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MODEL QUESTION PAPER

I. General Banking-

1. What is the threshold limit for non deduction of TDS in case of time deposit accounts?

a. Rs. 50000/-

b. Rs. 10000/-

c. Rs. 6000/-

d. Rs. 5000/-

2. What is the time limit for supply of information as per the Right to Information Act if it concerns the life and liberty of a person?

a. 12 hours

b. 24 hours

c. 36 hours

d. 48 hours

3. Which section of the Negotiable Instruments Act, 1881 defines Holder in due course?

a. Sec 11

b. Sec 10

c. Sec 15

d. Sec 20

4. Which Act defines the term 'mortgage'?

a. Indian Contract Act

b. Transfer of Property Act

c. Consumer Protect Act

d. Banking Regulation Act

5. What is the relationship between RBI and SBI in case of currency chest branches?

a. Bailor and Bailee

b. Licensor and Licensee

c. Trustee and Beneficiary

d. Creditor and Debtor

6. KYC guidelines are based on the recommendation of which Committee?

a. Kalia Commmittee

b. Ghosh Committee

c. Basel Committee

d. Damodaran Committee

7. In case low risk customers, KYC should be updated at what intervals?

a. 10 years

b. 8 years

c. 6 years

d. 5 years

8. What is the maximum amount of compensation an Ombudsman can allow for any case referred to it?

a. 5 lacs

b. 10 lacs

c. 15 lacs

d. 20 lacs

9. Banks are required to maintain Cash Reserve Ratio with the RBI as per which section of the RBI Act?

a. Sec 51

b. Sec 42

c. Sec 21

d. Sec 24

10. What is the relationship between the Banker and a person who has left articles by mistake in the Branch Premises?

a. Trustee and Beneficiary

b. Bailor and Bailee

c. Pledgor and Pledgee

d. Debtor and Creditor

11. Gold Banking Business comes under which Strategic Business Unit?

a. Agricultural Business Unit

b. National Banking Group

c. Government Business Unit

d. Mid Corporate Group

12. How many articles are there in UCPDC 600?

a. 36

b. 37

c. 38

d. 39

13. What is the credit convertibility factor of a performance guarantee?

a. 25%

b. 50%

c. 100%

d. 125%

14. When a cheque is wrongfully dishonored, who is the Banker liable to?

a. Drawer

b. Payee

c. Bearer

d. None of the above

15. Noting has been defined under which section of the Negotiable Instruments Act?

a. Sec 24

b. Sec 42

c. Sec 99

d. Sec 100

16. Protection is given to a collecting Banker as per which section of the Negotiable Instruments Act?

a. Sec 10

b. Sec 34

c. Sec 131

d. Sec 139

17. What is the time period under the SARFAESI Act 2002, for justifying the possession, in case a borrower raises objection for the possession of the asset?

a. 7 days

b. 14 days

c. 21 days

d. 30 days

18. Which committee gave recommendations on the working capital requirements of the SSI Sector?

a. Goiporia committee

b. Kalia committee

c. Nayak committee

d. Narasimham committee

19. Customer Service Committee meeting is to be held at Branches at what intervals?

a. Monthly

b. Quarterly

c. Half yearly

d. Yearly

20. Who signs one rupee currency notes?

a. Governor, RBI

b. Prime Minister

c. Finance Secretary

d. Deputy Governor, RBI

21. Clean Note Policy has been issued by RBI under______?

a. Sec 35A of the RBI Act

b. Sec 35A of Banking Regulation Act

c. Sec 53A of the RBI Act

d. Sec 53A of Banking regulation Act

22. What is the cash withdrawal limit by a multi city cheque in case of non-home branches?

a. Rs. 10000/-

b. Rs. 20000/-

c. Rs. 25000/-

d. Rs. 50000/-

23. Guarantee Bond System is applicable to currency notes of up to which currency?

a. Rs. 10/-

b. Rs. 50/-

c. Rs. 100/-

d. Rs. 500/-

24. What is the periodicity of submitting Forms 60/61 to Income tax department?

a. Monthly

b. Quarterly

c. Half Yearly

d. Yearly

25. What is the monetary limit for cases referred to Lok Adalats?

a. 10 lacs

b. 20 lacs

c. 25 lacs

d. 50 lacs

26. What is the time limit for filing a complaint under the Consumer Protection Act?

a. 30 days

b. 6 months

c. 1 year

d. 2 years

27. Within how many days should a charge be registered at the ROC?

a. 30 days

b. 60 days

c. 120 days

d. 180 days

28. Bank Rate is defined as per which section of he RBI Act?

a. Sec 24

b. Sec 42

c. Sec 49

d. Sec 51

29. Who is the appellate authority in case of LHO offices as per the Right to Information Act?

a. AGM (HR)

