

C. CGFMU & CGFEL
D. CGTMSE & CGFEL
Answer- CGFMU & CGFEL
SET-9
Questions-
Answer below quiz-
1.UPI Stands for? -
2.SBI is providing UPI services through? -
3.VPA stands for? -
4.Which facilities are provided by SBI PAY?
5.Whether Non SBI Customer can avail SBI Pay facility by using other bank’s
account?
6.Whether customer can link more than one account to the same Virtual
Payment Address?
7.What is SBI PAY Per transaction Limit? -
8.What are the different channels for transferring funds using SBI Pay
9.Whether customer can link their NRE / NRO account to SBI PAY-
10.What are the Non Financial Transactions that can be done through SBI PAY-
Answers-
1.UPI Stands for? -Unified Payment Interface.
2.SBI is providing UPI services through? - SBI PAY
3.VPA stands for? -Virtual Payment Address.
4.Which facilities are provided by SBI PAY?
-Send and Receive Money by Virtual Payment Address.

42
5.Whether Non SBI Customer can avail SBI Pay facility by using other bank’s
account?
- Yes. In this case the other banks need to be on UPI platform. Here SBI will be
the Payment Service Provider (PSP) and other bank will be called as
payer/payee Bank.
6.Whether customer can link more than one account to the same Virtual
Payment Address?
-Yes customer can link multiple accounts of multiple banks to a single virtual
address.
7.What is SBI PAY Per transaction Limit? - Rs. 1 Lac
8. What are the different channels for transferring funds using SBI Pay?
-Transfer through Virtual Payment address, Account Number + IFSC
Mobile Number + MMID, Aadhaar Number Collect / Pull money basis Virtual
Payment address
9.Whether customer can link their NRE / NRO account to SBI PAY-Not allowed.
10.What are the Non Financial Transactions that can be done through SBI PAY?
A. Mobile Banking Registration, Generate One Time Password ( OTP), Set /
Change PIN and Check Transaction Status
Questions-
Answer below quiz-
Q.1. Indemnity is defined under Section-
Q.2. Guarantee, Surety, Principal Debtor, Creditor are defined under Section-
Q.3. Guarantor‟s liability is co-extensive with that of borrower is defined as
per
section-
Q.4. “Continuing guarantee” is defined under Section__ -
Q.5. “Discharge of surety by variance in terms of contract” is defined under
section -
Q.6. Bailment, Bailor & Bailee have been defined under -

43
Q.7. Lien is defined under Section-

Q.8. Pledge, Pawnor & Pawnee is defined under Section-
Q.9. Agent & Principal is defined in Indian Contract Act 1872 under-
Q.10. Sub-agent is defined in Indian Contract Act 1872 under-
Q.11. Transfer of Property Act 1882 came into force on-
Answers-
1. Indemnity is defined under Section- Indian Contract Act 1872 Section-124
2. Guarantee, Surety, Principal Debtor, Creditor are defined under Section-
Indian Contract Act 1872 section-126
3. Guarantor‟s liability is co-extensive with that of borrower is defined as per
section-ICA (Indian Contract Act) 1872 (i.e. Surety‘s liability) Section-128
4.“Continuing guarantee” is defined under Section__ - ICA 1872 Section-129
5. “Discharge of surety by variance in terms of contract” is defined under
section - Indian Contract Act 1872. Section-133
6.Bailment, Bailor & Bailee have been defined under - of ICA-1872 Section-148
7. Lien is defined under Section-of Indian Contract Act 1872, Section-171
(Particular Lien-170 & General Lien-171)
8. Pledge, Pawnor & Pawnee is defined under Section- of Indian Contract
Act 1872 Section-172
9.Agent & Principal is defined in Indian Contract Act 1872 under- Section-182
10. Sub-agent is defined in Indian Contract Act 1872 under-Section-191
11. Transfer of Property Act 1882 came into force on-01st July 1882
Questions-
Answer below quiz-

