WorksheetsPNB Unnati Account Worksheet
Total questions: 100
Worksheet time: 50mins
Who is eligible to open a PNB Unnati account?
Only resident individuals
Associations and Trusts
HUFs, Clubs, and Societies
All of the above
What is the minimum Quarterly Average Balance (QAB) for an Unnati account in a Rural area?
Rs. 500
Rs. 1,000
Rs. 2,000
Zero
What is the minimum QAB for Unnati accounts in Semi-Urban areas?
Rs. 500
Rs. 1,000
Rs. 2,000
Rs. 5,000
What is the minimum QAB for Unnati accounts in Urban or Metropolitan areas?
Rs. 500
Rs. 1,000
Rs. 2,000
Rs. 2,500
Is the Nomination Facility available for Unnati accounts?
Yes, it is allowed
No
Only for joint accounts
Only for HUFs
How many debit entries are allowed free of charge in a half-year?
25
30
40
50
Which of the following are EXCLUDED from the 40-debit entry limit per half-year?
IBS and ATM debits
Standing Instruction (SI) debits
Debits of charges
All of the above
What is the maximum daily limit for Inter-sol 3rd party cash payments?
Rs. 50,000
Rs. 1,00,000
Rs. 5,00,000
Rs. 10,00,000
What is the maximum daily limit for Inter-sol Transfer Transactions?
Rs. 50,000
Rs. 1,00,000
Rs. 2,00,000
Rs. 5,00,000
What is the limit for Inter-sol cash payments to the account holder themselves?
Rs. 1,00,000
Rs. 2,00,000
Rs. 5,00,000
Unlimited
How many free personalised multicity cheque leaves are provided annually?
10
25
50
100
Which digital transaction type carries no charges if initiated via i-Bank?
Only NEFT
Only RTGS
Both NEFT and RTGS
IMPS
Is Internet Banking free for Unnati account holders?
Yes
No
Only for the first year
Only for Metropolitan areas
What is the policy regarding ATM Cum Debit card maintenance?
It is free for life
Annual maintenance charges are to be levied
Free if QAB is Rs. 10,000
Free for the first two years
Can Unnati account holders book Safe Deposit Lockers online?
Yes, the facility is available
No, only at the branch
Only for Elite customers
Only in Urban branches
Are Standing Instructions (SI) accepted in Unnati accounts?
Yes
No
Only for loan repayments
Only for utility bills
What happens if a customer exceeds 40 debit entries in a half-year?
Account is frozen
Charges become applicable
ATM card is blocked
Interest is not credited
Which of the following can open an Unnati account?
Individual singly
Individual jointly
Institutions
All of the above
What is the initial deposit requirement for an Unnati account in a Metropolitan area?
Rs. 500
Rs. 1,000
Rs. 2,000
Rs. 5,000
Is the Unnati account considered "Saving Fund General"?
Yes
No
Only in rural areas
It is a salary account
Who is eligible for the Prudent Sweep scheme for individuals?
Only non-staff individuals
Individuals and Staff members
Only Institutions
Only NRI customers
What is the minimum QAB required for this scheme?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
What are the charges for not maintaining the QAB in Prudent Sweep (Individuals)?
Rs. 100 per quarter
Rs. 200 per quarter
Rs. 400 per quarter
Rs. 500 per quarter
What is the minimum Sweep-out and Sweep-in amount?
Rs. 5,000
Rs. 10,000
Rs. 1,000
Rs. 25,000
In what multiples is the sweep process conducted?
Rs. 1,000
Rs. 5,000
Rs. 10,000
Rs. 25,000
What is the threshold balance required to trigger a Sweep-out?
Rs. 25,000
Rs. 50,000
Rs. 75,000
Rs. 1,00,000
What is the minimum period for a Flexi Fixed Deposit (FFD) under this scheme?
7 days
15 days
46 days
180 days
What is the maximum period for an FFD in this individual scheme?
90 days
179 days
365 days
3 years
On what basis is a "Sweep In" (withdrawal from FFD) allowed?
First In First Out (FIFO)
Last In First Out (LIFO)
Random selection
Pro-rata basis
Is an Overdraft (OD) facility allowed against the Flexi Fixed Deposit?
Yes, up to 90%
Yes, for staff only
No loan/OD is allowed against FFD
Only for medical emergencies
What is the monthly limit for free collection of outstation cheques?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
What digital services are free under this scheme?
Retail Internet Banking
SMS facility
RTGS/NEFT at 50% concession
All of the above
What is the concession on Annual Maintenance Charges (AMC) for De-mat services?
50% for the first year only
100% for the first year
25% for life
No concession
Are cheque books free under the Prudent Sweep (Individual) scheme?
Yes
No
Only the first book
Only for staff
Is the ATM card facility free?
