Home
MCQS
BANK MCQ Quiz Hub
Bank Mcq Question Set 13
Choose a topic to test your knowledge and improve your BANK skills
1. The commercial paper can be issued by _____?
IDBI
Corporates
Reserve Bank of India
Every non-banking company
2. The Stock Exchange Board of India was set up by a Special Act in ____?
1975
1983
1988
1991
3. Demand deposits mean _____?
Short deposits
Fixed deposits
Current deposits
Deposits withdraw-able on demand by the depositor
4. Time deposits means _____?
Time deposits include overdue fixed deposits
Time deposits do not include recurring deposits as well
The deposits which are lent to bank for a fixed period
Time deposits do not include deposits under Home Loan Account Scheme
5. Fixed deposits are for the bank ____?
Fixed asset
Time liability
Demand liability
All of the above
6. Which of the following acts as Regulators for Credit rating agencies in India?
RBI
SEBI
NSDL
SIDBI
7. The banker has a lien on _____?
Bonds given for safe custody
Bonds given for collection
Both (a) and (b)
Bonds left by mistake
8. Gilt-edged securities market is the market for government and semi-government securities. These securities carry
Fixed interest rate
Floating interest rate
Fixed as well as floating interest rate
No interest rate at all
9. Expand AEPS in terms of banking.
Aadhaar-enabled Payment Service
Aadhaar-enabled promotion scheme
Aadhaar-enabled Payment system
Automated engineered payment service
10. Who provides refinance facilities to RRBs?
RBI
SIDBI
NABARD
Government of India
11. �Expand DRI related to a scheme meant for weaker section of our country.
Different rate of interest
Differential rate of interest
Different ration for IndiAns
Different rate of interest-bond
12. Who works as RBI�s agent at places where it has no office of its own?
Ministry of Finance
Government of India
State Bank of India
International Monetary Fund
13. India is a member of the International Monetary Fund (IMF) since _____.
1934
1947
1949
1952
14. When the rate of inflation increases?
Value of money increases
Purchasing power of money increases
Purchasing power of money decreases
Purchasing power of money remains unaffected
15. �In which city the Bank of International Settlements (BIS) located?
Paris
Basel
Davos
New York
16. Banking sector comes under which sector?
Realty sector
Industrial sector
Services sector
Manufacturing sector
17. What is MZM in money market?
Money with highest return
Money with zero maturity
Monetary base or total currency
Money with sovereign guarantee
18. Where is National Institute of Bank Management (NIBM) located?
Pune
Nasik
Mumbai
New Delhi
19. CRR is required to maintain in the form of _____?
Cash with RBI
Cash with bank
Approved Government Securities
All the above
20. Which of the following methods is currently used in India to issue note?
Fixed Fiduciary System
Minimum Reserve System
Percentage Reserve System
Proportional Reserve System
21. Nationalization of banks took place in India in how many phases?
1
2
3
4
22. Nationalization of banks took place in India in how many phases?
Bank of Baroda
State Bank of India
Punjab National Bank
Central Bank of India
23. Which among the following statement is incorrect about SEBI?
Mutual fund regulator
Capital market regulator
Regulates the credit rating agencies in India
None of these
24. Which among the following was the first bank to open a branch on foreign soil?
Bank of India
Allahabad Bank
Bank of Punjab
State Bank of India
25. What was the initial share capital of Reserve Bank of India?
Rs. 5 Crore
Rs. 15 Crore
Rs. 25 Crore
Rs. 35 Crore
26. The Royal Commission on Indian Currency and Finance was also known as __:
Buttler Commission
Hartog Commission
Muddiman Committee
Hilton-Young Commission
27. Original headquarters of RBI were located at ___?
Madras
Bombay
Calcutta
New Delhi
28. In which year, Paper Currency Act was enacted by British Government of India?
1860
1861
1862
1863
29. On which date, RBI started working?
1 JANUARY,1934
31 MARCH,1934
1 JANUARY,1935
1 APRIL,1935
30. In which year, Indian Rupee was devalued for the first time?
1965
1966
1967
1968
31. �Banks are required to preserve the old records. The rules regarding preservation are framed by Central Govt., as per provisions of which of the following Act?