44
Q.1 What are the debit card issuance charges for classic/global debit card? -
Q.2 What are the debit card issuance charges for gold debit card?-
Q.3 What are the debit card issuance charges for platinum debit card?-
Q.4 What are the debit card annual maintenance charges for classic debit card-
Q.5 What are the debit card annual maintenance charges for global debit card-
Q.6 What are the debit card annual maintenance charges for gold/silver/yuva
debit card-
Q.7 What are the debit card annual maintenance charges for platinum debit
card-
Q.8 What are the debit card annual maintenance charges for pride/premium
business debit card-
Q.9 What are the debit card replacement charges for debit card-
Q.10 What are the charges for ATM card returned by courier due to wrong
address-
Answers-
1. What are the debit card issuance charges for classic/global debit card? -Nil.
2. What are the debit card issuance charges for gold debit card?
- Rs. 100/- plus GST.
3. What are the debit card issuance charges for platinum debit card?
-Rs. 300/- plus GST.
4. What are the debit card annual maintenance charges for classic debit card-
Rs. 125/- plus GST.
5. What are the debit card annual maintenance charges for global debit card-
Rs. 175/- plus GST.
6. What are the debit card annual maintenance charges for gold/silver/yuva
debit card-Rs. 175/- plus GST.
7. What are the debit card annual maintenance charges for platinum debit
card-Rs. 250/- plus GST.
8. What are the debit card annual maintenance charges for pride/premium

45
business debit card-Rs. 350/- plus GST

9. What are the debit card replacement charges for debit card- Rs. 300/- plus
GST.
10. What are the charges for ATM card returned by courier due to wrong
address- Rs. 100/- plus GST.
Questions-
Answer below quiz-

1.MANDATORY initial deposit in PPF
2.Mandatory minimum subscription in PPF-
3.NO. OF MAXIMUM subscription /deposit in SSY-
4.Maximum period of subscription in SSY-
5.Maturity Period of SSY-
6.Extension period in SSY-
7. Lock in period in PPF and SSY-
8. Maximum no of SSY A/C by any parents-
9. Compounding period in PPF and SSY A/C-
10. Form for ppf withdrawal-
Answers-
1.MANDATORY initial deposit in PPF-NIL

2.Mandatory minimum subscription in PPF-500
3.NO. OF MAXIMUM subscription /deposit in SSY-ANY NO OF TIMES
4.Maximum period of subscription in SSY-15
5.Maturity Period of SSY-21
6.Extension period in SSY-NO EXTENSION

46
7. Lock in period in PPF and SSY-5 YEAR AND 18 YEAR

8. Maximum no of SSY A/C by any parents-3
9. Compounding period in PPF and SSY A/C-ANNUALLY
10. Form for ppf withdrawal-FORM C
Questions-
Answer below questions-

1. As per the Simplified KYC guidelines, the current limits for balance in Small
Deposit Accounts should not exceed
2. The term CFT stands for
3. FATCA stands for
4. Holder in due course is defined under section------of Negotiable Instrument
Act.
5. A contract of Insurance is a contract of
6. Rule in Clayton’s case has been incorporated in the
7. Right of set off is exercisable, where the relationship is of
8. Unclaimed deposits are classified by the bank as …….. liabilities
9. A search report from legal counsel is insisted upon for years:
10. As per the Indian Limitation Act, an equitable mortgage becomes time
barred after......years???????
Answers-
1. 50000
2. Combating financing of terrorism
3. Foreign account tax compliance act
4. 9

47
5. Indemnity
6. Sec 59 to 61 of Indian contract act
7. Debtor & creditor
8. Current
9. 30yr
10. 12 yr from the date of money is due
SET-10
Questions-
1.Minimum loan under lap?

2.max loan under Lap at other bpr center ?
3.max loan under lap at non bpr center?
4.margin under lap?
5.LTV under lap?
6.emi/nmi under lap?
7.minimum repayment period under lap?
8.max repayment period under lap?
9.minimum loan under rml?
10.margin under RML?
11.repayment period under XC-
12.repayment period under XC for non permanent employee-
13.repayment period under XC teaching non teaching staff-
14.repayment period under XC elite-
15.repayment period under XC IT employee-

48
Answers-
1.5lakh
2.2cr
3.1cr
4.nil
5.upto 1cr-65%, Above 1cr-60%
6.3-5lakhs-50%, 5-10lakhs-55%, >10lakhs-60%
7.5yrs
8.15yrs
9.3lakh
10.nil
11.repayment period under XC-72m
12.repayment period under XC for non permanent employee-36
13.repayment period under XC teaching non teaching staff-60m
14.repayment period under XC elite-72m
15.repayment period under XC IT employee-36
SET-11
Questions-
1. Answer following questions related to ATM errors code
1) 00 or 01 -
2) 50 -
3) 51 -
4) 52 -
5) 53 -
6) 58 or 59 -
7) 60 -

49
8) 62 -
9) 70 -
10) 71 -
11) 76 -
12) 77 -
13) 78 -
14) 79 -
15) 150 -
2. Answer following questions-

