Free Printable PPT New C December 2022

1.

As per latest guidelines in regard to "Compliance & Closure cycle of various Audits" the 1st compliance report should be within_____ days from publication of audit report by branches with fund based credit portfolio of Rs 250 Cr.

a)

90

b)

60

c)

30

d)

15

2.

Which of the following is not a benefit of SPOT rectification under audit system

a)

Saving of man-days which would have been rather consumed for post audit functions

b)

Sensitive issues resolved within short spam

c)

Achievement of business target is confirmed

d)

Reductin in TAT of compliance and closure cycle

3.

As per latest guidelines in regard to "Compliance & Closure cycle of various Audits" the 1st compliance report should be within_____ days from publication of audit report by branches with fund based credit portfolio of Rs 25 Cr.

a)

60

b)

45

c)

30

d)

15

4.

Timeline for closure (Final Compliance) of credit Audit is _____ days

a)

60

b)

45

c)

30

d)

15

5.

Timeline for first compliance Report for the observations of SL/SOL/FR conversion of QRC to CRC is _______ days

a)

30

b)

45

c)

60

d)

90

6.

How many pillars are available under policy on Adminisrative Enforcement of Accountability

a)

3

b)

4

c)

5

d)

6

7.

Updation of Red Flag and White Flag is done on a ____ basis

a)

Real time

b)

Monthly

c)

Quarterly

d)

Yearly

8.

Responsibity of uploading Red and White Flag vests with _______

a)

RCO

b)

ZCO

c)

ZIAD

d)

HRM

9.

What is the periodicity of audit for very high risk branches

a)

3 Months

b)

6 Months

c)

9 Months

d)

12 Months

10.

What is the periodicity of Management Audit of controlling offices viz Zonal / Regional Offices

a)

1 year

b)

2 year

c)

3 year

d)

5 year

11.

Cersai has to be registered

a)

Within 30 days of mortgage

b)

Immediately

c)

Can be done anytime with penalty

d)

Not mandatory under Cersai 2.0

12.

What is the periodicity of audit for newly opened branches ?

a)

Within 2 months

b)

Within 3 months

c)

Within 6 months

d)

Within 12 months

13.

Which of the following is NOT a Zero Tolerance Area of our bank?

a)

Rectification of CEMU alert

b)

CIBIL report generation

c)

Documents Not Renewed

d)

Four Eye Principle

14.

What nature of RIGHT on secured assets a lender will get having first charge on CERSAI Portal?

a)

Secondary Right

b)

Pari Passu Right

c)

First Right

d)

No Right

15.

Which items are NOT included in monthly PSR reports?

a)

PSR of Retail Loans

b)

PSR of Non-Retail Loans

c)

PSR of Controllable Expenses

d)

PSR of Deceased Claim Settlement

16.

Which reports is useful in preventing payments of fake cheques in clearing?

a)

Off-SOL

b)

Daily Transactions

c)

Inter-SOL

d)

GENLET

17.

What is the periodicity of audit for Medium Risk branches ?

a)

3 Months

b)

6 Months

c)

12 Months

d)

24 Months

18.

Which Security inventory items need NOT to be entered in the system?

a)

FDR

b)

CHEQUE BOOK

c)

DD/PO

d)

WITHDRAWAL SLIP

19.

Which is NOT an example of adherence of Four Eye Principles?

a)

Cash Payments Transactions

b)

Sanctioning of Advances

c)

Passbook Printing

d)

Mobile Number Change in system

20.

What is the regulatory requirement for verification of KYC?

a)

Obtaining Any ID and Address Proof

b)

Not taking self- attestation on Documents

c)

Verifying OVDs with the original

d)

Taking old photo of the customer

21.

What action may attract staff accountability?

a)

Generating Off-sol Transaction 3 times a day

b)

Not saying Good Morning to the customer

c)

Not filling the account opening form by yourself

d)

Non compliance of updating signature of customers in system

22.

Periodical Legal Audit of title documents and other related loan documents has to be done in respect of large value loan accounts having exposure of Rs Crore and above

a)

1

b)

3

c)

5

d)

10

23.

Re-Verification of title deeds under legal audit has to be carried out once in every years

a)

2

b)

3

c)

5

d)

10

24.

