Promotion Practice Set

INDEX
S. No. PARTICULAR Page No.
1. Practice Set-1 1
2. Practice Set-2 11
9. Answer Key 86
PRACTICE SET-1
1. Under FLR Scheme, in case of lessees being Govt. departments / PSUs, the total period considered
for arriving at loan amount shall not exceed 12 years.
a. True b. False
2. Under Prime Plus Scheme, Minimum Collateral security is required for Manufacturing Sector.
a. 30%
b. 35%
c. 40%
d. 50%
e. 75%
3. W.r.t. takeover which of the following is not to be considered as takeover:

a. Increase our share by taking over part of existing exposure amount of other bank
b. Increase our share by taking over whole of existing exposure amount of other bank
c. Enter by taking over part of existing exposure amount of other bank
d. Enter by taking over whole of existing exposure amount of other bank
e. Join as additional member to take additional exposure
4. Which of the following is not included in Unified Processing Fees?

a. CERSAI Charges
b. Documentation Charges
c. NEC Charges
d. Valuation Charges
e. CIC Charges
5. Penal interest to be charged for the period for which the external credit risk rating is not available /
expired in the borrowal account @ 1.00% on sanctioned limit.
a. True b. False
6. As per Risk & Compliance Culture Policy of the bank, to promote a sound culture, the Board shall
reinforce the “tone at the top” by:
a. Playing a lead role in establishing the bank’s culture and values by defining the code of conduct and
ethics.
b. Confirming that the code of conduct is communicated throughout the bank. Confirming that learning
programs are developed for all employees to reinforce desired values, conduct and ethics.
c. Confirming that employees, including senior management, are aware that appropriate disciplinary
or other actions will follow, for unacceptable behaviours
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d. ensuring that assessment of adherence to bank’s values and desired conduct is factored in extant
performance appraisal system of each employee throughout the bank.
e. All are true
7. Under Reputational Risk Assessment Framework, Peer group for the Bank has been defined based on
Business and Balance sheet size. Peer banks considered for PNB are:
i) SBI ii) Bank of Baroda iii) Canara Bank iv) Union Bank of India v) Bank of India vi) HDFC Bank vii)
ICICI Bank viii) Axis Bank
Out of the above banks which bank is recently added for the purpose of assessment of Reputation Risk:
a. Axis Bank
b. ICICI Bank
c. Canara Bank
d. Bank of India
e. None of these
8. A company has decided to purchase insurance. What method of reducing operational risk exposure are
they using:
a. Risk avoidance
b. Risk reduction
c. Risk retention
d. Risk transfer
e. None of these
9. As per valuation policy, for the purpose of calculating the valuation fees, market value of the asset shall
be considered.
a. True b. False
10. As per Policy for Interest Rate on Advances for FY 2022-23, which of the following statement is true:
a. All MCLR based floating rate loans shall be linked with maximum 1 year MCLR and the reset period
shall also correspond to the tenor/maturity of the MCLR to which the loan is linked. (i.e. advances
linked with 1 year MCLR shall have 1 year reset & advances linked with 3 month MCLR shall be
linked with 3 month reset).
b. HOCAC-III shall be empowered to allow MCLR of lower maturity in case of sanctions up to its vested
powers and MC sanctions. Further, HOCAC-II shall be empowered to allow MCLR of lower maturity
in case of sanctions up to its vested powers
c. The change in tenor of MCLR will be allowed on reset date. However, no frequent switchover shall
be allowed, especially in rising interest rate regime. (Maximum once in a year)
d. In all RLLR based loans, Mark-up component for existing borrowers will be reset every three years
from the date of opening of the account
e. All are true

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11. In case of Central & State Government undertakings & PSUs, _______be empowered to accept any
methodology including MPBF, Assessed Bank Finance (ABF), Cash Budget and Cash deficit/Cash flow
mismatch for assessment of working capital requirement, as per specific business model & operational
requirements of the borrower.
a. HOCAC-I & above
b. HOCAC-II & above
c. HOCAC-III & above
d. MC
e. None of these
12. Timelines for obtainment of LEI from non-individual borrowers having total exposure from banking
system from ₹5 crore to ₹10 crore:
a. 30.04.2023
b. 31.03.2024
c. 30.04.2024
d. 31.03.2025
e. 30.04.2025
13. To ascertain the position of aggregate banking exposure, Lenders may ascertain this information:
a. Based on information available either with them,
b. CRILC database
c. Declaration obtained from the borrower
d. Any one from a , b or c
e. None of these
14. Exposure in IBPC portfolio (excluding exposure to bank’s sponsored RRBs) of the bank shall be capped
to _____ of total advances of previous quarter on an ongoing basis.
a. 5.00%
b. 7.50%
c. 10.00%
d. 12.00%
e. None of the above
15. A report on Customer Profile has been customized wherein details of Customer, Facilities (both Asset
& Liability), Interest Received, Interest Paid, Turnover, Forex Turnover for Previous and Current Year
can be generated using the Customer ID of the borrower. The report may be utilized in the pre-sanction
appraisal & post sanction monitoring of Borrowal accounts. This report is available in:
a. PNB EDW 2.0>> PNB 2.0 Reports>> IRMD>> IRMD 011
b. PNB EDW 2.0>> PNB 2.0 Reports>> MISD>> MISD 011
c. PNB EDW 2.0>> PNB 2.0 Reports>> SMEAD>> SMEAD 011

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d. PNB EDW 2.0>> PNB 2.0 Reports>> MPD>> MPD 011
16. Who is the competent authority for sanctioning of clean OD in saving accounts except for schemes with
inbuilt OD facility/ scheme specific reasons.
a. PLP Head based on recommendation of Branch Head

b. Dy. Circle Head based on recommendation of Branch Head
c. Circle Head based on recommendation of Branch Head
d. CHCAC based on recommendation of Branch Head
17. Recently MCA has amended definition of Small Company. The threshold limit of paid-up capital and
turnover for the small company has been increased to:
a. ₹ 3 crore (earlier ₹2 crore) and ₹30 crores (earlier ₹20 crore) respectively.
b. ₹ 4 crore (earlier ₹2 crore) and ₹40 crores (earlier ₹20 crore) respectively.
c. ₹ 5 crore (earlier ₹2 crore) and ₹50 crores (earlier ₹20 crore) respectively.
d. ₹7.50 crore (earlier ₹2 crore) and ₹50 crores (earlier ₹20 crore) respectively.
18. As per Revenue Audit Policy, all out efforts should be made to recover the undercharges, if any, during
the course of revenue audit itself. Undercharges otherwise must be recovered within ____from the date
of receiving the revenue audit report at the branch:
a. 7 days
b. 15 days
c. 30 days
d. Immediately
19. Who is the Competent Authority to cover eligible loan of ₹100.00 Lakh under CGTMSE guarantee
coverage?
a. Respective Sanctioning Authority
b. Circle Head
c. Dy. Zonal Head
d. Zonal Head
e. None of these
20. Which of the following is true w.r.t. assessment of Cash Credit under MUDRA scheme:
a. For loan below ₹2.00 Lakh, limit shall be assessed based on 20% of realistic projected turnover.
b. No margin criteria is applicable for limit below ₹2.00 Lakh
c. For loan ₹2.00 Lakh and above, limit shall be assessed based on 20% of realistic projected turnover
after ensuring minimum margin of 5%.

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d. For loan ₹2.00 Lakh and above ,if the margin available is higher, Working Capital limit shall be
reduced accordingly (False)
e. All are true
21. Under MUDRA scheme what will be the margin for term Loan of ₹5.00 Lakh
a. NIL
b. 5%
c. 10%
d. 15%
e. 20%
22. Borrowal accounts having Credit Risk Rating B2 & below, which are presently covered under any other
Schemes of the Bank can be considered under MSME PRIME PLUS
a. True b. False
23. With regards to QAB under PNB Insta Loan-PAPL to pensioners scheme which of the following is true?
a) For loans upto ₹ 5.00 lakh, No minimum QAB is required
b) For loans upto ₹ 5.00 lakh, No minimum QAB is required
c) For loans above ₹ 5.00 lakh, Minimum QAB required is ₹10000 for last 4 quarters.
d) All of the above
e) None of the above
24. Under Krishak Unnatti Yojna – Krishak Unnatti component will be valid for a period of 3 years, subject
to annual review.
a. True b. False
25. Which statements are true wrt BHIM PNB ?
a) Debit Card linked with the account is required for setting UPI Pin, for transaction.
b) Other Bank Customers can also download.
c) Max Amount per transaction/Per Day ₹01 Lakh, for P2P and P2M
d) Maximum Per Transaction Value Limit is ₹5 Lakh for certain Verified Merchants.
e) All are True
26. For Credit Card against FDR ,which statements are true ?
a) Limit will be 80% of FDR, Minimum FDR amount ₹13000/-.
b) Minor, Joint deposit with Minor is not eligible
c) No Income proof / No upper Age limit
d) Not for Tax Saver/Capital gain FDR

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e) All are True
27. Which of the following is true regarding PNB Tatkal Scheme?

a. Under the scheme loan limit shall be From ₹1.00 lacs to ₹ 25.00 lacs
b. All Loans should invariably be covered under CGTMSE / CGTSSI.
c. Permissible Bank Finance shall be calculated by psbloansin59minutes.com portal based on the in-
built method of computation of MPBF
d. Financial Ratios for Working Capital : Current Ratio: 1.10 (minimum) and for Term Loan: Debt
Service Coverage Ratio (DSCR):1.25 (minimum). The ratios will be ascertained by
psbloansin59minutes portal and the same shall get reflected in the CAM report. Ratios will not
require to be re-assessed by the Bank officials.
e. All are true.
28. For considering PNB Home Loan minimum acceptable Credit Vision (CV) score of CIBIL is 650.
a. True b. False
29. What is the minimum amount of loan that can be considered against Sovereign Gold bond:
a. ₹10,000/-
b. ₹25,000/-
c. ₹50,000/-
d. ₹1,00,000/-
e. None of these
30. Which of the following forms part of ANBC?

a) Bills Rediscounted with RBI and other approved Financial Institutions.
b) Bank Credit in India [As prescribed in item No.VI of Form 'A' under Section 42 (2) of the RBI Act,
1934].
c) Investment made by public sector banks in Recapitalization Bonds floated by Government of India.
d) Eligible advances extended in India against the incremental FCNR (B) / NRE deposits, qualifying
for exemption from CRR / SLR requirements.
e) All of the Above
31. Which is the feature of Rakshak Plus Debit Card ?
a) Rakshak Plus Debit Card can be issued to defence personnel having saving account with us.
b) Rakshak Plus Debit Card can be issued to defence personnel having saving account in Rakshak
Plus with us in which salary is being credited.
c) Rakshak Plus Debit Card can be issued to defence personnel having saving account with us
under Rakshak Plus Scheme.

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d) Rakshak Plus Debit Card can be issued to any defence personnel having saving account with
us even if salary account is with other bank.
32. Which of the following is true w.r.t. Mortgage Creation Charges?

a. For loan Up to ₹10.00 Lakh charges are Nil, Minimum and maximum charges are ₹5000/- and
₹25,000/- respectively.
b. Mortgage charges are applicable per instance irrespective of the number of title deeds
c. Mortgage creation charges will not be applicable in case of Retail Loans
d. When mortgage is created for collateral security over and above the minimum prescribed level as
per bank schemes/guidelines, the sanctioning authority may waive the charges on case to case
basis.
e. All are true
33. Which of the following is true w.r.t. QMS Exemption:

a. Borrowers in Tea Industry are exempted from the purview of QMS
b. In case the borrower belongs to industries / sectors such as Leasing & Hire Purchase, Sugar industry,
Film industry, IT Software, Ship Breaking Industry, Services Sector, Construction sector wherein
limit is arrived on the basis of Cash Budget System, QMS shall not be obtained
c. In Accounts of Central / State Govt. / Govt. Undertaking / PSUs, relaxation in obtention of QMS may
be considered
d. In other borrowal accounts , delegated authority for relaxation / exemption in obtention of QMS
shall be ZOCAC & above
e. All are true
34. Which of the following is true w.r.t. Group Risk Management Philosophy & Policy for FY 2022-23:
a. As and when the requirement of capital infusion to group entities arises, the same shall be assessed
properly and communicated to Finance division, SMEAD and IRMD.
b. Finance division shall further assess the impact of such capital infusion on parent entity (PNB).
c. SMEAD shall factor the capital support to group entities while undertaking the capital planning
exercise of the Bank.
d. IRMD shall incorporate the impact of such capital requirement/infusion in ICAAP document / stress
test exercise of the Bank.
e. All are true

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35. Risk Management Committee of the Bank shall promote a strong risk culture by Effective
Communication & Challenge through:
a. Ongoing communication about risk issues throughout the bank;
b. Ongoing communication about the bank’s risk strategy, throughout the bank;
c. Promoting risk awareness including encouraging open challenge / communication about risk-taking
across the organisation as well as vertically to and from the Board;
d. Ensuring that the first line of defense actively communicates / consults with the second line of
defense on management’s major plans and activities so that the functions can effectively discharge
their responsibilities;
e. All are True
36. Which of the following is not true w.r.t. Disclosure Policy:
a. There are total 18 Pillar3 disclosure out of which Public Sector Banks are required to make the 17
disclosures under Basel-III norms
b. Out of 17 disclosures, 3 to be made on a quarterly basis and rest at least on a half yearly basis, both
qualitative and quantitative
c. The Disclosure Committee may delegate the day to day management of its
responsibilities/secretarial work to any officer not below the level of scale-V from Finance Division,
who shall also act as convener to the Committee.
d. The Disclosure Committee shall meet at least on quarterly basis or before, if the circumstances
require so, preferably after close of each financial year
e. All are true
37. Which of the following is not true w.r.t. revaluation of immovable property under PNB Home Loan,
a. In case of standard accounts, revaluation of immovable property irrespective of limits is not
required.
b. For NPA Accounts, the revaluation is to be got done as per extant guidelines
c. if the borrower approaches for top-up facility or any other credit facility (Other than Home Loan),
Valuation /Revaluation will be obtained as per extant guidelines
d. If the Home Loan is sanctioned for construction of house, valuation of the property may be done
after obtaining completion certificate from competent authority viz municipal corporation,
development authorities etc. and in case of individual construction, Bank’s empanelled valuer
certifying that construction is as per the approved plan.
e. All are true

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38. Revaluation of IPs mortgaged in Educational Loan may be discontinued once the repayment starts, till
the status of account is standard. However, if the mortgage of IP is extended to other credit facility
/borrower approaches for other credit facility against security of same IP, the IP should be revalued as
per existing guidelines.
a. True b. False
39. As per Valuation Policy, If construction is not as per the approved plan, the distress value of land shall
be accepted in such cases. Also, guidelines as applicable to valuation of land shall be followed.
a. True b. False (realizable value of land shall be accepted)
40. As per Valuation Policy ,in any eventuality where construction is as per approved plan, but some
portion or floor has been identified as unauthorised, and bank approved valuer confirms that in case
of demolition of unauthorized construction, the approved portion shall remain intact, the value of the
approved construction and the land as assessed by approved valuer can be accepted.
a. True b. False
41. What is Maximum overdraft limit in PNB Agni Rakshak for Agniveers :
a) ₹25000/-
b) ₹50000/-
c) ₹5000/-
d) ₹10000/-
e) ₹15000/-
42. For the purpose of classifying an account as ‘inoperative’ which type of transactions is not to be
considered and the account will fall under the inoperative category?
a) Debit Transaction
b) Credit Transaction
c) Third Party Transaction
d) Interest Transaction
43. The minimum and maximum tenor of FD in PNB Prudent Sweep Account for Individuals:
a) 46 Days & 179 Days
b) 46 Days & 365 Days
c) 46 Days & 2 Years
d) 46 Days & 3 Years
e) 46 Days & 181 Days
44. Mutual funds are regulated by:

a) AMFI
b) SEBI

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c) RBI
d) PFRDA
45. SMERA Ratings has been renamed as :
a) ONICRA Credit Rating Agency
b) Credit Analysis and Research Ratings
c) Acuité Ratings & Research Limited
d) Investment Information and Credit Rating Agency
46. Which of the following is not true w.r.t. PNB myBiz Plus (Smart Banking Current Account Scheme) is:
a) Tenor of FFD: 7 days to 1 year
b) Amount of FFD: in multiple of ₹10,000/- as per mandate of the Customer
c) Sweep out shall be 4 times in month (1st to 31st) as per mandate of Customer
d) A new menu “SWEEPFR” has been customized in CBS for feeding Auto Sweep dates as per
mandate given by customer
e) All are true
47. The Bank is offering PNB Credit Card on RuPay and VISA platforms to individuals and Corporate Credit
Cards to employees/ executives of Corporate. The validity period of the Credit Card shall be:
a) Upto 3 years
b) Upto 5 years
c) Upto 7 years
d) AS per choice of customer
48. In case of Dishonour of NACH (ECS), if a Base Branch is not in a position to debit a particular transaction
for insufficiency of funds, it should report the same with a Return Memo to the Service Branch/Main
Branch on the same day with the details of failed NACH(ECS), in any case not later than _____of the
returned /un-debited NACH(ECS) processed in the Clearing House
a) 24 Hours b) 36 Hours c) 48 Hours d)60 Hours e) None of the above
49. Ceiling for Co Lending Limit for “A” rated NBFCs:

a) ₹500/- Crore
b) ₹1000/- Crore
c) ₹1500/- Crore
d) ₹2000/- Crore
50. As per Social Media Policy, Nodal Officers at HO Divisions must acknowledge the queries & complaints
forwarded to them through Social Media Cell or through Complaint Portal within:
a) 24 Hours
b) 36 Hours
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c) 48 Hours
d) 60 Hours
PRACTICE SET-2
1. If an account is sanctioned under MSME Prime Plus Scheme and at the time of renewal of the borrowal
account, the rating goes down to B2 and below. Account can be renewed under MSME PRIME PLUS
Scheme.
a. True b. False
2. Recently which of the following scheme is Integrated on Jansamarth Portal with PNB LENS.
a. PM SVANIDHI
b. PMMY
c. StandUp India Scheme
d. Weaver Mudra Schemes
e. All are integrated with LenS
3. What is the minimum and maximum Loan Amount under 3rd Tranche of PM SVANidhi:
a. Minimum ₹25,000/-, Maximum ₹40,000/-
b. Minimum ₹30,000/-, Maximum ₹50,000/-
c. Minimum ₹35,000/-, Maximum ₹50,000/-
d. Minimum ₹40,000/-, Maximum ₹50,000/-
e. None of these
4. Under FLR Scheme, Lease hold property may be considered if it is owned by Central Government/ State
Government / Other Government bodies, subject to satisfactory legal opinion on the original lease deed
which conveys the leasehold rights. NOC / Mortgage permission from these authorities is to be obtained,
wherever necessary. In this regard which of the following conditions shall be adhered to:
a. Accepting of such lease hold property shall be restricted to TIER-I cities.

