Banking - Diksha Book On Effective Study Techniques PDF

PROMOTION IS EASY
BANKING –DIKSHA: 2019

(SPECIAL TIPS FOR PROMOTION TEST FOR ALL SCALES WITH ANALYSIS OF SYLLABUS & LATEST
RECALLED QUESTIONS OF ALL BANKS: SBI, CANARA, PNB, BOI, UBI, BOB, UCO, RRB, etc)
BOOK ON
EFFECTIVE STUDY TECHNIQUES
How to Get Good Marks & Study effectively with motivation & Time
Management
Sanjay Kumar Trivedy

Preface
Dear Friends,
It is with a sense of great delight that I am presenting this booklet, Effective Study Techniques, I would like to
enumerate the various aspects of achieving academic excellence. I would like to place myself in the position of a aspirants
who has worked very hard and secured good marks. When he appears in an Promotion test and on day of examination and
before examination, what are his/her thoughts and anxieties? We shall discuss about the initial pit falls and pressures and
fears of aspirants when they face any examination, ways of reducing the resulting stress, steps in gathering of knowledge,
tips for effective listening and studying, memory techniques, tackling 'exam fear, time management, tips for preparing for
exams and writing exams etc.
Effective Study Techniques, a booklet is an excellent reference book specially designed for the use of all specially the
aspirants/student community. With my immense experience in teaching and interacting with a variety of aspirants, I am able
to diagnose the problems faced by the present day aspirants. I have proposed innovative solutions which will help to remove
the strain and anxiety that most of the aspirants experience. The ideas found in the booklet are a ray of hope to those who
want to achieve their objectives with determination and hard work. I am sure that these compiled lectures have successfully
guided and transformed hundreds of aspirants in the institutions. The beauty of the book lies in its power of motivation to
aspirants to combine their intellectual knowledge with human values, helping them to become more and more human and
good citizens of the world. A good academician, a good Banker, a good doctor, first and foremost has to be a good person. I
am sure this booklet will awaken in them their hidden strengths to channelize their energies, thus becoming good persons
and build a society of love, peace and brotherhood.
Learning is an art. Scientifically analysed the learning process for the aspirants/students of any professional courses/
examination. The remedies proposed by the author are time tested.Since the analysis of difficulties and hints towards gathering
of knowledge, methods of study, exam preparation, writing the exam etc. are common to all branches of study.
Holding a booklet in your hand itself is a sign that you are ready to walk the path of excellence. It is my earnest desire and
hope that those aspirants/students who will come in touch with this book will be fired by its contents to achieve great things
in life.
This book is divided into three parts :A. Effective Study techniques, B.Your Motivation Mitra & c. Your Examination strategy.
Each section is very very important. I have covered detailed analysis of latest syllabus based on memory based questions for
Promotion test in banking industries in general and Canara Bank in Particular of 2018-19. It was found that during last 15
years of analysis of questions, nearly 70-90% are on general banking and remaining 10-30% questions are based on Bank
specific Assets (Loans) & Liability (deposits) related products. Now-a-days, Promotion test in the different banks became
very tough as getting more than 60% with you good ratings under your performace appraisal will secure your final birth for
next level.
For last more than a year, due to shortage of time, I am unable to give my lots of quick study materials, so from Oct.2018, I
have given my all study materials ( except Circular Synopsis ) to experienced banker who retired as Executives and having
teaching experience more than 15 years, still working as visiting faculty in and around Delhi to various Staff training colleges
of different banks and MBA Colleges, were my guru and more capable than me to give quality materials. There are various
study materials available in the market but aspirants have very limited time for preparation. In order to reduce pressure on
aspirants coming shortly with various books on Promotion test to make it is Easy, simple & quick. Some of them are as :
Uddan,Hand Book on Promotion for all banks, Recalled & Expected questions of last 10 years , Mock Test ( MCQs- all in one
& Chapterwise), DARPAN: Book on Latest RBI Policies & guidelines, Pahal &Utkarsh :Quick Book on Promotion for all banks,
Scalewise Promotion Test books for all banks & Canara Bank and Hand Book on Banking etc. In last week before Promtion
Test, they will provide you, quick book on Promotion (only 24 hours book), Hot/Super Hot Questions & Mock Test.
All possible care is taken to provide error free information, however, readers may note that the information given herein is
merely for guidance/reference and they need to refer the relevant circulars & Manuals for full details.
I solicit your views on the content and quality of the topics for further improvement.
I wish all the best to the readers of this book. May this booklet transform the personality of aspirants and convert them into
builders of the future society!
Arise, Awake and stop not till the goal is reached"... Swami Vivekananda
Date: 20.04.2019 Sanjay Kumar Trivedy
Compiled by Sanjay Kumar Trivedy, Chief Manager, Canara Bank, Chatigalli, Solapur, Maharashtra 1|Page
About the Author
Mr. Sanjay Kumar Trivedy (Native: Motihari, Bihar), Presently working as Chief Manager ( Scale-IV) in
Canara Bank, Chatigalli branch,Solapur in solapur distt.of Maharashtra state. He Joined Canara Bank as
DRO/PO (AEO) on 10.03.1997 and and worked in various places, starting from Maujgarh branch (1997-2000), Near
Abohar(Punjab), Sirsa Main- Haryana (2000-2004), BMC, Jalandhar (2004-2006) Toiladungari, Sakchi,
Jamshedpur(2006-2009), Jhalak near Chaibasa (2009-2011), J B Nagar, Andheri East , Mumbai ( 2011-2013) and then
Faculty as well as College in charge ( Principal ) in Regional Staff Training College, Mumbai (2013-2016), Govt.Link
Cell, Nagpur (01.05.2016 to 15.07.2017), Itwari Branch, Nagpur ( 17.07.2017 to 15.09.2017 ), Shrigonda Branch
(16.09.2017 to 07.07.2017) and then Chatigali, Solapur (Since 08.07.2018 to …). He won more than 215 awards in
various fields of Banking by his Bank – Canara Bank, which includes twice gold coin for CASA mobilization. His best
achievement was as an officer/AEO, he converted his Section: Agril Finance into Hi-tech Agril. Branch at BMC,
Jalandhar and while working in Jhalak branch near Chaibasa (Jharkhand), won twice best Rural banker award from
NABARD during 2009-10 &2010-11 in SHG credit linkage & Farmers Club Formation. During this journey started from
1997 to till date he worked in almost all area of Banking.
Mr. Sanjay Kumar Trivedy is M.Sc. (Agril), CAIIB, PGDCA, MBA, MBA (Finance),Diploma (IIBF) in Rural Banking,
Treasury, Investment and Risk Management, Commodity Derivatives for Bankers, Advanced Wealth Management,
Certificate (IIBF) in Trade Finance, Certificate in Anti-Money Laundering / Know Your Customer, Certificate
Examination in SME Finance for Bankers, Certificate Examination in Customer Service & Banking Codes and Standards,
Certificate Examination in CAIIB - Elective Subjects ( Retail Banking & Human Resource Management) & Certificate
Examination in Microfinance
Mr. Sanjay Kumar Trivedy has teaching experience of more than 16 years, from Sirsa Main Branch (2000-2004) , he
started teaching to his colleagues/staff and in this long journey he has given good results both in Promotion test as
well as JAIIB /CAIIB examination. He has taken IIBF-JAIIB & CAIIB classes at Mumbai. He has compiled/authored
more than 20 books in last three years related banking - JAIIB, CAIIB, Book on Promotion Test ( all cadres), Interview
, Drishti (Current Banking Topics –Interview book for Scale iv & above), Group Discussion, Certificate course on
Customer Service & BCSBI, AML& KYC, MSME Finance for Bankers, Book on Abroad Posting, Confirmation Test for PO,
Banking & Technology and many more books on day today banking and many more in the offing.
Mr. Sanjay Kumar Trivedy is working in a mission mode to reduce knowledge gap among bankers with objective to
provide educational support free of cost to all in general and bankers in particular with objective to empower Banker
colleagues specially young banker who join the bank in last more than one decade for their better productivity, Sense
of satisfaction, Customer delight with ultimate increase of quality banking business for their organisations.
He can be contacted only through whatsapp no. : 9987519725, no call Please.
Infuse your life with action. Don't wait for it to happen. Make it happen. Make your own future. Make your own hope.
Make your own love. And whatever your beliefs, honor your creator, not by passively waiting for grace to come down from
upon high, but by doing what you can to make grace happen... yourself, right now, right down here on Earth – Bradley
Whiteford
INDEX
SI. No
CONTENTS Page No.
A. EFFECTIVE STUDY TECHNIQUES 3-8

1. A Letter to myself 3
2. Ten things you should Remember while preparing for exams 4
3. Practical Tips for Effective Study 5
4. Memory Techniques 6
5. Reason for exam fear 6
6. Exam Strategy 7
7. Tips for Time management 8
8. Seven Steps to success 8
B. YOUR MOTIVATION MITRA 9-15

1. Unleash the Baahubali within you 9
2. Life is either a daring Adventure or Nothing at all 9
3. Learn from FIFA 2018- Rise again to achieve your Goal 9
4. Never Give up, Never, Never give up 10
5. Turn your weakness into Strength 11
6. Actually I can… 12
7. Start to believe in yourself 13
8. Try to prove yourself the best in your field of work 14
9. How do I reach Mount Olympus 15
C.YOUR EXAMINATION STRATEGY 16-

1. Promotion Test : Clerical to Officer ( JMG- Scale 1)- Memo no. 20/2019 & others 16
2. Promotion Test Syllabus Analysis 25
3. Latest changes 31
4. Memory Based Recalled Questions- Canara Bank : Clerical to Officer 2015-18 34
5. Memory Based Recalled Questions- Canara Bank ( Scale 2, 3, 4 & 5) 51
6. Memory Based Recalled Questions : 2018 & 19 – SBI Trainee Officer (TO) 54
7. Memory Based Recalled Questions : 2018-19 ( All Banks / Scales ) 56
Believe in yourself! Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be
successful or happy -Norman Vincent Peale
A. EFFECTIVE STUDY TECHNIQUES
1. Letter to Myself
Dear Self,
Don't be afraid to allow yourself to be ambitious. They will note your failures, belittle your accomplishments, and
misunderstand your truth. They are flawed. Remember that you are also flawed. They are lost in a mundane routine, while
you are riding the highs and lows of a dreamer. You will find a social resiliency that allows you to connect without being
harmed.
Focus. Push through the haze, and find your thesis. A story without focus is a plot. You do not live for semantics; do not
expect your reader to be interested in them. You live for art, for a clearer understanding of the human condition, and to pull
yourself out of a never ending existential crisis. Establish these truths in your writing. Let them know that you are lost. Tell
them that you are fighting for inner peace. Tell them that you are angry at your faithless heart.
Be more patient with others than you are with yourself. When they fail to perform shrug your shoulders, and deal with the
situation. When you fail to perform, rage. Rage against your ungrateful self. Every moment of procrastination is a needle in
the heart of your ideals. Do not let this heart be heavy with the weight of a thousand needles. Forgive yourself. Remove the
needles one by one; paragraph by paragraph.
Have the foresight to plan for the long term. Force yourself to gain the skills it will take to be successful. Go back to school
before you regret it. Keep learning. Your hours of reading, communicating with other writers, and researching will add depth
to your work. Find the right tool for the job, and learn how to use it. To plan, and to follow through, is to take advantage of
this wonderful freedom that you are granted.
There is an empty hallway littered with thousands of graffiti quotes. They say things like "Carpe Diem", and "Live
Abundantly." These quotes will give you a shallow high that you do not need. This is the middle ground between where your
are now, and where you want to be. Destroy it. Chasing the emotional highs of your future self is a waste of your precious
time. Control your emotions, habits, and pain.
You are the master of your self destructive tendencies. Blame no outside source for the pain these cause you. Hold yourself
accountable, and allow others to do the same. Being honest about your failures is just as important as being honest about
your successes. Understanding the various facets of each failure will help you recognize them the next time that they
approach. Above all things, enjoy yourself.
Regards,
Experienced Banker
2. Ten things you should remember while preparing for exams

1.Confidence :
This is the most crucial trait that you have to retain while going for the exam. This can really make a huge difference. If you
know everything but you are not confident enough to use it then there is no point of studying for the exam. This doesn't
mean that you should study and remember each and everything, but whatever you have studied you have to remain
confident.
2. Get Inspired :
This is the part which can lead you to SBI. Inspiration is very much necessary to get into an organisation of such reputation.
If you are inspired enough to get in a big organisation, then no one can stop you from going there.
3. Smart work instead of Hard work
This is the most tricky part and the impact is crucial. Smart work is something that can make your efforts less and can gain
you more. Suppose that you are studying each and everything but you are practicing less, then it can be disastrous. This
doesn't mean that you haven't worked hard, but what is the meaning of such study if you are not being able to attempt such
questions.
4. Time Management :
Time management plays a very important role in your preparation. Remember that the exam that you are going to appear
for is not an easy one. There are huge number of people who are going to appear for it. But everyone has his own
strategical strength. So beware of your strength and weaknesses and make your strategy for time management.
5. Mental Strength :
Remember that if you are mentally strong, then there is no one who can dominate you at point of your life. Even while
preparing for the Exam, this strength can be a helpful tool. It acts as a shield and save you from all the negative persons.
6. Study with a buddy :
Studying with a buddy can help you identify your mistakes and minor errors that sometimes misses the eyes.
Bankersadda.com has always tried to be a good buddy to you and it will keep trying to be better. You can discuss your
problems while doing quiz and correct the mistakes that you have been repeating.
7. Be Positive :
Being positive is means that you should have all the positive thoughts before the exam. You have studied more than you
think after all you have spent so many days for it. Do not have a negative attitude towards the exams. If you think positively
you will help yourself gain confidence.
8. Follow Right :
In this era of technology, where everything is free and easily available, it is really hard for you to pick the right things. And
with such a small window left for the SBI PO Prelims, it is important that you don't study anything irrelevant. Irrelevant can
not only be fatal, but can make you wait for the next time.
9. Practice More :
This point is very much clear with its meaning and indicates that SBI PO Prelims is nearing and you have to start practicing.
Practice more and more. Practice variety of questions.
10. Be fit physically and mentally
Don’t give up your sleep for studying. Arrange your study hours so that you get good sleep to keep you strong.Don’t keep
studying for long hours, take 5-10 mins break after each half an hour. Close your eyes and sit or just go for a walk and then
return to study. This will help you relax and study more.
3. Practical Tips for effective study

1. Study in short, frequent sessions. Psychologists say that brain can absorb and retain better, if one studies in
short, frequent sessions, rather than in continuous, long spells. Then, the brain gets the required relaxation in between
sessions and is fresh for the next session. Follow this suggestion, i.e. read with attention, say, for 30 min. and close the book
and relax and recollect, say, for 10 min. Then, read further for next 30 min., relax for 10 min. etc.
2. Have a time-table for study. Yes, in a professional course, you have to study a lot. There are
many subjects to study and, naturally, you may find some subjects easier than others. So, depending upon your need, you
have to suitably apportion time for each subject, taking care to see that no subject is neglected. To do this, it is important to
make a proper time table for every day study and then strictly follow the same.
3. Review day's lessons on the same day. This is the 'golden rule' for engineering and other professional
aspirants/student s. Psychologists emphasize that more than 80% of the matter taught in the class is consolidated and stored
in the brain if it is reviewed on the same day. So, make it a rule for yourself that you will review the day's lessons on that day
itself. Once this becomes
a habit with you, it will stand in good stead for you and success is guaranteed.
4. Don't study when you are tired, angry, worried or distracted. This is obvious, but generally neglected by
aspirants/student s! When you are tired, angry, worried or otherwise distracted, you will not be able to concentrate on what
you read and, consequently, the brain will not be able to grasp what is read. So, it will be a waste of time; instead, do attend
to the cause of distraction, and after solving it, study peacefully.
5. Have a proper study environment. This is an important requirement for effective study. If possible, have a
separate study room where you can study uninterrupted. Let there be good
ventilation and lighting in the room. Let there be some photos and sayings of some saints or
leaders of humanity on the walls of your room to motivate you and to give a suitable 'atmosphere' to the room. Let the chair be
such that you sit with your back straight. When you read, let the
light be behind you from the left and hold the book comfortably at a distance of about a foot. Some people concentrate better
if there is light music when they study or work; if you belong to that category, do have some light, soothing music in the
background. Certainly, not that loud, exploding or screeching type of music!
6. Go from 'larger picture' to 'smaller details. i.e. have a proper perspective when you study. First, grasp the
overall picture or area or idea or concept that you are going to study; next, go into its details systematically. This requires an
analytical approach and some mental clarity, which in turn, will make the subject clearer to you.
7. Enjoy some 'off time', without feeling guilty. Yes, when you study hard, you need some relaxation. Take some
'time off' deliberately to go for a walk, jogging or playing. Stroll on
the sea shore, look at the vast expanse of water or the beautiful sun set; or, watch a beautiful scenery or a wonderful,
blooming flower. There is no limit to the wonders in God's creation, if you have the eyes to 'see. And when you relax, do relax
completely, and don't feel guilty saying `I should have been studying now'! However, one caution: let your 'off time' be
determined by you, and you only, (i.e. not by your friends!) according to a time table.
8. Set reasonable goals and avoid frustration. Many aspirants/student s, in their enthusiasm, set unachievable goals
and then become frustrated when such goals are not achieved. For example,
during the revision for exams, if a subject requires two days for revision, and you allot half a day due to whatever reason, you
may not be able to do justice to the subject, and certainly, you will feel frustrated. So, be reasonable in setting your goals.
9. Don't be over-critical of yourself. Many times, aspirants/student s become overcritical about themselves.
It is, perhaps, a psychological game one plays on himself, perhaps with a motive of escaping responsibility or passing on the
blame to others. 'I don't understand, 'I will never be able to
finish this, 'this is beyond my capability' etc. are some of the ways in which one criticizes himself. What is the use of criticizing
yourself and thereby getting demotivated? Instead, do some thing positive about it, if you can! 'I read so much; but, I forget
every thing and can't remember anything' is a common refrain from aspirants/student s. Now, think it over: why don't you
remember? This takes us to the next important topic of 'memory techniques.
4. Memory Techniques
Every aspirants/student aspires for good memory to succeed in the exams. Since our present exam system is based on
reproducing from memory what is read earlier, having a good memory is certainly desirable. As stated earlier, 'I don't have
a good memory' is a common grievance and complaint from aspirants/student s. Surely, genes and hereditary factors have
something to do with the natural memory of a person; however, you will be surprised to know that good memory can easily
be cultivated by adopting a few, well-proven, scientific memory techniques, known as Mnemonics.
What are Mnemonics?

Mnemonics are creative aids to memory.You may observe that, generally, committing to memory or recalling from memory
involves:
1. Repetition, or
2. Association, or
3. Picturization, or
4. Combination of the above
Committing to memory by repetition is a well known technique. This is, in fact, the method used by us all, while learning
nursery rhymes.
Association involves associating the thing to be remembered with any one of the senses such as sight, word, smell, taste, or
touch. Association can also be related to a person, incident or situation. You can also associate the thing to be remembered
with any of the human feelings such as love, hate, affection, fear, shame, surprise, wonder, peace, anger etc. Color, humor,
drama, exaggeration etc. also can be associated effectively with items to be remembered.
Picturization involves connecting the thing to be remembered with a mental picture, which is unique. That means: recalling the
mental picture will instantly bring to your mind the thing to be remembered. Many times, a combination of all the above
methods is employed to device a good memory technique.
5. Reasons for Exam fear

1. Poor preparation: Yes, this is one of the main reasons for exam fear. Preparation does not mean reading just before
the exams. It means steady effort throughout the year. A good aspirants/student starts preparing for the exams from the very first
day of the classes. i.e. he is punctual and regular in his attendance to the classes, revises the lessons every day, does his
assignments and home works promptly, has good study habits etc.
2. Lack of love for the subjects: Once you have chosen a course, you should excel in it. So, even if some subjects may
look difficult, it is necessary that you cultivate 'love' for the subject and affirm to yourself every day before the classes: 'I like this
subject; I shall do well in this subject.
3. Unclear about the purpose of exams: Be clear about the purpose of exams. Exams are not conducted to trouble
you or to humiliate you. Purpose of exams is to know how much of the subject you have understood and to promote you to
the next higher class if you meet certain minimum requirements. Therefore, in order to progress, you should welcome the
exams and strive to do your very best.
4. Unclear about the goal and the path: Why did you join this course? Is it with a desire to excel in the chosen field or
due to some one else's compulsion? What is your goal in life? Be clear about this. Then, the path will open itself. We say again:
there is no short cut to excellence. You reach the top successfully only if you climb each and every step systematically,
without slipping or falling.
5. Lack of initiative to get the doubts cleared: If you have not understood the subject during a lecture, you should
not hesitate to get it cleared as soon as possible. Since there may be 40 to 60 aspirants/student s in a class, it may not be
possible for the teacher to give personal attention to each and every aspirants/student . So, if you have not understood
something, you should take initiative to get it clarified; however, be polite and be sensitive to the style of the teacher, i.e. the
teacher may not like to be interrupted when he is speaking, or the teacher may allot a separate question-time at the end of
lecture, or the teacher may ask you to approach him later, etc. By all means,
follow his instructions, but never give up your attempts to get your doubts cleared.
6. Preparation at the last moment: This is nothing but poor, unplanned method of study, and
you pay the penalty. As mentioned earlier, adopt a planned, systematic study from the very beginning of the course.
7. Confused reading: This happens due to lack of alert concentration. Many aspirants/student s have the habit of 'last
minute reading' for the entire night, consuming tea, coffee or drugs to avoid sleep. Surely, you will feel tired and fatigued by
such methods and will not be able to understand/ assimilate whatever you have read. Or, some aspirants/student s think of
guide-books, notes or 'likely questions' etc when they study, which, in turn, means lack of attention on what is read at the
moment. Some, even adopt the method of preparing for 'selected' questions! All these things make you end up in confusion and
the result is: tension and fear of exams.
8. Other reasons: Previous personal experience of failure, high expectations from self, parents, relatives or friends,
fear of being judged by 'superior' people, having a naturally timid and nervous personality etc. are some other reasons for
exam fear.
6. Exam strategies
Remember the four P's for successful study: Planning, Preparation, Positive attitude, and Prayer. Just as one should
have a proper strategy to win a war, you should plan your strategy to prepare for and write the exams. Give thought to the
following points in planning your exam strategy:
 Know what to expect: This means: you should know the extent of subject covered for that particular exam, pattern
and structure of the question paper (i.e. whether it is an essay type or 'multiple choice answer' type, 'yes-or-no answer' type or
'problem oriented' type etc.). You should also know the number of questions to be answered and the time allotted. Also, find
out if you have to take any material to the exam, such as: hand books, graphs or calculators.
 Be well prepared: Be regular in your studies from the very beginning of the course. Know the exam time table in
advance and prepare a suitable study-revision time table. Ensure that you revise all the subjects on time.
Avoid cramming: Writing is the best way to revise. Write answers to likely questions. Collect previous question papers and
write down the solutions to questions in a separate file or book
 Review often: As you progress through your revision, review what you have studied; i.e. close the book and try to
recollect what you have studied till that time. This will be of great help in recalling from memory what you need during the
exams.
 Use Memory techniques: Depending on the subject you are studying, apply one or more of the memory
techniques explained earlier, to memorize the material you may need in the exam. Use your intelligence and originality to
select or devise a suitable memory technique. Memorize essential facts and formulas.
 Stay motivated, but relaxed: Many aspirants/student s get overwhelmed while revising the subjects for exams,
just by thinking of the number of subjects or the amount of material to be covered in each subject. Do not allow this to
happen to you. Instead, be strong, calm and highly motivated. Let a 'burning desire' to excel be the fuel for your motivation.
 Be positive: Yes, this is very important; have a positive attitude towards the exam and welcome it; let it be a
stepping stone for your further progress.
 Don't compare: Do not commit the mistake of comparing yourself with any of your friends or peers. Remember:
each one is unique in God's creation and every one is blessed with one or the other unique talent or capability. Then, why
should you compare yourself with others? It may have a negative effect on your mind, or, it may demotivate you. Instead, be
confident and dwell on your positive qualities.
Take care of your health: Revision for exam does involve very hard work and, will, indeed, induce some stress. But, it should
certainly not affect your health. So, take care of your health. Follow regular time table for your food, recreation and study. Eat
nourishing food; have regular exercise such as jogging, running, yoga etc. Go for a walk, watch a sunset or listen to the chirping of
birds, light music etc. to relax yourself. As the exam approaches, you should be absolutely fit, not only mentally, but physically also.
To keep good health is a duty you owe to yourself.
 Attend to 'Time management': 'Time management' is important not only when you are a aspirants/student , but
also later in your life when you become a professional. As a aspirants/student , you should be an adept in managing your
time while attending the classes, during every day studies, during revision for exams and even while writing the exams. Since
this topic is very important, let us explain it in some detail in the next section.
7. Tips for Time management
Time is God! Pondering over the greatness and incomprehensible mystery of Time, our ancients pronounced in wonder: 'Time is
God, and salutations to Time!'. Even to the God of death, they gave another name, `ICala', which means: Time! It is, of course, a
very appropriate name, since everything in this world, without exception, is swallowed away by Time, sooner or later.
Now, in this real world, 'Time management' is very important, whether you are a aspirants/student or a high flying executive
or a business man or an ordinary citizen. Therefore, many 'management gurus' and educationists have given many
suggestions to manage time well:
1. Make an honest personal time survey: List all your activities under different categories and then, write down the time
you spend on each of these categories, on a weekly basis. i.e. list down the weekly time spent in the class, for meals, sleep, travel,
play, relaxation, socializing, personal works etc. Let this be equal to 'x' hrs. Then, as of now, time allocated for study = (168 - x)
hrs., 168 being the no. of hrs. available in 7 days. (i.e. 7 x 24 = 168). Compare this with the time absolutely required for study. If
the time allocated by you is less than the time absolutely required, you should immediately adjust, by cutting down some of the
activities or reducing the time spent on some activities.
2. Set realistic, achievable goals: While setting your goals, be realistic. Your goals must be in tune with your
background, capacity, ambitions, skills, motivation, tools and equipments you have. Setting unachievable goals will only make you
frustrated and unhappy.
3. Fix your priorities: There may be a hundred things to do. But, some of them may be urgent, and may have to be done
on priority. So, don't attempt to do all the things at the same time. Instead, every morning, you should make a list of things to be
done on that day, in order of priority. Then, stick to that list and finish the tasks one by one, as per that list. 'Prioritizing' is one of
the best methods to achieve results.
4. Learn to say 'NO': It is a common weakness, not to be able to say `No' It is an experience with many - when you have
just started to do an important work or assignment, some friend or acquaintance drops in and invites you to accompany him for a
cup of tea, or to go to watch a movie, or simply to go for a walk; and you, to be polite, don't refuse his invitation and accompany
him; however, all the time you will be thinking: 'I am wasting my time, my work is getting delayed. Instead of thus feeling
miserable, you should straightaway say 'No% of course, this does not mean that you have to be rude or impolite to your friend.
You can tell him politely: 'Now I am busy with some urgent assignment which should be completed within the stipulated time; but,
I can certainly accompany you after this work is done. Learning to say 'No' is a great time saver.
5. Be creative: Look for ways to save time... and, you will find some. You can read while waiting for the bus or train,
or while traveling, or while waiting for the elevator. You can visit the laundry and give your clothes for washing while going
for a walk. You can arrange your table or room while listening to music. There are a myriad ways of saving time, but you
must be looking for them. So, be creative and find ways to save time.
8. Seven Steps to Success
The seven steps to success as follows:

1. DREAM or DESIRE...strongly
2. DETERMINE... firmly
3. DISCRIMINATE...wisely
4. DISCUSS...humbly
5. DEVOTE...fully
6. DEDICATE... completely
7. DO IT...whole-heartedly.
B. YOUR MOTIVATION MITRA
1. Unleash the "BAAHUBALI" within you!!!
From past three years, many of us have been under the huge agog of why “kattapa killed Baahubali” and tomorrow will be
going to that most awaited day which will unveil the suspense.
“BAAHUBALI” for some it is just a name and for some, it is that vigour to defeat all snag. There is hidden baahubali in
every individual it just needs a spark to perceive that. Once you found underlying Baahubali within you then you all are
“Baahubali”, a warrior that never kneel down in front of his foe. We bankersadda aka Adda247(Mahishmati) always
was and will be with you, Knowing that you all Baahubali over there won't let our Mahismati realm down, and we know this
time also you all make our name high like always.
Chilling on your beach bed having sunbath thinking about the arsenal you have like the topics in which you are good, which
you practice a lot, your supportive sections etc. but in real battle when you found these topics unable to solve act as
kattapa who is although your strong and trusted one but betrays you at the end. But a real warriors are those who can
fight with sharpness of their intelligence and always comes up with plan B.
Like always and in every battle, you have competitors (Bhallala Dev), who are always around you or shows you support
but in the end, they are standing against you to win that title. Leaders are not followers, lead with your strategy,
whatever comes in your way annihilate it and march towards the grail.
You all Baahubalies over there, to win this battle against the test you are going to face is that mountain which will lead you
towards your glorious future which you all dreamed for. You people of Mahishmati( book) now “The world will see you to
race for glory, World will see you fight for honour and world will see you to compete for title”.
2. Life is either a Daring Adventure or Nothing at all.

