GENERAL QUESTIONS ON BANKING AND FINANCE

501. Banks code o! c"s#o$e!s %as !e&eased '(

1) RBI 2) SEBI 3) BCSBI 4)IBA
)
50*. +,-c, -s a #%o n"$'e!ed 'ank no#e.
1) one rupee 2) two rupee 3) five rupee 4) ten rupee
/
50). I a D0 1oes 'ank!"2#3 %,a# ,a22ens #o #,e
de$a#e!-a&-4ed ,o&d-n1s o -n5es#o!s %-#, #,e D0.
1) The assets of the investor may be use for payin! off the
"reitors of the #$% 2) The appointe &"ourt re"eiver& has the
is"retion to ispose off the assets of the investor in the
manner he eems fit% 3) #epository has the is"retion to
ispose off the assets of the investor in the manner it eems
fit% 4) The investor "an opt for emateria'i(ation or open his
a""ount with another #$ an transfer his ho'in!s%
/
50/. An e6 s#a %an#s #o o2en FCNR7B8 acco"n#s and
de$ands 19 add-#-ona& -n#e!es#. As 2e! RBI 1"-de&-nes
1) "an be a''owe sub)e"t to not "rossin! the "ap rate 2) not
a''owe 3) a''owe sub)e"t to RBI permission 4) a''owe if
opene for * years
1
505. +,a# -s #,e a$o"n# 2a(a'&e as $-d acade$-c (ea!
#!anse! a&&o%ance o! o-ce!s .
1+ 2*, 2+*,, 3+1,,, 4+ not payab'e
*
50:. +,a# -s #,e $-n-$"$ a1e o! o2en-n1 SENIOR CITI;EN
SA<INGS ACCOUNT *00/ o! 1ene!a& 2"'&-c.
1) -, years 2) ** years 3) -* years 4) no a!e "riterion
*
50=. OLTAS can 'e !e&a#ed #o
1) BSE 2) C#S. 3) /S#. 4) IBA
)
50>. FCRA ?EANS
1) 0orei!n Curren"y Re!u'ation A"t 112- 2) 0orei!n
Contribution Re!u'ation A"t 112- 3) 0orei!n Che3ues
Re!u'ation A"t 112- 4) /one 4f The Above
*
50@. 5Fo"! e(es conce2#A $eans
1) openin! an verifyin! a""ount by one person two times 2)
openin! an verifyin! a""ount by e'e"troni" evi"e 3) openin!
an verifyin! a""ount by two ifferent persons 4) re)e"tin! to
open the a""ount
)
510. FATF $eans
1) 0inan"ia' a""ountin! trae feeration 2) finan"ia' asso"iation
of traers in 0ran"e 3) forei!n authority trae feeration 4)
finan"ia' a"tion tas6 for"e
/
511. As 2e! RBI CIRCULAR %,-c, o #,e o&&o%-n1 can ac# as
B"s-ness co!!es2onden# o! 'anks -n #,e-! eo!#s
#o%a!ds -nanc-a& -nc&"s-on.
1)S78 2) insuran"e a!ents 3) a!ri"'ini"s 4) post offi"es
/
*12% T,e #,!ee 2-&&a!s -n ac,-e5-n1 soc-a& #!anso!$a#-on a!e
1)state !overnment9the forma' finan"ia' system9"ommunity
base or!ani(ation an /84S 2) money 'eners9"reit
so"ieties9RRBS 3)primary "ooperative so"ieties9eve'opment
"oop ban6s 9state "oop ban6s 4) none of the above
1
1
51). +,a# -s #,e s2&-# d"#( a&&o%ance 2a(a'&e #o o-ce!s
1+ 1*, 2+ 12* 3+ 3,, 4+4*,
*
51/. In #e!$s o Sec / %,osoe5e! co$$-#s #,e oence o
$one( &a"nde!-n1 s,a&& 'e 2"n-s,a'&e %-#,
1)minimum imprisonment of 3 years an ma:imum 2 years
2) fine of 0ive 'a6hs 3) both 1 ; 2 4) 12 years imprisonment
)
515. Re#en#-on o !eco!ds "nde! 2!e5en#-on o $one(
&a"nde!-n1 ac# %-&& 'e
1) 1, years from ate of openin! the a""ount 2)1, years from
the ate of "eastion of transa"tion between "'ient an ban6in!
"ompany 3) nothin! stipu'ate 4) * years from "'osin! the
a""ount
*
51:. +,o -s #,e c,a-!$an 2&ann-n1 co$$-ss-on o Ind-a.
1) #r <anmohan sin!h 2) #r <onte6sin!h Ah'uwa'ia 3) #R
Ra)iv ratna 4) #r =%> Rey
1
51=. Bo" '"( so$e#,-n1 a# a 2&ace %,e!e 2!-ce -s &o% and
s-$"&#aneo"s&( se&& #,e sa$e #,-n1 %,e!e 2!-ce -s ,-1, -s
kno%n as
1) 7e!in! 2) spe"u'atin! 3) Arbitra!in! 4) option
)
51>. A# $a#"!-#( o FUTURE CONTRACT #,e s2o# 2!-ce -s
$o!e #,an #,e F"#"!e 2!-ce3 -s kno%n as
1) Conver!en"e 2) "ontan!o 3) ba"6waration 4) none of the
above
)
51@. T,e %,-#e 2o!#-on -n #,e 'ank no#e -s kno%n as
1) Se"urity mar6 winow 2) water mar6 winow 3) b'an6
winow 4)spa"e for writin! winow
*
5*0. Go5e!n$en# e62end-#"!eC#a6 2o&-c( -s !ee!!ed as
1) 0is"a' po'i"y 2) monetary po'i"y 3) !overnment po'i"y 4)
e:"han!e rate po'i"y
1
5*1. +,-c, o #,e o&&o%-n1 -s #,e $eas"!e o NARRO+
?ONEB.
1) <, 2) <1 3) <3 4)<*
*
5**. +,-c, o #,e o&&o%-n1 !a#es a!e s#-&& ad$-n-s#e!ed '(
RBI and a!e no# !ee.
1) $.R 2)TER< #E$4SIT 3) 7ome 'oan 4) savin!s eposits
/
5*). So&5enc( $a!1-n -s !e&a#ed #o
1) Ban6in! "ompanies 2) Insuran"e "ompanies 3) 0inan"ia'
"ompanies 4) non finan"ia' "ompanies
*
5*/. Sense6 -s %e-1,#ed -nde6 o
1) 3, sto"6s 2) 2* sto"6s 3) 2, sto"6s 4) 1* sto"6s
1
5*5. A&& ca#e1o!-es o Fo!e-1n e6c,an1e ea!ne!s can
de2os-tDDDDDDDDDD9 o #,e-! o!e-1n e6c,an1e ea!n-n1s -n
#,e-! EEFC acco"n#
1+ 2, 2) *, 3) 2* 4) 1,,
/
5*:. Cash transa"tion report is sent to
1) RBI 2) CB#T 3) C4/TR4.4I/8 400ICE 4) 0I?@I/#
/
5*=. As 2e! *00=D0> '"d1e# 2!o2osa&3 #,e &oan co$2onen#
"nde! DRI sc,e$e o! o#,e! #,an ,o"s-n1 &oan ,as 'een
!a-sed #o
1) 1*,,, 2) -*,, 3) 1,,,, 4) 2,,,,
1
2
5*>. As 2e! *00=D0> '"d1e# 2!o2osa&3 #,e &oan co$2onen#
"nde! DRI sc,e$e o! ,o"s-n1 &oan ,as 'een !a-sed #o
1) 4,,,, 2) 2,,,, 3) 2*,,, 4) 1,,,,,
*
5*@. To ,a5e a D0 o Rs ) &ak,s -n cas, c!ed-# acco"n# 7%-#,
&-$-# Rs ) &ak,s %-#, *59 o $a!1-n83#,e $-n-$"$ s#ock
s,o"&d 'e
1) 3 'a6hs 2) 4 'a6hs 3) * 'a6hs 4) - 'a6hs
*
5)0. As 2e! !ecen# 1"-de&-nes3 - a &ocke! -s no# o2e!a#ed o!