b. The residual lease period is at least 3 years or more than the loan repayment period.
c. There are no disputes relating to the lease or its extension / Lease amount etc.
d. Lease deed should confer alienation right to the lessee for mortgaging the leasehold rights to the
bank i.e., to ascertain whether the terms of lease permit the borrower to assign or transfer the
leasehold rights in the land by way of a mortgage
e. All are True
5. Which of the following is not true regarding PNB GST Express Scheme?
a. MPBF for Cash Credit Facility shall be allowed based on 25% of the sales reported in the GST
returns in the last one year (last 12 months). Wherever GST returns have been filed for less than
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one year, MPBF shall be arrived based on 25% of the annual sales after annualising GST returns
filed for that period provided customer has filed minimum GST returns of the last 6 months.
b. Minimum 100% Collateral security in the shape of SARFAESI compliant immovable property or
Bank approved liquid security. In case 100% collateral is not available, Minimum 50% Collateral
in the shape of SARFAESI compliant immovable property or Bank approved liquid security.
Remaining exposure shall be secured by CGTMSE guarantee coverage under Hybrid Model.
c. Collateral Linked Concession (0.50% to 1%) shall be allowed under the scheme.
d. Benchmark ratio as per IRMD guidelines shall be complied.
e. All are true
6. For considering Home Loans, borrowers whose CV score is less than 680, the sanctioning authority at
field level (i.e. Branch /PLP) may consider the Home Loan subject to certain conditions. Out of these
conditions which of the following is not true :
a. The aggregate amount of default except credit card default in regard to all the credit facilities
provided by the other banks/NBFCs should be less than ₹25,000/-.
b. Default/irregularity should be at least 6 months prior to the date of current application for Home
Loan
c. Current CIBIL CV score of the borrower shall not be below 600.
d. If the above conditions (1,2, and 3) are not fulfilled CHCAC & above may consider the proposals in
their vested loaning powers having CV score below 680 but above 600 on merits of the case.
e. All are true
7. Which of the following is true w.r.t. PAPL to existing Car loan, Home loan and Personal loan borrowers:
a. Extant of Loan shall be Minimum: ₹ 0.50 lakh, Maximum ₹8.00 lakh (A) or 100% of difference
between loans disbursed & Present outstanding of Car loan, Home Loan & Personal loan. (B)
whichever is lower between (A) & (B)
b. Loan allowed for CIC score 750 and above
c. For loans upto ₹4.00 lakh, no documentation is required.
d. In case of joint account Holder, first borrower will only be eligible for digital personal loan.
e. All are true
8. Under PRE-APPROVED PERSONAL LOAN TO PNB EXISTING CUSTOMERS, what is the minimum and
maximum amount of loan.
a. Minimum: ₹ 0.25 lakh Maximum ₹ 4.00 lakh
b. Minimum: ₹ 0.35 lakh Maximum ₹ 5.00 lakh
c. Minimum: ₹ 0.25 lakh Maximum ₹ 8.00 lakh
d. Minimum: ₹ 0.35 lakh Maximum ₹ 8.00 lakh
e. None of these
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9. Under PRE-APPROVED PERSONAL LOAN TO PNB EXISTING CUSTOMERS ON THE BASIS OF
QUARTERLY AVERAGE BALANCE (QAB), what is the QAB amount:
a. Consistent QAB for last 6 months should be >= 1 lakhs (2 quarters)
b. Consistent QAB for last 12 months should be >= 1 lakhs (4 quarters)
c. Consistent QAB for last 6 months should be >= 2 lakhs (2 quarters)
d. Consistent QAB for last 12 months should be >= 2 lakhs (4 quarters)
e. None of these
10. Under PRE-APPROVED PERSONAL LOAN TO PNB EXISTING CUSTOMERS ON THE BASIS OF
Transactional Relationship Value (TRB), which of the following is not true:
a. Operative Saving Accounts customers with at least 1 year of account relationship with the Bank
b. Customer Age group between 18-60 years
c. Minimum amount of ₹ 20,000/-* (in multiple entries during a calendar month) is credited in the
operative saving account of the customer for last 10 months out of last 12 months. Credit for any
two months out of last three months are mandatory.
d. Exclude last 12 months SMA-1/SMA-2/NPA customer.
e. Customers meeting CIBIL threshold (CIC 750, -1/0 CIC score)
11. In order to provide quick sanction to existing borrowers, our bank has launched new variant of PNB
Car Loan i.e. “Insta (In-Built) Sanction of Car Loan facility to existing MSME/Corporate borrowers
availing regular credit facilities from our Bank”. Which of the following is not true:
a. The minimum existing sanction credit facilities should be ₹100.00 lac.
b. Account should not have been classified as SMA1/SMA2 in last 6 months.
c. No separate application or any other Bank’s form/ No Pre-sanction inspection visit is required. No
need of obtaining ITRs/ Balance sheets if already available.
d. No fresh KYC documentation to be asked. However, the processing officer to ensure that the
existing account is KYC compliant.
e. All are true.
12. In order to provide quick sanction to existing borrowers, our bank has launched new variant of PNB
Car Loan i.e. “Insta (In-Built) Sanction of Car Loan facility to existing MSME/Corporate borrowers
availing regular credit facilities from our Bank”. What is the maximum loan amount under the scheme:
a. 5% of the sanctioned limit. Maximum ₹ 50.00 lakh
b. 5% of the sanctioned limit. Maximum ₹ 100.00 lakh
c. 10% of the sanctioned limit. Maximum ₹ 50.00 lakh
d. 10% of the sanctioned limit. Maximum ₹ 100.00 lakh
e. None of these
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13. To give boost to digital lending, bank has launched “Opening of Online OD (e-OD) against FD opened
in Branches i.e. Offline Fixed Deposit, through PNB one”. To avail this facility , Fixed Deposit opened
through offline mode, should be in single name only .
a. True b. False
in Branches i.e. Offline Fixed Deposit, through PNB one”. Which of the following is not true:
a. Facility is available to the individual having deposit in his/her single name.
b. Automatic lien marking on Fixed Deposit when the PNB One users avail credit facility. Maximum loan
will be restricted to ₹ 5.00 lacs per customer id (Excluding OD/DL against FD(s) in offline mode).
Customer can have more than 1 OD account within overall ceiling of ₹ 5.00 lacs.
c. e-OD account will be opened in the same sol where FD is made.
d. Facility will be restricted to digitally active customers who are using PNB one App for more than 3
months and at least one transaction through PNB One during last 3 months
e. Facility is available from 8 A.M to 10 P.M. (IST)
in Branches i.e. Offline Fixed Deposit, through PNB one”. This facility will be restricted to digitally active
customers who are using PNB one App for more than 6 months and at least one transaction through
PNB One during last 3 months:
a. True b. False
16. What is the maximum amount of loan that can be considered against Sovereign Gold bond:
a. ₹10.00 Lakh
b. ₹25.00 Lakh
c. ₹50.00 Lakh
d. ₹100.00 Lakh
e. Need Based
17. What is the prescribed margin for advance against Sovereign Gold bond for individuals:
a. 5%
b. 10%
c. 15%
d. 20%
e. 25%
18. What is the prescribed margin for advance against Sovereign Gold bond for Non-Individuals:
a. 20%
b. 25%
c. 30%
d. 35%
e. 40%
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19. With a view to facilitate farmers especially small and marginal farmers for meeting their higher credit
needs for various agricultural purposes and with benefits of interest subvention, Bank has launched
“Krishak Unnatti Yojana”. Which of the following is not true:
a. Under this scheme loan will be sanctioned in the form of an umbrella limit which will have two
components i.e. A. KCC component B. Krishak Unnatti Component
b. Maximum Limit will be ₹10.00 Lakh.
c. The umbrella limit will be the lowest of 2 times of KCC limit assessed for the proposed cropping
pattern (2 times of KCC Sanction Limit) or 50% of value of agriculture land on the basis of which
overall limit is calculated
d. Margin shall be NIL
e. All are true
20. With a view to facilitate farmers especially small and marginal farmers for meeting their higher credit
needs for various agricultural purposes and with benefits of interest subvention, Bank has launched
“Krishak Unnatti Yojana”. Which of the following is not true:
a. Only existing good agricultural land owner borrowers who have been continuously availing any loan
from our Bank for last two years and whose none of the loan accounts are NPA in the last two
years as on the date of application are eligible
b. Applicants with evidence of satisfactory dealing with other Scheduled Commercial Banks for a
minimum period of 2 years are also considered eligible provided that none of the loan accounts of
the applicant were NPA in the last two years.
c. In case of customers of other banks, Bank Statements of all loan accounts for last 12 months to be
obtained invariably and perused.
d. Quantum of Finance under Krishak Unnatti Component shall be : Cash Credit Limit = Remainder
from Umbrella Limit after deducting KCC Component.
e. All are true
21. In order to increase efficiency of appraisal process, reduce TAT, save man-hour of staff and give ease
to the small borrowers, a simplified Digital Renewal Process for renewal of KCC facilities having exposure
upto ₹1.60 lakh, with satisfactory conduct of account is developed namely “KCC Digital Renewal”. KCC
Digital Renewal will result in renewal of eligible KCC accounts for next 5 years with limit and terms &
conditions as per the last sanction. Which of the following is not true:
a. The digital renewal process will be carried out for eligible KCC customers based on pre-defined
eligibility criteria and centralized SMSs will be sent to registered mobile number of such customers.
b. Drawing of CIR for individual account is waived since CIC scrubbing will be done centrally for the
customers eligible for KCC Digital Renewal.
c. Pre-sanction visit is waived as the renewal journey is done by customers; however, post sanction
periodic visit as per bank guidelines to be continued.
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d. Under the process the KCC accounts will be renewed through a Straight Through Process (STP)
therefore process note/sanction note is not be prepared. Since the process of renewal is completely
digital without any manual intervention, no physical document to be obtained from borrower such
as Renewal Application Form
e. All are true
22. Which of the following is true regarding Eligibility criteria for Digital Renewal of KCC A/Cs:
a. Limit Expiry Date of account to be falling within the next 3 months. The renewal process is to be
initiated for the accounts falling due in next three months and upto 179 days after expiry of the
current limit.
b. Account to be in standard category as on date of initiating process of digital renewal and as on date
of marking renewal in the system and Date of BC letter shall not be older than 24 months
c. Eligible Borrowers having overdue amount in KCC account i.e., Outstanding balance is greater than
Drawing Power (DP) of A/C, will be required to pay the overdue amount either through the payment
link (internal fund transfer from PNB saving account having sufficient balance) or by branch visit and
then digital renewal of such account will be carried out through digital channels.
d. Digital Renewal Journey will be carried through Outreach Channels i.e., SMS/Missed Call/Outbound
Interactive Voice Response (OIVR) and Digital Channels i.e., PNB Corporate Website; PNB ONE App;
PNB Internet Banking.
e. All of these
23. A loan granted for short duration crops will be treated as NPA if the limit is not renewed for two crop
seasons after expiry of limit i.e. 5 years.
a. True b. False
24. A loan granted for long duration crops will be treated as NPA if the limit is not renewed for one crop
season after expiry of limit i.e. 5 years
a. True b. False
25. Under PNB Swarnim - Agri Gold Loan Scheme, Maximum Extent of Loan is ₹5.00 lakh per borrower.
a. True b. False
26. Under PNB Swarnim - Agri Gold Loan Scheme ,Loans upto _________may be sanctioned to applicants
on undertaking basis (Annex. II) and copy of land records should not be insisted upon:
a. ₹ 1.00 lakh
b. ₹2.00 lakh
c. ₹ 3.00 lakh
d. ₹ 5.00 lakh
e. None of these
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27. With a view to improve quality of banking services extended to SHGs including follow-up for recovery
of over dues if any, customer relationship managers in the form of PNB Sakhi may be placed in
branches. The scheme aims at strengthening SHG Bank Linkage. Competent Authority to appoint PNB
Bank Sakhi in In Lead Districts shall be LDM and other than Lead Districts :
a. Segment Head- Agriculture of Respective PLP
b. Deputy Circle Head (Second man)
c. Circle Head
d. Dy. Zonal Head
e. None of these
28. Under PNB Sakhi Scheme, Incentive for formation and credit linkage of SHGs shall be _____per SHG
formed and credit linked with the Bank. Apart from above the PNB Sakhi will also be provided
honorarium of ₹ 1500 per month which will be in addition to honorarium given under NRLM, if any.
a. ₹1000/-
b. ₹1500/-
c. ₹2000/-
d. ₹2500/-
e. None of these
29. PNB Sakhi shall be selected initially for a period of 3 years and the period can be further extended by
one year at a time, subject to their satisfactory performance and at the exclusive discretion of the Bank.
a. True b. False
30. What is minimum advance against sovereign gold Bonds :
a) ₹25000/- b) ₹50000/- c)₹5000/- d)₹10000/- e)₹15000/-
31. The margin requirement for Individuals are ___ and for other than individuals are ____ under advance
against Sovereign Gold Bonds.
a) 15%; 40%
b) 25%; 40%
c) 15%; 30%
d) 25%; 30%
e) None of the above.
32. What is the Repayment period of advances against sovereign gold bond?
a) Maximum 8 years.
b) Maximum 9 years or residual period of the Gold Bond whichever is earlier.
c) Maximum 8 years or residual period of the Gold Bond whichever is earlier.
d) Maximum 7 years or residual period of the Gold Bond whichever is earlier.
e) Maximum 10 years or residual period of the Gold Bond whichever is earlier.
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33. Advance against Sovereign Gold Bond can be sanctioned by way of _________
a) Demand Loan
b) Term Loan
c) Overdraft
d) A & B
e) A & C
34. What is true about advances AGAINST Sovereign GOLD bonds?

a) Credit Risk rating not required.
b) Extraction of Credit Information Report (CIR) not required.
c) SGBs should be held in demat form only.
d) Either A or B.
e) All A, B & C
35. What is Minimum Loan amount under Pension Loan Scheme?

