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Assessment -1
Q1. We
should keep our savings with banks because.
a. It is safe
b. Earns Interest
c. Can be withdrawn anytime
d. All of above
Q2. Bank
does not give loan against.
a. Gold Ornaments
b. LIC policy
c. Lottery ticket
d. NSC
Q3. Bank
having maximum number of branches in India.
a . Reserve Bank of India
b. State Bank Of India
c. Punjab National Bank
d. Bank of Baroda
Q4. 100/-
Rupee note is signed by.
a. Prime Minister
b. Finance Minister
c. RBI Governor
d. None of above
5. ATM
password should be kept in.
a. Personal diary
b. Office diary
c. Memory
d. All of above
Q6. ATM
password to be shared only with.
a. Spouse
b. Obedient
c. Obedient daughter
d. None of above
Q7.
Nomination can be done in.
a. Savings Bank account
b. Recurring Deposit account
c. Fixed Deposit account
d. All of above
Q8. Who
is the present Governor of RBI ?
a. C. Chakrabarty
b. D K Mittal
c. Raghuram Ranjan
d. Montek Singh
Q9.Minimum
age required to open SB account in the bank.
a. 8year
b. 10 year
c. 12 year
d. None of above
Q10. Bank
does not provide loans for.
a. Croons low
b. Education loans
c. Home loans
d. Drinking & Gambling
Assessment -2 IIBF Final Exam
In English
Q11. KYC
means.
a. Know your customer
b. Know your character
c. Both of about
d. None of above
Q12.
Loans from money lenders are.
a. With High rate of interest
b. No proper accounting
c. No transparency
d. All of above
Q13.ATM
means.
a. Any Time money
b. Auto Truck of Mahindra
c. Any time
d. None of above
Q14.
Timely repayment of loans results.
a. Good reputation
b. No tension
c. Easily availability of loan
in future
d. All of above
Q15.
Defaulter of loan means.
a. Not paying loan instalments
b. Bad reputation
c. Plagal activities
d. None of above
Q16. Life
insurance means.
a. Insurance of human
b. Insurance of life of human
and Cattle
c. Insurance of life of
Machines
d. All of Above
Q17.General
Insurance relates to insurance against.
a. Fire
b. Theft
c. Burglary
d. All of above
Q18.
Aadhar is.
a. 12 digit number card
b. Identity proof issued by
UIDAI
c. Both {a} &{b}
d. None of Above
Q19. E or
S means.
a. East or South zone
b. Easy and Swift
c. Either or Survivor
d. None of Above
Q20.
Which is prohibited for writing on currency notes ?
a. Polytonal message
b. Religious message
c. Personal message
d. All of above
IIBF Final Exam In English
Assessment -3
Q21. PPF
means.
a. Pension Planning Funds
b. Person having Pension
Facilities
c. Public Provident Fund
d. Permanent Practitioner’s
Forum
Q22.
Highest denomination of currency note issued by RBI is.
a. 100/-
b. 500/-
c. 1,000/-
d. Rs.10,000/-
Q23. NRI
means.
a. Non Rural Individuals
b. Non-Rural Immigrants
c. Non-Resident India
d. None of above
Q24. PAN
means.
a. A kind of utensil
b. Primary Account Number
c. None of Above
Q25. Who
is the present Union Finance Minister of India?
a. Shri Arun Jaitley
b. Shri Rajnath Singh
c. Shri Manohar Parrikar
d. Shri Suresh Prabhu
Q26 .Bank provides loans for.
a. Home
b. Car
c. Education
d. All of Above
Q27.
Which currency note has security thread ?
a. 50/-
b. 100/-
c. 500/-
d. All of above
Q28. The
safest place for keeping money.
a. A pit dug in the ground
b. An iron box
c. Bank
d. Money lender
Q29. Gold
and silver ornaments should be kept in bank lockers.
a. It is Safe
b. No risk of theft
c. Both {a} & {b}
d. None of Above
Q30.