Completely free for life
Free, but annual maintenance charges are recovered
Free only for the first year
Only for Metropolitan customers
In the context of FFD, what does the source define as the "threshold"?
The maximum balance allowed
The minimum balance in account for FFD
The amount of interest earned
The minimum deposit to open the account
What happens if the SF account balance falls below Rs. 50,000?
FFD is automatically closed
Sweep-in is triggered from FFD in multiples of Rs. 5,000
Account is downgraded
Penalty of Rs. 400 is charged immediately
Can staff members open this account?
Yes
No
Only if they are retirees
Only for joint accounts with family
What is the initial deposit to open this account?
Rs. 1,000
Rs. 10,000
Rs. 25,000
Rs. 50,000
Is the Nomination Facility allowed for this scheme?
Yes
No
Only for the FFD portion
Only for senior citizens
What are the three variants of the Institutional Sweep scheme?
Bronze, Silver, Gold
Standard, Classic, Advantage
Basic, Pro, Elite
Local, Regional, National
What is the minimum QAB for the "Standard" institutional variant?
Rs. 1.00 Lakh
Rs. 5.00 Lakh
Rs. 10.00 Lakh
Rs. 25.00 Lakh
What is the minimum QAB for the "Classic" institutional variant?
Rs. 1.00 Lakh
Rs. 5.00 Lakh
Rs. 10.00 Lakh
Rs. 15.00 Lakh
What is the minimum QAB for the "Advantage" institutional variant?
Rs. 1.00 Lakh
Rs. 5.00 Lakh
Rs. 10.00 Lakh
Rs. 25.00 Lakh
What is the quarterly charge for non-maintenance of QAB in the "Advantage" variant?
Rs. 400
Rs. 1,000
Rs. 1,500
Rs. 2,000
What is the quarterly charge for non-maintenance of QAB in the "Classic" variant?
Rs. 400
Rs. 1,000
Rs. 1,500
Rs. 5,000
What is the minimum balance for Sweep-in/Sweep-out in the "Classic" variant?
Rs. 5.00 Lakh
Rs. 8.00 Lakh
Rs. 10.00 Lakh
Rs. 1.00 Lakh
In what multiples is the Sweep-in/Sweep-out processed for all institutional variants?
Rs. 1.00 Lakh
Rs. 5,000
Rs. 10,000
Rs. 5.00 Lakh
What is the frequency of the sweep process?
Daily
Every Tuesday (or next working day if holiday)
Every Friday
Monthly
What is the FFD period for the "Standard" institutional variant?
7 days to 90 days
46 days to 180 days
46 days to 1 year
1 year to 3 years
What is the FFD period for the "Advantage" institutional variant?
7 to 90 days
46 to 180 days
46 days to 1 year
1 to 5 years
What is the daily concession in Cash Deposit Charges for the "Advantage" variant?
Rs. 1.00 Lakh
Rs. 2.00 Lakh
Rs. 3.00 Lakh
Unlimited
How many free drafts can the "Advantage" variant issue per calendar month?
Two
Five
Ten (max Rs. 1.00 Lakh each)
Unlimited
How many free drafts can the "Standard" variant issue per calendar month?
Two (max Rs. 25,000 each)
Five
Ten
One
How many free drafts can the "Classic" variant issue per calendar month?
Two
Five (max Rs. 50,000 each)
Ten
Three
Are RTGS/NEFT charges applicable for institutional sweep accounts?
Yes
No, they are free
Only for Standard
50% concession
What is the withdrawal logic from FFD for institutions?
FIFO
LIFO (Last In First Out)
Highest balance first
Pro-rata
Are NACH charges applicable?
Yes
No NACH charges
Only for Classic
Free up to Rs. 10,000
What is the minimum balance for Sweep-in/out in the "Standard" variant?
Rs. 1.00 Lakh
Rs. 5.00 Lakh
Rs. 10.00 Lakh
Rs. 25,000
Is a loan facility allowed against Institutional FFD?
Yes
No loan/OD against FFD
Only for the Advantage variant
Only up to 50% of the value
PNB Junior SF Account for Minors From what age can a minor operate the account independently?
Any age
Above 8 years
Above 10 years
Above 12 years
What is the minimum balance requirement for a Junior account?
ZERO
Rs. 500
Rs. 1,000
Rs. 2,000
How many free cheque leaves are provided annually?
10
25
50 (to the Guardian)
100
Are NEFT charges applicable for Junior accounts?
Always free
Free up to Rs. 10,000 per day
Free only for Metro areas
No free NEFT
For what purpose are Demand Drafts (DD) issued free?
Any personal use
School/College fee
Online shopping
Only for travel
What is the daily maximum debit limit for a minor's RuPay card?
Rs. 1,000
Rs. 2,500
Rs. 5,000
Rs. 10,000
What is the restriction on Internet and Mobile Banking for minors?
