Q1. What is the minimum Capital Adequacy Ratio (CAR) required for an Asset Reconstruction Company (ARC)? / ARC के लिए न्यूनतम CAR क्या है?
a) 7%
b) 3%
c) 15%
d) 1.5%
e) 4%
Answer: c) 15%
Explanation: RBI ke nirdesho ke anusar, ARCs ko apni risk-weighted assets ka kam se kam 15% Capital Adequacy Ratio banaye rakhna anivarya hai taki ve vittiya roop se majboot rahein.
Q2. What is the interest subvention rate provided to Animal Husbandry & Fisheries farmers for working capital up to ₹2 lakhs under KCC? / KCC के तहत ₹2 लाख तक कार्यशील पूंजी के लिए पशुपालन और मत्स्यपालन किसानों को ब्याज सबवेंशन दर कितनी है?
a) 15%
b) 12%
c) 10%
d) 18%
e) 2%
Answer: e) 2%
Explanation: KCC ke tahat Pashupalan aur Matsyapalan kisanon ko ₹2 lakh tak ke loan par 2% p.a. ki interest subvention (vyaj chhoot) milti hai.
Q3. When a customer uses a Safe Deposit Vault (Locker), what is the bank-customer relationship? / जब कोई ग्राहक Safe Deposit Vault (Locker) का उपयोग करता है, तो बैंक-ग्राहक संबंध क्या होता है?
a) Bailee and Bailor
b) Agent and Principal
c) Debtor and Creditor
d) Lessor and Lessee
e) Creditor and Debtor
Answer: d) Lessor and Lessee
Explanation: Locker ke mamle mein Bank 'Lessor' (kiraye par dene wala) aur Customer 'Lessee' (kirayedar) hota hai kyuki bank sirf jagah kiraye par deta hai.
Q4. Does a Garnishee Order apply to future credits received in the customer's account? / क्या Garnishee Order ग्राहक के खाते में प्राप्त भविष्य के क्रेडिट पर लागू होता है?
a) Only if the order is Absolute
b) Yes, if specified in the order
c) Only if the order is NISI
d) No, only applies to the amount available at receipt
e) Yes, automatically
Answer: d) No, only applies to the amount available at receipt
Explanation: Garnishee Order keval usi rakam par lagoo hota hai jo order milte samay khate mein maujood ho. Order milne ke baad jama hone wali rakam (future credits) par yeh lagoo nahi hota.
Q5. How is asset classification determined in a Consortium Loan arrangement? / कंसोर्टियम ऋण में एसेट वर्गीकरण कौन करता है?
a) Based on majority stake by value
b) Independently by each bank
c) Uniformly by the lead bank
d) By RBI directive
Answer: b) Independently by each bank
Explanation: Consortium loan mein har bank apne paas recovery aur record ke aadhar par asset classification swatantra (independently) roop se karta hai.
Q6. What is the minimum age required for joining the Atal Pension Yojana (APY)? / अटल पेंशन योजना (APY) में शामिल होने के लिए न्यूनतम आयु क्या है?
a) 18 years
b) 25 years
c) 16 years
d) 40 years
e) 21 years
Answer: a) 18 years
Explanation: APY mein shamil hone ki aayu seema 18 se 40 varsh hai. Iska uddeshya asangathit kshetra ke logo ko pension dena hai.
Q7. What is the maximum loan limit for distressed non-farm persons to repay non-institutional lenders under Weaker Sections? / Weaker Sections के तहत परेशान गैर-कृषि व्यक्तियों के लिए गैर-संस्थागत ऋणदाताओं को चुकाने की अधिकतम ऋण सीमा कितनी है?
a) ₹2 lakh
b) ₹10 lakh
c) ₹5 lakh
d) ₹1 lakh
e) ₹50,000
Answer: d) ₹1 lakh
Explanation: Priority Sector Lending (PSL) ke tahat 'Weaker Sections' mein garib logo ko sahukaro (non-institutional lenders) ka karz chukane ke liye ₹1 lakh tak ka loan diya jata hai.
Q8. Who is responsible for the management of a Hindu Undivided Family (HUF)? / Hindu Undivided Family (HUF) के प्रबंधन के लिए कौन जिम्मेदार होता है?
a) All major co-parceners collectively
b) The senior male member only
c) The eldest member, male or female
d) Only the father of the family
e) The appointed Legal Guardian
Answer: c) The eldest member, male or female
Explanation: HUF ka prabandhan 'Karta' karta hai. Kanoon ke badlav ke baad ab parivar ka sabse bada sadasya (chahe purush ho ya mahila) Karta ban sakta hai.
Q9. What is the minimum percentage target for SC/ST borrowers out of the total DRI loans sanctioned? / कुल DRI लोन में से SC/ST उधारकर्ताओं के लिए न्यूनतम प्रतिशत लक्ष्य क्या है?
a) 10%
b) 50%
c) 20%
d) 60%
e) 40%
Answer: e) 40%
Explanation: Differential Rate of Interest (DRI) scheme ke tahat kul loans ka kam se kam 40% SC/ST samuday ke logo ko dena anivarya hai.
Q10. Which Act provides the legal basis for the revised nomination rules effective March 31, 2026? / 31 मार्च 2026 से प्रभावी संशोधित नामांकन नियमों का कानूनी आधार कौन सा अधिनियम प्रदान करता है?
a) Banking Laws (Amendment) Act, 2025
b) Negotiable Instrument Act 1881
c) RBI Act 1934
d) Indian Trusts Act 1882
e) Companies Act 2013
Answer: a) Banking Laws (Amendment) Act, 2025
Explanation: Banking Laws (Amendment) Act, 2025 ne nomination ke niyam badalne aur ek se zyada nominee ki suvidha dene ka kanuni aadhar pradan kiya hai.
Q11. CBS menu for request for Internet Banking? / इंटरनेट बैंकिंग अनुरोध के लिए CBS मेनू?
a) DBBS
b) ADCREQ
c) DCARD
d) PINREQ
Answer: b) ADCREQ
Explanation: Alternate Delivery Channels (Internet/Mobile Banking) ke liye ADCREQ menu ka upyog kiya jata hai.