b. DGM & CDO

c. GM (Network-I)

d. GM ( Network-II)

30. What is the periodicity of obtaining strong room fitness certificate?

a. Monthly

b. Quarterly

c. Half Yearly

d. Yearly

II. General Awareness

1. In line with the D-SIB framework which two Banks have been declared by RBI as Domestic Systematically Important banks?

a. HDFC and ICICI

b. SBI and ICICI

c. SBI and UCO Bank

d. UCO Bank and HDFC

2. Who is the new Chief Justice of India?

a. T.S. Thakur

b. H. L. Dattu

c. R.M. Lodha

d. P Sathasivam

3. Which field is Angus Deaton associated with?

a. Physics

b. Chemistry

c. Literature

d. Economics

4. India’s 1st double decker Shatabdi express is proposed to ply between which two destinations?

a. Mumbai to Pune

b. Mumbai to Goa

c. Chennai to Bengaluru

d. Chennai to Coimbatore

5. Who is the vice Chairman of the NITI Aayog?

a. Bibek Debroy

b. Arvind Panagariya

c. V.K Saraswat

d. Ramesh Chand

6. Who became the 1st Indian to win a medal in the Compound section in the finals of the Archery World Cup?

a. Abhiskek Verma

b. Sarvesh Pareek

c. Mangal Singh Champia

d. Harinder Singh

7. What is the minimum quantity of gold that needs to be deposited in case of the gold monetisation scheme?

a. 10 gms

b. 20 gms

c. 30 gms

d. 50 gms

8. According to the World Bank report, what is India’s rank for the ease of doing business?

a. 129

b. 130

c. 131

d. 132

9. Who has been appointed as the Chief Information Commissioner of India?

a. Arun Kumar Jain

b. Radha Krishna Mathur

c. Sunil Kanoria

d. Jamaludeen Mohamed Sali

10. Who is going to be the Chief Guest at the 67th Republic Day celebrations of India?

a. Francois Hollande

b. Mauricio Macri Blanco

c. Malcolm Turnbull

d. Justin Trudeau

11. Which state has been emerged as the fastest growing state in terms of Gross Domestic Product?

a. Andhra Pradesh

b. Maharashtra

c. West Bengal

d. Bihar

12. Which is the 1st Bank to launch a MUDRA card under the Pradhan Mantri MUDRA Yojana?

a. Corporation Bank

b. Indian Bank

c. State Bank of India

d. ICICI Bank

13. Which Bank announced to launch ‘green bonds’ in India for raising funds for investments in environmental projects?

a. Indian Bank

b. Axis Bank

c. HSBC Bank

d. HDFC Bank

14. Who has been appointed as the Chairman of the Bandhan Bank?

a. Ashok Kumar Lahiri

b. Chandra Shekhar Ghosh

c. Yogesh Chandra Nanda

d. Sisir Kumar Chakravarti

15. Who is the MD and Chairman of the National Housing Board?

a. Rajiv Mehrishi

b. Ratan P Watal

c. Sriram K Raman

d. Girish Sahni

16. What is the maximum foreign currency a resident individual can avail as per the liberalized remittance scheme?

a. $ 100000

b. $ 125000

c. $ 200000

d. $ 250000

17. Which bank became the first public sector lender to launch wealth management service, a space dominated by private and foreign players, to cater to fast-growing affluent segment of the country?

