anyone selected in slot 2, how many questions did you attempt in gk, how much overall marks were you expecting?
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In
Total 3244!
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Please share your answers!!
Q.1 As Banker to Banks, the Reserve Bank focusses on:
1. Enabling smooth, swift and seamless clearing and settlement of inter-bank.
2. Providing an efficient means of funds transfer for banks.
3. Enabling banks to maintain their accounts with the Reserve Bank for statutory reserve
requirements and maintenance of transaction balances.
4. Acting as a lender of last resort.
A. Only 1, 2, 3
B. Only 2, 3, 4
C. Only 1, 2, 4
D. All
Q.2 The Reserve Bank also facilitates remittance of funds from a bank‟s surplus account at one location to its deficit account at another. Such transfers are electronically routed through a computerized system called _____.
A. e-Kuber
B. e-RBI
C. e-Payment
D. e-Transfer
Q.3 The Reserve Bank has the legal obligation to publish which of the following reports
every year?
1. Annual Report
2. Trend and Progress of Banking in India
3. Monetary Policy Report
4. Report on Foreign Exchange Reserves
A. Only 1 and 2
B. Only 2 and 3
C. Only 1, 2 and 3
D. All
Q.4 Identify correct differences between ATM and WLA (White Label ATM)?
1. In White Label ATM scenario, logo displayed on ATM machine and in ATM premises
pertains to WLA Operator instead of a bank. However, for a customer, using WLA is just like using the ATM of other bank (bank other than card issuing bank). 2. Acceptance of cash deposits at the WLAs is not permitted at present.
A. Only 1 Correct
B. Only 2 Correct
C. Both Correct
D. Both Incorrect
Q.5 Under the Bharat Bill Payment System, the applicant entity should have a net worth of at least Rs.___ crore as per the last audited balance sheet and the same has to be maintained at all times.
A. 100
B. 200
C. 500
D. 1000
Q.6 ________ developed the “Need Hierarchy Theory” to explain human
behaviour within an organization.
A. A.H.Maslow
B. Douglas Mc. Gregor
C. Herzberg
D. Rensis Likert
Q.7 Management according to _______ Approach is the study of practical experience of
Managers and hence such a study would provide a better understanding to the effective way of Managing an enterprise
A. Empirical
B. Management science
C. Contingency
D. Operational
Q.8 Koontz and O‟Donnel are advocates of ______ approach to management
A. Empirical
B. Management science
C. Contingency
D. Operational
Q.9 MBO stands for?
A. Management of Business Objectives
B. Management By Objectives
C. Managing Business Operations
D. None of these
Q.10The maxim Buy Low and Sell High is applicable for
A. Quotation of Pound-Sterling.
B. Indirect rates.
C. Direct rates.
D. US Dollars.
Q.11 For the purpose of translations, current rate refers to
A. The rate current at the time of transaction.
B. The rate prevailing on the date of the balance sheet.
C. The rate prevailing on the date of preparation of the balance sheet.
D. The spot rate
Q.12 The __________ is especially well suited to offer hedging protection against
transactions risk exposure.
A. forward market
B. spot market
C. transactions market
D. inflation-rate market
Q.13 If duties and authority are shown in the organizational structure of the enterprise, then it is called
A. Informal delegation
B. Formal delegation
C. Written delegation
D. None of these
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Q.14 Autocratic style of leadership is also known as
A. Authoritarian
B. Participative
C. Free rein
D. None of these
Q.15 ____________ involves collecting of information and providing feedback to employees
about their behaviour, communication styles and skills.
A. Assessment
B. Evaluation.
C. Estimation.
D. Data Collection
Q.16 Irredeemable bond is also known as
A. Fully convertible bond
B. Perpetual bond
C. Partially convertible bond
D. None of these
Q.17 When the risk perception is high, investor prefers to get the bond at
A. Higher rate
B. Reduced rate
C. Par rate
D. None of these
Q.18 Par value means
A. Value of the instrument traded in the market
B. Value of the instrument at the time of issue
C. Intrinsic value of the instrument
D. None of these
Q.19 Which of the following are advantages of Market based Financial System?
1. Provides attractive terms to both investors and borrowers.
2. Facilitates diversification
3. Allows risk sharing
4. Allows financing of new technologies
A. Only 1 and 2
B. Only 2, 3 and 4
C. Only 1, 3 and 4
D. All
Q.20 KPA stands for ___.