Q12. Non-Scheduled Primary Co-operative Banks (NSPCBs) with what minimum deposits are covered by the Integrated Ombudsman Scheme? / किस न्यूनतम जमा राशि वाले Non-Scheduled Primary Co-operative Banks (NSPCBs) Integrated Ombudsman Scheme के तहत आते हैं?
a) Deposits Above ₹10 crore
b) Deposits Above ₹100 crore
c) Deposits Above ₹50 crore
d) No limit
e) Deposits Above ₹25 crore
Answer: c) Deposits Above ₹50 crore
Explanation: RBI ki Integrated Ombudsman Scheme un sabhi non-scheduled co-operative banks par lagoo hoti hai jinki deposit size ₹50 crore ya usse zyada hai.
Q13. What is the maximum period allowed for the purchaser to pay the balance 75% after auction under SARFAESI? / SARFAESI के तहत नीलामी के बाद 75% शेष राशि जमा करने की अधिकतम अवधि?
a) 45 days
b) 15 days
c) 30 days
d) 7 days
Answer: b) 15 days
Explanation: SARFAESI auction mein safal boli lagane wale ko 25% turant aur baki 75% rakam 15 dino ke bhitar jama karni hoti hai.
Q14. Menu option for Subsidy claim of Education Loan? / शिक्षा ऋण सब्सिडी क्लेम के लिए CBS मेनू?
a) ADPMAY
b) EDULOANM
c) LOANM
d) EDULOAN
Answer: d) EDULOAN
Explanation: Education loan subsidy processing ke liye banks mein prachalit menu EDULOAN hai.
Q15. If the amount written in words and figures on a cheque differs, which amount must be paid? / यदि चेक पर शब्दों और अंकों में लिखी राशि अलग है, तो कौन सी राशि भुगतान की जाएगी?
a) Amount in figures
b) Higher amount
c) Average of both amounts
d) Lower amount
e) Amount in words
Answer: e) Amount in words
Explanation: NI Act 1881 ki Section 18 ke anusar, agar shabdo aur anko ki rakam alag hai, toh shabdo (words) mein likhi rakam ko hi sahi mana jayega.
Q16. What is the maximum number of Public Ltd. companies in which an individual can be a Director? / किसी व्यक्ति द्वारा Public Ltd. कंपनियों में Director बनने की अधिकतम संख्या कितनी है?
a) 15
b) 10
c) 20
d) Unlimited
e) 5
Answer: b) 10
Explanation: Companies Act 2013 ke anusar, ek vyakti kul 20 companies mein director ho sakta hai, par unmein se Public Limited companies ki sankhya 10 se zyada nahi honi chahiye.
Q17. What is the maximum total investment allowed in the Senior Citizen's Saving Scheme (SCSS)? / Senior Citizen's Saving Scheme (SCSS) में अधिकतम कुल निवेश राशि कितनी है?
a) Rs. 30 lakh
b) Rs. 20 lakh
c) Rs. 50 lakh
d) Rs. 25 lakh
e) Rs. 15 lakh
Answer: a) Rs. 30 lakh
Explanation: Budget 2023 ke baad SCSS ki adhiktam nivesh seema ₹15 lakh se badhakar ₹30 lakh kar di gayi hai.
Q18. Which agency manages the Central KYC Records Registry (CKYCR)? / सेंट्रल KYC रिकॉर्ड्स रजिस्ट्री (CKYCR) का प्रबंधन कौन करता है?
a) RBI
b) SEBI
c) CERSAI
d) FIU-INDIA
e) Ministry of Finance
Answer: c) CERSAI
Explanation: CERSAI ko hi Central KYC Records Registry (CKYCR) ka prabandhan karne ka jima diya gaya hai.
Q19. What is the maximum repayment tenure allowed for a loan under the PMAY-U 2.0 scheme? / PMAY-U 2.0 योजना के तहत लोन के लिए अधिकतम पुनर्भुगतान अवधि कितनी है?
a) 12 years
b) 20 years
c) 15 years
d) 30 years
e) 25 years
Answer: b) 20 years
Explanation: PMAY-U 2.0 ke tahat vyaj subsidy ka labh adhiktam 20 saal ki loan avadhi ke liye milta hai.
Q20. MUDRA stands for? / MUDRA का पूरा नाम क्या है?
a) Mutual Deposit Refinance Assistance
b) Micro Urban Development Resource Agency
c) Multi Utility Development Reform Authority
d) Micro Units Development & Refinance Agency
Answer: d) Micro Units Development & Refinance Agency
Explanation: MUDRA ek refinance sanstha hai jo Micro Units ke vikas ke liye banks ko suvidha pradan karti hai.
Q21. What is the daily stipend amount provided to artisans during the mandatory basic training under PM Vishwakarma? / PM Vishwakarma के तहत अनिवार्य बेसिक ट्रेनिंग के दौरान कारीगरों को प्रतिदिन भत्ता कितना दिया जाता है?
a) ₹500/day
b) ₹2,000/day
c) ₹250/day
d) ₹1,000/day
e) ₹1,500/day
Answer: a) ₹500/day
Explanation: PM Vishwakarma yojana mein karigaro ko unki training ke dauran ₹500 prati din ka stipend diya jata hai.
Q22. Fill in the blank: 'We can easily know what's _____ in other parts of the world.' / रिक्त स्थान भरें: 'We can easily know what's _____ in other parts of the world.'
a) Walking
b) Happening
c) Jumping
d) Here
e) Eating
Answer: b) Happening
Explanation: Vakya ka sahi arth hai 'Hum aasani se jaan sakte hain ki duniya ke baki hisso mein kya ho raha hai (happening).'
Q23. PNB RuPay Metal Credit Card 'Luxura' provides Travel Insurance cover for baggage loss up to how much? / PNB RuPay Metal Credit Card 'Luxura' में ट्रैवल इंश्योरेंस (बैगेज लॉस) का अधिकतम कवर कितना है?
a) ₹15,000
b) ₹25,000
c) ₹50,000
d) ₹20,000
e) ₹10,000
Answer: c) ₹50,000
Explanation: PNB ke Luxura credit card mein baggage loss par ₹50,000 tak ka insurance cover milta hai.