a. State Bank of India b. HDFC Bank c. Axis bank d. HSBC Bank

18. Which is the 1st bank in India to launch a fully automatic locker facility? a. State bank of India

b. HDFC Bank c. Axis Bank d. ICICI Bank

19. When is Risk Awareness day observed in the Bank? a. 1st August b. 1st September c. 1st October

d. 1st November

20. What is the venue of the 2022 Commonwealth Games? a. Durban b. Hangzhou

c. Beijing d. New Delhi

21. Where is the 1st Indian Financial Services Centre (IFSC) proposed to be set up?

a. Mumbai

b. Chennai

c. Surat

d. Gandhinagar

22. MUDRA is an initiative launched by the Government of India and which Body?

a. RBI

b. SIDBI

c. NABARD

d. SBI

23. What is the minimum corpus required for setting up Payments Bank in India?

a. Rs. 100 crore

b. Rs. 200 crore

c. Rs. 400 crore

d. Rs. 500 crore

24. Who is the Director General of World trade Organization (WTO)?

a. Jim Yong Kim

b. Ban Ki Moon

c. Roberto Azevedo

d. Christine Lagarde

25. Forward Markets Commission (FMC) has been merged with which body?

a. SEBI

b. RBI

c. IRDA

d. ROC

26. What is cost per gram of gold under the Gold Bond Scheme?

a. Rs. 2100/-

b. Rs. 2300/-

c. Rs. 2600/-

d. Rs. 2800/-

27. What is the minimum quality of gold accepted under the Gold Monetisation

Scheme?

a. 10 grams

b. 20 grams

c. 30 grams

d. 50 grams

28. When is Computer Security Day observed?

a. 1st November

b. 30th November

c. 1st December

d. 31st December

29. The concept of SHGs was started in which country?

a. Bangladesh

b. India

c. Singapore

d. Myanmar

30. Who is the Chief Election commissioner of India?

a. P L Punia

b. Anil Kumar Sinha

c. R K Mathur

d. Syed Nasim Zaidi

III. Development Banking

1. What is the Turn Around Time for the TATKAL scheme of Tractor loans?

a. 24 hours

b. 48 hours

c. 72 hours

d. 96 hours

2. What is the maximum amount that can bee sanctioned for financing cold storage?

a. 10 crores

b. 12 crores

c. 14 crores

d. 16 crores

3. What is the minimum ground water that needs to be available for a land to be classified as white block?

a. 50%

b. 60%

c. 70%

d. 80%

4. The concept of Service area approach has been recommended by which committee?

a. Narasimham committee

b. Kalia Committee

c. Ojha Committee

d. Mundhra Committee

5. What is the minimum spacing norms between two dug wells?

a. 180 metres

b. 210 metres

c. 220 metres

d. 240 metres

6. What can be the maximum age of the promoter in case of SME Smart score?

a. 58 years

b. 60 years

c. 65 years

d. 70 years

7. What is the maximum amount of loan that can be given to non-allopathic doctors in case of Doctor Plus?

a. 10 lacs

b. 20 lacs

c. 50 lacs

d. 1 crore

8. What is the maximum repayment period in case of SME car loans?

a. 3 years

b. 5 years

c. 7 years

d. 10 years

9. Which document is required to be submitted for conversion of crop loan into term loan in case of crop failure?

a. AB-3

b. AB-5

c. AB-6

d. AB-7

10. Upto what amount is no dues certificate waived in case of Agri loans?

a. Rs. 25000/-

b. Rs. 50000/-

c. Rs. 100000/-

d. Rs. 150000/-

11. What is the minimum amount of loan given in case of SBI Construction Equipment Loan?

a. 10 lacs

b. 15 lacs

c. 20 lacs

d. 25 lacs

12. When is DCB register required to be submitted every year?

a. 30th March

b. 30th June

c. 30th September

d. 31st December

13. What is the maximum loan that can be granted against gold coins?

a. 10 gms

b. 20 gms

c. 50 gms

d. 100 gms

14. Up to what amount is collateral waived in case of KCC loans with tie up arrangements?

a. Rs. 50000/-

b. Rs. 100000/-

c. Rs. 300000/-

d. Rs. 500000/-

15. What is the margin that is required to be provided by the borrower in case of Produce Marketing Loan?

a. 10%

b. 20%

c. 40%

d. 50%

16. What should be the investment in plant and machinery for a unit to be classified as a micro unit under manufacturing sector?

