Prerna Sbild Siliguri

PRERNA
Promotion Guide
Promotion Year: 2021-22
State Bank Institute of Learning & Development

Siliguri
HOMELAND BUSINESS CENTER, 3RD MILE, SEVOKE ROAD, SILIGURI-734008
(FOR INTERNAL CIRCULATION ONLY)

Page |0
MESSAGE FROM CHIEF GENERAL MANAGER & HEAD (STU)
"The key to pursuing excellence is to embrace an organic, long-term

learning process, and not to live in a shell of static, safe mediocrity.”
- Josh Waitzkin
Learning, as the saying goes, is the minimum requirement for achieving

success in any field. Our ability and willingness to continuously expand our minds and strive for
lifelong learning is critical to our success in life. The economic distress engendered by the
pandemic also requires upgraded knowledge & skills of all Bankers for effective resolution of
issues and world-class customer service.
To ensure quality and relevant learning, the Strategic Training Unit (STU) of the Bank constantly
updates itself in global best practices and application of latest technologies in the learning process.
A variety of digital initiatives have been originated to enable continuous learning- webinars, e-
panel discussions, digitalized e-RBCs, blended learning and courseware designed in-house for edX
and virtual learning portals- My Quest Today for daily quizzes and Case Study Discussion Board
for experiential learning through case studies.
Our innovative and effective interventions have been acknowledged & appreciated worldwide in
the form of several accolades. Most recently, the Bank has been bestowed with the Brandon Hall
Group Excellence in Technology Awards 2020, in the categories- “Best Advance in Technology
for Crisis Management” for e-RBCs and “Best Advance in Social Learning Technology” for e-
Gyanshala.
I am delighted to present yet another endeavour towards knowledge enrichment of employees

“PRERNA” - a booklet prepared by SBILD Siliguri, which though primarily intended to be a
reference book for promotional examinations, is an equally useful guide for banking knowledge.
I congratulate the Director, SBILD Siliguri and appreciate meticulous and assiduous efforts of
faculties of SBILD Siliguri in compiling and curating the contents. I am confident that “PRERNA”
will inspire the promotion aspirants to excel in their quest for professional success.
With Best Wishes,
M. Jayashree Reddy
CGM & Head (STU)
SBILD SILIGURI PRERNA 1|Page

From the Desk of the CGM, Kolkata Circle
Dear Colleague,
I am delighted to present before you “PRERNA”, E-Booklet

published by SBILD, Siliguri, consisting of study materials for various promotion tests.
The year 2020 has been a unique year for the entire Banking universe. We have
surpassed all challenges and came out victorious in most of the areas during these hard
times.
We are now approaching the promotions season and the time is ripe for the launch of
“PRERNA”, a short & crisp ready handbook, a perfect preparatory guide for all
promotional exams. The contents of the same will also be a source of knowledge for all
of us enabling us to discharge our duties effectively
I, once again congratulate the SBILD team for this wonderful initiative and wishing the
best of luck to all the aspirants in their endeavour
Stay safe &stay healthy,
With regards,
Ranjan Kumar Mishra
Chief General Manager
Kolkata Circle.

From the Desk of the DGM & CDO
Dear Colleagues,
The Human evolution is the stories of aspirations, valour, toils

and growth. Since the time immemorial, we have invented
ourselves to improve upon our present and future.
Growth of Human resources in any organization is essential not only for the
organization but also for individuals to maintain their relevance. Any sincere endeavor
made in the matter always usher in great opportunities and success.
To amply assist all our aspirants for upcoming promotional exercises and for the
enriched experience of learning by all our employees, our SBILD Siliguri has come up
with a highly informative Promotion booklet “PRERNA”.
I have briefly gone through its contents and am very pleased with the nuggets of
information it bestows. I am sanguine that “PRERNA” will inspire the aspirants to take
promotion and prosper in career.
I congratulate our faculty members of Team SBILD Siliguri for their noble initiative in
preparing such a wonderful booklet.
With best wishes and warm regards,
Debadarshi Tripathy
DGM & Circle Development Officer
Kolkata Circle

From Director’s Desk
“Learning is not attained by chance. It must be sought for with ardour

and attended with diligence.” - Abigail Adams
Dear Colleagues,
Promotion improves the ambition of employees and boosts their passion

of reaching their goals as well as the objectives of their organization. This
increase in motivation leads to better productivity and performance that
works in favour of an organization. In times of drastic change, it is the
learners who inherit the future.
It gives me immense pleasure to share that our SBILD Siliguri has come up with an initiative of
launching a new and updated promotional booklet “PRERNA” to guide the aspirants for upcoming
promotional exercise.
Our Team SBILD Siliguri has made all sincere efforts to cover all important and relevant topics.
It would enable the readers to acquire updated, exhaustive and comprehensive knowledge of the
topics. I am confident that this promotional booklet would be extremely beneficial to all
promotional aspirants.
I, take this opportunity to thank Madam M Jayashree Reddy, CGM & Head, STU and the all
members of Team STU for full support, encouragement & motivation in all our endeavours. I
would like to thank Shri Ranjan Kumar Mishra, CGM of our Kolkata Circle for his encouragement,
support & motivation as always. I would also like to thank Shri Debadarshi Tripathy, DGM &
CDO of our Kolkata Circle for his support, motivation & valuable suggestions. I would like to
place my gratitude to Shri Suman Bakshi, AGM (L&D), Kolkata Circle and Shri Saurav Ghosh,
AGM(HR), Kolkata circle & along with their team members for their support and guidance. My
heartfelt appreciation & compliments to our faculty members Smt Smriti Sinha, Shri Subrata
Tarafdar & Shri Nikhil Kumar for all the efforts put by them in designing the booklet in such a
way that it would be tremendously beneficial to every aspirant and employee in whole ,by
providing updated contents from different strata of banking .
I also extend my best wishes to all the promotional aspirants to develop and acquire new and better
forms of knowledge to apply to their work and succeed in their endeavors by making best use of
this booklet.
Vikash Lama
AGM & Director
SBILD, Siliguri

CONTENTS
Sl No. Topics Page

1 Promotion Exam Schedule for 2021-22 6
2 Written Test – Syllabus & Question Pattern 7
3 KYC, AML, CFT, FATCA & CRS 14
4 Laws Relevant to Banking 27
5 Customer service, Complaint Management, Banking 35
Ombudsman & BCSBI
6 Cash Department Procedure & Currency Chest 41
7 Digital Products 53
8 CBS & Information System Security 64
9 TDS 73
10 Liability Products including Govt scheme 78
11 Loan Policy Guidelines 96
12 Home Loans 100
13 Auto Loans 108
14 Education Loans 121
15 Personal Loans 128
16 SME General 140
17 SME Asset Products 148
18 Agri Segment Asset products 161
19 NPA Management 166

PROMOTION YEAR 2021-22
SCHEDULE OF EXAMINATIONS
PROMOTION EXERCISE EXAMINATION DATE SESSION
A. General Cadre
Clerical to JMGS-I (T.O. 03.01.2021 (Sunday) Afternoon
Channel)
MMGS-II to MMGS-III 09.01.2021 (Saturday) Morning
Clerical to JMGS-I (Merit & 09.01.2021 (Saturday) Afternoon
Seniority Channel)
JMGS-I to MMGS-II 24.01.2021 (Sunday) Afternoon
B. Specialist Cadre
JMGS-I to MMGS-II 24.01.2021 (Sunday) Morning
MMGS-II to MMGS-III 24.01.2021 (Sunday) Morning

SYLLABUS
AND
PATTERN OF
EXAMINATION

TRAINEE OFFICER'S EXAMINATION
Particulars Number Marks
of
Section-I : 120 Questions (120 Minutes)
Questions
General Awareness about Banking Environment, KYC, Legal 20 10
Issues
General Banking, handling of customer grievances and 20 20
Preventive Vigilance (The test will contain passages relating to
practical day-to-day situations in branches/offices, about 10-15
lines with 5 objective questions on each passage to identify
the best option)
Knowledge about products & services of our Bank including 20 20
retail finance, our associates, & subsidiaries and of other
banks. (Focus on USPs of our products & services) and
Financial Inclusion.
Knowledge of CBS and other IT products in use in the Bank 20 15
and IT related security concerns.
Alternate Channel Products 20 10
Latest Financial results, performance indicators of the Bank 20 5
and Productivity & profitability related concerns of the Bank,
Organizational Structure and History.
SECTION: II
(Qualifying marks 50% For General & 45% For SC/STs) – 30 Min
Writing Essay on banking related topics (250 words) 1 Out of 3 20
(For evaluating comprehension skill and communication skill).

TOTAL (Overall qualifying marks 65% For General & 60% 100
For SC/STs): Duration 150 Minutes

OFFICER'S JMGS-I EXAMINATION ( MERIT & SENIORITY CHANNEL)
of
140 Questions (150 Minutes)
Questions
General Banking, KYC, Legal Issues, System & Procedures in 50 25
our Bank
CBS & Computer Awareness, computer security related 20 15
questions
Products & Services of the Bank, Associates & Subsidiaries, 30 15
Other banks, Alternate Channel & IT Products, Financial
Inclusion
Latest Financial results, performance indicators of the Bank 10 5
and productivity & profitability related concerns of the Bank.
Objective type questions on practical problems in general 10 20
banking
General Awareness 10 10
Organizational Structure & Policy guidelines of the Bank 10 10
Total 140 100

OFFICER'S JMGS-I TO MMGS-II EXAMINATION
of
Questions
Product Features- Deposit/ Liability Product 20 10
Product Features- Advances/ Asset Product 20 10
IT Channels, Payment Solutions, Transaction Products etc. 10 5
and questions on other new initiatives
Systems & Procedures in Branches and CPCs (both System 20 10
and Manual), Organizational Structure and questions related
to HR area
Forex/ Treasury/ International Banking 5 2.5
Government Business, Cross Selling Products and Financial 15 7.5
Inclusion
Laws relevant to Banks 15 7.5
Macro-economic environment/ General Awareness 10 5
Pre-sanction/ Post-sanction processes & NPA management in 15 7.5
Loans and advances
English Language Comprehension 20 10
Total 150 75
SBILD SILIGURI PRERNA 10 | P a g e

OFFICER'S MMGS-II TO MMGS-III EXAMINATION
of
Questions
Product Features- Deposit/Liability 15 7.5
Product Features- Advances/Assets 15 7.5
IT Channels, Payment Solutions, Transaction products etc. and 10 5
questions on other new initiatives
Systems and Procedure in branches and CPCs (both System & 20 10
Manual), Organizational Structure and questions related to HR
area
Forex/Treasury/IB 5 2.5
Government Business, Cross Selling Products and Financial 15 7.5

Inclusion
Laws relevant to Banks 15 7.5
Macro- economic Environment/ General Awareness 10 5
Pre sanction / post sanction processes & NPA management in 15 7.5

Loans and Advances
Supervisory Role and Responsibilities 10 5
Data Interpretation 10 5
Total (Duration: 120 minutes) 140 70

DESCRIPTIVE QUESTIONS
Rationale 4 out of 6 8
For & Against 4 out of 6 8
Situational Analysis 2 out of 3 6
Comprehension 1 out of 4 4
Business Correspondence 1 out of 2 4
Total Descriptive (Total duration: 60 minutes) 30

GRAND TOTAL 100

SPECIALIST OFFICER JMGS-I TO MMGS-II & MMGS-II TO MMGS-III
Objective Questions Number Marks
of
Questions
Section -I (Total duration: 90 Minutes)
General Awareness of Banking & Organizational Structure etc 40 20
Technical – related to the area of specialization 40 20
English Language Comprehension 20 10
TOTAL 100 50
DESCRIPTIVE QUESTIONS (Total Duration: 90 minutes)
Rationale (Related to area of specialization) 5 out of 8 30
Short Notes, Situational Analysis related to the area of 2 out of 3 20
specialization
TOTAL 50
GRAND TOTAL 100

OBJECTIVE
TYPE
QUESTIONS

KYC/AML/FATCA/CRS
1. What is the primary objective of the KYC, AML and CFT policy of the bank?
a. To prevent the hackers to get access to our computer system and steal the vital
information.
b. To prevent the Bank from being used, intentionally or unintentionally, by criminal
elements for money laundering or financing of terrorism.
c. To prevent the low value customers from opening accounts which are not at all
beneficial for the banks.
d. All of the above.
2. Which of the following is not one of the stages of money laundering?

a. Layering
b. Integration
c. Placement
d. Phishing
3. Which of the following is INCORRECT with regard to criteria for acceptance of

customers as laid down in Customer Acceptance policy?
a. No account is to be opened in anonymous or fictitious / benami name(s).
b. No account is to be opened where the Bank is unable to apply appropriate customer
due diligence (CDD) measures.
c. Identification and verification the customer and the beneficial owner is not required, if
customer is reluctant to provide any documents in support thereof.
d. It should be ensured that identity of customer does not match with any person or entity
whose name appears in the sanctions lists circulated by Reserve Bank of India.
4. At the time of account opening, the customer shall submit OVD updated with current
address within a period of ___ if the OVD furnished by the customer does not contain
updated address
a. 30 Days
b. 45 Days
c. 60 Days

d. 90 Days
5. Which of the following documents (deemed OVDs for a limited period of 3 months), is
not acceptable to the branches while opening an account, if the officially valid document
(OVD) submitted by the customer does not contain updated address?
a. Utility bill which is not more than two months old of any service provider (electricity,
telephone, post-paid mobile phone, piped gas, water bill)
b. Property or Municipal tax receipt containing current address.
c. Utility bill which is not more than three months old of any service provider (electricity,
telephone, post-paid mobile phone, piped gas, water bill)
d. Letter of allotment of accommodation from employer issued by State or Central
Government Departments, public sector undertakings, scheduled commercial banks,
financial Institutions.
6. The companies which are without having active business operations and/or significant
assets and are normally used to disguise business ownership from Law Enforcement
Agencies are called…….
a. Listed companies
b. One person companies
c. Shell companies
d. Private Limited companies
7. As per PMLA, Banks are required to report all cross border transfer transactions of
value of more than ………………
a. Rs.10,00,000/- or its equivalent in foreign currency
b. Rs.5,00,000/- or its equivalent in foreign currency
c. Rs.15,00,000/- or its equivalent in foreign currency
d. None of these
8. Which of the following is categorised as High Risk Customers?

a. Stock Brokers
b. Telemarketers

c. Non face- to-face Customers
d. Auctioneers
9. RBI has specified Know Your Customer (KYC) standards to be followed by banks and
measures to be taken in regard to _____ and _____?
a. Anti-Money Laundering (AML)
b. Combating of Financing of Terrorism (CFT).
c. Both a & b
d. None of the above
10. Which among the following need to submit PAN mandatorily where Form-60 in lieu of
PAN is not acceptable as a part of customer due diligence procedure?
I. Companies ii. Partnership firms iii. Trusts
a. Only i
b. Only ii
c. Both (i) and (ii)
d. Both (I) and (iii)
11. For opening an account in respect of HUF, which of the following is incorrect with
regard to obtaining of documents?
a. Registered HUF deed
b. Prescribed Joint Hindu Family Letter signed by all the adult coparceners.
c. PAN OR Form 60 of the HUF
d. Declaration from the Karta
12. What type of account can be opened for Foreign Students Studying in India?
a. Non- Resident External (NRE)
b. Non- Resident Ordinary (NRO)
c. Resident Foreign Currency (RFC)
d. Resident Saving Bank Account

13. What are the periodicity of risk grade updating in respect of Low, Medium and High
risk customers?
a. 2 years / 8 years / 10 years
b. 8 years / 10 years / 2 years
c. 2 years / 10 years / 8 years
d. 10 years / 8 years / 2 years
14. What are the circumstances where the banks may impose partial freezing of accounts
by restricting debits in the account through all channels?
a. Accounts opened with Deemed OVD, but updated OVD is not provided within 3 months.
b. Small Accounts where OVD is not provided within a period of 24 months.
c. Accounts where KYC updation is overdue or the accounts found KYC non-compliant
on re-examination/audit/inspection.
d. All of the above
15. As a Risk Management measures, the banks are required to categorise all individual
and non-individual customers as Low, Medium and High Risk based on certain
parameters as stipulated in KYC policy. Which of the following is not a parameter based
on which risk categorisations are carried out?
a. Customer’s identity
b. Age of the customer
c. Nature of business activity
d. Social / financial status
16. Banks are required to maintain all necessary records of transactions between the
bank and the customer, both domestic and international, for at least ………………. years
from the date of transaction.
a. Ten
b. Five
c. Two
d. Three

17. Who is authorised to act as repository for KYC related information and to perform the
functions of CKYCR?
a. CERSAI
b. SARFAESI
c. NSDL
d. CSDL
18. A customer wants to open an account for which he produced Driving license with
address which is different from the current address. He does not have any other OVDs in
support of current address. What would be the most appropriate response of the official
concerned?
a. The account shall not be opened without obtaining OVD evidencing current address.
b. The customer will be asked to submit Utility bill such as electricity, telephone, post-paid
mobile phone, piped gas, water bill, which is not more than two months old. Provided that
the customer shall submit OVD updated with current address within a period of three
months of submitting the above utility bill.
c. The customer shall be asked to open a Small account with transactions limitations.
19. What is the cut off limit of balances in respect of new accounts opened on or after
01.07.2014 to be eligible for reporting under FATCA?
a. Account balance or value exceeds USD 50,000.
b. Account balance or value exceeds USD 1,00,000.
c. Account balance or value exceeds USD 2,50,000.
d. Account balance or value exceeds USD 10,00,000
20. Who is the designated “Principal Officer” for KYC / AML / CFT matters who shall be
responsible for all reporting / communications with the FIU-IND?
a. Managing Director (R&DB), Corporate Centre
b. Deputy Managing Director (R&DB), Corporate Centre
c. General Manager (AML/CFT), Jaipur

