500 - MCQ - Law Officer PDF

Zonal Training Center: 36, Teg Bahadur Road, Dehradun
Phone: 0135-2670946, Fax: 0135-2678007

Email: ztcddn@pnb.co.in
MULTIPLE CHOICE QUESTIONS FOR PROMOTION EXAM

1. Negotiable instrument contains ____ number of sections?
a. 147
b. 122
c. 174
d. 134
e. None of the above
2. Protection is available to the paying banker for payment of cheque under section ______of Negotiable
Instrument act?
a. 85A
b. 75
c. 85
d. 147
3. The person who is directed to carry out the unconditional order of the drawer in case of a bill of exchange is
called:
a. Payer
b. Payee
c. Drawee
d. collector
4. A/C payee crossing is defined in :
a. Banking Regulation act
b. NI Act
c. RBI Act
d. Companies act
e. It is not defined in any act
5. What is the maximum loan amount under under “Shishu” category of Mudra scheme?
a. Rs. 20000/-
b. Rs. 50000/-
c. Rs. 1 Lac
d. Rs. 5 Lac
6. The amount transferable to the reserve fund by banks incorporated in India is ______ of the profit for each
year.
a. 25%
b. 20%
c. 10%
d. 30%
e. There are no specifications
7. When any bank or financial institution obtains a charge against property , with which authority will the
transaction have to be registered under the SARFAESI act, 2002?
a. With the Central Registry
b. With the ROC
c. With the Registrar of Assurances within whose jurisdiction the property lies
d. With the RBI
Zonal Training Center, Dehradun Page 1

8. When can the provisions of SARFAESI act 2002 be invoked for proceeding against the charged property?
a. When the ban feels that it is necessary for the recovery at any time.
b. When the RBI directs to do so.
c. When there is default in repayment by the borrower.
d. When there is default in repayment and the bank declares the account as NPA
e. All of the above
9. What is the full form of MMID?
a. Money Mobile Identifier
b. Mobile Money Identification
c. Mobile Money Identifier
d. Mobile messaging Identifier
10. What is the menu option to allow preferential rate of interest in Senior citizen accounts?
a. CUMM
b. PRFUPD
c. UPDPRF
d. INTTM
11. A Bill of Exchange/Promissory Note is always payable____ if the time for payment is not specified on it :
a. Not to be paid as the instrument will be invalid
b. Can be paid after getting sanction from respective authority
c. On demand
d. Can be paid within 1 month only
12. A cheque is given to a charitable trust in donation. The trust in this case will become:
a) Drawee
b) Holder in due course
c) Holder
d) Either (a) or (c)
e) None of the above
13. A instrument is called inchoate if :
a) The instrument is not complete
b) The instrument is defective
c) The instrument does not contain the signature of the drawer
d) The payee is not mentioned on it
e) Both (c) and (d)
14. Paying banker will not get protection under the NI act if
a. If the material of the instrument was altered
b. Payment was made to the person other than the payee mentioned on bearer cheque
c. The signature of the drawer is forged
d. All of the above
15. The issue of new securities to existing shareholders at a ration to those already held is known as___
a. Rights Issue/ Right shares
b. Bonus issue
c. Preference Issue
d. None of the above
e. Primary issue
16. Retail individual investor means an investor who applies or bids _____
a. For securities of or for a value of not more than Rs. 100000/-
b. For securities of face value of not more than Rs. 100000/-
c. For securities of 1000 units
d. All of the above

17. Red herring prospectus is a prospectus
a. Which is issued in red colour
b. Which contains some claues in red colour
c. Which does not have details of either price or no. of shares being offered or the amount of issue
d. All of the above
18. Under ASBA facility, investors can apply in public/ rights issues by using which of the following?
a. Their bank account
b. Demand draft
c. Cheque
d. Cash
e. All of the above
19. Factoring service means_____
a. Collection of bills
b. Discounting of bills
c. Maintenance of account books
d. All of the above
20. In international factoring , the number of factors will be ____
a. 2
b. 1
c. 1 or 2
d. More than 2
21. Forfaiting provides to the exporter against receivables______
a. 100% financing
b. 80% financing
c. Depending on the contract with the forfaitor
e. 50% financing
22. In a bank guarantee, the number of parties involved in the agreement are____
a. 3
b. 2
c. Many
d. 1
23. A revolving letter of credit is one which provides that the amount of drawing stipulated in it will be
available to the beneficiary____
a. Again and again as may be agreed between the buyer and the seller within a stipulated period
b. Any number of times
c. Only once
d. Only two times
24. Priority sector lending target for foreign banks with 20 or more branches in India is ____ of Adjusted Net
Bank Credit or credit equivalent of off balance sheet exposure, whichever is _______?
a. 32% , lower
b. 32% , higher
c. 40% , higher
d. 40% , lower
25. Priority sector lending target for foreign banks with less than 20 branches in India is _____ of Adjusted Net Bank Credit or
credit equivalent of off balance sheet exposure, whichever is _______to be achieved in phased manner by 2020?
a. 40% , lower
b. 40% , higher
c. 32% , lower
d. 32% , higher

26. Agriculture advances within the overall priority sector lending target should be ____ of Adjusted Net Bank
Credit or credit equivalent of off balance sheet exposure for domestic bank and foreign banks with 20 or
more branches in India:
a. 10% of ANBC or 25% of priority sector
b. 18% of ANBC or 45% of priority sector
c. 32% of ANBC or 45% of priority sector
d. 32% of ANBC or 35% of priority sector
27. The lending to individual borrower is restricted to ____ for renewable energy under priority sector :
a. Rs. 10 lac
b. Rs. 5 Lac
c. Rs. 2 lac
d. Rs. 15 lac
28. Under Atal Pension Yozna, what is the minimum amount of subscriber’s contributiom?
a. Rs. 500/-
b. Rs. 1000/-
c. Rs. 5000/-
d. Rs. 10000/-
29. Which of the following target is incorrect in case of DRI advances?
a. 40% credit should go to SC/ST
b. 2/3rd advance should be through rural/semi urban branches
c. There is no mandatory target
d. 8% of total credit outstanding as at end of previous year should be given as DRI advances
e. All of the above
30. In Micro enterprise, the maximum investment in plant and machinery is Rs.___and in equipment is Rs.
____?
a. Rs. 10 lac, Rs. 25 lac
b. Rs. 25 lac, Rs. 25 lac
c. Rs. 10 lac, rs. 10 lac
d. Rs. 25 lac, Rs. 10 lac
31. In small enterprise, the maximum investment in Plant and machinery is Rs.___ and in equipment is Rs.
____?
a. Rs. 100 lac, Rs. 100 lac
b. Rs. 200 lac, Rs. 200 lac
c. Rs. 500 lac, Rs. 200 lac
32. In medium enterprise, the maximum investment in plant and machinery is Rs. ____and in equipment is Rs.
____?
a. Rs. 10 cr, Rs. 5 cr
b. Rs. 5 cr, Rs. 500 lac
c. Rs. 1000 lac, Rs. 1000 lac
33. What is the maximum amount of loan to a micro and small enterprise that can be sanctioned without
obtaining collateral security or 3rd party guarantee, if the loan is secured by CGTMSE guarantee?
a. Rs. 10 lac
b. Rs. 25 lac
c. Rs. 100 lac
d. At discretion of bank

34. What is the maximum amount of loan to a micro and small enterprise that can be sanctioned without
obtaining collateral security?
a. Rs. 10 lac
b. Rs. 25 lac
c. Rs. 100 lac
d. At discretion of bank
35. What is the maximum amount of loan that can be allowed to a servicing micro and mall enterprise?
a. Rs. 1 cr
b. Rs. 5 cr
c. Rs. 10 cr
d. Need based as discretion of bank
36. What is the maximum amount of loan that can be allowed to a micro and small enterprise as composite
loan under single window system?
a. Rs. 1 cr
b. Rs. 5 cr
c. Rs. 10 cr
d. Need based as discretion of bank
37. The risks considered for capital requirements under basel II are _____
a. Credit risk, market risk and operational risk
b. Credit risk, interest rate risk and foreign exchange risk
c. Credit risk, political risk and country risk
d. No risk under Basel II
38. The first piller under Basel II talks about
a. Minimum capital requirements
b. Supervisory review
c. Market discipline
d. Disclosure norms
39. As per Basel II framework , the total of Tier 2 capital I permitted upto a maximum of ___
a. 100% of tier 1 capital
b. 250% of tier 1 capital
c. 80% of tier 1 capital
d. 50% of tier 1 and tier 3 capital
40. Subordinated term debt will be limited to a maximum of _____
a. 50% of tier 1 elements
b. 100% of tier 1 elements
c. 85% of tier 1 elements
d. 75% of tier 1 elements
41. The minimum total capital ratio under Basel III is ___% of total risk weighted assets.
a. 2.5
b. 3.5
c. 9.00
d. 10.5
42. Basel III capital regulations will be fully implemented as on _____
a. 31 mar 2019
b. 31 mar 2018
c. 31 mar 2017
d. 31 mar 2020

43. How many credit information companies are operating in the country?
a. 1
b. 2
c. 4
d. 5
e. 6
44. Credit information reports can be accessed by _______
a. Only those members who have provided all their data to CIBIL
b. By any bank
c. By any Indian citizen
d. Both (a) and (c)
45. CIBIL as a credit bureau caters to ____
a. Consumer segments
b. Commercial segments
c. Both commercial and consumer segments
d. Private segments
46. In the call/ notice money market the following participants are allowed to trade:
a. All corporate
b. All banks, primary dealers and mutual funds
c. Only banks
d. All of the above
47. The minimum period of certificates of deposits is____
a. 7 days
b. 15 days
c. 21 days
d. 1 year
48. “RuPay” card payment network is developed by which of the following organization?
a. RBI
b. NPCI
c. VISA
d. IBA
49. RBI has mandated re-crediting of failed ATM transactions within___ working days from the date of receipt
of customer complaint.
a. 12
b. 15
c. 7
d. 10
50. In deposit accounts, the main relationship between bank and customer is _____
a. Creditor-bank, debtor-customer
b. Debtor-bank, creditor-customer
c. Agent-principal
d. Servant-owner
e. Only (a) and (b)
51. When a banks lends money to the corporate person the relationship is _____
a. Borrower and lender
b. Creditor-debtor
c. Debtor-creditor
d. Trustee and beneficiary
e. Customer and client

52. Bailor-bailee relationship is applicable in ____
a. Cash deposited with cashier by customer
b. Safe deposit locker
c. Demand draft issued by bank
d. Keeping articles in safe custody with bank
53. What relationship is created when the bank collects a cheque in clearing?
a. Holder for value
b. Clearing member and principal
c. Agent and principal
d. Collecting bank and holder
54. When any FDR is lost by a customer of a bank, what document is executed_____
a. Guarantee bond
b. Government bond
c. Promissory bond
d. Indemnity bond
55. Section 131 of NI act gives protection for collection of _____
a. Bills of exchange
b. Promissory note
c. Hundis
d. Cheque
e. All of the above
56. A NRE account can be opened by ____
a. Foreign nationals only
b. Foreign Institutional Investors only
c. It can be opened by both NRI as well as foreign national
d. It can be opened jointly by NRI with a close relative
57. Lien is a/an _____ of the creditor to retail possession.
a. Right
b. Obligation
c. Instrument
d. Interest
58. Banker’s lien is not applicable in case of ____
a. Safe custody
b. Securities left negligently
c. Debts not due
d. All of the above
59. Right to combine two accounts by banks is called____
a. Garnishee
b. Lien
c. Set-off
d. Rating
60. Garnishee order is issued by a _____
a. Police officer
b. Revenue officer
c. CID
d. Courts of law

61. Attachment order is issued by ____
a. Income tax officer
b. Sales tax officer
c. Both (a) and (b)
d. Public debt office
62. Mandate is an/a _____ agreement
a. Stamped
b. Unstamped
c. Memorandum
d. Letter
63. Power of attorney can be ______
a. Debtor-creditor
b. Bailor-bailee
c. Pawner-pawnee
d. Donor-donee
64. What is the age group of citizens to be covered under Atal Penion Yojna?
a. 10 to 21 years
b. 18 to 25 years
c. 18 to 40 years
d. 21 to 60 years
65. What is the per year premium amount under PMJJBY scheme?
a. Rs. 220/-
b. Rs. 330/-
c. Rs. 500/-
d. Rs.1000/-
66. Which act contains nomination rules and provisions?
a. BR act
b. NI act
c. RBI act
d. Indian Contract act
e. Companies act
67. What is the minimum number of partners in a Limited Liability Partnership?
a. 2
b. 3
c. 4
d. No limit
68. Which of the following card works on “buy now and pay later”
a. Debit card
b. ATM card
c. Credit card
d. RuPay card
69. Money lent for a period of 2 to 14 days is called___
a. Call money
b. Notice money
c. Term money
d. Lent money