Currency notes are issued by.
a. RBI
b. NABARD
c. Public sector banks
d. Central Government
IIBF Final Exam In English
Assessment -4
Q31.
Coins are issued by.
a. Government of India
b. NABARD
c. Police sector banks
d. State Bank of India
Q32. Bank
Pass Book is.
a. Issued by Bank
b. Contains transaction
details of Bank account
c. Shows balance in account
d. All of above
Q33.Banks
pays interest on.
a. Deposits
b. Loans
c. Both {a} & {b}
d. None of above
Q34. Bank
charges interest on.
a. Deposits
b. Loans
c. Both {a} & {b}
d. None of above
Q35.
Education loans.
a. Cover tuition fee &
expenses
b. Are repayable after
completion of course
c. Granted for studies in
India & abroad
d. All of above
Q36.
Business Correspondent means.
a. An agent who provides
banking services
b. An agent of business house
c. A type of money lender
d. None of above
Q37.
Internate banking refers to.
a. Operation of account
through
b. ATM account
c. Both {a} & {b}
d. None of above
Q38.
Nomination once done can.
a. Not be cancelled
b. Be cancelled
c. Not be changed
d. None of above
Q39. Who
can open bank account.
a. Indian citizen
b. Non Resident Indian
c. Literate
d. All of above
Q40. All
time deposit scheme ?
a. 50,000/-
b. Deposits in excess of Rs.1
lac
c. Deposits Rs.50,000/-
d. All transaction above
Assessment -5 IIBF Final Exam
In English
Q41. TDS
means.
a. Time Deposit Scheme
b. Total Deposit Scheme
c. Tax Deducted at Sourced
d. None of above
Q42.
Maximum amount of Cheque.
a. 100 crore
b. No limit
c. 1 crore
d. None of above
Q43. Bank
draft is issued by.
a. Private Sector Banks
b. Regional Rural Banks
c. Public Sector Banks
d. All of Above
Q44. Self
help Group involves.
a. Group of 5 to 20 people
b. Regular saving habits
c. Inter –lending within the
group members
d. All of Above
Q45.
Payment of cheque can be stopped by.
a. Beneficiary
b. Nominee
c. Drawer of Cheque
d. All of Above
Q46.
Account payee cheque can be paid.
a. At cash counter of Bank
b. At ATM
c. By deposit in Bank account
d. one of Above
Q47. In
Recurring Deposits,
a. a fixed sum is deposited
every month
b. period of deposit is a
fixed tenure
c. interest is paid at FDR
rate
d. All of Above
Q48.
While making nomination, signature of nominee is required on.
a. Account Opening Form
b. Nomination Form
c. Affidavit
d. None of Above
Q49.
Interest on Savings Bank Deposits is Paid.
a. Every month
b. Quarterly
c. Half yearly
d. Yearly
Q50.
Mutilated notes.
a. Should be
b. Should be thrown away
c. Should be thrown
d. None of Above
Note:- IIBF Final Exam In
English ये सभी Question & Answer फाइनल exam से मिलते-जुलते है |
Assessment -6 IIBF Final Exam
In English
Q51. ATM
can be used for.
a. Cash withdrawal
b. Account enquiry
c. Statement of account
d. All of Above
Q52. Upon
detection of a counterfeit note at the counter, Bank.
a. Returns the note to the
customer
b. Exchange with a genuine
Note
c. Deposit in account
d. Impound the Note and issue
receipt
Q53.
Fixed Deposit can.
a. Not
be withdraw before maturity
b. Paid only after maturity
c. Withdrawn before maturity
d. All of Above
Q54.
Interest on FDRs is compounded on.
a. Monthly basis
b. Quarterly basis
c. Half yearly basis
d. Yearly basis
Q55.
Contents of locker are.
a. Only known to hirer
b. Known to Bank
c. Both {a} & {b}
d. None of Above
Q56. If
locker rent is not pairs, Bank can.
a. Seal the locker
b. Stop operation of locker
c. Break open the locker after
giving suitable notice
d. All of Above
Q57.