21. The offence of money laundering is defined under ___ of the Prevention of Money
Laundering Act, 2002 (PMLA)

a. Section 9
b. Section 7
c. Section 3
d. Section 5
22. Bank is required to file the electronic copy of the Customer’s KYC records/data
with Central KYC Records registry (CKYCR) within

a. 5 days after the commencement of an account-based relationship with a customer.
b. 3 days after the customer activates his ATM Card or any channel (other than branch)
c. 3 days after customer requests for opening of account.
d. 3 days after the commencement of an account-based relationship with a customer.
23. Full form of CIDR

a. Central Identities Documents Repository
b. Central Identities Data Repository
c. Central Identification Documents Repository
d. Central Identification Data Repository
24. The correct sequence of stages of money laundering is?
a. Placement; Integration; Layering
b. Integration; Layering; Placement
c. Layering; Integration; Placement

25. If a customer abandons/aborts the transaction on being asked to give some details or
to provide documents, such attempted transactions should be reported in STRs. What is
the threshold for reporting?
a. Rs 10 lacs
b. Rs 50000/-
c. Irrespective of Amount
d. Rs 20 lacs and above
26. Non-Bank Financial Institution are categorized under ___________ risk customers
a. High
b. Medium
c. Low
d. As per turn over
27. Punishment for offence of money laundering is
a. not less than 3 years but extendable up to 7 years
b. not less than 5 years but extendable up to 9 years
c. not less than 5 years but extendable up to 7 years
d. not less than 3 years but extendable up to 5 years

28. Maximum penalty in addition to punishment for committing a Money Laundering Act
is
a. Rs 15 lacs
b. Rs 20 lacs
c. Rs 100 lacs
d. No ceiling
29. For the purpose of verifying the identity of customers at the time of commencement
of an account-based relationship, banks/ FIs may rely on a third party. The ultimate
responsibility rest with
a. Bank/FI
b. Third party
c. Customer
d. All a , b and c
30. Records pertaining to the identification of the customers and their address obtained
while opening the account and during the course of business relationship are properly
preservedfor at least five years after the ____________ under Rule 10 of the PML Rules
a. Business relationship is ended
b. Opening of the account
c. Renewal of KYC
d. All a, b and c

31. An account reportable to a country or territory outside India other than US is termed
as
a) FATCA
b) Other Reportable Account (CRS)
c) Non-Reportable Account
d) None of the above
32. KYC compliance and fraud prevention day observes on
a) 1st Aug
b) 1st Oct
c) 1st Dec
d) 1ST Sept
33. Observance of AML – CFT Day is on
a) 2nd October
b) 2nd July
c) 2nd May
d) 2nd November
34. Under FATCA, what is a FFI
a) Foreign Financial Institutions
b) Foreign Financial Intermediary

c) Financial Funding Institutions
d) Financial Funding Intermediary
35. The student who is pursuing foreign education should submit valid address proof
within __ days of opening the account
a) 7 days
b) 10 days
c) 30 days
d) 90 days
36. Beneficial Owner means
a) an individual who ultimately owns or controls a client of a reporting entity
b) the person on whose behalf a transaction is being conducted
c) a person who exercises ultimate effective control over a juridical person.
d) All the above
37. What is UCIC
a) Unique Customer Identity Code
b) Universal Customer Identification Code
c) Unique Customer Identification Code
d) Unique Customised Identification Code
38. Partial freeze to be imposed after_____, by allowing all credits but disallowing all
debits, if the account remains KYC noncompliant.

a) Six months from date of first notice
b) three months from date of reminder notice
c) three months from date of first notice
d) One month from date of first notice
39. Anti-money laundering guidelines for Private Banking are given by
a) Financial Action Task Force
b) The Wolfsberg Group
c) United Nations
d) BASEL committee
40. A Shell company is
a. A company in a foreign country
b. A company in a shell
c. A company that exist on paper only and has no physical existence
d. An offshore Company
41. Enhanced Due Diligence is NOT required in case of
a) Accounts of Non-Face-To-Face Customers
b) Foreign Portfolio Investors
c) Client Accounts Opened by Professional Intermediaries
d) Accounts of Politically Exposed Persons

42. Review of risk categorization of customer should be done periodically not less than
____________ in six months
a. Once
b. Twice
c. As and when required
d. All a, b and c are incorrect
43. What is TBML?
a) Trade Based Money Laundering
b) Transaction Based Money Laundering
c) Terror Based Money Laundering
44. Bullion dealers / jewellers are categorized under
a. High risk
b. Very High risk
c. Low risk
d. Medium risk
45. Cash Transaction Report to FIU-IND must be submitted
a. Fortnightly
b. As when there is a transaction
c. Quarterly
d. Monthly

ANSWER KEY KYC/AML/FATCA/CRS
1 b 11 c 21 c 31 b 41 b
2 d 12 b 22 d 32 a 42 a
3 c 13 d 23 b 33 d 43 a
4 d 14 d 24 d 34 a 44 a
5 c 15 b 25 c 35 c 45 d
6 c 16 b 26 b 36 d
7 b 17 a 27 a 37 b
8 c 18 b 28 d 38 c
9 c 19 c 29 a 39 b
10 c 20 c 30 a 40 c

LAWS RELEVANT TO BANKING
1. Under SARFAESI Act, which of the following is not correct?
a) The account should have become NPA on the date of Notice
b) The claim amount should be an amount not less than Rs.1.00 lac
c) The amount due including interest is more than 10% of the principal amount.
d) The documents relating the securities in respect of the loan should be within the period
of limitation.
2. Certified copy of the will is called _______
a) Certificate of Succession
b) Letter of administration
c) Liquidator
d) Probate
3. Sec _____ of NI Act, binds the bank to honour the cheques, when presented, if
otherwise in order, and if there is sufficient balance in the Account.
a) 28
b) 31
c)128
d) 131
4. Lok Adalat has been defined in ______ act.
a) Indian Contract Act, 1872

b) Sale of Goods Act
c) Legal Services Authorities Act, 1987
d) Commercial Act
5. Limitation period for a mortgage suit is _____ Years.
a) 3
b) 12
c)13
d) 30
6. Paying bank gets protection on payment of crossed cheques u/s _____ of NI act by
ensuring that the payment is made in due course.
a) 130
b) 128
c)131
d) 138
7. Which of the following is not a Negotiable Instrument?
a) Demand Draft
b) Cheque
c)Term Deposit
d) Bill of exchange

8. Minimum and Maximum number of partners in a Limited Liability Partnership firm
are_____
a) 2 & 10
b) 2 & 20
c)2 & 50
d) 2 & No maximum.
9. Minimum and Maximum number of partners in a Banking Partnership firm are_____
a) 2 & 10
b) 2 & 20
c)2 & 50
d) 2 & No maximum
10. A partnership where its duration is fixed and cannot be dissolved by any partner at
his will, is known as __________ .
a) Particular partnership
b) General partnership
c) Partnership for fixed period
d) Partnership at will.
11. Minimum no. of Directors in case of a public limited company is _____________
a) 1
b) 2

c) 4
d) 3
12. Under the provision of SARFAESI Act 2002, what is meant by enforcement of security
interest:
a) sale of assets of the borrowing party by the bank
b) sale of charged assets by the secured creditor through DRT
c) sale of charged assets by the secured creditor without court intervention
d) getting bank's charge registered with Central Registry
13. Under the provision of SARFAESI Act 2002, where a transaction of securitisation is
registered:
a) Registrar of Companies
b) Registrar of Assurances
c) Registrar of Firms
d) Registrar of Central Registry
14.The Central Electronic Registry (CERSAI) has been established by the Central
Government under Section 20(1) of _____
a) SARFAESI Act 2002
b) RBI Act
c) CERSAI Act 2002
d) B R Act

15. A person will be declared as legally dead, if for a period of …………. years or more
from the date of his / her being reported missing.
a) 12 yrs
b) 7 yrs
c) 5 yrs
d) 3 yrs
16. In the case of dishonour of cheque due to insufficiency of funds, the punishment to
the drawer under Section 138 of N.I. Act is_____________
a) Twice the amount of cheque
b ) O n e - y e a r imprisonment
c) Twice the amount of cheque or one-year imprisonment
d) Twice the amount of cheque or two years imprisonment or both
17. Inchoate Negotiable Instrument means
a) Stale Instrument
b) Incomplete instrument
c) Fake instrument
d) Lost Instrument
18. Nomination facility for safe deposit lockers is as per Sec…….of Banking Regulation
Act 1949
a) Sec 45ZA

b) Sec 45ZB
c) Sec 45ZE
d) Sec 45 ZD
19. Charges to be filed with the Registrar of companies within ___ days from the date of
creation without penalty.
a) 30 Days
b) 90 Days
c) 180 Days
d) 1 Year
20. The Relationship between Banker and Locker hirer in case of locker is ______
a) Debtor – Creditor
b) Licensor – Licensee
c) Bailor – Bailee
d) Principal –Agent
21. Under RTI Act, a CPIO to dispose the application in _____ days from the date of
receipt of the application.
a) 7
b) 15
c) 30
d) 35

22. The exemptions from disclosure of information available in terms of Section 8 of RTI
Act are____________.
a) Personal Information
b) Commercial Confidence
c) Information which would impede the investigation/prosecution
d) All the above
23. Under Consumer Protection Act, 1986 a claim of Rs. 50.00 Lakhs is to be filed at
a) District Forum
b) State Forum
c) National Forum
d) Supreme Court
24. Under Consumer Protection Act, 1986 An appeal can be made with the state
commission against the order of the district forum within ____ days of the order which is
extendable for further ____ days.
a) 15, 30
b) 30, 30
c) 30, 15
d) 15, 15
25. The number of parties in Bill of Exchange are ______________
a) 1

b) 2
c) 3
d) 4
ANSWER KEY LAWS RELEVANT TO BANKING
1 c 6 b 11 c 16 d 21 c
2 d 7 c 12 c 17 b 22 d
3 b 8 d 13 d 18 c 23 b
4 c 9 a 14 a 19 a 24 c
5 b 10 c 15 b 20 b 25 c

CUSTOMER SERVICE / BANKING OMBUDSMAN / BCSBI
1. The Banking Ombudsman is appointed by ________.
a) Govt. of India
b) Ministry of Finance
c) RBI
d) IBA
2. The Banking Ombudsman may award compensation not exceeding ₹ ___ lakhs to the
complainant for mental agony and harassment.
a) 1
b) 10
c) 20
d) 25
3. BCSBI has in collaboration with the Indian Banks' Association (IBA), evolved ________
codes
a) Code of Bank’s Commitment to Customers
b) Code of Bank’s Commitment to Micro and Small Enterprises
c) Both a & b
d) None of the above.

4. Membership of BCSBI is ______________
a) Mandatory
b) Voluntary
c) Only for Public Sector Banks
d) Only for Private Banks.
5. One can file the appeal against the award or decision of the Banking Ombudsman
rejecting the complaint within ___ days of the date of receipt of the Award.
a) 7
b) 15
c) 21
d) 30
6. An award passed by Banking Ombudsman shall lapse unless the complainant

furnishes to the bank concerned within a period of ….......... days from the date of receipt
of copy of the Award, a letter of acceptance of the Award in full and final settlement of his
claim. Which of the following is/are correct?
a) 15
b) 30
c) 45
d) 60

7. Internal Ombudsman should not be over ….... years of age
a) 60
b) 65
c) 70
d) 75
8. Internal Ombudsman should report to …..........?
a) Banking ombudsman
b) Reserve Bank of India
c) Managing Director / Executive Director of the Bank handling customer grievances
d) The Chairman of the Bank
9. An Investigating Officer who is investigating staff misbehaviour case should follow

….....
a) First He should meet the complainant
b) First he should listen to the staff members
c) First he should observe CCTV footage
d) Any one of the above as per his convenience
10. Complaint Management system was first introduced in SBI in …............ as tool to
resolve complaints relating to the large number of ATM disputes within the period
stipulated by RBI.
a) March. 2003

b) December 2009
c) September 2015
d) June 2016
11. Any person aggrieved by an order made by the State Consumer Redressal
Commission may prefer an appeal to the National Commission within a period of …....
days from the date of the order
a) 15
b) 30
c) 45
d) 60
12. Under Customer Protection Act, if District Commission has asked the party to pay any
amount and the party decides to go for an appeal, the party will have to deposit ….........
in the State Commission.
a) 10% of the amount
b) 20% of the amount
c) 30% of the amount
d) 50% of the amount
13. Exclusive of the amount involved in the dispute, what is the maximum amount of
compensation that can be awarded by a Banking Ombudsman, which could be more than
the actual loss suffered by the complainant, as a direct consequence of the act of
omission or commission of the Bank.

a) An amount not exceeding rupees 0.1 million
b) An amount not exceeding rupees 2 million
c) No such maximum limit
d) No such provision under the scheme
14. Internal Ombudsman Scheme has come in to existence on the advice of
a) Banking Ombudsman
b) Human Rights Commission
c) Government of India
d) Reserve Bank of India
Which of the following is not the concept behind implementation of Internal Ombudsman
mechanism?
a) to strengthen the internal grievance redressal system of banks
b) to replace the Banking Ombudsman Scheme
c) to ensure that the complaints of the customers are redressed at the level of the bank
itself
d) to minimize the need for the customers to approach other for a for redressal
16. Who among the following have the right to seek information as per the Right to
Information Act, 2005?
a) All citizens of India
b) Any Indian Company

c) Any Indian association
d) All of the above
ANSWER KEY CUSTOMER SERVICE / BANKING OMBUDSMAN / BCSBI
1 c 6 b 11 b 16 a
2 a 7 c 12 d
3 c 8 c 13 b
4 b 9 c 14 d
5 d 10 b 15 b

CASH DEPARTMENT PROCEDURE / CURRENCY CHEST
1. Can the note packets received from customers be utilised for payment?
a) Only the notes with denomination of Rs.2000/- or more are to be processed through
the note sorting machine before reissuing to the customer.
b) The note packets received from customers cannot be used for making payments.
c) Only the notes with denomination of Rs.500/- or more are to be processed through the
note sorting machine before reissuing to the customer.
d) Notes with denomination of Rs.100/- or more are to be processed through the note
sorting machine before reissuing to the customer.
2.Of what denomination note should be recounted by Cash Officer?
a) 100 and above
b) 200 and above
c) 500 and above
d) Only 2000
3.Currency Chest is the property of __________ .
a) CC, Mumbai
b) RBI
c) Bank
d) Branch

4.Which of the following to be kept in the strong room in the joint custody of the Cash
Officer and an authorized Supervising Official who will be an official not below the rank of
an Accountant
a) Cash
b) Small coin depot balances
c) Currency Chest
d) All the above
5.If any defective or forged note or shortage is detected in any packet ______ .
a) Collection from all the staff members should be done to make good the shortage
b) Cash Officer / Special Assistant will arrange to recover the amount of shortage from
the concerned employee / official, who is responsible for the said deficiency
c) Special suspense account to be debited and staff responsible is warned
d) Charges account to be debited
6.The number of transactions allowed in a Currency Chest per day is
a) Any number of withdrawals and deposits
b) One withdrawal in the morning and one deposit in the evening
c) One withdrawal and unlimited deposits in a day
d) Unlimited withdrawals and one deposit in a day
7.Excess cash found in the cash balance of a SWO has to be credited to
a) Suspense account

b) Charges account
c) Sundry Deposit account
d) Commission account
8.If cash packet slip is not signed by any official and kept in currency chest, who will be
held responsible for any discrepancy in it?
a) All SWOs equally
b) Cash officer
c) Service Manager
d) Both joint custodians
9.At the end of the day, when you are trying to report the Currency Chest transactions
through ICCOMS, you find that the software is not working. What shall you do if it doesn’t
start working?
a) I will fax the report and shall obtain telephonic confirmation that it has been received.
b) I will submit the report next day.
c) If the report is not sent for such technical reason, it is acceptable.
d) I will add the transaction to the next day and shall submit clubbed report.
10.In branch cash handling (IBCH) is applicable to
a) Only currency chest branches
b) Only non-currency chest branches
c) All Branches

d) All Rural/Semi-urban Branches
11.Charges towards police escorts, transport etc. for chest to chest remittances of
treasure is……….?
a) Borne by Bank
b) Paid by RBI
c) Paid initially by Bank, then reimbursed by RBI
d) Borne jointly by Bank and RBI
12.In respect of soiled notes bundles prepared for remittance to RBI, who is/are
responsible for Quality & Quantity of notes in the bundle ?
a) Person preparing the bundle
b) Cash-in-charge
c) Accountant
d) Joint Custodian
13.The number of transactions allowed in a Currency Chest per day is…………
a) Any number of withdrawals and deposits
b) One withdrawal in the morning and one deposit in the evening
c) One withdrawal and unlimited deposits in a day
d) Unlimited withdrawals and one deposit in a day

14.The …………………… will satisfy himself each evening that the Joint Custody' balance
corresponds exactly with the entries in the Cash Balance Book.
a) Cash Officer
b) Joint Custodian
c) Authorised officer
d) Branch Manager
15.The details of all un-current coin. i.e. defaced, light-weight and defective coins and
other coins withdrawn from circulation, which are included in the Bank Cash Balance will
be entered in the ……………… under the various categories.
a) Vault register
b) Small coin Vault register
c) Cash officer jotting book
d) Un-current Coins Register
16.Before dispatching remittances, Branch Managers will give timely notice to the
……………… and must see that all remittances are promptly ………………………. by
them.
a) RBI; arranged
b) consignees; acknowledged
c) consignees; arranged
d) RBI; acknowledged

17.All boxes must be weighed in the presence of the Cash Officer or any other
……………… before dispatch and the weights recorded on the invoice.
a) clerical staff
b) RBI official
c) Potdar
d) supervising official
18.RBI has a scheme of incentives & penalties for banks in regard to clean note policy. It
is known as………….
a) Clean Note Distribution & Exchange Scheme
b) Currency Distribution & Exchange Scheme
c) Currency Distribution & Inward Scheme
d) No such scheme
19.The upper limit for a currency transfer is ___________ .
a) 1 cr
b) 10 cr
c) 50 lac
d) No limit
20.The whole process of indenting notes and coins should be completed well in time and
the consolidated indent should reach the Issue Dept of RBI Latest by?
a) 20th March

b) month end of March
c) month end of February
d) 20th February
21. A new officer reported at the branch around 11:30 AM and after the normal interaction
with Branch Manager he was introduced to the entire branch. At 12:30 Branch Manager
by way of officer order assigned him duties of Cash Officer and instructed him to take
charge from the existing Cash Officer. When the change of cash officer to be done?
a) The change of Cash Officer should be done after the completion of day’s work.
b) Anytime During the day
c) Preferably on weekend
d) All of the above are correct
22. You have recently assumed the charge as Cash in Charge of the branch. While taking
over the charge you had not verified the strong room thoroughly. When you verified the
strong room, you found that a file containing safe deposit receipt of the duplicate keys of
the Branch has been kept in strong room. What should you do?
a) As safe deposit receipt is very important item, I would keep it securely in strong room.
b) I would give the safe deposit receipt to the Branch Manager, as it is to be kept in Branch
Manager’s safe and not in strong room
c) As safe deposit receipt is very important item, I would keep it securely in my safe
outside the strong room.
d) As safe deposit receipt is very important item, I would keep it securely in a “Fire
Resistant” safe outside the strong room.

