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983121983150

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2 983113983156 983145983155 983156983144983141 983149983151983150983141983161 983158983137983148983157983141 983151983142 983137 983152983154983151983140983157983139983156 983151983154 983137 983155983141983154983158983145983139983141 983119983154

3 Price is the amount of which is needed or paid to acquire a product Or 4 Price is the exchange value of product expressed in terms of money

Or any other

1

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4 983109983160983152983137983150983140 A983108983122

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983116983124983108

983119983154 983137983150983161 983151983156983144983141983154( 983137983150983161 983151983150983141)

1

6 Give the meaning of Service SectorService Sector refers to a number of activities which help or support the TradeWhich includes Transportation Banking Advertising Insurance Warehousing

Or any other

1

7 List one type of Bank Account1 Current Account 2 Savings Bank Account3 Fixed Deposit Account 4 Cumulative Deposit Account

(any one)

1

8 What is Re- Insurance It is an arrangement under which an insurer re-insures the part or entire policywith another insurer under an agreement where the risk to be covered representshuge amount

1

9 State one career opportunity in TransportManagers Clerks Drivers Conductors Mechanics Commercial Pilots

Airhostess station masters service engineers Railway police Booking AgentsOwners of Transport Service (or any other)

1

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10 Expand B2BBusiness to Business 1

Section-B11 What is Construction Industry

Industries concerned with creation of infrastructure for economic development ofthe country They are engaged in construction of buildings roads dams bridgesrailway tracks etc

2

12 What is Marketing Mix Marketing mix is the combination of four components of marketing namelyproduct price promotion and place into a marketing programThe basic objective of marketing mix is to satisfy the wants of customers mosteconomically and efficiently

2

13 State two demerits of Advertisement

a It leads to monopoly

b It induces people to buy unwanted productc It increases the price of the goodsd It is a waste if ignored by the people

Or any other ( any two)

29831601=2

14 What are Mutual Funds Mutual Fund is a fund sponsored by an institution collects the savings of the publicby selling unit of definite value and invest such amount in diversified portfolios ofsecurities and provide fair return on investment

2

15 State two importance of Capital Marketa mobilises of fundsb profitable investment c high rate of return

d economic development e ensures stability of prices of securities

f co-ordination in flow of funds

g provide market and liquidity to securities h provide long term finance

i helps industrial research

Or any other

29831601=2

16 What is Tele-Banking

Provision of certain banking services (such as account balance inquiry fundstransfer and payment of bills) through telephone

Or

A system in which customers can access their accounts and a variety of banking

services up to 24 hours a day by telephone

Or any other

2

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17 State two Principles of Insurance

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983138 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983155983157983154983137983138983148983141 983113983150983156983141983154983141983155983156

983139 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983140983141983149983150983145983156983161

983140 983120983154983145983150983139983145983152983148983141 983151983142 983107983151983150983156983154983145983138983157983156983145983151983150 983137983150983140 983108983151983157983138983148983141 983113983150983155983157983154983137983150983139983141

983141 983120983154983145983150983139983145983152983148983141 983151983142 983123983157983138983154983151983143983137983156983145983151983150983142 983120983154983145983150983139983145983152983148983141 983151983142 983117983145983156983145983143983137983156983145983151983150 983151983142 983148983151983155983155

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983144 983120983154983145983150983139983145983152983148983141 983151983142 983122983141983085983113983150983155983157983154983137983150983139983141

or any other

29831601=2

18 Mention two disadvantages of Air Transport1 Costliest form of Transport2 Very risky3 Not suitable to carry Bulky goods4 Not suitable for short distance5 Affected by bad weather

6 Requires permission7 Limited carrying capacity

983119983154 983137983150983161 983151983156983144983141983154

29831601=2

19 What are Bonded Warehouses Bonded warehouses are used to store imported goods for which import duty is yetto be paid the importer can pay the duty and take delivery of the goods at hisconvenience

2

20 State two responsibilities of Business towards Employeesa Good working conditions

b Ensure Job securityc Fair remuneration

d No discriminationf Opportunities for growth and developmentg Welfare facilities

h Protection from hazardsk Humane treatment j Good relationsI Recognise rights of worker and unions

any other

29831601=2

21 State any two rights of Consumers(a) Right to Safety

(b) Right to be Informed(c) Right to Choose(d) Right to be Heard(e) Right to Seek Redressal

g) Right to healthy environment(f) Right to Consumer Education

Or any other

29831601=2

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22 Define Accounting PackageAccounting packages are application softwares developed to find solutions tomany accounting problems

Or any other

2

Section-C

23 Explain five principles of Plant Layout

1 Principle of minimum movement The movement of workers and materialsbetween the production process should be minimum2 Principle of sequence The machines and other physical facilities should be

arranged in the factory building in order in which they are used for production3 Principle of usage The floor space in factory building should be utilised

efficiently4 Principle of safety The plant layout should provide maximum safety to workers

materials and other assets5 Principle of flexibility Plant layout should be flexible enough to provide for

future expansion without much difficulty6 Principle of satisfaction The workers should be provided with better working

conditionsbetter work environment to work7 Principle of minimum investment The investment in assest of the company

should be as far as possible should be minimum

59831601=5

24 Explain five qualities of a good Advertisement Copy1 Attention Value The advertisement copy should draw the attention of the people

which can be done by using attractive pictures colors etc2 Suggestive Value The advertisement copy must suggest the uses of the product3 Convincing Value An advertisement copy should convince the customers by

giving the facts about the product4 Remembrance Value An advertisement copy should remind the customer about

the product again and again for purchasing the product5 Educative Value It must educate the people how to use the product6 Sentimental Value Advertisement should make the customers to buy the product

by awakening interest

7 Simplicity It should be very simple Both the literates and illiterates should beable to understand the message given by the advertisement copy

59831601=5

25 Explain five demerits of Foreign Trade1 DEPENDENCE Too much dependence on foreign countries for even essential

goods may be danger during times of war and natural calamities

2 EXHAUSION OF NATURAL RESOURCES For earning more foreign exchangeexhaust natural resources before time

3 DISTRUCTION OF OTHER SECTORS Foreign trade makes production of onlygoods which can be exported resulting in neglect of other industries and other

sectors like agriculture

4 FOREIGN COMPETITION Due to the competition in the market because offoreign goods domestic industries may loose its existence

5 IMPORT OF HARMFUL GOODS Because of foreign trade countries are preparedto import the goods which are harmful to the human beings

( or any other)

59831601=5

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26 Explain five types of Debentures1 REGISTRED DEBENTURES These are the debentures the names of the holders

will appear in the register of debentures maintained by the company The paymentof dividend and repayment of money will be made to the persons whose namesappear in the debenture register

2 BEARERS DEBENTURES These debentures in respect of which the names ofthe holders are not recorded in the debenture register