Q24. What is the minimum percentage of the judgment amount a borrower must deposit to appeal DRT decision to DRAT? / DRAT में अपील के लिए न्यूनतम जमा प्रतिशत क्या है?
a) 10%
b) 25%
c) 40%
d) 50%
Answer: d) 50%
Explanation: DRT ke faisle ke khilaf appeal karne ke liye loan ki rakam ka 50% deposit karna hota hai (Tribunal ise kam kar sakta hai par niyam 50% hai).
Q25. What is the maximum eligible credit limit for PSBs under the CGTMSE scheme? / CGTMSE योजना के तहत PSBs के लिए अधिकतम योग्य क्रेडिट सीमा कितनी है?
a) Up to ₹10 crores
b) Up to ₹2 crores
c) Up to ₹5 crores
d) Up to ₹25 crores
Answer: c) Up to ₹5 crores
Explanation: CGTMSE ab ₹5 crore tak ke loans ko guarantee cover pradan karta hai.
Q26. What is the deadline for submitting a Suspicious Transaction Report (STR) to FIU-INDIA? / FIU-INDIA को Suspicious Transaction Report (STR) जमा करने की अंतिम तिथि क्या है?
a) Within 30 days
b) Within 7 days from confirmation of suspicion
c) Quarterly
d) By 15th of the succeeding month
e) Weekly on Friday
Answer: b) Within 7 days from confirmation of suspicion
Explanation: Sandeh pakka hone ke 7 dino ke bhitar STR report FIU-INDIA ko bhejna anivarya hai.
Q27. ASBA stands for? / ASBA का पूरा नाम क्या है?
a) Allocated Securities Bidding Authority
b) Automated Savings Bank Application
c) Account Standard Balance Agreement
d) Application Supported by Blocked Amount
Answer: d) Application Supported by Blocked Amount
Explanation: ASBA IPO mein nivesh karne ka ek tarika hai jahan rakam block ho jati hai aur sirf share milne par katti hai.
Q28. What is the prescribed Periodic Updation frequency for Medium Risk customers? / Medium Risk ग्राहकों के लिए निर्धारित Periodic Updation की आवृत्ति कितनी है?
a) At least once in 1 year
b) At least once in 10 years
c) At least once in 8 years
d) At least once in 5 years
e) At least once in 2 years
Answer: c) At least once in 8 years
Explanation: KYC updation: High Risk (2 saal), Medium Risk (8 saal) aur Low Risk (10 saal).
Q29. From which date did Punjab National Bank (PNB) migrate its official website to secure domain www.pnb.bank.in? / किस तारीख से पंजाब नेशनल बैंक (PNB) ने अपनी आधिकारिक वेबसाइट को सुरक्षित डोमेन www.pnb.bank.in पर माइग्रेट किया?
a) 1st September 2025
b) 31st October 2025
c) 15th August 2025
d) 19th August 2025
e) 1st August 2025
Answer: d) 19th August 2025
Explanation: Bank ne suraksha badhane ke liye 19 August 2025 ko apni website naye secure domain par shift ki.
Q30. What is the maximum time limit for banks to settle a deceased deposit claim after receiving all documents? / सभी दस्तावेज प्राप्त करने के बाद बैंक द्वारा मृतक जमा दावा निपटाने की अधिकतम समय सीमा कितनी है?
a) 15 calendar days
b) 7 calendar days
c) 60 calendar days
d) 30 calendar days
e) 45 calendar days
Answer: a) 15 calendar days
Explanation: Sabhi sahi documents milne ke 15 dino ke bhitar bank ko mritak ka claim settle karna hota hai.
Q31. Which Ministry launched the DAY-NRLM scheme? / DAY-NRLM योजना किस मंत्रालय ने शुरू की?
a) Ministry of MSME
b) Ministry of Finance
c) Ministry of Housing and Urban Affairs
d) Ministry of Rural Development, GOI
Answer: d) Ministry of Rural Development, GOI
Explanation: Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) Gramin Vikas Mantralaya ki yojana hai.
Q32. What is the Cash Reserve Ratio (CRR) effective from the reporting fortnight beginning November 29, 2025? / 29 नवंबर 2025 से शुरू होने वाले रिपोर्टिंग पखवाड़े के लिए Cash Reserve Ratio (CRR) क्या है?
a) 4.00% of NDTL
b) 3.50% of NDTL
c) 3.25% of NDTL
d) 3.00% of NDTL
e) 4.50% of NDTL
Answer: e) 4.50% of NDTL
Explanation: CRR (Cash Reserve Ratio) vah rakam hai jo banks ko RBI ke paas nagad rakhni hoti hai, vartaman mein yeh 4.50% hai.
Q33. What is the maximum additional compensation the Ombudsman can award for mental agony and harassment? / मानसिक पीड़ा और उत्पीड़न के लिए Ombudsman अधिकतम कितनी अतिरिक्त मुआवजा राशि दे सकते हैं?
a) Up to ₹10 lakh
b) Up to ₹1 lakh
c) Up to ₹5 lakh
d) Up to ₹20 lakh
e) Up to ₹50,000
Answer: b) Up to ₹1 lakh
Explanation: Mansik pareshani ke liye Ombudsman ₹1 lakh tak ka muawja dila sakte hain.
Q34. What is the provisioning percentage for a secured Sub-standard asset? / सिक्योर्ड सब-स्टैंडर्ड एसेट में प्रोविजन कितना है?
a) 15%
b) 10%
c) 25%
d) 20%
Answer: a) 15%
Explanation: Secured Sub-standard assets par 15% provisioning karni hoti hai.
Q35. What is the consequence if the amount is not specifically mentioned in an Attachment Order? / यदि Attachment Order में राशि निर्दिष्ट नहीं है तो परिणाम क्या होगा?
a) Only clear balance is attached
b) Bank must contact the revenue authority
c) Order is invalid
d) It converts to a Garnishee Order
e) Full balance is attached
Answer: e) Full balance is attached
Explanation: Agar attachment order mein rakam nahi likhi hai, toh us samay khate mein maujood pura balance attach mana jayega.