MGNREGS stands for.
a. Mahatma Gandhi National
Rural Employment Generation Scheme
b. Mahatma Gandhi Nutrition
& Rural Employment Generation Scheme
c. Mahatma Gandhi National
Rural Employment Guarantee Scheme
d. None of Above
Q58.
Maximum tenure of Fixed Deposit is.
a. 5 years
b. 7 years
c. 8 years
d. 10 years
Q59. What
is Repay Debit Card.
a. Domestic debit card
b. Introduced by National
payments Corporation of India
c. Accepted at all ATMs &
poSmachine
d. All of Above
Q60. To
whom Overdraft facility of Rs.,000/-in PMJDY Account is available.
a. After 6 months of
satisfactory conduct of account
b. One account per household
c. Customers in age group of
18-60 years
d. All of Above
Assessment -7
Q61. What
is Direct Benefit Transfer ?
a. Cash Discount on goods
b. Remittance through Banks
c. Transfer of social benefits
/subsidies directly in Bank account of beneficiaries
d. None of Above
Q62. What
is meant by Aadhar seeding ?
a. Linking of Aadhar with Bank
account
b. Duplicate issuance of
Aadhar
c. Transfer of Aadhar
d. None of Above
Q63. What
are the benefits attached to PMJDY ?
a. Accident insurance cover of
Rs.1.00 lac
b. Life insurance cover of
Rs.30,000/-
c. Overdraft facility up to
Rs.5,000/-
d. All of Above
Q64. Who
can open an account under PMJDY ?
a. Miner above the age of 10
year
b. Only lady of the house
c. Only head of the family
d. All of Above
Q65. Who
is Bank Metra ?
a. Banking Correspondents
engaged by Banks
b. Valuable customer of bank
c. Security Guard in a branch
d. None of above
Q66. What is the maximum
amount of deposits acceptable in small account?
a. 30,000/-
b. 40,000/-
c. 50,000/-
d. None of Above
Q67. What
kinds of services are available free in ‘Basis Saving Bank Deposit Account’?
a. Receipt / credit of money
through NEFT / RTGS
b. No annual maintenance
charges on ATM- cum –Debit card
c. 4 with drawls in a month
[including ATM withdrawals]
d. All of Above
Q68. What
is the minimum deposit required while opening a BSBD Account?
a. 100/-
b. No minimum deposit required
c. 1,000/-d] Rs.500/-
d. None of Above
Q69. What
is Atal Pension Yojana [APY] ?
a. Provides social security to
the unorganized sector
b. Encourages workers to
voluntarily save for their retirement
c. Fixed pension is paid on
attaining age of 60 years
d. All of Above
Q70. What
is Pradhan Mantri Suraksha Bema Yojana [PMSBY]?
a. Accidental insurance cover
b. Life insurance cover
c. Overdraft up to Rs.5,000/-
d. None of Above
Assessment -8
Q71. What
is Pradhan Mantri Jiwan Jyoti Bema Yojana [PMJJBY]?
a. Get life insurance
cover up to Rs. 2 lakh
b. Accident insurance cover
c. None of Above
Q72.
Which type of Deposit earns higher interest rate ?
a. Current Account
b. Savings Account
c. Fixed Deposits
d. None of Above
Q73.Under
PMSBY, accidental death claim is available for.
a. 1 lac
b. 2 lac
c. 3 lac
d. None of Above
Q74. What
is validity period of cheque?
a. 4 months form date of issue
b. 3 months from date of
issue√
c. 1 month from date of issue
d. Unlimited Ans – b
Q75.
Under PMSBY, partial disability claim is available for.
a. 50,000/-
b. 1 lac
c. 2 lac
d. None of Above Ans – b
Q76. Can
illiterate person be issued Debit card?
a. No
b. Yes
c. Only in cash of join
account
d. Only in cash he is head of
family
Q77.
