1. The ultimate controller of rules of bankdeposits is .........1) SBI 2) Finance Secretary3) Ministry of Finance4) Controller of Deposits 5) RBI

2. Important two streams of bank deposits inIndia ........1) Functional deposit and Demand deposit2) Low demand deposit and Demand

deposit3) Term deposit and Flexi deposit4) Term deposit and Demand deposit5) None

3. In the term deposit, two important types ofbank accounts are .........1) Savings account and Fixed deposit2) Fixed deposit and Current account3) Savings deposit and Current account4) Fixed deposit and Recurring deposit5) None of above

4. The highlight of Term Deposit is ........1) Deposit accepted for fixed term2) Cumulative rate of interest option 3) No instinct to spend4) Loan options available5) All of above

5. Which among the following accounts fetchthe highest rate of interest?1) Savings deposits 2) Recurring deposits3) Fixed deposits4) Current account deposits5) All of above

6. Which of the following option not available infixed deposits?1) Cheque facility 2) ATM card3) Withdrawal form facility4) Online fund transfer 5) All of above

7. Usually the banks in our country, declare theadditional rate of interest to ....... on fixeddeposits.1) Senior citizens 2) Political parties3) Educated people 4) Government officials 5) Defaulter of loans

8. Whether joint account can be opened in thefixed deposit?1) No2) Yes, but one of the joint account holders

must not be bank employee.3) Yes4) Yes, but the joint account holders must

declare they are not having joint accountin the different bank.

5) Yes, but the joint account holders mustget permission from RBI.

9. Banks are not permitted to pay commissionto employees/ firms/ organizations tomobilize deposits. However banks can paycommission to mobilize deposits to whom asper the present rules of RBI?1) Non-Governmental Organisations (NGOs)2) Self Help Groups (SHGs)3) Micro Finance Institutions (MFIs)4) Civil Society Organisations (CSOs)5) All of above

10. Banks allow the prematurity of fixeddeposits. Then they usually collect penalrate of interest on .......... for the prematurewithdrawal of fixed deposits.1) Principal 2) Rate of interest

3) Minimum deposit amount4) Maturity amount 5) All of above

11. On 24 January 2013, the RBI revisedpremature deposit rules of ..........1) Small savings accounts2) Small value fixed deposit accounts3) Big size savings accounts4) Dollar savings accounts5) Large value fixed deposit accounts

12. The new rules of large value fixed depositaccounts include ..........1) Bank can fix the differential interest rates

on large size term deposits.2) Here large value fixed deposit means

above 1 crore.3) For the large value fixed

deposits banks shoulddiscourage the pre-maturewithdrawals.

4) 1 & 2 only 5) All of above13. Fixed deposits can have ...........

1) Nomination facility2) Nomination facility with the

permission of Bank Chairman3) Nomination facility by taking special per-

mission from bank4) Nomination facility on the day of closing5) Nomination facility with the permission of

person who introduced him to openaccount

14. Some time banks offer special termdeposits with Lock-in-period. Lock-in-periodmeans .......1) Locker provided under this deposit2) Locker facility denied3) During this period, the deposit holder

cannot open another account4) During this period, banks do not allow the

prematurity 5) None of above

15. In the tax saver fixed deposit accounts, thedeposit holder saving which tax?1) Sales Tax 2) VAT 3) Excise Duty4) Income Tax 5) Property Tax

16. Whether a customer can opt premature ofhis fixed deposit and deposit the sameamount in Savings Account?1) No, because one cannot cancel the fixed

deposit and move the same amount intosavings account

2) Yes, but he has to penalty for pre maturi-ty of deposit and also pay penalty todeposit in savings account

3) Yes, as he is free to use that amount inany way

4) No, as one cannot do both fixed depositand savings deposit transactions in a day

5) None of above 17. A deposit account which enables a deposi-

tor particularly in fixed income group tosave by paying into the account an agreedfixed sum of money monthly over a stipulat-ed period is called .........1) Recurring Deposit 2) Fixed Deposit3) Minor Account 4) Savings Account5) Corporate Account

18. NBFC (Non-Banking Finance Company)allowed to accept / renew public depositsfor a minimum period of 12 months andmaximum period of .........1) 10 months 2) 20 months 3) 30 months4) 60 months 5) 80 months

