PROMOTION MATERIAL-2016 Question Bagbankubeutn.in/downloads/SS 2 clerk 2016.pdfCORE BANKING SOLUTION ( FINACLE) 12. GENERAL LEDGER MODULE- Types Of Account Maintained, Office Account,

Compiled by: S K SHUKLA, STAFF COLLGE, BENGALURU Page 1

PROMOTION MATERIAL-2016

Question Bag (Sub staff to Clerk)

WISHING YOU ALL THE BEST

Shiva Kumar Shukla Chief Manager (Faculty)

Cell no.08904045783 STAFF COLLEGE BANGALORE

Disclaimer: This is purely a voluntary effort for dissemination of knowledge and enabling people to prepare for promotion test. Best efforts have been put to provide the accurate and updated information. However, the users are requested to refer relevant circulars and policies of our Bank & RBI for further clarity .


S.N. CONTENTS

[A] ELEMENTARY BANKING KNOWLEDGE

1 Maintenance Of Books And Registers

2 Cash Receipts & Payments

3 Maintenance Of Deposit Accounts

4 Loans & Advances

5 Interest Rates On Deposits & Advances

6 Remittances, bills, collection of cheques etc.

7 Miscellaneous Important Questions

[B]COMPUTER LITERACY

[A] I.T.AWARENESS- IT SECURITY

8 COMPUTER HARDWARE-MONITER, KEY BOARD, CPU.PRINTER, HARDDISK,COMPACT DISK.ETC

9 INTRODUCTION TO M.S.OFFICE& RAM,ROM

10 INTRODUCTION TO TECHNOLOGY DRIVEN PRODUCTS LAUNCHED BY OUR BANK VIZ.DEBIT CARD, CREDIT CARD

11 ALTERNATIVE DELIVERY CHANNEL-INTERNET BANKING,SMS BANKING,ATM,MOBILE BANKING

CORE BANKING SOLUTION ( FINACLE)

12. GENERAL LEDGER MODULE- Types Of Account Maintained, Office Account, Impersonal Account, portioned accounts, POB accounts

13 Customer accounts

14 Payment system / remittance module : RTGS,NEFT.DEMAND DRAFT,PAYORDER

15 ENTRIES OF VARIOUS TRANSACTIONS IN CBS


Elementary Banking Knowledge

Question set-1

Maintenance of Books and Registers

1 Head cashier is going on leave and he handed over the Keys to next persons. Handing over of the keys shall be written in which register?

a) Cash Scroll b) Cash balancing book c) Key Register d) Main cash book

2 Under AML guidelines all documents shall be preserved for a minimum period of

____yrs.

a) 5 b) 8 c) 12 d) 10

3 Issue of debit /credit card issue register/application forms should be preserved for a

minimum period of …… years (IC 10098 dated 11.11.2014)

a) Permanently

b) 8 years

c) 5 years

d) 20 years

4 Leave record register should be retained for minimum …… years

a) 6 years

b) 8 years

c) Permanently


d) none

5 Powers of attorney, succession certificates, death certificate register ,register of mortgage & charges should be preserved…….

a) Permanently b) 25 years c) 30 years d) 50 years

6 Loan agreements, security documents, title deeds of properties mortgaged to the Bank etc.

a) These are to be entered in safe in safe out register at the Branches b) Should be kept in safe custody under dual control. c) Both a& b d) None of the above

7 Voucher Register is required to be maintained on

a) daily basis b) monthly basis c) Quarterly basis d) No need to maintain

8 Branch operations: slips cheques & voucher related to DDs,FDs,& all loans OD,bills etc should be preserved…..

a) 5 years b) 3 years c) 10 years d) none of the above

9 Wherever records are created in any media other than paper there shall be at least………back up records in same media or other suitable media.

a) Two b) Four c) Three d) ZERO means No back up is required

10 Cash Paid Instruments should be preserved separately under lock and key in the custody of Branch Manager and will not be sent to the Old Records …

a. without the approval of the Regional Office b. at any cost c. Permanently should be kept in branch d. None of the above


Cash receipts and payments

11 Armed Guard services are not mandatory up to amount of Cash Rs.____lac which can be remitted by Cash van / Staff car / Hired four wheeler / Bus / Train / Auto Rickshaw.

a) 5 lac

b) 10 lac

c) 25 lac

d) 50 lac

12 Without armed guard Cash up to Rs, _____lac can be remitted by motor cycle /Scooter

a) 5 lac b) 25 lac c) 10 lac d) None of the above

13 Duplicate set of keys should be exchanged with regular set of keys within a maximum period of ….years

a) 5 years b) 3 years c) 2 years d) None of the above

14 At the day end Cashier after tallying the cash will prepare_________

a) a) Cash Scroll b) Key register c) Cash balance book d) None 15 The minimum amount of deposit and withdrawal allowed to/from Currency chest is

a) Rs.1 lac b) Rs.2 c) Rs.0.50 lac d) 5 lac e) No such limit.