Stock / book debts audit has to be carried out in all accounts having fund and non-fund based working capital facilities of Rs Crore & above

a)

1

b)

2

c)

3

d)

4

25.

The frequency of stock audit will be in respect of working capital exposure of Rs 5.00 Cr & above.

a)

Monthly

b)

Quarterly

c)

Bi-annual

d)

Annual

26.

The frequency of stock audit will be in respect of working capital exposure of Rs 1.00 Cr & above upto Rs 5.00 Crore

a)

Monthly

b)

Quarterly

c)

Bi-annual

d)

Annual

27.

Credit Audit has to be carried out in all fresh sanctions / existing accounts including Retail loans and restructured accounts with aggregate exposure of

Rs Crore and above

a)

2

b)

5

c)

8

d)

10

28.

Credit Audit has to be carried out in percent of borrowal accounts randomly selected from fresh accounts sanctioned with exposure of Rs 1 Crore and above but below Rs 10 Crore

a)

2

b)

5

c)

8

d)

10

29.

............ is to verify the actual rectifications of the reported irregularities pointed out during the Regular Audit of the operating unit subsequent to submission of Clean Rectification Certificate

a)

Concurrent Audit

b)

Next RBIA

c)

Compliance Audit

d)

Statutory Audit

30.

Minimum ....... percentage of the total branches audited during the previous quarter and have submitted the Clean Rectification Certificate are covered under the Compliance Audit

a)

10

b)

15

c)

20

d)

25

31.

What is the periodicity of audit for High Risk branches ?

a)

3 -6 Months

b)

6 -9 Months

c)

9 - 12 Months

d)

12 - 18 Months

32.

Bank has laid down guidelines for changing the mobile numbers in the account and verify the same by generating the report through ...... menu

a)

CUSMOB

b)

CUMOBL

c)

CUSTMOB

d)

ACCMOB

33.

The branches has to do inspection of their respective BC points on ......... basis

a)

Monthly

b)

Quarterly

c)

Bi-annual

d)

Annual

34.

Full form of CIAD

a)

Central Internal Audit Division

b)

Central Internal Audit Department

c)

Central Inspection & Audit Division

d)

Central Inspection & Audit Department

35.

Which of the following is not included in Business Risk of Risk Based Internal Audit

a)

Credit Risk

b)

Operational Risk

c)

Earnings Risk

d)

Compliance Risk

36.

Which of the following is not included in Control Risk of Risk Based Internal Audit

a)

Operational

b)

Credit

c)

Earnings

d)

Compliance

37.

Upon successful conversion of lead genratd by BCs for Current account incentive payable to BCs is ______ depending upon QAB maintained in such accounts.

a)

From Rs 50 to 500

b)

From Rs 150 to 500

c)

From Rs 250 to 500

d)

From Rs25 to 500

38.

Which among the following is not a benefit of PMJDY account-

a)

SMS Facility

b)

Mobile Banking

c)

Standing Instructions facility

d)

D-mat account

39.

Who is the recommending authority for selection of a Business Correspondent?

a)

Corporate BC

b)

Zonal office

c)

Regional office

d)

Link branch

40.

Link Branch to conduct Audit of BC point on or before ...... day of every month?

a)

3rd

b)

5th

c)

7th

d)

15th

41.

In addition to audit by the branch, concerned Regional Office to audit .... % of the BCs of the region randomly in every quarter?

a)

5%

b)

10%

c)

15%

d)

25%

42.

For PMJDY overdraft limit beyond Rs. 2000/- 50% of credit summation in account during the...... months is considered?

a)

Preceding 6 months

b)

Succeeding 6 months

c)

Preceding 3 months

d)

Succeeding 3 months

43.

Who among the following are not eligible for overdraft limit under PMJDY scheme?

a)

Minors, KCC/GCC borrowers

b)

BSBD account holder with no other SB a/c with the same Bank.

c)

Earning individual of the family having PMJDY a/c.

d)

BSBD account in individual name

44.

What is the maximum limit ceiling for field BC settlement OD account under OD124 scheme for first six months?

a)

Rs.10000/-

b)

Rs.20000/-

c)

Rs.30000/-

d)

Rs.50000/-

45.