23. Sumana is an assistant working in cash section. She was asked by Cash Officer to
maintain petty cash in a box. One day while making payment from petty cash, Sumana
observed that there was a shortage of Rs.500/-. When she informed this to cash officer,
she was told to make good the shortage. Is the stand taken by the Cash Officer in order?
a) The stand taken by Cash Officer is in order as she was in charge of petty cash.
b) Petty cash is the sole responsibility of Cash Officer and therefore, Sumana should not
be held responsible.
c) Both Cash Officer and Sumana are jointly responsible.
d) Both the joint custodians are responsible.
24. ……… has/have also to maintain a register for all AMC pertaining to cash department
like, Note Counting Machine, Dual Display Machine etc.
a) Joint Custodian
b) Service Manager
c) Cash Officer
d) Branch Manager
25. Burglar alarm system with passive infrared / vibration sensors have been installed in
the branches to generate alarm in case of a
a) Regular situation during day and night
b) Emergency situations during day and night
c) Regular intervals to ward of miscreants during day and night
d) Emergency situations during night

26. Currency Administration Cells (CAC) which are linked to Currency Chest branches on
one hand and ………….
a) A set of Cash Balance Branches on the other hand
b) A set of Hand Balance Branches on the other hand.
c) A set of Hub Branches on the other hand
d) Both a and b above
27. Who is responsible for activity of indent for cash replenishment at Hand Balance
Branch?
a) Cash In charge of Hand Balance Branch
b) Branch Manager of Hand Balance Branch
c) Joint Custodian of the Hand Balance Branch
28. It is responsibility of …………… to properly arrange the cash boxes in the van as well
as chain them to the body of the van during cash remittance.
a) Guard
b) Driver
c) Mobile Messenger
29.The sanction of cash retention limit of every branch is based on _________.
a) the comfort level of Cash in charge of the concerned branch

b) the proposal for cash retention limit sent by branch as advised by cash in charge
c) the average of cash receipts and cash payments at the branch
30. Who is responsible for the transit insurance in CAC?
a) Manager (CAC)
b) Dy Manager (Transportation)
c) Linked Currency Chest Branch Cash officer
d) Linked Currency Chest Branch Manager
31. Who is responsible for proper maintenance of cash van including security system,
vehicle documents and Log Book and ensure their availability at all times?
a) Manager CAC
b) Dy Manager (Transportation)
c) Mobile Cashier
d) Driver of cash van
32. What is the main objective behind introducing the CAC?
a) to introduce a cell where non chest branches can divert their customers with complaints
b) to introduce a cell which can handle cash deptt. related work of a currency chest
c) for efficient management of cash in order to avoid excess cash holding at the hand
balance branches over their approved cash retention limit

33.Which of the following is not the qualitative Key Performance Indicators of CAC?
a) Accurate and informative compilation of monthly optimization results to be submitted

to the Zonal Office
b) Timely and efficient maintenance of all chests within the cell’s control
c) Percentage of times reporting of chest balances to FSLO is performed within stipulated

time
d) Both b and c above
34. Siliguri CAC is not able to send reports of its chest balances to FSLO many times
during month. This CAC is able to send its chest balances report to FSLO only 20 % times
during the month, how you rate its performance?
a) Excellent performance
b) Good performance
c) Poor performance
d) Don’t know
35.At non chest branches, the cash safe must be embedded from ______ sides with RCC
work at the prescribed diameter concrete work.
a) 3 sides
b) 4 sides
c) 5 sides
d) No such instructions

ANSWER KEY CASH DEPARTMENT PROCEDURE / CURRENCY CHEST
1 d 11 c 21 a 31 b
2 c 12 a 22 b 32 c
3 b 13 a 23 b 33 d
4 d 14 b 24 c 34 c
5 b 15 d 25 b 35 c
6 a 16 b 26 b
7 c 17 d 27 c
8 b 18 b 28 c
9 a 19 d 29 c
10 c 20 d 30 a

DIGITAL PRODUCTS/ BANKING
1. Who may be our YONO-Target Customers?
a) Individuals not having a bank account but prefer to do cashless transactions.
b) Individuals having a bank account but prefer to do cash transactions and are not
actively using the alternate channels.
c) Both A & B
d) Only A
2. Which among the following is incorrect regarding pre-requisite for login in to YONO
app?
a) Operating system requirement for Android devices (mobile/tablet) - Android version 5.0
and above
b) Operating system requirement for Apple devices (mobile/ipad) - iOS8.0 and above
c)The mobile/tablet (Android/Apple) devices should have OS based locking mechanism

(passcode, pattern lock, biometric verification)
d) Internet connection: Cellular (1G/2G) or Wireless (0.5 Mbps )
3. On YONO app and portal, what is the maximum amount for a Tax Saver fixed deposit
can be opened?
a) INR 1,00,000 lakhs in a financial year
b) INR 1,50,000 lakhs in a financial year
c) INR 150000 and INR 200,000 for senior citizens
d) INR 150000 and INR 500,000 for senior citizens
4. On Yono app and portal, what is tenure applicable to Tax Saver fixed deposit?
a) 3 years to 5 years
b) 5 years to 7 years

c) 5 years to 10 years
d) More than 10 years
5. On Yono app and portal, which detail of the My Dream cannot be viewed?On Yono
app and portal, which detail of the My Dream cannot be viewed?
a) Dream Name
b) Dream Period
c) Dream amount
d) Dream Image if not uploaded
6. Spend Analyzer in YONO is "Analysis and graphical representation of spending pattern

of the customers in ….................. account for a Particular period.
a) Transaction accounts (SB, Current, OD)
b) Term Deposit
c) Recurring deposit
d) All of the above
7. The POI and POA copies, duly signed by customer and verified by the authorized Bank
officials needs to be scanned with image resolution = _______ and to be saved as JPEG
image only. (file extension should be .jpg or .jpeg). The CKYC specifications i.e., file size
<135kb for images should be considered while scanning the documents, in case of
opening of accounts through YONO
a) 50 dpi
b) 100 dpi
c) 150 dpi
d) 250 dpi

8. Under e-DAC workflow who are the users in DAC?
a) Senior Assistant in the Archival Unit (AU)
b) In-charge Management Unit (MU)
c) Both
d) None of the above.
9. All documents stored in DMS can be retrieved with the help of an identifier. What are
those?
a. Account no. only
b. CIF Only
c. Mobile no. only
d. Account Number, CIF number or any other parameter marked at the time of uploading
10. The Checker for DMS requests is the one official with CBS capability level ------- in
the operating units.
a. 7
b. 9
c. 5
d. 11
11. What is the maximum amount of loan and repayment tenure in PAXC under YONO?
a. Rs.2.00 lacs and 36 months
b. Rs.3.00 lacs and 48 months
c. Rs.5.00 lacs and 60 months
d. Rs.8.00 lacs and 72 months
12. What are the important features in Yono Krishi?

a. Mandi
b. Mitra.
c. Agri Gold Loan.
d. All of the above
13. Which of the following is not a variant in YONO Krishi Segment of Mandi?
a. Pumpkart
b. BigHaat
c. KISHANeSTORE
d. AgriBegri
14. Which of the following is the variant available in the YONO Krishi Segment of Mitra ?
a. NaPanta
b. Skymetweather
c. Agro Star
d. All the above
15. For which of the following amount customer cannot create Yono Cash request?
a. Rs.18000/-
b. Rs.10000/-
c. Rs.25000/-
d. Rs.15000/-
16. At any point of time customer will be allowed to generate maximum ____ active
transactions for YONO Cash at CSP
a. 2

b. 5
c.10
d. No Such Ceiling
17. Mr. Raghav is an RINB user wanted to Open RD account through Yono Lite. What is
the maximum amount he can open through RD account per day using Easy Pin?
a. Rs.99,99,999/-
b. Rs.10,00,000/-
c. Rs.1,00,000/-
d. No such llimit
18. Which one of the following is not compulsory in registration process of BHIM SBI Pay?
a. Selection of Bank and account number
b. Creation of Virtual Payment Address
c. Creation of 6 digit PIN i.e. App PIN
d. Creation of QR code
19. Which option is not true in BHIM SBI Pay?
a. VPA is one of the Payment Option
b. Account No. & IFSC is one of the Payment Option
c. QR Code is one of the Payment Option
d. MMID is one of the Payment Option
20. With BHIM SBI Pay, you can collect payments as a Merchant or make payments as
a Consumer by simply using the switch from the Menu icon at the top left. What is that
switch?

a. Toggle switch between Consumer and Merchant modes
b. Change switch between Consumer and Merchant modes
c. Tussle switch between Consumer and Merchant modes
d. Option switch between Consumer and Merchant modes
21. What is the maximum transaction limit per day on BHIM SBI Pay?
a. Rs.10000/-
b. Rs.100000/-
c. No such limit
d. Rs.50000/-
22. A customer is having 11 different accounts in different banks. What is the maximum
number of accounts can be mapped in BHIM SBI Pay?
a. 1
b. 5
c. 10
d. No such limit
23. Which of the following does not required for creating UPI Pin in BHIM SBI Pay?
a. Enter the last 6 digits of your Debit Card & expiry date
b. Enter 10-digit mobile no. registered in the account
c. In case of a Maestro card, no need to enter expiry date
d. Separate UPIN must be set for each of the linked accounts
24. Mr. Yolmo purchased recently an iPhone with iOS 9.0. He is trying to download
Google Pay in his Phone. He is not able to download and link the Bank account. He
approached bank for assistance. How you can guide him?

a. Remove G-Pay app and reinstall again
b. Change the phone to Android as G Pay not downloadable in iPhones
c. iOS 10.0 or higher required for iPhone and iPad
d. Some technical problem at Google site
25. What is the maximum transaction limit per day on GOOGLE PAY?
a. Rs.10000/-
b. Rs.100000/-
c. No such limit
d. Rs.50000/-
26. Which one of the following is not an advantage for acquiring Bank to provide POS
machines to its current account business customers?
a. Higher CASA deposits
b. Additional Commission
c. De-cluttering of Branches
d. Increased cost of Transaction
27. A facility which enables the Acquiring Bank to convert the transaction amount (INR)
into the Home currency of the cardholder on the terminal itself at the time of swiping when
a foreign card (card issued by a Foreign Bank outside India) is known as
a. Dynamic Current Conversion
b. Dynamic Currency Convertable
c. Dynamic Country Conversion
d. Dynamic Currency Conversion
28. Full form of Q R Code?

a. Quick Referral Code
b. Quick Response Code
c. Quick Response Copy
d. Quick Referral Copy
29. The merchant needs to have the following to start using Bharat QR-SBI
a. A Smart mobile phone (Presently Android).
b. A data connection (2G, 3G or 4G). and Account with SBI
c. Bharat QR Merchant application installed on Merchant mobile phone.
d. all of above
30. Which one of the following a Bharat QR Merchant need to pay to its Banker?
a. Monthly Rental Fee
b. Merchant Discount Rate
c. One time Installation Fee
d. Commitment Charges
31. What is the maximum per transaction limit for funds transfer using Quick transfer?
a. Rs.25000/- per transaction
b. Rs.15000/- per transaction
c. Rs.5000/- per transaction
d. Rs.10000/- per transaction
32. Number of variants of CINB are _____ .
a. 5

b. 4
c. 3
d. 6
33. Which of the following CINB facility can be enabled through CBS ?
a. Khata Plus
b. Khata
c. Vyapaar
d. Vistaar
34. Which of CINB variant is compatible for Proprietary firms who need only enquiry
rights?
a. Saral
b. Khata Plus
c. Khata
d. Vyapaar
35.Who will do the role mapping for users of branch in CRM?
a. CRM nodal officer
b. Field officer
c. Branch Manager
d. Admin at LHO
36. What is SBI FASTag?
a) An initiative to digitize toll transactions at toll plazas
b) Initiative to collect Toll Tax electronically

c) An effort to curtail Time for payment of Toll Tax at Plaza
d) All options are correct.
37. The Technology that is used in SBI FASTag to read the Tag is
a. QUORUM
b. RFID
c. NETC
d. NPCI
38. SBI FASTag can be recharged online through
a. credit card / debit card
b. Net Banking
c. IMPS
d. ALL OF THE ABOVE
39. In CRM, for Asset products which of the following roles available?
a) Branch Manager (BM)
b) Relationship Manager(RM)
c) Lead Advances (LA)
d) All of these
40. Which is not one of the main functional area envisaged in CRM?
a) Sales
b) Marketing
c) Service
d) Parameter Setting

ANSWER KEY : DIGITAL BANKING
1 c 11 d 21 b 31 d
2 d 12 d 22 d 32 d
3 b 13 a 23 b 33 b
4 c 14 d 24 c 34 c
5 d 15 c 25 b 35 c
6 a 16 a 26 d 36 d
7 c 17 c 27 d 37 d
8 c 18 d 28 b 38 b
9 d 19 d 29 d 39 b
10 b 20 a 30 b 40 b

CBS / COMPUTER SECURITY
1. Active Directory Services (ADS) developed by –
a) Infosys
b) GITC Belapur
c) Microsoft
d) TCS
2. As per our Banks IS Security Policy, which of the following is treated as Security
violation?
a) Connections modems to computers without approval
b) Introducing Virus
c) Bypassing Access control Mechanism
d) All of the above
3. CDC generates a set of reports for each Branch and these are transmitted through
___________ to the LHO reports server
a) HTTP
b) HTTPS
c) FTP
4. Unauthorized intrusion by outsiders into a computer or Network is
a) Phishing

b) Spam
c) Vishing
d) Hacking
5. Full form of BIAK
a) Built-in Authentication Key
b) Botnet InAuthorisation Key
c) Bit In Authentication Key
d) Byte in Authentication Key
6. What is Spam?
a) Data Interception
b) A kind of Cyber Crime
c) Data Theft
d) Irrelevant and unsolicited messages sent/received over internet typically to a large

number of users for the purpose of phishing / spreading malware
7. Information Security is all about ensuring CIA which stands for
a) Criticality; Information & Availability
b) Confidentiality; Integrity & Availability
c) Confidentiality; Integrity & Applicability
d) Confidentiality; Innovation & Availability

8. The Bank has put in place Robust and Agile Information Security (IS) framework in line
with _______
a) Customer requirements
b) Bank’s Convenience
c) For Staff Benefits
d) Business strategy and emerging Risks
9. SBSOC in the context of IS Security stands for
a) State Bank System Operations Centre
b) State Bank Strategic Operations Centre
c) State Bank Security Operations Centre
d) None of these
10. Which of the following does not require to be brought into Active Directory?
a) Desktop
b) PC
c) Windows Server
d) None of these
11. Users should get their desktops formatted/repaired by designated AMC service
providers under supervision of ________________
a) State Bank personnel
b) Controllers

c) Any staff in the Branch
d) Controllers of the AMC personnel
12. Computer Security Day is on_____________
a) 1st Nov
b) 15th Nov
c) 30th May
d) 30th Nov
13. Password should be changed at least once in ___ days or when you ___________
a) 90 days; suspect it has been compromised
b) 30 days; suspect it has been compromised
c) 30 days; suspect it has been compromised which ever is later
d) None of these
14. Email sent from Bank provided email ID is as good as letter on_________
a) Bank’s letter head
b) a personalized Email
c) Mail from Corporate Centre
d) None of these

15. Confidential or secret information should be _________________when transmitted
over email
a) Encrypted or password protected
b) Sent through SMS and Email
c) Always sent by fully sealed hard copy letters
d) Personally, sent through an Official of the Bank
16. By using Digital Signature, ________________ is ensured
a) Acknowledgement of the recipient
b) Bank’s interest alone is protected
c) “Non-Repudiation”
d) Hacking cannot be done
17. Which statement is not true about Information Security?
a) Computer Security is part of Management’s job
b) Report anything Suspicious to your System Administrator
c) Do not ignore unusual computer functioning. It might be a sign of malware.
d) Verify Everything. Verify who the person is on the phone. Verify that the web is real
18. Information Security Department (ISD) is headed in our Bank by
a) Board of Directors
b) CGM & Group CISO

c) DMD (IT)
d) CGM of Circle
19. Cyber Security wing is headed by
a) AGM (CS)
b) GM (CS)
c) DGM (SOC)
d) DGM (CS)
20. In CBS, GLIF stands for
a) General Ledger Interface File
b) General Ledger Internet File
c) General Ledger Intranet File
d) None of these
21. In CBS, GLCC represents
a) General Ledger Confidential Code
b) General Ledger Classification Code
c) General Ledger Confidential Classification
d) None of these
22. Bank Disaster recovery centre is located at
a) Hyderabad

b) Delhi
c) Mumbai
d) Chennai
23. Reports that can be generated by Branches using the Core Banking Menu Options.
a) Front-end Reports
b) Exception Reports
c) Transaction Reports
d) Audit Ad hoc Reports
24. glcntr report is used for reconciliation of ____________ .
a) System Suspense Account
b) Cash
c) ATM
d) Forex General Account
25. ____________report is used for reconciliation of Glif (cash difference) entries .
a) System Suspense Accounts
b) IBTS
c) Glcomp
d) ATM
26.CCDP stands for ______________

a) Centralized Credit Data Processing
b) Credit Confirmation Data Processing
c) Credit Centralized Data Processing
d) None of these
27. IBCH in CBS stands for
a) In-Branch Cash Handling
b) Inter Branch Cash Handling
c) Internet Based Cash Handling
d) None of these
28. LITMAS was developed with an objective to capture ___________ pertaining to SBI
on a single platform.
a) All types of charges account
b) All types of Income account
c) All types of NPA accounts
d) All types of legal cases
29. Any transaction where either debit or credit leg is more than Rs._____ crores,
system will show alert message of High Value transaction to maker and checker.
a) 1
b) 5

c) 10
d) 50
30. What is IoT?
a) Internet of Things
b) Internet on Transmission
c) Internet over Transactions
ANSWER KEY CBS / COMPUTER SECURITY
1 c 11 a 21 b
2 d 12 d 22 d
3 c 13 a 23 a
4 d 14 a 24 a
5 a 15 a 25 c
6 d 16 c 26 a
7 b 17 a 27 a
8 d 18 b 28 d
9 c 19 d 29 a
10 d 20 a 30 a