$o!e #,anDDDDDDDDD (ea! -n case o E-1, R-sk ca#e1o!(
c"s#o$e!s3 #,e 'ank can e-#,e! ad5-se ,-$ #o o2e!a#e o!
s"!!ende! #,e &ocke!
1) 3 years 2) * years 3 ) 1 year 4) is"retion of ban6s
)
5)1. As 2e! !ecen# 1"-de&-nes3 - a &ocke! -s no# o2e!a#ed o!
DDDDDDDDD (ea! -n case o ?ed-"$ R-sk ca#e1o!(
c"s#o$e!s3 #,e 'ank can e-#,e! ad5-se ,-$ #o o2e!a#e o!
s"!!ende! &ocke!
1) 3 years 2) * years 3 ) 1 year 4) is"retion of ban6s
1
5)*. L-'e!a&-4ed !e$-##ance -s 2e!$-##ed o!
1) "apita' a""ount transa"tions 2) "urrent a""ount transa"tions
3) both 1 ; 2 4) neither for both
)
5)). R-sk %e-1,# on !es-den#-a& ,o"s-n1 &oans a'o5e )0 &ak,s
-s 72o&-c(8
1) *, 2) 1,, 3) 1,, 4) 2*
*
5)/. ?a6-$"$ 2ena&#( "nde! RTI ac# -s
1) 1,, 2) 1,,,,, 3) 2*,,, 4) 1,,,,
)
5)5. T,e $-n-$"$ 5a&"e o! c"s#o$e! 'ased Rea& T-$e G!oss
se##&e$en# #!ansac#-on -s
1) Rs 1,,,, 2) Rs 1 'a6h 3) Rs 1, 'a6hs 4)Rs 1*,,,
*
5):. As 2e! #,e ann"a& 2o&-c(3 #,e $a6-$"$ c&a-$ 2a(a'&e '(
DICGC #o #%o acco"n#s ,e&d -n #,e na$es o AFB and
BFA %-&& 'e $a6-$"$
1) 1 'a6h 2) 2 'a6hs 3) 1%* 'a6hs 4) 4 'a6hs
*
5)=. +,a# -s #,e -n#e!es# !a#e ce-&-n1 on de2os-#s o NBFCS as
2!o2osed -n Ann"a& s#a#e$en# on $one#a!( 2o&-c( 0=D
0>.1) 1,A 2) 11A 3) 12%*A 4) 12A
)
5)>. STRESS TESTING -s assoc-a#ed %-#,
1) "reit monitorin! 2) wor6in! "apita' assessment 3) ris6
mana!ement 4) "ustomer servi"e
)
5)@. +,a# -s $a6-$"$ 'a&ance &-$-# -n case o 2os# o-ce
sa5-n1s 'ank acco"n# 7s-n1&e na$e8
1+ 1 'a6h 2) 2 'a6hs 3) no 'imit 4) 1, 'a6hs
1
5/0. +,a# -s #,e !en# #,a# %-&& 'e !eco5e!ed !o$ o-ce!s %,o
,a5e 'een 2!o5-ded %-#, "!n-#"!e
1+ ,%4A of his basi" pay 2+ ,%4A of initia' basi" pay of his s"a'e
3+,%4A of the 'ast basi" of his s"a'e 4+stanar rent
*
5/1. +,a# -s #,e a$o"n# o o-c-a#-n1 a&&o%ance 2a(a'&e #o
o-ce!s.
1+ -A of initia' basi" pay of his s"a'e 2+ Rs 2*, 3+ -Aof basi"
pay of the person in whose p'a"e he is offi"iatin! 4+ -A of his
basi" pay
/
5/*. Interest payab'e on CRR ba'an"e is
1) 1A 2) 3%*A 3) /o interest 4) ,%*A
)
3
5/). +,a# -s #,e 2!o2osed e6e$2#-on &-$-# o! EUF "nde!
BCTT %e D01D0:D0=.
1) 2*,,, 2) *,,,, 3) 2*,,, 4) 1,,,,
*
5//.
D
cas, #!ansac#-on !e2o!# -s #o 'e s"'$-##ed DDDDDDDDD
1) 2 th of su""eein! month 2)on or before 1* th of su""eein!
month 3) 'ast ay of su""eein! month 4) on or before 3, th
apri'
*
5/5. As 2e! RTI ac#3 -no!$a#-on -s #o 'e con5e(ed %-#,-n
1) 3, ays 2) -, ays 3) 1, ays 4) 1* ays
1
5/:. +,-c, o #,e o&&o%-n1 -s co!!ec#.
1) BCTT ; SER>ICE ta: are app'i"ab'e to Bammu ;Cashmir
2) BCTT ; SER>ICE ta: are not app'i"ab'e to Bammu ;Cashmir
3) BCTT is app'i"ab'e for Bammu ; Cashmir But not SER>ICE
TAD 4) Servi"e ta: is app'i"ab'e for )ammu ; Cashmir but not
BCTT
*
5/=. +,a# -s #,e &oo! &e5e& o! CRR.
1) 3A 2) no f'oor 'eve' 3) 2,A 4) 2*A
*
5/>. Book '"-&d-n1G
1) is use by sto"6 e:"han!es for train! as it is more effi"ient
than the traitiona' open out"ry system%
2) is use by spe"u'ators to artifi"ia''y in"rease share pri"es%
3) is use in the pub'i" issue pro"ess for effi"ient pri"e an
eman estimation for the issuer 4)is use by boo6ies in horse
ra"in!%
)
5/@. Na$e #,e odd one o"#G
1+ICRA 2+ CIBI. 3+ CARE 4+ CRISI. *
550. On %,-c, &ea5e #,e o-ce! $"s# 2!oceed -n o!de! #o
encas, LTC
1+ 4 ays $. 2+ any 'eave for 4 ays 3+no nee to avai' any
'eave 4+ at 'east one ay 'eave
)
551. +,a# -s #,e $-n-$"$ n"$'e! o da(s 0!-5-&e1e &ea5e #o
'e a5a-&ed
1+ no su"h minimum 2+ 4 ays 3+ * ays 4+ 3ays
1
55*. An o-ce! %,o !es-1ns !o$ 'ank can encas, 2!-5-&e1e
&ea5e
1+ 12, ays 2+ *,A of ba'an"e 3+ 'ower of 1; 2 4+ "an not
en"ash on resi!nation
)
55). AD ca#e1o!(1 can !e2a#!-a#e 2!oceeds o FCNR #o #,-!d
2a!#-es -
1+ authority is !iven by a""ount ho'er 2+ ban6 is satisfie
about bonafie transfer 3+ both 1; 2 4+ "an not repatriate
)
55/. A %-&& e6ec"#ed can 'e !e1-s#e!ed
1+ within 3months of its "reation 2+ within 4 months of its
"reation 3+ within 3 ays of its "reation 4+ if esireE not
"ompu'sory) at any time after "reation
/
555. +,a# -s #,e #-$e &-$-# o! !e1-s#!a#-on o doc"$en#s.
E"ompu'sori'y to be re!istere)
1+3months from ate of e:e"ution 2+ 4 months from ate of
e:e"ution 3+ before fi'in! suit 4+ no su"h time 'imit
*
4
55:. A# #,e #-$e o !e1-s#!a#-on o #!anse! o o%ne!s,-2 o
-$$o5a'&e 2!o2e!#(
1+ BuyerFs passport si(e photo an fin!er prints are ta6en 2+
se''erFs passport si(e photo an fin!er prints are ta6en
3+ Both 1 ; 2 4+ neither 1 nor 2
)
55=. +,-c, o #,e o&&o%-n1 a!e co$2"&so!-&( #o 'e
!e1-s#e!ed.
