STEPPING STONE TO

SUCCESSMay 2010

PROMOTION FROMSUB-ORDINATE TO CLERICAL

COMPILED BY:

TEAM SBLC PUNEM.G.KININGE

SARVADAS KAMBLE SANJEEV DIWAN RAVINDRA GURAVPRADEEP KAND PRADEEP DEO KARTIK SWAMY

SBLC Pune

STATE BANK LEARNING CENTRE, PUNE

STUDY MATERIAL

INDEX

Chapter No.

Name of the Chapter Page no.

1 Promotion Policy – Subordinate to Clerical 32 Personal Segment Liability Products 63 Personal Segment Advances : Home Loans 174 Personal Segment Advances : Car Loans 305 Personal Segment Advances : Education Loan 366 Personal Segment Advances : Pension Loan 397 Personal Segment Advances : Personal Loan 418 New Technology Products - Computers 459 New Technology Products – CBS / Mobile Banking 5010 New Technology products – RTGS / NEFT 5411 Safe Deposit Lockers / Custody / Fixed Assets 5612 SME Products 5813 Agriculture Segment – Loan Products 6014 Basic Computer Awareness 6315 General English Language 70

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POLICY FOR PROMOTION FROM SUBORDINATE TO CLERICAL CADREMERIT CHANNEL - CLERKS

(i) Eligibility :- Permanent full-time employees with 5 years’ service as on 1st April of the promotion year. However, service put in as a permanent part-time employee prior to full-time appointment will be reckoned proportionately by notionally converting part-time service into full-time service, in case such a full-time employee has less than 5 years’ service as on 1st April of promotion year. (Temporary service will not be reckoned)

(ii) Minimum Qualification :- Matriculation or equivalent examination on 1st April of the promotion year.

(iii) Upper age limit :- 55 years as on 1st April of promotion year.

(iv) Number of chances :- Till he completes 55 years of age.

(v) Allocation of marks :-

(a) Written test- General Banking - 30- English language - 10- General Awareness - 10

(100 Ques. 90 mins. ½ mark each) - 50

(b) Written test on computer aptitude - 25(50 Ques. 45 mins. ½ mark each)

(c) Additional Qualification (graduation) - 5 (d) Performance Appraisal . - 10 (e) Personal Interview - 10

Total Marks 100

(vi) Qualifying marks :-

Written Test :- Minimum 40% in written examination and also 40% minimum marks in computer aptitude test.Personal Interview :- Minimum 40% (i.e. 4 marks out of 10 marks

forGeneral and SC/ST).

(vii) Zone of Selection:-Based on the performance in the written test on both Banking, English, General awareness and computer aptitude, candidates will be called for interview in the ratio of 3 candidates for every two vacancies, in the descending order of merit. This will form the zone of selection.

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POLICY FOR PROMOTION FROM SUBORDINATE TO CLERICAL CADRENORMAL CHANNEL-CASHIERS

(i) Eligibility :- Permanent full-time employees with 8 years’ service as on 1st April of the promotion year. However, service put in as a permanent part-time employee prior to full-time appointment will be reckoned proportionately by notionally converting part-time service into full-time service, in case such a full time employee has less than 8 years’ service as on 1st April of promotion year. (Temporary service will not be reckoned).

(ii) Minimum Qualification :- VIIIth standard passed as on 1st April of the promotion year.

(iii) Upper age limit :- 55 years as on 1st April of the promotion year.(iv) Number of chances :- Till he/she completes 55 years of age.

(v) Allocation of marks :-

(a) Written test- General Banking -30- English language -10- General Awareness -10 (100 Ques. 90 mins. ½ mark each)

50

(b) Written test on computer aptitude - 20(40 Ques. 45 mins. ½ mark each)

(c) Performance Appraisal - 10 (d) Personal Interview - 20

Total Marks 100

(vi) Qualifying marks :-

Written Test :- Minimum 40% in written examination and minimum 30% in computer aptitude test.Personal Interview :- Minimum 40% (i.e. 8 marks out of 20 marks for General and SC/ST candidates).(vii) Zone of Selection:- Based on the performance in the written test on both Banking, English, General awareness and computer aptitude, candidates will be called for interview in the ratio of 3 candidates for every two vacancies, in the descending order of merit. This will form the zone of selection.

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General Guidelines:- (Applicable for both Merit and Normal Channels)

(i) Placement will be need based anywhere in the Circle.

(ii) Eligibility criteria viz. age, minimum service, minimum qualification additional qualification for the promotion under both the channels will be as on 1st April of promotion year.

(iii) All newly promoted cashiers if they pass SSC will be converted as clerks after 2 years of satisfactory service as cashiers. This exercise will be done on 1st August of each year.

(iv) All the existing Record Keepers, Record Keepers-cum-Cashiers, Godown Keepers, Bill Collectors and Cashiers promoted from Subordinate cadre who have completed two years of service and are matriculate (S.S.C.) as on 1st August, 2008 will be converted as clerks by the controlling authority subject to their satisfactory work. If an employee is not willing to be converted as clerk, he has to furnish a written request to the Branch Manager/Head of Department within 7 days after receipt of conversion letter. The controller’s decision in this regard will be final.

( C ) For promotion from subordinate to clerical cadre

Matriculates will be eligible for Merit channel while 8th standard pass will be eligible under Normal channel.

Upper age limit increased to 55 years of age. Matriculates on promotion will be designated as clerks and 8 th standard

pass will be designated as cashiers. Number of chances:- Till he reaches 55 years of age. Eligibility criteria viz. age, minimum service, minimum qualification,

additional qualification for the promotion under both the channels will be as on 1st April of promotion year.

The written examination will be held on General Banking, English language, General awareness and computer aptitude. The Pattern of the written examination will be advised separately.

All newly promoted cashiers if they pass 10th standard exam will be converted as clerks after 2 years of satisfactory service as cashiers as on 1st August of each year .

All the existing Record Keepers, Record Keepers-cum-Cashiers, Godown Keepers, Bill Collectors and Cashiers promoted from Subordinate cadre who have completed two years of service and are matriculate (S.S.C.) as on 1st August, 2008 may be converted as clerks by the controlling authority subject to their satisfactory work. If an employee is not willing to be converted as clerk, he has to furnish a written request to the Branch Manager/Head of Department within 7 days after receipt of conversion letter. The controller’s decision in this regard will be final. The converted employees will have to perform the duties of clerk or cashier or both clerkcum-cashier as per requirement of the Bank.

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PERSONAL SEGMENT – LIABILITY PRODUCTS

TEST – 1

01 As per Savings Bank Rules- Minors who can adhere to uniform signature and are not less than 10 years old, can open Savings Bank Accounts in their single name and can maintain a maximum balance of:a) Rs.20,000/- b) Rs.50,000/- b) Rs.10,000/- d) Rs.2,00,000/-

02 The Maximum deposit in the minor’s a/c under guardianship can be up to-----:a) Rs. 50000/- b) Rs 1.00 lac c) Rs 20.00 lac d) Rs 5.00 lac

03 What is the minimum cash amount that can be deposited in a Savings BankAccount?a) Rs.1/- b) Rs.5/- c) Rs.10/- d) Rs.50/-

04 What is the minimum permissible amount for withdrawal from a Savings BankAccount?a) Rs. 5/- b) Rs. 10/- c) Rs. 50/- d) Rs. 100/-

05 What is the minimum average balance required to be maintained in a currentaccount by Non-Individuals in Rural Areas & Other Areasa) Rs.2500 & Rs. 5000/- respectively b) Rs. 5000 & Rs. 10000/- respectivelyc) Rs.2000 & Rs. 5000/- respectively d) Rs.1000 & Rs. 5000/- respectively

06 What is the minimum average balance required to be maintained in a currentaccount by Individual in Rural Areas & Other Areasa) Rs.2500 & Rs. 5000/- respectively b) Rs. 5000 & Rs. 10000/- respectivelyc) Rs.2000 & Rs. 5000/- respectively d) Rs.1000 & Rs. 5000/- respectively

07 What is the minimum average balance required to be maintained in a non cheque book operated Saving Bank account in Rural Areas & Other Areasa) Rs.250 & Rs. 500/- respectively b) Rs. 500 & Rs. 1000/- respectivelyc) Rs.200 & Rs. 500/- respectively d) Rs.100 & Rs. 500/- respectively

08 What is the minimum average balance required to be maintained in a cheque book operated Saving Bank account in Rural Areas & Other Areasa) Rs.250 & Rs. 500/- respectively b) Rs. 500 & Rs. 1000/- respectivelyc) Rs.200 & Rs. 500/- respectively d) Rs.1000 & Rs. 5000/- respectively

09 What is the minimum & maximum period for Term Deposits of less than Rs 1crore?a) 14 days & 60 months b) 7 days & 60 monthsc) 15days & 60 months d) 15 days & 120 months

10 What is the minimum amount of deposit that can be accepted as Term / Special Term Deposit:a) Rs.1000/- b) Rs.100/- c) Rs.500/- d) Rs. 5000/-

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11 What is the minimum & maximum period for S.T.D.R accounts?a) 3 months & 60 months b) 6 months & 120 monthsc) 6 months & 60 months d) 12 months & 120 months

12 What is the minimum & maximum period for R.D. accounts?a) 3 months & 60 months b) 6 months & 120 monthsc) 6 months & 60 months d) 12 months & 120 months

13 Recurring Deposits are accepted in monthly installments of :a) Minimum Rs. 50/- Maximum Rs. 1000/- b) Minimum Rs. 100/- Maximum Rs. 10,000/-c) Minimum Rs. 100/- and thereafter in multiple of Rs. 10/-d) Minimum Rs. 100/- Maximum Rs. 5,000/-

14 The maximum amount of loan that can be granted against Term Deposits is:a) 85% of principal amount b) 85% of principal amount + accrued interestc) 90% of principal amount d) 90% of principal amount + accrued interest

15. U/s 269 T of the Income Tax Act, the branches will make payment of time deposits with interest thereon amounting to Rs.______ and above by way of credit to account/Bank Draft/crossed cheque only:a) Rs.10,000/- b) Rs.20,000/- c) Rs.50,000/- d) Rs.1,00,000

16. As per Section 194A of the Income Tax Act, banks are required to deduct tax at source whenever interest on time deposits credited or paid or likely to be credited or paid to the account of a customer, exceeds Rs _____ per person, per branch in a financial year.a) Rs.5, 000 b) Rs.10, 000 c) Rs.2, 500 d) Rs.20, 000

17. In satisfactorily conducted accounts, immediate credit will be afforded for outstation instruments deposited up to___________:a) Rs. 15,000 b) Rs.10, 000 c) Rs. 20,000 d) Rs.30, 000

18. The minimum amount of initial deposit allowable for Multi Option Deposit Accounts (MODs) is:____________.a) Rs. 10,000 b) Rs. 5,000 c) Rs. 1,000 d) Rs. 500

19. Multi Option Deposit Scheme, is the combination of :a) TDR/STDR & R.D. b) TDR/STDR & C. A/c / S.B. A/cc) S.B. A/c & TDR/STDR d) S.B. A/c & R.D.

20. For partial withdrawal/ break up of MODs the unit amount is:a) Rs. 10,000 b) Rs. 5,000 c) Rs. 1,000 d) Rs. 50

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KEY (TEST – 1)

QUESTION ANSWER QUESTION ANSWER01 D 11 B02 C 12 D03 C 13 C04 C 14 D05 B 15 B06 A 16 B07 A 17 D08 B 18 A09 D 19 B10 A 20 C

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PERSONAL SEGMENT – LIABILITY PRODUCTS

TEST – 2

1. What is the maturity period of Multi Option Deposits?a) 6 months and above, maximum 3 years.b) 1 year and above, maximum 3 years.c) 1 year and above, maximum 5 yearsd) 1 year and above, maximum 10 years

2. What is the maturity period of MODs issued under Saving Plus Scheme?a) 6 months and above, maximum 5 years. b) 1 year and above, maximum 3 years.c) 1 year and above, maximum 5 yearsd) 6 months, 12 months, 24 months or 36 months.