a) ₹25000/-
b) ₹15000/-
c) ₹10000/-
d) ₹50000/-
e) ₹20000/-
36. What is the Maximum Loan amount to borrowers other than defense personals whose age is upto 70
Yrs under Pension Loan Scheme.
a) 15 times of net monthly pension OR Max. ₹10.00 Lakhs, whichever is lower.
b) 18 times of net monthly pension OR Max. ₹15.00 Lakhs, whichever is lower.
c) 18 times of net monthly pension OR Max. ₹10.00 Lakhs, whichever is lower.
d) 15 times of net monthly pension OR Max. ₹15.00 Lakhs, whichever is lower.
e) 18 times of net monthly pension OR Max. ₹12.00 Lakhs, whichever is lower.
37. What is the Maximum Loan amount to borrowers both normal and defense personals whose age is
more than 75 Yrs under Pension Loan Scheme:
a) 10 times of net monthly pension OR Max. ₹ 5.00 Lac, whichever is lower.
b) 12 times of net monthly pension OR Max. ₹ 5.00 Lac, whichever is lower.
c) 12 times of net monthly pension OR Max. ₹ 8.00 Lac, whichever is lower.
d) 15 times of net monthly pension OR Max. ₹ 10.00 Lac, whichever is lower.
e) 10 times of net monthly pension OR Max. ₹ 8.00 Lac, whichever is lower.
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38. What is the Maximum Loan amount to defense personals whose age is above 70 upto 75 Yrs under
Pension Loan Scheme:
a) 20 times in the case of Defence Pensioners OR Max. ₹5.00 Lakhs, whichever is lower.
b) 18 times in the case of Defence Pensioners OR Max. ₹7.50 Lakhs, whichever is lower.
c) 18 times in the case of Defence Pensioners OR Max. ₹5.00 Lakhs, whichever is lower.
d) 20 times in the case of Defence Pensioners OR Max. ₹7.50 Lakhs, whichever is lower.
39. The nature of loan under Pension loan is:

a) Term Loan
b) Demand Loan
c) Overdraft with reducing DP
d) A & B Only
e) All A, B & C.
40. What is Maximum Permissible Deductions under Personal Loan Scheme for Pensioners if Gross Monthly
Pension is more than ₹30000/-:
a) 40%
b) 50%
c) 60%
d) 70%
e) 75%
41. What is the maximum Repayment Period of Pension Loan?

a) 24 Months.
b) 48 Months.
c) 60 months or up to the age of 78 years whichever is earlier.
d) 60 months or up to the age of 75 years whichever is earlier.
e) 60 months or up to the age of 80 years whichever is earlier
42. What is the maximum loan under PNB Insta Loan-PAPL to pensioners scheme?
a) 18 Times of the net monthly pension.
b) ₹8 Lakh In states & UT where e-stamping & e-documentation facility is available.
c) ₹5 Lakh In states & UT where e-stamping & e-documentation facility is not available.
d) Only B & C
e) All A, B & C
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43. To boost up the demand from public for Home Loans our bank has decided, to waive the legal and
valuation charges in case of takeover Home loans. The waiver of aforesaid charges shall be applicable
only on takeover Home Loan accounts having outstanding of ________with minimum CIC Score of 700
& above of all the borrower(s)/ co-borrower(s):
a. ₹ 10.00 lakh & above
b. ₹ 20.00 lakh & above
c. ₹25.00 lakh & above
d. ₹ 50.00 lakh & above
e. None of these
44. Every amount recovered and due to be paid to the Trust shall be paid without delay, and if any amount
due to the Trust remains unpaid beyond a period of 30 days from the date on which it was first
recovered, interest shall be payable to the Trust by the lending institution at the rate which is
______above Bank Rate for the period for which payment remains outstanding after the expiry of the
said period of 30 days
a. 2% b. 3% c.4% d. 5% e) None of these
45. Under CGTMSE what is the threshold for waiver of legal action while invoking the guarantee .
a. ₹ 50,000/-
b. ₹1,00,000/-
c. ₹2,00,000/-
d. ₹ 5,00,000/-
e. None of these
46. Controlling offices to ensure that revenue audit reports are closed within ______in case of
LCBs/eLCBs/CBBs/MCCs/IBBs/AD Branches:
a. 1 Month
b. 2 Months
c. 3 Months
d. 4 Months
47. No prepayment penalty levied, in case of upward revision in the interest rate due to reset of benchmark
rates and the borrower informs the Bank within 30 days from the date of reset & shifts its account to
other Bank within ____from the date of reset.
a. 30 days
b. 60 days
c. 90 days
d. 120 days
e. None of these
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48. Under MUDRA scheme , for Credit Limit above ₹5.00 Lakh, Loan application should be disposed off
within 4 weeks
a. True b. False
49. As per RBI directives, Banks should ensure to obtain new renewed locker agreement by:
a) 01.01.2023
b) 01.04.2023
c) 01.07.2023
d) 01.09.2023
50. As per RBI guidelines, in case credit card-issuers failed to complete the process of closure within 7
working days, what amount of penalty shall be levied on card issuer till the closure of the account
provided there is no outstanding in the account.
a) Penalty of ₹250 per day of delay payable to the customer,

b) Penalty of ₹500 per day of delay payable to the customer,
c) Penalty of ₹1000 per day of delay payable to the customer,
d) Flat Penalty of ₹5000 payable to the customer,
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PRACTICE SET-3
1. Under Personal Loan Scheme for Life Insurance Corporation (LIC) of India Employees what is the
minimum length of service required for granting a loan?
a) 1 Year
b) 6 Months
c) 2 Years
d) 3 Years
e) 5 Years
2. The maximum quantum of loan Under Personal Loan Scheme for Life Insurance Corporation (LIC) of
India Employees is:
a) Up to 24 times of Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the
repaying capacity.
b) Up to 20 times of Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the
repaying capacity.
c) Up to 18 times of Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the
repaying capacity.
d) Up to 24 times of Gross Monthly Salary with a maximum of ₹18.00 Lakh depending upon the
repaying capacity.
3. The maximum repayment Under Personal Loan Scheme for Life Insurance Corporation (LIC) of India
Employees is:
a) 60 Months or remaining service.
b) 48 Months or remaining service.
c) 84 Months or remaining service.
d) 72 Months or remaining service.
4. No security is required Under Personal Loan Scheme for Life Insurance Corporation (LIC) of India
Employees if salary credited in account is more than ₹ __________ per month in last 3 months.
a) ₹50000/-
b) ₹75000/-
c) ₹25000/-
d) ₹100000/-
e) ₹40000/-
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5. As per FLR scheme, in case of lessees being reputed corporates, HOCAC-I and above shall consider the
total period beyond 12 years and not exceeding 15 years for arriving at loan amount. In case of other
category lessees, the total period considered for arriving at loan amount shall not exceed _____for
sanctions up to HOCAC-II level.
a) 7 years b) 10 Years c) 12 Years d) 15 Years e) None of these
6. With regards to sanctioning under PNB SAHYOG- Personal loan scheme for public which of the following
is true?
a) Sanction shall be permitted at the branches having a recovery rate of more than 90%.
b) Sanction shall be permitted if NPA level is not more than 2% under the Personal Loan segment as
at the end of previous financial year.
c) Sanction shall be permitted if NPA level more than 2% but upto 5% is concentrated in not more
than 5% account under Personal loan scheme as at the end of previous financial year.
d) Only B & C
e) All A, B & C.
7. The maximum quantum of loan Under PNB SAHYOG Personal Loan Scheme for public:
a) Up to 24 times of Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the
repaying capacity.
b) Up to 20 times Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the repaying
capacity.
c) Up to 18 times of Gross Monthly Salary with a maximum of ₹20.00 Lakh depending upon the
repaying capacity.
d) Up to 24 times of Gross Monthly Salary with a maximum of ₹18.00 Lakh depending upon the
repaying capacity.
8. Which of the following is true with respect to the eligibility criteria for PNB Doctor’s Delight -Personal
Loan.
a) Professionally qualified practicing/serving Doctors (BDS, MBBS & above only).
b) Net Annual Income/Salary of ₹5.00 lac and above.
c) Doctors should be taxpayers for the last two years and the ITRs of the last 2 years duly receipted
by ITR be kept on record.
d) The borrower should have a continued occupancy at current place of residence, of a minimum of
2 years. (Not applicable In Case of Doctors who are Employees of Govt./Institutions etc).
e) All of the above.
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9. The minimum and maximum loan under PNB Doctor’s Delight -Personal Loan is:
a) Min- ₹2 Lakh Max- ₹25 Lakh.
b) Min- ₹5 Lakh Max- ₹20 Lakh or 24 times monthly gross salary/income whichever is lower.
c) Min- ₹2 Lakh Max- ₹20 Lakh or 24 times monthly gross salary/income whichever is lower.
d) Min- ₹2 Lakh Max- ₹25 Lakh or 24 times monthly gross salary/income whichever is lower.
10. The maximum repayment of term loan is _____ and for Overdraft is _____ under PNB Doctor’s Delight
-Personal Loan
a) 60,84
b) 84,60
c) 60,60
d) 84,84
11. Which of the following is true with respect to the eligibility criteria for personal loan scheme for self-
employed?
a) Professionals having minimum gross annual income (GAI) of ₹ 6.00 lakh for the last two years.
b) Minimum CIC of 750.
c) Maintaining his/her Saving Fund/ Current Account satisfactorily with us for the last 2 years.
d) Minimum annual credit transactions in all saving/ current accounts of the customer in our bank/
other banks, in similar capacity, amounting to ₹5.00 lac in the previous financial year.
12. The maximum loan under personal loan scheme for self-employed is:
a) 10 times of average Gross monthly income of last two years maximum ₹5 Lakh.
b) 10 times of average Gross monthly income of last two years maximum ₹10 Lakh.
c) 10 times of average Gross monthly income of last two years maximum ₹6 Lakh.
d) 10 times of average Gross monthly income of last two years maximum ₹8 Lakh.
e) 10 times of average Gross monthly income of last two years maximum ₹3 Lakh.
13. The minimum monthly take-home income after all deductions under personal loan scheme for self-
employed is:
a) ₹25000/-
b) ₹20000/-
c) ₹15000/-
d) ₹10000/-
e) ₹30000/-
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14. Under Education Loan Scheme for Pursuing Higher Education In India Under PM CARES For Children
Scheme what is the eligibility?
a) All children who have lost both parents due to covid pandemic, starting from 11.03.2020 the date
on which WHO has declared and characterized COVID-19 as pandemic till 31.12.2021.
b) All children who have lost surviving parents due to covid pandemic, starting from 11.03.2020 the
date on which WHO has declared and characterized COVID-19 as pandemic till 31.12.2021.
c) All children who have lost legal guardian due to covid pandemic, starting from 11.03.2020 the date
on which WHO has declared and characterized COVID-19 as pandemic till 31.12.2021.
d) All children who have lost adoptive parents/single adoptive parent due to covid pandemic, starting
from 11.03.2020 the date on which WHO has declared and characterized COVID-19 as pandemic
till 31.12.2021.
15. Under Education Loan Scheme for Pursuing Higher Education In India Under PM CARES For Children
Scheme what is true with regards to the eligibility?
a) Where the student has obtained admission in an eligible course through merit based selection
process, he/she could be considered meritorious.
b) Where the admission is purely based on marks scored in last qualifying examinations (10 plus 2 or
equivalent), cut off percentage of marks of 40% for SC/ST and 45% for other categories be
considered.
c) Three years’ placement record is not required under PM CARES for Children scheme for ascertaining
Eligibility criteria.
d) GM PLP and CHCAC & above may consider the cases on merit, where admission is purely based on
marks scored in last qualifying exam (10 plus 2 or equivalent) and the applicant student borrower
has scored less than the stipulated cut-off marks of 40% for SC/ST and 45% for other category.
16. The margin under PNB PRAVASI SHIKSHA Loan is:

a) 25% b) 15% c) 20% d) 10% e) 5%
17. The Education Loan scheme “PNB Pravasi Shiksha Loan” aims at providing financial support to
meritorious students who are:
a) OVERSEAS CITIZENS OF INDIA (OCI)
b) Students who were born abroad (overseas citizenship by birth, when parents were on deputation
with Foreign Government/Government agencies or International/Regional agencies.
c) Now studying in India after repatriation of their parents.
d) Should have secured confirmed admission for a higher education course in identified institutions in
India.
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18. Which of the following is TRUE with respect to expense consideration for loan under “PNB Pravasi
Shiksha Loan”:
a) All the expenses required to complete the courses including one time to and fro travel expense to
India.
b) Hostel accommodation offered by the Institute to be included
c) In case the student opts for outside accommodation other than that provided by college/university,
the expenses may not be considered for loan.
d) Only B & C
e) All A, B & C
19. Which of the following is TRUE with respect to loan under “PNB Pravasi Shiksha Loan”:
a) Life insurance cover is mandatory upto an amount equivalent to the total loan amount including
interest accrued during repayment holiday.
b) Equitable/Registered mortgage of immovable property in India in the name of guarantor(s) with
value at least 125% of loan amount (IP must be other than agricultural or plantation property or
farmhouse).
c) Liquid security with value at least 125% of loan amount, in the shape of pledge of Government
security, NSCs, KVPs, IVPs / PSU Bonds (where interest is being serviced regularly) / Bank's FDR /
LIC Policies (surrender value) etc.
d) Repayment period is Maximum 10 years.
e) All of the above
20. For rejection of PNB Pravasi Shiksha loan falling under the power of GBB, the authority will be:
a) GBB Head.
b) Circle Head
c) CHCAC
d) PLP Head
21. What is the minimum qualification required to avail the facility of Education Loan under the Scheme
PNB Saraswati?
a) 10th b) 8th c) 5th d) 12th e)10+2 or equivalent.
22. In Education Loan Scheme PNB Saraswati where student is getting the admission based on the cut off
marks; what is the prescribed %age as per the Scheme?
a) 40% for SC/ST and 50% for other category.
b) 50% for SC/ST and 60% for other category.
c) 55% for SC/ST and 60% for other category.
d) 50% for all
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23. The normal powers to GBB headed by Scale-IV for sanction of the Education Loan under the scheme
PNB Saraswati is for an amount upto ________lac.
a) 10 Lakh
b) 15 Lakh
c) 20 Lakh
d) 5 Lakh
e) NIL
24. Education Loans under PNB Saraswati are required to be covered under:
a) CGTMSE
b) CGFMU
c) CGFSEL
d) CGPAN
25. In Krishak Unnati Yojna the Component of KCC & Krishak Unnati is there. Which of the following purpose
is used in Krishak Unnati Scheme :
a) This component shall be utilized for the purpose of development of Agriculture and Allied Activities.
b) This component shall be utilized for land development activities like fencing, bunding, trenching,
land levelling, clearance, formation of disposal drains etc.
c) This component shall be utilized for farm mechanization and animal husbandry.
d) This component shall be utilized for fishery activity.
26. The maximum limit in Krishak Unnati Yojna is :

a) 50.00 Lakh
b) 10.00 Lakh
c) 25.00 Lakh
d) 100.00 Lakh
e) 5.00 Lakh
27. In Krishak Unnati Yojna the Umbrella limit will be lowest of (which of the following is incorrect):
a) 2 times of KCC limit assessed for the proposed cropping pattern (2 times of KCC Sanction Limit).
b) 50% of value of agriculture land on the basis of which overall limit is calculated.
c) Maximum of ₹ 10.00 lakh
d) 4 times of KCC limit assessed for the proposed cropping pattern
e) A,b,c Only are correct
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28. Under Scheme For Financing Vehicle For Farmers/ Agriculturists which is correct with respect to
eligibility:
a) New and existing farmers engaged in agriculture and/ or allied activities having repayment capacity
assessed by the branch based on income from agriculture and/ or allied but holding land: - 1 acres
or more (three or four wheeler).
b) Having Satisfactory dealing of 2 years or more.
c) In case of agriculturists engaged in Dairy farming, Poultry farming, Plantation Crops and
Horticultural produce or other allied activity, the minimum land holding requirement does not apply,
instead they should have minimum gross annual income of ₹ 2.50 lacs for 3 & 4 wheeler.
d) No such requirement is for 2 wheelers.
e) All of the above
29. Under Scheme For Financing Vehicle For Farmers/ Agriculturists ELIGIBILITY CALCULATION wil be
lowest of the following (which one is correct)?
a) Farm Income: 4 times of net annual income
b) Farm Income: 3 times the value of annual crop production
c) Farm Income: 3 times the value of net anticipated annual profit from economic activity
undertaken.
d) Net Take Home (NTH) should be 40% of the gross annual income.
30. Under Scheme For Financing Vehicle For Farmers/ Agriculturists the maximum loan for 3-wheeler is :
a) ₹1.00 Lakh
b) ₹3.00 Lakh
c) ₹5.00 Lakh.
d) ₹10.00 Lakh.
e) Need Based
31. Under Scheme For Financing Vehicle For Farmers/ Agriculturists the maximum loan for 4-wheeler is :
a) ₹15.00 Lakh
b) ₹25.00 Lakh
c) ₹5.00 Lakh.
d) ₹10.00 Lakh.
e) Need Based
32. Under Scheme For Financing Vehicle For Farmers/ Agriculturists the maximum loan repayment for 3-
wheeler is :
a) 3 years
b) 5 Years
c) 7 Years
d) 10 Years
e) 15 Years
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33. The project cost for subsidy under AGRI-CLINIC & AGRI-BUSINESS for individual project will be?
a) Max ₹15 Lakh
b) Max ₹30 Lakh
c) Max ₹20 Lakh
d) Max ₹100 Lakh
e) Max ₹50 Lakh
34. The project cost for subsidy under AGRI-CLINIC & AGRI-BUSINESS for Group project will be:-
a) Max ₹15 Lakh
b) Max ₹30 Lakh
c) Max ₹20 Lakh
d) Max ₹100 Lakh
e) Max ₹50 Lakh
35. With respect to the AGRI CLINICS & AGRI BUSINESS which of the following statement is correct:
a) Margin upto ₹5 Lakh-NIL
b) Margin above ₹5 Lakh- 25%
c) Max Loan- Need Based
d) Repayment- 5-10 years (Depending on nature of activity).
e) All of the above
36. Which of the following do not form part of priority sector target achievement?
a) Contingent Liabilities
b) Off-balance sheet items
c) Either a or b
d) Both a & b
37. Which of the following is part of priority sector lending?

