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Banking Knowledge Super Banking GK Capsule for IBPS PO/Clerk Exma 2015/2016

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  • Banking GK Power Capsule By www.newstechcafe.net

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    Banking Awareness Capsule for IBPS PO/Clerk Exam 2015

    Designed By http://www.newstechcafe.net

    1. In case of dairy finance, for any viable unit the minimum __________ milch cattle to be financed.

    a) 5

    b) 10

    c) 2

    d) 4

    e) 6

    2. The old tractor loan can be granted to a farmer having perennially irrigated land holding of

    a) 2 acres

    b) 3 acres

    c) 4 acres

    d) 5 acres

    e) 6 acres

    3. Agriculture Finance scheme No II pertains to:

    a. Purchase of agriculture implements

    b. Loans for cultivation of crops

    c. Purchase of tractors and other heavy agricultural machines

    d. Development of irrigation potential

    e. Purchase of Tractors and power tillers

    4. Under BKCC scheme, the farmers are eligible for maximum loan of

    a) Rs.10 lac

    b) Rs.25 lac

    c) Rs.100 lac

    d) Rs.50 lac

    e) No Ceiling (But as per DLP of sanctioning authority)

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    5. Under BKCC scheme, the lines of credit are

    a)Production Line of Credit & Investment Line of Credit

    b) Production Line of Credit & Harvesting Line of Credit c)Investment Line of Credit & Marketing Line of Credit

    d)Investment Line of Credit & Marketing Line of Credit

    e)Composite Line of Credit & Marketing Line of Credit

    6 Under BKCC scheme, the maximum amount of Loan under Investment line of Credit should not

    exceed

    a) 60% value of land & 100% value of other liquid securities

    b) 75% value of land & 100 % value of other liquid securities

    c) 100% value of land & other liquid securities

    d) Maximum 10 lac -Not linked to securities

    e) 50% of value of securities.

    7. Baroda Kisan Tatkaal Loan cannot be sanctioned to

    a) BKCC Green Card holder having satisfactory track record for min. three years

    b) BKCC Silver Card holder having satisfactory track record for min. three years

    c) BKCC Gold Card holder having satisfactory track record for min. three years

    d) BKCC joint account holder having satisfactory track record for min. three years

    e) None of the above

    8. Under BKTL scheme, loan can be granted for

    a) Agriculture & domestic purposes

    b) Consumption

    c) Marketing & other purposes

    d) All of the above

    e) None of the above

    9.The Finacle menu option to freeze the debit in account in which Baroda Kisan Rupay card has been

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    issued is:

    a) CUMM/HCUMM b) HATMREQ c) SPP

    d) AFSM

    e) SPTR

    10.Number of transactions permitted at ATM for cash Withdrawal per day for Baroda Kisan Rupay card is:

    a) 3

    b) 4

    c) 5

    d) 8

    e) 10

    11. In Rural Godown - Gramin Bhandaran Yojna the subsidy is back ended. The subsidy cannot be credited

    before a period of

    a) 2 years

    b) 3 years

    c) 5 years

    d) 7 years

    e) 9 years

    12.In Rural Godown - Gramin Bhandaran Yojna a time limit of ---- months is prescribed for completion of

    the project from the date of disbursal of first installment of loan.

    a) 12 months

    b) 15 months

    c) 18 months

    d) 21 months

    e) 24 months

    13.The maximum limit under priority sector loan against gold Jewellery is : a. Rs. 1 lac

    b. Rs. 2 lacs

    c. Rs. 3 lacs d. Rs. 5 lacs

    e. Rs. 10 lacs

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    14.The maximum repayment period under the scheme for financing to farmers for purchase of four wheelers are:

    a. New vehicle 72 months; old /used vehicle 60 months

    b. New vehicle 84 months; old /used vehicle 60 months

    c. New vehicle 84 months; old /used vehicle 48 months

    d. Vehicle72 months; old /used vehicle 36 months

    e. New vehicle 84 months; old /used vehicle 84 months

    15. When in Rural Godown - Gramin Bhandaran Yojna the projects are located in North east & hilly areas the minimum owners contribution is required: ---

    a) 05%

    b) 10%

    c) 15%

    d) 20%

    e) 25%

    16.Agribusiness centers are envisaged to provide

    a) Input Supply, Farm equipments on hire & other services

    b) Advice on market trends & prices of various commodities

    c) Advice on Cropping Practices & Patterns, Technology etc.& clinical services for animal health

    d) B & c

    e) All of the above

    17. Vyas committee is related to flow of credit to

    a)Agriculture

    b)Small & Micro Enterprises

    c) C& I

    d) Retail lending

    e) Medium Enterprises

    18. In case of Self Help Group the maximum loan can be sanctioned up to

    a) 4 times of Corpus Fund with ceiling of Rs 3 lac

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    b) Double the corpus fund

    c) Maximum upto 1:10 for the projected savings of ensuing five years.