3. Under ‘Saving Plus Account’ the minimum ‘Threshold Amount’ should be Rs._______, however the depositor may opt for a higher threshold amount.a) 15,000/- b) 10,000/- c) 1,000/- d) 5,000/-

4. In Saving plus Scheme the ‘Auto Sweep’ is operative on_______________andMODs are issued for eligible amount.a) 5th and 20th of every monthb) 10th and 20th of every monthc) Once a week (any day) or once a month (any date) as opted by the depositor.d) 15th and 30th of every month

5. Loan against deposits held under Saving Plus Scheme is granted up to---------a) 75% of deposit b) 85% of deposit c) 90% of deposit d) Not permitted

6. Banks are required to deduct tax at source (TDS) from interest payable on Time Deposits wherever such interest paid or accrued per person and per branch during a financial year exceeds --------------

a) Rs.20000 b) Rs.10000 c) Rs.5000 d) Rs.50000

7. The minimum amount of deposit under the Kisan Mitra Jama Yojna isRs.___________ and in multiples of ___________.

a) Rs. 1,000 and Rs. 100 b) Rs. 1,000 and Rs. 500c) Rs. 5,000 and Rs. 1,000 d) Rs. 1,500 and Rs. 100

8. The minimum amount of withdrawal under the Kisan Mitra Jama Yojna is stipulated at ______ and in multiple of ________ ..

a) Rs. 100/- and Rs 100/- b) Rs. 500/- and Rs. 100/-c) Rs. 1,000/- and Rs. 500/- d) Rs. 1,500/- and Rs. 100/-

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9. The minimum period of deposit under the Kisan Mitra Jama Yojna is:_______________.

a) 12 months b) 6 months c) 3 months d) 15 days.

10. Under the Kisan Mitra Jama Yojna deposit can be accepted for a maximum period of _______.a) 3 years b) 5 years c) 7 years d) 10 years

11. To be eligible for differential rate of interest under Senior Citizen Deposit Scheme, the minimum age of the depositor is--------

a) 58 years b) 60 years c) 65 years d) none of the above

12. Under Senior Citizen Deposit Scheme, the minimum period of deposit is________.

a) 3 months b) 6 months c) 1 year d) 15 days

13. Under Senior Citizen Deposit Scheme, the minimum amount of deposit is_______.a) Rs. 500/- b) Rs. 1,000/- c) Rs. 5,000/- d) Rs. 10,000/-

14. Differential rate of interest under Senior Citizen Deposit Scheme is ----------------a) 1% b) 0.50% c) 0.25% d) None of the above

15. No Frill Account can be opened by an individual if hisa) Age is > 10 yearsb) Age is > 10years & earning is Rs. 5000/- or lessc) Age is > 18 yearsd) Age is > 18 years & earning is Rs. 5000/- or less

16. Initial deposit required to open No Frill Account is Rs. ___________and thereafter minimum balance of Rs. ________ can be maintained.a) Rs 50 & Rs. 100 respectively b) Rs 100 & Rs. 100 respectivelyc) Rs 50 & Rs. 50 respectively d) Rs 50 & Rs. 0 respectively

17. Maximum balance that can be maintained in the No Frill Account is Rs.___________a) Rs 50,000 b) Rs 25,000 c) Rs 10,000 d) Rs 1,00,000

18. Rate of interest payable in No Frill Account is:a) As applicable to Savings Bank account if a minimum balance of Rs.500/- or more is maintained. b) No interest is to be paid.c) As applicable to Savings Bank account. d) None of the above.

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KEYQUESTION ANSWER QUESTION ANSWER01 C 11 B02 C 12 C03 D 13 D04 C 14 B05 D 15 D06 B 16 D07 D 17 C08 B 18 C09 A10 D

PERSONAL SEGMENT – LIABILITY PRODUCTS

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TEST – 3

CORPORATE SALARY PACKAGE

1 Corporate Salary Package Account will be available to the employees of a Corporate or Institution, only when the organisation has:a) A minimum number of 25 employees with a minimum payout of Rs.1.25 lacs p.m.,b) A minimum number of 20 employees with a minimum payout of Rs.1.00 lacs p.m.,c) Minimum gross monthly salary per account of Rs. 5,000/- d) Both (a) & (c)e) Both (b) & (c)

2. PBBU Heads of the Circle have the discretion to permit deviation in eligibility criteria and approve a tie up with a Corporate/ Institution having minimum number of ___ employees opening their salary accounts with us.a) 10 b) 15 c) 20 d) No deviation is allowed

3. Circle CGM may permit coverage of employees having salaries of less than Rs.5,000 per month under “Silver” variant, provided :(a) All the salary accounts are maintained with our Bank(b) The employees drawing gross salary of less than Rs.5,000/- should not be more than 20% of total.(c) The employees drawing gross salary of less than Rs.5,000/- should not be more than 25% of total.(d) Both (a) & (b) e) Both (a) & (c)

4. The Corporate Salary Package has _______ variants:a) 2 b) 3 c) 4 d) 5

5. SBI Vishesh status is being provided for holders:a) Platinum Account b) Gold Accountc) Diamond Account d) Both (a) & (c)

6. Which of the following statement/s is/are correct in respect of Silver variant of Corporate Salary Package Account:i. Gross Monthly Salary should be between Rs. 5,000/- and Rs. 20,000/-.ii. Free Domestic ATM Card is providediii.25 cheque book leaves free in a yeariv.Charges are recovered for Cash Deposit transactions in excess of 3 transactions per montha) Only (i) b) Both (i) & (ii) c) (i), (ii) & (iv) d) All of the above

7. Which of the following statement/s is/are correct in respect of Gold variant of Corporate Salary Package Account:i. Gross Monthly Salary should be between Rs. 20,000/- and Rs. 50,000/-

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ii. Free International Gold Debit Card is providediii. 50 cheque book leaves free in a yeariv. Charges are recovered for Cash Deposit transactions in excess of 3 transactions per montha) Only (i) b) Both (i) & (ii)c) (i), (ii) & (iii) d) All of the above

8. Which of the following statement/s is/are correct in respect of Diamond variant ofCorporate Salary Package Account:i. Gross Monthly Salary should be between Rs. 50,000/- and Rs. 1.00 lac.ii. Free International Gold Debit Card is providediii. 100 cheque book leaves free in a yeariv. No limit on number of cash deposit transactions.a) Only (i) b) Both (i) & (ii)c) (i), (ii) & (iv) d) All of the above

9. Which of the following statement/s is/are correct in respect of Platinum variant ofCorporate Salary Package Account:i. Gross Monthly Salary should be more than Rs. 1,00,000/-.ii. Free International Gold Debit Card is providediii. No limit on the number of Cheques.iv. No limit on number of cash deposit transactions.a) Only (i) b) Both (i) & (ii)c) (i), (ii) & (iv) d) All of the above

10. Overdraft facility limited to 2 month’s Net Salary can be provided underCorporate Salary Package Account to(a) Platinum Account(b) Silver Account, Gold Account,(c) Silver Account, Gold Account & Diamond Account(d) All the four variants

11. The Defence Salary Package has _______ variants:a) 2 b) 3 c) 4 d) 5

12 Army personnel will be categorised into eligible variants as per their :a) Ranks b) Salariesc) Ranks and Salaries both d) None of the above.

13 Which of the following statement/s is/are correct in respect of Defence SalaryPackage Account?

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i. All Army personnel including the Defence Civilian Staff will be eligible to open DSP accounts. Currently however, civilians have been excluded.ii. The facilities under DSP accounts will be continued even for pension accounts after retirement, provided the officer/ PBOR has had his salary account with us and also draws his pension through us.iii. The Army numbers to be used in ID First field.iv. The DSP account can be operated as a joint account.a) Only (i) b) Both (i) & (ii)c) (i), (ii) & (iv) d) All of the above

SBI GOLD DEPOSIT SCHEME & RUPEE LOAN AGAINST GOLD DEPOSIT

14. Who can open Gold Deposit Account?(i) Individual (Singly or jointly)(ii) Hindu Undivided Family (HUF)(iii) Trust(iv) Company(a) Only (i) (b) (i) ,(ii) & (iii)(c) Both (i) & (ii) (d) All of the above

15. Which of the following statement/s is not correct in respect of joint account underSBI Gold Deposit scheme?a) Facility for deposits in two names, as `Former or Survivor', will beavailable to all categories of depositors.b) Subsequent addition of a second holder with payment instruction being`Former or Survivor' will also be permitted.c) The rights of the second holder will automatically lapse, when the firstapplicant transfers the SBI Gold Deposit Certificate to another person.d) None of the above

16. Under SBI Gold Deposit nomination facility will be available if the deposit is:a) In single name in individual capacityb) In Joint names in individual capacityc) To all type of depositorsd) Both a & b

17. ___________________ Branch has been designated as “Nodal Branch” for Gold Deposit Scheme:a) Mumbai Main Branch b) Overseas Branch, Mumbaic) New Delhi Main Branch d) Nagpur Branch

18. Under SBI Gold Deposit Minimum Quantity of gold that can be deposited is :a) 50 gms (gross) b) 100 gms (gross) c) 500 gms (net) d) 500 gms (gross)

19. Maximum tenor of Deposit under Under SBI Gold Deposit is :

a) 3 years b) 5 years c) 7 years d) 10 years

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20. Which of the following statement/s is not correct in respect of payment of interest under SBI Gold Deposit scheme?

a) The depositor will have the option of taking interest annually as on 31st March every year (i.e. non-cumulative) or compound it annually for payment at the time of maturity(i.e. cumulative).b) The interest will be calculated in grams but paid in rupees only.c) Interest will be payable from the date of deposit of gold with the designated branch.d) None of the above

21. Gold will be accepted in the ___________form.a) Gold bars & coins b) Scrapc) Jewellery without any stone, gem, etc. d) a) & c)

22. Which of the following statement/s is not correct in respect of repayment/redemption under SBI Gold Deposit scheme?

i) The depositor will have the option for redemption of the principal on maturity either in gold or in rupeesii) For redemption in gold, the deposit will be redeemed in gold of 995/999 fineness, in the multiples of 10 gm bars, at the discretion of the Bank. Any fraction quantity in excess of multiple of 10 gm bars will be repaid in rupees only.iii) In case the repayment in rupees is taken after the date of maturity, the rate applicable on the date of payment will be taken into account.iv) In case the maturity date is a non-business day in Mumbai, the deposit will be redeemed on the next working day (at the conversion rate of the date of maturity) and no additional interest will be paid for extra day(s).(a) Only (iv) (b) Only (iii) (c) Both (i) & (ii) (d) None of the above

23. Which of the following statement/s is not correct in respect of Rupee Loan against gold deposit?

i. Loan can be granted to all depositors under Gold Deposit Scheme.ii. In case of joint holding loan can be granted to all the depositors jointly.iii. Loan can not be given against deposits held on behalf of a minor.iv. Loan can not be given to third parties against deposits held by a Trust/HUF/ Minor.

(a) Only (i) (b) Only (iii) (c) Both (ii) & (iii) (d) None of the above

24. What is the minimum loan amount under Rupee Loan against gold deposit?a) Rs. 50,000/- b) Rs. 1,00,000/- c) Rs. 5,00,000/- d) Rs. 10,00,000/-

25. What is the maximum loan amount under Rupee Loan against gold deposit without any administrative clearance?

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a) Rs. 500,00,000/- b) Rs. 100,00,000/-c) Rs. 50,00,000/- d) Rs. 10,00,000/-

26. Margin under Rupee Loan against gold deposit is _____ of the principal value ofthe Gold Deposit Certificate.a) 20% b) 25% c) 30% d) 40%.