1+ Immovab'e property 2+ !ift of immovab'e property 3+ wi'' 4+
power of attorney *+ a'' the above -+ 1an 2 on'y
:
55>. De2os-#s %-#, 'anks a!e e&-1-'&e o! ded"c#-on "nde! >0C
-1+ ma:imum of Rs 1'a6h 2+ 6ept for minimum * years 3+ 6ept
with a s"heu'e ban6 4+ as a "umu'ative eposit *+ a'' the
above -+ 1 to 3
:
55@. T,e -n#e!es# o! sa5-n1s Bank acco"n#s o RRB -s -6ed '(
1+ /ABAR# 2+ STAE 84>T 3+ CE/TRA.84>T 4+ RBI
/
5:0. Doo! s#e2 'ank-n1 ac-&-#-es a!e a&&o%ed #o
1) Iniviua's 2) Corporates 3) both 4) 8ovt or!ani(ations
)
5:1. LOK ADALAT ,as 'een se#"2 "nde! #,e 2!o5-s-ons o
1) RBI ACT 2) SAR0AESI ACT 3) .E8A.SER>ICES
A?T74RIT=ACT 4) BR ACT
)
5:*. +,-c, o #,e o&&o%-n1 de2a!#$en# o 'ank de#e!$-nes
#,e -n#e!es# !a#e on de2os-#s
1+ 4peration ept 2+ A.C4 3+ "reit ept 4+ A.<
*
5:). Bank $"s# $a-n#a-n #,e sec!ec( o -no!$a#-on o
acco"n# ,o&de!s as 2e!
1+ se" 13 of RBI a"t 2+ SEC 13 40 B R a"t 3+ se" 13 of ban6in!
"ompaniesEa"3uisition an transfer) a"t 4+ se" 13of /I a"t
)
5:/. I a ca! -s -nanced '( 'ank #o &-$-#ed co$2an(3 #,e
c,a!1e %-&& 'e !e1-s#e!ed %-#,
1+ R4C on'y 2+ RT4 on'y 3+ neither with RT4 nor with R4C 4+
both RT4 an R4C
/
5:5. T,e 2!oo!$a o a c,eH"e -s s#a#ed -n
1+ se" 13G of /Ia"t 2+ "ontra"t a"t 3+ BR a"t 4+ no where
e:"ept pra"ti"e *H "ourt )u!ment
/
5::. +,-c, o #,e o&&o%-n1 -s #!"e -n case o 2-2e&-ne &o%s -n
#,e na$e o deceased de2os-#o!.
1+ "reits "an be a""epte 2+ the survivor9nominee "an
authori(e the ban6 to open an a""ount IFestate of@@@@@ the
e"ease an "reit the pro"ees without a''owin! withrawa's
3+the survivor9nominee "an authori(e the ban6 to return the
pipe'ine f'ow with reasons Ia9" ho'er e"ease Ito to the
remitter 4+ 2 ; 3
/
5:=. Ga!n-s,ee o!de! %-&& 'e a22&-ca'&e #o acco"n#s - #,e
!e&a#-on 'e#%een #,e 'anke! and c"s#o$e! -s
1+ #ebtor an "reitor 2+ "reitor an ebtor 3+ a!ent an
prin"ipa' 4+ Bai'or an Bai'ee
1
5:>. T,e acco"n#s %-#,o"# s"!5-5o!Cno$-nee c&a"se3 #,e
deceased acco"n# c&a-$ #o 'e se##&ed %-#,-nDDDDDDDDDDDDDDD
0rom the ate of re"eipt of re3uisite papers
1+ 1* ays 2+ 1 month 3+ 4* ays 4+ 3 ays
*
5
5:@. A.B and C a!e ,a5-n1 a sa5-n1 acco"n# %-#, o2e!a#-ona&
-ns#!"c#-on ACS.No% A F B co$e #o #,e '!anc, and 1-5es
-n %!-#-n1 #,a# #,e 'ank s,o"&d no# a&&o% C #o o2e!a#e
#,e acco"n#.Bo" %-&&
1+ ma6e the operation of the a""ount as A.. T7REE B4I/T.=
2+ a""ept an wi'' not a''ow C to operate 3+ Avise A; B to
brin! a stay from "ourt 4+ instru"tion !iven at the time openin!
a""ount wi'' remain in for"e un'ess revo6e )oint'y by a'' the
a""ount ho'ers an hen"e the instru"tion wi'' remain A9S
/
5=0. In #,e no!$a& co"!se "n&ess a 2e!-od o = (ea!s ,as
e&a2sed s-nce #,e da#e o d-sa22ea!ance o a 2e!son ,e
canno# 'e dee$ed #o 'e dead. T,-s 0!-nc-2&e -s 'ased on
1) Se" 1,G of evien"e a"t 2) se"% 4* of "ontra"t A"t
3) Se" 1,G of /%I% A"t 4) Se" 1,G of Company A"t
1
5=1.
F-nd #,e odd $an:1)pai up "apita' 2) statutory reserves 3)
other free reserves 4) reva'uation reserves
/
5=*. /asa3 is1+ /ewyor6 sto"6 e:"han!e 2+ Sin!apore sto"6
e:"han!e 3+ )apan sto"6 e:"han!e 4+ 'ar!est s"reen base
e3uity se"urity mar6et in the unite states
/
5=). OFF s,o!e 'ank-n1 "n-#s
1+ eposits are not "overe uner eposit insuran"e 2+
e:empte from maintenan"e of CRR 3+ the loans and advances
of OBUs would not be reckoned as net bank credit for computing
priorit sector lending obligations 4! a'' the above
/
5=/. In case o OLTAS3 #,e c,a&&ans a!e -n
1) Sin!'e "opy 2) two "opies 3) 3"opies 4) 4 "opies
1
5=5. +,a# -s #,e !e&a#-ons,-2 'e#%een a 'anke! and 2a(ee o
a de$and d!a#.
1) #ebtor an "reitor 2) trustee an Benefi"iary 3) a!ent an
prin"ipa' 4) Bai'or an Bai'ee
*
5=:. Ed"ca#-on &oans 1-5en #o -nd-5-d"a& "2#oDDDDDDDDD o!
s#"d-es a'!oad -s #!ea#ed as 2!-o!-#( sec#o!
1) 1, 'a6hs 2) 1* 'a6hs 2%* 'a6hs 4) 2, 'a6hs
/
5==. As 2e! RBI I NRE de2os-#s a!e acce2#ed o! $o!e #,an )
(ea!s 7as 2e! #,e-! ALCO83 #,en #,e -n#e!es# 2a(a'&e -s
1+ not e:"eein! interest of 1 year 2+ not e:"eein! the
interest payab'e for 2 years 3+ "an not be a""epte for more
than 3 years 4+As app'i"ab'e to 3 years eposit%
/
5=>.
Ta!1e# o! 2!-o!-#( sec#o! &end-n1 #o do$es#-c 'anks
1)4,A of a)uste net "reit 2) 4, A of tota' avan"es 3)
4,Aof "reit e3uiva'ent of off ba'an"e sheet e:posure 4)hi!her
of 1 ; 3
/
5=@.
T,e !a#e o 2!o5-s-on o! a ,o"s-n1 &oan o 15 &ak,s
%,-c, -s a s#anda!d asse# -s 1+ ,A 2+ ,%4A 3+,%2*A 4+ 1A
*+ 2A
*
5>0.
No d"es ce!#--ca#e -s %a5ed o! s$a&&C$a!1-na& a!$e!s
%-#, &oan "2#o1+ 2*,,, 2+ 1,,,, 3+ *,,,, 4+ *,,, )
"
5>1.
Le1a& R-sk -s a #(2e o1) mar6et Ris6 2)operationa' ris6
3)"reit Ris6 4) interest rate ris6
*
5>*.