16. The maximum limit of fund transfer per customer on NUUP is per day-
17. P2P-
18. B2B-
19. P2A-
20. B2C-
21. P2M-
22. C2C-
23. The NPCI has launched .... through 11 partner banks, including SBI-
24. Filing of Annual returns with respect to E-waste data for a financial year to
the concerned State Pollution Control Boards by ...of every year-
25. BYOD-
Answers-
Answers related to ATM errors code-
1. 00 or 01 - Transaction Successful
2. 50 -Unauthorized Usage
3. 51 - Expired Card

50
4. 52 - Invalid Cards
5. 53 - Invalid Pin
6. 58 or 59 - Insufficient Fund
7. 60 -Usage Limit Exceeds
8. 62 - Pin Tries exceed
9. 70 -System error
10. 71 -Contact card issuer
11. 76 -Dormant Account
12. 77 -Account is Locked
13. 78 - Inoperative Account
14. 79 - Account not connected to card
15. 150 - Blocked Card
2. Answers-
1. The maximum limit of fund transfer per customer on NUUP is per day-5,000
2. P2PPerson-to-Person
3. B2B- Business-to-Business
4. P2A- Person-to-Account
5. B2C-Business-to-Consumer
6. P2M- Person-to-Merchant
7. C2C-Customer-to-Customer
8. The NPCI has launched .... through 11 partner banks, including SBI-UPI 2.0
9. Filing of Annual returns with respect to E-waste data for a financial year to
the concerned State Pollution Control Boards by ...of every year- 30th June
10. BYOD-Bring your own device
SET-12

51
Questions-
1. BHIM SBI Pay- Per Transaction limit ?

2. BHIM SBI Pay- Per day Transaction ?
3. BHIM SBI Pay- Maximum number of transactions per day can be done
within the overall limit???
4. BHIM Aadhar SBI: Per transaction limit for both merchant and consumer??
5. Tagline of BHIM?
6. BHIM Aadhar SBI: Daily limit for Consumer and for Merchant?
7. BHIM Aadhar SBI: Monthly limit for Consumer and for Merchant ?
8. Expand BHIM?
9. BHIM Transaction Limit- (Not related to any BANK‘S UPI) per transaction
and per day??
10. There is a limit of Rs.per Collect Request on BHIM App??
Answers-
1. 1lakh
2.1lakh
3.10
4.2000
5. cash ki adalat badalo
6. customer 5000, Merchant 25000
7.customer 20000 Merchant 100000
8.Bharat interface for money
9.per transaction 20000 Per day 40000
10.10000

52
SET-13
Questions-
Q.1 Facility under pre approved pension loan?

Q.2 Facility under Sbi pension loan?
Q.3 Facility under Jai Jaw an pension loan?
Q.4 Facility under Xpress Credit?
Q.5 Facility under pre approved personal loan?
Q.6 Facility under pre approved xpress credit loan?
Q.7 Facility under xpress credit Insta credit loan?
Q.8 Facility under XC for non permanent employee?
Q.9 Facility under xpress power?
Q.10 Facility under per GOLD loan?
Q. 11 Facility under personal liquid loan?
Q.12 Give Full Form of-
1. CGTMSE?
2. MSE?
3. CIBIL?
4. CRISIL?
5. IDRBT?
6. PKI
Answers-
1. Facility under pre approved pension loan?TL

53
2.Facility under Sbi pension loan?DL

3.Facility under Jai Jaw an pension loan?TL
4.Facility under Xpress Credit?TL/OD with reducing DP
5.Facility under pre approved personal loan?DL
6.Facility under pre approved xpress credit loan?TL
7.Facility under xpress credit Insta credit loan?DL
8.Facility under XC for non permanent employee?DL
9.Facility under xpress power?TL/OD
10.Facility under per GOLD loan?DL
11. Facility under personal liquid loan?OD
12. 1. CGTMSE- CREDIT GUARANTEE FUND TRUST FOR MICRO AND SMALL
ENTERPRISES.
2. MSE- MICRO AND SMALL ENTERPRISES.
3. CIBIL- Credit Information Bureau (India) Limited
4. CRISIL- Credit Rating Information Services of India Limited
5. IDRBT- Institute for Development & Research in Banking Technology
6. PKI- Public Key Infrastructure

