Sr.

No Question Answer Option1 Option2 Option3 Option4 Option 5

Person resident
A Resident Indian who
A Resident Indian who is outside India
1 Who is a Non Resident Indian C stays abroad for less All the above None of the above
having dual citizenship who is a citizen
than 6 months
of India
The account which can be opened by a Non-resident foreign national on short visit is
2 A NRO NRE FCNR RFC All the above
......

3 RBI has permitted non-residents to open ……….. type rupee account with banks in India. D NRO NRE NRE & FCNR NRO & NRE NRE, NRO & FCNR

Nitish, an Indian national has gone to USA on a student VISA to do his master degree in None of the
4 B Resident NRI PIO All of the above
medicine. What is his residential status ? above
Mr.Singh, an Indian national is working in Switzerland in the Office of UNO. What will be None of the
5 B Resident NRI PIO Switzerland Citizen
his residential status ? above
An Indian National employed in a foreign country come to India for three months on a None of the
6 B Resident NRI PIO Foreign National
private visit. What would be his residential status ? above
Pakistani National staying in India wants to open a non-resident account in India. Which RBI approval No account can be
7 D NRO NRE FCNR
type of account can be permitted to be open ? required opened
Person of Indian Origin holding UK pass port and doing business in Nepal. What would be None of the
8 B Resident NRI PIO Foreign National
his residential status ? above
None of the
9 An American citizen marrying an Indian employed in New York will be considered as …… C Resident NRI PIO Foreign National
above
Anil, an Indian national has gone to Saudi Arabia on a business trip for three months. None of the
10 A Resident NRI PIO Foreign National
What is his residential status ? above
11 What is the minimum period of deposit under NRO ? A 7 days 3 months 6 months 1 year 5 years
What is the maximum amount of loan permitted to the account holder against NRO
12 E 10 lac 20 lacs 50 lacs 100 lacs No ceiling
deposit ?

13 What is the maximum amount of loan permitted to third parties against NRO deposit ? E 15 lac 200 lacs 50 lacs 100 lacs No ceiling

The NRO a/c in the name of a foreign tourist who has come to India can be maintained
14 A 6 months 12 months 36 months 60 months 120 months
for a maximum period not exceeding ......... months.
A foreign citizen
A foreign tourist on a short An Indian A NRI residing
15 The following cannot open an NRO account. C resident outside All the above
visit to India. working in Nepal in Pakistan
Indian who is a PIO.

Maturity
proceeds of an
An NRO account holder request you to credit the following………. amount to his account. Sale proceeds of his Rent received on a flat
16 E Insurance Policy a & b All the above
Which of them can be credited to his NRO account. house in Bengaluru. owned by him in Delhi.
made in a
foreign country.
 Investment in
17 Loan against NRO deposit can be sanctioned for the following purpose. E Re-lending Plantation activity All the above None of the above
Real Estate
18 NRO account may be open in which currency C USD GBP INR EUR All the above
all the
all the coparceners of coparceners of
all the coparceners of the No such
19 HUF NRO a/c. can be opened provided B the HUF are the HUF are None of these
HUF are Non Residents. restrictions
Residents. from Nepal/
Bhutan
Repatriation of the fund to Loan against NRE
20 An Indian Resident, Power of Attorney holder in NRO account can do D Local Transfer a&b None of these
account holder deposit

Any of the above Depends upon

21 Loan amount sanctioned to a NRI customer against NRE deposit should be credited to B NRE a/c NRO a/c a/c as per party the loan None of the above
request amount

Acquisition of
Investment other than house/flats for
Direct investment on non-
22 ADs can grant loan to NRE for the following purpose ……………. D in Agr. plantation and their residential All of above None of above
repatriation basis
real estate uses subject to
FEMA

Permissible
investments in Investment in
Purchase of immovable
23 Which of the following debit transactions, ADs can authorize in NR (E) account? E shares/security/comm Government Both (a) & (c) All the above
property
ercial paper of Indian Securities
companies

Proceeds of Interest/dividen
Proceeds of foreign
remittance in freely d earned on
currency/bank
convertible foreign Govt. Securities
24 Which of the following credit transactions are allowed in NR (E) Account? E notes/travelers cheques etc. Both (a) & (c) All of above
currency received purchased from
by the account holder during
from abroad, in an the funds in NR
his temporary visit to India
approved manner (E) Account

Under a Power of Letter of authority in the Either of (a) or Against (a) &
25 Operation of NRE Account by third party can be permitted by ADs _______ A None of above
Attorney prescribed format (b) (b)
Subject to
26 In a NRE account, ………………….. rupee income generated in India can be credited. D Rent Dividend/Interest Pension certain None of above
condition
Term
27 NRE account can be opened in the form of ________ E Current Account Saving Account Flexi Deposits All of above
Deposits
 The balance along with interest in NRE account can be repatriated with the permission of Commerce No permission
28 E RBI Ministry of Finance DGFT
__________ Ministry required
Having 20 %
29 The interest earned on NRE deposits is …………. as per existing provisions. C Taxable Having 30 % Tax slab Taxfree Taxable as per DTAA
Tax slab
Sr. No Question Answer Choice 1 Choice 2 Choice 3 Choice 4 Choice 5
1 What is the full form of ULP B Universe Loan Point Union Loan Point Unique Loan Point Union Learning Point Union Loan Process
Relationship
Which one is not a part of ULP structure D ULP Head Processing Officer Recovery Officer All are correct
2 Manager
To sanction proposals
Product-wise Adherence Proper liaison with Mapped Proper liaison with
Which is incorrect about ULP Head role E processed by Disbursement of loan
to TAT Branches CAG team
3 processing team
Document
Due diligence of Processing of loan in
What one is not the role of Marketing Officer D Submit proposal to ULP collection and KYC Sourcing of business
proposals LAS
4 compliance

To conduct Due diligence Proper Coordination To conduct Due diligence

of Applicant, Property & Sanction/rejection with CPV/Panel of Applicant, Property &
Which is incorrect about processing officers role in ULP C Ensure Product wise TAT.
Guarantor as per of proposals advocates/Panel Guarantor as per sourcing
sourcing of proposal. valuer to reduce TAT of proposal.
5

A mapped branch mobilised proposal of home loan of Rs.10.00

A ULP Head Branch Manager RLCC I RLCC II None of the above
lakh , who will be sanctioning authority for this loan
6
Which one is not a role of mapped branch in case of mortgage Disbursement of
E Lead generation Creation of LAR in LAS Monitoring of loan Processing of loan
7 loan of Rs.15 lakh loan
8 In SWOT analysis S stands for C Staff Strong Strengths Super None of the above
Survey area for
To get the feedback from To relove personal Study customer profile Obtain list of automobiles
Which one is not an objective of SWOT analysis C marketing of our
market issues of customers of the branch dealers
9 products
Visiting the Obtaining list of housing Obtaining list of
Ways to do SWOT analysis are E Visiting to Govt.Offices All are correct
10 schools/colleges projects automobile dealer
11 What are the strengths of our bank as per SWOT analysis E Strong customer base Vast experience Prudent banking customer faith All are correct
New payments
What are the opportunities for our Banks as per SWOT analysis E New market Financial inclusion Huge population base All are correct
12 banks
What is the minimum and maximum age (In Years) for 21 to 65 18 to 70 18 to 75 21 to 60 18 to 65
C
13 housing loan
Which of the following is not valid purposes for Housing Loan Purchase of Old Construction of a residential Repair/renovate an Completion of under For purchase of land only
E residential unit unit existing residential construction
14 unit residential unit
What is the upper limit on the quantum of the loan in Rs. 100 lakhs Rs. 500 lakhs Rs. 200 in Metro and No upper limit Loan can be decided as per
D
15 Housing loan for purchase /construction ? 100 in Urban centres
 What would be sustenance percentage if the Gross income is 40% 35% 25% 20% 30%
B
16 between 3 lakhs to 12 lakhs
Valuation report to be obtained from the approved valuer of 5 Crore 2 Crore 15 Crore 10 Crore 20 Crore
the bank and two independent valuation report have to be
obtained for properties valued Rs. --------- Crore and above A