16 Currency chest maintained by our bank is the property of _______

a) The bank b) SBI c) RBI d) Govt. of India. E) None

17 The cashier reports that there is excess receipt of Rs.500/- and he is unable to find out the person who has given this excess. In this case the excess amount should be.

a) Kept with Manager in sealed cover b) Credited to sundry dep. a/c c) Put in Petty cash box d) None


18 Cash should be verified with the report generated through menu-SCWRPTA with the registers maintained by cashier

a) True

b) False

19 Security thread is found in genuine notes of..

a) Rs.10/- & above

b) Rs.2 & above

c) Rs.5 & above

d) all denominations

20 The maximum permissible cash transactions in an account in a day, will be Rs. _____ Lacs (both receipts and withdrawals)

A) 5 lacs B) 10 lacs C) 20 lacs D) 50 lacs

21 How to deal with counterfeit note if getting across the cash counter ….

a) All branches of nationalized Banks are authorized to impound it

b) If counterfeit notes in single transaction is upto 4 then monthly consolidated report should be send to police

c) If no of counterfeit notes are 5 & more in single transaction then FIR with police should be lodged

d) All the above are correct

22 The word ‘Customer’ is defined in which of the following act?

A) RBI act B) BR act C) KYC/AML guidelines D) Negotiable Instruments act

23 In case of LOW risk customers, the customer identification data is to be updated by the bank

A) Not less than 10 years B) Not less than 3 years C) Not less than 2 years


D) Not less than 1 year

24 For E-KYC, which of the document is MUST?

a) Aadhar no. b) Voter id c) Pan no d) No document is required only biometric thumb impression is sufficient

25 Which of the following is low risk account?

a) Salary, b) Pension s c) BSBDA d) all of the above

Maintenance of deposit accounts

26 CASA account means…

a) Current account and saving account

b) No cost & low cast account

c) Both above are correct

d) Bothe above are wrong

27 A SB account is to be classified as dormant if there is no operation in the account for more than…… months

a) 3

b) 6

c) 12

d) 24

28 Introduction is mandatory for opening of accounts under PML act

a) True

b) False

29 Unclaimed deposit means….

a) No operation in deposit account for more than 10 years


b) No operation in deposit account for more than 05 years

c) All diseased accounts are branded as unclaimed

d) None of the above

30 If Farmer wants to deposit Rs.1 lac cash in the branch having NOPAN..what should be done as per rule

a) Return the customer & advise that come with PAN

b) Allow to deposit the cash along with form 61

c) Advise to deposit the amount in next 2-3 days ,every time amount should be less than 50000/

d) Deposit in some relatives account who is having PAN

31 Maximum permissible cash transaction( Dr or Cr) in a day is more than 10 Lac..

a) Prior permission of RO should be taken

b) No need of any permission it is a common practice in branches

c) If this deposit pertains to CASA then no permission is require


32 The minimum age requirement of a minor to open a self operated SB account is……years

a) 12 years

b) 14 years

c) 10 years

d) 16 years

33 Minimum balance for SB account without cheque book in Urban/Metro area… rupees .

a) 500

b) 250

c) 1000


34 Zero balance saving bank account can be opened …

a) All students minor or major


b) Only major students

c) All the staff of school along with students


35 BSBDA accounts means…

a) Basic saving bank deposit account

b) No minimum balance requirement

c) All NO FRILL accounts should be converted in to BSBDA

31 Interest on SB account is calculated on the basis of

a. Daily product b. Monthly minimum balance c. Average monthly balance d. Monthly minimum balance between 10th and last day e. None of these

32 What is the minimum number of employee to open the Union Super Salary A/C -USSA account?

a. 15 b. 10 c. 25 d. 30

33 USSA holder can avail OD facility up to a maximum ……… % of his last month’s salary or of Rs 25000/- whichever is lower

a) 75%

b) 80%

c) 90%

d) 100 % means Full One Month Salary

34 “Be Together, Bank Together, Gain Together” is the tagline of which product of our Bank?

a. UFSA-UNION FAMILY SAVING A/C b. USSA-UNION SUPER SALARY A/C c. U Progress d. U Support


e. None of these

35 How many family members account can be connected under UFSA?

a. 4 b. 6 c. 8 d. Any number

36 In which of the following SB account, minimum balance is zero?

a. USSA b. BSBDA c. BSBDS d. All of these

37 UNION CLASSIC CURRENT ACCOUNT is Based on the Annual monthly balance. On the basis of AMB there are …………categories.

a. 4 b. 5 c. 2 d. 3

38 Which type of account can be opened for the business purpose?

a) Current

b) Saving

c) Term deposit


39 What is minimum & maximum period for which term deposit ( like DRIC) can be opened?

a) 7 days & 10 years

b) 15 days & 10 years

c) 90 days & no limit

d) None of the above is correct

40 Senior Citizens will be eligible to get additional 0.50% rate of interest , if the deposit period is of ……….months & above.

