CORPORATE TRAINING & DEVELOPMENT INSTITUTE (CTDI), CHANDIGARH
RECOLLECTED Q’s OF PNB / CANARA
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
21)
22)
23)
In case Fixed Asset of Rs. 100 crores have been revalued as Rs. 300
crores, what is the eligible amount to be included in CET Tier I
capital:
What is the advantage to Banks for referring cases to Lok
Adalats:
In which type of charge neither possession nor ownership is
transferred to creditor ___________:
A Term deposit is opened with operating instructions, ‘Either or
Survivor’. One of the depositor request you for pre-mature
encashment. You will take the discharge on TDR from:
In the case of a fixed deposit in the name of an individual, in
which nomination has been made, can the nominee renew the
FDR in his name before maturity of term deposit:
When can an agreement made by a Minor for raising a loan be
valid or ratified:
In case of Consortium and Multiple Banking Arrangement, within
how many days after classifying an account as Red Flagged
Account, the individual bank has to ask the leader of consortium or
the largest lender under Multiple Banking Arrangement, to convene
a meeting to discuss the issue:
Under Copra, maximum time limit for an appeal in the State
Commission against District Forum is ____:
DICGC scheme covers maximum liability of ________:
Can Bank exercise right of Set-off in respect of Contingent
Liabilities ________:
The Exchange Rate of 1 US $ increased from Rs.70/- to Rs.
71/-. It will benefit the ________:
If a Sole-trustee dies, the Trust will be managed by ______ :
Pre-paid expenses in the shape of insurance premium are
classified in the balance sheet as ________:
To ensure prompt payment of locker rent, banks to obtain at the
time of allotment of locker, fixed deposit which would cover
________ years rent and charges for breaking opening of locker:
If Foreign Currency position is oversold and currency is
appreciating the bank will gain or lose:
CGTMSE guarantee cover @ ___ % of amount in default with
maximum upto Rs. 50 lacs is available for loans availed by MSE
Retail Traders upto Rs. ____ lakh:
Lenders shall report credit information, including classification
of an account as SMA to Central Repository of Information on
Large Credits (CRILC) on all borrower entities having aggregate
exposure of Rs. ______ crore and above with them on a monthly
basis effective April 1, 2018:
The objective of ALM is to maximise:
In Flying Club a/c, cheque signed by the Secretary is received
after his death. Whether it is payable:
The bill is dated 15-03-19 and the date of acceptance is 20-03-19.
The bill was returned unpaid on 25-03-19. The limitation period is
up to ________ :
A crossed Demand Draft paid in cash by a bank to a known
customer. The Risk inherent is:
The Net Worth of a firm does not include: a) Paid up capital.
b) Free Reserve. c) Share Premium. d) Equity received from
Foreign Investor e) Revaluation reserves:
A loan account was rescheduled / restructured. The first
instalment was due on 31-12-2018 and payment was promptly
made on 30-12-2018 and thereafter the account was regular. The
24)
25)
26)
27)
28)
29)
30)
31)
32)
33)
34)
35)
36)
37)
38)
39)
40)
41)
42)
43)
account can be upgraded and treated as Standard Asset from
what date:
For handling of NPA accounts, which of the following was
formed first : a) DRT b) Lok Adalat c) Sarfaesi d) CDR :
Which of the following relationship is incorrect in case of Locker
facility: a) Lessor- Lessee b) Landlord-Tenant
c) BailorBailee d) Licensor- Licencee :
Under Priority Sector targets, Weaker Section target
is________% of total Priority Sector:
IMPS limit increased from 50,000/- to :
Revaluation reserve is classified in ________ capital for CAR
purpose. _______ % is taken at the discount rate is ________:
Signature on Nomination form is to be attested by: a) one
witness b) two witness c) Not required:
As per CAR guidelines, for Home loan account upto Rs 30 lac
with LTV ≤ 80%, the Risk Weight is _______:
Clayton’s Rule applies to_______:
Financing of domestic receivables without recourse to Seller is
known as ______ and Export receivables as ________:
Section _______ Banking Regulation Act 1949, deals with return
of paid instruments to account holders:
Power of Attorney executed abroad must be stamped within
___________ of its receipt in India:
The maximum extent of FDI in Public Sector Banks is_____%
and Foreign and Private Sector Banks is ____:
The Balance sheet of a firm shows that total Current Assets of
