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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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Legal & Regulatory Aspects of
Banking
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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A!s - b
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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T1e ob+ec,&5es o4 ,1e ba!k&! ombu*sma! sc1eme are;
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c( SEBI
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Ce!,ra' a!* res,r&c,&o!s o! coopera,&5e ba!ks 1a5e ,o
subm&, ,1e&r re,ur!s u!*er Sec,&o! =$ o4 BR Ac, ,o
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a( Reser5e Ba!k a!* Na,&o!a' Ba!k
b( Na,&o!a' Ba!k o!'3
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bus&!ess 0&,1&! ,1e area o4 &,s opera,&o!(
a( ce!,ra' coopera,&5e ba!k
b( s,a,e coopera,&5e ba!k
c( pr&mar3 coopera,&5e ba!k
*( No!e o4 ,1e abo5e
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A!s - a
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01e! ,1e Ru'es) 4rame* b3 ,1e Ce!,ra' Go5er!me!,) u!*er
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a( A4,er ,1e Appe''a,e Tr&bu!a' o4 DR, appro5es ,1em(
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@1a, &s ,1e ob+ec, o4 &!,ro*uc,&! ,1e Ba!k&! Ombu*sma!
Sc1eme) /""/2
a( For e44ec,&5e mo!&,or&! o4 NA accou!,s &! ,1e ba!ks(
b( I, &s RBI ae!c3 ,o reu'a,e ,1e *&spu,es amo!s, ,1e
ba!ks(
c( To e!ab'e reso'u,&o! o4 comp'a&!,s re'a,&! ,o ba!k&!
ser5&ces(
*( For e6ecu,&! ,1e or*ers passe* b3 DRT(
A!s - c
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Ca! ,1e Ba!k&! Ombu*sma! u!*er,ake a!3 o,1er 0ork
,1a! o4 1&s o44&ce2
a( Yes) as ,1e appo&!,me!, o4 Ba!k&! Ombu*sma! &s
1o!orar3(
b( Yes) &4 RBI perm&,s ca! u!*er,ake 1o!orar3 0ork(
c( No(
*( Yes) &4 ,1e Ba!k&! Ombu*sma! ca! 1a!*'e bo,1 ,1e +obs
proper,3(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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Ca! ,1e Ba!k&! Ombu*sma! reso'5e ,1e *&spu,e be,0ee!
ba!ks or be,0ee! ba!k a!* &,s cus,omer b3
ar,&,ra,&o! re4ere!ce2
a( No) ,1e Ba!k&! Ombu*sma! 1as !o arb&,ra' po0ers(
b( Yes) &4 Ba!k&! Ombu*sma! 1&mse'4 4ee's a!* *ec&*es ,o
so(
c( No) as ,1e Ba!k&! Ombu*sma! 1as !o po0ers o4 C&5&'
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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a( $" 3ears
b( /" 3ears
c( : 3ears
*( $ 3ear
A!s - c
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@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s correc,2
a( ,1e ua'&4&e* &!5es,ors 0ou'* be pa&* ou, o4 ,1e
rea'&a,&o! o4 F&!a!c&a' Asse,s(
b( A!3 *&spu,e be,0ee! Ba!k secur&,&a,&o! compa!3 a!*
ua'&4&e* &!s,&,u,&o!a' &!5es,ors 0ou'* be
se,,'e* ,1rou1 arb&,ra,&o!(c( T1e 'e!*&! compa!3 se''s &,s 'oa!s ,o ,1e &!5es,ors
,1rou1 spec&a' purpose 5e1&c'e(
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A!s - *
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@1a, are ,1e 4ea,ures o4 asse, Reco!s,ruc,&o!2
a( T1e R&1, or &!,eres, o4 a!3 Ba!k &s acu&re* 4or ,1e
purpose o4 rea'&a,&o! o4 suc1 asse,s(
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b( No!-per4orm&! asse,s a'o!e ca! be acu&re* 4or asse, re-
co!s,ruc,&o!(
c( T1e asse,s ca! be acu&re* b3 ,1e Asse, Reco!s,ruc,&o!
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*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
U!*er 01a, c&rcums,a!ces secur&,3 ca! !o, be e!4orce*2
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c( @1e! ,1e Borro0er 1as repa&* more ,1a! <"8 o4
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
Secur&,3 &!,eres, mea!s
a( R&1,) ,&,'e a!* &!,eres, o4 a!3 k&!* upo! proper,3(
b( Crea,e* &! 4a5our o4 a!3 secure* cre*&,or(
c( T1&s &!c'u*es mor,ae) 13po,1eca,&o! a!* ass&!me!,(
*( A'' ,1e abo5e(
A!s - *
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(((((((((((((((((((((((((((((((((((((((((((((
@1e! a! ac,&o! 4or e!4orceme!, o4 secur&,3 ca! be
&!&,&a,e*2
a( @1e! a Borro0er &s u!*er ,1e '&ab&'&,3 o4 secure*
cre*&,or(
b( Borro0er makes a *e4au', &! pa3me!, o4 pr&!c&pa' a!*
&!,eres,(
c( T1e 'oa! accou!, &s c'ass&4&e* as No!-per4orm&! Asse,
>NA?(
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s a No!-per4orm&! Asse,
a( @1ere pa3me!, o4 &!,eres, or pr&!c&pa' or bo,1 &s &!
