WorksheetsPNB Premium & Elite Savings Fund Schemes
Total questions: 100
Worksheet time: 50mins
What is the minimum Quarterly Average Balance (QAB) required for a general PNB Premium Savings Account?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
Which variant of the Elite scheme requires a QAB of Rs. 15.00 lakh and above?
Executive
Grand
Royal
Premium
What is the TRV (Total Relationship Value) criteria for the Elite Grand variant?
> Rs. 25.00 lakhs
> Rs. 50.00 lakhs to 100.00 lakhs
> Rs. 100.00 lakhs
Rs. 15.00 lakhs
How many free cheque leaves per annum are provided for the Elite Executive variant?
50
100
200
Unlimited
Which Elite variant offers unlimited free cheque leaves?
Premium
Executive
Grand
Royal
What is the minimum QAB for the Elite Executive variant?
Rs. 50,000
Rs. 5.00 lakh to < Rs. 10.00 lakh
Rs. 10.00 lakh
Rs. 15.00 lakh
How many additional free cheque leaves are given per quarter for maintaining a Premium account QAB of Rs. 50,000?
2
5
10
20
What is the maximum instant credit for outstation cheques in the Elite Royal variant?
Rs. 25,000
Rs. 50,000
Rs. 1.00 lakh
Unlimited
Which services are free across ALL Elite variants?
RTGS, NEFT, and IMPS
Stop payment instruction charges
Account statement charges
All of the above
What is the locker rent benefit for the Elite Grand variant?
50% discount by Free small locker only
Free Small/Medium locker
Free Small/Medium/Large locker
Elite Royal customers receive which locker for free, subject to availability?
Small only
Small and Medium only
Small, Medium, and Large
No free lockers
What is the discount on loan documentation charges for the Elite Grand variant?
50%
75%
100%
No discount
Which variant offers a 100% concession on loan processing fees?
Premium
Executive
Grand
Royal
What is the accidental insurance cover provided with the Exclusive PNB RuPay Select Debit Card?
Rs. 2 lakh
Rs. 5 lakh
Rs. 10 lakh
Rs. 50 lakh
How many free domestic airport lounge visits are allowed per quarter with the Elite card?
1
2
4
Unlimited
How many international airport lounge visits are permitted per year for Elite cardholders?
1
2
4
None
Which benefit is provided once a year for Elite customers through partners like O2 Spa or Kairali?
Free hair cut
Complimentary Spa session
Free gym membership
Discounted airfare
How often can an Elite customer avail of a complimentary health check-up?
Once a year
Once a quarter
Once every two years
Only upon account opening
What happens to freebies if an Elite customer fails to maintain the desired QAB?
The account is closed
Freebies are withdrawn and the customer is informed via SMS
A flat fine of Rs. 5,000 is charged
Nothing happens for the first year
Which Elite variant has a TRV requirement of > Rs. 100.00 lakhs?
Executive
Grand
Royal
Premium
The PNB Pratham Account was merged into which Elite variant?
Premium
Executive
Grand
Royal
What is the issuance charge for the World Travel Card for Elite customers?
Rs. 500
Rs. 1,000
Nil
50% discount
What is the AMC for a Demat account under the Elite scheme?
Free
Rs. 400
50% concession
Rs. 1,000
What is the maximum amount for free collection of outstation cheques per quarter in a Premium account?
Rs. 25,000
Rs. 50,000
Rs. 1.00 lakh
Unlimited
What is the concession on locker rent for the first year for a Premium variant (Small locker)?
25%
50%
75%
100%
Which debit card is issued to Premium variant customers maintaining a QAB of Rs. 50,000?
Rupay Classic
Platinum Debit Card
Rupay Select
Visa Signature
What is the maximum accidental insurance cover on the Platinum card issued to Premium customers?
Rs. 1 lakh
Rs. 2 lakh
Rs. 5 lakh
Rs. 10 lakh
How many add-on cards are provided free with the Platinum Debit Card in the Premium scheme?
1
2
3
None
What is the instant credit limit for outstation cheques for Premium customers after satisfactory operation for 2 quarters?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
Elite Royal variant provides free issuance of drafts up to what amount per quarter?
Rs. 1.50 lakh
Rs. 5.00 lakh
Rs. 10.00 lakh
Unlimited
Which Elite variant offers free issuance of drafts up to Rs. 2.00 lakh per quarter?
Premium
Executive
Grand
Royal
Can a new account for a "non-individual" be opened under the Elite Premium variant?
Yes
No, no new account of non-individual shall be opened
Only for Trusts
Only for Clubs
What is the TRV requirement for the Elite Executive variant?
