Section : General Knowledge and Banking Awareness

General Knowledge &

Banking Awareness
HISTORY OF BANKING Bank of India in 1955. In 1960, the state Bank of India was given
control of eight state-associated banks under the State Bank of
The first bank in India, though conservative, was established in
India (Subsidiary Banks) Act, 1956. These are now called its
From 1770 till today, the journey of the Indian Banking System be
segregated into three distinct phases. They are discussed below: associate banks. State Bank of lndia acts as the principal agent of
Phase I Early phase from 1786 to 1969. RBI. On 19th July, 1969, a major process of nationalisation were
Phase II Nationalisation of Indian Banks is 1969 and up to 1991, carried out. It was the effort of former Prime Minister of lndia, late
prior to Indian banking sector Reforms. Mrs. Indira Gandhi. 14 major commercial banks in the country
Phase III New phase of Indian Banking System with the advent were nationalised.
of Indian Financial & Banking Sector Reforms after 1991. The second phase of nationalisation of Indian Banking Sector
was carried out in 1980 with seven more banks. This step brought
Phase I 80% of the banking segment in India under Government
Banking in India dates back to the last decade of 18th century. ownership.
Bank of Hindustan was the first to be, established in 1770, but In summary, the following are the steps taken by the Government
liquidated in 1829-32. General Bank of India was restablished in of lndia to Regulate Banking Institutions in the Country:
1786 but failed in 1791. 1. 1949 : Enactment of Banking Regulation Act.
The East India Company established Bank of Bengal (1809), Bank 2 1955 : Nationalisation of State Bank oflndia.
of Bombay (1840) and Bank of Madras (1843) as independent 3. 1960: Nationalisation of SBI subsidiaries.
units and were called Presidency Banks. These three banks were 4. 1961 : Insurance cover extended to deposits.
amalgamated in 1920 and Imperial Bank of India was established - 5. 1969: Nationalisation of 14 major banks.
which started as a private shareholders bank with mostly 6. 1975 : Creation of regional rural banks.
Europeans shareholders. 7. 1980 : Nationalisation of seven banks with deposits over
In 1865 Allahabad Bank was established and for the first time 200 crore.
exclusively by Indians, Punjab National Bank Ltd. was set up in After the nationalisation of banks, the branches of the public
1894 with headquarters at Lahore. Between 1906 and 1913, Bank sector banks in India rose approximately 800% in deposits and
of India, Central Bank of India, Bank of Baroda, Canara Bank, advances took a huge jump by 11,000%.
Indian Bank, and Bank of Mysore were set up. Reserve Bank of
Phase III
lndia came in 1935. During the first phase the growth was very
slow and banks also experienced periodic failures between 1913 This phase has witnessed tremendous progress in the banking
and 1948. There were approximately 1100 banks, mostly small. To sector. In 1991, under the chairmanship of M Narasimhan, a
streamline the functioning and activities of commercial banks, the committee was set up which worked for the liberalisation of
Government of India came up with The Banking Companies Act, banking practices.
1949 which was later changed to Banking Regulation Act 1949 as Now-a-days the country is flooded with foreign banks and their
per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of ATM stations. Efforts are being put to give a satisfactory service
India was vested with extensive powers for the supervision of to customers. Phone banking and net banking has also been
banking in India as the Central Banking Authority. introduced. The entire system has become more convenient and
During those days public had lesser confidence in the banks. As swift and castomer friendly.
an aftermath, deposit mobilisation was slow. Abreast of it, the BANK NATIONALISATION IN INDIA
savings bank facility provided by the Postal department was
Reserve Bank of India was the first bank to be nationalsed on 1 st
comparatively safer. Moreover, funds were largely given to
January 1949 under the terms of the Reserve Bank of India
established traders.
(Transfer to Public Ownership) Act, 1948. The Banking Regulation
Phase II Act was passed in 1949 to confer on the RBI, the right to regulate,
Government took major steps to reform the Indian Banking Sector control and inspect the banks in India. So, RBI is the apex or
after independence. In 1955, it nationalised Imperial Bank of lndia Central Bank of the country then, in 1955, State Bank of India was
with extensive banking facilities on a large scale, specially in rural nationalised, followed by the nationalisation of the subsidiaries
and semi-urban areas.The Imperial Bank of lndia became the State of SBI in 1960.
F-2 General Knowledge & Banking Awareness

Name of the Bank Subsidiary with effect from LIBERALISATION

1. State Bank of Hyderabad 1st October 1959 In the early 1990s, the Narasimha Rao government embarked on a
2. State Bank of Bikaner 1st January 1960 policy of liberalization, licensing a small number of private banks.
3. State Bank of Jaipur 1st January 1960 These came to be known as New Generation tech savvy banks,
and included Global Trust Bank (the first of such new generation
4. State Bank of Saurashtra 1st May 1960
banks to be set up), which later amalgamated Oriental Bank of
5. State Bank of Patiala 1st April 1960
Commerce, Axis Bank(earlier known as UTI Bank).
6. State Bank of Mysore 1st March 1960
ICICI Bank and HDFC Bank.
7. State Bank of Indore 1st January 1968 This move, along with the rapid growth in the economy of India,
8. State Bank of Travancore 1st January 1960 revitalized the banking sector in India, which has seen rapid growth
With effect from 1 st January 1963, the State Bank of Bikaner and with strong contribution from all the three sectors of banks namely
State Bank of Jaipur were a malgamated. government banks, private banks and foreign banks.
In 1969, The Government of India issued an ordinance and The next stage for the Indian banking has been set with the
nationalised the 14 largest commercial banks with capitals proposed relaxation in the norms for Foreign Direct Investment,
exceeding 50 crores, with effect from the midnight of July 19,1969. where all Foreign Investors in banks may be given voting rights
Within two weeks of the issue of the ordinance, the Parliament which could exceed the present cap of 10%. At present it has
passed the Banking Companies (Acquisition and Transfer of gone up to 74% with some restrictions.
Undertaking) Bill, In March 2006, the Reserve Bank of India allowed Warburg Pincus
A second dose of nationalization of 6 more commercial banks to increase its stake in Kotak Mahindra Bank (a private sector
followed in 1980. bank) to 10%.
The Government Nationalized six more commercial private sector This is the first time an investor has been allowed to hold more
banks with deposit liability of not less than ` 200 crores on 15th than 5% in a private sector bank since the RBI announced norms
April 1980, viz. in 2005 that any stake exceeding 5% in the private sector banks
1. Andhra Bank.
would need to be vetted by them.
2. Corporation Bank.
3. New Bank if India. Banking History : at a glance
4. Oriental Bank of Commerce. Creation of Reserve bank of India: 1935
5. Punjab and Sind Bank. Nationalisation of Reserve Bank of India : 1949 (January)
6. Vijaya Bank. Enactment of Banking Regulation Act: 1949 (March)
With the second dose of nationalization, the Government of India Nationalisation of State Bank of India : 1955
controlled around 91% of the banking business of India. Later on, Nationalisation of SBI Subsidiaries: 1959
in the year 1993, the government merged New Bank of India with Nationalisation of 14 major Banks : 1969
Punjab National Bank. Creation of Credit Guarantee Corporation: 1971
It was the only merger between nationalized banks and resulted
Creation of Regional Rural Banks: 1975
in the reduction of the number of nationalised banks from 21 to
Nationalization of 7 more banks with deposits over `200 Crore:
20. After this, until the 1990s, the nationalised banks grew at a
1980
pace of around 4%, closer to the average growth rate of the Indian
economy. CLASSIFICATION OF BANKS
Consequences of Nationalisation Bank which are included in the Second Schedule of the Reserve
1. Because of liberal credit extension policy, default rate has Bank of India Act, 1934 are scheduled Banks. Scheduled Banks
risen. are further classified as Scheduled Commercial Banks and
2. Political interference has been an additional malady.
Scheduled Co-operative Banks. The Scheduled Commercial Banks
3. Poor appraisal during the loan melas conducted for credit
are further categorised into five different groups according to
disbursals, also increased the 10 sses of the banks.
4. The credit facilities extended to the priority sector at their ownership or nature of operation. These five bank groups
concessional rates, helped in their reviveal. are-
5. The high level of low yielding SLR investments adversely (i) State Bank of India and its Associates
affected the profitability of the banks. (ii) Nationalised Banks
6. The rapid branch expansion has reduced the profitability of (iii) Private Sector Banks
banks, primarily due to the increase in the fixed costs.
7. There was downward trend in the quality of services and (iv) Foreign Banks
efficiency of the banks. (v) Regional Rural Banks
General Knowledge & Banking Awareness F-3
new industrial units and in the expansion, modernisation
and rehabilitation of existing units. They also give technical
and managerial advice to these units. There banks are also
known as Development Banks. IDBI, ICICI, Industrial
Finance Corporation of lndia and state financial corporation
are example of Industrial Banks in our country.
3. Land Mortgage Banks : These banks provide long-term
finance to agriculturists to fulfill their credit needs for
purchasing tractors, cattle, tube wells etc. to increase their
productivity Loans are granted against mortgage of property.
These banks are also known as Agricultural Banks.
4. Merchant Banks : These are specialised banks which
provide financial services to business firms. They act as
issuing houses, under writers etc. SBI Capital Markets is a
leading example of Merchant Bank in India.
5. Exchange Banks : These banks provide financial for foreign
trade. They deal in foreign exchange and assist importers
Structure of the organised banking sector in India. Number of and exporters.
banks are in brackets. 6. Export- Import Banks: These provides insurance cover to
Growth of Banking in India the initiatives of the goverment has exporters against losses from non-payment of the importers
paid rich dividends and the Banking Sector has witressed as a means to promote the country's foreign trade.
tremendous growth. 7. Commercial Banks : These banks perform all kinds of
banking business. The accept deposits from the public and
CLASSIFICATION OF BANKS ON THE BASIS
provide loans and advances to customers.
OFTHEIR FUNCTION
In India, these are three types of commercial banks:
On the basis of functions, Classification of Banks may be classified (a) Public sector commercial banks which are owned by
into two broad categories-Specialised Banks & Regular Banks.
the government, such as Bank of Baroda, Allahabad
Types of Banks bank, etc.
(b) Private sector Commercial banks which are owned by
Specialised Banks Regular Banks private individuals. ICICI Bank, global Trust Bank. etc.
are examples of private sector commercial banks.
1. Central Banks 1. Commercial Banks
(c) Foreign banks which have been incorporated outside
2 Industrial Banks 2. Cooperative Banks
3. Land Mortgage Banks 3. Saving Banks India Ex- Citibank, ANZ grindlays. Standard chartered
4. Merchant Banks 4. Indigenous Banks Bank, etc.
5. Exchange Banks The state Bank of India is the largest commercial bank
6. Export- Import Banks in India. These banks are also knows as joint stock
A brief description of the functions of the various banks follows- banks because these are organized as joint stock
1 Central Bank : Central Bank is the apex institution which companies.
supervise and controls the entire banking system of the 8. Co-operative Banks : These banks are formed and set up
country. Every country has a central banks. The RBI is the on the principal of cooperation. They are registered under
central bank of our country. The main functions of a central cooperative societies Act. They accept deposits from the
bank are as follows- members and grant loans to them at low rate of interest.
(a) It has the monopoly of issuing currency notes.
9. Post office savings Banks : These banks are formed with
(b) If acts as Banker's agent and financial advisor to the
the aim of encouraging sawing and thrift among the people.
government.
In India, Postal Saving Bank is the most popular type of
(c) If acts as Banker's Bank.
(d) It is the controller of credit in the country. savings bank. Any one can deposit Money in a Post Office
(e) It is the custodian of the country's foreign exchange Savings Bank and can withdraw the same after a fixed period
reserves. or at a short notice. Both the principal amount and the interest
(f) It provides cleaning settlement and transfer facilities are guaranteed by the government of India.
to commercial banks. 10. Indigenous Bankers : These are money lenders who accept
2. Industrial Banks: These banks provide long-term and deposits and grant loans. They are popular in villages and
medium-term finance to industries. They help in the small towns. They charge a high rate of interest from the
promotion of new industries. They help in the promotion of borrowers.
F-4 General Knowledge & Banking Awareness

FUNCTIONS OF COMMERCIAL BANKS deposited. He can overdraw upto a specified limit for
Commercial banks perform two type of functions- an agreed period. Interest is charged on the amount
(i) Primary functions, & actually overdrawn during the period. Overdraft facility
(ii) Secondary functions. is generally offered to businessmen agains the security
(i) Primary Functions are further classified as- of some assets or on the personal security of the
(a) Accepting Deposits: customer. It is a temporary arrangement.
It is the main function of commercial banks. A commercial • Cash Credit-
bank accepts deposits from people who have surplus money. Under this arrangement, the bank advances cash loan
Banks after the following types of deposit schemes to attract up to a specified limit against current assets and other
saving from the people-
securities. The bank opens an account in the name of
• Fixed Deposit Account-
A fixed deposit is repayable after the expiry of the the borrower and allows him to withdraw the borrowed
specified period. The period may vary from 6 months money from time to time subject to the sanctioned limit
to 5 years. Deposits for more than one year are known Interest is charged on the amount actually withdrawn.
as 'term deposits'. Longer the period of deposits, higher • Loans & Advances-
is the rate of interest. The bank issues Fixed Deposit
A loan is a lump sum advance repayable on the expiry
Receipt (FDR) to the depositor, acknowledging the
amount received. FDR specifies the amount deposited, of the specified period. It may be secured or unsecured
the period of deposit, the rate of interest and name and Generally, a loan is granted against the security of
address as the depositor. The amount deposited is assets or the personal guarantee of the borrower.
repayable on maturity. In case the depositor needs Interest is charged on the whole amount sanctioned
money before the due date, he can borrow against the
• Discounting of Bills of Exchange-
deposit.
• Saving Deposit Account- Under this system, a customer can get the amount of
The aim of a savings account is to mobilise the small bill receivable from the bank before the date of maturity
savings of the public. A person can open a savings The bank pays the amount of the bill after deducting
deposit account by depositing a small sum of money. the usual discount (interest) charges. On the date of
He can withdraw money from his account and make
maturity, the bank presents the bill to the acceptor and
additional deposits at will. A cheque facility is available.
But, these may be some restrictions on the number of gets the amount. In case the bill so discounted is
withdrawals and the amount withdrawn. dishonoured, the bank claims the full amount from the
The rate of interest on savings deposits is lower than customer along with incidental charges.
fixed deposits. (ii) Secondary Functions-
• Recurring Deposit Account- The secondary functions of commercial banks are as under-
The aim or recurring or cumulative deposits is to
encourage regular savings by the people. A depositor (i) Agency Functions
can deposit a fixed amount, say `500 every month for As an agent of its customers, a commercial bank provides
a fixed period. The amount together with interest is the following services-
repayable on maturity. The rate of interest is higher • Collecting bills of exchange, promissory notes and
than that on savings account.
cheques.
• Current Deposit Account-
These are generally opened by business men. The • Collecting dividends, interest, rent, etc.
account-holder can deposit and withdraw money • Buying and selling shares, debentures and other
whenever desired. As the deposit is repayable on securities.
demand, current deposits are also known as demand • Payment of interest, insurance premium, taxes, *
deposits. Withdrawals are always made by ehegues subscriptions, etc.
Overdraft facility is available. No interest is paid on • Transferring funds from one branch to another and
current accounts by the banks. Rather, a certain
from one place to another.
incidental charge is made for the services rendered by
the bank.
• Acting as a trustee or executor.
(b) Lending Money: • Acting as an agent or representative while dealing with
This is the second primary function of the bank. With the other banks and financial institutions.
help of the money collected through various types of A commercial bank performs the above functions on
deposits, commercial banks lend finance to business men, behalf of and as per the instructions of its customers.
farmers, artisans and others. The main ways of lending (ii) General Utility Services
money are as follows:- Commercial banks also perform the following miscellaneous
• Over draft- functions:
Under this arrangement, a customer having a current • Providing lockers for the safe custody as jewellery,
account is allowed to withdraw more than he has valueable documents, etc.
General Knowledge & Banking Awareness F-5

• Giving references about the financial position as • Second bank

customers. –General Bank of India, 1786
• Providing information to a customer about the credit • Oldest bank in India originated in the Bank of Calcutta in
worthiness of other customers. June 1806 which was still in existence
• Supplying various types of trade information useful to –State Bank of lndia
customers. • State Bank of lndia merged with three banks namely Bank of
• Issuing letters of credit, pay orders, bank drafts, credit Bengal, Bank of Bombay and Bank of Madras in 1921 to
cards, traveller's cheques to customers. form the Imperial bank of India which was converted as
• Underwriting issues of shares and debentures. State Bank oflndia
• Providing foreign exchange to importers and travellers • Founder of Punjab National Bank is Lala Lajpat Rai
going abroad. • Reserve bank oflndia (RBI) was instituted in 1935
• Advising customers on financial and investment • First governor of RBI –Mr. Osborne Smith
matters. • First Indian Governor of RBI
–Mr. C D Deshmukh
FACTS ABOUT BANKING SYSTEM IN INDIA
• First bank to introduce savings account in India
• The first bank in India to be given an ISO Certification –Presidency Bank in 1833
–Canara Bank • First bank to introduce cheque system in India
• The first bank in Northern India to get ISO 9002 certification –Bengal Bank in 1833
for their selected branches • First bank to introduce internet banking
– Punjab and Sind Bank –ICICI bank
• The first Indian bank to have been started solely with Indian • First bank to introduce mutual fund
capital –State Bank of lndia
–Punjab National Bank
• First bank to introduce credit card in India-
• The first among the private sector banks in Kerala to become –Central Bank of lndia
a scheduled bank in 1946 under the RBI Act • Which cards are known as plastic money
–South Indian Bank
–Credit Cards
• India's oldest, largest and most successful commercial bank,
• Open market operations are carried out by –RBI
offering the widest possible range of domestic, international
• Capital market regulator is – SEBI
and NRI products and services, through its vast network in
India and overseas
• Largest Commercial bank in India State Bank of lndia
–State Bank of India The International Bank for Reconstruction and Dev
• India's second largest private sector bank and is now the elopment (IBRD) is known as
largest scheduled commercial bank in India –World Bank
–The Federal Bank Limited • India's First Financial Archive has been set up at
–Kolkata
• Bank which started as private shareholders banks, mostly
Europeans shareholders
• CRR, SLR, Repo Rate, Reverse Repo rate are decide by RBI
Savings banks interest rates, fixed deposit interest rates,
–Imperial Bank oflndia
Loan Rates etc. are decided by individual banks
• The first Indian bank to open a branch outside India in
• The bank which has launched Mobile Bank Accounts in
London in 1946 and the first to open a branch in continental
association with Vodafone's m -paisa
Europe at Paris in 1974
–HDFC Bank
–Bank of lndia, founded in 1906 in Mumbai
• Minimum money transfer limit through RTGS
• The oldest Public Sector Bank in India having branches all
–2 Lakhs
over India and serving the customers for the last 132 years. • Maximum money transfer limit through RTGS
–Allahabad Bank
–No Limit
• The first Indian commercial bank which was wholly owned • Minimum & Maximum money transfer limit through NEFT
and managed by Indians No Limit
–Central Bank of lndia • NABARD was established in – July, 1982
• Bank of lndia was founded in 1906 in Mumbai. It became the • Largest Public sector bank in India – SBI
first Indian bank to open a branch outside India in London • Largest Private sector bank in India – ICICI Bank
in 1946 and the first to open a branch in continental Europe • First Indian bank to open branch outside India i.e.
at Paris in 1974. London in 1946 : Bank of lndia
• First bank established in India • First RRB named Prathama Grameen Bank was started by:
–Bank of Hindustan in 1770 Syndicate Bank
F-6 General Knowledge & Banking Awareness