a) 12


b) 6

c) 60

d) No such condition in union bank

41 As per Section 269 T of the Income Tax Act 1961(43 of 1961) repayment of deposits together with interest aggregating Rs………..- (wef 1.4.1989) or more should be paid by an account payee cheque or bank draft or by crediting the amount to the account.

a) 20000/

b) 25000/

c) 10000/


42 In absence of PAN, Declaration in Form 60 / 61 can be accepted

a) True

b) False

43 TDS is not required to be deducted in respect of persons who submit declaration in Form 15G or Form 15H as per the provisions of Income Tax Act.

a) True

b) False

44 Mr. Naresh deposited Rs.10000/ for 5 years under scheme of DRC. Now after 3 years he wants to close the account prematurely ,then penalty to paid by him.

a) Contractual rate of interst-2%

b) Run period rate of interest -1%

c) No premature penalty in Our Bank

d) Naresh cannot withdraw his deposit prematurely

45 Interest for a term deposit is paid as per …………………. a. Period of the deposit b. Deposit scheme c. Amount of the deposit d. All of the above

46 Deposits for a period of 7 days and above but not exceeding ……. days are classified as short deposits

a) 179 days b) 90 days


c) 364 days d) None of the above

47 Under MIS scheme minimum period of the deposit is ……. Months

a) 12 b) 24 c) 60 d) 36

48 Maximum amount that can be deposited under Union Tax Saver is Rs……….

a) 1 lac

b) 1.5 lac

c) 2.0 lac


49 What is the minimum period for which Union Tax Saver can be opened?

a. 1 year b. 3 years c. 5 years d. None of the above

50 Union Monthly plus offers flexible step up monthly installments. The maximum installments in a month ---

a. 10 times of core installments but not more than Rs. 1.00 lac b. 10 times of core installments c. No such limit d. None of these

Loans& Advances

51 Union Miles refers to loans given to the customers for the purchase of

a. Two wheeler & Four wheeler b. Consumer durables c. Taxi for tour purpose d. None of the above

52 What is the minimum age requirement of a borrower to avail home loan from our

bank? a) 18 b) 19 c) 20


d) 21

53 Maximum loan eligibility limit that can be availed under Union Home loan scheme. a) 500 lac b) 100 lac c) 200 lac d) Need based

54 Max. Quantum of loan that can be extended under Union education..

a) 10 lac for studies in India & 20 lac for studies abroad b) 10 lac for studies in India & 25 lac for studies abroad c) 7.5 lac for studies in India &15 lac for studies abroad d) None of the above

55 Maximum age within which a home loan is to be repaid

a) 70 years b) 65 years

c) 60 years d) 55 years

56 Maximum loan under U. Cash to a pensioner aged less than 70 years is :

a) Rs.3.00 lakh b) Rs.2.00 lakh

c) Rs.5.00 lakh d) Rs.1 .00 lakh

57 The maximum limit under Union Personal-General scheme for salaried individual is..

a) 5 lakh b) 7 lakh c) 10 lakh d) Depends upon capacity of repayment

58 Stock statement is to be submitted in CC account by the borrower on ………basis a) monthly b) Quarterly c) Fortnightly d) Half yearly

59 Union white card refers to :

a) loan given to dairy farmers b) loan given to Fishery farmers c) loan given to Sugar industry d) none of the above


60 Tractor loan cane be sanctioned to a farmer owning & cultivating: a) 3 acre perennially irrigated agriculture land b) 5 acre perennially irrigated agriculture land c) 7 acre perennially irrigated agriculture land d) none of the above

61 NRLM means….

a) National Rural Livelihood Mission b) National Rural Landless Mission c) Nehru rural labour mission d) None of the above

62 Interest subvention is available in following scheme: a) UGC loan for crop purpose up to 3 lac b) WHR loan up to 6 months c) union bhumiheen green card d) all above

63 Bench mark of priority sector is…….% of ANBC a) 40 b) 20 c) 18 d) none of the above

64 Nari shakti scheme is a) loan to women MSE borrowers b) education loan to girl child c) loan to housewives d) loan to women employees of our bank

Interest Rates On Deposits & Advances 65 Rate of interest on Saving Bank( UNION BANK)

a) 4% b) 5% c) 3.5% d) none of the above

66 What is base rate of our bank( wef 30.06.2016)? a) 9.60% b) 12% c) 14.75% d) none of the above

67 BPLR of Union bank (wef 01.03.2016) a) 14.25 b) 15% c) 12.75 d) none of the above


68 What is true about MCLR? a) it is “Marginal cost of funds based lending rate” b) it is changing every month c) presently from 01.08.2016 our bank has set one year MCLR 9.45% d) All are true

69 Rate of interest on Current Deposit accounts…

a) No interest b) SB rate c) depends upon value of the deposit d) None of the above

70 What is rate of interest charged in “Advance against deposit”? a) 2% ODR(over deposit rate) b) 1% ODR c) BR d) none of the above