Rs. 10.00 lakhs
Rs. 25.00 lakhs up to 50.00 lakhs
Rs. 50.00 lakhs
Rs. 100.00 lakhs
What is the QAB for Elite Grand?
Rs. 5.00 lakh to
Rs. 10.00 lakh to
Rs. 15.00 lakh
Rs. 25.00 lakh+
The "Our Best Customer Scheme" was merged into which Elite variant?
Premium
Executive
Grand
Royal
Are stop payment instruction charges levied for Elite Royal customers?
Yes
No, they are free
Free only for the first two per month
Only if the cheque amount is < Rs. 10,000
What is the daily cash withdrawal limit for the Elite RuPay Select card?
Rs. 50,000
Rs. 1,00,000
Rs. 2,00,000
Not specified in source (but PAI is Rs. 10 lakh)
Elite Grand variant offers free issuance of drafts up to what amount per quarter?
Rs. 2.00 lakh
Rs. 5.00 lakh
Rs. 10.00 lakh
Rs. 1.50 lakh
Is the SMS Alert service free for Elite customers?
Yes
No
Free only for Royal
Free for the first year
Which variant includes the "Saving Account for Premium Customers" scheme?
Premium
Executive
Grand
Royal
Who is eligible to open a PNB Women Power Saving account?
Any resident individual
Only women
Women and their minor children jointly
Any individual with a female co-applicant
What is the minimum QAB for a Women Power account in a Metropolitan area?
Rs. 500
Rs. 1,000
Rs. 2,000
Rs. 5,000
What is the QAB for a Women Power account in a Rural area?
Rs. 500
Rs. 1,000
Rs. 2,000
Zero
How many free cheque leaves are provided annually to Women Power account holders?
20
25
50
100
What is the locker rent discount for a Women Power account (first year, small locker)?
25%
50%
75%
100%
What is the discount on De-mat Account fees for women under this scheme?
10%
25%
50%
100%
What is the daily ATM withdrawal limit on a RuPay Classic Debit Card for women?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
What is the daily ATM withdrawal limit on a RuPay Platinum Debit Card for women?
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
Rs. 2,00,000
What is the daily POS shopping limit for a RuPay Platinum Debit Card holder in this scheme?
Rs. 50,000
Rs. 1,00,000
Rs. 3,00,000
Rs. 5,00,000
How many free Demand Drafts can be issued per month?
One up to Rs. 1,00,000
Two up to Rs. 50,000
Unlimited
None
Can a woman get a credit card under this scheme?
Yes, against a Fixed Deposit or based on eligibility
No
Only if she is a salaried employee
Only if she maintains a QAB of Rs. 1 lakh
What are the joining and annual fees for a credit card taken against a Fixed Deposit?
Rs. 500
Nil
50% discount
Based on the FD amount
What is the discount on processing charges for Housing, Car, and Personal Loans for women?
50%
75%
100%
25%
What is the maximum instant credit for outstation cheques for women?
Rs. 10,000
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
Are NEFT and RTGS charges applicable for this account?
Yes
No, they are free
Free only for the first five transactions
Free only for Rural women
What is the accidental death insurance cover on the RuPay Platinum card for women?
Rs. 1 lakh
Rs. 2 lakh
Rs. 3 lakh
Rs. 5 lakh
What QAB must be maintained to qualify for the Rs. 3.00 lakh PAI cover?
Rs. 10,000
Rs. 25,000 and above
Rs. 50,000
Rs. 1,00,000
For the Rs. 3 lakh PAI, when is the QAB checked if the customer dies on 31st Dec 2022?
Oct to Dec 2022
July to Sept 2022 (Previous calendar quarter)
Entire year 2022
Last 30 days
What is the tenor for the sweep facility in the Women Power scheme?
07 days to 1 year
46 days to 179 days
1 year to 3 years
7 days to 45 days
What is the sweep withdrawal logic for this scheme?
FIFO
LIFO (Last In First Out)
Interest-based
Random
Are there issuance charges for a RuPay Platinum or Classic card for women?
Rs. 250
Nil
Free only for Platinum
Free only for Classic
Is the SMS Alert service free for Women Power account holders?
Yes
No
Only for the first year
Only for Urban areas
What is the recharge fee for a World Travel Card under this scheme?
Rs. 100
Nil
1% of the amount
Rs. 500
Can a woman open this account jointly with her husband?
Yes
Not specified as eligible (Eligibility says "Women are eligible")
Only if she is the primary holder
Only in Urban areas
Are cash deposit charges applicable to this account?
Yes
No, they are free
Free up to Rs. 10,000
Only at home branch
What is the daily POS limit on a RuPay Classic card for women?