Our bank customer visits to our Bank’s BC point to transfer fund from his account to the account of other bank customer, it is called .... ?

a)

Issuer Fund Transfer

b)

Acquirer Fund Transfer

c)

Issuer withdrawal

d)

Acquirer Withdrawal

46.

Can BSBD account holder open other deposit accounts individually?

a)

No, individual cannot have any other deposit account.

b)

Yes, individual can open Recurring deposit only

c)

Yes, individual can open Term deposit only

d)

Yes, individual can open Term deposit & Recurring deposit.

47.

At the time of visit to BC point, branch officials have to do at least financial/non- financial transaction at BC point.

a)

One

b)

Two

c)

Three

d)

zero

48.

PMJDY account of minor of age 10 years and above can be opened in the individual name of the minor, with operational instruction ..... , with some limitations.

a)

Self

b)

Jointly with Guardian

c)

Either or Survivor

d)

Operation by Guardian only

49.

New menu for deletion of erreneous transactions related to DD/BC at branch level is __________.

a)

DDTRAND

b)

DDBCDEL

c)

TRANDEL

d)

DDDELTRA

50.

How much amount as security deposit we should take before allotting any locker ?

a)

FD of Rs. 11000/-

b)

FD of Rs. 22000/-

c)

1 year rent plus break open charges

d)

3 years rent plus break open charges

51.

Lockers can be rented to which of the customer? a) Individuals b) Minor c) Corporates d) NRI

a)

Only a

b)

Only a, b, c

c)

a, b, c, d

d)

Only a and d

52.

How many operations are free in a locker in a year?

a)

12

b)

24

c)

25

d)

9

53.

How much charges we have to obtain after free number of locker operations?

a)

Rs. 50 per occasion

b)

Rs. 100 per occasion

c)

No charges. All operations are free

d)

Rs. 250 per occasion

54.

For how many maximum years advance rent should be accepted as per bank guidelines?

a)

Max for 3 years

b)

Max for 4 years

c)

Max for 5 years

d)

Max for 10 years

55.

Bank will settle the claims in respect of deceased depositors and release payments to survivor (s)/ nominee in case of accounts with survivor/ nominee within a period of

a)

Not exceeding 10 days from the date of receipt of the claim

b)

Not exceeding 15 days from the date of receipt of the claim

c)

Not exceeding 20 days from the date of receipt of the claim

d)

Not exceeding 25 days from the date of receipt of the claim

56.

Bank will settle the claims in respect of deceased depositors and release payments to legal heirs in case of accounts without survivor/ nominee within a period of .......

a)

not exceeding 15 days from the date of receipt of the claim

b)

not exceeding 30 days from the date of receipt of the claim

c)

not exceeding 45 days from the date of receipt of the claim

d)

not exceeding 60 days from the date of receipt of the claim

57.

Which is NOT the fraud prone area in ATM?

a)

Non availability of security guard

b)

Non functionality of CCTV Cameras

c)

Carrying surprise visit to ATM sites

d)

Allowing more than one person at a time in ATM Lobby

58.

Which is NOT true for Custody of branch keys?

a)

Maintain a Key Register

b)

Under no circumstances one person should carry both the joint custodian keys

c)

Join Custodian Keys should always on the table

d)

Key Register should be in the personal custody of BH.

59.

All entries keyed in manually in the system must be supported by....

a)

Phone calls by Authorised Officials

b)

Vouchers duly signed by authorised officials

c)

Verbal Communications by authorised officials

d)

No such provision is required

60.

Entries carried out on behalf of the customers must be backed by.....

a)

Email from the customers

b)

Verbal communication of the customers

c)

Telephone Calls from the customer

d)

Written Instructions/letter from the customers

61.

The Visit Report of BC point attached to the branch should be submitted to their Regional Office on or before ......... of the every month.

a)

3rd

b)

5th

c)

7th

d)

15th

62.

What is the maximum passing power for Inter-sol transfer transaction of a Special Assistant?

a)

Rs.25000

b)

Rs.50000

c)

Rs.100000

d)

No Powers

63.

What is the maximum passing power for Inter-sol transfer transaction of an Officer in Scale I & II?

a)

Rs.25000

b)

Rs.50000

c)

Rs.100000

d)

No Powers

64.