TDS
1. Upto what amount the TDS on interest on deposits is exempted for other than senior
citizens?
a. Rs 10000/-
b. Rs 20000/-
c. Rs 40000/-
d. Rs 50000/-
2. Upto what amount the TDS on interest on deposits is exempted for senior citizens?
a. Rs 10000/-
b. Rs 20000/-
c. Rs 40000/-
d. Rs 50000/-
3. Upto what amount TDS is exempted in rent payment for entire financial year?
a. Rs 150000/-
b. Rs 180000/-
c. Rs 200000/-
d. Rs 240000/-
4. Under which section of IT Act the TDS on interest on other than securities is
deducted?
a. 194A
b. 194B
c. 194C
d. 194N

5. Under which section of IT Act the TDS on rent paid is deducted?
a. 194A
b. 194B
c. 194C
d. 194I
6. Under which section of IT Act the TDS on payment made to Contractors/ Sub-
Contractors are deducted?
a. 194A
b. 194B
c. 194C
d. 194N
7. Under which section of IT Act the TDS on cash withdrawal in excess of threshold limit
is deducted?
a. 194A
b. 194B
c. 194C
d. 194N
8. TDS on Cash withdrawal in excess of threshold limit was introduced

since_____________ .
a. 30.09.2019
b. 30.11.2019
c. 01.04.2020
d 01.07.2020

9. As per the recent amendment the TDS on cash withdrawal above Rs 20.00 lakh for
account without PAN shall be deducted at ______ %.
a. 1
b. 2
c. 10
d. 20
10. Under section 196 of the Income Tax Act, No deduction of tax shall be made from
any sum payable to ______________ .
a. the Government (Central Govt., State Govt and Union Territories Administrators)
b. the Reserve Bank of India (RBI)
c. a corporation established by or under Central act, exempt from income tax on its
income
d. All of the above
11. Under Section 206AA of the Income Tax Act, the rate of TDS is higher of ______%
or the applicable rate in all cases where valid PAN is not quoted by the recipient
a. 1
b. 2
c. 10
d. 20
12. For customers who makes Cash Withdrawals from Rs. 20,00,001 to Rs. 1 Crore,
what is the rate of tax deduction, if his/ her PAN is available in CBS and who has not
filed Income Tax Return?
a. 1

b. 2
c. 3
d. 5
13. Tax is to be collected at source (TCS) if an authorized dealer receives an amount of

Rs.___________ or more in a FY for remittance out of India under the LRS of RBI from
a buyer.
a. 5 lakh
b. 7 lakh
c. 10 lakh
d. 20 lakh
14. From _________ the TDS process has been centralized and branches have to
process the TDS Transactions which can be processed through source systems.
a. 01.04.2016
b. 01.04.2017
c. 01.04.2018
d. 01.04.2019
15. Notices relating to TDS for any period on or after _______ shall be handled by
________ .
a. 01.04.2016, LHO
b. 01.04.2017, Corporate Center
c. 01.04.2018, Corporate Center
d. 01.04.2019 , RBO

Answer Key for TDS
1 C 2 D 3 D 4 A 5 D
6 C 7 D 8 A 9 D 10 D
11 D 12 C 13 B 14 B 15 B

LIABILITY PRODUCTS
1. Minimum amount of deposit and withdrawal in Savings bank account are
a) Rs 10/- & Rs 50/-
b) Rs 100/- & Rs 100/-
c) Rs 10/- & Rs 100/-
d) None of these
2. In SBI Flexi Deposit scheme, the minimum Deposit per year and at any one
time are
a) Rs 5000/- & Rs 1,000/-
b) Rs 10,000/- & Rs 1,000/-
c) Rs 5000/- & Rs 500/-
d) None of these
3. Min Total relationship value (i.e. SB+MOD) to be maintained for SB Plus account
a) Rs. 1000/-
b) Rs. 3000/-
c) Rs. 10000/-
d) Rs. 25000/-
4. The photograph of the illiterate person on Term Deposit will be renewed after
a) 1 year

b) 2 years
c) 3 years
d) 8 years
5. Bulk Deposit means ___________ .
a) Term Deposit of less than Rs 1.00 Crore
b) Term Deposit of Rs 1.00 Crore and above
c) Term Deposit of Rs 50.00 Lakhs and above
d) None of these
6. Operations in BSBDA-Small account will be stopped if the KYC documents are not
submitted with in
a) 12 months
b) 24 months
c) 6 months
d) None of these
7. In BSBDA-Small account, which of the following is not correct
a) Debit transactions for more than Rs 10,000/- in a month are allowed.
b) The balance at any point of time should not exceed Rs 50,000/-
c) The credit summation in a year should not exceed Rs 1.00 lakh
d) Account will be opened on submission of simplified KYC

8. The amount in an unclaimed deposit will be credited to DEAF (Depositor’s Education
and Awareness Fund), which will be maintained by
a) RBI
b) GOI
c) NABARD
d) None of these
9. Which of the following are correct in case of BSBD Account?
a) BSBD A/c holder is not eligible to open any other SB A/c
b) If opened, such a/c is to be closed within 30 days
c) Customer is to undertake that there is no existing BSBD A/c.
d) All of these
10. Inoperative Account means
a) If there is no debit or credit transactions for over a period of two years
b) If there is no debit or credit transactions induced by customer or third party for over a
period of two years
c) If there are no debit transactions for the last two years
d) None of these
11. In inoperative accounts, the following shall not be entitled
a) Immediate credit of cheques drawn on other branches
b) Immediate credit of cheques drawn on bank branches

c) Immediate credit of foreign currency cheques.
d) All of these
12. The following can open a SB Account
a) Proprietary Firm
b) Partnership
c) PACS
d) Corporate
13. Salary range for the employees eligible for the Salary account variant CSP-Lite is
a) Rs 10000/- - Rs 25,000/-
b) Rs 50000/- - Rs 1,00,000/-
c) Rs 50000/- - Rs 75,000/-
d) Rs 5000/- - Rs 10,000/-
14. Which of the following is/ are to be taken from HUF while opening the SB account
a) PAN of HUF and KYC documents of the Karta
b) PAN and KYC from all adult coparceners
c) JHF Letter on COS-38 signed by all adult coparceners
d) Both a) & c) are correct.
15. Which of the following is not correct in case of SB account opened to visually impaired
person?

a) LTI to be obtained even from literate if doesn’t sign uniformly
b) Self-Operated cheque book will be given to Visually Impaired if signs uniformly.
c) ATM Card will be issued at the time opening the account if applied.
d) All are correct
16. Who is to fill the pay in slip if an illiterate person come for deposit of the amount
a) Another Customer
b) Service Manager
c) SWO
d) Invariably by a supervising official
17.Bank may give immediate credit in respect of outstation cheques drawn in favor of a/c
holder up to Rs…...?
a) Rs 10,000/-
b) Rs 20,000/-
c) Rs 30,000/-
d) Rs 50,000/-
18. Concession in locker rent is considered in Corporate Salary Package accounts as

under
a) 15% for Diamond
b) 25% for Platinum
c) No concession for Silver & Gold

d) All of these are correct
19. Overdraft will be given to CSP Variants
a) 2 month’s salary up to max of Rs 1.50 lakhs to Gold
b) 2 month’s salary up to max of Rs 1.00 lakhs to Diamond
c) 2 month’s salary up to max of Rs 2.00 lakhs to Platinum
d) All are correct
20. Which of the following is not correct in case of SBI Tax Saving Scheme 2006
a) Max Deposit in a year Rs 1,50,000/-
b) Minimum Deposit Rs 1000/-
c) No premature payment before 5 years
d) HUF, NRI and PIO can also invest in this scheme.
21. Maximum Deposit permitted in SBI Flexi Deposit is
a) No maximum limit
b) Rs 50,000/- in a year
c) Rs 1,50,000/- in a year
d) Rs 500/- per month
22. In an Annuity deposit the following is not correct
a) Minimum deposit Rs 25,000/-
b) Minimum Annuity Rs 1000/- PM

c) Premature Payment in case of death of the depositor
d) Maximum Deposit Rs 1, 50,000/- per Financial Year
23. In online SB Account opening, after filling the data customer needs to come to the
bank for opening the account with in
a) 7 days
b) 15 days
c) 30 days
d) As per his convenience
24. An account is treated as UNCLAIMED Deposit, if there is no customer or third party

induced transactions in the last?
a) 1 year
b) 3 years
c) 5 years
d) 10 years
25. Nomination facility in Current Account is available only to
a) Individual accounts
b) Proprietary concerns
c) Limited companies
d) A & B Only
26. Who will approve to open a current account in the name of a minor?

a) No approval is required
b) Module Head
c) Controlling authority
d) Circle Head
27. The beneficial owner is natural person(s), who, whether acting alone or together, or
through one or more juridical person, has/have a controlling ownership interest or who
exercises control through other means. Which of the following is not correct?
a. Where the customer is a partnership firm / unincorporated association or body of

individuals, the beneficial owner has/have ownership of / entitlement to more than 15%
of capital or profits of partnership.
b. Where the client is the trust, the identification of the beneficial owner(s) shall include
identification of the author of the trust, the trustee, the beneficiaries with 20% or more
interest in the trust.
c. where the customer is a company "Controlling ownership interest " means ownership
of or entitlement to more than 25% of shares or capital or profits of the company.
d. All are correct
28. Individual accounts where credit or debit summations of Rs 2.00 crores or more per
annum are categorized under
a. Low risk
b. Medium risk
c. High risk
d. Very high risk

29. Non-Individual accounts where credit or debit summations of Rs 2.00 crores to below
Rs.10.00 crores per annum are categorized under
a. High risk
b. Medium risk
c. Low risk
d. Very high risk
30. What is the balance to be maintained in a Platinum Current Account?
a. Rs.10,00,000/- MAB
b. Rs.2,00,000/- MAB
c. Rs.1,00,000/- MAB
d. Rs.5,00,000/- MAB
31. What is the maximum amount of cash that can be deposited in non home branch for
Regular Current Account without any charges?
a. Rs. 10 lacs per month
b. Rs. 1 lac per month
c. Rs. 5 lacs per month
d. Rs. 2 lacs per month
32. What is the maximum free Cash Pickup limit per day to Diamond Current Account
Holder?
a. Rs.1 lakh-single pickup

b. Rs.2 lakh-single pickup
c. Rs.5 lakh-single pickup
d. Unlimited
33. Name of the current account variant which facilitates sweep and reverse sweep of
balance above a threshold limit, to term deposit?
a. Surabhi
b. Surabhi Plus
c. MOD
d. Liquid Term Deposit
34. The current account variant which facilitates the collection of funds from any branch?
a. Power Jyoti
b. Power Gain
c. Power collect
d. Power Pack
35. Which of the following are eligible for opening of account under Senior Citizen Savings
Scheme (SCSS),2004?
a) An individual, who attained age of 60 years and above can open the account.
b) An individual who is having age between 55 to 60 and retired on superannuation or

otherwise or retired before commencement of the scheme rules.

c) The retired personnel of Defense Services (excluding civil defense employees)
irrespective of age limits.
d) All of the above
36. What is the maximum amount of deposit that can be made under SCSS, 2004
a) Rs. 5 lacs
b) Rs.10 Lacs
c) Rs.15 Lacs
d) Rs.25 Lacs
37. Mode of operation in SCSS,2004 can be made as ____?
a) Single only
b) Joint deposit only
c) Single or Jointly with spouse.
d) None of these
38. How the period of SCSS deposit account can be extended for a further period of three
years after the maturity period of five years provided _____?
a) An application in Form A should be made within a period of one year after the date of
maturity period.
b) An application in Form B should be made within a period of one year after the date of
maturity period.
c) Cannot be extended / renewed further

d) None of these
39. What is the periodicity of Interest payment for deposits under SCSS,2004?
a) Quarterly at the end of every calendar Quarter
b) Yearly on 31 st March
c) Half Yearly on 30th Sep / 31st Mar.
d) None of these
40. What is the rate of interest payable to matured SCSS deposits, which are neither
closed nor extended?
a) At the rate applicable to the deposits under the Post office Savings Bank account.
b) As per respective Savings Bank interest rate.
c) As announced from time to time by Finance department, GOI
d) None of these
41. Rate of Penalty to be levied for SCSS deposits to be closed after the expiry of one
year but before the expiry of two years from the date of opening of the deposit?
a) One percent of the deposit Amount
b) One and Half percent of the deposit Amount
c) Two percent of the deposit Amount
d) None of these
42. What is the penalty to be levied for SCSS deposits to be closed after the expiry of two
years from the date of opening of the deposit?

a) One percent of the deposit amount
b) One and Half percent of the deposit amount
c) Two percent of the deposit amount
d) None of these
43. Which of the following are correct in respect of TDS recovery in SCSS,2004 deposit
accounts?
a) TDS is not applicable
b) TDS is applicable. However, Form 15G/H can be submitted for exemption of TDS
recovery.
c) TDS cannot be exempted at all
d) None of these
44. What is the maturity period for PPF account?
a) 10 years, which can be extended for 1 or more blocks of 3 years each
b) 15 years, which can be extended for 1 or more blocks of 3 years each
c) 10 years, which can be extended for 1 or more blocks of 5 years each
d) 15 years, which can be extended for 1 or more blocks of 5 years each
45. Which of the following are eligible to open Public Provident Fund (PPF) account?
a) Individual
b) Trust
c) Association

d) HUF
46. What is the minimum and maximum annual subscription for PPF account?
a) Minimum Rs.250.00 and Maximum Rs.1.50 Lacs per annum
b) Minimum Rs.500.00 and Maximum Rs.1.50 Lacs per annum
c) Minimum Rs.250.00 and Maximum Rs.1.00 Lacs per annum
d) Minimum Rs.500.00 and Maximum Rs.1.00 Lacs per annum
47. When partial withdrawals allowed from PPF a/c?
a) 40% of the balance in the account as at the end of the 4th financial year can be
withdrawn in the 6th year.
b) 50% of the balance in the account as at the end of the 4th financial year can be
c) 50% of the balance in the account as at the end of the 5th financial year can be
d) 40% of the balance in the account as at the end of the 4th financial year can be
48. How many nominees can be accepted for PPF account?
a) Only one
b) Upto two
c) Upto 3 nominees are permitted
d) None of these

49.How many PPF accounts can be opened by an individual?
a) Only one
b) Two accounts
c) One account. However, another account on behalf of each minor child for whom he /
she is a guardian.
d) None of these
50. What is penalty amount for irregular payment / revival of PPF account?
a) Rs.20/- per year along with minimum specified amount per year.
b) Rs.50/- per year along with minimum specified amount per year.
c) Rs.70/- per year along with minimum specified amount per year.
d) Rs.100/- per year along with minimum specified amount per year.
51. What is the maximum period upto which deposit can be made in “Sukanya Samriddhi
Account?
a) 14 Years from the date of opening of the account
b) 18 years from date of opening of the account
c) 21 years from the date of opening of the account
d) None of these
52. What is the tenure of deposit for “Sukanya Samriddhi Account?
a) 14 Years from the date of opening of the account
b) 18 years from date of opening of the account

c) 21 years from the date of opening of the account
d) None of these
53. What is the minimum and maximum amount of deposit for “Sukanya Samriddhi
Account”?
a) Minimum Rs.500/- and Maximum Rs.1,50,000/-
b) Minimum Rs.250/- and Maximum Rs.1,50,000/-
c) Minimum Rs.500/- and Maximum Rs.1,00,000/-
d) Minimum Rs.250/- and Maximum Rs.1,00,000/-
54. What is penalty amount for irregular payment / revival of Saukanya Samriddhi
account?
a) Rs.20/- per year along with minimum specified amount per year.
b) Rs.50/- per year along with minimum specified amount per year.
c) Rs.70/- per year along with minimum specified amount per year.
d) Rs.100/- per year along with minimum specified amount per year
55. When the withdrawal of funds are allowed from “Sukanya Samriddhi Account?
a) Withdrawal is permissible only after the girl child attains 18 years of age or has passed
10th standard, whichever is earlier
b) Withdrawal is permissible only after the girl child attains 21 years of age or has passed
10th standard, whichever is earlier
c) Withdrawal is permissible only after the girl child attains 18 years of age and has
passed 10th standard.

d) None of these
56. How many accounts can be opened under “Sukanya Samriddhi Yojana” scheme?
a) Upto two girl children
b) Upto two girl children or three in case of twin girls as second birth
c) Upto two girl children or three in case of twin girls as second birth or the first birth itself
results in three girl children.
d) None of these
57. What is the Maximum age for joining APY scheme?
a) 18 years
b) 40 years
c) 60 years
d) No maximum age
58. Amount collected under APY are managed by whom?
a) RBI
b) GOVT. OF INDIA
c) SEBI
d) PFRDA
59. In case of discontinuation in payment of subscription under APY, account will closed
after
a) 6 months

b) 12 months
c) 24 months
d) No closure. Account will be frozen
60. What is the Maximum pension eligible under Atal Pension Yojana scheme?
a) 1000
b) 2000
c) 3000
d) 5000
ANSWER KEY LIABILITY PRODUCTS
1 a 11 d 21 b 31 b 41 b 51 a
2 c 12 c 22 d 32 b 42 a 52 c
3 b 13 d 23 c 33 a 43 b 53 b
4 c 14 d 24 d 34 a 44 d 54 b
5 b 15 d 25 d 35 d 45 a 55 a
6 b 16 c 26 c 36 c 46 b 56 c
7 a 17 c 27 b 37 c 47 b 57 b
8 a 18 d 28 c 38 b 48 c 58 d
9 d 19 c 29 b 39 a 49 c 59 c
10 b 20 d 30 a 40 a 50 b 60 d