70. Call money refers to____
a. Money lent for one day
b. Money lent for 2 to 14 days
c. Money lent for more than 14 days
d. All of the above
71. What is the full form of AEPS?
a. Aadhar Enabled processing system
b. Aadhar Enabled payment system
c. Aadhar executed payment system
d. Aadhar excluded processing sources
72. Maximum amount of demand deposit that a payment bank can accept is _____
a. Rs. 50000/- per depositor
b. Rs. 1 lac per depositor
c. Rs. 2 lac per depositor
d. Rs. 5 lac per depositor
73. What is the name of digital life certificate based on Aadhar biometric authentication?
a. Jeevan Patra
b. Jeevika Pramaan
c. Jeevan Pramaan
d. Jeevan Pramaan Patra
74. What is the maximum amount that can be deposited in a financial year in Sukanya Samriddhi account?
a. Rs. 1 lac
b. Rs. 1.5 lac
c. Rs. 2 lac
d. Rs. 5 lac
75. What is the name of the education loan scheme for pursuing higher studies from abroad?
a. PNB Kaushal
b. PNB Saraswati
c. PNB Pratibha
d. PNB Udaan
e. PNB Videsh
76. RBI’s monetary and credit policy is reviewed___
a. On half yearly basis
b. On quarterly basis
c. On bi-monthly basis
d. On mid quarter basis
77. Statuatory Liquidity Ratio (SLR) cannot be less than ___ % of net demand and time liabilities of a bank.
a. 20%
b. 25%
c. 30%
d. RBI discretion
78. The maximum level upto which SLR can be prescribed by RBI as per BR act is:
a. 25%
b. 30%
c. 35%
d. 40%

79. Which investment is not included as part of SLR assets?
a. Cash in hand
b. Gold owned by bank
c. Investment in un-encumbered approved govt. securities
d. Investment in quoted shares
80. The minimum CRR as per RBI act is :
a. 10%
b. 8%
c. 6%
d. 5%
e. As per RBI discretion
81. The maximum CRR as per RBI act can be raised by RBI upto:
a. 40%
b. 35%
c. 30%
d. 25%
e. As per RBI discretion
82. What is the rate of interest paid on CRR balances with RBI:
a. SB rate
b. Bank rate
c. NIL
d. Repo rate
83. In case of single or individual borrower , the exposure ceiling as fixed by RBI is:
a. 15% of the paid up capital of the bank
b. 15% of capital fund of the bank
c. 15% of net worth of the bank
d. 15% of capital of the borrower
84. For single or individual borrower being an infrastructure company, the exposure ceiling as fixed by RBI is:
a. 20% of paid up capital of the bank
c. 25% of the capital fund of the bank
d. 25% of the paid up capital of the borrower
85. In case of group borrower being an infrastructure company, what is the exposure ceiling as fixed by RBI is:
a. 40% of paid up capital of the bank
c. 50% of the capital fund of the bank
d. 50% of the paid up capital of the borrower
a. None of the above
86. Banks are required to submit information to CRILC in the following cases:
a. Where the fund and non fund based exposures is at least Rs. 5 cr
b. Where the account falls in SMA-2 category
c. Where the balance in CA exceeds Rs. 1 cr
d. All of the above
87. Loan to Value ratio against gold jewellery can be:
a. 75% maximum
b. 75% minimum
c. 80% maximum
d. 80% minimum

88. Banks cannot lend on security of their own shares as per restriction imposed by:
a. RBI
b. RBI act 1934 Section 20(2-A)
c. BR act 1949 Section 20
d. SEBI
89. Which of the following loans can be sanctioned by banks:
a. Loan against certificate of deposits
b. Loan against commercial paper
c. Loan against deposit of other banks
d. All of the above
90. Which of the following is not a component of Marginal Cost Based lending Rate(MCLR):
a. Risk premium
b. Marginal cost of funds
c. Negative carry on a/c of CRR
d. Operating cost
91. Bank rate is the rate of interest charged by :
a. Banks on discounting of bills
b. Banks as the minimum lending rate
c. Banks on their best rated borrowers
d. RBI on rediscounting of commercial bills/ instruments by banks
92. Loan to value ratio in case of housing loans upto Rs. 20 lac can be:
a. 60%
b. 70%
c. 80%
d. 90%
93. Loan to value ratio in case of housing loans above Rs. 20 lac and upto Rs. 5 lac can be:
a. 60%
b. 70%
c. 80%
d. 90%
94. Loan to value ratio in case of housing loans above Rs. 75 lac can be:
a. 60%
b. 75%
c. 80%
d. 90%
95. The renewal of working capital credit limit is to be done on ___ as stipulated by RBI:
a. Half yearly basis
b. Quarterly basis
c. Annual basis
d. Bi-annual
96. Banks are required to have legal audit of documents and title deeds taken as security, where the loan
amount is Rs. _____ and above
a. 2 cr
b. 5 cr
c. 7.50 cr
d. 10 cr

97. Which of the following is not a non fund based credit facility:
a. Bank guarantee
b. Letter of credit
c. Deferred payment guarantee
d. Bills purchasing
e. All of the above
98. As per turnover method of Nayak committee , minimum working capital should be ___ % of projected
sales:
a. 20%
b. 25%
c. 30%
d. 35%
99. As per Nayak committee recommendations , the working capital requirements is to be met by bank and
the borrower in the ratio of :
a. 3:1
b. 4:1
c. 5:1
d. 2:1
100. As per turnover method of Nayak committee, bank limit for working capital should be ___% of projected
sales:
a. Minimum 20%
b. maximum 20%
c. minimum 30%
d. maximum 30%
e. none of the above
101. Under the Consumer Protection Act District forum has powers to deal with cases up to Rs. ___lacs:
a. 10
b. 50
c. 20
d. 100
102. Payment in ‘ due course’ means_____
a. On due date
b. In accordance with apparent tenor
c. In accordance with apparent signature and specimen
d. Due to insufficient funds
103. Payment of cheques is governed by sections _____under NI act.
a. Section 10/31/85/126
b. Section 16/16/17/131
c. Section 131/138/147/142
e. All of the above
104. Promissory notes/ Bills of exchange and cheques are defined as ______
a. Trust receipts
b. Judicial documents
c. Negotiable instruments
d. Documents of title to goods
105. Cheque is payable on______
a. Demand
b. Usance
c. Fixed future date
d. After sight

106. One of the following crossings is not provided for in the NI act?
a. Account payee crossing
b. Not negotiable crossing
c. General crossing
d. Special crossing
107. Sans recourse means___
a. Without fear
b. Without physical touch
c. Without liability to me
d. Without liability to payee
108. A bank on whom a cheque is drawn by the customer is_____
a. Collecting bank
b. Paying bank
c. Advising bank
d. Issuing bank
e. Confirming bank
109. Section 131 of NI act extends protection to the _____
a. Collecting bank
b. Paying bank
c. Drawee bank
d. Negotiating bank
e. All of the above
110. Where a customer, by a letter has advised the bank directing the banker not to honour/pay a particular
cheque such letter is called___
a. Letter of credit
b. Stop payment letter
c. Mandate
d. Garnishee order
e. Official letter
111. The minimum number of members in a public limited company is ___
a. 50
b. 20
c. 10
d. 7
e. No limit
112. Delegation of powers under a trust is ___
a. Possible
b. Not possible
c. Beneficiary’s permission
d. Charity commisioner’s permission
113. Which documents stipulates internal rules of a company?
a. Memorandum
b. Resolution
c. Articles
d. Declaration
114. Minor’s account can be opened in the guardianship of _____
a. Mother and father
b. Mother or father
c. Grandmother
d. Elder brother

115. Two or more minors if desirous of opening a bank account in your bank, whether they can open
a. Either or survivor
b. Jointly
c. Only two can join
d. Cannot open
116. A hindu minor having a natural guardian attains majority on completion of ______
a. 18 years
b. 21 years
c. 13 years
d. 13 years provided he has the power of understanding
117. Who shall be natural guardian in case of married minor girl?
a. Father
b. Mother
c. Father in law
d. Mother in law
e. Husband
118. A demand draft is issued by banks to be valid for ____
a. 12 months
b. 6 months
c. 3 months
d. 90 days
e. None of the days
119. A customer is entitled to issuance of a duplicate DD in place of the lost one provided____
a. He gives due intimation to the issuing branch
b. Payment of DD not already made by the drawee branch
c. Execution of an indemnity signed by both the payee and purchaser of the DD
d. Payment of a fee as applicable for issue of such duplicate DD
e. All of the above
120. Credit risk in lending refers to____
a. Default of repayment by the borrower
b. Default of bankers in maintaining SLR
c. Default of a banker to release credit to a borrower
d. All of the above
121. Net working capital means___
a. Current assets – current liabilities
b. Debt equity ratio – quick ratio
c. source of funds – Use of assets
d. Current assets + current liabilities
122. Major current assets are____
a. Cash/ receivables/ inventories and Marketable investments
b. cash + receivables+ Inventories
c. unquoted shares + cash+ shares in sister concern
d. Any of the above
123. What are the sources of working capital?
a. unsecured loans + deposits + Trade Credits
b. advance payments + Bank borrowings
c. Net working capital
d. All of the above

124. Term loans means____
a. Payable after one year to ten years
b. Repayments are done in installments
c. Term loans are utilized for acquisition of fixed assets
d. All of the above
e. Only (a) and (b)
125. Working capital needs are estimated by _____
a. Operating cycle method
b. Projected turnover method
c. Cash budget method
d. Any of the above
126. Who decodes the base rate?
a. Ministry of commerce
b. Reserve Bank of India
c. National Bank for agriculture and rural development
d. Concerned Bank
127. What is the main objective of setting up of Central Registry of Securitisation Asset Reconstruction and
Security Interest of India- CERSAI?
a. Fraud Preventation
b. Risk rating of borrowers
c. To compile statistics relating to total immovable properties in the country
d. All of the above
128. Education loans granted to individuals for educational purposes up to Rs. ___ for studies in India will be
classified as priority sector.
a. 7.5 lac
b. 10 lac
c. 15 lac
d. 20 lac
129. The government provides interest subvention of ___p.a. to the banks in respect of short term production
credit up to Rs. _____ provided to farmers.
a. 2%, 3 lac
b. 3%, 2 lac
c. 3%, 5 lac
d. 3%, 3 lac
130. Under farm mechanization scheme, loan is given for____
a. Providing irrigation facilities
b. Cultivation expenses
c. Purchase of farm equipments
d. For digging wells
131. Scale of finance for crop loans is decided by _____
a. District level technical committee
b. State level technical committee
c. Block level technical committee
d. Individual banks
132. In broiler operation under poultry farming how many day’s old chicks are grown?
a. 8 days
b. 1 day
c. 3 days
d. 15 days

133. V. M. Dandekar is known as father of _______
a. Crop Insurance
b. Life Insurance
c. Health Insurance
d. Green Revolution
134. Under SJSRY, the bank will sanction ____of the project cost in case of general category of
beneficiary/institution?
a. 90%
b. 95%
c. 80%
d. 75%
135. Under PMEGP, the minimum age limit for availing loan is _____
a. 28 years
b. 35 years
c. 40 years
d. 18 years
136. When banks give home loans, the nature of charge created is ______
a. Hypothecation
b. Mortgage
c. Assignment
d. Pledge
137. As per the stamp act, a document executed in India shall be stamped ____
a. Only before execution
b. At any time but before filing suit
c. Within 30 days after execution
d. Before or at the time of execution
138. The nature of charge created while advancing against LIC policies is ______
a. Assignment
b. Lien
c. Pledge
d. Set off
139. Documents of title to goods has been defined in _______
a. Indian contract act
b. Negotiable instrument act
c. Transfer of property act
d. Sale of goods act
140. LTV ratio in case of loan against gold jewellery is ____
a. 50%
b. 75%
c. 100%
d. 85%
141. Direct advances to agriculture and SME under standard assets category requies provision at the rate of _
a. 0.40%
b. 0.10%
c. 1.00%
d. 0.25%

142. A substandard asset is one which has remained NPA for a period less than or equal to ____
a. 12 months
b. 6 months
c. 90 days
d. 180 days
143. Structure of CDR system has ____
a. One tier
b. Three tiers
c. Two tiers
d. Four tiers
144. A Fund of Funds is a scheme that invests primarily _____
a. In money market instruments
b. In other schemes of the same mutual fund of other mutual funds
c. In the bullion market
d. Only in primary market
145. NAV of Gold exchange Traded Fund is calculated up to ___ decimal points?
a. 2
b. 3
c. 1
d. 4
146. The entry level capital requirement for a new Insurance company in India is___
a. Rs. 1 cr
b. Rs. 50 Cr
c. Rs. 500 cr
d. Rs. 200 Cr
147. Participatory notes are like contract notes issued by ____
a. FIIs to entities that want to invest in the Indian stock Market but do not want to register themselves
with SEBI
b. Commercial banks to their investors
c. Government of India to banks
d. All of the above
148. What is the full form of FEMA?
a. Foreign exchange management act
b. Foreign external money act
c. Financial Exclusion management act
d. Foreign exchange messaging act
149. Which of the following payment system uses EDI?
a. RTGS
b. Fedwire
c. NEFT
d. SWIFT
e. All of the above
150. As per Govt. of India , for technology up-gradation what is maximum amount that is available under
MSME advances?
a. Rs. 5 lac
b. Rs. 10 lac
c. Rs. 15 lac
d. Rs. 25 lac