Life is simple for none. Life gives challenges and opportunities to everyone. It is upto each and every individual, how he
utilizes each opportunity and how he faces the challenges in life. It is upto you how you want to mould your life. Either
make your life a daring adventure and do something different else lead a simple life with nothing at all.
Life is one. Don’t waste it simply. Try to be bold enough to face all the challenges and except new ones. Convert all your
challenges into your victories and life will become an adventurous ride. We all have immense potential in ourselves, so
why not utilize it instead of wasting it. Challenge yourselves in life and with each challenge push yourself a
little higher. In your road of life, you will face many obstacles and hurdles created by others for you. Instead of crying over
these, have faith in yourself and happily face all the hurdles and after crossing those hurdles, you will definitely be higher
than all those people.
Friends, you have one life and you have the potential. So,challenge yourself to either become and inspiration for
others or do nothing at all. Don’t believe in being an average. Either you have to be the one or nothing at all. With this
desire in mind, you can become an inspiration for many.
Always ask yourself that what are you here for? Have an aim in your life and have the determination to achieve your aim
with whatever hurdles come your way. There is no point leading an aimless life.
Live each day like it’s your last but learn as if you are to live forever.
Swami Vivekananda once said, “To succeed, you must have tremendous perseverance, tremendous will. ‘I will drink the
ocean’, says the persevering soul; ‘at my will mountains will crumble up’. Have that sort of energy, that sort of will; work
hard, and you will reach the goal.”
3. Learn From FIFA 2018 - Rise Again to Achieve your Goal

The months of June & July 2018 have been a sight for the sore eyes after undertaking of the telecast of 21st FIFA World
Cup 2018 being held in Eastern Europe for the first time. A quadrennial international football tournament started
from 14th June 2018 in Russia where larger than life moments of dribbling, attacking, defending and much
more are the cynosure and will be continued until 15 July 2018 with 32 teams subdivided in 8 groups. Eyes are
stuck to the TV screens and hearts are besotted with the players’ chutzpah.
It is quite surprising and interesting at the same time that underdogs are putting their best to be on the upswing on the
other hand some celebrated teams of Football world like Germany (FIFA World Cup 2014 Winner) which became a damp
squib against Mexico in current ongoing FIFA World Cup 2018 Russia are under performing this time or take some other big
names like Italy (4-time World Cup Winner), Netherlands (Finalists in 1974, 1978 & 2010 & semifinalists in
2014) which couldn’t even make it happen to be among the qualifying teams and the current Copa America
Champions Chile took the audience aback in astonishment when it couldn’t get the ticket for Football World
Cup 2018.
Watching underdogs like Croatia, Belgium & Mexico performing above than expectations is something that makes this FIFA
inspiring, intriguing and irreplaceable. They are conveying the message that anyone can be a dark horse at a point of time.
Skills don’t reach out to you by looking at your name, status or appearance but your hard work, persistency &
never giving-up ideology.
As a viewer, we should not hope for a forgone conclusion to guess the winning team but expect it to be enthralled enough
that every player should perform in his copacetic form and they are not commemorated just as a one-trick pony in the
history of football world but players who tried every trick in the book to play against all odds. We should be more than
excited to watch heart throbbing goals and game skills that leave us on the edge of seat.
Be a staunch supporter of peace, joy, incredibility and fraternity. If you can’t show support & love to each & every team, at
least embrace, learn and praise their team members’ efforts, skills, prolonged experience and hard work. As a student, we
have lots of things to learn from this game of patience, skill, enthusiasm, persistency, devotion, passion,
flexibility and presence of mind.
Dare to Be
When a new day begins, dare to smile gratefully.
When there is darkness, dare to be the first to shine a light.
When something seems difficult, dare to do it anyway.
When life seems to beat you down, dare to fight back.
When you’re feeling tired, dare to keep going.
Dare to be the best you can –
At all times, Dare to be!”
4. Never Give Up. Never, Never Give Up!

It was the 1870s. Somewhere in a workshop in New Jersey, Thomas Alva Edison was burning the midnight oil trying to
invent the light bulb.
He tried numerous experiments…….all without success. He just couldn’t get it right. His failures became the talk of the town
and the story goes that after he had failed for the five hundredth time, a journalist interviewed him and asked, ‘Mr Edison,
how does it feel to have failed five hundred times? Why don’t you just give up?’
No, no young lady, replied Edison. I haven’t failed five hundred times. I have just discovered five hundred ways it won’t
work. I am so much closer now to finding a way that will work!’
Sure enough, in 1879, Edison invented the filament light bulb, an invention that changed the world. By the time he died, the
man who had failed five hundred times had got 1024 patents to his credit, and founded the iconic General Electric Company.
But Edison’s real contribution to mankind went beyond all this. He showed us the power of perseverance, the virtue of
learning from failures and the magic of never giving up.
To succeed, one must learn to embrace failure and not be scared by it. There is a story often told about Thomas J. Watson,
IBM’s founder chairman. A senior vice- president at IBM had championed an initiative that bombed- and cost the company
over 10million dollars. He was called in to meet with Thomas Watson. Fearing the worst, the vice-president walked in with
his resignation letter in hand and handed it over to the boss, apologizing for the failure and the resultant loss to the
company. Thomas Watson famously refused to accept his resignation saying, “Theirs is no way we are going to loose you.
We’ve just invested 10 million dollars in educating you!’
Failure holds valuable lessons for us- if only we are willing to learn. Very Often, we do all the hard word but when we don’t
see the desired results, we turn around and walk away- even though we may have been just one step away from success.
The problem is, we seldom realize that we are so close to achieving our goals. On the highway of life, there are no
Compiled by Sanjay Kumar Trivedy, Chief Manager, Canara Bank, Chatigalli, Solapur, Maharashtra 10 | P a g e
milestones telling us that success is 1 Km ahead. Jacob Riis, a photographer cum-journalist summed it up well when he said,
‘When nothing seems to work, I go and look at a stonecutter hammering away at his rock perhaps a hundred times without
so much as a crack showing in it. Yet at the hundred and first blow it will split in two, and I know it was not that blow that
did it, but all those which had gone before.’
The option of turning away and starting a new journey is tempting because, in our minds, it takes away the stigma of
failure. When you are not doing well in your job, what seems like the easiest thing to do? Try another stone. And then
another. Result? Lots of effort with zero result.
Observe babies who are learning to walk. They try and take a few steps, they stumble and fall. The they stand up and try
again. And bang, they fall again. They don’t feel embarrassed. They just get up and try again, until, bingo, they can walk! If
little children were like us grown ups and gave up after a few failed attempts , we would never have learned to walk. Yet as
adults, we forget that lesson. We are scared to take the first steps, because we are scared we might fail. And the first time
we taste failure, we give up.
A group of schoolchildren once asked Sir Winston Churchill what he thought was the secret of success. Churchill’s
response? Just seven words: Never give up.Never, never give up!’
Winners never quit and quitters never win.
Thomas J. Watson offered valuable advice to his vice-president that day. It’s advice that holds good to this day for all of us:
‘If you want to succeed, double your rate of failure.’ Don’t dwell on your lack of success. Don’t play the blame game. Don’t
doubt your ability. Learn from your mistakes.
Refocus on your goals. And keep going.
So adopt the Edison mindset. Fail Often, but never lose sight of your goals. Sooner or later, there is bound to be light.
It’s hard to beat a person who never gives up..Babe Ruth
5. Turn your weaknesses into strengths

A 10-year-old boy decided to study judo despite the fact that he had lost his left arm in a devastating car accident.The boy
began lessons with an old Japanese judo master. The boy was doing well, so he couldn’t understand why, after three
months of training the master had taught him only one move.
“Sensei,”(Teacher in Japanese) the boy finally said, “Shouldn’t I be learning more moves?”
“This is the only move you know, but this is the only move you’ll ever need to know,”
the sensei replied.Not quite understanding, but believing in his teacher, the boy kept training. Several months later, the
sensei took the boy to his first tournament. Surprising himself, the boy easily won his first two matches. The third match
proved to be more difficult, but after some time, his opponent became impatient and charged; the boy deftly used his one
move to win the match. Still amazed by his success, the boy was now in the finals.
This time, his opponent was bigger, stronger, and more experienced. For a while, the boy appeared to be overmatched.
Concerned that the boy might get hurt, the referee called a time-out. He was about to stop the match when the sensei
intervened. “No,” the sensei insisted, “Let him continue.” Soon after the match resumed, his opponent made a critical
mistake: he dropped his guard. Instantly, the boy used his move to pin him. The boy had won the match and the
tournament.He was the champion. On the way home, the boy and sensei reviewed every move in each and every match.
Then the boy summoned the courage to ask what was really on his mind.
“Sensei, how did I win the tournament with only one move?”
“You won for two reasons,” the sensei answered. “First, you’ve almost mastered one of the most difficult throws in all of
judo. And second, the only known defense for that move is for your opponent to grab your left arm.”The boy’s biggest
weakness had become his biggest strength.
Moral: Sometimes we feel that we have certain weaknesses and we blame God, the circumstances or ourselves for it but we
never know that our weaknesses can become our strengths one day. Each of us is special and important, so never think you
have any weakness, never think of pride or pain, just live your life to its fullest and extract the best out of it!”
6. Actually, I can..!!
It is hardly a secret that the key to successfully accomplishing one goal after another is staying motivated. There are, of
course, tasks which you may not like at all, yet you find motivation to complete even them because you recognize how each
particular task serves a greater goal.
How exactly do some of us manage to stay motivated most of the time? Here are just a few ideas you can try:
1) Find the Good Reasons
Anything you do, no matter how simple, has a number of good reasons behind it. Not all the tasks have the good reasons to
do them seen at first sight, but if you take just a few moments to analyse them, you will easily spot something good. We
also have many tasks which don’t need any reasoning at all – we’ve been doing them for so long that they feel natural.
But if you’re ever stuck with some question you hate and there seems to be no motivation to complete it whatsoever, here’s
what you need to do: find your good reasons. They may not be obvious, but stay at it until you see some, as this will bring
your motivation back and will help you finish the task.
Some ideas for what a good reason can be:
a material reward – quite often, you will get paid for doing something you normally don’t like doing at all
personal gain – you will learn something new or will perhaps improve yourself in a certain way
a feeling of accomplishment – at least you’ll be able to walk away feeling great about finding the motivation and courage
to complete such a tedious task
a step closer to your bigger goal – even the biggest accomplishments in history have started small and relied on simple
and far less pleasant tasks than you might be working on. Every task you complete brings you closer to the ultimate goal,
and acknowledging this always feels good.
2) Make it fun
When it comes to motivation, attitude is everything. Different people may have completely opposite feelings towards the
same task: some will hate it, others will love it. Why do you think this happens? It’s simple: some of us find ways to make
any task interesting and fun to do!
Take sports for example. Visiting your local gym daily for a half-an-hour workout sounds rather boring to many of us. Yet
many others love the idea! They like exercising not only because they recognize the good reasons behind it, but simply
because it’s fun! At certain time of their daily schedule, they find going to gym to be the best thing to do, simply because
nothing else will fit their time and lifestyle so perfectly.
Depending on how you look at it, you can have fun doing just about anything! Just look for ways of having fun, and you’ll
find them!
A simple approach is to start working on any task from asking yourself a few questions:
How can I enjoy this task?
What can I do to make this task fun for myself and possibly for others?
How can I make this work the best part of my day?
The answers will pop up momentarily, as long as you learn to have the definite expectation of any task being potentially
enjoyable.
Some of you will probably think of a thing or two which are valid exceptions from this statement, like something you always
hate doing, no matter how hard you try making it fun. I don’t want to argue – you’re probably right, and that’s why I don’t
claim everything to be fun. However, most tasks have a great potential of being enjoyable, and so looking for ways to have
fun while working is definitely a good habit to acquire.
3) Take different approach
When something doesn’t feel right, it’s always a good time to take a moment and look at the whole task looking for a
different approach.
You may be doing everything correctly and most efficiently, but such an approach isn’t necessarily the most motivating one.
Quite often you can find a number of obvious tweaks to your current approach which will both change your experience and
open up new possibilities.
That’s why saying “one way or another” is so common: if you really want to accomplish your goal, there is always a way.
And most likely, there’s more than one way. If a certain approach doesn’t work for you, find another one, and keep trying
until you find the one which will both keep you motivated and get you the desired results.
Some people think that trying a different approach means giving up. They take pride in being really stubborn and refusing to
try any other options on their way towards the goal. My opinion on this is that the power of focus is great, but you should be
focusing on your goal, and not limiting your options by focusing on just one way to accomplish it it.
4) Recognize your progress
Everything you may be working on can be easily split into smaller parts and stages. For most goals, it is quite natural to split
the process of accomplishing them into smaller tasks and milestones. There are a few reasons behind doing this, and one of
them is tracking your progress.
We track our progress automatically with most activities. But to stay motivated, you need to recognize your progress, not
merely track it.
Here’s how tracking and recognizing your progress is different: tracking is merely taking a note of having reached a certain
stage in your process. Recognizing is taking time to look at a bigger picture and realize where exactly you are, and how
much more you have left to do.
For example, if you’re going to read a book, always start by going through the contents table. Getting familiar with chapter
titles and memorizing their total number will make it easier for you to recognize your progress as you read. Confirming how
many pages your book has before starting it is also a good idea.
You see, reading any book you will be automatically looking at page numbers and chapter titles, but without knowing the
total number of pages this information will have little meaning.
Somehow, it is in a human nature to always want things to happen at once. Even though we split complex tasks into simpler
actions, we don’t quite feel the satisfaction until all is done and the task is fully complete. For many scenarios though, the
task is so vast that such an approach will drain all the motivation out of you long before you have a chance to reach your
goal. That’s why it is important to always take small steps and recognize the positive different and progress made.
5) Reward Yourself
This is a trick everyone likes: rewarding yourself is always pleasant. I’m happy to confirm that this is also one of the easiest
and at the same time most powerful ways to stay motivated!
Feeling down about doing something? Dread the idea of working on some task? Hate the whole idea of working? You’re not
alone in that, I’m telling you!
Right from the beginning, agree on some deliverables which will justify yourself getting rewarded. As soon as you get one of
the agreed results, take time to reward yourself in some way.
For some tasks, just taking a break and relaxing for a few minutes will do. For others, you may want to get a fresh cup of
coffee and even treat yourself to a dessert. For even bigger and more demanding tasks, you may want to reward yourself by
doing something even more enjoyable, like going to a cinema or taking a trip to some place nice, or even buying yourself
something.
Your progress may not seem to others like anything worth celebrating – but take time and do it anyway! It is your task and
your reward, so any ways to stay motivated are good. The more you reward yourself for the honestly made progress, the
more motivated you will feel about reaching new milestones, thus finally accomplishing your goal.
6) Mix and match
Now that you have these five ways of staying motivated, it is a good moment to give you the key to them all: mix and
match! Pick one of the advices and apply it to your situation. If it doesn’t work, or if you simply want to get even more
motivation, try another advice right way. Mix different approaches and match them to your task for best results.
Just think about it: finding good reasons to work on your task is bound to help you feel a bit better.
Identifying ways to make it fun will help you enjoy the task even more. Finally, if you then plan a few points
for easier tracking of your progress and on top of that agree on rewarding yourself as you go – this will make
you feel most motivated about anything you have to work through
7. Start To Believe In Yourself..!!

People who are generally inclined towards regular self-improvement will likely continue to do so. Others may not. The
difference has nothing to do with their external situations. Success or failure in almost anything starts from within. Once you
start believing in yourself, you create a domino effect of positive outcomes. This is true whether you are trying to lose
weight, start a business, or just be happier in life.
Here are eight things that happen when you start to believe in yourself:
1. You become less judgmental.
Judgment and negative energy are a reflection of the giver, not the receiver. People who spend a lot of time judging others
generally spend very little time working on themselves. When you put your energy into your own life and choices, you stop
focusing on everyone else. The road to truly believing in yourself is paved by knowing and accepting yourself, flaws and all.
Walking that journey also makes you much more compassionate and aware that others may also be traveling down a path
that you cannot see.
2. You can actually do more.
The biggest excuse people have for not doing what they need or want to do is, “I don’t have the time.” Yet, every human
being on the planet has the same amount of time in a day. Time is a constant, not a variable. It is what it is. Luckily,
although time doesn’t change, you can. Lack of confidence manifests as fear and perfectionism. However, you can start
building confidence at any given moment. Believing in yourself requires little investment and is very liberating, both mentally
and physically. As Henry Ford one said, “Whether you think you can, or you think you can’t… you’re right.”
3. You inspire others to believe in you.
Authentically confident people are inspiring. When you truly believe in yourself, you hold the power of influence. Others will
want to aid your efforts. This is especially important if you are growing a business or embarking on any endeavor that
requires support.
4. You handle criticism more objectively.

Nobody likes to get negative feedback. The most successful people are those who can take input from others, weed out the
valid points, and make adjustments for the better. Believing in yourself forms a more solid emotional foundation. It allows
you to rationally consider both the information and the source. You also won’t get your feelings hurt as easily, as you’ll be
able to compartmentalize negative intentions. If there is some truth to what the other person is telling you, you will be
confident enough to take it with gratitude and put it in action to your benefit.
5. You increase your power of persistence.

Everyone faces tough times. While falling down is universal, the ability to get up and keep going is individual. Believing in
yourself doesn’t mean believing you are all-powerful or perfect. It means trusting your ability to figure things out and keep
going. If anything, those who are truly confident expects some bumps in the road. They know that those stumbling blocks
will either teach them something, make them stronger, or propel them to some unexpected place. Believe in yourself and
keep going.
6. You attract miracles.

By default, believing in yourself creates positive energy. As you begin to expect the best, you will start to see things
happening that are perfectly aligned with your desires and goals. Energy attracts like energy. It is not blind faith or luck; it’s
the way things naturally work. It’s knowing that you are doing what you need to do towards creating your ultimate outcome.
My personal mantra is, “As I am moving towards my goals, they are also coming towards me.”
7. You become more disciplined.

A deep internal belief in oneself invariably leads to better habits in life. You don’t want to let yourself down! Accepting and
believing in yourself is extremely empowering; with great power, comes great responsibility. You can no longer blame others
or wait for external forces to make things happen for you. People who have a deep inner belief in themselves also tend to
develop great external strategies.
8. Your potential for success becomes exponential.

Tapping into pure self-confidence is like finding an ocean. When you first start testing the waters, it may feel uncomfortable.
As you find initial success, your initial hesitance fades and excitement starts to take over. Eventually, you are the ship with
unlimited potential, eager to see what’s next. Everyone’s journey may be a little different, but once you get there, the
possibilities are endless. Increased confidence brings increased capacity.
8. Try to Prove Yourself the Best in Your Field of Work

J.R.D. Tata, one of the greatest captains of Industry once said : "One must for ever strive for excellence or even perfection, in any
task howsoever small, and never be satisfied with second best." How meaningful and inspiring these words are ! We who are striving
to achieve great things and accomplish something yet unheard of, must imbibe the spirit and content of these words of the world
renowned industrialist who himself was a living example of super human effort and an achiever of Himalayan heights in the field he
chose for himself. In whatever vocation we are we should do our best, strive to garner glory and try to achieve perfection. If we
constantly do so, it will become our habit in our approach to work we undertake, eventually leading to the success desired. In case
we adopt this attitude of mind, this philosophy of action and effort, we are sure to reach the grand destination of success we are
aspiring for. We must work with concentrated attention in the same way as Arjun of Mahabharat did in piercing the eye of a bird
when asked to do so by his Teacher. Doing your job half-heartedly and with attention divided between different things would leave
you no where. It will bring you nothing but despair and dejection and lead you into the whirlpool of failures galore. If you are
preparing for an examination, academic or competitive, devote your whole soul to it and then witness the golden glory of success
which is your goal. Do your best and not the second best and you will certainly be crowned with the rewards you are craving for, i.e.,
the fruition of your ambitions and the realization of your dreams
9. How do I reach Mount Olympus?
You wish to achieve excellence in your studies. Every aspirants/student wants to get a distinction or first class; in fact,
no one wants to be known as a 'failure'. To achieve this objective, it is necessary that one should cultivate the 'proper
attitude' from the very beginning.
Let me illustrate this point with a story:
It seems that, once, in ancient Greece, a traveler going to Mount Olympus, lost his way in a town. He asked an old man
whom he met on the road: "Sir, how do I reach Mount Olympus?". The old man happened to be Socrates, the great
philosopher. You see, philosophers do not give an ordinary answer; their answers will be valid for all times! Socrates
thought for a moment and replied: "...by making sure that every step you take is in that direction!" My friends,
it is debatable if this answer helped the traveler, but certainly we can get benefited by this answer. If you want to
achieve excellence in your studies, it is important that you never forget the goal and take every step in that
direction.
Now, I would like to discuss as to what happens to a aspirants/student 's mind when he joins an engineering college,
what pressures and difficulties he goes through etc.
Thus, to repeat: traditionally speaking, 'effective study' involves Shravan (i.e. effective listening), `Manan (i.e. effective
recollection), and Nididhyasan (i.e. effective rumination).
In modern terminology, this method is called as SQ3R method of study. It is explained as follows:
 S...Scan...i.e. scan or read the chapter or subject
 Q...Question...mentally ask questions as you read the chapter (or, collect the questions asked in the previous exams)
 R...Read...and underline the key words
 R...Recite...i.e. recollect
 R...Review...i.e. re-read or ruminate again and again
Take up one idea. Make that one idea your life—think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of
your body, be full of that idea, and just leave every other idea alone. This is the way to success - Swami Vivekananda
C.YOUR EXAMINATION STRATEGY
1. PROMOTION –TEST : CLERICAL TO OFFICER ( MEMO -20/2019 & OTHERS )
The details of the Promotion Policy in respect of promotion of employees from clerical cadre to Junior Management
Grade Scale-I as agreed and settled with the representatives of the Canara Bank Employees' Union was circulated
vide I.R. Section Memo No.:19/2015 dated 18.03.2015, 24/2016 dated 01.04.2016, 21/2017 dated 23.03.2017,
35/2018, 36/2018, 20/2019 dated 28.03.2019 & 27/2019 dated 12.04.2019
1. IT HAS BEEN DECIDED TO CONDUCT THE WRITTEN TEST “ONLINE”. THE TEST WILL BE HELD ON SUNDAY, THE
23rd JUNE, 2019 – MORNING SESSION. The Online Test will be conducted by M/s. Institute of Banking Personnel
Selection, Mumbai; the same will be Objective in nature.
2. ALL ELIGIBLE EMPLOYEES INCLUDING THOSE WHO OPT TO UNDERGO THE PROMOTION PROCESS UNDER TEST
CUM INTERVIEW CHANNEL / INTERVIEW CHANNEL / HIGHLY QUALIFIED CATEGORY/ SPORTS CATEGORY SHOULD
SUBMIT THEIR WILLINGNESS THROUGH HRMS-ESS ON OR BEFORE 26.04.2019 BY 5.00 PM. All employees in
Clerical Cadre including Special Assistants who satisfy the eligibility norms specified in the promotion policy as on
01.04.2019, are requested to submit their willingness through HRMSESS on or before 26.04.2019 by 5.00 PM.
It is mutually agreed that there shall be 2 channels for promotion to Junior Management Grade Scale-I, viz.
a. Test cum Interview Channel. b. Interview Channel.
It is also mutually agreed that there shall be two tier for promotion to JMG Scale-I under Test cum Interview Channel :
a) Merit Tier , b) Merit cum Seniority Tier
Weightage For Promotion Under Each Channel:-
TEST CUM INTERVIEW CHANNEL INTERVIEW CHANNEL
MERIT TIER MERIT CUM SENIORITY TIER
Written/ Online Test, Qualification, Written/ Online Test, Service, Service,
Service Record, Qualification, Qualification, Service
Confidential Report & Interview. Service Record, Record, Confidential Report
Confidential Report & Interview. & Interview.
I PROMOTION UNDER TEST CUM INTERVIEW CHANNEL
It is mutually agreed that promotion to Junior Management Grade Scale-I under this channel shall be on the following
basis:
FOR MERIT TIER AND MERIT CUM SENIORITY TIER – ELIGIBILITY, QUALIFICATION AND QUALIFYING
SERVICE:
Eligibility : All employees in the Clerical Cadre who satisfy the following stipulation in respect of Qualification,
Qualifying Service, Written/Online Test and Interview are eligible for being considered for promotion.
Qualification as on application date:
A minimum qualification of pass in SSLC/ equivalent examination. In the case of those employees who do not
satisfy the stipulation for minimum qualification, they shall however be eligible if they have passed Part-I of CAIIB/ AIB
(London) or JAIIB examination.
Qualifying Service as on application date:
Employees in the Clerical Cadre who satisfy the following stipulation for qualifying service shall be eligible to be
considered for promotion. i) Employees who have put in a minimum of 5 years actual service in the Bank
(OR), ii) Employees with 4 years actual service in the Bank and who have passed Part-I of the CAIIB / AIB (London) or
JAIIB examination
(OR), iii)Employees with 3 years of actual service in the Bank and who have passed both parts of CAIIB / AIB (London)
examination.
The SC/ST employees are eligible for relaxation of 2 years in qualifying service.
Note 1: An employee shall have minimum of one year actual service notwithstanding any relaxation mentioned herein
above.
Note 2: The term actual service means the period of service exclusive of aggregate of such period under suspension
which is treated as not spent on duty, unauthorized absence (AWL) beyond 90 days and sabbatical leave, if any.
2. COMMON CONDITIONS FOR BOTH INTERVIEW CHANNEL & TEST CUM INTERVIEW CHANNEL (MERIT
TIER AND MERIT CUM SENIORITY TIER).
The following conditions shall be equally applicable for both Interview Channel & Test cum Interview Channel (Merit
Tier and Merit cum Seniority Tier).
I. In the case of employees who have been promoted from the rank of Sub-staff, for the purpose of calculating
qualifying service, their services shall count only from the date of their promotion as Clerks;
II. In the case of Ex-Servicemen employees who have been recruited against the reserved vacancies in the clerical
cadre the benefit of weightage for the past service rendered by them in the Armed Forces be extended in the
ratio of 5:1, subject to a maximum of 2 years after they rendered at least 3 years of actual service in the Bank in
that cadre after re-employment. That is for every completed 5 years of service in the Armed Forces one year of
weightage in the Bank will be given, subject a maximum wieghtage of 2 years.
3) MODE OF SELECTION:
Eligible employees satisfying the Qualification and Qualifying Service as on application date shall be administered a
Written/ Online Test and the successful candidates shall undergo the Interview Process.
4) PROCEDURE :
i) Written / Online Test : Online Test on the following subjects:
a) Banking Law and Practice.
b) Manual of Instructions/Circulars/Memos/Other Communications issued by the Bank
c) Latest Scenario and development in the Banking Industry/Computer literacy.
d) General English
The test will be of objective type conducted by IBPS, Mumbai.
Out of the 100 Marks for Written/Online Test, an employee shall secure a minimum of 40 Marks to Pass for General
candidates and 35 marks for SC/ST candidates. The marks secured under written/ online test shall be intimated to the
employee.
ii) RANKING : a) Merit Tier :
Employees who have come out successful in the written/online test will be ranked under this tier basing on the
aggregate of marks secured in the following parameters :
Parameters Maximum Marks
Marks for Qualification 10

Weightage for Written/online Test Marks 50
Marks for Service Record 10
Marks for Confidential Report 6
Interview Marks 24
Total 100
b) Merit-cum-Seniority Tier :
Employees who have come out successful in the written/online test will be ranked under this tier basing on the
aggregate of marks secured in the following parameters :
Parameters Maximum Marks
Marks for Qualification 10

Weightage for Written/Online Test Marks 35
Marks for Service Record 10
Marks for Confidential Report 6
Interview Marks 24
Marks for Service 15
Total 100
The ranking list will be first drawn under Merit-cum-Seniority Tier followed by Merit Tier.
5) MARKS FOR QUALIFICATION, WEIGHTAGE FOR WRITTEN/ ONLINE TEST, MARKS FOR SERVICE RECORD, MARKS
FOR CONFIDENTIAL REPORT, MARKS FOR INTERVIEW AND SERVICE, WHEREVER APPLICABLE SHALL BE AWARDED
AS UNDER:
a) QUALIFICATION:
For Graduation 2 Marks
For Post Graduation/ LLB or any other degree in Law (3 Yrs Course) 3 Marks
for which graduation is a minimum Qualification
Part I CAIIB / AIB (London)/ JAIIB 2 Marks
CAIIB / AIB London 3 Marks
TOTAL 10 Marks
b) WEIGHTAGE FOR MARKS SECURED IN / WRITTEN ONLINE TEST:
i) Merit Tier: 50% of the marks secured in the written test will be taken as weightage for promotion.
ii) Merit cum Seniority Tier: 35% of the marks secured in the written test will be taken as weightage for promotion.
c) SERVICE RECORD (FOR PRECEDING 3 YEARS) : MAX. 10 MARKS Marks under Service Record shall be
awarded as follows : Maximum of 10 marks will be given to employees having clean service record.
Out of the above, for the following instances, marks will be deducted:
i. One Mark for Dishonour of Cheque on each occasion. However, if the employee is chargesheeted for this,
marks will be deducted under chargesheets as mentioned in Para (iii) below.
ii. Two Marks for each caution letter issued by HRM Section for willful disobedience, insubordination or for any
other lapse.
iii. If any employee is chargesheeted and found guilty, three Marks for minor misconduct and five Marks for
Gross misconduct will be deducted in respect of each chargesheet.
d) CONFIDENTIAL REPORT : (MAX. 6 MARKS)
Confidential reports for the past 3 calendar years (half yearly reports wherever applicable) preceding the application
date will be taken into account and marks will be awarded as agreed under settlement dated 25.08.2010. However, for
the appraisal year 2014 onwards the marks shall be awarded as under:-
For each year
Superior 2.00
Very good 1.50
Good 1.00
Average 0.50
e) INTERVIEW :
Employees who have come out successful in the Written/ Online Test shall be interviewed by a Three Member
Committee, one of whom shall be a Deputy General Manager, another any Executive and third one belonging to
SC/ST may also be an Executive or in the alternative, not below the rank of Scale II. Marks for interview will be
awarded independently by each member and average of marks awarded by the members will be taken to be the
marks obtained by an employee in interview.
Marks for interview shall be awarded under the following heads, subject to a maximum under each sub-head.
ITEMS MAX. MARKS
PERSONALITY 6
COMMUNICATION SKILLS 6
INITIATIVE AND COMPETENCY 6
INTELLIGENCE, ATTITUDE AND CLARITY OF THOUGHT 6
TOTAL 24
f) SERVICE MARKS: (Applicable under Merit-cum-Seniority Tier).