27. Loan under Rupee Loan against gold deposit may be sanctioned by :a) Designated branch b) All branchesc) Nodal Branch d) Both a) & c)

28. Which of the following statement/s is not correct in respect of Rupee Loan against gold deposit?a) The loan can be granted for any purpose.b) Maximum period of loan is 36 months.c) The loan can be either in the form of a Demand Loan or an Overdraft.d) None of the above.

KEYQUESTION ANSWER QUESTION ANSWER QUESTION ANSWER01 D 11 C 21 B02 A 12 A 22 B03 D 13 D 23 C04 C 14 D 24 B05 A 15 A 25 A06 D 16 A 26 B07 C 17 B 27 B08 C 18 D 28 B09 D 19 B10 D 20 C

‘P’ SEGMENT ADVANCES : HOME LOANS & HOME LOANS TO NRIs

TEST– 1

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1. Individual(s) over ______ years of age with independent source of regular income are eligible for finance under Housing Loan Scheme.a) 18 b) 20 c) 21 d) 25

2 The total project cost of Housing Loan includes:a) Cost of land, additional amenitiesb) Insurance premium, charges for purchasec) Stamp duty & registrationd) All of above

3. The maximum permissible loan amount under H/L scheme, for an applicant islinked to _________a) age b) tenure c) EMI/NMI ratio d) none of the above

4. For determining maximum permissible Housing Loan amount of a customer having Annual Income upto Rs. 2 lacs, the EMI/NMI ratio should not exceed__________%a) 40 b) 50 c) 55 d) 60

5. For determining maximum permissible Housing Loan amount of a customer having Annual Income above Rs. 2 lacs and upto Rs. 5 lacs, the EMI/NMI ratio should not exceed__________%a) 40 b) 50 c) 55 d) 60

6. For determining maximum permissible Housing Loan amount of a customer having Annual Income above Rs. 5 lacs, the EMI/NMI ratio should not exceed__________%a) 40 b) 50 c) 55 d) 60

7. What is the maximum repayment period under HL Scheme for individuals upto45 years of age?a) 12 years b) 15 years c) 20 yearsd) 25 years subject to liquidation of the loan before the borrower reaches the age of 70 years

8. What is the maximum repayment period under HL Scheme for individuals over 45years of age?a) 12 years b) loan should be liquidated before the borrower reaches the age of 70 yearsc) 20 years d) 25 years

9. HL should be full repaid by the age of _____years.a) 58 b) 70 c) 60 d) No such limit

10. The maximum permissible loan amount under H.L. Scheme for furnishing and consumer durables is: _____________.a) 10 % of the project cost or Rs. 2 lacs whichever is less.b) 20 % of the project cost or Rs. 3 lacs whichever is less.c) 10 % of the project cost or Rs. 3 lacs whichever is less.d) 10 % of the project cost or Rs. 4 lacs whichever is less.

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11. The minimum margin required under H.L. Scheme for purchase / construction ofa house/ flat, for a loan upto Rs 30 lacs , is : __________.a) 10 % of project cost b) 15 % of project costc) 20 % of project cost d) 25 % of project cost

12. The minimum margin required under H.L. Scheme for purchase/ construction of a house/ flat, for a loan above Rs.30 lacs & upto Rs. 75 lacs, is : _____________.a) 10 % of project cost b) 25 % of project costc) 20 % of project cost d) 30 % of project cost

13. The minimum margin required under H.L. Scheme for purchase/ construction of a house/ flat, for a loan above Rs. 75 lacs, is : _____________.a) 10 % of project cost b) 25 % of project costc) 40 % of project cost d) 30 % of project cost

14. What is the amount of Pre-closure penalty chargeable for prepayment of loanunder Housing Loan scheme?a) 1.5 % on the amount prepaid.b) 1 % on the amount prepaid, in case of take over of loan by other banksc) No penalty is chargeable for prepayment of loan.d) 2% penalty on the amount prepaid in excess of normal EMI if Housing Loan is pre-closed within 3 years from date of commencement of repayment

KEYQUESTION ANSWER QUESTION ANSWER01 A 11 C02 D 12 C03 C 13 B04 A 14 D05 B06 C07 D08 E09 B10 C

PERSONAL SEGMENT ADVANCESHOME LOANS & HOME LOANS TO NRIs

TEST – 2

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1. No. of Co-borrower is ordinarily restricted to maximum______ including spouse with son/daughter. However AGM(Region/Branch) can relax maximum no of co-borrowers.a) 1 b) 2 c) 3 d) no such limit

2. The Moratorium period ordinarily available under HL Scheme building upto 7 floors is: ______________

a) 12 months from the date of first disbursement or 2 months after completion, whichever is earlierb) 18 months from the date of first disbursement or 2 months after completion, whichever is earlierc) 18 months from the date of first disbursement or 3 months after completion, whichever is earlierd) 24 months from the date of first disbursement or 2 months after completion, whichever is earlier

3. Housing loans upto Rs. _______ lac (both direct and indirect) granted at all centres are now treated as Priority Sector advances.a) 5 b) 10 c) 15 d) 20

4. Can more than one loan be granted to an individual?a) Nob) Yes, provided he fulfills the income criteria as also EMI/NMI ratio do not exceed the prescribed limitc) Subject to satisfactory conduct of existing loan for a minimum period of 1 year.d) b & c both

5. Under Housing Loan Scheme, when the income of spouse or son/daughter is clubbed with the borrower he is made ______a) guarantor b) borrowerc) co-borrower d) there is no such requirement

6. Home loan borrowers can claim Income Tax benefits under section 80C upto Rs. ___________ in respect of principal repayment of Home Loans.a) 20,000/- b) 30,000/-c) 1,00,000/- d) 1,50,000/-

7. While computing the taxable income, deduction on account of interest (paid during the year on capital borrowed) upto a maximum of Rs. ________ is available if such loan has been taken on or after 01.04.99 for constructing or acquiring the residential house.a) 20,000/- b) 30,000/-c) 1,00,000/- d) 1,50,000/-

8. Periodicity of inspection of Housing Loan is:a) Initial inspection(s) at the time of disbursement/release of installments during construction and once every 3 years thereafter.

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b) If repayments are in arrears for two successive months, inspection should be conducted immediatelyc) For NPAs : at half-yearly intervals.d) All of the above

KEYQUESTION ANSWER01 C02 B03 D04 D05 C06 C07 D08 D

PERSONAL SEGMENT ADVANCESHOME LOANS

TEST – 3

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1. For which purpose loan under SBI-Optima scheme( Additional Home Loan) can be granted ?a) expenditure towards major repair and renovationb) addition to residential house/flatc) purchase of furniture and fixture and consumer durables etc.d) All of above

2. Periodicity of inspection of Housing Loan granted under SBI Optima is:a) Every 3 years after initial inspection(s)b) If repayments are in arrears for two successive months, then immediatelyc) For NPAs : at quarterly intervals.d) All of the above

3. For which purpose loan under SBI-Home Plus scheme can be granted?a) expenditure towards major repair, renovation and addition to residential house/flatb) purchase of furniture and fixture and consumer durables etc.c) education/medical expenses of family, personal expenses etc.d) All of above

4. What is the minimum and maximum amount eligible under SBI-Home Plus?a) Rs. 25000/-& 10,00,000/- b) Rs. 15000/-& 2,00,000/-c) Rs. 25000/-& 5,00,000/- d) Rs. 5000/-& 10,00,000/-

5. The moratorium within the overall repayment period of loan granted under SBI Home Plus can be permitted upto _____months subject to servicing of interest.A) 3 b) 2c) 6 d) 12

6. How many loans can be granted under SBI Home Plus within overall ceiling ofRs. 10,00,000/-a) 1 b) 2 c) 3 d) 4

7. The Security under Loan for Earnest Money will be ________if allotment letter/ refunds are routed through SBIa) upto Rs. 2.50 lacs: TPGb) above Rs. 2.50 lacs: Permanent employees of reputed organization with check-off facility and TPGc) no security is requiredd) either a or b as applicable

8. The Security under Loan for Earnest Money will be ________if allotment letter/ funds are not routed through SBIa) TPG good for the amountb) Tangible security in the form of NSC/IVP/TDR/Life Policy of at least 50% of loan amount

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c) In case of TPG not available, tangible security to the extent of 110% of the loan amount.d) a & b both and c where applicable

KEYQUESTION ANSWER01 D02 D03 D04 A05 D06 B07 D08 D

PERSONAL SEGMENT ADVANCESHOME LOANS

TEST – 4

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1. Loan under SBI Reality is granted for:a) purchase of house b) construction of housec) purchase of shop d) purchase of plot of land for construction of a house

2. What is the maximum loan amount under SBI Reality?a) Rs.10 lacs b) Rs. 50 lacsc) Rs.1 Cr. d) Rs. 10 Cr.

3. Maximum time period stipulated for construction of house under SBI realtyscheme is______, from the date of disbursement of loan.a) 2 years b) 3 yearsc) 5 years d) 4 years

4. Maximum time period stipulated for construction of house under SBI realty scheme, in case of plots purchased from Govt. sponsored housing development agencies is______a) 2 years from the date of disbursement of loanb) 3 years from the date of disbursement of loanc) 5 years from the date of disbursement of loand) within 2 years from the date of handing over of possession.

5 What is the penalty in case of delay in construction of house under SBI Reality?a) Clean overdraftb) Interest Rate applicable to Personal Loan against Mortgage of Immovable Propertyc) 1% above the Bank’s PLRd) b or c whichever is higher

6 Which type of credit facility can be granted under SBI Maxgain?a) Cash Credit b) Term Loand) Clean OD d) Overdraft

7. For being eligible under SBI Maxgain, existing/prospective customer should haveminimum balance of Rs._______ in their SB/Current Accounta) Rs. 10,000/- b) Rs. 5000/-c) Rs. 2000/- d) Rs. 1000/-

8. The criteria of minimum balance in SB/Current account for being eligible for SBIMaxgain can be relaxed, if the customer is having______acccount with us.a) Cash Credit account b) Overdraft accountc) Term Loan account d) Salary account

9. Cheque book/ ATM cum Debit Card and Internet Banking facility shall be provided to the SBI Maxgain housing loan borrower ___________a) At the time of opening the A/C b) On completion of the housec) After full disbursement of loan d) 6 months after the sanction of loan

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10 SBI-Freedom Home Loan was launched for waiver of mortgage of the property financed in lieu thereof pledge of which of the undernoted liquid securities can be taken?a) Term Deposit(including NRE/FCNB deposits) in own name/in the name of third partyb) NSC/KVP in own name/in the name of third partyc) Life insurance policies from LIC/SBI Life/Other Life Insurance companies in own named) All of above

11 he maximum limit under SBI Maxgain housing loan is :a) Rs. 10.00 lacs b) Rs. 30.00 lacsc) Rs. 50.00 lacs d) No upper limit

KEYQUESTION ANSWER01 D02 D03 A04 D05 D06 D07 B08 D09 C10 D11 B

PERSONAL SEGMENT ADVANCESHOME LOANS

TEST – 5

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1. ‘Gram Niwas’ Scheme is applicable in all rural and semi-urban centres. ‘Rural Area’ for the purpose of the Scheme is the area comprised in any village including the area comprised in any town, the population of which does not exceed ________ as per 2001 census.a) 10,000 b) 12,000c) 20,000 d) 50,000