• First Bank to introduce ATM in India: HSBC in 1987, Mumbai Vishnu Sahay Committee: look probe into the Muzaffarnagar
The bank which approved loan of $500mn to help India communal violence.
improve Rail services – Asian Development Bank MICRO, SMALL AND MEDIUM ENTERPRISES
• FDI limit for new banks – 49% (MSME)
• FDI limit for private banks 74%
In accordance with the provision of MSMED Act, 2006. the Micro,
IMPORTANT COMMITTEES IN BANKING small and Medium Enterprise are classified as follows :
SECTOR 1. Manufacturing Enterprises : The enterprise engaged in
the manufacturing of goods pertaining to any industry
Anil Kaushal committee: to examine the recommendations made specified in the first schedule to the indust ries
by the TRAI on pricing of Spectrum.
(Development and regulation Act, 1951) or employing plant
Arvind Mayaram Committee : for giving clear definitions to
and machinery in the process of value addition to the final
Foreign Direct Investment (FDI) and Foreign Institutional product having a distinct name or character or use. The
Investment (FII)
manufacturing Enterprise is defined in terms of investment
Arvind Mayaram Panel: report on the alleged irregularities at the
in Plant & Machinery.
National Spot Exchange Ltd (NSEL) 2. Service Enterprises: The enterprise engaged in providing
B. Sambamurthy: panel favours single mobile banking app on all
or rendering of services and are defined in terms of
SIMs. Panel recommended that customers should not be required
investment in equipment.
to visit the bank branch for mobile number registration. MANUFACTURING SECTOR
Bimal Jalan panel : to scrutinize applications for new bank
Enterprises Investment in Plant & Machinen
licenses.
Micro Enterprises Does not exceed 25 lakhs
Damodran Committee: on improvement of customer services in Small Enterprises More than 25 lakhs but
banks
less than 5 crores
Deepak Mohanty Committee: on Data and Information
Medium Enterprises More than 5 crores but less than
Management in the Reserve Bank of lndia lOcrores
Justice A.P. Shah committee: to head panel on road safety
SERVICE SECTOR
K. M. Chandrasekhar committee: for rationalization of foreign
Enterprises Investments in equipment's
investment norms Micro Enterprises Less than 10 lakhs
K. U.B. Rao: the idea of setting up Bullion Bank or Bullion
Small Enterprises More than 10 lakhs less than 2 crores
Corporation of lndia
Medium Enterprises More than 2 crores less than 5 crores
K. K. Mehrotra Committee: to inquire gas leakage in Bhilai Steel
Plant. BANKING – LATEST TRENDS
Kirit Parikh panel: on fuel pricing has suggested that the diesel REAL TIME GROSS SETTLEMENT (RTGS)
prices should be increased by Rs. 1-1.50 a litre every month as It is a funds transfer system under which transfer of funds takes
against the 45-50 paise monthly hike followed currently. place from one bank to another on a 'Real Time' and 'Gross' basis,
M.P. Bezbaruah: to suggest suitable remedial measures to address settlement on 'Real Time' means there is no waiting period, in
concerns regarding security of people from North East. payment-transaction. The transaction is settled as soon as it is
Mukul Mudgal member panel to probe IPL spot fixing processed. 'Gross' settlement means the transaction is made on
Nachiket Mor Committee: to permits NBFCs to as Business work one to one basis.
Correspondents of banks.
P.J. Nayak: to review Governance of Boards of Banks in India Features of RTGS-
The committee was constituted under the chairmanship-of P.J. (i) The RTGS service is available to customers from 9:00 am to
Nayak. He is a former Chairman and CEO of Axis Bank. 3:00 pm on week days and from 9:00 am to 12:00 noon on
Parthasarathi Shome: for Tax Administration Reform commission Saturday.
(TARC), Suggest a system to enforce better tax compliance (ii) This facility is provided only by Core Banking Solution (CBS)
K.U.B. Rao Committee: recommended aligning gold import enabled bank branches.
regulations (iii) The minimum amount in a RTGS transaction is `two lacs.
M. Narasimham Committee: on Banking Sector Reforms (iv) The receiving bank must credit the customer's account
Pulak Kumar Sinha Committee: to study the feasibility Aadhaar
within two hours of receiving the funds transfer method.
as an additional factor for authentication of card present
transactions. • NATIONAL ELECTRONIC FUNDS
Suma Verma Committee: to update, and revise the Banking TRANSFER (NEFT)
Ombudsman Scheme, 2006
Urjit Patel Committee: to examine the current monetary policy It is an online system for transferring funds in which transfer
framework. of money takes place from one bank to another on net basis.
Vijay Kelkar Committee : was appointed by the Petroleum and Important points about NEFT-
Natural Gas Ministry to prepare a road map to make India self (i) NEFT functions on net settlement basis,
sufficient in oil and natural gas by 2030. (ii) Full information regarding the receiver's name, bank account
General Knowledge & Banking Awareness F-7
number, account type (savings or current), bank name, city, It refers to the banking services provided by the banks over
branch name, etc. has to be furnished to the bank at the time the internet. The common internet banking services offered
of requesting for such transfers. by banks are:
(iii) There is no minimum or maximum limit on the • Transactional Activities like funds transfers, bill
transactions of NEFT. For using NEFT, an eleven digit payments, loan applications, etc.
Indian Financial System (IFS) code is used. • Non-transactional activities like request for cheque
(iv) Fund transfer normally takes place on the same day or at the book, stop payment, on line statements, undating
most the next working day. contact information, etc.
(v) The banks generally charge some processing charges for (vii) Mobile Banking-
NEFT. Now-a-days, we can also use internet banking on our mobile
(vi) This facility is available at around 18,500 branches. phones using a w-fi or a 3G connection. Mobile banking
• BANK DRAFT allows customers of banks to perform banking transactions
through a mobile device.
Bank draft is an order issued by a bank on any branch of the
same bank to pay the specified amount to the person named POLICY RATES AND RESERVE RATIOS
in it. It is always payable on demand. It is also known as
'Demand Draft' or 'Banker's Draft'.
• Bank Rate: RBI lends to the commercial banks through its
discount window to help the banks meet depositor's
• BANKER'S CHEQUE demands and reserve requirements. The interest rate the
It refers to that bank draft which is payable within the town. RBI charges the banks for this purpose is called bank rate. If
It is also known as 'Pay Order'. the RBI wants to increase the liquidity and money supply in
the market, it will decrease the bank rate and if it wants to
• ELECTRONIC BANKING OR E-BANKING reduce the liquidity and money supply in the system, it will
Electronic Banking is a service provided by many banks, in increase the bank rate.
which a customer is allowed to conduct banking transactions • Cash Reserve Ratio (CRR): Every commercial bank has to
over the internet using a personal computer, mobile telephone keep certain minimum cash reserves with RBI. RBI can vary
hand held computer e-Banking offers the following range of this rate between 3% and 15%. RBI uses this tool to increase
services: or decrease the reserve requirement depending on whether
(i) Electronic Funds Transfer which has been discussed under it wants to affect a decrease or an increase in the money
RTGS & NEFT. supply. An increase in Cash Reserve Ratio i CRR ? will make
(ii) Automated Teller Machines (ATM) it mandatory on the part of the banks to hold a large
ATM is a self-service terminal that provides the customers proportion of their deposits in the form of deposits with the
of banks the facilities of withdrawing cash, making deposits, RBI. This will reduce the size of their deposits and they will
transferring funds, paying bills, obtaining bank statements, lend less.This will in turn decrease the money supply.
etc. • Statutory Liquidity Ratio(SLR): Apart from the CRR, banks
The customer inserts his plastic card (Debit Card) into the are required to maintain liquid assets in the form of gold,
terminal and then enters Personal Identification Number (PIN) cash and approved securities. Higher liquidity ratio forces
perform banking operations. commercial banks to maintain a larger proportion of their
(ii) Debit Cards- resources in liquid form and thus reduces their capacity to
Debit card is an electronic plastic card issued by a bank to grant loans and advances, thus it is an anti-inflationary
its customers for withdrawing cash or making payment impact. A higher liquidity ratio diverts the bank funds from
electronically. loans and advances to investment in government and
The maximum limit of withdrawal is the bank account balance approved securities.
of the customer.
(iv) Point-of-Sale Terminals- BANKING TERM ABBREVIATIONS
A Point-of-Sale (POS) terminal is located in the shop/store. ALCO - Asset Liability Committee
It is tied electronically to a bank computer. When a customer
presents his debit card, the terminal automatically transfers ALM - Asset Liability Management
money from the customer's account to the seller's account. ANBC - Adjusted Net Bank Credit
(v) Credit Cards- ASBA - Applications Supported Bank Accounts
It is a plastic card issued by a bank to its customers, BCSBI - Banking Codes and Standards Board of India
containing name, photo and signatures of the customer and
BOE - Bill of Exchange
the name of the Bank. The customer can buy goods and
services at specified outlets by showing his credit card upto CAR - Capital Adequacy Ratio
the credit limit fixed by the bank, which depends on the CARE - Credit Analysis and Research Limited
credit-worthiness of the customer. CASA - Current and Savings Accounts
(vi) Internet Banking-
CBLO - Collateralized Bank Lending Obligations
F-8 General Knowledge & Banking Awareness
CCIL - Clearing Corporation of lndia Limited NPV - Net Present Value
CDRS - Corporate Debt Restructuring NRE - Non Resident External Account
CIBIL - Credit Information Bureau of India Limited NRI - Non Resident Indian
CRISIL - Credit Rating Information Services of lndia NSE - National Stock Exchange
CRR - Cash Reserve Ratio OCB - Overseas Corporate Bodies
DPG - Deferred Payment Guarantee OMO - Open Market Operations
DPN - Demand Promissory Note OTCEI - Over the Counter Exchange Of lndia
DRAT - Debt Recovery Appellate Tribunal PACS - Primary Agricultural Credit Societies
DRI - Differential Rate of Interest PDO - Public Debt Office
DSCR - Debt Service Coverage Ratio PIN - Personal Identification Number
EDI - Electronic Data Interchange POA - Power of Attorney
EDP - Entrepreneurship Development Programme OLTAS - Online Tax Accounting System
EMI - Equated Monthly Instalments
QIB - Qualified Institutional Bankers
EPS - Earning per Share
QIB - Qualified Institutional Buyers
ESOP - Employee Stock Options
RBI - Reserve Bank of India
EXIM bank - Export and Import Bank of lndia
RDBMS - Relational Database Management System
FCNR - Foreign Currency Non Resident Deposit
Accounts REC - Rural Electrification Corporation
FEDAI - Foreign Exchange Dealers Association of lndia RFC - Resident Foreign Currency
FOB - Free On Board RIDF - Rural Infrastructure Development Fund
ICRA - Investment Information and Credit Rating Agency RRB - Regional Rural Bank
oflndia Limited RTGS - Real Time Gross Settlement
IDRBT - Institute for Development and Research of SWA - Risk Weighted Assets
Banking Technology SBI - State Bank oflndia
1EPF - Investors Education and Protection Fund
SCB - Scheduled Commercial Bank
IPO - Initial Public Offer
SDR - Special Drawing Rights
IRDA - Insurance Regulatory and Development
SEBI - Securities and Exchange Board of lndia
Authority of lndia
SFMS - Structured Financial Messaging Services
ISCI - International Standard Industrial Classification
KCC - Kisan Credit Card SHG - Self Help Group

KVIC - Khadi and Village Industries Corporation SIDBI - Small Industries Development Bank of India
KYC - Know Your Customer SIDC - State Industrial Development Corporation
LAB - Local Area Banks SISRY - Swarna Jayanthi Shahari RozgarYojana
LAMPS - Large Sized Adivasi Multipurpose Societies SLR - Statutory' Liquidity Ratio
LERMS - Liberalized Exchange Rate Management System SLRS - Scheme for Liberation and Rehabilitation of
LIC - Life Insurance Corporation of lndia Scavengers
MCA - Ministry Of Company Affairs SME - Small and Medium Industries
MICR - Magnetic Ink Character Recognition SMERA - SME Rating Agency of lndia Limited
MIS - Management Information System SSI Small Scale Industries
NABARD - National Bank for Agriculture and Ru SSSBE - Small Scale Service and Business Enterprises
Development UTI - Unit Trust of lndia
NBFC - Non Banking Finance Companies WPI - Wholesale Price Index
NEFT - National Electronic Fund Transfer YTM - Yield To Maturity
NPA - Non Performing Assets
General Knowledge & Banking Awareness F-9