17
Maximum moratorium period ( within the total repayment 18 months 24 months 36 months 32 months 30 months
tenure) under Housing Loan is permitted up to C
18
Maximum moratorium period for repair and renovation is 15 months 12 months 18 months 24 months 36 months
B
19
Which of the following is not correct ? Staff members of our Property can be in the name HUF can also be FEMA gudielines to be Persons of Indian Origin
Bank are not eligible for of any family members taken an co complied with while (PIO) and Ovcerseas
A availing Housing under applicant lendign to NRIs in Citizenship of India are
Union Home Housing Loan also treatd as NRI
20
What is the required margin for purchase or construction of 15% 10% 25% 30% 20%
a residential unit for loan up to Rs.30.00 Lakhs B
21
What is maximum size of plot is to be considered in case of 5000 Sq. Ft 7500 Sq Ft 4000 Sq Ft 3000 Sq Ft No limit
composite Housing Loan if the same is purchased from Private A
22 Entities
Who can not become co-applicant in case of married female
E
23 applicant in Housing loan Father in law mother in law husband son uncle
If residual life is 25 years then for how many years we can
B
24 sanction housing loan 25 years 20 years 15 years 30 years 10 years
The Rate of Interest charged in CRE(RH) is 1% more than union 0.50% more than union home 0.25% more than 2% more than union None of the above
A
25 home union home home
What expenses are not covered under Union Education loan ? Examination Fees , Fees payable to Purchase of books Travel expenses to Student exchange fees
D Library Fees, School/College/Hostel and computer college
26 Laboratories Fees
If 2 children of a family are applying for Education loan for one single loan Two different loans can not sanction part of deviation None of the above
B
27 different course than it will considered
How many education loan can be sanctioned to a student at a 1 2 3 4 5
A
28 time
 What is the margin for loan amount is Rs 7 lakh for inland 10% 15% 5% 20% No margin required
C
29 education
During moratorium what type of interest is charged Compound no interest charged Simple Compound as well as None of the above
C
30 simple interest
31 Security is required if loan amount is more than B Rs 4.00 lakh Rs 7.50 lakh Rs 10 lakh Rs 15 lakh Rs 5 lakh
Maximum repayment period (after course and moratorium ) is 15 years 20 years 10 years 5 years 12 years
A
32
If interest is serviced during moratorium period than interest 2% 3% 1% 4% 5%
C
33 rebate is given to the applicant is
Delegation of scale III Branch Manager in education loan Rs 5 lakh Rs 15 lakh Rs 7.50 lakh Rs 10 lakh No delegation
B
34 inland is
Education loan covered under CGFSEL if loan amount is up to Rs 4.00 lakh Rs 7.50 lakh Rs 10 lakh Rs 15 lakh No limit
B
35
What is the purpose for which Union Mortgage plus cannot be Marriages Higher Education Repayment of high Investment in share Medical Emergencies
D
36 given? cost loans market
Which credit facility that can be sanctioned under Union Term Loan Overdraft (OD) Bank Guarantee A & B BOTH A & C BOTH
D
37 Mortgage plus?
What is the minimum loan amount that can be sanctioned Rs. 1 lakh Rs. 2 lakh Rs. 5 lakh Rs. 10 lakh Rs. 3 lakh
A
38 under Union Mortgage plus?
On which of the following properties Union Mortgage Plus loan Industrial Open Plots Residential Under construction Commercial
C
39 can be given?
In Mortgage Plus if borrowers CIBIL is below 700, additional 0.05% 0.10% 0.15% 0.20% 0.25%
B
40 ROI charged is
What is the ROI for loan under Union Mortgage plus? 0.50 % above the rate of 1% above the rate of interest 0.25% above the 0.75 % above the rate 2% above the rate of
B interest of home loan of home loan rate of interest of of interest of home interest of home loan
41 home loan loan
What is the minimum score of marks as per scoring chart 30 40 50 60 70
C
42 under Union Mortgage Plus?
Which one of the following cannot be given loan Union Salaried Individuals Non- Salaried Individuals Business Persons (in Staff members Partnership firm
Mortgage loan? E their individual
43 name)
What is the purpose for which Union Mortgage cannot be Marriages Higher Education Liquidity Real Estate business Medical Emergencies
D
44 given?
What is the maximum repayment tenure permissible under 60 months 120 months 180 months 144 months 240 months
C
45 Union Mortgage?
 Which of the following property can be mortgaged to avail Residential Agricultural Industrial / A and C Open plots allotted by
D
46 Union Mortgage loan? Commercial Govt Agencies
What is the moratorium period under Union Mortgage loan? 12 months 6 months 3 months 18 months No moratorium
E
47
What is the maximum eligible age for salaried and non- 70 years for both 60 and 75 years 60 and 70 years 75 years for both 65 and 70 years
D
48 salaried class under Union Mortgage?
49 For how many months sanction is valid in education loan D 3 months 9 months 12 months 6 months 10 months
Life insurance policy of the student ( applicant) to be Yes No Yes,only if loan Yes,only if CIBIL score Yes, Only for new
mandatorily obtained in all cases and assigned in favour of amount is more is more than 700 customers
the Bank. A than Rs 20.00 lakh
50
What is the Maximum quantum of loan for new four wheeler Rs 125 lakh Rs 75 lakh Rs 50 lakh Rs 30 lakh No limit
E
51 under union miles scheme
Maximum number of Applicants/Co-Applicants under Union
B 2 3 4 5 No limit
52 miles scheme is restricted to
Loan under Union Miles scheme can be sanctioned for Old 4 Wheeler-Not
E New 4 wheeler New 2 wheeler Old 2 wheeler a,b and d
53 purchase of older than 3 years
Minimum age of borrower under union miles scheme for 21 years 25 years 20 years 18 years 22 years
D
54 purchase of new two wheeler is
55 Repayment period for new four wheeler is A 84 months 60 months 48 months 72 months 36 months
56 What is the mobile number for VAHAN check B 7638299899 7738299899 7538299899 8992997738 7038299899
For self employed individual under union miles scheme ITR IS 4 years 2 years 3 years 1 years 5 years
B
57 required for how many years
The maximum limit for accepting direct payment to auto 15% of the cost or 50000 15% of the cost or 25000 10% of the cost or 25% of the cost or 10% of the cost or 50000
dealer as margin in cash under union miles shall be restricted E whichever is less whichever is less 25000 whichever is 50000 whichever is less whichver is less
58 to less
What is the maximum quantum of loan to be sanctioned 15 Lakh 10 Lakh 5 Lakh 7 Lakh 6 Lakh
A
59 under Union Personal scheme SRLGE
What is the minimum CIBIL score required for sanction of 650 750 850 600 700
E
60 Union Personal Loan SRLGE at Branch Level
Under Which Personal loan scheme takeover is permiited Union Perosnal Tie-up Union Personal Non Tie-up Union Perosnal Non- Union Personal SRLGE All
D
61 Salaried
Which one is not a purpose of loan under SRLGE Personal need Medical need Education of Marriage of children Speculative purpose
E
62 children
The nature of facility in Union Personal Salaried under Non Term Loan CC limit OD limit A or B A or C
A
63 Tie Up
 Loan for first time borrower under scheme B (non tie up) is Rs 5 lakh Rs 10 lakh Rs 12 lakh Rs 2 lakh Rs 15 lakh
A
64
Which one is the competant authority to make tie up with RLCC ZLCC CAC III CAC II CAC I
B
65 reputed institutes/ organizations
In case borrower is single/widow/divorced, then personal Guarantor not required 4 3 1 2
guarantee of how many co-employee is sufficient D
66
What is the maximum quantum of loan to be sanctioned 12 Lakh 10 Lakh 15 Lakh 7 Lakh 6 Lakh
C
67 under Union Personal for non- salaried scheme
Minimum AQB of Rs. - - - - - - - - to be mainatined by 20000/- 10000/- 15000/- 25000/- 5000/-
customer in Savings & Current Accounts for eligibility under
Union Perosnal Scheme for Non-Salaried Individual D