One Mark for each completed year of actual service in clerical cadre as on the application date subject to a
maximum of 15 marks. More than six months shall be counted as one year and less than six months shall be
ignored.
II PROMOTION UNDER INTERVIEW CHANNEL
1) All the employees in clerical cadre who have put in minimum of 18 years of actual service in the Bank as on the
application date and satisfying the stipulation regarding qualification as specified under Test cum Interview Channel
and who have NOT exercised their willingness to undergo the test process and who have indicated their willingness for
considering under “Interview Channel” are eligible for under going promotion process under this channel.
2)The vacancies earmarked for this channel shall be distributed region wise and the selection will be made on the basis
of region wise ranking.
3)Regions for this purpose shall be as classified below:
Region States & UT
Region 1 Bengaluru, Mangaluru Circles & Head Office.
Region 2 Chennai & Madurai Circles
Region 3 Trivandrum, Hyderabad & Vijayawada Circles
Region 4 Ahmadabad, Mumbai, Pune Circles & Treasury Wing Mumbai.
Region 5 Delhi, Chandigarh & Jaipur Circles
Region 6 Bhopal, Karnal & Lucknow Circles
Region 7 Bhubaneswar, Guwahati, Kolkata, Patna & Ranchi Circles
The employees working in Zonal Inspectorates, Treasury Wing Mumbai and such other administrative unit which are
part of Head Office will qualify under respective States.”
The employees working in Zonal Inspectorates will qualify under respective Regions.
4) It is agreed that the vacancies earmarked for promotion under this channel will be distributed among the
seven regions with mutual discussion.
5)Employees who are eligible for being considered for the promotion under this channel shall be called for Interview
and awarded marks under the following traits for the purpose of ranking region wise.
Traits Max. Marks
a) Service 42
b) Qualification 10
c) Service Record 07
d) Confidential Report 06
e) Interview 35
Total 100
5)From the region-wise ranking list, selection will be made to the extent of vacancies earmarked for the particular
region.
6)The marks for service, qualification, Service Record, Confidential Report & Interview shall be awarded as below :-
a) SERVICE MARKS :
1.No marks for service upto 18 years of actual service in Clerical Cadre including the employees who are ex
servicemen.
2. 2.5 marks for each completed year of actual service above 18 years of actual service subject to a maximum of 42
marks. More than six months shall be counted as one year and less than six months shall be ignored.
b) QUALIFICATION:
1. For Graduation 2 Marks
2. For Post Graduation/LLB or any other degree for which 3 Marks

graduation is a minimum Qualification
3. Part I CAIIB / AIB (London)/ JAIIB 2 Marks
4. CAIIB / AIB (London) 3 Marks

TOTAL 10 Marks
c) SERVICE RECORD (FOR PRECEDING 3 YEARS) : MAX. 7 MARKS Marks under Service Record shall be
awarded as follows :
1. Maximum of 7 marks will be given to employees having clean service record.
2. Out of the above, for the following instances, marks will be deducted:
One Mark for Dishonour of Cheque on each occasion. However if the employee is chargesheeted for this, marks
will be deducted under chargesheets as mentioned in Para (iii) below.
Two Marks for each caution letter issued by HRM Section for willful disobedience, insubordination or for any other
lapse.
If any employee is chargesheeted and found guilty, three Marks for minor misconduct and five Marks for Gross
misconduct will be deducted in respect of each chargesheet.
d) CONFIDENTIAL REPORT: MAX. 6 MARKS
Confidential reports for the past 3 calendar years (half yearly reports wherever applicable) preceding the application
date will be taken into account and marks will be awarded as agreed under settlement dated 25.08.2010.
However, for the appraisal year 2014 onwards the marks shall be awarded as under:-
For each year
Superior 2.00
Very good 1.50
Good 1.00
Average 0.50
e) INTERVIEW:
Marks for interview shall be awarded under the following heads, subject to a maximum under each sub-head.
TRAITS MAX. MARKS
GENERAL KNOWLEDGE & KNOWLEDGE OF BANKING LAW & PRACTICE 15
PERSONALITY 5
COMMUNICATION SKILLS 5
INITIATIVE AND COMPETENCY 5
INTELLIGENCE AND CLARITY OF THOUGHT 5
TOTAL 35
NOTE: For being considered for ranking under Interview Channel an employee shall secure a minimum of 14
marks in the interview for General Candidates and 12.25 marks for SC/ST Candidates. The candidates securing
below the minimum prescribed marks shall not be ranked for promotion.
F) PROMOTION OF HIGHLY QUALIFIED EMPLOYEES FROM CLERICAL TO JMG SCALE I OFFICER CADRE:
ELIGIBILITY:
The employees possessing any of the following technical / professional qualifications from any of the recognized
universities / institutions shall be considered for promotion to JMG Scale-I under Highly Qualified category with 2 years
of actual service as on the eligibility date i.e. as on 01.04.2018.
i) ACA / ICWA / CFA / ACS
ii) BE or AMIE or B.TECH, M.TECH / B Arch
iii) LLB / LAW GRADUATION / LLM
iv) MBA / MMS / MHRM / MFA / PGDBM* / PGDM*
v) MCA / MSc COMPUTER SCIENCE / MSc INFORMATION TECHNOLOGY
vi) BDS / B Pharma * Full time two year course
WHEREAS the Clause No. II of the said Memorandum of Settlement deals with “Interview Channel” and Sub Clause No. II
(3) defines the Regions for this purpose. Further, Clause C of the said Memorandum of Settlement deals with “Promotion of
Highly Qualified Employees from Clerical to JMG Scale I Officer Cadre.”
WHEREAS the parties after mutual discussion have agreed that in view of last bifurcation of Circle the region for the
purpose of clause II of said Memorandum of Settlement requires to be modified. It is also mutually agreed that for the
purpose of “Promotion of Highly Qualified Employees from Clerical to JMG Scale I Officer Cadre” as envisaged under
Clause C of the said Memorandum of Settlement, B Arch, MMS, MHRM, MFA, PGDBM and PGDM would also be
considered as one of the eligible courses.
WHEREAS considering the large number of promotional aspirants under the “Highly Qualified Category” as referred
above, the parties mutually discussed the matter of relaxing the above mentioned clause.
NOW THEREFORE, with the above the following modifications to the said Memorandum of Settlement are agreed as
under:-
“II (3) Regions for this purpose shall be as classified below:-
Region States & UT
Region 1 Bengaluru, Mangaluru Circles & Head Office.
Region 2 Chennai & Madurai Circles
Region 3 Trivandrum, Hyderabad & Vijayawada Circles
Region 4 Ahmadabad, Mumbai, Pune Circles & Treasury Wing Mumbai.
Region 5 Delhi, Chandigarh & Jaipur Circles
Region 6 Bhopal, Karnal & Lucknow Circles
Region 7 Bhubaneswar, Guwahati, Kolkata, Patna & Ranchi Circles
The employees working in Zonal Inspectorates, Treasury Wing Mumbai and such other administrative unit which are
part of Head Office will qualify under respective States.”
“Vacancies: Not more than 18% of the vacancies declared under Junior Management Grade Scale I without any
restriction of upper limit. Unfilled vacancies shall fall back to Test cum Interview Channel and there will be no
carryover of backlog.”
A. Employees possessing any of the above qualifications with 2 years of actual service as on the application date
are eligible for undergoing promotion process and such employees have to submit their willingness specifically for
this channel only. The candidates who opt for this channel cannot opt for any other channel even if eligible.
B. Eligible employees satisfying qualification and service conditions shall be administered a common Written/
Online Test as per Clause B (4) (i) of this Settlement in which they should secure a minimum of 50 Marks for
General Category employees and 45 marks for SC/ST employees for pass.
C. Employees who have come out successful in the Written/ Online Test shall be interviewed by a Three
Member Committee, one of whom shall be a Deputy General Manager, another an Executive and third one
belonging to SC/ST may also be an Executive or in the alternative, not below the rank of Scale II. Marks for
interview will be awarded independently by each member and average of marks awarded by the members will
be taken to be the marks obtained by an employee in interview.
The marks for Written / Online Test, Interview, Qualification, Service Record and Confidential Report shall be as under:
SL.NO. PARTICULARS MARKS FOR SUB TOTAL

HEAD MARKS
I WEIGHTAGE FOR WRITTEN TEST 55 55
II INTERVIEW : 24
A) Banking Knowledge 12
B) Potential 12
III QUALIFICATION : 5
Part I CAIIB / AIB (LONDON)/ JAIIB 2
CAIIB / AIB (LONDON) 3
IV SERVICE RECORD & CONFIDENTIAL 16

REPORT :
Confidential reports for maximum 2 years 6
(half years whereverapplicable) immediately preceding
will be taken into account and marks will be awarded as
agreed under settlement dated 25.08.2010.
However, for the appraisal year2014 onwards the marks shall

be awarded as under:-
100
For each year

Superior 3.00
Very good 2.00
Good 1.00
Average 0.50
SERVICE RECORD
Marks under Service Record shall be awarded as follows :
a) Maximum of 10 marks will be given to employees having clean service record.
b) Out of the above, for the following instances, marks will be deducted:
I. One Mark for Dishonour of Cheque on each occasion. However if the employee is chargesheeted for this,
II. Two Marks for each caution letter issued by HRM Section for willful disobedience, insubordination or for any
other lapse.
III. If any employee is chargesheeted and found guilty, three Marks for minor misconduct and five Marks for Gross
IV. For awarding weightage for marks for written/online test, for every one mark secured, 0.55 marks weightage
for promotion will be extended.
V. The candidates who have been interviewed will be ranked on the basis of aggregate of marks secured in I to
IV above. The promotion will be done on the basis of such ranking.
D PROMOTION OF SPORTS PERSONS IN CLERICAL CADRE TO JUNIOR MANAGEMENT GRADE SCALE I:

1 ELIGIBILITY CONDITIONS: Minimum Qualification: Pass in SSLC or equivalent examination.
2 QUALIFYING SERVICE AND PERFORMANCE IN SPORTS / GAMES / INDIVIDUAL EVENTS:
CATEGORY A : (Participation at recognised International Level and securing a position among first three winners of
the event) :
i) Minimum one year service in the Bank as on date of application.
ii) Should have represented India at the recognised International Level in any of the games specified (which
are furnished hereunder after category 'C') and have actually played / participated for the country (not merely
being in the reserves or stand-bye) and secured a position among the first three winners of the event.
However, such recognition should have been achieved not earlier than one year from the date of consideration for
promotion. OR
Should have won Arjuna Award or any other National Award/s for excellence in Sports.
CATEGORY B: (Participation at the International Level)
i)Minimum two years of service in the Bank as on date of application.
Should have represented India atleast twice at the recognised international level in any of the games ii) specified
(which are furnished hereunder) and have actually participated (not merely being a reserve or stand-bye). The
last representation being not earlier than one year from the date of consideration for promotion.
CATEGORY C: (Participation at National Level)

I. Minimum Four years service in the Bank as on date of application.
II. Should have represented the State at least thrice in any of the athletic / games / individual events
recognised by the Indian Council of Sports / Indian Olympic Association / State Sports Council and should
have actually participated (not merely being a reserve or stand-bye).
III. However, last representation should have been not earlier than two years from the date of consideration for
promotion.
IV. Representing State means participation in All India Inter-State matches at Senior Level and it is specifically
understood that participation in any event under invitation matches is not included in this category.
V. Representing the State at least thrice means representing thrice in immediately preceding four years as on the
date of application.
GAMES SPECIFIED :
1. Foot Ball 2. Hockey 3. Volley Ball 4. Basket Ball 5. Cricket 6. Athletics 7. Table Tennis 8. Tennis 9. Shuttle Badminton
10. Body Building 11. Weight Lifting 12. Acquatics 13.Kabaddi 14. Kho Kho 15. Ball Badminton 16. Chess 17. Shooting,
and such other games recognised by Indian Olympic Association.
3 MODE OF EFFECTING PROMOTIONS :
Employees shall be interviewed by a Three Member Committee, one of whom shall be a Deputy General Manager,
another an Executive and third one belonging to SC/ST may also be an Executive or in the alternative, not below
the rank of Scale II. Marks for interview will be awarded independently by each member and average of the
marks awarded by the members will be taken to be the marks obtained by an employee in interview.
The marks for interview, qualification and service record report shall be as under:
The candidates will be interviewed by the Committee to assess their banking knowledge and potential as under :
a) INTERVIEW : MARKS
Banking Knowledge 40
Potential 30
Sub Total 70
b) QUALIFICATION :
For Graduation 2
For Post Graduation/LLB or any other degree for which 3
graduation is a minimum qualification.
Part I CAIIB / AIB (London)/JAIIB 2

CAIIB / AIB (London) 3
Sub Total 10
c) SERVICE RECORD 10
Marks under Service Record shall be awarded as follows:
Maximum of 10 marks will be given to employees having clean service record.
I. Out of the above, for the following instances, marks will be deducted:
II. One Mark for Dishonour of Cheque on each occasion. However if the employee is chargesheeted for this,
III. Two Marks for each caution letter issued by HRM Section for willful disobedience, insubordination or for any
other lapse.
IV. If any employee is chargesheeted and found guilty, three Marks for minor misconduct and Five Marks for Gross
d) CONFIDENTIAL REPORT : 10
Confidential reports for maximum 2 years (half years wherever applicable) immediately
preceding two years will be taken into account and marks will be awarded as agreed under
settlement dated 25.08.2010.
However, for the appraisal year 2014 onwards the marks shall be awarded as under:-
For each year
Superior 5.00
Very good 4.00
Good 3.00
Average 1.00
I. For being considered for promotion under Sports Category, an employee shall secure a minimum of 28
marks out of 70 allotted for Interview. In respect of employees belonging to SC/ST, they shall secure a
minimum of 24.5 marks.
II. Thereafter, the candidates will be ranked on the basis of the aggregate of the marks secured in D 3 (a) to 3 (d
)above. The promotion will be done on the basis of such ranking.
III. The promotion under this category is also applicable to an employee who is not recruited under Sports Persons
category but has represented in International/ National Level Game as specified above.
VACANCIES:
Not more than 2% of the vacancies declared in the officers’ cadre (Junior Management Grade Scale I) in the previous
year, subject to a maximum of 10 vacancies per application. Unfilled vacancies shall fall back to Test Channel and
there will be no carry over of backlog.
E GENERAL CONDITIONS FOR ALL PROMOTIONS:

a) It is agreed that the eligibility for promotion shall be reckoned in terms of this settlement as on 1st April of the year.
b) An employee shall have rendered minimum of one year actual service notwithstanding any relaxation mentioned
herein above.
c) From the ranking list to the extent of promotion, provided for under each Tier viz., Merit cum Seniority Tier and
Merit Tier, vacancies shall be filled in the same order. Ranking list of all eligible employees shall be maintained. In
case an employee promoted in a process opts for reversion before joining the place of posting on promotion, such
vacancies created out of reversion may be filled up by the Bank by promoting next employee in the rank list of
the particular channel. The effective date of promotion of such employees will be the date of order by the
Competent Authority only. Ranking list shall be valid till the commencement of promotion process for the next
year i.e. next application date.
d) It is agreed that such of those employees against whom any proceedings on charges of misconduct / offence are
pending before a domestic enquiry or court of law and/ or who are under suspension, their promotion will be as per
the guidelines of Government of India/ CVC.
e) An employee promoted in terms of this settlement, shall be on probation for a period of one year, which may be
extended further by a period not exceeding 12 months in multiples of 3 months.
f) Confirmation of an employee who has been promoted is subject to his/her successfully completing period of
probation. There shall however be no written test for the purpose of confirmation.
g) Such of those probationers whose work and progress is not satisfactory during the period of probation are
liable for reversion to their post in the clerical cadre in which he/she was working at the time of promotion.
h) It is agreed that an employee aggrieved by non-promotion if he/she so desires, shall have the right to prefer
an appeal in the matter to the General Manager, Human Resources Wing of the Bank. Such appeal shall be
preferred within 30 days from the date of publication of final results. Any appeal submitted beyond the
stipulated period will not be considered. All appeals shall be disposed off within 6 months from the date of
publication of the results.
i) It is agreed that the date of declaration of vacancies shall be as on 1st April of the year. Generally, the promotion
process will be completed as per Government of India guidelines.
j) The percentage of reservation and/ or relaxations given to SC/ST category employees and weightage given to Ex-
servicemen employees for their past service shall be as per Government of India directives/Guidelines issued from time
to time.
k) Employees who have come out successful in the written test / have been interviewed but not promoted have to
undergo the process of test / interview along with others in the subsequent applications.
l) The employee on sabbatical leave shall not be eligible to appear in promotion process during the sabbatical
leave period, even if otherwise eligible.
m) For the employees who acquire Post Graduation directly separate marks for graduation will not be
reckoned while calculating the marks for qualification.
n) If any doubt, difficulty or dispute arises regarding the interpretation of any of the provisions of this Settlement or
any other matter arising out of it or in connection therewith, it shall be taken up only at Head Office level and resolved
after mutual discussion with Canara Bank Employees’ Union.
2.PROMOTION TEST SYLLABUS ANALYSIS
1. COMMON SYLLABUS FOR BANKING PROMOTION TEST

It was found after research & analysis of last 11 years (2008-19) of questions of various scales & banks
Promotion Test questions such as SBI, Canara bank, PNB, UBI, BOI, UCO, IOB, IB, BOB, RRB etc. It was found
that during last 10 years of analysis of questions, nearly 70-90% are on General Banking and remaining 10-
30% questions are based on Bank specific Assets ( Loans) & Liability( Deposits) related products. The
detailed Analysis of syllabus is as under
A. LAWS /ACT RELATED TO INDIAN BANKING

LEGAL ASPECTS/ BANKING LAW AND PRACTICE : RBI / BR Act, NI Act – Holder / Holder in due course /Bill of Exchange :
Case Studies , NI Act – Cheque – validity / truncated cheque / digital signature, calculation of Due date/ National Calendar (Saka
Samvat)/ CTS 2010 std, Negotiation & Endorsement / Crossing, Bank and customer relationship,Types of customers – Minor / Joint
accounts – Case study type, Operations in joint Account, Partnership – case studies/ Limited liability partnership,Joint stock company -
Pvt / public company – min/max numbers / directors MoA/ Articles of Assn/ Certificate of incorporation / Certificate of commencement /
Charge creation related, Companies Act 2013 provisions, NCLT& NCLAT, HUF / other provisions, Trust, Society, Clubs,
associations,Executors, Administrators,Insolvents, illiterate, Missing person, POA/LOA,COPRA, Garnishee order / Attachment Order,
Customer grievances Handling Mechanism –Case study type, Kind of securities and relevant ACT Provisions, Lien / Set-off, RTI ACT,
Death Claim, Banker-Customer Relationship, banker Obligations, Set off, Lien, Right of appropriation, Rule n Clayton’s Case,
Immediate credit of Instruments, Pass book entries-2017, Nomination facility & Legal representation, IBA banking Practices guidelines,
IBA Model Policy on Bank deposits, RBI- Directives on Deposit rate of Interst, Model Compensation policy, Inoperative/Dormant
Accounts.
B. DEPOSITS
1.KNOW YOUR CUSTOMER (KYC) : KYC, KYC POLICY WITH LATEST GUIDE LINES, CKYC,KYR,EKYC,OVD( Officially
Valid documents), PAN No related questions, AML,CTR ,STR,CCR, Risk Categorisation, Money mules ,transactions, BSBD A/cs/
Small Accounts etc..
2. CASA DEPOSITS – General Guidelines, Types of accounts, CASA Products and various Products of CASAs, Nomination,
Nomination process and claim settlement, Status of the nominee / Minor as nominee / Relevant section of BR Act( Sec 45ZA to ZF)
Unclaimed deposits – DEAF etc
3.Govt. Small Saving Deposit Schemes : Senior Citizens savings Scheme, PPF, Sukanya samriddhi a/c, KVP, NSC, govt. Business etc.
4.TERM DEPOSITS : TERM DEPOSITS – Procedural aspects as case study, Recurring Deposits & other TD Products , Others – Rate
of interest related , TDS related questions etc..
C. LOANS & ADVANCES

1.GENERAL ADVANCES : CRM policy – Exposure, CRM Policy –Bench mark ratios / Quick mortality / credit audits, Stock Audit,
Legal Audit, MTR, Take over norms, CRE, CIBIL /CIR- multiple CIRs, CERSAI ,Credit Risk Range, BASEL III, Capital structure /
components of capital structure, Risk weighted assets, Delegation of Power, Categorisation of branches, Adhoc limits / TOD, Credit
Approval Committee, MCLR, Selective Credit Control,LTV Ratio, Gold loans, CRE Exposures, Infrastructure Sector Lending, Floating
Provisions, CIC, FPC for Lenders, Non fund based business – GTEE/LC, Other misc – JLF/MBA, Credit Syndication, CRILC, Non Fund
Based Business : BG/LC, Working Capital, Term Loan Appraisal,Mortgage, Charge Creation on Securities, Loan Documentation, Stamp
duty, Limitation & Registration of Loan Documentation, etc..
2. BALANCE SHEET ANALYSIS / FINANCIAL STATEMENT ANALYSIS
Assets, Liabilities, Balance Sheet Format, Profit & Loss Accounts, Terminologies, Ration analysis, Fund Flow, Cash Flow, Trends,
Working Capital Assessment Methods, NW,WCG,NWC, BEP, PV,NPV, IRR,DSCR,TL Appraisals etc..
3. PRIORITY SECTOR LENDING GUIDELINES : Targets and achievement, RBI Guidelines, Exclusions / non-achievement of
target ,RIDF / SIDF etc, Social infrastructure / Renewable energy, Exclusions, Common Guidelines of PS Loans, Weaker sections, etc.
4. AGRICULTURE : General Guidelines – Margin/inspection/processing charges, PMFBY, KCCs, Gold Loan, Kisan Tatkal ,Kisan
Suvidha, Kisan Mitra, kisan OD, Intt. Subvention, Development Loan ( Irrigation loan, Dairy loan etc ), Investment loans ( Farm
Machinery, ALLHV etc ), Agri Clinics, Agri Business, Lead bank, Service Area Approach, Farmers Club-NABARD,Other misc –
various Cultures ,Seasons : Rabi /Kharif ,Farmers Club, Lead Bank & Service Area Approach, Terminologies etc..
5. MSME : Micro, Small, Medium classification & definition, Mfg / service -investment in P&M /Equipment, CIBIL / CIC, MSME
Products, PMMY- MUDRA LOANS, CGTMSE, National Credit for Guarantee, Credit Guarantee Enhancement scheme for SC, Start up
India, Stand up India, Make in India, Bank Code for MSME,CGF for Micro Units, CGT for Stand up India, NEFS ,Revival &
Rehabilitation of Sick units, GCC,LUCC,WCC,SCC,TreDS etc.
6. FINANCIAL INCLUSION: Weaker Section, Credit to Minority Community, Micr Credit, SHG/JLG – Janashree Bima Yojana,
Shiksha Sahayog Yojana, Financial inclusion, PMJJBY,PMSBY, APY, Business Facilitators, Business Correspondent,Ultra Small
Branches, Financial Literacy etc
7. GOVT. SPONSORED SCHEME : PMEGP, DRI, DAY – NRLM /NULM. PMAY,CRGFT for Low Income Housing, Scheme for
Manual Scanvengers etc
8.RETAIL LENDING SCHEMES : General Guidelines, Retail Lending Schemes, HL schemes/ General Guidelines, HL – CRGFTLIH,
EL General guidelines / Schemes, EL – Credit Guarantee schemes etc
9.NPA & RECOVERY : NPA Basic Concept, Restructuring – Basic question, NPA Norms and Provisioning, Wilful defaulter / Non Co-
operative Borrower, Solvency & Bankruptcy Code Audits – Stress Audit / Credit Audit / Stock, Audit / RBIA, OTS related Schemes,
JLF,PCA, Revitalising NPA, Relief Measures for Natural Calamities, SARFAESI Act 2002, ARC, Sale & Purchase of NPA, Insolvency
& Bankcruptcy, Code 2016ARC/ARM, DRT, DRAT, Lok Adalat, Recovery Agents, Suit filing & Procedures for Recovery
D.FOREIGN EXCHANGE
FOREIGN EXCHANGE : Terminologies – definitions, NRE / NRO/ FCNR/RFC / EEFC- case study type one question, Remittances –
LRS Scheme, ECB / FCC, / Trade Credit, UCPDC 600, Exports – Realisation / Star exporters /PC/PCFC, Bill of ladings / other general
guidelines, Gold Card for Exporters, Imports – BEF LCs – types, Statements – GR follow up / XOS/BEF/R-return / Stat,
MTSS,RDA,OCI,IFSC BANKING UNITS,FTCA,MASALA BONDS,ECGC, FDI POLICY,FOREX DERIVATIVES,SUPPLIERS’/
BUYERS’ CREDTS,INCO TERMS, FATCA, EXIM Policy 2015-20, Foreign Direct Investment, Foreign portfolio Investment scheme,
IDR/GDR/ADR, Participatory Notes,Other Misc etc.
E. DIGITAL BANKING
DIGITAL BANKING & TECHNOLOGY: RTGS / NEFT, NEPAL Remittances, Terminology, MTSS, NPCI,PPI,
MICR,IFSC,UTR,AEPS,SWIFT,SFMS, POS,Cards – Debit / Credit / Intl Prepaid cards& various Cards, Basic of computer, Internet/
Mobile banking, UPI – empower, BHIM, All DIGITAL Products, Bharat Bill Payment system, Payment & settlement Act-2007,Speed
Clearing, Computer Audit, Computer security , committees on computerisation, Cyber law/IT Act 2000 etc.
F.GENERAL BANKING
GENERAL BANKING : BCSBI – term expansion / OSC credit /Complaints redressal/ Customer day, Quotinng of PAN No ,DD /
Cheque CTS specifications,Cash - General Guidelines / Remittances, Cash – Impounding & Counterfeit Detection, Cash – incentive /
Clean note policy / Star series notes, Commission in respect of Govt business, Door Step Banking / Safe Deposit lockers, Service Tax
aspects, AIR / Cheque drop facility, Service Charges – Local clearing, Tax related / TDS matters, Canara Public Grievance Redressal
system (CPGRS) / Customer Grievance handling mechanism – time norms / charter of customer rights/ customer committees,
Demonetisation process, Banking Ombudsmen / Internal ombudsmen, DICGC /CRS
G. STAFF MATTERS & OFFICIAL LANGUAGE
H. STATEMENTS & RETURNS
I.LATEST CONCEPT IN BANKING/ CURRENT BANKING & INDIAN ECONOMY

LATEST CONCEPT IN BANKING/ INDIAN ECONOMY , UNION BUDGET , RELATED TERMS, ALM, Risk Mgmt. & BASEL
NORMS,CRILC,Payments Bank/ Small finance Bank, Financial Market/Money market, Forward/Options /Swaps/Futures/Interest Rate
Futures, currency Futures /Derivative Products, CDR, Depository services – Demat, Treasury bills, Dated securities, Debt & Equity
Markets, Collateralized Borrowing ( CBLO), Infra Structure Finance Companies, Ways & means Advances, Certificate of deposits &
Commercial Papers, Fraud Reporting, Currency & Bank Note/Counterfeit Bank Notes, Currency Chest mgmt..,Gold monetisation,
Soverign Gold Bonds, PMGKDS, PMVVY, Banking Supervision & Rating of banks, BPC, Corporate Governance in Banks, Branch
authorization policy, Cross Sellings, Bancassurance,Insurance business by bank, Credit card business, Dividend policy, NBFC, NBFC-
MFIs, Asset Securitisation, Take out financing, Factoring/Forfaiting,Leasing, Merchant banking, SEBI & Capital Markets/ money
Markets,Masala bonds,Green Bonds,Inflation Index bonds, Sweat Equity, FIMMDA, Mutual funds, Depository System,
Dematerialisation, etc.
ASBA, Demat account, Crowd Funding, Peer to Peer Lending, Bank as fund manager, Forensic Audit, Statutory Auditors, GST, Cryto
Currency & Bitcoin, Stock Exchange, NIFTY/Sensex etc
2.PROMOTION TEST SYLLABUS & QUESTION PAPER ANALYSIS ( SUBJECT WISE ) FOR
LAST TWELVE YEARS (2007-2019)
S. Clerical Scale Scale Scale
N to 1 to 2 2to 3 3 to
o.
Topics /Subject/Syllabus ( No. of Questions)
Officer 4
A LAWS /ACT RELATED TO INDIAN BANKING 20-30 10-15 7-10 5-9
1. LEGAL ASPECTS/ BANKING LAW AND PRACTICE : RBI / BR Act, NI Act

– Holder / Holder in due course /Bill of Exchange : Case Studies , NI Act – Cheque 20-30 10-15 7-10 5-9
– validity / truncated cheque / digital signature, calculation of Due date/ National
Calendar (Saka Samvat)/ CTS 2010 std, Negotiation & Endorsement / Crossing,
Bank and customer relationship,Types of customers – Minor / Joint accounts – Case
study type, Operations in joint Account, Partnership – case studies/ Limited liability
partnership,Joint stock company - Pvt / public company – min/max numbers /
directors MoA/ Articles of Assn/ Certificate of incorporation / Certificate of
commencement / Charge creation related, Companies Act 2013 provisions, NCLT&
NCLAT, HUF / other provisions, Trust, Society, Clubs, associations,Executors,
Administrators,Insolvents, illiterate, Missing person, POA/LOA,COPRA,
Garnishee order / Attachment Order, Customer grievances Handling Mechanism –
Case study type, Kind of securities and relevant ACT Provisions, Lien / Set-off,
RTI ACT, Death Claim, Banker-Customer Relationship, banker Obligations, Set
off, Lien, Right of appropriation, Rule n Clayton’s Case, Immediate credit of
Instruments, Pass book entries-2017, Nomination facility & Legal representation,
IBA banking Practices guidelines, IBA Model Policy on Bank deposits, RBI-
Directives on Deposit rate of Interst, Model Compensation policy,
Inoperative/Dormant Accounts
B DEPOSITS 22-30 11-18 7-13 7-10
1. KNOW YOUR CUSTOMER (KYC) : KYC, KYC POLICY WITH LATEST