E X E RC I S E -1
CONCEPTUAL BANKING 9. On which date, RBI started working?
(a) 1 January 1934 (b) 1 January 1935
(c) 1 April 1935 (d) 31 March 1934
1 In which year, the first bank of lndia "Bank of Hindustan"
was established? (e) None of these
(a) 1870 (b) 1770 10. In which year, Regional Rural Banks started working in
India?
(c) 1795 (d) 1880
(a) 1970 (b) 1975
(e) None of these
(c) 1978 (d) 1981
2. Which among the following are the correct locations of three
presidency banks during British India? (e) None of these
(a) Calcutta, Madras, Bombay 11. The earliest evidence of Banking transactions in India comes
from_____ :
(b) Surat, Calcutta, Madras
(a) Vedic Era (b) Maurya Era
(c) Surat, Madras, Bombay
(c) Gupta Era (d) Medieval India
(d) Bombay, Calcutta, Surat
(e) None of these
(e) None of these
12. The liberalisation of Indian banking and regulation was done
3. Which of the following is the oldest Joint Stock bank of first on the basis of recommendations of which committee?
lndia? (a) Narasimham Committee
(a) Allahabad Bank (b) Bank of Baroda (b) A. Ashok Committee
(c) Patiala Bank (d) Bank of lndia (c) Saraiya Committee
(e) None of these (d) Khusro Committee
4. Which among the following was the first bank to open a (e) None of these
branch on foreign soil? 13. In which year, the nationalization of subsidiary banks of
(a) Bank of lndia (b) State Bank of India State Bank oflndia (SBI) was done?
(c) Bank of Punjab (d) Allahabad Bank (a) 1955 (b) 1956
(e) None of these (c) 1959 (d) 1980
5. What was the initial share capital of Reserve Bank of lndia? (e) None of these
(a) ` 5 Crore (b) ` 10 Crore 14. What was the name of State Bank of India (SBI) before it
(c) ` 15 Crore (d) ` 20 Crore was created by SBI Act?
(e) None of these (a) Imperial Bank of Hindustan
6. The Royal Commission on Indian Currency and Finance (b) Imperial Bank of Bengal
was also known as (c) Imperial Bank of Madras
(a) Hilton-Young Commission (d) Imperial Bank of lndia
(b) Hartog Commission (e) None of these
(c) Muddiman Committee 15. Which among the following is NOT a subsidiary of RBI?
(d) Buttler Commission (a) National Housing Bank
(e) None of these (b) NABARD
7. Original headquarters of RBI were located at (c) Bharatiya Reserve Bank Note Mudran Private Limited
(d) SIDBI
(a) Calcutta (b) Bombay
(e) None of these
(c) Madras (d) New Delhi
16. The headquarters of local boards of RBI are located at
(e) None of these
(a) Mumbai, Kolkata, Chennai and New Delhi
8. In which year, Paper Currency Act was enacted by British
Government of lndia? (b) Mumbai, Jaipur, Chennai and Mysore
(a) 1862 (b) 1861 (c) Mumbai, Ahmedabad, Chennai and New Delhi
(c) 1852 (d) 1875 (d) Mumbai, Ahmedabad,Jaipur and New Delhi
(e) None of these (e) None of these
F-10 General Knowledge & Banking Awareness
17. Which of the following is NOT a function of Reserve Bank (a) Only (I) (b) All (I), (II) & (III)
of lndia? (c) Only (I) & (II) (d) Both (II) & (III)
(a) Controls the credit operations of banks through (e) Only (II)
quantitative and qualitative tools
25. Expand the term ALM as used in Banking/Finance sector?
(b) Lender of the last resort
(a) Asset Liability Mismatch
(c) Holds cash reserves of all the scheduled banks
(b) Asset Liability Maturity
(d) Manages Credit Rating of Banks
(c) Asset Liability Management
(e) None of these (d) Asset Liability Manpower
18. Under which section of the Reserve Bank of lndia (RBI) Act (e) None of these
1934, the RBI has the sole right to issue bank notes of all
denominations? 26. What is the full form of the term LIBOR as used in financial
banking sectors?
(a) Section 24 of the RBI Act 1934
(a) Local Indian Bank Offered Rate
(b) Section 25 of the RBI Act 1934
(b) London-India Bureau of Regulations
(c) Section 21 of the RBI Act 1934
(c) Liberal International Bank Official Ratio
(d) Section 22 of the RBI Act 1934
(d) London inter Bank Offered Rate
(e) None of these
(e) None of these
19. Under minimum reserve system, how much amount Reserve
27. Expand the term FSDC which is used in financial sectors?
Bank of lndia (RBI) was required to keep in gold and foreign
exchange reserves? (a) Financial Security and Development Council
(a) `200 crore (b) `220 crore (b) Financial Stability and Development Council
(c) `222 crore (d) `280 crore (c) Fiscal Security and Development Council
(e) None of these (d) Fiscal Stability and Development Council
20. Which of the following is not the quantitative tool of the (e) None of these
Reserve Bank of lndia (RBI)? 28. Which of the following rates/ratios is not covered under
(a) OMO (b) Reserve ratios the RBI monetary and credit policy ?
(c) Rationing of credit (d) Statutory Pre-emptions (a) Bank rate
(e) None of these (b) Exchange rate of foreign currencies
21. Under which of the following rates, the banks avail long (c) Repo rate
term loans from Reserve Bank of lndia (RBI) by putting no (d) Reverse repo rate
collateral securities? (e) Cash reserve ratio
(a) Bank rate 29. When a loan is granted by a bank for purchase of white
(b) Repo rate goods it is called
(c) Reserve repo rate (a) Consumption loan (b) White goods loan
(d) Marginal Standing Facility (c) Consumer durable loan (d) All of these
(e) None of these (e) None of these
22. With reference to Commercial papers (CP), which of the 30. Which of the following methods is being adopted by Banks
following is not a correct statement? for calculating and applying interest on Savings Bank
accounts?
(a) Prior approval of RBI is needed to issue CP
(a) On monthly products based on minimum balance
(b) Issued in the multiples of Rs. 5 lakh between 10th and last working day.
(c) Issued in the form of usance promissory note (b) Daily balance is counted and interest is paid
(d) Issued at a discount to face value accordingly
(e) None of these (c) On average quarterly balance.
23. Which of the following terms is used in Banking Field? (d) On average half yearly balance.
(a) Interest Rate Swap (b) Input Devices (e) None of these
(c) Sedimentary (d) Zero Hour 31. The main function of IMF is to
(e) None of these (a) give financial investment loans to developing countries
24. On which one of the following issues can SEBI penalize any (b) act as a private sector lending arm of the World Bank
company in India?
(c) help of solve balance of payment problems of member
I. Violation of Banking Regulation Act. countries
II. Violation of foreign portfolio investment guidelines. (d) arrange international deposits from banks
III. For violation of Negotiable Instrument Act. (e) None of these
General Knowledge & Banking Awareness F-11
32. Which of the following is not a part of the scheduled 39. Insurance service provided by various banks is commonly
banking structure in India ? known as....
(a) Money lenders (b) Public sector banks (a) Investment Banking (b) Portfolio Management
(c) Private sector banks (d) Regional rural banks (c) Merchant Banking (d) Bancassurance
(e) State cooperative banks (e) Micro Finance
33. The rate of interest on savings bank account is stipulated 40. The rate on which banks borrow from the RBI is called
by (a) SLR (b) CRR
(a) the concerned bank (c) Interest Rate (d) Bank Rate
(b) RBI (e) Repo Rate
(c) Indian banks association 41. As we know, the RBI is the appex bank of lndia; similarly,
(d) Government of lndia the appex Bank of USA is called....
(e) Banking codes and standards board of lndia (a) Federal Reserve
34. Under provisions of which one of the following Act does (b) The Central Bank of USA
the RBI issue directives to the Banks in India ? (c) Bank of America
(a) RBI Act (d) Central Bank of USA
(b) Banking Regulation Act (e) None of the above
(c) Essential Commodities Act 42. Which of the following is / are included under Statutory
(d) RBI and Banking Regulation Act Pre-emptions?
(e) None of these L SLR
35. Which one of the following tools is used by RBI for selective II. CRR
credit control ? III. Bank Rate
(a) It advises banks to lend against certain commodities IV. Repo Rate
(b) It advises banks to recall the loans for advances against Select the correct option from the codes given below:
certain commodities (a) Only I & II (b) Only I, II & III
(c) It advises banks to charge higher rate of interest for (c) Only II, III & IV (d) Only I, II & IV
advance against certain commodities. (e) None of these
(d) It discourages certain kinds of lending by assigning 43. Which among the following is most important functions
higher risk weights to loans it deems undesirable. being done by SLR in recent times?
(e) None of these (a) Control of Inflation
36. For which one of the following are loan products 'teaser (b) Cushion against bank failures
loans' offered by banks ? (c) Financing Government deficits
(a) Education loans (d) Adjustment of liquidity
(b) Commercial laons (e) None of these
(c) Loans against security of gold 44. How Bank Rate is different from Repo rate?
(d) Retail trade loans (a) While Repo Rate is a short-term measure, Bank Rate is
(e) Home loans a long-term measure
(b) While Bank Rate is a short-term measure, Repo Rate is
37. Under provisions of which one of the following Acts has
a long-term measure
the Reserve Bank of India has the power to regulate,
supervise and control the banking sector? (c) While Repo Rate is used to control money supply,
Bank Rate is used to control inflation
(a) RBI Act
(d) While Bank Rate is used to control money supply, Repo
(b) Banking Regulation Act Rate is used to finance government debt
(c) Negotiable Instruments Act (e) None of these
(d) RBI and Banking Regulation Act 45. If a bank ties up with a retail vendor and then both of them
(e) None of these sponsor a credit card, then such card would be known as :
38. Credit rating is (a) Retail Credit Card (b) Vendor Card
(c) Co-branded Card (d) Cash back Card
(a) used to rate the borrowers while giving advances (e) None of these
(b) used to work out performance of the employees 46. Which is the first credit card facility to be recognised
(c) used to calculate the number of excellent audit rated worldwide?
branches (a) Visa Card (b) Maestro Card
(d) not used in any bank (c) Master Card (d) Diner Card
(e) necessary before giving promotion to employees (e) None of these
F-12 General Knowledge & Banking Awareness
47. With reference to the prepaid credit cards, which among the 55. What is the minimum tenure of deposits to be taken by
following is / are correct statements? NBFCs?
1. Credit facility is offered for the purchaser of the card (a) 6 months
2. No interest charged from the purchaser of the card (b) 12 months
3. No purchasing fee and monthly fees charged before (c) 2 years
an arbitrary time period (d) 3 years Hide Answer 12 months
Select the correct option from the codes given below: (e) None of these
(a) Only 1 & 2 (b) Only 2 & 3 56. Which of the following is NOT a money markets instrument?
(c) Only 1 & 3 (d) 1, 2 & 3
(e) None of these (a) National Savings Certificates
48. What does the circus logo on ATM / debit cards signifies.....? (b) A 3-month certificate of deposit
(a) have cash access facility anywhere in India only (c) A treasury bill with 7 days to maturity
(b) have cash access facility outside the India only (d) A 14-day repurchase agreement of Treasury 8% 2007
(c) have cash access facility in or outside the India (e) None of these
(d) have cash access facility in and outside the India 57. All of the following are money market instruments except
(e) None of these (a) Certificate of deposit
49. What is the time period during which no interest is charged (b) Commercial paper
on a credit card? (c) Indian Depository Receipt
(a) Grace period (b) Term period (d) Commercial bill
(c) Loan period (d) Sanction Period (e) None of these
(e) None of these 58. Which is the most active Money Market Instrument in India?
50. With reference to the Credit Card number, which digits
(a) Treasury Bill
identify the Credit Card Network?
(b) Commercial Papers
(a) Initial two (b) Initial Four
(c) Repo
(c) Last two (d) Last four
(e) None of these (d) Notice Money
51. In terms of Credit Cards, what is a Hot Card? (e) None of these
(a) Newly issued Card (b) Invalid Card 59. Which of the following segments of Money Markets is
indicator of day to day interest rates?
(c) Stolen Card (d) Unpaid Card
(a) Term Money Market
(e) None of these
52. What is the main business of Systemically Important Core (b) Call Money / Notice Money Market
Investment Company (CIC-ND-SI) in India? (c) Money Market Mutual Funds
(a) Acquisition of shares and securities (d) Commercial Bills
(b) Facilitate the flow of long term debt into infrastructure (e) None of these
projects 60. Which among the following can be used to channelize
(c) Deploy its assets in infrastructure loans surplus funds from savers to institutions for short term use?
(d) Financing of physical assets such as automobiles, (a) Stocks (b) Bonds
earth moving equipments etc.
(c) Debentures (d) Commercial paper
(e) None of these
(e) None of these
53. What is the cap on loan amount given out by a Non-Banking
Financial Company - Micro Finance Institution (NBFC-MFI)? 61. Cross-selling is not effective for which one of the following
products ?
(a) `50000 (b) `60000
(a) Debit cards (b) Savings accounts
(c) `70000 (d) `75000
(c) Internet banking (d) Pension loans
(e) None of these
(e) Personal loans
54. Which of the following is are the parties in Factoring
Business? 62. What is "wholesale banking"?
(a) buyer (a) It is a bank-to-bank or B2B dealing.
(b) seller (b) It is a bank-to-customer dealing.
(c) buyer and seller (c) It is a bank-to-trustworthy customer dealing.
(d) buyer, seller and financial institution (d) It is a bank-to-govemment dealing
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-13
63. What is hot money? 69. National Rural Credit Stabilization Fund is a Institution of
(a) Money which has tendency to migrate towards purpose-specific funds in which of the following?
highprofit-oriented places. (a) IDBI (b) SIDBI
(b) Money which has tendency to migrate towards (c) NABARD (d) IFCI
lowprofit-oriented places (e) AFCL
(c) Money, which has no interest 70. Which among the following statements is incorrect
(d) Only (a) and (b) regarding the Regional Rural Banks ?
(e) Only (a) and (c) (a) They have been established as per the privisions of
64. "The set of directive principles issued by the Central Bank Regional Rural Banks Act 1976
of a country or the process adopted by it to control the (b) Every Regional Rural Bank is sponsored by commercial
supply of money, availability of money, cost of money and banks
rate of interest, etc. in order to bring stability and growth of (c) The commercial banks need to approach to the state
the economy" are commonly known as governments to establish Regional Rural Banks
(a) Monetary policy of the Central Bank of the country (d) The Regional Rural Banks may open branches in
(b) Budget of the Govt. notified area
(c) Profit and Loss Account (e) All statements are correct
(d) Business Policy of the Bank 71. Which among the following is the correct statement?
(e) None of these (a) Cooperative Banks are fully controlled by RBI
65. "Higher provisioning dragged down the profits of down (b) Cooperative Banks are partially controlled by RBI
the 4th quarter of some banks" was the news in some major (c) Cooperative Banks are not controlled by RBI
newspapers. This means that the banks (d) Cooperative Banks are fully controlled by Banking
(a) had many NPAs Regulation Act 1949
(b) had no NPA (e) None of these
(c) was in great loss 72. Agency Functions of the commercial Banks are?
(d) was not able to earn any profit last year (a) Primary Functions (b) Secondary Functions
(c) Tertiary Functions (d) Social Functions
(e) None of these
(e) None of these
66. When the Reserve Bank says that the Rupee is over-valued,
73. Which among the following is an essential feature of a
it means?
commercial bank?
(a) RBI has shortage of hard currency and it has to order
(a) providing Locker facilities
for printing of new notes to the press concerned
(b) dealing with credit
(b) Rupee is appreciating against other currencies whereas
other currencies are weakening against US Dollar (c) providing business information and data
(d) Underwriting
(c) Money is locked in banks and people do not have
enough to make their day to day purchases. It is a (e) Sale of securities
strategy which brings down inflation 74. When a person has a savings account in the bank, the bank
(d) More and more people are selling their stocks. As a assumes the position of_____?
result stock market may crash, as there is no hard cash (a) Debtor (b) Creditor
for such voluminous transactions (c) Agency (d) Depositor
(e) None of these (e) Agent
67. IMPS stands for 75. Which among the following is the Bank rate?
(a) Inter-Bank Mobile Payment Service (a) The rate at which a commercial Bank lends to its
(b) Inter-Bank Money Payment Service customers
(c) Inter-Bank Mobile Payment System (b) The rate at which a commercial Bank lends to its best
customers
(d) Inter-Bank Money Payment System
(c) The rate at which a central Bank lends to commercial
(e) None of the above
Banks
68. In which year was SIDBI established?
(d) The rate at which a Commercial Bank lends to Central
(a) 1975 (b) 1998 bank
(c) 1990 (d) 1978 (e) The rate at which a commercial Bank accepts deposits
(e) 1981 from its customers
F-14 General Knowledge & Banking Awareness
76. An investor or speculator who subscribes to a new issue 84. Which is the monetary measure to control inflation ?
with the intention of selling them shares soon after allotment (a) Increase in taxation (b) Decrease in taxation
to realize a quick profit is called? (c) Soft credit policy (d) Hard credit policy
(a) Bull (b) Bear (e) None of these
(c) Stag (d) Short 85. To control inflation the central bank should –
(e) Tall (a) Sell government securities and decrease bank rate
77. The Unclaimed deposits are those deposits which haven't
been operated for_____? (b) Sell government securities and increase bank rate
(a) 5 years or more (b) 7 years or more (c) Purchase government securities and increase bank rate
(c) 10 years or more (d) 12 years or more (d) Purchase government securities and to decrease bank
(e) 15 years or more rate
78. On which of the following dates does a Bank publish its (e) None of these
balance sheet ? 86. "Smart Money" is a term used for
(a) March 31 (b) April 1 (a) Internet Banking (b) Credit Card
(c) December 31 (d) January 1 (c) Cash with Bank (d) Cash with Public
(e) None of these
(e) None of these
79. In which stock exchange, 'currency futures' trading was first
started ? 87. If the cash reserve ratio is lowered by the RBI, its impact on
(a) BSE credit creation will be to
(b) NSE (a) increase it (b) decrease it
(c) MCX-SX (c) no impact (d) constant
(d) All the above had the trading simultaneously (e) None of these
(e) None of these 88. Which of the following items would not appear in a
80. What is a "Consortium"? company's balance sheet?
(a) When more than one bank allow credit facility to one (a) Value of stocks of raw materials held
party in coordination with another under a formal (b) Total issued capital
arrangement.
(b) In a consortium more than two persons together take (c) Revenue from sales of the company's products
loan from one bank. (d) Cash held at the bank
(c) In a consortium, banks provide loan only to the poor. (e) None of these
(d) Both (a) and (b) are correct 89. The currency convertibility concept in its original form
(e) None of these originated in
81. The Reserve Bank of lndia keeps on changing various ratio (a) Wells Agreement
rates frequently. Why is this done?
(b) Bretton Woods Agreement
I. To keep inflation under control.
(c) Taylors Agreement
II. To ensure that Indian Rupee does not lose its market
value. (d) Both (a) and (b)
III. To ensure that Banks do not earn huge profits at the (e) None of these
cost of public money. 90. The central co-operative banks are in direct touch with
(a) Only I (b) Only II (a) farmers
(c) Only III (d) All I, II & III (b) state co-operative banks
(e) None of these (c) land development banks
82. Deficit financing increases
(d) central government
(a) Rate of money inflation
(e) None of these
(b) Rate of money deflation
91. In pursuance of the recommendations of Narsimhan
(c) Rate of devaluation
Committee, the RBI has framed new guidelines
(d) All of the above
(a) to govern entry of new private sector banks to make
(e) None of these
the banking sector more competitive
83. Which is not a monetary measure to control inflation ?
(b) to reduce the freedom given to banks to rationalize
(a) Soft loan policy
their existing branch network
(b) Hard credit policy
(c) to set up more foreign exchange banks
(c) Tighten the regulations of money issue
(d) To reduce the quantity of money (d) to lend more easily for industrial development
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-15
92. Deficit financing means that the government borrows money 101. In context with banking, a Certificate of Deposit is
from the (a) Money Market Instrument
(a) RBI (b) local bodies (b) Negotiable Instrument
(c) big businessmen (d) IMF (c) Transferable instrument
(e) None of these (d) All of above
93. The Board of Industrial and Financial Reconstruction (BIFR) (e) None of these
came into existence in
102. Who among the following is / are eligible to issue Commercial
(a) 1984 (b) 1986 papers in India?
(c) 1987 (d) 1989 (a) Corporates
(e) None of these (b) Primary dealers
94. The banks are required to maintain a certain ratio between (c) All-India Financial Institutions
their cash in hand and totals assets. This is called
(d) All of the above
(a) Statutory Bank Ratio (SBR)
(e) None of these
(b) Statutory Liquidity Ratio (SLR)
103. Which of the following is NOT an advantage of Unit
(c) Central Bank Reserve (CBR) Banking?
(d) Central Liquid Reserve (CLR) (a) They have fast decision making
(e) None of these (b) The management enjoys more autonomy
95. In terms of Banking Terminology, Affinity Card refers to : (c) They have risk diversification
(a) The Credit Cards that are linked to special organizations (d) All of above are advantages of Unit Banking
(b) The Credit Cards with zero interest rate on repayments (e) None of these
(c) The Credit Cards exclusively for the Bank's employees 104. With reference to various types of Banking, what is "Mixed
(d) All of above organization Banking"?
(e) None of these (a) when banks undertake the activities of commercial and
96. From which country, the concept of Credit Card originated? investment banking together
(a) United Kingdom (b) United States (b) when banks undertake the activities of wholesale and
retail banking together
(c) France (d) Australia
(c) when banks undertake the activities of offline and online
(e) None of these
banking together
97. The business entity that is authorized to accept cards for
the payment of goods and services is called? (d) when banks undertake the activities of commercial and
cooperative banking together
(a) Issuer (b) Acquirer
(e) None of these
(c) Merchant (d) Authorised Issuer
105. In terms with Banking Sector, Anywhere Banking refers to
(e) None of these
(a) The customer can deposit/ withdraw cash at any
98. The international standard which defines the shape and
size of the I-Cards is branch other than the branch in which he holds the
account
(a) ISO/IEC5200 (b) ISQ/IEC9910
(b) The customer can deposit/ withdraw cash at any bank
(c) ISO/IEC 14000 (d) ISO/IEC 7810
other than the bank in which he holds the account
(e) None of these
(c) The customer can deposit/ withdraw cash in foreign
99. Which of the following is used by RBI for sterilization of the countries
Capital Inflows?
(d) The customer can deposit/ withdraw cash at al 1 points
(a) Base Rate System of sale
(b) CRAR Obligations
(e) None of these
(c) Open Market Operations
106. Which among the following types of Banking is most helpful
(d) Credit Authorization Scheme in cross selling?
(e) None of these (a) Virtual Banking . (b) Relationship Banking
100. What is sold and purchased during Open Market Operations (c) Wholesale Banking (d) Personal Banking
by RBI? (e) None of these
(a) Government Securities 107. In which of the following types of banking, there is a direct
(b) Commercial Papers execution of transactions between a bank and its consumers?
(c) Certificates of Deposits (a) Retail banking (b) Universal Banking
(d) Global Depository Receipts (c) Virtual Banking (d) Unit Banking
(e) None of these (e) None of these
F-16 General Knowledge & Banking Awareness
108. A commercial bank will launch a medium term note (MTN) (d) This is the instruction of RBI that all the cheques of
programme to________: the amount of `10,000 should be accepted only if they
(a) Provide loans (b) Raise Funds are crossed.
(c) Sell Equity (d) Purchase shares (e) None of these
(e) None of these 116. Which of the following terms is NOT associated with
banking operations?
109. Which among the following is NOT a pillar of Basel III?
(a) Repo Rate (b) Prime Lending Rate
(a) Minimum capital standards
(c) Equator (d) Corporate Finance
(b) Supervisory review
(c) Market discipline (e) Cash Reserve Ratio
(d) Consolidation of assets 117. A student has got admission to a foreign university. From
where can he/she get the foreign currency ?
(e) None of these
(a) From the Bank of that country only
110. Capital Adequacy Ratio is a thermometer of Bank's health. It
is the ratio of a bank's _______ : (b) From the Ministry of Foreign Affairs
(a) capital to its risk (b) risk to capital (c) From office of the Consulate General of that country
(c) capital to assets (d) capital to liabilities (d) From an authorised foreign exchange dealer
(e) None of these (e) From any big five star hotel as many foreigners come
111. Which of the following types of risks are used in calculation to stay there
of Capital to Risk (Weighted) Assets Ratio (CRAR)? 118. Which of the following is NOT a Govt, sponsored
I. Credit Risk organization?
II. Market Risk (a) Small Industries Development Bank of lndia
III. Operational Risk (b) NABARD
Select the correct option from the codes given below: (c) National Housing Bank
(a) Only I & II (b) Only II & III (d) ICICI Bank
(c) Only I & III (d) I, II & III
(e) All are Govt, sponsored
(e) None of these
119. Which of the following is the apex institution which handles
112. For the first time, in which year Basel Committee came up refinance for agriculture and rural development in India?
with Capital Accords for banks?
(a) RBI (b) SIDBI
(a) 1985 (b) 1988
(c) NABARD (d) SEBI
(c) 1990 (d) 1992 (e) None of these
(e) None of these
120. Which of the following is NOT a part of India's Money
113. Which among the following is NOT a part of Tier-I capital? Market?
(a) Issued Capital (b) Fully Paid-up Capital
(a) Bill Market (b) Call Money Market
(c) Disclosed Reserves (d) Undisclosed Reserves
(c) Banks (d) Mutual Funds
(e) None of these
(e) Indian Gold Council
114. If the RBI adopts an expansionist open market operations
policy, this means that it will 121. Teaser Rates are related to which of the following types of
loans?
(a) buy securities from non-government holders
(b) sell securities in the open market (a) Home Loans
(c) offer commercial banks more credit in the open market (b) Personal Loans
(d) openly announce to the market that it intends to expand (c) Auto Loans
credit (d) Reverse Mortgage Loans
(e) None of these (e) Crop Loans
115. As we all know, when we deposit a cheque issued in our 122. As we all know, the major source of income of the banks is
name in the bank, the bank always checks if the cheque has lending money (providing credit) and earning interest on it.
been crossed or not. Why is this done? In normal circumstances, the demand of the credit comes
(a) It ensures that the money is deposited only in the mainly from which of the following sectors?
account of the person in whose name the cheque has I. Personal Loans
been drawn.
II. Priority Sector Lending and Bailout Packages
(b) It is a process by which the person who has issued the
cheque comes to know whether the cheque is encashed III. Project Finance
or not. (a) Only I (b) Only II
(c) The bank insists on it only when the party wants the (c) Only III (d) All I, II and III
payment immediately and that too in cash only. (e) None of these
General Knowledge & Banking Awareness F-17
123. Many banks have launched/floated their subsidiaries which (d) More and more people are selling their stocks. As a
are fully owned by them. Banks launch subsidiaries normally result stock market may crash, as there is no hard cash
for which of the following businesses? , for such voluminous transactions
I. Home Loan Business (e) None of the above
II. To sell Insurance Policies 128. RBI's open market operation transactions are carried out
III. To control Online Operations or Internet Banking with a view to regulate
business (a) liquidity in the economy
(a) Only I (b) Only II (b) prices of essential commodities
(c) Only III (d) All I, II and III (c) inflation
(e) None of these (d) borrowing power of the banks
124. "The set of directive principles issued by the Central Bank (e) All of the above
of a country or the process adopted by it to control the
129. The bank rate means
supply of money, availability of money, cost of money and
rate of interest, etc, in order to bring stability and growth of (a) rate of interest charged by commercial banks from
the economy" are commonly known as borrowers
(a) Monetary policy of the Central Bank of the country (b) rate of interest at which commercial banks discounted
(b) Budget of the Govt. bills of their borrowers
(c) Profit and Loss Account (c) rate of interest allowed by commercial banks on their
(d) Business Policy of the Bank deposits
(e) None of the above (d) rate at which RBI purchases or rediscounts bills of
exchange of commercial banks
125. Consider the following statements:
I. In call money market, funds are borrowed and lent for (e) None of the above
one day and for a period of up to 14 days without any 130. What is an Indian Depository Receipt?
collateral security. (a) A deposit account with a Public Sector Bank
II. Ways and Means Advances are made the commercial (b) A depository account with any depositorys in India
banks to maintain mandatory reserves.
(c) An instrument in the form of depository receipt created
III. Treasury Bills are promissory notes issued by State by an Indian depository against underlying equity
Governments for fixed period extending up to one year.
shares of the issuing company
Which of the above statement/s is/are correct?
(d) An instrument in the form of deposit receipt issued by
(a) Only I (b) Only I and II Indian depositories
(c) Only III (d) Only I and III (e) None of the above
(e) All the above
131. An instrument that derives its value from a specified
126. Consider the following statement/s about 'Open Market underlying currency, gold, stocks etc, is known as
Operations' is/are true:
(a) Derivative (b) Securitisation Receipt
I. 'Open Market Operation' stands for the purchase and
sale of government securities by the RBI from/ to the (c) Hedge Fund (d) Factoring
public and banks. (e) Venture Capital Funding
II. The RBI buys all the unsold stock new government 132. Reverse repo means
loans at the end of the subscription period. (a) injecting liquidity by the Central Bank of a country
III. Such purchases of the government securities by the through purchases of Govt, securities
RBI constitute only an internal arrangement and are
(b) absorption of liquidity from the market by sale of Govt.
not genuine market purchases.
securities
(a) Only I (b) Only l and II
(c) balancing liquidity with a view to enhance economic
(c) Only II and III (d) Only III growth rate
(e) All the above are true (d) improving the position to availability of the securities
127. When the Reserve-Bank says that the Rupee is over-valued, in the market
it means (e) None of the above
(a) RBI has shortage of hard currency and it has to order 133. Currency Swap is an instrument to manage
for printing of new notes to the press concerned
(a) currency risk
(b) Rupee is appreciating against other currencies where
as other currencies are weakening against US Dollar (b) interest rate risk
(c) Money is locked in banks and people do not have (c) currency and interest rate risk
enough to make their day to day purchases. It is a (d) cash flows in different currencies
strategy which brings the inflation down (e) All of the above
F-18 General Knowledge & Banking Awareness
134. Euro Bond is an instrument 141. Free international trade leads to equalization of
(a) issued in the European market (a) prices in both the countries
(b) issued in Euro currency (b) international price with domestic price
(c) issued in country other than the country of the (c) commodities of both the countries
currency of the Bond (d) Trade between two countries
(d) All of the above (e) None of the above
(e) None of the above 142. Which one of the following is not a quantitative control
135. Money Laundering normally involves method of credit control?
(a) placement of funds (b) layering of funds (a) Cash reserve Ratio
(c) integration of funds (d) All of (a), (b) and (c) (b) Statutory Liquidity Ratio (SLR)
(e) None of these (c) Bank – Rate
136. The IMF and the World Bank were conceived as institutions to (d) Selective Credit Control
(a) strengthen international economic co-operation and (e) None of these
to help create a more stable and prosperous global
economy 143. The RBI has helped to finance India's foreign trade through
(a) IDBI (b) SBI
(b) Promote international monetary cooperation
(c) EXIM Bank (d) NABARD
(c) Promote long term economic development and poverty
reduction (e) None of these
(d) All of (a), (b) and (c) 144. When the price of a substitute of a commodity X falls, then
(e) None of these the demand for X
137. What is the Call Money? (a) Rises (b) Falls
(a) Money borrowed or lent for a day or overnight (c) Remains unchanged (d) First rises and then falls
(e) None of these
(b) Money borrowed for more than one day but upto 3
days 145. The provision of credit and other financial services and
products of very small amount to the poor in rural semi
(c) Money borrowed for more than one day but upto 7
days urban and urban areas to enable them to raise their income
level and living standard is known as
(d) Money borrowed for more than one day but upto 14
days (a) Micro Credit (b) Personal Banking
(e) None of the above (c) Corporate Banking (d) Non-Banking Finance
(e) None of these
138. Which of the following is the Regulator of the credit rating
agencies in India ? 146. The National Stock Exchange functions from
(a) RBI (b) SBI (a) New Delhi (b) Kolkata
(c) SIDBI (d) SEBI (c) Mumbai (d) Chennai
(e) None of these (e) None of these
139. What is 'Future Trading'? 147. Fiscal Policy is related to
I. It is nothing but a trade between any two stock (a) Issue of currency
exchanges where in it is decided to purchase the stocks (b) Credit creation
of each other on a fixed price throughout the year (c) Public revenue and expenditure
II. It is an agreement between two parties to buy or sell an (d) All of these
underlying asset in the future at a predetermined price
(e) None of these
III. It is an agreement between stock exchanges that they
will not trade the stocks of each other under any 148. Inflation implies
circumstances in future or for a given period of time (a) Rise in budget deficit
(a) Only I (b) Only II (b) Rise in general price index
(c) Only III (d) All I, II and III (c) Rise in price of consumer goods
(e) None of these (d) Rise in money supply
140. Green Banking means (e) None of these
(a) financing of irrigation projects l banks 149. Which of the following organizations is known as Market
(b) development of forestry by banks Regulator in India?
(c) financing of environment friendly projects by banks (a) SEBI (b) IBA
(d) Managing fishery by banks. (c) AMFI (d) NSDL
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-19
150. The terms Entry Load and Exit Load are most frequently 161. In which year, Foreign Currency Non-Resident Account Bank
used in context with the following? or FCNR (B) was first introduced?
(a) Health Insurance (b) Real Estate (a) 1991 (b) 1993
(c) Mutual Funds (d) Housing Loans (c) 1995 (d) 1996
(e) None of these (e) None of these
151. The Federation of Indian Chambers of Commerce and 162. In terms of agricultural loans in India, the short term credit
Industry (FICCI) was founded in 1927 by refers to the loans made for a period less than______:
(a) Birla and Tata (b) Tata and Thakurdas (a) 1 year (b) 15 Months
(c) Thakurdas and Birla (d) Tata and Godrej (c) 18 Months (d) 24 Months
(e) None of these
(e) None of these
152. Which of the following is not a Central Government tax?
(a) Income tax (b) Customs 163. To call a loan NPA, the interest or instalment of principal
should remain overdue for a minimum period of more
(c) Land revenue (d) Corporation tax than_____?
(e) None of these (a) 60 Days (b) 90 Days
153. Interest rates on Savings Bank Account is calculated on a (c) 120 Days (d) 180 Days
............ basis.
(e) None of these
(a) Quarterly (b) Monthly
164. Who monitors Priority Sector Lending (PSL) in commercial
(c) Daily (d) Half-yearly
banks?
(e) None of these
(a) Reserve Bank of lndia (RBI)
154. A consumer fails to make a payment due on a mortgage
loan. This is known as (b) Small Industries Development Bank of lndia (SIDBI)
(a) Credit Risk (b) Refinancing Risk (c) National Bank for Agriculture and Rural Development
(NABARD)
(c) Liquidity Risk (d) Settlement Risk
(d) Government of India (GOI)
(e) None of these
(e) None of these
155. What is leverage ratio?
165. NABARD administers a fund called Rural infrastructure
(a) capital to total assets (risk-weighted).
Development Fund (RIDF). What is the major source of its
(b) capital to total assets (not risk-weighted). funding?
(c) capital to total liabilities (a) Penalties levied on domestic commercial banks who
(d) Tier-I capital to Tier-II capital fail to meet PSL targets
(e) None of these (b) Penalties levied on foreign banks (with less than 20
156. Which of the following is India's first Credit Rating Agency? branches) who fail to meet PSL targets
(a) ICRA (b) CRISIL (c) Penalties levied on Central Government who fail to meet
(c) ONICRA (d) CARE PSL targets
(e) None of these (d) All of the above
157. RBI takes "Prompt Corrective Action" when a bank is faced (e) None of these
to
166. Which of the following is / are examples of Credit Creation
(a) Market Risk (b) Credit Risk by banks?
(c) Liquidity Risk (d) Low Capital Adequacy (a) Advancing loans (b) Purchasing securities
(e) None of these (c) Selling securities (d) Only A and B
158. A cheque can be crossed by the
(e) None of these
(a) Drawer (b) Holder
167. Which of the following is also known as Contingent Liability
(c) Collecting banker (d) Either a or b or c of the banks?
(e) None of these
(a) Cash Credits
159. Which of the following sections of the NI Act 1881 defines
"Negotiable Instrument"? (b) Non-fund based lending
(a) Sec 11 (b) Sec 12 (c) Fund Based lending
(c) Sec 13 (d) Sec l4 (d) Cash Reserve Ratio
(e) None of these (e) None of these
160. In which among the following accounts, no cheque book is 168. What is the number of non-official directors in RBI?
issued? (a) 12 (b) 16
(a) Minor Account (b) Joint Account (c) 18 (d) 20
(c) Illiterate Account (d) Non Resident Account (e) None of these
(e) None of these
F-20 General Knowledge & Banking Awareness
169. Which of the following is available to banks to borrow 175. When an endorser puts his signature on the back of the
overnight funds from RBI against the approved government instrument to pay the amount to, or to the order of a specified
securities? person is termed as
(a) Repo Rate (a) blank Endorsement (b) general Endorsement
(b) Bank Rate (c) partial Endorsement (d) special Endorsement
(c) Base Rate (e) none of these
(d) Marginal Standing Facility 176. Deposits made in which among the following does not come
(e) None of these under Deposit Insurance Scheme?
170. If Repo Rate is 6%, then which among the following is (a) Regional Rural Banks
correct about Reverse Repo and Marginal Standing Facility? (b) Private Banks
(a) Reverse Repo Rate is 7% and Marginal Standing (c) Non-scheduled Commercial Banks
Facility is 8% (d) Primary Agricultural Credit Societies (PACS)
(b) Reverse Repo Rate is 5% and Marginal Standing (e) None of these
Facility is 8%
177. The funds set aside by the banks as fraction to the loans to
(c) Reverse Repo Rate is 5% and Marginal Standing cover up losses is called –?
Facility is 7%
(a) Provisioning Coverage Ratio (PCR)
(d) Reverse Repo Rate is 8% and Marginal Standing
(b) Capital Adequacy Ratio (CAR)
Facility is 7%
(c) Loan to Coverage Ratio
(e) None of these
(d) Cash Reserve Ratio
171. What will be impact on money supply if RBI purchases the
foreign currency in India? (e) None of these
(a) Money Supply will increase 178. What is the maximum amount insured under deposit
insurance?
(b) Money Supply will decrease
(a) `1 Lakh (b) `2 Lakh
(c) Money Supply will remain constant
(c) `5 Lakh (d) `10 Lakh
(d) Money Supply will increase or decrease depending on
exchange rates (e) None of these
(e) None of these 179. Which among the following come under Priority Sector
Loans?
172. Which among the following statements is / are true in context
of noting (in case of dishonour of cheque)? 1. Agriculture and Allied Activities
(a) it took place due to non acceptance or non payment of 2. Education Loans
cheque 3. Retail Trade Loan
(b) Must be made within reasonable time after dishonour Select the correct option from the codes given below:
(c) Must specify the date of dishonour (a) Only 1 & 2 (b) Only 2 & 3
(d) All of the above (c) Only 1 & 3 (d) 1, 2 & 3
(e) None of these (e) None of these
173. Which among the following is / are types of Deposit 180. "Not Negotiable" written on a cheque crossing means
accounts? (a) the cheque must be paid into a bank
1. CASA account (b) the cheque is not presented by anyone other than the
2. Salary Account payee
3. Recurring Account (c) the cheque cannot be paid to any one but the payee
Select the correct option from the codes given below: (d) the cheque can be paid to any one
(a) Only 1 & 2 (b) Only 2 & 3 (e) None of these
(c) Only 1 & 3 (d) 1, 2 & 3 181. For Mr. Krishan to be "Holder in due course" which among
(e) None of these the following conditions must be satisfied?
174. When an endorser puts his signature on the back of the 1. the negotiable instrument must be in possession of
instrument without writing the name of the endorsee is termed Mr. Krishan
as 2 He must be holder of valuable consideration
(a) blank endorsement 3. He must become a holder of the negotiable instrument
(b) special endorsement before the date of maturity
(c) conditional endorsement 4. He must become a holder of the instrument in good
(d) partial endorsement faith
(e) None of these
General Knowledge & Banking Awareness F-21
Choose the correct option: 185. Which among the following is / are examples of Recurring
(a) 1 & 4 (b) 3 & 4 deposit?
(c) 2, 3 & 4 (d) All follows 1. Home safe account
(e) None of these 2. Sickness deposit account
182. Which among the following is NOT a correct feature of 3. Home construction deposit scheme Select the correct
Promissory Note? option from the codes given below:
(a) Promissory Note must be in writing (a) Only 1 & 2 (b) Only 2 & 3
(b) Promissory Note must contain an undertaking or (c) Only 1 & 3 (d) 1, 2 & 3
promise to pay (e) None of these
(c) Promissory Note must be conditional 186. Which among the following is / are correct statements about
(d) Parties to Promissory Note must be certain. Demand Deposits?
(e) None of these 1. Money in demand deposits is liquid
183. Consider the following statements in context of' ‘Holder in 2 All demand deposits earn interest
due course’: 3. Ownership of demand deposits can be transferred
1. If Mr. Rai obtain the negotiable instrument before its using a cheque
maturity Which among the above is / are correct statements?
2. If Mr. Rai obtains negotiable instrument by way of gift (a) Only 1 & 2 (b) Only 2 & 3
3. If Mr. Rai obtains by some illegal method (c) Only 1 & 3 (d) 1, 2 & 3
4. If Mr. Rai doesn't obtain it bonafide (e) None of these
In which among the following statements, Mr. Rai is not 187. Which among the following is not a feature of Saving
considered to be 'Holder in due course'? Accounts?
(a) 1 & 2 (b) 2, 3 & 4 (a) Preferred by individuals savers
(c) 1, 3 & 4 (d) All follows (b) Usually low scale transactions
(e) None of these (c) Earns interest
184. In which of the following types of accounts, fixed amount (d) Has overdraft facility
has to deposit over a fixed interval of time? (e) None of these
(a) Saving account
188. Which among the following is opened in Foreign Currency
(b) Current account Only?
(c) Recurring Deposit account (a) NRO Account (b) NRERA Account
(d) Term Deposit (c) FCNR Account (d) FARN Account
(e) None of these (e) None of these