54
Important One Liners
1. Minimum loan in nre home loan- 3 lakhs

2. Minimum work experience for nre homeloan- 2 yrs.
3. max loan in nre home loan?- Based on LTV ratio
4. LTV for nre home loan in salary and non salary category??
Salaried Upto 75lakhs- 80%
Above 75lakhs- 75%
Non salaried upto 75lakhs-75%
Above 75lakhs -70%
5. Facility for nre home loan??- TL and maxgain
6. Eligibility for sbi exclusif customer??
Total relationship value >30lakhs
Net salary>2lakhs
Home loan >1cr
7.Minimum loan under sbi corporate home??-50 lakhs
8. LTV for sbi corporate hl??- 75%
9.Facility under sbi corporate home loan??- TL
10. Max loan under sbi corporate Hl- .No limit
11. Margin for sbi corporate home loan?-25%
12. Minimum loan amount under PAL SBI HL??-10lakh
13. CLSS??- Credit linked subsidy scheme
14. eligibility for ews/lig in clss?- Up to 3 lakh and 3 lac to 6 lacs
15. eligibility for MIG 2 in clss?- 12 to 18 lacs
16. eligibility for MIG 1 in clss?- 6 to 12 lacs
17. Loan under PMAY
1.lig/ews?- 6 Lacs

55
2..MIG 1?- 9 Lacs

3.MIG 2?- 12 Lacs
18. Subsidy under PMAY

1.lig/ews?- 2.68 Lacs
2.mig1?- 2.35 Lacs
3.mig2?- 2.30 Lacs
19. in which car loan scheme max repayment is 8 yr??- SBI green car loan
20. Facility under SBI tribal plus?- TL
21. Minimum and max age for sbi tribal plus?? 21-60
22. Minimum service under SBI tribal plus??- 5yrs
23. Max loan under SBI tribal plus??
Salaried- 20lakh with checkoff
15lakh without checkoff
15lakh for others
24. Margin under SBI tribal plus??
Construction 20%
Repairs/renovation 25%
25. Facility under SBI bridge hl?-TL
26. Minimum loan under SBI bridge home loan??-20 lak
27. Max loan under sbi bridge??-2 crore
28. LTV for SBI bridge home loan??- 65% property value of up 1 crore
60% above 1 cr
90% cost if flat/ home
29. Repayment period under SBI bridge home loan?- 2yrs
30. Margin under earnest money deposit scheme??
Nil up to application amount.
31. Max loan under earnest money deposit scheme??

56
15lakh for csp

10lakh for others
32. minimum amount under maxgain??-20lakhs
33. Max amt under max gain??-3 cr
34. Repayment period under SBI tribal plus hl?-15 yes
35. Minimum and max loan under non salaried segment differential
offerings??- Min 50k max 50cr
36. Minimum loan under SBI reality ?- 5lakh
37. Max loan under SBI reality??-15 cr
38. LTV under SBI realty??-Upto 30lakhs-75%
30-75lakhs -70%
>75lakhs -60%
39.EMI/NMI under SBI realty??
3-5lakhs-40%
5-8lakhs-50%
8-10lakhs-55%
above10lakhs-60%
40. Minimum loan under shaura/privilege hl-10lakh
41. Max loan under shaurya/privilege?-50cr
42. Repayment period under shauraya?-Min 60months max 360m or upto 75
yrs
43. Max age under shaurya?-75yrs
44. Minimum service under SBI flexi pay hl ??-2yrs
45.minimum age under flexi pay?-21yrs
46.Max age under flexi pay?-45yrs
47.Minimum loan under SBI flexi??-20lakh
48.Max loan under flexi hl?-1.2 times of LTV of normal hl.
49. Repayment period under flexi pay ??-Min 25 years max 30 years

57
50. How many variants are there in CINB- 5 (Five)

51. Another Name of CINB- Khata- Advantage
52. Another Name of CINB- Khata Plus -Advantage Plus
53. Another Name of CINB- Vyapar -Privilege
54. Another Name of CINB- Vistar -Freedom
55. State Bank Collect‘ facilitates our_customers to receive online payments
from receivers of their goods & services-CINB Users
56. For Balance enquiry, give missed Call on-9223766666
57.for mini-statement, give missed Call on-9223866666
58. Cheque book request by sending SMS-9223588888
59. Maximum months statements can be generated through SBI quick-6
Months
60. Name the Chat Bot-
1.State Bank of India -SIA
2.SBI Life - RIA
3. SBI Card -ELA
4.ICICI Pru Life -LIGO
5.HDFC bank - EVA
6.AXIS Bank - Axis Aha
7.Bajaj Allianz Life -BOING
8. Kotak Mahindra Bank -KEYA
9.HSBC Bank -VCA
10.CITI Bank - Citi Bot
61. Sbi acts as a agent of RBI under which act-SBI act 1955
62.- nationalised banks act as a agent of RBI under which act - RBI act 1934
63. can bank grant loans against its own share -
-- no , it will amount to a vertical reduction in its capital