GUIDE LINES, CKYC,KYR,EKYC,OVD( Officially Valid documents), PAN No 6-10 3-5 2-4 2-3
related questions, AML,CTR ,STR,CCR, Risk Categorisation, Money mules
,transactions, BSBD A/cs/ Small Accounts etc..
2. CASA DEPOSITS – General Guidelines, Types of accounts, CASA Products and
various Products of CASAs, Nomination, Nomination process and claim settlement, 10-12 5-8 3-5 3-4
Status of the nominee / Minor as nominee / Relevant section of BR Act( Sec 45ZA
to ZF) ,Unclaimed deposits – DEAF, Govt. Small Saving Deposit Schemes (Senior
Citizens savings Scheme, PPF, Sukanya samriddhi a/c etc..
3. TERM DEPOSITS : TERM DEPOSITS – Procedural aspects as case study, RD /
RD Dhanvarsha / Other TD Products (KDR/FDR) Others – Rate of interest related , 6-8 3-5 2-4 2-3
TDS related questions etc..
C LOANS & ADVANCES 55-80 30-45 30-45 30-55
1. 1.GENERAL ADVANCES : CRM policy – Exposure, CRM Policy –Bench mark 10-20 3-5 5-7 7-11
ratios / Quick mortality / credit audits, Stock Audit, Legal Audit, MTR, Take over
norms, CRE, CIBIL /CIR- multiple CIRs, CERSAI ,Credit Risk Range, BASEL III,
Capital structure / components of capital structure, Risk weighted assets, Delegation
of Power, Categorisation of branches, Adhoc limits / TOD, Credit Approval
Committee, MCLR, Selective Credit Control,LTV Ratio, Gold loans, CRE
Exposures, Infrastructure Sector Lending, Floating Provisions, CIC, FPC for
Lenders, Non fund based business – GTEE/LC, Other misc – JLF/MBA, Credit
Syndication, CRILC, Non Fund Based Business : BG/LC, Working Capital, Term
Loan Appraisal,Mortgage, Charge Creation on Securities, Loan Documentation,
Stamp duty, Limitation & Registration of Loan Documentation, etc..
2. BALANCE SHEET ANALYSIS / FINANCIAL STATEMENT ANALYSIS 3-5 3-4 2-3 2-3
Assets, Liabilities, Balance Sheet Format, Profit & Loss Accounts, Terminologies,
Ration analysis, Fund Flow, Cash Flow, Trends, Working Capital Assessment
Methods, NW,WCG,NWC, BEP, PV,NPV, IRR,DSCR,TL Appraisals etc..
3. PRIORITY SECTOR LENDING GUIDELINES : Targets and achievement,

RBI Guidelines, Exclusions / non-achievement of target ,RIDF / SIDF etc, Social 5-10 3-5 3-5 2-4
infrastructure / Renewable energy, Exclusions, Common Guidelines of PS Loans,
Weaker sections, etc.
4. AGRICULTURE : General Guidelines – Margin/inspection/processing charges,
PMFBY, KCCs, Gold Loan, Kisan Tatkal ,Kisan Suvidha, Kisan Mitra, kisan OD, 6-10 5-8 4-7 4-7
Intt. Subvention, Development Loan ( Irrigation loan, Dairy loan etc ), Investment
loans ( Farm Machinery, ALLHV etc ), Agri Clinics, Agri Business, Matasya
Suraksha, Parirakshan /samiriddi, Other misc – various Cultures ,Seasons :rabi
/kharif ,Farmers Club, Lead Bank & Service Area Approach, Terminologies etc..
5. MSME : Micro, Small, Medium classification & definition, Mfg / service - 6-10 3-5 3-5 3-4
investment in P&M /Equipment, CIBIL / CIC, MSME Products, PMMY- MUDRA
LOANS, . CGTMSE, Credit Guarantee Enhancement scheme for SC, Start up
India, Stand up India, Make in India, Bank Code for MSME,CGF for Micro Units,
CGT for Stand up India, NEFS ,Revival & Rehabilitation of Sick units,
GCC,LUCC,WCC,SCC,TReDS
6. FINANCIAL INCLUSION: Weaker Section, Credit to Minority Community, 3-6 2-3 1-2 1-2
Micr Credit, SHG/JLG – Janashree Bima Yojana, Shiksha Sahayog Yojana,
Financial inclusion, PMJJBY,PMSBY, APY, Business Facilitators, Business
Correspondent,Ultra Small Branches, Financial Literacy etc
7. GOVT. SPONSORED SCHEME : PMEGP, DRI, DAY – NRLM /NULM. 5-8 4-5 3-4 3-4
PMAY,CRGFT for Low Income Housing, Scheme for Manual Scanvengers etc
8. RETAIL LENDING SCHEMES : General Guidelines, Retail Lending Schemes, 6-10 3-5 2-3 2-3
HL schemes/ General Guidelines, HL – CRGFTLIH, EL General guidelines /
Schemes, EL – Credit Guarantee schemes etc
9. NPA & RECOVERY : NPA Basic Concept, Restructuring – Basic question, NPA 10-12 3-5 5-8 5-8
Norms and Provisioning, Wilful defaulter / Non Co-operative Borrower, Solvency
& Bankruptcy Code Audits – Stress Audit / Credit Audit / Stock, Audit / RBIA,
OTS related Schemes, JLF,PCA, Revitalising NPA, Relief Measures for Natural
Calamities, SARFAESI Act 2002, ARC, Sale & Purchase of NPA, Insolvency &
Bankcruptcy, Code 2016ARC/ARM, DRT, DRAT, Lok Adalat, Recovery Agents,
Suit filing & Procedures for Recovery
D FOREIGN EXCHANGE 10-15 5-7 5-8 7-9
1. FOREIGN EXCHANGE : Terminologies – definitions, NRE / NRO/ FCNR/RFC 10-15 5-7 5-8 7-9
/ EEFC- case study type one question, Remittances – LRS Scheme, ECB / FCC, /
Trade Credit, UCPDC 600, Exports – Realisation / Star exporters /PC/PCFC, Bill
of ladings / other general guidelines, Gold Card for Exporters, Imports – BEF LCs –
types, Statements – GR follow up / XOS/BEF/R-return / Stat,
MTSS,RDA,OCI,IFSC BANKING UNITS,FTCA,MASALA BONDS,ECGC, FDI
POLICY,FOREX DERIVATIVES,SUPPLIERS’/ BUYERS’ CREDTS,INCO
TERMS, FATCA, EXIM Policy 2015-20, Foreign Direct Investment, Foreign
portfolio Investment scheme, IDR/GDR/ADR, Participatory Notes,Other Misc etc.
E DIGITAL BANKING & TECHNOLOGY 10-15 5-7 5-7 2-3

1. DIGITAL BANKING & TECHNOLOGY: RTGS / NEFT, NEPAL Remittances, 10-15 5-7 5-7 2-3
Terminology, MTSS, NPCI,PPI, MICR,IFSC,UTR,AEPS,SWIFT,SFMS,
POS,Cards – Debit / Credit / Intl Prepaid cards& various Cards, Basic of computer,
Internet/ Mobile banking, UPI – empower, BHIM, All DIGITAL Products, Bharat
Bill Payment system, Payment & settlement Act-2007,Speed Clearing, Computer
Audit, Computer security , committees on computerisation, Cyber law/IT Act 2000
etc.
Our all DIGITAL Products etc.
F GENERAL BANKING 20-30 15-20 10-15 7-12
1. GENERAL BANKING : BCSBI – term expansion / OSC credit /Complaints 15-20 8-15 7-10 5-9
redressal/ Customer day, Quotinng of PAN No ,DD / Cheque CTS
specifications,Cash - General Guidelines / Remittances, Cash – Impounding &
Counterfeit Detection, Cash – incentive / Clean note policy / Star series notes,
Commission in respect of Govt business, Door Step Banking / Safe Deposit lockers,
Service Tax aspects, AIR / Cheque drop facility, Service Charges – Local clearing,
Tax related / TDS matters, Canara Public Grievance Redressal system (CPGRS) /
Customer Grievance handling mechanism – time norms / charter of customer rights/
customer committees, Demonetisation process, Banking Ombudsmen / Internal
ombudsmen, DICGC /CRS
2. STAFF MATTERS & OFFICIAL LANGUAGE 2-5 2-3 1-3 1-3
3. STATEMENTS & RETURNS 2-3 1-2 1-2 1-2
G LATEST CONCEPT IN BANKING/ CURRENT BANKING & 10-12 3-7 3-7 5-9
INDIAN ECONOMY
1. LATEST CONCEPT IN BANKING/ INDIAN ECONOMY , UNION BUDGET , 10-12 3-5 3-7 5-9
RELATED TERMS, ALM, Risk Mgmt. & BASEL NORMS,CRILC,Payments
Bank/ Small finance Bank, Financial Market/Money market, Forward/Options
/Swaps/Futures/Interest Rate Futures, currency Futures /Derivative Products,
CDR, Depository services – Demat, Treasury bills, Dated securities, Debt & Equity
Markets, Collateralized Borrowing ( CBLO), Infra Structure Finance Companies,
Ways & means Advances, Certificate of deposits & Commercial Papers, Fraud
Reporting, Currency & Bank Note/Counterfeit Bank Notes, Currency Chest
mgmt..,Gold monetisation, Soverign Gold Bonds, PMGKDS, PMVVY, Banking
Supervision & Rating of banks, BPC, Corporate Governance in Banks, Branch
authorization policy, Cross Sellings, Bancassurance,Insurance business by bank,
Credit card business, Dividend policy, NBFC, NBFC-MFIs, Asset Securitisation,
Take out financing, Factoring/Forfaiting,Leasing, Merchant banking, SEBI &
Capital Markets/ money Markets,Masala bonds,Green Bonds,Inflation Index bonds,
Sweat Equity, FIMMDA, Mutual funds, Depository System, Dematerialisation,
etc.
ASBA, Demat account, Crowd Funding, Peer to Peer Lending, Bank as fund
manager, Forensic Audit, Statutory Auditors, GST, Cryto Currency & Bitcoin,
Stock Exchange, NIFTY/Sensex etc
GRAND TOTAL 185 100 100 100
1. For all scales promotion test : 100 questions except in Case of Clerical to officer, total no. of question is 200 out of which
185 questions from Banking Sector and remaining 15 questions from English Language test – Comprehension, Cloze test,
Common error, Antonyms/Synonyms), Please go through Memo no. 36/2018, 19/2015 dated 18.03.2015, 24/2016 dated
01.04.2016, 21/2017 dated 23.03.2017 & 35/2018 dated 25.06.2018.
3. HOW TO PREPARE FOR SBI TRAINING OFFICER EXAM
S. No of Mark per Total
No
Topics & How to Prepare Ques Ques mark
1. GeneralAwareness, KYC, Legal Issues : General Banking Products of other 20 0.50 10

Banks, important sections of Banking related acts, KYC guidelines etc (Don’t
over focus legal aspects).
2. GeneralBanking,Handling of customer grievances and preventive vigilance : 20 1.00 20

This section contains 4 practical situations in Bank and 5 objective questions
from each situation, identify the best option. (Focus on this section, it
carries highest mark per question and can contribute highest to your total
mark) To handle such questions get familiar with Preventive Vigilance
committee, customer service committee etc its frequency, who are the
committee members, action points etc. Whistle blower policy, action in case
of an anonymous complaint, deceased case settlements, customer
complaints handling, grievances redressal policy, BCSBI, Ombudsman etc.
Keep a positive approach towards customer service. Get familiar with case
studies on these areas. Keep a cool mind in Exam hall and select the best
option available based on these policies.
3. Product Knowledge: focus on Eligibility, Max. & Min, USP & Other features 20 1.00 20
4. CBS,IT Products and Information security : Get familiar with information 20 0.75 15
security manual. Information security practices, terminologies etc. CBS and IT
products used in our Banks
5. Alternate Channel Products : Go through booklet on Digital Products. Check 20 0.50 10
the latest changes in the product itself. Try to use all products so that you
can easily remember it all.
6. Financial results, Organizational structure etc : See latest summarized 20 0.25 05

presentation on financial results, recent changes in organizational changes
and general structure etc. (Carries least mark per question and in total
also.)
Total for objective : Qualifying marks 65% for General and 60% for SC/ST 120 80
Duration 2 hours
7 Essay on Banking related topics : Make some 8-10 points in important 1 of 3
Banking related topics. Don’t try to by heart it. This is valued manually write
neatly and legibly. Give spaces, paragraph etc, underline your main points.
( Max 250 words ).
Total Section II : Qualifying marks 65% for General and 60% for SC/ST
Duration 30 minutes 1 20
Overall Qualifying marks 65% for General and 60% for SC/ST Duration 150 121 100
minutes (2.5 hours)
3. LATEST CHANGES
(Please change your Answer as per latest changes)
RBI POLICY RATES AS ON 04.04.2019

RBI’s Monetary Policy Committee (MPC) at its meeting on 04.04.2019 decided to reduce the policy repo rate under the
liquidity adjustment facility (LAF) by 25 basis points to 6.0% from 6.25%with immediate effect. Reverse repo rate adjusted
to 5.75%, and the marginal standing facility (MSF) rate and the Bank Rate to 6.25%. These decisions are in consonance
with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band
of +/- 2 per cent, while supporting growth. GDP growth for 2019-20 is projected at 7.2%
CRR: 4.00% (15.02.2013), SLR : 19.00%

Overnight LAF (of NDTL) -0.25%, 14-days term Repo(of NDTL) -
0.75%
LAF/REPO RATE 6.00% (05.04.2019)
Reverse REPO 5.75% (05.04.2019)
MSF/Bank Rate 6.25% (05.04.2019)
INTEREST RATES on Small Deposits:

INSTRUMENT RATE OF INTEREST (1ST April 2019 to 30th June 2019)
Savings Deposit 4.0
5 Year Senior Citizen Savings Scheme 8.7
5 Year National Savings Certificate 8.0
5 Year Monthly Income Account 7.7
Public Provident Fund Scheme 8.0
Kisan Vikas Patra 7.7 (will mature in 112 months)
Sukanya Samriddhi Account Scheme 8.5
Note : IN APY MAXIMUM PENSION AMOUNT INCREASED FROM Rs.5000 to Rs.10,000 and Sukanya Samridhi yojna- minimum
Amt is Rs.250.
ECNOS One Year MCLR+ 525 Basis Point (Cir 200/16) Base Rate+5 %
Foreign Currency 12m LIBOR + 6.5% (IO/19/2010)
Base Rate 9.15% wef 07.04.2018 ( Cir 212/2018)
BPLR 14.45 % wef 01.01.2014 (669/2013)
Clean Rate Base Rate + 7=16.15 % , Highest MCLR+7%=15.70%
SB Rate 3.5 % wef 01.09.2017 for O/s Balance upto Rs. 50 lakhs
4.00 % w.e.f.01.09.201 for O/s Balance above Rs. 50 lakhs
INDIAN ECONOMY-IMPORTANT PARAMETERS

RBI's growth estimate for 2018-19 : 7.4%
GDP growth-2016-17 (revised estimate) : 6.7%
GDP@constant mkt prices (cr)2017.18 : 12985363
GVA@2011-12 basic prices (cr) 2017-18 : 11871321
GDP projected by Govt. for 2018-19 : 18722302
Fiscal Deficit Target (2018-19) 3.3% of GDP : 624276 cr
Revenue Deficit Target (2018-19) 2.2.% of GDP : 416034 cr
Wholesale Price Index : 3.2%
Money Supply (M3) expansion : 13.4%
Exports during 2016-17 : 274.0 bn, Apr- Nov18:Export $ 217.5bn$
Imports during (2016-17) : 379.6 Bn, Imports : 345.6 bn
Export target - 2017-18 (in $) : 310 bn
India's share in world merchandise export : 1.70%
India's currency rating (S&P) : BB Postv
India's external debt (Jun 2018) US $ : 514.4 Bn
Tax-GDP ratio (2014-15) : 9.93%
Per capita Income 2017-18 (Rs.) : 111782
Indian economy's ranking in PPP terms : 3rd Indian
Economy's ranking in world in value: 6th
The tenor linked MCLRs of the Bank shall be as under w.e.f. 7th April 2019 (195/2019) :
1. Overnight MCLR 8.30%
2. One-month MCLR 8.35%
3. Three-month MCLR 8.45%
4. Six-month MCLR 8.55%
5. One-year MCLR 8.65%
INTEREST RATES ON NRE TERM DEPOSITS WITH EFFECT FROM 05.04.2019 (Cir.192/2019)
Rate of interest (%)

Period of Deposit Less than Rs.2 Crore to less than
Rs.2 Crore Rs. 10 Crore #
1 year only 6.75 6.40
Above 1 year to less than 2 years 6.60 6.20
2 years It above to less than 3 years 6.60 6.20
8 years It above to 10 years 6.00 4.90
444 days (Canara Shikhar) 6.65 -NA-
555 days (Canara Shikhar) 6.70 -NA-
INTEREST RATES ON CANARA TAX SAVER DEPOSIT SCHEME W.E.F. 05.04.2019 (Cir.193/2019)
Period of Deposit Rate of Interest
5 Years 6.00%
Change of Bulk deposit definition from “Rs. 1 Cr and above” to “Rs. 2 Cr and above” as per revised RBI
guidelines.
Interim Budget 2019-20
Interim Budget 2019-20 was presented in Parliament today by the Union Minister for Finance, Corporate Affairs,
Railways & Coal, Shri Piyush Goyal. Besides having a major Scheme for the farmers, it provides tax sops and sets the
Developmental Agenda for the years to come.
A New Deal for 12 Crore Small and Marginal farmers with direct income support, a path breaking
Pension initiative for 10 Crore unorganized sector workers, exempting income up to Rs 5 lakhs from Income Tax, reforms in
stamp duty, highest ever budgetary allocation of Rs 3 lakh crore for Defence, record allocation of funds at Rs 58,166 crore
for North Eastern Areas, a new AIIMS for Haryana, single window clearance for Indian film makers at par with foreigners and
higher budgetary allocations for Education, Health, Infrastructure and for the welfare of weaker sections including Scheduled
Castes and Scheduled Tribes, a Separate Department of Fisheries for welfare of 1.5 crore fisherman are some of the major
highlights of the Interim Budget 2019-20.
Interim Budget 2019 Highlights
Highlights of Rural Outreach:
 Govt to allocate Rs 75,000 crore per year to support farmers' incomes
 Impact of Rs 20,000 crore in current fiscal year
 Vulnerable farmers to receive Rs 6,000 per year in three equal instalments
 Government to allocate Rs 60,000 crore for UPA’s flagship MNREGA in 2019/20
 Allocation of Rs 19,000 crore for construction of rural roads in 2019-20
For farmers:
 New Scheme- namely “Pradhan Mantri KIsan SAmman Nidhi (PM-KISAN)” to extend direct income support at the rate of
Rs. 6,000 per year to farmer families, having cultivable land upto 2 hectares is announced.
 Rs 6,000 per year assured income support for small and marginal farmers
 Farmers having up to 2 hectare of lands will get Rs 6,000 per year in three equal instalment. The scheme will be
effective from December 1, 2018.
 Interest subvention for farm loan takers: Farmers affected by natural calamities to get 2% interest subvention and
additional 3% interest subvention upon timely repayment .
 2% interest subvention to farmers who pursue animal husbandry, fisheries jobs through Kisaan credit cards
MSMEs : Rs 7011 crore (+7%)

 PM Shram Yogi Maandhan, to provide Rs 3,000 monthly pension to workers in unorganised sector after 60 years of age
through accruals made by monthly contribution of Rs 100, benefitting over 10 crore workers.
 According to the 2011-12 statistics, India had 47.41 crore workforce of which some 40 crore were in the
unorganised sector.
 Loan up to Rs.1 crore can now be obtained under 59 minutes.
 Businesses with less than Rs. 5 crore annual turnover, comprising over 90% of GST payers, will be allowed to file
quarterly returns.
 Single window clearance for film-making to be made available to Indian film-makers.
 Anti-camcording provision to be introduced to Cinematography Act to combat privacy.
 In last 5 years, minimum wages increased by 42 per cent under all categories of workers which is the
highest ever.
 15.56 lakh loans amounting Rs 7.23 lakh crore sanctioned under the Mudra scheme, govt. has sanctioned. More than
70 per cent of MUDRA yojana beneficiaries are women.
 India has become second largest hub of startups.
Income Tax reliefs:
 No tax for those whose taxable income is less than Rs 5 lakh
 Standard deduction increased to Rs 50,000 from Rs 40,000 for salaried class
 Direct tax collection at 12 lakh Cr INR in FY19 from 6.30 INR Lakh Cr in 2014.
 TDS threshold on rental income raised from Rs 1,80,000 to Rs 2,40,000
 No tax on bank interest upto INR 40,000
 INR 90,000 crore disinvestment target for next FY.
Tax exemptions on investments:

 Individuals with gross income up to 6.5 lakh rupees will not need to pay any tax if they make investments in provident
funds and prescribed equities
 TDS threshold for home rent increased from Rs 1.8 lakh to 2.4 lakh
 Interest income up to Rs 40,000 in post offices and banks made tax free
 Capital gains tax exemptions under Section 54 to be available up to Rs 2 crore. Capital gains exemption to be available
on 2 house properties
 Income tax relief on notional rent from unsold houses extended to 2 years from 1 year.
Defence Budget:
 Govt increases defence budget to over Rs 3 lakh crore. Govt will provide additional funds for Defence, if needed.
 Disbursed 35,000 crore rupees under #OROP scheme in the last few years.
Railways Budget:
 Rs 64,587 crore allocated to Railways for FY20.
 Railway's operating ratio seen 96.2% in FY19 Vs 95% FY20.
 Railway capex for FY20 set at record Rs 1.6 lakh crore.
For workers:
 Rs 3,000 per year pension for unorganised sector workers
 New Pradhan Mantri Shram Yogi Maandhan Yojana for unorganised sector workers with income up to Rs 15,000 per
month. Beneficiaries will get Rs 3,000 per month pension with a contribution of Rs 100 per month after retirement. Govt
allocates Rs 500 crore for the scheme
 Gratuity limit increased for workers to Rs 30 lakh.
Education Sector:
 National Education Mission allocation increased by about 20% to Rs. 38,572 cror in BE 2019-20
 25% additional seats in educational institutions to meet the 10% reservation for the poor
 10% reservation for the poor in educational institutions and government jobs
 EWS Reservation To ensure 10% reservation in educational institutions and Government jobs for economically weaker
sections, the Government will provide for 25% extra seats i.e. around 2 lacs, while maintaining the existing reservation
for SC/ST/Other Backward Classes.
Fiscal Deficit:
 For FY19, government has revised the fiscal deficit target to 3.4 percent in FY 19. Fiscal deficit for 2019/20 estimated at
3.4 percent of GDP.
 Government's stated commitment earlier was to bring down the fiscal deficit to 3.1 percent of GDP by the end of March
2020, and to 3 percent by March 2021
Nine priority sectors for government: To build next-gen infrastructure - physical as well as social;
1. To build a Digital India that reaches every citizen;
2. Clean and Green India;
3. Expanding rural industrialization using modern industrial technologies;
4. Clean Rivers - with safe drinking water to all Indians;
5. Oceans and coastlines;
6. India becoming launchpad of the world;
7. Self-sufficiency in food and improving agricultural productivity with emphasis on organic food;
8. Healthy India;
9. Minimum Government MaximumGovernance, with proactive, responsible and friendly bureaucracy.
Miscellaneous Highlights:
 Growth in the last 5 years has been higher than that by any other govt. Spent Rs 2.6 lakh crore in recap of PSU Banks.
 Domestic air traffic doubled in the last 5 years
 Over 90 percent of the country covered under sanitation coverage.
 In the past, false promises were made but we have taken targeted expenditure on all dimensions
 Ayushman Bharat, the world's largest healthcare programme, was launched to provide medical care to almost 50 crore
people, resulting in Rs 3,000 crore savings by poor families
 Lower costs of Stents & Knee implants have benefitted people. Government has announced 14 new AIIMS since 2014
 Loans worth Rs 7.23 lakh crore have been given under Mudra Yojana
 Monthly mobile data consumption has increased 50x in last 5 years; cost of data & voice calls in India is possible the
lowest in the world.
 Allocation for the north eastern region has been proposed to be increased to Rs.58,166 crore
4. RECALLED QUESTIONS OF CANARA BANK CLERICAL TO OFFICER 2015-18
A.RECALLED QUESTIONS OF CANARA BANK CLERICAL TO OFFICER EXAM DTD 12.08.2018
NI/BR/RBI Act
1.Not negotiable meaning
2.what is general crossing
3.Who can cross the cheque
4.cheque issued on 01/01/2017 with date as 31/03/2017 presented on 14/01/2017 can it be valid-Ante Dated
5.Dishonour of cheque bank is liable to
6. Cash DD restriction-20,000/-
7.Cheque amount diff in words n figure-Pay the amount in words.
8.Drawee writing on the back of the cheque-Endorsement
9.Which is not a material alteration-from option
10.Garnishee order –
11.Assignment on- Actionable claims
12. If Bank pays the amount before clearing of cheque then Bank is-Holder for Value
13.Material alteration-
14.Minor Contract act-
DEPOSITS
1. Floater to cover number of dependents-
2.Nomination cancellation-DA2
3.GST record preserve time-90 Months
4.A and B has a joint TD as E/S and X as nominee a dies who will get the amount on maturity- B
6. Under scss ex serviceman age concession-50 years
7.Pensioner life certificate submission last date-30Nov
8. bank customer relation in Safe Deposit Locker-Bailee Bailor
9.CASA Stands for -Current Account Saving Account
10. Premises rent for GST- 10 lac
11.PPF max amount-1.5 LAKH
12.Succsesion Certificate how much amount-
13.Signature in Nomination- no Signature(only for Thumb Impression 2 independent witness)
14.Total Debit in Small Saving Account in one month -10,000
15-e TDS filing-
TECH Products
1.Canara Bhim UPI new name- BHIM eMpower
2.Bhim referral extension date-31-03-2019
3. Classic debit card validity-10 years
4.Classic Prepaid Card Validity- 3year
5. Maximum mobile transfer amount in IMPS-2 Lakh(earlier 50 K)
6. For Bhim POS incentive Minimum transcation amount-25 Rs
7. For BHIM POS MDR- Min 2000
8. NEFT number of batches-23 half hourly batches
9.Minimu RTGS Amount- 2 Lakh
10. if RTGS is not credited in beneficiary account how much time it must be reversed-2 Hrs
11.Magstripe card extended -31.12.2018
12. upload limit in corporate credit card per day-50 lakh
13. Min NRE deposit validity-1 year
14. ATM transcation failure no of days of reversal-7 days
15. Canara helpline language – out of option Bengali
16. digital sign under which act- IT Act
17. cctv footage time period maximum-90 days
18.Code Use for interbank Transfer in NEFT -IFSC code
19.Canara Reward Point Validity-3 Year
20. Which channel is opened to lodge customer complaint- Website, phone banking, mobile Banking.
21.Credit Card Inactivity Charges collected after how much time-
22. E way bill amt-50,000/-
23.BHIM POS minimum eligible amount for incentive-
General Banking
1.Clayton rule-Right of Appropriation
2.DIGC insurance premium borne by- Bank
3.After how many years a missing person is declared dead- 7 Years from the date of FIR
4. Risk on selling 3rd party product- Reputational Risk
5.Present SLR -19.5
6. How much Interest on CRR- No interest
7.Counterfeit currency preservation- 3 Year
8.CAC sanction power of loan-
9.Last two digit after MICR in SB cheque
10.SB TD combined balance for medium risk- above 25 Lakhs-100 Lakh
11.NF 154 return customer to be marked-HIGH Risk
12.Small account validity-12 month
13.No frill account motive- Financial Inclusion
14.Why SB deposit is preferred over Fixed Deposit- Low cost
15.RD vs FD-In RD monthly instalments but in FD lump sump amount
16.How RBI injects liquidity in market-Repo
17.Question on fair risk-
18.Total monthly transaction in small account-10000/-
19. STR reporting time-7th days
20. GST RCM full form- Reverse Charge Mechanism
21.Aadhar number of digits-12
22. Succesion certificate from court amount
23.NPCI full form- National Payment Corporation of India
24. under RTI how many days reply time-30 days
25. New Marketing initiative for Retail Loan Scheme-I lead
26.What is made in operating cycle -current asset current liabilities
27.Mutilated note change upto what amount -5000
28.Under new Parameter High Risk Customer is SB+TD+Loan=100 Lakh
29.SB interest on below 50Lakh -3.5
30.ASBA-Application Supported by blocked amount
Staff Matters
1. Old car loan amt for officers- 6 Lakh
2. Mandatory leaves to be taken by workers-10 days
3. Officer staff DPN-8 Lakh
GENERAL ADVANCES
1. Why charge create to RTO- So That customer can not sale the vehicle without bank information
2.Bailment of goods- Pledge
3.what is mortgage-
4.Risk grades as per rating analysis-4
5. Before giving loan what you do- Credit Appraisel
6.Mortgage validity-12 years
7.DPN validity-3 years
8. EMT area in which property location- State Govt Notified Place
9. Credit Rating categories reduced -four
10.CRM -Customer Relationship Management
11. Loan upto 25000 branch sanction time-15 days
12. Company Charge Registration with – ROC
14. Govt account transaction failure max notification period-
15. DLCC comitee meeting time- Quarterly
16.Hypothecation cannot be done on -shares raw material process goods etc
17.Loan Against Demat Shares-20 Lakh
Balance sheet Analysis
1.Drawing power 5 lac Stock 6 lakh od 25% margin calculate DP-4.5 lakh
MSME and CGTMSE
1.Canara athithi maximum amount-10 Lakh
2.Canara sahay extension-31.03.2019
3. New MSME Portal Name- udyamimitra.in
4. CGTMSE claim period is- 3 Years
5. MSME small in service-
6.MSME small in Manufacturing-
7. CGTMSE coverage upto 5 Lakh-85%
8.NPA Risk Premium on CGTMSE of our bank-
9. After How much time of claim to CGTMSE not entertain the case-
10. MSME Vijeta-
AGRICULTURE
1. Upto how much amount lien is not required on land-1 Lakh
2. PAIS Scheme Company Associated-Bajaj Allianz
3. Short term crop loan fall NPA-2 crop season
4. Loans to Women Beneficiary-1 Lakh
Retail Lending
1.For Subsidy claim income criteria for OBC -8 lac
2. Security amount on jewellery appraisal-25,000
3.Under SC/ST for getting subsidy max amt of loan-15 Lakh
4. Vidya turant max repay-15 years
5. Education loan to be under priority sector-10 lakh
6.Subsidy period on education loan – Moratorium Period
7.EMI in retail loan what is deducted first -Interest
8. Padho Pradesh Eligibility-
NPA & RISK MANAGEMENT
1.Greening of borrower account means-Restructuring of accounts
2.Court to rule on NPA-
3.100% Provisioning on which account- Doubtfull 3
4.Person able to pay dues but not paying-Wilful defaulter
5. Convert a substand account to standard- After repayment of overdue amount
6. Fraud case involvement of staff reff to police- Above 10,000
7. Quick Mortality- 15 lakh and above NPA in 12 months
8. Tier 1 capital-Core capital
9.Risk Rating of Normal Risk- C2
10.Which factor is not under borrower control for being fall on NPA- Economic Changes
11. whitsle blower policy duration
12.Credit Limit not renewed for becoming NPA-180 days
FOREX
1. FATF-Financial Action Task Force
2. LRS max remittance in a fin year-USD 2,50,000
3. XOS statement- Xport Outstanding
4. Traveller card unused time period renewal amount-
5.UCP updated- UCP600
6. Diff b/w term loan n differed payment guarantee- Outlay of funds
7.FCNR B maximum time-5 years
8. LC by importer-
9. LEI for min -50 Cr
10.FCNR a/c Can be opened-former survivor
11.NRE a/c can be opened-F/S close relative
12. R Return submission time period-fortnightly
13.Foregin Students Accounts Max withdrawals if he has not given address proof-50,000
14.Max Inward remittance in Foregin Students Accounts -usd1000
English
1. 5 questions based on Passage/Comprehension
2. 5 questions based on spelling mistake/corrections
3. 5 questions based on common error/Spotting error
B. MEMORY BASED RECALLED QUESTION OF CLERICAL TO JMG -1 (OFFICER) DATED 13.05.2017
BANKING LAW AND PRACTICE