a) Loans up to ₹ 5 Crore to co-operative societies of farmers for purchase of the produce of members.
b) Loans for setting up of Agriclinics and Agribusiness Centres.
c) Loans for Food and Agro processing up to an aggregate sanctioned limit of ₹ 100 Crore per borrower
from the banking system.
d) Outstanding deposits under RIDF and other eligible funds with NABARD on account of priority sector
shortfall.
e) All of the above
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38. For the purpose of computation of achievement of the sub-target, Small and Marginal Farmers will
include the following:
a) Farmers with landholding of up to 1 hectare (Marginal Farmers). Farmers with a landholding of
more than 1 hectare and up to 2 hectares (Small Farmers).
b) Landless agricultural labourers, tenant farmers, oral lessees and share-croppers, whose share of
landholding is within the limits prescribed for small and marginal farmers.
c) Loans to Self Help Groups (SHGs) or Joint Liability Groups (JLGs), i.e. groups of individual Small
and Marginal farmers directly engaged in Agriculture and Allied Activities, provided banks maintain
disaggregated data of such loans.
d) Loans to farmers' producer companies of individual farmers, and co-operatives of farmers directly
engaged in Agriculture and Allied Activities, where the membership of Small and Marginal Farmers
is not less than 75 per cent by number and whose land-holding share is also not less than 75 per
cent of the total land-holding.
e) All of the above
39. Housing Loans to individuals up to ₹ ____ lakhs in metropolitan centres, are classified under priority
sector advances.
a) 45
b) 25
c) 30
d) 35
e) 40
40. Loans up to ₹ ____ in centres other than metropolitan for repairs to damaged dwelling units are
classified under priority sector advances.
a) ₹10 Lakh
b) ₹6 Lakh
c) ₹8 Lakh
d) ₹12 Lakh
e) ₹15 Lakh
41. Loans up to ₹ ____ crore per borrower for building health care facilities including under 'Ayushman
Bharat' in Tier II to Tier VI centres are classified under priority sector advances.
a) 5
b) 10
c) 15
d) 20
e) 25
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42. Bank loans up to a limit of ₹ ____ crore to borrowers for purposes like solar based power generators,
biomass-based power generators, wind mills, micro-hydel plants and for non-conventional energy based
public utilities, viz., street lighting systems and remote village electrification etc., will be eligible for
Priority Sector classification.
a) 40
b) 30
c) 35
d) 50
e) 25
43. What is loan limit for Individual Households in Renewable Energy to be classified under Priority Sector?
a) ₹10 lakh
b) ₹50 Lakh
c) ₹5 Lakh
d) ₹1 Crore
e) ₹5 Crore
44. Loans given to which of the following category would classify as loan to weaker sections?
a) Self Help Groups.
b) Small & Marginal Farmers.
c) Distressed farmers indebted to non-institutional lenders.
d) Individual women beneficiaries up to ₹ 1 Lakh per borrower.
45. Which institution maintains RIDF?

a) SIDBI
b) RBI
c) Ministry of Agriculture
d) NABARD
e) All of the above in respective proportions.
46. The Margin norms for production and/ or Investment Credit Above ₹ 1.60 lakh upto ₹10.00 lakh is:
a) NIL
b) 5%
c) 10%
d) 15%
e) 20%
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47. The Margin norms Under the Scheme for Agri-Clinics/ Agri-Business Centres for loans above ₹5 Lakh
is:
a) NIL
b) 5%
c) 10%
d) 20%
e) 25%
48. The Minimum and Maximum deposit under PNB Sugam Term Deposit Scheme is:
a) ₹ 10000/- & ₹ 1 Crore
b) ₹ 1000/- & ₹ 99,99,999
c) ₹ 10000/- & ₹ 99,99,99,999
d) ₹ 10000/- & ₹ 9,99,99,999
e) ₹ 10000/- & ₹ 100 Crores
49. Which of the following is not a variant of PNB ELITE Saving Fund.
a) Premium
b) Executive
c) Gold
d) Grand
e) Royale
50. With respect to QAB which of the following is incorrect for PNB ELITE Saving Fund.
a) PNB Premium Account QAB ₹50,000 & above and less than ₹ 5 lakh.
b) PNB Executive Account QAB ₹5.00 lakh and above and less than ₹10.00 lakh.
c) PNB Grand Account QAB ₹10.00 lakh and above and less than ₹15.00 lakh.
d) PNB Royale Account QAB ₹15.00 lakh and above
e) All are correct
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PRACTICE SET-4
1. For how much loan limit, copies of revenue extract should not be insisted upon.
a) ₹100000/-
b) ₹75000/-
c) ₹25000/-
d) ₹50000/-
e) ₹160000/-
2. Rural lending shall be restricted within a radius of ____ Kms. from the branch but within the State
boundary to have effective supervision and follow-up.
a) 30
b) 15
c) 20
d) 25
e) 35
3. In Agriculture Loan, No SNW is required to be collected for loan up to ₹_____

a) ₹1 Lakh
b) ₹3 Lakh
c) ₹50000
d) ₹1.6 Lakh
e) ₹5 Lakh
4. In agriculture Loans Scale of finance for production Credit is decided by:

a) SLBC
b) Lead Bank
c) BLBC
d) MoRD
e) DLTC
5. The crop season for each crop, which means the period up to harvesting of the crops raised, would be
as determined by the _____ in each State.
a) SLBC
b) Lead Bank
c) BLBC
d) MoRD
e) DLTC
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6. For a loan for setting up of cold storage amounting to ₹2.00 Crore, wherein the borrower is not
maintaining the book of account, which risk rating model is applicable:
a) PNB SCORE SME
b) PNB SCORE
c) PNB FARM SCORE
d) PNB TRAC
e) Not required in cold storage
7. For agriculture advances, a loan granted for SHORT duration crops will be treated as NPA, if the
installment of principal or interest thereon remains overdue for _____ crop seasons.
a) 3
b) 2
c) 1
d) 4
8. For agriculture advances, a loan granted for LONG duration crops will be treated as NPA, if the
installment of principal or interest thereon remains overdue for _____ crop seasons.
a) 3
b) 2
c) 1
d) 4
9. In KCC, the limit is to be fixed depending upon the crops cultivated as per proposed cropping pattern
for the first year plus an additional _________% of the limit towards cost escalation / increase in scale
of finance for every successive year (2nd, 3rd, 4th and 5th year).
a) 15%
b) 20%
c) 30%
d) 25%
e) 10%
10. What is the restriction on number of debits & credits in KCC account?
a) max 50 per quarter
b) max 75 per quarter
c) max 100 per half year
d) max 12 per quarter
e) No such restriction
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11. The maximum loan under KCC(Crop) can be:
a) ₹10 Lakh
b) ₹20 Lakh
c) ₹50 Lakh
d) ₹1 Crore
e) ₹10 Crore
12. The maximum loan under KCC (Animal husbandary/fishery) can be:
a) ₹10 Lakh
b) ₹20 Lakh
c) ₹50 Lakh
d) ₹1 Crore
e) ₹10 Crore
13. The maximum loan under KGS (Kisan Gold Scheme) can be:
a) ₹10 Lakh
b) ₹20 Lakh
c) ₹50 Lakh
d) ₹1 Crore
e) ₹10 Crore
14. The total land holding of the borrower after the purchase of the land under Krishi Bhu-swami scheme
should not exceed ____ acres of irrigated land or ____ acres of unirrigated land or equivalent.
a) 3, 5
b) 3, 6
c) 2.5, 5
d) 1, 2.5
15. What is the maximum loan amount available under Krishi Bhu-swami Yojana?
a) ₹45 Lakh
b) ₹30 Lakh
c) ₹25 Lakh
d) ₹20 Lakh
e) ₹50 Lakh
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16. Under Krishi Bhu-swami Yojana Applicant farmers may be allowed to purchase agriculture land within
a radius of ____ kms from the existing land owned by him/her or from the residence or within the
command area whichever is higher.
a) 10
b) 15
c) 20
d) 25
e) 30
17. In Krishak Sathi Scheme loan is to be repaid in:

a) 3-5 years
b) 5-7 years
c) 5-10 years
d) 3-10 years
e) 7-10 years
18. What is the maximum moratorium period under Krishak Sathi Scheme:
a) 24 Months
b) 12 Months
c) 36 Months
d) 48 Months
e) 6 Months
19. CCA (_____________), It is the area which can be physically irrigated and is fit for cultivation.
a) CCA-Culturable Controlled Area.
b) CCA-Culturable Command Area.
c) CCA-Cultivable Command Area.
d) CCA-Cultivable Controlled Area
20. Financing under minor irrigation activities includes:

a) Purchase of pumpsets
b) Dug Well
c) Deepening /Repair of wells
d) Shallow tube wells
e) All of the above
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21. What is the minimum land holding requirement for financing a minor irrigation project, except for cases
sponsored by State Development Agencies?
a) 1 acre
b) 2 acres
c) 2.5 acres
d) 5 acres
e) 10 acres
22. Who are eligible for financing for forestry development?

a) Farmers
b) SHGs
c) JLGs
d) Companies
e) All of the above
23. While financing projects formulated by Companies/Joint Sector Undertakings under forestry scheme,
what is the minimum area to be planted?
a) 7000 Hectares
b) 4000 Hectares
c) 5000 Hectares
d) 2000 Hectares
e) 1000 Hectares
24. Which of the following is not covered under Forestry development program?
a) Farm forestry
b) Development of tree borne oilseeds
c) Jatropha Plantation
d) Bamboo plantation
25. Loans given to the farmers for setting up biogas plant shall be classified under ___________ in Priority
Sector:
a) Renewable Energy
b) Non-Renewable Energy
c) Conservative Energy
d) Non- Conservative Energy
e) Social Infrastructure
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26. What is the maximum repayment period for financing a Biogas plant with capacity upto 5 cubic meters?
a) 5 Years
b) 10 Years
c) 3 Years
d) 7 Years
e) 12 Years
27. Maximum loan under Kisan Tatkal Yojna is:

a) ₹5,000/-
b) ₹50,000/-
c) ₹5,00,000/-
d) ₹10,000/-
e) ₹1,00,000/-
28. The loan under Kisan Tatkal Yojna is Repayable in 5 Yearly installments starting after ______ from
date of disbursement.
a) 1 Month
b) 3 Months
c) 6 Months
d) 12 Months
e) 24 Months
29. What is the maximum extent of loan under Produce (Marketing) Loan?
a) ₹10 Lakh
b) ₹25 Lakh
c) ₹50 Lakh
d) ₹100 Lakh
e) ₹5 Lakh
30. Which of the following is eligible to avail Produce (Marketing) Loan?

a) All the farmers irrespective of whether they were given crop loans for raising the produce or not.
b) Farmers having availed KCC facility for crop production, should not be overdue
c) Loan against hypothecation of produce stored at the Farmers’ own premises will be allowed only
to the farmers who have availed crop loan from our Bank
d) Other farmers will be financed only against pledge of warehouse/cold storage receipts
e) All of the above
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31. What is the nature of loan facility under the scheme Construction of cold storage and storage for
horticulture produce?
a) Term Loan
b) Cash Credit
c) Term Loan or Cash Credit both
d) Term Loan, Cash Credit, Non-Fund Based Loan.
e) FITL
32. Finance against future lease rentals under sub-lease arrangement may be considered subject to
following terms and conditions:
a. It should be checked up whether lease agreement provides for sub-lease.
b. Finance against future lease rentals in having sub-lease clause shall be permitted on a selective
basis subject to the condition that tripartite agreement among the lessor, lessee and the Bank is
executed.
c. Other clause put up by the owner in the lease agreement shall also be kept in view.
d. Sub-lease up to one level shall be permitted. In other words, sub-lessee shall further not lease the
property to another entity.
e. All are True
33. Which agency provides subsidy for loan facility under the scheme Construction of cold storage and
storage for horticulture produce?
a) NABARD
b) SIDBI
c) Ministry of Agriculture and Rural Development
d) National Horticulture Board
e) Nodal Bank appointed by the Ministry of Agriculture and Rural Development
34. What is the maximum repayment period for loan facility under the scheme Construction of cold storage
and storage for horticulture produce?
a) 3 Years
b) 5 Years
c) 7 Years
d) 9 Years
e) 10 Years
35. Power to approve/ disapprove model for Tractors/Power Tillers/ Combine Harvesters?
a) Zonal Office.
b) GM PSFID based on CH recommendation.
c) Zonal Head based on CH recommendation.
d) Committee at HO on recommendation of ZO committee.
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36. Which of the following agency is responsible for providing training to eligible candidates for setting up
agri clinic/business centre?
a) NABARD
b) RSETI
c) MANAGE
d) NTI
37. Up to a loan amount of ₹ ___ lakhs, the loan may be secured against hypothecation of assets created
and no further security would be needed while setting up an Agri Clinics/Agri Business Centers.
a) 2
b) 5
c) 10
d) 15
e) 20
38. Agri clinic/business center ventures which score minimum ___ marks while being approved by
Empowered Steering Committee, will be eligible for extended project cost of ₹5 lakhs for consideration
for subsidy.
a) 60
b) 75
c) 80
d) 90
e) 65
39. Which of the following is the purpose of farm mechanization scheme?

a) Purchase of new tractors and matching implements/equipments such as cultivators, harrows, disc
ploughs, trolleys, etc.
b) Purchase of new power tillers.
c) Purchase of tractors/ power tillers for the second time with matching implements.
d) Purchase of secondhand tractors with matching implements.
40. What is the nature of facility provided under scheme for financing agriculture activities on unregistered
leased/rented land?
a) Term Loan.
b) Working Capital.
c) Non-Fund Based Limit.
d) A & B Only
e) All A, B & C
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41. Under Scheme for financing purchase of draft animals and animal drawn vehicles which animal is not
included for financing.
a) Camel
b) Buffalo
c) Bullock
d) Horse
42. Branches (having tractor portfolio of Rs 1.00 crore and above or 50 and more tractor loan accounts
with less than ______% of recovery in tractor advances) will not sanction any such advance at their
level and send proposals to the respective Circle Heads for sanction.
a) 90
b) 80
c) 85
d) 75
e) 70
43. While financing for milk production activity, minimum economic size of unit shall comprise of _____
milch animals, with the second animal being purchased after a lapse of 6-8 months.
a) 1
b) 2
c) 3
d) 4
e) 5
44. While financing for milk production activity, bank finances for purchase of good quality high milk
cows/buffaloes with minimum average daily milk yield of _____ liters or exotic cross bred cow.
a) 6
b) 6.5
c) 7
d) 7.5
e) 5
45. While financing for milk production activity, animals at the time of advance should preferably not be
in more than ______ Lactation.
a) 1st
b) 2nd
c) 3rd
d) 4th
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46. Which one is an advantage of Green House?
a) Certain crops could be grown year round to meet the market demands.
b) High value and high quality crops could be grown for export market.
c) Income from small land holding can be increased many fold.
d) Helps to control pest and diseases.
e) All of the above
47. Which of the following items are covered while financing for a green house?
a) Construction of green house/ poly house.
b) Purchase of equipment/machinery.
c) Purchase of inputs and other expenses.
d) Requirement of post-harvest operations and marketing.
e) All of the above
48. Investment Loan up to ₹ _____may be released in cash in case of a green house.
a) ₹49000/-
b) ₹49999/-
c) ₹49900/-
d) ₹50000/-
e) ₹25000/-
49. What is the maximum gestation period in case of mushroom cultivation?