Remittances, bills, collection of cheques etc. 71 General Crossing on cheque means :

a) Two parallel transverse lines on the face of the cheque b) writing account payee on right top corner of cheque ,lines are not important c) 2 lines with some words only d) none of the above

72 A cheque with date as per National Saka Calendar/Local Calendar if in order

a) should be paid b) must not be paid c) can be paid also without date d) none of the above

73 Normally the cheque is valid for …….. months after the date of issue of cheque

a) 3 months b) 6 months c) 9 months d) none of the above

74 All branches will pay other SOL’s Multi City cheques that are payable to drawer of the account (self) for the amount up to …

a) Rs.1.00 Iac only b) Rs.5.00 lacs c) no limit


d) none of the above 75 For non customers DD up to Rs.50000/- can be issued against cash.

a) True b) False

76 IFSC is the 11 digit code to be used for payments through

a. NEFT/RTGS b. Demand draft c. Cheque d. All of these

77 The Magnetic Ink Character Recognition (MICR) code has 9 digits to identify the bank-branch – Used only for MICR clearing & ECS

a) True

b) False

78 The person who signs on the face of a cheque is known as

a. Drawee b. Beneficiary c. Payee d. Drawer

79 Alterations in date, amount, payee’s name is known as

a. Amendments b. Material Alterations c. Corrections d. none of the above is ok

80 The minimum amount that can be remitted through RTGS is

a) Rs.5.00 lacs b) Rs.2.00 lacs c) Rs.3.00 lacs d) Rs.10.00 lacs

81 Cheque is defined under Section 6 of NI Act as “…..a bill of exchange drawn on a specified banker and payable on demand”

a) True b) false

82 Cheques drawn on third parties will be paid at non-base branch subject to the limit of Rs.10,000/- per transaction in Savings Bank Account and Rs. 25,000/- per transaction in Current/Overdraft Account


a) True b) false

Miscellaneous Important Questions

83 Lockers are rented for a minimum period of 1 year and for a maximum period of ………. years at a time subject to advance payment of rent

a) 3 b) 5 c) 10 d) depends upon customer need

84 Credit balance in any deposit account not been operated upon for the last ten years or more, or any amount remaining unclaimed for the last ten years or more,

a) Should be credited to Depositor Education and Awareness Fund b) should be remitted to RO c) should be put in sundry very old accounts head in branch d) should remit back to customer by post at any cost

85 Bank has to preserve records/documents containing details of all accounts and transactions, including deposit accounts in respect of which amounts are required to be credited to DEAF-RBI

a) permanently b) 10 years c) 20 years d) none of the above

86 Which of the following report is referred by loan sanctioning authority to know the

credit history of the borrower . a) CIBIL [The credit bureau of India limited] report b) MMR c) Lead Bank Report d) None of the above

87 An NPA Account can remain in Sub Standard Category for a period of

(a) 12 months (b) 24 months (c) Forever (d) None of the above

88 Branches are required to constitute a Customer Service Committee and hold its

meeting on the 15th of each month or on the previous working day in case the 15th is a holiday

a) True b) False

89 Whether the employees’ working hour commence, 15 minutes before commencement of business hours?

a) True


b) False

90 COPRA means.. a) consumer protection act b) customer protection act c) company protection act d) none of above

91 Our Bank has put in place a CCU which oversees the resolution of complaints not

resolved at the field level.CCU means. a) customer care unit b) customer complaint unit c) complaint care union d) none of the above

92 Who is our CCCO( chief customer care officer)

a) Sri Nandan Srivastava b) Sri Atul kumar c) Sri Arul das d) none of the above

93 What is the time period to acknowledge the complaints as per BCSBI codes? a. 1 week b. 2 weeks c. 3 days d. 30 days

94 As per the code of Bank’s commitment to customers a bank must give a notice of -----

---- months in advance to the customer before transferring his account to in-operative or dormant account.

a. One b. Two c. Three d. Four e. None of these

95 As per the BCSBI code when a customer makes a complaint the bank has to give him

final reply within ----days of the complaint. a. Six weeks b. One month c. 15 days d. 2 months e. None of these


96 Mandatory information to be displayed at branches..which is true? a) Service Charges b) Key interest rates on deposits & foreign exchange rates c) Average Quarterly Balance requirements & charges for non-maintenance d) Facility of nomination on all deposit accounts, articles in safe custody and

safe deposit vaults e) all of the above

97 All NPAs are to be classified into following 3 categories. which of the following is incorrect ?

a) Sub standard Asset b) Doubtful asset c) Special mention assets d) Loss Asset

98 When a term loan account is treated as NPA?

a) Interest and installment of principal remaining overdue for a period of more than 90 days

b) Interest and installment of principal remaining overdue for a period of more than 240 days

c) Interest and installment of principal remaining overdue for a period of more than 180 days

d) NONE OF THE ABOVE 99 NRI is a person resident outside India who is a citizen of India or a Person of Indian