POLICY GUIDELINES FY 2020-21
1. As per the Bank policy guidelines for FY 20-21, the Growth in Deposit of the Bank on
YoY basis is estimated at minimum of .........% .
a. 5
b. 7
c. 9
d. 10
2. As per the Bank policy guidelines for FY 20-21, the Growth in CASA Deposit of the
Bank on YoY basis is estimated at minimum of .........% .
a. 5
b. 7
c. 9
d. 10
3. As per the Bank policy guidelines for FY 20-21, the Growth in Whole bank advances
of the Bank on YoY basis is estimated at minimum of .........% .
a. 5.50
b. 9.50
c. 11.50
d. 13.50
4. As per the Bank policy guidelines for FY 20-21, the Growth in Retail Advances of the
a. 15
b. 17
c. 19

d. 18
5. As per the Bank policy guidelines for FY 20-21, the Growth in Home loan advances of
the Bank on YoY basis is estimated at minimum of .........% .
a. 15
b. 17
c. 18
d. 19
6. As per the Bank policy guidelines for FY 20-21, the Growth in other income of the
a. 15
b. 17
c. 18
d. 14
7. As per the Bank policy guidelines for FY 20-21, the overhead growth of the Bank is
capped on YoY basis is estimated at .........% .
a. 5
b. 7
c. 9
d. 10
8. As per the Bank policy guidelines for FY 20-21, the recovery in AUCA is estimated at
.........% of total AUCA Portfolio.
a. 10
b. 12
c. 16

d. 14
9. As per the Bank policy guidelines for FY 20-21, the target for SARG to recover Rs
__________ under AUCA recovery.
a. 1000 Cr
b. 5000 Cr
c. 7500 Cr
d. 6500 Cr
10. As per the Bank policy guidelines for FY 20-21, the gross NPA ratio should be below
.........% .
a. 5
b. 7
c. 7.5
d. 11
11. As per the Bank policy guidelines for FY 20-21, the net interest margin (NIM) from
domestic operation should be minimum at .........% .
a. 2.32
b. 2.33
c. 3.23
d. 3.33
12. As per the Bank policy guidelines for FY 20-21, the return on asset should be
minimum at .........% .
a. 0.8
b. 0.5
c. 0.6

d. 0.7
13. As per the Bank policy guidelines for FY 20-21, the return on equity should be
minimum at .........% .
a. 10.20
b. 12.50
c. 13.25
d. 15.00
14. As per the policy guidelines, the bank is going to centralise the trade finance and
international banking transactions in two CPCs located at _______ & ___________.
a. Delhi & Mumbai
b. Delhi & Kolkata
c. Kolkata & Hyderabad
d. Kolkata & Ahemdabad
15. As per the policy guidelines, the proposed new Customer Complaint Resolution
Center shall be opened at ______________ .
a. Delhi
b. Each LHO
c. Corporate Center
d. Administrative Office
Answer key for Policy Guidelines FY 20-21

1 B 2 D 3 C 4 D 5 C
6 D 7 B 8 A 9 B 10 A
11 C 12 D 13 B 14 C 15 B

HOME LOAN
1. If an individual owns two or more houses, singly or jointly then the exposure for
the third house onwards/purchase of plot will be treated as _________ Home
Loans.
a. Flexipay Home Loan

b. Privilege Home Loan
c. CRE Home Loan
d. Prime Minister’s Awas Yojana.
2. In case of employees on contractual basis which are renewable in nature, if the

Sanctioning Authority is below the rank of SMGS-V, from whom approval of
deviation to be obtained?
a. AGM(CPC)/AGM(Branch)
b. DGM (B &O)
c. GM Network
d. The controlling authority.
3. What is the maximum age limit allowed to liquidate the loan under SBI Home
Loan scheme?
a. 60 years
b. 70years
c. Maximum of 30 years loan tenor.
d. 15 years after retirement.
4. If borrowers/co-borrowers unrelated in a Home loan, ____ authority can give

relaxation provided the repayment should be made through joint account of all
the borrowers/co-borrowers.
b. DGM(B&O)
c. GM(Network)
d. CGM of the Circle.
5. Maximum age limit for a Home Loan borrower is fixed at 70 years, i.e. the age by
which the loan should be fully repaid, subject to availability of sufficient, regular
and continuous source of income for servicing the loan repayment. Sanctioning
authority is, however, left with discretion to sanction loans to individuals above
the age of 70 years, provided son / daughter / spouse, who is a legal heir and

preferably below the age of ___________________, with sufficient income for
servicing the loan repayment, joins as co-borrower / guarantor.
a. 50 years
b. 45 years
c. 60 years
d. No such stipulation.
6. Number of coborrowers is restricted to maximum _______________ including

spouse/children/parents/siblings. However, __________________can relax
maximum number of co-borrowers provided the repayment is made through an
account with Bank in the joint names of all the borrowers.
a. 3, AGM(CPC)/AGM(Branch)
b. 5, DGM (B & O)
c. 3, DGM (B & O)
d. 3, GM Network.
7. In case of salaried person no deviations should be asked for the break in service
for a brief period of up to _______________during the last two years provided
the applicants are currently in the Service.
a. 6 months
b. 3 months
c. 1 year
d. 15 months.
8. IT returns should be filed with IT authority within reasonable time. If ITRs of last
two years /more submitted by applicant/s are filed by Applicant/s with IT authority
on the on the same date/ same financial year, then home loan proposals will be
considered after obtaining administrative approval from ______________ duly
verifying the ITRs , reason for delay in filing of ITRs and after satisfying about the
genuineness and steadiness of source of income and continuity of repayment
capacity of the borrower/s.
b. DGM (B & O)
c. GM Network.
d. Sanctioning authority.

9. While computing maximum eligible loan amount, expected rent accruals from
theproposed house/flat being let out (net of taxes, cess etc.) may be reckoned, subject
to maximum amount equivalent to the applicant’s
a.Net Monthly Income(NMI)/Net Annual Income (NAI).
b. Double the NMI
c. Half the NMI
d. As per the prevailing rent in the market.
10.The Expected rent accruals should not be considered in case of ________ .
a. SBI-Realty Home Loans.
b. SBI Home Loan
c. PMAY
d. Privilege Home Loans.
11. Sanctioning authorities may permit adding back of depreciation to compute Net
Annual Income of the borrower as per the following.
a. Depreciation that is allowed to be added to the net income will be average

depreciation during the last three years or depreciation for the current year whichever is
lower.
b. Depreciation that is allowed to be added to the net income will be average

depreciation during the last three years or depreciation for the current year whichever is
higher
c. Depreciation for the current year.
d. Not to be added to the income.
12. THE EMI/NMI ratio allowed for income bracket of Rs 8 lacs to Rs 10 lacs is ___ .

a. 60%
b. 65%
c. 70%
d. Based on discretionary powers of the sanctioning authority.
13. Inclusion of Stamp Duty, Registration Charges and other Documentation Charges in
project cost of dwelling unit is permitted for loans
a. not exceeding Rs. 10 lacs

b. Loans to priority sector
c. Loans under PMAY
d. Upto Income band of Rs 10 lacs.
14. Cost of furnishing is provide as a loan to the borrower upto a limit of
a. Rs 50 lacs
b. 20% of the project cost
c. 15% of the project cost or Rs 50 lacs whichever is lower.
d. 15% of the project cost or Rs 50 lacs whichever is higher.
15. Under Financing of housing loan under reimbursement scheme. The fiancé provided
is subject to
a. Amount of investment made in the project.
b. Amount of investment minus margin.
c. Total cost of project.
d. Investment made from borrowings from relative and friends.

16. Home loan can be provided to builders in the project under their development with
the approval of
a. AGM(CPC)/AGM(Branch)AGM (RBO)
b. DGM (B & O)
c. GM Network
d. Cannot be sanctioned.
17. Standard asset provisioning percentage in terms of CRE Home Loans stands at
a. 0.40
b. 0.25
c. 1.00
d. Depends on the SMA category.
18. Cersai charges to be recovered from Home loan borrowers
a. at the time of Documentation.
b. At yearly review.
c. At the time of final disbursement
d. at yearly intervals.
19. If another immovable property is kept as collateral towards Housing loans where
mortgage have not been created. The Realisable value of the Immovable property
should be
a. 100% of the loan amount

b. 125% of the loan amount
c. 125% of the outstanding amount.
d. Equal to the Market value of the primary housing
20. Discretionary power for administrative approval for acceptance of pari-passu charge
/second charge over property for loans more than Rs 30 lacs
a. DGM (B & O)
b. GM (Network)
c. AGM(CPC/Branch/RBO)
d. No discretion for creating pari-passu charge is provided to circle authorities.
21. Penal interest @2% over and above the agreed interest rate will be recovered from
the customers for the delayed period on the entire outstanding in cases where valid
mortgage is not created by the borrowers in favour of the Bank within
_________________ of execution of Sale deed or issue of possession letter by
builders/Occupation certificate, whichever is earlier.
a. 60 days
b. 89 days
c. 30 days
d. before availing the top up loan.
22. The type of security to be fed in CBS for the Housing loan Suraksha Component is
a. 25% value of property
b. Nil
c. 50% value of property

d. Remaining portion left over after securing the housing loan.
23. The security to be fed in CBS in case of housing loan under Earnest money deposit
scheme of the Bank is
a. 15%
b. 20%
c. Nil
d. The amount equal to 6 months EMI.
24. For borrowers employed in Defence Services and Para Military Forces. The
sanctioning authority may allow execution of Home Loan documents, except
____________________________________which must be signed by the borrower
himself/herself, by duly Constituted Attorneys in cases where the borrower is employed
in “Defence Services or Para Military Forces”.
a. Loan Application
b. Mortgage papers
c. Cersai Debit confirmation.
d. Letter of confirmation of mortgage.
25. Administrative Clearance should be obtained from the next higher authority where
the sanctioning authority is AGM RACPC/AGM Branch or an official of a lower grade for
financing housing loans where the structure is more than 15 years old.
a. From DGM (B & O)

b. From GM (Network)
c. No administrative approval is required, the expected longevity of the structure, as
certified by an empaneled structural engineer / architect is at least 5 years more
than the loan tenor.

d. CLCC.
ANSWER KEY FOR HOME LOAN

1 2 3 4 5
C A B B A
6 7 8 9 10
A B B A A
11 12 13 14 15
A B A C B
16 17 18 19 20
D C A B B
21 22 23 24 25
A B C A C

P-SEG ADVANCES (AUTO LOAN)
1. What is the minimum age required for availing SBI Car Loan?
a. 18 Years
b. 21 Years
c. 25 Years
d. 22 Years
2. What is the maximum age upto which SBI Car Loan can be availed?
a. 60 Years
b. 65 Years
c. 67 Years
d. 70 Years
3. By what age, the SBI Car loan must be fully repaid?
a. 60 Years
b. 65 Years
c. 67 Years
d. 70 Years
4. What is the minimum loan amount under SBI Car Loan Scheme?
a. Rs 25000/-
b. Rs 50000/-
c. Rs 100000/-
d. Rs 200000/-
5. SBI Car loan can be sanctioned as ___________ .

a. Term Loan
b. Overdraft
c. Demand Loan
d. Any of the above
6. For Auto Loans the extant instruction that at least 2 credit agencies’ reports need to be
obtained for loans ____________ .
a. Upto Rs 5.00 Lakh
b. Above Rs 5.00 Lakh
c. Rs 5.00 lakh and above
d. Above Rs 10.00 lakh
7. What is the secondary CIC report to be taken for auto loan applicants ?
a. CRIF
b. CRISIL
c. Experian
d. Equifax
8. Vehicle registration details are to be verified from __________ website.
a. vahan.com
b. vahan.gov.in
c. vahan.nic.in
d. vahan.in
9. Maximum number of car loans that can be sanctioned for personal use are__________
.
a. 1

b. 2
c. 3
d. No such restriction
10. What is the minimum Net Annual Income required for salaried applicant for availing
SBI car loan?
a 200000/-
b. 400000/-
c. 250000/-
d. 300000/-
11. What is the minimum Net Annual Income required for agriculturist person for availing
SBI car loan?
a 200000/-
b. 400000/-
c. 250000/-
d. 300000/-
12. What is the minimum Net Annual Income required for Professionals, self-employed,
businessmen for availing SBI car loan?
a 200000/-
b. 400000/-
c. 250000/-
d. 300000/-
13. What is the maximum amount that can be granted to a salaried person with respect
to Net Monthly Income (NMI) under our SBI car loan scheme?
a. 24 times the NMI

b. 30 times the NMI
c. 36 times the NMI
d. 48 times the NMI
14. What is the Maximum repayment period in SBI Car Loan Scheme?
a. 5 years
b. 6 years
c. 7 years
d. 8 years
15. What is the maximum loan amount that can be sanctioned to an Agriculturist under
our car loan scheme?
a. 4 times the NAI
b. 3 times the NAI
c. 2 times the NAI
d. 6 times the NAI
16. What is the maximum loan amount that can be sanctioned to an Self Employed,
Professionals and businessmen under SBI car loan scheme?
a. 4 times the NAI
b. 3 times the NAI
c. 2 times the NAI
d. 6 times the NAI
17. What should be the maximum EMI/NMI ratio to avail the car loan for a person having
a Net Annual Income up to Rs.5 lacs?
a. 50%

b. 55%
c. 60%
d. 65%
a Net Annual Income above Rs.5 lakh and upto Rs 10 lakh?
a. 50%
b. 55%
c. 60%
d. 65%
a Net Annual Income above Rs. 10 lakh?
a. 50%
b. 55%
c. 60%
d. 65%
20. What is the minimum and maximum loan amount that can be availed under Certified
Pre owned car loan scheme?
a. min 1 lakh , max 10 lakh
b. min 2 lakh , max 10 lakh
c. min 3 lakh , max 10 lakh
d. min 5 lakh , max 10 lakh
21. What is the TAT (turn around time) for sanctioning of the auto loan?
a. 1 day

b. 2 day
c. 3 day
d. 4 day
22. Form 16 or ITR for last 2 years for Salaried Customers are waived for Salary Package
Customers maintaining Salary Account with our Bank for minimum period of ______ .
a. 12 months
b. 24 months
c. 6 months
d. ITR or Form 16 is required for last year.
23. If the borrower fails to get the vehicle financed by the Bank registered with
hypothecation charge in favor of the Bank within.....days from the date of disbursement,
a charge of Rs ____ per month will be recovered from the borrower till Bank's charge is
noted in the books of RTO.
a. 90, 5000.00 + GST
b. 120, 5000.00 + GST
c. 90, 2500.00 + GST
d. 120, 2500.00 + GST
24. RACPCs/ Sanctioning Branches may utilize the services of approved verification
agencies for address/ employment verification. However, they should verify at
least______of the cases handled by the outside agency, as a cross-check of the quality
of their services.
a. 2%
b. 5%
c. 10%
d. Not required

25. Compilation of Opinion Reports / Assets & Liabilities Statements is waived for all car
loans up to Rs. 20.00 lacs; if, the CIC Score is _________ and above.
a. 600
b. 650
c. 700
d. 750
26. What is the margin required for the SBI Car loan scheme?
a. 10%
b. 15%
c. 20%
d. NIL
27. What is the margin required for the SBI Car loan scheme from a Salary Package
account holder?
a. 10%
b. 15%
c. 20%
d. NIL
28. What is the preliminary CIC report to be taken for car loan applicants?
a. CIBIL
b. CRISIL
c. CRIF
d. Experian

29. Foreclosure charges will be levied at the rate of ____________ in case foreclose
within 2 years from the date of disbursement of loan.
a. No charges to be recovered
b. 1%+GST
c. 2% +GST
d. 3% +GST
30. What is the minimum and maximum loan amount in our SBI car loan?
a. Min: No limit; Max: No limit
b) Min: Rs.1.00 lakh; Max: 85% or 90% (for CSP accounts) of on-road price, subject to
100% exshowroom price of the vehicle.
c. Min: No ceiling; Max: 80% or 90% (for CSP accounts) of on-road price, subject to 100%
ex-showroom price of the vehicle.
d. Min: No ceiling; Max: on road price of the vehicle.
31. Under SBI Car Loan scheme reimbursement will be made for the cars purchased out
of own funds, but not more than ______ old.
a. 3 months
b. 6 months
c. 1 month
d. Not permitted in Car loan scheme
32. What is the stipulated margin under Loyalty Car Loan Scheme?
a. 10%
b. 5%
c. NIL
d. Same as SBI Car loan scheme

33. Under Loyalty Car Loan scheme, extension of mortgage is not required for car loan
up to Rs. _______ lakh?
a. 5
b. 10
c. 15
d. 20
34. How many applicants can be considered in case of auto loan scheme?
a. Only 1
b. Only 2
c. Maximum 3
d. No restriction on number of applicants
35. Verification of vehicle registration details from the website ‘vahan.nic.in’ should be
made in all car loans within _____ daysof disbursement.
a. 7 days
b. 15 days
c. 30 days
d. 90 days
36. Which RTO Forms is used for registration of Motor Vehicle?
a. Form 20
b. Form 29
c. Form 34
d. Form 30
37. What is the minimum NMI/NAI of the borrower under NRI car loan scheme?

a. $ 500 NMI or $ 5000 NAI
b. $ 1000 NMI or $ 12000 NAI
c. $ 1200 NMI or $12000 NAI
d. $1500 NMI or 18000 NAI
38. What is the minimum NMI/NAI of the guarantor under NRI car loan scheme?
a. $ 500 NMI or $ 5000 NAI
b. $ 1000 NMI or $ 12000 NAI
c. $ 1200 NMI or $12000 NAI
d. Not stipulated for guarantors
39. Who is the empowered authority to approve the deviation in CIC score ‘-1’ for car loan
applicant/s, wherever applicable ?
a. RM (RBO)
b. DGM (B&O)
c. GM (NW)
d. No deviation to be given
40. Loyalty car loan is applicable to those home loan borrowers who have paid the EMIs
regularly for more than ______ moratorium.
a. 1 year
b. 2 years
c. 3 years
d. 6 months