68
ITR required for how many years in Union Personal non 1 Year 2 Years 3 Years 4 Years 5 Years
B
69 salaried scheme
Eligible Individual under Union Personal for Non-Salaried 15 Months 36 Months 24 Months 12 Months 6 Months
should maintain the account at least for ______________ to C
70 consider the Loan Proposal
Which type of pensioner is not eligible loan in union cash Pensioners of Pensioners drawing pension Pensioners of Banks. Pensioners of reputed Pensioners of
scheme? Central/State govt. from other bank domestic/private Central/State government.
B undertakings. companies.
71
Which retail lending scheme is exclusively for pensioners in Union Revese Mortgage Union Personal Union Cash Union Shares Union Rent
C
72 our bank?
Sr. No QUESTION ANSWER Option A Option B Option C Option D Option E
1 Which are the aspects would be beneficial to the Bank Safety Profitability of the Bank as a Profitability of the Branch All the above None of the above
D
by efficient cash management ? whole
2 Who could be joint custodian/s for the safety of the Branch Manager & Cashier Dy. Branch Head & Cashier Dy. Branch Head & Officer- Option A & B only Any of the
cash at Branch ? E in-charge combinations as
above
3 At what frequent intervals exchange of cash keys/safe Once in a year Once in two years Once in three years Once in five years Once in Six Months
keys has to be undertaken with duplicate kept at other B
Branch/location?
4 Customers are advised to use ATMs to withdraw cash 10000/- 20000/- 25000/- 30000/- 50000/-
C
upto Rs_____________.
5 All cash payment instruments (cheques) of Rs________ 10000/- 1,00,000/- 25000/- 30000/- 50000/-
and above shall be verified under UV light. A

6 Payment/withdrawal in saving Bank account by third 10000/- 1,00,000/- 25000/- 30000/- 50000/-
party at non-base branches is restricted to A
Rs__________.
7 Payment/withdrawal in CD/OD account by third party at 10000/- 1,00,000/- 25000/- 30000/- 50000/-
non-base branches is restricted to Rs__________. C

8 Quoting of 'PAN' is mandatory for cash transactions 25000/- 50000/- One lakh Two lakh Ten lakh
B
above Rs._________
9 Cash deposits / withdrawals amounting to above 25000/- 50000/- One lakh Two lakh Ten lakh
Rs.____ to be closely monitored as per directions of RBI E
?
10 Cash cheque above Rs._________ are to be cancelled by 25000/- 50000/- One lakh Two lakh Ten lakh
two authorised signatories is mandatory. B

11 Cheques presented Rs. _______ and above in inter-sol 25000/- 50000/- One lakh Two lakh Ten lakh
transactions at centre other than home SOL of the
drawer and the payee, shall be passed only after making D
enquiries with drawer of the cheque either direclty
through his/her branch.
12 Which of the following menu has been used by cashier SHRFRPT CASHCONF HRTGSV HPORDM HACM
B
to verify cash transactions in FINACLE?
13 Who is the authority to impound counterfeit notes ? Banks Treasuries and sub- Offices of RBI Currency Chest All of the above
E
treasuries
14 Who is drawer of a cheque? A person on whom the An account holder who has Beneficiary or recepient of Eithher A, B or C None of the above
instrument is drawn i.e the issued the cheque the amount
B
person who has to pay the
amount.
15 Drawee of the cheque will always be The account holder Holder of the cheque A Banker Holder in Due Course The One who will be
C receiving the money.

16 A cheque is a photocopy of original cheque if the VISA VOID DUPLICATE ORIGINAL VALID
B
______ is see on the cheque.
17 On a cheque it is writen as 'Pay to Ramesh ' , It means Cheque is Payable to Ramesh Cheque can be paid to a Cheque can be paid to A to C A&C
C
Only bearer Ramesh or Order
18 Material alteration of cheque includes Change of date Change of amount in words Change in amount in Cancellation of crossing All the above
E
figures
19 Holder of a cheque can Complete the date Fill the date Can cross the cheque Entitled to receive the All the above
E
payment
20 Cheque is defined under? Section 131 of NI Act Section 85 of NI Act Section 5 of NI Act Section 6 of NI Act Cheque is not
D defined in
anywhere.
21 Who is the payee of cheque? He/she who is entitled to He/She who has written He/She who has signed Bank on which it is drawn None of the above
A
receive the money. the cheque the cheque
22 Which of the following can considered as Cheque Fraud. Counterfieting Forgery Fraudulent A to C A&B
E
23 Which of the following statements are true? A cheque which bears no date Cheque bearing a date prior A cheque signed by an A cheque dated on Sunday All the above
should be returned unpaid to the date of issue of agent bearing a date prior /holiday can be paid on
cheque book or the date of to the date of issue of the subsequent working
opening of the account can power of attorney can be day provided it is not stale
E be paid, as there is a paid. or posted and is in order.
contractual relationship on
the date of presentation of
cheque.

24 How much cash can be withdrawn by using loose C Up to Rs. 5000.00 Up to Rs. 10000.00 Up to Rs. 25000.00 Up to Rs. 100000.00 Above Rs.
cheque 25000.00
25 If no cheque book is issued in the customer B Withdrawal Form Loose leaf cheque Loose cheque Any one of the above Cheque only after
account Which instrument should be used for cash issuing the cheque
payment up to Rs. 5000.00 book in the
account
26 Serially numbered instrument “Loose leaf C Rs. 5000.00 Rs. 10000.00 Rs. 25000.00 Rs. 100000.00 Any Amount
cheque” which is being used in place of
withdrawal form can be issued for payment in cash
up to
27 In emergent circumstances how a saving bank D By using withdrawal slip By using Loose leaf By using Loose cheque By using Loose cheque Has to bring his
account holder with cheque book facility can cheque up to Rs. 5000 Up to Rs. 5000.00 only cheque book only
withdraw cash if he forgets to bring his cheque only
book.
28 While making cash payment up to Rs. 5000 which of the D Cash payment can be Cash payment can be Cash payment in A to C Only A & B are
following statement is correct made by using cheque made on the basis of emergent circumstances correct
issued to the account Loose leaf cheque if can be made by using
cheque book facility is loose cheque
not availed by the
customer
29 Loose cheque books are controlled in Finacle at E LCHQ ICHB CHBM ISI IMC
the branch level by using menu option
30 Loose leaf cheque are controlled in Finacle by D CHBM ISI IMC LCQMM LCHQ
using menu option
31 Advantage of Loose leaf cheques are E Control on the loose leaves Can be used only for cash Will reduce the existing MIS generated enables All of the above
used by the branch payments at the base risk of misuse of controlling office to
branch withdrawal slip and monitor the usage of
loose leaf the instrument