3 SECURED DEBENTURES These debentures are secured by some charge onthe assets of the company The charge may be fixed or floating charge

4 UNSECURED DEBENTURES These are the debentures which are not securedby any charge on the assets of the company 5 CONVERTIBLE DEBENTURES These debentures can converted into equity

shares according the terms of the issue of shares6 NON-CONVERTIBLE Debentures These Debentures cannot be converted into

equity shares according to the conditions of the issue of shares 7 REDEEMABLE PREFERENCE SHARES These are the debentures which are

repaid after the expiry of the certain period by the company

8 IRREDEEMABLE PREFERENCE SHARES These are the debentures which arenot repayable during the life time by the company Generally they are repaid atthe time of winding up of company

59831601=5

27 Explain five types of Marine Insurance Policies

1 Valued Policy Under this policy the value of the subject matter is statedand agreed upon at the time of taking out the policy

2 Unvalued Policy Under this type of policy the value of the subject matteris not mentioned at the time of taking out the policy but it is determinedsubsequently at the time of occurrence of loss

3 Time Policy It is a policy where insurance is made for a specified period oftime usually not exceeding one year

4 Voyage Policy This Policy covers the subject matter for a particularvoyage irrespective of the time taken for a voyage

5 Mixed Policy It is a policy under which insurance contract is made for acertain period and for a certain voyage

6 Floating Policy Under this policy only a round sum is insured and nomention is made about the ship or cargo When a shipment is made theinsured make a declaration about the value of the shipment and the totalvalue of the policy is reduced by that amount

7 Fleet Policy under this policy several ships belonging to a single ownerare insured under the same policy

8 Wager PolicyHonour Policy It is a policy held by a person who has noinsurable interest in the subject matter It is not enforceable by law but suchpolicies can be issued under marine insurance

59831601=5

28 State five social responsibilities of Business towards consumersa Supply of required goodsThe business should produce and supply the goods which are required by theconsumersb Better quality goodsThe Business should provide better quality goods to the consumersc Regular supply

The business should ensure regular and un-interrupted supply of goods Itensures uniform prices and avoids price fluctuations

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d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

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1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

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2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

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3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

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4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

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5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

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6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

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7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

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9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

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983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

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983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

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10 Expand B2BBusiness to Business 1

Section-B11 What is Construction Industry

Industries concerned with creation of infrastructure for economic development ofthe country They are engaged in construction of buildings roads dams bridgesrailway tracks etc

2

12 What is Marketing Mix Marketing mix is the combination of four components of marketing namelyproduct price promotion and place into a marketing programThe basic objective of marketing mix is to satisfy the wants of customers mosteconomically and efficiently

2

13 State two demerits of Advertisement

a It leads to monopoly

b It induces people to buy unwanted productc It increases the price of the goodsd It is a waste if ignored by the people

Or any other ( any two)

29831601=2

14 What are Mutual Funds Mutual Fund is a fund sponsored by an institution collects the savings of the publicby selling unit of definite value and invest such amount in diversified portfolios ofsecurities and provide fair return on investment

2

15 State two importance of Capital Marketa mobilises of fundsb profitable investment c high rate of return

d economic development e ensures stability of prices of securities

f co-ordination in flow of funds

g provide market and liquidity to securities h provide long term finance

i helps industrial research

Or any other

29831601=2

16 What is Tele-Banking

Provision of certain banking services (such as account balance inquiry fundstransfer and payment of bills) through telephone

Or

A system in which customers can access their accounts and a variety of banking

services up to 24 hours a day by telephone

Or any other

2

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17 State two Principles of Insurance

983137 983120983154983145983150983139983145983152983148983141 983151983142 983125983156983149983151983155983156 983111983151983151983140 983110983137983145983156983144

983138 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983155983157983154983137983138983148983141 983113983150983156983141983154983141983155983156

983139 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983140983141983149983150983145983156983161

983140 983120983154983145983150983139983145983152983148983141 983151983142 983107983151983150983156983154983145983138983157983156983145983151983150 983137983150983140 983108983151983157983138983148983141 983113983150983155983157983154983137983150983139983141

983141 983120983154983145983150983139983145983152983148983141 983151983142 983123983157983138983154983151983143983137983156983145983151983150983142 983120983154983145983150983139983145983152983148983141 983151983142 983117983145983156983145983143983137983156983145983151983150 983151983142 983148983151983155983155

983143 983120983154983145983150983139983145983152983148983141 983151983142 983107983137983157983155983137983085983152983154983151983160983145983149983137 (983150983141983137983154983141983155983156 983139983137983157983155983141)

983144 983120983154983145983150983139983145983152983148983141 983151983142 983122983141983085983113983150983155983157983154983137983150983139983141

or any other

29831601=2

18 Mention two disadvantages of Air Transport1 Costliest form of Transport2 Very risky3 Not suitable to carry Bulky goods4 Not suitable for short distance5 Affected by bad weather

6 Requires permission7 Limited carrying capacity

983119983154 983137983150983161 983151983156983144983141983154

29831601=2

19 What are Bonded Warehouses Bonded warehouses are used to store imported goods for which import duty is yetto be paid the importer can pay the duty and take delivery of the goods at hisconvenience

2

20 State two responsibilities of Business towards Employeesa Good working conditions

b Ensure Job securityc Fair remuneration

d No discriminationf Opportunities for growth and developmentg Welfare facilities

h Protection from hazardsk Humane treatment j Good relationsI Recognise rights of worker and unions

any other

29831601=2

21 State any two rights of Consumers(a) Right to Safety

(b) Right to be Informed(c) Right to Choose(d) Right to be Heard(e) Right to Seek Redressal

g) Right to healthy environment(f) Right to Consumer Education

Or any other

29831601=2

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22 Define Accounting PackageAccounting packages are application softwares developed to find solutions tomany accounting problems

Or any other

2

Section-C

23 Explain five principles of Plant Layout

1 Principle of minimum movement The movement of workers and materialsbetween the production process should be minimum2 Principle of sequence The machines and other physical facilities should be

arranged in the factory building in order in which they are used for production3 Principle of usage The floor space in factory building should be utilised

efficiently4 Principle of safety The plant layout should provide maximum safety to workers

materials and other assets5 Principle of flexibility Plant layout should be flexible enough to provide for

future expansion without much difficulty6 Principle of satisfaction The workers should be provided with better working

conditionsbetter work environment to work7 Principle of minimum investment The investment in assest of the company

should be as far as possible should be minimum

59831601=5

24 Explain five qualities of a good Advertisement Copy1 Attention Value The advertisement copy should draw the attention of the people

which can be done by using attractive pictures colors etc2 Suggestive Value The advertisement copy must suggest the uses of the product3 Convincing Value An advertisement copy should convince the customers by

giving the facts about the product4 Remembrance Value An advertisement copy should remind the customer about

the product again and again for purchasing the product5 Educative Value It must educate the people how to use the product6 Sentimental Value Advertisement should make the customers to buy the product

by awakening interest

7 Simplicity It should be very simple Both the literates and illiterates should beable to understand the message given by the advertisement copy