Q36. Under which legal provision is a Garnishee Order issued by the court? / किस कानूनी प्रावधान के तहत कोर्ट द्वारा Garnishee Order जारी किया जाता है?
a) Sec 60 order 21 rule 46A-46E of CPC 1908
b) Sec 42(1) of RBI Act
c) Sec. 226(3) of Income Tax Act 1961
d) Sec 24 of BR Act
e) Sec 171 of Indian Contract Act
Answer: a) Sec 60 order 21 rule 46A-46E of CPC 1908
Explanation: Garnishee Order Civil Procedure Code (CPC) ke tahat court dwara jari kiya jata hai.
Q37. How many days does the payee have to send a notice to the drawer after the cheque is returned dishonored? / चेक अस्वीकार होने के बाद, भुगतानकर्ता को ड्रावर को नोटिस भेजने के लिए कितने दिन का समय होता है?
a) 60 days
b) 15 days
c) 7 days
d) 30 days
e) 45 days
Answer: d) 30 days
Explanation: Cheque bounce hone ki soochana milne ke 30 dino ke bhitar payee ko legal notice bhejna hota hai.
Q38. What is the minimum outstanding required for reporting a Wilful Defaulter to credit information companies? / Wilful Defaulter रिपोर्ट के लिए न्यूनतम बकाया राशि कितनी होनी चाहिए?
a) Rs. 25 Lakh and above
b) Rs. 50 Lakh and above
c) Rs. 10 Lakh and above
d) Rs. 5 Lakh and above
Answer: a) Rs. 25 Lakh and above
Explanation: Wilful Defaulter reporting ke liye loan ki rakam kam se kam ₹25 lakh honi chahiye.
Q39. What is the maximum number of nominees allowed for a deposit account? / Deposit account के लिए अधिकतम कितने नामांकित व्यक्ति हो सकते हैं?
a) 1
b) 3
c) 4
d) 5
e) 2
Answer: c) 4
Explanation: Naye Banking Laws (Amendment) ke tahat ab ek khate mein adhiktam 4 nominee ho sakte hain.
Q40. Which of the following is the correct order of the jumbled sentence: Invited / are / the evening / we / party / in? / नीचे दिए गए जंबल वाक्य का सही क्रम कौन सा है?
a) Invited we are in the evening party
b) We are invited in the party evening
c) In the party evening invited we are
d) We are invited in the evening party
Answer: d) We are invited in the evening party
Explanation: Yeh vakya vyakaran (grammar) ke hisab se sahi kram mein hai.
Q41.If the Realisation Value of Security (RVS) is less than 10% of the outstanding, how is the account classified? / यदि RVS less than 10% है, खाता किस रूप में माना जाता है?
a) Loss Account
b) Doubtful DF-3
c) Sub-standard
d) SMA-2
Answer: a) Loss Account
Explanation: Agar security ki keemat loan ke 10% se bhi kam ho jaye, toh use seedhe Loss Asset maan liya jata hai.
Q42. What is the minimum age required for a minor to operate a self-operated bank account? / स्व-चालित बैंक खाता संचालित करने के लिए नाबालिग की न्यूनतम आयु क्या है?
a) 10 years
b) 7 years
c) 12 years
d) 5 years
e) 18 years
Answer: a) 10 years
Explanation: 10 saal se upar ka minor apna khata khud operate kar sakta hai.
Q43. What is the premium rate for Annual Commercial/Horticulture crops under PMFBY? / PMFBY के तहत वार्षिक वाणिज्यिक/बागवानी फसलों के लिए प्रीमियम दर कितनी है?
a) 1.5% of SI
b) 2% of SI
c) 3% of SI
d) 5% of SI
Answer: d) 5% of SI
Explanation: Commercial aur Horticulture crops ke liye PMFBY premium 5% hota hai.
Q44. When does a Term Loan become a Non-Performing Asset (NPA)? / टर्म लोन कब नॉन-परफॉर्मिंग एसेट (NPA) बन जाता है?
a) If overdue for more than 60 days
b) If overdue for 30 days
c) If installment overdue for more than 90 days
d) If installment overdue for 180 days
Answer: c) If installment overdue for more than 90 days
Explanation: Jab loan ki kist 90 dino se zyada baki rahe, toh use NPA classify kiya jata hai.
Q45. What is the maximum annual deposit limit permitted under the Sukanya Samriddhi Account (SSA) scheme? / Sukanya Samriddhi Account (SSA) योजना के तहत अधिकतम वार्षिक जमा सीमा कितनी है?
a) ₹1,00,000
b) No limit
c) ₹1,50,000
d) ₹50,000
e) ₹2,50,000
Answer: c) ₹1,50,000
Explanation: SSA mein ek saal mein adhiktam ₹1,50,000 jama kiye ja sakte hain.
Q46. What is the minimum loan amount stipulated for the 3rd Dose under DAY-NRLM? / DAY-NRLM के तहत तीसरे डोज के लिए न्यूनतम ऋण राशि कितनी है?
a) Rs. 6,00,000
b) Rs. 1,50,000
c) Rs. 4,00,000
d) Rs. 3,00,000
Answer: a) Rs. 6,00,000
Explanation: SHG groups ko 3rd dose ke roop mein kam se kam ₹6 lakh ka loan diya jata hai.
Q47. What is the overall Priority Sector Lending target for Regional Rural Banks (RRBs)? / Regional Rural Banks (RRBs) के लिए कुल प्राथमिकता क्षेत्र ऋण लक्ष्य कितना है?
a) 40%
b) 75%
c) 60%
d) 80%
Answer: b) 75%
Explanation: RRBs ke liye PSL target 75% hai jabki normal commercial banks ke liye 40% hai.