41. Post disbursement inspection of vehicle must be carried out within _____ days from
the date of disbursement in respect of auto loans.
a. 7 days
b. 15 days
c. 30 days
d. Immediately on delivery of vehicle
42. What is the maximum repayment period of SBI Green Car loan scheme?
a. 5 years
b. 6 years
c. 7 years
d. 8 years
43. Under Certified Pre-Owned Cars, cars to be purchased should not be more than
______ years old
a. 5 years
b. 6 years
c. 7 years
d. 8 years
44. What is the Maximum loan that can be sanctioned under SBI Car loan Lite Scheme?
a. Rs 400000/-
b. Rs 500000/-
c. Rs 1000000/-
d. No maximum limit

45. Under SBI Lite Car Loan Scheme, what is the CIBIL Score required if the applicant is
not residing in his own/parental house?
a. 600 and above
b. 650 and above
c. 700 and above
d. 750 and above
46. Maximum tenor of SBI Car loan lite scheme is _________ years.
a. 4
b. 5
c. 6
d. 7
47. Maximum tenor for SBI Two wheeler loan scheme is __________ years.
a. 3
b. 5
c. 4
d. 6
48. What is the margin required for SBI Two wheeler loan scheme?
a. 20%
b. 25%
c. 10%
d. 15%
49. What is the maximum age limit for availing High Value Super Bike Loan?

a. 60 years
b. 62 years
c. 65 years
d. 67 years
50. What is the margin required for High Value Super Bike Loan scheme (other than CSP
customers) ?
a. 20%
b. 25%
c. 10%
d. 15%
ANSWER KEY FOR AUTO LOAN

1 B 2 C 3 D 4 C 5 A
6 C 7 C 8 C 9 C 10 D
11 B 12 D 13 D 14 C 15 B
16 A 17 A 18 C 19 D 20 C
21 B 22 A 23 D 24 A 25 C
26 B 27 A 28 A 29 D 30 B
31 D 32 C 33 B 34 B 35 C
36 A 37 B 38 D 39 A 40 A
41 B 42 D 43 D 44 A 45 C
46 B 47 A 48 B 49 C 50 D

P-SEG ADVANCES: EDUCATION LOAN
1. What is the stipulated margin for SBI Student loans above Rs.4.00 lakh for the studies
in India and Abroad?
a. 5 % & 10%
b. 5% & 15%
c. 10% & 15%
d. NIL & 5%
2. For studies in India, what is the maximum loan amount for non-medical and medical
courses?
a. Rs 10 lakh & Rs 20 lakh
b. Rs 10 lakh & Rs 25 lakh
c. Rs 10 lakh & Rs 30 lakh
d. Rs 20 lakh & Rs 30 lakh
3. What is the maximum amount that can be considered for Priority Sector lending under
education loan?
a. Rs 5 lakh
b. Rs 10 lakh
c. Rs 15 lakh
d. Rs 20 lakh
4. What is the TAT for processing of Education Loans, after submission of all the required
documents?
a. 7 days
b. 10 days
c. 15 days

d. 24 days
5. For which of the following, the education loan can not be granted?
a. Part time courses India from selected institute only
b. Distance Education courses
c. Both a & b
d. Nursing Courses in India
6. What is the maximum term period under SBI student loan?
a. Course period + 12 month moratorium +7 years
b. Course period + 6/ 12 months job searching period+ 15 years
c. 15 years + 12 months moratorium
d. Course Period + 6/ 12 month job searching period + 12 years
7. What is the security required for loan below Rs. 7.5 lakhs under SBI student loan?
a. Tangible collateral security.
b. Co-obligation of parents
c. Third Party Guarantee
d. Liquid security only
8. What is the security required for loan above Rs. 7.5 lakhs under SBI student loan?
a. Tangible collateral security.
b. Co-obligation of parents
c. Third Party Guarantee (if the security belongs to third party)
d. All of the above

9. All Applications for Education Loans are to be submitted through, __________
maintained by NSDL on behalf of MoHRD?
a. Vidya Vinayti Portal
b. Vidya Lekhi Portal
c. Vidya Lakshmi Portal
d. Vidya Lakhhi Portal
10. Service charges of Rs ______ per education loan sanctioned will be paid by the Bank
to NSDL for each loan sourced thorugh VLP.
a. Rs 100/-
b. Rs 200/-
c. Rs 250/-
d. Rs 500/-
11. Which bank is the Nodal Bank for implementing Central Government's Interest
Subsidy scheme for Education Loans?
a. State Bank of India
b. Punjab National Bank
c. Canara Bank
d. HDFC Bank
12. To be eligible for Subsidy under Interest Subsidy Scheme on Education Loan for
Economically Weaker Section (EWS)-CSIS, the annual gross parental/ family income of
the applicant borrower should not be more than Rs. ________ .
a. Rs 7.50 lakh
b. Rs 4.50 lakh
c. Rs 2.40 lakh

d. Rs 3.00 lakh
13. What is the minimum & maximum loan that can be sanctioned under SBI Skill Loan
scheme?
a. Rs 5000/- & Rs 150000/-
b. Rs 10000/- & Rs 150000/-
c. Rs 15000/- & Rs 150000/-
d. Rs 5000/- & Rs 100000/-
14. What is the maximum loan that can be sanctioned Under SBI Scholar Loan scheme,
for List AA institutes?
a. Rs 30 lakh
b. Rs 40 lakh
c. Rs 50 lakh
d. Rs 60 lakh
for List A institutes?
a. Rs 30 lakh
b. Rs 40 lakh
c. Rs 50 lakh
d. Rs 60 lakh
for List C institutes?
a. Rs 30 lakh
b. Rs 40 lakh
c. Rs 50 lakh

d. Rs 60 lakh
17. What is the minimum & maximum Loan that can be sanctioned under SBI Global Ed-
Vantage Loan scheme?
a. Rs. 10.00 Lakhs & Rs.1.50 Cr
b. Rs. 30.00 Lakhs & Rs.1.00 Cr
c. Rs. 20.00 Lakhs & Rs.1.50 Crs
d. Rs. 7.50 Lakhs & Rs.1.50 Crs
18. What are the security requirement under SBI Global Ed-Vantage Loan?
a. Land /Building for 110% of loan limit
b. Liquid securities for 100% of loan limit
c. Either of (a) or (b)
d. Only Liquid security is required
19. What should be the CIC Score required for borrower/guarantor in case of secured
education loan?
a. - 1 or more than 591
b. - 1 or more than 600
c. more than 600
d. No such score is required for education loan
20. What should be the CIC Score required for borrower/guarantor in case of unsecured
education loan?
a. - 1 or more than 650
b. - 1 or more than 685
c. more than 600

d. No such score is required for education loan
21. What is the maximum loan that can be sanctioned under SBI Student Loan for studies
abroad?
a. Rs 10 lakh
b. Rs 20 lakh
c. Rs 1.5 Cr
d. Rs 30 lakh
22. What is the maximum repayment period allowed under SBI Global Ed-vantage Loan?
a. 10 years + moratorium
b. 12 years + moratorium
c. 15 years + moratorium
d. 20 years + moratorium
23. What is the margin for loans upto Rs.4.00 lakh under Student loan scheme?
a. NIL
b. 5%
c. 7.5%
d. 10%
24. What is the margin for loans under SBI Skill loan scheme?
a. NIL
b. 5%
c. 7.5%
d. 10%

25. What is the maximum loan repayment period under SBI Skill loan scheme?
a. Upto Rs.50,000: Maximum 3 years
b. Above Rs.50,000 up to Rs.1 lakh : Maximum 5 years
c. above Rs.1 lakh : Maximum 7 years
d. All of the above
ANSWER KEY FOR EDUCATION LOAN

1 B 2 C 3 D 4 C 5 B
6 B 7 B 8 D 9 C 10 A
11 C 12 B 13 A 14 B 15 A
16 A 17 C 18 C 19 A 20 B
21 B 22 C 23 A 24 A 25 D

OTHER P SEG LOAN (XPRESS CREDIT, GOLD LOAN, DEMAND LOAN)
1. What is the minimum NMI required for sanction of Xpress Credit Loan?
a. Rs.7,000/-
b. Rs.10,000/-
c. Rs.12,500/-
d. Rs.15,000/-
2. What is the minimum & maximum loan that can be sanctioned as TL under Xpress
Credit scheme?
a. Rs.24,000/- & Rs. 20 lakh
b. Rs.25,000/- & Rs.15 lakh
c. Rs.25,000/- & Rs.20 lakh
d. Rs.10,000/- & Rs.20 lakh
3. What is the minimum & maximum loan that can be sanctioned as OD under Xpress
Credit scheme?
a. Rs.25,000/- & Rs. 20 lakh
b. Rs. 1,00,000/- & Rs.15 lakh
c. Rs. 2,50,000/- & Rs.20 lakh
d. Rs. 5,00,000/- & Rs.20 lakh
4. Under Xpress Credit Scheme, maximum _______ times NMI loan can be sanctioned
subject to EMI/NMI ratio.
a. 12
b. 24
c. 36

d. 48
5. What is the maximum repayment period under Xpress Credit Scheme?
a. 48 months
b. 36 months
c. 60 months
d. 72 months
6. What is the EMI/NMI ratio applicable under Xpress Credit Scheme?
a. 40%
b. 50%
c. 55%
d. 60%
7. Under which category of Xpress credit loan the customer is not required to maintain
salary account with our bank?
a. Xpress Lite
b. Xpress Power
c. Xpress Bandhan
d. Xpress Elite
8. What is the EMI/NMI ratio applicable under Xpress Elite Scheme?
a. 40%
b. 50%
c. 55%
d. 60%

9. What is the maximum Loan amount that can be given to Teachers of Government
Aided Schools?
a. 12 times NMI
b. 12 times GMI
c. 24 times NMI
d. 24 times GMI
10. What is the minimum salary required for the loan under the Xpress Elite scheme?
a. NMI of Rs 1.00 lakh and above
b. GMI of Rs 1.00 lakh and above
c. NMI of Rs 1.20 lakh and above
d. GMI of Rs 50000/- and above
11. What is the EMI/NMI for the loan under Xpress Credit to Non-Permanent Employees?
a. 40%
b. 50%
c. 55%
d. 60%
12. What is the maximum amount of loan that can be given under PAXC?
a. Rs 5 lakh
b. Rs 8 lakh
c. Rs 10 lakh
d. Rs 15 lakh
13. In case of Xpress credit loans, provision of second loan is available after______
months of disbursement of the first loan.

a. 6 months
b. 12 months
c. 3 months
d. Anytime after the disbursal of first loan
14. Overdraft facility for Salary Package account holders is limited to ___ months of ____
salary.
a. 6 , Gross
b. 6 , Net
c. 2, Gross
d. 2, Net
15. What is the maximum loan offered under Xpress Credit Insta Topup loan scheme?
a. Rs 1 lakh
b. Rs 3 lakh
c. Rs 5 lakh
d. Rs 8 lakh
16. What is the name of personal loan product variant to cater to the personal needs of
our salary package customers earning a net monthly income between Rs.7000 &
Rs.14,999?
a. Xpress Credit to NPE
b. Xpress Elite
c. Xpress Lite
d. Xpress power
17. What is the Maximum loan which can be sanctioned under Xpress Lite Scheme?

a. Rs 1.00 lakh
b. Rs 1.80 lakh
c. Rs 2.00 lakh
d. Rs 2.40 lakh
18. What is the maximum repayment period for Xpress Lite Scheme?
a. 12 months
b. 24 months
c. 36 months
d. 48 months
19. What is the type of loan facility in given under Xpress Credit Lite Scheme?
a. Term loan
b. Overdraft
c. Demand loan
d. Both a & b
20. What is the maximum age for both Pensioner & Family pensioner under Pension Loan
Scheme?
a. 70 years of age
b. 72 years of age
c. 76 years of age
d. None of these
21. What is the minimum loan amount that can be given under Pension loan for
Pensioners & Family pensioners?

a. Rs.24,000/-
b. Rs.25,000/-
c. Rs.50,000/-
d.Rs.1,00,000/-
22. What is the maximum loan amount that can be sanctioned under Pension loan
scheme for pensioners?
a. Rs 12 lakh
b. Rs.14 lakh
c. Rs 15 lakh
23. What is the maximum age limit at the time of full repayment of Pension Loan for
Pensioners & Family pensioners?
a. 72 years
b. 76 years
c. 80 years
d. 78 years
24. What is the maximum loan repayment period under Jai Jawan Pension Loan
Scheme?
a. 60 months
b. 48 months
c. 72 months
d. 36 months
25. What is the maximum Pension Loan that can be sanctioned under Pension Loan
Scheme to Family Pensioners?

a. Rs 12 lakh
b. Rs.14 lakh
c. Rs 5 lakh
d. Rs 10 lakh
26. Under Pension Loan to Coal Mines Provident Funds (CMPF) Employees, sanctioning
branch has to send duly certified scanned copy of the PPO and copy of the latest life
certificate for verifying genuineness to our ________ Branch.
a. Mumbai Main
b. New Delhi Main
c. Kolkata Main
d. Dhanbad
27. What is the maximum loan amount that can be sanctioned under Pre-approved
Pension Loan (PAPNL) scheme
a. Rs 1.00 lakh
b. Rs 2.00 lakh
c. Rs 2.50 lakh
d. Rs 3.00 lakh
28. What is the minimum and maximum loan amount that can be given under Insta
Pension Loan scheme?
a. Rs 25000/- & Rs 280000/-
b. Rs 20000/- & Rs 280000/-
c. Rs 20000/- & Rs 300000/-
d. Rs 25000/- & Rs 300000/-

29. What is the maximum number of pension loans which can be sanctioned to
pensioners against a single PPO?
a. Only 1 loan
b. Maximum 2 loan
c. Maximum 3 loan
d. Maximum 4 loan
30. What is the minimum age stipulation to avail Jai Jawan Pension Loan?
a. 35 years
b. 45 years
c. 55 years
d. No such stipulation
31. What is the LTV ratio prescribed for Gold Loans ?
a. 50%
b. 60%
c. 75%
d. 80%
32. What is the minimum amount of loan under SBI Gold Scheme?
a. Rs. 10000/-
b. Rs. 15000/-
c. Rs. 20000/-
d. Rs.25000/-
33. What is the maximum repayment period under Personal Gold Loan?

a. 12 months
b. 24 months
c. 36 months
d. 48 months
34. What is the maximum repayment period under SBI Gold Loan- Bullet repayment?
a. 12 months
b. 24 months
c. 36 months
d. 48 months
35. What is the margin required for SBI Gold loan- bullet repayment?
a. 10%
b. 25%
c. 35%
d. 40%
36. What is the maximum amount of loan that can be sanctioned under SBI Gold
Scheme?
a. Rs. 10.00 lakh
b. Rs. 15.00 lakh
c. Rs. 20.00 lakh
d. Rs. 50.00 lakh

37. While granting advance against the security of specially minted gold coins sold by
Our Bank (including associate banks), the operating units should ensure that the weight
of the coin(s) does not exceed ________ grams per customer.
a. 100
b. 50
c. 30
d. No such stipulation is there
38. What is the maximum number of Personal Gold Loans that can be sanctioned to an
individual in the same CIF?
a. 2
b. 3
c. 5
d. No such stipulation is there
39. Which department in the Bank advises the Market Value and Advance value in respect
of the gold loans?
a. Metal Grid Department
b. Precious Metal Department
c. Agriculture Business Unit
d. PBBU
40. What is the minimum RSM score required for sanction of gold loan?
a. 30 & above
b. 31 & above
c. 32 & above
d. 33 & above

41. What type of charge is created on Life Insurance Policy?
a. Hypothecation
b. Pledge
c. Assignment
d. Mortgage
42. What is the maximum loan sanctioned against Online Loan against Shares which are
in physical format?
a. Rs 5 lakh
b. Rs 10 lakh
c. Rs 20 lakh
d. Rs 50 lakh
43.What is the Maximum loan that can be sanctioned against SBI Mutual Fund, when the
units are held in Dematerialized Form?
a. Rs 5 lakh
b. Rs 10 lakh
c. Rs 20 lakh
d. Rs 50 lakh
44. What is the minimum loan amount sanctioned under Sovereign Gold Bonds Scheme?
a. Rs 5000/-
b. Rs 10000/-
c. Rs 20000/-
d. Rs 25000/-
45.How many demand loans can be sanctioned against one TDR/STDR?

a. Only 1
b. 2
c. Maximum 2
d. No such stipulation
ANSWER KEY FOR OTHER P-SEG LOAN

1 D 2 C 3 D 4 B 5 D
6 B 7 D 8 D 9 C 10 A
11 A 12 B 13 D 14 D 15 B
16 C 17 B 18 C 19 C 20 C
21 B 22 B 23 D 24 C 25 C
26 D 27 C 28 B 29 B 30 D
31 C 32 C 33 C 34 A 35 C
36 D 37 B 38 B 39 B 40 B
41 C 42 B 43 C 44 C 45 A

SME GENERAL
1.Expand NCGTC
a. National Credit Guarantee Trust Company
b. National Central Guarantee Trust Company
c. National Cooperative Guarantee Trust Company
d. National Corporation Guarantee Trust Company
2.Which of the following would be considered a priority sector lending?
a. Bank loans up to a limit of ₹30 crore to borrowers for purposes like Solar based
power generators
b. Bank loans up to a limit of ₹20 crore to borrowers for purposes like Biomass-based
power generators,
c. Bank loans up to a limit of ₹10 crore to borrowers for purposes like Wind mills,
d. Bank loans up to a limit of ₹15 crore to borrowers for purposes like Micro-hydel plants
3.For Individual households, the loan limit will be ________________per borrower

under renewable energy, to be considered as priority sector lending.
a. Rs 10 lacs
b. Rs 20 lacs
c. Rs 100 lacs
d. Rs 1 lac
4. Cost of incremental provisioning for the Bank on account of UFCE of borrowers,

would be recovered as per specified rates

a. on Fund Based Outstanding.
b. on Fund based plus non fund based exposure
c. On total Exposure
d. None of these.
5. Cost of incremental Capital, wherever applicable, should be recovered on

incremental Risk Weighted Assets, taking into consideration
a. both FB and NFB exposures

b. Only Fund based exposures
c. Only Non fund based exposure
d. None of these.
6. For financing new connection under Gems & jewelry Industry, the criteria should be
a. CRA SB-5 & better or ECR of minimum BBB (+/-) for Units.
b. CRA SB-3 & better or ECR of minimum AA (+/-) for Units.
c. CRA SB-7 & better or ECR of minimum BBB (+/-) for Units.
d. No new finance to be given
7. The Government of India (GoI) vide DFS letter no 2/12/2020 BOA dated 23/10/2020
has notified a scheme to provide ex-gratia payment of difference between compound
interest and simple interest for six months / 184 days
a. for the period between 1st March 2020 to 31st August 2020
b. for the period between 1st April 2020 to 31st August 2020
c. for the period between 1st September 2020 to 31st March 2021
d. None of these

8. The ex-gratia payment of difference between compound interest and simple interest
for the above stated period shall be provided to the segments / classes of borrowers
who qualify the parameters:
i. have been sanctioned limits of not exceeding Rs 2. Crores only

ii. have outstanding amount of not exceeding Rs.2 crores (aggregate of all facilities
with all lending institutions)
iii. portfolio is “Standard” as on 29.02.2020.
a. both ii and iii

b. both i and iii
c. i, ii and iii
d. only iii without any capping.
9. The provision of Adhoc limits in INR, equivalent up to 10% of CC limits, to cover

adverse fluctuations in FC rates (restricted to US Dollar, Japanese Yen, Pound Sterling
and Euro currencies), with respect to PCFC finance
a. is available to standard borrowing units.

b. is withdrawn by the Bank
c. is available to borrowers having an exposure of Rs 250 crores only from the
Bank.
d. Adhoc limit of 15% is available.
10. It has now been decided by the competent authority that in case of InvITs where the
Sponsor is categorised as a Core Investment Company (CIC) in terms of RBI
Regulations, pledge of Units of the InvIT held by the Sponsor will be stipulated for a
period
a. upto 3 years from date of listing

b. upto 5 years from date of listing
c. upto 7 years from date of listing
d. upto completion of the project
11. Under Lease Rental Discounting scheme of the Bank For office spaces, having
exposure above Rs 50 crores, threshold ECR shall be at
a. BBB & better, across all centres.

b. A(+/-) & better.
c. SB 3 & better, across all centres.
d. No need for external rating.