59831601=5

25 Explain five demerits of Foreign Trade1 DEPENDENCE Too much dependence on foreign countries for even essential

goods may be danger during times of war and natural calamities

2 EXHAUSION OF NATURAL RESOURCES For earning more foreign exchangeexhaust natural resources before time

3 DISTRUCTION OF OTHER SECTORS Foreign trade makes production of onlygoods which can be exported resulting in neglect of other industries and other

sectors like agriculture

4 FOREIGN COMPETITION Due to the competition in the market because offoreign goods domestic industries may loose its existence

5 IMPORT OF HARMFUL GOODS Because of foreign trade countries are preparedto import the goods which are harmful to the human beings

( or any other)

59831601=5

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26 Explain five types of Debentures1 REGISTRED DEBENTURES These are the debentures the names of the holders

will appear in the register of debentures maintained by the company The paymentof dividend and repayment of money will be made to the persons whose namesappear in the debenture register

2 BEARERS DEBENTURES These debentures in respect of which the names ofthe holders are not recorded in the debenture register

3 SECURED DEBENTURES These debentures are secured by some charge onthe assets of the company The charge may be fixed or floating charge

4 UNSECURED DEBENTURES These are the debentures which are not securedby any charge on the assets of the company 5 CONVERTIBLE DEBENTURES These debentures can converted into equity

shares according the terms of the issue of shares6 NON-CONVERTIBLE Debentures These Debentures cannot be converted into

equity shares according to the conditions of the issue of shares 7 REDEEMABLE PREFERENCE SHARES These are the debentures which are

repaid after the expiry of the certain period by the company

8 IRREDEEMABLE PREFERENCE SHARES These are the debentures which arenot repayable during the life time by the company Generally they are repaid atthe time of winding up of company

59831601=5

27 Explain five types of Marine Insurance Policies

1 Valued Policy Under this policy the value of the subject matter is statedand agreed upon at the time of taking out the policy

2 Unvalued Policy Under this type of policy the value of the subject matteris not mentioned at the time of taking out the policy but it is determinedsubsequently at the time of occurrence of loss

3 Time Policy It is a policy where insurance is made for a specified period oftime usually not exceeding one year

4 Voyage Policy This Policy covers the subject matter for a particularvoyage irrespective of the time taken for a voyage

5 Mixed Policy It is a policy under which insurance contract is made for acertain period and for a certain voyage

6 Floating Policy Under this policy only a round sum is insured and nomention is made about the ship or cargo When a shipment is made theinsured make a declaration about the value of the shipment and the totalvalue of the policy is reduced by that amount

7 Fleet Policy under this policy several ships belonging to a single ownerare insured under the same policy

8 Wager PolicyHonour Policy It is a policy held by a person who has noinsurable interest in the subject matter It is not enforceable by law but suchpolicies can be issued under marine insurance

59831601=5

28 State five social responsibilities of Business towards consumersa Supply of required goodsThe business should produce and supply the goods which are required by theconsumersb Better quality goodsThe Business should provide better quality goods to the consumersc Regular supply

The business should ensure regular and un-interrupted supply of goods Itensures uniform prices and avoids price fluctuations

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d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

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17 State two Principles of Insurance

983137 983120983154983145983150983139983145983152983148983141 983151983142 983125983156983149983151983155983156 983111983151983151983140 983110983137983145983156983144

983138 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983155983157983154983137983138983148983141 983113983150983156983141983154983141983155983156

983139 983120983154983145983150983139983145983152983148983141 983151983142 983113983150983140983141983149983150983145983156983161

983140 983120983154983145983150983139983145983152983148983141 983151983142 983107983151983150983156983154983145983138983157983156983145983151983150 983137983150983140 983108983151983157983138983148983141 983113983150983155983157983154983137983150983139983141

983141 983120983154983145983150983139983145983152983148983141 983151983142 983123983157983138983154983151983143983137983156983145983151983150983142 983120983154983145983150983139983145983152983148983141 983151983142 983117983145983156983145983143983137983156983145983151983150 983151983142 983148983151983155983155

983143 983120983154983145983150983139983145983152983148983141 983151983142 983107983137983157983155983137983085983152983154983151983160983145983149983137 (983150983141983137983154983141983155983156 983139983137983157983155983141)

983144 983120983154983145983150983139983145983152983148983141 983151983142 983122983141983085983113983150983155983157983154983137983150983139983141

or any other

29831601=2

18 Mention two disadvantages of Air Transport1 Costliest form of Transport2 Very risky3 Not suitable to carry Bulky goods4 Not suitable for short distance5 Affected by bad weather

6 Requires permission7 Limited carrying capacity

983119983154 983137983150983161 983151983156983144983141983154

29831601=2

19 What are Bonded Warehouses Bonded warehouses are used to store imported goods for which import duty is yetto be paid the importer can pay the duty and take delivery of the goods at hisconvenience

2

20 State two responsibilities of Business towards Employeesa Good working conditions

b Ensure Job securityc Fair remuneration

d No discriminationf Opportunities for growth and developmentg Welfare facilities

h Protection from hazardsk Humane treatment j Good relationsI Recognise rights of worker and unions

any other

29831601=2

21 State any two rights of Consumers(a) Right to Safety

(b) Right to be Informed(c) Right to Choose(d) Right to be Heard(e) Right to Seek Redressal

g) Right to healthy environment(f) Right to Consumer Education

Or any other

29831601=2

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22 Define Accounting PackageAccounting packages are application softwares developed to find solutions tomany accounting problems

Or any other

2

Section-C

23 Explain five principles of Plant Layout

1 Principle of minimum movement The movement of workers and materialsbetween the production process should be minimum2 Principle of sequence The machines and other physical facilities should be

arranged in the factory building in order in which they are used for production3 Principle of usage The floor space in factory building should be utilised

efficiently4 Principle of safety The plant layout should provide maximum safety to workers

materials and other assets5 Principle of flexibility Plant layout should be flexible enough to provide for

future expansion without much difficulty6 Principle of satisfaction The workers should be provided with better working

conditionsbetter work environment to work7 Principle of minimum investment The investment in assest of the company

should be as far as possible should be minimum

59831601=5

24 Explain five qualities of a good Advertisement Copy1 Attention Value The advertisement copy should draw the attention of the people

which can be done by using attractive pictures colors etc2 Suggestive Value The advertisement copy must suggest the uses of the product3 Convincing Value An advertisement copy should convince the customers by

giving the facts about the product4 Remembrance Value An advertisement copy should remind the customer about

the product again and again for purchasing the product5 Educative Value It must educate the people how to use the product6 Sentimental Value Advertisement should make the customers to buy the product

by awakening interest

7 Simplicity It should be very simple Both the literates and illiterates should beable to understand the message given by the advertisement copy