Q48. What is the accidental insurance cover amount for new PMJDY joinees after August 28, 2018? / 28 अगस्त 2018 के बाद नए PMJDY जोइनीज़ के लिए आकस्मिक बीमा कवरेज राशि कितनी है?
a) Rs. 5 lakh
b) Rs. 1 lakh
c) Rs. 30,000
d) Rs. 2 lakh
e) Rs. 10 lakh
Answer: d) Rs. 2 lakh
Explanation: 28 Aug 2018 ke baad khule khaton ke liye accidental insurance cover ₹2 lakh hai.
Q49. What is the maximum subsidy amount for 2nd PMEGP financial assistance in NER and Hill States (Manufacturing)? / NER और पहाड़ी राज्यों में PMEGP की दूसरी वित्तीय सहायता के लिए अधिकतम सब्सिडी राशि कितनी है (Manufacturing)?
a) Rs. 20 Lakh
b) Rs. 35 Lakh
c) Rs. 15 Lakh
d) Rs. 25 Lakh
Answer: b) Rs. 35 Lakh
Explanation: NER/Hill states mein Manufacturing ke liye subsidy seema ₹35 lakh tak hoti hai.
Q50. What is the maximum claim amount for NPA cases referred to General Lok Adalat? / लोक अदालत में NPA दावे की अधिकतम सीमा क्या है?
a) Rs. 20 Lakh
b) Rs. 10 Lakh
c) Rs. 50 Lakh
d) No Limit
Answer: d) No Limit
Explanation: Lok Adalat mein NPA mamlo ki koi adhiktam seema nahi hai, halaki ₹20 lakh tak ke mamle prathmikta par liye jate hain.
Q51. Which customer category includes salaried employees and pensioners? / कौन सी ग्राहक श्रेणी में वेतनभोगी कर्मचारी और पेंशनर आते हैं?
a) NRI risk
b) High risk
c) Low risk
d) HNI risk
e) Medium risk
Answer: c) Low risk
Explanation: Salaried aur pensioners ko Low Risk category mein rakha jata hai kyuki unki income source fixed hoti hai.
Q52. What is the extent of guarantee coverage provided for Women MSEs up to ₹10 Crore under CGTMSE? / CGTMSE के तहत ₹10 करोड़ तक महिला MSE को प्रदान की जाने वाली गारंटी कवरेज कितनी है?
a) 85%
b) 80%
c) 90%
d) 75%
Answer: c) 90%
Explanation: Mahila MSEs ko badhava dene ke liye CGTMSE 90% tak guarantee cover deta hai.
Q53. What is the maximum number of partners allowed in a Partnership Firm, as notified by the Government? / सरकार द्वारा अधिसूचित Partnership Firm में अधिकतम भागीदारों की संख्या कितनी है?
a) 100
b) 50
c) 200
d) Unlimited
e) 20
Answer: b) 50
Explanation: Companies Act 2013 ke anusar partnership firm mein adhiktam 50 partners ho sakte hain.
Q54. Which type of nomination is permitted for Safe Deposit Lockers and Safe Custody articles? / Safe Deposit Locker और Safe Custody articles के लिए किस प्रकार का नामांकन अनुमति है?
a) Joint Nomination
b) Multiple Nominations
c) Simultaneous Nomination
d) Single Nomination only
e) Successive Nomination
Answer: d) Single Nomination only
Explanation: Locker ke liye mukhya roop se single nomination hota hai (Halaanki naye rules mein badlav prastavit hain).
Q55. Choose the incorrect spelling? / गलत वर्तनी चुनें।
a) Jupitar
b) Bridge
c) Fulfill
d) Artificial
Answer: a) Jupitar
Explanation: Sahi spelling 'Jupiter' hai, 'Jupitar' galat hai.
Q56. What is the minimum outstanding amount for a loan to be eligible for action under SARFAESI Act? / SARFAESI कार्रवाई के लिए न्यूनतम बकाया राशि कितनी होनी चाहिए?
a) More than Rs. 5 lakh
b) More than Rs. 50,000
c) More than Rs. 1 lakh
d) More than Rs. 10 lakh
Answer: c) More than Rs. 1 lakh
Explanation: SARFAESI action tabhi ho sakta hai jab baki rakam ₹1 lakh se adhik ho.
Q57. What is the maximum term loan amount allowed per year for an Aadhaar OTP-Based e-KYC account? / आधार OTP-आधारित e-KYC खाते के लिए प्रति वर्ष अधिकतम टर्म लोन राशि कितनी है?
a) No Limit
b) ₹2,00,000
c) ₹50,000
d) ₹60,000
e) ₹1,00,000
Answer: d) ₹60,000
Explanation: OTP based e-KYC accounts (limited accounts) mein ek saal mein adhiktam ₹60,000 tak ka loan diya ja sakta hai.
Q58. Menu to check pending work before DAY END activity? / डे एंड के पहले पेंडिंग कार्य चेक करने का CBS मेनू?
a) HSCODCHK
b) HSCOLD
c) HSCOD
d) HSVALRPT
Answer: c) HSCOD
Explanation: Finacle mein SOL closure (Day end) se pehle pending works dekhne ke liye HSCOD menu hai.
Q59. What is the maximum loan limit against NWR/e-NWR for individual farmers for up to 12 months? / व्यक्तिगत किसानों के लिए NWR/e-NWR के विरुद्ध अधिकतम ऋण सीमा (12 महीनों तक) कितनी है?
a) ₹90 lakh
b) ₹2.5 crore
c) ₹75 lakh
d) ₹60 lakh
Answer: c) ₹75 lakh
Explanation: e-NWR (Electronic Negotiable Warehouse Receipt) ke badle loan limit ₹75 lakh hai.
Q60. What is the maximum Statutory Liquidity Ratio (SLR) percentage of NDTL permitted by the BR Act? / BR Act द्वारा NDTL पर अधिकतम Statutory Liquidity Ratio (SLR) प्रतिशत कितना है?
a) 40%
b) 100%
c) 60%
d) 18%
e) 25%
Answer: a) 40%
Explanation: Banking Regulation Act ke anusar SLR adhiktam 40% ho sakta hai.