arrears 4or more ,1a! $<" *3as(
b( @1ere 'oa! accou!, &s &! *e4au', 4or " *a3s a!* abo5e(
c( @1ere 'oa! accou!, &s c'ass&4&e* as sub-s,a!*ar* *oub,4u'
or 'oss Asse, b3 ,1e Ba!k as per ,1e
*&rec,&o!s o4 RBI(
*( No!e o4 ,1e abo5e(
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A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! are ,1e reu&reme!,s 4or 4&!*&! a
!o,&ce2
a( I, mus, be &! 0r&,&! &5&! a borro0er ,&me o4 9" *a3s ,o
*&sc1are ,1e '&ab&'&,3(
b( I, mus, spec&43 ,1a, secure* cre*&,or 1as r&1, ,o e6erc&se
a!3 ac,&o! o5er ,1e asse,s(
c( I, mus, &5e *e,a&'s o4 amou!, pa3ab'e b3 ,1e borro0er
a!* ,1e secure* asse,s &!,e!*e* ,o ,1ee!4orce*(
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A!s - *
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b( I, s1ou'* co5er e!,&re 'oa! '&ab&'&,3 &!c'u*&! &!s,a'me!,s
!o, *ue(
c( I, mus, me!,&o! 4u,ure &!,eres, pa3ab'e ,&'' ,1e *a,e o4
repa3me!,(
*( A'' ,1e abo5e(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! are ,1e pro5&s&o!s 4or +o&!, secure*
cre*&,ors2
a( I!*&5&*ua' secure* cre*&,ors ca! !o, ,ake a!3 ac,&o!
u!'ess suc1 r&1, &s aree* upo!(
b( Dec&s&o! 0&'' be ,ake! +o&!,'3 b3 secure* cre*&,ors 1a5&!
:# per ce!, o4 '&ab&'&,3(
c( T1e *ec&s&o! ,ake as abo5e(>b? 0&'' be b&!*&! &! a'' ,1e
rema&!&! secure* cre*&,ors(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
o0 ,1e amou!, rece&5e* 4rom sa'e o4 secure* asse,s 0ou'*
be app'&e*2
a( a3me!, o4 cas1) c1a!es &!curre* &! ,ak&! o5er ,1e
asse,s a!* ma&!,a&!&! &,(
b( D&sc1are o4 *ue o4 secure* cre*&,or(
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e!,&,'e*(
*( I! ,1e abo5e ma!!er >a?) >b? a!* >c?(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
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@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s correc,2
a( Secure* cre*&,or ma3 4&'e a case 0&,1 DRT 4or ,1e
rema&!&! u!rea'&se amou!,( b( No su&, ca! be 4&'e* aa&!s, ,1e secure* cre*&,or &4 &, 1as
ac,e* &! oo* 4a&,1(
c( Ac,&o! aa&!s, ,1e secure* cre*&,or ca! be ,ake! o!'3 o4
ma'a4&e* &s a''ee* a!* es,ab'&s1e*(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1ose ass&s,a!ce ca! be ,ake! 4or ,ak&! o5er asse,s &4 ,1e
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asse,2
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b( D&s,r&c, Ma&s,ra,e(
c( >a? or >b?