a) 3 Months
b) 6 Months
c) 9 Months
d) 12 Months
e) 24 Months
50. What is the maximum gestation period in case of spawn production under mushroom cultivation
scheme?
a) 3 Months
b) 6 Months
c) 9 Months
d) 12 Months
e) 24 Months
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PRACTICE SET-5
1. Agriculture Module of PNB LenS can process:
a) PNB Krishi Bhu-Swami Yojana
b) Scheme on Organic Farming and Organic Inputs
c) Scheme for Financing Sericulture
d) PNB SWARNIM
e) All of the above
2. In case of purchase of sheep/goat, what is the optimum unit size adopted by the farmers?
a) 1:15 (male: female) in case of sheep and 1:4 (male: female) in goats
b) 1:20 (male: female) in case of sheep and 1:5 (male: female) in goats
c) 1:20 (male: female) in case of sheep and 1:6 (male: female) in goats
d) 1:10 (male: female) in case of sheep and 1:4 (male: female) in goats
e) 1:20 (male: female) in case of sheep and 1:4 (male: female) in goats
3. What is the minimum and maximum repayment period in case of sheep breeding/goat rearing?
a) 3-5 years
b) 5-6 years
c) 4-5 years
d) 5-7 years
e) 6-8 years
4. What is the margin requirement in case of piggery finance for an amount of ₹ 3 Lakh?
a) NIL
b) 5%
c) 10%
d) 15%
e) 20%
5. In apiculture financing, following activities are covered for financing:

a) Construction of honey houses.
b) Purchase of colonies.
c) Purchase of equipment such as bee-boxes, honey extractors, smokers and bee veils, bee knife,
sting proof rubber gloves, etc.
d) Purchase of foundation sheets, sugar, medicines, gloves, etc.
e) All the above
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6. In sericulture financing, following activities are covered for financing:
a) Cultivation of mulberry.
b) Rearing of silkworm
c) Non-farm activities related to Sericulture
d) A & C Only
e) A, B & C
7. What is the minimum and maximum repayment period in case of sericulture, depending on the activity
financed?
a) 3-5 Years
b) 3-7 Years
c) 4-9 Years
d) 5-8 Years
e) 4-8 Years
8. The minimum size of the poultry unit to be financed as subsidiary activity should be ____ birds for
providing in-built viability owing to economics of scale of operations.
a) 400
b) 300
c) 500
d) 600
e) 800
9. In the case of poultry finance, ____% of cost of shed may be disbursed in cash to enable borrower(s)
to undertake construction work.
a) 15
b) 20
c) 25
d) 35
e) 50
10. In the case of organic farming, what is the maximum extent of loan?
a) CC/TL-Need based, max up to 50 Lakhs.
b) Only TL-25 Lakhs
c) Only CC upto 30 Lakhs.
d) Both TL and CC - Need based no Max Limit
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11. What is the quantum of subsidy available for Biofertilisers and Biopesticides production Unit?
a) 25% of total financial outlay subject to the maximum of Rs 40 lakh per unit, whichever is less.
b) 25% of total financial outlay subject to the maximum of Rs 20 lakh per unit, whichever is less.
c) 25% of total financial outlay subject to the maximum of Rs 30 lakh per unit, whichever is less.
d) 25% of total financial outlay subject to the maximum of Rs 50 lakh per unit, whichever is less.
e) 30% of total financial outlay subject to the maximum of Rs 40 lakh per unit, whichever is less.
12. Under PNB Ladli scheme, the selection shall be made amongst those girl students who are studying in
class ____ to class ____.
a) V to X
b) VI to X
c) V to XII
d) VI to XII
e) IV to XII
13. Education loan upto ₹ ____ lakhs, irrespective of the sanctioned amount, are classified under priority
sector advance.
a) 10
b) 15
c) 20
d) 25
e) 30
14. Under Scheme for Financing Development of Wasteland which of the following is not an objective:
a) Reclamation of soil (removal of salinity/alkalinity, water logging etc),
b) Soil conservation
c) Conditioning of land, raising of forest trees, creating irrigation potential.
d) Setting up Nurseries etc.
e) All of the above
15. The maximum Gestation under Scheme for Financing Development of Wasteland is:
a) 12 Months
b) 24 Months
c) 36 Months
d) 48 Months
e) 60 Months
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16. Under Scheme For Financing Micro Financing Institutions (MFIs) the minimum margin will be ____%
of the total project outlay.
a) 5%
b) 10%
c) 20%
d) 25%
e) 40%
17. The eligibility under Scheme for Tea Financing with respect to land holding of small borrowers will upto
______ hectares.
a) 10
b) 100
c) 50
d) 25
e) 75
18. Debit Card can be issued in :

a) Saving and Current accounts
b) Cash Credit and Overdraft accounts
c) Saving ,Current and Staff Overdraft accounts
d) All of the above
19. After expiry of Debit Card :

a) Customer to apply for new Debit Card through Branch Only.
b) Customer can apply through digital channel also.
c) Bank will dispatch the fresh card itself after expiry of existing card.
d) Bank will send sms to customer reminding him/her to contact branch for new card
20. In which of these Current accounts, Debit Card can be issued :

a) Individual and Proprietorship account
b) Partnership account with 2 Partners having mode of operation E/S
c) Public and Private Ltd company
d) All of the above
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21. Can Debit Card be issued in Joint accounts ?
a) No
b) Yes, where Mode of operation is “Jointly”
c) Yes, Where mode of Operation is “E/S” or “F/S”
d) Yes, In all joint accounts, with permission of Branch Head
22. Can Minor be issued Debit Card ?

a) If account is under Guardianship
b) If age of minor is 10 Years and above and account is under guardianship
c) If age of minor is 10 Years and above and account is self operated by minor
d) Minor can not be issued Debit Card in any condition
23. Personalized Debit Card is dispatched at customer/Branch address within :

a) 7 working Days at Metro Locations and 15 working Days at Non Metro locations
b) 10 working days for all locations
c) 7 working days for all locations
d) 15 working days for all locations
24. What id MDR (Merchant Discount Rate) for domestic payments through POS Machine using Rupay Debit
Card :
a) 0.40 % for transaction up to ₹2000
b) 0.60 % for transaction more than ₹2000
c) Nil
d) 0.50 % ,maximum ₹150 per transaction
25. With reference to Business Debit card , which statement/s is/are correct ?
i) Card can be issued in Current account of Corporates who maintain QAB of ₹1 lakh and above.
ii) This include Proprietorship, Partnership, public and Private Ltd companies.
iii) Cash transaction Limit is ₹1 lakh per day and POS/Ecommerce limit is ₹3 lakh per day
iv) Card issuance charge and AMC is ₹200 ,which can be waived by Circle Head.
v) card holder’s name and photo or company logo can be printed.
a) i ,ii and iii are correct
b) i ,iii and iv are correct
c) Only i ,ii and v are correct
d) All are Correct
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26. Which are the feature of Rupay Platinum Debit Card .
i. Both Personalized and Non Personalized card can be issued.

ii. Can be issued to Elite/HNI Customer with QAB of more than ₹15000 .
iii. Permanent total Disability and personal accident Death insurance of ₹5 lakh.
iv. Provides Domestic Airport Lounge Access , twice in a calendar quarter.
a) i,ii,and iv are correct.
b) Only i and iv are Correct.
c) I,ii and iv are correct.
d) All are Correct
27. Which are the feature of Rupay Platinum International Debit Card .
i- Daily Cash waithdrawal limit is ₹50000 and POS/E-Commerce limit is ₹125000.
ii- Can be issued to Elite/HNI Customer with QAB of more than ₹15000
iii- Permanent total Disability and personal accident Death insurance of ₹2 lakh
iv- Provides Domestic Airport Lounge Access , twice in a calendar quarter and International airport
lounge Twice in an a year.
a) i,ii, and iv are correct.

b) Only i and iv are Correct.
c) i,ii and iv are correct.
d) All are Correct

28. Which point/points , is/are correct w.r.t. Rakshak Plus Debit Card ?
i- Available under both Classic and Platinum Variant and Issuance and AMC charge have been
waived.
ii- Free Insurance Cover of ₹1 lakh for Classic Card and ₹2 Lakh for Platinum Card on Accidental
Death /Permanent Disability .
iii- POS/E-Commerce Per Day Limit for Classic Card is ₹60000 and For Platinum Card is ₹125000.
iv- Daily Cash withdrawal limit for Classic Card is ₹25000 and for Platinum Card ₹50000.
a) All are Correct
b) i,iii,iv are correct

c) ii,iii,iv are correct
d) i,ii,iv are correct

e) i,ii,iiii are correct
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29. Which is/are correct w.r.t.“Rupay Select Debit Card” ?
i- Card has been designed for ultra HNI customers and Only Personalized Card can be issued.
ii- The theme of the card is FITNESS
iii- To issue this Card QAB should be more than ₹50000/-
iv- AMC and Issuance charges are ₹500/-
v- Personal Insurance Cover of ₹10 Lakh/- on Accidental Death and Permanent Disability.
vi- Provides Domestic Airport Lounge Access, twice in a calendar quarter and International airport
lounge Twice in an a year.
a) All are Correct

b) All except iv are Correct.
c) All except ii are Correct.
d) All except v are Correct
30. On occurrence of any electronic banking transactions through IBS/ MBS/Debit Card, the customer
through the transactional SMS sent on his registered mobile number will be advised to report to the
bank if it is unauthorized, by forwarding the SMS message from registered mobile number to
9264092640 without any change in text, to block the facility.
a) True b) False
31. Which is/are the correct wrt Rupay JCB International Platinum Debit Card?
a. JCB(JAPAN Credit Bureau) is a global payment brand and a leading credit card issuer and
acquirer in Japan
b. Card issuance fee is ₹300 and AMC ₹100
c. All existing features & limits of Rupay International Debit Card applicable to JCB Card also
d. All are Correct
32. Per Transaction Cash withdrawal limit from PNB ATM ,for PNB Debit Card (any variant) is –
a) ₹15000/-
b) ₹18000/-
c) ₹20000/-
d) ₹25000/-
33. Which is/are correct wrt DCMS (Debit Card Management System ) Portal.
i. The link for DCMS Branch Portal (DCMS) is available on home page of non-CBS application.
ii. Card can be Hotlisted (Permanent block)
iii. Card can be On/Off (Temporarily block/unblock)

iv. Card can be Enable/Disable for International/E-Commerce/Contactless/ATM/POS
transactions.
v. Card tracking facility is available
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a) All are Correct
b) Only i,ii and iv are correct
c) Only i,ii and v are correct
d) Only i,ii,iii and iv are correct

e) Only i,ii,iii and v are correct
34. In case Customer applies for Personalized Debit Card though Branch -
i. Customers will be able to tick the particular option of Delivery at base branch or delivery at
registered address
ii. Card will be delivered at address chosen by customer in Debit Card Application Form
iii. The branch user must update the customers address and mobile number in CBS before lodging
the request, if the same is not available
iv. If Card is to be delivered at Customers registered address, paper pin will also be delivered with the
card
a) All are Correct
b) Only i,ii, and iii are Correct

c) Only iii is correct
d) Only ii & iii are correct
35. The undelivered cards on customers registered address shall be returned to the parent / base branch
of the customer. Which statement/s is/are correct?
a) Branch to mark undelivered in system by Menu Option DCARD using option Z.
b) System will send SMS to customers registered mobile no. to receive the Card within 30 Days.
c) If not collected in 30 Days, System will automatically send SMS on 31st Day, and will give 30
more Days to Collect the Card.
d) System will again send SMS on 55th day reminding customer to collect the Card and If not
collected, system will automatically delete/hotlist the Card on 60th day during day end.
e) All are Correct
36. If Customer applies for Debit Card through digital channel, where will card be delivered?
a) At Customers registered communication address
b) At Customers registered permanent address
c) At Base Branch
d) Customer can modify the address digitally for delivery of Card.
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37. Customer can Set/Reset Debit Card Pin using Green Pin OTP through which Channels?
a) By using PNB ATM
b) Option is available on PNB ONE/IBS
c) Option is available on IVR of Customer Cars Numbers 18001802222/1800103222
d) Any one of the above option can be used
38. Which Variants of VISA Debit Card is not being issued by our Bank ?
a) Classic
b) Silver
c) Gold
d) Signature
39. Which Variant of VISA Card is International Card.
a) Classic
b) Gold
c) Signature
d) All Variants of VISA are International Card
40. WRT VISA Debit Card which statement/s is/are Correct.
i. Per Day Cash withdrawal limit of Gold/Signature Card is ₹50000/-
ii. Per Day POS/E-Commerce limit of GOLD/Signature is ₹125000/-
iii. Per Day Contactless transaction limit of Classic/Gold/Signature Card is ₹5000/-

iv. VISA Classic Per Day Cash withdrawal Limit is Rs 25000 and POS/E-Commerce limit is ₹
60000/-.
a. All are Correct
b. I and II are correct
c. I,II and IV are correct
d. Only IV is correct
41. WRT charges of VISA debit Card, which statement is incorrect ?
a. For Gold, issuance charge is ₹250/- and AMC is ₹150/-

b. For Signature, issuance charge is ₹500/- and AMC is ₹200/-
c. For Classic issuance charge is Nil and AMC is ₹150/-
d. For classic issuance and AMC both are nil
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42. What is Cash @ POS Facility, in our bank ?
a. Using this facility, all Debit/Pre paid Card holders can withdraw cash by swiping their card at POS
terminal at all designated merchant establishments.
b. ₹2000 per transaction can be withdrawal using this facility.
c. Monthly withdrawal limit is ₹10000/-
d. All of the above
43. Can Rupay Domestic Card holder do transactions in other countries?
a) Yes, by enabling International Facility through IBS/MBS/PNB One
b) No
c) Yes, but only with Classic NCMC Card at all NETS enabled POS terminals in Singapore.
d) Yes, available in all Rupay Domestic Card, but can only be used at all NETS enabled POS terminals
in Singapore
44. Which statement/s is/are incorrect wrt Virtual Debit Card ?
a) Virtual Debit Card can be generated and viewed online using PNB One only.
b) Virtual Debit Card can be used for Cash withdrawal and POS/W-Commerce.
c) Virtual Debit Card be used for E Commerce only with per day limit ₹60000/-
d) Presently Rupay Classic Virtual Debit Card is being issued and issuance charge and AMC is nil.
45. Which Card will be issued to Customer, if applying through digital Channel ?
a. Rupay Classic
b. Rupay NCMC
c. Rupay Platinum
d. Rupay Platinum International

46. Customers whose Card is going to expire within the current month ,will be issued Card By default.
Which Card will be issued to such customers?
a. Rupay Classic
b. Rupay NCMC
c. Rupay Platinum
d. Rupay Platinum International
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47. What are the Charges of Rupay Platinum Cards which includes Rupay Platinum, Rupay Platinum
International and Rupay JCB?
a) Issuance ₹150 and AMC ₹150

b) Issuance Nil and AMC ₹150
c) Issuance Nil and AMC ₹250
d) Issuance and AMC Nil up to 31 March 2023
48. Under Rupay Insurance Programme 2022-23, for Debit Card holders, which of these given below
,Card/s is/are eligible for Personal insurance of accidental Death and Permanent Total Disability ?
i. Rupay Select
ii. Rupay Platinum
iii. Rupay Classic
iv. Rupay PMJDY
a) Only Rupay Select
b) Rupay Select and Rupay Platinum
c) Rupay Select and Rupay PMJDY
d) All of these except Rupay Classic
49. Under Rupay Insurance Programme 2022-23 ,for Debit Card holders, to be eligible for claim ,what are
the terms and conditions for Platinum/Select Card?
a) At least one successful financial transaction on ATM/POS/E-Commerce is required within 30 days

prior to date of accident.
b) At least one successful financial transaction on POS/E-Commerce is required within 30 days prior
to date of accident.
c) At least one successful financial/Non-Financial transaction on POS/E-Commerce is required within