Under APY, fixed pension can be chosen from.
a. 1,000/- , Rs.2,000/- ,
Rs.3,000/- , Rs.4,000/- , Rs.5,000/-
b. 2,000/- , Rs.3,000/-
c. , Rs.4,000/- , Rs.5,000/-
,Rs.6,000/- ,Rs.500/- ,Rs. Rs.1,000/- , Rs.2,000/- , Rs.3,000/- , Rs.4,000/-
d. None of above Ans – a
Q78. PMJDY LIC Insurance of
Rs.30,000/-is available for first time account opened.
a. On 15th August 2014
b. On 26th January 2015
c. Between 15th August
2014 and 26th January 2015
d. None of above
Q79. Are
not covered under PMJDY Life Insurance Scheme of Rs.30,000/-
a. Employees of Central /State
Govt./Public Sector Undertakings/Banks
b. Income Tax Payee
c. Aam Aadmi Bema Yojana
Beneficiaries
d. All of above
Q80. Who
is Bank Metra ?
a. Banking Correspondents
engaged by Banks
b. Valuable customer of bank
c. Security Guard in a branch
d. None of above
Q1. What
does PMMY Stand for ?
a. Pradhan Mantri Money Yojana
b. Pradhan Mantri Mudra Yojana
c. Primary Money Market Yojana
d. None of Above
Q2. What
is the maximum loan amount available under PMMY? Banks either directly or in
association with MFIs
a. 00 lacs
b. 00 lacs√
c. 00 lacs
d. None of Above
Q3. How
much loan can be availed under “Shishu” Category ?
a. 10,000/-
b. 50,000/-
c. 1,00,000/-
d. None of above
Q4. Loan
of ‘5 lacs is covered under which category ?
a. Shishu
b. Kishor
c. Tarun
d. All of above
Q5. What
is the purpose for which MUDRA loan can be availed for carrying on any activity
related to ?
a. Manufacturing, Processing,
Trading, Services
b. Personal loan
c. Investment in Shares,
commodities in Primary or Secondary Market
d. All of Above
Q6. PMMY
Loan is given for which purpose ? Banks either directly or in association
with MFIs
a. Income Generation Purpose
b. Consumption Purpose
c. Both of above
d. None of above
Q7. What
are the Collateral /securities to be kept with Banks for getting loans for MSE
under PMMY ?
a. Mortgage of movable or
immovable Assets
b. Third Party Guarantee
c. NIL
d. None of Above
Q8. Who
can avail the PMMY loan ?
a. Any Indian Citizen
b. Any firm, body corporate,
company, or any other entity incorporated in India
c. Both [a] & [b]
d. one of above
e. We should keep our savings
with banks because.
Q9. From
Where the PMMY loan can bank availed ?
a. Public Sector Banks,
Private Sector Banks, Foreign Banks, Cooperative Banks, RRBs, NBFCs and MFIs√
b. Directly from MUDRA
c. Both {a} & {b}
d. None of above
Q10. PMMY
Loan can be availed from the bank in which ? Banks either directly or in
association with MFIs
a. The customer has the
banking relation with the bank
b. The customer does not have
the prior banking relationship [saving /current account ]with the bank
c. Both {a} & {b}
d. None of Above
Assessment -1
Q11. What
is the role of MUDRA under PMMY Loans .
a. MUNDRA is a direct lending
institution and lends to small/micro units entrepreneurs directly for PMMY
b. Acts as a Refinance Agency
and refinances to all banks, NBFCs, MFIs for onward lending to customers under
different categories of PMMY loans, as per need of the customer
c. MUDRA is regulator of banks
d. None of above Ans – b
Q12. The
borrowers can avail the credit in a hassle free and flexible manner with the
MUDRA CARD which is a .
a. Debit Card with Sanctioned
limit
b. Credit Card
c. Ordinary Debit Card
d. None of Above
Q13.