1 TO FILE SARFEASI THE AC SHOULD BE NPA
2 WHICH ONE IS NOT COURT SETTLEMENT MUTUAL SETTLEMENT
3 ABOVE WHICH AMOUNT SARFAESI IS APPLICABLE Rs. 1.00 lakh
4 LIMITATION PERIOD FOR MORTGAGE 12 years
5 CHQ VALIDITY IS DEFINED UNDER WHICH ACT? Section 138 of NI act (01.04.2012- 03 months
validity)
6 CHRG ON IMMOVABLE PROPERTY IS CALLED? MORTGAGE
7 STOCK OF A COMPANY SHOULD REG WITH? REGISTRAR OF COMPANY
8 EMT CAN BE DONE IN WHICH AREA? NOTIFIED AREA
9 VALIDITY OF MORTGAGE? 12 years
10 UNDER SARFEASI,....... 30 DAYS PRIOR NOTICE IS REQ FOR SALE
OF ASSETS
11 BAILMENT OF GOODS PLEDGE
12 CHARGE ON STOCK HYPOTHECATION
13 MAXIMUM AWARD BY OMBUDSMAN IN CASE OF CREDIT 1 LAKH
CARD
14 MISSING PERSON PRESUMPTION OF DEATH AFTER 7 YEARS
15 DIGITAL SIGNATURE UNDER WHICH ACT NI ACT SECTION 6
16 TRANSFER OF INTEREST IS APPLICABLE TO WHICH MORTGAGE PROPERTY
PROPERTY
17 CAN MINOR GET LOAN FROM BANK? NO
18 WHICH OF FOLLOWING IS NOT HYPO. SHARE
19 COURT ORDER, RECEIVED RELATION BANK IS CREDITOR, CUSTOMER DEBTOR
20 WHETHER MINOR’S GAURANTEE CAN BE OBTAINED IN NO
LOAN ACCOUNT
21 TIER 1 CAPITAL IS ALSO KNOWN AS CORE CAPITAL
CUSTOMERS AND THEIR ACCOUNTS / DEPOSITS & KYC
1 MAX DEPOSITS IN DHANVARSHA Rs 1,00,000/-
2 MIN BAL IN CAN CHAMP Rs.100/-
3 NRI CAN OPEN A/C WITH RESIDENTS YES
4 DIFFERENCE BETN RD AND FD RD IS A MONTHLY DEPOSIT SCHEEM WHILE FD
IS LUMPSUM DEPOSIT SCHEEM
5 MAX WITHDRAWAL PER MONTH IN SMALL AC 10000 & 4 - Transaction
6 MAX BAL IN CAN JUNIOR AC Rs.50000
7 NON COLLABLE DEPOSIT MINIMUM PERIOD 7 DAYS
8 WITHOUT PAN SENIOR CITIZENS TO SUBMIT FORM 15H
FORM.........FOR WAIVE FROM TDS
9 WITHOUT PAN MAX TXN AMT? Rs.50000
10 WITHOUT PAN TDS % IS? 20%
11 HOW MANY NUMBER IN AADHAAR 12
12 IN SAVING ACCOUNT CHEQUE ON RIGHT SIDE OF MICR ACCOUNT CODE
CODE WHICH NUMBER IS WRITTEN
13 MEANING OF FINANCIAL INCLUSION Inclusion of poor or excluded people in Financial
Sec.
14 IN CANARA GALAXY ACCOUNT MINIMUM AVERAGE Rs.50000 for freebies
BALANCE TO BE MAINTAINED?
15 KDR MAX TIME PERIOD 10 YEARS
16 RISK WEIGHTAGE OF INOPERATIVE ACCOUNT HIGH RISK
17 CHARGES APPLICABLE AFTER 4 WITHDRAWAL IN BSBDA Rs.10 PER TXN
ACCOUNT
18 MAXIMUM AMOUNT THAT CAN BE DEPOSITED WITHRAW Rs.10,000 PER MONTH OR MAX. Rs.100000 IN A
OR TRANSFER THROUGH SMALL SAVING ACCOUNT? YEAR
LOANS & ADVANCES INCLUDING BALANCE SHEET ANALYSIS
1 NTH OF CAN BUDGET LOAN 25%
2 MIN STOCK FOR DL , MARGIN 25%
3 IN A CC AC DP IS 7 LAKH, STOCK VALUE IS 8 LAKH, IF WHAT IS THE DP - 6 LAKH
MARGIN IS 25% ,
4 DIFFERENCE BETWEEN TERM LOAN AND DIFFER FUND BASED-TL & NON-FUND BASED -DPG
PAYMENT GUARANTEE
5 WHAT IS DEFFERED PAYMENT GUARANTEE GAURANTEE IS ISSUED WHEN PAYMENT
BY APPLICANT OF GAURANTEE IS TO BE
MADE IN INSTALLMENT OVER A TIME
6 VALIDITY OF DPN AGREEMENT 3 YEARS
7 TOOLS FOR MEASURES QUALITY OF LOAN. RISK RATING
8 WHAT TYPE OF GAURANTEE IS DPG? FINANCIAL GUARANTEE
9 BALACE SHEET ALWAYS REFLECTS POSITION OF FIRM ON PERTICULAR DATE
10 CC LIMIT IS 3 LAKH AND MARGIN 25% HOW MUCH 4 LAKHS
STOCK SHOULD BE THERE SO THAT DP IS EQUAL TO CC
LIMIT?
11 CDR LOAN 10 CR & ABOVE
12 PREPAID EXPANSIS IS A CURRENT ASSET ITEM
13 NEGATIVE WORKING CAPITAL CL IS MORE THAN CA ( CA-CL = -ve)
14 CONTINGENT LIBILITY PATENT, GOOD WILL ETC
15 GAURANTORS NET WORTH REVIEWS IN HOW MANY --
TIMES
16 STOCK OF A COMPANY SHOULD REGISTERED WITH REGISTRAR OF COMPANY
17 CC INTEREST CHARGED? MONTHLY
18 DSA – MAXIMUM COMMISSION 0.25% OF LOAN AMT OR MAX-Rs.50000.00 PER
LOAN
19 LTV RATIO LOAN /VALUE OF PROPERTY
20 CC LIMIT IS 8.00 LAKH MARGIN IS 25% AND STOCK IS 9*75/100 =6.75 LAKHS
9.00 LAKH THEN WHAT WILL BE DP
21 DPN MAXIMUM PERIOD ? 3 YEARS
22 DIFFERENCE BETWEEN DEFFERED PAYMENT GUARANTEE IN DPG- PAYMENT IS IN INSTALMENT
AND GUARANTEE
23 WHAT IS NET WORTH?
24 LOAN AGAINST LIC POLICY LINKED TO SURRENDER VALUE OF POLICY
25 WHILE SANCTIONING TERM LOAN WHICH ASPECTS YOU SUFFICIENT CASH FLOW FOR REPAYMENT
GIVE MAXIMUM IMPORTANCE? OF LOAN
PRIORITY SECTOR LENDING

1 PMFBY PREMIUM FOR COMMERCIAL CROP 5%
2 MAX CGTMSE COVERAGE AMT. 100.00 LAKHS
3 MAX LOAN WITHOUT SECURITY WITH CGTMSE 200.00 LAKHS
4 MSME SMALL SERVICE UNIT INVEST. IN. EQUIP UP 10 LAKHS TO 200.00 LAKHS
TO........
5 MSME SMALL MANUFACTURING UNIT INVESTMENT IN 500 LAKHS
P&M FROM 25 LAKH TO
6 CAN CANSUMER LOAN VALIDITY... 36 MONTHS BUT 48 MONTHS BY NHA
7 VALIDITY OF TIEUP WITH MAHINDRA AND MAHINDRA 29/01/2018
8 DICGC PREMIUM IS BORNE BY BANK
9 GOLD LOAN IS A TYPE OF PLEDGE
10 MEMBERS IN JLG FOR NRLM LOAN 4-10 EMBERS
11 MIN EDUCATION QUALIFICATION FOR PMEGP LOAN 8TH STD
ABOVE 10 LAKH
12 CGTMSE COVERAGE % UPTO LOAN 5 LAKHS 85%
13 SHORT TERM CROP LOAN BECOMES NPA IF INTEREST OR INSTALMENT IS OVERDUE
TO TWO CROPPING SEASONS
14 UNDER IBA SKILL LOAN SHCEME LOAN AMOUNT FOR -Rs. 20,000.00 FOR COURSE PERIOD UPTO
MOTOR VEHICLE TRAINING FOR 45 DAYS? 3 MONTHS
15 WHICH OF THE FOLLOWING IS AGRI MACHINERY LOAN TRACTOR/COMBINE HARVESTOR LOAN
16 Maximum CGTMSE RRBS ? Rs.50.00 LACS FOR RRB & FIs
17 PMFBY PREMIUM FOR RABI CROP 1.5%
18 MAXIMUM AMOUNT THAT CAN BE GIVEN TO PERSONS 15000.00
SUFFERING FROM NATURAL CALAMITIES UNDER
CANARA CONSUMPTION LOAN?
19 MAX. LOAN UNDER AGRICULTURE INFRASTRUCTURE Rs.100 CRORES PER BORRWER
20 MAX. LOAN UNDER ANCILLARY ACTIVITIES Rs.05 CRORES
21 LOANS TO CORPORATE SOCIETIES OF FARMERS Rs.05 CRORES - MAXIMUM
22 PRIORITY SECTOR TARGET OF RRBS 55%
23 CGTMSE AMOUNT COVER FOR MSME MICRO UNIT? UPTO 05 LAKHS – 85% & ABOVE 05 LAKH-
75%
24 WOMEN SHG UNDER NRLM IN RURAL AREAS ARE 7%
ELIGIBLE FOR ROI UPTO 3 LAKH LOAN ?
NPA, RECOVERY & PROVISION
1 RISK WEIGHT OF HL UPTO 30 LAKH LTV LESS OR EQUAL 35%
TO 80%
2 LPD FULL FORM LOAN PAST DUE
3 MIN DEFAULT AMT TO PUBLISH WILLFUL DEFAULTER IN Rs. 25.00 LAKHS
NEWS PAPER
4 25% OF OTS AMT SHOULD DEPOSIT WITHIN.......DAYS 15 DAYS
5 OTS SETTLEMENT IS NOT DONE WITHIN..........MONTHS, 12-18 MONTHS
FRESH SETTLEMENT IS REQUIRED
6 COURT ORDER, RELATIONSHIP BANKER & CUSTOMER BANK CREDITOR,CUSTOMER DEBTOR
7 PROVISION ON SECURED SUB STANDARD LOAN 15
8 LOK ADALAT MAXIMUM AMOUNT 20 LAKH
9 TIME PERIOD OF SUB STANDARD ACCOUNT 12 MONTHS
10 TIME PERIOD OF DOUBTFULL ACCOUNT 12 MONTHS TO 36 MONTHS
11 MINIMUM PERCENTAGE OF BID AMOUNT BY ARC TO BE MIN. 15%
IN CASH FOR CONSIDERATION OF ASSET AS
INVESTMENT IN BANK BOOK ?
12 WHICH OF THE FOLLOWING DOES NOT COME UNDER CAPITAL RESERVES
TIER 2 CAPITAL
13 WHAT IS AMOUNT OF REVALUATION RESERVES THAT 45% OF VALUE AT 55% DISCOUNT
BANKS CAN RECOGNIZE AS PART OF COMMON EQUITY
TIER 1 CAPITAL?
14 JOINT LIBILITY GROUP PER MEMBER MAX LOAN AMT? Rs. 15.00 LACS
GENERAL BANKING
1 MAX DEPOSITS IN PPF/YR Rs.150000/-
2 MIN TERM TO GET INTEREST IN SUKANYA SAMRUDDI 05 YEARS
3 CURRENT REVERSE REPO RATE 5.75%
4 RBI INDUCTS LIQUIDITY IN MARKET BY REPO RATE- @6.25%
5 BANK PD TO CUSTOMER BEFORE REALIZATION OF A CHQ. AGENT
BANK IS CALLED?
6 ACCT OPEN ON 1.1.17, CHQ DT. 31.01.17, CHQ PRESENT ON POST DATED CHEQUES
10.01.17, WHAT TYPE OF CHQ IT IS?
7 A AND B A/C OPEN FD IN NATURE E/S , NOMINEE IS X. A B
DIES BEFORE MATURITY, THE AMT CAN BE PD TO
8 IN DEPOSIT A/C CUSTOMER BANK RELATIONSHIP IS? CREDITOR-DEBTOR
9 DEPOSIT LOCKER BANK - CUSTOMER RELATIONSHIP IS? LESSOR/LICENSOR -
LESSEE/LICENSEE
10 IN A SINGLE COUNT IF ......PIECES OF COUNTERFEIT NOTES 04 OR MORE
IS FOUND REPORT TO POLICE
11 HINDI REGION C 55%
12 % HINDI NOTING IN REGION A 100%
13 IF CROSSING IS NOT MADE BY DRAWER, WHICH TYPE OF GENERAL
CROSSING CAN BE MADE BY HOLDER?
14 COURT ORDER, BANK.........,CUSTOMER DEBTOR CREDITOR
15 SLR 19.50%
16 CRR 4%
17 REVERSE REPO RATE 6.00%
18 IN PHASE II__________ CIRCLES AND 99 RO ARE MADE ?
19 WHICH IS NOT A MATERIAL ALTERATION IN CASE OF A STRIKE THE ORDER AND MARKING AS
CHEQUE? BEARER.
20 EX – EMPLOYEES TOTAL TRAINING
21 PERCENTAGE OF COMPUTERS PURCHASED IN REGION C ARE HINDI
TO ENABLED WITH?
22 DICGC PREMIUM BORN BY BANK
23 HINDI LETTER REGION C TO REGION B 55%
24 CUSTOMER MEETING 15TH OF EVERY MONTH
25 HINDI MEETING QUARTERLY
26 STAFF MEETING MONTHLY ALLOWANCE RS.20 PER HEAD
27 SR. MANAGER RETIREMENT PERIOD LEFT 4 MONTHS, A LOAN NO (BEFORE 6 MONTHS RETIREMENT,
PROCESS COMES IN REGARD CAN HE PROCEEDS THE SAME HIS POWER SEAS)
LOAN
28 CAPITAL ADEQUACY RATIO CRAR
29 IN A CHEQUE COMES FOR CLEARING IF AMOUNT IN FIGURE AMOUNT IN WORDS TO BE PAID
AND WORDS DIFFER
30 NOMINEE IN WHICH OF THE FOLLOWING ACCOUNTS NOT PARTNERSHIP ACCOUNT,
OBTAINED UNREGISTERED BODY,COMPANY
ACCOUNT,LLP AND HUF
31 MEANING OPERATIONAL RISK loss due to inadequate or failed processes,
people and system
32 WHEN THE CHEQUE IS CROSSED NOT NEGOTIABLE WHAT IT CAN NOT BE TRANSFERRED TO
DOES THAT MEAN OTHERS OR NEGOTIABLE
33 SECURITY VISIT IS IN HIGH RISK BRANCH
34 FINANCIAL INCLUSION BRANCH PURPOSE SMALL DEPOSITS & LOAN ACCUNTS
35 WHAT IS THE ROLE OF BC IN BRANCH FINANCIAL INCLUSION –DEPOSIT &
SMALL LOANS
36 HOW MANY DIRECTORS IN CO? PRIVATE 2-100 & PUBLIC 7- NO
CEILING
37 WHAT IS ROLE OF MARKETING OFFICER MARKETING OF OUR PRODUCTS &
BUSINESS
38 WHICH IS NOT A HINDI REGION A? PUNJAB
39 BANK RATE? 6.25%
40 SAVING ACCOUNT RELATIONSHIP BETWEEN BANK AND DEBITOR AND CREDITOR
CUSTOMER
41 WHILE PAYING BEARER CHEQUE SIGNATURE IS OBTAINED FOR AMOUNT RECEIVED
ON THE BACK SIDE OF CHEQUE?
42 PENSIONERS MAINTAIN MIN. AVERAGE BALANCE THE LOCKER 50%
RENT REDUCE TO
FOREIGN EXCHANGE
1 R RETURN IS SUBMITTED TO RBI
2 R RETURN IS SUBMITTED TO RBI IN WHAT INTERVALS FORTNIGHTLY
3 FCNR TD MAX TERM 05 YRS FOR ALL CURRECIES
4 UPC 600
5 WHAT IS CRYSTALISATION TO REDUSE ITS FOREIGN CURRENCY
RISK IN CASE OF OVERDUE EXPORT
BILL.
6 NOSTRO ACCOUNT OUR ACCOUNT IN FC WITH YOU
7 RFC IS WHICH TYPE OF ACCONT CURRENT ACCOUNT
8 IMPORT LC ISSUE TO WHOM IMPORTER OR BUYER OF GOODS
9 SPOT RATE T+2 DAYS
10 IMPORT LC ISSUED TO WHOM? SELLER OF GOODS
11 WHEN NO TIME OR DATE IS MENTIONED ON BILL OF 30 DAYS
EXCHANGE, WHEN IT WILL BE PAYABLE?
DIGITAL BANKING
1 ASBA FULL FORM APPLICATION SUPPORTED BY
BLOCKED A/C
2 UPI FULL FORM UNIFIED PAYMENT INTERFACE
3 VPA FULL FORM VIRTUAL PAYMENT ADDRESS
4 MIN RTGS AMT Rs.2 Lac
5 MIN NEFT AMT Rs. 1.00 – NO MINIMUM AMT AS IN
RTGS
6 MIN WITHDRWL BY ATM IN SMALL AC Rs.100
7 CAN PLATINUM CARD INSURANCE FOR SELF/SPOUSE RANGE 4.00 LAKHS
FROM 2 LAKH TO......
8 WHICH CANOT BE DONE IN CAN SWIPE FROM OPTIONS ---
9 IN SAS TECH SUPPORT HOW MUCH DOCUMENTS CAN BE --
UPLOADED?
10 RECORDING IN DVR (REAL TIME VIEWING) FOR HOW MANY 90 DAYS
DAYS?
RETAIL LENDING
1 COMMISSION TO DIRECT SELLER @0.25%, MAX OF RS.50,000.00 PER LOAN
RS............/- PER LOAN
2 VIDYA TURANT LOAN AMT TO IIM STUDENTS? Rs. 25 LACS
3 REPAYMENT PERIOD OF CAN PENSION LOAN, AGE BELOW 65 72 ONTHS
YRS.
4 RETAIL LENDING SCHEME FOR DEFENCE PERSONAL ETC IS 06 MNTHS
VALID UPTO DATE?
5 WITH HOW MANY AGENCIES OUR TIE UP HAS BEEN 05
RENEWED ?
6 CANARA BUDGET LOAN MARGIN NIL
7 ROI FOR CAN BUDGET MCLR + 4.30% / 5.30%
8 HL ABOVE 30 LAKH UPTO 75 LAKH MARGIN AMOUNT 20%
9 FOR HOW MUCH PERIOD SUBIDY IN EDUCATION LOAN IS TILL MORITORIUM PERIOD
GIVEN
10 TIE UP WITH MAHINDRA TILL JAN 2018
( NOTE : ABOVE RECALLED QUESTIONS DEFINITELY HELP YOU IN JUDGING YOURSELF TO DECIDE WHAT & WHERE TO
START AND HOW TO PREPARE FOR THE EXAMINATION )
C.RECALLED QUESTIONS: CLERICAL TO OFFICER 2015 & 2016
BANKING LAW ( NI/BR / RBI ACT)

1. Dishonor of cheque : Covered under which section: Sec 138 of NI Act
2. If a cheque is dishonoured due to insufficient funds, the holder should issue notice to drawer within _____ days of receiving
notice of dishonor as per Sec 138 of N.I. Act. Ans: 30 days
3. Payment in due course section: Sec 10 of NI Act
4. In SARFAESI Act ___ days notice is to be given for acquision of assets : Ans: 60 days
5. In BANKING OMBUDSMAN scheme, if any person is not agreed with award can approach appellate authority in how many
days: Within 30 days of award
6. Who is internal ombudsman : Chief Customer Service Officer (Retd. GM of other bank can be appointed as internal
ombudsman)
CUSTOMERS & THEIR ACCOUNTS- DEPOSITS & KYC
1. What is the periodicity of Review of Risk Rating of Accounts: Once in 6 months ie 15th May and 15th November
2. Which comes under high risk : a)salaried people b)Govt Dept. c) Co Op Socieies d) NGO receiving funds Ans: D
3. How many members can open jointaccount : Ans: 4
4. Which of the following is allowed Nomination facility:Trust / Sole Proprietor / Pvt Ltd company / None of the above Ans:
Sole Proprietor
5. Right to Set off: Right to appropriate different accounts of same customer
6. Lien: Right to Retain securities for repayment of loan.
7. Loan against goods as security: Pledge / Mortgage/Assignment/None Ans: Pledge
8. Low Risk Category KYC in how many years: Ans: Once in 10 years
9. CUSTOMER OD A/C HAS OVERDRAWN RS 2000/-. SAVING A/C HAS BALANCE RS 3000. THE BANK ADJUSTS THE OD A/C BY
WHICH RIGHT. LIEN/SET OFF/ APPPROPRIATION : Right to Set off
10. RELATION BETWEEN BANK N JUDGEMENT DEBTOR: DEBTOR & CREDITOR
11. RIGHT OF CREDITOR TO REATIN THE POSSESSION OF GOODS N SECURITY BELONGING TO THE DEBTOR TILL THE DEBT
DUE TO HIM ARE PAID?: PLEDGE
12. OD ACCOUNT RELATIONSHIP BETWEEN BANK AND CUSTOMER...CREDITOR AND DEBTOR.
13. LOW RISK CATEGORY CUSTOMERS PHOTO PROOF OF ADDRESS AND PROOF OF IDENTITY TO BE OBTAINED ONCE IN 10
YEARS
14. Mr Ram who is payee of the cheque, puts his signatures on the back of cheque and above his signatures, he writes the
words “Pay to Mr Mohan”. This process is called: Ans: Endorsement.
15. As per KYC norms, what is the periodicity for review of risk categorization of customers: Ans: 6 Months
16. A cheque signed by agent is presented for payment after his(agent) death. What should the bank do: Ans: The cheque
will be paid if otherwise in order, dated prior to death
17. In which of the following accounts, Nominee is maintained: a) safe custody articles b)deposit accounts c)Locke accounts
Ans: All
18. What is the relationship between a Bank and Customer in case of Deposit Account: Ans: Debtor(Bank)-Creditor(Customer)
19. As per PMLA (KYC guidelines), preservation of records required after closing the account is: Ans: 10 years
20. What is the periodicity for updation of KYC data in respect of Low Risk Customers: Ans: once in 10 years
21. Role of Introducer in SB account: Ans: Identification
22. Rule in Clayton Case – which right applies: Ans: Set off
23. Relation of Banker and Customer in case of collection of cheque: Agent and Principal
LOANS & ADVANCES INCLUDING BALANCE SHEET ANALYSIS
1. Bank guarantee comes under: Contingent Liability
2. In turnover method….%of projected turnover is permissible bank finance: 20%
3. Current ratio is: Liquidity Ratio
4. What is the purpose of Balance Sheet: To assess the position as on a particular date.
5. THE APPRAISAL OF DEFERRED PAYMENT GUARANTEE IS SIMILAR TO - TERM LOAN
6. TIER I CAPITAL ALSO KNOWN AS – CORE CAPITAL
7. CAPITAL ADEQUACY RATIO RELATED TO? : CRAR
8. While sanctioning Term loan, which aspects you give maximum importance?: Ans: Sufficient cash flow for repayment of
loan.
9. What is the Risk Weight for Secured Staff Loan Account for the purpose of capital adequacy? Ans: 20%
10. What is Pari-Passu Charge when loan has been sanctioned by more than one bankinconsortium?: Ans: In case of default,
the sale proceeds of security will be shared in the ratio of outstanding within sanctioned limits.
11. The maximum credit exposure for individual non corporate borrowers - Individual borrowers for personal loans for Non
business purpose (Other than schematic loans) : Ans: Rs.10 crores
12. What is the minimum amount of Loan under Corporate Loan Scheme: Ans: Rs.10.00 crores
13. As per prudential exposure norms, the maximum quantum of loan to a Single Corporate Borrower: Ans: 15% of bank’s
capital
14. Standby LC is similar to: Ans: Bank Guarantee
15. In a Loan Account, Borrower died. What is the role of guarantor. Ans: to pay the liability
16. Green clause LC provides: Ans: Authorises the nominated bank to give advance payment for Warehousing and Insurance
Charges
17. Long Term Assets are procured by Short Term Liabilities. What type of Risk involved: Liquidity
18. ________ provides credit history of customers. Ans: CIBIL
PRIORITY SECTOR LENDING
a. Agriculture ,b. MSME c. Govt. sponsored scheme & financial inclusion
19. In Agriculture Advances, no margin is required up to what amount: Rs.1.00 lakh