Rs. 20 lac, and Current Asset other than stocks Rs. 8 lac. If the
Sales are Rs. 120 lac. What is the Stock Turnover ratio:
The revised SME rehabilitation framework is applicable
upto how much exposure:
As per RBI revised guidelines regarding delivery of bank credit
borrowers having aggregate fund based working capital limit of
Rs._______ million, drawings up to 40% of the total fund based
working capital limits shall only be allowed from the ‘loan
component’:
Bearer Demand Draft, Promissory Note and Bill of Exchange
cannot be issued by Commercial Banks under Sec _____:
Section 22 of the N.I. Act provides for a grace period of 3 days to
be added for arriving at the due date for _______:
In the Joint account, with operational mandate of ‘either or
survivor,’ Income Tax Attachment Order received in the name of
one of the account holder will _________:
Claused Bill of Lading indicates _____________:
A Resident Indian can obtain foreign currency for small value
remittance on the basis of self declaration without any
documentary evidence / A2 Form upto US$ ______ :
While doing Project Appraisal, sensitivity analysis is useful for:
44)
45) Resident Foreign Currency (RFC) account can be opened by
_______, subject to the condition that he was NRI for minimum
______ years:
46) Basic Travel Quota (BTQ) for a resident Indian Tourist going
abroad is US $_________. Out of the same cash in foreign
currency can be ________:
47) Net working capital of a firm is Rs. 200 and its current ratio 1.5:1.
What is amount of Current assets and Current liabilities:
48) Book Debts are charged by way of ___________ and LIC policy is
charged by way of ________:
49) The creation of charge with ROC has to be registered within
_________ days as per Co’s Act 2013:
CTDI, SCO 91, (1st & 2nd FLOOR), SECTOR 47-D, CHANDIGARH, Mob: 9041086057, 9041071058
JAN 2020
1
CORPORATE TRAINING & DEVELOPMENT INSTITUTE (CTDI), CHANDIGARH
50) Projected Turnover method as given by the Nayak Committee is
for SSI units with working capital (WCFB) sanctioned limits upto
Rs _______, and non-SSI limits upto_________:
51) Transferable L/C can be transferred in ________ but only _____:
52) Letter of Administration is issued by the court if ________:
53) Under Credit Guarantee Fund for Micro Small Enterprises
(CGTMSE) of SIDBI, SSI units sanctioned credit facilities upto
_____ is covered.
54) Data on Counterfeit Notes detected by all the branches of the bank
shall be reported to the Issue Office of RBI so as to reach them by
___ of the next month.
55) Right of Subrogation is _______:
56) In computers, Booting’ refers to ________:
57) In case of wrongful dishonour of cheque by bank, the bank is
liable only to _______:
58) The following are the figures of the company ABC Ltd. Profit
Before Tax = Rs. 75. Income Tax = Rs. 30. Interest on Term Loan
= Rs. 15. Interest on WCL = Rs. 8. Term loan Instalment = Rs. 25.
Depreciation = Rs. 25. The DSCR in the above case will be:
59) Guarantee which covers series of transactions is known as
________:
60) Under Copra, District Forum can entertain claims upto________:
61) What is the limitation period under Sec 138 of N.I. Act in case of
Cheque return for insufficient balance:
62) Garnishee Order cannot attach un-drawn portion in a ________:
63) Banks are required to lend to agriculture at least _______:
64) If the operating instruction in a fixed deposit is ‘Either or
Survivor’ and one of the depositors expires before the maturity,
pre-payment of the fixed deposit can be allowed with the
consent of:
65) Accrual concept means:
66) Under PMJDY, the free accident insurance cover for those
opening Jan Dhan accounts after Aug. 28, 2018 too has been
doubled to Rs. ______:
67) The period within which exports proceeds in respect of exports
made by units in SEZs should be realized _______ :
68) Official Language Implementation Committee (OLIC) meeting is
held _________:
69) An NPA account is classified as doubtful if it has remained Sub
Standard for __________:
70) Forward transactions refers to_________:
71) If a bank cannot sue legally on account of documents being
unstamped, it faces __________:
72) Bank is selling third party products. What type of Risk is
involved in this: a) Liquidity risk b) Financial risk c) Reputation
risk
d) Settlement risk e) Operational Risk:
73) For Medium Mfg Enterprises, the investment criteria in P&M is
________ and in terms of Turnover it is _________:
74) Under LRS, resident individuals can remit up to US$ ________
per financial year and covers both ________ transactions.