59831601=5

25 Explain five demerits of Foreign Trade1 DEPENDENCE Too much dependence on foreign countries for even essential

goods may be danger during times of war and natural calamities

2 EXHAUSION OF NATURAL RESOURCES For earning more foreign exchangeexhaust natural resources before time

3 DISTRUCTION OF OTHER SECTORS Foreign trade makes production of onlygoods which can be exported resulting in neglect of other industries and other

sectors like agriculture

4 FOREIGN COMPETITION Due to the competition in the market because offoreign goods domestic industries may loose its existence

5 IMPORT OF HARMFUL GOODS Because of foreign trade countries are preparedto import the goods which are harmful to the human beings

( or any other)

59831601=5

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26 Explain five types of Debentures1 REGISTRED DEBENTURES These are the debentures the names of the holders

will appear in the register of debentures maintained by the company The paymentof dividend and repayment of money will be made to the persons whose namesappear in the debenture register

2 BEARERS DEBENTURES These debentures in respect of which the names ofthe holders are not recorded in the debenture register

3 SECURED DEBENTURES These debentures are secured by some charge onthe assets of the company The charge may be fixed or floating charge

4 UNSECURED DEBENTURES These are the debentures which are not securedby any charge on the assets of the company 5 CONVERTIBLE DEBENTURES These debentures can converted into equity

shares according the terms of the issue of shares6 NON-CONVERTIBLE Debentures These Debentures cannot be converted into

equity shares according to the conditions of the issue of shares 7 REDEEMABLE PREFERENCE SHARES These are the debentures which are

repaid after the expiry of the certain period by the company

8 IRREDEEMABLE PREFERENCE SHARES These are the debentures which arenot repayable during the life time by the company Generally they are repaid atthe time of winding up of company

59831601=5

27 Explain five types of Marine Insurance Policies

1 Valued Policy Under this policy the value of the subject matter is statedand agreed upon at the time of taking out the policy

2 Unvalued Policy Under this type of policy the value of the subject matteris not mentioned at the time of taking out the policy but it is determinedsubsequently at the time of occurrence of loss

3 Time Policy It is a policy where insurance is made for a specified period oftime usually not exceeding one year

4 Voyage Policy This Policy covers the subject matter for a particularvoyage irrespective of the time taken for a voyage

5 Mixed Policy It is a policy under which insurance contract is made for acertain period and for a certain voyage

6 Floating Policy Under this policy only a round sum is insured and nomention is made about the ship or cargo When a shipment is made theinsured make a declaration about the value of the shipment and the totalvalue of the policy is reduced by that amount

7 Fleet Policy under this policy several ships belonging to a single ownerare insured under the same policy

8 Wager PolicyHonour Policy It is a policy held by a person who has noinsurable interest in the subject matter It is not enforceable by law but suchpolicies can be issued under marine insurance

59831601=5

28 State five social responsibilities of Business towards consumersa Supply of required goodsThe business should produce and supply the goods which are required by theconsumersb Better quality goodsThe Business should provide better quality goods to the consumersc Regular supply

The business should ensure regular and un-interrupted supply of goods Itensures uniform prices and avoids price fluctuations

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d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

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1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

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3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

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4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

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5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

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6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

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7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

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9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

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10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

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22 Define Accounting PackageAccounting packages are application softwares developed to find solutions tomany accounting problems

Or any other

2

Section-C

23 Explain five principles of Plant Layout

1 Principle of minimum movement The movement of workers and materialsbetween the production process should be minimum2 Principle of sequence The machines and other physical facilities should be

arranged in the factory building in order in which they are used for production3 Principle of usage The floor space in factory building should be utilised

efficiently4 Principle of safety The plant layout should provide maximum safety to workers

materials and other assets5 Principle of flexibility Plant layout should be flexible enough to provide for

future expansion without much difficulty6 Principle of satisfaction The workers should be provided with better working

conditionsbetter work environment to work7 Principle of minimum investment The investment in assest of the company

should be as far as possible should be minimum

59831601=5

24 Explain five qualities of a good Advertisement Copy1 Attention Value The advertisement copy should draw the attention of the people

which can be done by using attractive pictures colors etc2 Suggestive Value The advertisement copy must suggest the uses of the product3 Convincing Value An advertisement copy should convince the customers by

giving the facts about the product4 Remembrance Value An advertisement copy should remind the customer about

the product again and again for purchasing the product5 Educative Value It must educate the people how to use the product6 Sentimental Value Advertisement should make the customers to buy the product

by awakening interest

7 Simplicity It should be very simple Both the literates and illiterates should beable to understand the message given by the advertisement copy

59831601=5

25 Explain five demerits of Foreign Trade1 DEPENDENCE Too much dependence on foreign countries for even essential

goods may be danger during times of war and natural calamities

2 EXHAUSION OF NATURAL RESOURCES For earning more foreign exchangeexhaust natural resources before time

3 DISTRUCTION OF OTHER SECTORS Foreign trade makes production of onlygoods which can be exported resulting in neglect of other industries and other

sectors like agriculture

4 FOREIGN COMPETITION Due to the competition in the market because offoreign goods domestic industries may loose its existence

5 IMPORT OF HARMFUL GOODS Because of foreign trade countries are preparedto import the goods which are harmful to the human beings

( or any other)

59831601=5

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26 Explain five types of Debentures1 REGISTRED DEBENTURES These are the debentures the names of the holders

will appear in the register of debentures maintained by the company The paymentof dividend and repayment of money will be made to the persons whose namesappear in the debenture register

2 BEARERS DEBENTURES These debentures in respect of which the names ofthe holders are not recorded in the debenture register

3 SECURED DEBENTURES These debentures are secured by some charge onthe assets of the company The charge may be fixed or floating charge

4 UNSECURED DEBENTURES These are the debentures which are not securedby any charge on the assets of the company 5 CONVERTIBLE DEBENTURES These debentures can converted into equity

shares according the terms of the issue of shares6 NON-CONVERTIBLE Debentures These Debentures cannot be converted into

equity shares according to the conditions of the issue of shares 7 REDEEMABLE PREFERENCE SHARES These are the debentures which are

repaid after the expiry of the certain period by the company

8 IRREDEEMABLE PREFERENCE SHARES These are the debentures which arenot repayable during the life time by the company Generally they are repaid atthe time of winding up of company

59831601=5

27 Explain five types of Marine Insurance Policies

1 Valued Policy Under this policy the value of the subject matter is statedand agreed upon at the time of taking out the policy

2 Unvalued Policy Under this type of policy the value of the subject matteris not mentioned at the time of taking out the policy but it is determinedsubsequently at the time of occurrence of loss