32 Which of the following statement regarding cash A Loose leaf can be used in Loose leaf can be used Loose leaf can be used Loose leaf can be used i All of the above
payment at branch is correct savings bank account in current deposit in overdraft account branch for office use
holder account holder holder
33 Loose cheques are issued to account before B IMC ICHB CHBM ISI LCQMM
entering the transaction in the menu option “TM”
by using menu option
34 What are the benefits of using digital banking E Anywhere transaction Anytime transaction Mobile Banking SMS Banking All of the above
channels……….
35 An arrangement through which banks exchange E Saves time Minimizes expenses Expeditious service to Only A & B A to C
instruments drawn on another Bank is known as their customers
clearing facility. Its main benefit is………..

36 Types of transactions could be in D Cash Transfer Clearing A to C None of these

37 Suspense Account is a type of office account which C Personal Account Remittance Account Impersonal Account Tangible Accounts None of these
is known as
38 The core functions of a Bank are E Accepting Deposits Lending Investment Remittances A to C
39 Intersol transaction is one where C Transactions are done Transactions happens Transactions happens Cash Remittance taken Cash Remittance
within the branch between two banks between two branches place to Currency Chest taken place to
of the same bank other bank’s
Currency Chest
40 What are the Prime responsibilities as an E Safekeeping & Verification Custody of Bank’s Keys Customer Service & Ambience and House All of the above
Officers….. of Security Items Taking Safety Measures Keeping

41 Which does not form part of branch security item? A ATM Electronic Anti-burglar Closed Circuit Television Fire Alarm System Adequate and
Alarm System. (CCTV) System Appropriate Fire
Extinguishers
42 POB Account is a a type of account used for/as B Income Account Payment made on behalf oa Expenditure Account Sundry Account All the given options
another branch are true.

43 Identify an incorrect statement C Now banks are offering
digital banking for rich
customer experience.
All entries made in All deposits are assets and Impersonal accounts are Banks follow double
impersonal accounts shall all loans are liabilities for risk prone to frauds and entry system for its
be reversed/adjusted at the the bank mis-appropriation of accounting.
earliest possible time to banks funds
avoid any frauds.

44 Which of the features can be checked during physical

verification of cheque? E Date of Cheque Amount in word and figures Crossing Alteration on cheque All of the above
45 Which of the feature can be checked in system for Death or Insolvency
verification of cheque? E Issue of cheque to account Stop Pay Instruction Lien Mark Notice All of the above
46 Person having possesion of
Payment in due course means? E In Good faith instrument without negligence with reasonable care All of the above
47 After reciept of stop pay Under suspicious
Payment not in due course means? E After banking hour instruction circumstance Forged Signature All of the above
48
Cash cheques above which limit needs dual signature? A 50000 100000 200000 500000 1000000
49 Above what limit cash cheques to be verified in UV
Lights by cashier , before payment C 100000 200000 10000 50000 5000000
50 Which menu is used by cashier to confirm cash
papyment in finacle? A CASHCONF CONFCASH CASH CONF NONE
TOPIC QUESTION ANSWER Option A Option B Option C Option D Option E
Above what limit , before passing a cheque, customer's
1 confirmation needs to be taken? C 50000 100000 200000 500000 1000000

Invisible band of lines Invisible band of lines Invisible band of lines

What is found glowing in CHEQUE under UV Lamp to Bank logo below bank name meant for writing payee meant for writing amount meant for writing amount
2 ensure its genuineness? E will glow name will glow in words will glow in figures will glow All of the above

3 Which feature would be visible in photo-copied cheque? A Void Pantograph Watermark Blue ink line Black ink line None of the above
4 Cash remmitances limit by foot ? b 10 lakhs 5 lakhs 15 lakhs 20 lakhs 50000
5 Cash remmitance limit by motor cycle with out escort ? a 10 lakhs 5 lakhs 15 lakhs 20 lakhs 50000
6 Cash remmitance limit by auto rickshaw with out escort ?d 10 lakhs 5 lakhs 15 lakhs 20 lakhs 50000
7 Cash remmitance limit by cash van/car/4wheeler with outeescort ? 10 lakhs 5 lakhs 15 lakhs 20 lakhs 50 lakhs
8 Armed guard are mandatory for cash remmiatnces aboveb? 20 lakhs 50 lakhs 40 lakhs 10 lakhs 50000
9 Maximum cash which can be remmitted through Route c 200 lakhs 100 lakhs 50 lakhs 500 lakhs 300 lakhs
Bus/Train/Water surface Transport with armed guard ?

How many armed guards are required for cash

10 remmitance of 200 lakhs in cash van b 2 1 3 no need 5
How many armed guards are required for cash
11 remmitance of 500 lakhs in cash van a 2 1 3 no need 5
Cash may be remmited with out armed guard with
12 proper mode up to? b 20 lakhs 50 lakhs 40 lakhs 10 lakhs 50000
13 Up Rs. 50 lakhs cash can be remmited through ? d Car only Jeep only Cash van only all the above none of the above
How many mandates can a Bank upload at a time? B Only one at a time Any number of mandates Any number of mandate Only one provided single Any number of
provided single image file ,no restriction image file doesn’t exceed mandates provided
doesn’t exceed 100KB and a 100KB single image file
single zip file with multiple doesn’t exceed 50KB
image & data file doesn’t and a single zip file
exceed 10MB with multiple image
& data file doesn’t
exceed 1MB