58
64. ombudsman appointed under -banking regulation act 1949

65. section 45za to zf of BR act is for - nomination facility
One Liners related with SBI asset backed loan-
66. Minimum loan under ABL-above 10lakh
67.Max loan under ABL-20crore
68.Facility under ABL-fund based(drop line od)&non fund based
69. repayment period under ABL- Drop line OD(from 12ths to 240 month)s or
cash credit (on demand)
70. CRA RATING-SB 10 and below is not eligible for finance
71. Inspection-Half yearly inspection of property and unit/activity.
72.Renewal-No renewal of limit.
73.Security:- immovable property (sarfaesi enabled) & TPG
74.ltv/margin-60% of the realizable value
75. perpose-for build up of current assest and fixed assests needed for
business purposes etc...
One Liners related simplified small business loan-
76.Minimum loan under simplified small business loan-above 10lakh
77.max loan under simplified small business loan-less than 25 lakh.
78.facility under SIMPLIFIED small business Loan-Drop line overdraft facility
79. minimum loan under SBI corporate home loan-50 lakh
80. max loan under SBI corporate home loan- NA
81.LTV ratio in sbi corporate Hl-75%
82. facility under sbi corporate hl-TL
83.repayment period under sbi corporate HL-15 yrs
84.minimum loan under sme credit card-NA
85.max loan under sme credit card-10lak
List of Regulators in India

59
1. RBI – Reserve Bank of India

Sector: Banking & Finance, Monetary Policy
2 . SEBI – Securities and Exchange Board of India
Sector: Securities (Stock) & Capital Market
3 . IRDAI – Insurance Regulatory and Development Authority
Sector: Insurance
4 . PFRDA – Pension Fund Regulatory & Development Authority
Sector: Pension
5 . NABARD – National Bank for Agriculture and Rural Development
Sector: Financing of rural development
6 . SIDBI – Small Industries Development Bank of India
Sector: Financing Micro, Small and Medium-Scale Enterprises
7 . RBI - Reserve bank of India , Sector: Financing Housing
8 . TRAI – Telecom Regulatory Authority of India
Sector: Telecommunication & Tariffs and Cyber-Security
9. CBFC – Central Board of Film Certification
Sector: Film/TV Certification & Censorship
10. FSDC – Financial Stability and Development Council
Sector: Financial Sector Development
11. FSSAI – Food Safety and Standards Authority of India
Sector: Food
12. BIS – Bureau of Indian Standards
Sector: Standards & Certification
13. ASCI – Advertising Standards Council of India
Sector: Advertising
14. BCCI – Board of Control for Cricket in India
Sector: Cricket
15. AMFI – Association of Mutual Funds

60
Sector: STOCK EXCHANGE

16. EEPC – Engineering Export Promotional Council of India
Sector: Trade and Investment
17. EICI – Express Industry Council of India
Sector: Trade
18. FIEO – Federation of Indian Export Organisation
Sector: Export
19. INSA – Indian National Shipowners’ Association
Sector: Shipping
20. ICC – India Chemical Council, Sector: Manufacturing
21. ISSDA – Indian Stainless Steel Development Association
Sector: Growth and Development
22. MAIT – Manufacturers’ Association for Information Technology
Sector: IT
23. NASSCOM – National Association of Software and Service Companies
Sector: IT
24. OPPI – Organisation of Plastic Processors of India
Sector: Manufacturing
25. PEPC – Project Exports Promotion Council of India
Sector: Trade
26. CDSCO – Central Drugs Standard Control Organisation
Sector: Medical Devices and Drugs
27. IBBI - Insolvency and Bankruptcy Board of India
Sector: Finance

61
DAY TO DAY BANKING
# NOMINATION-
1. Forms –
(DEPOSITS) Registration- DA1
Change- DA3
Cancellation- DA2
2. Registration-
PPF- Form E
SCSS- Form C
SSA- *Not allowed*
Capsgain-Form E
3. LOCKER
Reg (Sole hirer)- SL1
Reg(joint)- SL 1A
cancellation- SL 2
Variation(sole hirer)- SL 3
Variation(joint)- SL 3A
4. No. of nominees-
a.SB/CA- 1
b.PPF- any no
c.SCSS- any no
d.Capsgain- max 3
5. CBS screen for nomination detail enquiry- 408