Origin a) true b) false

100 Person of Indian Origin (PIO) means: A citizen of any country other than Pakistan or Bangladesh provided….( PICK THE CORRECT STATEMENT)

a) He, at any time held Indian Passport, or b) He or either of his parents or grandparents was a citizen of India by virtue of

the constitution of India or Citizenship Act, 1955, or c) Spouse of an Indian Citizen or a person referred to in (a) or (b) above. d) All Of The Above

101 Our Bank has launched business process transformation with an aim to create

customer delight at all touch points a) Project UTKARSH b) PROJECT-Uthan c) Project Prgyan d) Project “AAGE BADHO”

102 Expand SSC facility launched by our bank for speedier processing of staff bills and automated payment of select benefits.


a) Shared Service Centre b) Subko sulabh center c) saral service center d) none of the above

103 Training system of our bank has taken new initiative to enrich the knowledge of the

field functionaries .What is the name of this online fortnightly Quiz ? a) GYAN KASAUTI b) GYAN VRIDHI c) GYAN SANGAM d) GYAN SAMIRIDHI

104 The portal wherein our staff members can put their queries before the

management is.. a) ‘HR Aapke Dwar b) HR hamare dwar c) HR Apki sune d) HR Care

105 Who inaugurated our bank:

a) The Father of the Nation, Mahatma Gandhi b) First PM of India Jawahar lal Nehru c) Subhash Chandra Bose d) None of the above

106 What is PMMY? a) Pratham mukhya MUDRA yojna b) Prime minister MUDRA YOJNA c) prime minister MONEY Yojna d) none of the above


Question set-2 (Computer literacy)

1. The Banking software used by our bank is called :- a. Pinnacle b. Finacle c. Polaris d. Solaris e. None of the above

2. The Intranet site of Union bank of India is called as:-

a) UNIONNET b) UNIONBANKNET c) UBINET d) UBIONLINE e) None of the above

3. The internet site of Union bank of India is:- a) www.unionbankofindia.co.in b) www.unionbanonline.co.in c) www.unionbank.com d) www.ubinetofindia.com e) None of the above

4. The unique number given while opening the customer master is called a) Customer number b) Customer identification Number ( Cust. –ID) c) Account ID d) PAN No e) None of the above

5. The User-ID to login to Banks ‘Finacle’software consists of :-

a) PF number b) PF no prefixed with Initials ( 2 alphabet) c) PF no suffixed with initials d) Name and PF no e) None of the above.


6. The Unique customer Identification Number consists of ______ no of digits. a) 12 numbers b) 2 alphabets and 6 digits c) 9 numbers d) 15 digits e) None of the above.

7. The Customer master maintenance captures the following details of the customer.

a) Occupation b) Residential address c) TDS details d) Introducer details e) All the above

8. The menu for adding/modification the Customer master details in Finacle is :-

a) CUMM b) CUS c) CUMI d) CUSTD e) None of the above

9. As per KYC norms the following details are to be compulsorily captured while opening new accounts. a) Identity proof b) Residence proof c) Employment details d) All the above e) None of the above

10. The Alternate delivery Channels are :-

a) E-banking b) Mobile banking c) SMS banking d) All the above

11. In Finacle, before an account is opened for a customer, we must have for that customer --------?

a) TRAN-ID b) CUST-ID c) PAN-NO d) None of the above


e) All the above

12. Common menu option for opening all types of accounts (SB,CD,DEPOSITS,LOANS) is available in Finacle. The MENU is _____

a) OAAC b) ACM c) CUST d) ICHB e) ACLHM

13. Menu for closing the account is………

a) CACA b) CAAC c) ACAC d) ACCA e) All the above

14. In whichever screen, where Account number is there, Signature scanned will be

displayed by pressing which key. a) F5 b) F7 c) F9 d) F2 e) F1

15. .Funds in ‘-------’ status are not reflected in ACCBAL/ACLI screens a) Entered b) Posted c) Verified d) Deleted e) All the above

16. Menu for finding unposted transactions in Finacle? a) AFI b) FTI c) GSPI d) ACLI e) None of the above

17. Term deposits in Finacle are auto renewed on the due date. This happens

a) Without Change in deposit account number b) New deposit account number is created


c) Renewed at the existing period and scheme d) Only maturity date is changed e) Option ‘a’ and ‘c’ are true

18. Finacle identifies every branch and its extension counters as different Service outlets

(SOL). The SOL id consists of 5 digits. The SOL ID for a branch having BR code as 553042 will be ___. a) 55300 b) 53040 c) 55340 d) 30420 e) 53020

19. Function key F6 is used for

a) Accepting the input b) Going to next screen c) Committing d) Going to background e) None of these

20. This key combination is used to select a value (the value can be numeric or alpha) from the list of valid values, which appears on pressing F2 listed for a particular field.