151. What is the slogan of Pradhan Mantri Gram Sinchai Yojna ?
a. Per Drop More Crop
b. More Drop Per Crop
c. More Drop More Crop
d. Per Drop Per Crop
152. What is the menu option in CBS for feeding of data regarding external credit rating in big loan accounts
is?
a. MCRS
b. CMRS
c. CRMS
d. CSMR
153. What is the maximum loan amount under Kishore category of Mudra scheme?
a. Upto Rs. 50000/-
b. Above Rs. 50000/- and upto Rs. 5 lac
c. Above Rs. 5 lac and upto Rs. 10 lac
d. Above Rs. 10 lac
154. What is the maximum loan amount under Tarun category of Mudra scheme?
a. Upto Rs. 50000/-
b. Above Rs. 50000/- and upto Rs. 5 lac
c. Above Rs. 5 lac and upto Rs. 10 lac
d. Above Rs. 10 lac
155. Crop season for long duration crop is ___
a. 6 months to 12 months
b. More than 12 months
c. More than 24 months
d. More than 30 months
156. As per the latest KYC directions from RBI, ‘Small Account’ is a savings account in which
a. The aggregate of all credits in a financial year does not exceed rupees one lakh
b. the aggregate of all withdrawals and transfers in a month does not exceed rupees ten thousand
c. the balance at any point of time does not exceed rupees fifty thousand
d. All of the above
157. As per the latest KYC directions from RBI, periodic updation of KYC data should be carried out once in___
every years for High Risk Customers
a. 1
b. 2
c. 5
d. 8
every years for Medium Risk Customers
a. 2
b. 5
c. 8
d. 10
every years for Low Risk Customers
a. 2
b. 5
c. 8
d. 10

160. As per directions from Reserve Bank of India, Demand Drafts are to be issued with account payee crossing
for Rs. ______ and above?
a. Rs. 10000/-
b. Rs. 20000/-
c. Rs. 49999/-
d. Rs. 50000/-
161. Interest rate on Saving fund deposit accounts are to be credited to the account of the account holders on
a. Daily basis
b. Quarterly basis
c. Half yearly basis
d. Yearly basis
e. On maturity
162. What is the maximum amount of cash that can be accepted for issue of foreign currency at present is
below or equal to ____
a. Rs. 20000/-
b. Rs. 50000/-
c. Rs. 1 lac
d. Rs. 2 lac
163. What is the name of the scheme for popularizing education among girls of rural/ semi urban areas in
India?
a. PNB sakhi
b. PNB Ladli
c. PNB Vidya
d. PNB Lakshmi
164. What is the maximum amount of advance against deposits in Semi Urban Branches?
a. Upto Rs. 50 lac
b. Upto Rs. 100 lac
c. Upto Rs. 150 lac
d. Upto Rs. 75 lacs
165. What is the maximum amount of loan under PNB Kisan Tatkal Card Yojna?
a. Rs. 20000/-
b. Rs. 50000/-
c. Rs. 1 lac
d. Rs. 2 lac
166. Under SARFAESI act, representation/ objection of the borrower has to be responded within ___days?
a. 7 days
b. 15 days
c. 21 days
d. 1 months from the date of representation
167. What is the per day intersol cash payment limit to III party in savings account?
a. Rs. 10000/-
b. Rs. 20000/-
c. Rs. 50000/-
d. Not allowed
168. In which of the act, minor has been defined?
a. Indian Minority act
b. Indian Majority act
c. Indian Contract act
d. Banking Regulation act

169. ECB Stands for ?
a. External Commercial Borrowings
b. Expansion of Commercial Borrowings c
c. Export-Import Commercial Borrowings
d. External commercial Banks
170. In order to enable direct hedging of exposures in foreign currencies and facilitate execution of cross-
currency strategies by market participants, it has been decided, as announced in the Fourth Bi-monthly
Monetary Policy Statement 2015-16, to permit the recognized stock exchanges to offer cross-currency
futures contracts and exchange traded option contracts in the currency pairs of:
a. EUR-INR, GBP-INR and JPY-INR
b. EUR-USD, GBP-USD and USD-JPY
c. USD-INR, EUR-INR, GBP-INR AND JPY-INR
d. USD-EUR, INR-JPY
171. What is the scheme code for opening of accounts under 'Kisan Gold Scheme’ ?
a. CCKGS
b. CCKSG
c. CCAKC
d. CAKSG
172. Now 3D Secure Registration is required for _______________.
a. PNB Master Debit Cards
b. PNB Maestro Debit Cards
c. PNB RuPay cards
d. All the above
173. All the credit requirements of RSETI trained candidates shall be met under MUDRA Scheme under Non-
Farm Sector category and the loan applications received by the branches shall be disposed off within____
a. 2 Days
b. 3 Days
c. a Week
d. a fortnight
174. Under Scheme “PNB SAKHI – INCENTIVE SCHEME FOR FACILITATING SHG BANK LINKAGE” What is the
minimum education qualification?
a. Minimum education of 4th / 6th pass with basic reading, writing and numeracy skills
b. Minimum education of6th/ 8th pass with basic reading, writing and numeracy skills
c. Minimum education of 8th/ 10th pass with basic reading, writing and numeracy skills
d. Minimum education of 10th/ 12th pass with basic reading, writing and numeracy skills
175. Under Scheme “SOVEREIGN GOLD BOND 2015-16” which of the following statement is correct?
a. Minimum investment in the Bonds shall be one grams with a maximum limit of subscription of one
hundred grams per person per fiscal year
b. Minimum investment in the Bonds shall be two grams with a maximum limit of subscription of two
hundred grams per person per fiscal yea
c. Minimum investment in the Bonds shall be one grams with a maximum limit of subscription of five
hundred grams per person per fiscal year
d. Minimum investment in the Bonds shall be two grams with a maximum limit of subscription of five
hundred grams per person per fiscal year.
176. W.e.f. 01.01.16, PAN number for all transactions above -------- in e‐ Stamping has been made compulsory.
a. Rs. 200000
b. Rs. 100000
c. Rs. 50000
d. Rs. 49999

177. As per the norms followed by the Government, a pensioner’s account should not have more than ----
credit transactions in a calendar year attributable to pension and related arrear payments, if any
a. 12
b. 13
c. 14
d. 15
178. Under the Swatantrata Sainik Samman Pension Scheme 1980, Dependent family pension is not
sanctioned to a spouse or a daughter of a freedom fighter if
a. The spouse/daughter is already employed in a Central or a State Government, Central/State PSU or
local body and income from such job/activity exceeds Rs.240,000/- per year or Rs.20,000/- per
month.
b. The spouse/daughter is already employed in a Central or a State Government, Central/State PSU or
local body and income from such job/activity exceeds Rs.120,000/- per year or Rs.10,000/- per
month.
c. The spouse/daughter is already employed in a Central or a State Government, Central/State PSU or
local body and income from such job/activity exceeds Rs.60,000/- per year or Rs.5,000/- per month
d. The spouse/daughter is already employed in a Central or a State Government, Central/State PSU or
local body and income from such job/activity exceeds Rs.2,40,000/- per year or Rs.10,000/- per
month.
179. In Vidyalakshmi portal ( an electronic platform to apply for education loan) The student after Registration
on the Portal can simultaneously apply for the loan with maximum
a. Two banks
b. three banks
c. Four banks
d. Five Banks
180. With effect from 01.02.2016, the currency chests holding banks to enhance the service charges to be
levied on cash deposited by non chest bank branches from existing rate of Rs.2/- per packet of 100 pieces
to ______.
a. Rs.3
b. Rs.5
c. Rs.8
d. Rs.10
181. AMI' Stands for ?
a. Agricultural Monitoring Infrastructure
b. Agricultural Marketing Infrastructure
c. Agricultural Managing Infrastructure
d. Account Maintenance Infrastructure
182. Bank has introduce 7 New Self service options on IVRS. Kindly select the self service which is already
available on IVRS.
a. ATM Transaction Limit Update
b. POS/Online Transaction Limit Update
c. Enquiry for status of International Card Usage
d. All are new Self service options.
183. Bank is distributing Life Insurance and General Insurance products including Health Insurance through
a. PNB MetLife India Insurance Co Ltd and The Oriental General Insurance Co Ltd
b. PNB MetLife India Insurance Co Ltd and The National General Insurance Co Ltd
c. PNB MetLife India Insurance Co Ltd and United India General Insurance Co Ltd
d. All of the above

184. Find the correct option in relation to the Concessional Rate of Interest on deposits.
a. Deposits held, singly, in the personal names of widows of the employees, who died during the service
of the bank only.
b. Deposits held, singly, in the personal name of spouse of a deceased member of a staff or a deceased
retired member of the Bank’s staff.
c. A & B Both are correct
d. Either A or B
185. The rate of interest on the refinance from IREDA to Banks/FIs shall be ____ per cent per annum. The
scheduled commercial Banks/FIs are required to provide the refinanced component of loan to the
borrower at the same interest rate i.e. two per cent per annum.
a. 3.0 % & 3.0 %
b. 2.5 % & 2.5 %
c. 2.0 % & 2.0 %
d. 3 % Above Bank Rate & 3 % Above Bank Rate
186. Which one of the following is not the features of the Interest Equalisation Scheme:
a. The rate of interest equalisation @ 3% per annum will be available on Pre Shipment Rupee Export
Credit and Post Shipment Rupee Export Credit.
b. The scheme would be applicable w.e.f 01.04.2015 for 5 years. Government, however, reserves the
right to modify/amend the Scheme at any time.
c. The scheme will be available to all exports under 416 tariff lines [at ITC (HS) code of 4 digit]as per
Annexure IV and exports made by Micro, Small & Medium Enterprises (MSMEs) across all ITC(HS)
codes.
d. Scheme would be available to merchant exporters.
187. Maximum Interest Rate cap to MSE Category of Borrowers Covered under CGTMSE, as per CGTMSE
guidelines can be_______
a. Not more than BR+2% for loans upto Rs. 50.00 lac
b. Not more than BR+3% for loans more than Rs. 50.00 lac
c. Not more than BR+4% for loans upto Rs. 50.00 lac
d. Not more than BR+4% for loans upto Rs. 100.00 lac
188. How many application can process in ASBA ?
a. Five Applications Can Be Made From a Single Deposit Account in Each issue.
b. One application can be made from a single deposit account in each issue.
c. Two applications can be made from a single deposit account in each issue
d. Any number of Applications can be made from A Single Deposit account in each issue.
189. ___________________ should be the guiding factor for arriving at sacrifice and authority competent to
sanction, when proposal of OTS is recommended to HO.
a. Present Base Rate
b. Base Rate at the time of NPA
c. Recoverable Dues
d. Derecognized Interest
190. As per Bank's guidelines the accounts involving book outstanding of up to Rs._________, the valuation
report should be as recent as possible but not more than 1 year old.
a. 1 Crore
b. 2 Crore
c. 3 Crore
d. 5 Crore

191. As per Bank's guidelines accounts with outstanding balance of more than Rs._________, “Valuation to be
verified/vetted by 2 officials of the Bank independently, one of the officials must not be below the rank of
_____________”
a. 2 Crore, Chief Manager
b. 5 Crore, Senior Manager
c. 5 Crore, Chief Manager
d. 2 Crore, Senior Manager
e. None of the abobe
192. Efforts should be made for settlement of the account through OTS within _____ days. However maximum
period allowed for payment of OTS amount is _____ months with payment of delayed period interest
generally at base rate.
a. 60 Days, 6 Months
b. 90 Days, 6 Months
c. 60 Days, 12 Months
d. 90 Days, 12 Months
193. Preparation of SI-2 (SARFAESI Manual) to get administrative sanction for Recall and taking SARFAESI
Action, lies with :
a. Circle Head
b. Chief Manager of the branch
c. Scale III manager of the branch
d. Incumbent Incharge irrespective of scale
194. Under the SARFAESI Act, In case service of notice is found to be complete and representation u/s 13(3A),
if any received, stands duly replied, issue “Notice to deliver possession of secured assets” be submitted as
Form ______ giving reasonable time to hand over possession of secured assets.
a. SI-4
b. SI-5
c. SI-6
d. SI-7
195. Under the SARFAESI Act, Fixation of Reserve Price of secured assets (movables & immovables)
a. should be got done on by 80th/82nd Day
b. should be got done on by 82nd/84th Day
c. should be got done on by 84th/86th Day
d. should be got done on by 86th/88th Day
196. As per Bank’s guidelines in case of IPs valuing Rs._______ & above, minimum 2 independent latest
valuation reports from Bank’s approved valuers shall be obtained
a. 1 Crore
b. 2 Crore
c. 3 Crore
d. 5 Crore
197. Recently new scheme codes have been customized in CBS for opening the accounts under Recurring
Deposit Scheme. What is the scheme code for opening RD for general public?
a. RD
b. RDPUB
c. RDNEW
d. RDGEN
198. What is the menu options for opening RD for staff?
a. RDSTF
b. RDNEW
c. RD
d. RDNST