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A!s - c(((((((((((((((((((((((((((((((((((((((((((((
Spur&ous Goo*s are *e4&!e* u!*er
a( sa'e o4 Goo*s ac,
b( co!,rac, ac,
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c( co!sumer pro,ec,&o! ac,
*( compa!&es ac,
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
T1e *ocume!, o4 ,&,'e ,o oo*s e!ab'es ,1e 1o'*er
a( ,o ,ra!s4er ,1e oo*s
b( o0!ers1&p b3 e!*orseme!,
c( possess&o! o4 oo*s b3 *e'&5er3
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
No!-re&s,ra,&o! o4 c1are 0&,1 ROC makes a ba!k ,o
a( become u!secure* cre*&,or aa&!s, o,1er c1are 1o'*ers
b( s1are ,1e secur&,&es 0&,1 o,1er c1are 1o'*ers
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c( 'ose ,1e reme*3 ,o 4&'e su&, 4or ,1e *eb,
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A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
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a( a !o,&4&e* area
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A!s - a
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a( ,1e Spo!sor Ba!k
b( &,s Boar* o4 D&rec,ors
c( Na,&o!a' Ba!k
*( No!e o4 ,1e abo5e
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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&! ,1e Ba!k&! Reu'a,&o! Ac, s1a'' be
co!s,rue* as re4ere!ce ,o a coopera,&5e
ba!k(
a( coopera,&5e soc&e,3 b( ba!k&! compa!3
c( bo*3 corpora,e
*( No!e o4 ,1e abo5e
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A!s - b
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(((((( oo*s are ,o be ma!u4ac,ure*pro*uce*acu&re* b3 ,1e
se''er a4,er mak&! o4 ,1e co!,rac, o4 sa'e(
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b( Empo0er&! ba!ks a!* 4&!a!c&a' &!s,&,u,&o!s ,o ,ake possess&o! o4 ,1e mor,aae* secur&,&es(
c( To se'' ,1e secur&,&es 0&,1ou, &!,er5e!,&o! o4 cour,(
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A!s - *
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(((((((((((((((((((((((((((((((((((((((((((((
@1a, are ,1e ma&! &ssues 0&,1 01&c1 SARFAESI Ac,) /""/
*ea's 0&,12
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c( E!4orceme!, o4 secur&,&es(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
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Compa!32
a( Se,,&! up o4 a compa!3(
b( Acu&r&! Asse,s 4or Reco!s,ruc,&o!(
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c( Acu&re Asse,s 4or Asse, Reco!s,ruc,&o!(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! &s !o, a 4u!c,&o! o4 Asse,
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a( To acu&re pe!*&! reco5er3 cases 4rom DRT(
b( Ac, as a! Ae!, 4or Reco5er(
c( Ac, as Ma!aer(
*( Ac, as Rece&5er o4 Cour,Tr&bu!a'(
A!s - a(((((((((((((((((((((((((((((((((((((((((((((
T1e &mpor,a!, 4ea,ures o4 E!4orceme!, o4 Secur&,&es are
a( ,ake possess&o! o4 ,1e Secure* Asse,s(
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b( Take o5er ma!aeme!, o4 Secure* Asse,s(
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*( Ac, as a! Ae!, 4or Reco5er(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
T1e &mpor,a!, 4ea,ures o4 E!4orceme!, o4 Secur&,&es are
a( ,ake possess&o! o4 ,1e Secure* Asse,s(
b( Take o5er ma!aeme!, o4 Secure* Asse,s(
c( Reco5er *ues 4rom ,1e *eb,ors o4 ,1e borro0er
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
I! 01&c1 o4 ,1e 4o''o0&! Ac,s( T1e pro5&s&o!s o4 Mor,ae
o4 a! Asse, are *ea', 0&,12
a( Tra!s4er o4 roper,3 Ac,(
b( Sa'e o4 Goo*s Ac,(
c( Neo,&ab'e I!s,rume!, Ac,(*( I!*&a! Compa!3 La0(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
T1e ba!k ca! e!4orce ,1e secur&,3 a4,er &5&! !o,&ce a!* &4
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Borro0er *oes !o, repa3 0&,1&!
a( =" *a3s
b( 9" *a3s
c( :# *a3s
*( " *a3s
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
T1e po0er o4 e!4orceme!, o4 secur&,3 are a5a&'ab'e ,o
a( Ba!k&! Compa!&es
b( ub'&c F&!a!c&a' I!s,&,u,&o!s
c( No!-Ba!k&! F&!a!c&a' compa!&es*( >a? a!* >b?
A!s - *
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(((((((((((((((((((((((((((((((((((((((((((((
@1a, are ,1e R&1,s a5 a&'ab'e ,o a secure* cre*&,or2
a( To se'' ,1e Asse,s(
b( F&'e app'&ca,&o! 0&,1 DRT 4or reco5er3 o4 4u'' or
rema&!&! *ues(
c( To procee* aa&!s, ,1e uara!,or(
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! &s correc,2
a( T1e borro0er ca! 4&'e a! appea' 0&,1 ,1e DRT o!'3 a4,er
,1e secure* cre*&,or ,akes possess&o! o4
Asse,(
b( Borro0er ca! !o, 4&'e a! appea' &! ,1e C&5&' Cour,(
c( @r&, pe,&,&o! ca! be 4&'e* &! ,1e &1 Cour, a, a!3 ,&me(
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A!s - *(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s !o, correc,2
a( ,1e secure* cre*&,or 1as a'' ,1e Ju*&c&a' po0ers(
b( T1e Borro0er ca! e, ,1e possess&o! o4 Asse, back &4 1e
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succee*s &! DRT(
c( T1e pro,ec,&o! o4 SICA 0&'' !o, be a5a&'ab'e o!ce ,1e
secure* cre*&,or ,akes s,eps
*( T1e Borro0er ca! e, compe!sa,&o! 4rom ,1e secure*
cre*&,or &4 1e succee*s &! appea' &! DRT(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! pro5&s&o!s are correc, rear*&!