3 Time Policy It is a policy where insurance is made for a specified period oftime usually not exceeding one year

4 Voyage Policy This Policy covers the subject matter for a particularvoyage irrespective of the time taken for a voyage

5 Mixed Policy It is a policy under which insurance contract is made for acertain period and for a certain voyage

6 Floating Policy Under this policy only a round sum is insured and nomention is made about the ship or cargo When a shipment is made theinsured make a declaration about the value of the shipment and the totalvalue of the policy is reduced by that amount

7 Fleet Policy under this policy several ships belonging to a single ownerare insured under the same policy

8 Wager PolicyHonour Policy It is a policy held by a person who has noinsurable interest in the subject matter It is not enforceable by law but suchpolicies can be issued under marine insurance

59831601=5

28 State five social responsibilities of Business towards consumersa Supply of required goodsThe business should produce and supply the goods which are required by theconsumersb Better quality goodsThe Business should provide better quality goods to the consumersc Regular supply

The business should ensure regular and un-interrupted supply of goods Itensures uniform prices and avoids price fluctuations

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d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

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26 Explain five types of Debentures1 REGISTRED DEBENTURES These are the debentures the names of the holders

will appear in the register of debentures maintained by the company The paymentof dividend and repayment of money will be made to the persons whose namesappear in the debenture register

2 BEARERS DEBENTURES These debentures in respect of which the names ofthe holders are not recorded in the debenture register

3 SECURED DEBENTURES These debentures are secured by some charge onthe assets of the company The charge may be fixed or floating charge

4 UNSECURED DEBENTURES These are the debentures which are not securedby any charge on the assets of the company 5 CONVERTIBLE DEBENTURES These debentures can converted into equity

shares according the terms of the issue of shares6 NON-CONVERTIBLE Debentures These Debentures cannot be converted into

equity shares according to the conditions of the issue of shares 7 REDEEMABLE PREFERENCE SHARES These are the debentures which are

repaid after the expiry of the certain period by the company

8 IRREDEEMABLE PREFERENCE SHARES These are the debentures which arenot repayable during the life time by the company Generally they are repaid atthe time of winding up of company

59831601=5

27 Explain five types of Marine Insurance Policies

1 Valued Policy Under this policy the value of the subject matter is statedand agreed upon at the time of taking out the policy

2 Unvalued Policy Under this type of policy the value of the subject matteris not mentioned at the time of taking out the policy but it is determinedsubsequently at the time of occurrence of loss

3 Time Policy It is a policy where insurance is made for a specified period oftime usually not exceeding one year

4 Voyage Policy This Policy covers the subject matter for a particularvoyage irrespective of the time taken for a voyage

5 Mixed Policy It is a policy under which insurance contract is made for acertain period and for a certain voyage

6 Floating Policy Under this policy only a round sum is insured and nomention is made about the ship or cargo When a shipment is made theinsured make a declaration about the value of the shipment and the totalvalue of the policy is reduced by that amount

7 Fleet Policy under this policy several ships belonging to a single ownerare insured under the same policy

8 Wager PolicyHonour Policy It is a policy held by a person who has noinsurable interest in the subject matter It is not enforceable by law but suchpolicies can be issued under marine insurance

59831601=5

28 State five social responsibilities of Business towards consumersa Supply of required goodsThe business should produce and supply the goods which are required by theconsumersb Better quality goodsThe Business should provide better quality goods to the consumersc Regular supply

The business should ensure regular and un-interrupted supply of goods Itensures uniform prices and avoids price fluctuations

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d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

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983120983137983143983141 6 983151983142 12

d Fair trade practicesThe business must follow fair trade practices and should not indulge in unfairtrade practices like black marketing hoarding adulteration false weighingmisleading advertisements Etc

e Handle grievances promptlyThe complaints and grievances of consumers should be dealt quickly andpromptly

f Selling at reasonable pricesThe business should sell the price at reasonable prices by keeping reasonablemargin of profit

g Opportunity to chooseThe business should provide opportunity to choose by providing a wide variety ofgoods

h After sale servicesAfter sale services like guaranteeing the quality of goods home deliveryrepairing the product free of cost with in the warranty period etc should also beprovided

Or any other

59831601=5

29 Explain the need and importance of Consumer Protection1 Illiteracy of Consumers Many consumers are illiterates in the sense that

they do not know the consumer rights the innocent consumers areexploited by the producers and traders therefore consumers needprotection

2 Unfair Trade Practices The activities like Black marketing adulterationhoarding etc which are followed by the traders to deceive the consumerstherefore consumers need protection

3 Misleading Advertisement Consumers are misled by false andmisleading advertisements so consumers need protection

4 Not Providing Opportunity to Choose Many times consumers are not

informed about the existence of other similar product and their prices this isalso a kind of deception consumerrsquos need protection to enforce the right tochoose

5 Supply of SpuriousDangerous goods Traders supply spurious orunsafe goods for making more profit consumer protection is needed to getprotection from such acts of traders

59831601=5

30 State career opportunities in Insurance sector1 Actuaries Actuaries are appointed by insurance companies to assess the risk

involved in the subject matter2 Administrative Officers They are appointed to attend the day to day

administration3 Clerks Clerks are appointed to perform the office work in the organization4 Development Officers Development Officers market the insurance product ie

policies of insurance companies5 Surveyors surveyors assess the amount of compensation to be paid in case of

damage to the subject matter6 Insurance Agents Insurance agents sell the policies of insurance companies

Or any other

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

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31 Mention any five advantages of E-commercea Faster processing of transactionsb reduces clerical workc lowering of costd reduction in man power requirementse safe and secure operationsf maintenance of secrecyg Convenience to Customersh Enlarges Business and increases Profits

I Improved Customers Service

Or any other

59831601=5

Section-D

32 Explain the qualities of successful salesman1 Good Health Salesman should posess good health which gives him

strength to work hard2 Good appearance and dress Salesman should have good and attractive

appearance with good dress3 Good posture The salesman body should be well balanced on his feet4 Pleasant Voice Voice is the main asset of the salesman He should have

clear and pleasant voice5 Intelligence It is the mental capacity of the salesman to understand the

things quickly6 Cool Temper Salesman should face and listen to the customers with cool

temper7 Sharp Memory It helps the salesman to remember the names of the

customers products price etc8 Good manners It is the quality of the salesman to behave in a good way

while attending customers

9 Tolerance Salesman should be patient and tolerant which attendingcustomers10 Courtesy The salesman should be courteous towards the customers11 Honesty and Loyalty The salesman should be honest and loyal to his

owner and to customers12 Team spirit Since salesman has to work with others salesman must be

co-operative with others13 Knowledge of self14 ldquo firm15 ldquo customers16 ldquo products and techniques of selling

Other qualities like Maturity Integrity Determination Reliability Selfdiscipline and control Ambition self confidence Alertness Initiative

Imagination etc

109831601=10

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

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3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