What is the minimum limit above which mandatory confirmation is required to be taken from base branch for passing an Inter-Sol Transfer transaction?

a)

Rs.50000

b)

Rs.100000

c)

Rs.200000

d)

Rs.500000

65.

Apart from BRH user, what is the minimum time gap between entry & verification of RTGS/NEFT transaction ?

a)

10 mins

b)

15 mins

c)

20 mins

d)

30 mins

66.

All cash cheques of Rs… & above should be screened under UV ray machine before passing for payment.

a)

Rs.5000

b)

Rs.10000

c)

Rs.25000

d)

Rs.50000

67.

All transfer cheques of Rs… & above should be screened under UV ray machine before passing for payment .

a)

Rs.5000

b)

Rs.10000

c)

Rs.25000

d)

Rs.50000

68.

What is the cooling period configured in the system for activation of new mobile number?

a)

6 Hrs

b)

12 Hrs

c)

24 Hrs

d)

48 Hrs

69.

What is the validity of a tracker ID generated while changing of Mobile Number?

a)

10 Mins

b)

20 Mins

c)

30 Mins

d)

60 Mins

70.

Which of the following is not mandatory for change of mobile number?

a)

Application Form

b)

Photo

c)

Biometric Authentication

d)

KYC documents

71.

UV stamp of which colour should be affixed at the bank of the cheque?

a)

1.Black

b)

2.Blue

c)

3. RED

d)

Either 1 or 2

72.

What are the details that must be written on the back side of all cheque cheques?

a)

Payee's Full Name

b)

Account Number

c)

Mobile Number

d)

All of the above

73.

Is CPPS mechanism available for transfer payment (other than clearing)?

a)

Yes

b)

NO

c)

NOT SURE

d)

CAN NOT TELL

74.

What is the amount of Transfer cheques that branches need to check under UV machine at the end of the day?

a)

Above Rs.5000/- and below Rs.50000/-

b)

Above Rs.10000/- and below Rs.50000/-

c)

Above Rs.20000/- and below Rs.40000/-

d)

Above Rs.20000/- and below Rs.50000/-

75.

Upto what percentage relief is given for customer retention loyality and win back customers in Gold Loan segment (valid upto 30.09.2023).

a)

0.10%

b)

0.25%

c)

0.25 % only for women

d)

0.50%

76.

What is the minimum and maximum loan limit under the Overdraft Scheme for working capital assistance to Poultry Units?

a)

Rs. 1 lakh & Rs. 10 Crore

b)

Rs. 10 lakh & Rs. 10 Crore

c)

Rs. 10 lakh & Rs. 1 Crore

d)

Rs. 10lakh & Rs. 100 Crore

77.

For exposure above Rs. ..... per borrower, Agriculture Land is not permitted to be obtained as security under the new poultry Scheme.

a)

Rs. 2 Crore

b)

Rs. 1 Crore

c)

Rs. 1.6 Crore

d)

Rs. 75 Lakhs

78.

In Gold Loans, charges of Rs .... per month are to be levied if the jewels/ornaments remain in the custody of the branch after closure of the loan account?

a)

Rs. 250

b)

Rs. 100

c)

Rs. 350

d)

Rs. 1000

79.

As per Priority Sector Lending guidelines target for Agriculture finance is.... % of ANBC or Credit equivalent amount of off balance sheet exposure, whichever is higher?

a)

12.

b)

10

c)

18

d)

40

80.

The BKCC - Crop Loan will be classified as NPA if it remains overdue for a period of in case of short duration crops?

a)

Two Years

b)

Two Crop Season

c)

Eighteen Months

d)

One Crop Season

81.

The BKCC - Crop Loan will be classified as NPA if it remains overdue for a period of in case of long duration crops?

a)

Eighteen Months

b)

One Crop Season

c)

Two Crop Seasons

d)

Three Years

82.

Under Gold Loan- BKCC scheme, the weight of specially minted gold coins should not exceed ...... grams per borrower.

a)

10

b)

25

c)

50

d)

100

83.

What is the maximum moratorium period allowable in the scheme for Financing under Animal Husbandry Infrastructure Development Fund?

a)

2 Years

b)

3 Years

c)

5 Years

d)

1.5 Years

84.