a. Rs. 10 lacs

b. Rs. 20 lacs

c. Rs. 25 lacs

d. Rs. 50 lacs

17. What is the maximum period upto which book debts can be financed under Arthias Plus?

a. 2 months

b. 3 months

c. 6 months

d. 12 months

18. What is the frequency for submission of stock statements for loans upto 25 lacs under SME Collateral Free loan?

a. Monthly

b. Bi monthly

c. Quarterly

d. Half yearly

19. What type of facility is granted under Farmers Easy Empowered Loan (FEEL)?

a. Term Loan

b. Agricultural Cash Credit

c. Demand Loan

d. TL & ACC

20. What is the maximum limit upto which Kishore loans can be granted under Pradhan Mantri Mudhra Yojana?

a. Rs. 50000/-

b. Rs. 100000/-

c. Rs. 500000/-

d. Rs. 1000000/-

21. What is the maximum loan that can be granted under SBI GATI Vaahan commercial loan?

a. 10 lacs

b. 20 lacs

c. 25 lacs

d. 30 lacs

22. Mid-Corporate Branches are allowed to handle proposals upto what limit?

a. Rs. 5 crore

b. Rs. 10 crore

c. Rs. 25 crore

d. Rs. 50 crore

23. What should be the minimum CRA rating of a unit under Open Term loan?

a. SB-6

b. SB-8

c. SB-9

d. SB-10

24. How many times in a year can SME Credit Plus facility be used?

a. Once

b. 2 times

c. 6 times

d. 12 times

25. What is the penalty for non maintenance of quarterly average balance in case of SME Sahaj accounts?

a. Rs. 100/-

b. Rs. 300/-

c. Rs. 500/-

d. Rs. 1000/-

26. What is the minimum score required to be obtained in the scoring model in case of SME Credit card?

a. 50%

b. 55%

c. 60%

d. 65%

27. What is the minimum quarterly average balance tthat is required o be maintained in case of SME Power Pack accounts?

a. Rs. 1 lacs

b. Rs. 2 lacs

c. Rs. 3 lacs

d. Rs. 5 lacs

28. What is the maximum number of accounts that can be opened at a time under Kisan Gold Card?

a. 2

b. 3

c. 5

d. 10

29. What is the minimum limit that can be granted under the SHG Gold Card scheme?

a. Rs. 1 lacs

b. Rs. 2 lacs

c. Rs. 3 lacs

d. Rs. 5 lacs

30. What can be the minimum number of members in an SHG case of difficult areas, disabled persons and minor irrigation schemes.?

a. 5

b. 10

c. 15

d. 20

IV. PERSONAL BANKING

1. What is the maximum loan amount for financing used cars?

a. 10 lacs

b. 15 lacs

c. 20 lacs

d. 25 lacs

2. When a savings plus MOD account is broken what is the mode of payment?

a. Last In First Out (LIFO)

b. First In First Out (FIFO)

c. Weighted Average Method


3. What is the validity of a home loan sanction?

a. 2 months

b. 3 months

c. 6 months

d. 12 months

4. What is the risk classification of an inoperative account?

a. Low risk

b. Medium risk

c. High risk


5. Can a visually challenged person issue PDCs? If so, what amount?

a. No.