2. Which type of facility can be granted under ‘Gram Niwas Scheme?a) Term Loan b) Overdraftc) Clean Overdraft d) a or b

3. The loan amount available under ‘Gram Niwas’ Scheme, for construction is Rs.___________a) 1,00,000/- b) 2,00,000/-c) 3,00,000/- d) 5,00,000/-

4. The maximum loan amount available under ‘Gram Niwas’ Housing Loan Scheme, for repairs/renovation of house, is:___________a) Rs. 50,000/- b) Rs. 75,000/-c) Rs. 1,00,000/- d) Rs. 2,00,000/-

5. The maximum loan amount available under ‘Gram Niwas’ Housing Loan Scheme, for purchase of land is:___________a) Rs. 50,000/- b) Rs. 75,000/-c) Rs. 1,00,000/- d) Rs. 2,00,000/-

6. The margin required under ‘Gram Niwas’ Scheme for loan upto Rs. 50,000/- is ___________a) 5 % of project cost b) 10 % of project costc) 15 % of project cost d) 20 % of project cost

7. The margin required under ‘Gram Niwas’ Scheme for loan above Rs. 50,000/- and upto Rs. 5.00 lac is___________a) 5 % of project cost b) 10 % of project costc) 15 % of project cost d) 20 % of project cost

8. Age criteria under ‘Gram Niwas’ Scheme is:a) 18 to 60 years b) 21 to 60 yearsc) 21 to 65 years d) 18 to 50 years

9. The rate of interest applicable under ‘Gram Niwas’ and ‘Sahyog Niwas’ Schemesis ________ % below the card rate applicable under GJRHFS.a) 0.25 % b) 0.50 %c) 0.75 % d) 1.00 %

10. The maximum repayment period available under ‘Gram Niwas’ Scheme, as well as under ‘Sahyog Niwas’ Scheme, is: ____________ .a) 7 years b) 10 yearsc) 15 years d) 20 years

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11. Sahyog Niwas Scheme relates to----------------a) Financing SHG for on lending to members for housing in rural areas.b) People residing in same village cooperate each other.c) Scheme for financing rural people for construction of houses.d) None of the above

12. Sahyog Niwas Scheme is operational in----------------a) In rural and semi urban areas where SHGs are operating.b) In urban areas .c) Both a & b.d) None of the above

13. For being eligible under “Sahayog Niwas’ Scheme, SHGs should be in existence,with good track record of payment, for more than ____________.a) 6 months. b) 1 yearc) 2 years d) 3years

14. The maximum amount of housing loan under “Sahyog Niwas” Scheme, is______________( including the loan outstanding in the limits already sanctioned to SHGs).a) 4 times the saving of the corpus of SHGb) 5 times the saving of the corpus of SHGc) 8 times the saving of the corpus of SHGd) 10 times the saving of the corpus of SHG

15. Under “Sahyog Niwas’ Scheme, after the disbursement of loan, SHG will on lend to its members for housing subject to a maximum of Rs._________ per member for purchase/construction of house OR Rs._________ for repairs / renovations /purchase of plot.a) 50,000/-, 25,000/- b) 75,000/-, 40,000/-c) 1,00,000/-, 50,000/- d) 2,00,000/-, 1,00,000/-

16. Under “Sahyog Niwas’ Scheme, SHGs should not charge to its members morethan _______% of interest rate charged by the Bank.a) 2 b) 3c) 4 d) 5

KEY

QUESTION ANSWER QUESTION ANSWER QUESTION ANSWER01 D 11 A02 D 12 C

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03 D 13 C04 D 14 D05 C 15 A06 B 16 B07 C08 D09 A10 C

PERSONAL SEGMENT ADVANCESSBI ADVANTAGE & EASY HOME LOAN SCHEMES

TEST – 61. What is the maximum permissible amount of loan under SBI Easy Home Loan (May 2010)?a) Rs. 10 lacs b) Rs.50 lacs

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c) Rs. 30 lacs d) Rs. 25 lacs

2. What is the maximum permissible amount of loan under SBI Easy Home Loan (1st May 2010 to 30th May 2010)?a) Rs.100 lacs b) Rs. 50 lacsc) Rs. 30 lacs d) Rs. 25 lacs

3. What is the permissible amount of loan under SBI Advantage Home Loan (May ’10)?a) Above Rs.100 lacs b) Above Rs.50 lacsc) Above Rs.30 lacs d) Above Rs.25 lacs

4. What is the permissible amount of loan under SBI Advantage Home Loan during 1st May 2010 to 30th May 2010?a) Above Rs.100 lacs b) Above Rs.50 lacsc) Above Rs.30 lacs d) Above Rs.25 lacs

5.. Which type of credit facility can be granted under SBI Easy Home Loan ?a) Overdraft b) Term Loanc) Clean OD d) Term Loan or Overdraft

6. The ceiling for granting Home Loan under Maxgain during the campaign period has been raised to :a) Rs.100 lacs b) Rs.50 lacsc) Rs. 30 lacs d) Rs.20 lacs

7. Under SBI Easy Home Loan and SBI Advantage Home Loan, under Fixed interest rate, the reset frequency after 3rd year is after a period of -----a) 5 years b) 2 yearsc) 3 years d) As per borrower’s option

8. Under SBI Easy Home Loan and SBI Advantage Home Loan, the concessional rate of interest @8% will be applied for a period of ------a) 3 years b) 5 yearsc) 2 years d) 1 year

9. The following concessions have been given to the borrowers availing Home Loan under SBI Green Home Loan------a) 5% concession in marginb) 0.25% concession in interest ratec) Waiver of processing feed) All of the abovee) Only ‘a’ & ‘b’

KEY

QUESTION ANSWER01 B02 B

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03 B04 B05 D06 B07 A08 D09 D

PERSONAL SEGMENT ADVANCESCAR LOAN

TEST – 1

1. Minimum income criteria to be eligible under SBI Car Loan Scheme is?a) Net annual income should be at least Rs. 75,000/b) Net annual income should be at least Rs. 50,000/-

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c) Net annual income should be at least Rs. 100,000/-d) Net annual income should be at least Rs. 60,000/

2. The Minimum and Maximum age criteria for borrowers to be eligible under SBI Car Loan scheme is:a) 18-60 years b) 21-45 yearsc) 21-65 years d) 21-60 years

3. Under SBI Car Loan Scheme, the maximum loan amount that can be granted to salaried persons would be restricted to ________ times the net monthly income.a) 36 b) 30c) 24 d) 18

4. Under SBI Car Loan Scheme, the maximum loan amount that can be granted to professionals, self employed, agriculturists etc., would be restricted to ______ times the net annual income.a) 1.5 b) 2c) 2.5 d) 3

5. What is the maximum loan amount under SBI Car Loan Scheme for purchase of new Vehicle?a) Rs. 15 lacs b) Rs. 10 lacsc) Rs. 50 lacs d) No upper ceiling

6. Under SBI Car Loan Scheme, EMI should not exceed ______ of Net Monthly Income.a) 50% b) 60%c) 57.50% d) 40%

7. The margin required for purchase of new & used car under SBI Car Loan Scheme is _______% of ‘on road’ price.a) 5 b) 15 c) 10 d) 20

8. Under SBI Car Loan Scheme, when the income of spouse or son/daughter is clubbed with the borrower he is made ______a) Guarantor b) borrowerc) Co-borrower d) there is no such requirement

9. Prepayment penalty is levied @__________under SBI Car Loan Scheme.

a) 1 % of the amount prepaid.b) 1.5% of the amount prepaid.c) 2 % of the amount prepaid, irrespective of the time of prepayment.

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d) 2% of the amount prepaid if the loan is taken over by other bank, or if the amount is repaid before expiry of half of the agreed tenure of loan, or if there is partial repayment during the 1st year.

10. What is the maximum permissible age of the vehicle under Car loan Scheme for used vehicle?a)2 years b) 4 yearsc) 5 years d) 7 years

11. What is the maximum loan available under Car loan Scheme for used vehicle?a) Rs.10 lacs b) Rs.20 lacsc) Rs.15 lacs d) No limit

12. What is the maximum time schedule for sanction/disbursal of the loan?a) 2 Days b) 5 Daysc) 7 Days d) No such guidelines

13. Processing fee on Car Loans is charged at the rate of _____ % of the loan amount. The minimum amount is Rs. 500/- & max. Rs. 10,000/-a) 0.25 b) 0.50c) 1.00 d) Nil

14. What will be the repayment period of a loan granted for purchase of a used vehicle?a) 3 years b) 5 yearsc) 7 years d) The loan will be repaid within 7 years from the date of original purchase.

KEY – CAR LOAN – TEST - 1

QUESTION ANSWER QUESTION ANSWER01 C 11 C02 C 12 A03 B 13 B04 C 14 D05 D

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06 A07 B08 C09 D10 C

PERSONAL SEGMENT ADVANCESSBI ADVANTAGE CAR LOAN & SBI EZEE CAR LOAN SCHEME

TEST - 3

1 The Minimum and Maximum age criteria for borrowers to be eligible under SBI Advantage Car Loan scheme is:a) 18-60 years b) 21-45 yearsc) 21-65 years d) 21-60 years

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2 Under SBI Advantage Car Loan Scheme, the maximum loan amount that can be granted to salaried persons would be restricted to ________ times the net monthly income.a) 36 b) 48c) 24 d) 30

3 Under SBI Advantage Car Loan Scheme, the maximum loan amount that can be granted to professionals, self employed, agriculturists etc., would be restricted to ______ times the net annual income.a) 2.5 b) 2c) 4 d) 3

4. What is the maximum loan amount under SBI Advantage Car Loan Scheme for purchase of Vehicle?a) Rs. 15 lacs b) Rs. 10 lacsc) Rs. 50 lacs d) No upper ceiling

5. Under SBI Advantage Car Loan Scheme, EMI should not exceed ______ of Net Monthly Income.a) 50% b) 60%c) 57.50% d) 40%

6. The margin required for purchase of car under SBI Advantage Car Loan Schemeis _______% of ‘on road’ price.a) 5 b) 15c) 10 d) 20

7. The margin will be of on road price i.e inclusive of one time road tax, Octroi, registration charges, insurance premium and accessories and cost of accessories not to exceed ___% of cost of vehicle or Rs.________, whichever is less.a) 10, 10,000/- respectively b) 5, 25,000/- respectivelyc) 15, 20,000/- respectively d) 25, 25,000/- respectively

8. Under SBI Advantage Car Loan Scheme, when the income of spouse is clubbed with the borrower he/she is made ______a) guarantor b) borrowerc) co-borrower d) there is no such requirement

9. Under SBI Advantage Car Loan Scheme, loans up to Rs. __________ may be granted on fixed interest rate basis.a) 3 lac b) 5 lacc) 10 lac d) loan on fixed rate of interest basis is not granted.

10. A SBI Advantage Car loan should be repaid withina) Maximum 7 years for allb) Within 7 years (Salaried), 5 yrs (Self-emp & Professionals) of original purchasec) Within 7 years (Salaried), 5 yrs (Self-emp & Professionals) of purchase of used car

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d) Within 5 years (Salaried), 3 yrs (Self-emp & Professionals) of purchase of used car

11. Prepayment penalty is levied @__________under SBI Advantage Car Loan Scheme.a. 1 % of the amount prepaid. b. 1.5% of the amount prepaid.c. 2 % of the amount prepaid, irrespective of the time of prepayment.d. 2% of the amount prepaid if the loan is taken over by other bank, or if the amount is repaid before expiry of half of the agreed tenure of loan, or if there is partial repayment during the 1st year.