A. Key performance areas
B. Key perfect areas
C. Key position areas.
D. None of the above
Q21 Which of the following is not a Credit Rating Agency working in India?
1. CRISIL
2. ICRA
3. CARE
4. ONICRA
5. SMERA
Q.22 The money multiplier in an economy increases with which one of the following?
A. Increase in the CRR (Cash Reserve Ration)
B. Increase in the SLR (Statutory Liquidity Ratio)
C. Increase in the banking habit of the population
D. Increase in the population of the country
Q.23 ______ is a local currency account maintained in a local bank (e.g HDFC Bank) for a
foreign bank (e.g Standard Chartered Bank, New York).
A. VOSTRO Account
B. NOSTRO Account
C. LORO Account
D. MIRROR Account
Q.24 The concept of ______ is based on the common sense notion that a rupee paid to you in the future is less valuable than a rupee paid today.
A. Present Value
B. Future Value
C. Interest
D. Deflation
Q.25 Banks are required to maintain SLR as per
A. Section 42 of the Banking Regulation Act, 1949
B. Section 24 of the Banking Regulation Act, 1949
C. Section 21 of the Banking Regulation Act, 1949
D. Section 41 of the Banking Regulation Act, 1949
Q26.Trading on thin equity means
A.Restricted transactions on equity shares in stock exchange
B.Trading in equity shares of small face value.
C.Transaction between its company and its minority shareholders.
D. Trading exclusively in mutual funds and derivatives.
Q 27. In Union Budget 2016-17 the target of disbursement under MUDRA increased to .......crore
A. 1 Lakh
B. 1.5 Lakh
C. 1.8 Lakh
D. 2.2 Lakh
Q28. Swacch Bharat Abhiyan allocated Rs.........crores.
A. 10,000
B. 9500
C. 9000
D. 8500
Q29. In Union Budget 2016-17, Increase the turnover limit under Presumptive taxation
scheme under section 44AD of the Income Tax Act to ________crores to bring big relief to a
large number of assessee in the MSME category.
A.2
B.1.5
C.1.75
D.3
Q30. According to Union Budget 2016-2017, which of the following will be set setup by the
Finmin?
A. Financial Data Management Centre
B. Financial Data Monitoring Centre
C. Financial Data Monitoring Campaign
D. Financial Data Management Campaign
Q31. Monetary limit for deciding an appeal by a single member Bench of Income Tax
Appellate Tribunal (ITAT) enhanced from Rs. 15 lakhs to _________
A. Rs. 30 lakhs
B. Rs. 35 lakhs
C. Rs. 25 lakhs
D. Rs. 50 lakhs
Q32. As per the Union Budget 2016-17, the central government will introduce Direct Benefit
Transfer(DBT) on pilot basis for ________
A. Geological Materials
B. Fertilizer.
C. Medicine
D. None of the Above
Q33. An increase in cash reserve ratio will cause yield curve to
A)Shift downward
B)Remain unchanged
C)Become steeper
D)Become flatter
Q34. Futures are marked to market on
A)Daily basis and margin is adjusted.
B)Weekly basis.
C)Monthly basis.
D)None of above
Q35. Market Value of an asset is conceptually equal to
A) Present value of current and future cash flows from that asset and liability.
B) future value of current and future cash flows from that asset and liability.
C) None of above.
D)Present value of asset and future value of liability.
Q36. __________________ of a firm refers to the composition of its long-term funds and its
capital structure.
a) Capitalisation
b) Over-capitalisation
c) Under-capitalisation
d) Market capitalization
Q37. Current ratio is 2:5.Current liability is Rs.30000.The Net working capital is
a) Rs.18,000
b) Rs.45,000
c) Rs.(-) 45,000
d) Rs.(-)18000
Q38. What is the difference between the current ratio and the quick ratio?
A) The current ratio includes inventories and the quick ratio does not.
B) The current ratio does not include inventories and the quick ratio does.
C) The current ratio includes physical capital and the quick ratio does not.
D) The current ratio does not include physical capital and the quick ratio does.
Q39. ____________ and____________ carry a fixed rate of interest and are to be paid off
irrespective of the firm‟s revenues.
a) Debentures, Dividends
b) Debentures, Bonds
c) Dividends, Bonds
d) Dividends, Treasury notes
Q40. RBI has set up a committee to look at the various facets of household finance in India
and to benchmark India‟s position vis-à-vis both the peer countries and advanced countries.