As 2e! RBI 1"-de &-nes %,-c, o #,e o&&o%-n1 'anks ,a5e
#o co$2&e#e $-1!a#-n1 #o Base& II 1"-de&-nes '(
)1C0)C*00>1) 0orei!n ban6s in Inia 2) RRBs an 'o"a'
ban6s 2) Inian ban6s havin! forei!n bran"hes 4) a'' private
ban6s *) 1 ; 2
5
5>).
T,e 'ack o-ce o a 'ank ,as a-&ed #o e6e!c-se a o!%a!d
con#!ac# d"e #o o5e!s-1,#. T,e !-sk s"e!ed '( 'ank -s 1)
operation ris6 2) mar6et ris6 3) sett'ement ris6 4) "ounter
party ris6
1
5>/.
RBI ,as -nd-ca#ed #,e Bas-c Ind-ca#o! $e#,od o!
$eas"!-n1 DDDDDDDDDDDDDDDDDD !-sk1) operationa' ris6 2) "reit
ris6 3) mar6et ris6 4) interest rate ris6
1
5>5.
In #,e Bas-c -nd-ca#o! a22!oac, '( BASEL II no!$s3 #,e
a&2,a -s1) 1*A 2) 12A 3) 1GA 4) 1,A 1
5>:.
RE0O !ee!s #o1) Absorption of funs from ban6in! system
2) in)e"tion of funs in ban6in! system 3)'on! term borrowin!
4)too's of monetary po'i"y on permanent basis
*
5>=.
As 2e! #,e !ecen# G"-de&-nes o RBI3 #,e 'anks s,o"&d
-nco!2o!a#e a c&a"se -n #,e &ocke! a1!ee$en#
1) rent to be pai for 3 years 2) if the 'o"6er is not operate for
1 yearJthe ban6 wi'' brea6 open without noti"e 3)If the 'o"6er
remains unopearte for more than 1 yearJthe ban6 wou' have
the ri!ht to "an"e' the a''otment of the 'o"6er an open the
'o"6er even if rent is pai re!u'ar'y 4) none of the above
)
5>>.
As 2e! RTI ac#3 Ind-an CITI;ENS can seek -no!$a#-on
%,-c, -s no# o&de! #,an1) 1, years 2) 2, years 3) 3, years
4) no su"h 'imit
*
5>@.
T,e "n-o!$ 2e!-od o DDDDDDDDD $on#,s o! s"!!ende! o
!ece-5edC"ns2en#C"n"sed o!e-1n e6c,an1e !o$ #,e
da#e o !ece-2#C2"!c,aseCacH"-s-#-onCda#e !e#"!n o #,e
!es-den#-a& -nd-5-d"a& #!a5e&e! -s 2!o2osed -n Ann"a&
2o&-c( *00=@0> 1) 3 2) - 3) 12 4) no 'imit
*
5@0.
1 0!ocess-n1 ees -s %a-5ed o! #!ansac#-ons !e&a#-n1 #o
RTGS3ECS3EFT and NEFT "2#o 1) mar"h 31 2,,2 2) mar"h
31 2,,G 3) mar"h 31J2,,1 4+ none
)
5@1.
1
BCSBI -s a
1+ Inepenent an autonomous boy 2+ f'oate by BSE ; /SE
3+ 8overnment of Inia unerta6in! 4+ ban6
1
#
5@*.
1
As 2e! BCSBI3 a c"s#o$e! $a( c&ose #,e o&&o%-n1
acco"n#s %-#,-n 1/ da(s o -!s# 2a($en# -n #o #,e
acco"n# %-#,o"# an( 2ena&#( o! ees
1+ savin!s a""ount 2+ "urrent a""ount 3+ time eposit a""ount
4+ 1 ; 2 *+ 1 to 3
/
5@). DDDDDDDDDDDD -s no# a "nd 'ased ac-&-#(
1! "ash "reit 2+ 'etter of "reit 3+ bi'' finan"e 4+ term 'oan *
5@/.
1
CDR %-&& 'e a22&-ca'&e
1+ if outstanin! fun base an non fun base e:posure of
Rs
1, "rores an above 2+ mu'tip'e ban6in! or "onsortium 3+ both
1;2 4+ neither 1 nor 2
)
5@5.
1
+,-c, o #,e o&&o%-n1 -s co!!ec#
1+ "ate!ory 1 C#R K a""ounts "'assifie as Stanar an
substanar 2+ "ate!ory 2 C#R a""ounts "'assifie as #oubtfu'
3+ both 1 ; 2 4+ C#R is app'i"ab'e to 'oss assets
)
5@:.
1
IS#and s#-&& J C&a"se -n CDR s(s#e$
1+ a!reement by 'ener not to fi'e a "rimina' suit for 1, or 1G,
ays 2+ a!reement by borrower not to fi'e a "rimina' suit for 1,
or 1G,ays
3+A!reement by both borrower an 'ener where they "ommit
themse'ves not ta6in! re"ourse to any other 'e!a' a"tion urin!
stan sti'' perio 4+ the stansti'' "'ause is app'i"ab'e for on'y
"ivi' a"tion an not for "rimina' a"tion *+ 3; 4
5
5@=.
1
+,a# -s #, &oo! &e5e& o! SLR.
1+ 2*A 2+4,A 3+ 2,A 4+ 3A *+ 0.44R .E>E.STA/#S
RE<4>E#
5
5@>.
1
EEFC can 'e o2ened as
1+ savin! a""ount in forei!n "urren"y 2+ non interest bearin!
"urrent a""ount in forei!n "urren"y 3+ non interest bearin!
savin! a""ount in Inian "urren"y 4+ non interest time eposit
in Inian rupees *) interest bearin! time eposit a""ount
5
5@@.
1
A NRI can '!-n1 1o&d
1+ 1,,,, !ms on"e in - months 2+ provie he staye for a
"ontinuous perio of - months 3+ provie he staye
"ontinuous'y for 3 months 4+ nothin! to o with stay *+ 1; 2
5
:00.
1
A co$2an( %-#, a s,a!e 2!-ce o Rs /0CD ,as a 0CE !a#-o
o 5.+,a# -s -#s ea!n-n1 2e! s,a!e.
1+ 1, 2+ 2,, 3+ G 4+ insuffi"ient ata
)
:01.
1
Eo% $"c, s-&5e! can a non !es-den# Ind-an na#-ona& can
'!-n1 a#e! a con#-n"o"s s#a( o : $on#,s.
1+ 1,,6! 2+ *, 6! 3+ 2*6! 4+ 3, 6!
1
:0*.
1
I NRI '!-n1s 1o&dCs-&5e! and se&&s -# #o a !es-den#3 #,e
2!oceeds can 'e c!ed-#ed #o
1+ /RE A9C 2+ /R4 A9C 3+ R0C A9C 4+ /RI CA/ /4T SE.. IT
*
:0).
1
NIFTB IS BASED ON
1+ *, ST4CCS 2+ -, ST4CCS 3+ 4, ST4CCS 4+ 2, ST4CCS 1
:0/.
1
+,o !e1"&a#es $"#"a& "nds.
1+ mutua' funs asso"iation of Inia 2+ SEBI 3+ RBI 4+ /S#. *
$
:05.
1
+,o !e1"&a#es co$$od-#-es "#"!e $a!ke# a# 2!esen#.
1+SEBI 2+ 04RLAR# <ARCET C4<<ISSI4/ 3+ RBI 4+CBSBI
*
:0:.
1
EASIEST -s assoc-a#ed %-#,
1+ SEBI 2+ CBEC 3+ CB#T 4+ RT8S *
:0=.
1
5ICCO?S IS RELATED TO
1+ mer"hant ban6in! 2+ sto"6 mar6et 3+ "ommoities future
mar6et 4+ "urren"y "hest operations
/
:0>.
1
+,-c, o #,e o&&o%-n1 co"n#!( ,as 1o# #,e &a!1es#
ne#%o!k o 2os# o-ces.
1+ ?SA 2+ ?SSR 3+ I/#IA 4+ C7I/A
)
:0@.