30 days prior to date of accident.
d) At least one successful financial/transaction on POS/E-Commerce is required within 45 days prior
to date of accident.
50. Under Rupay Insurance Programme 2022-23 ,for Debit Card holders, to be eligible for claim ,what
are the terms and conditions for Rupay PMJDY Card ?
a) At least One financial or non-financial transaction is required at ATM/MicroATM/POS/e-
com/Business Correspondent of the bank within 90 days prior to date of accident .
b) At least One financial transaction is required at ATM/MicroATM/POS/e-com/Business
Correspondent of the bank within 90 days prior to date of accident At least One financial or non-
financial transaction is required at ATM/MicroATM/POS/e-com/Business Correspondent of the
bank within 45 days prior to date of accident .
c) At least One financial transaction is required at ATM/MicroATM/POS/e-com/Business
Correspondent of the bank within 90 days prior to date of accident
d) Any of the Above
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PRACTICE SET-6
1. Under Rupay Insurance Programme 2022-23 ,for Debit Card holders, Cover Amount for Permanent Total
Disability/Accidental Death ?
a) ₹10 Lakh for Rupay Select
b) ₹2 Lakh for Rupay Platinum
c) ₹2 Lakh for Rupay PMJDY for Accounts opened after 28-08-2018 and ₹1 lakh for account opened
up to 28.08.2018
d) All are Correct
2. Under Rupay Insurance Programme 2022-23 , for Debit Card holders, which Insurance Company is
insurer for Rupay Platinum/Select Cards ?
a) Life Insurance Corporation of India
b) TATA AIG
c) National Insurance Co. Ltd
d) New India Assurance Co. Ltd
3. How much personal insurance Cover on Accidental Death/Permanent Total Disability ,is available on
VISA and Master Cards ?
a) ₹10.00 Lakh on VISA Signature and 01 lakh for all other variants.
b) ₹5.00 Lakh for VISA Signature/Gold and Master Platinum and 0.50 lakh for other variants.
c) ₹0.50 lakh for all variants of VISA/Master.
d) No insurance is available on any variant of VISA/Master
4. Under Rupay Insurance Programme 2022-23 ,for Debit Card holders, which Insurance Company is
insurer for Rupay PMJDY Cards ?
a) Life Insurance Corporation of India
b) TATA AIG
c) National Insurance Co Ltd
d) New India Assurance Co Ltd
5. We can issue Duplicate/Add On Debit Card from other than base branch also.
a) True b) False
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6. With reference to issuance of Debit Card, Duplicate/Add-On from other than Base Branch, which
statement is incorrect?
a) Branch will check the application and perform the due diligence as per bank guidelines
b) Branch will take Aadhar number from the customer and perform e-KYC verification (Aadhar
authentication) of the customer
c) copy of the form printed from the above portal is to be attached with Debit Card application form
after taking customer’s signatures on the same
d) The branch will then punch the request for Personalized/Non Personalized Card in CBS through
DCARD menu using maker and verify the same through checker
e) All are correct
7. As per RBI guidelines Fresh issuance of Debit Card has been discontinued in Loan accounts. This
guideline is not applicable on:
a) Cash Credit Account
b) Overdraft accounts
c) Staff Overdraft
d) KCC and Overdraft Facility in PMJDY Accounts
8. Debit Card issued in Cash Credit/ Staff Overdraft account prior to 01.07.2022 can continue to be in
force till expiry of Debit Card, However, only domestic non cash transactions would be permitted.
a) True b) False
9. Our Bank issue Debit Card of which Card Network ?
a) Rupay Card Only
b) Rupay and Master Only
c) Rupay and VISA Card Only
d) Rupay, VISA and Master Card
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10. Which Debit Card Network belongs to National Payment Corporation Of India?
a) Rupay
b) Master
c) VISA
d) All of the above
11. Which of these variants of Master Card Debit Card ,is issued by our bank ?
i. Classic
ii. Classic International
iii. Platinum
iv. Contactless
v. Business
vi. World Travel Card
a) Only i and iii

b) Only i , iii, and v
c) Only i , iii, and vi
d) All of These
12. “Enable/Disable “option is available to customers through various channel for enabling/Disabling
certain services of Debit Card like International Transaction /Contactless transaction etc.
i. Transaction Password /TPIN is required To Enable/Disable,

ii. OTP received on registered mobile number is also to be entered.
iii. Now OTP for Enable/Disable , can be received on registered mail id also, if customer opt for
this.
iv. Presently This facility of OTP on email ID is only for International Debit Card.
Which statement/s is/are Correct?
a) Only I
b) Only I and II
c) Only I, II and III
d) All are correct
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13. Which statement/s is/are correct w.r.t. providing Debit Card/Mobile Banking Services/Internet Banking
services to Visually Impaired customers?
i. Yes, considering the merits of each applicant like educational qualification, status etc.
ii. An undertaking is to be obtained from such customers.
iii. The specific request along with full justification should be sent to the respective circle offices for
approval.
iv. Circle Heads have been empowered to approve such requests.
v. The facility can be provided in Joint accounts also.
a) Only I is correct
b) I, II, and III are correct
c) All are Correct
d) I, II, and III are correct
14. How can NCMC (National Common Mobility Card) wallet reloaded/recharged for using offline i.e. Bus,
Metro etc ?
a) Through merchant itself i.e. Bus/Metro counter by cash and also through Retail Internet Banking
b) Through PNB One
c) Through Branch
d) All of the above
15. How much amount can be stored through recharge/reload in NCMC Card for using offline i.e.
Bus/Metro etc?
a. Up to ₹2000/-
b. Up to ₹4000/-
c. Up to ₹5000/-
d. Upto ₹6000/-
e. None of these
16. What is per transaction maximum limit of NCMC Card for using offline ie Bus/Metro etc ?
a) ₹200/-
b) ₹400/-
c) ₹500/-
d) ₹1000/-
e) None of these
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17. To recharge/Reload amount in NCMC Card for using offline ie Bus/Metro , option is available at Retail
Internet Banking Under :
a) Manage Card- One Nation One Card
b) Manage Card- NCMC
c) Value Added Service- One Nation One Card
d) All of the above
e) None of these
18. Debit Card can be registered for E-Mandate for Recurring payments or Subscriptions or Standing
Instructions (SI) , through which customer authorizes a service provider to Debit a fixed or variable
amounts at regular intervals.
Which statement/s is /are correct ?
i. The facility is available for both Debit and Pre Paid Cards.
ii. SI registration & First SI transaction is permissible with AFA (Additional factor authentication
–OTP). Subsequent recurring payments (upto ₹ 5000/-) would be permitted without OTP.
iii. Cardholder would be notified through SMS at least 24 hours prior to the transaction.
iv. Cardholders would be provided with the facility to modify the SI mandate and also to
discontinue the SI.
v. All are correct
a) Only I and II are correct.

b) I, II and III are correct.
c) I, II ,III and IV are correct.
d) All are correct
19. Per Day Transaction Limit under Retail Internet Banking for Government dues/Tax Payment ?
a) ₹10 Lakh
b) ₹15 Lakh
c) ₹25 Lakh
d) ₹5 Lakh
e) None of these
20. In how many languages Retail Internet Banking is available?

a) 1
b) 2
c) 9
d) 6
e) None of these
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21. Who among these can be offered Retail Internet Banking Services?
a) Only Saving Fund and Current Account Holder
b) Only Saving Fund Account Holder
c) Only Current Account Holder
d) All of the above
e) None of these
22. What is user Id of Retail Internet Banking?

a) Customer Id issued by Bank
b) Registered Mobile No of the Customer
c) Registered email id of the Customer
d) All of the above
e) None of these
23. Can user id of Retail Internet Banking be changed by customer ?

a) Yes, as many time customer wants to change
b) Yes, But once only
c) Yes, But twice only
d) Yes, But thrice only
e) No
24. If one forget user id and /or Password of Retail Internet Banking , can it be retrieved online ?
a) Yes. Forgot password and Know Your User Id link is available on net banking website
b) Forgot password is link available but user id can not be retrieved.
c) Know your User id link is available but password can not be reset online.
d) All of the above
25. Which of these statements are correct wrt Retail Internet Banking ?
a) User ID expiry period is 360 days, i.e., internet banking user id would be automatically disabled if
the user has not logged in once in 360 days.
b) There shall be no expiry period for Login password, i.e., system would never force change of
login password
c) Transaction password having an expiry period of 180 days, i.e., system will force change of
transaction password if it was never changed in the last 180 days.
d) All are Correct
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26. Wrt Retail Internet Banking (IBS), which statement/s is/are correct ?
i. Nomination can be Registered/Updated through Retail IBS .
ii. To complete the process enter OTP delivered on the registered mobile number.
iii. Nomination can be Cancelled also using Retail IBS.
iv. This feature is applicable to all self-operated (single) Deposit Accounts (CA/SB/TD) of
individual & Sole Proprietorship Accounts.
a) Only I and II are correct

b) I, II, III are Correct
c) All are Correct
d) I, II, IV are Correct
e) None are Correct
27. SOL of a Account be transferred using Retail IBS ? True or False
a) True- This facility is only for Saving & Term Deposit accounts and No transaction in account should
exist on the day of transfer request In case, any Standing Instruction/ scheduled transaction
exists in the account, account will not be transferred.
b) False - It can be transferred through branch only
28. Who can register Retail Internet Banking online ?

a) Only Individual Customers (Self/ Joint)
b) Both Individual Customers and Proprietorship concern .
29. Fastag can be recharged using Retail IBS .

a) True
b) False
30. Can transactional alert be sent to registered email id also in addition to registered mobile number ?
a) Yes, Option is available under Retail Internet banking
b) No, There is no such facility
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31. Which is /are correct wrt Outward Remittance facility under Liberalized Remittance Scheme (LRS) -
through pnb internet banking ?
i. Customer should have a deposit account for a minimum period of one year prior to the
remittance.
ii. The facility will be available only in twelve international currencies viz. USD, GBP, EUR, CAD,
AUD, JPY, HKD, SGD, CHF, SEK, AED and NZD.
iii. Limit for single outward remittance will be USD10000/- (or its equivalent in foreign currency,
converted at Bank’s applicable TT selling rate).
iv. Limit for cumulative value of all outward remittance in a financial year will be USD 100000/-
(or its equivalent in foreign currency, converted at Bank’s applicable TT selling rate)
v. 2 transactions per month allowed within the LRS limit of USD 250000 per FY.
a) Only I and II are correct.
b) Only I and V are correct.
c) Only I ,III and IV are correct
d) Only I ,II and IV are correct
e) All are correct
32. Can Retail IBS can be given to Visualy Impaired Customers ?
a) Yes
b) No
33. How can an NRI Customer set/reset his/her Retail IBS password if not having active Debit Card ?
a) User will click on Forgot Password, for resetting the password.

b) On successful validation of Cust ID,DOB/PAN, OTP and Account number “two” random security
questions out of 7 of IBS Shield will be asked.
c) On successful validation of security question, user will be allowed to reset password as per his
user profile – “Login only” Or “Login and Transaction password”
d) All steps are to be followed.
34. BBPS (Bharat Bill Payment System) for Utility bill payment is available under :
a) Retail IBS
b) PNB One
c) Both , Retail IBS and PNB One after login
d) None of the above
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35. DMAT account can be opened through?
a) Branch only
b) Retail IBS
c) PNB One
d) All of these
36. What is/are correct w.r.t. PIHU ?
a. It is a chat-bot which facilitates a conversation (or chat) with the user via auditory or textual
methods .
b. Provided on pre login page of Internet Banking and PNB One.
c. Responds to customer queries (FAQs) related to Bank’s Digital Products presently, Retail Internet
Banking, Mobile Banking and Debit Card.
d. All are correct
37. Through which mod/modes Retail IBS can be registered ?
a) Though Branch using ADCREQ Menu

b) Through PNB ATM
c) Through Call Centre
d) Online Through websites using Account number ,Debit Card ,DOB/PAN , OTP
e) All of the above
38. W.r.t. Retail IBS ,which statement is/are correct/s ?
a) Session expiry period (idle time during usage) is 8 minutes and 10 minutes for retail and corporate
users respectively.
b) The minimum length of password is six alphanumeric characters and it is mandatory to use one or
more special characters in the password.
c) It is mandatory to have separate login and transaction passwords.
d) There are maximum 5 attempts for sign on and 5 attempts for transaction after which the login
and transaction password respectively shall get automatically disabled
e) All are correct
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39. W.r.t. Retail IBS ,which statement is/are correct/s ?
a. One Time Password (OTP) will be delivered for important activities like payee creation, registration of
challenge questions and for doing transactions in Internet Banking etc
b. Bank had introduced REL ID (PNB Verify) as an alternative to OTP. Transactions will be authenticated
through “In-App” notification instead of entering OTP as second factor of authentication
c. Bank had introduced CAPTCHA (Completely Automated Public Turing Test to Tell Computers and
Humans Apart) at the time of login to prevent automated online password attacks, brute-force attacks
and application layer Denial of Services
d. There is a Cooling Period of 2 hours for performing transaction after addition/modification of
beneficiary
e. All are correct
40. Which of these facilities are not available in Retail Internet banking ?
a) View Pension Slip
b) View Senior Citizen Saving Scheme Account
c) One Nation One Card (Recharge of NCMC wallet)
d) All are available
41. Which of these E-Interest Certificates can be generated through PNB One/Retail Internet Banking ?
a. Housing Loan
b. Education Loan
c. Deposit Accounts
d. All of these
42. Which of these E-Certificate can be generated through Retail IBS only (not from PNB One) ?
a. Housing Loan
b. Education Loan
c. Deposit Accounts
d. Balance Certificate
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43. Which of these options are available under Retail IBS ?
a) Updated user ID
b) View Registered Mobile Number
c) Set Account Nick Name
d) Check KYC status
e) All of these
44. Can Registered mobile number be changed through Retail IBS/PNB One ?
a) Yes
b) No
45. Can image/phrase ,shown after entering user id in Retail IBS be changed ?
a) Yes, Option available under Personal Setting in IBS
b) No, it can not be changed
46. Can Log In Time be restricted in Retail IBS ?
a) Yes, option is available under Personal Setting to restrict login daywise/time wise
b) No, it can not be restricted
47. In Retail IBS under PAY BILL tab, which options are available ?
a) Dash Board
b) View Transaction Status
c) Standing Instruction
d) REDO Last 10 Transaction
e) All of these
48. Which of these services available under Retail IBS ?
a) Register for Government initiatives ie PMSBY,PMJJBY etc

b) Sovereign Gold Bond (Purchase and transaction history)
c) Service Request and tracking
d) Complaint Management
e) All of these
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49. Which of these services are available under Retail IBS ?
a) Change Home Branch
b) Change Account variant

c) Prefilled Deposit Slip
d) Activate/Deactivate Passbook
e) All of these
50. For sanction of advance against gold Jewellery, valuation of security and appraisal of gold to be
carried out by two empaneled appraisers and the lower of the two to be considered for finance in case
limit is:
a) Above ₹2.00 Lakh
b) Above ₹5.00 Lakh
c) Above ₹7.50 Lakh
d) Above ₹10.00 Lakh
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PRACTICE SET-7
1. Which of these services are available under Retail IBS ?
a) PAN Registration
b) Aadhar Registration
c) GSTIN Registration
d) Generate GST Invoice
e) All off these
2. Can overdraft facility under PM Jandhan Yojna be taken through Retail IBS?
a) Yes
b) No
3. Which of these options related to Debit Card NOT available in Retail IBS ?
a) Virtual Debit Card
b) Update ATM/POS/E Commerce/Contact less Limit
c) ON/Off and Enable/Disable
d) Hotlist and Apply for new debit Card
e) Cardless cash withdrawal and generate green pin
4. Which TAX Related services are available under Retail IBS ?
a) View For 26 AS
b) Income Tax E Filing login
c) Apply for 15 G/H

d) All of these
5. Apart from Retail Customers – Single /Joint , who can be given Retail IBS ?
a) Partnership Firm
b) Proprietorship Firm
c) Trust
d) Government department
6. What is the form No for Retail IBS for registration through branch ?
a) PNB 1063
b) PNB 1212
c) PNB 1064
d) PNB 1213
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e) None of these
7. For Retail IBS/PNB One , registration through branch which menu option is used ?
a) ADCREQ
b) IBSRPOST
c) IBSCPOST
d) None of these
8. At the time of first login OF Retail IBS , customer needs to set Image/Phrase for Internet Banking
account and register answers of challenge questions. How many questions answers is to be given ?
a) 7
b) 5
c) 10
d) 6
9. To login Retail IBS which credentials are required to be entered ?
a) User ID
b) Log in Password
c) CAPTCHA
d) All of these
10. Which of these statement/s is/are correct ?
a) Whenever system observes any abnormal activity in Intenet Banking, it challenges the User
by throwing 2 security questions in addition to applying transaction password.
b) 3 attempts are available with the User.
c) If the User gives wrong response for 3 times consecutively, his User ID gets locked for
security purpose and shall be auto-unlocked after 24 hours.
d) User needs to set his image/phrase and challenge questions afresh after getting unlocked.
e) All of these are correct
11. For which type of transaction ,through Retail IBS , OTP/PNB Verify not required ?
a) Self Transfer
b) transfer to PPF Account
c) Govt Payments and tax payment.
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d) All of these
12. For NEW USERS IN both PNB One and Retail IBS , which restrictions have been introduced recently ?
a) The maximum amount for first financial transaction after activation of the transactions in the
channel has been limited to ₹10,000/-
b) After first financial transaction, the next financial transaction can be initiated by the customer
only after completion of cooling period of 24 hours.
c) Restriction has also been placed on scheduling of first transaction to a future date.
d) All of these
13. For NEW USERS IN both PNB One and Retail IBS , some restrictions have been introduced recently.
Which of these transactions are not included in those restrictions ?
a) Transfer to own PPF account, Sukanya samriddhi
b) Transfer to own accounts / Credit Card ,Sovereign Gold Bond Purchase ,ASBA
c) Opening of Term Deposit (FD/RD) accounts
d) Tax Payments to Government sites integrated with PNB
e) All of the above
14. What is the per day transaction limit of Retail IBS ?
a) ₹15 Lakh for all transactions
b) ₹15 Lakh but for UPI it is ₹1 lakh
c) ₹15 Lakh but for UPI it is ₹1 lakh, and for IMPS/NEFT it is ₹5 lakh per transaction and no limit
for Self and payment of Government dues
d) None of these
15. Which type of customers are eligible for PNB One ?