Rs. 25,000
Rs. 50,000
Rs. 1,00,000
Rs. 10,000
Stop payment instruction charges are:
Rs. 100 per cheque
Free
Free for the first 3
Applicable as per general guidelines
The PAI of Rs. 2 lakh is provided by which entity?
PNB directly
NPCI (as per their guidelines)
A private insurance company
Government of India
Is the initial deposit for Women Power accounts the same as Unnati accounts?
Yes (500/1000/2000)
No, it is zero
It is Rs. 10,000 flat
Rs. 5,000 flat
Issuance of account statements is:
Free
Rs. 100 per page
Free once a year
Free for the first 10 pages
Who is eligible for a PNB Samman account?
All senior citizens
Pensioners and prospective pensioners (including bank retirees)
Only retired government employees
Only PNB staff retirees
What is the minimum QAB for a Samman account?
Zero
Rs. 500
Rs. 1,000
Rs. 5,000
A Samman account can be held jointly only with whom?
Anyone
Spouse
Son or Daughter
Another pensioner
How many free cheque leaves are provided annually to Samman account holders?
20
25
50
Unlimited
Which of the following services are free for Samman accounts?
NEFT charges
SMS alert charges
Collection of pension cheques
All of the above
How many free Demand Drafts can be issued per month in a Samman account?
One up to Rs. 25,000
Two up to Rs. 10,000
Unlimited
None
What is the maximum overdraft (OD) limit for a Samman account?
Rs. 50,000
Rs. 1,00,000 or 4 times monthly net pension (whichever is lower)
Rs. 2,00,000
6 times monthly pension
What is the maximum age for a pensioner at the time of OD sanction?
60 years
65 years
70 years
75 years
How often must a Samman account come into credit to maintain the OD facility?
Every month
Every quarter
Once in twelve months
Never
Who is EXCLUDED from the Samman OD facility?
Bank retirees
Retired teachers
Pensioners who have already availed a loan against pension under the personal loan scheme
Pensioners above 65 years
Within what period must a prospective pensioner start receiving pension in the account?
1 month
3 months
6 months
1 year
What must a prospective pensioner provide to open a Samman account?
Only a self-declaration
Documentary proof of prospective pension to the satisfaction of the branch
A security deposit of Rs. 10,000
A guarantee from a serving employee
Is there a charge for non-maintenance of QAB in a Samman account?
Rs. 100
Rs. 500
Zero (No charge)
As per location (Rural/Urban)
Are bank retirees eligible for the Samman account?
Yes, if they have given a mandate for pension credit
No, they have a separate staff scheme
Only if they retired as officers
Only if they are above 70
Is the nomination facility allowed for Samman accounts?
Yes
No
Only for the spouse
Only for major children
What is the initial deposit for Samman?
Zero
Rs. 500
Rs. 1,000
Rs. 2,000
The Samman account OD is calculated based on pension credit for how many previous months?
1 month
2 months (Net of arrears)
6 months
12 months
Is collection of pension cheques free for Samman holders?
Yes
No
Free up to Rs. 50,000
Free only for PNB retirees
The Samman scheme is specifically categorized as:
Saving Fund General
Pension Saving Account
Elite Saving Fund
Prudent Sweep
If a Samman holder dies, can the spouse continue the account?
No
Yes, if it was a joint account (as eligibility is pensioner and spouse)
Only as a new account
Only if the balance is zero
What does "CDD" stand for in banking?
Cash Deposit Data
Customer Due Diligence
Certified Digital Document
Current Deposit Division
Which document is considered proof of financial status for a salaried customer?
Form-16
Shop and Establishment Act license
Registration certificate
Self-declaration
Who can submit a self-declaration for financial status?
Salaried employees
Professional practitioners
Housewife, student, minor, or labour in un-organized sector
All customers
Which menu option is used for "Verification of Saving Account"?
HOAACSB
HOAACVSB
HACM
BOCUSTCO
Which menu option is used for "Account Ledger Inquiry"?
HACLI/HACLINQ
PCASHDEP
HTM
HUCS
Which menu is used to "Stop Payment of Cheque"?
HSPPAU
HSPP
HUCS
HCAAC
What is the menu for "Issuance of Personalized Cheque Book"?
HICHB
CBSCHQBK
HCHBM
CHBD
Which menu resets the passbook print?
HPBP
HPBPR
HTM
HACM
Which document is obtained from a professional practitioner like a Doctor?
Salary slip
Licence/certificate of practice issued by a professional body
Form-16
Self-declaration
The bank shall ensure that no account is opened in which of the following names?
Minors
Illiterate persons
Anonymous or fictitious / benami names
Trusts