1
I #,e sec"!-#( 5a&"e o an asse# -s no# e5en 10 9 o #,e
de'-# 'a&ance -n #,e acco"n# 3-# %-&& 'e c&ass--ed as
1+oubtfu' 2+ 'oss asset 3+ substanar 4+stanar
*
:10.
1
+,a# -s #,e -n#e!es# 2a(a'&e - #,e TDS ded"c#ed -s no#
de2os-#ed
1+ 1GA p%a 2+ 12A p%a 3+ 1-A p%a 4+ 24A p%a
*
:11.
1
T,e !a#e o de2!ec-a#-on on co$2"#e!s -sDDDDDD9 and #,e
$e#,od ado2#ed -s
1+ 33%33AJwritten own metho 2+ 33%33AJstrai!ht 'ine
metho 3+ 2,AJ written own metho 4+ 2,AJ strai!ht 'ine
metho
*
:1*.
1
T,e !a#e o de2!ec-a#-on 7-n 98 on a"!n-#"!eCsae
5a"&#sC &-#s 'K 5e,-c&es cK a-!
condCcoo&e!C#(2e%!-#e! and #,e $e#,ods a!e
!es2ec#-5e&(
1+ 1,J2,J1* st 'ine metho 2+ 2,J1,J1* strai!ht 'ine
metho3+ 1*J2,J1, written own va'ue 4+ 1,J2,J1* written
own va'ue metho
/
:1).
1
Ad5ances s,o%n -n o"! 'a&ance s,ee# !e2!esen# a#e!
ne##-n1 o"#
1+ provisions an f'oatin! provisions 2+ ?RI 3+ amount
re"overe from borrower he' in sunry a""ount 4+ amount
re"eive from C8TSI an EC8C *+ a'' the above
5
:1/.
1
In #,e case o s#anda!d asse#s3 #,e 2!o5-s-on de'-#ed #o
0!o-# F Loss acco"n# -s
1+ nette to avan"es 2+ shown as s"h* Iother .iab; provM 3+
no provision is mae to stanar asset an hen"e the
statement is wron! 4+ *,A is nette to avan"es an
remainin! shown as 5other 'iab; provM
*
:15.
1
Acco!d-n1 #o 1"-de&-nes -ss"ed '( RBI3 -n5es#$en#s a!e
c&ass--es as
1+ he' for maturity 2+ he' for train! 3+ avai'ab'e for sa'e 4+
ebentures an bons *+ 1to 4 -+ 1 to 3
:
:1:.
1
Ne# N0A -s eH"a& #o
1+ !ross /$AK provisions N other "reit ba'an"es 2+ !ross /$A
'ess provisions 3+ 8ross /$A 'ess other "reit ba'an"es 4+ !ross
/$A 'essE provisions N uriN other "reit ba'an"es una)uste)
/
:1=.
1
BCTT %-&& no# 'e a22&-ca'&e #o
1+ Bammu an Cashmir state 2+ inter ban6 "ash withrawa's 3+
"entra' !ovt 9state !ovt withrawa's 4+ savin! a""ounts *+ 1to
4 -+ 2 to 4
5
%
:1>.
1
I a 'ank Co&&ec#s BCTT and a-&s #o !e$-# #o #,e c!ed-# o
Cen#!a& 1o5e!n$en#3 -# -s &-a'&e #o 2a(
1+ int O1A per month or part thereof 2+ Rs 1,,, per ay of
efau't not e:"eein! the a"tua' BCTT 3+ both 1 ;2 4+ 1 or 2
whi"h ever is hi!her
)
:1@.
1
T,e S"!c,a!1e on Inco$e #a6 #o Co o2 soc-e#( and a
Loca& A"#,o!-#( -s
1+ 2%*A 2+ ,A 3+ *A 4+ 1,A
*
:*0.
1
T,e s"!c,a!1e on -nco$e #a6 o! -!$s and do$es#-c
co$2an-es -s 1+ 1,A 2+ 1,A if payment e:"ees 1,
'a6hs 3+ 1,A if payment e:"ees one "rore 4+ ,A
)
:*1.
1
A $one( $a!ke# $"#"a& "nd -s $os# &-ke&( #o -n5es# -n
1+ "orporate bons 2+ e3uity shares 3+ !ovt se"urities with
maturity 'ess than 1 year 4+ a'' the above
)
:**.
1
D-5-dends d-s#!-'"#ed '( ?F a!e
1+ ta:e at sour"e 2+ ta:e at the hans of investor 3+ sub)e"t
to "apita' !ain ta: 4+ ta: free in the hans of the investor
/
:*).
1
+,-c, o #,e o&&o%-n1 -n5es#$en#s do no# 1-5e
1"a!an#ee on !e#"!n o! ca2-#a&.
1+ Ban6 #ep 2+ $$0 3+ /SC 4+ units of <0 /
:*/.
1
T,e a$o"n# !eH"-!ed #o '"( 100 "n-#s o a sc,e$e
,a5-n1 en#!( &oad o 1.59 o Rs *0CD -s
1+ Rs 2,,, 2+ Rs 2,1* 3+ Rs 11G* 4+ Rs 112, *+Rs 2,3,
5
:*5.
1
T,e c"!!en# (-e&d o a 'ond %,ose co"2on !a#e -s /9 and
$a!ke# 2!-ce -s Rs >0
1+ *A 2+ 3A 3+ 4A 4+ *%*A
1
:*:.
1
T,e $-n-$"$ a1e o N0A -n 'ooks o se&&-n1 'ank s,o"&d
'e a#&eas#
1+ 2 years 2+ 1* moinths 3+ 1 year 4+ 3 years
1
:*=.
1
T,e $-n-$"$ 2e!-od o N0A asse#s 2"!c,ased s,o"&d
!e$a-n -n #,e 'ooks o 2"!c,as-n1 'ank3 - #,e(
%an# #o se&& #o ano#,e! 'ank -s
1+ 1* months 2+ 24 months 3+ 1G months 4+ 3- months
1
:*>.
1
T,e !-sk %e-1,# a##ac,ed #o #,e N0A asse#s 2"!c,ased
!o$ ano#,e! 'ank -s
1+ *,A 2+ ,A 3+ 1,,A 4+ 2*A
)
:*@.
1
As 2e! cons"$e! 2!o#ec#-on ac# 3#,e &-$-#a#-on 2e!-od o!
-&-n1 a co$2&a-n# -s DDDDDDD (ea!s !o$ ca"se o ac#-on
1+1 year 2+ 2 years 3+ 3 years 4+ no 'imitation perio
*
:)0.
1
Unde! SAREFEASAI ac# *00*3 ,o% $an( da(s o no#-ce
$"s# 'e 1-5en 'eo!e se&&-n1
1+ 3, ays 2+ -, ays 3+ 4* ays 4+ 1, ays
1
:)1.
1
Unde! SAREFEASAI ac# *00* 3- a 2a!#( %an#s #o a22ea&
#o DRAT a1a-ns# #,e dec-s-on o DRT3 ,e ,as #o
de2os-#
1+ *,A of the amount 2+ 2*A of the amount 3+ *,A of the
amount whi"h "an be reu"e to 2*A by #RAT 4+ 1,,A
)
:)*.
1
An( 2e!son a11!-e5ed '( an a%a!d o BANKING
O?BUDS?AN can 2!ee! a22ea& 'eo!e A22e&&a#e
a"#,o!-#( on !ece-2# o co$$"n-ca#-on
1
1&
1+ within 3, ays 2+ within 4, ays 3+ within1* ays 4+ within
4* ays *+ not possib'e as it is binin! on "omp'ainant as we''
as on Ban6
:)).
1
In doo!s#e2 'ank-n1 'anks a!e 2e!$-##ed #o
1+ e'iver "ash9raft at the oorstep of iniviua' "ustomer
a!ainst "ash re"eive at the "ounter9 re3uest re"eive throu!h
any se"ure "hanne' 2+ e'iver "ash9raft at the oorstep of
"orporate "ustomer9!ovt ept9psus a!ainst "ash re"eive at
the "ounter9 re3uest re"eive throu!h any se"ure "hanne' 3+
both 1 ; 2 4+ e'iver on'y #raft to both but not "ash
)
:)/.