20. Agriculture Loan Application of above Rs.25000/- disposal by CO: within 45 days
21. Agri-clinics and Agri-business comes under : Agriculture
22. Maximum amount in krishi mitra credit card : Rs.50,000/-
23. Quick mortality amount: Rs.5.00 lacs and above
24. Command area : Upto 16 kms
25. For opening KOD how many years satisfactory dealings required : Agriculturist with 1 year satisfactory dealings
26. After giving 2%interest subvention, banks charge how much rate of interest for agricultural crop loans: 7%
27. CGTMSE coverage amount up to : Rs.200.00 lacs
28. ECGC cover up to : 90% for SSIs, 75% for set limits, 65% for above set limits, 50% for Iron Ore commodity)
29. IRDF regulates: Insurance Companies
30. Small farmer means : Land holdings above 1 hectare upto 2 hectares(5acres)
31. In natural calamity, crop loss minimum ___ % for re phasing Agricultural loans: Ans: 33%
32. Target for Agriculture underPriority Sector : 18% of ANBC
33. Weaker section target ___%of ANBC : 10%
34. In PMEGPEDP training reduced from 14 to 3 days for : Manufacturing units upto Rs.5 lacs, Service units upto Rs.3 lacs.
35. Revolving fund in NLRM maximum: Rs.15,000/-
36. Maximum amount in service sector under MSME Small Enterprises: Rs.10.00 crores
37. Maximum ceiling of investment in Plant and Machinery, amount under micro manufacturing units: Rs.25.00 lakhs
38. What is the basis for loan amount, while granting loans on the security of LIC policy: Surrender Value
39. Individual Women beneficiary under Weaker Section, loan amount upto: Rs.1.00 lakh
40. What are the new categories under Agriculture: Agriculture Infrastructure, Agricultural Ancillary Activities.
41. CC LIMIT 4LACS. STOCK 6 LACS . MARGIN 25 % . WHAT IS DRAWING POWER?: 4.5 LACS
42. LOANS TO FARMER AGAINST PLEDGE/HYP OF AGRI PRODUCE ( PRODUCE LOAN) - Rs. 50 LAKH Under Priority Sector
43. WHAT IS THE NORMAL STRENGTH OF SHG UNDER NRLM – 10-15 PERSONS
44. IN KCC INSURANCE PREMIUM BORNE BY BANK AND CUST IN RATIO OF – 2:1 ( 10:5)
45. WHAT IS THE VALIDITY PERIOD OF KCC - FIVE YEARS
46. INSURANCE AMT IN KCC FOR PARTIAL DISABILITY – RS 25000 ( DEATH & PERMANENT Disability – Rs. 50,000)
47. UNDER CGTMSE LIABILITY UPTO 5 LAC HOW MUCH COVER AVAILABLE TO MICRO ENT: 85% ( 4.25 lacs)
48. PROVISION REQUIRED FOR AGRI & SME SECTOR FOR STANDARD ASSET – 0.25%
49. UNDER CANARA UNNATI MAX LOAN AMT: Rs. 100 lacs
50. FEATURES OF NATIONAL AGRICULTURAL INSURANCE?: CROP DAMAGE COVERAGE
51. MAX NUMBER OF PERSONS IN JLG? : 10 ( 4-10 )
52. MAX PEOPLE IN SHG? : 20 ( 10-20 )
53. MAX AMT / REPAYMENT PERIOD IN MATSYA PARIRAKSHAN? : 50,000 / 35 MONTHS
54. FOR LOAN AGAINST SECOND HAND VEHICLES HOW OLD THE VEHICLE SHUD B TO AVAIL THE SAME? :5YRS
55. IN SME SMALL SERV INVT IN EQUIP UPTO Rs. 200 LACS
56. INTEREST SUBVENTION FOR AGRICULTURE?: 2% & ( also additional 3% for prompt Payment)
57. NO COLLATERAL SECURITY IN SME UPTO? : Rs. 100 lacs
58. JOINT LIABILTY GROUP PER MEMBER MAX AMT? : Rs. 50,000 per person
59. UPTO 5 LACS GUARANTEE COVER TO MICRO ENTP? : 85%
60. MAX. LOAN TO FARMER FOR DIRECT AGRILCULTURE ? : NO LIMIT DEPENDS ON ELIGIBILITY
61. UNDER PRIORITY SECTOR LOAN TO DEALERS IN FERTILISERS, CATTLE FEED, POULTRY MAX AMT? : Rs.500 LACS - NOW
CLASSIFIED INTO MSME SERVICE / MANUFACTURING BUT NOT IN AGRIL
62. LOAN TO CORPORATES DIRECT AGRIL UNDER PRIORITY SECTORS ? : Rs. 200 lacs / Two crores – NOW CLASSIFIED INTO
MSME SERVICE / MANUFACTURING BUT NOT IN AGRIL.
63. NO COLLATERAL SECURITY IN AGRI. AMT? : Rs. 1.00 lacs ( For KCC – Rs. 1.50 lacs, Satisfactory dealing : Rs.1.25 lacs, Tie
up arrangements : Rs.3.00 lacs )
64. BASE RATE TO BE REVIEWED BY BANK ? : QUARTERLY BASIS
65. FAMILY INCOME OF BORROWER FOR DRI IN URBAN AREAS?: Rs. 24000.00 ( Rural : Rs. 18000.00)
66. WHO CANNOT BECOME A PARTNER?: HUF
67. WHEN NO TIME OR DATE IS MENTIONED ON BILL OF EXCHANGE, WHEN IT WILL BE PAYABLE: ON DEMAND
68. LOAN UPTO 25000/- APPLICATION TO BE PROCESSED IN? : two weeks
69. GOLD CREDIT CARD MIN AND MAX LIMIT... Rs. 50000/- AND Rs. 25,00000/
70. GUARANTEES NOT ISSUED FOR ---- MORE THAN 10 YEARS
71. CANARA KISSAN OD TO FARMERS HAVING SATISFACTORY DEALINGS... FOR 1 YEAR
72. DISPLAY OF HYPOTHECATION BOARDS NOT INSISTED ....FOR LOANS UPTO RS.25000/
73. FINANCE TO 2ND HAND VEHICLES NOT BE MORE THAN five years
74. NULM SCHEME MAXIMUM PROJECT COST For --Individuals – Rs. 2.00 lacs & Group: Rs. 10.00 lacs
75. REPAYMENT TERM FOR MEDIUM TERM LOAN : 36 to 84 months
76. WORKING CAPITAL = 12 CURRENT LIABILITIES 60 . CURRENT RATIO IS CURRENT ASSETS / CURRENT LIABILITIES =
72/60=1.20
77. LOAN GRANTED FOR SHORT DURATION CROPS WILL BE NPA IF OVERDUE FOR - 2 CROPPING SEASONS
78. FOR CROP LOANS UPTO 3 LACS INTEREST SUBVENTION TO FARMERS REPAYING LOANS PROMPTLY
79. LOANS TO DISTRESSED PERSONS TO REPAY DEBTS TO NON INSTITUTIONAL LENDERS...MAX Rs.50000/
80. RISK COVERED BY RKBY....DAMAGE TO CROPS
81. DRI INTEREST....4% PER ANNUM SIMPLE
82. BALANCE SHEET SHOWS ...WHAT A FIRM OR COMPANY OWES AND WHAT THEY OWN
83. CALCULATION OF INTEREST IN LOAN ACCOUNT... MONTHLY
84. AL LHV MARGIN – 10 PERCENT.
85. A loan granted for short duration crops will be treated as NPA if the installment of principal or interest thereon remains
overdue for ________ Ans: Two Crop Seasons
86. As per Nayak Committee working capital cycle in general case: Ans: 3 months
87. How much Loan amount can be sanctioned without collateral security to group under NRLM?: Rs 10lac.
88. CIBIL’s CIR is to be obtained for consumer accounts with credit limits of Rs.______ and above for Priority Sector advances.
Ans: Rs.2.00 lacs – NOW AGRIL Rs. ONE LAKH & ABOVE & MSME Rs. 3.00 LACS.DIR, Staff, VSL exempted.
89. In which of the following 3 pillar concept is maintained: a) Basel I b) Basel II c)Basel 3 Ans: Basel-II
90. What is the coverage amount in Micro Insurance under Sampoorna Kavacha Plan: Ans: Rs.30,000/-
91. What is the maximum amount of Gold Loan given under Agriculture: Ans: Rs.3.00 lakhs
92. What is the limit of land in case of Marginal Farmers: Ans: 2.5 acres dry land or 1 acre wet land
93. Full form of LTV: Ans: Loan To Value
94. What is the maximum loan amount eligible under Canara Mortgage: Ans: 50% of Land & Building
95. Definition of Medium Term Loan: Ans: Repayable in 36-84 months
96. What is the maximum quantum of Loan that can be considered for purchase of Agricultural Land. Ans: Rs.10.00 lakhs
97. What is target for Agriculture out of ANBC. Ans: 18% of ANBC
98. As per recent guidelines of RBI, Loans granted to Small/Medium Enterprises upto Rs._____ crores considered under
Priority Sector. This facility is restricted for loans granted upto 31-03-2014 only. Ans: Rs.10.00 crores – NOW WEF
23.04.2015 – MSME PRIORITY.
99. What is the insurance scheme for financial loss caused to crops due to adverse weather conditions: Ans: Weather Based
Crop Insurance Scheme
100. What is the quantum of revolving fund under NRLM. Ans: Min. Rs.10,000/- and Maximum Rs.15,000/-
101. NRLM has a provision for interest subvention, to cover the difference between the Lending Rate of the banks
and_____%, on all credit from the banks / financial institutions availed by women SHGs, for a maximum of Rs.3,00,000 per
SHG. Ans: 7%
102. The limit of loans to farmers against Pledge/Hypothecation of Agricultural Produce (including warehouse receipts)
and the period: Ans. Rs.50.00 lakhs and 12 months
103. Basel 3 implementation to be completed by: Ans: 31-03-2019
104. While sanctioning Gold Loan for other than Agriculture purpose, what is the maximum percentage of Gold Value is
sanctioned as loan: Ans: 75% of appraised value
105. What is the target for Priority Sector in a Commercial Bank. Ans: 40% of ANBC
106. Loans sanctioned to dealers in Cattle Feed and Poultry Feed upto Rs.____ considered under MSME SERVICE. Ans:
Rs.5.00 crores
107. Loans to distressed persons other than farmers, for repayment of their debt raised from non institutional lenders,
upto Rs.______ is considered under Priority Credit. Ans: Rs.1,00,000/-
108. Qualification for PMEGP project cost of more than Rs.10 lakhs under manufacuturing activity. Ans: 8th standard
109. A truck is financed by Bank. Lien noted by. Ans: RTO office
110. RIDF is maintaining by: Ans: NABARD
111. Financial Inclusion Means: Ans: Providing financial services to poor at an affordable cost
112. Debt Equity Ratio is useful for appraisal of ____ loans. Ans: Term Loan
113. Tangible Net Worth arrived by_____: Ans: Net worth minus Intangible assets
114. What is the rate of Annual Guarantee Fee payable to CGMSE in case of SME loans granted to other than
women/North East. Ans: 1% (for others)
115. Bank loans to any governmental agency for construction of dwelling units or for slum clearance and rehabilitation of
slum dwellers subject to a ceiling of Rs._____ lakh per dwelling unit, can be classified under Priority Sector –Housing. Ans:
Rs.10.00 lakhs.
NPA & RECOVERY MANAGEMENT
7. Limitation period for executing decree is _____ years from the date decree becomes executable. Ans: 12 years
8. What the period of NPA in Sub Standard Category: Ans: 12 months
9. What is the percentage of provision on Unsecured Portion in an NPA account of 18 months old. Ans: 25% (since it is DA1
category)
10. LIMITATION OF DEMAND PROMISSORY NOTE?: three years
11. PROVISIONG OF DOUBTFUL L ASETS FOR 12 MONTHS TO 3 YEARS?: 40% ( But deficit portion – 100%
12. BANK CAN SELL NPA AFTER IT HAS REMAIND IN ITS BOOKS FOR? : Discretion of Banks
13. LOAN TREATED DOUBTFUL ... AFTER 12 MONTHS OF BECOMING NPA
14. NPA ACCOUNT WILL NOT BE CONSIDERED AS WILFUL DEFAULT... IF DUE TO ECONOMIC RECESSION.
15. LOK ADALAT... Rs.20 LAKHS
16. LPD ABOVE WHAT AMOUNT TO HO : Rs. 100 lacs / one crore
17. SMA 0 SPECIAL MENTION ACCOUNTS ---PRINCIPAL OR INTEREST NOT OVERDUE FOR MORE THAN 30 DAYS BUT
ACCOUNT SHOWING SIGNS OF INCIPIENT STRESS
18. In which assets provision does not apply- Standard, Sub standard, Doubtful, Loss: Ans None of these as it is applicable in
all cases.
19. For enforcing right under SARFEASI, the account should be of what type?- NPA, Standard, Loss Asset, Doubtful asset, : Ans
NPA
20. Where Equitable Mortgage by Deposit of Title Deeds is created?: Ans: By depositing title deeds at Notified place, notified by
state Govt
21. DRT minimum amount: Rs.10.00 lacs
22. Lok-adalath maximum amount : Rs.20.00 lacs
23. In standard assets, provision for others : 0.40%
24. For restructuring, what type of assets are eligible : Standard, Sub Standard and Dobtful Assets
25. ORMS: Operatonal Risk Management System
26. Limitation for DPN : 3 years
27. CRAR : Capital to Risk Weighted Assets Ratio
28. LIMITATION PERIOD FOR MORTGAGE – 12 YEARS
29. UNDER EUITABLE MORTGAGE BY WAY OF DEPOSIT OF TITLE DEEDS THE PROPERTY MUST BE SITUATED WHERE? :
Places notified by state govt.
30. UNDER SARFAESI CASES INCLUDE WHER OUTSTANDING LIAB IS – ABOVE 1 LAC
31. IF THE PRINCIPAL OR INT PAYMENT REMAINS OVERDUE BETWEEN 31-60 DAYS – SMA 1 CATEGORY
32. SALE NOTICE UNDER SARFAESI – 30 DAYS
33. IN DOUBTFUL ASSETS PROVISIONING OF UNSECURED PORTION...100%
34. STANDARD ACCOUNTS PROVISIONING....0.40%
35. PURCHASING BANK CAN RESELL NPA OTHER THAN TO ORIGINAL BANK AFTER KEEPING THE SAME IN ITS BOOKS for 12
months
GENERAL BANKING
1. Dishonour of cheques of value less than `1 crore, on ____occasions during the financial year will attract stoppage of cheque
book facility and closure of account. Ans: Six
2. Risk arising out of Non Functioning of a Computer in Branch. Ans: Operational Risk
3. Not valid proof of Identification a)PAN card b) Ration Card c)Driving licence d)Voter Card. Ans: Ration Card
4. Full form of FATF: Ans: Financial Action Task Force
5. If amount mentioned in words and figures differs in a cheque, which amount will be paid Ans: Amount in words
6. Full form of ASBA: Ans: Application Supported by Blocked Amount
7. Guidelines on Investor Protection Funds by Stock Exchanges issued by: Ans: SEBI
8. Clearing of cheques in outside of station: Ans: Speed Clearing
9. Rs.50,000/- DD is issued by: Ans: Debiting customer’s account
10. What is the form to be taken from Senior Citizen for exemption of TDS on deposits: Ans: 15H
11. What is the form to be taken from Other than Senior Citizen for exemption of TDS on deposits: Ans: 15G
12. What is the percentage of Income Tax to be deducted on deposits if PAN is given: Ans: 10%
13. What is the percentage of income tax to be deducted on deposits if PAN is not given : Ans: 20%
14. Who can open a SB NSIGSE : Ans: All SC/ST girls who pass class VIII and Girls who pass class VIII examination from
Kasturba Gandhi Balika Vidyalayas (irrespective of whether they belong to SC/ST) and enroll for class IX in State/UT
Government, Government aided or local body schools
15. Unclaimed deposit means, there are no operations in the account for more than _____ years. Ans: 10 years
16. What are the charges for cash withdrawal through Credit Card, Ans: 3% of transaction amount with minimum Rs.30/- per
thousand or part thereof.
17. What is the rate at which RBI lends to Commercial banks: Ans: Repo Rate
18. Under RTI Act, information to be provided to applicant with in maximum a period of_____ days. Ans: 30 days
19. What is the periodicity of customer meet in a Branch. Ans: Monthly
20. Hindi Meeting Report by HO to RBI: Ans:Quarterly (to check the answer)
21. How many member countries are there in Asian Clearing Union: Ans:9
22. In case of pension payments as part of Government Business, how much commission is paid to the banks? Ans: Rs. 65 per
transaction.
23. Garnishee Order is applicable when relationship with respect to Customer and Bank : Debtor - Creditor
24. Ombudsman Award - Max for credit card : Ans: Rs.1,00,000
25. Maximum number of Withdrawals permitted per month in Basic Savings Bank Deposit account is ______ and maximum
amount per month: Ans: Four & Rs.10,000/-
26. As per our bank’s “Doorstep Banking Scheme”, what are the ceiling limits for Cash Pickup/Delivery: Ans: Minimum Amount
of Rs.1 lakh and maximum amount of Rs.100 lacs.
27. What is the periodicity of conducting Study Circle Meeting: Ans: Once in 3 months in branches, once in 2 months in C O
s
28. NO OF DIGITS IN AADHAR : 12
29. IN A & B IS JOINT A/C E OR S OPERATION WITH X AS NOMINEE. A DIES THE DEPOSIT ON – BOTH B & NOMINEE OF A
30. ROC TO BE DONE WITH RTO ALSO TO PREVENT – SALE OF VEHICLE WITHOUT INFORMATION TO THE CREDITOR AND
COMPANY
31. IN HOW MANY YEARS OF NO TRANSACTION DOES A SAVING AND CURRENT ACCOUNT BECOME INOPERATIVE –
TWO YEARS
32. MIN BALANC IN SMALL SAVINGS DEPOSIT BANK A/C? : ZERO / NO BALANCE
33. IN CASE OF A/C TRANSFER WITHIN HOW MANY DAYS THE ADDRESS PROOF HAS TO BE SUBMITTED IN TRANSFEREE
BRANCH ? SIX MONTHS
34. FOR MAKING NOMINATION IN TERM DEPOSITS HOW MANY WITNESS SIGNATURE REQUIRED ? ONE BUT IF DEPOSITOR
IS ILLITERATE THEN TWO WITNESS
35. MAX IMUM CLAIM IN CREDIT CARD BY BANKING OMBUDSMEN?: Rs. 1.00 LACS
36. PURCHASER OF DD CANNOT DO THE FOLLOWING? STOP THE DD
37. DICGC INSURANCE IS NOT AVAILABLE TO THE FOLLOWING?: Deposits above Rs. 1.00 lacs
38. OFFICIAL LANGUAGE ACT? : 1963
39. HINDI ACCEPTED AS OFFICIAL LANGUAGE ON? : 14.09.1949
40. NUMBER MENTIONED ON THE CHEQUE FOR SAVING A/C BESIDES MICR? 10
41. IN A CHEQUE WHEN THE AMOUNT WRITTEN IN WORDSAND FIGURES DIFFER WHICH WILL HOLD GOOD ? :AMOUNT
WRITTEN IN WORDS
42. KYC DETAILS CIM 50..IDENTIFICATION ADDRESS PROOF CENSUS CODE OF CUSTOMER
43. HINDI PAKHWARA (HINDI FORTNIGHT) CELEBRATED FROM ? : 01st Sept. to 15th Sept. 2015
44. HOW MANY MEMBERS FROM LOK SABHA THERE IN THE OFFICIAL LANGUAGE PARLIAMENTARY COMMITTEE: 20 members
from lok sabha ( out of 30 members committee of Parliament – 10 from Rajya Sabha )
45. OFFICIAL LANGUAGE APPLICABLE TO ALL STATES AND UNION TERRITORIES EXCEPT - TAMILNADU
46. PERIODICITY OF OFFICIAL LANGUAGE IMPLEMENTATION COMM. MEETINGS --- QUARTERLY
47. AS PER RTI ACT IN HOW MUCH TIME INFORMATION TO BE GIVEN TO CUSTOMER – 30 DAYS
48. WHEN CHEQUE IS WRONGLY RETURNED BANKER IS LIABLE TO –DRAWER
49. WHEN NON CUSTOMER WALKS IN FOR SINGLE TRANSACTION OR MULTIPLE TRANSACTIONS ABOVE WHAT AMOUNT KYC
INSISTED...RS.50000/-
50. NON MAINTENANCE OF MIN BAL. ...NO PENAL CHARGES
51. PROVIDING FINANCIAL SERVICES TO POOR... FINANCIAL INCLUSION.
52. SUMPOORNA KAVACH PLAN... INSURANCE COVER Rs. 30000.
53. .SHARES TRANSFERRED IN ELECTRONIC FORM... DEMATERIALIZATION.
54. SWAVALAMBAN... PENSION SCHEME... 12 TIMES CREDIT.
55. CANARA BANK RECEIVED AWARD OF BEST IT SECURE FOR? : Skoch Renaissance award 2014 UNDER INDIA’S BEST
PROJECT FOR RUDSETI
56. RD DONE FOR MIN AMT AND MIN PERIOD: Rs. 50.00 & six months
57. BUSINESS CORRESPONDENT IN BANK ARE FOR banking business
58. Mother of all deposits : SB
59. CASA means : Current Account and Savings Accounts
60. SB minimum average monthly balance in metro with or without cheque book : Rs.1000/-
61. CA minimum balance in metro centres: Rs.5000/-
62. Which does not comes under HNI account as per recent guidelines :a) Average SB balance of Rs.2.00lacs and above,
b) Term Deposit balance of Rs.10.00 lacs and above c) CA balance of Rs.5.00 lacs and above d) Salary Credit Rs.25,000/-
and above in salary account e) Fund Based Loan of Rs.25.00 lakhs Ans: E (fund based loan of more than Rs.30.00 lacs is
HNI)
63. If option is given to banks, banks choose SB deposits than FD deposits why : SB deposits are low cost deposits
64. When we send counterfeit currency report : With in 7 days of date of detection of counterfeit currency notes, through
Suspicious Transaction Report.
65. ADHAR card digits : 12
66. Minimum balance in CanaraDefence Account: NIL minimum balance
67. Account Transfer from one branch to another branch of same bank - when customer has to submit new address proof to
bank : Ans: with in 6 months
68. The aggregate of all credits in small saving bank deposit account in a year: Ans: Rs.1.00 lac.
69. The aggregate of all withdrawals in a month does not exceed ______in Small Saving Account : Ans: Rs.10,000/-
70. Canara Champ deposit scheme for children up to the age of: Ans: 11 years 364 days
71. Quarterly average balance in SBPower plus: Rs.1.00 lacs and above
72. Personal Accident Insurance coverage in Canara Mahila account - maximum is Rs.8.00 lacs (Rs.2 lacs to Rs.8.00 lacs for self
and spouse)
73. In door step banking for pensioners, minimum amount of delivery: Rs.5,000/-
74. Cheque validity: 3 months
75. Interest earned on FD exceeds 10000 : TDS applicable
76. In Atal Pension Yojana what is Government contribution per year : 50% of Subscriber’s contribution with maximum of
Rs.1000/- per annum for a period of 5 years
77. Interest on PPF : 8.1% ( from 01-04-2016)
78. PRR30 is :Register cum Report for Customer Complaints Received (calendar quarterly last day)
79. Medical amount available under easyhealth : (Cir 521/2013)
80. Amount for clerks under IBAs new medical insurance scheme : Rs.3.00 lakhs
81. Amount for officers under IBAs new medical insurance scheme : Rs.4.00 lakhs
82. In silver jubileestaff welfare scheme after paying how many instalments loan can be renewed: Ans:6 instalments
83. Compulsory leave for staff working in counter, in a year how many days: 10 days
84. Which is not a material alteration : General Crossing made as Special Crossing
85. Conversion of physical form in to electronic form : Cheque Truncation
86. Deathclaim settlement in how many days: Within 15 days of receipt of claim with all requirements
87. Term Deposit amount at the time of allotment of lockers : 3 year rent plus break open charges
88. Cheque collection from metro station to Other areas: 14 days (metro to metro:7 days, to state capital 10 days)
89. Duplicate DD,up to what amount can be given without conformation of nonpayment by payee branch: Rs.5,000/-
90. Easy health tie up with : Apollo Munich Health Insurance Co Ltd
91. Reverse Repo Rate : 6% (from April 2016)
92. Bank Rate: 7%(from April 2016)
93. Which of the below mentioned comes under liabilities side in balance sheet : Deposit / Prepaid expenses/ Advances Ans:
Deposits
94. Bailement of goods: Pledge
95. Relation in Garnishee order- bank is: Debtor of judgement debtor
96. Official Language Actpassed in which year: 1963
97. Hindiday : 14th September
98. E info book launched on Founder’s day, ie : 19th Novemer
99. OLIC meetings : Quarterly
100. Under RTI act, with in how many days, information to be given : Ans:30 days
101. What is the age limit for Officer employees for talent bank: Ans:
102. Nearest Police Station is to be informed, if counterfeit notes exceeds ___ in a single remittance: Ans: 5
103. Cheque Book not to be issued if cheques of Rs.1.00 cr and above returns ___ times: Ans: 4 times
104. 10th Overseas Branch opened in which place:
105. Demand Draft of Rs.20,000/- and above to be issued with: Account payee crossing
106. Nomination by Illiterate Depositor to be witnessed by: 2 witnesses
107. Surprise cash verification period: Once in a quarter
108. Unclaimed deposits are to be remitted to RBI, if the deposits are not operated for a period of: more than 10 years
109. Special crossing is instruction to: Paying Bank
110. In a deposit account in the name of A & B, with either or survivor clause. A died. Ans: B will get full amount
111. UNDR NPS MINIMUM SUBSCRIPTION IN AYR : Rs.6000.00
112. Which one is not a material alteration?: Ans: Converting Bearer instrument to Order instrument.
113. SMERA STANDS FOR : SMALL & MEDIUM ENTREPRISES RATING AGENCY
114. THE BAL IN SMALL SB A/C AT ANY POINT SHOULD NOT EXCEED – Rs. 50000/
115. AEPS STANDS FOR : AADHAR ENABLED PAYMENT SYSTEM
116. UNDER OMBUDSMANS PARTY ON RECEIVING THE AWARD CAN APPEAL TO THE APPELLATE AUTHORITY IN HOW
MANY DAYS – 30DAYS
117. CPPC STANDS FOR : CENTRAL PENSION PROCESSING CELL
118. TDS DEDUCTED FOR INTEREST AMT – ABOVE RS 10,000/
119. CARE STANDS FOR: CREDIT ANALYSIS & RESEARCH LTD
120. MIN SUBSCRIPTION IN PPF CANNOT BE LESS THAN – Rs.500/
121. IBPP STANDS FOR : INTERNET BILL PRESENTATION & PAYMENT
122. MAX AWARD BY OMBUDSMAN IN CASE OF CREDIT CARD – RS. 1 LAC
123. PRESENT SLR : 21.5%
124. RBI HAS ADVISED BANKS TO ENSURE THAT DD'S TO BE ISSUED INVARIABLY WITH AC PAYEE CROSSING FOR –
RS 20,000 & ABOVE
125. RBI AT WHICH RATE PURCHASES OR REDISCOUNTS B/E OR OTHER CP – BANK RATE (7.75%)
126. FROM THE FOLLOWINGS - WHICH IS NOT A MATERIAL ALTERATION ON THE CHQ : ANSWER IS A
127. STRIKING OUT BEARER AND MAKING CHQ PAYABLE TO ORDER, B).CHANGING THE DATE, C) CHANGING THE CHQ
FROM PAYABLE TO ORDER, TO BEARER
128. WHEN IS CUSTOMER DAY CELEBRATED: 15th of Each Month
129. THE PACKAGE USED FOR INSPECTION – MIRROR / DARPAN/ CHHAYA/ OR NONE: DARPAN
130. JOINT A/C CAN B OPENED IN NRE & FCNR (B) WITH CLOSE RELATIVES WITH THE OPERATION? : FORMER OR
SERVIVOR
131. AS PER CIRCULAR OF AUG 2014 MAX AMT UNDER TAX SAVER CAN BE Rs. 150000.00
132. A PERSON IS LEGALLY DEAD IF NOT TRACEABLE FOR – 7 YRS FROM THE DATE OF FIR
133. CRR IS CALCULATED ON – NET DEMAND & TIME LIAB
134. FOR INJECTION OF LIQUIDITY TXN DONE BY RBI – REPO RATE
135. CANARA BANK HAS TIE UP WITH UNITED INDIA INSURNCE CO LTD for general insurance purpose
136. REGISTRATION OF FIRM NOT DONE THEN....CANNOT SUE OTHERS FOR RECOVERY OF DUES
FOREX
1. In LRS how much amount can be remitted for travel abroad: USD 2,50,000
2. How much amount of Foreign Currency coins be kept with us : No ceiling
3. On FCNR (B), how much amount of loan can be given : No ceiling, subject to normal margin requirements
4. How much Indian currency a person can take while travelling abroad other than Nepal and Bhutan: Ans: Rs.25,000/-
5. Crystallization of Import Bill: With in 10 days of date of receipt
6. FACTA signed with which country:USA
7. In FCNR B, how many days is considered as a year for interest calculation: Ans: 360 days
8. WHICH IS LATEST UCP- : UCP 600 (wef 01.07.2007 )
9. AMT ACCEPTED IN CASH BY AUTH DEALERS AGAINST SALE OF FOREIGN EXCH – UPTO Rs. 50,000
10. UNDER LRS AMT PERMITTED – USD 2.5 LAC
11. MAX TERM PERIOD FOR NRE DEPOSITS – 10 YRS
12. INT PAID FOR PREMATURE WITHDRAWAL OR PREMATURE EXTENSION OF NRE DEPOSITS : 1% Penalty ( upto one crore
– Ref cir 108-2015 )
13. FCNR (B) A/C HELD ONLY IN THE FORM OF – TERM DEPOSITS
14. IN EEFC A/C JOINT HOLDER CAN BE IN THE FORM OF – FORMER OR SURVIVOR with Close Relatives
15. R RETURN WHEN SUBMITTED TO RBI? : FORTNIGHTLY BASIS – 15th & Last day of the month
16. WHAT IS CONVERSION: FOREIGN CURRENCY INTO LOCAL CURRENCY ( SAY - INR )
17. RELEASE OF FOREIGN EXCHANGE NOT EXCEEDING IN 1 FINANCIALYR FOR ONE OR MORE PRIVATE VISITS (EXCEPT
NEPAL N BHUTAN)?: USD 10,000.00
18. RELEASE OF FOREIGN EXCHANGE NOT EXCEEDING FOR BUSINEES TRAVEL?: USD 25,000.00
19. CRYSTALLISATION MEANS?: CONVERTING FOREIGN LIABILITY INTO RUPEE LIABILITY ( DELINKING FOREIGN ELEMENTS
FROM BILL & CONVERTING TO INR )
20. LIMIT FOR SENDING REMITTANCES TO NEPAL BY NEFT...Rs. 50000/
21. MAXIMUM INDIAN CURRENCY THAT CAN BE TAKEN ABROAD BY RESIDENTS-Rs.25000 (export & import of INR)
22. WHAT ACCOUNTS FCNR B CAN BE OPENED AND IN WHAT CURRENCIES....FREELY CONVERTIBLE CURRENCY
23. NRE DEPOSITS CAN BE OPENED FOR A MAXIMUM PERIOD OF...10 YEARS.
24. Interest Rate on FCNR(B) deposits should not exceed: Ans: LIBOR for concerned currency for corresponding maturity
plus 200bps(Upto 3 year) and LIBOR +300bps (3-5 years).
25. Which of the following apex body and Regulator has asked banks to swap customer-related information so that the frauds
and defaults may be prevented in future? a)Bombay Stock Exchange (BSE) b)Indian Banks, Association (IBA) c)Securities &
Exchange Board of India (SEBI) d) Reserve Bank of India (RBI): Ans: d, (RBI)
26. Under UCPDC 600 what is maximum number of days allowed for examination of documents by issuing bank and negotiating
bank?: 5 banking days each.
27. In FCNR (B) Exchange risk is borne by : Ans: Banks
28. As per Liberalised Remittance Scheme, Resident Individuals can remit upto USD 250000.00per financial year for any
permitted Current or Capital Transactions or both. Ans: $75,000
29. Unspent Foreign Exchange brought back by Resident is to be surrendered to Authorised Dealer with in ____ days: Ans:
180 days
30. FCNR(B) is opened in _____ currencies: Ans: 5 (USD,GBP,EURO,AUD,CAD)
31. Export Bills should be realized with in a period of_____ from the date of export. Ans: 9 months
32. What is the rate of Interest payable on EEFC account: Ans: No Interest. Only Current Account
33. Upto what percentage of export proceeds can be credited to EEFC account : Ans: 100%
34. An account of Foreign Correspondant Bank with a Bank in India in Indian Rupees is called as: ans: Vostro Account
35. Latest version of Exports & Imports guidelines. Ans: UCP 600
36. Import, Export rules governed by: Ans: FEMA
37. HOW MUCH REMITTANCE FOR MEDICAL TREATMENT ABROAD...UPTO USD 100000/
38. A RESIDENT CAN KEEP UPTO HOW MUCH USD WITH HIM --- USD 2000 & no limits for Coins
39. IF FOREIGN CURRENCY MORE THAN USD5000 OR F C AND TRAV CHQS MORE THAN USD 10000. : CURRENCY
DECLARATION FUND IS REQUIRED
40. Max time period of FCNR term deposit: Ans: 3 years (AUD, CAD)and 5 years (USD, GBP,Euro)
41. Why Selling rate of Foreign Currency is higher than Traveler Cheque : Ans: Holding cost of currency is high
42. What is Nostro Account: Ans: Account of an Indian Bank with Foreign Bank
BANKING & TECHNOLOGY – DIGITAL BANKING