12. Dynamic review shall be carried out in respect of accounts (LRD) where there is a
shortfall of more than _______________ in rent realization during the previous three
consecutive months vis-à-vis the rent receivable considered at the time of appraisal of
LRD limits.
a. 20%
b. 30%
c. 50%
d. No such stipulation.
13. In order to provide relief to our borrowers affected by the prevailing Covid-19
pandemic, detailed guidelines were issued to operating units wherein, review/ renewal
of working capital limits were permitted (based on the categorization of entities), as a
one-time measure. For unlisted entities, the timeline provided was:
a. Along with ABS as on 31.03.2019, provisional financials as on 31.12.2019 be

obtained for review/renewal of existing accounts up to 30.09.2020
b. Time line for obtention of ABS as on 31.03.2020 is extended up to 31.12.2020.

Consequently, review / renewal of working capital advances based on Audited Balance
Sheet as on 31.03.2019 and provisional financials as on 31.03.2020 may be carried out
up to 31.12.2020.
c. Time line for obtention of ABS as on 31.03.2020 is extended up to 30.11.2020.

Consequently, review / renewal of working capital advances based on Audited Balance
Sheet as on 31.03.2019 and provisional financials as on 31.03.2020 may be carried out
up to 30.11.2020.
d. None of these.
14. Where the loan account has been closed, the ex-gratia amount shall be credited to
the current account / saving banks accounts of the borrower. In cases where savings
bank / current account is not with SBI, the amount shall be credited in
a. Branch BGL Account, i.e. System Suspense Account Originating Credit- (98533).
b. Paid through NEFT/RTGS to borrowers account.
c. Made as banker’s cheque and kept with the Branch.
d. Credited back to the Government account.

15. Based on the Policy on Resolution Framework for Covid-19 related stress based on
RBI Guidelines. The following facilities are permissible under the Resolution Framework
for borrowers having Working Capital Facilities
a. Irregular portion of Working Capital may be converted to WCTL repayable in

maximum 2 years.
b. Irregular portion of Working Capital may be converted to WCTL repayable in
maximum 3 years.
c. Irregular portion of Working Capital may be converted to WCTL repayable in
maximum 5 years.
d. Should be co terminus with the loan tenor.
16. Penal Interest for non renewal /expired ECR is
a. 0.25%
b. 0.20%
c. 1%
d. No penalty applicable.
17. Erosion in the value of security can be reckoned as significant when the realisable
value of the security is less than 50% of the value assessed by the bank or accepted by
RBI at the time of last inspection, as the case may be. Such NPAs may be straightaway
classified under doubtful category. To comply these guidelines, arrear condition
_____________ has been set in CBS for tracking the security erosion.
a. 909
b. 711
c. 703
d. 653
18. GST Return GSTR 3 consists of
a. Monthly Summary of sales and purchases along with tax liability.

b. Monthly return that summarises the details of Purchases of taxable goods and/ or
services.
c. Monthly return that summarises all Sales (outward supplies).

d. All the three.
19. GSTR 9/ GSTR 9A are returns
a. The annual returns, for validating Sales/ Purchases data.
b. The half-year returns, for validating Sales/ Purchases data.
c. The quarter returns, for validating Sales/ Purchases data.
d. No such return.
20. It has now been decided by the Appropriate Authority that the GST returns shall be
obtained from Borrowers enjoying Working Capital Exposure (FB+NFB) of Rs.50 crore
and above from the banking system,
a. At half-yearly intervals.
b. At annual intervals.
c. Monthly interval.
d. Only at the time of review/renewal.
21. On account of COVID-19 pandemic, RBI has revised its instructions on LEF
pertaining to Bank’s exposure to a Group of connected counterparties. In view of the
above, the Competent Authority has approved the increase in Bank’s exposure to a
Group of connected counterparties from 25% to 30% of the Tier 1 Capital of the Bank.
The increased limit will be applicable up to
a. June 30, 2021.

b. September 2020.
c. December 2020.
d. September 2021.
22. All Non-Performing Assets shall be assigned with the rating of SB-16 directly or to
respective default grades in case of other rating/scoring models. In such cases, regular
CRA exercise is not required to be carried out. However, when the status of the account
is upgraded to standard.

a. CRA rating of the borrower should be made SB15 till dynamic rating / full-
fledged CRA is completed.
b. CRA rating is SB 16
c. Account can be treated as standard.
d. None of these.
23. Dynamic Review of Internal Rating of borrowers who are enjoying aggregate limits
of ___________________________ and above in all Business Groups, including those
in IBG, is to be ensured at half yearly intervals (without trigger).
a. Rs 500 crores
b. Rs 250 crores
c. Rs 50 crores
d. Applicable only for exposure with fund-based facilities.
24. Ordinarily, no fresh finance should be considered either to the existing unit or to any
new unit being promoted by the same promoters / guarantors whose loans were settled
with our Bank or with other Banks/FIs. However, in exceptional cases, fresh finance
may be considered by the sanctioning authority after a minimum cooling period of
______________ from the date of settlement of compromise amount in full.
a. 3 Years
b. 3. Months
c. 2 months
d. 2 years.
25. The validity of External Credit Rating is
a. 15 months from the date of rating.
b. Annual expiry date
c. Validity of loan tenor.
d. 18 months from date of rating.

ANSWER KEYS FOR SME GENERAL
1 2 3 4 5
a a a a a
6 7 8 9 10
b a c b a
11 12 13 14 15
a a b a a
16 17 18 19 20
b b a a a
21 22 23 24 25
a a a a a

SME ASSET PRODUCTS
1. In Asset Backed Loan, LTV ratio to be maintained for the aggregate limits (FB+NFB)
@ __% of the realizable value.
a. 40%
b. 60%
c. 65%
d. 75%
2. In Asset Backed Loan, type of loan is ____________.
a. Dropline OD
b. Cash Credit
c. a or b
d. None of these.
3. In Asset Backed Loan, taking over advances from other Bank, Perfection of security
is within __ days from the date of first disbursement of the loan.
a. 30 days
b. 90 days
c. 120 days
d. 365 days
4. In Asset Backed Loan, what is min and max loan limits:

a. Minimum loan amount: Rs 10 lacs and above, Maximum loan amount: Rs. 20 crores
b. Minimum loan amount: >Rs 10 lacs Maximum loan amount: Rs. 20 crores
c. Minimum loan amount: >Rs 100 lacs Maximum loan amount: Rs. 20 crores
d. Minimum loan amount: >Rs 200 lacs Maximum loan amount: Rs. 20 crores
5. In Asset Backed Loan, assessment of the credit limits Upto Rs. _ crore, working
capital credit limit to be computed at minimum 25% projected turnover, subject to cash
flow being sufficient to repay the amount OR Assessed Bank Finance can be used for
the units dealing in cold storage, export business and any other activity in which working
capital cycle is long, subject to cash flow being sufficient to repay the amount.
a. 1
b. 5
c. 2
d. 10
6. In Asset Backed Loan, limits can be sanctioned for periods ranging from __ months
to ___months with repayment on EMI basis.
a. 12, 240
b. 24,120
c. 18,160
d. 24,200
7. In Asset Backed Loan, property mortgaged needs to be within a radius of __ km from

the Branch, wherein account is maintained
a.10
b.25
c.50

d.100
8. In Asset Backed Loan, Cash Credit: To be renewed once in____ years with yearly
review for all satisfactorily conducted accounts which are not in SMA category during
the last 12 months.
a. 1
b. 2
c. 5
d. 12
9. In Asset Backed Loan, enhancement of limit, CRA of the borrowing unit is ___ or
better and conduct of account is fully satisfactory.
a. SB 6
b. SB 8
c. SB 9
d. SB 12
10. In ABL CRE-CP, LTV ratio has to be maintained for the aggregate limits (FB+NFB)
@ __% of the realizable value,
a. 50
b. 75
c. 90
d. 100
11. In ABL CRE-CP, type of facility is ____________
a. Dropline OD
b. Cash Credit
c. a or b
d. Term Loan.

12. In ABL CRE-CP , minimum loan amount: >Rs.___lacs , maximum loan amount: Tier
IV,V, VI Branch: Rs.___Crores
a. 10 lacs, 5 crore
b. 10 lacs, 15 crores
c. 10 lacs, 1 crore
d. 10 lacs, 50 lacs
13. In ABL CRE-CP , limits can be sanctioned for period of ___months to ___ months
a. 12,72
b. 12,60
c. 12,120
d. 12,36
14. In ABL CRE-CP, Cash Flow statement for Builder Finance on ____ basis
a. Monthly
b. Quarterly
c. Annually
d. Half Yearly
15. In ABL-RH, LTV ratio has to be maintained for the aggregate limits (FB+NFB) @
____%
a. 40
b. 50
c. 60
d. 65
16. In ABL -RH , type of facility is ____________ .
a. Dropline OD
b. Cash Credit

c. a or b
d. Term Loan.
17. In ABL -RH , minimum loan amount: Rs.__ lacs.
a. 25
b. 50
c. 75
d. 100
18. In ABL-RH, the limit will be fixed at ____% of Peak deficit for the project.
a. 25
b. 50
c. 75
d. 100
19. In ABL-RH, limits can be sanctioned for a period of __months to __ months
a. 12,72
b. 12,84
c. 12,60
d. 12,180
20. In e- DFS ( ELECTRONIC DEALER FINANCE SCHEME) Bank will finance ___%
invoice amount.
a. 25
b. 50
c. 75
d. 100
e. As per sanction terms
21. In e- DFS ( ELECTRONIC DEALER FINANCE SCHEME) which type of mode Bank
will consider:
a. Push mode
b. Pull mode
c. Either a or b

d. Term loan
22. In LEASE RENTAL DISCOUNTING SCHEME, all SME intensive branches to

handle proposals up to the cut off for R&DBG i.e., up to Rs.___cr
a. 5
b. 10
c. 25
d. 50
23. In LEASE RENTAL DISCOUNTING SCHEME, upto Rs.50 crore, the tenor of the
loan is maximum ___ years or residual lease period considered for assessment of the
loan, whichever is less. The residual lease period should not be less than __ years.
a. 5,2
b. 10,2
c. 2,10
d. 10,5
24. In LEASE RENTAL DISCOUNTING SCHEME, above Rs.50 crore, the tenor of the
loan is maximum ___ years or residual lease period considered for assessment of the
loan, whichever is less. The residual lease period should not be less than __ years.
a. 5,2
b. 12,2
c. 2,10
d. 10,5
25. In LEASE RENTAL DISCOUNTING SCHEME , the realizable value of property to

be mortgaged should be at least ___% of the loan amount.
a. 75
b. 100
c. 143
d. 150

26. In LEASE RENTAL DISCOUNTING SCHEME, upto Rs.50 crores: Minimum __ for
the Loan (Project DSCR) should be insisted upon.
a. 1.33
b. 1.20
c. 1.10
d. 1.50
27. In Project Vivek, the Quick Renewal process envisaging renewal of working capital
limits at existing level or with enhancement (upto____%) based on __ select criteria.
a. 15,8
b. 25,12
c. 35,15
d. 50,25
28. In “Compressed Bio Gas (CBG)” under SATAT Scheme Rs.___Crores Max. (to be
handled by RDB) Above Rs.___ Crores (to be handled by CCG).
a. 10
b. 25
c. 50
d. 100
29. In “Compressed Bio Gas (CBG)” under SATAT Scheme, which type of facility is
available.
a. Term loan
b. Cash Credit
c. Either a or b
d. Overdraft
30. The maximum quantum of SME Gold loan is Rs.___ lakhs.
a. 10
b. 25
c. 50
d. 100

31. In SME Gold Loan, finance to existing MSME Units (_____________) against Gold
ornaments/ jewellery belonging to Proprietor for meeting general business purpose.
a. Proprietor Firm
b. Partnership Firm
c. Private Limited company
d. Any of the above.
32. The Review of loans under ERS covers areas of pre-sanction and sanction
processes of all Sanctions (New / Renewal / Enhancement) involving exposure above
Rs.________ Crore within ______ months of sanction.
a. 1,3 to 6
b. 2,6 to 9
c. 3,9 to 12
d. 4, 12 to 18
33. Pre-Approved Merchant Loan (PAML), Min: Rs. ___, Max. Rs._____
a. 10,000, 1 lac
b. 25,000, 5 lacs
c. 50,000, 10 lacs
d. 1 lacs, 50 lacs
34. Restructuring of stressed MSME accounts having aggregate exposure (FB+NFB

Limit) not exceeding Rs _____ crores.
a. 10
b. 15
c. 25
d. 50
35. Where the BG validity period including contracted claim period is less than a
quarter, then commissions to be recovered for actual period in multiple of months,
minimum period ____month.
a. 1
b. 2

c. 3
d. 4
36. STANDBY LINE OF CREDIT FOR MSME: Existing units having Working Capital
limits (FB+ NFB) upto Rs. ___Crs only are eligible.
a. 1
b. 2
c. 3
d. 5
37. “HEALTHCARE BUSINESS LOAN” merger of two products: “DOCTOR PLUS” &
“SBI MEDICAL EQUIPMENT FINANCE SCHEME”. Min _____ and Max _____ loan
amounts.
a. Minimum: Above Rs. 10 lacs Maximum: Up to Rs. 20 Crores

b. Minimum: Above Rs. 1 lacs Maximum: Up to Rs. 5 Crores
c. Minimum: Above Rs. 100 lacs Maximum: Up to Rs. 10 Crores
d. Minimum: Above Rs. 200 lacs Maximum: Up to Rs. 20 Crores
38. “HEALTHCARE BUSINESS LOAN” : Cash Credit facility shall be given for
maximum limit of Rs. __ Cr only, for meeting recurring expenses
a. 1
b. 2
c. 3
d. 5
39. RESTRUCTURING OF MSME ADVANCES UPTO RS 25.00 Crores, any additional

facilities sanctioned under the above MSME restructuring Scheme (i.e. other than FITL,
WCTL), the stipulation of additional capital infusion of ____% by the borrower would
continue.
a. 5
b. 10
c. 15
d. 25

40. SBI FLEET FINANCE SCHEME” TIE-UP with TATA MOTOR FINANCE LIMITED
(TMFL), Min.: Rs.___lacs, Max.: Rs.___Crs.
a. 10,10
b. 25,25
c. 50,50
d. 100,100
41. In “SBI CORPORATE HOME LOAN”, repayment tenure is ___years (Maximum)

including moratorium period.
a. 10
b. 12
c. 15
d. 25
42. In CGTMSE , Maximum extent of Guarantee where credit facility is for Micro
Enterprises upto Rs 5 lakh
a. 85% of the amount in default subject to a maximum of Rs. 4.25 lakh

b. 75% of the amount in default subject to a maximum of Rs.37.50 lakh
c. 80% of the amount in default subject to a maximum of Rs.40 lakh
d. 50% of the amount in default subject to a maximum of Rs.50.00 lakh
43. In CGTMSE, Maximum extent of Guarantee where credit facility to Women

entrepreneurs/ Units located in North East Region (incl. Sikkim) (other than credit facility
up to 5 lakh to micro enterprises) upto Rs 50 lakh

44. In CGTMSE, Maximum extent of Guarantee where credit facility to Retail Traders up
to Rs.100 lakh to MSE borrower


45. Annual Guarantee Fee (AGF) for all loans (CC & TL) sanctioned on or after
01.07.2017 (irrespective of the amount, including renewal of Cash Credit facilities) must
be borne by the _____________.
a. Borrower
b. Bank
c. Bank and Borrower on 50% sharing basis
d. Nil
46. SMEe-SMART SCORE UNDER CONTACTLESS LENDING PLATFORM (CLP), the

applicant must obtain a minimum overall score of ____% with a minimum of ___%
under each sub-head like Personal Details, Business Details, Collateral Details of our
internal scoring model.
a. 60,50
b. 50,50
c. 50,60
d. 60,60
47. The objective of Stand Up India scheme is to facilitate sanction of bank loans above
Rs. ____lakhs upto Rs. ___ crore to atleast one Scheduled Caste (SC) or Scheduled
Tribe (ST) borrower and at least one women borrower per Bank branch for setting up a
Greenfield enterprise
a. 1,10
b. 10,1
c. 2,2
d. 5,5
48. Repayment for STAND UP INDIA Scheme is ____ years.
a. 3
b. 5
c. 7
d. 9
49. Loan accounts, referred to as Credit Auditable Accounts (CAAs) with exposure of
above Rs._____ crore, associates of CAAs (irrespective of exposure) and LC Bill
Discounting Limits (whether sanctioned as part of existing limits or on stand-alone
basis) in respect of domestic branches.
a. 5

b. 10
c. 20
d. 25
50. In cases of NPAs with balance of Rs. ___crores and above, stock and receivable
audit at annual intervals by empaneled Stock and Receivable Auditors is to be got done
in order to enhance the reliability on stock valuation.
a. 1
b. 2
c. 5
d. 10