14
MMS Service of NACH Debit facilitates D Mandate Creation Mandate Amendment Mandate cancellation All the above None of the Above
15
MMS stands for A Mandate Management Money Management Mobile Money System Mandate Master System Master
System System Management
16 System
17 NACH is handled by D RBI SEBI DFM NPCI MEITY
NACH stand for A National Automated Clearing National Automatic Credit National Clearing House Non Automated Clearing None of the Above
18 House House House
NACH system also support E Aadhaar based transactions Making bulk transactions Inter-bank debit or credit Collection of payments of All the Above
19 transactions Utility Bills
What is the Size of the Mandate? A The Size of the Standard Bank Wise Separate Size No specific Size The Size of the Standard None of the Above
Cheque i.e.8” x3 2/3” Cheque i.e.9” x3 2/3”
20
What is UMRN ? A Unique Mandate Reference Union Master Reference Union Money Receipt Unique Money Receipt Users Mandate
Number Number Number Number reference Number
21
What is Utility Code? A Refers to the User number Refers to the User number Refers to the User number Refers to the User number None of the Above
that has been allocated by that has been allocated by that has been allocated by that has been allocated by
NPCI, to the Corporates. RBI, to the Corporates. Sponsor, to the Destination Bank, to the
Corporates. Corporates.
22
Who can initiate a Mandate? C By Creditor Bank By Debtor Bank By Both Creditor and By Customer By NPCI
23 Debtor Bank
As per the SBFLEXI scheme, the term SWEEP- D Withdrwal from the SB Closure of the account Transfer of the balance transfer of the balance Transfer of branch
OUT means account completely from a term /Fixed deposit from the SB account to a from the SBFLEXI
account to the SB account term/Fixed Deposit account to another
account SB account
24
How many variants of flexi deposit Schemes are there in A 2 3 4 5 1
25 Saving bank
SWEEP-IN as per SB Flexi Scheme means B Transfer of balance from transfer of amount from closure of a Term Deposit Opening of Term Deposit Deposit of amount
another SB account of the the linked Term/Fixed of the customer and account in SBFLEXI account
same customer to the SBFLEXI Deposit to the SBFLEXI crediting the SBFLEXI
26 account account account
SWEEP-IN will be done in the sbflexi scheme on the C FIFO FILO LIFO the mandate of the amount of the
27 basis of customer linked deposit
Under union flexi savings account the periodicity of A Daily Monthly weekly As per customer's By execution of
Sweep out is mandate standing instructions
28
Which of the following facilities are permitted in E Cheque Book Standing Instructions NEFT/RTGS ATM/Debit Card All the above
29 SBFLEXI account
 Which of the following is not true in case of SBFLEXI B Passbook will be issued Deposit receipts will be TDS applicable No overdraft/lien will be This is a hybrid
deposit account issued for linked TD permitted against the product combining
accounts linked FDRs the features of
savings bank and
term deposits.
30
Under SBNFP the periodicity of Sweep out is C Daily Monthly Weekly As per customer's By executing of
mandate Standing Instruction
31
What is the minimum balance requirement in SBNFD C 1000 5000 50000 100000 15000
32
What is the minimum balance requirement in SBNFP D 50000 100000 150000 1000000 500000
33
34 Period of term deposit in SBNFP is B 15 days to 1year 46 days to 90 days 46 days to 180days 1 year 90days to 1 year
35 Maximum sweep out from SBNFP is C 10 cr per week 1 cr per week 9.90cr per week 9.90cr per day 1cr per day
36 Maximum sweep out from SBNFD is B 1cr per week 1Cr per Day 9.90cr per week 9.90cr per day 10cr per week
Which Section of Negotiable instruments Act defines C
37 Endorsements Section 45 Section 35 Section 15 Section 40 Section 5
What do you understand by "ALLONGE" in Endorsement E Piece of Paper used
along with
negotialbe
38 Endorser Endorsee Negotiable Instrument Cheque instrument
Endorsement is transfer of B
39 Property Title Goods Business None of the above
Person in whose favour the endorsement is done is E
40 called Transferror Endorser Owner Proprietor Endorsee
Person who signs and transfers the instrument is called B
41 Transferror Endorser Owner Proprietor Endorsee
Who can endorse an instrument E payee of a promissory
42 Holder of an instrument payee of a cheque note drawer of an accepted bill All of the above
Endorser only signs without adding any words, known C Conditional
43 as Restrictive Endorsement Sans Recourse Blank Endorsement Endorsement in Full Endorsement
Endorser signs his name and adds the name of endorsee D Conditional
44 specifically Restrictive Endorsement Sans Recourse Blank Endorsement Endorsement in Full Endorsement
Endorser restricts further endorsement by adding “Pay E Restrictive
45 to A only” and signs is …. Sans Recourse Blank Endorsement Endorsement in Full Conditional Endorsement Endorsement
General crossing is defined under which section of NI
46 Act? A 123 124 130 150 195
 Special crossing is defined under which section of NI
47 Act? B 123 124 130 150 195
Not negotiable crossing is defined under which section
48 of NI Act? C 123 124 130 150 195

49 NI ACT does not define which type of crossing? A Account payee crossing General crossing Special crossing Not negotiable crossing It defines all

If the payee name in the cheque is given and Account payee cannot take cash
50 Payee crossing is present on the cheque then D Payee cannot transfer cheque payment payee can do both A&B none of above
TOPI QUESTION ANSWER Option A Option B Option C Option D Option E
C
1 Crossing is applicable in .. C Bill of Exchange Promissory Note Cheques All of the above none of above
2 What is important in special crossing? B Lines are important Name of the bank is Words are important Not negotiable crossing is
It depends on case
important important to case basis
3 Does "Not negotiable" crossing restrict further transfer B Yes No Depends on situation May be Depends on amount
of cheques? of cheque
4 Minimum AMB balance in UCCA-I a/c is C Rs 10,000/- Rs 25,000/- Rs 50,000/- Rs 1,00,000/- Not Required
5 Periodicity for calculation of AMB D 1st day of month to last day 1st day of month to last 15th of Previous month to 16th of Previous month to None
of previous month day of current month 16th of Current month 15th of Current month

6 Minimum AMB balance in UCCA-II a/c is C Rs 1,00,000/- Rs 2,00,000/- Rs 5,00,000/- Rs 10,00,000/- Not Required
7 Free cash Deposit in UCCA -I accounts E 15 times of AMB 10 times of AMB 1000 pieces of note per both a & c both b & c
day
8 Free cash Deposit in UCCA -II accounts D 15 times of AMB 10 times of AMB 1000 pieces of note per both a & c both b & c
day
9 Free Daily ATM -POS limit in UCCA -I accounts B Rs 1,00,000/- Rs 2,00,000/- Rs 3,00,000/- Rs 5,00,000/- Unlimited
10 Free Daily ATM -POS limit in UCCA -II accounts C Rs 1,00,000/- Rs 2,00,000/- Rs 3,00,000/- Rs 5,00,000/- Unlimited
11 Cheque Book Charges is applicable in UCCA -I accounts A beyond 100 leaves per year beyond 200 leaves per year beyond 100 leaves per beyond 200 leaves per Unlimited
month month
12 Cheque Book Charges is applicable in UCCA -II accounts B beyond 100 leaves per year beyond 200 leaves per year beyond 100 leaves per beyond 200 leaves per Unlimited
month month
13 Which among the following is not absolutly free in C Folio Charges RTGS / NEFT Demand Drafts IMPS ATM Card
UCCA a/c
14 Penalty for non maintenance of AMB in UCCA-I & II C Rs 500/- + GST Rs 500/- including GST Rs 1000/- + GST Rs 1000/- including GST No Charges
accounts
15 Upfront facility in newly opened or converted UCCA-I & B Rs. 0.50 Lac AMB facility in the Rs. 1.00 Lac AMB facility in Rs. 2.00 Lac AMB facility in Rs. 5.00 Lac AMB facility No such Facility
II accounts first month the first month the first month in the first month

16 Penalty for non maintenance of AMB in UCCA- B C Rs 5000/- + GST Rs 5000/- including GST Rs 10000/- + GST Rs 10000/- including GST No Charges
accounts
17 For Cash Trasanction in UCCA- B account select correct E Cash Deposit allowed only at Cash Withdrawal allowed Less than 100 Withdrawal in excess of Rs All of above
option base branch only at base branch denomination not 10.00 Lacs in Rural /Semi
accepted Urban centres requires
one day prior notice

18 Free Cheque Leaves in UCCA- B accounts A 100 leaves per month 200 leaves per month 100 leaves per year 200 leaves per year No such Facility
19 What are the objectives of Clean Note Policy D Bank employees should
instantly stop writing /
scribing of any kind on
the body of the note.
Banks should do away Banks should sort the All of the these None of these
with stapling the notes into Re-issuable
note’s packet and and Non-issuable and
instead secure the issue only those notes
Notes packets with which are
paper bands authenticated by the
note sorting machines

20 Notes determined as counterfeit shall be A Counterfeit Note Fake Note Forge Note None of These Illegal Note
stamped as ?
21 On which condition consolidated report in the B counterfeit notes up to 5 counterfeit notes up to counterfeit notes up None of These counterfeit
prescribed format should be sent by the Nodal pieces 4 pieces to 3 pieces notes up to 10
Bank Officer to the police authorities or the pieces
Nodal Police Station, along with the suspect
counterfeit notes, at the end of the month ?