ANSWER KEY
1 (b) 17 (d) 33 (d) 49 (a) 65 (a) 81 (d) 97 (c) 113 (d) 12 9 (d) 145 (a) 161 (b) 17 7 (a)
2 (a) 18 (d) 34 (d) 50 (a) 66 (b) 82 (a) 98 (d) 114 (c) 13 0 (c) 146 (c) 162 (b) 17 8 (d)
3 (a) 19 (a) 35 (b) 51 (c) 67 (a) 83 (a) 99 (c) 115 (a) 13 1 (a) 147 (c) 163 (b) 17 9 (d)
4 (a) 20 (c) 36 (e) 52 (a) 68 (c) 84 (d) 100 (a) 116 (c) 13 2 (a) 148 (d) 164 (a) 18 0 (b)
5 (a) 21 (a) 37 (b) 53 (a) 69 (c) 85 (b) 101 (d) 117 (d) 13 3 (d) 149 (a) 165 (a) 18 1 (d)
6 (a) 22 (a) 38 (a) 54 (a) 70 (c) 86 (b) 102 (d) 118 (d) 13 4 (c) 150 (c) 166 (d) 18 2 (c)
7 (a) 23 (a) 39 (d) 55 (b) 71 (b) 87 (a) 103 (c) 119 (c) 13 5 (d) 151 (c) 167 (b) 18 3 (b)
8 (b) 24 (d) 40 (d) 56 (a) 72 (d) 88 (c) 104 (a) 120 (e) 13 6 (d) 152 (c) 168 (d) 18 4 (c)
9 (c) 25 (c) 41 (a) 57 (c) 73 (b) 89 (b) 105 (a) 121 (a) 13 7 (a) 153 (c) 169 (d) 18 5 (d)
10 (b) 26 (d) 42 (a) 58 (c) 74 (a) 90 (b) 106 (b 122 (c) 13 8 (d) 154 (a) 170 (a) 18 6 (c)
11 (a) 27 (b) 43 (c) 59 (b) 75 (c) 91 (a) 107 (a) 123 (d) 13 9 (b) 155 (b) 171 (d) 18 7 (d)
12 (a) 28 (b) 44 (a) 60 (d) 76 (c) 92 (a) 108 (b 124 (a) 14 0 (c) 156 (b) 172 (d) 18 8 (c)
13 (c) 29 (c) 45 (c) 61 (d) 77 (c) 93 (c) 109 (d) 125 (a) 14 1 (d) 157 (d) 173 (a)
14 (d) 30 (b) 46 (a) 62 (a) 78 (a) 94 (b) 110 (a) 126 (e) 14 2 (d) 158 (d) 174 (d)
15 (d) 31 (c) 47 (b) 63 (a) 79 (b) 95 (a) 111 (d) 127 (e) 14 3 (c) 159 (c) 175 (d)
16 (a) 32 (a) 48 (d) 64 (a) 80 (a) 96 (b) 112 (b) 128 (e) 14 4 (b) 160 (c) 176 (a)
F-22 General Knowledge & Banking Awareness

E X E RC I S E -2
GENERAL KNOWLEDGE 11. Highest award given to civilian in India is
(a) Bharat Ratna (b) Padma Vibhushan
1. Which of the following books has been written by Bill Gates?
(c) Sharam Award (d) Padma Bhushan
(a) Microsoft Secrets (b) The Road Ahead
(e) None of these
(c) The Elephant Paradigm (d) How Nations Compete
12. Sangai Festival is celebrated in which state of lndia?
(e) None of these (a) Assam (b) Manipur
2. Where is the headquarter of the UNO ? (c) Bihar (d) Karnataka
(a) Geneva (b) The Hague (e) None of these
(c) New York (d) Paris 13. 'No Tobacco Day' is observed on
(e) None of these (a) 20th May (b) 22nd May
3. All India Music Academy established in which year? (c) 25th May (d) 31 st May
(a) 1919 (b) 1977 (e) None of these
(c) 1953 (d) 1926 14. September 8 is observed every year as
(e) None of these (a) World Health Day (b) World Peace Day
4. Dada Saheb Phalke Award constituted in 1969 for which (c) World Literacy Day (d) Friendship Day
field? (e) None of these
(a) Film (b) Literature 15. Hombill Festival is celebrated in which among the following
states of India?
(c) Sports (d) Science
(a) Manipur (b) Nagaland
(e) None of these
(c) Mizoram (d) Meghalaya
5. The 'yoga' philosophy belongs to
(e) None of these
(a) Gautam (b) Kannada
16. Vishwakarma Rashtriya Puraskar is given by which ministry*
(c) Patanjali (d) Jaimini (a) Ministry of Culture
(e) None of these (b) Ministry of Labour
6. Jnanpith Award is given for which field? (c) Ministry of Minority
(a) Journalism (b) Music (d) Ministry of Rural Development
(c) Science (d) Literature (e) None of these
(e) None of these 17. Which state gives the Nandi Award?
7. Which of the dance forms enlisted in UNESCO? (a) Kerala (b) Tamilnadu
(a) Mudiyeltu (b) Bidesia (c) Karnataka (d) Andhra Pradesh
(c) Maach (d) Yakshagan (e) None of these
(e) None of these 18. Which one of the following is not included in Article 19 of
the constitution of lndia, pertaining to the Right to Freedom?
8. Thillana is a format of
(a) Right to reside and settle in any part of the territory of
(a) Kuchipudi (b) Odissi India
(c) Baharatanatyam (d) Kathak (b) Right to form associations or unions
(e) None of these (c) Right of minorities to establish and administer
9. Who was the author of Das Kapital? educational institutions
(a) J. M. Keynes. (b) Karl Marx (d) Right to assemble peaceably and without arms
(c) James Tobin (d) Adam Smith (e) None of these
(e) None of these 19. What does the 'IAEA' stand for?
10. The Tropic of Cancer passes through which one of the (a) International Atomic Energy Agency
following? (b) International Automobile Energy Agency
(a) Assam (b) Manipur (c) India Atomic Energy Agency
(c) Mizoram (d) Nagaland (d) India Atomic Emergency Agency
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-23
20. Which is the first Asian country to host commonwealth 30. What does SAPTA stand for:
games? (a) South Asian Preferential Trade Agreement
(a) South Korea (b) Japan (b) South Asian Post Trade Agreement
(c) Malaysia (d) India (c) SAARC Preferential Trade Agreement
(e) None of these (d) SAA RC Post Trade Agreement
21. Which was the first Indian Company to be listed on (e) None of these
NASDAQ?
31. Merdeka Cup is associated with
(a) Infosys (b) Satyam
(a) Hockey (b) Football
(c) Reliance (d) TISCO
(c) Basketball (d) Badminton
(e) None of these
(e) None of these
22. The Sastra Ramanujan prize is related to
32. Which of the following awards is given by UNESCO to
(a) Young Physicians
those who popularize use of science in life?
(b) Young Mathematician
(a) Booker Prize (b) Magsaysay Award
(c) Poets
(c) Kalinga Award (d) Kalidas Samman
(d) Scientists
(e) None of these
(e) None of these
33. Bharat Ratna, Padma Vibhushan and Padma Shree are given
23. Saraswati Samman is given to which field? on the eve of
(a) Sanskrit Literature (b) Science (a) Republic Day (b) Independence Day
(c) Literature (d) Social Harmony (c) Gandhi Jayanti (d) Pravasi Bhartiya Divas
(e) None of these (e) None of these
24. Which department presents report on Economic Survey of 34. The award is conferred to journalists aims to providing
India? financial assistance:
(a) Ministry of Commerce (a) Appan Menon Memorial Award
(b) Ministry of Finance (b) Jnanpith Award
(c) Planning Commission of lndia (c) Bhatnagar Award
(d) Prime Minister Office (d) Kalinga Award
(e) None of these (e) None of these
25. The global community comes together to celebrate World 35. The word 'NELP' is associated with
Environment Day on (a) Discovery of Oil and Natural Gas
(a) June 5 (b) June 4 (b) National Highways Extension
(c) July 6 (d) October 2 (c) Communications
(e) None of these (d) Space Research
26. Sports coaches receive which of the following awards? (e) None of these
(a) Rajiv Gandhi Khel Ratna Award 36. Vachaspati Samman is given in the field of
(b) Dronacharya Award (a) Sanskrit Literature
(c) ArjunaAward (b) Medical Science
(d) Bhatnagar Award (c) Indian Philosophy
(e) None of these (d) Hindi Literature
27. The Nobel prize was instituted by which country? (e) None of these
(a) USA (b) UK 37. NCHER stands for
(c) Russia (d) Sweden (a) National Capital for Higer Education and Research
(e) None of these (b) National Committee for Higher Education and Research
28. World Population Day is observed on (c) Non-Capitalisation of Higher Education and Research
(a) July 6 (b) July 7 (d) National Council for Higher Education Resources
(c) July 11 (d) July 1 (e) None of these
(e) None of these 38. Which of the prize is also known as the Alternative Nobel
29. The World Trade Organization (WTO) was earlier known as prize?
(a) UNICEF (b) GATT (a) Pulitzer prize (b) Magsaysay award
(c) UNCTAD (d) FAO (c) Booker prize (d) Right Livelihood award
(e) None of these (e) None of these
F-24 General Knowledge & Banking Awareness
39. Which of the following organisations gives the Kalinga 49. Cryogenic Engines are used in which of the areas of
Prize? technology?
(a) UNESCO (a) Atomic Energy (b) Food Technolog
(b) CSIR (c) Oceanography (d) Space Research
(c) Ministry of Welfare (e) None of these
(d) Department of Science and Technology 50. Who is the author of the book Patrons of the Poor : caste
(e) None of these Politics and Policy Making in India?
40. Dhanwantari award is conferred in the field of: (a) Narayan Lakshman (b) Greg Lindsay
(a) Medical Science (b) Sports (c) Khushwant Singh (d) Salman Rushdie
(c) Indian Philosophy (d) Agriculture (e) None of the above
(e) None of these 51. Dhyanchand Puraskar conferred in the field of
41. The National bravery award is also known as : (a) Music (b) Sports
(a) Bharat Puraskar (b) Hind Puraskar (c) Science (d) Literature
(c) Bharati Puraskar (d) Rashtriya Puraskar (e) None of these
(e) None of these 52. International Labour Day is observed on-
42. The term 'Fourth Estate' refers to (a) May 1 (b) May 3
(a) Under-Developed State (b) Parliament (c) May 9 (d) May 12
(c) Judiciary (d) Press (e) None of these
(e) None of these 53. Kathputli, the string puppetry belongs to
43. The panchatantra was written during the (a) Rajasthan (b) Karnataka
(a) Later Vedic period (b) Mughal period (c) Madhya Pradesh (d) Uttrakhand
(c) Maurya period (d) Post Gupta period (e) None of these
(e) None of these
54. ' Ashoka Chakra' is awarded for
44. The three core values of the Commonwealth Games
(a) the most conspicuous bravery or self sacrifice on land,
movement are:
air or sea but not in the presence of the enemy
(a) Equality, Brotherhood and Unity
(b) acts of gallantry in the presence of enemy
(b) Humanity, Equality and Destiny
(c) gallantry by children
(c) Humanity, Equality and Brotherhood
(d) outstanding contribution to literature
(d) Unity, Humanity and Equality
(e) None of these
(e) None of these
55. Golden Globe award is given by
45. According to the Indian Constitution, what is the minimum
educational qualification required for contesting the Lok (a) UK (b) France
Sabha elections? (c) USA (d) China
(a) Post Graduation (e) None of these
(b) Graduation 56. World Day for Water is observed on which of the following
(c) Higher Secondary days ?
(d) No such qualification is required (a) 22nd May (b) 22nd April
(e) None of these (c) 22nd March (d) 20th March
46. Tansen Samman is conferred in the field of: (e) None of these
(a) Music (b) Literature 57. Which of the following awards is given by the Govt. of
(c) Science (d) Journalism India ?
(e) None of these (a) Kalinga Prize (b) Oscar Awards
47. Onam festival celebrated in (c) Man Booker Prize (d) Pulitzer Prize
(a) Mahrashtra (b) Bihar (e) Jawaharlal Nehru Award for International
(c) Kerala (d) Tamil Nadu Understanding
(e) None of these 58. Which of the following award is given by World Economic
48. Which of the following is a dance drama? Forum?
(a) Kathak (b) Kathakali (a) Crystal Award (b) Kalinga prize
(c) Odissi (d) Manipuri (c) Pulitzer Award (d) Abel prize
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-25
59. The 'Cannes Award' is given for excellence in which field? 70. The book 'The White Tiger' is authored by
(a) Films (b) Journalism (a) Arundhati Roy (b) Aravind Adiga
(c) Literature (d) Environment (c) Kiran Desai (d) VS Naipaul
(e) None of these (e) None of these
60. Pulitzer prize is awarded for outstanding work in the field of 71. 'A passage to England' was written by
(a) Science and Technology (a) Nirad C Chaudhuri
(b) Environmental Studies (b) Rk.Narayan
(c) Literature and Journalism (c) Khushwant Singh
(d) International Understanding
(d) John Western
(e) None of these
(e) None of these
61. Larry page and Sergey Brin are well known as
72. Who is /are the founder/s of Microsoft?
(a) Creators of Bluetooth device
(a) Bill Gates
(b) Founders of Google
(c) Stem cell researchers (b) Paul Allen
(d) Scientists (c) Bill Gates and Paul Allen
(e) None of these (d) Bill Gates and Ray Ozzie
62. Booker prize is given to the field of: (e) None of these
(a) Fiction (b) Poetry 73. The book 'The Audacity of Hope' is written by
(c) Drama (d) Essay (a) Nayantara Sehgal (b) Aravind Adiga
(e) None of these (c) Vikram Seth (d) Barrack Obama
63. FiFi awards are given in ______ industry: (e) None of these
(a) Film (b) Home Appliances 74. The book 'Long walk to Freedom' is written by
(c) Perfumes (d) Automobiles
(a) Sonia Gandhi (b) Nelson Mandela
(e) None of these
(c) Benazir Bhutto (d) Nawaz Sharif
64. The famous book 'The Daughter of the East' is written by
(e) None of these
(a) Taslima Nasreen
(b) Benazir Bhutto 75. The National Sports Day is observed on
(c) Aunsan Suu Kyi (a) 28th Aug. (b) 29th Aug.
(d) Bandaranaike Sirimavo (c) 30th Aug. (d) 31st Aug.
(e) None of these (e) None of these
65. Who is the author of ' Ashtadhyayi'? 76. Nifty is the main share index of which stock exchange?
(a) Sumitranandan (b) Raj Anand (a) Calcutta Stock Exchange (CSE)
(c) Panini (d) Gitta Piramal (b) Bombay Stock Exchange (BSE)
(e) None of these (c) National Stock Exchange (NSE)
66. The book 'A Bend in the River' is written by (d) NASDAQ
(a) VS Naipaul (b) Chetan Bhagat
(e) None of these
(c) Vikram Seth (d) Arundhati Roy
77. Which schedule of Indian constitution contains languages?
(e) None of these (a) 6th (b) 7th
67. Who owns the cosmetic brand, Lakme?
(c) 8th (d) 9th
(a) Procter & Gamble (b) CavinKlare
(e) None of these
(c) Hindustan Unilever Ltd. (d) Wipro
78. The working languages of the UNESCO is/are
(e) None of these
68. Which company was the first to launch mobile phone (a) French only
operations in India? (b) English only
(a) Modi Telstra (b) Reliance India (c) English and French
(c) Bharati (d) Tata Indicom (d) English, French and Russian
(e) None of these (e) None of these
69. Hyundai belongs to which country? 79. 'World Disability Day' is observed annually on
(a) South Korea (b) China (a) 10th Dec. (b) 3rd Dec.
(c) Italy (d) Japan (c) 29th Nov. (d) 15th Dec.
(e) None of these (e) None of these
F-26 General Knowledge & Banking Awareness
80. Champion trophy is associated with 90. With which one of the following activities are Golden Globe
(a) Football (b) Hockey Awards associated?
(c) Cricket (d) Chess (a) Journalism (b) Social work
(e) None of these (c) Peace initiatives (d) Films & Television
81. What is an ISO series? (e) None of these
(a) Documentation of production processes 91. Name of first indigenously developed Super Computer of
India is?
(b) Engineering process flowchart
(a) Param (b) Aryabhatt
(c) Quality management and quality assurance standards
(d) Documentation of marketing processes (c) Apsara (d) Tejas
(e) None of these (e) None of these
82. International Literacy Day was proclaimed by 92. In which one of the following States is Sabari mala temple
located?
(a) WHO (b) Virginia Literacy
(a) Tamil Nadu (b) A.P.
(c) UNESCO (d) UNIDO
(c) Kerala (d) Karnataka
(e) None of these
83. Who amongst the following is the author of the book 'Half (e) None of these
a Life'? 93. Which of the following services is NOT provided by the
(a) Mark Tully (b) Deepak Chopra post offices in India?
(c) V.S.Naipaul (d) Ved Mehta (a) Savings Bank Scheme
(e) None of these (b) Retailing of Mutual Funds
84. Expand the term CCEA as used in administrative circles. (c) Sale of stamps
(a) Cabinet Committee on External Affairs (d) Issuance of Demand Drafts
(b) Cabinet Committee on Economic Affairs (e) None of these
(c) Cabinet Council on External Affairs 94. 'Goodbye Shahzadi' is a book written by
(d) Cabinet Council on Economic Affairs (a) Shyam Bhatia (b) Ashok Mehta
(e) None of these (c) Janardhan Thakur (d) Arun Gandhi
85. Who is the first indian woman to win Olympic medal? (e) None of these
(a) Kunjarani Devi 95. Which of the following awards is given only to individuals
(b) Mary Kom and organisations of Asian countries for excellence in their
(c) Karnam Malleshwari respective fields?
(d) Tania Sachdev (a) Booker Prize
(e) None of these (b) Nobel Prize
86. 'Grand Slam' is associated with the game of (c) Templeton Prize
(a) Lawn Tennis (b) Hockey (d) Ramon MagsaysayAward
(c) Football (d) Swimming (e) Oscar Awards
(e) None of these 96. Which of the following is now a fundamental right of every
87. Rangaswami Cup is associated with child in India?
(a) Wrestling (b) Football (a) To get a unique identity card as a proof of citizenship
(c) Hockey (d) Golf (b) To get free medical aid in any hospital in India, private
(e) None of these or govt.
88. Expand the term GSLV. (c) To get enough food to survive even without any
parental support
(a) Geosynchronous Satellite Launch Vehicle
(d) To get elementary education
(b) Global Satellite Launch Vehicle
(c) Geosynchronous Station Launch Vehicle (e) None of these
(d) Global Station Launch Vehicle 97. Which of the following is correctly matched?
(e) None of these (a) Cricket: Bogey
89. Which of the following terms is used in Cricket? (b) Boxing: Bully
(a) Centre forward (b) Goal (c) Chess: Checkmate
(c) Love (d) LBW (d) Tennis: Daisy-cutter
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-27
98. Duleep Trophy is associated with the game of 108. Which game is associated with Queensberry rules?
(a) Hockey (b) Badminton (a) Weight lifting (b) Boxing
(c) Football (d) Cricket (c) Golf (d) Polo
(e) None of these (e) None of these
99. The Right of Children to Free and Compulsory Education 109. Who is the author of the novel Half Girlfriend?
Bill was passed in the Lok Sabha. It falls under (a) Kavin Maurer (b) Martin Dugard
(a) The 86th Constitutional Amendment (c) Ravinder Singh (d) Chetan Bhagat
(b) The 94th Constitutional Amendment (e) None of these
(c) The 90th Constitutional Amendment 110. Which one of the following games is associated with the
(d) The 89th Constitutional Amendment Sultan Azlan Shah Cup?
(e) None of these (a) Hockey (b) Football
100. Who amongst the following is the founder of Facebook? (c) Cricket (d) Tennis
(a) Steve Jobs (b) Steve James (e) None of these
(c) SabeerBhatia (d) Mark Zuckerberg 111. Who amongst the following is the author of the book "Many
(e) None of these Lives Many Masters" ?
101. Book 'Devil May Care' is written by (a) Robin Cook
(a) Salman Rushdie (b) Ian Fleming (b) Dr. Brian Weiss
(c) JK Rowling (d) Sebastian Faulks (c) L. K. Advani
(e) None of these (d) Admiral Vishnu Bhagwat
102. Book 'Indian Army Vision 2020' is written by (e) None of these
(a) Deepak Kapoor (b) Gurmeet Kanwal Malik 112. Who is the author of "A River Sutra"?
(c) VP Malik (d) Y.V. Reddy (a) VS Naipaul (b) Nirad C Choudhari
(e) None of these (c) Gita Mehta (d) Vikram Seth
103. Of the following, who has authored the Book "I Too Had a (e) None of these
Dream"?
113. 'The Hungry Tide' is written by
(a) Anita Nair (b) Kurien Verghese
(a) Amitav Ghosh (b) Arundhati Roy
(c) Okram Ibobi Singh (d) S.S. Sidhu
(c) Shashi Tharoor (d) Ved Mehta
(e) None of these
(e) None of these
104. 'Out of My comfort Zone' is the autobiography of a Cricketer
in which he has written the adverse effects of drinking 114. Who is the author of the book 'Conquest of Self?
culture of his term. Name the Cricketer. (a) Aurobindo Ghosh
(a) Imran Khan (b) Sanath Jaisurya (b) Rabindra Nath Tagore
(c) Allen Boarder (d) Steve Waugh (c) Mahatma Gandhi
(e) None of these (d) S. Radhakrishnan
105. Who has written the book, 'Gifted'? (e) None of these
(a) Anita Desai (b) Shobha De 115. 'Golden Threshold' and 'Broken wings' are written by:
(c) Nikita Lalvani (d) Indira Sinha (a) Sarojini Naidu
(e) None of these (b) Indira Priyadarshani
106. "Barack Obama, the New Face of American Politics" has (c) Kalpana Datta
been written by (d) Lakshmi Sehgal
(a) Erez Mandela (e) None of these
(b) Henary Keith
116. 'Playing to Win'is written by
(c) Bill Clinton
(a) Salman Rushdie (b) SainaNehwal
(d) Martin Dupuis & Keith Boeckleman
(c) NadeemAslam (d) Harsh Mander
(e) None of these
(e) None of these
107. Who among the following is the author of the book 'The
117. 'The Freethinker's prayer book' was written by
Namesake'?
(a) Khushwant Singh (b) Tavleen Singh
(a) Arundhati Roy (b) Kiran Desai
(c) Salman Rushdie (d) NadeemAslam
(c) Amitava Ghosh (d) Jhumpa Lahiri
(e) None of these (e) None of these
F-28 General Knowledge & Banking Awareness
118. 'The Last War ' was written by 124. The book 'The White Tiger' is authored
(a) Sandipan Deb (a) Arundhati Roy (b) Aravind Adiga
(b) Madhumita Mukherjee (c) Kiran Desai (d) VS Naipaul
(c) Vinod Mehta (e) None of these
(d) Harsh Mander 125. 'World Cancer Day' is observed on
(e) None of these (a) 19th February (b) 4th February
119. The book 'Jhansi Ki Rani' was written by (c) 12th February (d) 17th January
(a) Devkinandan
(e) None of thes
(b) Sharat Chand Chaudhary
126. World Environment Day run by the UNEP on
(c) Vrindavanlal Verma
(a) 11th Dec. (b) 20th Dec.
(d) Mahadevi Verma
(c) 15th Sept. (d) 5th June
(e) None of these
(e) None of these
120. The National Youth Day is celebrated on
127. WTO came into existence in the year
(a) 12th Jan. (b) 13th Jan.
th
(c) 14 Jan. (d) 15th Jan. (a) 1977 (b) 1985
(e) None of these (c) 1995 (d) 1950
121. The Anti-terrorism Day is observed on (e) None of these
(a) 20th May (b) 21st May 128. The first summit of SAARC was held at
(c) 22nd May (d) 23rd May (a) Kathmandu (b) Colombo
(e) None of these (c) New Delhi (d) Dhaka
122. Lndex 'Residex' is associated with (e) None of these
(a) share prices (b) mutual fund prices
129. 'India Remembered' is written by
(c) price inflation index (d) land prices
(a) JK Rowling
(e) None of these
123. Vikram Sarabhai Space Centre (VSSC) is at (b) Robert Dallek
(a) Thiruvananthapuram (b) Mumbai (c) Pamela Mountbatten
(c) Hyderabad (d) Bengaluru (d) Stephen Hawking
(e) None of these (e) None of these

ANSWER KEY
1 (b) 16 (b) 31 (b) 46 (a) 61 (b) 76 (c) 91 (a) 106 (d) 121 (b)
2 (c) 17 (d) 32 (c) 47 (c) 62 (a) 77 (c) 92 (c) 107 (d) 122 (d)
3 (a) 18 (c) 33 (a) 48 (b) 63 (c) 78 (d) 93 (d) 108 (b) 123 (a)
4 (a) 19 (a) 34 (a) 49 (d) 64 (b) 79 (b) 94 (a) 109 (d) 124 (b)
5 (c) 20 (c) 35 (a) 50 (a) 65 (c) 80 (b) 95 (d) 110 (a) 125 (b)
6 (d) 21 (a) 36 (a) 51 (b) 66 (a) 81 (c) 96 (d) 111 (b) 126 (d)
7 (a) 22 (b) 37 (d) 52 (a) 67 (c) 82 (c) 97 (c) 112 (c) 127 (c)
8 (c) 23 (c) 38 (d) 53 (a) 68 (a) 83 (c) 98 (d) 113 (a) 128 (d)
9 (b) 24 (b) 39 (a) 54 (a) 69 (a) 84 (b) 99 (a) 114 (c) 129 (c)
10 (c) 25 (a) 40 (a) 55 (c) 70 (b) 85 (c) 100 (d) 115 (a)
11 (a) 26 (b) 41 (a) 56 (c) 71 (d 86 (a) 101 (d) 116 (b)
12 (b) 27 (d) 42 (d) 57 (e 72 (c) 87 (c) 102 (b) 117 (a)
13 (d) 28 (c) 43 (e 58 (a) 73 (d 88 (b) 103 (d) 118 (a)
14 (c) 29 (b) 44 (b) 59 (a) 74 (b) 89 (d) 104 (d) 119 (c)
15 (b) 30 (a) 45 (d) 60 (b) 75 (b) 90 (d) 105 (c) 120 (a)
General Knowledge & Banking Awareness F-29