    d) Rs.10.00 lac

    e) No linkage with the corpus fund

    19. In case of SHG the minimum margin to be stipulated is

    a) 5% b) 10%

    c) 15%

    d) As per specific activity

    e) No Margin

    20. Beneficiarys contribution (i.e. margin) in PMEGP is _____as percentage of project cost a) 10% by general category and special category persons

    b) 5% by general category and special category persons

    c) 10% by general category and 5% by special category persons

    d) 5% by general category and 5% by special category persons

    e) 15% by general category and 15% by special category persons

    21. Joint Liability Group is related to

    a) Top corporate customers

    b) High worth Individuals

    c) A group of 4 to 10 farmers with very small means

    d) SHG

    e) All of the above

    22. Under BKGL(Baroda kisan Group loan) scheme, max. loan can be granted to a group

    a) Rs.150000

    b) Rs.500000

    c) Rs.1000000

    d) Rs.100000

    e) RS 1500000

    23. Maximum period of loan is ---- months for Farmers under Finance against Warehouse/Storage

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    receipts- under Tie - Up arrangement with Collateral Management (CM) companies.

    a)6 months b)12 months

    c)24 months

    d)36 months e)60 months

    24. BMGCC will be valid for a period of

    a)10 Year b)5 Years c)6 Years d)3 Years

    e) 15 years

    25. What is the margin contribution in SJSRY scheme?

    a) 5% of the loan amount

    b) 7.5% of the project cost

    c) 10% of the project cost

    d) 15% of the project cost

    e) 25% of the project cost

    26. Out of total housing loan granted by the branch which one will be classified as priority sector

    under revised Priority Sector Policy

    a) housing loan limit up to Rs. 25 lacs irrespective of the area

    b) housing loan limit up to Rs. 24 lacs in other than metropolitan centre

    c) housing loan limit up to Rs. 28lacs in metropolitan centre with Population more than 10 Lacs

    d) Both b & c e)housing loan limit up to Rs. 20 lacs irrespective of the area

    27. Under BKCC scheme, the farmers are to be given different type of cards depending upon their association & satisfactory conduct. A farmer having above 5 years of satisfactory conduct of account will be entitled to

    a)BKCC Green

    b)BKCC Silver c)BKCC Gold

    d)BKCC Exclusive e) BKCC platinum

    28. What is the minimum margin under farm produce marketing loans/finance against warehouse

    receipt?

    a) 40%

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    b) 25%

    c) 15% d) 10%

    e) 5 %

    29. The maximum limit under priority sector loan against gold Jewellery is : a)Rs. 1 lac b)Rs. 2 lacs

    c)Rs. 3 lacs d)Rs. 5 lacs

    e)Rs. 10 lacs 30.The minimum margin under priority sector loan against gold Jewellery is:

    a)5% b)10% c)15%

    d)20%

    e)25%

    31. The maximum amount that can be financed under the scheme for financing to farmers for purchase of four wheelers are :

    a)Rs. 10 lacs for new vehicle & Rs. 5 lacs for old vehicle

    b)Rs. 15 lacs for new vehicle & Rs. 5 lacs for old vehicle

    c)Rs. 15 lacs for new vehicle & Rs. 10 lacs for old vehicle d)Rs. 10 lacs for new vehicle & Rs. 10 lacs for old vehicle

    e)Rs. 15 lacs for new vehicle & Rs. 15 lacs for old vehicle

    32.Scheme for installation of photo-voltaic pumping system for small irrigation projects .It must be

    ensured that minimum subsidy + margin is ------

    a. 25%

    b. 30%

    c. 40%

    d. 50%

    e. 60%

    33. Under Scheme for installation of photo-voltaic pumping system for small irrigation projects for dug

    well it is necessary that the beneficiary have the following minimum area of land to be brought under

    irrigation to ensure viability of investments and repayment of loans in the prescribed period.

    a. 1 acres

    b. 1.60 acres

    c. 1 hectares

    d. 1.60 hectares

    e. 2 hectares

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    34. Up to what limit, penal interest is not charged in Agriculture Accounts?

    a. Rs. 25000

    b. Rs.50000

    c. Rs. 75000

    d. Rs. 1.0 lacs

    e. Rs.2.0 lacs

    35. Which of the following is not a feature of Basic Saving Bank Deposit Account under financial inclusion:

    a) This account shall not have the requirement of any minimum balance

    b) The services available in the account will include deposit and withdrawal of cash at bank

    branch as well as ATMs

    c) Facility of ATM card or ATM-cum-Debit Card d) Account holders will be allowed a maximum of five withdrawals in a

    month, including ATM withdrawals

    e) Receipt/credit of money through electronic payment channels or by

    means of deposit/collection of cheques drawn by Central/State Government agencies and departments.