Q61. How many Officially Valid Documents (OVDs) are recognized for identity and/or address proof? / पहचान और/या पते के प्रमाण के लिए कितने Officially Valid Documents (OVDs) मान्यता प्राप्त हैं?
a) Five
b) Seven
c) Ten
d) Six
e) Four
Answer: d) Six
Explanation: OVDs 6 hain: Passport, Voter ID, Driving License, Aadhaar, MNREGA card aur NPR letter.
Q62. What is the mandated annual growth rate target in the number of MSME accounts for commercial banks? / वाणिज्यिक बैंकों के लिए MSME खातों की संख्या में अनिवार्य वार्षिक वृद्धि दर लक्ष्य कितनी है?
a) 20%
b) 5%
c) 40%
d) 60%
e) 10%
Answer: e) 10%
Explanation: Banks ko MSME accounts ki sankhya mein 10% ki varshik vriddhi karni hoti hai.
Q63. What is the maximum loan limit for health-care facilities in Tier II to Tier VI centres under Social Infrastructure PSL? / Social Infrastructure PSL के तहत Tier II से Tier VI केंद्रों में स्वास्थ्य सुविधाओं के लिए अधिकतम ऋण सीमा कितनी है?
a) Up to ₹35 crores
b) Up to ₹50 crores
c) Up to ₹12 crores
d) Up to ₹8 crores
e) Up to ₹10 crores
Answer: e) Up to ₹10 crores
Explanation: Social Infrastructure ke tahat health care facilities ke liye ₹10 crore tak ka loan PSL mein aata hai.
Q64. Which banking facility is specifically mentioned as being subject to the operation of Clayton's rule? / कौन सी बैंकिंग सुविधा विशेष रूप से Clayton's rule के अधीन होने के रूप में उल्लेखित है?
a) Fixed Deposit Account
b) Letter of Credit
c) Term Loan
d) CC/OD Account
e) Savings Bank Account
Answer: d) CC/OD Account
Explanation: Clayton's Rule (First in First out) hamesha running accounts jaise CC/OD par lagoo hota hai.
Q65. Which foundational document of a company is referred to as the 'outward charter', defining external relationships? / कंपनी के किस बुनियादी दस्तावेज को 'outward charter' कहा जाता है, जो बाहरी संबंधों को परिभाषित करता है?
a) Board Resolution
b) Certificate of Incorporation (COI)
c) Memorandum of Association (MOA)
d) Articles of Association (AOA)
e) Certificate of Commencement of Business
Answer: c) Memorandum of Association (MOA)
Explanation: MOA company ke external relationships aur powers ko define karta hai.
Q66. How often must the CRILC – Main report be sent to RBI? / CRILC – Main रिपोर्ट RBI को कितनी बार भेजी जानी चाहिए?
a) Quarterly
b) Half-yearly
c) Monthly
d) Daily
e) Weekly
Answer: c) Monthly
Explanation: Central Repository of Information on Large Credits (CRILC) report monthly bheji jati hai.
Q67. What is the Education Loan limit under Priority Sector Lending? / प्राथमिकता क्षेत्र के अंतर्गत शिक्षा ऋण की सीमा कितनी है?
a) ₹15 lakh
b) ₹25 lakh
c) ₹20 lakh
d) ₹10 lakh
Answer: c) ₹20 lakh
Explanation: PSL ke tahat education loan ki limit ₹20 lakh hai.
Q68. Under which condition can a loan given to a minor be recovered from his property? / किस स्थिति में नाबालिग को दिया गया ऋण उसकी संपत्ति से वसूला जा सकता है?
a) Education abroad
b) Speculative purpose
c) Necessity purpose
d) Investment purpose
e) Business expansion
Answer: c) Necessity purpose
Explanation: Agar minor ko necessities (jarurato) ke liye loan diya jaye, toh uski property se vasoola ja sakta hai.
Q69. For a Long Duration Crop loan, how many crop seasons overdue result in NPA classification? / लंबी अवधि फसल ऋण में कितने फसल मौसम ओवरड्यू होने पर NPA बनता है?
a) Two crop seasons
b) Three crop seasons
c) Six Months
d) One crop season
Answer: d) One crop season
Explanation: Long duration crops ke liye 1 season overdue hone par loan NPA ho jata hai.
Q70. What is the initial validity period of a Small Account? / Small Account की प्रारंभिक वैधता अवधि कितनी है?
a) 18 months
b) 3 months
c) 12 months
d) 24 months
e) 6 months
Answer: c) 12 months
Explanation: Small accounts 12 mahine ke liye valid hote hain, jise aage extend kiya ja sakta hai.
Q71. In an Attachment Order, does the order cover subsequent deposits made after the order is received? / क्या Attachment Order में आदेश प्राप्त होने के बाद की गई जमा राशि शामिल होती है?
a) Only in case of government guaranteed loans
b) Yes, until the claim is fully satisfied
c) No, never
d) Only if the amount is less than Rs. 5 lakh
e) Only if the order NISI is converted
Answer: b) Yes, until the claim is fully satisfied
Explanation: Attachment orders (Income tax etc.) mein baad mein aane wala paisa bhi attach hota hai (Garnishee order se alag).
Q72. How often must banks review their Marginal Cost of Funds Based Lending Rate (MCLR)? / बैंकों को अपने Marginal Cost of Funds Based Lending Rate (MCLR) की समीक्षा कितनी बार करनी चाहिए?
a) Monthly basis
b) Weekly
c) Quarterly basis
d) Daily
e) Annually
Answer: a) Monthly basis
Explanation: RBI ke anusar MCLR ki review har mahine honi chahiye.
Q73. Under which section of the RBI Act is CRR maintenance specified? / RBI अधिनियम के किस खंड के तहत CRR बनाए रखने का उल्लेख है?
a) Sec 35A
b) Sec 42(1)
c) Sec 24
d) Sec 45ZA
e) Sec 17
Answer: b) Sec 42(1)
Explanation: Sec 42(1) RBI Act CRR ke baare mein hai.