12. What is the minimum loan available under SBI Advantage Car loan Scheme?a) Rs. 2 lacs b) Rs.10 lacsc) Rs. 5 lacs d) Rs.1 lac

13. SBI EZEE CAR LOAN SCHEME" is applicable to :a) All new car loansb) All new car loans for loan up to Rs. 5.00 lacsc) For all car loans including take overd) All new car loans for loan up to Rs. 50.00 lacs

14. Loan can be sanctioned as _________under "SBI EZEE CAR LOAN SCHEME" :

a) Term Loan b) Overdraftc) Demand Loan d) Both (a) & (b)e) All of the above

15. Under "SBI EZEE CAR LOAN SCHEME" (Term Loan) Interest Rate for the 1st, 2nd & 3rd year is :

a) 8%, 9% & 10% respectively b) 8%, 9% & 9.5% respectivelyc) 8%, 10% & 10% respectively d) 8%, 8.5% & 10% respectively

KEYQUESTION ANSWER QUESTION ANSWER01 C 11 D02 B 12 C03 C 13 A04 D 14 D05 A 15 C06 B07 B08 C09 D

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10 A

PERSONAL SEGMENT ADVANCESEDUCATION LOAN

TEST – 1

1. SBIs Education loan scheme has been renamed as __________________ schemea) SBI Student Loan b) SBI Ezee Loanc) EduShield c) SBI Advantage Loan

2. Maximum loan available to a student for studies in India under “SBI Student Loan” is:_______

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a) Rs. 7.5 lac b) Rs. 10 lacc) Rs. 15 lac d) Rs. 20 lac

3. Maximum loan available to a student for studies abroad under “SBI Student Loan” is: _______a) Rs. 10 lac b) Rs. 15 lacc) Rs. 20 lac d) Rs. 25 lac

4. Minimum margin required for loans up to Rs. 4 lac under “SBI Student Loan” is:___________a) 15 % b) 10 %c) 5 % d) NIL

5. Minimum margin required for loans above Rs. 4 lac for studies in India under“SBI Student Loan” is : ___________a) 15 % b) 10 %c) 5 % d) NIL

6. Minimum margin required for loans above Rs. 4 lac for studies abroad under “SBIStudent Loan” is : ___________a) 15 % b) 10 %c) 5 % d) NIL

7. Under “SBI Student Loan”, repayment of loan will commence from____________________________________ , whichever is earlier.a) 6 months after completion of course or 6 months after securing a jobb) 6 months after completion of course or 3 months after securing a jobc) One year after completion of course or 3 months after securing a jobd) Course period + 1 year, or 6 months after getting job

8. Under “SBI Student Loan” the repayment period (after commencement of repayment) allowable for loans granted for studies in India is: ___________.a) 5 years only b) 5 to 7 yearsc) 5 to 10 years d) 3 to 7 years

9. Under “SBI Student Loan” the repayment period (after commencement ofrepayment) allowable for loans granted for studies abroad is: ___________.a) 7 years only b) 5 to 15yearsc) 5 to 10 years d) 5 to 7 years

10. Under “SBI Student Loan”, for loan amount up to Rs. 4 lac granted for studies inIndia as well as for studies abroad, the security to be obtained isa) No security. b) Suitable Third Party Guaranteec) Tangible Collateral Security of suitable value or Third Party Guarantee with assignment of future income of the student for payment of installmentsd) Tangible Collateral Security for full value of loan

11. As per Reserve Bank of India guidelines, education loans up to the ceilings of

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_____________are reckoned under priority sector advances.a) Rs. 10 lacs for studies in Indiab) Rs. 20 lacs for studies abroad,c) Rs. 10 lacs for studies in India & abroadd) Both (a) & (b)

12. Under “SBI Student Loan”, concession of ______ % in interest rate is allowed if full interest is serviced during the moratorium period.a) 0.5 b) 1c) 1.5 d) No concession is allowed

13. Under “SBI Student Loan”, processing fee is charged @ _____ of the loan amount.a) Nilb) 0.25 %c) For loan upto Rs. 4 lac – Nil, for loan above Rs, 4 lac – 0.55 %d) For loan upto Rs. 4 lac – Nil, for loan above Rs, 4 lac – 1.10 %

14. Under “SBI Student Loan”, how many wards of a parent/guardian can be covereda) 1 b) 2c) Family to be taken as unit d) No such limit

15. The maximum loan amount available under “SBI Scholar Loan” scheme is______a) Rs. 7.5 lac b) Rs. 10 lacc) Rs.15 lac d) Rs.20 lac

16. The minimum margin required for a loan above Rs. 4 lac under “SBI Scholar Loan” scheme is:___________a) NIL b) 5 %c) 10 % d) 15 %

KEYQUESTION ANSWER QUESTION ANSWER01 A 11 D02 B 12 B03 C 13 A04 D 14 D05 C 15 C06 A 16 B07 D08 B09 D10 A

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PERSONAL SEGMENT ADVANCESPENSION LOANS

TEST – 1

1. SBI loan to the pensioners is available to all pensioners drawing pension from our branches aged __________ years or less.a) 65 b) 70c) 72 d) No age bar.

2. The ceiling for amount of loan for pensioners under “SBI loan to pensioners” is:_______a) Maximum 12 months’ net pension with a ceiling of Rs. 50,000/-

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b) Maximum 12 months’ net pension with a ceiling of Rs. 60,000/-c) Maximum 12 months’ net pension with a ceiling of Rs. 75,000/-d) Maximum 12 months’ net pension with a ceiling of Rs. 100,000/-.

3. The ceiling for amount of loan for ‘Family Pensioners’ under “SBI loan to pensioners” is:_______a) Maximum 9 times the family net pension with a ceiling of Rs. 50,000/-b) Maximum 9 times the family net pension with a ceiling of Rs. 75,000/-c) Maximum 12 times the family net pension with a ceiling of Rs.75,000/-d) Maximum 12 times the family net pension with a ceiling of Rs. 100,000/-.

4. Under “SBI loan to pensioners”, the age of the family pensioner should not exceed ________ years, for eligibility under the scheme.a) 62 b) 65c) 70 d) 72

5. Under “SBI loan to pensioners”, for pensioners of age up to 70 years, the repayment is restricted to:__________ EMIsa) 36 b) 48c) 60 d) 72

6. Under “SBI loan to pensioners”, for pensioners of age above 70 years and up to 72 years, the repayment is restricted to:__________ EMIsa) 36 b) 48c) 60 d) 72

7. Jai Jawan Pension Loan Scheme has been launched to meet the personal expenses of young Defense Pensioners up to the age of _______years.a) 60 b) 50c) 65 d) 55

8. The eligible loan amount under Jai Jawan Pension Loan Scheme is ________a) 45 times net monthly pension subject to maximum Rs. 1 lacb) 50 times net monthly pension subject to maximum Rs. 2 lacc) 48 times net monthly pension subject to maximum Rs. 2 lacd) None of the above

9. The maximum repayment period under Jai Jawan Pension Loan Scheme is________a) 60 months b) 48 monthsc) 45 months d) 84 months

10. No guarantee is required to be taken in case loan granted under Jai Jawan Pension Loan Scheme is below Rs. ________a) 50,000/- b) 25,000/-c) 15,000/- d) 20,000/-

11. SBI Loan to Pensioners is given as ______________.

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a) TL b) DLc) OD d) WCDL

12. Life Certificate in the month of ___________________ every year has to be obtained from all pensioners maintaining Pension Accounts.a) April b) Januaryc) November d) Need not be obtained.

KEYQUESTION ANSWER QUESTION ANSWER01 C 11 B02 D 12 C03 A04 B05 C06 B07 B08 C09 D10 B

PERSONAL SEGMENT ADVANCESPERSONAL LOAN SCHEMES

TEST – 1

1. State Bank’s personal Loan Scheme has been simplified & renamed as ________.a) SBI Saral b) SBI Visheshc) SBI Homeline d) None of the above.

2. To be eligible under “SBI Saral” an employee should have minimum _____ year’s length of service.a) 1 b) 2c) 3 d) There is no such stipulation

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3. To be eligible under “SBI Saral” an applicant should score minimum ______ marks in the Credit Scoring Model.a) 50 b) 60c) 70 d) There is no such stipulation.

4. The minimum repayment period available under “SBI Saral” is ___________a) 6 months b) 4 monthsc) 3 months d) 2 months

5. The maximum repayment period available under “SBI Saral” is : ____________a) 36 months b) 48 monthsc) 60 months d) 72 months

6. The minimum amount of loan available in rural/semi-urban centres under “SBISaral” is Rs.___a) 10,000/- b) 20,000/-c) 24,000/- d) 25,000/-

7. The minimum amount of loan available in metro/urban centres under “SBI Saral” is Rs.______a) 20,000/- b) 24,000/-c) 25,000/- d) 50,000/-

8. The maximum amount of loan available in all centres under “SBI Saral” is: _____a) 12 months NMI with a ceiling of Rs. 5,00,000/-b) 12 months NMI NAI, with a ceiling of Rs. 7,50,000/-c) 12 months NMI/ 1 year’s NAI, with a ceiling of Rs. 10,00,000/-d) 12 months NMI 1year’s NAI, with a ceiling of Rs. 15,00,000/-

9. What should be the minimum net monthly income (NMI) of an employee to be eligible for a loan under “SBI Saral”?a) Rs. 4,000/- b) Rs. 5,000/-c) Rs. 6,000/- d) Rs. 10,000/-

10. Under “SBI Saral”, if the borrower scores between 50 to 60 in the Credit ScoringModel, the processing fee will be charged @ ______ % of loan amount.a) 3.00 b) 2.00c) 1.50 d) 1.00

11. Xpress Credit is sanctioned to _______a) Professional & self employedb) Businessmanc) Employeesd) All of the above

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12. Under “Xpress Credit Scheme”, the minimum Net Monthly Income (NMI) required for eligibility under the scheme should be:_____________a) Rs. 2,500/- b) Rs. 3,000/-c) Rs. 5,000/- d) Rs. 6,000/-

13. Under “Xpress Credit Scheme”, the minimum Net Monthly Income (NMI) required for eligibility under the scheme may be reduced to Rs.______only if salary account of entire enterprise are with us.a) Rs. 2,500/- b) Rs. 3,000/-c) Rs. 4,000/- d) Rs. 1,000/-

14. The minimum amount of loan available under “Xpress Credit Scheme” is: Rs.________.a) 10,000/- b) 20,000/-c) 24,000/- d) 25,000/-

15. The maximum quantum of Demand Loan available under “Xpress Credit Scheme”, is:a) 12 months NMI, with a ceiling of Rs. 5,00,000/-b) 12 months NMI, with a ceiling of Rs. 7,50,000/-c) 18 months NMI, with a ceiling of Rs. 10,00,000/-d) 18 months NMI, subject to EMI/NMI percentage not exceeding 50%.