RBI Act
Limitation Act
Banking Regulation Act
Negotiable Instrument Act 1881
32. Under Section 5(a) of the Banking Regulation Act 1949, approved securities denote -
The securities approved by IDBI
Securities approved by Indian Banks Association
Securities defined under section 20 of the Indian Trusts Act 1882
None of these
33. �On the basis of powers drawn mainly in which of the following Acts, RBI regulates and controls the banks in India?
RBI Act Section 2(2)
Negotiable Instruments Act Section 1
Banking Regulation Act Section 17
Banking Regulation Act Section 5(b)
34. Banks have prohibited to staple bank notes by RBI by issuing strict directives for implementation. Under which of the following, these directives have been issued?
Section 35 A of Indian Currency Act
Section 35 A of Negotiable Instrument Act
Section 35 of Reserve Bank of India Act
Section 35 A of Banking Regulation Act
35. All banking company are to prepare balance sheet and profit & loss account as on Mar 31 every year is prescribed in -
Companies Act 1956
Banking Regulations Act
2nd schedule of RBI Act 1934
None of the above
36. The annual return of unclaimed deposits u/s 26 of Banking Regulation Act should be submitted to RBI within the following days after close of the calendar year -
10 days
20 days
30 days
40 days
37. A cheque is defined u/s ____ of NI Act .
6
9
10
13(a)
38. Legal amount in a cheque stands for
amount in figures
amount in words
amount written as not over
amount in words in figures, whichever is higher
39. The network for common data communication for banks and FIs launched by RBI ?
SWIFT
INFINET
INTERNET
BANKNET
40. Which of the following is the instrument of payment called Plastic Money?
debit card
plastic card
identity card
banker's cheque
41. The term EFT means
electrical funds transfers
electronic funds transfers
electronic foreign transfers
electronic financial transfers
42. INFINET stands for
Indian Financial network
Indoor Financial network
Internet Financial network
International Financial network
43. What is the minimum value of stock of gold coins, bullion and foreign securities, which RBI has to maintain at any point of time?
Rs. 100 cr
Rs. 115 cr
Rs. 200 cr
Rs. 325 cr
44. Who conducts integrated supervision over commercial banks, FIs and NBFCs and other para-banking financial institutions, in India ?
FCMD of RBI
Security Exchange Board of India
Dept. Of Banking Operations, RBI
Ministry of Finance, Govt. of India
45. Banks disclose the information about their borrowers to RBI under Provisions of -
Directives of RBI
Section 45-C, RBI Act
Directions of Finance Ministry
Section 45 of Banking Regulation Act
46. What is the highest denomination bank note that RBI can issue as per provisions of RBI Act?
Rs. 1000
Rs. 5000
Rs. 10000
Rs. 13000
47. What is meant by Scheduled Bank?
A bank included in 2nd schedule of RBI Act
The bank incorporated under Banking Companies Act 1956
The bank functioning under provisions of Banking Reg. Act 1949
Bank issued a license by RBI mentioning therein that it is a scheduled bank
48. A draft issued by the bank has been lost by the payee. He sends a letter to the issuing bank to stop payment. Bank will:
stop payment
not act on the request
note caution and will advise the payee to contact purchaser of the draft
none of the above
49. Across the face of a cheque bears the words Peoples Bank. What is its significance :
the cheque is specially crossed in favour of Peoples Bank
it is not a crossing as it does not contain two parallel lines
it is an extraneous matter appearing on the cheque. Hence should be returned
none of the above
50. BCSBI stands for:
credit and debit cards
recovery of bad loans
cash collection from the parties
opening and closing of accounts
Submit