No access allowed
Full transaction access
Only view facility allowed
Access only after age 15
Are Intersol transactions (cash/deposit) free for Junior accounts?
Yes, they are free
No, charges apply
Free only at the home branch
Free up to Rs. 1,000
When are the freebies withdrawn from a Junior account?
After 5 years
After attaining the age of 18 years
If the balance falls below Rs. 500
Never
What is the rule regarding the "Inoperative Category" for Junior accounts w.e.f. 10.02.2015?
Transferred after 12 months of inactivity
Transferred after 24 months of inactivity
Not transferred to inoperative category even after 24 months of inactivity
Automatically closed after 24 months
Who can open a Junior account for a child under 10 years old?
Natural or legally appointed guardian
Any relative
The minor themselves
Only a school principal
Is the Overdraft (OD) facility allowed for minors?
Yes
Not allowed
Only for education
Only up to Rs. 5,000
Is nomination allowed for Junior accounts?
Yes
No
Only for minors above 10
Only if the guardian is a staff member
What type of ATM card is issued to minors?
Visa Platinum
Master Card
RuPay
No card is issued
What proof is required for a 10-year-old to operate the account independently?
School ID only
Satisfactory proof of age
Guardian's consent only
No proof needed
Are cash deposits at non-home branches free for Junior accounts?
Yes, as part of intersol transactions
No
Free up to Rs. 5,000
Only for staff children
Can a minor use Mobile Banking?
Yes, but only for viewing
No
Yes, for transactions up to Rs. 1,000
Only after age 15
Can a Junior account have a zero balance without penalty?
Yes
No
Only for the first year
Only in rural areas
What is the primary variant name for minor accounts?
PNB Junior SF Account
PNB Kids Savings
PNB Minor Sweep
PNB Future Star
Can the 50 free cheque leaves be used by the minor?
Yes
They are provided to the Guardian
Only for school fees
Only after the minor turns 18
What are the five variants of the PNB Salary account?
1, 2, 3, 4, 5
Silver 25, Gold 50, Premium 100, Platinum 200, Titanium
Bronze, Silver, Gold, Platinum, Diamond
Starter, Standard, Classic, Elite, Royal
Which variant is for a monthly gross salary of Rs. 10,000 to Rs. 25,000?
Silver 25
Gold 50
Premium 100
Platinum 200
Which variant is for a monthly gross salary of Rs. 25,001 to Rs. 50,000?
Silver 25
Gold 50
Premium 100
Platinum 200
Which variant is for a monthly gross salary of Rs. 50,001 to Rs. 1,00,000?
Silver 25
Gold 50
Premium 100
Platinum 200
Which variant is for a monthly gross salary of Rs. 1,00,001 to Rs. 2,00,000?
Premium 100
Platinum 200
Titanium
Gold 50
Which variant is for a monthly gross salary of above Rs. 2,00,001?
Platinum 200
Titanium
Elite
Premium 100
What is the minimum balance requirement for Salary accounts?
ZERO
Rs. 1,000
Rs. 10,000
Rs. 25,000
What is the threshold for the sweep-out facility in a Salary account?
Rs. 10,000
Rs. 20,000
Rs. 25,000
Rs. 50,000
In what multiples is the sweep-out allowed?
Rs. 1,000
Rs. 5,000
Rs. 10,000
Rs. 500
What is the default FFD period for the Salary sweep facility?
7 days
180 days
365 days
46 days
What happens if salary is not credited for three consecutive months?
Account is closed
Transferred to Saving Fund General and freebies withdrawn
Penalty of Rs. 500 charged
ATM card is deactivated
What is the Personal Accidental Insurance (PAI) cover for the Titanium variant?
Rs. 30 Lakh
Rs. 40 Lakh
Rs. 45 Lakh
Rs. 50 Lakh
What is the PAI cover for the Silver 25 variant?
Rs. 30 Lakh
Rs. 40 Lakh
Rs. 45 Lakh
Rs. 50 Lakh
How many free cheque leaves per annum are provided for the Premium 100 variant?
40
50
100
Unlimited
Which variants offer unlimited free cheque leaves?
Gold 50
Premium 100
Platinum 200 and Titanium
Only Titanium
How many free Demand Drafts (DD) are provided quarterly for the Silver 25 variant?
2 (max amount Rs. 25,000)
4
Unlimited
None
Which Salary variant offers a lifetime free RuPay Select Debit Card?
Gold 50
Premium 100
Platinum 200 and Titanium
All variants
What is the credit card limit for the Titanium variant?
1.5 times monthly salary
2 times monthly gross salary (max Rs. 5 Lakh)
Equal to monthly salary
Rs. 10 Lakh
What is the eligibility age for a credit card under the Salary scheme?
18 to 65 years
21 to 60 years
18 to 60 years
25 to 65 years
What is the discount on first-year locker rent for the Gold 50 variant?
25%
50% (small locker)
75%
100%