19. NBFCs cannot offer interest rates higherthan the ceiling rate prescribed by RBI fromtime to time. As per the present rules, thepresent ceiling is .........1) 7.5 percent per annum2) 10.5 percent per annum3) 24.0 percent per annum4) 12.5 percent per annum5) 16.5 percent per annum

20. On 21 August 2014, RBI in its annual reportsaid that its surplus (profit ) for the financialyear 2013-14 come down to ......... percent

to Rs.52,679 crore as its interestincome from investments in foreignsovereign bonds declined.1) 12.25% 2) 7.5% 3) 18.5%4) 20.5% 5) 14.75%21. On 18 July 2014, Reserve Bank

of India (RBI) has allowed rais-ing foreign investment limitunder portfolio investment inKotak Mahindra Bank to .........

1) 74% 2) 51% 3) 70% 4) 100% 5) 40%

22. Nick Clegg and Arun Jaitley discussed var-ious matters of mutual interest, includingthe retrospective tax amendment issue on25 August 2014. Nick Clegg is the .........1) Vice - president of USA2) President of France3) Director General, WTO4) UK Deputy Prime Minister 5) None

23. A scientific way of measuring, monitoringand managing the various risks that banksor financial institutions are exposed duringthe course of their operations is called ........1) Asset Liability Management2) Public Rating 3) Asset Securitisation4) Asset Classification5) Liability Classification

24. CONCOR was granted the Navarathna sta-tus on 23 July 2014 by the Department ofPublic Enterprises under Union Ministry ofHeavy Industries and Public Enterprises.CONCOR stands for ..........1) Charcoal Corporation of India Limited2) Coal Corporation of India Limited3) Container Corporation of India Limited4) Cement Corporation of India Limited5) None

25. Who is the minister for Ministry of HeavyIndustries and Public Enterprises?1) Ananth Kumar 2) Narendra Singh Tomar3) Anant Geete 4) Jual Oram 5) None

26. CONCOR was incorporated in March 1988,commenced the operations from .........1) 1991 2) 1992 3) 19894) 2000 5) None

27. Present Chairman and MD of CONCOR?1) Anil Kumar Gupta 2) Rajiv Rudi3) V. Verma 4) Cyrus Mystry5) None of above

28. CONCOR registered office located at .........1) Hyderabad 2) Pune 3) New Delhi4) Bangalore 5) None

29. SEBI issued draft regulations for infrastruc-ture investment trusts. As per it the trustscan raise money either through a public

issue or a private placement, with a mini-mum issue size of .........1) Rs.50 crore 2) Rs.100 crore 3) Rs.300 crore 4) Rs. 250 crore 5) None

30. On 15 July, 2014 SEBI barred B RamalingaRaju, the founder of Satyam Computersfrom accessing the capital markets for ........1) 10 years 2) 18 years 3) 7 years4) 5 years 5) 14 years

31. Who was appointed as Chairman of PublicAccounts Committee (PAC) on 20 August2014?1) Mallikarjun Kharge 2) Rahul Gandhi3) K.V. Thomas 4) Thambidurai5) None

32. New Chairman of Central Board of DirectTaxes (CBDT) is .........1) Rana Kapoor 2) Sidharth Birla3) Ajay S. Shriram 4) K V Chowdary5) R Chandrasekaran

33. Granville Austin recently died. He is a .........1) Famous biologist2) Notable Indian Constitution expert3) Nobel laureate 4) Cosmologist 5) None

34. 'The Indian Constitution: Cornerstone of aNation' written by .........1) F. Nariman 2) R.M. Lodha 3) Ram Jethmalani4) Markandey Katju 5) Granville Austin

35. World-renowned yoga guru BellurKrishnamachar Sundararaja Iyengar diedon 20 August 2014. He born in .........1) Tamilnadu 2) AP 3) Karnataka4) Bihar 5) Rajasthan

A. Veera Swamy

Which of the following is not an award given in the field ofsports in India?1) Dronacharya Award 2) Arjuna Award 3) Moorti Devi Award 4) Rajiv Gandhi Khel Ratna5) Dhyan Chand Award

Ans: 3General Awareness

The highlight of Term Deposit is ..

1-52-43-44-55-36-57-18-3

9-210-211-512-513-114-415-416-3

17-118-419-420-521-522-423-124-3

25-326-327-128-329-430-531-332-4

33-234-535-3.

Answers

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