a) Self Operated account only
b) Minor Operated by Guardian’
c) Self Operated Minor account
d) Either or Survivor/Former or Survivor/Anyone or Survivor
e) All of the above
16. How can one register for PNB One ?
a) In app Registration using Debit Card
b) In app Registration without Debit Card
c) Apply Through Branch , application No PNB 1167 , menu option ADCREQ
d) Through Retail IBS
e) All of the above
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17. What is the per day Limit of PNB One ?
a) ₹10 Lakh
b) ₹15 Lakh
c) ₹20 Lakh
d) ₹5 Lakh
18. If registering PNB One online without Debit Card , what will be transaction limit ?
a) Till 72 hours, user will be able to login and access PNB ONE in “View” mode only.
b) Up to 48 hours ,per day only one transaction and Single Max per transaction amount is ₹10,000/-
c) After 48 hours there is No restriction of transaction per day and Max per day transaction ₹25,000/-
Max per transaction amount: ₹10,000/-
d) All are correct
19. To perform a Financial/Non Financial transaction using PNB One, what is required ?
a) Transaction Passowrd
b) Transaction PIN (TPIN)
20. For new users of PNB One. System will prompt to set TPIN during registration. How can exiting user
set the TPIN ?
a) For Existing User, TPIN can be set or reset by navigating as My Profile >> Set / Reset TPIN
b) Authorization of TPIN creation can be made (1) using Debit Card details or (2) using Transaction
Password
c) Both option are to be followed.
d) None of these
21. Which is/are correct/s wrt eligible customers for PNB ONE?
a) Individual customer in single name
b) Joint account holders also are eligible .
c) Service not available for Jointly operated account .
d) Proprietorship account also allowed.
e) All statements are correct
22. What is required for Scan and Pay option under PNB One ?
a) TPIN
b) OTP
c) TPIN and OTP
d) Only TPIN up to ₹5000 and TPIN and OTP above ₹5000
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23. Which login credential is used to open PNB One app after registration ?
a) 4 Digit MPIN
b) OTP
c) Adhar No
d) Any one of the above
24. To register PNB One without using Debit card , which of these are prerequisite ?
a) Account Number
b) PAN/AADHAR No /Passport /Voter ID/Driving License
c) DOB
d) OTP
e) All
25. While registering PNB One without Debit card, On successful authentication of Account number,
document identity number, DOB and OTP customer will be prompted to answer two account related
questions out of four questions displayed on screen, like :
a) Nominee name with relationship
b) Last customer induced debit transaction with date
c) Unused cheque number, email id etc
d) All of the above
26. If registering without Debit Card, after how much time customer can enable transaction password ?
a) After 12 Hours
b) After 24 Hours
c) After 48 Hours
d) After 72 Hours
27. In how many language PNB One is available (Language can be selected on pre log in page)
a) 2
b) 4
c) 8
d) 12
28. PNB One can be log in through biometric authentication also ?

a) True
b) False
29. Which is/are correct wrt Pay to Contact option of PNB one ?
a) Beneficiary should also be PNB customer.
b) Beneficiary should be registered On Pay To Contact for receiving money.
c) Per day and per transaction limit is ₹10000.
d) All of these
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30. In PNB One Transfer option which type of transfer option is available ?
a) Regular Transfer
b) Quick Transfer
c) Indo Nepal Remittance
d) Fastag Recharge
e) All of the above
31. In PNB One by selecting Regular Transfer which type of transaction can be performed ?
a. Self
b. Within PNB (Registered Beneficiaries)
c. Other Banks using NEFT/RTGS/IMPS using IFSC (Registered Beneficiaries)
d. All of the above
32. In PNB One by selecting Quick Transfer (without registering beneficiary)which type of transaction can
be performed ?
a) Within Bank
b) Other Bank using IMPS-MMID
c) Other Bank using IMPS-IFSC
d) All of these
33. Which of these options related to Debit Card available in PNB One ?
a) Virtual Debit Card/ Hotlist and Apply for new debit Card
b) Update ATM/POS/E Commerce/Contact less Limit
c) ON/Off and Enable/Disable
d) Cardless cash withdrawal and generate green pin
e) All of these
34. Transaction in PPF, Sukanya Samriddhi account can be done and their statement can be generated
through PNB One and Retail IBS both ?
a) True
b) False
35. Demat account can be opened and linked through PNB One ?
a) True
b) False
36. Which of the following service are available under PNB One/Retail IBS ?
a) Apply for Application Supported By Blocked Amount
b) Apply for online trading account
c) Apply for Online Demat account
d) Apply for online Mutual Fund
e) All of these
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37. Using PNB One/Retail IBS we can not ?
a) Open Fixed Deposit Account
b) Open Recurring Deposit Account
c) Close Premature FD
d) Close Premature RD
38. Using PNB One/Retail IBS we can modify Term Deposit . What can be modified ?
a) Maturity instruction like auto renew/auto close
b) Principal amount can be modified
c) Maturity Period can be modified
d) Scheme code can be modified
39. By using PNB One/Retail IBS we can link, make payment of Credit Card and see billed/unbilled
statement . What else regarding Credit Card can be done by using PNB One ?
a) Reward Points Redemption request
b) Damaged card replacement request
c) New PIN request
d) Report lost Card
e) All of the above
40. By using PNB One/Reatail IBS, which options are available for cheque book ?
a) Inquire cheque status
b) Stop Payment
c) Request for new cheque/View Cheque
d) Positive Pay System
e) All of the above
41. Which of these insurance/schemes can be taken through PNB One ?

a) Life Insurance through tie up partners
b) General Insurance through tieup partners
c) Health Insurance through tie up partners
d) Atal Pension Yojna/PMSBY/PMJJBY
e) All of the above
42. Pre approved Personal loan and Pre qualified Credit Card is available under PNB One . While clicking it
says No record found . what does that mean ?
a) Customer is not eligible
b) Customer has already availed mentioned loan/Card
c) Any of these
d) None of these
43. Customers other than individual (Self/Joint ) and Proprietorship concern can take Corporate Internet
Banking Facility through :
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a) Branch , Application form No 1212
b) Through Bank website
c) Through ATM
d) Through Call Centre
44. Branch can issue Corporate IBS to Corporate Customers through :

a) Menu option ADCREQ
b) Menu option IBSCPOST
c) Relationship Manager Portal on Finacle Home Page
d) None of these
45. The Air Accidental Insurance (Death cover) under PNB Rakshak Plus scheme is :
a) ₹25.00 Lakh b) ₹50.00 Lakh c) ₹75.00 Lakh d) ₹100.00 Lakh e) ₹ 150.00 Lakh
46. The Personal Accidental Insurance (Death cover) under PNB Rakshak Plus scheme is :
a) ₹25.00 Lakh b)₹50.00 Lakh c) ₹75.00 Lakh d) ₹100.00 Lakh e) ₹150.00 Lakh
47. The initial deposit under PNB Mini Deposit scheme is:
a) ₹10/-
b) ₹ 25/-
c) ₹ 50/-
d) ₹ 100/-
e) ₹ 500/-
48. Under PNB Platinum my salary account the Personal Accidental insurance is :
a) ₹ 50.00 Lakh.
b) ₹ 60.00 Lakh
c) ₹ 30.00 Lakh
d) ₹ 40.00 Lakh
e) ₹ 45.00 Lakh
49. Under PNB SILVER my salary account the Personal Accidental insurance is :
a) ₹50.00 Lakh.
b) ₹ 60.00 Lakh
c) ₹ 30.00 Lakh
d) ₹ 40.00 Lakh
e) ₹ 45.00 Lakh
50. Which of the following is not a feature of PNB Agni Rakshak for Agniveers:
a) Maximum Overdraft of ₹50,000/-
b) No Cash Handling Charges.
c) Unlimited free at par cheque book.
d) Unlimited free DD upto ₹ 50,000/- per DD
e) All are the features of PNB Agni Rakshak for Agniveers.
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PRACTICE SET-8
1. Through e-Statement service every month , statement of all linked account with a customer id is
delivered on registered email id ,free of cost. How to register for this service?
a) Branch would capture the e-mail ID of the customer in CRM and invoke Menu – UPEMAIL
b) Through Call Centre, Retail IBS,PNB One
c) Through SMS in the following format to 9264092640: ESTMT last 4 digit of account number
Email ID
d) All are correct
2. What is BHIM AADHAR PAY ?

a) Merchant version of Aadhaar Enabled Payment System (AEPS)
b) Accept payment from the Customers having Aadhaar enabled accounts using their Aadhaar
number and Biometrics.
c) Can be downloaded from Google Play Store.
d) The application has been made available for Individual Merchants i.e. Sole Proprietors and
Individual Merchants, who maintain Saving, Current, CC or OD account with Bank.
e) All of these
3. Which is/are correct wrt BHIM AADHAR PAY ?
a) App runs on Android phone only
b) Per Transaction limit Rs 10000
c) Installation charge and Rental is Nil
d) ADHARPAY Menu option is used for Enrolment of Merchant.
e) All of these
4. Wrt PNB Genie app, which statements are correct?
a) This is a mobile app for PNB Credit Card related all services.
b) App is available on both Google play store and apple store
c) Virtual Credit Card can be downloaded in Genie app.
d) All of these
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5. Which kind of POS (Point of sale) our bank offer to customers ?
a) Android POS
b) GPRS POS
c) PSTN POS
d) Lite GPRS/MPOS
e) All of these
6. W.r.tt. Monthly Rental of MPOS/Lite GPRS which of these statements are correct ?
a) Rental is ₹500, if monthly transaction is up to ₹1000
b) Rental is ₹350, if monthly transaction is above ₹1000 and up to ₹10000
c) Rental is Nil, if monthly transaction exceeds ₹10000
d) All are correct.
7. Which statements are correct wrt transactional alert ?
a) Transactional alert is sent on registered mobile no.
b) Transactional alert can also be sent on email id, if registered for the same.
c) transactional alert on mail can be registered through PNB One/IBS /Branch.
d) All are correct.
8. Bank has recently launched whatsapp banking. Which of these statements are correct ?
a) Customer can view Savings, OD and Current Accounts with mode of operation as Self, E/S,
Joint, F/S and sole prop only
b) Online account can be opened.
c) customers’ mobile number using WhatsApp should be registered with Bank.
d) Non Customers also can see informative services like bank products ,locate ATM etc and can
open account online.
e) All are correct.
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9. Which statements are correct wrt PNB Verify ?
a) Under this facility, the transactions can be authenticated using “In App” notifications of PNB
Verify Mobile App instead of OTP as second factor authentication.
b) PNB Verify can be enrolled using Internet Banking Service.
c) After enrolling through IBS, PNB Verify app is to be installed on mobile.
d) PNB Verify app can be locked using Password/Pattern Login/Biometric login
e) All are correct
10. Despite enrolling PNB Verify ,which of these certain Non Financial services will be performed by OTP as
second factor authentication instead of PNB Verify ?
a) Generate debit card pin Green PIN/Forgot Password/Forgot user id
b) Disable internet Banking /Register for Mobile banking/Reset password for Mobile banking
c) Mobile banking user blocking/ Enroll for challenge question
d) All of these
11. Which of these Non Financial services can be performed by PNB Verify app
a) Enable transaction password
b) Change account access / Change Limits /Change image/phrase
c) Confirm beneficiary
d) CNP (Card not present transactions through Debit Card)
e) All of these
12. If enrolled for PNB Verify , how will transaction be approved using IBS ?
a) After entering transaction password and proceed further by clicking on “Continue” a message
will be displayed on the screen to verify the transaction using PNB Verify Mobile App within 3
minutes.
b) User will Login to App to view the Notification and “Approve” or “Decline” the transaction.
c) Both are Correct
d) None are Correct
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13. Which Credit Cards are offered by our bank ?
a) Rupay - Platinum /Select / Millennial / Rakshak Platinum / Rakshak Select
b) VISA- Classic/Gold/Platinum/Signature
c) Corporate Credit Card with Individual liability
d) Corporate Credit Card with Corporate liability
e) All of these
14. All Credit Cards issued by the Bank are Contactless Card. Which are the features of Contact less Credit
Card ?
a) Cardholder has just to wave the card near the machine for a bill value not exceeding ₹ 5000/-
at a time without putting any PIN/signature.
b) Maximum 10 Contactless transactions can be done in a day.
c) Contactless transactions maximum limit per day ₹30000/-
d) All are true.
15. Whom can we issue Add-On Credit Card ?
a) only to spouse, mother, father, major son and daughter (unmarried) of the primary cardholder.
b) The age of add on cardholder should be between 18 and 70 years.
c) If the card is issued against the security of FDR, upper age criteria is waived as for Primary
cards.
d) Add on cards are not issued in case of Corporate Credit Cards.
e) All are True.
16. Which statements are true wrt our bank Credit Card ?
a) The applicant should be between the age of 21 years and up to 70 years.
b) Applicant should be literate .
c) The applicant should have independent financial means and the proof of income.
d) The applicant should have PAN card and valid email id.
e) All of these
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17. Minimum Net Annual Income for issuing Credit card –
a) For VISA Classic & Rupay Platinum- ₹250000
b) For VISA Gold –₹350000
c) For VISA Platinum, Rupay Select & PNB Millennial- ₹500000
d) For VISA Signature- ₹750000
e) All are correct
18. Which statements are true wrt maximum limit of Credit Card ?
a) Rupay Select / Millennial / Rakshak Select and VISA Platinum – ₹10 lakh
b) Rupay Platinum / Rakshak Platinum and VISA Gold – ₹5 lakh
c) VISA Signature – ₹15 Lakh
d) VISA Classsic – ₹1 Lakh
e) All are true
19. Which statements are true wrt BHIM PNB ?
a) A mobile app, which enables the users to access all their Bank Accounts opened with different
Banks.
b) Individuals including joint accounts and Proprietorship Firms (where mode of operation is self/
either or survivor/ anyone can operate/ Proprietor) can use this app
c) User can create Virtual ID/ UPI ID of the accounts and send / receive money using virtual id.
d) Mobile Number should be registered with the Bank account.
e) All are true .
20. As per FLR scheme, _______may consider period beyond the unexpired lease period and within the
renewal option as per lease deed for arriving at loan quantum, subject to maximum period of 15 years,
irrespective of the category of lessee:
a. MC
b. HOCAC-III & above
c. HOCAC-II & above
d. HOCAC-I & above
e. None of these
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21. Finance against future lease rentals under sub-lease arrangement where properties are rented to Govt.
departments, PSUs, reputed corporates and they are not inclined to enter into Tripartite Agreement, a
Letter of Undertaking from the borrower addressed to the lessee for paying rent to the bank be obtained
and got noted / acknowledged by the lessee.
a. True b. False
22. In case of receipt of request for transfer of borrowal account, either from the borrower or from a bank/
financial institution accompanied with a request from borrower, which proposes to take-over the
account, the consent or otherwise i.e objection of the Bank, if any, shall be conveyed within ____from
the date of receipt of request
a. 7 days
b. 14 days
c. 21 days
d. 30 days
e. None of these
23. For relaxations in penal interest, which of the following statement is not true:
a. CHCAC may relax upto 50% of card rate in sanctions of GBB/PLP/MCC and upto 25% of card rate
in own sanction.
b. ZOCAC may relax upto 100% of card rate in sanctions upto CHCAC and upto 50% of card rate in
own sanction.
c. HOCAC-I may relax upto 100% of card rate in sanctions upto ZOCAC and upto 50% of card rate in
own sanction.
d. HOCAC-II may relax upto 100% of card rate in sanctions upto its power and upto 50% of card rate
in Higher sanction.
e. All are true
24. Techno Economic Viability (TEV) Study provides an appraisal of technological parameters of projects
and its impact on the financial viability. The TEV Study needs to be carried out prior to decision taken
by the lenders. For conducting TEV study , a certain cut-off in terms of Cost of project is fixed by the
bank. However TEV study need not be conducted in which of the following cases:
a. In normal circumstances, for conventional industrial units like Dal Mills, Rice Mills, Flour Mills and
units in Micro, Small and Tiny sectors.
b. Certain sectors like Hotels, Shopping Malls, Construction Projects, Hospitals, Educational institutions,
TEV study or vetting of the Projects may not be asked for, as commercial viability/debt servicing
potential of such Projects can be better assessed on the basis of their financial Models by the
concerned credit desk and the credit decision can be taken by assessment of Group’s net worth etc.
c. In case of industrial units operating in cluster and such cases to be considered using Model Projects
emanating from Technical Cell at Zonal Offices as a base project report.
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d. In case the project is appraised by any Govt. Agency/PSU or any AAA externally rated company.
e. In all the cases mentioned in para a to d , TEV study need not be conducted.
25. NBFC-MFI is a non-deposit taking NBFC having not less than 75% of its assets in the nature of qualifying
assets which satisfy the following criteria:
a. Collateral-free loan given to a household having annual household income up to ₹3.00 Lakh. For this
purpose, the household shall mean an individual family unit, i.e., husband, wife and their unmarried
children.
b. All collateral-free loans, irrespective of end use and mode of application/ processing/ disbursal
(either through physical or digital channels), provided to low-income households, i.e., households
having annua income up to ₹3.00 Lakh shall be considered as microfinance loans.
c. To ensure collateral-free nature of the microfinance loan, the loan shall not be linked with a lien on
the deposit account of the borrower.
d. The NBFC-MFI shall have a board approved policy to provide the flexibility of repayment periodicity
on microfinance loans as per borrowers’ requirement.
e. All are true
26. Controlling offices to ensure that revenue audit reports are closed within ____in case of
Small/Medium/Large branches:
a. 30 days
b. 45 days
c. 60 days
d. 90 days
27. While submitting Revenue Audit Report, auditor is also required to indicate the name of erring officials
in individual incidences of undercharges of ____besides comments on staff accountability:
a) ₹25,000/- & above