E X E RC I S E -3
9. Which Indian bank has signed a pact with the State General
CURRENT BANKING
Reserve Fund of Oman (SGRF) to fund $50 million in Oman's
1. Suvidha Prepaid Card service has been launched by which private equity fund, Oman India Joint Investment Fund
bank? (OIJIF)?
(a) Vijaya Bank (b) Dena Bank (a) State Bank of India
(c) Canara Bank (d) UCO Bank (b) Asian Development bank
(e) None of these (c) ICICI Bank
(d) Reserve Bank of India
2. How much amount has been announced by the Reserve
(e) None of these
Bank of India to provide to Nepal Rastra Bank in Rs 100
10. The International Monetary Fund (IMF) has revised the
denomination note ?
GDP growth estimate of India for the current fiscal year to
(a) Rs.75 million (b) Rs.1 billion _____ percent from the previous 7.6 percent on January 16,
(c) Rs. 1.5 billion (d) Rs. 90 million 2017.
(e) None of these (a) 6 percent (b) 6.6 percent
3. Which bank has tied up with Life Insurance Corporation of (c) 7.1 percent (d) 6.3 percent
India (LIC) to boost venture capital investment in MSME (e) None of these
Sector? 11. Which state h as launched the En trepreneurship
(a) Reserve Bank of India (RBI) Development Scheme (EDS) on January 19, 2017 under the
(b) Securities and Exchange Board of India (SEBI) New Economic Development Policy (NEDP)?
(c) National Bank for Agriculture and Rural Development (a) Uttar Pradesh (b) Mizoram
(NABARD) (c) Maharashtra (d) Haryana
(d) Small Industries Development Bank of India (SIDBI) (e) None of these
12. Which bank has signed an MoU with India Post Payments
(e) None of these
Bank(IPPB) on January 17, 2017 to provide technology
4. Which state has recently launched its own e-wallet
platform for pilot launch of IPPB?
Tokapoisa.in to enable the residents perform digital
(a) ICICI Bank (b) Punjab National Bank
transaction? (c) State Bank of India (d) HDFC Bank
(a) Arunachal Pradesh (b) West Bengal (e) None of these
(c) Sikkim(d) Assam 13. Which bank has launched a contactless credit card facility
(e) None of these Wave N Pay on January 21, 2017?
5. Which bank has recently introduced a humanoid robot IRA (a) ICICI Bank (b) Bank of Baroda
for easy service to customers? (c) Punjab National Bank (d) State Bank of India
(a) Citi Bank (b) HDFC Bank (e) None of these
(c) ICICI Bank (d) Andhra Bank 14. The Reserve bank of India has announced the restructuring
(e) None of these of _________ loan will not be treated as Non Performing
6. The India Post Payment Bank has started its pilot services Asset.
in which of the given cities from January 30, 2017? (a) Auto Loan (b) Home Loan
(c) Education Loan (d) Start-Up Loan
(a) Raipur and Ranchi
(e) None of these
(b) Mysore and Gandhinagar 15. Under the Varishtha Pension Bima Yojana 2017, approved
(c) Pune and Indore by the government on January 24, 2017, a guaranteed rate
(d) Chennai and Kochi of return of ______ per annum would be provided for a
7. What is the revised GDP growth estimate for India by the period of ten years.
World Bank for 2016-17 fiscal ending March 31, 2017? (a) 6 Percent (b) 5 Percent
(a) 7.4 Percent (b) 6.8 Percent (c) 7 Percent (d) 8 Percent
(c) 7 Percent (d) 7.6 Percent (e) None of these
(e) None of these 16. Which bank has launched a new digital transaction service
8. Government Policy Think Tank NITI Aayog has estimated named SIMsePAY, that allows customers of the bank to do
the GDP growth rate of India to __________ for 2016-17? money transfers, pay bills and other mobile banking
(a) 6.8 percent (b) 8 percent services, without the need for smart phones or internet ?
(a) RBL Banl (b) ICICI Bank
(c) 7.6 percent (d) 7 percent
(c) Yes Bank (d) HDFC Bank
(e) None of these
(e) None of these
F-30 General Knowledge & Banking Awareness
17. According to the Central Statistics Office (CSO) the Gross (a) 1.5 Crore (b) 2 Crore
Domestic Product (GDP) of Indian economy has grown at (c) 2.5 Crore (d) 5 Crore
the rate of __________ in the second quarter of FY17. (e) None of these
(a) 7.1% (b) 7.3% 27. Which bank on 14 January 2016 became the first public
(c) 7.6% (d) 7.5% sector bank to launch wealth management services?
(e) None of these (a) SBI (b) Allahabad Bank
18. The Reserve Bank of India (RBI) has decided to extend the (c) UCO Bank (d) Canara Bank
time for installment of Aadhaar-enabled PoS devices till (e) None of these
which date? 28. Which private sector bank during January 2016 claimed to
(a) March 29, 2017 (b) February 1, 2017 have become the first private sector bank in India to cross
(c) January 30, 2017 (d) June 30, 2017 ` 1 lakh crore mark in mortgage disbursals?
(e) None of these (a) HDFC Bank (b) Indus-Ind Bank
19. The Women and Child Development Ministry has tied up (c) ICICI Bank (d) Axis Bank
with ________ and ___________ to offer wider payment (e) None of these
option to buyers to buy products from "Mahila E-haat". 29. Asian Infrastructure Investment Bank (AIIB), the new
(a) Punjab National Bank and State Bank of India international finance institution that aims to support the
(b) India Post and State Bank of India building of infrastructure in the Asia-Pacific region, was
(c) ICICI Bank and Punjab National bank formally launched during January 2016. Which Indian was
(d) India Post and Yes Bank elected to the 12-member board of this bank?
(e) None of these (a) Ramesh Damani (b) Dinesh Sharma
20. Which bank has won the The Best MSME Bank Award 2016 (c) Arun Jaitley (d) Prakash Hegde
by ASSOCHAM at the fourth SMEs Excellence Award (e) None of these
function held in New Delhi ? 30. What is the proposed tax-holiday to be provided to "Start-
(a) Corporation Bank (b) UCO Bank ups" coming into existence after 1 April 2016, as announced
(c) Syndicate Bank (d) Vijaya Bank by Prime Minister Narendra Modi at the inaugural session
(e) None of these of the Start-Up India programme during January 2016?
21. Who has been appointed as Non-Executive Chairperson of (a) 10 years (b) 5 years
Mumbai based IDFC Bank with effect from December 9, (c) 3 years d) 2 years
2016 up to July 26, 2018? (e) None of these
(a) Rajiv Lall (b) Anil Baijal 31. What is the name given to SBI's first specialized branch for
(c) Vinod Rai (d) Veena Mankar catering to the financial needs of start-ups that was opened
(e) None of these on 14 January 2016 in Bengaluru?
22. The Reserve Bank of India is issuing a new batch of ` 500 (a) 'Start-up SBI' (b) 'SBI Start-up'
notes in Mahatma Gandhi (New) series with which inset (c) 'SBI Staart' (d) 'SBI InCube'
letter? (e) None of these
(a) R (b) S 32. Life Insurance Corporation of India (LIC) launched which
(c) P (d) L closed-ended single-premium plan for sale from 11 January
(e) None of these 2016?
23. Who has been appointed as the new Chairman of Life (a) Jeevan Prakash (b) Jeevan Samriddhi
Insurance Corporation (LIC), on December 14, 2016? (c) Jeevan Shikhar (d) Jeevan Alok
(a) S K Roy (b) Sunita Sharma (e) None of these
(c) D K Mehrotra (d) V K Sharma 33. Which private sector bank has recently partnered FINO
(e) None of these PayTech to foray into the payments bank space, as
24. The 'Aadhaar Payment App' of government of India has announced on 8 January 2016?
been developed by which bank along with UIDAI and NPCI? (a) ICICI Bank (b) HDFC Bank
(a) HDFC Bank (b) IDFC Bank (c) Yes Bank (d) Kotak Mahindra Bank
(c) Yes Bank (d) Axis Bank (e) None of these
(e) None of these 34. What was the main reason for the 1-day bank strike observed
25. ICICI Bank has launched a payments collection app for by bank employees on 8 January 2016?
merchants and retailers which will allow customers to pay (a) To protest against the proposed committee on monetary
any mode of payment. Name the App. policy to undermine the role of the RBI
(a) DigiPay (b) EazyPay (b) To protest against alleged upper-hand given to private
(c) PayZapp (d) CitrusPay banks in managing their NPAs
(e) None of these (c) To protest against violation of employees service
26. The Government of India has achieved its target of agreements by the five associate banks of the SBI
distributing _______ crore LPG connections to the BPL (d) To demand better working conditions and salary
households in less than 8 months for the year 2016-2017 structure
under Pradhan Mantri Ujjwala Yojana (PMUY). (e) None of these
General Knowledge & Banking Awareness F-31
35. Which associate bank of SBI was imposed a fine of ` 1 crore (b) Arab Bank
by the RBI during January 2016 for violation of some of its (c) Commercial Bank of Dubai
instructions? (d) Emirates NBD
(a) State Bank of Hyderabad (e) None of these
(b) State Bank of Bikaner and Jaipur 45. RBL Bank picked how much percentage stake in Utkarsh
(c) State Bank of Patiala Micro Finance?
(d) State Bank of Travancore (a) 26% (b) 13%
(e) None of these (c) 15% (d) 10%
36. Which PSU bank agreed to buy four premium Mumbai flats (e) 11%
belonging to Air India in an all-cash deal of Rs. 90 crore 46. ICICI Bank acquired how much percentage stake in ABG
under airline's asset monetization plan? Shipyard?
(a) Bank of Baroda (b) SBI (a) 26% (b) 13%
(c) Canara Bank (d) PNB (c) 15% (d) 10%
(e) None of these (e) 11%
37. Which of the following bank partners with crownit for digital 47. Which bank became the first public sector bank to launch
meal vouchers? wealth management services?
(a) HDFC (b) ICICI (a) SBI (b) Allahabad Bank
(c) SBI (d) Axis (c) UCO Bank (d) Canara Bank
(e) Yes (e) None of these
38. Which is the first bank in India to integrate the Masterpass 48. India has recently signed loan agreement with which
QR Mobile Payment solution? International financial institution for Karnataka Urban
(a) HDFC (b) DCB Water Supply Modernization project?
(c) RBL (d) Axis (a) Asian Development Bank (ADB)
(e) Yes (b) World Bank (WB)
39. Recently, Axis Bank has launched 'Buzz Credit Card' in (c) New Development Bank (NDB)
partnership with? (d) Asian Infrastructure Investment Bank (AIIB)
(a) Amazon (b) Snap Deal (e) None of these
(c) Flipkart (d) Jabang 49. The Islamic Development Bank (IDB) will open its first
(e) None of these branch in which city of India?
40. Which of the following partners with UAE India for money (a) Ahmedabad (b) Lucknow
transfer business?
(c) Ajmer (d) Raipur
(a) Yatra (b) Goibibo
(e) None of these
(c) Expedia (d) Cox & Kings
50. What is the name given to SBI's first specialized branch
(e) SOTC
for catering to the financial needs of start-ups that was
41. Which of the following is launched by ICICI Bank UK PLC
opened in Bengaluru?
in Sweden, Norway and Denmark?
(a) 'Start-up SBI' (b) 'SBI Start-up'
(a) Money2India Europe
(b) Money4India Europe (c) 'SBI Staart' (d) 'SBI InCube'
(c) MoneytwoIndia Europe (e) None of these
(d) MoneyforIndia Europe 51. What is the India's rank in access to electricity, as per
(e) None of these SocialCops' analysis of World Bank data.
42. Under 'ICICI Bank Home Overdraft' scheme, a salaried (a) 189th (b) 166th
customer can seek loans upto? (c) 137th (d) 98th
(a) 5 crore (b) 50 lakh (e) None of these
(c) 30 lakh (d) 1 crore 52. Which private sector bank has recently partnered FINO
(e) 2 crore PayTech to foray into the payments bank space, as
43. Which has been conferred "Special Award for Excellence in announced ?
MSME lending" for its performance in lending to the MSME (a) ICICI Bank (b) HDFC Bank
sector during the year 2013-14 and 2014-15? (c) Yes Bank (d) Kotak Mahindra Bank
(a) State Bank of Travancore (e) None of these
(b) State Bank of Patiala 53. Which financial institution of India has become the first
(c) Karnataka Bank to sign MoU with the BRICS promoted 'New Development
(d) Canara Bank Bank (NDB)'?
(e) Vijaya Bank (a) Small Industries Development Bank of India (SIDBI)
44. ICICI Bank has partnered with which of the following to (b) State Bank of India ( SBI)
execute block chain based transactions? (c) ICICI Bank
(a) Mashreq Bank (d) Exim Bank
(e) None of these
F-32 General Knowledge & Banking Awareness
54. Which associate bank of SBI was imposed a fine of ` 1 (c) It fixes a time limit of 150 days (extendable by a further
crore by the RBI for violation of some of its instructions? 90 days) for completion of the corporate insolvency-
(a) State Bank of Hyderabad resolution process
(b) State Bank of Bikaner and Jaipur (d) It fixes a time limit of 200 days (extendable by a further
(c) State Bank of Patiala 90 days) for completion of the corporate insolvency-
(d) State Bank of Travancore resolution process
(e) None of these (e) None of these
55. Which PSU bank agreed to buy four premium Mumbai flats 62. The 10th Ministerial Conference of the World Trade
Organization (WTO) concluded with some landmark
belonging to Air India in an all-cash deal of `90 crore under
agreements on a series of trade initiatives. This WTO
airline's asset monetization plan?
Conference was held at -
(a) Bank of Baroda (b) SBI (a) Cancún, Mexico (b) Geneva, Switzerland
(c) Canara Bank (d) PNB (c) Bali, Indonesia (d) Nairobi (Kenya)
(e) None of these (e) None of these
56. The RBI committee on pushing Financial Inclusion 63. UBIN" drive has been started for start-ups to begin their
submitted its report. The committee recommended a slew new businesses without any delays. What does UBIN
of measures, including a special deposit scheme for the girl stands for?
child, government-to-person social cash transfer, and (a) Unidentified Business Identification Number
opening interest-free windows (Islamic banking) by banks. (b) Unique Business Identification Number
Who headed this committee? (c) Unified Business Identification Number
(a) Deepak Ganguly (b) Deepak Mohanty (d) Unicode Business Identification Number
(c) Deepak Pathak (d) Deepak Singhal (e) None of these
(e) None of these 64. Insolvency and Bankruptcy Code Bill, 2016 passed
57. Which entity became the first in the country to tie up with by__________.
e-Mudhra, the government licensed certifying authority to (a) Manoj Sinha
introduce 'eSign'? (b) Mahesh Sharma
(a) IDBI Bank (b) HDFC Bank (c) Jayant Sinha
(c) ICICI Bank (d) Axis Bank (d) Shri Upendra Kushwaha
(e) None of these (e) None of these
58. Indian Railways tied up with which private sector bank to 65. Which bank ties up with US based Payments Company for
sell rail tickets through its applications? faster international remittances
(a) ICICI Bank (b) Axis Bank (a) Tamilnadu Mercantile Bank
(c) HDFC Bank (d) SBI Bank (b) South Indian Bank
(e) None of these (c) City Union Bank
59. Which IT entity launched its mobile wallet called (d) Federal Bank
'MoboMoney'? (e) None of these
(a) TCS (b) HCL 66. Which Bank signs MoU with BRICS Grouping-promoted
(c) Infosys (d) Tech Mahindra Ltd New Development Bank.
(e) None of these (a) ICICI (b) HDFC
60. What was India's rank in World Bank's Ease of Doing (c) IndusInd Bank (d) Yes Bank
Business global list 2016 of 189 countries that was released (e) None of these
December last year?
67. Which bank ties up with US based Payments Company for
(a) 128th (b) 129th
faster international remittances?
(c) 130th (d) 131st
(a) Tamilnad Mercantile Bank
(e) None of these
61. Th e Insolvency an d Ban kruptcy Code 2016 was (b) South Indian Bank
introduced in the Rajya Sabha by Union Government for (c) City Union Bank
insolvency resolution in a time-bound manner. What is the (d) Federal Bank
main objective of this Code? (e) None of these
(a) It fixes a time limit of 180 days (extendable by a further 68. Which public sector bank received its Board's approval to
90 days) for completion of the corporate insolvency- raise funds by diluting government stake to 52% from the
resolution process current 65%?
(b) It fixes a time limit of 90 days (extendable by a further (a) SBI Bank (b) IDBI Bank
90 days) for completion of the corporate insolvency- (c) Corporation Bank (d) Dena Bank
resolution process
(e) None of these
General Knowledge & Banking Awareness F-33
69. Insurance major Sun Life will increase its stake in Birla Sun 78. What will be the total corpus of the new Financial
Life Insurance (BSLI) to 49% from 26% as announced by Inclusion Fund (FIF) that was announced by the Reserve
Aditya Birla Nuvo Ltd (ABNL). Bank of India (RBI)?
Sun Life is a leading insurance service provider of which (a) ` 2,000 crore (b) ` 2,100 crore
country? (c) ` 3,000 crore (d) ` 3,100 crore
(e) None of these
(a) Canada (b) Germany
79. Which private sector bank claimed that it has become the
(c) Italy (d) Australia
first bank to set up its IFSC banking operations at the
(e) None of these highly-ambitious Gujarat International Finance Tec City
70. Who Launched Portal for Contract Labour Payment (GIFT City)?
Management System? (a) HDFC Bank (b) Yes Bank
(a) JP Nadda (b) Kalraj Mishra (c) Axis Bank (d) ABN-Amro Bank
(c) Sushma Swaraj (d) Shri Piyush Goyal (e) None of these
(e) None of these 80. Reliance Capital Asset Management (RCAM) takeover of
71. When Yuan will be officially added to the Special Drawing which global financial giant's mutual fund business in India
Rights (SDR) basket alongside the dollar, euro, pound with which it becomes the exclusive fund manager for the
sterling and yen to get reserve currency status? government's ambitious Central Public Sector Enterprises
(CPSE) Exchange Traded Fund?
(a) August 2016 (b) September 2016
(a) Goldman Sachs (b) Subrin Map.
(c) October 2016 (d) November 2016
(c) Motilal Oswal (c) Kotak Mutual Fund
(e) None of these (e) None of these
72. Union IT & Communications Minister Ravi Shankar Prasad 81. Indian Railways received ` 2,000 crore from Life Insurance
informed that India Posts payments bank will start Corporation (LIC) as part of long-term funding tied-up with
functioning from which date. the state-run insurer to restart the investment cycle. LIC
(a) March 2017 (b) April 2017 is altogether providing how much amount of long-term
(c) January 2017 (d) October 2016 fund to Railways for capacity augmentation?
(e) None of these (a) ` 1.0 lakh crore (b) ` 1.25 lakh crore
73. Union Govt. extended the usage criterion of the RuPay (c) ` 1.5 lakh crore (d) ` 2.0 lakh crore
debit cards under the Pradhan Mantri Jan Dhan Yojana (e) None of these
(PMJDY) in order to avail of the in-built insurance cover 82. Which company became the first corporate to sign the
to 90 days. What was the usage criterion till now? revised listing agreement with the BSE as mandated under
(a) 30 days (b) 45 days SEBI's newly introduced Listing Regulation?
(c) 50 days (d) 60 days (a) Reliance Industries Limited (RIL)
(e) None of these (b) Kotak Mahindra
74. Which Indian private sector entity bought a 40% stake in (c) UTI
OakNorth Bank, a British lender to small businesses and (d) AdityBirla Group
entrepreneurs, as disclosed ? (e) None of these
(a) ICICI Lomband (b) Max Bupa 83. The Reserve Bank of India (RBI) initiated corrective action
(c) Religare (d) India bulls Group at which public sector bank on the grounds that its
(e) None of these management is unable to revive it?
75. Who is the current CEO Standard Chartered of its India (a) Allahabad Bank
operations? (b) Indian Overseas Bank (IOB)
(a) Zarin Daruwala (b) Sandeep Das (c) Corporation Bank
(c) M.K. Sharma (d) Zarin Aman (d) Andhra Bank
(e) None of these (e) None of these
76. Union Govt. is poised to issue long-term government 84. Sleuths from the Central Bureau of Investigation (CBI),
securities (G-secs), which will be the longest tenure Enforcement Directorate (ED) and Serious Fraud
securities to be brought out by the government. What will Investigation Office (SFIO) raided a Delhi branch of which
be tenure of these G-secs, as announced by the Reserve public-sector bank to investigate a case associated with
Bank of India (RBI)? illegal foreign transfers?
(a) 35 years (b) 38 years (a) Bank of Baroda (b) Allahabad Bank
(c) 40 years (d) 45 years (c) Corporation Bank (d) Andhra Bank
(e) None of these (e) None of these
77. Union Govt. imposed how much Swachh Bharat Cess on 85. Which private bank recently received the approval of the
all services? Reserve Bank of India (RBI) to set up a mutual fund, asset
(a) 0.2% (b) 0.5% management company (AMC) and a trustee company?
(c) 0.8% (d) 1.0% (a) City Union Bank (b) Yes Bank
(e) None of these (c) Federal Bank (d) IndusInd Bank
(e) None of these
F-34 General Knowledge & Banking Awareness
86. Which bank was listed as the worst performer among the 94. Who is the chairman of the recently created Tax Policy
public sector banks (PSU banks) for registering the highest Council (TPC) in India?
increase in gross non-performing assets (NPAs) in (a) Union Finance Minister
percentage terms against total loans for last fiscal year, as (b) Secretary of Department of Financial Services
disclosed in recently released data by the RBI? (c) Secretary of Department of Economic Affairs
(a) Oriental Bank of Commerce (d) Chairman of Central Board of Direct Taxes (CBDT)
(b) Indian Bank (e) None of these
(c) Indian Overseas Bank 95. Who has been appointed as Vice-President of Asian
(d) UCO Bank Infrastructure Investment Bank (AIIB)?
(e) None of these (a) Kamal Vatta (b) D J Pandian
87. Government signed the Loan and Project Agreements with (c) Mitali Saran (d) Sreenivasan Kumar
World Bank (IBRD) for assistance of US$ 100 million for (e) None of these
which state Urban Water Supply Modernization project? 96. Who has been appointed from India as Senior Director in
(a) Kerala (b) Karnataka the World Bank?
(c) Amilnadu (d) Andhra Pradesh (a) Amitabh Singh (b) Saroj Kumar Jha
(e) None of these (c) Suvarna Kumar (d) Nikhil Srivastav
88. China launched the much anticipated international payment (e) None of these
system that seeks to provide global dimensions to its 97. Who has been appointed as the first Chairman of the Banks
currency Yuan. What is the name of this payment system? Board Bureau (BBB)?
(a) China International System (a) Rupa Kudwa (b) Anil K Khandelwal
(b) Cross Border Inter-Bank Payments Systems (c) Vinod Rai (d) H N Sinor
(c) China Interbank Payment Systems (e) None of these
(d) Both (b) and (c) 98. The 2016 World Economic Forum (WEF) an nual
(e) None of these conference has been started in which city?
89. Which private bank claimed that it has become the first (a) Berlin (b) New York
bank globally to launch a mobile app-based on 'mVisa', a (c) Davos (d) Paris
new mobile payment solution from Visa? (e) None of these
(a) HDFC Bank (b) ICICI Bank 99. What is the India's economic growth forecast for current
(c) Axis Bank (d) Yes Bank fiscal as per International Monetary Fund (IMF)?
(e) None of these (a) 7% (b) 7.3%
90. Which bank has won the first ever Green Bond Pioneer (c) 7.8% (d) 8.1%
Award 2016? (e) None of these
(a) State Bank of India 100. Who has been elected from India to the board of directors
(b) Bank of Baroda of the Asian Infrastructure Investment Bank (AIIB)?
(c) Punjab National Bank (a) Rahul Mishra (b) Dinesh Sharma
(d) Yes Bank (c) VK Singh (d) Arun Jaitley
(e) None of these (e) None of these
91. U K Sinha has been reappointed as the Chairman of which 101. The NITI Aayog has collaborated with which organisation
of the following organisation? for conducting a survey of manufacturing firms?
(a) IRDA (b) PFRDA (a) State Bank of India
(c) SEBI (d) CCI (b) Punjab National Bank
(e) None of these (c) IDFC Bank
92. Which bank has launched 'Japan Desk' to facilitate (d) ICICI bank
Japanese corporates investing in India? (e) None of these
(a) State Bank of India 102. Which bank has launched India's first start-up focussed
(b) Punjab National Bank bank branch?
(c) Bank of Baroda (a) Punjab National Bank
(d) Dena Bank Hide (b) Canara Bank
(e) None of these (c) State Bank of India
93. Which of the following agreement is signed between (d) Bank of Baroda
Reserve Bank of India (RBI) and UAE Central Bank? (e) None of these
(a) Monetary Exchange Agreement 103. Which of the following organisations has published the
(b) Currency Swap Agreement 2016 World Development Report?
(c) Anti- Money Laundering Agreement (a) UNCTAD (b) World Bank
(d) Rupee Exchange Agreement (c) IMF (d) WTO
(e) None of these (e) None of these
General Knowledge & Banking Awareness F-35
104. What is the name of the new crop insurance scheme 112. Which of the following organisation has launched its first
approved by the union cabinet? Uridashi Masala bonds?
(a) Mahatma Gandhi Fasal Bima Yojana (a) International Monetary Fund (IMF)
(b) Atal Fasal Bima Yojana (b) International Finance Corporation (IFC)
(c) Pradhan Mantri Fasal Bima Yojana (c) Asian Development Bank (ADB)
(d) Deen Dayal Upadhyaya Fasal Bima Yojana (d) BRICS Bank
(e) None of these
(e) None of these
105. Which of the following organisations has won the National
113. Which of the following foreign borrowings are considered
Award on e-Governance 2015-16 for launching the
under External Commercial Borrowings (ECBs) in India?
Universal Account Number (UAN)?
(a) Exim Bank (a) Buyer's credit (b) Supplier's credit
(b) SIDBI (c) Bank loans (d) All the above
(c) Employees' Provident Fund Organisation (e) None of these
(d) NABARD 114. Which of the following countries has imposed economic
(e) None of these sanctions against Turkey, recently?
106. Which one of the following stock exchanges will get its (a) United States (US)
own postage stamp? (b) France
(a) Bombay Stock Exchange (BSE) (c) Russia
(b) National Stock Exchange of India Ltd (d) Germany
(c) MCX Stock Exchange (e) None of these
(d) Bangalore Stock Exchange 115. Which of the following banks is the world's largest bank
(e) None of these by assets?
107. The IFSC Banking Units (IBUs) are allowed to open which (a) Bank of America
of the following types of bank accounts? (b) Industrial & Commercial Bank of China (ICBC)
(a) Savings accounts (c) BNP Paribas
(b) Current accounts (d) Bank of China
(c) Foreign currency current accounts (e) None of these
(d) All the above
116. Which of the following banks is the first Indian bank to
(e) None of these
introduce Display Debit cards?
108. Who has been conferred with the 2016 Global and Asia-
(a) HDFC Bank (b) Axis Bank
Pacific Central Bank Governor of the Year?
(c) ICICI Bank (d) State Bank of India
(a) Janet Yellen (b) Mark Carney
(e) None of these
(c) Raghuram Rajan (d) Haruhiko Kuroda
(e) None of these 117. Which of the following organisations has launched the
109. The NABARD has signed a Memorandum of Transformative Carbon Asset Facility (TCAF)?
Understanding (MoU) with which of the following (a) WTO (b) World Bank
organisations for web-based monitoring of watershed (c) BRICS (d) SCO
projects? (e) None of these
(a) National Remote Sensing Center (NRSC) 118. As per the latest report of NITI Aayog, which of the
(b) Geological Survey of India (GSI) following states has emerged as the "fastest growing
(c) ISRO economy" in India in 2014-15?
(d) DRDO (a) Bihar (b) Madhya Pradesh
(e) None of these (c) Maharashtra (d) Goa
110. Which of the following companies publishes Purchasing (e) None of these
Managers' Index (PMI)? 119. What is the revised Priority Sector Lending (PSL) target
(a) National Stock Exchange of India Limited for Regional Rural Banks (RRBs) from January 1, 2016?
(b) BSE Institute Limited (a) 60% of outstanding advances
(c) Markit (b) 70% of outstanding advances
(d) HSBC Analytics (c) 75% of outstanding advances
(e) None of these (d) 80% of outstanding advances
111. Which of the following organisations has launched Jeevan (e) None of these
Labh scheme? 120. Which of the following organisations is the first from India
(a) New India Insurance Ltd to join the World Bank's Zero Routine Flaring by 2030
(b) National Insurance Company Ltd Initiative?
(c) State Bank of India (a) ONGC (b) IOCL
(d) Life Insurance Corporation of India (c) NTPC (d) Essar Oil Ltd
(e) None of these
(e) None of these
F-36 General Knowledge & Banking Awareness
121. What is the name of the first official stock exchange 129. Consider the following statements.
launched by Myanmar? 1. Alphabet Inc. has replaced its Silicon Valley rival
(a) Myanmar stock Exchange (MSX) Apple Inc. to become the world's most valuable
(b) Naypyidaw Stock Exchange (NSX) company.
(c) Yangon Stock Exchange (YSX) 2. The rise in Alphabet's shares by 1.7 percent has
(d) Mandalay Stock Exchange (MnSX) pushed its market capitalization to $531 billion.
(e) None of these 3. Google parent Alphabet Inc. CEO Sundar Pichai has
122. Which of the following stock exchange companies of India put the focus on the company's main Web business
has launched the CSR platform 'Sammaan'? while giving more insight into investments in new
(a) National Stock Exchange of India Ltd. areas such as artificial intelligence, self-driving cars,
(b) Bombay Stock Exchange (BSE) health technology and fast Internet access.
(c) MCX Stock Exchange
4. Apple had surpassed oil giant Royal Dutch Shell to
(d) Bangalore Stock Exchange
(e) None of these become the world's most valuable company in 2011.
123. Which of the following organisations has sanctioned $1.5 Which of the above statements is/are correct?
billion loan to support the Swachh Bharat Mission (SBM)? Codes:
(a) World Bank (a) 1 and 2 (b) 2, 3 and 4
(b) IMF (c) 3 and 4 (d) All of the above
(c) ADB (e) None of these
(d) Japan Bank for International Cooperation 130. Consider the following statements.
(e) None of these
1. Saroj Kumar Jha has been appointed to a key position
124. Which of the following new method is introduced by the
in the World Bank with President Robert Zoellick and
RBI to calculate banks lending rate to borrowers?
has been assigned a role to provide strategic
(a) OCLR (b) MCLR
(c) IMLR (d) PSLR leadership to address the challenge of fragility,
(e) None of these conflict and violence.
125. Which of the following organisations has released the 2. Jha is an alumnus of Indian Institute of Technology
report - Migration and Remittances Factbook 2016? Kanpur and until last week was World Bank's
(a) IMF (b) World Bank Regional Director for Central Asia based in Almaty
(c) OECD (d) Asian Development Bank since February 2012.
(e) None of these 3. He has also worked as the World Bank's Global
126. Which of the following is the first bank to tie up with Manager for Disaster Risk Management Practice and
Indian railways to sell rail tickets through its website? also served as head of the Global Facility for Disaster
(a) State Bank of India Reduction and Recovery.
(b) ICICI Bank Which of the above statements is/are correct?
(c) Axis Bank Ltd Codes:
(d) Punjab National Bank (a) 1 and 3 (b) 2 and 3
(e) None of these
(c) 2 and 1 (d) All of the above
127. Which of the following organisations has released the
report - Migration and Remittances Factbook 2016? (e) None of these
(a) IMF (b) World Bank 131. Consider the following statements.
(c) OECD (d) Asian Development Bank 1. India's Dinesh Sharma has been elected to the board
(e) None of these of directors of the China-sponsored Asian
128. Consider the following statements. Infrastructure Investment Bank (AIIB).
1. The United States Chamber of Commerce (USCC) 2. The election of India to board of directors of the AIIB
announced its fourth annual International IP Index will not provide any help to India as it does not
'Infinite Possibilities', which measures the state of approve loans for projects.
intellectual property (IP) environments around the 3. Union Finance Minister Arun Jaitley is the designated
world. governor of the AIIB from India.
2. Pakistan ranked below India with 6.42 points on the 4. It will provide financial support for infrastructure
index. development and regional connectivity in Asia in
3. The top 10 countries with their indexes are UK (28.6 sectors including energy, transportation, urban
score), US (27.5), Germany (27.4), France (27.2), construction and logistics as well as education and
Sweden (27.1), Singapore (25.6), Switzerland (24.9), healthcare.
Australia (24.8), Japan (23.3) and South Korea (23.3). Which of the above statements is/are correct?
Which of the above statements is/are correct? Codes:
Code: (a) 1 and 2 only (b) 2 and 3 only
(a) 1 only (b) 2 and 3
(c) 1, 3 and 4 only (d) 2 only
(c) 1 and 3 (d) All of the above
(e) None of these
(e) None of these
General Knowledge & Banking Awareness F-37
132. Consider the following statements. 4. In 2015, he was appointed as Vice-Chairman of the
1. Atulesh Jindal has been appointed chairman of World Bank.
Central Board of Direct Taxes (CBDT). Which of the above statement(s) is/are correct?
2. Jindal will succeed Arun Kumar Jain who has (a) 1 and 4 only (b) 1, 2 and 3 only
completed his term. (c) 4 only (d) 1 and 3 only
3. Apart from its Chairman, CBDT has eight members and (e) None of these
is the supreme body for framing policies related to 136. Which bank is to shut its banking operations in India
direct taxes. having given up on efforts to find a buyer as the planned
Which of the above statements is/are correct? to reduce its international operations to 13 countries?
Codes: (a) HSBC (b) Royal Bank of Scotland
(a) 1 and 2 (b) 2 and 3 (c) IDFC (d) Bank of America
(c) 1 and 3 (d) All of the above (e) None of these
(e) None of these
137. Which bank decided to halve the branches in India as
133. Consider the following statements.
customers go Digital to focus on retail banking over digital
1. Union Cabinet headed by President Pranab Mukherjee channels?
has given its approval for a Policy on Promotion of
(a) HSBC (b) IDFC
City Compost.
(c) BOA (d) ICICI
2. Provision has been made for Market development
(e) None of these
assistance of Rs. 1500 per tonne of city compost for
138. Which of the following banks has launched "SmartUp" for
scaling up production and consumption of the
startups?
product.
(a) Punjab National Bank (PNB)
3. Market development assistance would lower MRP of
(b) HDFC Bank
city compost for farmers.
(c) ICICI Bank
Which of the above statements is/are correct?
(d) State Bank of India
Codes:
(e) None of these
(a) 1 and 2 (b) 2 and 3
139. India ranked which position in Steel Importers released by
(c) 1 and 3 (d) All of the above
the Global Industry Body World Steel Association in global
(e) None of these
level?
134. Consider the following statements on 'Pradhan Mantri
(a) 1st (b) 8th
Fasal Bima Yojana'.
(c) 7th (d) 10th
1. This farmers' welfare scheme aims at reducing the
(e) None of these
premium burden on farmers and ensure early
140. Which Bank's proposal for increase in the FDI limit that
settlement of crop assurance claim for the full insured
sum. the ex-post facto approved by Cabinet?
2. Government will encourage use of technology (a) HDFC Bank (b) Yes Bank
especially computers and remote sensing to a great (c) Indusind Bank (d) ICICI Bank
extent. (e) None of these
3. The uniform premium ensures the farmers to pay 2 per 141. Which organization/Company decided to increase the
cent for all Kharif crops and 1.5 per cent for all Rabi maximum sum assured under its insurance scheme to `6
crops. Lakh from `3.6 Lakh for its 4 Crore subscribers?
4. The provision of capping the premium rate has been (a) United India Insurance
removed and farmers will get claim against full sum (b) Tata AIG
insured without any reduction. (c) Employees Provident Fund Organisation
Which statement(s) is/are correct? (d) Employees State Insurance Corporation
Codes (e) None of these
(a) 1. 2 and 3 only (b) 1, 3 and 4 only 142. Which Financial Company has been ranked 7th among the
(c) 2 only (d) All of the above world's ten biggest and most powerful companies in the
(e) None of these consumer financial services sector?
135. Consider the following statements regarding Central Banker (a) ICICI (b) HDFC
of the Year Award 2016. (c) SBI (d) PNB
1. Raghuram Rajan has been conferred with the Central (e) None of these
Banker of the Year Award (Global and Asia Pacific) 143. NABARD has entered into collaboration with which
for 2016 by "The Banker", a monthly publication of European country for a special programme on Soil
the Financial Times Group focusing on banking. Protection and Rehabilitation for Food Security?
2. In 2015, Indian GDP grew at 7.5% which was
(a) Germany (b) France
considered as the strongest among large economies.
(c) Spain (d) Italy
3. From 2003-2006, Rajan served International Monetary
(e) None of these
Fund (IMF) as its Chief Economist.
F-38 General Knowledge & Banking Awareness
144. India and which country have agreed to clear US $6.4 145. China has chosen a Pakistan based highway construction
billion via European banks to process pending oil program for funding through AIIB. Which firm is the co-
payments? financer?
(a) Saudi Arabia (b) Iran (a) ADB (b) IDB
(c) Iraq (d) UAE (c) IDBI (d) WB
(e) None of these (e) None of the above