b. Yes, Upto 10

c. Yes, Upto 48

d. Yes, No limit

6. What is the minimum loan amount in case of NRI home loans?

a. No minimum

b. Rs. 1 lacs

c. Rs. 3 lacs

d. Rs. 5 lacs

7. Under SBI Student Loan, what is the maximum amount for studies in India?

a. 10 lacs

b. 15 lacs

c. 20 lacs

d. 30 lacs

8. Which body prescribes the tenure of fixed deposits?

a. RBI

b. IBA

c. Government of India


9. What is the maximum number of gift cards that can be issued in a month?

a. 3

b. 5

c. 10

d. 15

10. What is the insurance cover available in case of State Bank classic debit card?

a. NIL

b. Rs. 1 lac

c. Rs. 2 lacs

d. Rs. 5 lacs

11. What is the minimum net monthly income required to be eligible for Xpress Credit Scheme?

a. Rs. 5000/-

b. Rs. 7500/-

c. Rs. 10000/-


12. What is the margin amount in case of SBI Loyalty car loan scheme?

a. NIL

b. 10%

c. 15%

d. 20%

13. To get overdraft under the PMJDY, RuPay card must be used in what intervals?

a. 30 days

b. 45 days

c. 60 days

d. 90 days

14. What is the minimum and maximum amount that can be transferred through Western Union Money Transfer in a month?

a. Min- NIL, Max- 2500 USD

b. Min- 100 USD, Max- 2500 USD

c. Min- 100 USD, Max- 5000 USD

d. Min- 250 USD, Max- 5000 USD

15. What is the maximum age limit for opening a Yuva SB account?

a. 25 years

b. 30 years

c. 40 years

d. 45 years

16. What is the LTV ratio for home loan amount greater than Rs. 75 lacs?

a. 90%

b. 85%

c. 80%

d. 75%

17. What is the validity of In Principal approval in case of Home loans?

a. 30 days

b. 45 days

c. 60 days

d. 90 days

18. What is the maximum repayment in case of loans under SBI Realty?

a. 180 months

b. 240 months

c. 300 months

d. 360 months

19. What is the validity of a Home Loan Pre-Approved Limit (PAL)?

a. 3 months

b. 4 months

c. 6 months

d. 12 months

20. What is the margin money which is required to be contributed by the borrower for availing Certified Pre-owned car loan?

a. 10%

b. 15%

c. 20%

d. 30%

21. What is the minimum NMI required to avail SBI Saral loan?

a. Rs. 2000/-

b. Rs. 3000/-

c. Rs. 5000/-

d. Rs. 7500/-

22. What is the minimum deposit amount in case of SBI Annuity Deposit Scheme?

a. Rs. 10000/-

b. Rs. 20000/-

c. Rs. 25000/-

d. Rs. 50000/-

23. What is the maximum tenure of SBI Flexi Deposit?

a. 3 years

b. 5 years

c. 7 years

d. 10 years

24. What is the margin money required to be contributed by the borrower in case of Earnest Money Deposit Scheme?

a. NIL

b. 10%

c. 15%

d. 20%

25. On maturity of a PPF account, if the amount is not withdrawn interest is paid at what rate of interest?

a. Savings Bank rate

b. PPF Rate

c. Lower of these two


26. What is the minimum amount of deposit in case of Term Deposit account?

a. Rs. 100/-

b. Rs. 500/-

c. Rs. 1000/-

d. Rs. 10000/-

27. What is the maximum amount of loan that can be granted to an indiviadual under the SBI Housing Loan scheme?

a. 10 crore

b. 50 crore

c. 100 crore

d. 200 crore

28. What can be the maximum age of a borrower for availing Yuva Home loan?

a. 30 years

b. 35 years

c. 40 years

d. 45 years

29. What is the maximum withdrawal and transfer limit per month in case of Small Accounts?

a. Rs. 10000/-

b. Rs. 20000/-

c. Rs. 50000/-

d. Rs. 100000/-

30. What is the minimum deposit amount in case of unFixed deposit?

a. Rs. 5 lacs

b. Rs. 10 lacs

c. Rs. 15 lacs

d. Rs. 20 lacs

V. TECHNOLOGY

1. What is SBI Imprest card?

a. Prepaid card

b. Debit card

c. Credit card


2. What is the maximum validity period of a State Bank vitual card?

a. 24 hours

b. 36 hours

c. 48 hours

d. 60 hours

3. What is the brand name of SBI's ATM cum debit card?

a. State Bank Cash Plus

b. SBI Anywhere

c. SBI ATM cum debit card


4. What is the transaction limit in the Vyapar version of Internet Banking?

a. Rs. 5 lacs

b. Rs. 50 lacs

c. Rs. 100 lacs

d. Rs. 500 lacs

5. What is the monthly transaction limit in case of SMS based Mobile Banking?

a. Rs. 5000/-

b. Rs. 25000/-

c. Rs. 50000/-

d. Rs. 100000/-

6. What is the maximum balance that can be maintained in State Bank Buddy mobile

wallet?

a. Rs. 10000/-

b. Rs. 15000/-

c. Rs. 20000/-

d. Rs. 25000/-

7. Presently, in how many currencies can Vishwa Yatra Foreign Travel Card be issued?

a. 5

b. 6

c. 7

d. 8

8. What is the maximum amount of money that can be deposited in a Cash Deposit

Machine?