1. Service charges for hot-listing ATM card: Rs.150/-
2. Cannet is a : Intranet
3. ATMcard failure transactions, refund of amount in how many days : 7 days
4. ATM failure transaction - claim with in how many days : With in 30 days of transaction
5. Minimum amount in RTGS : Rs.2.00 lacs
6. ATM issue charges for EMV chip cards. What is the amount: Rs.250 plus ST.
7. Which new currency is added in Canara International Travel Card:
8. Purchase limit in Planinum Card: Rs.2.00lacs
9. Average balance for Platinum Card: Rs.50,000/-
10. MIN AMT IN RTGS : Rs. 2.00 LACS
11. NEFT 23 HRLY SETTLEMENT ON ALL DAYS & EXCEPT 2ND & 4TH SATURDAY
12. BOOK FOR SMARTPHONE WHERE CUSTOMER GETS ALL INFO THRU MENU?: E-INFOBOOK
13. MAX CASH WITHDRAWAL THRU CANARA BANK DEBIT CARD?: Rs.40,000
14. MAX CASH WITHDRAWAL THRU POS, MERCHANT ESTABLISHMENT?: Rs. 1000 PERDAY PER CARD
15. CANARA BANK WEBSITE FOR PUBLIC INFO, BANKING FACILITIES?: www.canarabank.com
16. NEW VERSION OF INTERNET BANKING PASSWORD CAN BE OF LENGTH?: 8 to 12 ( Alpha Numeric, Special Character &
First will be uppercase
17. CARD WHICH ACTS AS AN IDENTITY CARD FOR THE STUDENT---CAMPUS CARD
18. IN MOBILE BANKING MAX AMT THAT CAN BE TRANSFERRED – Rs.50000/
19. If an account is wrongly debited through ATM without dispensing cash and customer complains about it. Within how many
days the bank should refund the amount. Ans: 7 working days
20. M I C R full form : Magnetic Ink Character Recognition
21. What is required for sending RTGS/NEFT a.MICR b IFSC c PIN CODE Ans: IFSC
22. In which of the following types of accounts, ATM cards are not issued a) Illiterate b)Joint Account, operation Jointly c)
Minor Account d) None. Ans: None (since issued to all types of accounts mentioned above)
23. Canara Gift Card is available in the denominations of: Ans: Rs.500/-. 1000/-. 2000/- and 5000/-.
24. Maximum RTGS transactions permitted to Corporates under Corporate Net Banking: Ans: Rs.5.00 crores maximum amount
per day with a cap of 5 bulk uploading files (each file not exceeding Rs.1.00 crore) (Cir 351/2013)
RETAIL LENDING
25. Collateral security is not required up to how much amount in EL: Rs.7.50 lacs
26. Max amount in EL under priority sector: Rs.10.00 lacs
27. For Retired employees of our Bank, maximum _____ month’ pension can be sanctioned under Canara Pension. Ans: 15
months (for others it is 10 months)
28. What is the Risk Weight for Housing Loan of Rs.75 lacs, with LTV upto 75%: Ans: 75%
29. Loan per unit for construction of dwelling unit under Priority Sector: Rs.10.00 lacs
30. Score of borrower under CIBIL for considering loan: up to 590
31. LOANS TO INDIVIDUALS FOR EDUACTIONAL PURPOSE INDIA FOR HOW MUCH AMT WILL BE UNDER PRIORITY SECTOR -
Rs.10 LACS FOR INLAND STUDIES – NOW BOTH FOR INLAND & ABROAD
32. PROCESS OF COVERTING PHYSICAL SHARES INTO ELECTRONIC FORM – DEMATERIALIZATION
33. LOAN TO INDIVIDUAL AGAINST SHARES IN PHYSICAL FORM: Rs. 10 LACS
34. SENIOR CITIZEN HOUSING LOAN SCHEME WAT IS THE MAX REPAYMENT PERIOD?: 15YRS OR 75YRS OF AGE
35. HOUSING LOAN FOR REPAIRS IN URBAN & RURAL AREAS?: Rs. 5 lacs & Rs. 2 lacs
36. EDUCATION LOAN PRIORITY SECTOR ABROAD?: Rs. 10 lcas WILL BE IN Priority sector irrespection of Loan sanctioned
amount. NOW BOTH FOR INLAND & ABROAD
37. EDUCATION LOAN NO COLLATERAL SECURITY AMT? : Rs. 7.50 lacs
38. VEHICLE FINANCED BY BANK LIEN NOTED BY RTO OFFICE... SO THAT THE CUSTOMER DOES NOT SELL THE VEHICLE
WITHOUT THE KNOWLEDGE OF THE BANK
39. LOAN AGST LIC POLICIES...LINKED TO SURRENDER VALUE OF POLICY
40. EL INTEREST SUBVENTION PROVIDED BY GOVT....ENTIRE INT CHARGED DURING MORATORIUM PERIOD
41. NIL MARGIN FOR EDUCATION LOAN UPTO ...4 LACS
42. What is the limit of Education Loan for inland studies for considering under Priority Sector: Ans: Rs.10.00 lakhs
43. What is the maximum amount of loan that can be considered under Canara Pension Scheme: Ans: Rs.3.00 lakhs ( 15
months of Gross Pension and in case of Ex.-Staff 20 months of Gross Pension )
44. What is the maximum repayment period under Canara Pension Scheme Ans: 60months(if pensioner is below 65 years) 48
months if pensioner is above 65 years
45. What is the rate of interest subvention for Housing Loans upto Rs.15.00 lakhs with a project cost ceiling of rs.25.00 lakhs.
Ans: 1%
46. No collateral security or personal guarantee for EL upto Rs.___ Ans: Rs.4 lakhs
5. Memory based Recalled Questions of Canara Bank exam dated 27.01.2019 ( Scale 2,3,4 & 5)
BANKING LAW AND PRACTICE

1. Protection to payee Bank in case of material alterations -sec 89
2. Right of suborgation
3. Customer deposit cash in bank account for specific purpose bank become – trustee
4. Bank do not make payment of cash proceed of fixed deposit >20000 in terms of provision of which act- RBI
DIRECTION
5. The limitation Period available to the bank for execution of decree is ___
6. SLR is defined in section 24 of bank regulation act.
KYC/AML
1. Corporate
2. Categorization based on prof medium risk who – architech Deposit
3.In SB for differential rate mini deposit
4.Accounts opened for prisoners under 127 code the conditions are...
5.In Capital gains account senior citizens are eligible for a preferential rate of....
6. Risk rating of customer in respect of vintage ac for 6 to 12 mth – Medium
7. Disclosing the reason -should be reported to f I u
8. Risk rating 100 lakh and above – High Risk
DEPOSIT
1. Huge credit in SB account customer is not in BSBD account.
2. In first time standing instructions change is RS 100 for every debit how much bank will Charge.
3. As per bank extant policy dishonor of cheque for the reason insufficient fund of value 1 crore 4 - occasion during the
financial year will attract stoppage of cheque book and closure of account.
4. In addition to a/c of individuals, nomination facility can be made available to deposit a/c of proprietoryship concern.
DIGITAL TECHNOLOGY
1. Eronious debit of customer ac sure to fradulent activity and fault is with branch penalty is RS 100/ RS 5000 max
upto RS 1000
2. Another name of book marks
3. 2nd gen computer
4. Which one is not operating system-cobol.
5. Microsoft Internet Explore, Google, Chrome,Apple Safarei are example of search engine
6. DVD stand for digital versatile disc.
7. _____is a type of optical disk that provided access to data cannot written
Priority Sector Advances

1.Target for agri and SF/ MF
2.Tissueculture - Agri infrastructures
3.Priority Agro processing loan limit
4.Priority Housing loan in metro loan limit
5.priority Housing by Govt. Slum clearance individual unit cost
6.priority sector asset purchase cap on ROi to ultimate customer
7.To be eligible under weaker section, loan limit to Artican ic Rs.
8. EL priority sector - RS 10lacs.
9. DRI sc/st 20000 HL over & above individual loan------
10. Priority sector loan by Bank to individual women beneficiary upto Rs.1 lac max per borrower under weaker section
category.
11. IBA skill education 5000 to _____
Govt. Sponsor
1.PMEGP- second dose for manufacturing max limit is
Agriculture
1.Olericulture
2.Jewel appraiser in branches contract period and cooling period before reengaging
3.NABARD-Dairy EntDev scheme for buffalloe calf rearing repayment period
4. Maximum Loan to farmer for Agri produce for 12 months -rs 50 lacs
5. Max loan for Agri infrastructure -rs 100 cr
6. PAIS insurance coverage for permanent disability – 187500
7. Risk coverage of the PAIS offered by Bajaj Allianze under corporate agency for KCC a/c holders for loss of two limbs or
two eyes or one limbs and one eye- Rs.187500/-
9. Agri clinic subsidy _____
Financial inclusion
1. PMJJBY for claim documents to be submitted.
2. PMSSBY age 18 TO 70 YEARS.
3. BC appoint for acting grater financial inclusion operate as agent of bank
4. ANBC for agriculture category 18%
5. PMSBY premium Rs. 12 yearly.
6. Rupay insurance claim withing_______
7. BC are working with____for indefical / disbursement of cash
MSME
1.CGTMSE claim for Micro unit overdue liability of Rs 40 lakhs
2. MSE unit non digital translation, projected turnover is 36 accepted by bank is 32, NWC is 2, eligible WC limit is
3. Underclaim cap condition under cgtmse guarantee scheme will be settled to the extent of 2 times of fee including
recovery remittence during previous fy
4. cgtmse coverage for women and ne region for loan of rs 25 lacs .... 80%
5. Medium enterprises engaged service can be defined limit with instrument of ___month 2 crore by not exceeding___
General advance
1.RBI stipulates Exposure limit to mitigate risk due to
2. Single exposure limit and group exposure limit : 15+5&40/50
3.CIR report contain score 900-775 is given by CIC....
4.LEI to be obtained for 50-100 cr
5. The liability of performs in respect of an advance to their firm is____
6. Asset classification of borrower account under consortium shall based on ___
Balance sheet Analysis

1. Fixed cost 300000, sales price 50,variable=7 cost 20 what is BEP volume
2. Current ratio 2:1,CA 240 Quick ratio 1:1,then Quick asset is
3.Total asset is given, long term source is given, long term use is given what is Current rario
4. Profit before tax is given, tax is given, depreciation given, interest in TL, TL instalment is given DSCR is asked.
5.Profit after tax is given. Tax is given TL interest is given Interest coverage ratio is asked.
6. Contribution is very important in respect of break even point the formula to calculate Contribution is selling price -varaible
cost
7. TREDS- traders receivable discounting system
8. Accural concept of accounting –
9. Debt service converge ratio rate up to not less that 1.5 %
Official Language
1. Correspondance from Region C to B including e mail for 2018-19 is
General Banking
1. PSB reform agenda Ease stands for
2.In CTS 2010 cheque payee name is corrected but authenticated, cheque to be....
3.IQA in CTS cheque processing means
4.For locker bank can collect.... Years rent as deposit
5.Accountability policy--if a letter for ratification sent to RO/CO not replied..... days, then it deemed to be ratified.
6.Objectives of OTM report
7.OTM report to be generated in... days by...
8.information shared between Banks and FI in digital form through
9."CD issued by bank mini denomination
10.SLR - investment in
11. 'i' monitor covers...
12. As per IT act PAN to be obtained if..
13. BCSBI is autonomous body
14. Sec 80 d max insurance medical exemption for Sr citizen - rs50000
15. Moody- not a domestic rating agency
16. UDIN - Unique document identification number
17. Str reporting to f I u - 7 days
18. BPFR each Divisional Manager of RO shall visit branch once in a quarter.
19. GL head SA PRR6 monitor______
20. GST/DTS shall be paid to Govt by the deductor ____days.
21. System audit policy taking in to consideration critically in DMS wing/DIT RM wing for review period has been deducted to
_______for DDS wing.
22. CTS sent as paper to follow (P&F) ACT AS ____
23. Transaction of keeping article in safe custody___
24. Standing instruction relationship bank & customer ____
25. If no amount is specified in Garnishee order___
26. Fraud 1 lakh & above less then___ involving outsider and bank staff complaint should be lodged by the CO HEAD to
STATE CID/Economic Offence.
27. Target originating correspondence in HINDI region C TO C = 55%.
28. Financial assist to 6 girl student of SC/ST category who has scored higest marks in the examination, the scheme name is
Canara Vidyajoyoti 3 student of std 5 to 7 each studend to be awarded @ Rs2500/- each
BASEL
1.Market risk
2.Capital Conversation Buffer to be sourced during the period of
3.Doestic Risk rating agencies
4. Credit risk weight for Housing loan Rs 50 lakh LTV 75%
5.For LIG housing loan Credit Guarantee is available, to that covered portion rik weight is...
6. Tier II capital lower instrument maturing in 30 months considered with discount of....
NPA & Provisioning

1. In term loan interest was not serviced for more than 3 months, tha asset value is 96 lakhs, it was 225 lakhs at the time of
sanction, the asset classification to be
2. To an order received from DRT in the matter of SARFAESI, the borrower has to reply / represent within..... days
3. In a doubtful irst year loan out standing 60 lakh, ECG cover 50%, value of security 20 lakh, what is the provision
4. Doubtful 3rd year account liability 30 lakhs asset value 20 lakh provision to be mafe
5.Appeal against Lok adalat award is to be filed in...
6.IBC IV th pillar refers to..
7. under ibc code 2016 for insolvency resolution in respect of company and llt case should be filled to –nclt
8. Second stage in drt cases creditor should deposit how much percentage of amount 50%.
9. Which is not eligible for sarfaesi -under RS 1 lacs.
10. Legal entity identifier in all corporate credit proposal is 20 character alphanumeric code using ISO17442:2012 stated.
11. As per extended guidelines monitory ceiling for cases to referred to LOK adalat 1 crore.
12. Pari Pasu charge in consortium advance is_______
13. Debt securitization is the term for ____
FOREX
1.ROI for FCNR deposit for 3-5 years LIBOR +...
2. In a LC the nlimit is reinstated again and again then it is called.... LC
3.In a LC, two drafts were submitted and amount paid, when 3rd document received in order buyer instructed not to pay as
the goods not in good quality, what the bank to do
4.Inco term
5.FC loan to be maintained and monitored...
6. Importer customer entered into an agent with your branch to take delivery of foreign exchange at specified rate on
secpdate the agent is called____.
7. Purchase goods worth 30 lakh in 6 transaction of 5 lakh each in 10 month forced the seller the debetor want LC for supply
good which is take LC.
8. Noting of negotiable instrument reform to ___
RETAIL LOAN
1.DSAs should source minimum...... HL in metro.
2. Under special scheme for vi employees7 of reputed educational institution maximum Cara budget loan is...
3.PMAY MIG II Mini space... Sq. M
4. What is nth amount in pmay- RS 10000
5. Income for LIG ..... 6 lacs
6. RECALLED QUESTIONS OF SBI TRAINEE OFFICER EXAM. 2018-19
A.RECALLED QUESTIONS OF SBI TRAINEE OFFICER EXAM DATED 23.02.2019
1. 1st Atm in india was installed by which bank

2. What is pari passu charge
3. Asha home loan is of which bank
4. What is the name of SBI voice assistant
5. What is the name of AI of Pnb met life
6. Yuva is AI of which jv of sbi
7. Total number of INB user of Sbi
8. How many beneficiary can be added in Rinb through otp in a day
9. Maximum amount of DD to be issued thru INB in a day
10. SDR is available in which currency
11. Which product is available for toll plazas
12. Technology used in SBIFastag
13. 1st mobile ATM in started by which bank
14. Total % of advances in car Loan
15. Which txn right is issued in Capgain account
16. Minimum balance requirement in MACT saving account
17. Minimum balance requirement for current account in rural area
18. Tenure of stdr/tdr issued thru INB
19. Minimum gms of gold deposit
20. Name captured in cheque leaves thru which screen
21. Name captured in cheque book requisition slip thru which screen
22. Standard number of cheque leaves issued in saving account
23. Facilities available at non home branch
24. Inoperative account payment is entered in which register
25. Risk catagory of inoperative account
26. Account becomes inoperative after how many years
27. Minimum amount of loan in PAL home loan
28. Under which section GOI of gives direction to RBI
29. PJ Nayak committee is related with what
30. What is purpose of m-Cash
31. Card name in collaboration with indian railway
32. Validity period of ez-pay card
33. Minimum and maximum amount to be re-loaded in ez-pay card
34. What is Document AB-4
35. Who issues Attachment order
36. Can RTGS be done at non home branch
37. Max deposit allowed at non home branch in p segment account
38. Teller gets inactive in cbs in how many days
39. In which year imperial bank was started
40. Txn limit of Sbi bhim pay in a day
41. Full form of MOPS
42. 2 Technology partner for Atm switch center
43. Islamic bank is in which country
44. % of share of sbi in sbi life
45. Is payment allowed at non home branch in Capgain account
46. Amount of PAI available in csp platinum account
47. Amount of AAI available in csp platinum account
48. App for downloading of Home loan and education loan interest certificate
49. Total % of alternate channel txn
50. Max limit of GRC in a month
51. Name of app which gives facility to fill voucher on smart phone
52. Sbi mingle is available on which social media platforms
53. Username and password to be issued to customer thru which mode in cbs
54. Total number of digit on PPK
55. Commercial paper is issued by which sector
56. In which type of mortgage action can be taken without intervention of court
57. Machine installed at branch for passbook printing
58. How many classification of vehicle by NHAI
59. GSTN is which type of sector
60. Total balance sheet size of sbi
B. RECALLED QUESTIONS OF SBI TRAINEE OFFICER EXAM JAN. 2018

1)Yono Tagline
2)Sbi mobile banking tagline
3)upi full form
4)DRT full form
5)First 4 digits of MMID of sbi
6)No.of digits in CIF
7)UPI transfer transaction limit
8)RINB Quick transfer transaction limit
9)RINB quick transfer per day limit
10)SBI Fastag works on which technology
11)GST 1st implemented in which country
12)BSBD account bal allowed at any point of time and credit summation allowed in a fin year
13)R41 is which type of txn(c2c or b2c or c2b or b2b)
14)SBI Internet banking service provider
15)RTGS txn Limit for CINB vyapaar
16)Max no.of allowed nominees for a joint account
17)MOPS full form
18)Social media like internal platform for SBI-Ans is Aspirations
19)Asian development bank H.Q
20)Japanese firm Softbank core operations?
21)Sbi diluted 100% shares in which subsidary?
22)Sbi has 100% stake in which subsidary?
23)Moodys upgraded credit rating for india?
24)Sbi global Edvantage max loan for abroad studies?
25)Sbi presence in how many foriegn countries?
26)Min credit score for financing Tatkal tractor loan
27)Nodal branch for western union remittances?
28)Sbi origin started with which bank?
29)RTGS min amount?
30)Software at jaipur to report STR'S
31)TDR min amount?
32)Tax savings tdr lockin period?
33)External credit rating required for loans above____crores?
34)EOD should be done by?(cdc or branch or no need)
35)Sbi home loan share in market?
36)Largest portfolio for sbi in (options: Auto loans , home loans,Trade,textiles)
37)Eligibility parameters for EMI/interest rate change for car loan?
38)Parameters to trigger prompt corrective action plan by RBI?
39)First bank to setup atm in india?
40)First atm in world for bitcoin at?
41-45)Passage on fraud done by builder by selling same plot to different customers by loans.
46-50)Passage on queries by customers in customer relationship programme
51-55)Passage on Ombudsman complaint regarding delay in cheque collection.
56-60)Passage on complaints management system(CMS guidelines)
61)Full form of NITI
62)Max girl age to allow deposit in sukanya samrudhi
63)Name of SBI missed call banking
64)For tractor loan under tie up,farmer should own how many acres?
65)BCSBI full form
66)No.Of circles in SBI
67)New circles names
68)SBI chaiperson appointed by which section of Sbi act
69)Max amount at any point of time allowed in sbi buddy merchant app
70)_____and iffco released co branded debit cards for farmers to promote cash less economy
71)ROA(return of assets %) of sbi as on sep 2017
72)Deduplication screen number in CBS
73)2 CIRs(Credit information reports) required for home loans above_____
74)Contractual employee with above 1 lakh salary can be given which variant account under CSP
75)OD for salaried-How many months gross and adjustable in how many months?
76)As per RBI,cust suffer no loss by fraud transaction on his card if customer complaints within how many days?
77)Question on Conditional Sale mortgage.
78)Url for single sign on
79)CVV full form
80)Question on firewall
81)Question on defining hacker
82)Question on defining ransomware
83)Which bank has highest market cap
84)Sbi capital as on sep 2017
85)Question on SBI Foundation.
86)NIM(Net interest Margin)signifies what?
87)Min gold weight under revised gold deposit scheme?
88)Pos limit per day for classic debit card.
89)Tax exemption not covered for which in given options.(Options:Home loans,tier-1 in Nps,Tier-2 in nps)
90)Sbi position in Fortune 500
91)To on/off debit card usage, how many digits of atm card to be entered
92)ABAL max loan amount?
93)ASBA max amount per application
94)First mobile atm in india launched by
95)NBFC registered under which act?
96)No.of characters in IFSC CODE
97)Cash deposit limit per day in CDM
98)Software used for western union money transfer?
99)Trackbal is _______ device?
100)Virus full form
7. RECALLED QUESTIONS : 2019 ( CANARA BANK / PNB / INDIAN BANK/UBI )

1. A foreign tourist who is in India and is having USD 5,000 wants to open a/c. Which type of deposit account he can be
open an: NRO for a maximum period of 6 months
2. In case of equitable mortgage, the deposit of title deeds has to be at __: Any notified town notified by the State Govt.
3. What do you means by Mortgage? Transfer of interest in a specific immovable property.
4. Phising is relate to : Steal the customers personal / confidential data
5. If Garnishee Order does not specify any amount, it will be applicable or not: Applicable and full amount in the a/c will be
attached.
6. NABARD undertakes supervision on which type of Bank: RRBs.
7. SARFAESI is applicable to what type of a/cs: Secured NPA Accounts.
8. Packing Credit facility is available in which type of Letter of Credit: Red Clause Letter of Credit.
9. Negative Lien refers to: Undertaking given by the company not to create any charge / not to get the assets
encumbered to any other bank during the currency of bank borrowings.
10. What is firewall? A software programme for protecting against unauthorized access to the information.
11. What is the full form of CTS: Cheque Truncation System
12. What is the full form of BBPS: Bhatart Bill Payment System
13. Maximum RTGS Charge for Rs.2 lac to 5 lac: Rs.25.00 + Service Tax
14. Full form of INFINET? Indian Financial Network
15. First committee on computerization in banks was headed by: Dr C Rangarajan.
16. Application under ASBA (Applications Supported by Blocked Amount) can be applied for: a) IPO (Initial Public Offering) b)
Right Issue c) Mutual fund d) All of the above
17. Buy Now, Pay Later what type of card: Credit Card
18. Under in which Act validity period of a Cheque is defined? Validity period not defined in any Act. It is 3 months as per
RBI special directions u/s 35 A of BR Act.
19. Under RBI KYC directives, CFT stands for: Combating Financing of Terrorism
20. Pari Passu charge means: Sale proceeds of security shared by different banks in the ratio of their outstanding loans.
21. NPCI stand for: National Payment Corporation of India.
22. What is the minimum amount which can be remitted under RTGS by a customer: Minimum Rs. 2 lac and no Maximum.
23. What is the relationship of bank and the customer in cheque collection: Bank is Agent and Customer is Principal.
24. AEPS stands for: Aadhar Enabled Payment System.
25. Under which scheme the first instalment of Rs 2,000 was directly credited to the bank accounts of selected beneficiary
farmers of 24 States and the UTs on Feb 24: Pradhan Mantri Kisan Samman Nidhi Yojana (PM-KISAN).
26. Individual women entrepreneurs can borrow up to Rs. ______ under Women's Livelihood Bonds: Rs. 3 lakh
27. India got its first War Memorial, established in New Delhi, just next to which grand monument: India Gate
28. The EPFO raised the interest rate on Employees’ Provident Fund (EPF) by ______ basis points to 8.65 percent for 2018-
19: 10
29. The full form of IDRBT and where it is located? Institute for Development and Research in Banking Technology is
managed by RBI and located at Hyderabad.
30. The EPFO - Employees’ Provident Fund Organisation functions under which Union Ministry: Labour Ministry
31. Government launched which major initiative recently to provide better digital education in schools, colleges and
universities: Operation Digital Board
32. The crypto currency operations are usually based on which technology: Blockchain
33. China is the largest consumer of LPG in the world. Which county is next to it: India
34. RBI has hiked the limit of collateral free agricultural loans from one lakh to 1.6 lakh. Here what is meant by collateral:
Any security other than basic security, usually land
35. The RBI has decided to raise the criteria for 'bulk deposits' for banks to Rs. __crore from the current Rs. 1 crore: Two
36. The Reserve Bank of India on Feb 7 cut benchmark interest rate by 0.25 per cent to _____ per cent on expectation of
inflation staying within its target range: 6.25
37. The Reverse Repo Rate has been fixed at _____ after Feb 7, 2019: 6.00 percent
38. Full form of ISDN: Integrated Services Digital Network.
39. Bank which has announced to make full-fledged entry into ecommerce- India Post Bank
40. Bank which is to boost loan generation in rural areas with “Hub and Spoke Model”- Union Bank of India.
41. Which global body in its latest World Economic Outlook report has predicted a growth rate of 7.3 per cent for India in
the current year 2018: International Monetary Fund-IMF
42. Which is the latest recovery channel made available to the banks for speedy recovery of NPAs backed by security:
SARFAESI Act 2002.
43. Microsoft has instituted its base/ facility office at: Hyderabad
44. Oxford dictionaries declared as the Hindi word for the year 2018: ‘Nari Shakti’
45. The RBI recently released guidelines on introducing which new process for various card transactions, including from
debit and credit cards: Tokenisation
46. What is the latest RBI directives for issuing DD for amount of Rs. 20,000 and above: It should be Account Payee only.
47. When mortgage is created by a person by deposit of title deed orally, it is called mortgage: Equitable
48. Borrowing power of Board of Directors is described in: Articles of Association.
49. No bank can issue bearer DD/bill of exchange as per which Section & Act : Section 31 of RBI Act, 1934.
50. Relationship between bank and customer in case of goods left by mistake in custody of the bank: Trustee and
Beneficiary
51. RBI has constituted a high level committee headed by UIDAI’s former Chairman on Deepening
of Digital Payments: Nandan Nilekani
52. Recently which articles of constitution have been amended to provide for 10% reservation to Economically Weaker
Sections (EWS) in general category: Article 15 and 16
53. The RBI has recently formed UK Sinha committee for what purpose: To propose long-term solutions for revival of the
micro, small and medium enterprises (MSME) sector
54. CERSAI is defined under which Act: SARFAESI Act, 2002.
55. CRR is defined in which section of RBI Act: Sec 42(1).
56. What should be annual income of a Below Poverty Line (BPL) family to be eligible for getting interest subvention under
educational loan? Rs.4.50 lac from all sources
57. Unspent Foreign Currency to be surrendered within: 180 days
58. Expand CVV: Customer Verification Value
59. What is Deferred Payment Guarantee? Guarantee issued when payment by applicant of guarantee is to be made in
installments over a period of time
60. What type of charge is created on FDR: Assignment
61. When a nominee can claim payment: After the death of depositor as a trustee of legal heir.
62. What is full form of IFRS? International Financial Reporting Standards
63. Bank - Customer relation in Safe Custody: Bailee - Bailor
64. Full form of IRDAI is: Insurance Regulatory & Development Authority of India
65. What is the new name of Planning Commission: National Institution for Transforming India (NITI)
66. When ownership of goods is with the borrower but possession is with the bank, the charge is: Pledge.
67. Mortgage is defined under: Transfer of Property Act
68. Blue revolution refer to: Fish breeding
69. Risk arising due to internal failure of system and procedures: Operational Risk
70. As per RTI Act, information related to life and liberty should be submitted within: 48 hrs.
71. The birthday of former Prime Minister Atal Bihari Vajpayee on December 25 is celebrated as: Good Governance Day
72. Call money deposit is part of the ______: Organised Sector
73. Who cannot become a partner as per Supreme Court judgement : HUF
74. Bailment of goods by a person to another person, to secure a loan is called : Pledge
75. The crossing on a cheque can be cancelled by: Drawer of the cheque
76. Radhakrishanan Committee is related to: Agriculture Indebtedness.
77. Expand TREDS - Traders Receivable Discounting System
78. What is the full form of UDIN - Unique Document Identification Number
79. What is the Banker- Customer relationship in case of cheque sent for collection: Agent and Principal
80. No bank can issue bearer Demand Draft/Pay Order as per which Act: Sec 31 of Reserve Bank of India Act.
81. SMERA stands for: Small & Medium Enterprises Rating Agency.
82. Bailment of goods for securing a repayment of loan is called: Pledge.
RECOLLECTED QUESTIONS : BASED ON BANKING & GK (2019)