ANSWER KEY
1 (d) 17 (a) 33 (a) 49 (a) 65 (b) 81 (c) 97 (c) 113 (d) 129 (a) 145 (a)
2 (b) 18 (d) 34 (c) 50 (d) 66 (a) 82 (a) 98 (c) 114 (c) 130 (b)
3 (d) 19 (b) 35 (d) 51 (c) 67 (d) 83 (b) 99 (b) 115 (b) 131 (c)
4 (d) 20 (a) 36 (b) 52 (a) 68 (d) 84 (a) 100 (b) 116 (b) 132 (a)
5 (b) 21 (d) 37 (e) 53 (c) 69 (a) 85 (b) 101 (c) 117 (b) 133 (b)
6 (a) 22 (a) 38 (c) 54 (d) 70 (d) 86 (d) 102 (c) 118 (a) 134 (b)
7 (d) 23 (d) 39 (c) 55 (b) 71 (c) 87 (b) 103 (b) 119 (c) 135 (b)
8 (b) 24 (b) 40 (d) 56 (b) 72 (a) 88 (c) 104 (c) 120 (a) 136 (b)
9 (a) 25 (b) 41 () 57 (d) 73 (b) 89 (b) 105 (c) 121 (c) 137 (a)
10 (b) 26 (a) 42 (d) 58 (a) 74 (d) 90 (d) 106 (a) 122 (b) 138 (b)
11 (b) 27 (a) 43 (b) 59 (d) 75 (a) 91 (c) 107 (c) 123 (a) 139 (d)
12 (b) 28 (c) 44 (d) 60 (c) 76 (c) 92 (a) 108 (c) 124 (b) 140 (b)
13 (c) 29 (b) 45 (d) 61 (a) 77 (b) 93 (b) 109 (a) 125 (b) 141 (d)
14 (c) 30 (c) 46 (e) 62 (d) 78 (a) 94 (a) 110 (c) 126 (b) 142 (b)
15 (d) 31 (d) 47 (a) 63 (b) 79 (b) 95 (a) 111 (d) 127 (b) 143 (a)
16 (c) 32 (c) 48 (b) 64 (b) 80 (a) 96 (b) 112 (b) 128 (a) 144 (b)
General Knowledge & Banking Awareness F-39