22 When counterfeit notes should be forwarded B counterfeit notes up to 4 counterfeit notes up to counterfeit notes up counterfeit notes up counterfeit
by the Nodal Bank Officer to the local police pieces 5 pieces to 5 pieces to 5 pieces notes up to 5
authorities or the Nodal Police Station for pieces
investigation by filing FIR in the prescribed
format?
23 How many will sign on the cash slip ? C One Three Two None of these need not to sign
24 What is the color of slip for non issuable notes A WHITE BLUE RED GREEN YELLOW
25 How many packets of the same denomination E Five Two Four Twelve Ten
notes should be tied together to form a RING
26 How many number of notes will be there in a ring C 500 2000 1000 100 None of these

27 Notes can be sorted to which of the following D Issueable Notes Non-issuable Notes ATM Fit Notes All of these None of These
types?
28 What is the periodicity of submission of cash D Yearly Weekly Quarterly Monthly Half- yearly
transaction report
29 Under Union Flexi Current Deposit (CDFFD) the A Weekly Daily Fortnighly As per the mandate of Monthly
frequency of sweep out is the customer
30 Under Union Flexi Premium Current Deposit B Daily Weekly Fortnighly As per the mandate of Monthly
(CDFFP) the periodicity of sweep out is the customer
31 What is the minimum balance in CD Flexi account C Rs 200000 and Rs 50000 Rs 25000 0and Rs 100000 Rs 500000/- and Rs Rs 500000 and Rs 50000 Rs 100000 and Rs
(CDFFD) and Sweep out amount to FD is in 100000/- 50000
multiples of?
32 In CD Flexi Account (CDFFD), Sweep-in Amount is A Rs. 100000 Rs. 10000 Rs. 50000 Rs. 500000 Rs. 200000
in multiples of?
33 In CD Flexi Account (CDFFD), The Minimum Period B 7 days 15 days 31 days 46 days 91 days
of Term Deposit is?
34 In CD Flexi Account(CDFFD), The Maximum Period B 46 days 91 days 1 Year 3 Year 5 Year
of Term Deposit is?
35 In Union Flexi Premium Current Deposit (CDFFP), B 46 days 91 days 1 Year 3 Year 5 Year
The Maximum Period of Term Deposit is?

36 What is the minimum balance in Union Flexi D Rs. 500000 Rs. 1000000 Rs. 5000000 Rs. 2500000 No Minimum
Premium Current Deposit (CDFFP)? Balance
Stipulation
37 The Sweep Out amount is in Multiples of D Rs. 100000 Rs. 50000 Rs. 1000000 Rs. 500000 Rs. 2000000
___________ in Union Flexi Premium Current
Deposit (CDFFP)
38 The Sweep In amount is in Multiples of D Rs. 100000 Rs. 50000 Rs. 1000000 Rs. 500000 Rs. 2000000
___________ in Union Flexi Premium Current
Deposit (CDFFP)
39 In KYC, OVD means C Offer Value Discount Official Valued Document Officially Valid Official Valid Document On Verification
Document Document
40 Documents to be obtained from NRI for KYC .. E Copy of Passport Copy of Visa Address proof Introduction by a All of These
Banker/ Notary Public/
Indian Embassy/ Local
customer who have
been subjected to full
KYC Procedure.
41 Which of the followings are sufficient to open an E Registration Certificate, if it Sales Tax and Income Tax Certificate / License i. IEC (Importer Exporter Any 2 of A, B, C &
account of proprietary concern in normal case? is registered. Returns issued by the Municipal Code) issued to the D
Authorities under Shop proprietary concern by
& Establishment Act the office of DGFT/
License/Certificate of
practice issued in the
name of the proprietary
concern by any
professional body
incorporated under a
statute.

42 How many customer ID s are to be created for A 2 1 3 Customer ID Not Only Proprietor ID
opening an account of proprietary concern. Required for firms is enough.
43 Documents to be obtained for opening account of E Prescribed Joint Hindu Declaration form from Identity & Address proof Recent Passport size All of these
HUF are Family Letter signed by all the Karta of individual as Photographs of Karta &
the major Co-parceners mentioned above of the all major co-parceners
Karta and each of the
major co-parceners as
applicable to individuals

44 Documents to be obtained for opening account of E Registration Certificate, if Partnership Deed Permanent Account KYC documents of all All of the above
Partnership firm are registered. Number (PAN) of the the partners
Partnership Firm
45 Documents to be obtained for opening account for D Registration Certificate PAN card of trust Trust deed A to C A&B
trusts are
46 Documents to be obtained for opening account of E Certificate of Incorporation PAN Card Article & Memorandum KYC of Directors All of the Above
Company are of Association

47 Which of the following not an OVD? B Proof of possession of PAN Voter ID issued by the Passport A valid Driving
Aadhaar Election Commission of License
India.
48 Utility Bills to be obtained as deemed OVD should B 1 2 3 4 5
not be older than _____ months
49 Which of the following bills cannot be considered A Leave & License Agreement Piped Gas Connection Bill Post Paid Telephone bill Water Connection bill Electricity Bill
as deemed OVD for the limited purpose of made by the House Owner
Address? and the Tenant for
accommodation.

50 Updated OVD to be obtained within _____ C 1 2 3 4 5

months of opening of account when an account
was opened by accepting deemed OVDs for the
limited purpose of Proof of Address.
TOPIC QUESTION ANSWER Option A Option B Option C Option D Option E
1 Branches must mask the first ---- digit of the A 8 6 2 4 5
Aadhaar number while storing the physical
copy of the Aadhaar card or e-Aadhaar.

2 The term co-parceners is used with B Companies Joint Hindu Family Partnership Trusts All the above
3 The purpose of KYC is to E Avoid Money Laundering To arrest terror financing To avoid accounts being To avoid money mules All the above
opened in Benami being used for money
names laundering.
4 Definition of Central Know Your Customer is A Central Know Your Customer CKYC is a depository of CKYC is a depository of All of these None of these
or CKYC is a centralized customer information at customer information at
depository of KYC records of individual Bank level Reserve Bank of India level
customers engaged in various
financial market segments

5 Cental KYC program is managed by which agency A Central Registry of Credit Gurantee Trust for Reserve Bank of India (RBI) Indian Banks Association Union Bank of India
Securitization and Asset Micro and Small Enterprises
Reconstruction and Security (CGTMSE)
Interest in India (CERSAI)

6 Fee for uploading each KYC record. B Rs.1.00 Rs.0.80 Rs.0.90 Rs.1.25 None of these
7 Fee for updating the each CKYC record C Rs.1.00 Rs.0.80 Rs.1.15 Rs.1.25 None of these
8 Web portal for CKYC is D www.cersai.org www.cgtmse.org www.kyc.in www.ckycindia.in None of these
9 Mutiple communication adress can be maintained in A By submission of request by Only one communication By the permission of Can not be done None of these
CKYC on which conditions customer to the respective adress is posssible Central government only
financial institution