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4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

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5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

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983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

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9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

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10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

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B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

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983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

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983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

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Any other (any five)

59831601=5

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33 Briefly explain the Export Trade procedureEXPORT PROCEDUREThe procedure generally adopted for export of goods is as follows

1 RECEIPT OF ENQUIRY LETTER The exporter receives a letter of enquiry fromthe importer enquiring about the quality quantity price and the willingness of theexporter to export the goods

2 SENDING OF QUOTATION In reply to the letter of enquiry exporter sends aquotation it explains details of quality quantity packing terms pa payment and

price of the goods He quotes several prices which can be selected by theimporter The following are the prices

aLoco price b Free Along Side ship price (FAS Price) c Free on board price( FOB Price) d Cost and Freight Price ( Camp F Price) e Cost Insurance andfreight price (CIF Price) and Franco Price

3 RECEIVING OF INDENT If the importer is satisfied with the quotation he placesan order for sending the goods which is known as Indent

4 OBTAINING EXPORT LICENCE After receiving the indent from the importer ifgoods which are to be exported is subject to export control he has to obtain licensefrom the Export Trade Controller

5 ASSEMBLING AND COLLECTION OF GOODS The exporter collects andassemble the goods at his place

6 PACKING AND MARKING OF GOODS After the goods are collected theexporter has to pack and mark the goods according to the instructions of theexporter this is done to identify the goods at the port of destination

7 APPOINTMENT OF FORWARDING AGENT The shipment of goods requiresseveral formalities to be performed at the port generally this work is entrusted to aspecialized agent called Forwarding Agent

8 DESPATCH OF GOODS TO THE PORT The exporter has to make arrangement

to send the goods to the port by road or rail

9 FORMALITIES TO BE PERFORMED BY FORWARDING AGENT AT THE PORTa Taking delivery of goodsb Securing shipping spacec Going through custom formalitiesd Obtaining mates receipte Obtaining bill of ladingf Obtaining marine insurance policy gAdvice to the exporter

10 OBTAINING OTHER RELEVENT DOCUMENTS The exporter after receiving the advicefrom the forwarding agent has to obtain certain other documents like certificate of originconsular invoice which will help the importer to get concession in import duty

11 PREPERATION OF EXPORT INVOICE The export invoice contains the details of

marking packing name of the ship and name of the bank through which documents aresent

12 SECURING PAYMENT The exporter can get the payment from any one of the followingmethods a Documentary bill of exchange methodb Discounting of bill methodc Letter of credit method

13 ADVICE TO THE IMPORTER The exporter finally informs the importer about the dispatchof goods and other documents through a letter

10

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34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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35 What is Transport Explain the need and importance ofTransport

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983149983141983137983150983155 983149983151983158983141983149983141983150983156 983151983142 983143983151983151983140983155 983137983150983140 983152983137983155983155983141983150983143983141983154983155 983142983154983151983149 983151983150983141 983152983148983137983139983141 983156983151

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1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

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983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

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Any other (any five)

59831601=5

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983120983137983143983141 9 983151983142 12

34 What is Stock Exchange Explain the functions of Stock ExchangeSTOCK EXCHANGE Stock Exchange is a organized and specially constitutedmarket where shares and debentures of companies are bought and sold

According to Securities Contracts (Regulation ) Act 1956 a Stock Exchange is ldquoan association organization or body of individuals whether incorporated or not forthe purpose of assisting regulating and controlling business in buying selling anddealing with securitiesrdquo

FUNCTIONS OF STOCK EXCHANGESThe functions of stock exchange can be enumerated as follows

1 Provides ready and continuous market By providing a place wherelisted securities can be bought and sold regularly and conveniently a stockexchange ensures a ready and continuous market

2 Provides information about prices and sales A stock exchangesupplies regular information on their prices and sale of securities

3 Provides safety to dealings and investment Transactions on the stockexchange are conducted with transparency This provides a high degree of safety

to dealings at the stock exchange

4 Helps in mobilisation of savings and capital formation Efficient functioningof stock market helps in mobilising savings for investment in industrial andcommercial establishments

5 Barometer of economic and business conditions Stock exchanges arehighly sensitive to changing economic social and political conditions reflected inthe prices of shares and debentures

6 Better Allocation of funds As a result of stock market transactions funds flowfrom the less profitable to more profitable enterprises

7 stability of prices It provides stability of prices of securities and contributes toequalization of prices of securities

8 increases marketability and liquidity of securities The holders of securitiescan sell or buy at any time it provides liquidity9 evaluation of securities Investors can know the worth of their holdings asprices of securities are displayed in stock exchanges10 protect genuine investors Stock Exchanges protect genuine investors bystrict enforcement of rules and regulations11 give mobility to capital The investors can divert their investment from lessprofitable companies to more profitable companies

12 sale of new securities Stock exchanges help distribution of new securities13 providing forecasting services Stock exchanges provide forecastingservices14 provide opportunity for speculation Stock Exchanges provides speculation

facility to speculator like bull bear etc

any other (any eight functions)

2+8=10

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983120983137983143983141 10 983151983142 12

35 What is Transport Explain the need and importance ofTransport

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983137983150983151983156983144983141983154 983152983148983137983139983141983118983141983141983140 983137983150983140 983113983149983152983151983154983156983137983150983139983141 983151983142 983124983154983137983150983155983152983151983154983156983137983156983145983151983150

1 983127983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983149983151983158983145983150983143 983143983151983151983140983155 983142983154983151983149 983156983144983141 983152983148983137983139983141 983151983142 983152983154983151983140983157983139983156983145983151983150 983156983151 983156983144983141 983152983148983137983139983141983155 983151983142

983139983151983150983155983157983149983152983156983145983151983150 983159983145983140983141983150983155 983156983144983141 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983151983154983148983140 983151983158983141983154

2 983116983141983137983140983155 983156983151 983116983137983154983143983141 983123983139983137983148983141 983120983154983151983140983157983139983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983161 983159983145983140983141983150983145983150983143 983149983137983154983147983141983156 983142983151983154 983143983151983151983140983155 983159983144983145983139983144 983154983141983155983157983148983156983155 983145983150 983148983137983154983143983141 983155983139983137983148983141

983152983154983151983140983157983139983156983145983151983150 983137983150983140 983154983141983140983157983139983141983140 983139983151983155983156 983151983142 983152983154983151983140983157983139983156983145983151983150 983137983150983140 983148983151983159983141983154 983152983154983145983139983141983155 983142983151983154 983139983157983155983156983151983149983141983154983155

3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

983113983156 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983148983137983138983151983157983154 983142983154983151983149 983156983144983141 983137983154983141983137983155 983159983144983141983154983141 983145983156 983145983155 983152983148983141983150983156983161 983156983151 983137983154983141983137983155 983159983144983141983154983141