Benefit of interest subvention at ...... is available to eligible entities as per the scheme for Financing under Animal Husbandry Infrastructure Fund.

a)

1%

b)

2%

c)

3%

d)

4%

85.

What type of facility can be sanctioned as per the Scheme for Financing under Agriculture Infrastructure Fund?

a)

Term Loan

b)

Cash Credit

c)

Demand Loan

d)

Overdraft

86.

Which among the following activity/ies can be financed as per the scheme for Financing under Agriculture Infrastructure Fund?

a)

Commercial Dairy Farms

b)

Commercial Poultry Farms

c)

Commercial Fish Farming

d)

Post-Harvest Management Projects

87.

As per Priority Sector Lending guidelines loans up to ...... to individuals solely engaged in Allied activities without any accompanying land holding criteria will be considered lending to Small and Marginal Farmers (SMFs).

a)

Rs. 50000/-

b)

Rs. 100000/-

c)

Rs. 150000/-

d)

Rs. 200000/-

88.

What is the primary security for the loan facility sanctioned under Gold Loan-BKCC scheme?

a)

Hyp. Of Standing Crop & Asset Created

b)

Hyp. Of Gold Ornaments/Jewellery

c)

Third Party Guarantee or charge on land

d)

Pledge. Of Gold Ornaments/Jewellery

89.

Under New tractor loan scheme applicant should be local resident for a period of at least ....... years in service area of branch?

a)

6 Months

b)

1 Year

c)

2 Years

d)

3 Years

90.

Which of the following Finacle menu option is used for calculating loan amount as well as linking security with Loan Account?

a)

GOLDRTM

b)

GOLDRT

c)

GLDRATE

d)

GLDRTM

91.

As per IRAC norms Loan sanctioned under BAHFKCC scheme will become NPA, if remains unpaid for ........ after repayment due date?

a)

30 Days

b)

60 Days

c)

90 Days

d)

Depends on the activity

92.

In Gold Loans, charges of Rs ....... per month are to be levied if the jewels/ornaments remain in the custody of the branch after closure of the loan account?

a)

Rs. 75

b)

Rs. 100

c)

Rs. 125

d)

Rs. 150

93.

Rate at which assayer charges are to be paid for reassaying/re- assessment required to be done for ZIAD Audit.

a)

Rs. 100 per packet

b)

50% of regular charges

c)

Negotiable, depends on the business volume

d)

50 paisa for per Rs. 100 NAV

94.

In case of Poultry Unit 'Layer Farming' means …?

a)

Raising crops in different layers in hilly areas

b)

Raising crops of different heights to capture maximum sunlight

c)

Raising poultry birds for the purpose of eggs

d)

Aggregating various machineries for leasing

95.

For financing to Food & Agro processing units, the minimum internal rating should be........ .

a)

BOB 4 / MSMEBOB 4

b)

BOB 5 / MSMEBOB 5

c)

BOB 6 / MSMEBOB 6

d)

BOB 7 / MSMEBOB 7

96.

The urban and metro branches can also provide credit under BKCC by adopting cluster approach up to distance of ......... km.

a)

5

b)

10

c)

25

d)

30

97.

Which of the following crops are not covered under PMFBY?

a)

Food Crops

b)

Oilseeds

c)

Annual Commercial Crops

d)

Timber Crops

98.

Type of security created in case of financing against warehouse receipts:

a)

Lien

b)

Pledge

c)

Hypothecation

d)

Mortgage

99.

Panchasutras of disciplined SHGs are .....

a)

Regular meetings, Regular savings, Regular internal-loaning, Timely repayment, proper book keeping and maintenance of records

b)

Regular meetings, regular discussions, external borrowings, discipline, mutual help and happiness

c)

Savings first, proper books and record keeping, problem solving, mutual trust, peer pressure

d)

Regular meetings, Regular savings, Regular borrowing, Timely repayment, regular updation of bank passbook

100.

The purpose, rate of interest and other terms and conditions for inter lending by SHG to its members may be decided by the .......... through discussions during the meeting.

a)

Group

b)

Branch Manager

c)

NABARD Officials

d)

NGOs

PPT New C December 2022

Total questions: 100

Worksheet time: 1hrs 15mins

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