Further ECB forms part of ______ transaction:
75) Statutory Liquidity Ratio (SLR) has been reduced to _______ % of
net demand and time liabilities of banks.
76) Alternative name for Repo is:
77) In case of Usance bills the entire responsibility of the drawer is
_________ if the bill is not accepted by the drawee:
78) Statutory Reserves and disclosed reserves are part of _____
capital as per Capital Adequacy norms:
79) As per revised guidelines, no collateral security / margin is
insisted for Agricultural Loans upto __________:
80) Interbank rate is USD 1= Rs. 70.60/70.65. Importers want to make
his payment for US $ 50,000. If the bank charges margin of 5
paisa as margin, then the customer has to pay:
81) Hypothecation has been defined in ______ and nature of charge
in case of hypothecation is ______:
82) Under the Senior Citizen's Savings Scheme 2004, the rate of
interest payable is ______:
83) The Risk weight for Consumer Finance is ____& Credit card is:
84) In Education loan, no collateral security is to be obtained for
loan upto Rs. ______:
85) A/c Payee crossing is covered under Section ______ and it is a
direction to ________:
86) Garnishee Order applies wherever Banker-Customer relationship
__________:
87) What is the summary of the recent decision of Supreme Court in
the matter of M/s Transcore Vs. Union of India & others, as
regards SARFAESI action and DRT proceedings:
88) In case of dishonour of cheque due to insufficiency of fund, the
punishment under Sec 138 of N.I. Act is ___________under
regular proceedings:
89) As per Supreme Court’s judgement, HUF cannot become a
partner in a partnership. Why?
90) The rate of interest equalisation available to MSME on PreShipment Rupee Export Credit and Post-Shipment Rupee Export
Credit is
% per annum:
91) Banks to ensure that dishonored instruments are returned
promptly within maximum ______ hours:
92) If the complaints are redressed within ________, banks need not
include the same in statement of complaint:
93) If a sole rural branch is to be shifted by a bank within the same
block, the permission of is required from:
94) As per RBI guidelines, loans to priority sector target for Regional
Rural Banks w.e.f 1.1.2016 is :
95) Who are eligible for preferential rate of interest under NRE
deposits: a) Staff b) Senior citizen c) Staff cum Senior Citizen
d) None of these:
96) What is Mixed farming: a) Cultivating 2 crops simultaneously b)
Cultivating in 2 types of soils c) Cultivating crops and Allied
Activities d) Cultivating 2 crops in a year:
97) Who is not eligible for Internet Banking: a) Joint account
operation severally b) Minor account operated by Guardian c)
Illiterate
98) Out of the following instruments, which one is eligible for
including under Tier I Capital: a) Perpetual Non-Cumulative
Preference Shares b) Cumulative Perpetual Preference shares
c) Redeemable cumulative Preference shares d) Redeemable
non-cumulative Preference shares:
99) Complaint under Banking Ombudsman cannot be made under
the following situations: (a) Where limitation has expired under
Limitation Act 1963; (b) Where the issue has already been
settled by Ombudsman; (c) Where an issue has been settled by
passing a decree or award or pending in a court/tribunal. d)
Complaints represented by Advocate e) All the above :
100) As per RBI guidelines, banks, FIs and State financial
corporations are to report to CIBIL Suit- filed accounts of Rs
_________ and
above, and Suit- filed accounts (wilful
defaulters) of Rs. ______ and above. The accounts above the
ceilings should continue to be reported to RBI:
CTDI, SCO 91, (1st & 2nd FLOOR), SECTOR 47-D, CHANDIGARH, Mob: 9041086057, 9041071058
JAN 2020
2