10 The cut off date for branches to scan and upload KYC B 10.07.2020 10.08.2020 10.09.2020 01.01.2021 None of these
documents by next day of account opening is
11 The CKYC number is updated digitally in which platform A Finacle Management Information Lending Automation All of these None of these
Seystem (MIS) Solution (LAS)

12 CERSAI is a governmnet company licensed under which C Section 25 of RBI Act Section 25 of Banking Section 25 of Companies Section 25 of Negotiable None of these
Act Regulation Act Act Instruments Act
13 During registration process, in case records uploaded by D Same day 3 working days 4 working days 5 working days None of these
a bank are found to have matching characteristics with
already existing records in the registry, such records are
referred back to the same Bank for reconciliation

14 LEI system is applicable for all payment transactions of E Rs. 2 Crores Rs. 5 Crores Rs. 10 Crores Rs. 20 Crores Rs. 50 Crores
value ......... and above undertaken by the entities using
RTGS/NEFT
15 The Legal Entity Identifier (LEI) is a ......... characters D 5 10 15 20 25
alphanumeric numbering system used to uniquely
identify parties to financial transactions worldwide

16 The minimum of deposit into / withdrawal from D 10 lac 5 lac 2 lac 1 lac None of these
currency chest will be Rs. ....................... and thereafter,
in multiples of Rs. 50,000/-
17 As per this RBI scheme, Banks are eligible for A Financial Incentives Non-Financial Incentives No Incentive High Ratings None of these
........................... for providing facilities for exchange of
notes and coins
18 What is the Finacle menu for branches request cash van B DPWC DWBP CCPV CCVP CCVC
for remittance to/from currency chest?
19 By using ........... Finacle menu currency chest can view D CCVP CCPV CCYST CCYCST CCDPR
branch request for cash van & amount of remittance.

20 As per Whistle Blower Policy, who can blow the whistle? D Only Branch Officer Only Officers Clerk and Officer both Any employee Chief Grievance
Officer
21 As per “Whistle Blower Policy” timelines for C 10 to 15 Days 15 to 30 Days 45 to 90 Days 60 to 90 Days 90 to 180 Days
investigation / inquiry into the concerns received by
Nodal Officer shall be completed within ...........Days.

22 The minimum amount that can be remitted through RTGS is. B Rs.5.00 lacs Rs.2.00 lacs Rs.3.00 lacs Rs.10.00 lacs No Limit

23 As per BCSBI code, a Claim in a deceased account is to be B 30 days 15 days 45 days 60 days None of these
settled within------days after reciept of all documents.

24 What is the maximum deposit amount in an account C Rs10 lacs Rs20lacs Rs15lacs Rs5lacs No Limit
under"Senior Citizen's Deposit Scheme 2004".
25 A minor can open and operate an account provided he is D 18 15 12 10 11
______ years and more.
26 SB Account is classified as Dormant in case there are no C 6 12 24 36 60
customer induced transactions in the account for the last
______ months.
27 Interest on SB account is calculated on ___________ product A Daily Monthly minimum balance Average Monthly balance Monthly minimum balance Quarterly
basis. between 10th and last day

28 Nomination facility to a/c holders are provided for the?. C Benefit to the customer Benefit to the Bank Benefit for both Bank & Benefit to RBI None of the above
Customer
29 A truncated cheque is one which is. D Torn photocopied Post dated Scanned (CTS) unsigned
30 How many number of Codes are evolved by BCSBI ?. A two three four five six
31 PPF account matures after completion of -----------years. D 5 Years 10 Years 12 Years 15 Years 20 Years
32 Customer service Meets are to be held on. A 15th of every month last day of every month first day of every month last Friday of every month once in a quarter

33 Customer Committee Meetings at Branches should consist of C Branch head and Deputy Branch Branch Head , Deputy Branch Branch Staff with Branch Head and Regional Head,
the. Head Head and one officer staff representation from all Customers Branch Head and
sections of customers Customers
34 Updation of Customer Identification data/Customer Profile of A Once in 2 years Once in 8 years Once in 10 years Once in 5 years Every Year
High Risk Customers is to be done.
35 Any Alterations in date, amount, payee's name in a Negotiable C Mandate Endorsement Material Alteration Correction Altered Instrument
instrument is known as.
36 Who is not eligible to submit Form 15G or 15H. E Individual HUF Association of Persons Trust Non-residents
37 Which of the following customer does not fall under low risk D salaried employees persons from lower strata of govt departments trusts statutory bodies
category under KYC -AML Policy the society
38 “FATCA” means Foreign Account Tax Compliance Act of the C UK Germany USA UN all the above
…………………………..
39 As per PML Act,the Bank shall maintain for at least A 5 6 7 8 10
………………... years from the date of transaction between the
bank and the client, all necessary records of transactions, both
domestic or international.
40 As per PML Act,the banks are required to maintain record of A 5 lac 10 lac 15 lac 20 lac 50 lac
all cross border wire transfers of the value of more than Rs
……………. or its equivalent in foreign currency

41 The STR shall be furnished within …………………………... of B 3 days 7 days 15 days 30 days 1 month
arriving at a conclusion that any transaction, whether cash or
non-cash, or a series of transactions integrally connected are
of suspicious nature.

42 Enhanced Due Diligence (EDD) = B KYC+KYC-B KYC+KYC-B+KYC-BR KYC-B+ KYC-BR KYC+KYC-BR None of these
43 As per KYC-AML Policy, "Small Account” means a saving B fifty thousand one lac ten thousand ninty nine thousand two lac
account in which the aggregate of all credits in financial year
does not exceed rupees ………………
44 As per KYC-AML policy The Bank shall ensure that any C Rs. 10,000/- and above Rs.25,000/- and above Rs. 50,000/- and above Rs. 100,000/- and above Rs. 200,000/- and
remittance of funds by way of demand draft, mail/telegraphic above
transfer or any other mode and issue of travelers’ cheques for
value of ..............................is effected by debit to the
customer’s account or against crossed cheques and not
against cash payment."
45 As per KYC-AML Policy,Requests for payment in cash by B USD 500 USD 1000 USD 2000 USD 3000 USD 5000
Foreign Visitors / Non-Resident Indians may be acceded to the
extent of only USD 3,000/- or its equivalent, but not exceeding
…………………………...- or its equivalent on any single day.

46 While opening Non Resident Indians – Individuals account, E Banker Notary Public Indian Embassy any two above either a or b or c
applicant is to be duly introduced by
47 How many nominees can be there in a Deposit Account D 4 3 2 1 0
held jointly by four individuals
48 Person whose funds are to be attached as per B Judgment creditor Judgment Debtor Garnishee Principal Agent
Garnishee order is known as
49 Safe Deposit Lockers should not be rented in the name C Illiterates Companies Minors Adults All of these
of
50 Free operations in the locker are restricted for how B 6 12 9 3 24
many times a year beyond which it is chargeable?

51 Life Certificate from Pensioners are to be taken every D April January June November December
year during the month of
52 As per BCSBI,where a customer is not happy with the B One month 14 days 18 days 21 days None of these
services of a branch after opening his SB/CD account he
can close the account with no charge with in a period of -
---from the date of opening of the account.