1
Doo! s#e2 'ank-n1 -s de-ned "nde! secDDDDDDo DDDDD ac#
1+ 23 of RBI 2+ 23 of BR 3+ 23 of /I 4+ 23 of "ontra"t *
:)5.
1
In case o a 0"'&-c &-$-#ed co$2an( %,-c, o #,e
o&&o%-n1 a!e -ss"ed '( REGISTRAR OF
CO?0ANIES
1+ arti"'es of Asso"iation 2+ memoranum of asso"iation 3+
"ertifi"ate of in"orporation 4+ "ommen"ement of business *+
reso'ution -+ 1 to 4 2+ 3 ; 4
=
:):.
1
T,e n"$'e! o Bank-n1 O$'"ds$an -n Ind-a -s
1+ 1, 2+ 1* 3+ 2, 4+ * *
:)=.
1
T,e cond-#-ons o! CGT?SE co5e! -s
1+ /o "o''atera' se"urity 2+ no thir party !uarantee 3+ a""ount
shou' not be /$A at the time of )oinin! 4+ interest rate shou'
not be more than B$.RN3A *+ a'' the above
5
:)>. +-!e #!anse! 1"-de&-nes a!e -ss"ed '( RBI "nde!
1' 35( of B) act 2' sec 23 of B) act 3' sec 23 of )B* act 4' 35(
of )B* act
1
:)@. Fo! #,e 2"!2ose o '!anc, a"#,o!-sa#-on 2o&-c(3 OF RBI a
L'!anc,L %o"&d -nc&"de
1)a fu''@f'e!e bran"h 2) a sate''ite offi"e 3) an E:tension
Counter 4) an off@site AT< EAutomate Te''er <a"hine)
*) aministrative offi"eJ "ontro''in! offi"eJ servi"e
bran"h Eba"6 offi"e or pro"essin! "entre) an "reit "ar
"entre -) A "a'' "entre%
:
:/0. RBI ,as no% dec-ded #o ,a5e DDDDDDDDDD !e5-e%s o
$one#a!( 2o&-c(.
1) annua' 2) 3uarter'y 3) ha'f year'y 4) bi month'y
*
:/1. 0,(s-ca& 2ossess-on o $o!#1a1ed 2!o2e!#( can 'e #aken
%-#,o"# co"!# -n#e!5en#-on as 2e!
1! transfer of property a"t 2+ SAR0AESI ACT 3+ #RT a"t 4+
"ontra"t a"t
*
:/*. In #,e 'a&ance s,ee# o a 'ank3 G"a!an#ee -ss"ed #o
cons#-#"en#s -s s,o%n as
1+ foot note 2+"ontra entry 3+ not shown in ba'an"esheet 4+
asset
*
11
:/). ?! M ,as %-#,d!a%n Rs =0000 !o$ ,-s sa5-n1s acco"n#
and Rs :0000 !o$,-s o5e! d!a# acco"n# and 1o#
RDS $a#"!-#( 5a&"e o Rs 15000 -n cas,. +,a# -s
#,e a$o"n# o BCTT 2a(a'&e
1+ /i' 2+ -, 3+ 13, 4+ 14*
*
:// As 2e! #,e !ecen# 1"-de&-nes3 #,e ee o! "s-n1 o#,e! 'ank
AT?s o! cas, %-#,d!a%a& can no# e6ceed
1+ Rs 1, 2+ Rs 2, 3+ Rs 3, 4+ no su"h 'imit
*
:/5 R-sk %e-1,# o! ed"ca#-on &oan "nde! Base& II -s
1+ 1,,A 2+ 2*A 3+ *,A 4+ ,A
*
:/: Fo! d-e!en#-a& !a#e o -n#e!es#7DRI sc,e$e8 #,e -nco$e
c!-#e!-on 2e! ann"$ -n !"!a& a!ea -s
1+ 1G,,, 2+ 24,,, 3+ 1,,,, 4+ -4,,
1
:/= Fo! H"es#-on #,e -nco$e c!-#e!-on -n U!'an -s
1+ 1G,,, 2+ 24,,, 3+ 1,,,, 4+ 2*,,,
*
:/> T,e 2e!-od-c-#( o !e2o!#-n1 o &-'e!a&-4ed !e$-##ance
sc,e$e #o RBI -s
1+ month'y 2+ 3uarter'y 3+ wee6'y 4+ ai'y
1
:/@ S#!"c#"!a& L-H"-d-#( s#a#e$en# o AL?s #o 'e s"'$-##ed
1+ 1 an 3 r Lenesay 2+ month'y 3+ 3uarter'y 4+ wee6'y
1
:50 As 2e! !ecen# 1"-de&-nes on KBC no!$s3 #,e !-sk
ca#e1o!-4a#-on o c"s#o$e!s -s #o 'e !e5-e%ed
1+ every year 2+ every 3 years 3+ every - months 4+ every *
years
)
:51 T,e 2e!-od-ca& "2da#-n1 o -den#--ca#-on -s #o 'e ca!!-ed
o"# -n &o% !-sk ca#e1o!(
1+ every * years 2+ every 3 years 3+ every year 4+ every 1,
years
1
:5* T,e sco2e o 'ank-n1 o$'"ds$an ,as 'een e6#ended #o
1!-e5ances a1a-ns# de-c-enc( o se!5-ce conce!n-n1
&oans and ad5ances and c!ed-# ca!ds '( RBI -n #e!$s o
2o%e! cone!!ed '(
1+ se" 3*A of RBI A"t 2+ Se" 3*A of /I A"t 3+ Se" 3*A BR ACT
4+ SEC 3*A C=C norms ACT
)
:5) The ban6in! 4mbusman s"heme is app'i"ab'e to
1+ ban6in! "ompany 2+ "orresponin! new ban6 3+ Re!iona'
rura' ban6 4+ SBI an its subsiiaries *+ primary "oop ban6s -+
a'' the above
:
:5/ The "omp'aint to ban6in! ombusman arisin! out of operations
of "reit "ars sha'' be fi'e before the ban6in! ombusman
within whose territoria' )urisi"tion
1+ the bi''in! aress of the "ar ho'er 2+ the bran"h where
"reit "ar was issue 3+ the hea offi"e of the bran"h 4+ as
per the "hoi"e of the "ustomer
1
:55 T,e co$2&a-n# a# 'ank-n1 o$'"ds$an -s en#e!#a-na'&e
on&( -
1+ the person mae a "omp'aint to the "on"erne ban6 2+ no
:
12
rep'y is re"eive within one month 3+ the "omp'ainant is not
satisfie with the rep'y !iven by the ban6 4+ 1 ;2 *+ 1J;3 -+ 1
; 2 or 1;3
:5= T,e a%a!d 1-5en '( 'ank-n1 o$'"ds$an %-&& &a2se and
'e o no eec#3 "n&ess #,e co$2&a-n# "!n-s,es a &e##e! o
acce2#ance -n "&& and -na& se##&e$en# #o #,e 'ank %-#,-n
a 2e!-od o DDDDDDD
1+ 1* ays 2+ 3, ays 3+ 4* ays 4+ -, ays
*
:5> An( 2e!son a11!-e5ed '( an a%a!d o 'ank-n1
o$'"ds$an can 2!ee! an a22ea& 'eo!e A22e&&a#e
a"#,o!-#( %-#,-n DDDDD da(s o #,e co$$"n-ca#-on o #,e
a%a!d o! !eNec#-on o co$2&a-n#
1+ 1* ays 2+ 3, ays 3+ 4* ays 4+ -, ays