62
6. Retention period of nomination forms- 8 yrs
7. Nominee can be made in HUF also.T/F- *False*
8. Sections for Nomination in Banking Regulation Act 1949

a. Deposits- 45 ZA
b.Safe deposit Art/Custody - 45ZC
c. Locker- 45ZE
9.Nomination made by illiterate witnessed by-2 persons
10. Nominee enquiry in INB requires OTP??- *Not needed*

11. Nomination in case of Joint locker with survivor benefits- *Not allowed*
#IMPORTANT CURRENT AFFAIRS-
1.what is current MCLR- 8.15%

2.current REPO RATE- 5.40%
3. Which commitee recommended Economic capital framework -? Bimal jalan
Commitee
4. *malegam* ___ commitee has suggested that the RBI MUST move away
from its methodology to calculate the foreign exchange gains to a weighted
average cost based valuation method
5.how much currency circulated in FY 19---- 21.1 TRILLION
6.RBI has made it mandatory for bank to link all thier fresh retail loan to an
external benchmark
7. The 3 external benchmark the RBI Proposed are -
1.policy repo rate

63
2.the govt. Of india 3 month and 6 month treasury bill yields published
by FBIL
3. ANY other bench mark interest rate published by FBIL
8.FULL FORM OF FBIL- financial benchmark india pvt limited
9. minimum net worth of small finance bank- 100 crs
10. full form of NOFHC- NON financial operative financial holding company
11.what is NOFHC- It is intermediate company between SFB and promoting
entity
12.The CVC has constituted ABBF headed by former vigilance commissioner
TM BHASIN to examine fraud of over 50 crs
13. Full form of CVC- Central vigilance commissioner
14.full form of ABBF- Advisory board of banking fraud
15.who is finance minister – Mrs. Nirmala Sitharaman
#Abbreviation-
1. CDO - *coordination desk officer*
2. OFS *OFFER FOR SALE*

3. CVC *Central vigilance commission*
4. ABBF *Advisory board for banking fraud*
5. DCC *DYNAMIC CURRENCY CONVERSATION*
6. ANBC *ADJUSTED NET BANKING CREDIT*
7. YTM *YIELD TO MATURITY*
8. TDS *tax deducted at source*.
9. SCC *selective credit control*
10.RoA *return on asset*
11. IPO *initial public offer*

64
12. CIRP *corporate insolvency resolution process

13. TBU *transactions banking unit*
14. ADS:Active Directory Services
15. ALM:Asset Liability Management
16. BCP:Business Continuity Plan
17. BPR: Business Process Rengineering
18. BRICS: Brazil, Russia, India, China, South Africa
19. CAMELS: Capital, Assets, Management, Earnings, Liquidity, and Systems
and Control
20. CDS:Career Development System
21. CGFSI:Credit Guarantee Fund Scheme for Stand Up India Scheme
22. CHAPS:Clearing House Automated Payment System
23. CIBIL:Credit Information Bureau of India Ltd.
24. CDF:Currency Declaration Form
25. YONO:You Only Need One
26. CSP:Customer Service Point , Corporate Salary Package
27. DRP:Disaster Recovery Plan
28.DTAA:Double Tax Avoidance Agreemen
29. ECB:External Commercial Borrowing
30. FATF:Financial Action Task Force
31. FCNRA:Foreign Currency Non-Resident Account
32. FIMMDA:Fixed Income Money Market and Derivatives Association of India
33. GPRS:General Packet Radio Service
#Chairman/Heads-
1. NABARD- *Harsh kumar bhanwala*
2. RBI- *Shaktinath Das*
3. IBA- *Rajnish kumar*

65
4. LIC- *M R Kumar*
5. Bank Of Baroda- *Hasmukh Adhia*
6. SIDBI- *Mohammad Mustafa*
7. HDFC- *Deepak Parekh*
#CBS Screen Number-
1. TDS Enquiry- *510*

2. NPA enwuiry- *10511*
3. UID Linking- *6789*
4. VVR checking- *60675*
5. Subsidy proceeding- *67147*
6. LPG ID Linking- *60475*
7. CIF Enquiry- _60450_
(Thank you Altaf Kusugal Sir for sharing this important information with us)