    36. What is the incentive payable by our bank to BC for canvassing of retail loan/GCC/BKCC:

    a. 0.25% of loan amount subject to a maximum of Rs. 500 per case

    b. 0.50% of loan amount subject to a maximum of Rs. 500 per case

    c. 0.50% of loan amount subject to a maximum of Rs. 1000 per case

    d. 1.00% of loan amount subject to a maximum of Rs. 500 per case

    e. 1.00% of loan amount subject to a maximum of Rs. 1000 per case

    37. What is the incentive payable by our bank to BC for canvassing RD accounts? a) Rs. 5 per account subject to a maximum of Rs. 25 per customer ID b) Rs. 5 per account subject to a maximum of Rs. 50 per customer ID

    c) Rs. 10 per account subject to a maximum of Rs. 25 per customer ID d) Rs. 10 per account subject to a maximum of Rs. 50 per customer ID e) Rs. 25 per account subject to a maximum of Rs. 25 per customer ID

    38. Which of the following is not correct for incentive paid to BC for canvassing of

    Life insurance product of India first life insurance Company is? a. Per Policy Rs. 5/- for sum insured up to Rs.15000/-

    b. Per Policy Rs. 10/- for sum insured above Rs. 15000 & up to Rs. 25000/-

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    c. Per Policy Rs. 20/- for sum insured above Rs. 25000/-

    d. None of the above

    e. All of the above

    39. The smart card is capable to store account details, biometric data, latest ----- transaction of the

    account and balance available in the account.

    a. 3

    b. 5

    c. 7

    d.10

    e. 12

    40. Which of the following is not correct regarding subsidy under SJSRY? a) 25% of project cost and maximum Rs.50000

    b) 35% of project cost maximum Rs.3 lacs for women groups

    c) 35% of project cost maximum Rs.60000 per women within overall ceiling for the group

    d) none of the above

    e) All of the above

    41. In case of term loan the margin requirement for Loan limit above Rs. 100,000 for other than

    Tractor and heavy agri. Machinery is---- a) 25%

    b) 15%

    c) 20%

    d) 0 %

    e) 10% 42. What is the maximum amount of project cost under SJSRY?

    a) Rs.2 lacs per individual b) Rs.2 lacs per partner for partnership

    c) No ceiling on project cost for women self help groups

    d) all the above e) none of the above

    43. What is not correct regarding the loan under SJSRY? a) loan amount is 95% of the project cost including amount of subsidy b) loan amount is 75% of the project cost being basic loan component

    c) no interest to be charged on loan component representing subsidy d) none of the above

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    e) all of the above

    44. What would be the ___% of Micro enterprises advance under new Priority sector guideline :

    a) 7.5 % of ANBC

    b) 8.5 % of ANBC

    c) 18 % of ANBC

    d) 4.5 % of ANBC

    e) 13.5 % of ANBC

    45. Which of the following is not correct regarding the margin money (subsidy) under PMEGP scheme?

    a) banks claim subsidy on the basis of project cost approved in sanction b) if the actual capital expenditure is lower, the subsidy will be reduced on pro-rata basis c) if availment of working capital limit is not as prescribed, the prorate subsidy will be returned

    to KVIC

    d) full amount of subsidy is available in all cases, if the project is run successfully. e) Margin money subsidy will not be released by Ministry of MSME in cases when application are

    not entered in the e-tracking system

    46. What is the mandatory sub target for Agriculture advances for Small and Marginal Farmer?

    a)5% of ANBC

    b)15% of ANBC c)10% of ANBC d)8% of ANBC

    e)4.5% of ANBC

    47. What is the mandatory sub target for Agriculture advances? a) 5% of ANBC

    b) 10% of ANBC

    c) 18% of ANBC d) 13.5% of ANBC

    e) 4.5% of ANBC

    48. The margin requirement under the scheme for financing to farmers for purchase of four wheelers is:

    a. New Vehicle 10% used vehicle 30%

    b. New Vehicle 25% used vehicle 25%

    c. New Vehicle 15% used vehicle 25% d. New Vehicle 15% used vehicle 40%

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    e. New Vehicle 25% used vehicle 40%

    49. Loan available against pledge of gold ornaments/ jewellery, Gold coins, Silver jewellery for agricultural or other Priority sector purposes. The rate of interest applicable will be

    a)BPLR

    b)7% c)as per the category of advance d)Base Rate

    e)None of the above

    50. Under Urban Women self employment program within SJSRY, the revolving fund can be provided to groups with one year existence. What is true in this regarding? a) amount can be Rs.10000 per group and per member up to Rs.1000

    b) amount can be Rs.15000 per group and per member up to Rs.1500 c) amount can be Rs.20000 per group and per member up to Rs.2000 d) amount can be Rs.25000 per group and per member up to Rs.2000

    e) amount can be Rs.35000 per group and per member up to Rs.5000

    **

    Answer Key: Rural Banking

    Q.No. Ans. Q.No. Ans. Q.No. Ans. Q.No. Ans. Q.No. Ans.

    1 c 11 c 21 c 31 c 41 b

    2 a 12 b 22 c 32 e 42 d

    3 c 13 c 23 b 33 c 43 b

    4 e 14 c 24 d 34 a 44 a

    5 a 15 d 25 a 35 d 45 d

    6 b 16 a 26 c 36 b 46 d

    7 a 17 a 27 c 37 a 47 c

    8 d 18 c 28 b 38 d 48 d

    9 d 19 e 29 c 39 d 49 c

    10 b 20 c 30 e 40 b 50 d

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