53 As per BCSBI,any changes in the fees/charges are to be B Immediately after the One month prior to the Three month prior to the Update the website is None of these
informed to the customers implementation of the revised charges becoming revised charges becoming sufficient
changes effective effective
54 As per BCSBI,if bank is planning to close or shift the A 2 months 1 month 3 months 4 months Not required
branch, bank has to inform the customer ------- months
in advance if there is no branch of any bank functioning
at that centre.
55 As per BCSBI,any change in the maintenance of B 15 days 30 days 60 days 14 days None of these
minimum balance in the account is to be informed to
the customers --------- days in advance.
Sr.No Question Answer A B C D E
1 For VERIFYING a CIF ID, one has to choose Option B Audit Trial Edit entity Entity Queue New Entity Reports
2 CIF Id consists of how many digits? D 6 7 8 9 10
Which of the following address is mandatory for the Retail Communication Correspondence Registered
Mailing Address
3 customers A Address Address Address Permanent Address
4 Which menu is used for seeing ‘360 Degree Account View’ ? A CUSTVIEW BRACMIS QUERY GR HGR1

5 Corporate customer id starts with ---------- in Finacle 10.x D 6 7 8 9 1

Account
For opening
Open an Basic Savings opened with Report of BSBDOPN
Open BSBD account for Micro Digital
BSBDOPN menu: Which of the following option is WRONG? Account for a new Aadhaar accounts can be
an existing customer Current
customer Number if generated
Account
6 C EKYC is done
Which of the following is code for ‘instrument type’ field in case of
LNM LTN LNT TNL NLT
7 cash receipts? B
Which of the following menu is used for freezing debit in an
HALM AFSM HAFSM ALM HALMAU
8 account? A

Which of the following menu is used for deposit receipt print? HRELACI HDUDRP HDRP HTDEXT DRPH
9 C
10 Menu for Opening Gold Loan Account in Finacle B GLOA GLAO GLAV OLACOLP None of the above
11 Scheme Code for Opening Gold Loan under Agriculture is B TLU03 TLU04 TLU05 TLU06 TLU13
12 Menu for indenting Gold Loan Pouch for the Branch A STATINV STAIND STAND SATINV None of the above
SCSS can be opened for a individual to a maximum of _______
10 lakhs 15 lakhs 2.5 lakhs 5 lakhs 7.5 lakhs
13 amount? B
14 Scheme code for opening a loan against deposit account? A LADEP LNSEC LNDEP LASEC LAADEP
15 Menu used for reversal of proxy transactions? B HPPT SPTM HSPTM PPT HTM
Which of the following menu is used in Finacle to upload the text
LAS2FIN L2F LASTOFIN LASLOAN FINLOAN
16 file generated from LAS for Loan account opening A
17 What is menu for creation of Collateral in Finacle A HCLM HSCLM HACLM HMCLM None of the above
18 What is the menu for Collateral Register Look up A HCLL HCLM HSCLM STKSTMT None of the above
19 What is the menu for updating CERSAI details in Finacle A CERDET CERUPD UPDCER UPDATE None of the above

Which menu is used for crediting OTS amount in labelled Accounts NPATM OTSTM TMOTS TMNPA None of the above
20 B
 We can
We can generate generate list of
We can generate NPA List of all NPA
Which among the following is correct for NPARPT menu Consolidated Dummy system All the above
Pass Sheet Printing accounts
Ledger report generated NPA
21 E Accounts
Modify option
Generate report to
Add option for for issue of
Mapping BARCODE with Printing of SB have details of
HPBPCUST menu - which of the following option is NOT CORRECT first time continuation
SB account Passbook account and
mapping PB or change
Barcode attached
22 B of barcode

Second level Verification For NEFT For RTGS

First level First level
of high value RTGS. transaction of transaction of
HRTGSV menu - which of the following option is NOT CORRECT Verification of high Verification of
First level is done more than Rs.5 more than Rs.10
value RTGS high value NEFT
through HPORDM menu. lakhs lakhs
23 A

Amount held in sundry accounts older than 2 years can be reversed

TM SUSPTM REFSUN HTM SUNREF
only after getting permission using menu?
24 E
What is the menu for generation of List of Pending Stock
STKSTMT STOCKSTM PENDSTK STFPEND None of the above
25 Statements A
An offsite ATM should be at a distance of more than
26 …………………………... from branch/office. D 400 metres 100 metres 200 metres 500 metres 1000 metres

27 Debit card Rewardz points are valid for a period of C 6 months 12 months 24 months 36 months 48 months

NFC(Near Field Ultraviolet Combination of all

28 VISA Paywave debit card works on __________technology. B RFID Communication) wave Microwave of the above

Cash Withdrawals are not permitted under A Corporate Credit Card RUPAY Platinum RUPAY Select VISA Signature Combo Card
29
30 What is menu for Internet Banking registration in Finacle? B REGINT MOBREG INTREG INTERNET INTSTMT
Transaction limit without registration of beneficiary in Umobile is
31 Rs……………….. C 1000 10000 5000 500 50000
32 Daily Withdrawal limit for signature debit card at ATM is Rs…………. B 50000 100000 75000 25000 150000

Credit card to general public shall be issued only to individuals

whose gross annual income is Rs. …………... lakhs and above.
33 C 1.25 1.5 1.8 2 2.5
Generally, sanctioned limit for the CREDIT card is …………% of the
34 declared annual income duly verified. D 10 50 15 20 100

35 Minimum limit in Usecure credit card is Rs……………. A 15000 10000 20000 25000 50000
Sum insured for personal accidental insurance in VISA Gold Credit
36 card is Rs…………………….. B 200000 500000 250000 100000 1000000
Call centre by Through SMS
37 Hotlisting of Debit Card can be done through __________ E DCBM by Branch U-Mobile by customer Customer by Customer All of the above
National Non
National Credit Mobility National Common Common Commissioned National Certified
38 Full form of NCMC is……… B Card Mobility Card Mobility Credit Mobile Card Mobility Card
Corporate user can use Digital Signature Certificate for transaction
39 above A Rs.2 lakhs Rs.5 lakhs Rs.10 lakhs No limit None of the above
Customer can get balance on mobile by giving misscall at which A 9223008586 9223008485 9223008481 9223008581 9223008484
40 number?
Retail Internet banking user can enable/disable login password ,by
41 sending SMS on mobile no. A 9223008485 9223008586 9223008687 9223008788 None of the above
42 What is All India Toll Free number for call centre? A 1800222244 1800111144 1800222222 1800111111 1800180011
Monthly limit for IMPS transaction using Umobile is
43 Rs………………….lakh D 5 10 15 20 25
Bharat Bill
Bharat Bill Payment
Bill Bharat Pay Payment Synchronisatio Bill Bharat
44 Full form of BBPS is…………………………. C Bharat Bill Pay System Synergy System n Payment System
45 Corporate user includes in internet banking includes E Company Partnership Club Trust All of the above

46 Union Bank has co branded debit card with which of the following ? E LIC BPCL HPCL Option A & B Option A & C
Number of free transaction for classic and platinum debit card at
47 our bank ATM is……………in a month. B 5 8 20 10 4
 Maximum age limit for customer for issuance of Usecure credit
48 card is ………………..Years. D 60 65 68 70 75
Bulk Online Bank
Which of the following facility/facilities is/are available only for Online fund transfer online Fixed deposit transaction/RT Guarantee
49 Corporate User (Internet Banking) E facilities account opening GS/NEFT Application C&D

National National
National Electronic Toll Net Electronic Toll Electronic Toll Electronic Tele
50 Full form of NETC is …...... C Collect Collection Collection Collection None of these