16. Under “Xpress Credit Scheme”, the Demand Loan should be repaid within a maximum repayment period of :____________a) 36 months b) 48 monthsc) 60 months d) 72 months

17. What should be the minimum net monthly income (NMI) of an employee to be eligible for a loan under “Festival Loan Scheme for Public”?a) Rs. 2,500/- b) Rs. 3,000/-c) Rs. 4,000/- d) Rs. 5,000/-

18. The minimum amount of loan available under “Festival Loan Scheme for Public” is Rs.___________a) 3,000/- b) 4,000/-c) 5,000/- d) 10,000/-

19. The maximum amount of loan under “Festival Loan Scheme for Public” is generally restricted to: ________________.a) 2 times NMI, maximum Rs. 20,000/-b) 5 times NMI, maximum Rs. 30,000/-c) 8 times NMI, maximum Rs. 40,000/-d) 4 times NMI, maximum Rs. 50,000/-

20. The loan under “Festival Loan Scheme for Public” should be repaid within a maximum period of __________ months.a) 10 months b) 12 monthsc) 15 months d) 18 months

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21. Under “Personal Loan Against Mortgage of Immoveable Property”, individuals who are less than _________ years of age, are eligible for finance.a) 60 b) 65c) 70 d) 72

22. The minimum amount of loan that can be granted under “Personal Loan AgainstMortgage of Immoveable Property”, is: _________a) Rs. 25,000/- b) Rs 50,000/- c) Rs 1 lacs d) Rs 200000/-

23. What is the objective of launching Reverse Mortgage Loan?a) Withdrawal of Mortgage already created by the borrowerb) To provide a source of additional income for citizens of India who own self-acquired and self occupied house property in Indiac) To provide a source of additional income for senior citizens of India who own self-acquired and self occupied house property in Indiad) None of the above

24. Reverse Mortgage Loan will be granted in the name of _________a) single borrower b) single or jointly with spouse in case of living spousec) in the name of spouse d) none of the above

25. Which type of facility is granted under Reverse Mortgage Loan?a) Term Loan b) Cash Creditc) Demand Loan d) Non-renewable Overdraft without ledger folio charges

KEYQUESTION ANSWER QUESTION ANSWER QUESTION ANSWER01 A 11 C 21 A02 A 12 C 22 A03 A 13 B 23 C04 A 14 A 24 B05 B 15 D 25 D06 A 16 B07 B 17 B

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08 C 18 C09 B 19 D10 A 20 B

NEW TECHNOLOGY PRODUCTSGENERAL AWARENESS - (COMPUTERS-1)

TEST – 1

1. Central Data Centre for Core Banking Operations situated ata) Kolkata b) Belapurc) Nagpur d) Pune

2. SBI’s Internet banking site is maintained bya) Sify b) Infosys c) TCS d) Wipro

3. Internet Banking facilitatesa) Customer can see 2 different accounts in 2 different branches in a single server

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b) Request for issue of Bank draftc) Booking of railway tickets / pay utility billsd) All of the above

4. What is the new name of C&C Deptt. At LHOsa) IT Services Deptt. b) Information & Communication depttc) There is no change in name d) None of the above

5. General facilities provided by an ATM area) Cash withdrawal b) Cash depositc) Transfer of fund from one account to another account d) All of the above

6. What is SBIfasta) Speedy delivery of drafts b) SBI Funds Available at Short Timec) Fast cash at ATM d) None of the above

7. What is INFINETa) Information on Internet b) Indian Financial network, set up RBIc) Internal information network d) None of the above

8. UPS stand fora) Uninterrupted Power supply b) Uniform power systemc) Uninterrupted Power system d) none of these

9. DOSCIS software is developed bya) TCS b) MIS Deptt ,Corporate Centre, Mumbaic) IT Deptt ,Corporate centre, Mumbai d) None of the above

10. “IT FORUM” is published bya) Staff College , Hyderabad b) SBA, Gurgaonc) SBIICM ,Hyderabad d) None of the above

11. What is Home Pagea) First page of the book b) First page of the websitec) Last page of the website d) None of the above

12. Expand MICRa) Marginal ink Character Recognition b) Magnetic ink Character Recognitionc) Magnetic ink Character record d) None of the above

13. What does ROM stand fora) Read on memory b) Read only memoryc) Read out memory d) None of the above

14. What does IDRBT stand fora) Industrial Development and Research in Banking Technologyb) Institute for Development and Research in Banking Technologyc) Institute for Rural Development in Banking Technologyd) None of the above

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15. Name the application that helps us to make presentations?a) Word b) Excelc) Power point d) Access

16. CPU consist ofa) ALU b) Main Memoryc) Control Unit d) All of the above

17. What is the expansion of LANa) Locally Arranged Network b) Local Area Networkc) Location Adjusted Network d) None of the above

18. National Technology Day is celebrated ona) 11th May b) 1st Julyc) 11th June d) 11th July

19 Under the Fast Cash option, cash can be withdrawn in fixed amounts of -------from the State Bank ATMsa) Rs. 1000/- , Rs. 2000/- b) Rs. 5000/- , Rs. 10,000/-.c) Rs.1000/-,, Rs. 2000/-, Rs3000/- or Rs. 5000/- d) None of the above

20 What is the expansion of WAN

a) Whole Area Network b) Wide Area Networkc) Wide Access Network d) None of the above

KEYQUESTION ANSWER QUESTION ANSWER01 B 11 B02 A 12 B03 D 13 B04 A 14 B05 D 15 C06 B 16 D07 B 17 B08 A 18 C09 C 19 C10 C 20 B

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NEW TECHNOLOGY PRODUCTSGENERAL AWARENESS - (COMPUTERS -2)

TEST – 2

1. When your ATM-cum-Debit card is lost or misplaced what immediate steps would you take ?a) Contact Toll free help line, inform loss of card and make request to HOT/Block the card and stop the operations of the card.b) Inform immediately the card issuing branch telephonically about the loss of card followed by written request to make the card HOT/BLOCK.c) Both a & b.d) None of the above

2. What are the charges for new Domestic ATM card issue?

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a) Rs. 200 b) Rs. 500c) Rs. 50 d) Free of cost

3. Monthly bills that are claimed by SBI employess through HRMS portal which uses __________ technology.a) MS Office b) SAPc) Oracle d) JAVA

4. What are the annual charges to be levied from an existing ATM card holder?a) Rs. 100 b) Rs. 50c) Rs. 150 d) None of the above

5. Which bank has launched first-ever floating ATM on a boat?a) State Bank of India b) Bank of Barodac) Punjab National Bank d) None of the above

6. What are the charges levied by the bank for issuance of duplicate ATM card?a) No charges are levied b) Rs.100c) Rs.200 d) Rs.500

7. RTGS is a :a) Payment System b) Receipt Systemc) Both a & b d) None of these

8. RTGS enables transfer of funds :a) Between the banks onlyb) From the remitter’s account in a particular bank to the beneficiary’s accountc) Both a & bd) None of the above

9. Under normal circumstances, if we transfer funds from one account to another bank's account through RTGS, how long will it take to credit that account ?a) 1 Day b) 15 Minutesc) 30 Minutes d) 1 Hour

10. What is the amount charged from the customer for re-generation of PIN for hisATM-cum-Debit card ?a) Rs. 50/- b) Rs.100/- c) Rs.200/- d) No fee charged.

11. Who has launched NEFT ?a) RBI b) SBIc) Both RBI & SBI d) RBI, SBI & ICICI Bank

12. What is Demat service product of SBI’ ?a) RTGS b) NEFTc) eZ Trade d) EFT

13. What is the transaction limit for ATM cum Debit Card fund transfer thru ATMa) Rs.10,000/- b) Rs. 25,000/-c) Rs.50,000/- d) Rs. 1,00,000/-

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14. SBI YUVA Card is a _____________________.a) Credit card b) International ATM-cum-Debit Cardc) Gift Card d) None of the above.

15. SBI YUVA Card can be issued to individual SB & Current account holders who are ________________________.a) Above 18 years old. b) Below 50 years old.c) Above 18 years & upto 30 years old. d) Minor

16. In Core Banking Software the default UserID of an employee is __________a) PF No. b) SBI123c) 111111 d) Name of the employee

17. The Accountant is known as a _________________ in Core Banking System.a) Assistant b) Vault Tellerc) Joint Custodian d) Manager Accounts

18. The Day Book is now known as ____________________ in CBS.a) CDC report b) VVR (Voucher Verification Report)c) Weekly d) None of these.

KEY

QUESTION ANSWER QUESTION ANSWER01 C 11 A02 D 12 C03 B 13 C04 B 14 B05 A 15 C06 B 16 A07 A 17 B08 C 18 B09 C 1910 A 20

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NEW TECHNOLOGY PRODUCTSQUESTIONS RELATING TO CBS / MOBILE BANKING / INB

TEST – 1

1) SB Connect, the dedicated lease line connectivity, is maintained by -----a) TCS, India b) FNS, Australiac) Datacraft, Singapore d) HP System, USA

2. Which is the first branch of SBI on Core Banking Solution?a) PBB Bandra, Mumbai b) PBB Belapur, Mumbaic) PBB Hiranandani, Mumbai d) PBB Madame Cama Road, Mumbai

3. The State Bank of India’s internet banking site is...a) www.onlinesbi.com b) www.statebankofindia.comc) www.sbi.co.in d) www.inb.sbi.com

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4. Corporate Internet Banking was rolled out by the Bank ona) 1st March 2002 b) 1st July 2003c) 1st July 2002 d) 1st April 2003

5. In Networked ATMs, the branch database is connected toa) ATM b) Steps Office at Belapurc) CDC , Belapur d) directly to the ATM

6. SBI ATM Cards are processed and issued bya) ATM Switch Centre, Belapur b) Mastercardc) Venture Infotech Global Pvt. Ltd. Mumbai d) GECBPMSL, Gurgaon

7. “Hotlisting” of Card refers toa) Mutilated Card b) Deactivation of lost ATM Card at ASCc) Revalidation of Card after expiry. d) None of the above

8. SBI ATM-cum-Debit Card can be used for purchasing goods and services atMerchant Establishments displayinga) Mastercard logo b) VISA logoc) Maestro logo d) None of the above

9. Can a Card be issued against a minor’s account?a) Nob) Yes, a card may be issued to a minor if he/she is above 14 years of age. An add-on card may also be issued to the guardian.c) Card may be issued only to the Guardian.d) None of the above.

10. ATM Switch Centre is managed by the Bank with the technical support ofa) C&I Project, Corporate Centre b) NCR Corporationc) Financial Software & Systems, Chennai d) Datacraft

11. For the purpose of accounting, cash loaded in our ATM belongs to a) Concerned Branch b) ASC, Belapur c) ATM Project, Corporate Centre d) None of the above

12.. Network Service Provider for Core Banking isa) Airtel b) Reliancec) BSNL d) Broadband Service

13. Core Banking Solutions (CBS) for foreign offices software is calleda) Finance b) Financialc) Finnacle d) Bank Master

14. The CBS for foreign offices is supplied bya) Satyam b) Infosysc) FNS d) Data Craft

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15. For Mobile Banking registration, SMS ‘<MBSREG> has to be sent toa) 567636 b) 567656 c) 567676 d) 567333 16. Name of the Mobile Banking Software is :a) StateBankfreedomb) SBI freedoMc) SB freedom

17. The catch line which goes with Mobile Banking is :a) With you, All the wayb) Your Mobile, Your Bankc) Bank with convenience

18. Mobile banking services as at present are meant fora)SME customers onlyb) SME and personal segment customersc) Personal segment customers onlyd)C & I customers only

19. MPIN in Mobile Banking stand fora) Mobile Banking Personal Index Numberb) Mobile Banking Personal Identification Numberc) Member Banking Personal Identification Numberd) None of these.

20. INB customer is given PPK, what does PPK refer to?a) pre packed kit b) pre paid kit c) personal pack kit d) pre printed kit

21.One of the following types of products is not available to CINB customersa) Khata b) Vistaar c) Vyapaar d) Vistaar plus

22. ez-trade@sbi is a 3in 1 a/c because it provides an integrated platform ofa) TDR a/c, demat a/c, and online trading a/cb) S/B / current a/c, demat a/c, and online trading a/cc) loan a/c , online trading a/c , and demat a/cd) PPF a/c, online trading a/c , and demat a/c

23.ez-trade@sbi is provided by SBI in association witha) Relianceinfocom, ICICI securitiesb) SBI Securities and NSDLc) Online SBI and Master securities ltdd) SBI Caps securities limited and Motilal Oswal securities Ltd.