secur&,&sa,&!2
a( per4orm&! Asse,s ca! be secur&,&e*(
b( No!-per4orm&! asse,s ca! a'so be secur&,&e*(
c( A secur&,&a,&o! compa!3 ca! a'so ac, as Asse, Re-co!s,ruc,&o! Compa!3 a!* 5&ce-5ersa(
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! are ,1e reu&reme!,s o4 a secur&,&e*
compa!32
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a( I, s1ou'* be a! &!*epe!*e!, compa!3(
b( I, s1ou'* be re&s,ere* 0&,1 RBI(
c( I, 0&'' be a pub'&c 4&!a!c&a' &!s,&,u,&o!(
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s correc,2
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b( T1e *&44ere!ce be,0ee! secur&,&a,&o! a!* 4ac,or&! &s
,1a, &! 4ac,or&! o!'3 e6&s,&! Rece&5ab'es ca! be acu&re* 01&'e &! secur&,&s,&o! e5e!
4u,ure Rece&5 ab'es ca! be acu&re*(
c( T1e purpose o4 Secur&,&sa,&o! &s ,o a5o&* m&sma,c1
be,0ee! Asse,s a!* L&ab&'&,&es(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
T1e secur&,&a,&o! Compa!3 ca! acu&re 4&!a!c&a' asse,s
4rom Ba!ks &! ,1e 4o''o0&! ma!!er
a( b3 &ssu&! Debe!,ure or Bo!*s(
b( B3 e!,er&! &!,o a! arra!eme!, 0&,1 ,1e Ba!kF&!a!c&a'
I!s&,u,&o!(
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c( >a? or >b?
*( >a? a!* >b?
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s ,1e ro'e o4 ua'&4&e* I!s,&,u,&o! Bu3ers &! ,1e
secur&,&a,&o! process2
a( T1e ua'&4&e* &!5es,ors 0ou'* &!5es, &! ,1e F&!a!c&a'
Asse, Sc1eme(
b( T1e secur&,&e* compa!3 &ssues Secur&,3 Rece&p,s ,o
ua'&4&e* &!5es,ors(
c( T1e secur&,3 rece&p, represe!,s u!*&5&*e* &!,eres, &! ,1e
F&!a!c&a' Asse,(*( T1e secur&,&e* compa!3 0&'' rea'&e F&!a!c&a' Asse,s
a!* re*eem ,1e &!5es,me!,(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
Le,,er o4 Cre*&, 01ere &! a**&,&o! ,o a*5a!ce pa3me!,),1e
be!e4&c&ar3 &s e!,&,'e* ,o pa3me!, o4 s,orae
c1ares &s ca''e*
a( LC
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b( Re* c'ause cre*&,
c( Ye''o0 c'ause cre*&,
*( Gree! c'ause cre*&,
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
Ca! a cus,omer 4rom 01ose accou!, 4rau*u'e!,'3 someo!e
1as 0&,1*ra0! mo!e3 make comp'a&!,
be4ore ,1e Ba!k&! Ombu*sma!2
a( No) as ,1e o44e!ce comm&,,e* &s o4 cr&m&!a' !a,ure FIR
0&,1 po'&ce 1as ,o be 4&'e*( b( Yes) bu, &4 ,1e po'&ce au,1o&r&,&es 01o 1a5e rece&5e* FIR
perm&, 4&'&! o4 comp'a&!, 0&,1 Ombu*sma!(
c( Yes) as ,1&s aspec, comes u!*er ,1e po0ers o4 Ba!k&!
Ombu*sma!(
*( No) as ,1e 'oss cause* ,o ,1e cus,omer &s o4 a c&5&' !a,ure
4or reco5er3) c&5&' su&, &s reu&re* ,o be 4&'e*(
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
O!ce ,1e *&spu,e be4ore ,1e Ba!k&! Ombu*sma! &s
re4erre* ,o arb&,ra,&o! ca! !e0 c'a&m or
cou!,erc'a&m be ma*e2
a( No) as ,1e re4ere!ce o! ,1e &ssues 1as a'rea*3 bee! ma*e(
b( Yes) pro5&*e* ,1e c'a&m a!* cou!,erc'a&m are 0&,1&! ,1e
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,erms o4 re4ere!ce(
c( Yes) pro5&*e* a**&,&o!a' s,amp *u,3 &s pa&* ,1ereo!(
*( No) because arb&,ra,&o! &s b3 mu,ua' co!se!, so s,ae o4
c'a&m a!* cou!,er c'a&m *oes !o, ar&se(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
Sec,&o! #>b? o4 (((((( c, &5es ,1e *e4&!&,&o! o4 ,1e ,erm
Ba!k&!
a( Co!,rac, Ac,
b( Neo,&ab'e I!s,rume!,s Ac,
c( Ba!k&! Reu'a,&o! Ac,
*( Tra!s4er o4 roper,3 Ac,
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
r&!c&p'e 4u!c,&o!s o4 ,1e Ba!k are
a( D&spa,c1 o4 s,a,eme!,s
b( A*+us,me!, o4 I!,ero44&ce Tra!sac,&o!s
c( C'ear&!