66
IMPORTANT ARTICLES
(Helpful in Essay Writing)
1. SBI YONO
It is an accepted fact that technology drives business today. It is a very
convenient anytime, anywhere, any mode banking for customers. They are
able to save time and cost by using technology for their banking transactions.
Similarly Bank is also able to reap large benefits due to technology use by
customers. Besides reduction in operation cost, the footfall of the customers at
branches is reduced which enables better crowd management; also significant
time is saved to attend to business development. Hence banks are introducing
many technology initiatives to woo their customers. State Bank of India also
has been consciously taking steps to introduce many technology initiatives
which will delight the customers. Starting from ATM, INB, MB, CDM, Recycler,
SWAYAM, POS/ GCC etc. State Bank Opened sbi INTOUCH branches to provide
banking service to highly tech savvy customers. These branches will offer
completely different experience through online self-service. These branches
will focus on opening of Savings Bank accounts along with sourcing of retail
loan products, like Auto, Home and Education loans. After these developments
the Bank ventured into digital initiatives like SBI Quick, SBI No Queue, SBI
Mingle, SBI Digivoucher, SBI BHIM, SBI FASTag etc. to improve customer
service further. The latest product in this direction by SBI is ‘YONO’ YONO is an
acronym for “You Only Need One” It is India’s first omni channel digital
platform to meet various banking requirements of the customers as also their
life style requirements. It is available on Web, Tab and Mobiles. This initiative
has leveraged predictive analytics and state of the art technological innovation
to provide a unique customer experience. With a view to reducing transaction
time without compromising risk and compliance factors, the processes relating
to financial and nonfinancial transactions of the customers have been
reworked by the Bank. This has also made employee experience more intuitive
and smart resulting in enhanced customer service and giving boost to staff
efficiency. The mobile version of YONO is available on Android and I Phones.
There are three important modules in YONO. They are:
i) Digital Banking: It provides critical digital banking functions such as Digital
Account Opening, fund transfer, Relationship overview, i.e., One View of SBI
account and Group Companies, Portfolio, Spend Analyser, Bill Payments, Fixed
Deposits, Pre-approved loans etc.
ii) Financial Super Store: This will facilitate making available non-financial

67
needs of the customers by online of cross selling various products of SBI

subsidiaries such as Life and General Insurance, Securities, Mutual funds and
Credit cards. It will also provide information on customer purchase behaviour,
consumption and life events which can be used to trigger notification to
customers and create close customer contact. Thus, this will increase
engagement with the customers to provide customized offer to deepen the
business relations with them.
iii) Online Market Place: YONO will enable end-to-end digital transformation
of core processes through digital and innovation initiatives by reducing manual
intervention. It will provide superior seamless customer experience through
paperless transactions and help in achieving lower TAT and smoothening the
workflow. This will enhance the products efficiency and reduce footfall in
branches. YONO will thus fulfill customer digital banking and other financial
products needs and their daily life style, entertainment, travel and shopping
needs through its market place within one single app offering, an omni-
channel seamless experience.
Latest Initiative: YONO cash is the latest initiative which enables YONO users
to withdraw cash from ATMs without an ATM card. Under this, a YONO
customer can invoke YONO cash on his mobile or system and it will generate
reference number. With this number a customer can visit a nearby ATM and
use YONO cash option on the ATM and enter reference number and withdraw
cash. The daily limit under YONO cash is Rs.20,000/- YONO has been launched
in collaboration with IBM. With a view to popularising YONO, the following
steps have been taken by the Bank:
I) Ms.Swapna Burman has been appointed as the Brand Ambassador
II) As a part of Bank’s endeavor to strengthen the contacts with the youth, it
has launched “SBI YONO 20 under 20” to recognize and reward young
achievers below 20 years of age across 10 diverse fields such as Sustainability,
Performing Arts, Acting, Entrepreneurship etc. YONO offers innumerable
benefits to the customers. All customers of the bank would need to be
educated by the bank through advertisement, staff interaction through
seminars, conferences, workshops etc. so that they opt for YONO app and use
it which will result in customer delight on the one hand and increase in Bank’s
business and profits on the other. YONO has since touched the 1.5 cr mark of
users.

68
2. Decreasing GDP in Indian Economy-
Economy is showing no sign of improvement in many sectors i.e. automobile,

manufacturing, FMCG, banking and agriculture. In the month of august 2019;
the Central Statics Office (CSO) revealed that the real GDP growth in Q1 of the
current fiscal declined to a six-year low of 5%.
It clear that no single factor is responsible for this decline. The vicious circle of
poor demand is the major factor behind the whole mess up.
Let us find the reasons in this article that what are the reasons behind the
decline in the Indian GDP.
1. Sharp decline in overall demand:
Demand is the real accelerator of the economy. If demand increases then the
producer has to increase the production which can not be increased without
hiring the more labour force.
Increment in the employment opportunities leads to further demand of the
other products in the economy. Since last few months Indian economy is facing
the problem of lower demand which ultimately trapped the whole economy.
2. Sharp fall in consumption:
Consumption has accounted for 55-58% of GDP. Remember consumption is at

the core of domestic demand in India. Indian economy experienced a sharp
decline in private final consumption expenditure from 7.2% in the March
quarter to 3.1% in the June.
3. Wrong procedure in the GST implementation/GST-collection:
Goods and Services Tax (GST) is a very boosting step (government is getting
approximately Rs. 1 lac crore per month as tax collection ) for the Indian