199. Free accidental death coverage of Rs. ________has been provided in regular recurring deposit accounts
with installment of Rs.______ per month and above ?
a. 1 lakh, 2000/-
b. 2 lakh, 5000/-
c. 3 lakh, 5000/-
d. 5 lakh, 10000/-
200. Reward points are to be awarded in RD account is opened from IBS. How many reward points will be
awarded?
a. 20
b. 50
c. 100
d. 200
201. For premature cancellation of RD account , penalty has been reduced/enhanced from existing 1% to__ ?
a. Reduced to 0.50%
b. Reduced to 0.75%
c. Enhanced to 1.50%
d. No change in penalty
202. For non-deposit of installment in RD account penalty @Rs.____ per Rs. 100/-p.m will be levied?
a. Rs. 2.00
b. Rs. 1.50
c. Rs. 1.00
d. Rs. 0.50
203. Facility of Premature cancellation of e-FD has been provided in Internet Banking. In which of the following
schemes premature cancellation is not possible.
a. Multi Benefit Term deposit scheme
b. Sugam Term Deposit scheme
c. Anupam Term deposit scheme
d. Special Term Deposit scheme
204. Cash handling charges are NIL for deposit of cash of upto Rs._______ per day at non base branches .
a. Rs. 20000/-
b. Rs. 25000/-
c. Rs. 40000/-
d. Rs. 50000/-
205. In case of term deposits with “Either or Survivor” or “Former or Survivor” mandate, banks are permitted
to allow premature withdrawal of the deposit by the surviving joint depositor on the death of other. How
much penal interest is to be charged in this case?
a. 0.50%
b. 1.00%
c. Such premature withdrawal would not attract any penal charge.
d. Premature withdrawal is not possible by the surviving depositor
206. PNB Rakshak recurring deposit scheme has been customized in CBS for opening of recurring deposit
accounts of defence personnel. What is the scheme code for this scheme?
a. RD
b. RDRKS
c. RDRKH
d. RDRAK

accounts of defence personnel. What is the minimum period of deposit under this scheme?
a. 12 months
b. 24 months
c. 36 months
d. 60 months
accounts of defence personnel. What is the special feature of this scheme?
a. Encashable at any time without premature penalty, if the proceeds are utilised as margin towards
Housing loan to be availed from our bank.
b. Part withdrawal is allowed in the scheme.
c. Exemption from TDS.
d. All of the above.
209. Recently some features has been added on our Bank’s website. Which among the following feature is not
available on our Bank’s website?
a. Online Booking of Lockers
b. Online savings account opening
c. Online PAN card request
210. What should be the minimum balance for sweep in and sweep out facility for variant of PNB Smart
Banking current account scheme- PNB Silver?
a. Rs. 1 lac
b. Rs. 2 lac
c. Rs. 5 lac
d. Rs. 10 lac
Banking current account scheme- PNB Gold?
a. Rs. 1 lac
b. Rs. 2 lac
c. Rs. 5 lac
d. Rs. 10 lac
Banking current account scheme- PNB Diamond?
a. Rs. 1 lac
b. Rs. 2 lac
c. Rs. 5 lac
d. Rs. 10 lac
213. In all variants of PNB Smart Banking current account scheme i.e. Silver, Gold, Diamond and Platinum,
Sweep in and Sweep out should be in multiples of Rs _______?
a. Rs. 20000
b. Rs. 25000
c. Rs. 50000
d. Rs. 100000
214. Recently PNB SF Prudent Sweep Deposit Scheme has been bifurcated into two products i.e. one for
individuals and other for institutions. In PNB SF Prudent Sweep account for Institutions, What is the cut off
level for Sweep in or Sweep out to take place?
a. Rs. 40000/-
b. Rs. 2 lac
c. Rs. 5 lac
d. Rs. 10 lac

individuals and other for institutions. Sweep out or sweep in will take place for a minimum of Rs._____
to/from fixed deposit in PNB SF Prudent Sweep account for Institutions if the balance in the saving account
is above cut off level?
a. Rs. 10000/-
b. Rs. 50000/-
c. Rs. 1 lac
d. Rs. 2 lac
individuals and other for institutions. In PNB SF Prudent Sweep account for Institutions, FDRs will be issued
for a period of ___?
a. Min 7 days and Max 179 days
b. Min 7 days and Max 1 year
c. 1 year only
d. Min 7 days and Max 120 months
individuals and other for institutions. What is the scheme code assigned to PNB SF Prudent Sweep account
exclusively for Institutions?
a. SBPPS
b. SBPPI
c. SBPSI
d. SBINS
individuals and other for institutions. In PNB SF Prudent Sweep account for Individuals, What is the cut off
level for Sweep in or Sweep out to take place?
a. Rs. 25000/-
b. Rs. 40000/-
c. Rs. 50000/-
d. Rs. 1 lac
individuals and other for institutions. In PNB SF Prudent Sweep account for Individuals, FDRs will be issued
for a period of ___?
a. Min 7 days and Max 179 days
b. Min 7 days and Max 1 year
c. 1 year only
d. Min 7 days and Max 120 months
individuals and other for institutions. On what dates on the month, sweep out will take place in PNB SF
Prudent Sweep account for Individuals?
a. On last day of the month
b. On first day of the month
c. On 5th, 15thand 25th of the month
d. Every Friday of the month
221. To empower women, our bank has launched a new savings fund account scheme- PNB Power Savings
account for women on International Women’s day. What is the scheme code for this account?
a. SBWPR
b. SBPWR
c. SBPSA
d. SBWMN

account for women on International Women’s day. What is initial deposit amount for this scheme?
a. Rs. 500/- for rural/semi-urban and Rs. 1000/- for urban/metro
b. Rs. 500/- for rural/semi-urban/ urban/metro
c. Rs. 1000/- for rural/semi-urban/ urban/metro
d. Can be opened with Zero balance
account for women on International Women’s day. What is the per day domestic cash withdrawal limit
from ATM in this scheme?
a. Rs. 15000/-
b. Rs. 25000/-
c. Rs. 40000/-
d. Rs. 50000/-
account for women on International Women’s day. What is the per day domestic shopping limit on POS in
this scheme?
a. Rs. 50000/-
b. Rs. 60000/-
c. Rs. 1.25 lacs
d. Rs. 1.50 lacs
account for women on International Women’s day. What is the maximum free personal accident insurance
cover available on platinum debit card in this ccount?
a. Rs. 1 lac
b. Rs. 2 lac
c. Rs. 5 lac
d. Personal accident insurance cover is not available in this scheme
226. Amount of personal accident insurance cover under PNB Rakshak Scheme for persons below officer rank?
a. Rs. 1 lac
b. Rs. 2 lac
c. Rs. 3 lac
d. Rs. 5 lac
227. Amount of PAI cover under PNB Rakshak Scheme for officers below rank of brigadier?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 8 Lac
d. Rs. 10 Lac
228. What is the amount of personal accident insurance cover under PNB Rakshak Scheme for Officers above
rank of brigadier?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 8 Lac
d. Rs. 10 Lac
229. What is the amount of accidental death insurance cover available during air travel under PNB Rakshak
Scheme for persons below officer rank?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 8 Lac
d. Rs. 10 Lac

Scheme for officers below rank of brigadier?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 8 Lac
d. Rs. 10 Lac
Scheme for officers above rank of brigadier?
a. Rs. 5 lac
b. Rs. 10 lac
c. Rs. 20 lac
d. Rs. 30 lac
232. How many reward points will be rewarded to customer for online registration of IBS/MBS?
a. 20
b. 50
c. 100
d. 200
233. On performing first transaction through IBS, How many reward points will be rewarded to customer?
a. 25
b. 50
c. 75
d. 100
234. On performing NEFT transaction through IBS, How many reward points will be rewarded to customer?
a. 5 per transaction
b. 10 per transaction
c. 15 per transaction
d. 20 per transaction
235. On performing RTGS transaction through IBS, How many reward points will be rewarded to customer?
236. On performing IMPS transaction through IBS/MBS, How many reward points will be rewarded to
customer?
237. For booking a ticket on IRCTC through IBS, how many rewards points will be rewarded to customer?
238. For Credit Card payment done through IBS, how many reward points will be rewarded to customers?

239. We can open FD account and RD account through Internet Banking. How many reward points will be
rewarded to customers?
a. 10
b. 20
c. 50
d. 100
240. How many maximum point can be rewarded to customers in a day for NEFT/RTGS transactions performed
through IBS?
a. 10
b. 20
c. 50
d. 100
241. How many maximum point can be rewarded to customers in a month for NEFT/RTGS transactions
performed through IBS?
a. 10
b. 20
c. 50
d. 100
242. On performing first transaction through Mobile Banking, How many reward points will be rewarded to
customer?
a. 10
b. 20
c. 25
d. 50
243. On performing NEFT/IMPS/Bill payment through Mobile Banking, How many reward points will be
rewarded to customer?
a. 5
b. 10
c. 15
d. 20
244. Recently an Android application has been launched to assist the users of ATM. What is the name of
application?
a. ATM Finder
b. ATM Assist
c. ATM Saathi
d. ATM Ease
245. Our Bank has recently launched a new android app for SMS Banking for Single Touch Banking Operations.
What is the name of the application?
a. PNB MobiSugam
b. PNB MobiSuccess
c. PNB MobiSafal
d. PNB MobiEase
246. To add a security feature in its IBS/MBS, Bank has introduced facility of Blocking of Internet Banking and
Mobile Banking passwords through SMS when not in use. What is name of the facility?
a. Sleep Easy
b. Hibernate
c. Lock Pass
d. Pull Sweep

247. What is the SMS format for blocking Internet Banking transaction password when not in use and sending
it to 5607040?
a. BLOCK<space>IBS<space>User-ID
b. IBS<space>BLOCK<space>User-ID
c. User-ID<space>IBS<space>BLOCK
d. BLOCK<space>User-ID<space>IBS
248. What is the SMS format for blocking Mobile Banking transaction password when not in use and sending it
to 5607040?
a. BLOCK<space>MBS<space>User-ID
b. MBS<space>BLOCK<space>User-ID
c. User-ID<space>MBS<space>BLOCK
d. BLOCK<space>User-ID<space>MBS
249. How much cash can be deposited in one go in Bulk Note Acceptor machine if PAN is registered in the
account?
a. Upto Rs. 30000/-
b. Upto Rs. 50000/-
c. Upto Rs. 100000/-
d. Upto Rs. 200000/-
250. What is the amount of Accidental Insurance Coverage to Rakshak Classic Card Holders?
a. Rs. 50000/-
b. Rs. 1 Lacs
c. Rs. 2 Lacs
d. Rs. 5 Lacs
251. What is the amount of Accidental Insurance Coverage to Rakshak Platinum Card Holders?
a. Rs. 50000/-
b. Rs. 1 Lac
c. Rs. 2 Lacs
d. Rs. 5 Lacs
252. Recently a new feature has been added in PNB mobile Banking app. What is the name of this feature?
a. Water/Electricity Bill payment
b. Credit Card payment
c. Mobile/DTH recharge
d. IRCTC ticket booking
253. If a transaction in a pension account is done through branch and mobile number is registered in the
account , what would be the threshold limit for the sms alerts to be sent on registered mobile number?
a. Rs. 1000/- and above
b. Rs. 5000/- and above
c. Alerts for all transactions
d. SMS alert facility not available for pension accounts
254. Our bank has recently launched Bulk cash acceptor cum ATM machine. How many currency note can
machine accept in one go?
a. 100
b. 200
c. 300
d. 500

255. Our bank has recently launched Bulk cash acceptor cum ATM machine. The maximum amount per
transaction that can be deposited by a customer through the machine if PAN is registered in the account
is_____ ?
a. Rs. 50000/-
b. Rs. 100000/-
c. Rs. 200000/-
d. Rs. 49900/-
256. Our bank has recently launched Bulk cash acceptor cum ATM machine. The maximum amount per
transaction that can be deposited by a customer through the machine if PAN is not registered in the
account is_____ ?
a. Rs. 30000/-
b. Rs. 49000/-
c. Rs. 49900/-
d. Amount cannot be deposited in PAN is not registered
257. What is e-CMS?
a. System of effectively handling inward NEFT/RTGS Transactions for corporate Customers/ Business
Entities with large volume inward transaction with complete MIS through virtual accounts
b. System of effectively handling inward/outward clearing transactions, inland bills and Debit/Credit
transaction for corporate Customers/ Business Entities with large volume of transaction with
complete MIS through virtual accounts
c. Either ‘a’ or ‘b’
d. Both ‘a’ and ‘b’
258. Recently an electronic platform has been launched to apply for education loan. What is the name of the
portal?
a. Vidya Lakshmi portal
b. Shiksha Lakshmi Portal
c. Vidya Saraswati Portal
d. E-Shiksha Portal
259. To promote the installation of Solar Power Systems by MNRE, Recently financing of Solar Power systems
has been included under Housing Finance Scheme for public. What is the maximum loan amount for
financing Solar Power system?
a. Rs. 1 Lac
b. Rs. 2 Lac
c. Rs. 2.5 Lac
d. Rs. 3 Lac
260. To promote the installation of Solar Power Systems by MNRE, Recently financing of Solar Power systems
has been included under Housing Finance Scheme for public. What is the repayment period if the Solar
System is installed on standalone basis and applicant is not ready to mortgage the property.
a. Max. 24 months
b. Max. 36 Months
c. Max. 48 Months
d. Max. 60 Months
261. What is the maximum loan amount for financing of car by public for Individuals/ Proprietorship concerns?
a. 25 Lacs
b. 50 Lacs
c. 75 Lacs
d. 100 Lacs