E X E RC I S E -4
CURRENT AFFAIRS 11. Who has been elected as the new president of Haiti?
(a) Jovenel Moise (b) Jean-Bertrand
1. Name the two new Hindi writers who have been conferred
(c) Jacques Rousseau (d) Robert Labrousse
with the 2016 Bharatiya Jnanpith Navlekhan Award ?
12. Which States/UT Government has recently launched Good
(a) Tasneem Khan and Upasana
Samaritan Policy for encouraging people to help accident
(b) Vishnu Nagar and Govind Prasad
victims ?
(c) Shraddha and Ghyansham Devansh
(a) Puducherry (b) New Delhi
(d) Madhusudan Anan and Om Nischal
2. Petronet, India's largest LNG importer, has signed an (c) Gujarat (d) Andhra Pradesh
agreement with which country on December 30 to set up 13. Which country has decided to switch off its FM radio
$950 million Liquefied Natural Gas import project in that network and completely convert to digital signals ?
country? (a) Sweden (b) Finland
(a) Kyrgyzstan (b) Afghanistan (c) Norway (d) Germany
(c) Pakistan (d) Bangladesh 14. Who won the winner of 2017 Qatar Open title ?
3. How much financial benefit would be provided to the (a) Rafael Nadal (b) Roger Federer
pregnant women in rural areas as announced by PM Modi? (c) Andy Murray (d) Novak Djokovic
(a) ` 2500 (b) ` 4000 15. Name the App launched by IRCTC to book tickets faster.
(c) ` 5500 (d) ` 6000 (a) IRCTC Fast Book
4. Name the new health scheme launched by Andhra Pradesh
(b) IRCTC Rail Connect
Government for the Above Poverty Line families of the state
on January 1, 2017? (c) IRCTC Rail Ticket
(a) Arogya Swasthiya Bima Yojana (d) IRCTC Fast Ticket
(b) Suraksha Bima Yojana 16. Where was 350th Prakash Utsav organized to mark the birth
(c) Arogya Raksha Scheme anniversary of Guru Gobind Singh?
(d) State Government Health Scheme (a) Patna (b) Bhopal
5. Who has been appointed as the new Chairman of Union (c) Mumbai (d) Amritsar
Public Service Commission with effect from January 4, 2017? 17. Who has been nominated for the 4th Yash Chopra Memorial
(a) R. M. Bathew (b) David R. Syiemlieh Award ?
(c) F. W. Robertson (d) D P Agrawal (a) Akshay Kumar (b) Salman Khan
6. In which state is the world's largest 11-day Gala Festival (c) Kapil Sharma (d) Shah Rukh Khan
"Bargarh Dhanua Jatra" organized? 18. What was the theme of the 14th Pravasi Bhartiya Divas
(a) Odisha (b) Karnataka (PBD) Convention 2017?
(c) Tamil Nadu (d) Andhra Pradesh (a) Connecting For a Shared Future
7. Sports Ministry constituted a committee on January 2, 2017 (b) Know India, Understand India
to suggest improvements in the National Sports
(c) Engaging Diaspora: Connecting Across Generations
Development Code. Who will be the head of the Committee?
(d) Redefining Engagement with the Indian Diaspora
(a) Mani Shankar Aiyar (b) Ajay Maken
19. Pakistan successfully test fired its first Submarine-Launched
(c) Injeti Srinivas (d) Mr Vijay Goel
Cruise Missile (SLCM) on January 9. Name the missile.
8. India's first 700 MW Pressurized Heavy Water Reactor
(PHWR) will have its trial run in which state? (a) Aurangzeb-2 (b) Abdali-I
(a) Haryana (b) Gujarat (c) Babur-3 (d) Babur-2
(c) Punjab (d) Rajasthan 20. Name the newly appointed Chairman of Tata Power Co Ltd
9. Who has been appointed as the 9th UN Secretary General ? in place of Cyrus Mistry.
(a) Antonio Guterres (b) Kurt Waldheim (a) Vikram Desai (b) Aditya Choudhari
(c) Javier Perez de Cuellar (d) Boutros Boutros-Ghali (c) Mohan Sekhar (d) S Padmanabhan
10. Which state has launched first of its kind 24 X 7 call-center 21. Where is the World's Largest Street Light Replacement
facility for the forest department of the state? Programme been launched by the Power Ministry?
(a) Maharashtra (b) Tamil Nadu (a) Uttar Pradesh (b) Haryana
(c) Kerala (d) West Bengal (c) New Delhi (d) Chandigarh
F-40 General Knowledge & Banking Awareness
22. Who has been appointed as the new Chief Executive Officer 35. When is the National Youth Day observed?
of Flipkart on January 9, 2017? (a) January 12 (b) January 13
(a) Sanjeev Mohanty (b) Kalyan Krishnamurthy (c) January 11 (d) January 10
(c) Kunal Bahl (d) Sanjeev Agarwal 36. The Supreme Court on January 10, 2017 directed which state
23. The Ministry of Defence has planned to set up its Defence to pay Rs.500 crore as compensation to 5,000 victims of
Unit in which of the following state at a cost of Rs. 1500 Endosulfan poisioning in the state?
crore? (a) Kerala (b) West Bengal
(a) Goa (b) Jammu & Kashmir (c) Andhra Pradesh (d) Assam
(c) Himachal Pradesh (d) Madhya Pradesh 37. With which country India has signed an MoU on January
24. Who has been named as the new brand ambassador of 11, 2017 to provide Line of Credit for USD 100 million for
Smartphone brand Gionee? agricultural mechanism?
(a) MS Dhoni (b) Ranbir Kapoor (a) Kenya (b) Portugal
(c) Virat Kohli (d) Kapil Sharma (c) Russia (d) Vietnam
25. Name the eminent personality honoured by the US Embassy 38. In which city was the 2017 International Conference on
for contribution towards the India-US Partnership on Disability Communication (ICDC) held?
Tuberculosis. (a) New Delhi (b) Indore
(a) Vidya Balan (b) Irfan Khan (c) Chennai (d) Mumbai
(c) Amir Khan (d) Amitabh Bachchan 39. Which state has introduced electoral roll printed in Urdu for
26. Akbar Hashemi Rafsanjani who passed away recently was the upcoming elections in February 2017 in its constituencies
the former President of which country? for the benefit of the Muslim community?
(a) Afghanistan (b) Saudi Arabia (a) Goa (b) Uttarakhand
(c) Iran (d) Israel (c) Uttar Pradesh (d) Punjab
27. Which state has recently launched India's first Student 40. Kerala has launched its first solar-powered boat on January
Startup and Innovation Policy? 12, 2017. What is the name of that boat?
(a) Goa (b) Gujarat (a) Dhruv (b) Bhim
(c) Himachal Pradesh (d) Kerala (c) Arjun (d) Aditya
28. India's largest public wi-fi service has been launched 41. Where is the Katasraj Hindu Temple situated?
recently in which Indian state? (a) Malaysia (b) Bangladesh
(a) Karnataka (b) Haryana (c) Pakistan (d) Nepal
(c) New Delhi (d) Maharashtra 42. Name the guided rocket system that was successfully test-
29. The Indian space agency ISRO has signed a partnership fired by India on January 12, 2017 off Odisha coast?
pact with which country's space agency for satellite launch (a) Dhruv II (b) Shiva I
technology? (c) Pinaka II (d) Pinaka I
(a) NASA, USA (b) JAXA, Japan 43. India's first multi-sports museum, Fanatic Sports Museum
(c) CNES, France (d) CNSA, China (FSM), has been inaugurated in which place on January 29,
30. Who has been crowned as the Miss Universe 2017? 2017?
(a) Andrea Tovar (b) Raquel Pelissier (a) Chennai (b) Pune
(c) Iris Mittenaere (d) Roshmitha Harimurthy (c) New Delhi (d) Kolkata
31. The Biography "Akhada" is based on the life of which Indian 44. Who has been conferred with the highest US civilian honour,
Wrestler? Presidential Medal of Freedom, on January 12, 2017 by
(a) Mohammad Ali (b) Hawa Singh President Barak Obama?
(c) Dara Singh (d) Mahavir Singh Phogat (a) Paul Ryan (b) Joe Biden
32. Yana Kudryavtseva of Russia who recently announced her (c) Jacob Lew (d) John Kerry
retirement was associated to which sports? 45. Which Indian boxer has become the first female boxer to
(a) Gymnastics (b) Tennis enter into professional boxing?
(c) Badminton (d) Shooting (a) Pinki Rani (b) Kavita Goyat
33. Who has been sworn in as the President of Nicaragua on (c) Mary Kom (d) Sarita Devi
January 10, 2017? 46. On January 13, 2017, which country has been appointed to
(a) Trey Parker (b) Daniel Ortega chair the United Nations Group of 77 that looks after the
(c) Danny Faure (d) Luis Guillermo Solís interests of the 134 developing countries?
34. Who is the author of the new cyber vocabulary book Cyber (a) Norway (b) Thailand
Pathshala that was relased by the HRD Minister Prakash (c) Ecuador (d) Egypt
Javadekar on January 10, 2017? 47. Gujarat defeated which state to win the Ranji Trophy 2017?
(a) Amitabh Sinha (b) Ravikant Garg (a) Chennai (b) Mumbai
(c) Amit Shah (d) Tarun Vijay (c) Kolkata (d) Lucknow
General Knowledge & Banking Awareness F-41
48. Surjit Singh Barnala who died on January 14, 2017 at the age 60. Which country has topped the 2017 Inclusive Development
of 91 was the former Chief Minister of which state? Index among advanced economies?
(a) Madhya Pradesh (b) Punjab (a) Luxembourg (b) Singapore
(c) Haryana (d) Uttar Pradesh (c) Switzerland (d) Norway
49. What was the theme of the 2017 Vibrant Gujarat Global 61. Who has been signed by the Mercedes as the replacement
Investors Summit? for recently retired Formula One world champion Nico
(a) Economic Development with Vibrant Gujarat Rosberg on January 17, 2017?
(b) Discovering New Gujarat (a) Kimi Raikkonen (b) Valtteri Bottas
(c) Vibrant Gujarat: Connecting India to the World (c) Mark Ellis (d) Andy Cowell
(d) Transforming Gujarat to Global Business Hub 62. In which country, the world's first baby was born using the
50. Prime Minster Narendra Modi inaugurated India's first new three-person IVF technology called pronuclear
international exchange ____________ at the IFSC of GIFT transfer'?
City in Gandhinagar on January 9, 2017. (a) Mexico (b) France
(a) IND-EX (b) Exchange IND (c) Ukraine (d) Ireland
(c) India VNX (d) India INX 63. What is the name of the Chinese Robot Journalist who made
its debut reporting on January 18, 2017 by writing an article
51. Who headed the committee formed by the Ministry of Rural
in a second?
Development to study the Socio Economic and Caste
Census (SECC) data that presented its report on January 13, (a) Xiao Nan (b) Clank
2017? (c) Changchang (d) Tachikomas
(a) Manoranjan Kumar (b) Rinku Murgai 64. Mawlynnong village which was named as the Cleanest Village
in Asia' in 2003 is located in which state of India ?
(c) Sumit Bose (d) Amarjeet Sinha
(a) Assam (b) Meghalaya
52. In which city was the first ABU International Television
(c) Manipur (d) Arunachal Pradesh
Dance Festival (AIDF) organized on January 13, 2017?
65. Which scheme has been launched by the Union Human
(a) Chennai (b) Mumbai
Resource Development Ministry on January 18, 2017 for
(c) Hyderabad (d) Guwahati monitoring the elementary education initiative Sarva Shiksha
53. The United States has on January 13, 2017 lifted two decade Abhiyan (SSA)?
economic embargo against which country? (a) ShaGun (b) ShakSham
(a) Kenya (b) Libya (c) SuVidha (d) SamaDhan
(c) Egypt (d) Sudan 66. Which technology giant has partnered with the International
54. Who has been conferred with The Hindu Prize 2016 at the Olympic Committee (IOC) to become the worldwide sponsor
7th edition of the Hindu Lit for Life festival 2017? of the Olympic Games through 2028?
(a) Pradeep Sebastian (b) Manjula Padmanabhan (a) Microsoft (b) TCS
(c) Kiran Doshi (d) Anil Menon (c) Wipro (d) Alibaba
55. Which city in Kerala has been declared as the first Elderly- 67. Which public sector bank has signed MoU with the Ministry
Friendly City of the state on January 14, 2017? of Human Resource Development to start higher education
(a) Kanpur (b) Kochi financing agency.
(c) Kozhikode (d) Kollam (a) Canara Bank (b) ICICI Bank
56. What is the rank of India in the Global Talent (c) SBI (d) HDFC Bank
Competitiveness Index (GTCI) 2017? 68. Which city of Himachal Pradesh has been declared as the
(a) 89 (b) 92 second capital of the state on January 19, 2017 by the Chief
Minister Virbhadra Singh?
(c) 54 (d) 98
(a) Manali (b) Dharamsala
57. IRDAI on January 16 2017 formed an eight member panel to
(c) Palampur (d) Kangra
review life insurance product norms. Who will be the head
of the committee? 69. Who has been appointed as the new director of Central
Bureau of Investigation (CBI) on January 19, 2017?
(a) Amitabh Chaudhry (b) Sai Srinivas
(a) Alok Kumar Verma (b) V.K.Sharma
(c) Sandeep Bakshi (d) K S Gopalakrishnan
(c) Rakesh Asthana (d) Pulkit Trivedi
58. Who is the winner of the 2017 Parsvnath Delhi International
70. Who is the winner of the 2017 Malaysia Masters Grand Prix
Chess tournament?
Gold women's single title?
(a) Farrukh Amonatov (b) R A Pradeep Kumar
(a) Saina Nehwal (b) PV Sindhu
(c) Dzhumaev Marat (d) Diptayan Ghosh (c) Jwala Gutta (d) Ashwini Ponnappa
59. An ultra-light weight high-performance watch, RM 50-03, 71. Which country has launched a 10-year-plan on January 22,
which was inaugurated on January 16, 2017 has been 2017 to reduce its dependence on India for vegetable
developed using which lightweight element? imports?
(a) Graphite (b) Beryllium (a) Sri Lanka (b) Myanmar
(c) Graphene (d) Stainless Steel (c) Bangladesh (d) Nepal
F-42 General Knowledge & Banking Awareness
72. A special stamp cover titled "Golden girls of India - Pride of 84. The General Anti-Avoidance Rule (GAAR) has been
Nation" released by the Indian Postal Department on January scheduled to come into effect from ____________
21, 2017 features which Indian sports players? (a) March 31, 2017 (b) April 1, 2017
(a) Mary Kom (b) Sania Mirza (c) February 1, 2017 (d) March 1, 2017
(c) Dipa Karmakar (d) Saina Nehwal 85. Name the eminent poet who has been felicitated with the
73. Which state has introduced the first of its kind initiative on 52nd Jnanpith Award for 2016?
January 22, 2017 to electronically transmit postal ballot to (a) Rehman Rahi (b) Kedarnath Singh
service voters for the assembly elections 2017? (c) Shankha Ghosh (d) Raghuveer Chowdhary
(a) Himachal Pradesh (b) Punjab 86. Which country has become the first in the world to officially
(c) Uttar Pradesh (d) Goa authorize the use of "three-parent baby" fertility treatments
74. When is the National Girl Child day celebrated? on December 1, 2016 to enable women with mitochondrial
(a) January 24 (b) January 22 disease to have a healthy child?
(c) January 25 (d) January 23 (a) Mexico (b) Britain
75. With which country, India signed a White Shipping (c) USA (d) Russia
Agreement on January 19, 2017 in New Delhi on sharing 87. Which Indian City has been honored with the Best Cities of
maritime information in Indian Ocean Region (IOR)? 2016 Award at the C40 Mayors Summit held in Mexico City
(a) Bangladesh (b) United Kingdom from November 30 to December 2, 2016?
(c) Italy (d) France (a) New Delhi (b) Kolkata
76. Which country issued its first Green Bonds with a record (c) Chennai (d) Mumbai
sale of USD 7.5 billion on January 24, 2017? 88. In order to mop up extra liquidity from the system in view of
(a) Britain (b) France demonetisation, the Government and the Reserve Bank on
(c) Germany (d) Mauritius December 2, 2016 has sharply raised the Market Stabilisation
77. Who has been named for the 2017 Padma Vibhushan award Scheme (MSS) from Rs 30,000 crore to Rs. ________?
in the field of Art and Music? (a) ` 6 lakh crore (b) ` 10 lakh crore
(a) Sadhguru Jaggi Vasudev (b) K J Yesudas (c) ` 1 lakh crore (d) ` 5 lakh crore
(c) Sharad Pawar (d) Murli Manohar Joshi 89. What is the projected economic growth prospect for India
78. Who has been appointed as the new governor of Meghalaya for the FY17 as estimated by United Nations report,
(additional charge) on January 27, 2017? Economic and Social Survey for Asia and the Pacific 2016 ?
(a) Najma A. Heptulla (b) Mridula Sinha (a) 7.1% (b) 7.2%
(c) Banwarilal Purohit (d) Kaptan Singh Solanki (c) 7.6% (d) 7.5%
79. The India Meteorological Department has planned to set 90. Name the Managing Director (MD) and chief executive of
up Weather Stations in how many districts by the end of the National Stock Exchange of India (NSE) who recently
2019? resigned from the post owing to personal reasons.
(a) 710 Districts (b) 660 Districts (a) Chitra Ramkrishna (b) Renuka Ramnath
(c) 520 Districts (d) 400 Districts (c) Shyam Srinivasan (d) Vijayalakshmi Iyer
80. Deshpande Foundations is set to launch India's largest 91. Which country has topped the list to be named as the FIFA's
startup incubation centre in which city of Karnataka by the Team of the Year 2016?
end of September 2017? (a) Germany (b) Brazil
(a) Bengaluru (b) Hubballi (c) Argentina (d) India
(c) Mangalore (d) Mysore 92. According to the 2016 Jane's Defence Budgets Report,
81. How many Grand Slam Singles Title have been won by tennis released by IHS Markit on December 12, 2016, what is India's
player Serena Williams? position among the global defence spender?
(a) 24 (b) 23 (a) Third (b) Fourth
(c) 14 (d) 17 (c) Seventh (d) Tenth
82. Which country has become the first in the world to pass a 93. The 6th Heart of Asia Ministerial Conference 2016 was held
bill to completely stop investment in fossil fuel? in which Indian city?
(a) Singapore (b) Ireland (a) New Delhi (b) Jaipur
(c) Norway (d) Switzerland (c) Amritsar (d) Kolkata
83. Regarded as the Father of Pac-Man, which famous Japanese 94. Which country's Scientists have become the first to discover
business tycoon passed away on January 22, 2017 at the a method of mapping the human thought by using fast
age of 91? functional magnetic resonance imaging (FMRI)?
(a) Hiroshi Mikitani (b) Masayoshi Son (a) United Kingdom (b) China
(c) Yamada Nagamasa (d) Masaya Nakamura (c) United States of America (d) Norway
General Knowledge & Banking Awareness F-43
95. Scientists from Canada have developed the first biological 106. How much amount has been pledged by India to contribute
pacemaker, sinoatrial node (SAN) cardiomyocytes, using to the UN Central Emergency Response Fund (CERF) for
which human stem cells? the year 2016-17?
(a) Parafollicular cell (b) Theca lutein cells (a) $500,000 (b) $1,000,000
(c) Corticotropes (d) Pluripotent cells (c) $750,000 (d) $470,000
96. Which state government on December 25 launched a health 107. Name the mobile App launched by Chandrababu Naidu in
insurance scheme 'Atal-Amrit Abhiyan' to provide insurance Vijayawada on December 6, 2016 to promote digital
coverage against several critical illnesses?
transaction among people.
(a) Odisha (b) Maharashtra
(a) Mobile Wallet (b) Pay Purse
(c) Assam (d) Punjab
(c) AP Purse (d) AP Wallet
97. What is the name of 12 day annual bilateral maritime exercise
between the Indian Navy and the Royal Navy of UK, that 108. Which Technology Giant has launched its first full-scale
will be conducted in two phase at Mumbai and Goa between Cybersecurity Engagement Centre (CSEC) in India?
December 5 to December 16? (a) Microsoft (b) SAP
(a) VARUNA 16 (b) INDRA 16 (c) Google (d) Accenture
(c) KONKAN 16 (d) UKINDA 16 109. Hindi has emerged as the 10th most powerful language on
98. Name the Inter-Continental Ballistic Missile (ICBM) which the planet according to the World Economic Forum's Power
was successfully test-fired by India on December 26, from Language Index Ranking. Which language has been ranked
Dr Abdul Kalam island off the coast of Odisha. as the most powerful?
(a) Agni V (b) Agni III (a) English (b) French
(c) Agni I (d) Agni IV (c) Mandarin (d) Korean
99. Which among the following sports has been derecognized
110. Who has been named as the 44th Chief Justice of India
as a sport by the center due to its wide dimensions, making
succeeding Chief Justice TS Thakur who will retire on
it difficult to conduct competitions?
January 3, 2017?
(a) Cheerleading (b) Aerobics
(a) Justice Madan Lokur
(c) Yoga (d) Gymnastics
100. Cabinet minister for water resources, river development and (b) Justice Anil R Dave
Ganga rejuvenation Uma Bharti has announced to celebrate (c) Justice Jagdish Singh Khehar
the birth anniversary of Dr. Bhim Rao Ambedkar held on (d) Justice Ranjan Gogoi
14th April as which day? 111. Which High Court on December 7, 2016, declared Triple
(a) Health Day (b) Water Day Talaq as "unconstitutional" and against the rights of Muslim
(c) Conservation Day (d) Food Day Women?
101. Biju Sishu Surakshya Yojana, a scheme for the care and (a) Delhi High Court (b) Allahabad High Court
protection of HIV positive orphan children has been (c) Patna High Court (d) Mumbai High Court
launched by which state? 112. Who has been named as the TIME's Person of the Year 2016
(a) Karanataka (b) Maharashtra on December 7, 2016?
(c) Odisha (d) West Bengal
(a) Hillary Clinton (b) Narendra Modi
102. ICRA has forecasted India's gross value added (GVA) growth
(c) Donald Trump (d) Mark Zuckerberg
likely to be at ___________ per cent in 2016-17.
(a) 7.0 (b) 6.6 113. When is the International Anti-Corruption Day observed?
(c) 6.7 (d) 7.1 (a) December 7 (b) December 9
103. Name the famous co-artist, in the team that sketched the (c) December 10 (d) December 6
national emblem'Lion Capital of Ashoka', who die at the age 114. Name the cricketer who scored the record breaking score of
of 89 in Indore on December 24? 359 not out, the highest unbeaten score by an opening
(a) Nicola Benedetti (b) Nandlal Bose batsman, in the First-Class Cricket.
(c) Dinanath Bhargava (d) Sapekshi Bhargava (a) Mukund Parmar (b) Samit Gohel
104. Which Indian Company has emerged as the first National (c) Cheteshwar Pujara (d) Axar Patel
Supporter to sponsor the FIFA U-17 World Cup India 2017 115. What is the rank of India in the Global Terrorism Index
to be held from 6 to 28 October 2017? (GTI),2016?
(a) Bank of Baroda (b) Hero MotorCorp
(a) 7 (b) 9
(c) Videocon D2H (d) Paytm
(c) 4 (d) 10
105. Name the remote sensing satellite launched by ISRO on
December 7, 2016 on PSLV-C36 from Satish Dhawan Space 116. The world's longest rail tunnel, Gotthard Base Tunnel (GBT)
Centre in Sriharikota. is built in which country?
(a) RESOURCESAT-1 (b) RESOURCESAT-2A (a) Japan (b) France
(c) RESOURCESAT-2 (d) RESOURCESAT-1B (c) Switzerland (d) China
F-44 General Knowledge & Banking Awareness
117. Name the TV Channel launched by the Ministry of 128. India's first amphibious bus project "Harike Cruise" was
Electronics and Information Technology (MeitY),on launched in which state on December 12, 2016?
December 9, 2016 to educate and digitally empower millions (a) Maharashtra (b) Assam
of Indians in rural areas about cashless transactions. (c) Jammu & Kashmir (d) Punjab
(a) DigiClass (b) DigiShala 129. Who h as been appointed as the Global Goodwill
(c) DigKnow (d) OnlineEdu Ambassador of UNICEF for the campaign "For Every Child"?
118. Who has been appointed as brand ambassador for Tata (a) Priyanaka Chopra (b) Katrina Kaif
Motor's commercial vehicle (CV) business unit on December
(c) Vidya Balan (d) Anuska Sharma
27?
130. Who has been appointed as the fourth deputy governor of
(a) Lionel Messi (b) Virat Kohli
RBI on December 28?
(c) Akshay Kumar (d) Kapil Sharma
(a) Vishwavir Ahuja (b) Viral V. Acharya
119. Rajasthan Government has initiated a project for the
conservation of the state bird which is becoming critically (c) MD Patra (d) Vimal Bhandari
endangered.Name the state bird of Rajasthan? 131. Which Indian State will host the 2022 National Games?
(a) Sarus Crane (b) Pigeon (a) Assam (b) Manipur
(c) Himalayan Monal (d) Godawn (c) Mizoram (d) Meghalaya
120. India's first Caterpillar Train, an innovative concept that 132. Name the winner of the 1st Elite Senior Men's National Boxing
would fly over city's traffic would be launched by which Championships under lightweight 60 Kg category held on
Indian state? 13 December 2016 in Guwahati.
(a) Gujarat (b) Himachal Pradesh (a) Vijender Singh (b) Shiva Thapa
(c) Haryana (d) Uttar Pradesh (c) Ankush Dahiya (d) Manoj Kumar
121. With which country India has signed a Civil Nuclear 133. Which state has initiated a project to make India's first island
Cooperation Agreement (N-Pact) on December 9, 2016, in district, Majuli, first Carbon Neutral District by 2020?
New Delhi? (a) Assam (b) Bihar
(a) Russia (b) US
(c) Odisha (d) Sikkim
(c) Japan (d) Vietnam
134. The fifth edition of the Global Conference on Cyber Space
122. Who has won the 2016 Ghana's National Election to become (GCSS) is scheduled to be hosted in which country 2017?
president election?
(a) Netherland (b) U.K
(a) John Dramani Mahama (b) John Atta Mills
(c) South Korea (d) India
(c) Nana Akufo-Addo (d) Samuel Atta Akyea
135. Name the former professional World No 1 tennis player who
123. Which space agency successfully launched a Kounotori 6
announced her retirement on December 28.
(HTV-6) spacecraft on December 9, 2016, to deliver a space
junk collector technology into orbit? (a) Serena Williams (b) Ana Ivanovic
(a) National Aeronautics and Space Administration (NASA) (c) Dinara Safina (d) Caroline Wozniacki
(b) Indian Space Research Organisation (ISRO) 136. Who has been appointed as the new Lieutenant Governor
(c) Japan Aerospace Exploration Agency (JAXA) of Delhi?
(d) Russian Federal Space Agency (RFSA or Roscosmos) (a) Banwari Lal Joshi (b) Anil Baijal
124. Name the committee constituted by the Internet and Mobile (c) Tejendra Khanna (d) Pradeep Kumar Singh
Association of India (IAMAI) to fight against online piracy. 137. Nepal and China is going to hold its first ever joint military
(a) Uday Sodhi Committee (b) Salil Kapoor Committee exercise on February 10, 2017 which would focus on training
(c) Ajit Mohan Committee (d) Ratan Watal Committee Nepali forces in dealing with hostage scenarios involving
125. Which sport has been granted provisional recognition by international terror groups. What is the name of the Nepal-
the International Olympic Committee on December 6, 2016? China military exercise?
(a) Chess (b) Cheerleading (a) Pratikar-1 (b) Simbex-II
(c) Cricket (d) Squash (c) Blue-Water (d) Surya-Kiran
126. Name the severe cyclonic storm that made landfall in Chennai 138. Which instant messaging service has launched the world's
on December 12, 2016, causing severe destruction in the first chat operating system which allows developers to build
city and neighboring states? customised apps, bots and integrations on the messenger?
(a) Vardah (b) Victor (a) Google+Hangouts(Gtalk) (b) Jabber
(c) Vivian (d) Walaka (c) Spark (d) Flock
127. German scientists have detected ammonia in which layer of 139. Which country on December 13, 2016, formally announced
the atmosphere for the first time? the end of its controversial "kafala" system?
(a) Troposphere (b) Hydrosphere (a) Oman (b) UAE
(c) Stratosphere (d) Lithosphere (c) Qatar (d) Iraq
General Knowledge & Banking Awareness F-45
140. Name the Hollywood sensation whose biopic, Blond 151. Union Government has planned to launch a Cash Mukt
Ambition, was named the most admired unproduced film Bharat Abhiyan Helpline number ___________ which is a
script of 2016 in the Hollywood system by Black List. nationwide toll-free number to educate people and provide
(a) Nicolas Cage (b) Madonna support related to cashless mode of transactions.
(c) Bruce Wills (d) John Travolta (a) 14444 (b) 14144
141. India's first transgender school, Sahaj International School (c) 14441 (d) 11444
to be set up in which Indian city on December 30, 2016?
152. Name the newly appointed Chief of Indian Air Force.
(a) Bangalore (b) Hyderabad
(a) S K Sinha (b) A.S Vaidya
(c) Kochi (d) Chennai
142. Who has been honored with the Global Agriculture (c) P M Hariz. (d) B.S Dhanoa
Leadership Award 2016 by ICFA on December 15, 2016? 153. Name the famous American surgeon and the inventor of
(a) Mukesh Ambani Heimlich maneuver who died of massive heart attack
(b) Natarajan Chandrasekaran complications at 96 in Cincinnati on December 17.
(c) Ratan Tata (a) Edward patrick (b) Henry Heimlich
(d) Anil Ambani (c) William Heimlich (d) George Peterson
143. India's first 2G (Second Generation) ethanol bio-refinery is 154. Defence Project worth over Rs. __________ has been
being set up by Hindustan Petroleum Corporation Limited approved by the Defence Ministry on December 23.
(HPCL) in which of the given states? (a) ` 7100 crore (b) ` 7000 crore
(a) Haryana (b) Gujarat (c) ` 6200 crore (d) ` 5500 crore
(c) Rajasthan (d) Punjab
155. Prime Minister Narendra Modi laid down the foundation
144. China on December 22 launched a global carbon dioxide stone of the country's first ever "Indian Institute of Skills"
monitoring satellite to understand the effect of climate
in which of the following Indian state on December 19?
change in the country. Name the satellite.
(a) Madhya Pradesh (b) Uttar Pradesh
(a) TanSat (b) GoSat
(c) OCO-2Sat (d) GHGSat (c) Bihar (d) Gujarat
145. India defeated which country to win the bronze medal at the 156. Which High Court on December 19, 2016, declared a ban on
4th Women's U18 Asia Cup 2016 hockey tournament? all unauthorised 'Sharia' courts functioning in the state?
(a) Japan (b) Bangladesh (a) Mumbai High Court (b) Kolkata High Court
(c) Brazil (d) South Korea (c) Madras High Court (d) Delhi High Court
146. Which Indian state has emerged as the first state to adopt 157. Which country has recently signed a multi-billion dollar
the Mahila Police Volunteer initiative on December 14, 2016? deal with Airbus to acquire 100 jetliners?
(a) Punjab (b) Rajasthan (a) Afghanistan (b) Iran
(c) Haryana (d) Gujarat (c) Bhutan (d) Dubai
147. Who is the winner of Miss World Beauty Pageant 2016? 158. Who has won the 2016 Sahitya Akademi Award for the Hindi
(a) Priyadarshini (b) Natasha Mannuela novel Paarijat?
(c) Yaritza Miguelina Reyes (d) Stephanie Del Valle
(a) Bulaki Sharma (b) Papini Svasankar
148. US President Barack Obama has signed $ ____ billion
(c) Gita Upadhyay (d) Nasira Sharma
defence policy bill for 2017 in Honolulu, Hawaii, to enhance
security cooperation with India. 159. Which State on December 25 launched India's first Bio-
(a) $ 515 billion (b) $ 629 billion Diesel Buses?
(c) $ 710 billion (d) $ 618 billion (a) Karantaka (b) Punjab
149. DRDO successfully test fired smart anti-airfield weapon (c) Haryana (d) Gujarat
SAAW from Chandipur in OdishA.What does SAAW 160. President Pranab Mukherjee gave fifth assent to amend
stands for? Enemy Property Ordinance. The ordinance aims to amend
(a) Superior Anti Airfield Weapon which act?
(b) Synchronous Anti Airfield Weapon (a) Enemy Property Act 1952
(c) Systematic Anti Airfield Weapon (b) Enemy Property Act 1955
(d) Smart Anti-Airfield Weapon (c) Enemy Property Act 1960
150. Government on December 17, formed an inter-ministerial task
(d) Enemy Property Act 1968
force committee to look into all the strategic aspects of Indus
Water Treaty (IWT) with Pakistan. Who will be the head of 161. Which state launched India's first cashless bazaar in the
the committee? state on December 19?
(a) Rahul Shivshankar (b) Ajit Doval (a) Maharashtra (b) Chhattisgarh
(c) Nripendra Mishra (d) S Jaishankar (c) Telangana (d) Punjab
F-46 General Knowledge & Banking Awareness
162. Social Networking Service Twitter has recently partnered 173. The Union Ministry of Urban Development has started the
with which bank to provide an advanced customer service Swachh Survekshan 2017 from January 4, 2017 to encourage
in real time? competition for improving sanitation standards. How many
(a) HDFC Bank (b) ICICI Bank cities would be covered under the Survey?
(c) Yes Bank (d) RBL Bank (a) 250 Cities (b) 300 Cities
163. Who has been named as the Best Player of the Year at the (c) 450 Cities (d) 500 Cities
seventh edition of the 2016 Globe Soccer Awards held in 174. What is the theme of the 2017 New Delhi World Book Fair
Dubai? (NDWBF)?
(a) Cristiano Ronaldo (b) Franck Ribéry (a) Vivid Bharat – Diverse India
(c) Radamel Falcao (d) Lionel Messi (b) Manushi – Books Written on and by Women
164. Name the universe's biggest super-clusters of galaxies (c) Kathasagara: Celebrating Children’s Literature
discovered by the Astronomers near the Milky Way. (d) Suryodaya: Emerging voices from North East India
(a) Laniakea Supercluster (b) Virgo SuperCluster 175. India and Kazakhstan signed a protocol to amend Double
(c) Hydra Supercluster (d) Vela supercluster Taxation Avoidance Convention (DTAC) recently. In this
context, consider the following provisions of amended
165. Name the committee which has recommended the Union
DTAC.
Government to set up a Financial Data Management Centre
(FDMC) to help the financial sector in managing the data I. It is in line with India’s commitment under Base Erosion
efficiently. and Profit Shifting (BEPS) Action Plan.
(a) Ajay Tyagi Committee II. Limitation of Benefits Article has been inserted to
provide a main purpose test to prevent misuse of the
(b) Amitabh Kant Committee
DTAC.
(c) Ratan P Watal Committee
Choose the correct option
(d) V Shanmuganthan Committee (a) Only I (b) Only II
166. Name the Indian Origin British Professor who has been (c) Both I and II (d) Neither I nor II
felicitated with Knighthood at the 2017 New Year Honours
176. What is Mercosur? In this context, consider the following
by Queen Elizabeth II .
statements.
(a) Hardip Singh Begol I. Mercosur is an economic and political bloc comprising
(b) Ravindra Pragji Govindia Argentina, Brazil, Paraguay and Uruguay.
(c) Shankar Balasubramanian II. Its purpose is to promote free trade and the fluid
(d) Kamaldeep Singh Bhui movement of goods, people, and currency.
167. India has signed a Third Protocol DTAA amendment Bill III. Bolivia, Chile, Colombia, Ecuador, Guyana, Peru, and
with which country on December 30, 2016? Suriname are not associate members.
(a) Germany (b) Austria Choose the correct option
(c) Singapore (d) France (a) Only I (b) Only II
168. Which Indian state has been declared as the Country's first (c) All are correct (d) I and II
Organic State in 2016 ? 177. PM Narendra Modi announces Pravasi Kaushal Vikas
(a) Assam (b) Sikkim Yojana. Which of the following statement(s) is/are correct
(c) Arunachal Pradesh (d) Mizoram in this context?
169. Which village in Andhra Pradesh has achieved the status I. It is a skill development program targeted at Indian
of first 100 per cent Smart Digital Village? youth seeking overseas employment.
(a) Nagari (b) Yerpedu II. It was launched after inauguration of 14th Pravasi
Bhartiya Divas convention held in India’s IT hub Delhi.
(c) Mori (d) Pileru
III. Portuguese Prime Minister Antonio Costa was the
170. Who has been appointed as the new Prime minister of Italy
Chief Guest of the event.
on December 11, 2016?
(a) Only I (b) Only III
(a) Paolo Gentiloni (b) Matteo Renzi
(c) I & II (d) I & III
(c) Sergio Mattarella (d) Romano Prodi
178. Veteran actor Om Puri Passed away at the age of 66. With
171. Former Planning Commission member Saumitra Chaudhuri, reference to him, consider the following statements and
who passed away on December 18 at 63 was a noted? choose the correct option-
(a) Writer (b) Scientist I. He was awarded Padma Shri, the fourth highest civilian
(c) Economist (d) Journalist award of India, in 1990.
172. Which state launched the International Birds Festival on II. He made his film debut in the 1970 Marathi film
December 4, 2016 to promote eco-tourism in the state and Ghashiram Kotwal.
declare it as an international bird-watching destination? III. His last film was the Jungle Book in 2016.
(a) Bihar (b) Uttar Pradesh (a) Both I and II (b) Only I
(c) Haryana (d) Delhi (c) Only III (d) None of these
General Knowledge & Banking Awareness F-47
179. Mahendra Singh Dhoni resigned as the captain of ODIs 187. The Paragraph 15 of the Election Symbol Reservation and
and T20 format of cricket. With reference to it consider the Allotment order, 1968 allows ECI to decide disputes among
following statements: rival groups or factions of a recognized political party staking
I. After Ricky Ponting, Dhoni has played the second claim to its name and symbol.
highest number of ODIs as skipper. Which of the following can be deduced from this?
II. He is the only captain to have won all three ICC trophies 1. ECI primarily ascertains support enjoyed by a claimant
- ODI World Cup, World Twenty20 and Champions within a political party in its organizational wing and
Trophy. legislative wing.
Choose the correct option 2. ECI is not the only authority to decide issue over claims
(a) Only I (b) Only II of Party symbol in case of split.
(c) Both I and II (d) Neither I nor II 3. In case of splits in registered but unrecognized parties,
180. Who was the Chief Guest of the 14th edition of Pravasi the ECI usually advice to solve their differences
Bhartiya Divas (PBD) convention that began in Bengaluru? internally or to approach to courts.
(a) Mauritius President Ameenah Gurib (a) 1 and 3 (b) 1, 2 and 3
(b) Surinam President Desi Bouterse (c) 3 only (d) 2 only
(c) Fiji President George Konrote 188. Consider the following statements:
(d) Portugal President Dr. Antonio Costa I. Daniel Ortega sworn in for second time as Nicaragua’s
181. Prof. David R. Syiemlieh was appointed as the chairman of president.
the Union Public Service Commission (UPSC) by the II. He was Nicaraguan guerrilla leader.
President Pranab Mukherjee. Whom has he replaced? III. His wife, Rosario Murillo, became the new vice
(a) Alka Sirohi (b) Rose Rathew Kharbuli president, giving a married couple the reins of power
(c) Prof. D.P. Agrawal (d) Gurbachan Jagat for the first time in the West American country’s history.
182. Nana Akufo-Addo was sworn in as the fifth president of Which of the following statement/s is/are false?
Republic of Ghana. Whom has he replaced? (a) Only I (b) Both I and II
(a) Mahamudu Bawumia (b) John Dramani Mahama (c) Only III (d) Both I and III
(c) Muhammadu Buhari (d) None of these 189. Who has been appointed as the new chairman of Tata Sons
in January 2017?
183. Which of the following cities of India are decided by Japan
to develop into Smart Cities? (a) Natarajan Chandrasekaran
1. Pune, Amaravati, Indore (a) Noel Tata
2. Chenai, Ahmedabad and Varanasi (a) Indra Krishnamurthy
3. Visakhapatanam, Ajmer and Allahabad (a) Nowroji Saklatwala
4. Bhubaneswar, Coimbattore and Kochi 190. Which of the following statement/s is/are not correct about
Cristiano Ronaldo?
Codes:
I. He is a Portuguese professional footballer.
(a) 1 and 2 (b) 1 and 4
II. He is the only player to win four European Golden
(c) 2 only (d) 2, 3 and 4
Shoe awards.
184. Which of the following is/are the key factors in promoting
III. He plays for Spanish club Real Madrid and the Portugal
Sustainable Tourism?
national team.
1. Mutual understanding, peace and security
(a) Only I is incorrect. (a) Only II is incorrect.
2. Social inclusiveness
(c) None is correct. (d) All are correct.
3. Environmental protection
191. Recently a 8 years old boy Abbu Ammaz becomes national
4. Industrial and Economic growth boxing champion, he belongs to ___________ state.
Codes: (a) Himachal Pradesh (a) Jammu & Kashmir
(a) 1, 2 and 3 (b) 4 only (c) Punjab (d) Gujarat
(b) 2 and 3 (d) 1 and 4 192. Who is recently appointed as President of BMW group
185. Which of the following countries get the anti-dumping duty India?
imposed on jute products recently? (a) Rahul Yadav (a) Kunal Bahl
1. Sri Lanka, Nepal 2. Nepal, Bhutan (c) Binny Bansal (d) Vikram Bawah
3. Nepal, Bangladesh 4. Bangladesh, Sri Lanka 193. Air India launched a ‘Fly For Sure’ scheme on January 11,
Codes: 2017 to ensure confirmed travel to passengers? It is similar
(a) 1 and 4 (b) 1 and 2 to the scheme of which airline in 2016.
(c) 1, 2 and 3 (d) 3 only (i) SpiceJet (ii) IndiGo
186. Why did India stop the meeting of Permanent Indus (iii) JetLite (iv) Jet Airways
Commission in 2016? Codes :
(a) Pathankot Attack (b) Surgical Strike (a) (i) only (b) (i), (ii)
(c) Uri Terrorist Attack (d) Kashmir Unrest (c) (iv) only (d) None of the above
F-48 General Knowledge & Banking Awareness
194. Researchers predict formation of a new plate boundary on (ii) The system would not help the voters to verify that
the floor of the Indian Ocean due to the largest earthquake their votes are casted correctly.
of 2012 that hit Andaman-Sumatra region and may lead to (iii) It can detect possible election fraud
future quakes. What was the name of that earthquake? (iv) It wouldn’t help to audit the stored electronic results.
(a) Valdivia Quake (b) Prince William Sound Codes :
(c) Slip-Strike Quake (d) Bio-Bio Quake (a) i, ii, iv (b) i, & iii
195. Which revised GDP growth estimate for India 2016-17 fiscal (c) iv only (d) ii & iii
ending March 31, 2017 are correct by different credit rating 200. Recently who filed a PIL regarding postponement of Union
agencies? Budget before assembly elections in five states?
1. World Bank’s 7% from 7.6% (a) Subramaniam Swamy (b) Manohar Lal Sharma
2. Fitch Rating Inc.’s 7.1% from 7.7% (c) Arvind Kejriwal (d) Akhilesh Yadv
3. Morgan Stanley’s 7.3% from 7.6% 201. Which one of the following statement is not correct in the
4. Asian Development Bank’s 7.2% from 7.8% context of Olive Ridleys Turtles?
Codes : (i) It derives its name from Olive leaf.
(a) 1 only (b) 1& 3 (ii) It is found in warm waters of Pacific and Indian Oceans.
(c) 1, 2, 3 (d) all (iii) It migrates thousands kilometers.
196. Which of the following statements is/are correct in the (iv) A single female lays more than 100 eggs.
context of India INX? Codes :
1. It will be fastest international exchange in the world in (a) i only (b) iii & iv
terms of order response time, with a median trade (c) i and ii (d) iv only
speed of four microseconds. 202. Pakistan test fired its first submarine launched cruise missile
2. The exchange will open for trading activity daily when Babur-III on 9th January, 2017 has the range of:
exchange in Japan opens and closes when exchanges (1) 250 to 500 km (2) 550 to 700 km
in the US close. (3) 450 km (4) 500 km
3. The second fastest international exchange is situated Codes:
at Moscow has an order response time of 60 (a) 3 and 4 (b) 4only
microseconds.
(c) 1 and 4 (d) 3 only
Codes :
203. Which one of the following statements are not correct in
(a) 3 only (b) 1, 2 and 3 the context of Hilsa Fish?
(c) 1& 2 (d) 2 only I. Buying or selling of Hilsa fish weighing less than 1kg.
197. Which of the following statement(s) is/are correct regarding is illegal.
right to education act? II. Indian Shad will become the first fish variety in India
1. The Act makes compulsory for every child between 6 to get legal protection.
and 14 III. It is a popular food fish in East Asia
2. U.N. Charter states clearly that free education should IV. Hilsa known as Ilish, Tenualosa ilisha is a species of
be made compulsory to children of 0-16 years old fish in the herring family.
3. On reservations, the act talks about 25% seat Codes:
reservation in private/public unaided school for lesser (a) I only (b) I & II
privileged children. (c) I & III (d) II & III
Codes : 204. In the context of a PIL filed by Clarence Pais former President
(a) 3 only (b) 1, 2 and 3 of a Karnataka Catholic Association in the apex Court, which
(c) 2 and 3 only (d) 1 and 3 statement(s) is/are true?
198. All of the following statements are true about Rubella except: I. The Supreme Court gives supremacy to parliamentary
(a) This disease infects humans as well as animals. laws over personal laws of religious groups.
(b) This viral disease infects pregnant women who give II. Divorce decrees of religious institutions can’t override
birth babies with defects law enacted by the state.
(c) Most common defects are deafness, cardiac III. Canon laws are personal laws of Parsis
malformations and cataract IV. Binding nature of the Indian Divorce Act, 1869 governs
(d) Rubella virus spreads through air via cough divorce among Christians.
199. Which of the following statement(s) is/are correct in the Codes:
context of Vote Verifier Paper Audit Trail? (a) I, II & IV (b) II & III
(i) It will ensure complete transparency in elections. (c) I & II (d) I, III & IV
General Knowledge & Banking Awareness F-49
205. The Securities and Exchange Board of India (SEBI) has (b) Global Economic Outlook
tightened rules for mergers and amalgamations by Indian (c) Global Competitiveness Report
companies: (d) Geneva Reports on the World Economy
I. To secure the interest of corporates 212. Oxfam focuses on:
II. To make listing process more transparent (a) Alleviation of global poverty
III. To safeguard the interests of the public shareholders (b) Gender disparity
Codes: (c) Educational equality
(a) I, II & III (b) II & III (d) Skill building
(c) None of the above (d) III only 213. Who is the winner of the 2017 Parsvnath Delhi International
206. Which of the following is/are true regarding National Small Chess tournament?
Savings Fund (NSSF)? (a) Farrukh Amonatov (b) R A Pradeep Kumar
I. Once states are excluded from NSSF investments, the (c) Dzhumaev Marat (d) Diptayan Ghosh
investible funds of NSSF with Government of India 214. Who has been appointed as the new President of the
(GoI) will decrease. European Parliament on January 17, 2017?
II. NSSF loans to the State Government were cheaper as (a) Sergio Mattarella (b) Petro Poroshenko
the market rates are considerably higher. (c) François Hollande (d) Antonio Tajani
Codes: 215. Donald John Trump has been sworn in as the ______
(a) Only I (b) Only II President of United States of America.
(c) Both I and II (d) Neither I nor II (a) 42 (b) 47
207. The Indian Institute of Mass Communication (IIMC) now (c) 45 (d) 49
offers PG Diploma in: 216. Alok Kumar Verma was appointed as the Director of Central
(a) English & Hindi Bureau of Investigation (CBI). With reference to it, consider
(b) English, Hindi, Oriya and Urdu the following statements.
(c) Hindi & Urdu I. Alok Verma is currently the Police Commissioner of
Delhi.
(d) Hindi, Bengli, English
II. He succeeded Rakesh Asthana and will have a term of
208. Consider the correct basis on which Akhilesh Yadav group
three years.
retained the party symbol.
III. Alok will be the 27th Director (including two acting
I. He is the Chief Minister of Uttar Pradesh chief) of CBI.
II. He is the newly elected Party President Choose the correct option
II. He enjoys popular support (a) Only II (b) Only III
IV. Akhilesh group enjoys overwhelming majority support (c) I and III (d) I and II
both among the legislative and organizational wing of
217. Consider the following statements regarding Poet Jacob
the party. Polley:
Codes: I. Jacob Polley was born in Carlisle, Cumbria, in 1975.
(a) I & IV (b) II only II. He is the author of four collections of poetry, The Brink
(c) I, II & III (d) IV (2003), Little Gods(2006), The Havocs (2012), and
209. According to Global Talent Index, India slipped from its Jackself (2016).
position mainly because of: III. Jacob Polley’s The Havocs wins 2016 T.S. Eliot prize
(a) It does not have a large talent pool Choose the correct option
(b) It has tightened VISA policy (a) Only 1 (b) Only 2
(c) Due to its failure in retaining and attracting talent (c) 1 and 2 (d) 1 and 3
(d) India boosts performance in its regulatory and market 218. Recently, which country withdrew its visa-free facility for
area Indians?
210. The CEPI has officially launched at 2017 World Economic (a) Hong Kong (b) China
Forum (WEF) to create new vaccines for emerging infectious (c) Sri Lanka (d) Thailand
diseases. What does “CEPI” stand for? 219. Which of the following warships has become the India’s
(a) Coalition for Epidemic Preacher Innovations first-ever warship to have ATM on board?
(b) Coalition for Epidemic Preparative Innovations (a) INS Vikramaditya (b) INS Sindhughosh
(c) Coalition for Epidemic Practicable Innovations (c) INS Arihant (d) INS Viraat
(d) Coalition for Epidemic Preparedness Innovations 220. Who is the newly appointed director of the CBI?
211. Inclusive Development Index (IDI) released in: (a) Jagdish Singh Khehar (b) Anil Sinha
(a) World Economic Forum’s (WEF) (c) Rakesh Asthana (d) Alok Verma
F-50 General Knowledge & Banking Awareness
221. Consider the following statements in context of the annual 227. Consider the following statements.
conference “Raisina Dialogue”. A. Seven new countries Lithuania, Gabon, Hungary,
A. The 3rd edition of Ministry of External Affairs’ annual Indonesia, Malta, Mauritius and Russia – have signed
conference “Raisina Dialogue” has been held at Taj Multilateral Competent Authority Agreement for
Palace in New Delhi from 17-19 January, 2017 with the Country-by-Country Reporting (CbC MCAA).
theme “The New Normal: Multilateralism in a multipolar B. With this, the total number of signatories has increased
world”. to 59 including India (signed in May 2015). CbC MCAA
B. Prime Minister Narendra Modi inaugurated and is a tax co-operation agreement to enable automatic
addressed the opening session of the Dialogue, which sharing of country-by-country information.
is India’s flagship geo-political conference. C. The base erosion and profit shifting (BEPS) Action
C. The conference was attended by delegates from 75 Plan adopted by the OECD and G20 countries in 2013.
countries. Which of the above statements is/are correct?
Which of the above statements is/are correct? (a) A only (b) A & C only
(a) A & B (b) B only (c) B only (d) All of the above
(c) B & C (d) None of them 228. Sheikh Mohammed is the crown prince of
222. Consider the following statements. (a) UAE (b) Dubai
A. Indian Space Research Organisation (ISRO) will set a (c) Abu Dhabi (d) Ajman
record when it launches 203 satellites in one go on a 229. PV Sindhu defeated _________ to win Syed Modi Grand
single rocket in the first week of March. Prix Gold badminton tournament.
B. In June last year, ISRO launched 20 satellites in one (a) P. V. Ramana (b) Saina Nehwal
go. (c) Carolina Marin (d) Gregoria Mariska
C. The satellites will be launched from the Satish Dhawan 230. With reference to Trump’s Immigration Ban, which of the
Space Centre in Sriharikota in Andhra Pradesh. following statements is/are incorrect?
Which of the above statements is/are correct? I Ban has targeted Muslim dominant countries.
(a) A & B (b) B only II Democrats and civil right groups are are supporting
(c) B & C (d) None of them the ban keeping national security in mind.
223. Which state government has launched e-health program III The ban has stopped the entry of refugees from Syria
“Jeevan Rekha” to provide a centralised database of indefinitely.
healthcare information? (a) I only (b) I, II and III
(a) Chhattisgarh (b) Tamil Nadu (c) II only (d) II and III
(c) Kerala (d) Assam 231. With regard to the match between Federer and Nadal, which
224. Who has been bestowed with the highest peace time of the following statement/s holds true?
gallantry decoration “Ashok Chakra” on the 68th Republic I Roger Federer won his 18th Grand slam
Day of India?
II Federer won the toss and decided to serve first.
(a) Nirbhay Singh (b) Harpreet Sandhu
III Tennis legend Rod Laver presented the trophy to the
(c) Hangpan Dada (d) Kapil Yadav winner.
225. What is the India’s rank in the 2016 Corruption Perception IV Federer became World no.1 after winning the match.
Index (CPI)?
(a) I and III (b) II and IV
(a) 66th (b) 82nd
(c) I and II (d) II and III
(c) 112th (d) 79th
232 Which of the following statement stands true about Anil
226. Consider the following statements. Ambani’s RDEL contract?
A. India celebrated its 68th Republic Day with Abu Dhabi I RDEL became the first private sector company to build
Crown Prince Mohammed bin Zayed Al Nahyan as the vessels for Indian Coast Guard.
chief guest at the annual parade.
II RDEL was the only bidder.
B The marching contingent of the UAE military is the
III RDEL will build 15 ships as per the contract.
second foreign military to ever participate in the
(a) I, II and III (b) I only
Republic Day parade. Last year, an American Army
contingent joined the parade becoming the first-ever (c) II only (d) I and III
foreign military to do so. 233. The I-League is officially known as the Hero I League due
C. Uttar Pradesh’s tableau is dedicated to the Beti Bachao, to
Beti Padhao campaign. (a) Sponsorship reasons
Which of the above statements is/are correct? (b) Change of name
(a) A only (b) A & B only (c) New guidelines
(c) B only (d) All of the above (d) To encourage corporate participation
General Knowledge & Banking Awareness F-51
234. Which of the following statement(s) is not correct in the III. Internet banking is not a part of its function.
context of ISRO’s launching of 103 satellites in one go. IV. It commenced its operations by rolling out pilot services
I. In the year 2016 ISRO has launched record 20 satellites in Raipur and Chhattisgarh.
at one go. Codes:
II. Satish Dhawan Space Centre in Sriharikota is situated (a) I & IV (b) II & IV
in Telangana.
(c) I & II (d) III & IV
III. In 2014 Russia launched 37 satellites in a single go.
239. Who among the followings is the chairperson of the Central
IV. PSLV is a launch system
Board of Direct Taxes (CBDT), the apex policy making body
Codes: for the Income Tax department?
(a) I & IV only (b) II & IV (a) Upendra Kumar Sinha (b) Dr. Y. V Reddy
(c) II only (d) II, III & IV
(c) Mr. Kishor Kharat (d) Sushil Chandra
235. ASTROSAT’s life span ends in the year:
240. Mobile App Mission FINFIT has been launched by which
(a) 2025 (b) 2020
bank in collaboration with Bangaluru startup Fisdom to
(c) 2015 (d) 2030 provide its customers an online platform to manage their
236. Which one of the followings is India’s first producer of personal wealth?
steel rails?
(a) ICICI Bank (b) Yes Bank
(a) Bhilai Steel Plant, Chhattisgarh
(c) Lakshmi Vilas Bank (d) Kotak Mahindra Bank
(b) Rourkela Steel Plant, Odisha
241. India’s first Post Office Passport Seva Kendra (POPSK) has
(c) Durgapur Steel Plant, West Bengal
been inaugurated in which city?
(d) Bokaro Steel Plant, Jharkhand
(a) Mysuru (b) Chennai
237. The BCSBI has launched an initiative to organise “Know
(c) Kochi (d) Guwahati
Your Rights” programme across the nation to create
awareness on Banking Codes at the grassroot level among 242. Which of the following statement(s) is/are correct?
the people. Expand BCSBI. I. Delhi was rated the most polluted city in the world for
(a) Banking Credit and Standards Board of India ambient air pollution by the United Nations
(b) Business Corporate and Service Board of India Educational, Scientific and Cultural Organization
(c) Banking Codes and Standards Board of India (UNESCO) in 2014.
(d) Business Codes and Security Board of India II. ASAP-Delhi will perform detailed physical and chemical
238. In the context of functions of Payment Banks which statement characterization of PM present in Delhi
is/are true? III. India has partnered with the experts from USA for the
I. They offer only current account and savings account project ASAP-Delhi
in which deposit only up to Rs 1 lakh per customer is IV. The project ASAP-Delhi is an Integrated Study of Air
permitted. Pollutant Sources in the Delhi National Capital Region
II. It allows mobile firms, supermarket chains and others (a) I & III (b) II & IV
to cater to banking requirements of individuals and (c) I & IV (d) IV only
small businesses.
F-52 General Knowledge & Banking Awareness