Q74. Under the PMEGP scheme, the loan subsidy amount is kept in the form of: / PMEGP योजना के तहत ऋण सब्सिडी राशि किस रूप में रखी जाती है?
a) Interest Free Fixed Deposit
b) Interest Free Current Account
c) Non-Transferable Bond
d) Interest Bearing Fixed Deposit
Answer: a) Interest Free Fixed Deposit
Explanation: PMEGP subsidy (margin money) ko 3 saal ke liye interest free FD mein rakha jata hai.
Q75. On which day from the date of decision are the Minutes of the MPC meeting uploaded? / निर्णय की तारीख से MPC बैठक की मिनट्स किस दिन अपलोड की जाती हैं?
a) 10th day
b) 7th day
c) 14th day
d) 30th day
e) 21st day
Answer: c) 14th day
Explanation: MPC meeting ke 14 dino baad minutes upload kiye jate hain.
Q76. What is the maximum investment in plant and machinery allowed for a Medium Enterprise? / Medium Enterprise के लिए संयंत्र और मशीनरी में अधिकतम निवेश कितना हो सकता है?
a) Rs. 25 Crore
b) Rs. 50 Crore
c) Rs. 500 Crore
d) Rs. 10 Crore
e) Rs. 125 Crore
Answer: b) Rs. 50 Crore
Explanation: Medium Enterprise ke liye investment limit ₹50 crore hai.
Q77. Fill in the blank: 'The Internet is also a useful _____ platform.' / रिक्त स्थान भरें: 'The Internet is also a useful _____ platform.'
a) Cooking
b) Gossiping
c) Running
d) Learning
e) Sleeping
Answer: d) Learning
Explanation: Internet seekhne ke liye ek upyogi platform hai.
Q78. What is the transaction threshold for reporting a Cross-border wire transfer to FIU-INDIA? / FIU-INDIA को Cross-border वायर ट्रांसफर रिपोर्ट करने की लेनदेन सीमा क्या है?
a) above Rs. 5 lakh
b) above Rs. 10 lakh
c) above Rs. 25 lakh
d) above Rs. 50 lakh
e) above Rs. 1 lakh
Answer: a) above Rs. 5 lakh
Explanation: Ek mahine mein ₹5 lakh se zyada ke cross border transfers ki report FIU ko di jati hai.
Q79. Fill in the blank: 'We have machines that can't run without internet _____.' / रिक्त स्थान भरें: 'We have machines that can't run without internet _____.'
a) Paid
b) Supply
c) Connection
d) Teacher
e) Oxygen
Answer: c) Connection
Explanation: Machines ko internet connection ki jarurat hoti hai.
Q80. What is the total annual premium per member for the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)? / प्रधान मंत्री जीवन ज्योति बीमा योजना (PMJJBY) के लिए प्रति सदस्य कुल वार्षिक प्रीमियम कितना है?
a) Rs. 228
b) Rs. 114
c) Rs. 20
d) Rs. 436
e) Rs. 342
Answer: d) Rs. 436
Explanation: PMJJBY ka varshik premium ₹436 hai.
Q81. What is the maximum age limit for coverage under the Pradhan Mantri Suraksha Bima Yojana (PMSBY)? / प्रधान मंत्री सुरक्षा बीमा योजना (PMSBY) के तहत कवरेज की अधिकतम आयु सीमा क्या है?
a) 75 years
b) 50 years
c) 70 years
d) 60 years
e) 80 years
Answer: c) 70 years
Explanation: PMSBY mein 18 se 70 varsh ke log shamil ho sakte hain.
Q82. CBS Menu for destroying a Cheque Book? / चेकबुक नष्ट करने का CBS मेनू?
a) CHBD
b) HCHBD
c) HCHBM
d) CHBM
Answer: b) HCHBD
Explanation: Finacle mein unused cheque books destroy karne ka menu HCHBD hai.
Q83. What is the most suitable synonym for the word 'Injured'? / 'Injured' शब्द का सबसे उपयुक्त पर्यायवाची शब्द कौन सा है?
a) Wounded
b) Tolerance
c) Shrill
d) Influence
Answer: a) Wounded
Explanation: Injured ka matlab hota hai ghayal ya chotil (Wounded).
Q84. What is the incentive percentage paid to banks for deposits unclaimed for a period of 8 to 10 years? / 8 से 10 वर्षों तक अविकसित जमा राशि पर बैंकों को दिया जाने वाला प्रोत्साहन प्रतिशत कितना है?
a) 7% or ₹15,000
b) 7.5% or ₹25,000
c) 6% or ₹10,000
d) 5% or ₹5,000
e) 10% or ₹50,000
Answer: b) 7.5% or ₹25,000
Explanation: Unclaimed deposits ko track karne ke liye banks ko incentives diye jate hain. DEAF scheme ke anusar 8-10 saal ke liye 7.5% ya ₹25,000 (jo bhi zyada ho) milta hai.
Q85. What is the enhanced interest-free festival advance limit for Clerical Staff? / क्लेरिकल स्टाफ के लिए बढ़ी हुई ब्याज मुक्त त्योहार अग्रिम सीमा कितनी है?
a) ₹70,000/-
b) ₹50,000/-
c) ₹1,00,000/-
d) ₹60,000/-
e) ₹1,20,000/-
Answer: d) ₹60,000/-
Explanation: Staff ko milne wala festival advance ab badhakar ₹60,000 tak kar diya gaya hai.
Q86. Which right allows a creditor to retain possession of a debtor's goods until dues are paid? / कौन सा अधिकार लेनदार को देनदार के सामान पर कब्ज़ा बनाए रखने की अनुमति देता है जब तक देनदारी का भुगतान नहीं होता?
a) Right of Lien
b) Right of Pledge
c) Right of Hypothecation
d) Right of Set-off
e) Right of Appropriation
Answer: a) Right of Lien
Explanation: Lien (Grahanadhikar) bank ko saman tab tak rokne ka adhikaar deta hai jab tak karz na chuke.
Q87. How many days does the bank have to reply to a borrower's objection under SARFAESI Sec 13(3a)? / SARFAESI 13(3a) के अंतर्गत बैंक को उत्तर देने की अवधि कितनी है?
a) 15 days
b) 7 days
c) 45 days
d) 30 days
Answer: a) 15 days
Explanation: Borrower ke objection ka jawab bank ko 15 dino ke bhitar dena hota hai.