983145983156 983145983155 983155983139983137983154983139983141 983123983145983149983145983148983137983154983148983161 983142983137983139983145983148983145983156983137983156983141983155 983149983151983158983141983149983141983150983156 983151983142 983139983137983152983145983156983137983148 983142983154983151983149 983137983154983141983137983155 983159983144983141983154983141 983156983144983141 983154983141983156983157983154983150

983145983155 983148983141983155983155 983156983151 983159983144983141983154983141 983154983141983156983157983154983150 983145983155 983144983145983143983144

4 983123983156983137983138983145983148983145983162983137983156983145983151983150 983151983142 983120983154983145983139983141983155

983123983145983150983139983141 983156983144983141 983143983151983151983140983155 983137983154983141 983137983158983137983145983148983137983138983148983141 983141983158983141983154983161983159983144983141983154983141 983138983141983139983137983157983155983141 983151983142 983156983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155983157983150983145983142983151983154983149983145983156983161 983145983150 983152983154983145983139983141983155 983145983150 983137983148983148 983152983148983137983139983141983155

5 983108983145983158983145983155983145983151983150 983151983142 983148983137983138983151983157983154 983151983154 983155983152983141983139983145983137983148983145983162983137983156983145983151983150

983108983157983141 983156983151 983156983144983141 983143983141983151983143983154983137983152983144983145983139983137983148 983140983145983155983152983141983154983155983145983151983150 983151983142 983150983137983156983157983154983137983148 983154983141983155983151983157983154983139983141983155 983152983141983151983152983148983141 983152983154983151983140983157983139983141 983156983144983141

983152983154983151983140983157983139983156983155 983142983151983154 983159983144983145983139983144 983156983144983141983161 983144983137983158983141 983142983137983158983151983157983154983137983138983148983141 983139983151983150983140983145983156983145983151983150983155 983137983150983140 983155983152983141983139983137983148983145983155983141 983145983150 983156983144983141

983152983154983151983140983157983139983156983145983151983150 983151983142 983155983157983139983144 983137983154983156983145983139983148983141983155 983137983150983140 983141983160983139983144983137983150983143983141 983156983151 983151983156983144983141983154 983137983154983141983137983155 983156983144983154983151983157983143983144 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983137983148983155983151 983141983150983137983138983148983141983155 983140983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983156983145983141983155

7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983142983137983139983145983148983145983156983137983156983141983155 983155983149983151983151983156983144 983142983157983150983139983156983145983151983150983145983150983143 983151983142 983143983151983158983141983154983150983149983141983150983156 983149983137983139983144983145983150983141983154983161

8 983107983151983150983156983154983145983138983157983156983141983155 983156983151 983118983137983156983145983151983150983137983148 983125983150983145983156983161983124983154983137983150983155983152983151983154983156983137983156983145983151983150 983138983154983145983150983143983155 983156983151983143983141983156983144983141983154 983152983141983151983152983148983141 983151983142 983140983145983142983142983141983154983141983150983156 983154983141983148983145983143983145983151983150 983139983157983148983156983157983154983141 983137983150983140 983139983151983157983150983156983154983145983141983155

983137983150983140 983141983150983139983151983157983154983137983143983141983155 983145983140983141983137983155 983148983137983150983143983157983137983143983141 983137983150983140 983139983157983148983156983157983154983141 983137983150983140 983152983154983151983149983151983156983141983155 983157983150983145983156983161 983137983149983151983150983143 983152983141983151983152983148983141

9 983109983155983155983141983150983156983145983137983148 983142983151983154 983118983137983156983145983151983150983137983148 983108983141983142983141983150983139983141

983124983154983137983150983152983151983154983156983137983156983145983151983150 983145983155 983141983155983155983141983150983156983145983137983148 983142983151983154 983156983144983141 983140983141983142983141983150983139983141 983151983142 983156983144983141 983139983151983157983150983156983154983161 983142983154983151983149 983141983150983141983149983161

10 983120983154983151983158983145983140983141 983141983149983152983148983151983161983149983141983150983156 983119983152983152983151983154983156983157983150983145983156983145983141983155

B983161 983152983154983151983158983145983140983145983150983143 983141983149983152983148983151983161983149983141983150983156 983151983152983152983151983154983156983157983150983145983156983145983141983155 983156983151 983149983145983148983148983145983151983150983155 983151983142 983152983141983151983152983148983141 983156983154983137983150983155983152983151983154983156983137983156983145983151983150

983145983150983139983154983141983137983155983141983155 983155983156983137983150983140983137983154983140 983151983142 983148983145983158983145983150983143 983151983142 983152983141983151983152983148983141

11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

A983155 983137983150 983137983145983140 983156983151 983156983154983137983140983141 983145983156 983144983137983155 983137 983143983154983141983137983156 983145983150983142983148983157983141983150983139983141 983151983150 983137983148983148 983155983141983139983156983145983151983150983155 983151983142 983156983144983141 983141983139983151983150983151983149983161 983156983144983141983154983141983138983161

983148983141983137983140983145983150983143 983156983151 983142983137983155983156983141983154 983143983154983151983159983156983144 983151983142 983141983139983151983150983151983149983161

12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

983113983156 983145983155 983137983148983155983151 983141983155983155983141983150983156983145983137983148 983145983150 983156983145983149983141983155 983151983142 983150983137983156983157983154983137983148 983139983137983148983137983149983145983156983145983141983155 983148983145983147983141 983142983148983151983151983140983155 983141983137983154983156983144 983153983157983137983147983141983155 983141983156983139 983156983151

983152983154983151983158983141 983154983141983148983145983141983142 983156983151 983156983144983141 983152983141983151983152983148983141

Or any other

2+8=10

8132019 Business-studies-subject-code-27pdf

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983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

8132019 Business-studies-subject-code-27pdf

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983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

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B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

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A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

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983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

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59831601=5

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1012

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35 What is Transport Explain the need and importance ofTransport

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3 983110983137983139983145983148983145983156983137983156983141983155 983149983151983138983145983148983145983156983161 983151983142 983116983137983138983151983157983154 983137983150983140 983107983137983152983145983156983137983148

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6 983108983141983158983141983148983151983152983149983141983150983156 983151983142 983156983151983159983150983155 983137983150983140 983139983145983156983145983141983155

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7 983110983137983139983145983148983145983156983137983156983141983155 983141983142983142983145983139983145983141983150983156 983137983140983149983145983150983145983155983156983154983137983156983145983151983150

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11 983123983157983152983152983151983154983156983155 983151983156983144983141983154 983109983139983151983150983151983149983145983139 983137983139983156983145983158983145983156983145983141983155

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12 983122983141983148983145983141983142 983117983141983137983155983157983154983141983155