69
economy but its implementation is not much smooth. The traders are facing
problems in getting the GST returns and their huge money is trapped in the
hands of government which is affecting their business due to limited
availability of resources.
4. Decline in investment:
There is a 79.5% drop in the value of new projects announced during April to
June 2019. This is the highest decline since September 2004. The value of
declared investments in the same quarter is Rs 71,337 crore, which is also the
lowest since September 2004. This is a big indication that industries are not yet
confident in India's economic future.
5. Poor condition of banking sector: NPA-of-banks-india
As we know that Indian banking sector is passing through a very rough time
since a long time. Total NPA of the Indian banks is around Rs 7.9 lac crore
which is blocking the way of new loan to the other borrowers. The recent
announcement of the mergers of the banks may further create the
atmosphere of anarchy in the mind of the investors and depositors.
6. Agricultural crisis:
Indian agriculture has been a key contributor to India’s growth story and
continues to be one of biggest employers. It contributes around 15% in the
Indian GDP and employs around 55% population of the country. But this sector
is also passing through very rough time. Farmers are not getting adequate
price for their crops that is why farmers are committing suicide throughout the
country.
Around 12,000 farmers committed suicide in Maharashtra in the last 3 years.

Now the farmers suicide rate is around 12.9 suicides per 100,000 in India.

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KNOWLEDGE UNIVERSE

Andrews George Koyappa

On the request of Andrews George Koyappa Sir, Murli Manohar

Here are some sets of Quizzes-

10. Product code

11. YONO OTP

12. INB OTP

13. my cams OTP

14. SBI Card OTP

Minimum Loan Amount: -

Maximum Loan Amount: -

2.ASSURED CAR LOAN

6.SBI FLEXI LOAN

2.ASSURED CAR LOAN

6.SBI FLEXI LOAN

Minimum Loan Amount-

2.ASSURED CAR LOAN

6.SBI FLEXI LOAN

Maximum Loan Amount-

1.CAR LOAN 4times for self employed,professional,busines person&3times

2.ASSURED CAR LOAN

6.SBI FLEXI LOAN

9.PMAY12lakh (Maximum payable subsidy is Rs 2.68 lakhs in PMAY and

1.Title verification search report

1-WHAT IS INSTA INVESTMENT??

1-Now how many documents are OVD doc ?

1. Section 12 of PML act 2002

1. Pre-approved home loan PAL will be available only at which branch??

1. Pre-approved home loan PAL will be available only at which branches?-

1. Margin in Produce marketing loan????

1. Margin in Produce marketing loan?-40%

SOME IMPORTANT ONE LINERS

2. JOKHIM JAGRUKTA DIWAS is observed on............Every year.

3. AML- CFT day ..........

4. Are AADHAR and PAN classified as OVD document ?

5. How many documents are classified as OVDs ?

6. KYC policy is defined in which act ?

11. Headquarter of FATF ?

12. Head quarter of FIU IND-

14. C-KYC have ____ no ?

15. PEHLA kadam pehli Udaan risk category ?

16. AML CFT cell at ?

17. amlock software acquired from ?

20. HNI individual having deposit of 1.5cr + risk type ?

21. software used to generate alerts for STR ?

 10 lakhs , CDC Belapur , FIU India , monthly

26. For opening of small account which document is sufficient?

29. Type of facility in SBI REALTY loan scheme ?

32. Minimum and maximum loan amount in non salaried segment ?

33. Minimum and maximum amount in sbi realty scheme ?

34. What is the TAT for Housing Loan ?

35. Full form of DAC

36. Full form of MPST

37. True/False- Welcome kit can be issued to Sole proprietorship firm .

38. TAT for Education loan

39. Full form of RACPC

40. TAT for Auto Loan

1.CAR LOAN 4times for self employed,professional,busines person&3times

9.PMAY12lakh (Maximum payable subsidy is Rs 2.68 lakhs in PMAY and

10 lakhs , CDC Belapur , FIU India , monthly

Death certificate and proof of the legal representation

Regional Stationary Department through i STAM

62. On which accounts, pass-book can be printed by using SWAYAM?