*( Accep,a!ce o4 *epos&,s 4or Le!*&! a!* &!5es,me!,
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
I! a *epos&, accou!, ,1e pr&!c&pa' re'a,&o! be,0ee! Ba!k
a!* Cus,omer &s ba!k (((((( a!* ,1e Cus,omer
((((((
a( Ae!,) r&!c&pa'
b( Lessor) Lessee
c( Cre*&,or) Deb,or
*( Deb,or) Cre*&,or
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
I! case o4 sa4e cus,o*3 o4 ar,&c'es re'a,&o! be,0ee! Ba!k
a!* Cus,omer &s Ba!k (((((( a!* Cus,omer ((((((
a( Ae!,) r&!c&pa'
b( Lessor) Lessee
c( Ba&'or) Ba&'ee
*( Deb,or) Cre*&,or
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
L&!e &s aa! (((((( o4 ,1e cre*&,or ,o re,a&! possess&o!(
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a( Ob'&a,&o!
b( R&1,
c( I!,eres,
*( ro,ec,&o!
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
T1e S,a,e Ba!k o4 I!*&a &s a ((((((777 co!s,&,u,e* u!*er ,1e
S,a,e Ba!k o4 I!*&a Ac,(
ba!k&! compa!3
bo*3 corpora,e
soc&e,3
*( No!e o4 ,1e abo5e
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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T1e C1a&rma! o4 ,1e S,a,e Ba!k &s appo&!,e* b3 (((((( &!
co!su',a,&o! 0&,1 ,1e Reser5e Ba!k(
a( ,1e Ce!,ra' Boar* b( Ba!k&! ser5&ces Recru&,me!, Boar*
c( Ce!,ra' Go5er!me!,
*( No!e o4 ,1e abo5e
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
S,a,e Ba!k 1as ,o ac, as (((((( a!* carr3 ou, Ce!,ra'
Go5er!me!, bus&!ess
a( a!* o,1er bus&!ess e!,rus,e* b3 ,1e Reser5e Ba!k(
b( ae!, o4 Reser5e Ba!k
c( ae!, o4 Ce!,ra' Go5er!me!,
*( a*5&sor ,o ,1e Ce!,ra' Go5er!me!,
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
T1e pro5&s&o! o4 ,1e (((((( are app'&cab'e ,o S,a,e Ba!k ass,&pu'a,e* &! Sec,&o! #$ o4 ,1e BR Ac,(
a( RBI Ac,
b( Ba!k&! Reu'a,&o! Ac,
c( Compa!&es Ac,
*( No!e o4 ,1e abo5e
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A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1ere as e!era' '&e! &5es r&1, ,o re,a&! oo*s) Ba!kers
'&e! 1as (((((( &! case o4 *e4au',(
a( r&1, ,o crea,e c1are
b( r&1, ,o crea,e mor,ae
c( r&1, ,o se''
*( No!e o4 ,1ese
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
Ge!era' '&e! &5es ,1e cre*&,or r&1, ,o re,a&! (((((( 01&c1 1a5
e come &! 1&s possess&o!(
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a( o!e 3ear
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(((((((((((((((((((((((((((((((((((((((((((((
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7/21/2019 JAIIB LRAB Sample Questions by Murugan - For Nov 14 Exams
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a( @&,1&! / mo!,1s(
b( @&,1&! = mo!,1s(
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a( No 01ere(
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A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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b( A''a1aba* &1 Cour,(
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(((((((((((((((((((((((((((((((((((((((((((((
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a( Reser5e Ba!k o4 I!*&a(
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c( Ce!,ra' Go5er!me!,
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A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
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A!s - b
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b( Deb,s *ue ,o Sma'' I!*us,r&es(
c( Deb,s *ue ,o ro4ess&o!a' a!* se'4-emp'o3e* perso!s(
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a( A!3 o4 ,1e Tr&bu!a's &! I!*&a(
b( O!'3 &! ,1e Tr&bu!a' &! 01ose +ur&s*&c,&o! ,1e Ba!k o4
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A!s - b
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*( Appe''a,e Tr&bu!a' 4or Fore&! E6c1a!e
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A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
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*( /
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
T1e po0er o4 sa'e 0&,1ou, &!,er5e!,&o! o4 ,1e Cour, &s &5e!