This will be chaired by
A) Tarun Ramadorai
B) Urjit Patel
C) Nachiket Mor
D) Bimal Jalan
Q.41 What are the functions of Capital Market?
1. Mobilize Long Term savings to finance long term investments.
2. Provide risk capital in the form of equity or quasi equity to entrepreneurs
3. Lower the costs of transactions and information
A. Only 1 and 2
B. Only 2 and 3
C. Only 1 and 3
D. All
Q.42 What organizational development technique is a technique for assessing attitudes and
perceptions, identifying discrepancies in these, and resolving the differences by using survey
information in feedback groups?
A. Team building.
B. Intergroup development.
C. Survey feedback.
D. Sensitivity training.
Q. 43 To respond to its changing responsibilities, especially the need for more specialization,
the Reserve Bank created some new departments, merged others, and reorganized all into
which of the following clusters?
1. Monetary Policy and Research
2. Regulation and Risk Management
3. Supervision and Inclusion
4. Financial Markets and Infrastructure
5. Human Resources and Operations.
A. Only 1 and 2
B. Only 2, 3 and 5
C. Only 1, 3 and 4
D. All
Result Out
Q.44 Which of the following statements are correct regarding Small Industries Development
Bank of India (SIDBI)?
1. Small Industries Development Bank of India (SIDBI), set up on April 2, 1980 under an Act
of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and
Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-
ordination of the functions of the institutions engaged in similar activities.
2. Dr.Kshatrapati Shivaji is Chairman and Managing Director of Small Industries
Development Bank of India (SIDBI).
3. Head office of SIDBI is located at Lucknow, Uttar Pradesh.
A. Only 1
B. Only 1 and 3
C. Only 2 and 3
D. All
Q45. Under a “TOM Value” transaction(Means to "tomorrow next"), the rate is agreed today
but the settlement is to be done on:
A) Next working day
B) Same day
C) 3 Working days after the date of deal
D) 4 working days after the date of deal
Q.46 Which of the following statements are correct regarding National Housing Bank (NHB)?
1. National Housing Bank (NHB), a wholly owned subsidiary of Reserve Bank of India (RBI).
2. It was set up by an Act of Parliament in 1987. NHB is an apex financial institution for
housing. It commenced its operations in 9th July 1988.
3. NHB has been established with an objective to operate as a principal agency to promote
housing finance institutions both at local and regional levels and to provide financial and
other support incidental to such institutions and for matters connected therewith.
A. Only 1
B. Only 1 and 3
C. Only 2 and 3
D. All
Q 47. Reserve Bank of India calculates four components of money supply M1, M2, M3, M4.
Which one of the following is NOT correct?
A. M1 = currency with public + demand deposits with banks
B. M2 = M1 + post office savings deposit
C. M3 = M1 + M2
D. M4 = M3 + Total post office deposits
Q.48 Which of the following account for the limited nature of scope of monetary policy in
underdeveloped countries?
1. The money market is unorganized and hence the monetary management of the central
bank is not wide.
2. The government always resorts to deficit financial as their budgetary policy for
development.
3. Money supply consists mainly of currency in circulation but the bank deposits form only a
small portion of total money supply.
4. Change in the bank rate and other monetary initiatives remains ineffective because of
large non-monetized sector.
A. 1, 3 and 4
B. 1, 2 and 3
C. 1, 2 and 4
D. 2, 3 and 4
Q.49 Identify the Correct Statement(s) regarding FIF and FITF?
1. Govt. of India has merged the FIF and FITF to form a single Financial Inclusion Fund.
2. Govt. of India has merged the FIF and FITF to form a single Financial Inclusion
Technology Fund.
The corpus of earlier FIF and FITF was to be contributed by GOI, RBI and NABARD in
ration of ______.
3. 40:50:10
4. 20:20:60
5. 40:40:20
A. 1 and 3
B. 1 and 5
C. 2 and 4
D. 2 and 5
Q.50. Which one of the following is not a cause but a consequence of Globalisation?
A)Deregulation abroad
B)Integration of Markets
C)Technology and know-how
D)Greater institutionalization abroad
E)Greater Risk Exposure
Q.51. Identify the Correct distinction between primary and secondary market?
1. Primary market deals with existing securities whereas secondary market deals with new
securities.