a. Rs. 40000/-

b. Rs. 49000/-

c. Rs. 49900/-

d. Rs. 49990/-

9. Deadman switch is applicable to which alternate channel product?

a. Internet Banking

b. Mobile Banking

c. ATM transactions


10. What is the full form of USSD?

a. Unilateral Service Station Data

b. Unstructured Supplementary Service Device

c. Unstructured Supplementary Service Data

d. Unilateral Service Station Device

11. ATM cash should tally with which of the following?

a. Physical Cash, Admin Balance, ASC Balance

b. Admin Balance, ASC Balance, Branch Cash

c. ASC Balance, Physical Cash, ATM Switch centre balance

d. Physical Cash, Admin Balance, ATM Switch centre balance

12. Which service has been launched by Master Card worldwide that enables our card

holders to remit funds to any Maestro/Master card holder of other Banks within the

country through State Bank group ATMs?

a. State Bank Plus

b. Money Send

c. Money Plus

d. Master Plus

13. What is the time limit with which Bank has to resolve ATM related complaints?

a. 3 days

b. 5 days

c. 7 days

d. 10 days

14. What is the maximum limit for State Bank achiever card for SBI employees?

a. Rs. 50000/-

b. Rs. 100000/-

c. Rs. 200000/-

d. Rs. 500000/-

15. What is the maximum limit for the creation of e-TDR or e-STDR through Internet

Banking?

a. Rs. 10 lacs

b. Rs. 20 lacs

c. Rs. 25 lacs

d. Rs. 50 lacs

VI. COMMERCIAL & INSTITUTIONAL (C&I)

1. What is the new hurdle rate in case of advances?

a. SB-5

b. SB-7

c. SB- 9

d. SB- 10

2. What is the maximum TOL/TNW desired for a manufacturing company?

a. 2.00

b. 3.00

c. 4.00

d. 5.00

3. What is the minimum amount for finance under Consortium Lending?

a. Rs. 10 crore

b. Rs. 20 crore

c. Rs. 25 crore

d. Rs. 50 crore

4. What is the tier-1 equity capital requirement under Basel-3?

a. 2.5%

b. 3.5%

c. 4.5%

d. 5.5%

5. What is the full form of CCBF?

a. Capital Conversion Buffer Fund

b. Capital Conservation Buffer Fund

c. Credit Conversion Buffer Fund

d. Credit Conservation Buffer Fund

6. What is the maximum period for which a Bank guarantee can be issued?

a. 120 months

b. 150 months

c. 180 months

d. 240 months

7. What is the minimum current ratio tthat is required to be maintained by non-

manufacturing units with credit limits greater than Rs. 5 crore?

a. 1.00

b. 1.20

c. 1.33

d. 1.50

8. As per Basel 3 what is the Capital Adequacy Ratio (CAR) tthat is required to be

maintained by Banks?

a. 9.5%

b. 10.5%

c. 11.5%

d. 12.5%

9. What is the maximum amount eligible for takeover without administrative clearance?

a. Rs. 50 lacs

b. Rs. 100 lacs

c. Rs. 150 lacs

d. Rs. 200 lacs

10. What is the purpose for maintaining CCBF?

a. Unrealized gains

b. Unexpected losses

c. Unaccrued expenses


11. What is the maximum aggregate credit facility that can be granted to non-corporates

(excluding loans against specified securitites)?

a. Rs. 25 crore

b. Rs. 50 crore

c. Rs. 75 crore

d. Rs. 100 crore

12. How many risk rating grades are there in CRA-2007?

a. 16

b. 10

c. 8

d. 15

13. As per the Basel II norms, what is the credit Conversion Factor for Documentary

LCs?

a. 20%

b. 25%

c. 50%

d. 100%

14. What is the validity period of administrative clearance (AC) accorded by the

CCC/CCCC?

a. 2 months

b. 3 months

c. 8 weeks

d. 12 months

15. What is the indicative Debt Equity Gearing prescribed by the Bank for Trade &

Service Units?

a. 1.50:1

b. 1.75:1

c. 2.00:1

d. 2.25:1

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