ANSWER KEY
1 (c) 28 (d) 55 (c) 82 (b) 109 (a) 136 (b) 163 (a) 190 (d) 217 (c)
2 (d) 29 (c) 56 (b) 83 (d) 110 (c) 137 (a) 164 (d) 191 (b) 218 (a)
3 (d) 30 (c) 57 (a) 84 (b) 111 (b) 138 (d) 165 (a) 192 (d) 219 (a)
4 (c) 31 (d) 58 (a) 85 (c) 112 (c) 139 (c) 166 (c) 193 (a) 220 (d)
5 (b) 32 (a) 59 (c) 86 () 113 (b) 140 (c) 167 (c) 194 (c) 221 (b)
6 (a) 33 (b) 60 (d) 87 (b) 114 (b) 141 (c) 168 (b) 195 (b) 222 (c)
7 (d) 34 (d) 61 (b) 88 (a) 115 (a) 142 (c) 169 (c) 196 (c) 223 (c)
8 (d) 35 (a) 62 (c) 89 (c) 116 (c) 143 (d) 170 (a) 197 (d) 224 (c)
9 (a) 36 (a) 63 (a) 90 (a) 117 (b) 144 (a) 171 (c) 198 (a) 225 (d)
10 (a) 37 (a) 64 (b) 91 (c) 118 (c) 145 (d) 172 (b) 199 (b) 226 (a)
11 (a) 38 (d) 65 (a) 92 (a) 119 (d) 146 (c) 173 (d) 200 (b) 227 (b)
12 (b) 39 (c) 66 (d) 93 (c) 120 (c) 147 (d) 174 (b) 201 (a) 228 (c)
13 (c) 40 (d) 67 (a) 94 (c) 121 (d) 148 (d) 175 (c) 202 (d) 229 (d)
14 (d) 41 (c) 68 (b) 95 (d) 122 (a) 149 (d) 176 (d) 203 (c) 230 (c)
15 (b) 42 (c) 69 (a) 96 (c) 123 (c) 150 (d) 177 (d) 204 (a) 231 (a)
16 (a) 43 (d) 70 (a) 97 (c) 124 (c) 151 (a) 178 (d) 205 (b) 232 (b)
17 (d) 44 (b) 71 (d) 98 (a) 125 (b) 152 (d) 179 (b) 206 (d) 233 (a)
18 (d) 45 (d) 72 (c) 99 (c) 126 (a) 153 (b) 180 (d) 207 (b) 234 (c)
19 (c) 46 (c) 73 (d) 100 (b) 127 (a) 154 (b) 181 (a) 208 (d) 235 (b)
20 (d) 47 (b) 74 (a) 101 (c) 128 (d) 155 (b) 182 (b) 209 (c) 236 (a)
21 (c) 48 (b) 75 (d) 102 (b) 129 (a) 156 (c) 183 (c) 210 (d) 237 (c)
22 (b) 49 (c) 76 b) 103 (c) 130 (a) 157 (b) 184 (a) 211 (a) 238 (c)
23 (d) 50 (d) 77 (b) 104 (a) 131 (d) 158 (d) 185 (d) 212 (a) 239 (d)
24 (c) 51 (c) 78 (c) 105 (b) 132 (c) 159 (a) 186 (c) 213 (c) 240 (c)
25 (d) 52 (c) 79 (b) 106 (a) 133 (a) 160 (d) 187 (a) 214 (d) 241 (a)
26 (c) 53 (d) 80 (b) 107 (c) 134 (a) 161 (b) 188 (d) 215 (c) 242 (b)
27 (b) 54 (c) 81 (b) 108 (a) 135 (b) 162 (b) 189 (b) 216 (c)