262. What is the maximum repayment period (after moratorium) for PNB Udaan scheme- Education loan
scheme for pursuing Higher Studies abroad.
a. 10 years
b. 12 years
c. 15 years
d. 20 years
263. What is the menu option for capturing course details at the time of account opening under PNB Udaan
scheme?
a. CDEDU
b. EDUCD
c. UDAANEDU
d. CCEDU
264. What is the quantum of finance for PNB Udaan scheme?
a. Rs. 10 Lacs
b. Rs. 15 Lacs
c. Rs. 20 Lacs
d. Rs. 25 Lacs
265. What is the maximum repayment period (after moratorium) for PNB Pratibha scheme- Education loan
scheme for students getting admission in premier institutes?
a. 5 years
b. 10 years
c. 15 years
d. 20 years
266. What is the quantum of finance for Category-A institutes (10 institutes) under PNB pratibha scheme?
a. Rs. 20 Lacs
b. Rs. 15 Lacs
c. Rs. 10 Lacs
d. Rs. 5 Lacs
267. What is the quantum of finance for Category-B institutes (71 institutes) under PNB pratibha scheme?
a. Rs. 20 Lacs
b. Rs. 15 Lacs
c. Rs. 10 Lacs
d. Rs. 5 Lacs
268. What is the quantum of finance for Category-C institutes (81 institutes) under PNB pratibha scheme?
a. Rs. 20 Lacs
b. Rs. 15 Lacs
c. Rs. 10 Lacs
d. Rs. 5 Lacs
269. What is the maximum repayment period (after moratorium) for PNB Saraswati scheme- Education loan
scheme for pursuing Higher Education in India
a. 15 years
b. 10 years
c. 8 years
d. 5 years

270. What is maximum loan amount under Personal Loan scheme for Pensioners for age of borrower upto 70
years?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 7.5 Lac
d. Rs. 10 Lac
271. What is the rate of interest under Personal Loan scheme for Pensioners repayable in less than 3 years?
a. BR
b. BR+2.5
c. BR+3.25
d. BR+3.5
272. What is maximum loan amount under Personal Loan scheme for Pensioners for age of borrower above 70
years and upto 75 years?
a. Rs. 3 Lac
b. Rs. 5 Lac
c. Rs. 7.5 Lac
d. Rs. 10 Lac
273. What is maximum loan amount under Personal Loan scheme for Pensioners for age of borrower above 75
years?
a. Rs. 3 Lac
b. Rs. 5 lac
c. Rs. 7.5 Lac
d. Rs. 10 Lac
274. Maximum permissible deduction of net monthly pension under Personal Loan Scheme for pensioners is ?
a. 30%
b. 40%
c. 50%
d. 60%
275. What is the extent of Loan amount for business purposes for finance against mortgage of immovable
property?
a. 3.00 crore
b. 5.00 crore
c. 7.5 crore
d. 10.00 crore
276. What is the repayment period for loans sanctioned for business purposes against mortgage of immovable
property?
a. 60 months
b. 84 months
c. 120 months
d. 180 months
277. What is the extent of Loan amount for Pradhan Mantri Awas Yojna scheme- PNB Housing for All- Credit
linked subsidy scheme for EWS/LIG Beneficiaries?
a. Rs. 20 Lakh
b. Rs. 25 Lakh
c. Rs. 30 Lakh
d. Rs. 40 Lakh

278. What is the menu option in CBS to fill the relevant data for lodgement of subsidy to be claimed under
Pradhan Mantri Awas Yojna scheme- PNB Housing for All- Credit linked subsidy scheme for EWS/LIG
Beneficiaries?
a. SUBPMAY
b. ADPMAY
c. PMAYSUB
d. PMAYAD
279. Recently Education Loan scheme PNB Honhaar has been launched for pursuing higher education and skill
development courses in Delhi. What is the maximum loan amount and margin under this scheme?
a. Rs. 10 Lakh, NIL margin
b. Rs. 20 Lakh, 10% margin
c. Rs. 5 Lakh, 10% margin
d. Rs. 10 Lakh, 5% margin
280. For financing purchase of two wheeler to women borrowers , a new scheme PNB Power Ride has been
launched. What is the maximum loan amount , margin and rate of interest under this scheme?
a. Rs. 60000/-, 10%, BR+2.00%
b. Rs. 50000/-, 10%, BR+1.50%
c. Rs. 60000/-, 15%, BR+1.50%
d. Rs. 60000/-, 10%, BR+1.50%
281. For financing purchase of two wheeler to women borrowers , a new scheme PNB Power Ride has been
launched. What is the income criteria and repayment period under this scheme?
a. Rs. 10000/- p.m, 36 months
b. Rs. 8000/- p.m, 24 months
c. Rs. 8000/- p.m, 36 months
d. Rs. 8000/- p.m, 60 months
282. Under Dr. Ambedkar Central Sector Scheme of Interest Subsidy, interest subsidy is provided on education
loans is provided for Overseas Studies for the students belonging to OBCs & EBCs communities. What is
the menu option in CBS for capturing details for submission and lodgement of claim?
a. OBEDU
b. EDUOB
c. EDUSUB
d. BOEDU
283. Under Dr. Ambedkar Central Sector Scheme of Interest Subsidy, interest subsidy is provided on education
loans is provided for Overseas Studies for the students belonging to OBCs & EBCs communities. What is
the income criteria for OBC and EBC candidates respectively?
a. Rs. 1 Lac and Rs. 3 Lac per annum
b. Rs. 3 lac and Rs. 1 Lac per annum
c. Rs. 2 lac for both categories
d. Rs. 5 lac and Rs. 2 lac per annum
284. Under Housing finance scheme for public, what is the percentage of margin for purchase of land/plot for
house building ?
a. 10%
b. 20%
c. 25%
d. 40%

285. Recently a new variant of Housing loan scheme “PNB Gen-Next housing finance scheme for public” has
been launched to bring Gen-Next customers such as IT professionals, young executives, PSUs/ PSBs/ Govt.
Employees into Bank’s fold. Under this scheme borrower will be offered ___times of the loan amt
calculated as per the regular housing loan eligibility method, subject to maintenance of LTV ratio.
a. 1.10
b. 1.25
c. 1.50
d. Loan amount will be same as per housing finance scheme for public.
Employees etc. into Bank’s fold. What is age limit of borrower under this scheme?
a. 40 years
b. 45 years
c. 50 years
d. 55 years
Employees etc. into Bank’s fold. What should be minimum net monthly salary of borrower under this
scheme?
a. Rs. 30000/-
b. Rs. 35000/-
c. Rs. 40000/-
d. Rs. 45000/-
Employees etc. into Bank’s fold. What is minimum loan amount under this scheme?
a. Rs. 15 lacs
b. Rs. 20 lacs
c. Rs. 25 lacs
d. Rs. 30 lacs
Employees etc. into Bank’s fold. What is the repayment period under this scheme?
a. 30 years
b. 35 years
c. 40 years
d. 25 years
290. Under the Credit Guarantee Fund Scheme For Education Loans (CGFSEL), all Education loan (for pursuing
studies in India and Abroad) sanctioned upto _________ without obtaining collateral security and/or third
party guarantee and with Maximum Rate of Interest______ shall be covered.
a. Rs. 7.50 lacs, BR+1.50%
b. Rs. 10.00 lacs, BR+2%
c. Rs. 7.50 lacs, BR+2%
d. Rs. 5.00 lacs, BR+2.5%
291. Under the Credit Guarantee Fund Scheme For Education Loans (CGFSEL), the Fund shall provide
guarantee cover to the extent of ______of the amount in default.
a. 60%
b. 75%
c. 80%
d. 90%

292. When RBI wants to reduce liquidity in the banking system:
a. It increases the CRR
b. It reduces the SLR
c. It increases the Repo Rate
d. It decreases the Repo Rate
293. The methodology of calculation of Base Rate can be changed by Banks after___
a. 1 year
b. 2 years
c. 3 years
d. 5 years
294. The group exposure norms are applicable in case of :
a. Rehabilitation of such units
b. Loan against deposits
c. State govt. guaranteed accounts
d. Food credit
295. Bank’s aggregate exposure in capital market can be :
a. Maximum 40% of networth of previous year
b. Maximum 20% of networth of previous year
c. Maximum 40% of capital of previous year
d. Maximum 20% of capital fund of previous year
296. Bank’s direct exposure to capital market can be:
a. Maximum 40% of networth of previous year
b. Maximum 40% of capital of previous year
c. Maximum 20% of networth of previous year
d. Maximum 20% of capital fund of previous year
297. In case of sanction of loans to the directors of other banks or their relatives , the loan aggregating Rs.
____and above can be sanctioned by Board of Directors:
a. 25 lac
b. 50 lac
c. 100 lac
d. 500 lac
298. Banks at their level can allow advances under selective credit system upto an amount of :
a. 10 lac
b. 50 lac
c. 75 lac
d. Discretion of the bank.
299. As per Nayak committee method, minimum working capital should be ___ months’ projected sales?
a. 1 month
b. 2 months
c. 3 months
d. 4 months
300. For sanctioning Term Loans, which of the following ratio is more important?
a. Quick ratio
b. Debt equity ratio
c. Current ratio
d. Debt service coverage ratio
e. All of the above

301. District Forum has passed order to pay compensation. How recovery of the ordered amount is made?
a. By filing execution in Civil court
b. By filing execution before district forum
c. By filing civil suit
d. By referring the order to collector for making recovery as if it is land revenue recovery
302. Who is the chairman of the central consumer protection council?
a. Chief justice of the supreme court
b. Judge of the supreme court appointed by the chief justice of the supreme court
c. Minister in charge of law and judiciary in the central government
d. Minister in charge of consumer affairs in the central government
303. In a civil suit, to which bank is not a party, one of the parties has produced certified copies of books of
accounts. One party to the suit wants to call bank officer as witness to prove the contents of the copy. Can
it be done?
a. Yes, as it is the right of the party to get it reaffirmed in evidence
b. No, as the certified copy is a prima facie evidence that is admissible in evidence
c. No, unless the bank volunteers to do so
d. Yes, but if court allows the application to call the witness.
304. Doctrine of election will come into play
a. When there exists two or more remedies
b. When there are inconsistencies between the remedies
c. When there is choice available to the party to opt for one of them
d. When all the aforesaid elements are to be present in a case.
305. Can the order of the central government in the appointment of the presiding officer of the tribunal be
challenged in any court?
a. Yes, before the appellate tribunal
b. No
c. No, unless the high court permits for it
d. Yes, under constitution article 226 before the High court
306. Provisions of the SARFAESI act are applicable to which of the following?
a. Pledged goods
b. Only mortgaged properties
c. Securities that are not otherwise charged to the creditors
d. Securities charged to the creditors and not in the possession of creditor
307. Charges created by company shall be registered with ____
a. Registrar of assurances
b. Registrar of firms
c. Registrar of companies
d. All of the above
308. Under companies act, a charge includes___
a. Mortgage
b. Promissory Note
c. Bill of Exchange
d. Letter of Credit
309. Charge shall be registered within ___ days from the date of creation of charge.
a. 60
b. 30
c. 15
d. At the discretion of the bank

310. Hypothecation is an implied pledge in cases where____
a. Constructive possession of goods is given
b. Delivery of goods is given
c. Constructive possession of obligation is given
d. All of the above
311. Pledge means____ of goods for purpose of securing a payment of debt or performance of promise.
a. Set off
b. Hypothecation
c. Safe deposit
d. Bailment
312. Mortgage is ____ in the immovable property.
a. Transfer of title
b. Transfer of interest
c. Pledge
d. Hypothecation
313. Simple mortgage is created by
a. An instrument in writing
b. A oral agreement
c. A oral assent
d. Unwritten promise
314. In mortgage by way of conditional sale of property is :
a. Sold with a condition for re-conveyance
b. Sold unconditionally
c. Sold by mutual oral consent
d. All of the above are correct
e. None of the above are correct
315. Limitation period for filing a suit for sale of mortgaged properties is ____ years from the date of mortgage
debt becomes due.
a. 3
b. 5
c. 10
d. 12
316. Bills of lading, dock warrants, warehouse keeper’s certificate etc. are some examples of
a. Documents of title to goods
b. Documents of title to negotiable instruments
c. Documents of title to immovable property
e. None of the above are correct
317. For a loan against fixed deposit receipts_____
a. Stamp duty is very high
b. Stamp duty depends on the loan amounts
c. The depositor/borrower affix revenue stamp on the reverse of the deposit receipt
d. There is no stamp involved
318. The maker of the bill is called_____
a. Endorsee
b. Drawee
c. Drawer
d. Payer