b) ₹50,000/- & above
c) ₹75,000/- & above
d) ₹1,00,000/- & above
28. What is the Annual Guarantee Fee (AGF)-Standard rate for Retail Trade (upto ₹100.00 Lakh) Category.
a) 1.00% + Risk Premium as per extant guidelines of the Trust

b) 1.35% + Risk Premium as per extant guidelines of the Trust
c) 1.80% + Risk Premium as per extant guidelines of the Trust
d) 2.00% + Risk Premium as per extant guidelines of the Trust
e) None of these
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29. What is the rate of Risk Premium for FY 2021-22?
a) 30 % of SR
b) 35 % of SR
c) 40 % of SR
d) 50 % of SR
e) None of these
30. Personal Guarantee of sole proprietor, partners in case of partnership/limited liability partnership,
Trustees in case of Trust, Karta & Co-Parceners in case of HUF and promoter directors in case of
Private/Public Limited Companies not to be treated as third party guarantee.
a. True b. False
31. Under MUDRA scheme , for Credit Limit Upto ₹5.00 Lakh, Loan application should be disposed off within
2 weeks
a. True b.False
32. Under Prime Plus Scheme, what is the frequency of Inspection for regular accounts:
a) Monthly
b) Quarterly
c) Half Yearly
d) Annual
e) As per discretion of Branch Head
33. Which of the following scheme is merged with Prime Plus Scheme:
a) PNB-Udyog
b) PNB Seva
c) PNB-Vyapari
d) PNB Contractor
e) All merged with Prime Plus Scheme
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34. After successful launching of PAPL , to further give boost to digital lending our bank has launched new
variant “Pre-Approved Personal loan to existing Car loan, Home loan and Personal loan borrowers.
Which of the following is true regarding the new scheme:
a) Existing Car Loan Borrower with satisfactory track record Car loan older than 3 years. Existing
Personal loan with satisfactory track record. Personal loan is older than 3 years.
b) Existing Home Loan with sanction limit of > ₹ 7.50 lacs, with satisfactory track records Home loan
where repayment started and borrower is repaying EMI from repayment start date regularly for
last 3 years.
c) Having an operative SB/ CA account in our Bank.
d) Car Loan, Home loan and Personal Loan account against which Digital personal loan is being
offered, should not be in SMA1/ SMA2 at any point of time from the date of sanction.
e) All are true
35. Which services are available under PNB PA App ?
a) Online Opening of Saving Account

b) Applying online for various products
c) Access to existing PNB Apps
d) ATM/BNA & Branch Locator, Offers, Contact details, Loan EMI Calculator etc
e) All of these
36. Can e-Filing of Income Tax can be done through Corporate Internet Banking ?
a. Yes b. No
37. PNB BRONZE scheme is for:
a) Full time Government employees (State/Central)

b) The Contractual employees hired by Central/ state Govt
c) The Contractual employees hired by PSU/Semi-Govt organizations.
d) Both B & C
e) All A, B & C
38. Which of the following is not a feature of PNB BRONZE scheme:
a) Zero Initial Deposit.

b) Zero Q.A.B.
c) Sweep In/Out facility available.
d) Overdraft Facility Available.
e) All are the features of PNB BRONZE Scheme.
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39. As per Credit Card Policy, the card-issuer’s representatives shall contact the customers only between:
a) 8:00 hrs and 19:00 hrs.

b) 9:00 hrs and 19:00 hrs.
c) 10:00 hrs and 19:00 hrs.
d) 10:00 hrs and 19:00 hrs.
40. As per RBI guidelines, Investments under HTM category shall not exceed :
a) 20% of the bank’s total investments

b) 22% of the bank’s total investments
c) 25% of the bank’s total investments
d) 30% of the bank’s total investments
41. Which of the following is true w.r.t. Fee payable to ASM:
a) The ASM fee shall be minimum of ₹5 lakh.

b) Maximum of fee shall be 0.05% per annum of the total exposure or limits (for overall
consortium limit) whichever is higher
c) The minimum and maximum fee cap shall be quoted while publishing the advertisement in
website / newspaper
d) The financial bids of below ₹ 5 lakh and above 0.05% of the total exposure or limits (for overall
consortium limit) whichever is higher shall not be considered.
e) All are true
42. Commission payable to Corporate BCs for onward payment to BC Agents for NPA (Non Suit Filed)
including write off
a) 2.00% on amount of recovery
b) 2.50% on amount of recovery

c) 5.00% on amount of recovery
d) 7.50% on amount of recovery

e) None of the Above
43. ECB borrowing can be held in Fixed Deposits for the period till:
a) 6 Months
b) 12 Months
c) 18 Months
d) 24 Months
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44. For the purpose of adducing evidence to prove the fact of dishonour of cheque on behalf of complainant
(i.e. payee/holder of a dishonoured cheque) ,the records of dishonoured cheques would be preserved
for:
a) 3 Years
b) 5 Years
c) 7 Years
d) 10 Years
45. As per Co Lending policy, maximum ticket size per loan in case of secured MSMEs:
a) ₹1.00 Crore
b) ₹5.00 Crore
c) ₹7.50 Crore
d) ₹10.00 Crore
46. What is the penalty for default in APY:
a) 0.5 % for each month of default

b) 1 % for each month of default
c) 0.5 % flat on default amount
d) 1 % flat on default amount
47. Which Ratio is not prescribed in Resolution Framework
a) DSCR (Debt Service Coverage Ratio)
b) DER (Debt Equity Ratio)

c) Current Ratio
d) Loan Life Ratio
e) ICR (Interest Coverage Ratio)
48. The cases where NPRV is less than the book outstanding or Zero and Book Outstanding is more
than_______, then before considering OTS Proposal, Detective Agency should be engaged (If
previously not engaged).
a) ₹1.00 Cr
b) ₹5.00 Cr
c) ₹10.00 Cr
d) ₹25.00 Cr
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49. RAM advance share to Domestic Advances as on 30.09.2022
a) 51.25
b) 52.75
c) 53.50
d) 54.00
50. Where solar system is installed on standalone basis and applicant is not ready to mortgage the
property, maximum repayment period permitted.

a) 4 years
b) 5 years
c) 7 years
d) 10 years
******************
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Answer Sheet
Practice Set-1
Q A Q A Q A Q A Q A
1 b 11 b 21 d 31 c 41 b
2 a 12 e 22 b 32 e 42 d
3 e 13 d 23 d 33 e 43 d
4 e 14 a 24 b 34 e 44 b
5 b 15 d 25 e 35 e 45 c
6 e 16 e 26 e 36 c 46 e
7 d 17 b 27 e 37 e 47 c
8 d 18 c 28 b 38 a 48 a
9 b 19 a 29 c 39 b 49 b
10 e 20 d 30 e 40 a 50 a
1-b: Correct Answer:15 Years, 5-b: Correct Answer: on the Limit outstanding, 9-b: Correct Answer: realizable value shall
be considered
16-e (Powers for sanctioning of clean OD in saving accounts shall be withdrawn and no clean OD should be permitted in
savings accounts except for schemes with inbuilt OD facility/ scheme specific reasons)
22-b (No. It is clarified that proposals under MSME PRIME PLUS, entry level Internal Credit Risk Rating will be B1 & above.
B2 & below rated accounts, which are presently covered under any other Schemes, will not be covered under MSME
PRIME PLUS)
24-b:Correct Answer: 5 Years, 28-b: Correct answer is 680, 36- C is wrong (Correct answer is :not below the scale-IV
from Finance Division), 39-b realizable value of land shall be accepted
Practice Set-2
Q A Q A Q A Q A Q A
1 a 11 b 21 e 31 b 41 c
2 b 12 d 22 e 32 c 42 e
3 b 13 a 23 a 33 e 43 c
4 e 14 e 24 a 34 e 44 c
5 d 15 b 25 b 35 a 45 d
6 b 16 e 26 b 36 c 46 c
7 e 17 e 27 b 37 b 47 c
8 a 18 e 28 a 38 d 48 b
9 b 19 e 29 b 39 e 49 a
10 e 20 e 30 b 40 b 50 b
1-a (The account which is already covered under MSME Prime Plus Scheme will continue to be covered under MSME Prime
Plus Scheme even though the rating is declined subsequently. ROI under such cases shall be charged as specified in the
ROI table provided in the scheme)
5-d (No specific benchmark ratio is stipulated as there is no requirement of submitting financial statement under the Scheme)
6-b Correct Answer: 1 year,10-e Correct Answer CIC cut off 700,11-b Correct answer:3 months
14-e Correct Answer: 6 AM,,15-b Correct Answer: 3 Months, 25-b (Correct Answer: ₹ 10.00 Lakh
29-b Correct Answer: 2 Years
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Practice Set-3
Q A Q A Q A Q A Q A
1 a 11 e 21 e 31 a 41 b
2 a 12 a 22 b 32 b 42 b
3 d 13 b 23 e 33 c 43 a
4 b 14 e 24 c 34 d 44 e
5 c 15 e 25 e 35 e 45 d
6 e 16 c 26 b 36 d 46 c
7 a 17 e 27 d 37 e 47 c
8 e 18 e 28 e 38 e 48 c
9 c 19 e 29 e 39 d 49 c
10 d 20 b 30 b 40 b 50 e
Practice Set-4
Q A Q A Q A Q A Q A
1 d 11 e 21 a 31 a 41 d
2 d 12 e 22 e 32 e 42 d
3 b 13 e 23 c 33 d 43 b
4 e 14 c 24 e 34 d 44 b
5 a 15 d 25 a 35 b 45 b
6 c 16 b 26 d 36 c 46 e
7 b 17 b 27 b 37 b 47 e
8 c 18 b 28 d 38 b 48 d
9 e 19 b 29 c 39 e 49 b
10 e 20 e 30 e 40 b 50 d
Practice Set-5
Q A Q A Q A Q A Q A
1 e 11 a 21 c 31 d 41 d
2 e 12 b 22 c 32 c 42 d
3 b 13 c 23 a 33 a 43 c
4 c 14 e 24 c 34 b 44 b
5 e 15 c 25 d 35 e 45 c
6 e 16 b 26 c 36 a 46 c
7 c 17 b 27 d 37 d 47 c
8 c 18 a 28 d 38 b 48 d
9 e 19 c 29 a 39 d 49 b
10 a 20 d 30 a 40 a 50 a
28-d (POS/E-Commerce limit- Classic ₹1.50 Lakh and Platinum ₹4.00 Lakh)
34-b (Only i,ii, and iii are Correct . Pin will be set by Green Pin OTP)
47-c (Issuance nil on all Rupay cards except Select, AMC ₹250 on all Rupay platinum cards)
48-d (Insurance available on Rupay Platinum/Select and Rupay PMJDY Cards)
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Practice Set-6
Q A Q A Q A Q A Q A
1 d 11 d 21 a 31 e 41 d
2 b 12 d 22 a 32 a 42 d
3 d 13 c 23 a 33 d 43 e
4 d 14 a 24 a 34 c 44 b
5 a 15 a 25 d 35 d 45 a
6 e 16 a 26 c 36 d 46 a
7 d 17 a 27 a 37 e 47 e
8 a 18 d 28 b 38 e 48 e
9 d 19 e 29 a 39 e 49 e
10 a 20 c 30 a 40 d 50 b
Practice Set-7
Q A Q A Q A Q A Q A
1 e 11 d 21 e 31 d 41 e
2 a 12 d 22 d 32 d 42 c
3 a 13 e 23 a 33 e 43 a
4 d 14 c 24 e 34 a 44 c
5 b 15 e 25 d 35 a 45 d
6 a 16 e 26 d 36 e 46 b
7 a 17 a 27 d 37 d 47 c
8 a 18 d 28 a 38 a 48 a
9 d 19 b 29 d 39 e 49 c
10 e 20 c 30 e 40 e 50 e
Practice Set-8
Q A Q A Q A Q A Q A
1 d 11 e 21 a 31 a 41 e
2 e 12 c 22 c 32 c 42 c
3 e 13 e 23 e 33 e 43 b
4 d 14 d 24 e 34 e 44 b
5 e 15 e 25 e 35 e 45 d
6 d 16 e 26 b 36 a 46 b
7 d 17 e 27 a 37 d 47 e
8 e 18 e 28 d 38 d 48 c
9 e 19 e 29 e 39 c 49 c
10 d 20 b 30 a 40 c 50 b
18-e
• In case of staff/Ex Staff ,Limit is Predefined/Preapproved

• VISA/ Rupay Platinum credit cards and Rupay Select Credit Cards will be given to officers in Scale III & above
• VISA Gold/ VISA Classic/ RuPay Platinum Credit Cards will be given to all other officers including clerical and sub-
staff cadre
• 50% of the available limit can be used for purchase of gold/jewellery ,
• Cash withdrawal limit is 20 % of limit.
29-e (Correct Answer: 45 % of SR)
उत्कर्ष -2023@ 88 | P a g e
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INDEX

S. No. PARTICULAR Page No.

3. W.r.t. takeover which of the following is not to be considered as takeover:

4. Which of the following is not included in Unified Processing Fees?

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a. PLP Head based on recommendation of Branch Head

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25. Which statements are true wrt BHIM PNB ?

b) Other Bank Customers can also download.

e) All are True

a) Limit will be 80% of FDR, Minimum FDR amount ₹13000/-.

b) Minor, Joint deposit with Minor is not eligible

c) No Income proof / No upper Age limit

d) Not for Tax Saver/Capital gain FDR

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27. Which of the following is true regarding PNB Tatkal Scheme?

30. Which of the following forms part of ANBC?

31. Which is the feature of Rakshak Plus Debit Card ?

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e) None of the above

32. Which of the following is true w.r.t. Mortgage Creation Charges?

33. Which of the following is true w.r.t. QMS Exemption:

e. All are true

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36. Which of the following is not true w.r.t. Disclosure Policy:

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44. Mutual funds are regulated by:

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a) 24 Hours b) 36 Hours c) 48 Hours d)60 Hours e) None of the above

49. Ceiling for Co Lending Limit for “A” rated NBFCs:

a. Accepting of such lease hold property shall be restricted to TIER-I cities.

30. What is minimum advance against sovereign gold Bonds :

a) ₹25000/- b) ₹50000/- c)₹5000/- d)₹10000/- e)₹15000/-

34. What is true about advances AGAINST Sovereign GOLD bonds?

35. What is Minimum Loan amount under Pension Loan Scheme?

39. The nature of loan under Pension loan is:

41. What is the maximum Repayment Period of Pension Loan?

a) Penalty of ₹250 per day of delay payable to the customer,

a) 7 years b) 10 Years c) 12 Years d) 15 Years e) None of these

16. The margin under PNB PRAVASI SHIKSHA Loan is:

26. The maximum limit in Krishak Unnati Yojna is :

37. Which of the following is part of priority sector lending?

45. Which institution maintains RIDF?

3. In Agriculture Loan, No SNW is required to be collected for loan up to ₹_____

4. In agriculture Loans Scale of finance for production Credit is decided by:

17. In Krishak Sathi Scheme loan is to be repaid in:

20. Financing under minor irrigation activities includes:

22. Who are eligible for financing for forestry development?

27. Maximum loan under Kisan Tatkal Yojna is:

30. Which of the following is eligible to avail Produce (Marketing) Loan?

39. Which of the following is the purpose of farm mechanization scheme?

49. What is the maximum gestation period in case of mushroom cultivation?

5. In apiculture financing, following activities are covered for financing:

18. Debit Card can be issued in :

19. After expiry of Debit Card :

20. In which of these Current accounts, Debit Card can be issued :

22. Can Minor be issued Debit Card ?

23. Personalized Debit Card is dispatched at customer/Branch address within :

b) i ,iii and iv are correct

c) Only i ,ii and v are correct

d) All are Correct