a) Ctrl+F b) Shift +F4 c) Ctrl +X d) Ctrk + E e) Shift + F3

21. The key combination populates the default BOD date in the field.

a) Control + F b) Control + X c) Control + T d) Control +J e) Control + E

22. This key combination can be used when the user wants to clear a field

a) Control + F b) Control + X c) Control + T d) Control +J e) Control + E

23. Details of cheques paid/unpaid can be found from the menu-?

a) ICHB


b) CHBM c) INQACHQ d) FTI e) AFI

24. The menu for marking stop payment is ______?

a) STOP b) SPP c) SIM d) ACM e) ACS

25. Account lien can be marked using the Menu Option _____?

a) LEIN b) ALM c) ACS d) CMS e) ALL the above

26. Toll free number for Union Bank of India Customer’s is _________? a) 1800 22 44 44 b) 1800 22 22 44 c) 1800 22 44 22 d) 1800 24 24 24 e) None of the above

27. Our individual Customers can now self generate e-banking ID and Password provided

their customer master is updated with the following. a) Mobile number and email address b) e-mail address only c) Date of birth, PAN and email. Id,mobile number d) Mobile number, date of birth, email add and free text-Y e) None of the above

28. The customer has lost his ATM card. How can he hot list the ATM card for preventing

misuse? a) Inform the card details at our Call center b) Contact the branch for hot listing c) By sending SMS d) By U Mobile e) All of the above

29. The Customer details /transactions of all Union bank customers are kept in a place called_________.

a) STC Powai


b) DATACENTER c) DR SITE d) Central office e) BS Marg

30. The computers in all our branches are interconnected and this is called as a) LAN-Local Area Network b) WAN-WIDE Area Network c) Peer Network d) Star Network e) None of the above

31. Wherever networks are not possible, our bank has gone for satellite connections otherwise called as -------- a) WINSAT b) VSAT c) SAT d) VAT e) TAT

32. The processing of loan proposal has been computerised and the package for it is a) Nav-nirman-II b) Lending Automation solutions (LAS) c) Gap data d) Lead management solutions(LMS) e) None of the above

33. Cheques lodged in inward clearing can be viewed by the branch using the menu_____? a) OCTM b) ICTM c) LCTM d) ACLI e) None of the above

34. To inquire on the status of a cheque entered in outward clearing, you can use the menu option_____.

a) OIQ- Outward Instrument query b) OPQ- Outward Part tran query c) FTI d) All the above e) None of the above

35. Once a transaction is Posted, No modification is allowed. Whether the statement is true

or false? a) True b) False c) Partially True d) Partially False


e) None of the above 36. “Mouse” in a computer is ‘…………………’ device

a) Input b) Output c) Control d) Slow e) All the above

37. “SOL” stands for a) Schematic offshore Lending b) Service Out Let c) Single Office Lease d) Shop on Lease e) Solitude

38. “Monitor” in a computer is ‘…………………’device a) Show b) Output c) Input d) Control e) Any One of the above

39. Union Bank has a anti-virus solution from ‘…………………………….’ Company

a) Macafee b) Symantec c) Trend Micro d) Norton e) Microsoft

40. DR (Disaster Recovery) site of Union Bank is at ‘……………………….’? a) Bangalore b) Nagpur c) Hyderabad d) Delhi e) None of these

41. “OS” in a computer stands for a) Open Source b) Opening System c) Operating System d) Optional System e) Operational Support

42. “Plastic Money” is referred to a) Credit Card b) Debit Card c) Gift Card d) ATM Card


e) All the above 43. Caps Lock key in Key Board is used for

a) Lock the key board b) Toggle key for lower/upper case of English Alphabet c) Capturing the print on the screen d) Control the locking system of computer e) All the above

44. Combination of keys ‘Ctrl + E’ is used to a) Download a report from background to harddisk in Finacle

b) To explode a field

c)To view a customer’s signature on screen

d) a& b

e) All the above

45. RAM in computer terminology is..

a) Name of God

b)Computer Memory

c) Name of a book

d) New Hindi Movie

e)3-D movie from America

46. “………………….” Is an input device

a) ROM

b) RAM

c) Keyboard

d) Monitor

e) Motherboard

47. ‘………………..’ is not a storage device

a) RAM

b) Pen drive


c) Floppy

d) Hard disk

e) Compact Disk

48. In a branch, ‘UPS’ is used to Supply Electric Power to

a) Computers

b) Room Heaters

c) Vacuum Cleaner

d) Air Conditioners

e) All the above

49. Computer data is stored in ‘………………….’

a) Tonnes

b) Milliseconds

c) Bytes

d) Litres

e) Millimeters

50. Computer data means

a) Information about customers’ accounts

b) Information about transactions

c) Information about customers’ signatures

d) All the above

e) None of the above

51.”CBS” stands for

a) Core Banking Solution

b) Centralized Banking System

c) Certified Banking System


d) Certified Banking Solution

e) Any one of the above

52.”Software” means

a) Soft Computer devices like cables etc.