24. Drop box facility should not be used for which of the following type of instruments---a) Local Clearing Cheques b) Cheques drawn on Branchc) Cheques against Government Challans d) Outstation cheques for collection

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25. A drop box with 03 slits/compartments has three coloured powder coatedcompartments-which are these colours:a) Red, Blue, Green b) Blue, Green, Yellowc) Blue, Red, Yellow d) Red, Green, Yellow

KEYQUESTION ANSWER QUESTION ANSWER QUESTION ANSWER01 C 11 A 21 D02 C 12 C 22 B03 A 13 C 23 D04 A 14 B 24 C05 A 15 C 25 C06 C 16 A 2607 B 17 B 2708 C 18 C 2809 B 19 B 2910 C 20 D 30

NEW TECHNOLOGY PRODUCTSRTGS / NEFT / INFO SECURITY

TEST – 1

1.RTGS stands fora) Real trade gross settlement b) Real time gross settlementc) Real transaction gross settlement d) Real track gross settlement

2. IFSC in respect of RTGS/NEFT stands fora) Indian financial system code b) international financial system codec) Indian financial sevices code d) international financial services code

3. UTR number refers toa) Universal transaction reference b) Unique transfer referencec) Universal transfer reach d) Unique transaction reference

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4. NEFT stands fora) National Engineered financial transaction b) New electronic financial transactionc) National electronic fund transfer d) New electrical fund transfer

5. IFSC code has ------no of charactersa) 10 b)11 c) 16 d)15

6. Maximum amount that can be sent through RTGS and NEFT isa)Rs5.00lacs b) Rs10.00lacs c)no limit d)Rs15.00lacs

7. An user should share password of his desktop with whoma) Controller b) System administratorc) Colleagues d) None

8. A good password isa) Name/short form of name/initialsb) Names of family/friends/colleagues/institutionc) Combination of alphabets and numbersd) Combination of alphabets, numbers and special characters

9. Which is a good practicea) Changing passwords frequentlyb) Keeping a written password somewherec) Entering password when colleague is watchingd) Keeping simple words as passwords

10. Which is the best way to protect the sensitive data in your computer when you go out for lunch?a) Turn the monitor offb) Activate the screen saverc) Lock your computer with passwordd) Close all programs

KEY

QUESTION ANSWER01 B02 A03 D04 C05 C06 C07 D08 D09 A10 C

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SAFE DEPOSIT LOCKERS/SAFE CUSTODY/ FIXED ASSETS

1. ‘A’ has hired a locker with your branch, he sends the key by post with anintention to surrender the locker, in this situation----------

a) Bank will be discharged of its liability, if key is accompanied by a letter statingthe contents of the lockers as NILb) The bank will not be discharged of its liabilityc) The bank should not acceptd) Bank can accept subject to its rights under reserve

2. Your branch has a locker account in the joint names of ‘A’ and ‘B’ to be operatedas ‘either or Survivor’. You receive information of death of ‘B’, in this

event--------:a) A can operate the locker with legal heirs of Bb) For operations of locker permission of court is neededc) A can operate the locker

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d) None of the above

3. A authorizes B for operating his locker. B approaches the bank for surrenderthere of. How would you react?a) B can surrender the locker b) B cannot surrender the lockerc) If contents are nil he can surrenderd) None of the above

4. When a locker is broken open the presence of which of the following is not must--a) Locker hirer or his legal heirs b) Two independent witnessesc) Branch officials d) Representative of local police

5. When a hirer surrenders a locker, the surrendered locker--------------a) Cannot be allotted to any other personb) After interchanging the lock of the locker with any other empty locker, it canbe allotted to any new hirerc) The surrendered locker can be allotted to new hirer only after 3 years fromdate of surrenderd) None of the above

6. A locker on hire can not be given to which of the following-----------:a) A minor b) An illiterate personc) To clubs, societies & associations d) All of the above

7. A customer keeps NSCs in the name of his minor son in safe custody with the bank. Immediately after attaining majority the son approaches the bank with arequest that the certificates be delivered to him as he is major now, in this event----------a) Bank will not deliver to himb) Bank will deliver to him after attaining proper introduction and dischargec) Bank will neither deliver him nor let him have the detailsd) Bank will deliver to the father who had handed over the certificates to theBank.

8. What is the name of the new programme / software developed by the Bank for fixed asset management?

a) ICCOMS b) i-FAMsc) BASEL d) None of the above

9. under i-FAMS depreciation will be provided for at……… and Schedule 10 will be generated by the …a) LHO, Branch b)Centrally , LHOc) Centrally , by the system d) Centrally, RBO

10. A electric fan purchased at the branch for Rs. 1,200/-. Which account will be debited?a) Charges b) Fixed Assetsc) Branch Clearing General Account d) None of the above.

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KEY : Safe Deposit Lockers/Safe custody

1 2 3 4 5 6 7 8 9 10a c b d b a b b c b

SME CREDIT CARD & SMART SCORE

1.Who can be granted credit facility under SME Credit Card Scheme?a) Small industrial units b) Small retail tradersc) Prof. & self-employed d) All of above

2. What is the quantum of advance that can be provided under SME Credit Card Scheme?a) Rs. 5.00 lacs ` b) Rs. 10.00 lacs c) Rs. 15.00 lacs d) Rs. 20.00 lacs

3. Which type of credit facility can be provided under SME Credit Card Scheme?a) Demand loan b) Cash Credit c) Term Loan d) Both (b) and (c) above

4. Term Loan portion under SME Credit Card Scheme will be repaid in a maximum of ____years in suitable installmentsa) 3 b) 5 c) 7 d) 9

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5. The limit sanctioned under SME Credit Card Scheme is valid for ____yearsa) 1 b) 2 c) 3 d) 5

6. The periodicity of stock statement in case of SME Credit Card Scheme is

a) Monthly b) Quarterly c) Half-yearly d)Yearly (28TH Feb)

7. Under which segments, units can be covered for financing under Smart Score?a) P b) Agr c) SME d) None of above

8. Which category can be covered for financing under SME Smart Score?a) Sole Proprietor b) Partnershipc) Public/Pvt. Ltd. Cos . d) All of above

9. The Chief promoter/Chief executive of the unit, who intends to avail credit facilityunder SME Smart Score should be below ____years of agea) 60 b) 62 c) 64 d) 66

10. Working Capital Limit under SME Smart Score Scheme is sanctioned for a period of _____ years subject to annual review.a) 1 b) 3 c) 2 d) 5

KEY TO ASSIGNMENT

1 2 3 4 5 6 7 8 9 10d b d b c d c d d c

AGRICULTURE – I

1. In case of Agricultural advances, cost of photograph is borne by --------a) borrower b) bank c) borrower and bank on 50:50 d) No photograph to be obtained

2. In case of advances to weaker sections, inspection charges should belevied @------------% of prescribed rates.a) 100 b) 50 c) 25 d) No charges

3. Who executes document AB1?a) Borrower b) Guarantor c) Both a & b d) None of the above

4. Deed of guarantee Document AB2 can be revived by the Guarantor byexecuting ---a) AB4 b) AB5 c) AB7 d) None of the above

5. Who is eligible for crop loan / KCC

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a) Owner Cultivators b) Tenant farmers c) Share Croppers d) All of the above

6. Interest on Crop loan on current dues is to be applieda) May & November b) April & Septemberc) On due dates d) Half yearly

7. Purpose for which KCC can be granted.--------------a) Crop production b) Ancillary activities c) Allied activities d) All of the above

8. Rabi crop is sown/planted in the months of----------------a) October/November b) Feb/March c) June/July d) None of the above

9. Kharif Crop is sown/planted in the months of----------------a) October/November b) Feb/March c) June/July d) None of the above

10. Kharif crop is harvested in the months of----------------a) October/November b) Feb/March c) June/July d) None of the above

Answers

1 2 3 4 5 6 7 8 9 10b b a b d c d a c a

AGRICULTURE - II

1. KCC limit comprises of financing fora) Crop production and consumption credit. b) Expenses related to ancillary and allied activities. c) Both a & b d) None of the above

2. KCC limit is valid

a) For ever b) For 1 year c) For 18 months d) For 3 years

3. KCC holders up to the age of ---------------------years are covered under Personal Accident Insurance Scheme.

a) 50 b) 65 c) 70 d) No age limit

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4. Personal Accident Insurance Scheme for KCC holders covers risk up to Rs. ______ in case of death due to accident or permanent total disability i.e. (loss of 2 eyes / 2 limbs / 1 eye and1 limb)

a) Rs. 1, 00,000/-. b) Rs. 50000/- c) Rs. 25000/- d) both b & c

5. Amount of annual premium to be paid to designated Insurance Co. under Personal Accident Insurance Scheme is ----------------------------

a) 1% of KCC limit per KCC holder b) 2% of KCC limit per KCC holderc) Rs.15/- per KCC holder d) None of the above

6.Under Personal Accident Insurance Scheme, the amount of premium is borne by—

a) KCC holder b) Bankc) Shared by Bank and borrower in the ratio of 2:1 d) None of the above

7. Which insurance company is authorized to undertake servicing of business underPAIS?

a) National Insurance Company Ltd. & The New India Assurance Company Ltd.b) The Oriental Insurance Company Ltd.c) Shared by Bank and borrower in the ratio of 2:1d) Any of the four companies as per zone wise allocation

8. While fixing limit of the borrower under KCC, the branch may take into Account production credit requirements of the farmer for________

a) A Month b) A Quarter c) A Half- Year d) A Year

9. The credit limit of borrower under KCC scheme is required to be reviewed----

a) Every Year b) After Two Years c) After Three Years d) Not reviewed

10. Minimum and maximum loan to be sanctioned under KCC are

a)3000/- and 10.00 lacs b)5000/- and 1.00 crorec)3000/- and no limit d)none of above

11. The following farmers are eligible to get KCC _______________

a.Existing borrowers of the branch/ bank having good track record for thelast Two years.b Requiring production credit limit of Rs. 3000/- and above.c.New borrowers including good borrowers of other banks, provided BranchManager is satisfied with their Credit-worthiness.d.All of the above.

12. Following needs of the farmer are treated as contingent needs under KCC

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a) Family maintenance expenses. b) Educational and Medical Expenses.c) Social & Religious ceremonies d) Al l of the above.

13. Credit limit of the borrower under KCC is required to be renewed______

a) Every year b) After 2 years c) Once in 3 years d) Not required

14. Repayment of Crop loan/KCC should be ---------

a) Quarterly b) Half yearlyc) Linked with Harvesting and Marketing of the Crop. d) None of the above

15. New applicants under crop loan/KCC are not to be insisted upon for submitting‘No dues” certificates up to a loan limit of Rs.-------------.

a) Rs. 10000/- b) Rs. 25000/- c) Rs. 50000/- d) None of the above

16. For Crop loans up to Rs. 25000/-, we recover inspection charges @--------

a.Rs.2.50 per inspection with minimum of Rs.10/-b.Rs.10/- per inspection with minimum of Rs.100/-c.No charges d.None of the above

17. Crop loan can be sanctioned generally for a maximum period of __ months.a) 6 b) 9 c) 12 d) 18

18. Cheque book can be provided to

a. A literate KCC borrowerb. A literate KCC borrower with sanction limit of Rs 25,000/- and abovec. A literate KCC borrower with sanction limit of Rs 1 lakh and aboved. Any borrower availing KCC

19. ATM card can be provided to

a. A literate KCC borrower whose account is standardb. A literate KCC borrower with sanction limit of Rs 25,000/- and abovec. A literate KCC borrower with sanction limit of Rs 1 lakh and aboved. Any borrower availing KCC

Answers1 2 3 4 5 6 7 8

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c d c b c c d d9 10 11 12 13 14 15 16a c d c c c b c17 18 19 20 21 22 23 24d b a

BASIC COMPUTER AWARENESS

1. What do you understand by PC?

a) Personal Computer b) Personnel Computer c) President’s t Computer d) None of these