ANSWER KEY FOR SME ASSET PRODUCTS
1 2 3 4 5
b c a b b
6 7 8 9 10
a b b b a
11 12 13 14 15
a a a b c
16 17 18 19 20
d b c b d
21 22 23 24 25
c d b b c
26 27 28 29 30
b a c c c
31 32 33 34 35
a a b c a
36 37 38 39 40
d a b c c
41 42 43 44 45
c a c d a
46 47 48 49 50
a b C c c

AGRICULTURE
1. The concept of Farmers Club was initiated by ________ .
a. RBI
b. NABARD
c. SBI
d. Govt of India
2. Who decides the rules and regulations for SHG ?
a. The facilitator (who forms the group)

b. The banker
c. The leader of the group
d. All the members of the group
3. Who among the followings is eligible for finance under Agri clinic and Agri Business
centre?
a. Graduates in Agriculture and Allied subjects from state/central universities

b. Diploma in Agriculture and Allied subjects from state/central universities
c. Science graduates with Post Graduation in Agriculture and Allied subjects
d. All of these
4. Composite subsidies for general candidates, in the revised 'Scheme for Agri Clinic and
Agri Business Centers is @ ____ of total fund outlay.
a. 25%
b. 36%
c. 40%
d. 44%
5. Cage system is ideal for rearing
a. Broilers
b. Layers
c. Breeding stocks
d. Turkeys

6. Under Broiler Plus the maximum loan per individual is
a. 9 lacs
b. 10 lacs
c. 2 lacs
d. 5 lacs
7. Poultry sheds should be constructed ______ orientation to get sufficient sun light.
a. East-West
b. North -South
c. North East-South West
d. No such Orientation
8. Minimum ________ distance should be maintained between two layers sheds
a. 80 feet
b. 70 feet
c. 100 feet
d. 120 feet
9. Average lactation period is days & dry period is days in case of buffaloes
a. 120 days, 270 days

b. 270 days, 120 days
c. 270 days, 100 days
d. 240 days , 120 days.
10. A minimum distance of ______ meters should be maintained between two poultry farms
a. 250
b. 500
c. 1000
d. 1.50 km
11. In dairy, space requirement for each cow is ____ sq feet
a. 40 sq ft
b. 60 sq ft
c. 120 sq ft
d. 100 sq ft.

12. ATM card can be provided to
a. A literate KCC borrower whose account is standard

b. A literate KCC borrower with sanction limit of Rs 25,000/- and above
c. A literate KCC borrower with sanction limit of Rs 1lakh and above
d. Any borrower availing KCC
13. Cheque book can be provided to
a. A literate KCC borrower

b. A literate KCC borrower with sanction limit of Rs 25,000/- and above
c. A literate KCC borrower with sanction limit of Rs 1 lakh and above
d. Any borrower availing KCC
14. Repayment of Crop loan/KCC should be ______
a. Quarterly
b. Half Yearly
c. Linked with Harvesting and Marketing of the crop
d. None of these.
15. The credit limit of borrower under the revised KCC scheme is required to be
reviewed___
a. Every Year
b. After two years
c. After Three Years
d. No Review is required.
16. Valuation of the commodity offered as primary security under Produce Marketing Loan is
arrived at as
a. Minimum support price, where-ever declared

b. Current market price
c. Price generally prevailing at the time of harvest of the commodity in the current year
d. Lowest of the three, as mentioned above
17. Produce Marketing Loan should be repaid within a maximum period of
a. 6 months

b. 12 months
c. 15 months
d. 18 months
18. Progressive farmers can be financed production credit maximum to the tune of
a. SOF recommended by DLTC/SLTC

b. 150% of SOF fixed by DLTC/SLTC
c. 200% of SOF fixed by DLTC/SLTC
d. None of these.
19. "Partnership with Growth" the tagline associated with
a. Bank Finance to SHGs

b. Bank Finance to JLGs
c. Contract farming
d. Finance to partnership Firm
20. Organic farming refers to
a. Use of organic /bio fertilizers

b. Use of bio pesticides
c. Use of GM seeds
d. a&b
21. The maximum permissible loan limit under Produce Marketing Loan per borrower is Rs
_____ .
a. 25 lacs
b. 50 lacs
c. 10 lacs
d. As per Scale of Finance.
22. What is the name of the SCHEME FOR FINANCING COMISSION AGENTS?
a. Kisan Gold Card
b. Kisan Credit Card
c. Arthias Plus
d. Commission Plus
23. Credit balances lying in the KCC account will be eligible for interest at __ .
a. 7%
b. SB rate
c. KCC rate

d. MCLR
24. Type of Loan facility to be sanctioned under SBI Asset Backed Agri Loan ____ .
a. Term Loan
b. Cash Credit
c. Drop line Overdraft
d. KCC
25. Format to be obtained for Revival Letter from Borrower in Agri advances
a. AB 1
b. AB2
c. AB3
d. AB4
ANSWER KEY FOR AGRICULTURE

1 2 3 4 5
b d d b b
6 7 8 9 10
a a b b b
11 12 13 14 15
b a b c a
16 17 18 19 20
d b c c d
21 22 23 24 25
b c b c d

NPA MANAGEMENT
1. A non-performing asset is a loan or an advance where, Interest / installment of

principal remain overdue for a period of more than ____ in respect of a term loan.
a. 30 Days
b. 60 Days
c. 90 Days
d. 120 Days
2. What is SMA-0 as per RBI definition?
a. Principal or interest payment not overdue for more than 30 days but account showing
signs of incipient stress
b. Principal or interest payment not overdue for more than 60 days but account showing
c. Principal or interest payment not overdue for more than 90 days but account showing
d. Principal or interest payment not overdue for more than 180 days but account
showing signs of incipient stress
3. When will a short duration crop loan become NPA?
a. Instalment of Principal or interest thereon remains overdue for 1 crop seasons
b. Instalment of Principal or interest thereon remains overdue for 2 crop seasons
c. Instalment of Principal or interest thereon remains overdue for 3 crop seasons
d. Instalment of Principal or interest thereon remains overdue for 4 crop seasons

4. When will a long duration crop loan become NPA?
a. Instalment of Principal or interest thereon remains overdue for 1 crop seasons
b. Instalment of Principal or interest thereon remains overdue for 2 crop seasons
c. Instalment of Principal or interest thereon remains overdue for 3 crop seasons
d. Instalment of Principal or interest thereon remains overdue for 4 crop seasons
5. Cash Credit limits if not renewed for ___________ days will turn into NPA.
a. 90 days
b. 120 days
c. 180 days
d. 270 days
6. On inspection the field officer found the realizable value of security is less than 10%
of the outstanding amount, the account shall be declared as __________________ .
a. NPA
b. Doubtful
c. Loss
d. Sub-Standard
7. For amount less than __________, SARFAESI is not applicable.
a. Rs 1.00 lakh
b. Rs 2.00 Lakh

c. Rs 5.00 lakh
d. Rs 10.00 lakh
8. If the loan outstanding is less than ___ % then SARFAESI is not applicable.
a. 10%
b. 20%
c. 25%
d. 30%
9. Authorized officer’ means an officer not less than a _______ of a public-sector bank
or equivalent, for the purpose of SARFAESI action.
a. Scale -IV Officer and above
b. Branch Manager only
c. Regional Manager and above
d. Scale-V Officer and above
10. Appropriation of recoveries in NPAs (i.e. towards principal or interest due), as per
the Bank’s extant instructions is done in accordance with which of the following priority?
a. Principal, Interest, Unrealised Interest, Charges
b. Charges, Unrealised Interest, Interest, Principal
c. Unrealised Interest, Charges, Principal, Interest
d. Charges, Interest, Unrealized Interest, Principal

11. If a bill remains overdue for more than _______ days , it will be treated as NPA.
a. 90 days
b. 120 days
c. 180 days
d. 200 days
12. When can a loan account guaranteed by Central Government be declared NPA?
a. It can not be declared NPA.
b. When the Government repudiates its guarantee when invoked.
c. As per income recognition prudential norms of RBI
d. After the approval from ECCB
13. When can a loan account guaranteed by State Government be declared NPA?
a. It can not be declared NPA.
b. When the Government repudiates its guarantee when invoked.
c. As per income recognition and prudential norms of RBI
d. After the approval from ECCB
14. On inspection the field officer found the realizable value of security is less than 50%
of the outstanding amount, the account shall be declared as __________________ .
a. NPA
b. Doubtful

c. Loss
d. Sub-Standard
15. An asset which has remained in the substandard category for a period of 12 months
shall be declared as ________ .
a. NPA
b. Sub-Standard
c. Doubtful
d. Loss
16. NPA accounts with outstanding of more than Rs 20 lakh and less than Rs 10 Cr
shall be migrated to ________ .
a. SARB
b. SAMB
c. SAMG
d. ARC
17. NPA accounts with outstanding of more than Rs 10 Cr shall be migrated to

________ .
a. SARB
b. SAMB
c. SAMG
d. ARC

18. Report of all defaulting accounts with aggregate exposure of Rs. ____ and above
has to be submitted to CRILC, on a ______ basis.
a. Rs 1.00 crore, weekly
b. Rs 5.00 crore, weekly
c. Rs 1.00 crore, monthly
d. Rs 5.00 crore, monthly
19. The Branches are required to file Original Application for recovery of Bank’s dues
before DRT in cases where total debt due from the borrower is Rs. ______ lakh and
above
a. 10.00 lakh
b. 20.00 lakh
c. 30 lakh
d. 100 lakh
20. The monetary ceiling of cases to be referred to the Lok Adalat organized by Civil
Courts is Rs. ______.
a. 10.00 lakh
b. 20.00 lakh
c. 30 lakh
d. 100 lakh
21. Notice issued under Section 13(2) of SARFAESI Act is issued against ______ .
a. Mortgaged security

b. Hypothecated security
c. Both the above
d. Only mortgaged security
22. Bank has to issue notice through paper publication within_____ days after taking the
possession of the asset under SARFAESI Act, 2002.
a. 5
b. 7
c. 15
d. 30
23. Demand notice u/s 13(2) of SARFAESI Act shall be issued by Authorised Officer in
writing to the Borrower(s)/ Guarantor(s)/Mortgagor(s) and legal heir(s) if applicable,
giving the time of _____ days to discharge the liabilities
a. 7
b. 15
c. 30
d. 60
24. Defaulter Borrower(s) with outstanding of Rs._________ and above will be declared
as Willful Defaulters in terms of the definition of Willful Default prescribed by RBI.
a. 10 lakh
b. 20 lakh
c. 25 lakh
d. 50 lakh

25. In how many days the borrower can file an application against the action taken by
the bank under section 13(4) SARFAESI Act 2002 for taking the possession of the
secured asset?
a. 15 days
b. 30 days
c. 45 days
d. 60 days
26. The ‘unsecured exposures’ which are identified as ‘substandard’ would attract
additional provision of ___percent.
a. 10
b. 15
c. 20
d. 25
27. In Standard Asset category, direct advances to Commercial Real Estate (CRE)
sectors attract a provision of ____ %.
a. 0.25
b. 1.00
c. 10.00
d. 15.00
28. In Standard Asset category, direct advances to Farm Credit & SME sectors attract a
provision of ____ %.

a. 0.25
b. 1.00
c. 10.00
d. 15.00
29. In Standard Asset category, direct advances to Residential Housing Project sectors
attract a provision of ____ %.
a. 0.75
b. 1.00
c. 10.00
d. 15.00
30. In Standard Asset category, direct advances to other sectors ( other than Farm,
SME, CRE & Residential housing) attract a provision of ____ %.
a. 0.25
b. 0.40
c. 0.75
d. 1.00
31. In Doubtful -I category, secured portion attracts a provision of ____ %.
a. 10.00
b. 25.00
c. 50.00

d. 100.00
32. In Doubtful -I category, unsecured portion attracts a provision of ____ %.
a. 10.00
b. 25.00
c. 50.00
d. 100.00
33. In Loss asset category, secured portion attracts a provision of ____ %.
a. 10.00
b. 25.00
c. 50.00
d. 100.00
34. An asset would be classified as doubtful if it has remained
a. Remained in the substandard category for a period of 12 months
b. Remained in the substandard category for a period of 24months
c. Security < 50% of outstanding amount
d. A & C above
35. Period in which Sub standard asset turns into Doubtful-3 category is
a. NPA for a period > 12 Months < 24 Months

b. NPA for a period > 24 Months < 48 Months
c. NPA for a period > 36 months.
d. NPA for a period > 48 Months
36. Stock statements relied upon by the banks for determining drawing power should
not be older than ______ months.
a.1
b.2
c.3
d. 6
37. The valuation report should be less than ____ months/year old for sale of properties
for initiating/considering under Private Treaty/SARFAESI Act 2002/Compromise
Settlement.
a. 3 months
b. 6 months
c. 1 year
d. 3 years
38. For calculation of NPV, the maximum estimated time to realize the securities may
be taken as ___ years from the date of the notice under section 13(2) in case of
SARFAESI action.
a. 3
b. 5

c. 6
d. 7
39. Provisioning is not required for __________ .
a. Standard Asset
b. It is required for all assets.
c. Standard Assets under Agri Advances
d. Standard Assets under P-Segment Advances
40. Which company purchases NPAs from the Bank?
a. Asset Reconstruction Company
b. Asset Repossession Company
c. Asset Seizure Company
d. Asset Sale Company
ANSWER KEY : NPA MANAGEMENT
1 C 2 A 3 B 4 A 5 C
6 C 7 A 8 B 9 A 10 A
11 A 12 B 13 C 14 B 15 C
16 A 17 B 18 B 19 B 20 B
21 C 22 B 23 D 24 C 25 C
26 A 27 B 28 A 29 A 30 B
31 B 32 D 33 D 34 D 35 D
36 C 37 C 38 B 39 B 40 A

DISCLAIMER
While due care has been taken to ensure correctness of the facts and figures mentioned in
the booklet, it is advised to refer to Bank Circulars/ Manuals/Instructions for any clarifications.
In case of any discrepancy, please bring to the notice of the faculties.
S.No. Name of the Faculty Email id
1. Subrata Tarafdar subrata.tarafdar@sbi.co.in
2. Smriti Sinha smriti.ahnis@sbi.co.in
3. Nikhil Kumar nikhilkumar@sbi.co.in

Prerna Sbild Siliguri

Uploaded by

Document Information

Original Description:

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Prerna Sbild Siliguri

Uploaded by

Copyright:

Available Formats

PRERNA

State Bank Institute of Learning & Development

(FOR INTERNAL CIRCULATION ONLY)

"The key to pursuing excellence is to embrace an organic, long-term

Learning, as the saying goes, is the minimum requirement for achieving

I am delighted to present yet another endeavour towards knowledge enrichment of employees

With Best Wishes,

CGM & Head (STU)

SBILD SILIGURI PRERNA 1|Page

I am delighted to present before you “PRERNA”, E-Booklet

Stay safe &stay healthy,

Ranjan Kumar Mishra

Chief General Manager

SBILD SILIGURI PRERNA 2|Page

The Human evolution is the stories of aspirations, valour, toils

With best wishes and warm regards,

DGM & Circle Development Officer

SBILD SILIGURI PRERNA 3|Page

“Learning is not attained by chance. It must be sought for with ardour

Promotion improves the ambition of employees and boosts their passion

SBILD SILIGURI PRERNA 4|Page

Sl No. Topics Page

SBILD SILIGURI PRERNA 5|Page

SBILD SILIGURI PRERNA 6|Page

SBILD SILIGURI PRERNA 7|Page

(For evaluating comprehension skill and communication skill).

SBILD SILIGURI PRERNA 8|Page

SBILD SILIGURI PRERNA 9|Page

SBILD SILIGURI PRERNA 10 | P a g e

Government Business, Cross Selling Products and Financial 15 7.5

Macro- economic Environment/ General Awareness 10 5

Pre sanction / post sanction processes & NPA management in 15 7.5

Total (Duration: 120 minutes) 140 70

For & Against 4 out of 6 8

Situational Analysis 2 out of 3 6

Business Correspondence 1 out of 2 4

Total Descriptive (Total duration: 60 minutes) 30

SBILD SILIGURI PRERNA 11 | P a g e

SBILD SILIGURI PRERNA 12 | P a g e

SBILD SILIGURI PRERNA 13 | P a g e

2. Which of the following is not one of the stages of money laundering?

3. Which of the following is INCORRECT with regard to criteria for acceptance of

SBILD SILIGURI PRERNA 14 | P a g e

8. Which of the following is categorised as High Risk Customers?

SBILD SILIGURI PRERNA 15 | P a g e

SBILD SILIGURI PRERNA 16 | P a g e

SBILD SILIGURI PRERNA 17 | P a g e

SBILD SILIGURI PRERNA 18 | P a g e

Laundering Act, 2002 (PMLA)

with Central KYC Records registry (CKYCR) within

23. Full form of CIDR

24. The correct sequence of stages of money laundering is?

a. Placement; Integration; Layering

b. Integration; Layering; Placement

c. Layering; Integration; Placement

SBILD SILIGURI PRERNA 19 | P a g e

d. Rs 20 lacs and above

d. As per turn over

27. Punishment for offence of money laundering is

a. not less than 3 years but extendable up to 7 years

b. not less than 5 years but extendable up to 9 years

c. not less than 5 years but extendable up to 7 years

d. not less than 3 years but extendable up to 5 years