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8/10/2019 MCQs (Qns) on Latest Circulars by the Bank
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MCQs based on the recently issued circulars by the Bank (up to March 2013)
1. Which of the following is not a pre-requisite for using IMPS facility by an active M-
Connect Usera. !eneficiary"s account nu#ber
b. !eneficiary !an$"s I%S co&e
c. !eneficiary"s MMI'
&. (ll the above
e. a) b * c woul& be sufficient
+. !an$ has intro&uce& ,web-base& centralise& solution" for cre&it #onitoring for the
following accounts
a. (&vance account with %! * %! e/posure of 0s.1 Cr an& above
b. (&vance account with %! e/posure of 0s.1 Cr an& above
c. (&vance account with %! * %! e/posure of 0s.2 Cr an& above
&. (&vance account with %! e/posure of 0s.2 Cr an& abovee. (&vance account with %! * %! e/posure of 0s.1 Cr an& above
3. (s per revise& targets of Priority Sector classification in MSM4) 56 of total
a&vances un&er #icro * s#all 7#fg8 shoul& go to #icro 7#fg8 having invest#ent in
Plant * Machinery up to 0s.99999 an& #icro 7service8 having invest#ent in
equip#ent up to 0s. 999999
a. 0s.2 lacs * 0s.+ lacs
b. 0s.1 lacs * 0s.5 lacs
c. 0s.+2 lacs * 0s.1 lacs
&. 0s.1 lacs * 0s.2 lacs
e. o such ceiling of 56
5. (s per revise& targets of Priority Sector classification in MSM4) +6 of totala&vances un&er #icro * s#all 7#fg8 shoul& go to #icro 7#fg8 having invest#ent in
Plant * Machinery above 0s.999999 an& up to 0s.99999 an& #icro 7service8 having
invest#ent in equip#ent above 0s.999999 an& up to 0s. 999999
a. (bove 0s.2 lacs) up to 0s.+2 lacs * above 0s.+ lacs) up to 0s.1 lacs
b. (bove 0s.1 lacs) up to 0s.2 lacs * above 0s.+ lacs) up to 0s.+2 lacs
c. (bove 0s.1 lacs) up to 0s.+2 lacs * above 0s.5 lacs) up to 0s.1 lacs
&. (bove 0s.2 lacs) up to 0s.1 lacs * above 0s.+ lacs) up to 0s.2 lacs
e. o such ceiling of +6
2. Which of the following is one of the changes that have ta$en place in !:!0(M
cre&it rating wor$flow
a. Co#pany creation * User I' creation will happen within !:!0(Mb. Status up&ation utility for past assess#ents
c. MIS capabilities vi;. 0ating over&ue report) Search pen&ing cases) case
status report
&. Sub#ission of 0ating to 0:e. (ll the above
8/10/2019 MCQs (Qns) on Latest Circulars by the Bank
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>. Which of the following of our overseas territories has not been i&entifie& for
opening of 04
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12. Pay#ent of ta/es through e-#o&e will earn 0s.99999 per challan.