MUDRA Card is a debit card on which payment platform ?
a. RuPey
b. Visa
c. Master Card
d. None of above
Q14. What
is the use of MUDRA Card ? And how it can be used ?
a. In drawing cash from ATM or
Business Correspondent
b. Make purchases using Point
of Sale [POS] machine.
c. Both of above
d. None of above
Q15. Who
issue the MUNDRA Card to customer ?
a. Banks either directly or in
association with MFIs
b. MFIs directly
c. MUDRA
d. None of above
Q16. PMMY
loans are applicable to ?
a. All banks all over India√
b. Within the Notified areas /
locations in India
c. All banks all over India
and abroad
d. All of above
Q17 .What
are the interest rates of the PMMY loans extended by banks ,NBFCs ,MFIs
that should fall within the overall RBI Guidelines.
a. Reasonable rates decided by
lending banks, NBFCs, MFIs, that should fall within the overall RBI Guidelines
b. The rates as prescribed by
MUDRA
c. Uniform rates as stipulated
by the RBI
d. None of above
Q18. PMMY
Loans are provided for what Tenure ?
a. 1 year
b. 2 year
c. Depends on cash flows of
the business and decided by the lending Institution
d. All of above
Q19. What
is the grievance redressal mechanism available against bank officials in the
event of non -sanction of loans ?
a. The matter can be escalated
to the next higher office [region / Zone] on the Bank
b. Customer can be register
complaint on Banks Nobel Office PMMY or PMMY Mission office or PMMY Toll Free
c. Both of Above
d. None of above
Q20. What
are the documents that are required to be submitted for availing loans under
MUDRA ?
a. Standard loans Application
Form
b. KYC and other Documents as
may require as per internal guidelines of lending banks /NBFC/MFI
c. Both of above
d. None of above
Assessment -2
Q21. Who
monitors the implementation of PMMY progress at National level?
a. MUDRA/Department of
Financial Services
b. State Level Bankers
Committee [SLBC]
c. Both
d. None of Above
Q22.
Where are the Frequently Asked Question {FAQs} on PMMY Loans available for
information of the Lending Institutions/public ?
a. DFS website
b. PMO website
c. MUDRA website
d. None of above
Q23.
Simple Project profiles for running or setting up of micro/small enterprises is
available.
a. DFS website
b. MUDRA website
c. PMO website
d. None of above
Q24.
MUDRA has been set up by whom ? We should keep our savings with banks
because
a. Government of India
b. RBI
c. SEBI
d. All of above
Q25. The
loans sanctioned by banks/NBFCs/MFIs on or after up to ’10 lacs for small
business income – generating activities are known as PMMY loans.
a. 18-Mar-15
b. 08-Apr-15
c. 20-May-15
d. None of Above
Q26. What
is the amount of overdraft facility sanctioned under PMJDY is classified as
MUDRA loans under PMMY?
a. ‘5,000/
b. ’10,000/-
c. ’12,000/-
d. All of Above
Q27. Who
is eligible to get the MUDRA Loans under PMMY out of following borrowers ?
a. Large Corporates
b. Municipal Corporation
c. Small fruit vendors,
vegetables sellers etc
d. All of Above
Q28.
Total loans sanctioned/disbursed under PMMY is accessible to for information of
the Banks/ NBFCs/ MFIs, General Public at large.
a. DFS website
b. MUDRA Patrol
c. PMO website
d. None of above
Q29. All
PMMY loans will be governed by formulated by MUDRA ,in consultation with DFS,
rating agencies, MFIN and Sa-Dhan and other stakeholders for adoption by all
the lending institutions.
a. MUDRA Loans cade of lending
b. MUDRA Loans Charter
c. PMMY Loan charter
d. None of above Ans -b
Q30.
MUDRA scheme is applicable to which type of MSE businesses under income
Generation purpose.
a. Newly start ups
b. Existing business for
expansion or upgradation
c. Both of Above
d. all of Above
e. Reasonable rates decided by
lending banks, NBFCs, MFIs
31. What
are the interest rates of the PMMY loans extended by banks
Ans- Reasonable rates decided
by lending banks, NBFCs, MFIs