2. What is the expansion for e-Mail

a) English Mail b) Electronic Mail c) England Mail d) None of these

3. What is CPU?

a) Central Processing Unit b) Centralized Processing Unit

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c) Central Playing Unit d) Central Progress Unit

4. Three most Important Parts of Computer are __________________

a) Printer, Scanner, Camera b) Monitor, Printer, Floppy c) CD, mouse, Modem d) Memory, CPU, Hard Disk

5. Which Combination of the following is only hardware?

a) Printer, Windows, Scanner b) Scanner, FoXpro2, CD c) Printer, Scanner , Monitor d) Printer, C++, MS Word

6. Binary is a counting system using ........digits

a) Two (0,1) b) 4 c) 6 d) 8

7. What is software?

a) The logical programme that handle the different parts of your PC. b) Machine parts made of soft material c) Covers you put on the computer parts for protection d) None of these

8. Given below are some combinations of devices. Pick out the Input Devices Combination.

a) Keyboard, Printer b) Keyboard, Modem c) Keyboard , Scanner d) None of these

9. Choose an output device from the options given below.

a) Keyboard b) Joystick c) Printer d) Mouse

10.How many buttons does a mouse have?

a) 1 b) 2 c) 3 d) No buttons

11._____________ is a Storage Device.

a) Printer b) Scanner c) CD d) Monitor

12.________ & _________ are Softwares .

a) Windows & Monitor b) Windows & Printer

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c) Windows & C++ d) None of these

13.There are mainly _________ types of memory in a computer.

a) 1 b) 2 c) 3 d) 4

14.One GB means __________

a) 1024 bytes b) 1024 KB c) 1000 KB d) None of these

15.1024 GB means _____________

a) one Kilo byte b) one Tera Byte c) one Mega Byte d) None of these

16.When RAM is expanded we get ______________

a) Read and Memorize b) Reading and Maiming c) Random Access Memory d) Random acceptable Method

17.ROM means

a) Reading of Mathematics b) Reader of Matter c) Read only Memory d) None of these

18. In computer Parlance , ___________ is that which can be touched and seen.

a) Software b) Play Ware c) Knit wear d) Hardware

19. In computer Parlance , ___________ is that which cannot be touched and seen.

a) Software b) Hardware c) Kitchen ware d) None of these

20.______________ is a ___________ device .

a) Mouse , output b) Mouse , input c) Mouse, storage d) None of these

21.CD means _____________

a) Complete Data b) Common Disc c) Compact Disc d) None of these

22.________ is an Optional Component in a computer/.

a) CPU b) Keyboard c) Hard Disk d) Printer

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23.A file is copied on a floppy. Then the copy of the file in the Floppy is known as

a) Hard Copy b) Soft copy c) both a &b d) none of these

24.A printer is used to take a ___________ copy of a document from a computer.

a) Soft copy b) Hard Copy c) Only Color Copy d) None of these

25.Expand LAN.

a) Land Area Network b) Lean Area Network c) Land Area Netting d) Local Area Network

26.Punjab National Bank’s Core Banking Solution works under

a) LAN b) WAN c) MAN d) TAN

27.CD comes in ________ , normally

a) only one size b) In 2 sizes c) In 3 Sizes d) None of these

28.__________ is a removable Storage Devcie

a) Hard Disk b) Floppy c) CD d) Both b & c

29.The common floppy disk available was of ____________ inch and it could store _______ of data.

a) 5 ¼ and 1.44 MB b) 3 ½ and 1.44 MB c) 6 ½ and 1.20 MB d) None of these.

30.The BIOS in computer means

a) Basic Internal Output Software b) Binary Input Output Software c) Basic Input –Output System d) None of these

31.Monitor is an _____________ device.

a) Input b) Output c) Storage d) All of these

32.DOS means _______________

a) Doing on System b) Disk Operating System c) Disk Owning Software` d) None of these

33.What is WWW?

a) Window Wide Web b) World Wide Web c) World’s Worst Web d) None of these

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34.What is the website of our Bank?

a) mail.sbi.co.in & onlinesbi.com b) mail.sbi.co.in & sbitimes c) statebankofindia.com & sbitimes d) statebankofindia.com & sbi.co.in

35.What is the web address for our Internet Banking site?

a) mail.sbi.co.in b) sbi.co.in c) sbitimes d) onlinesbi.com

36.What is SBI Connect?

a) SBI Connect is the network which links all the Core Branches with Central Data Centre (CDC) at Belapur, Navi Mumbai. b) It is new product released by SBI c) It is a software connecting SBI and its Associate Banks d) None of the above

37.What is CBS?

a) Core Banking Solutions. b) Connecting Banking Solutions c) Credit Banking Solutions d) Current Banking Solutions

38.Where is CDC?

a) In Chennai b) In Kolkatta c) In Delhi d) In Mumbai

39.What is CDC?

a) Corpoarate Data Centre b) Central Data Centre c) Central Data Corporate d) None of these

40.The software used in CBS is

a) Foxpro2 b) C++ c) B@ncs24 d) B@ncs36

41.For the help of CBS branches bank has hosted

a) Service Desk b) SBGeLS c) SBITIMES d) None of these

42.UCP means

a) Universal Computerization Project b) Universal Computer Programme c) University Commercial Progamme d) Uniform Credit Proposal

43.What is the user ID in CBS branches?

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a) The date of joining of the employee or Official b) First three letters of the name of the employee or official. c) The date of birth of the employee or official d) PF number of the employee or official

44.ATM when expanded will give

a) Automated Teller Machine b) Automatic Talking Machine c) Automated Teller Manager d) Automated Talking Machine

45.There is ________ number of function keys on a key board.

a) 10 b) 11 c) 12 d) 13

46.Upper Case in Computer means

a) All letters of a word would be in Capital Letters b) First letter of a word would be in Capital Letters c) All middle letters of a word would be in Capital Letters d) None of these

47.Lower Case in Computer means

a) All letters of word would be Capital in Letters b) All letters of a word would be small in Letters c) All middle letters of a word would be in Capital Letters d) None of these

48.Enter Key in a Computer is also known as

a) Return Key b) Escape Key c) Passage key d) None of these

49.SBI’s Internet banking site is maintained by

a) Sify b) Infosys c)TCS d) Wipro

50.What is the new name of C&C Deptt. At LHOs

a) IT Services Deptt. b)Information & Communication deptt c) There is no change in name d)None of the above

SBLC Pune 67

KEY TO GENERAL AWARENESS (COMPUTERS) MODEL TEST PAPER-8 1 a 2 b

3 a 4 d 5 c 6 a 7 a 8 c 9 c 10 b

11 c 12 c 13 b 14 d 15 b 16 c 17 c 18 d 19 a 20 b 21 c 22 d 23 b 24 b 25 d 26 b 27 b 28 d 29 b 30 c 31 b 32 b 33 b 34 d 35 d 36 a 37 a 38 d 39 b 40 c 41 a 42 a 43 d 44 a 45 c 46 a 47 b 48 a 49 a 50 a

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STUDY MATERIAL GENERAL ENGLISH

I. Fill in the blanks choosing the correct words from the options given in the brackets.

1. I have a _________(sore/soar) throat today.

2 Plant _______(cells/sells) are too small.

3 You have to pass through a difficult ___________(root/route) to reach the place.

4 Do you __________(no/know) the answer or not?

5 I need your ___________(advise/advice) on this matter.

6 A ___________(weak/week) has seven days. 7 Her ___________(hare/hair) fell like a rippling cascade.

8 The car could not move further due to a flat _________(tire/tyre)

9 I began to _________(peel/peal) the potatoes.

10 His heart is filled with ________(piece/peace)

II. Pick out the meanings in respect of the word in bold from the choices given

1. The photographer had ceased to listen. a. stopped (b) deceased (c) seized (d) wanted

2 Go on, then, with your brutal work. (a) clever (b) trivial (c) cruel (d) artistic

3. I was conscious of a break in my voice. (a) sorrowful (b) forgetful (c) tired (d) aware

4. We have a process now for removing the ears entirely. a. Clearly (b) neatly (c) completely (d) cleverly

5 I wanted something that would depict my face as Heaven gave it to me. a. portray (b) draw (c) spoil (d) beautify

6 I caught the features just in a moment of animation. a. dullness (b) stupor (c) liveliness (d) boredom

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7 The photographer beckoned him in. a. insulted (b) called (c) fooled (d) drove

8 Just contract the face a. expand (b) distort (c) shorten (d) enhance

9 To me it is a worthless bauble. a. treasure (b) bubble (c) trifle (d) babble

10 I had done an unwarrantable thing. a. unworthy b. unjustifiable c. precise d. Incorrect

11. Restore the lips. a. ruin b. reconstruct c. replace d. reimburse

12. Apparently he was frantic for light. a. mysteriously b. secretly c. sordidly d. obviously.

13. Droop them a little. a. drip b. drop c. stoop d. straighten

14. He looked very grave. a. cheerful b. gay c. warm d. serious

15. They came out splendidly. a. admirably b. carelessly c. meaninglessly d. meaningfully

16. I sat down in a beam of sunlight. a. iron frame b. rays c. bay d. may

17. No said, the photographer with a momentary glance. a. permanent b. eternal c. transient b. everlasting

18. The bitterness was lost on the photographer. a. gladness b. unpleasantness c. rudeness d. calmness

19. The photographer talked with great emotion. a. apathy b. indifference c. strong feeling d. sympathy

20. The ears strike me as a good likeness. a. suspension of work b. blow c. beat d. impress

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III. Choose the appropriate phrase or word from the list given below and fill in the blanks in the following sentences.

{1. work out 2. pulled up 3. played his part 4. proud of 5. popular 6. set off 7. crawled 8. well dressed. }

1. I can ______________this problem easily.

2 A beautiful “Esteem” Car ____________in front of my house.

3 He is a _____________leader of his area.

4 My two year old son is very naughty. He _____________under an almirah.

5 Every Indian is ___________his cultural heritage.

IV. Choose the appropriate phrase from the list given below and fill in the blanks in the following sentences.

{1. looked like 2. come out 3. applied to 4. make out 5. lost on 6 blasted 7. drew up 8. reconcile to }

1. The letter was so confusing that I could not _________anything from it.

2 I have ___________my headmaster requesting him to send my my testimonials.

3. Work hard and you are sure to ______________successful.

4. The ideas I gave to my friend were not ________him and he succeeded.

5 From a distance the apple ___________a cricket ball.

V. Fill in the blanks using the phrases given below: {Made for, come out, beckon in, make out, tear at }

1. He is working very hard. He will __________with flying colours.

2 I cannot ____________your handwriting.

3 Don’t ________the parcel, open it with a scissor.

4 The guest did not enter the parlour because the host did not _______him ___.

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5 Cricket and Sachin are ___________each other.

VI. Fill in the blanks using the phrases given below: {Broke into, stick to, care for, break in on, frantic for }

1. I do not like anyone to _________my privacy.

2 The trapped victims were ________fresh air.

3 Leacock did not _________his photograph after seeing the large proof.

4 The girl ________tears on hearing the news of her father’s untimely death.

5 Baldwin would always ________his principles.

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STUDY MATERIAL KEY {ANSWERS}

I. 1. Sore 2. Cells 3. route 4. know 5. advice 6. week 7. hair 8. tyre 9. peel 10. peace

II. 1. a 2. c 3. d 4. c 5. a 6. c 7. b 8. c 9. c 10. b 11. b 12. d 13. c 14. d 15. a 16. b 17. c 18. b 19. c 20. d

III . 1. work out 2. pulled up 3. popular 4. crawled 5. proud of

IV 1. make out 2. applied to 3. come out 4. lost on

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5. looked like

V 1. come out 2. make out 3. tear at 4. beckon him in 5. made for

VI 1. break in on 2. frantic for 3. care for 4. broke into 5. stick to

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