b) Programs used in computer

c) Soft touch screen monitors

d) Print outs taken on soft papers

e) All the above

53.’CPU’ is ‘………………..’ of a computer

a) Brain

b) Face

c) Eyes

d) Stomach

e) All the above

54. Computers should be used with ‘………………………….’ Power supply

a) A C

b) D C

c) M C

d) W C

e) All the above

55. Menu for Aadhaar linkage

a) ADHAR

b) AADHAR

c) AADHAAR

d) ADAR


e) ADR

56.”USB” port in a computer is used to connect

a) Pen Drive

b) Mouse

c) Key Board

d) Hard Disk

e) All the above

57.”Log Out” means

a) Shut down the computer

b) Come out from the package

c) Switch off mains power supply to the computer

d) Enter the ID and Password

e) All the above

58.”VIRUS” is

a) Malicious program to destroy computer data

b) Computer program to play games on computer

c) Very Intelligent, Resourceful and Useful System

d) Computer device to download the softcopy of data


59. Menu for bills maintenance is

a) BM

b) CM

c) AGM

d) DGM

e) GM


60. ‘www’ means

a) World without wirus

b) World wide wealth

c) World wide web

d) World with web

e) World without Web

61. A computer in network is identified by ‘…………………………’

a) I P Address

b) Place where it is kept

c) Log in ID and Password of the user

d) V Sat placed on the roof top

e) All the above

62. Menu for audit file inquiry is

a) FIA

b) FTI

c) AFI

d) ACLI

e) TM

63. Miss call no for knowing available balance in customer account is

a) 9223008586

b) 9220038586

c) 9223009293

d) 1800224422


64. Bank’s call centre can handle customers’ request in ‘……………..’ languages


a) 7

b) 2

c) 9

d) 5

e) 3

65. ‘Finacle’ is available at following branch of the bank

a) Agartala (Tripura)

b) Narbal (J&K)

c) Hongkong

d) Sydney (Australia)

e) All the above

66. SMS Banking facility allows a customer to

a) Get transaction alerts on the mobile

b) Get mini statement on mobile

c) Get cheque paid/unpaid status on mobile

d) Get loan overdue notice on mobile

e) All the above

67. RTGS/NEFT is used to do a

a) Bank to Bank transaction (Inter-Bank)

b) Branch to Branch Transaction (Intra- Bank)

c) Banks in India to Overseas Banks

d) Any one of the above

e) All the above

68. Minimum amount for funds transfer in ‘NEFT’ is

a) 1.00 lac


b) 100

c) 1000

d) No limit

e) 5000

69. Minimum amount for funds transfer in “RTGS” is

a) Rs.2.00 lac

b) Rs.50,000

c) Rs. 5.00 lac

d) Rs.10.00 lac

e) No Limit

70. ‘Buy today, pay tomorrow’ is possible by using

a) Debit Card

b) Credit Card

c) Gift Card

d) Greeting Card

e) Any One of the above

71.’Interest free loan’ for a limited time is available to customers while using

a) Credit Card

b) Debit Card

c) E Card

d) Gift Card

e) All the above

72. Ideally a customer must have one ‘……………………..’ across the bank

a) Account ID

b) Cust ID


c) Finacle ID

d) Place ID

e) All the above

73. “Toll Free” number means

a) No Toll Tax

b) No timing

c) No Charges

d) No Network

e) All the above

74. Which is the easier, cheaper, quicker and secure way of transferring money to a customer of another bank?

a) Demand Draft

b) Multi City Cheque

c) RTGS/NEFT

d) Pay Order

e) All the above

75. Stuck in a traffic jam, how a customer can do a NEFT transaction

a) Through SMS Banking

b) Through Mobile Banking

c) Visiting any nearby any Bank

d) All the above

e) Any one of these

76. As a precaution, Finacle ’Password’ should be informed to

a) Branch Head

b) RCC


c) Data Centre

d) Family members

e) No one

77. Main gate of “ATM” should be

a) Closed at the close of branch hours

b) Closed during 9.30 PM to 6.30 AM

c) Never Closed

d) Closed during rainy season


78. Cash withdrawal by e –cash of our bank can be made only through the following bank’s ATM

a) SBI ATM

b) ICICI ATM

c) UNION BANK ATM

d) BOI ATM


79. Menu for customer selection is

1. CUS

2. SUC

3. CUMM

4. CUI

5. CUT

80. Debit cards of Union Bank are issued by

a) VISA

b) Master


c) Both Visa and Master only

d) Rupay

e) All of the above

81. Reward Points can be earned by using

a) ATM card at ATMs b) Debit card for purchases c) Credit Card for purchases d) Gift Card for Purchases e) b &c