319. Bill purchase facility is granted in the case of
a. Demand bills
b. Usance bills
c. Tenor bills
d. Term bills
320. Ownership of goods can be transferred by endorsement and delivery of ___
a. Right to money
b. Obligation to pay
c. Document of title to goods
d. Document of title to immovable property
321. There are ___ parties involved in a Bank guarantee
a. 1
b. 2
c. 3
d. 4
322. The person in whose favour guarantee is issued is called___
a. Issuer
b. Banker
c. Indemnifier
d. Beneficiary
323. There are ____ parties to a contract of indemnity
a. 1
b. 2
c. 3
d. 4
324. A person promising to save another from loss is called _____
a. Indemnified
b. Indemnifier
c. Collecting banker
d. paying banker
325. indemnifiers liability in a contract of indemnity is _____
a. primary
b. secondary
c. collateral
d. discretionary
326. Cash credit facility is a ____
a. Fund based facility
b. Non fund based facility
c. Both fund and non fund
d. Acceptance facility
327. Limitation period for filing a suit in term loans is ____ years from the date of default in instalment.
a. 1
b. 2
c. 3
d. 5

328. The contract of cash credit or overdraft can be ___
a. Express
b. Implied
c. Both (a) and (b)
d. Pledged
329. Individual borrowers are governed by the ____act.
a. Partnership act
b. Limited liability partnership act
c. Indian contract act
d. Companies act
330. In a hindu undivided family the business of the family is managed by ____
a. Karta
b. Proprietor
c. Partner
d. Director
331. A public limited company shares are____
a. Not transferable
b. Transferable
c. The act is silent
d. Partially transferrable
332. Private trusts are governed by the ____ act.
a. Companies act
b. Partnership act
c. Indian trusts act
d. Indian contract act
333. When a banker receives information that a cheque for collection is lost, the banker should
a. Inform the drawer
b. Inform the drawee
c. Inform the RBI
d. Exercise due caution while collecting the cheque
334. In the absence of proper reference the banker can be held liable on grounds of __
a. Negligence
b. Connivance
c. Crime
d. Arrogance
335. The duties of the collecting bank to claim protection has been laid down under the ___
a. Indian contract act
b. Banking regulation act
c. Negotiable instrument act
d. Banking companies rules
336. Section 131A of the NI act extends the protection granted to a banker while___
a. Receiving payment of a cheque and drafts
b. Making payment of a cheque and drafts
c. Endorsing payment of a cheque and drafts
d. All of the above

337. A customer is bound to inform the ___ about lost cheque leaves.
a. Payee
b. Endorsee
c. Collecting bank
d. Drawee bank
338. In a joint account if one of the signatures is forged____
a. The bank and the customer are equally liable
b. Only the customer is liable
c. Only the bank is liable
d. No one is liable
339. Payment to be made in due course _______
a. Need not always be made to holder but can be made to his agent or servant
b. Need always has to be made to holder but can be made to his agent or servant
c. Made to customer’s agent or servant
340. Reserve bank is empowered to conduct ___ of a banking company under section 35(1) of the BR act.
a. Inspection
b. Special audit
c. Audit
d. Scrutiny
341. Zero risk investment implies
a. Zero variation in cash flow from investment
b. Investment in zero coupon bonds
c. Investment in government securities
d. Investment in bank fixed deposits
342. A bank funds its assets from a pool of composite liabilities. Apart from credit and operational risk, it
faces___
a. Basis risk
b. Mismatch risk
c. Market risk
d. Liquidity risk
343. Premature payment of a term loan will result in interest rate risk of type
a. Basis risk
b. Yield curve risk
c. Embedded option risk
d. Mismatch risk
344. A firm wants to purchase plant and machinery on long term credit basis , from the supplier on the
guarantee of its bank. Which facility can be sanctioned by the bank?
a. Cash credit
b. Term loan
c. Deferred payment guarantee
d. Performance guarantee
e. Factoring
345. Which accounts are called ‘ your account with us’
a. Loro account
b. Vostro account
c. Nostro account
d. FCNR account

346. Which of the following is applied for quoting the foreign exchange rates in India?
a. Cross rates
b. Direct rate
c. Indirect rate
d. Buying rate
347. The maximum amount of foreign exchange that a resident can retail is restricted to___
a. USD 1000
b. USD 2000
c. USD 3000
d. USD 5000
348. When a bank receives foreign currency , it makes use of the following?
a. Buying rate
b. Selling rate
c. TT rate
d. Spot rate
349. The resident Indians can remit up to _____ under RBIs Liberalized Remittance scheme.
a. USD 125000 per financial year
b. USD 250000 per financial year
c. USD 200000 per calendar year
d. USD 200000 per financial year
350. Maximum amount of gift or donation that can be sent abroad within LRS scheme of RBI is
a. USD 125000 per financial year
b. USD 250000 per financial year
c. USD 200000 per calendar year
d. USD 200000 per financial year
351. Marking lien in operative account for recovery of instalment, the menu option is used
a. ALM
b. AFSM
c. LALIEN
d. LADSP
352. After marking of lien in operative account, the menu option _____ is used for recovery of instalment
a. LALIEN
b. TM
c. TTUM
d. LADSP
353. For generation of letters to borrowers/guarantors in irregular account the menu option is used
a. GENLET
b. LALIEN
c. LETGEN
d. LAODR
354. The interest certificate is to be provided to the borrowers of Housing loan & education loan, menu option
is
a. TDSIP
b. INTCERT
c. CERTISS
d. CERTINT

355. What is the maximum loan amount for financing car
a. Rs.10.00 lac
b. Rs.25.00 lac
c. Rs.50.00 lac
d. Rs.100.00 lac
356. What is “PNB Power Ride”
a. Scheme for financing purchase of car to women borrowers
b. Scheme for financing purchase of scooter to women borrowers
c. Scheme for financing purchase of motor cycle to women borrowers
d. Scheme for financing purchase of two wheelers to women borrowers
357. What is the rate of interest for women borrowers for purchase of Car (Rate Code: CARWB w.e.f.
19.10.2015.
a. BR
b. BR+1.00
c. BR+0.25
d. BR+0.15
358. . What is not true about “PNB Power Ride ”
a. Max. Loan amount of Rs.60000/-
b. ROI: BR+1.50%
c. Repayment 36 month
d. Monthly Income: Min. Rs.9000/-
e. Margin 10% of Ex-showroom price.
359. How much maximum loan may be sanctioned under Kaushal Education Scheme
a. Rs. 1.50 lac
b. Rs. 1.00 lac
c. Rs. 2.00 lac
d. Rs. 2.50 lac
360. As per Housing loan scheme, loan amount for purchase of Land/Plot under any circumstance should not
be more than
a. 40% of the eligible loan amount as per the repayment capacity.
b. 50% of the eligible loan amount as per the repayment capacity
c. 60% of the eligible loan amount as per the repayment capacity
d. 75% of the eligible loan amount as per the repayment capacity
361. Hypothecation is defined in
a. Indian contract act 1872
b. Transfer of property act
c. Negotiable Instrument act
d. SARFAESI Act 2002
e. None of above
362. Which one of the following is not a credit rating agency
a. CRISIL
b. CIBIL
c. SMERA
d. ONICRA
363. Under SARFAESI , a notice of ----- days is to be given to the borrower in writing to discharge his liabilities in
fulfilling which the secured creditor shall exercise his rights under sec 13(4)
a. 30 days
b. 45 days
c. 60 days
d. 90 days

364. What is Interest Table code for Housing Loan upto Rs.80.00 lac(Single Loan a/c. for Members of Staff
a. STHL8
b. STHLL
c. SLTHL
d. STHLL
365. Maximum repayment period for loan for repair/renovation/ alteration is:
a. 15 years including moratorium period of 6 months
b. 10 years including moratorium period of 6 months
c. 15 years including moratorium period of 18 months
d. 20 years with no moratorium period
366. Security Verification is to be carried out ___________for regular housing loan accounts
a. Half yearly
b. Once in a year
c. Once in two years
d. Once in three years
367. While putting a transaction in Loan accounts in Finacle, which of the following codes are required to be
given mandatorily?
a. Interest Code
b. Flow Id
c. SRM Code
d. Tran Date
e. None of these.
368. What is the maximum Loan amount to pensioners if age is above 70 years to 75 years ?
a. Rs. 7.50 lac
b. Rs. 3.00 lac
c. Rs. 5.00 lac
d. Rs. 10.00 lac
369. What is Interest Table Code for Car loan Scheme for Workmen Staff
a. SRTCW
b. STRCW
c. STCRW
d. SWCTR
370. The Branch has sanctioned a CC Limit of Rs 28 Lacs with 30% margin to a Borrower. What must be
minimum value of Stock in order to avail full limits
a. 36 Lacs
b. 36.40 Lacs
c. 19.60 Lacs
d. 40.00 Lacs
371. Security documents against an advance can be executed
a. Before the amount of the loan is disbursed
b. At the time of disbursement of the amount of the loan
c. At the time or before the disbursement of the loan
d. Any time after the disbursement of the loan, but before the expiry of limitation period
372. In Housing Loans, if construction is not completed within ___yrs. of the date of first disbursement or
the plot is sold, penal interest of ________% over and above the applicable rate is to be charged
a. 5 years, 2%
b. 5 years, 1%.
c. 3 years, 2%
d. 3 years, 1%

373. Recoveries in NPA accounts(irrespective of the mode/status/stage of recovery actions. shall be
appropriated in the following order of priority:
a. Principal, Interest, Cost of Unit.
b. Interest ,Arrear of Installment, Principal Outstanding
c. Expenditure, Principal, Interest
d. Principal, Interest, Expenditure
374. If the projected annual turnover is Rs. 400 lakh, what should be the minimum working capital limit as per
Nayak Committee Recommendations?
a. Rs. 100 lakh
b. Rs. 80 lakh
c. Rs. 75% of the total current assets
d. Rs. 75% of the working capital gap
375. In which of the following cases, the provisions of SARFAESI Act cannot be invoked for enforcing security
interest?
a. The security is under lien or pledge.
b. The account is NPA due to non financial reasons.
c. The outstanding dues are less than 20% of principal and interest.
d. All of the above
376. The appeal against the order/decree of Lok Adalat may be made with
a. DRT
b. DRAT
c. High Court
d. Supreme Court
e. No appeal can be made in this case
377. In housing loan, the deduction can be up to 60%, if NMS is above
a. Rs. 75000/-
b. Rs. 50000/-
c. Rs. 60000/-
d. Rs. 100000/-
378. Which is the new menu option in CBS which has clubbed 6 sub menus for recording the details of NPA
accounts
a. MEAC
b. NPAGLXFRSC
c. NPADET
d. RCYM
379. Vetting of loan documents is required for sanctioned limit of Rs._____ and above
a. Rs. 1 cr
b. Rs. 5 cr
c. Rs. 2 cr
d. Rs. 10 cr
380. What is the menu option for recording the NPA details in CBS system
a. MEAC
b. NPAGL
c. NPAD
d. SARF

381. The menu option for re-phasement of EMI loan account
a. REPHASE
b. REPHASEMI
c. REPHASEI
d. ACM-E Detail
382. What is the menu option for recording the SARFAESI details in CBS
a. SARF
b. NPAD
c. COWO
d. NPAGL
383. In case of _______defaults in repayment of housing loan, inspection should be carried out immediately
a. One instalment
b. Two continuous
c. Three continuous
d. Four continuous
384. Which of the following modes should be applied, with an aim to secure "Maximum Price" for the assets to
be sold under Rules 6 to 9 of the Security Interest (Enforcement) Rules 2002 ?
a. By obtaining quotations from parties dealing in secured assets or otherwise interested in buying the
secured assets
b. By inviting tenders from public
c. By holding public auction
d. Any of the above
385. As per extant guidelines, if the value of immovable property to be mortgaged/ charged is _________ &
above, branches shall get valuation of such IPs done from minimum two valuers on the Bank's approved
panel.
a. 1 Crore
b. 2 Crore
c. 3 Crore
d. 5 Crore
386. The Board advised that photographs of wilful defaulters with outstanding of Rs. ________ & above be
only published
a. 10 Lacs
b. 25 Lacs
c. 50 Lacs
d. 1 Crore
387. Wherever the detail of property is to mentioned in the advertisement for e-auction, it should be
complete in all respects including
a. Address with Pin code of city/area
b. Any dues payable to State Government
c. Any dues payable to local authorities
d. All of the above
388. Which of the following is the evidence for physical import of goods?
a. The exchange control copy of bill of entry for home consumption
b. Ex-bond Bill of entry issued by Customs authorities
c. The courier bill of entry declared by courier companies to the customs authorities
d. All of the above