,o ,1e mor,aor &! ,1e case o4 ,1e
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a( Eu&,ab'e mor,ae
b( E!'&s1 mor,ae
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A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
A Ba!k 1as a''o0e* a curre!, Ac 1o'*er a* 1oc o5er*ra4, o4
Rs $# 'ak1( T1e amou!, &s *ue( 01e,1er ,1&s
&s reco5erab'e u!*er pro5&s&o!s o4 DRT Ac,2
a( No) as &, &s !o, a reu'ar 'oa!(
b( No) as o!'3 secure* 'oa!s ca! be reco5ere* u!*er ,1eDRT Ac,(
c( Yes) as &, &s a 'ea''3 reco5erab'e amou!, b3 ,1e Ba!k(
*( Yes) bu, &4 ,1e ,r&bu!a' ra!,s spec&a' perm&ss&o! ,o 'o*e
,1e case(
A!s - c
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(((((((((((((((((((((((((((((((((((((((((((((
Bes&*es ,1e SARFAESI Ac, some o,1er 'a0s reu&re some
re&s,ra,&o! o4 c1are crea,e* &! ,1e proper,3(
@1e,1er suc1 *oub'e re&s,ra,&o! &s a5o&*ab'e2
a( Yes) ,1e cre*&,or ca! c1oose u!*er 01&c1 'a0 1e !ee*s
re&s,ra,&o!(
b( No( re&s,ra,&o! u!*er SARFAESI Ac, as 0e'' as a!3
o,1er app'&cab'e 'a0 0&'' 1a5e ,o be ma*e) as
SARFAESI Ac, &s !o, subs,&,u,&o! o4 a!3 o,1er 'a0(
c( Yes) &4 o!e c1are !o,&! &s b3 a re&s,ere* *ocume!,(
*( No) as ,1e C&5&' Cour,s a!* DRT s,&'' 1a5e +ur&s*&c,&o!
aa&!s, ,1e proper,&es bo,1 re&s,ra,&o! are
reu&re*(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
(((((((((( &s o!e o4 ,1e mo*es o4 'e!*&! b3 a ba!ker(
a( Docume!,ar3 B&''s
b( B&'' o4 purc1ase
c( Supp'3 B&''s
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*( B&'' 4&!a!ce
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
Ge!era' '&e! ca! be e6erc&se* b3 ,1e ba!k o! o!e o4 ,1e
4o''o0&!
a( cas1 rem&,,e* 4or DD
b( cre*&, ba'a!ce &! 'oa! accou!,
c( ar,&c'es &! sa4e cus,o*3
*( co!,e!,s o4 'ocker
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
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a( compa!&es ac,
b( Ac, o4 par'&ame!,
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*( No!e
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
(((((( &s ,erm&!a,e* 01e! ,1e bu3er e,s ,1e possess&o! o4 ,1e
oo*s
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a( '&e!
b( areeme!,
c( co!*&,&o!
*( 0arra!,3
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
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1as a r&1, ,o (((((( ,1e oo*s(
a( use
b( se''
c( re,a&!
*( resa'e
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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I! ba!k uara!,ees) ,1e ba!k makes pa3me!, o! ((((((
a( be&! co!5&!ce* ,1a, ,1e be!e4&c&ar3 1as &!curre* 'oss
b( o! be&! sue* b3 ,1e be!e4&c&ar3c( o! ,1e uara!,ee be&! &!5oke* a!* a4,er seek&!
co!curre!ce o4 ,1e *eb,or
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
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r&1, ,o *ra0 b&''s o! a Le,,er o4 Cre*&, &s5es,e* &!
a( ,1e ope!er o4 ,1e LC
b( ,1e &ssu&! Ba!k o!'3
c( ,1e Bu3er o!'3
*( a'' ,1e ,1ree par,&es
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
@1e,1er breac1 o4 RBI *&rec,&5es &s pu!&s1ab'e o44e!ce a!*
,o 01a, e6,e!,2
a( Yes) 4&!e up ,o 4&5e 'ak1 rupees a!* 4or co!,&!ua,&o! o4
o44e!ce per *a3 4&!e up ,o rupees ,e!
,1ousa!*(
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b( Yes) b3 ca!ce''a,&o! o4 '&ce!ses o4 ,1e compa!3(
c( No) ,1ese are ,1e a*m&!&s,ra,&5e *&rec,&o!s(
*( No) ,1e Ac, 1as !o, pro5&*e* 4or a!3 pu!&s1me!, &!
spec&4&c(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
Ba!ks e!era''3 e!ae* &! 01&c1 ,3pe o4 'eas&!