1. The recently meeting of the Governing Board of RBI, what suggestion was given to RBI for its prompt corrective action
framework: RBI was advised to examine the issues concerning the banks’ health under PCA
2. Bearer Demand Draft, Promissory Note and Bill of Exchange cannot be issued by Commercial Banks under Sec. _____:
Sec. 31 of RBI Act.
3. Safe custody of Articles comes under which Act: Indian Contract Act.
4. What is the full form of ARPIT: Annual Refresher Programme In Teaching
5. FSSAI launched which national campaign on the World Food Day to sensitise people about eating safe food and being
healthy: Swasth Bharat Yatra
6. Headquarters of National Commission for Protection of Child Rights (NCPCR) is located in which city: New Delhi
7. The legal liability to file charges with ROC in case of lending to a Company is that of ______: Borrowing Company.
8. The head quarters of United Nations is in: New York
9. Credit Rating Agencies in India are regulated by: RBI
10. HRD Ministry launched which programme for online professional development of 15 lakh higher education faculty:
ARPIT
11. The Banker Customer relationship for deposits is ____: Debtor & Creditor
12. Who has been appointed as UNICEF India’s Youth Ambassador: Hima Das (First Indian sprinter to win a gold
medal at an international track event-400 mt race)
13. Pre-paid expenses in the shape of insurance premium are classified in the balance sheet as: Current Asset
14. Life insurer PNB Metlife has unveiled an Artificial Intelligence (AI)-powered customer service app. The app is
designed to be a one-stop shop providing insurance-related information, anytime, anywhere, such as policy features,
premium due details besides providing fund value and portfolio details: Khushi
15. Non-profit organizations are catergorized in which risk category as per new KYC and AML guidelines: High Risk.
16. Who is Azim Premji, winner of this year's Forbes India Leadership Award for Lifetime Achievement: Chairman of IT
major Wipro
17. To reduce its foreign currency risks in case of overdue Export bill, bank should do: Crystallization
18. What is the aim of launching the Grand Challenge: Improving the India’s ranking in ‘Ease of Doing Business’ to
within 50, from 77 at present
19. Which Bank launched ‘Nexxt Credit Card’ which empowers customers with a choice of payment options such as EMI,
Reward Points or Credit at the push of a button, on the card: IndusInd Bank
20. What is the full form of IMPRESS: Impactful Policy Research in Social Sciences Scheme
21. RBI grants funds to Banks against Govt Securities with the condition of repurchase by bank at: Repo Rate.
22. Who has been appointed as the new Revenue Secretary in the Ministry of Finance: Ajay Bhushan Pandey
23. IRCTC launched a new AI-based assistant, 'Ask Disha' for its website for prompt answering of generic queries on which
issue: Ticket Booking
24. Under OTS, the compromise amount is calculated after taking in : Opportunity Cost.
25. The Union Ministry of Women and Child Development proposes to use which fund to fast track cases of rape of children
and women under POCSO: Nirbhaya Fund
26. Four-day regional meeting of World Customs Organisation for Asia was held in which city: Jaipur
27. Concurrent Audit has been initiated on the recommendations of: Ghosh Committee.
28. The Constitution of India was implemented from which date: January 26, 1950
29. When a farmer in addition to agriculture is engaged in rearing of farm stock, it is called: Mixed farming.
30. Clayton’s Rule applies to_____: Appropriation of payments.
31. What is the full form of SPARC: Scheme for Promotion of Academic and Research Collaboration
32. A Guarantor clears a liability of the principal debtor in your branch. The right of the guarantor to recover the
33. ___________________________________________ money from the principal debtor is called : Right of
subrogation.
34. What is the name of the proposed new asset management company to resolve high value NPAs: Sashakt India
Asset Management
35. Advantages of Cluster based finance to MSMEs: Risk mitigation.
36. For Standing Instructions, the relation between bank and customers is: Agent and Principal
37. Nahid Afrin, popular singer of Assam has been appointed as the first 'Youth Advocate' of the northeastern region by
which UN organization: UNICEF
38. The ‘SHe-Box’ portal has been created for what purpose: To report complaints of sexual harassment at the
workplace.
39. The United Nations Environment conferred the Asia Environment Enforcement Award on which Indian organization:
Wildlife Crime Control Bureau
40. The authority under which the bank collects Supply Bills is: Power of Attorney.
41. If in Garnishee Order no amount is mentioned, what should the bank do? Full amount to be attached.
42. The Cabinet Committee on Economic Affairs has approved 100% mandatory packaging of which item in Jute bags:
Foodgrains
43. Hypothecation defined under which Act: SARFAESI Act.
44. Which committee has suggested creation of a new asset management company to resolve high value NPAs: Sunil
Mehta Committee
45. The government launched the Grand Challenge on the Startup India Portal for what purpose: To invite innovative
ideas based on Artificial Intelligence, Internet of Things, Big Data Analytics, Blockchain and other
cutting-edge technology to reform Government processes
46. Ministry of Agriculture launched the ‘YuvaSahakarCooperative Enterprise Support and Innovation Scheme’ for what
purpose: To attract the youth to launch cooperative business ventures
47. Ministry of Science and Technology announced the launch of the Global Cooling Prize, an international competition for
what purpose: To incentivize the development of a residential cooling technology
48. In whi ch type of charge neither possession nor ownership is transferred to creditor : Hypothecation.
49. The Union Cabinet approved amendment to the Central Universities Act- 2009 for setting up of a Central Tribal
University in which state: Andhra Pradesh
50. Legal status of nominee is that of a: Trustee for legal heirs
51. FSSAI launched which national campaign on the World Food Day to sensitise people about eating safe food and being
healthy: Swasth Bharat Yatra
52. Pradhan Mantri Sahaj Bijli HarGhar Yojana is also popularly known as scheme: Saubhagya
53. Which apex global financial institution recently launched its first Human Capital Index: World Bank
54. Which Indian organization has been ranked as the biggest cooperative in the world in terms of its turnover: IFFCO
(Indian Farmers Fertiliser Cooperative)
55. A Proxy server is used for: To provide security against unauthorized users.
56. Who won first World Agriculture Prize instituted in 2018 and what is his major contribution to India’s
agriculture: Prof. MS Swaminathan, Green Revolution (is known as father of green revolution
in India )
57. Which organisation has started World Agriculture Prize, with prize money of $1,00,000, to be presented annually for
outstanding contribution to promotion of agriculture: Indian Council of Food and Agriculture, a NGO
58. The Ministry of Railways launched the ‘Utsonmobile’ app for what purpose: To provide ‘Unreserved Mobile
Ticketing’ facility for booking of unreserved tickets
59. Which state has approved a proposal to pay Rs.25000 one time lump sum to every girl graduating in state in 2018 and
onwards: Bihar
60. Which batsman created a new record of completing 10,000 runs in ODI in just 205 innings: Virat Kohli
61. India has been elected as a member of the ITU Council for another four-year term. What is ITU? International
Telecommunications Union
62. In a recent notification, govt. has allowed which category of persons to file RTI applications to seek governance-related
information: NRIs
63. Government has prohibited usage of Aadhaar Card for E-verification for KYC for which group of companies: Telecom
companies
64. As per a report from the Asian Development Bank, most of the international migrants in 2017 were from which country:
India
65. The Supreme Court banned the sale and registration of motor vehicles conforming to the emission standard Bharat
Stage- in the entire country from April 1, 2020: IV
66. Why Supreme Court has banned the sale and registration of motor vehicles conforming to the emission standard Bharat
Stage IV: To minimize the air pollution caused by vehicles
67. The Prime Minister launched the “Main Nahin Hum” portal and app for what purpose: To motivate IT
professionals and organizations for social service
68. Which prestigious global award has been instituted by the government of India in the honour of Gurudev Rabindranath
Tagore: Tagore Award for Cultural Harmony
69. The HRD ministry launched two web portals, namely, IMPRESS and SPARC for what purpose: To promote ecosystem
of research in higher education institutions
70. In case of failure of a customer to meet its commitment in settling his dues in time will come under which type of
risk: Settlement Risk
71. What charge to be created for demat shares with bank as security : Lien
B. RECALLED QUESTIONS PNB & UBI EXAM-2018

1. Inflation affects the common man because it : Reduces the purchasing power of the
currency.
2. Rainbow Revolution relates to _______: Flower Cultivation
3. Fiscal Policy is framed by ______: MOF, Govt. of India.
4. Planning Commission is renamed as: NITI Aayog
5. Basic Savings Bank Deposit account can be closed without any penalty within how many days? : Within 14 days or
after 1 year.
6. One rupee note is signed by: Finance Secretary, Ministry of Finance, GOI.
7. SHG concept came from which country? Bangladesh
8. Lending to SHG recommended by which committee? Kalia Committee.
9. Sans-recourse endorsement means: Without resources to the endorser or where endorser excludes his
liability.
10. Vegetable Production is _______: Olericulture
11. Trust Account comes under risk _ category: High
12. ATMs owned and maintained by non-banking companies are called ______: White Label ATMs.
13. Late fine for submitting TDS for day: INR 200
14. CERSAI set up under: Sarfaesi Act.
15. Deferred Payment Guarantee - Type of Credit appraisal: Similar to that of Term Loan.
16. Foreign national on temporary visit to India can open which account: NRO
17. In Special Crossing - what is essential: Bank's name must appear with or without two parallel lines.
18. For being eligible to claim compensation for delay ATM complaints to be lodged within : 30 days.
19. Which banks debarred from PMGKY: Cooperative Banks
20. New Payment & Settlement Regulatory Body is headed by: RBI Governor.
21. Exposure Norms are available to protect to protect Bank from: Concentration Risk.
22. What is result of over valuation of closing stock: Increase in Gross Profit.
23. Revised GCC sanctioned to whom: Non farm sector
24. For opening Demat account: PAN is necessary.
25. Bearer cheque modified, while making payment what is the position of bank: Liable if paid, not liable if paid in due
course.
26. Collecting Banker protection available under which Section: Sec 131
27. Customer has deposited money for specific purpose, what is the bank: Trustee
28. How does a Business Correspondent function: Biometric machine
29. EEFC opened by resident with joint name of non-resident, what is operational condition: Former or survivor
30. Banks can take a decision to go for two way protection to avoid middlemen attack in which of the following: Internet
Banking.
31. Union Territory under B region is :Chandigarh
32. Foreign DD deposited in NRE account. Which rate will be used for conversion: TT Buying rate.
33. Section 20 0f N.I. Act regarding Inchoate instrument: Holder has legal right to complete incomplete instrument.
34. Receivable Rs. 20 lacs. Sales Rs. 120 lacs. What is Debtor Collection Period? 2 Months
35. RTGS payment under which Act: Payment & Settlement System.
36. When Fake notes are received by branches under remittance: They have to be impounded.
37. In-operative accounts comes under _____ risk: Medium Risk.
38. Bank Customer Relationship in standing instruction is: Agent- Principal
39. Forward Market Commission merged with : SEBI
40. Inchoate instruments are dealt as per : Section 20 of NI Act.
41. Suspicious Transaction Report (STR) under PMLA is to be sent _____: FIU- IND, MOF.
42. Expand USSD: Unstructured Supplementary Service data.
43. AS-2 in accounting standards is for: Valuation of Inventories.
44. JAM trinity is: Jan Dhan, Aadhaar and Mobile Phone.
45. When a term loan for more than 3 years is sanctioned by the bank the major risk is :
Liquidity risk (due to ALM mismatch).
46. After issuing a Garnishee Order by court, Bank is referred is _____: Garnishee.
47. Defence personnel accounts package comes under______ risk: Low Risk
48. Simple Mortgage is also known as Registered Mortgage.
49. Visually impaired persons can issue third party cheques up to_______: No limit
50. MUDRA Bank: Micro units Development Refinance Agency-Corpus Rs.20,000 cr.
51. Computer Security Day is observed on : 30th November
52. In Garnishee Order if amount is not specified, the entire account balance is attached.
53. Credit Rating Agencies are regulated by : SEBI
C. RECALLED QUESTIONS OF ORIENTAL BANK OF COMMERCE EXAM -2018
1. A Cheque is signed by two authorized persons of a Mahavir Trust. One of the Trustee dies. Whether Cheque signed by
the deceased trustee can be passed: Yes if it is otherwise in order.
2. During the inspection it was found that the realisable value of security is less than 50%, then the classification of the
NPA : Doubtful.
3. Advantage of Local Area Network (LAN) is: Group of Users in specified area and Central Storage.
4. Under Personal Accident Insurance Scheme, the premium payable by the KCC farmer is : Rs.5/-.
5. Guarantor Z clears the loan availed by Borrower X. The securities shall be released to Z under: Right of subrogation.
6. Sensitivity Analysis is done for what purpose: Viability study.
7. While doing Risk Rating, an asset is downgraded from A+ rating to A rating. What type of risk is involved: Credit Risk.
8. Tangible Net Worth (TNW) is calculated as: Total paid up capital + Reserves – Intangible Assets.
9. When an MSE unit is showing signs of sickness, the unit is said to be in the ______: Handholding stage of MSEs.
10. As per RBI guidelines, General Credit Card is classified under: Non Farm Sector (Other Priority).
11. While extending finance to NBFC-MFIs, the percentage of Qualifying Assets should be: Minimum 85%.
12. Internal Rate of Return is arrived at a point where future cash flows on Net Present Value basis should be: Zero.
13. What is the cut-off date for RKBY during Khariff Season in case of Loanee Farmers: November.
14. As per UCP 600, if quality is not mentioned, what is the tolerance level: Not applicable.
15. Debt Securitization refers to: Conversion of receivables into debt instruments.
16. A party is sanctioned regular bills discounting limit while discounting bills, which type of bills will not be discounted: Bill
for purchase of fixed assets / Accommodation bills.
17. EEFC account is opened as: Current Account.
18. Penalty in case of delay in submission of information under RTI: Rs.250/- per day with maximum upto
Rs.25,000/-.
19. Loans to individual Women beneficiary under Priority Sector – Weaker section: Rs. 1,00,000/-.
20. Net working capital = Current Assets minus Current Liabilities.
21. Surrender of Foreign Currency on return to India: Within 180 days.
22. Rural Debt Swap is related to: Financing by the bank for clearing the dues of the money lenders.
23. As per the present practice, maximum number of persons who can open Joint Saving Bank account: 4.
24. IFSC stands for: Indian Financial System Code.
25. Spot value transaction: Settlement after 2 working days.
26. No Banking Co shall hold shares in any company for amount exceeding ____ of paid up share capital of that company
or____ % of its own paid-up capital and reserves whichever is less: 30:30.
27. Pre-shipment Credit at concessional rate of interest is available for: 270 days.
28. Financing tenant farmers, oral lessees for raising corps thru Joint Liability Group, the maximum limit is: Rs.5 lacs.
29. Registration of Limited Liability Partnership is done with: Registrar of Companies.
30. Green clause LC refers to: LC in which there is a provision of allowing pre-shipment credit and also to
arrange for storage/warehouse facility.
31. ALM main function: To improve Net Interest Margin (NIM).
32. IMPS: Immediate Payment Service - Mobile to account.
33. Internationally LCs are governed by: UCPDC.
34. Letter of Credit is issued by Importer’s Banker as: Unconditional Undertaking.
35. After the death of the Principal, the nominee receives the payment in the capacity of: Trustee of Legal heir.
36. The tolerance level for quantity under UCP600 is: + - 5%
37. Agriculture loans can be sanctioned without mortgage upto: Rs.1 lacs.
38. Recently the NPAs increased due to: Economic environment and not wilful default.
39. For a Loan more than Rs.1 crore to NGO-MFI / NBFCMFI: 10% collateral in the form of Bank Deposits.
40. National Financial Switch of IDRBT (now with National Payment Corp of India): ATM network.
41. Liquidity Risk arises when: Matured Liability exceeds Matured Assets.
42. Commercial Paper is: Promissory notes – Negotiable instrument.
43. As per Basel III, the CRAR of Tier I should be: 7%.
44. Advantages of Cluster based finance to MSMEs: Risk mitigation.
45. Agent dies and the cheque signed by agent on behalf of the Principal comes in clearing for payment: Can be paid if
otherwise in order.
46. In Forex terms, at the beginning of the month would mean: Between 1st and the 10th of that particular month.
D.RECALLED QUESTIONS OF PUNJAB & SINDH BANK/UCO BANK -2018 EXAM
1. Financing of domestic receivables without recourse to seller is known as and export receivables as :
Factoring; Forfaiting.
2. Section Banking Regulation Act 1949 deals with return of paid instruments to account holders: Sec. 45-Z.
3. Power of Attorney executed abroad must be stamped within of its receipt in India: 3 months.
4. The maximum extent of FDI in Public Sector Banks is____% and foreign and private sector banks is ____: 20 ; 74.
5. CRAR stands for : Capital to Risk Weighted Assets Ratio.
6. Preservation of Banks records is governed by provisions of Section _____: 45-Y B.R. Act.
7. Bearer Demand Draft, Promissory Note and Bill of Exchange cannot be issued by Commercial Banks under Sec. _____:
Sec. 31 of RBI Act.
8. Section 22 of the NI Act provides for a grace period of 3 days to be added for arriving at the due date for ______.
Usance Bill & Usance Promissory notes.
a. In the Joint account, with operational mandate of ‘either or survivor,’ Income Tax Attachment Order received in the
name of one of the account holder will : 50%.
9. Claused Bill of Lading indicates : Defective condition of goods or defective packaging.
10. A Resident Indian can obtain foreign currency for small value remittance on the basis of self declaration without any
documentary evidence/A2 Form upto US$ ____: US $ 25,000.
11. Resident Foreign Currency (RFC) account can be opened by subject to the condition that he was NRI for minimum
years. Home returned NRIs; one.
12. Market Risk is monitored by: Bank for International Settlements.
13. In Basel II, Pillar I covers which types of risks: Credit Risk, Market Risk, Operational Risk.
14. For Agri business centre, outer project cost limit for individual is and for group is : Rs.20 lacs ; Rs. 1 cr.
15. What is the purpose of Disaster Recovery Plan: Alternate Server installed for smooth functioning of systems in
case of failure of Main Server.
16. What is the time period for crediting proceeds of outstation cheques presented in Speed Clearing: 48 hours.
17. In an Exchange Quotation, the rate is mentioned as USD 68.61/63. What is Selling Rate: 68.63.
18. What is the present Reverse Repo Rate ( as on 1st Jan 2018): 5.75%.
19. A Foreign Traveller is travelling into India. What is the maximum Forex the traveler can carry without declaration in
Currency Declaration Form (CDF): Foreign currency upto US $5,000 or Foreign Currency & Foreign Travellers
Cheques upto US$10,000.
20. Housing Loan outstanding is Rs.10 lakhs. House property value is Rs.20 lakhs and original loan granted was Rs.15.00
lakhs. What is LTV: 50%.
21. A Forged cheque is passed by Bank, wherein forgery is done in such a manner that it cannot be identified with naked
eye. Whether Banker is liable: Yes.
22. A Loan of Rs.25 lakhs sanctioned to Woman for Micro Enterprise. What is the extent of coverage under CGTMSE: 80%.
23. While granting Loans to NBFC-MFIs collateral security of deposit to the extent of ___ % of loan is to be obtained: 10%.
24. Sprinkler Irrigation system will be installed for what types of crops: Dense Crops.
25. Packing Credit is granted on the basis of: FOB value.
26. Hot listing of Debit Card is done by way of: Stopping transactions at Switch.
27. As per Credit Risk Management Policy, Borrowers (Corporates and other constituents) having sales turnover of over Rs.
shall disclose “Ageing Schedule” of their overdue payables in their periodical returns/statements submitted to the Bank:
Rs.50 crores and above.
28. Whether US citizen visiting India can open NRO a/c: Yes.
29. Computer programme which spreads and interfere with files is called as: Virus.
30. Current Ratio is 3:1 and Quick Ratio is 1:1. If Current Asset is 30, what is the amount of Inventory. 20
31. Information Technology Act 2000, has helped the Banks while dealing with: Court of Law while dealing with
evidence in electronic form.
32. While doing Project Appraisal, sensitivity analysis is useful for: Viability and sustainability of project.
33. Internationally, Banks are maintaining Market Risk under supervision of: Bank for International Settlements.
34. While preparing balance sheet of a firm, closing value of stocks is inflated. What will be the effect: Gross Profit will
increase.
35. While doing Risk Rating, an asset is downgraded from A+ rating to A rating. What type of risk is involved: Credit Risk.
36. Tangible Net Worth (TNW) is calculated as: Total paid up capital + Reserves – Intangible Assets.
37. When an MSE unit is showing signs of sickness, the unit is said to be in the ______: Handholding stage of MSEs.
38. Confirming Bank and the Issuing Bank get maximum of ______ number of days following the day of presentation to
determine if the presentation is in compliance of UCP600: 5 banking days.
39. As per the Official Language Policy: 50% of the Library Budget is to be spent for purchase Hindi Books.
40. Under Break Even Point analysis, what is Contribution: Sales Realization minus Variable Expenses
41. A person from USA visits India and wants to open an account, what type of account can we open: NRO.
42. NPA a/c which has been rescheduled will be eligible for up gradation: (After 1 year from the due date of 1st
installment of term loan or interest subject to the condition that the borrower is repaying regularly as per
the revised repayment schedule).
43. CC/ OD account becomes NPA when : The account remains out of order.
44. In CDR for implementation of restructuring scheme under SARFAESI, consent of ____ by value and ___ by numbers
should be obtained. (75%, 60%).
45. In sale of NPA a/cs the risk weight for the purchasing bank is ______: (100%).
46. In loan accounts the periodicity of charging rate of interest was done monthly basis due to the reasons? Due to 90
days NPA norms.
47. Hindi Official Meeting: Quarterly
48. Appeal by Customer against Banking Ombudsman to Appellate authority: 30 Days
49. ‘Buy now Pay now’ is the feature of: Debit card
50. Information must be provided under RTI Act within _____: 30 days
51. PAN cards is must for a) Taking DD of Rs 50,000 and above b) Selling a property: Both
52. Liability of partner in Partnership firm: Joint and several, both in individual capacity and on behalf of the firm.
53. Contingent liabilities have importance as: These may crystallize and effect financial position.
54. Total number of Banking Ombudsman in India: 18 (Latest being at Dehradun and Jammu)
55. There are two partnership firms XYZ & ABC having the same identical partners. One firm is having debit balance and
other firm is having credit balance in their bank accounts. Whether bank can exercise right of Set-off to square off the
debit balance: Yes, partners being the same it can be done.
56. How much percentage of Revaluation reserves will be taken as part of Common Equity Tier I capital: 45% at a
discount of 55%.
57. Apart from Companies including NBFCs and All India Financial Institutions, other entities like Co-operative
societies/unions, Government entities, Trusts, Limited Liability Partnerships and any other body corporate having presence in
India with a net worth of _____ or higher is eligible to issue Commercial Paper: Rs. 100 crore
58. Who cannot be partner in partnership firm as per SC order: HUF
59. The pecuniary jurisdiction of the Banking Ombudsman to pass an Award has been increased from existing Rs. 10 lakh)
to and Compensation not exceeding can also now
be awarded by the Banking Ombudsman to the complainant for loss of time, expenses incurred, as also, harassment and
mental anguish suffered by the complainant: Rs. 20 lakh; Rs. 1 lakh
60. CGTMSE cover for a loan of Rs.60 lacs availed by Women entrepreneur: Rs.45 lacs. (For credit facility upto Rs 50
lacs it is 80% of the amount in default with maximum upto Rs.40 lacs. Above Rs 50 lacs it is 50% with overall
ceiling upto Rs.100 lacs.)
61. Valuation of Immovable Property (IP) as per RBI should be from 2 valuers when the value of I.P exceeds: Rs. 50 crore.
62. Appeal against decision of Banking Ombudsman can be made to: Deputy Governor RBI.
63. RBI has set up a board for improving and monitoring customer service in banks: Banking Codes and Standard Board
of India (BCSBI).
64. Which one of the following complaint does not relate to Ombudsman: Complaint relating to Staff Members.
65. How much interest is paid by RBI on CRR balance: Nil
66. RBI guidelines on collateral security for SME loans: No collateral for loan upto Rs 10 lac (new borrowers). Existing
borrowers with good track record: Loan upto Rs. 25 lac.
67. Derivative Instruments of FII: Participatory Notes
68. Why Star Series notes issued?: For replacement of defective printed notes
69. Up to what amount a Bank can gift to its customer: Rs 250/-
70. What is the latest direction to banks by RBI on safe deposit vault: Engraving bank’s emblem and BSR code on
locker key.
71. CRR is covered under Section: 42(1) of RBI Act.
72. As per RBI annual report how many Foreign Bank branches can be permitted to open in an Year: 12.
73. B ank has to i mple me nt the aw ard gi ve n by Ombudsman within after receiving the
acceptance from the Customer: One month.
74. Which of the following is not the function of Workman Union: No Career Planning
E. RECALLED QUESTIONS OF CENTRAL BANK OF INDIA & UCO BANK EXAMS-2018
1. As per UCP 600, if quality is not mentioned, what is the tolerance level: Not applicable.
2. A party is sanctioned regular bills discounting limit while discounting bills, which type of bills will not be discounted: Bill
for purchase of fixed assets / Accommodation bills.
3. An Recurring Deposit account becomes irregular in case ___ number of installments become irregular: 4.
4. Banks having general permission may shift, merge or close all ‘Banking Outlets’ (except rural outlets and sole semi-urban outlets)
at their discretion whereas Merger, Closure and shifting of any rural ‘Banking Outlet’ as well as a sole semi urban ‘Banking Outlet’
would require approval of the : District
Consultative Committee / District Level Review Committee ( DCC / DLRC).
5. IMPS offer an instant, 24X7, interbank electronic fund transfer service through mobile phones. It is an emphatic tool to transfer
money instantly within banks across India through mobile, internet and ATM which is not only safe but also economical both in financial
and non-financial perspectives. Expand IMPS: Immediate Payment Service.
6. Adhoc granted in an account becomes NPA after: 180 days (90 days adhoc + 90 days for NPA).
7. IMPS facility is provided by which is
the umbrella organization for all the Retail Payment Systems in the country through its flagship initiative: National Financial
Switch (NFS) ATM network.
8. _____ is a global standard for credit and debit payment cards based on chip card technology. The standard covers the
processing of credit and debit card payments using a card that contains a microprocessor chip: EMV
9. Where accounts are covered under CGTMSE, filing of suit is not required in case the outstanding is: Rs.50,000/-
10. Inward remittance of $37,000 has been received by credit in the NOSTRO account from your correspondent. What rate
would you apply for the same: TT Buying.
11. In respect of CGTMSE: No collateral and no third party guarantee for fund based and non fund based credit
facilities upto Rs.200 lacs.
12. In respect of the MSME to arrest the early signs of weaknesses in the account is done:
Handholding.
13. Max compensation an Ombudsman is empowered to award in respect of deficiency in service of the Credit Card
operations: Rs.1 lac.
14. The Reserve Bank has advised State Level Banker’s Committee (SLBCs) Convenor banks to review and identify the unbanked rural
centres (URCs) in villages
15. with population above _____, in light of the revised guidelines on rationalisation of branch authorization policy and ensure that
these are banked forthwith by opening of Core Banking Solution(CBS) enabled banking outlet: 5,000
16. As per RBI guidelines, General Credit Card is classified under: Non Farm Sector (Other Priority).
17. While extending finance to NBFC-MFIs, the percentage of Qualifying Assets should be: Minimum 85%.
18. Internal Rate of Return is arrived at a point where future cash flows on Net Present Value basis should be: Zero.
19. What is the cut-off date for RKBY during Khariff Season in case of Loanee Farmers: November.
20. In Kisan Credit Card Scheme, what is the maximum ceiling of sub limit for consumption credit: 10% of Crop
Component + WC for Allied activities with maximum of Rs.15,000/-.
21. To enable banks to have information for identifying a ‘Unbanked Rural Centre’ (URC), shall play a constructive and proactive role
in compiling and updating the list of all unbanked rural centres in the State which shall be displayed on their website: State Level Banker
Committees (SLBCs).
22. The account shall become NPA in case the regular / adhoc limit is not reviewed for a period of: 90 days.
23. For the purpose of Medical expenses abroad the maximum amount that can be allowed is: USD 2,50,000 or as per
the quotation from the Hospital abroad whichever is high.
24. UPI is a new interface designed to enable all account holders to send and receive money from their Smart phones with a single
identifier – Aadhaar number, mobile number, virtual payments address and without entering any bank account information. Expand UPI:
Unified Payment Interface.
25. UPI is a mobile interface and will work on mobile phones only. UPI can be used to pay for any transaction below ,
in real time i.e instantaneously: Rs. 1 lac.
26. identification refers to a method of identifying the holder of a device by measuring a unique physical characteristic of the holder, e.g.
by finger print matching, voice recognition or retinal scan: Biometric
27. ATM are those Automated Teller Machines where hardware and the lease of the ATM machine is owned by a service provider,
but cash management and connectivity to banking networks is provided by a sponsor bank whose brand is used on the ATM:
Brown Label.
28. Luft & Ingham have developed the concept of JOHARI window of self-awareness, according to which, the entire personality
attributes (features) of any individual can be divided in to four parts. They are Blind, Arena, Closed and _____: Dark
***All the best and best of luck***

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PROMOTION IS EASY

BANKING –DIKSHA: 2019

Sanjay Kumar Trivedy

Date: 20.04.2019 Sanjay Kumar Trivedy

He can be contacted only through whatsapp no. : 9987519725, no call Please.

A. EFFECTIVE STUDY TECHNIQUES 3-8

B. YOUR MOTIVATION MITRA 9-15

C.YOUR EXAMINATION STRATEGY 16-

7. Memory Based Recalled Questions : 2018-19 ( All Banks / Scales ) 56

2. Ten things you should remember while preparing for exams

3. Practical Tips for effective study

What are Mnemonics?

5. Reasons for Exam fear

8. Seven Steps to Success

The seven steps to success as follows:

1. Unleash the "BAAHUBALI" within you!!!

2. Life is either a Daring Adventure or Nothing at all.

3. Learn From FIFA 2018 - Rise Again to Achieve your Goal

4. Never Give Up. Never, Never Give Up!

5. Turn your weaknesses into strengths

7. Start To Believe In Yourself..!!

4. You handle criticism more objectively.

5. You increase your power of persistence.

6. You attract miracles.

7. You become more disciplined.

8. Your potential for success becomes exponential.

8. Try to Prove Yourself the Best in Your Field of Work

Marks for Qualification 10

Marks for Qualification 10

f) SERVICE MARKS: (Applicable under Merit-cum-Seniority Tier).

2. For Post Graduation/LLB or any other degree for which 3 Marks

4. CAIIB / AIB (London) 3 Marks

SL.NO. PARTICULARS MARKS FOR SUB TOTAL

I WEIGHTAGE FOR WRITTEN TEST 55 55

IV SERVICE RECORD & CONFIDENTIAL 16

However, for the appraisal year2014 onwards the marks shall

For each year

D PROMOTION OF SPORTS PERSONS IN CLERICAL CADRE TO JUNIOR MANAGEMENT GRADE SCALE I:

CATEGORY C: (Participation at National Level)

3 MODE OF EFFECTING PROMOTIONS :

Part I CAIIB / AIB (London)/JAIIB 2

E GENERAL CONDITIONS FOR ALL PROMOTIONS:

1. COMMON SYLLABUS FOR BANKING PROMOTION TEST

A. LAWS /ACT RELATED TO INDIAN BANKING

C. LOANS & ADVANCES

I.LATEST CONCEPT IN BANKING/ CURRENT BANKING & INDIAN ECONOMY

A LAWS /ACT RELATED TO INDIAN BANKING 20-30 10-15 7-10 5-9

1. LEGAL ASPECTS/ BANKING LAW AND PRACTICE : RBI / BR Act, NI Act

B DEPOSITS 22-30 11-18 7-13 7-10

1. KNOW YOUR CUSTOMER (KYC) : KYC, KYC POLICY WITH LATEST

3. PRIORITY SECTOR LENDING GUIDELINES : Targets and achievement,

E DIGITAL BANKING & TECHNOLOGY 10-15 5-7 5-7 2-3

GRAND TOTAL 185 100 100 100

1. GeneralAwareness, KYC, Legal Issues : General Banking Products of other 20 0.50 10

2. GeneralBanking,Handling of customer grievances and preventive vigilance : 20 1.00 20

6. Financial results, Organizational structure etc : See latest summarized 20 0.25 05

RBI POLICY RATES AS ON 04.04.2019

CRR: 4.00% (15.02.2013), SLR : 19.00%

INTEREST RATES on Small Deposits:

INDIAN ECONOMY-IMPORTANT PARAMETERS

Rate of interest (%)

MSMEs : Rs 7011 crore (+7%)

Tax exemptions on investments:

All the best and best of luck