82. We have ATMs of following companies

a) N C R

b) W I N C O R

c) D I E B O L D

d) A G E I S

e) ALL the above

83. Savings Bank Customer of Union Bank can withdraw free of charge from the ATMs of other banks

a) Once in a month

b) Twice in a month

c) Five times in a month

d) Any number of times in a month

e) Can not withdraw

84. Which of the following bank’s ATM our customer should be advised to prefer in case all these are near to each other

a) S B I

b) I C I C I

c) Union Bank of India


d) Axis Bank

e) Any one of these

85. Credit card used for purchases on 22.06.2015, what will be the due date for payment of bill

a) 10.08.2015

b) 10.07.2015

c) 30.06.2015

d) 20.07.2015

e) 20.08.2015

86. Bill for Credit Card for a month is generated on ‘………………..’ date

a) 20th of every month

b) 1st day of next month

c) Last day of the month

d) Same day

e) No idea

87. Interest from the date of purchase till payment on due date for credit card bill is charged @ P A

a) 1.9 %

b) 18.25%

c) 11.25%

d) No Interest

e) 10 %

88. To shut down a computer,

a) Switch off the power supply directly

b) Switch off the monitor


c) Click on start button and then click on shut down

d) Remove the power cable to CPU


89. Which is the longest key on the key board?

a) Space bar

b) Enter key

c) ‘0’ key

d) Function key

e) Shift Key

90. ‘ # ‘ is known as

a) dash

b) mash

c) hash

d) cash

e) ash

91. ‘Home’ key in key board is used to

a) go home

b) go out

c) go to beginning

d) go to end

e) All the above

92. While typing, use of “Shift” key with any alphabet

a) Changes the case of alphabet

b) Makes the alphabet bold

c) Makes the alphabet underlined

d) Makes the alphabet italicized


e) All the above

93. @ # ? * are known as

a) junk characters

b) sink characters

c) special characters

d) mild characters

e) All the above

94. A strong password should have minimum ‘………….’ Characters

a) 8

b) 6

c) 10

d) 2

e) No limit

95. A strong password should have only

a) Alphabets

b) Numerals

c) Special Characters

d) a b & c

e) a& c

96. ‘nEhA@2010’ is a ‘…………………..’ password

a) weak

b) strong

c) mild

d) soft

e) harsh


97. In Union Bank, ‘D I T’ stands for

a) Department of Information Technology

b) Department for Institutional Technology

c) Department of Income Tax

d) Department for Inventions in Technology

e) Department for Information and Training

98. ‘ D I T, Powai’ is in ‘……………………………’ city

a) Kozhikode

b) New Delhi

c) Mumbai

d) Chennai

e) Hyderabad

99. With the help of normal ATM card, maximum ‘…………………….’ Cash can be withdrawn per day.

a) 2,50,000

b) 50,000

c) 20,000

d) 25,000

e) No Limit

100. Which of the following can be used to withdraw cash from our ATM

a) Payroll Card

b) Gift Card

c) Greeting Card

d) E Card

e) All the above


101. Expand IMPS

a) Intermediary Payment System b) Inter Bank Payment Service c) Immediate Payment Service d) Inter Bank Mobile Payment Service e)None of these

102. What is MMID:-

a) ID for RTGS

b) ID for opening a/c

c) ID for transferring money through finacle

d) ID for transfer of money through IMPS.

103. What is the maximum amount that can be transferred through RTGS via E- banking for a retail customer?

1. 100000/-

2. 200000/-

3. 300000/-

4. 50000/-

5. 400000/-

104. U secure credit card is credit card

a. Backed by Deposit

b. issued to the SDV locker holders

c. Cash Credit customers

d. Issued for SB account with AQB of Rs.1.0 lac

e. all of these

105. The ROI for credit card purchase converted into EMI is:

a. 12%


b. 18%

c. 24%

d. 30%

e. 36%

106. What is m –Passbook

a) it is manual passbook given to BSBDA a/c holders

b) it is a smart phone application that enables its users to get banking transactional updates in an easy, secure and immediate way

c) it is master passbook to be provided to HNI customers only

d) None of the above is correct.

107 For availing DigiPurse facility ,one should have account in Union Bank a) No, any bank user can avail this facility. b) Yes it is only for our customers

108. In M Passbook the statement of accounts is/ are available for

a. primary account only

b. two accounts only

c. three accounts only

d. all accounts in a customer id

e. none of these

109. Bank has launched mobile wallet by name

a) DigiPurse

b) Uubipurse


c) Unionpurse

d) Digimobi

110. Union-selfie is ..

a) Mobile application based saving bank account opening process

b) Taking selfie with our prime customers during their branch visit

c) opening loan account through smart phone

d) none of the above

111. Name of our bank’s e-lobby

a) Union 24 x7 comfort

b) union lobby

c) UNION comfort

d) none of the above

Documents

PROMOTION MATERIAL-2016 Question Bagbankubeutn.in/downloads/SS 2 clerk 2016.pdfCORE BANKING SOLUTION ( FINACLE) 12. GENERAL LEDGER MODULE- Types Of Account Maintained, Office Account,