ac,&5&,&es2
A( opera,&o!a'
B( 4&!a!c&a'
C( ser5&ce
D( 'e5erae*
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
I! 01&c1 p'aces a! appea' aa&!s, ,1e or*ers o4 Deb,s
Reco5er3 o44&ce ca! be 4&e'*2
a( Appe''a,e Tr&bu!a'(
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b( &1 Cour,(
c( D&s,r&c, Cour,(
*( Appea' ca! !o, be 4&'e*(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
@1ere &s ,1e Appe''a,e Tr&bu!a's &s 'oca,e*2
a( T1&ru5a!a!,1apuram(
b( Mumba&
c( Eas, S,a,e ea* Quar,er(
*( No!e o4 ,1ese(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s ,1e 4ee pa3ab'e up,o a 'oa! amou!, o4 Rs( $" 'ac(
a( Rs( $")"""
b( Rs( $/)"""
c( Rs( $)#")"""(
*( Rs( /")"""(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s ,1e 4ee pa3ab'e 4or ,1e Deb, amou!, abo5e Rs( $"
'ac2
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o0 muc1 &s ,1e 4ee pa3ab'e &4 a su&, &s ,ra!s4erre* ,o Deb,s
Reco5er3 Tr&bu!a' 4rom a cour,2
a( Rs( $)"")"""(
b( Rs( $)#")"""(
c( <"8 o4 ,1e *eb, amou!,(
*( No suc1 4ee &s pa3ab'e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
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a( @&,1&! : *a3s(
b( @&,1&! $" *a3s(
c( @&,1&! =" *a3s(
*( @&,1&! 9" *a3s(
A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s ,1e ,&me '&m&, 4or DRT ,o comp'e,e ,1e process2
a( @&,1&! 9 mo!,1s(
b( @&,1&! mo!,1s(
c( @&,1&! $/ mo!,1s(
*( No suc1 '&m&,(
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A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
@1o &ssues Cer,&4&ca,e o4 Reco5er3 4or reco5er3 o4 *eb,s2
a( Reco5er3 O44&cer(
b( res&*&! O44&cer(
c( Ba!k Ma!aer(
*( Appe''a,e Au,1or&,3(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1o &s ma&!'3 respo!s&b'e 4or reco5er3 o4 *eb, &! ,1e DRT2
a( Reco5er3 O44&cer(
b( res&*&! O44&cer(
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A!s - a
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A!s - a
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b( A'' ,1e s,a,e o4 Cou!,r3(
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A!s - b
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a( Rs( $ 'ac(
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c( Appo&!,&! a Rece&5er 4or ,1e ma!aeme!, o4 ,1e
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c( T1rou1ou, ,1e cou!,r3(
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a( Dema!* B&''
b( C'ea! B&''
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T1e '&m&,a,&o! per&o* 4or 4&'&! a su&, 4or sa'e o4 mor,ae*
proper,3 4orm ,1e *a,e mor,ae *eb,
becomes *ue &s(((
a( $/ Years
b( /" Years
c( =" Years
*( No!e o4 ,1e abo5e
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
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A!s - *
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a( Neo,&ab'e &!s,rume!,s
b( Tra!s4erre* &!s,rume!,s
c( Trus, Rece&p,s
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A!s - a
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A c1eue &s pa3ab'e o! a ((((((
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a( *ema!*
b( a4,er cer,a&! *a3s
c( o! a 4&6e* 4u,ure *a,e
*( No!e o4 ,1ese
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
I! a c&5&' su&, ,o 01&c1 ba!k &s !o, a par,3 1as pro*uce*
cer,&4&e* cop3 o4 books o4 accou!,( O!e par,3 ,o
,1e su&, 0a!,s ,o ca'' ba!k o44&cer as 0&,!ess ,o pro5e ,1e
co!,e!,s o4 cop3( Ca! &, be *o!e2
a( Yes) as &, &s r&1, o4 ,1e par,3 ,o e, &, rea44&rme* &!e5&*e!ce(
b( No) as ,1e cer,&4&e* cop3 &s a pr&ma 4ac&e e5&*e!ce ,1a, &s
a*m&ss&b'e &! e5&*e!ce(
c( No) u!'ess ,1e ba!k 5o'u!,eers ,o *o so(
*( Yes) bu, &4 Cour, a''o0s ,1e app'&ca,&o! ,o ca'' ,1e
0&,!ess(
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A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1a, are ,1e e6cep,&o!s o4 E5&*e!ce Ac,2
a( a cer,&4&e* cop3 o4 ,1e or&&!a' *ocume!, ca! be pro*uce*
&! ,1e cour, o4 La0 &4 &, &s perm&,,e* b3 a!3
'a0(
b( T1e Ba!kers Books E5&*e!ce ac,( Is a'so a! e6cep,&o! ,o
,1e E5&*e!ce Ac,(
c( Bo,1 >a? a!* >b?(
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A!s - c
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! &s &!c'u*e* &! ,1e Ba!kers Book2
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b( Cas1 Books a!* Accou!, Books(
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1a, &s a cer,&4&e* cop32
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a( A cop3 o4 a!3 e!,r3 &! ,1e Books o4 a Ba!k a'o!0&,1 a
cer,&4&ca,e ,1a, cop3 &s a True Cop3(
b( T1a, suc1 e!,r3 &s co!,a&!e* &! o!e o4 ,1e Books o4 ,1e
Ba!k(
c( A!* suc1 Books are s,&'' u!*er ,1e cus,o*3 o4 ,1e Ba!k(
*( A cop3 01&c1 &!c'u*es a'' ,1e abo5e &!4orma,&o!(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s !o, correc, rear*&!