a. 0s.1+
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++. !an$"s career portal has been bran&e& with the the#e
a. !aro&a b. Dalent c. %irst &. Career e. one of these
+3.What is the #ini#u# a#ount of &eposit for our K!aro&a 'ouble 'ha#a$a %'
Sche#eL
a. 0s.1)
c. 0s.+. lacs
&. o restriction
e. one of the above+2. (s per revise& gui&elines of Intersol Dransfer transactions) where either payee or
&rawer has account with the branch) what are the passing powers of Scale I an& II
:fficers
a. 0s.2). which of the following case is not eligible un&er K!aro&a o#e Boan Group Personal
(cci&ent Insurance PolicyL
a. o#e Boan borrowers sanctione&
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+. Which one of the following is not a revise& feature of K!aro&a !asic Savings !an$
'epositL as in the earlier ,agri$ !achat ?hata"
a. Mini#u# &eposit a#ount #a&e IB fro# the earlier 0s.2
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3A. Cheques presente& for collection to any four #aEor Metro Cities 7 'elhi) Mu#bai)
?ol$atta * Chennai8 an& payable at any other three centre shoul& be collecte&
within a #a/i#u# of a. 3 &ays b. @ &ays c. 1 &ays &. ne/t &ay of presentation e. none
3. Cheques presente& for collection at Metro Centres * State Capitals shoul& be
collecte& within a #a/i#u# of
a. 3 &ays b. @ &ays c. 1 &ays &. 12 &ays e. 15 &ays
5. Cheques presente& for collection at the centres other than Metro * State Capitals
Shoul& be collecte& within a #a/i#u# of
a. 3 &ays b. @ &ays c. 1 &ays &. 15 &ays e. 12 &ays
51. Dhe #a/i#u# perio& for affor&ing cre&it into the account for cheques &rawn onforeign countries -
a. 3 &ays b. +2 wor$ing &ays c. +2 wor$ing &ays or 1 calen&ar #onth
whichever is higher 7subEect to holi&ays in these countries8 &. 3 &ays e/clusive
of holi&ays in these countries e. +1 &ays
5+. Interest payable for &elaye& collection of instru#ents within In&ia) if the &elay
beyon& @
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5>. What is the 0ate of Interest applicable w.e.f. 1.5.13 for the custo#er having a
Senior Citi;en Savings Sche#e 7SCSS) +58 account
a. .+6 b. A.+6 c. A.@6 &. .26 e. A.@26
5@. %ro# the year +11-1+ onwar&s) which of the following is the assess#ent for# of
:fficers in our !an$
a. 4P0% b. 4PMS c. (P(0 &. P(S(S e. :PMS
5A. What are the pre-requisites for availing our !an$"s :nline tra&ing facility 7K!aro&a
4tra&eL8
a. S!
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23. Un&er MSM4) which seg#ents will be classifie& as Priority Sector Ben&inga. Micro 4nterprises
b. S#all 4nterprises
c. Me&iu# 4nterprises
&. 7a8 an& 7b8
e. 7a8) 7b8 an& 7c8
25. Boans to in&ivi&uals up to 0s.9999 in Metropolitan centres with population above 1
lacs an& 0s.9999 at other centres for purchase
8/10/2019 MCQs (Qns) on Latest Circulars by the Bank
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2. (nnual training Cre&it targets have been intro&uce& as per ProEect Sparsh for boththe officers * Cler$s. (ccor&ingly) a full &ay progra##e will be worth 999 cre&its
an& an half &ay progra##e will be worth 999 cre&its.
a. 1 * 2 b. + * 1 c. 2 * 3 &. 1 in all the cases e. none
>. (nnual Draining Cre&its targets for :fficers * Cler$s will be respectively 99999
a. + * 1 b. 3 * + c. 2 * 3 &. 1 * > e. none
>1. Dra&ing Units of non-custo#ers having less than 99999 years establish#ent #ay be
consi&ere& un&er Dra&ers Boan with the prior approval of 0:.
a. 1 year b. + years c. 3 years &. 2 years e. none
Many MCQs can be !ra"ed i! you understand the belo# tables
arious li#its for SM4 70egulatory8 Classification -
Activity MicroEnterprises
Small Enterprises MediumEnterprises
Manufacturing(investment in P& M
Not Exceeding
`25lakhAbove `25lakh upto `5cr
Above `5cr notexceeding `!cr
"ervice (investment
in E#uipments$
Not Exceeding
`!lakh
Above `!lakh up
to `2cr
Above `2cr not
exceeding `5cr
In respect of ew ProEects whether Mfg) Services) Infrastructure etc) Dotal ProEect cost
woul& &eter#ine the classification as un&er
Activity SME Mid Corp. Large Corp.%eal Estate Proects ' 5! r 5!)25! r * 25! r
+ther than %eal Estate Proects ' !! r !!)5!! r * 5!! r
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$&' *+,' -
1. In !aro&a Jeevan Sura$sha S! account) (uto Sweep