Q88. Fill in the blank: 'The Internet is used for _____ sharing.' / रिक्त स्थान भरें: 'The Internet is used for _____ sharing.'
a) Plant
b) Gadget
c) Stone
d) Information
e) Water
Answer: d) Information
Explanation: Internet information sharing ke liye upyog hota hai.
Q89. Under which Section of the BR Act, 1949, has RBI issued guidelines on KYC/AML? / BR Act, 1949 के किस सेक्शन के तहत RBI ने KYC/AML पर दिशानिर्देश जारी किए हैं?
a) Sec. 5
b) Sec. 42(1)
c) Sec. 35A
d) Sec. 11
e) Sec. 24
Answer: c) Sec. 35A
Explanation: Sec 35A BR Act RBI ko banks ko nirdesh dene ki shakti deta hai.
Q90. What is the interest subsidy percentage provided on working capital loans under the PM SVANidhi scheme? / PM SVANidhi योजना के तहत वर्किंग कैपिटल लोन पर प्रदान की गई ब्याज सब्सिडी प्रतिशत क्या है?
a) 7%
b) 5%
c) 10%
d) 8%
e) 4%
Answer: a) 7%
Explanation: SVANidhi loan par 7% interest subsidy milti hai.
Q91. What is the revised Vehicle loan limit for Clerk for a second-hand Car? / क्लर्क के लिए सेकेंड हैंड कार का संशोधित वाहन ऋण सीमा कितनी है?
a) ₹6 lakh
b) ₹12 lakh
c) ₹10 lakh
d) ₹18 lakh
e) ₹2 lakh
Answer: a) ₹6 lakh
Explanation: Staff loan policy ke anusar second hand car limit ₹6 lakh hai.
Q92. Using sanctioned loan funds for a different purpose than specified is an example of what? / स्वीकृत ऋण का उपयोग अन्य उद्देश्य में करना क्या कहलाता है?
a) Wilful default
b) Siphoning of Funds
c) Loss Asset
d) Diversion of Funds
Answer: d) Diversion of Funds
Explanation: Loan ka uddeshya badal dena Diversion of funds kehlata hai.
Q93. SARFAESI is not applicable if what percentage of the due amount has already been paid? / SARFAESI लागू नहीं होता, यदि कितने प्रतिशत भुगतान पहले ही हो चुका है?
a) 60%
b) 50%
c) 20%
d) 80%
Answer: d) 80%
Explanation: Agar 80% se zyada payment ho chuki hai, toh SARFAESI lagoo nahi hota.
Q94. What is the penalty rate if the SLR shortfall continues on the next day of the fortnight? / यदि SLR की कमी अगले पखवाड़े के दिन भी जारी रहती है तो दंड दर क्या होगी?
a) Repo Rate + 5% p.a.
b) Bank Rate + 5% p.a.
c) Bank Rate + 3% p.a.
d) Repo Rate + 3% p.a.
e) Bank Rate + 2% p.a.
Answer: b) Bank Rate + 5% p.a.
Explanation: Shortfall jaari rehne par Bank rate + 5% penalty lagti hai.
Q95. India's CPI inflation forecast for FY 2025–26 was revised down to: / भारत का CPI मुद्रास्फीति पूर्वानुमान FY 2025–26 के लिए संशोधित करके कितना किया गया?
a) 4.0%
b) 2.0%
c) 2.6%
d) 4.1%
Answer: d) 4.1%
Explanation: RBI ne FY 26 ke liye inflation forecast 4.1% ke aaspass rakha hai.
Q96. How many parties are involved in a Promissory Note? / Promissory Note में कितने पक्ष शामिल होते हैं?
a) 5 (Maker, Drawer, Drawee, Payee, Endorsee)
b) 3 (Drawer, Drawee, Payee)
c) 6 (Maker, Drawer, Drawee, Acceptor, Payee, Endorsee)
d) 4 (Drawer, Drawee, Payee, Endorsee)
e) 2 (Maker and Payee)
Answer: e) 2 (Maker and Payee)
Explanation: Promissory note mein sirf maker aur payee hote hain.
Q97. If a customer negligently leaves goods at the bank, what is the bank's relationship with the customer? / यदि ग्राहक लापरवाही से सामान बैंक में छोड़ देता है, तो बैंक का संबंध क्या होगा?
a) Hypothecatee and Hypothecator
b) Debtor and Creditor
c) Lessor and Lessee
d) Pledgee and Pledger
e) Trustee and Beneficiary
Answer: e) Trustee and Beneficiary
Explanation: Bhool se chhode gaye saman ke liye bank trustee hota hai.
Q98. Fill in the blank: 'They _____ their products over the internet.' / रिक्त स्थान भरें: 'They _____ their products over the internet.'
a) Buy
b) Burn
c) Bought
d) Ignore
e) Sell
Answer: e) Sell
Explanation: Internet par products sell (beche) jate hain.
Q99. A CC/OD account is immediately deemed 'Out of Order' if the stock statement is older than which period? / CC/OD खाता 'Out of Order' कब माना जाता है जब स्टॉक स्टेटमेंट कितने समय पुराना हो?
a) 1 month
b) 2 months
c) 6 months
d) 3 months
Answer: d) 3 months
Explanation: 3 mahine se zyada purana stock statement hone par account Out of Order mana jata hai.
Q100. What is the minimum loan amount for a Personal Loan to a Director of another bank that requires prior Board approval? / किसी अन्य बैंक के निदेशक को दिए जाने वाले पर्सनल लोन के लिए न्यूनतम राशि जो पहले बोर्ड अनुमोदन की मांग करती है, क्या है?
a) Rs. 5 Cr and above
b) Rs. 50 Lakh and above
c) Rs. 10 Cr and above
d) No limit
e) Rs. 25 Lakh and above
Answer: e) Rs. 25 Lakh and above
Explanation: Doosre bank ke directors ko ₹25 lakh se upar ka loan board approval ke bina nahi diya ja sakta.