Ba!kers Books E5&*e!ce Ac,2
a( T1e cer,&4&ca,e &ssue* b3 Ba!k s1ou'* 1a5e s&!a,ures o4
,1e au,1or&e* perso! a!* &, s1ou'* be *a,e*( b( I, s1ou'* be suppor,e* b3 or&&!a' *ocume!,(
c( T1e cer,&4&e* cop3 0&'' be or&&!a' *ocume!,(
*( T1e Ba!k 0&'' e!sure ,1e accurac3 o4 ,1e cop3(
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
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@1&c1 o4 ,1e 4o''o0&! s,a,eme!,s) &s correc, rear*&!
Ba!kers Books E5&*e!ce Ac,2
a( No o44&cer o4 a Ba!k ca! be compe''e* ,o pro*uce a!3Ba!kers Books u!'ess &, &s spec&a''3 or*ere* b3
,1e cour,(
b( T1e abo5e pro5&s&o! >a? app'&es o!'3 01e! ,1e Ba!k &s
!o, a par,3 ,o ,1e case(
c( A! &!5es,&a,&! o'&ce o44&cer ca! compe' a Ba!k o44&cer
,o pro*uce ,1e Book 0&,1ou, cour, or*er(
*( A'' ,1e abo5e(
A!s - *(((((((((((((((((((((((((((((((((((((((((((((
Lea' procee*&! u!*er Ba!kers Books E5&*e!ce Ac,)
s&!&4&es
a( a!3 procee*&! or &!u&r3 &! 01&c1 e5&*e!ce &s &5e!
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$:=(
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(((((((((((((((((((((((((((((((((((((((((((((
@1a, are ,1e po0ers o4 ,1e cour, &! case o4 'ea'
procee*&!s u!*er ,1e Ba!kers Books E5&*e!ce ac,2
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a( perm&, ,1e a44ec,e* par,3 ,o &!spec, ,1e Books a!* ,ake
cop&es(
b( Or*er ,1e Ba!k ,o prepare ,1e pro*uce 0&,1&! spec&4&e*
,&me ,1e cer,&4&e* cop&es
c( Or*er ,1e Ba!k ,o prepare cer,&4&ca,es as *es&re* u!*er
,1e La0(
*( A'' ,1e abo5e(
A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
I! 1o0 ma!3 *a3s a Ba!k &s reu&re* ,o comp'3 0&,1 cour,
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a( = *a3s e6c'u*&! Ba!k 1o'&*a3s(
b( : *a3s e6c'u*&! Ba!k 1o'&*a3s(
c( $" *a3s e6c'u*&! Ba!k 1o'&*a3s(
*( $# *a3s e6c'u*&! Ba!k 1o'&*a3s(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
A 1as purc1ase* a *ra4, 4rom a ba!k 4a5our&! B( T1e
*ra4, &s 'os, &! ,ra!s&, a!* 4or *up'&ca,e *ra4, &!
'&eu o4 4&rs, ba!k !ee* some 4orma'&,&es ,o be comp'e,e* b3
A( Ca! B 4&'e a co!sumer case aa&!s, ,1e
4orma'&,&es as a, &s *e'a3&! pa3me!, ,o 1&m(
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a( No) as 1e &s !o, co!sumer o4 ,1e ba!k a!* &s !o, ,ak&!
a!3 ser5&ce 4rom ,1e ba!k(
b( No) as 1e 1as !o, pa&* ,1e *ema!* *ra4, comm&ss&o!(
c( Yes) as because o4 ba!k 1&s pa3me!, &s e,,&! *e'a3e*(*( Yes) 1&s mo!e3 &s '3&! &! ,1e ba!k) 1e &s *eeme* as
accou!, 1o'*er o4 ,1e ba!k(
A!s - a
(((((((((((((((((((((((((((((((((((((((((((((
T1e accep,a!ce o4 recomme!*a,&o!s o4 ,1e ba!k&!
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comp'a&!a!, 0&,1&! ((((((
a( : *a3s
b( $# *a3s
c( /$ *a3s
*( $ Mo!,1
A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
T1e '&m&,a,&o! per&o* 4or 4&'&! a su&, 4or 4orec'osure 4orm,1e *a,e mo!e3 secure* becomes *ue &s
a( $/ Years
b( /" Years
c( /# Years
*( No!e o4 ,1e abo5e
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A!s - *
(((((((((((((((((((((((((((((((((((((((((((((
A compa!3 01&c1 ca! appo&!, ,1e ma+or&,3 o4 *&rec,ors &!
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a( Subs&*&ar3 Compa!3
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c( Fore&! Compa!3
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A!s - b
(((((((((((((((((((((((((((((((((((((((((((((
@1o &s ,1e C1a&rma! o4 ,1e Ce!,ra' Co!sumer ro,ec,&o!
Cou!c&'2
a( C1&e4 Jus,&ce o4 ,1e Supreme Cour,(
b( Ju*e o4 ,1e Supreme Cour, appo&!,e* b3 ,1e C1&e4
Jus,&ce o4 ,1e Supreme Cour,(
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