2. Primary market provides additional capital to issuer companies where in secondary
market no additional capital generated. It provides liquidity to existing stock.
A. Only 1
B. Only 2
C. Both
D. Neither
Q52. Banks trading actively in the forex market and offering a variety of products usually
segregate their trading and dealing activities into three separate parts namely,
(1)Settlement, Reconciliation and Accounting Section, (2)Dealing Section and (3) Risk
Management, Accounting Policies and MIS section which are also known as:
A)Front Office (2) Back Office (3) Mid Office
B)Mid Office (2) Back Office (3) Front Office
C)Back Office (2) Mid Office (3) Front Office
D) Back Office (2) Front Office (3) Mid Office
Q53.Which of the following recommendation of 13th Finance Commission is/are correct?
1. The share of states in net proceeds of shareable central taxes shall be 42% every year for
the period of the award.
2. The indicative ceiling on overall transfers to states on revenue account may be set at
39.5% of gross revenue receipts of the centre.
A. Only 2
B. Only 1
C. Both
D. Neither
Q.54 13th finance commission recommended exemption under GST to which of the
following?
1. Unprocessed food items.
2. Public services provided by all govt. excluding railways, communications and public sector
enterprises.
3. Service transactions between an employer and employee.
4. Health and education services.
A. All
B. 1, 2, 3
C. 2, 3, 4
D. 2 and 4
Q.55.What are the benefits of GST?
1. It will boost up economic unification of India.
2. It will certainly reduce the tax burden for consumes.
3. It will increase tax collection due to wide coverage of goods and services.
A. 1 and 2
B. 2 and 3
C. All
D. 1 and 3
Q.56 Promoters of a company generally enter into an agreement with „underwriters‟, which is
known by the name of underwriting. What is underwriting?
A) Underwriting is the process by which the underwriters assist the promoters of a company
to list shares on the stock market
B) Underwriters undertake to maintain the price of share at the stock market at a minimum
prescribed rate
C) Underwriters enter into an agreement with company issuing shares to buy that part of
shares which are not subscribed to by the public thus reducing the risk of the promoters
D) Underwriters enter into an agreement with the company to buy shares of the company at
the specific price
Q57.CERSAI has been created under SARFAESI Act, to prevent frauds in loan cases
involving multiple lending from different banks on the same immovable property. What is the
full form of CERSAI?
A) Control Recovery of System Asset Reconstruction and Security Interest of India
B) Central Registry of Securitisation Asset Reconstruction and Security Interest of India
C) Computer Enabled Registration of Securitisation Asset Reconstruction and Security
Interest of India
D) Central Registry of Securitisation Asset Revised and Systematic Interest of India
Q58. Debt Equity Ratio is 3:1,the amount of total assets Rs.20 lac,current ratio is 1.5:1 and
owned funds Rs.3 lac. What is the amount of current asset?
A) Rs.5 lac
B) Rs.3 lac
C) Rs.12 lac
D) None of the above.
Q59. Financial leverage means
A) Use of more debt capital to increase profit
B) High degree of solvency
C) Low bank finance
D) None of the above
Q60. A bank suffers loss due to adverse market movement of a security. The security was
however held beyond the defeasance period. What is the type of the risk that the bank has
suffered ?
A)Market Risk
B)Operational Risk
C)Market Liquidation
D)RiskCredit Risk
(Q.61-65 ) CASE STUDIES
A company with equity of Rs.10 crore, earns PBIDT of Rs.30 crore. It incurs interest
cost of Rs.35 crore depreciation of Rs.5 crore and pays Rs.10 crore as tax. It has
reserve of Rs.30 crore (excluding current year‟s profits) and long terms debt of Rs.35
crore. It pays 50% dividends and transfer remaining profit to reserves. Its share of
Rs.10 face value is quoted at Rs.150/-
Find the following----
Q61. Earning per share
Q62. Book value of share
Q63. Return on Net worth
Q64. P/E ratio & Debt-equity ratio
Q65. Payout ratio
Q66. A branch sanctions Rs.1 core loan to a borrower, which of the following risks the
branch is taking
1) Liquidity risk
2) Interest rate risk
3) Market risk
4) Credit risk
5) Operational risk
(i) All of them
(ii) 1,2 and 3 only
(iii) 1,4 and 5 only
(iv) 1,2,4 and 5 only
Result Out Frnds
WHERE can I retrieve my roll no from? Is it the same as your registration no?