389. In "Pradhan Mantri Awas Yojna":- Pnb Housing For All Credit Linked Subsidy Scheme For Ews/Lig
Beneficiaries
a. The subsidy is available at the rate of 6.5% upto loan amount of maximum Rs.6 lac for tenure of 15
years or during tenure of the loan whichever is lower. Additional loans beyond Rs.6 lac, if any, will be
at nonsubsidized rate.
b. The subsidy is available at the rate of 6.5% upto loan amount of maximum Rs.7 lac for tenure of 15
at nonsubsidized rate.
c. The subsidy is available at the rate of 6.5% upto loan amount of maximum Rs.8 lac for tenure of 15
at nonsubsidized rate
d. The subsidy is available at the rate of 6.5% upto loan amount of maximum Rs.9 lac for tenure of 15
at nonsubsidized rate
390. Under Personal Loan Scheme For Pensioners which of the following statement is not correct
a. Loan amount increased from Rs.3.00 lac to Rs.10.00 lac
b. Rationalization in maximum permissible deductions, i.e., 50% irrespective of net monthly pension
c. Increase in documentation charges from (Rs.250 to Rs.450) to Rs.500/-
d. Rate of interest reduced from BR+(6.25% to 5.50%) to BR+4.50% w.e.f. 19.11.2015 for prospective
borrowers only
391. What is the Sum insured under Medical Insurance Scheme for Officers/Employees in lieu of earlier
Hospitalisation Scheme under Regulations/Bipartite Settlement?
a. Officers: Rs. 2,00,000/- ; Clerical Sub-staff: Rs. 1,00,000/-
b. Officers: Rs. 3,00,000/- ; Clerical Sub-staff: Rs. 2,00,000/-
c. Officers: Rs. 4,00,000/- ; Clerical Sub-staff: Rs. 3,00,000/-
d. Officers: Rs. 5,00,000/- ; Clerical Sub-staff: Rs. 4,00,000/-
392. The overdrafts upto Rs.5000/- extended after 08.04.2015 under PMJDY accounts may be classified under
"Micro, small and Medium Enterprises (MSME)" instead of "Others" provided the borrowers household
annual income does not exceed _____________.
a. Rs. 50000 for rural areas and Rs. 100000 for non-rural areas
b. Rs. 75000 for rural areas and Rs. 100000 for non-rural areas
c. Rs. 100000 for rural areas and Rs. 150000 for non-rural areas
d. Rs. 100000 for rural areas and Rs. 160000 for non-rural areas
393. What is the risk weight of Housing Loans above Rs.75 lakh and having LTV Ratio of Less than or equal to
75%?
a. 35%
b. 50%
c. 75%
d. 80%
394. RBI has set up a ________ to collect, store and disseminate credit data of borrowers having aggregate
Exposure of Rs. 5 crore and above with SMA status of the accounts and/or parties having current account
balance of Rs. 1 crore and above to enable banks to access such information for initiating corrective Action
Plan
a. Credit Information Bureau (India) Limited (CIBIL)
b. Central Repository of Information on Large Credits (CRILC)
c. Credit Rating Information Services of India Limited (CRISIL)
d. All of the above

395. Which of the following is false regarding Angular bleed lines, a special feature for the visually impaired
introduced in order to make it easier for them to identify the banknotes?
a. 4 lines in 2 blocks in Rs. 100 note
b. 5 lines in 3 blocks in Rs. 500 note
c. 6 lines in 3 blocks in Rs. 1000 note
d. All of the above
396. In our Bank the committee named as “SPACE” consists of
a. 6 members including an Invitee Member
b. 6 members excluding an Invitee Member
c. 5 members including an Invitee Member
d. 4 members including an Invitee Member
e. No such committee exists in our Bank
397. If the amount of advance remittance exceeds _________or its equivalent, an unconditional, irrevocable
standby Letter of Credit or a guarantee from an international Bank of repute situated outside India or a
guarantee of an AD Category–I Bank in India, if such a guarantee is issued against the counter-guarantee of
an international Bank of repute situated outside India, is obtained.
a. USD 50,000
b. USD 100,000
c. USD 150,000
d. USD 200,000
398. Maximum Loan amount in PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)?
a. Rs. 5 lakh
b. Rs. 10 lakh
c. Rs. 20 lakh
d. Rs. 25 lakh
399. The revised Form 15G/15H can be submitted in which of the following manners?
a. In paper form only
b. Only Electronically after duly verifying through an electronic process in accordance with procedures,
formats & standards yet to be prescribed by Income Tax Department.
c. Both a & b
d. Need not to be submitted
400. While calculating CRAR, Claims on Bank for International Settlements (BIS), International Monetary Fund
(IMF) and eligible Multilateral Development Banks (MDBs) will attract uniform risk weight of_____%
a. 0.00 %
b. 10.00 %
c. 20.00 %
d. 50.00 %
401. What is the full form of OROP?
a. One rank one pension
b. One rank one person
c. One record one person
d. One rank one pensioner
402. What is the meaning of SPOT rate?
a. T+2 days
b. T+1 days
c. T+3 days
d. T+7 days

403. Which letter of credit contains storage facilities at the port of shipment over and above the pre-shipment
finance.
a. Red clause letter of credit
b. Green clause letter of credit
c. Confirmed letter of credit
d. Irrevocable letter of credit
404. What do you mean by EBW?
a. Half yearly statements to be submitted to RBI containing details of export bill written off as on June
and December
b. Yearly statements to be submitted to RBI containing details of export bill written off as on March
c. Quarterly statements to be submitted to RBI containing details of export bill written off as at the end
of each quarter
d. All of the above
405. How many cheque leaves in a year are free in a basic saving bank deposit account?
a. 10
b. 20
c. 30
d. 40
406. What is the minimum QAB for PNB Junior saving accounts for minors?
a. Zero
b. 100/-
c. 500/-
d. 1000/-
407. How many cheque leave are free per half year a PNB saving fund account for minors?
a. 10
b. 20
c. 30
d. 40
408. NEFT charges are free upto Rs. _____ per day in PNB saving fund account for minors?
a. 10000/-
b. 20000/-
c. 50000/-
d. 1 lac
409. What type of internet banking facility is available in PNB saving fund account for minors?
a. View facility only
b. Transaction facility only
c. View and transaction both
d. Internet banking facility in not available
410. What is the scheme code for the accounts under PNB saving fund scheme for minors?
a. SBMIN
b. SBGEN
c. SBJUN
d. SBBDA
411. What is the initial deposit amount for Anupam term deposit scheme?
a. Rs. 100/-
b. Rs. 5000/-
c. Rs. 10000/-
d. Rs. 1/-

412. What is the maximum amount of deposit for Anupam Term deposit scheme?
a. Rs. 9999999/-
b. Rs. 9999000/-
c. Rs. 1 crore
d. Rs. 10 lac
413. What is the minimum period of deposit for Anupam term deposit scheme?
a. 7 days
b. 1 month
c. 6 months
d. 1 year
414. What is the maximum period of deposit for Anupam term deposit scheme?
a. 1 year
b. 5 years
c. 7 years
d. 10 years
415. Interest is credited on ____ basis under Anupa term deposit scheme?
a. Quarterly basis
b. Monthly basis
c. Half yearly basis
d. Yearly basis
416. What is the initial deposit amount for PNB Varshik Aay Yojna scheme?
a. Rs. 1000/-
b. Rs. 5000/-
c. Rs. 10000/-
d. Rs. 1 lac
417. What is the minimum period of deposit under Varshik Aay Yojna scheme?
a. 7 days
b. 6 months
c. 12 months
d. 24 months
e. 3 years
418. What is the maximum period of deposit under Varshik Aay Yojna scheme?
a. 1 year
b. 5 years
c. 7 years
d. 10 years
419. What is the maximum amount of deposit under Varshik Aay Yojna scheme?
a. Rs. 9999999/-
b. Rs. 9999000/-
c. Rs. 1 crore
d. Rs. 10 lac
420. What is the penalty for premature withdrawal of Varshik aay Yojna scheme?
a. 0.5%
b. 1.00%
c. 1.50%
d. 2.00%

421. What should be the minimum deposit amount to avail overdraft PNB Varshik Aay Yojna scheme?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac
422. What is the minimum deposit amount PNB Sugam Term deposit scheme?
a. Rs. 1000/-
b. Rs. 10/-
c. Rs. 10000/-
d. Rs. 1 lac
423. What is the maximum deposit amount under PNB Sugam term deposit scheme?
a. Rs. 1 lac
b. R. 10 lac
c. Rs. 10 crore
d. Rs. 9999000/-
424. What is the minimum period of deposit under PNB Sugam ter deposit scheme?
a. 7 days
b. 30 days
c. 45 days
d. 46 days
e. 1 year
425. What is the maximum period of deposit under PNB Sugam term deposit scheme?
a. 1 year
b. 5 years
c. 7 years
d. 10 years
426. What should be the minimum deposit amount to avail overdraft PNB Sugam term deposit scheme?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac
427. What is the minimum deposit amount under PNB Multi Benefit Term deposit scheme?
a. Rs. 1/-
b. Rs. 100/-
c. Rs. 1000/-
d. Rs. 10000/-
428. What is maximum deposit amount under PNB Multi Benefit Term deposit scheme?
a. Rs. 9999000/-
b. Rs. 99999/-
c. Rs. 9999999/-
d. Rs. 1 crore
429. Interest is compounded on ____ basis under Multi Benefit Term deposit scheme?
a. Monthly
b. Quarterly
c. Half yearly
d. Yearly

430. What is the minimum period of deposit under PNB Multi Benefit Term deposit scheme ?
a. 7 days
b. 1 months
c. 180 days
d. 12 months
431. What is the maximum period of deposit under PNB Multi Benefit Term deposit scheme?
a. 1 year
b. 3 years
c. 5 years
d. 120 months
432. What should be the minimum deposit amount to avail overdraft PNB Multi Benefit Term deposit scheme?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac
433. What is the minimum deposit amount under PNB Ordinary fixed deposit scheme?
a. Rs. 1/-
b. Rs. 100/-
c. Rs. 1000/-
d. Rs. 10000/-
434. What is maximum deposit amount under PNB Ordinary fixed deposit scheme?
a. Rs. 9999000/-
b. Rs. 99999/-
c. Rs. 9999999/-
d. Rs. 1 crore
435. What is the minimum period of deposit under PNB Ordinary fixed deposit scheme?
a. 7 days
b. 1 months
c. 180 days
d. 12 months
436. What is the maximum period of deposit under PNB Ordinary fixed deposit scheme?
a. 7 days
b. 179 days
c. 180 days
d. 1 year
437. What is the penalty for premature withdrawal PNB Ordinary fixed deposit scheme?
a. 0.5%
b. 1.00%
c. 1.50%
d. 2.00%
438. What should be the minimum deposit amount to avail overdraft PNB Ordinary fixed deposit scheme?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac

439. What is the minimum period of deposit under fixed deposit scheme for road accident victims?
a. 7 days
b. 1 month
c. 6 months
d. 12 months
440. What is the maximum period of deposit under fixed deposit scheme for road accident victims?
a. 7 days
b. 6 month
c. 60 months
d. 120 months
441. How much higher interest rate is given for deposits under fixed deposit scheme for road accident victims?
a. 0.5%
b. 1.0%
c. 1.5%
d. 2.0%
442. Which of the following conditions are attached with fixed deposit scheme for road accident victims?
a. Copy of the Court orders is to be obtained and held on record for opening of the account under the
Scheme
b. Customer is also required to open Saving Fund accounts wherein proceeds of the Fixed Deposit shall
be credited on maturity.
c. No cheque book is to be issued under the Saving Fund account without the permission of the court
d. No loans/advances or withdrawal shall be allowed on the Fixed Deposit without permission of court.
e. All of the above
443. What should be the minimum age of the individual for Prospective Senior Citizen Term deposit scheme?
a. 50 years
b. 55 years
c. 58 years
d. 60 years
e. 62 years
444. What should be the maximum age of the individual for Prospective Senior Citizen Term deposit scheme?
a. 50 years
b. 55 years
c. 58 years
d. 60 years
e. 62 years
445. What is the minimum period of deposit under Prospective Senior Citizen Term deposit scheme?
a. 7 days
b. 6 month
c. 1 year
d. 5 years
446. What is the maximum period of deposit under Prospective Senior Citizen Term deposit scheme?
a. 1 year
b. 5 years
c. 10 years
d. 12 years
447. What is the penalty for premature cancellation under Prospective Senior Citizen Term deposit scheme if
the depositor attains senior citizenship?
a. 0.5%
b. 1.00%
c. 1.50%
d. 2.00%
e. No penalty

448. What income options are available under Prospective Senior Citizen Term deposit scheme?
a. Monthly
b. Quarterly
c. Half yearly
d. (a) and (b) both
449. Under maturity option (Re-investment of interest on quarterly compounding basis), interest is
compounded on ____ basis under Senior Citizen Term deposit scheme?
a. Monthly
b. Quarterly
c. Half yearly
d. Yearly
450. What is the minimum deposit amount under Prospective Senior Citizen Term deposit scheme?
a. Rs. 10/-
b. Rs. 100/-
c. Rs. 1000/-
d. Rs. 10000/-
451. What is maximum deposit amount under Prospective Senior Citizen Term deposit scheme?
a. Rs. 9999000/-
b. Rs. 99999/-
c. Rs. 9999999/-
d. Rs. 1 crore
452. What should be the minimum deposit amount to avail overdraft under Prospective Senior Citizen Term
deposit scheme?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac
453. What is the minimum deposit amount under PNB Swechha Jama Yojna/Pnb Flexi Rd Scheme ?
a. Rs. 10/-
b. Rs. 100/-
c. Rs. 1000/-
d. Rs. 10000/-
454. The monthly installments during the tenure of the deposit account shall not exceed ____ times of core
amount in any month under PNB Swechha Jama Yojna/Pnb Flexi Rd Scheme?
a. 2
b. 5
c. 10
d. 100
455. What is the minimum period of deposit under PNB Swechha Jama Yojna/Pnb Flexi Rd Scheme?
a. 7 days
b. 6 month
c. 1 year
d. 5 years
456. What is the maximum period of deposit under PNB Swechha Jama Yojna/Pnb Flexi Rd Scheme?
a. 1 year
b. 5 years
c. 120 months
d. 60 months