*
:5@ +,en no -n#e!es# -s s2ec--ed -n #,e -ns#!"$en# 3#,e
-n#e!es# a$o"n# d"e #,e!e on %-&& 'e DDDD -n #e!$s o sec
>0 o NI ac#
1+ 12A 2+ -A 3+ 1GA 4+ 24A
)
::0 In case o con5-c#-on -n a s"$$a!( s"-#7sec 1/) o NI
ac#8 o! c,eH"e 'o"nc-n1 case3 #,e 2"n-s,$en# can 'e
1+ 2 years imprisonment 2+ two times the amount of "he3ue 3+
both 1 ;2 4+ imprisonment not e:"eein! 1 year an amount
not e:"eein! five thousan rupees
/
::1 Acco"n#s e&-1-'&e o! SARFAESI ac# a!e
1+ stanar asset 2+ substanar 3+ oubtfu' 4+ 'oss *+ 2 to 4
-+ 1 to 4
5
::* SARFAESI ac# -s no# a22&-ca'&e -
1+ se"urity interest in a!ri"u'ture 'an
2+ se"urity interest in 'oans be'ow 1 'a6h
4+ the amount ue is 'ess than 2,A of the prin"ipa' an
interest there on
*+ se"urity interest over air"raft9ship9vesse' -+ a'' the above
:
::) SARFAESI Ac# 7#-ck #,e co!!ec# one 8
1+ 'aw of 'imitation is app'i"ab'e
2+ overries the provision of se"tion -1 an -1A of Transfer of
property a"tE mort!a!e property "an not be so' without "ourt
intervention)
3+ the a""ount must be /$A
4+ a'' the above
/
::/ Unde! SEC 1) o SARFAESI ACT3 sec"!ed c!ed-#o! can
eno!ce #,e sec"!-#( -n#e!es# on&( a#e! e62-!( o DDD DDDDD
da(s no#-ce
1+ 3, 2+ -, 3+ 1, 4+ 1*
*
::5 Se&ec#-5e c!ed-# con#!o& $eas"!es a!e anno"nced '( RBI
-n #e!$s o sec DDDDD o DDDDDD ac#
1+ 21 of BR a"t 2+ 21A of BR a"t 3+ 22 of BR a"t 4+ 24 of Br a"t
1
13
::: Co"n#e!e-# c"!!enc( !e2o!# 7CCR8 -s #o 'e !e2o!#ed #o
FIUDINDIA
1+ 1* th of ne:t month 2+ not 'ater than 2 wor6in! ays from
the en of the month the transa"tion has o""urre 3+ not 'ater
than 2 wor6in! ays from the ate of o""urren"e of the
transa"tion 4+ not 'ater than 1* wor6in! ays from the ate of
o""urren"e of the transa"tion
)
::= I !eco!ds a!e no# $a-n#a-ned '( 'ank as 2e! #,e
s#-2"&a#-ons o 0?L ac# *00*3'anks can 'e -ned
1+ Rs 1, 'a6hhs 2+ Rs 1,,,, to 1 'a6h for ea"h fai'ure 3+ Rs
2*,,, 4+ no 'imit
*
::> As 2e! RBI 1"-de&-nes 'anks can o'#a-n -6ed de2os-#
!o$ ne% &ocke! a&&o##ees3a$o"n# no# e6ceed-n1
1+ ban6 "an not ta6e fi:e eposit 2+ amount that wou' "over
3 years rent 3+ amount that wou' "over brea6 openin!
"har!es 4+ amount of 3 years rentN brea6 openin! "har!es
/
::@ As 2e! BCSBI3 - a 'ank -n#ends #o c&ose a '!anc, o!
$o5e -#s '!anc, !o$ -#s e6-s-#-n1 2&ace 3-# %-&& -no!$
#,e c"s#o$e!DDDDDDD $on#,s -n ad5ance - #,e!e -s no
o#,e! '!anc, o an( 'ank -n #,a# cen#!e
1+ 2 months 2+ 3 months 3+ - months 4+ 12 months
)
:=0 As 2e! #,e code co$$-#$en# #o c"s#o$e!s7BCSBI83#,e
!e2!esen#a#-5e o 'ank %-&& 5-s-# no!$a&&( a 'o!!o%e!
'e#%eenDDDDD and DDDDDD
1+ 2A< an G $< 2+ 2A< an 2 $< 3+ G A< an G $< 4+ 1 A<
an 1 $<
*
:=1 T,e #a!1e# o! D-e!en#-a& Ra#e o In#e!es# Sc,e$e -s
1+ 1 A of tota' avan"es outstanin! as at the en of the
previous year 2+ no tar!et 3+ 1, A of A!ri"u'tura' avan"es 4+
4,A of tota' avan"es
1
:=* T,e #a!1e# o! o!e-1n 'anks o! S$a&& En#e!2!-se
ad5ances
1+ no tar!et 2+ 1, A of A/BC 3+ 1,A of "reit e3uiva'ent
amount of 4ff@Ba'an"e Sheet E:posure 4+ hi!her of 2 an 3
/
:=) T,e #a!1e# o! E62o!# c!ed-# o! Do$es#-c 'anks -s
1+ 12 A of A/BC 2+ no tar!et 3+ 1,A of "reit e3uiva'ent
amount of 4ff@Ba'an"e Sheet E:posure 4+ hi!her of 1 an 3
/
:=/ T,e #a!1e# o! To#a& a1!-c"&#"!a& ad5ances -s 7Do$es#-c
'anks8
1+ 1G A of A/BC 2+ 1GA of "reit e3uiva'ent amount of 4ff@
Ba'an"e sheet e:posure 3+ hi!her of 1 an 2 4+ no tar!et
)
:=5 T,e #a!1e# o! #o#a& 0!-o!-#( Sec#o! ad5ances o! Fo!e-1n
'anks -s
1+ /o spe"ifi" tar!et 2+ 32 A of A/BC 3+ 4, A of A)uste /et
Ban6 Creit EA/BC) 4+ 32A of "reit e3uiva'ent amount of 4ff@
Ba'an"e Sheet E:posure *+ 4,A of "reit e3uiva'ent amount of
4ff@Ba'an"e Sheet E:posure -+ hi!her of 2 An 4 2+ hi!her of 3
an *
:
:=: S$a&& 7$an"ac#"!-n18 En#e!2!-ses -s one %,ose
In5es#$en# -n 2&an# and $ac,-ne!( Oo!-1-na& cos#
e6c&"d-n1 &and and '"-&d-n1K does no# e6ceed Rs. DDDDD
*
14
1+ 3 "rores 2+ * "rores 3+ 2 "rores 4+ i1 "rore
:== S$a&& se!5-ce En#e!2!-ses -s one %,ose -n5es#$en# -n
eH"-2$en# 7o!-1-na& cos# e6c&"d-n1 &and and '"-&d-n1 and
"!n-#"!e3 -##-n1sP does no# e6ceed DDDDDDD
1+ 2 "rores 2+ 1 "rores 3+ * "rores 4+ 1, "rores 1
:=> ?-c!o 7$an"ac#"!-n18 En#e!2!-ses -s one %,ose
-n5es#$en# -n 2&an# and $ac,-ne!( Oo!-1-na& cos#
e6c&"d-n1 &and and '"-&d-n1P does no# e6ceed Rs.