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Or any other

2+8=10

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1112

983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1212

983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1112

983120983137983143983141 11 983151983142 12

36 What is Life Insurance Explain the various kinds of LifeInsurance Policies

LIFE INSURANCE It is a contract whereby the insurer undertakes to pay acertain sum of money either on the death of the insured or on the expiry of aspecified period of time whichever is earlier in consideration of a certain amount(premium) paid by the insured

(a) Whole-life policy In case of whole life policy the premium is payable regularlythroughout the life of the insured or for a fixed period The sum assured becomes payableto the heirs of the insured after his death Such a policy is taken up by a person whowishes to provide financial support to hisher dependents after the death

(b) Endowment policy This policy runs for a limited period or up to a certain age of theinsured and the sum assured becomes due for payment at the end of the specified periodor on the death of the insured whichever is earlier This is the most common form of lifeinsurance policy taken up by the people

(i) Joint Life Policy Under this policy the lives of two or more persons are insured jointly The sum assured becomes payable on the death of any one to the survivorUsually this policy is taken up by husband and wife jointly or by two partners of the firm

(ii) Money Back Policy This scheme provides periodic payment of the sum assured tothe policyholder at regular intervals

(iii) Pension Plan Under this plan the sum assured is payable to the policyholder on hissurvival beyond the term of the policy The sum assured or policy money becomespayable in monthly quarterly half yearly or annual installments This is useful for thosewho prefer regular income after a certain age

(iv) Unit Plans These plans offer twin benefits of investment and insurance cover Thepremium paid by the policyholder is applied to purchase the shares and debentures ofdifferent companies The maturity amount is largely depend upon the market value of

the investment

(v) Group Insurance Scheme Group Insurance schemes are meant to provide lifeinsurance protection to the group of people at a low cost These schemes are suitable forgroup of employees of any business house or government employees

(vi) Term Assurance Policy Under this policy the sum assured is payable only if theinsured dies within the fixed period If the insured survives the period of insurance nothingbecomes payable Generally this type of policy is taken on the life of debtor by thecreditor

(vii) Annuity Policy Under this policy sum assured is paid to the insured by regularperiodical installments for specific period or the till the death of the insured

(viii) Janatha Policy This policy is introduced to cover the lives of poor sections of thesociety It is usually taken for a small sum from Rs250 to Rs1000 for fixed period

Or any other

2+8=10

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1212

983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5

8132019 Business-studies-subject-code-27pdf

httpslidepdfcomreaderfullbusiness-studies-subject-code-27pdf 1212

983120983137983143983141 12 983151983142 12

37

Section - EPrepare a list of any five products and suggest suitable media ofAdvertisement

Name of the Product Media of Advertisement1)Mobiles T V Advertisement News papers 2)Furniture Local news paperHand

Broacherspamphlets

3)Soaps and Detergents RadioTV Advertisement 4)Home appliances RadioTV Advertisement 5)Educational books Educational journalspamphlets through

Schools and CollagesNews papers 6)Solar systems Exhibitions Demonstrations Posters

and painted displays 7)Ready made garments Television Advertisement

8)Automobiles Magazines TV News papers9)Computer Television Advertisement News

papers

10)Medical Equipments Direct mail Advertising

Any other (any five)

59831601=9830855

38 List any ten Stock Exchanges in India

983124983112983109 B983119983117BA983129 983123983124983119983107983115 983109983128983107983112A983118983111983109 983124983144983141 A983144983149983137983140983137983138983137983140 983123983156983151983139983147 983109983160983139983144983137983150983143983141 A983155983155983151983139983145983137983156983145983151983150 983116983156983140

B983112983125BA983118983109983123983112983127A983122 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 BA983118983111A983116983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983124983112983109 983107983125983116983107983125983124983124A 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983119983107983113A983124983113983119983118 983116983124983108 983124983112983109 983108983109983116983112983113 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118

983116983124983108 983117A983108983122A983123 983123983124983119983107983115 983109983128983107983112983118A983111983109 983116983124983108 983107983119983107983112983113983118 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983111A983125983112A983124983113

983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983112983129983108983109983122ABA983108 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983114A983113983120983125983122 983123983124983119983107983115

983109983128983107983112A983118983111983109 983116983124983108 983115A983118A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983116983125983108983112983113A983118A 983123983124983119983107983115 983109983128983107983112A983118983111983109

A983123983123983118 983116983124983108 983117A983108983112983129A 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109 983117A983111A983108983112 983123983124983119983107983115 983109983128983107983112A983118983111983109

983116983124983108 983120983125983118983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983123A983125983122A983123983112983124983122A 983115983125983124983107983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983124983112983109983125983124983124A983122 983120983122A983108983109983123983112 983123983124983119983107983115 983109983128983107983112A983118983111983109 A983123983123983118 983116983124983108 983126A983108983119983108A983122A 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108

983107983119983113983117BA983124983119983122983109 983123983124983119983107983115 983109983128983107983112A983118983111983109 983117983109983109983122983125983124 983123983124983119983107983115 983109983128983107983112A983118983111983109 983116983124983108 983119983124983107 983109983128983107983112A983118983111983109 983119983110

983113983118983108983113A 983124983112983109 983118A983124983113983119983118A983116 983123983124983119983107983115 983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A 983116983124983108 983124983112983109 983113983118983124983109983122983085983107983119983118983109983107983124983109983108 983123983124983119983107983115

983109983128983107983112A983118983111983109 983119983110 983113983118983108983113A (983113983123983109)(any ten)

=5

39 List out various educational avenues available for Commerce studentsafter completing II year PUC

983137 983106983106983117 991251 B983137983139983144983141983148983151983154 983151983142 B983157983155983145983150983141983155983155 983117983137983150983137983143983141983149983141983150983156

983138 983106 983139983151983149 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983149983141983154983139983141

983139 983106983107983123 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983137983150983161 983155983141983139983154983141983156983137983154983145983141983155

983140 983106983112983117 991251 B983137983139983144983141983148983151983154 983151983142 983112983151983156983141983148 983117983137983150983137983143983141983149983141983150983156 983141 983106 A 991251 B983137983139983144983141983148983151983154 983151983142 A983154983156983155

983142 983106983107983109 991251 B983137983139983144983141983148983151983154 983151983142 983139983151983149983152983157983156983141983154 983141983140983157983139983137983156983145983151983150

983143 983107A 983085 983107983144983137983154983156983141983154983141983140 A983139983139983151983157983150983156983137983150983156 983137983142983156983141983154 983142983151983157983150983140983137983156983145983151983150 983139983151983157983154983155983141

983144 983113983107983127A 991251 983113983150983155983156983145983156983157983156983141 983151983142 983139983151983155983156 983137983150983140 983159983151983154983147983155 983137983139983139983151983157983150983156983137983150983156

983145 983106983107A 983085 B983137983139983144983141983148983151983154 983151983142 983107983151983149983152983157983156983141983154 A983152983152983148983145983139983137983156983145983151983150983155

Any other (any five)

59831601=5