457. What is the penalty for premature withdrawal under PNB Swechha Jama Yojna/Pnb Flexi Rd Scheme?
a. 0.5%
b. 1.00%
c. 1.50%
d. 2.00%
e. No premature withdrawal
458. What is the minimum deposit amount under Capital Gain Sugam Term Deposit Account?
a. Rs. 10/-
b. Rs. 100/-
c. Rs. 1000/-
d. Rs. 10000/-
459. What is the maximum deposit amount under Capital Gain Sugam Term Deposit Account?
a. Rs. 10 lac-
b. Rs. 100 lac
c. Rs. 10 crore
d. Rs. 100 crore
460. What is the minimum period of deposit under Capital Gain Sugam Term Deposit Account?
a. 7 days
b. 45 days
c. 46 days
d. 90 days
e. 6 months
461. What is the maximum period of deposit under Capital Gain Sugam Term Deposit Account?
a. 1 years
b. 36 months
c. 60 months
d. 120 months
462. The depositor has the facility to withdraw any amount before maturity in multiples of Rs._____ any time
under Capital Gain Sugam Term Deposit Account?
a. Rs. 100/-
b. Rs. 1/-
c. Rs. 1000/-
d. Rs. 10000/-
463. __________ penalty is to be levied in respect of the part withdrawal of deposit in multiples of Rs.1000/-
before maturity under Capital Gain Sugam Term Deposit Account?
a. No
b. 1%
c. 0.5%
d. 1.5%
464. What should be the minimum deposit amount to avail overdraft under Capital Gain Sugam Term Deposit
Account?
a. Rs. 5000/-
b. Rs. 10000/-
c. Rs. 50000/-
d. Rs. 1 lac
e. Overdraft facility not available
465. What is the initial deposit amount for Pnb Rakshak Scheme?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-

466. What is the minimum quarterly average balance for PNB rakshak scheme?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-
467. What is the cut off limit for sweep in and sweep out to take place in PNB rakshak account?
a. Rs. 10000/-
b. Rs. 20000/-
c. Rs. 25000/-
d. Rs. 40000/-
468. OD facility upto a sum of last ____ months net salary is to be provided to Defence Personnel whose salary
is being disbursed through our branches in PNB rakshak account?
a. 2
b. 3
c. 6
d. 12
469. The facility of overdraft shall be immediately discontinued in case the overdraft remains outstanding by
the end of the succeeding ____ months in PNB Rakshak account?
a. 3
b. 6
c. 12
d. 24
470. No. of drafts can be issued free of cost per months for person below officer rank in PNB Rakshak account?
a. 5
b. 10
c. 15
d. 20
471. How many drafts can be issued free of cost per months for majors and captains in PNB Rakshak account?
a. 5
b. 10
c. 15
d. 20
472. How many drafts can be issued free of cost per months for Lt colsand Cols in PNB Rakshak account?
a. 5
b. 10
c. 15
d. 25
473. How many drafts can be issued free of cost per months for person above brigradier rank in PNB Rakshak
account?
a. 5
b. 10
c. 15
d. 20
e. Unlimited
474. What is the concession in margin requirement in Homeloan unto Rs. 50 lac in PNB Rakshak account?
a. 5%
b. 10%
c. 15%
d. 20%

475. Instant credit of outstation cheques upto _____ is available in PNB Rakshak account?
a. Rs. 10000/-
b. Rs. 20000/-
c. Rs. 25000/-
d. Rs. 50000/-
476. What is the account closure charges before completion of 1 year of opening of account in PNB rakshak
scheme?
a. Rs. 100/-
b. Rs. 150/-
c. Rs. 200/-
d. Rs. 500/-
477. What is the minimum amount of deposit under PNB tax saver fixed deposit scheme?
a. Rs. 100/-
b. Rs. 1000/-
c. Rs. 10000/-
d. Rs. 1 lac
478. What is the maximum amount of deposit per financial year under PNB tax saver fixed deposit scheme?
a. Rs. 10000/-
b. Rs. 1 lac
c. Rs. 1.5 lac
d. Rs. 10 lac
479. What is the minimum period of deposit under PNB tax saver fixed deposit scheme?
a. 1 year
b. 3 years
c. 5 years
d. 180 months
480. What is the maximum period of deposit under PNB tax saver fixed deposit scheme?
a. 1 year
b. 3 years
c. 5 years
d. 10 years
481. What is the lock in period of deposit under PNB tax saver fixed deposit scheme?
a. 1 year
b. 3 years
c. 5 years
d. 180 months
482. Interest may be paid on ____ basis under PNB tax saver fixed deposit scheme?
a. Monthly
b. Quarterly
c. Half yearly
d. Yearly
e. All of the above
483. What is the initial deposit amount under PNB Vidyarthi Saving Fund Account?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-

484. What is the minimum quarterly balance amount under PNB Vidyarthi Saving Fund Account?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-
485. In the first year of opening of account, the overdraft facility would be available up-to a maximum limit of
Rs. _____ PNB Vidyarthi Saving Fund Account?
a. Rs. 1000/-
b. Rs. 5000/-
c. Rs. 10000/-
d. Overdraft facility not available
486. In the second year of opening of account, the overdraft facility can be enhanced up-to a maximum limit of
Rs. _____ on satisfactory conduct of PNB Vidyarthi Saving Fund Account?
a. Rs. 1000/-
b. Rs. 5000/-
c. Rs. 10000/-
d. Overdraft facility not available
487. The overdraft facility would be available for the students, having completed the age of ____ years under
PNB Vidyarthi Saving Fund Account?
a. 10 years
b. 18 years
c. 21 years
d. Not dependent of age criteria
488. How many cheque leaves in a year are free in PNB Vidyarthi Saving Fund Account?
a. 20
b. 40
c. 50
d. 100
489. To arrest the misuse of the Vidyarthi Account, an exceptional report has been customized in menu option
a. CTRPT
b. PNBRPT
c. DAYRPT
d. PNBREP
490. What is the initial deposit amount under PNB Shikshak scheme?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-
491. What is the minimum quarterly balance amount under PNB Shikshak scheme?
a. Zero
b. Rs. 100/-
c. Rs. 500/-
d. Rs. 1000/-
492. What is the cut off level for the sweep in and sweep out facility to take place in PNB Shikshak scheme?
a. Rs. 10000/-
b. Rs. 15000/-
c. Rs. 25000/-
d. Rs. 40000/-

493. FDR’s under PNB Shikshak scheme can be issued for a minimum period of ____ days.
a. 7
b. 30
c. 45
d. 90
494. FDR’s under PNB Shikshak scheme can be issued for a maximum period of ____ days.
a. 7
b. 30
c. 90
d. 179
e. 180
495. Under PNB Shikshak scheme OD Facility of _______ or the last salary credited in the salary account,
whichever is lower is available at the interest rates applicable to personal loans to employees whose salary
is being disbursed through our branches
a. Rs. 20000/-
b. Rs. 50000/-
c. Rs. 1 lac
d. Rs. 2 lac
496. What is the concession in locker charges for small locker in PNB Shikshak scheme
a. 50% for 1st year
b. 40% for 1st year
c. 30% for 1st year
d. 20% for 1st year
497. How many free drafts per month can be issued in PNB Shikshak scheme?
a. 2
b. 3
c. 5
d. 10
498. What is the minimum deposit amount under PNB Growth fixed deposit scheme?
a. 10 lacs
b. 1 cr
c. 10 cr
d. 100 cr
499. What is the maximum deposit amount under PNB Growth fixed deposit scheme?
a. 10 lacs
b. 1 cr
c. 10 cr
d. 100 cr
500. What is the maximum period of deposit under PNB Growth fixed deposit scheme?
a. 5 years
b. 10 years
c. 84 months
d. 90 months
- Compiled by
- Arpit Gupta
Zonal Training Center, Dehradun
ANSWERS
1 A 51 B 101 C 151 A 201 A 251 D 301 D 351 C 401 A 451 C
2 C 52 D 102 B 152 C 202 C 252 C 302 D 352 D 402 A 452 B
3 C 53 D 103 A 153 B 203 C 253 A 303 B 353 C 403 B 453 B
4 E 54 D 104 C 154 C 204 B 254 C 304 D 354 B 404 A 454 C
5 B 55 D 105 A 155 B 205 C 255 C 305 B 355 D 405 B 455 B
6 B 56 D 106 A 156 D 206 D 256 C 306 D 356 D 406 A 456 C
7 A 57 A 107 C 157 B 207 D 257 A 307 C 357 D 407 B 457 E
8 D 58 D 108 B 158 C 208 A 258 A 308 A 358 D 408 A 458 D
9 C 59 C 109 A 159 D 209 C 259 B 309 B 359 A 409 A 459 C
10 B 60 D 110 B 160 B 210 D 260 B 310 A 360 C 410 A 460 C
11 C 61 C 111 D 161 C 211 D 261 D 311 D 361 D 411 C 461 D
12 C 62 B 112 B 162 B 212 D 262 C 312 B 362 B 412 B 462 C
13 A 63 D 113 C 163 B 213 C 263 A 313 A 363 C 413 C 463 A
14 C 64 C 114 B 164 B 214 D 264 C 314 A 364 D 414 D 464 E
15 A 65 B 115 D 165 B 215 C 265 C 315 D 365 A 415 A 465 A
16 A 66 A 116 A 166 B 216 B 266 A 316 A 366 C 416 C 466 A
17 C 67 A 117 E 167 C 217 B 267 B 317 C 367 B 417 D 467 A
18 A 68 C 118 C 168 B 218 D 268 C 318 C 368 A 418 D 468 A
19 D 69 B 119 E 169 A 219 B 269 A 319 A 369 C 419 B 469 B
20 A 70 A 120 A 170 B 220 C 270 D 320 C 370 D 420 B 470 A
21 A 71 B 121 A 171 A 221 B 271 B 321 C 371 C 421 B 471 B
22 A 72 B 122 A 172 C 222 B 272 C 322 D 372 C 422 C 472 D
23 A 73 C 123 D 173 D 223 D 273 B 323 B 373 C 423 C 473 E
24 C 74 B 124 D 174 C 224 C 274 C 324 B 374 B 424 D 474 A
25 B 75 D 125 D 175 D 225 C 275 B 325 A 375 B 425 D 475 C
26 B 76 C 126 D 176 A 226 C 276 C 326 A 376 E 426 B 476 B
27 A 77 D 127 A 177 C 227 B 277 C 327 C 377 C 427 B 477 A
28 B 78 D 128 B 178 A 228 D 278 B 328 C 378 C 428 C 478 C
29 D 79 D 129 A 179 B 229 B 279 A 329 C 379 C 429 B 479 C
30 D 80 E 130 C 180 B 230 D 280 D 330 A 380 C 430 C 480 D
31 C 81 E 131 A 181 B 231 C 281 C 331 B 381 C 431 D 481 C
32 A 82 C 132 B 182 D 232 B 282 A 332 C 382 A 432 B 482 E
33 C 83 B 133 A 183 A 233 A 283 B 333 D 383 B 433 B 483 A
34 A 84 B 134 A 184 B 234 A 284 C 334 A 384 D 434 C 484 A
35 B 85 C 135 D 185 C 235 B 285 B 335 C 385 D 435 A 485 B
36 A 86 D 136 B 186 D 236 A 286 A 336 A 386 B 436 B 486 C
37 A 87 A 137 D 187 D 237 B 287 B 337 D 387 D 437 B 487 B
38 A 88 C 138 A 188 A 238 B 288 B 338 C 388 D 438 D 488 B
39 A 89 E 139 B 189 C 239 C 289 A 339 A 389 A 439 D 489 A
40 A 90 A 140 B 190 B 240 B 290 C 340 A 390 D 440 D 490 A
41 C 91 D 141 D 191 C 241 C 291 B 341 A 391 C 441 B 491 A
42 A 92 D 142 A 192 D 242 C 292 A 342 A 392 D 442 E 492 B
43 C 93 C 143 B 193 D 243 A 293 C 343 C 393 C 443 B 493 A
44 D 94 B 144 B 194 C 244 B 294 C 344 C 394 B 444 D 494 D
45 C 95 C 145 D 195 C 245 D 295 A 345 B 395 C 445 C 495 B
46 C 96 B 146 A 196 D 246 A 296 C 346 B 396 A 446 C 496 A
47 A 97 D 147 A 197 C 247 A 297 A 347 B 397 D 447 E 497 B
48 B 98 B 148 A 198 D 248 A 298 D 348 A 398 C 448 D 498 B
49 C 99 B 149 D 199 B 249 D 299 C 349 B 399 C 449 B 499 C
50 B 100 A 150 C 200 B 250 C 300 D 350 B 400 C 450 B 500 B
- Compiled by
- Arpit Gupta
Zonal Training Center, Dehradun

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