DDDDDDDDDD3 -!!es2ec#-5e o &oca#-on
1+ *, 'a6hs 2+ 2* 'a6hs 3+ * 'a6hs 4+ 1, 'a6hs
*
:=@ ?-c!o Se!5-ce En#e!2!-ses -s one %,ose -n5es#$en# -n
eH"-2$en# Oo!-1-na& cos# e6c&"d-n1 &and and '"-&d-n1 and
"!n-#"!e3 -##-n1sP does no# e6ceed DDDDDDDD
1+ 1, 'a6hs 2+ *, 'a6hs 3+ 2* 'a6hs 4+ 1* 'a6hs
1
:>0 Ad5ances 1!an#ed #o !e#a-& #!ade!s dea&-n1 -n essen#-a&
co$$od-#-es 7a-! 2!-ce s,o2s83 cons"$e! coDo2e!a#-5e
s#o!es3 #,e c!ed-# &-$-# as 2e! 2!-o!-#( sec#o! -s
1+ 1, 'a6hs 2+ no 'imit 3+ 2, 'a6hs 4+ 2* 'a6hs
*
:>1 Loans "2 #o DDDDDDDDDDD3 -!!es2ec#-5e o &oca#-on3 #o
-nd-5-d"a&s o! 0"!c,aseCcons#!"c#-on o a d%e&&-n1 "n-#
2e! a$-&(3 e6c&"d-n1 &oans 1!an#ed '( 'anks #o #,e-!
o%n e$2&o(ees %-&& 'e cons-de!ed "nde! 2!-o!-#( sec#o!
ad5ances
1+ 2* 'a6hs 2+ 1* 'a6hs 3+ 1, 'a6hs 4+ 2, 'a6hs
/
:>* Loans 1-5en o! !e2a-!s #o #,e da$a1ed d%e&&-n1 "n-#s o
a$-&-es "2 #o Rs DDDDDDD -n !"!a& and se$-D"!'an a!eas
and "2 #o Rs. DDDDDDDD -n "!'an and $e#!o2o&-#an a!eas.
%-&& a&& "nde! 0!-o!-#( sec#o!
1+ 2 'a6h an 1 'a6h 2+ 1 'a6h an 2 'a6hs 3+ 2 'a6h an 2 'a6h
4+ 1 'a6h an 1 'a6h
*
:>) Loans o 5e!( s$a&& a$o"n# no# e6ceed-n1 Rs. 503000
2e! 'o!!o%e! 2!o5-ded '( 'anks e-#,e! d-!ec#&( o!
-nd-!ec#&( #,!o"1, a SEGCQLG $ec,an-s$ o! #o
NBFCC?FI o! onD&end-n1 "2 #o Rs. 503000 2e! 'o!!o%e!
-s kno%n as
1+ Lea6er se"tor "reit avan"es 2+ <i"ro "reit 3+ ma"ro
"reit 4+ #RI avan"es
*
:>/ Ed"ca#-ona& &oans 1!an#ed #o -nd-5-d"a&s o! ed"ca#-ona&
2"!2oses "2 #o Rs. DDDDDDD o! s#"d-es -n Ind-a and Rs.
DDDDDDD o! s#"d-es a'!oad.%-&& a&& "nde! 2!-o!-#( sec#o!
1+ 2%* an 1* 2+ 2%* an 2, 3+ 1, an 2, 4+ 1, an 1*
)
:>5 Fo! #,e 2"!2ose o 2!-o!-#( sec#o! &end-n13
ANBC7 AdN"s#ed ne# 'ank c!ed-#8 deno#es
1+/BC 2+ fresh investments mae by ban6s in non@S.R bons
he' in 7T< "ate!ory3+Investments mae by ban6s in the
Re"apita'i(ation Bons f'oate by 8overnment of Inia%4+
5
15
1N2N3 *+ 1N2@3
:>: 1009 o #,e c!ed-# o"#s#and-n1 "nde! &oans o! 1ene!a&
2"!2oses "nde! Gene!a& C!ed-# Ca!ds 7GCC8 and
o5e!d!a# "2#o Rs *5000 -n Ino !-&& acco"n#A %-&& 'e
cons-de!ed as 7ann"a& 2o&-c( 0>D0@)
1+ Inire"t a!ri"u'ture avan"e 2+ #ire"t A!ri"u'ture avan"e 3+
on'y as priority se"tor avan"e 4+ #RI avan"e
1
:>= T,e o!e-1n 'anks ,a5-n1 s,o!#a&& -n &end-n1 #o
s#-2"&a#ed 2!-o!-#( sec#o! #a!1e#Cs"' #a!1e#s %-&& 'e
!eH"-!ed #o con#!-'"#e
1+ Rura' Infrastru"ture #eve'opment 0un ERI#0) estab'ishe
with /ABAR#%2+ Sma'' Enterprises #eve'opment 0un ESE#0)
to be set up by Sma'' Inustries #eve'opment Ban6 of Inia
ESI#BI) 3+ 1 or 2 4+ *,A in ea"h
*
:>> +,-c, o #,e o&&o%-n1 -sCa!e co!!ec#
1+ no 'oan "an be !iven a!ainst our own ban6 shares
2+ A staff member "an ta6e norma''y $rivi'e!e 'eave on 3
o""asions
3+ no 'oan "an be !iven a!ainst 0#R of other ban6s
4+ a'' the above
/
:>@ I #,e c"!!en# !a#-o -s *G1 and #,e c"!!en# &-a'-&-#-es a!e
100 c!o!es3 #,en c"!!en# asse#s %-&& 'e
1+ 2,, "r
2+ *, "r
3+ 4,, "r
4+ ata is insuffi"ient
1
:@0 T,e !a#e o -n#e!es# on NRE sa5-n1s acco"n# -s
1+ 4A 2+ * A 3+ 3%*A 4+ 2A )
:@1
+,-c, -s co!!ec#.
1+ #$ is an a!ent of epository 2+ epository is an a!ent of #$
3+ #epository is an a!ent of SEBI 4+ #$ is an a!ent of RBI
1
:@*
+,o a22o-n#s ?e!c,an# Banke!.
1+ SEBI 2+ ISS?ER C4<$A/= 3+ RBI 4+ #E$4SIT4R=
*
:@)
IFSC 7Ind-an F-nanc-a& s(s#e$ code8 -s assoc-a#ed %-#,
1+ RT8S 2+ /E0T 3+ 0I?@I/#IA 4+ $<.A 2,,2 *+ 1 A/# 2
5
:@/
Inco$e !ece-5ed !o$ Re5e!se ?o!#1a1e "nde! IT ac#
7T-ck T,e co!!ec# ONE8
1+ wi'' not be treate as in"ome 2+ wi'' not be treate as
transfer 3+ The sum re"eive wi'' be e:empte from in"ome ta:
4+ a'' the above
/
1"
:@5
RBI ,as eased #,e An#- ?one( La"nde!-n1 G"-de&-nes and
a&&o%ed A"#,o!-sed 2e!sons dea&-n1 -n Fo!e-1n
e6c,an1e #o $ake 2a($en# -n cas, #o Fo!e-1n
5-s-#o!sCNRI 1o-n1 a'!oad #o #,e e6#en# o
1+ ?S# 2,,, 2+?S# 2*,, 3+?S# *,, 4+ ?S# 3,,,
/
:@:
T,e UC0DC 7-cc 2"'&-ca#-onsD:008 con#a-ns
1+ 31 arti"'es 2+ 41 Arti"'es 3+ 21 arti"'es 4+ -,, arti"'es
1
:@=
T,e Ino!$a#-on !e1a!d-n1 +-&"& dea"&#e!s %-&& 'e
s"'$-##ed #o
1+ RBI 2+ CIBI. 3+ CBI 4+ A.. T7REE *+ 1 An 2
5
:@>
A NRI 2e!son -s ,a5-n1 a -6ed de2os-# %-#, (o" o! Rs
50 &ak,s. Bo" can 1-5e $a6-$"$ de$and &oan o RS
1+ 4, 'a6hs 2+ 4* 'a6hs 3+ 2, 'a6hs 4+ no eman 'oan "an be
!iven
)
:@@
+,-c, -s #,e -#e$ added #o #,e IFo!ce ?aNe"!eA -n UC0
:00.
1+ 0'oos 2+ earth Pua6e 3+ Tsunami 4+ a"t of Terrorism
/
=00
As 2e! UC0 :003 a&& c!ed-#s a!e
1+ Revo"ab'e 2+ irrevo"ab'e 3+ as mentione in the .C 4+ C'ean
*
So"!ceQ <a!-o"s BooksC2e!-od-ca&s and +e's-#es
Co$2-&ed '( <.S ?AEADE<AN ac"&#( $e$'e! CBICBKC
Kee2 "2da#-n1 #,e H"es#-ons and ans%e!s
1#